mollytjm

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260 Comments

    • Wed Nov 19th 11:11 AM | Rating: 0 0
      Commented on:
      The Wrong Way to Think About Your Retirement Portfolio
      since people are living so much longer today, or at least might, it's very good advice to stick to a % of withdrawal that doesn't deplete the principle, if at all possible. a friend of mine, who has a very good job, said he didn't see why anyone needed more than a million dollars to retire on, so he is spending all the 'excess'. he's 55 now! trying to explain the shrinking nature of $ is hard, when people want to believe something else.

      so that $800,000, even when taking constant %, will mean that person has to eventually scale down their standard of living unless there's some other inflow of cash. most people of moderate means will find they haven't nearly enough to live a retired life style. if you're reading this post, you may have a lot more...but in 30 years, it might be worth 1/3rd of what it's worth now, so plan accordingly in an economy where the cost of food, energy, and medical expenses will continue to climb, alarmingly.

      when 65 was considered old, this wouldn't have been so much of a problem. but the entire picture has changed. if, as some medical researchers say, 120 won't be out of the question, soon, then 65 would be closer to middle age. think your retirement money will last 60 years?
      it's something to really consider.
      View article »
    • Tue Nov 18th 09:50 AM | Rating: +1 0
      Commented on:
      Reading Apple: iPhone Sales Slightly Off, MacBook OK
      i think there's still pent up demand and people waiting for an excuse to let that loose. as they come off contracts in early december, i think you'll find a lot of those people buying an iphone, either for themselves or, a better excuse, for their kids or other loved one. so i don't think we'll really know about this until maybe February... with the 2 year revenue on each iphone for Apple, they'll have a pretty good cushion for the continuing horrible economic year to come.
      in the meantime, everywhere i use my iPhone, people ask to see it and friends, who start hesitant, don't want to give it back when i let them play a game on it and they end up saying..'i want one'!.
      i'm also long APPL.
      View article »
    • Mon Nov 17th 11:33 AM | Rating: 0 0
      Commented on:
      Voice Search: A New Age Has Dawned
      apps are very cheap for the iPhone, so once you have the device, it's almost nothing to get these apps...and tons of them are actually free, so the state of the economy will have almost no impact on those purchases.

      as an educator at a zoo, i use the iPhone constantly to find answers to questions that come up...like "how big will my baby anaconda get?"...short answer...big enough to eat the dog, in about a year:)

      the thing with the iPhone is that once you have it, all of a sudden you realize it's potential...it's not a phone, mate...it's a computer in your pocket! and becaue of this, it has the ability to bring people together. We often ignore this function. My 91 year old father, with a frail 89 year old wife, can spend hours communicating with friends and family all over the world through email. Those of us 'out in the world' and mobile can do this instantly with anyone we care about.

      As with all inventions and technology, it's only 'cold' or isolating if we are.
      View article »
    • Mon Nov 17th 11:18 AM | Rating: +1 0
      Commented on:
      How Do We Make Gains in This Market of Uncertainty?
      a very sane article in a crazy economic atmosphere. i have never been a trader so i can't speak to that. but i do know what's happening with Apple, the company, and it's all good. They might take some additional hit along the path of investor fear...but basically, it's a wonderful company and financially very sound.
      at today's prices, they're a great bargain. i think the holiday sales will show evidence that pent up demand is still very high for it's products. So it's a really, really good 'buy and hold' stock.
      i don't know why the Fed bothers to make any statements. They should just try to fix the mess and keep quiet unless they have something good to tell us:)
      View article »
    • Mon Nov 17th 11:05 AM | Rating: 0 0
      Commented on:
      Tech May Be a Wreck, But This Isn't 2001
      and...APPL has an extra cushion that extends profits because of the kick-back arrangement with AT & T for it's iPhone. And..they have profitable retail space just for their brand. those stores are still heavily frequented, even when malls are slow, leading one to expect a lot of pent up demand that will manifest in holiday sales.
      in addition, purchases from the itunes and apps stores are enormous and growing. these are relatively inexpensive items so once the initial product (ipod, computer, iphone) is purchased, it doesn't seem like much of an expense to 'shop the stores'.
      It'll be after Christmas that will tell more of a story. The top well funded players will survive nicely...i think the others will be in trouble.
      View article »
    • Sun Nov 16th 12:02 PM | Rating: 0 0
      Commented on:
      Should Apple Consider Buying Yahoo!?
      yeah...i can just see Jobs and Yang 'cooperating'..maybe in another lifetime. i don't see Yang going down without a battle.
      View article »
    • Sat Nov 15th 13:05 PM | Rating: 0 0
      Commented on:
      Iceland: What It's Like to Live in a World Without Money
      our government is about the same...we have fiat money...$ by agreement. this works when everyone agrees. just as the confederate $ is worthless except to collectors, this can happen to any fiat money system. there is no actual billions of savings that the government has. it just has it on paper and they set the value, by agreement. scary stuff. as soon as our $ went off the gold standard, we were playing without a net. i don't know the answer. i just know that removing controls so ordinary people could get into such serious financial debt was not the way to make sure the 'agreement' held.
      View article »
    • Sat Nov 15th 12:46 PM | Rating: +1 0
      Commented on:
      Will Apple Beat 2009 Revenue Consensus?
      as usual, Andy, very intelligent article. Thank you. with the way the phone plan works, it'll be 2 years of revenue for Apple from each of us (i bought one recently) but after using it only a week, i realized that people will give up a lot of other things before giving up their iPhones...so i would expect to see those of us who already have one, continue to 'stay with the plan' in the future, maintaining that initial, constant income for Apple. And then there's the entire world of people who still want one. Many find a way.
      View article »
    • Fri Nov 14th 11:21 AM | Rating: 0 0
      Commented on:
      Opposing Views on RIMM's Future
      and iPhones are doing very well at Best Buy too. AT & T stores send people to the Apple store when the customer wants their data transferred and it's complicated or when the customer has a computer/iphone situation. The AT & T people are very nice, but not computer experts.

      smartphone contracts are very pricy, but not for what you get. as a society, we're getting addicted, very fast, to having info at our fingertips. i think the market for smarphones will keep growing, almost no matter what. i have one (an iphone) and would cut out a lot of other things before giving it up. i'm sure i'm not alone.
      View article »
    • Fri Nov 14th 10:34 AM | Rating: 0 0
      Commented on:
      Breaking the Back of Buffett
      he doesn't really do all the buying anyway...he has powerful and smart people in charge of enormous divisions of investment, including Geico. there would still be a team of top people making the decisions and they all have the same philosophy. the stock is really like a mutual fund with a lot of diversity, but almost everything is in pretty sound companies (part of the philosophy). I doubt he'll leave except in a box, and that could bring the stock down briefly...but BRK sharesholders are passionate and believers, holding that same philosophy and they'll mostly stay and the stock would continue to be strong.
      View article »
    • Thu Nov 13th 12:03 PM | Rating: 0 0
      Commented on:
      Whole Foods in a Whole Lot of Trouble
      and they're trying to expand into a shrinking market and bad economy. There's a huge store of theirs going up in a mall near me and i look at it and wonder how it will ever survive. 3 nearby food stores have pretty good sized 'organic/healthfood' sections. the place was supposed to be open already but it looks like it will miss Thanksgiving..not a smart thing for a new grocery store. obviously something is wrong here.
      View article »
    • Thu Nov 13th 10:41 AM | Rating: 0 0
      Commented on:
      Risks Remain, But iPhone's Fundamentals Should Help Apple Surpass Expectations - RBC Analyst
      the King of Prussia, PA apple store is doing a robust business and that will pick up even more over the holidays... they do well even when the rest of the (huge) mall is dead. i know so many people planning on buying iphones or touches for the holiday season...it'll be interesting to see the numbers when it's over but Apple will definitely survive the economy trials and do well.
      View article »
    • Wed Nov 12th 10:21 AM | Rating: 0 0
      Commented on:
      General Electric Moves On Down the Largest Company List
      with so much turmoil all over the place, this kind of list isn't really very relevant. What's relevant is who has the $ to stay afloat and prosper in the future with products that will be competitive in a world market. a GE long term bond, if it's 10 years, should still be fine. GM on the other hand...sigh.
      View article »
    • Wed Nov 12th 10:16 AM | Rating: 0 0
      Commented on:
      Chinese Paper Reports Reduced Apple Notebook Orders
      i just can't imagine the Chinese sharing this 'information'. The rumor mill churns hourly... and we know that some are alive whom others called dead...so...that's about where this is.
      View article »
    • Tue Nov 11th 10:00 AM | Rating: 0 0
      Commented on:
      Buy, Sell or Hold: Apple's Cohesive Strategy to Survive and Thrive
      Bottom Line: it's a great time to buy APPL and hold. It doesn't matter what other companies say they have lined up...Apple doesn't sit on its, um, laurals. There are wonderful products already in the pipeline and it will not end there. Apple is such a smart company. They understand the competition and they understand innovation.
      they do NOT cost more than other computer, smartphone pricing plans, etc., for what you get included: software, no need to PAY for virus protection, online, on phone and in person tech support better than anyones.

      IT departments are not needed to customize computers or iphones... the Apple store will do it for free or for $99 a year...lots cheaper than a huge IT department.
      the data plans for all the smartphones are pricy...but people will buy them anyway and at those prices, they might as well buy the most reliable and innovative one....the iPhone.
      There are going to be a lot of iPhones and iPod Touches in holiday wrappings this year...i think Apple is in for a blow out season.
      this is a great article and exactly why Apple is so well regarded...plus, no debt, lots of $, lots of smart people and innovation.
      And...for people stuck with having to use Windows...it really does work twice as fast on a Mac.
      i'm long APPL (could you tell?:))
      View article »
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