Auto Insurance. Your Best Rate Awaits. It’s So Easy.

JANUARY 18, 2020. Let’s face it. Life isn’t a leafy lane a lot of the time. Life is challenging. Yet, once we accept that premise, it becomes easier. Often only a fine line lies between us and more–really. Car insurance is a prime example. You need it. They want an arm for it. We just saw through it, to a 29% lower premium, from a higher rated company, for the exact same coverage. Fact. You have as much say in the price you pay as they do. How? We made a choice, had an insight, took an action. That can change things. Did for us.
Turn the tables on how you think about auto insurance. Competition is alive and well. But the real competition is between quoting agents, regardless of the company or other price-carving details. The agent’s the end of the pipe. We exercise as much say over our premium as companies do, if we’re willing to walk. No one’s chained us to any particular agent, policy, or company. Switching’s not a sin. It’s called business.
A better rate and probably a better agent are out there ready to meet your motoring coverage needs. We found both, again, saving us 29% or $360.00 a year without bundling. Fact. And it was so easy. All it takes is a bit of time, a telephone, and an internet connection. “Auto Insurance. Your Best Rate Awaits. It’s So Easy.” Continue reading Auto Insurance. Your Best Rate Awaits. It’s So Easy.

Show Time. Wells Fargo & Boeing. You Get Paid For This?

JANUARY 12, 2020. Business is sober serious stuff, real business anyway. Ninety-one Fortune 500 companies, doing sober business, paid no federal taxes at all last year. That’s sobering, and serious if the country’s going to pay its’ bills. Strippers pay bills and may be sober, and serious to anyone watching, or paying.
What about Silicon Valley startup Turvo software, “Collaborative Logistics.” Back in May Turvo sobered, and then got serious about firing their CEO Eric Gilmore for expensing $76,120.00 over three years for business. Stripper business. Stripping comes straight off the top of any sober tax bill. Is that how we explain the ninety-one?
Wells did do a lot of serious business and stripping, after they were caught, fabricating, defrauding, and stealing. Wells stripped it’s mortgage wing bare of all the innocent employees they flogged into it’s last big crime spree. Then they wanted more. But that’s not all they’re doing. And Boeing? The curtain’s been stripped back on company emails. Should you want any of either? “Show Time. Wells Fargo & Boeing. You Get Paid For This?” Continue reading Show Time. Wells Fargo & Boeing. You Get Paid For This?

4 Bullets To Savvy Dividends

OCTOBER 26, 2019. Dividends don’t flutter from fall skies like seasonal leaves. Dividends are paid out of cash flows, if there’s enough. Who has enough? It isn’t always those promising. No problem. Checking’s a piece of cake. We’ve got cake.
But paying isn’t the only issue. Dividends are paid by companies doing real business, in a rapidly changing environment. No one gets a free pass through macro chaos or the battle for market share. The fight for cash flow goes on everyday and everywhere. That includes “dividend aristocrats” like JNJ, with it’s’ 57 year history of consecutive dividend raises. How about an affordable, recession-proof, price-performing example, paying 4%? We’ve got that too.
Hoping to be paid regularly for the market risks you take isn’t rocket science. But it isn’t simply aristocratic standing either. Smart people get this one wrong, routinely. We’ve got the right, in “4 Bullets to Savvy Dividends.” Make sure you’ll be paid, top and bottom–and enjoy. Continue reading 4 Bullets To Savvy Dividends

Dividend Joy. How Now.

OCTOBER 15, 2019. Standing butt-naked on the beach–is that a dividend? Maybe that’s the joy. Either way, there you are. Why? You found your dividend, and they pay, everyday. What would you do to get there? We learned what to look for and we’re sharing. We also came to terms with a criminal bank. Wouldn’t you? Wells is different now. “Really?” you question. Naw, not really–maybe. Corporate culture is as difficult to change as a raging surf. Besides, crime pays well, for a while. Wells knows.
Once and for years Wells was run like some rum-poisoned pirate ship. Former CEO John Stumpf’s gone, replaced by a tenured insider present for all the criminality. Absolutely nothing else has changed, except for the firing of thousands who were only following heavy-handed dictates of senior management bent on committing sprawling fraud. He’s gone too. Now there’s a new guy coming. He’s the FNG. So, let’s say Wells is in progress.
Meanwhile, Morningstar pins a $58.00 price target on the stock. That suggests a 16% up move from here. That’s without the 4.15% dividend. Is it worth it? What makes any dividend stock worth owning? We use wells and a new Barron’s article as examples and lessons.
We pose all the proper dividend questions. STOCKjAW talks “Dividend Joy. How Now.” Continue reading Dividend Joy. How Now.

Junk Squawk. Whatever. FORD. What’s Next.

SEPTEMBER 14, 2019. TV news. What’s not to love?
Who saw this? The feds rolled another dawn raid to net suspects. They followed that with a perp-walk, which led to a news cycle, about UAW leadership. Hum. Why? Both current United Auto Workers president Gary Jones, and past president Dennis Williams, among others, are suspects in an on-going federal probe concerning corruption. Wow. Flashy news no doubt, however the story behind that is more Ford’s concern–one concern.
GM’s now in contract talks with the UAW, and Ford’s up next. GM’s contract with the union ends tonight. Ford’s does not. And?
Ford’s a turnaround story. Labor is but part of that process. What else? California, D.C., China, and Moody’s. They’re at 7 World Trade Center. Did we leave any junk out? How about that Ford’s climbed 23.53%YTD, and 5.47% over the past twenty days? That’s a turnaround right?
Can we keep the dividend? “Junk Squawk. Whatever. FORD. What’s Next.”(Cover photo; Ford’s 2020 GT-500 Shelby Mustang. Cirrus Crisp.) Continue reading Junk Squawk. Whatever. FORD. What’s Next.

Off Label. JNJ. Just Say No.

AUGUST 29, 2019. Savvy investing’s bone-simple at its’ core. Buy lower and sell higher. The problem is what lies in-between. What lies in-between is known as risk. Risk comes in two forms. You don’t want any of either.
“Market risk” can only be avoided by not buying. “Individual issue risk” can be selected and “managed” by knowing what and when you’re buying. And Johnson & Johnson?
Opioids have proved a problem whether prescribed, taken, or neither. No? Then why are forty of fifty states already on-board and suing? Who wants trouble? Is buying JNJ’s trouble really “defensive?” Not everyone’s scheduled for court, tens of thousands of times. “Off Label. JNJ. Do Not Drive, Operate Heavy Machinery, or Invest…” Continue reading Off Label. JNJ. Just Say No.

Oops…Somebody’s Thinking.

JULY 21, 2019. Savvy people have no “betters.” They realize complaining accomplishes Fa King nothing. Savvy people only do so after the work is done, and just for fun. Shaking the robbers off of your money is like soaking the sump pump stink out of old shoes.
Wall Street’s job is to lie and steal, concoct and on occasion create, a moment you can actually use. No sump pump on the planet’s strong enough to suck that stink out of Wall Street. No juke you can throw will fully dodge their busy hands.
However, you can keep things relatively fair when it comes to your retirement and investments.
No one-time fix exists. It’s more about containment, while creating your own good. “Oops…Somebody’s Thinking.” Nice. Continue reading Oops…Somebody’s Thinking.

Turd Spotting. Roku. The New Cable.

JULY 5, 2019. Facebook didn’t charge you up-front. FB played your back side, the data usage shell game. Roku does both and more. Roku deceives you up-front, charges you for their device, then leverages an account and a c card to activate what you already paid for, tracks your every move, pimps you with the ads you sought to dodge, shares your personal and viewing data, and then assists others in their attempts to target and track you. Roku is the new cable, on steroids.
Free was never free and Facebook illustrated such. The old East Germany was never free and the Stasi showed that. Today many simply flip their privacy away like a cigarette butt. Years ago Zuckerberg declared blithely that “privacy is dead.” FB then created the standard of contempt for “privacy” in the digital age. None. Like Daniel Ortega he’s now on the other side of that. Whatever it takes.
Along came TiVo, and their DVR surveillance platform. TiVo brought advertisers right on to your sofa. Only one step remained. Direct surveillance. Apple’s now got that covered–auditory and visual surveillance. No? Sharp consumers found the Apple camera in their digital assistant. There’s also Mitsubishi TV. They also tell you, after you buy and install.
Is it only Us? Little things create character. Roku is dishonest, by omission. “So what?” Dishonesty displays contempt. Dishonesty in business displays contempt for both you, and the business you bring. Honesty means saying “Credit card required to activate.”
But they don’t. If Roku games you like that from the very start, what else do you think they’re willing to do? Sj shows you.
Contempt, “the feeling that a person or a thing is beneath consideration, worthless.” -Google. That’s why Sj is “Turd Spotting. Roku. The New Cable.” Continue reading Turd Spotting. Roku. The New Cable.