Life Term Strategies

1. Huge Gains in Long Term
- Receive significant capital gains
- by investing in corporations
- (with wide economic moat & average peers’ net margin)
- In very very long term

2. Strong Periodic Cash Flow
- Maintain self-sufficient monthly cash flow
- Through dividend, gains on derivative & short term trading
- For re-investment to item # 1 mentioned above

3. Mind for Risk Management
- Ensure strong cash position
- Maintain low risk by continue monitor, analyze & feel:
economic trend & environment,
market condition & investors emotion
corporate performance & outlook
asset allocation & direction

4. Be a holy Christian investor:
- Invest in wisdom & varies ways, but consistent & not over nor under of what the Holy Bible expects a Jesus follower should be
- Keep regular & long term spiritual growth
Continue experience God @ finance market
Aim for life transform opportunities
- Even though it may not teach Billy & Bilibala what stocks to invest nor how to make more, more & more $

7.22.2009

Wells Fargo down after 2q09 results beat expectation

In afternoon trading, shares of Aaron's Incorporated fell by more than twelve percent on the news.

Another company surpassing Wall Street estimates but failing to win over investors was Wells Fargo (WFC). The company announced earnings of $0.57 per share, which easily beat Wall Street estimates of $0.34 per share. The rising delinquencies in the loan portfolio was a concern, as 2.11% of loans were delinquent at the end of the second quarter. To date, the company has set aside a daunting $23.5 billion for future credit losses.

Investors sold first and asked questions later, sending the stock down over five and a half percent so far today.

Bilibala Comments
Delinquencies rate rise to 2.11% and allowance for credit losses rise to 2.86%. On the other hand, Interest margin rise to 4.30%, with the $23.5B allowance in balance sheet & the $60B write off in Wachovia's non-preforming debt, should have more than enough to cover the losses.

The fall create a great opportunity to add more.

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