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 $

12.24.2009

TARP makes profit of at least $16 bln so far

http://www.marketwatch.com/story/tarp-profit-at-least-16-bln-so-far-treasury-2009-12-23?reflink=MW_news_stmp

By Alistair Barr, MarketWatch

SAN FRANCISCO (MarketWatch) -- The Troubled Asset Relief Program has generated at least $16 billion in profit so far, the Treasury Department said late Wednesday.

Earlier Wednesday, Citigroup (C 3.28, -0.01, -0.30%) and Wells Fargo (WFC 26.82, -0.03, -0.11%) said they repaid $45 billion that they got from TARP. That brings the total amount repaid into the program to $164 billion, the Treasury explained. Read about Citi and Wells repayments.

Total repayments by TARP banks should top $175 billion by the end of 2010, cutting taxpayer exposure to the sector by three-quarters, the Treasury estimated.

TARP programs aimed at stabilizing the banking system will earn a profit from dividends, interest, early repayments, and the sale of warrants, it added. Bank investments of $245 billion in Treasury's 2009 fiscal year were initially projected to cost $76 billion, but are now forecast to generate a profit.

"Taxpayers have already received over $16 billion in profits from all TARP programs and that profit could be considerably higher as the Treasury sells additional warrants in the weeks ahead," the Treasury said in a statement.

However, some large TARP investments have yet to play out. American International Group (AIG 29.42, +0.01, +0.03%) got $40 billion from TARP in November 2008, at the height of the financial crisis. AIG was bailed out again later and it's not clear if the insurer will ever be able to repay taxpayers fully for their support.

According to a recent Treasury report, 55 institutions that received TARP money are delinquent on dividends they owe the government, as of a Nov. 16 payment deadline.

Most of these are smaller banks, such as Integra Bank Corp (IBNK 0.81, +0.06, +8.00%) , Independent Bank Corp. (IBCP 0.73, -0.03, -3.62%) and Hampton Roads Bancshares (HMPR 1.73, +0.06, +3.59%) , according to SNL Financial.

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