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 $

1.21.2010

Bilibala mailbox 10/01/21

Question:
brk.b goes up to 72 this morning. is it too high to buy? or focus onwfc? how about mfc? why u suggest to buy more? thanks

Answer:
Berkshire Hathaway
Berkshire Hathaway go up these 2 days from $65.0 (or $3,250 before split) to above $72.0 because of
  • the stock split which trigger the transaction volume to go up because the price is lot more "attractive" & "relatively cheaper" in an irrational investment sense after it dropped from $3,300 to only $66.0
  • Warren Buffett indirectly mentioned in an interview that the stock price is undervalue

In long run, Berkshire Hathaway's price is still undervalue, however, to most of the investors, will refuse to buy when it is going up.

On the other hand, stock split has no impact to the value of a company, if i assume everything else is constant, price will adjust back to where it should be after a short term rally.

Wells Fargo
I have a better idea on Wells Fargo’s 2010 outlook after a flash review of its 4q09 and 2009 results. I think its EPS should be able to rise from US$1.75 in 2009 to US$2.85 & US$3.05 in 2010 & 2011. Given the following:

  • Continue improve in net interest margin
  • Expect the loan provision to drop smoothly in 2010 and further in 2011
  • Paid off the $25B TARP in 4q09 – will save $420M dividend expenses per qtr
  • House market recover Its 12 months target price should at least be US$34.77.

I personally think Wells Fargo worth US$60.0 by the end of 2014 (5 years from now).Given the current stock price is US$27.82 (01/20/10’s closed), there will be a potential return of 25% in the coming 12 months.

Manulife Financial
I see significant improve in investors confident to equity market. Manulife’s 4Q sales should improve while sum at risk will fall. Bilibala increases its fair value from C$31 to C$35.
I need to review its 4q09 & 2009 result before I can hold firm on my opinion.

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