BlazerMania

Fletcher Ray

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Yesterday

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BlazerMania replied to the Saul's Investing Discussions board. 3:49 PM

Re: My take - fiscal 2015 Q4

Out of curiosity, Fletch, what percentage of a checking account dollar does a bank loan out, since it's potentially much more transitory than a dollar locked up in a CD? What about savings accounts, which presumably are somewhere in [more]

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BlazerMania posted to the Rule Breakers boards. 2:25 PM

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BlazerMania posted to the Saul's Investing Discussions board. 2:25 PM

My take - fiscal 2015 Q4

Well, what to say, what to say. Frankly, after something like 10 or 11 quarters now that I've been following BOFI, I'm at a loss for how to make these updates interesting. BOFI pretty much keeps doing the same great things every quarter, and I just [more]

Tue Jul 28

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Boards Post

BlazerMania replied to the Saul's Investing Discussions board. 12:54 PM

Re: Internet banks

Hi strelna,

Fletch: by 'recent history', I meant the regrettable activities of banks in the past.

Ah, I see. The best answer I have to whether or not these banks will be able to attract deposits is to see whether they [more]

Mon Jul 27

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BlazerMania replied to the Saul's Investing Discussions board. 4:12 PM

Re: Internet banks

Despite recent history, it seems to me small banks might have trouble luring customers away from the perceived security of the big banks if they can get the same service on-line at either.

Why "despite recent history"? I [more]

Fri Jul 24

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BlazerMania replied to the Saul's Investing Discussions board. 12:07 PM

Re: INBK Q2 2015 earnings up 127% YoY

So, I think you are right, the main difference is coming from higher net interest income, which I think is coming from a combination of larger loan base and higher rates on those loans. The non-interest income is actually a non-issue and is not [more]

Thu Jul 23

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Boards Post

BlazerMania replied to the Saul's Investing Discussions board. 11:04 PM

Re: Saul's Historical Results

And, what is the point here? Saul isn't trying to sell himself and his services. If you think he is a blowhard with bad ideas, don't pay attention. If you think he is half right, filter his ideas. Why are we having discussions about whether his [more]

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BlazerMania replied to the Saul's Investing Discussions board. 11:02 PM

Re: INBK Q2 2015 earnings up 127% YoY

Nice summary, thanks for posting!

I did want to follow up one thing:

One important peg in the wheel is the cost of funds. CDs account for about half of the deposits and they cost more than regular savings and money market [more]

CAPS Outperform Pitch Reply

BlazerMania commented on BlazerMania's pitch for GPRO. 12:51 PM

And...that worked out nicely. Except that now I do believe GPRO is a long-term winner. My initial CAPS call was short-term in nature; I had planned to close it out once a got the rebound I was expecting. I got the rebound, but I'm not closing it out. [more]

CAPS Outperform Pitch

BlazerMania wrote about NXP Semiconductors (NXPI) . 12:43 PM

NXPI Outperform

Solidly profitable with increasing EPS growth rates, cash flow is positive and growing, and forward PE is something like 14. Seems pretty cheap to me.

Caps Pick

BlazerMania made a pick in CAPS. 12:43 PM

NXP Semiconductors (NXPI) will Outperform the S&P 500

Wed Jul 22

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Boards Post

BlazerMania replied to the Saul's Investing Discussions board. 4:56 PM

Re: More on market timing and going into cash

Tim, the trick is to accept that all your decisions won't be correct. You are just doing the best you can at the time.

A good rule for life in general.

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BlazerMania posted to the Supernova boards. 1:30 PM

Mon Jul 20

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BlazerMania replied to the Saul's Investing Discussions board. 1:58 PM

Re: On public opinion

Very interesting post, Fletch! But I have one question: if people are uncertain of the future interest rate environment now, why wouldn't they still remain uncertain about the future rate environment even AFTER the Fed begins to raise rates? They [more]

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BlazerMania replied to the Saul's Investing Discussions board. 1:40 PM

Re: On public opinion

Eh - banks still loan money to businesses? I thought they just speculate on synthetic financial instruments with their own highly leveraged positions.
;-)
Ant


LOL, touche! And that is why you will never find me holding any [more]

Sun Jul 19

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Boards Post

BlazerMania replied to the Saul's Investing Discussions board. 1:41 PM

Re: On public opinion

That said, what should concern folks here is that the Fed plans to tighten and the Fed is what created our stock market gains these past 6 years. When they tighten credit and free money/expansion.....the market may be in for a downturn. [more]

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BlazerMania replied to the Saul's Investing Discussions board. 1:31 PM

Re: On public opinion

After all, it's been saying it for five years, during which the markets have doubled. In fact, six years ago, in 2010, everyone was assuring us that a double dip recession was coming. Two years ago I was having a discussion with Mauser (he can [more]

Sat Jul 18

Rule Breakers Boards Post

BlazerMania replied to the Rule Breakers boards. 2:21 PM

Tue Jul 14

Supernova Boards Post

BlazerMania replied to the Supernova boards. 3:39 PM

Thu Jul 2

Stock Advisor Boards Post

BlazerMania posted to the Stock Advisor boards. 12:50 PM

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