Are you saying you are on medicare? and that "I DON'T HAVE ANY "PREMIUMS" TO PAY FOR MEDICARE "
that's ME, not you; so YES, that's EXACTLY what i'm saying!!!!!!!
that is SOOOO STUPID!!!! you took my question and instead of answering it, you turned it into a question about medicare & tricare instead of obomacare.
but unlike you, i won't DODGE it. here's the "first peson" response:
ME!!!!! i'll be the first to answer your STUPID DODGE.
the answer is:
I DON'T HAVE ANY "PREMIUMS" TO PAY FOR MEDICARE OR TRICARE. my TAXES for medicare have already been paid (p/r deductions) and whatever expenses not covered by medicare are paid by my other supplementary blue cross plan.
give it up "senator". i't's pretty apparent that you're about ready to #$%$ in your diapers as vitter was if he was wearing them.
You asked "where's it gonna end?"........what? everyone having health insurance like they do in the rest of the modern world?
you asked it. you repeated it. i answered it each time.
you have PROVEN either your lack of reading comprehension, your tendency to DODGE or (finally) your inability to complete a msg before you hit the "Post' button.
i'm done with you. get lost!!!!!!
When it comes to brokerages, especially as investments, E*Trade (NASDAQ: ETFC ) is in a class by itself. It is valued differently than its competitors, offers a different mix of products, and targets a completely different demographic.
Shares have literally doubled in value since the beginning of the year. This will probably dissuade many potential investors from further consideration. I believe, however, that the market simply wised up and is now pricing in what some of us have known all along: E*Trade isn't going anywhere.
Not all brokerages are the same
E*Trade is one of the leading online financial services companies. I use that term instead of "brokerage" because its services certainly extend beyond those of rivals TD Ameritrade (NYSE: AMTD ) and Charles Schwab (NYSE: SCHW ) . E*Trade does offer extensive online brokerage services, and has done a great job creating a very user-friendly interface that offers the most features in the industry. For example, E*Trade offers direct trading on six international markets in five different currencies, making it easy for investors to hedge their portfolios with foreign stocks and currencies.
The company also has a banking segment, offering checking and savings accounts. E*Trade used to be a big player in the residential mortgage market, but it discontinued such activities after incurring severe losses during the mortgage crisis. The company still has a portfolio of mortgages, most of which are adjustable-rate, in addition to other various consumer loans. As of the most recent quarter, E*Trade's loan portfolio totaled $9.6 billion, down about half a billion from the previous quarter.
Where the other two lack the broad spectrum of features offered by E*Trade, they make up for it with their financial stability. However, I think the others may be a little too expensive right now. TD Ameritrade, for instance, trades for 23.7 times trailing-12-month earnings, which is too much for a company projected to grow by 8% annually over the next several years. Schwab is even more expensive at 33.2 times earnings, and even though it's projected to grow at a slightly faster rate than TD Ameritrade, it still doesn't justify such a high valuation.
Neither company pays an especially good dividend, and neither company seems to have tremendous room for expansion and/or earnings growth.
Why the dramatic increase in share price?
The recent developments with E*Trade that have caused the excellent stock performance can be mainly characterized by an improving financial position. For instance, E*Trade's Tier 1 Leverage Ratio, which is the relationship between a bank's core capital and total assets, has improved to 6.4% from 6% from last quarter (4% is the minimum requirement). E*Trade's Tier 1 Common Capital Ratio, which is generally considered the best measure of a bank's financial strength, has improved from 11.2% to 12.2%. A company is categorized as "well-capitalized" with a ratio of 6% or more, the highest categorization possible.
Another reason the market may look upon the company very favorably is that it seems that E*Trade will actually return to profitability this year. The consensus calls for $0.66 in earnings per share this year, rising to $0.77 and $1.01 over the next two years, respectively. The company's book value has been steadily rising since the crisis has passed and is now about even with the share price. What this tells me, especially the recent price action, is that the market finally feels that all of the risk is sufficiently priced in, and it looks like the company's book value is creating somewhat of a "price floor."
why don't you try answering the questions in the order they were asked?
i'll list them again. let's see your answers IN ORDER:
1. who's going to be the first person
on this board to say that he (and/or his family) has been enrolled for obamacare and tell us what his premiums were and will be in the future?
your reply to that was:
Aren't you on medicare or Tricare? or your parents or grand parents, so ask them. my reply was:
2. you're absolutely correct, but, after you answer my first question, how about trying this one: where's it gonna end?
now come back with another DODGE with this:
"You asked "where's it gonna end?"........what? everyone having health insurance like they do in the rest of the modern world?"
you're the one that brought up medicare & tricare and and that's what i asked "where's it gonna end"? NOT "everyone having health insurance like they do in the rest of the modern world?"
so let me repeat my questions in the order they were asked and which you DODGED:
1.who's going to be the first person on this board to say that he (and/or his family) has been enrolled for obamacare and tell us what his premiums were and will be in the future?
2. where's it gonna end? (the medicare & tricare that you brought up, not me)
now if want to talk about the health care systems of other countries, FINE. start a topic of your own to do it, but try answering questions as asked.
no, i don't have a problem at all. it seems the one with the problem is you, a READING problem. i haven't said a thing about everyone having or not having health insurance.
here's the first msg of this thread:
"who's going to be the first person on this board to say that he (and/or his family) has been enrolled for obamacare and tell us what his premiums were and will be in the future?"
it's a simple question. you've dodged it twice along with the second one.
you're absolutely correct, but, after you answer my first question, how about trying this one:
where's it gonna end?
that is simply another STUPID DODGE!!!!!! hagel ( that's who i'm talking about) simply F'd up by not taking care of the families of killed soldiers. and when the foundation stepped in (prior to 10/8), then hagel came in on 10/9 saying the gov't was going to reimburse the foundation.
the foundation should NEVER have needed to get involved and if hagel had taken care of those that he's supposed to take care of, the foundation wouldn't have gotten involved.
did boehner & other rep's f'up also? YEAH, they did,but that didn't absolve hagel for not taking care of the families.
p.s. when hagel went to delaware to attend the arrival of the dead soldiers, it was the FIRST time he ever did and it occurred AFTER the stories of his not taking care of those families. sure, he was there, but NOT the families, huh?
get lost, jon. you're not worth the effort.
p.s. cigl: i just noticed that in the msg you replied to i did say "payments to wounded vets". i had intended to say soldiers killed. sorry for the missstatement.
i was talking about death benefits and funeral costs for soldiers' families. don't you think hagel f'd up on THAT issue?
that's the ONLY issue i've talked about!!!!!!
you gotta be kidding!!!!
do you REALLY believe that hagel went to the fisher house foundation to make the payments???
the fisher house did it without even hearing from hagel!!!!!
show me a single story that the fisher house did what it did after being asked by hagel.
what hagel did (AFTERWARDS) was say the DOD would repay the fisher house.
correct me if i'm wrong. i'll be waiting for your msg.
hagel is certainly keeping out of sight. do you think he'll ever come out of hiding and talk about the va death benefits?
i think his resignation is something he should offer.
rain?? naah. we haven't had that much. just drizzle most of the day.
dearj on: there's not a single word in my msg about hagel shutting down the gov't , is there?
are you that STUPID, that you can't see the point i was making?
namely, hagel's STUPIDITY (much like yours) in not taking care of the payments to our wounded vets.
thank you for your display!!!!!!!!!