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People's United Financial Inc. Message Board

skinz4q 221 posts  |  Last Activity: 22 hours ago Member since: Dec 25, 2005
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  • With the looming lawsuits and increasing competition for affluent consumers, it looks to me as if Fairway is skating on thin ice. I just learned that Fairway is being forced by customer demand to change their produce displays to make them more user friendly, but the cost is slowing down the process considerably. One store manager told me recently that he'd love to replace all his displays "tomorrow", but he just can't get the money from "corporate." The displays are simply too high for the majority of customers to reach. My wife, who at 5'4" is not unusually short, refuses to go back to Fairway until they bring the displays down so she can reach what she wants without having to beg a store employee to let her stand on his milk crate. Even the employees have to stand on crates to stock the displays; how do they expect customers to reach the top? The idiotic senior management is more interested in creating towering, visually impressive, super-high mountains of produce without regard for customers being able to reach the produce. If the company can't afford to correct this huge mistake, I can't see Fairway as a long term survivor.

  • Reply to

    Split the #$%$ stock already!

    by bkapito Apr 17, 2014 10:08 AM
    skinz4q skinz4q Apr 17, 2014 2:40 PM Flag

    You've been brainwashed by the stock brokerage industry into thinking that shareholders will somehow benefit from a split. It's not true. In the past, when commissions were based on 100-share (round) lots, there was an enormous benefit in splitting stocks, but the benefit went all to the brokers. A 2-for-1 split meant that customers had to pay a double commission to sell all their shares. That's no longer the case, but the fantasy that splits somehow make a stock "cheaper" still exists. Brokerage costs are now a more level playing field with flat rate commissions, therefore there is absolutely no reason for a company to split its stock. If you can afford to buy ten shares at $100, then 20 shares at $50 is just as affordable. One share at $100 is no different from two shares at $50. If you can't afford $100, you shouldn't be investing in stocks. Period.

  • Reply to

    We need a split.

    by myyddogal Apr 2, 2014 3:44 PM
    skinz4q skinz4q Apr 11, 2014 8:19 PM Flag

    If a stock selling at $100, earning $6 per share and paying a $3 annual dividend splits 2-for-1, you end up with twice as many shares selling at $50, earning $3 and paying a $1.50 dividend. I fail to see any difference whatsoever. Your investment will still have the same exact value but more shares. Back in the days when commissions were based on 100-share lots, a 2-for-1 split would have more than doubled your cost to sell the stock. What's so great about that? With commissions usually based on a flat rate per trade and the odd-lot differential taken out of the picture, the extra expense caused by a split is no longer a factor. The only people who made money on stock splits were the brokers. Shareholders got screwed but were too stupid to know it. It was the brokers who lobbied for splits simply because splits increased the commissions they could gouge out of their customers. Nowadays, no one benefits from stock splits. They're a total waste of money for everyone unless you're an old-time broker who is still gouging your customers outrageous commissions.

  • Reply to

    Is K-1 Final?

    by hobbycat01 Mar 24, 2014 6:13 PM
    skinz4q skinz4q Apr 9, 2014 12:33 PM Flag

    If the K-1 is erroneous at this late date, the company has some major accounting problems. I strongly believe you're safe using it as final... go ahead and file your tax return. In the highly unlikely event that it's wrong, you can always amend later.

  • Reply to

    Technical Analysis

    by cliffmaster87 Jan 7, 2014 10:35 AM
    skinz4q skinz4q Apr 9, 2014 8:34 AM Flag

    The chart on PCL looks terrible, but take a look at EPD. I've been out of PCL since $50, but I've been accumulating EPD for the 4% yield, growing payout, strong growth prospects and one of the prettiest charts I've seen in ages. They've increased the payout every quarter for 39 straight quarters. This represents a 6% YOY increase. The latest declared payout is $0.71. (If you use a DRIP, you can get a 5% discount.) However, the jury is still out on PCL. A lot will depend on their next earnings statement. I still don't trust them after the surprise bombshell they dropped with the secondary. PCL has not come anywhere near where it was immediately before the announcement, but EPD is just a few cents below its all-time high despite the recent market sell-off. Do a chart comparison of PCL vs. EPD; it's a real eye-opener.

  • Reply to

    Split this

    by hllrbvrly Mar 6, 2013 10:56 AM
    skinz4q skinz4q Apr 1, 2014 7:33 PM Flag

    Just read a piece on Seeking Alpha that says CINF has a fair value of $34.96. That was my guess when I last posted on Feb 6. You want a split? Be careful what you wish for.

  • Reply to

    EPD another rotion winner

    by rpfla Apr 1, 2014 4:45 PM
    skinz4q skinz4q Apr 1, 2014 7:14 PM Flag

    What's a ROTION winner??? Just trying to figure out what you mean.

  • Reply to


    by lylejr Mar 20, 2014 4:42 PM
    skinz4q skinz4q Apr 1, 2014 7:10 PM Flag

    Don't you mean PAID up front???

  • Reply to

    Buyin the div, baby...

    by zunk11 Feb 5, 2014 3:08 PM
    skinz4q skinz4q Apr 1, 2014 1:57 PM Flag

    If you're in this game for the dividends, you might want to take a careful look at EPD. Besides the 4% current yield, you should be aware that you can get a 5% discount on DRIP purchases with no fees or commissions. Check out the 5-year chart and tell me what you think. Better yet, do a chart overlay comparison with MCD.

  • Reply to

    EPD Upgrade today...tgt..$78

    by lawstuff22 Mar 19, 2014 8:29 AM
    skinz4q skinz4q Apr 1, 2014 1:44 PM Flag

    Price targets are meaningless. The so-called analysts are always changing the targets based on nothing more than guesswork. Let's just say it looks as if it's heading higher and leave it at that. 75, 80, 85... no one knows. The company is in the right business at the right time in the right place. If nat gas can find a market for its products, EPD will benefit. Just because some analyst says it's going to $78 doesn't mean it won't go to $100. Would you sell out at 78? I wouldn't! Given enough time, this could be one of the rare buy-and-hold names that could make you very rich.

    Sentiment: Buy

  • Reply to


    by lylejr Mar 20, 2014 4:42 PM
    skinz4q skinz4q Apr 1, 2014 9:23 AM Flag

    You're very correct in your belief that most options expire worthless. I spent several years in the option business in the early 60's, and I learned that the best way to use them was to be a writer, not a buyer. It's almost unheard of for a put writer to be short the stock, but it's very common for call writers to be long stock. Option buyers, by and large, are suckers.
    On the subject of splits, I don't see any useful purpose to them. In the past, splits actually cost shareholders money. Commissions were always based on 100-share (round) lots. If you owned 100 shares of a stock that split 2-1, your commission cost more than doubled when you went to sell the 200 shares. A 3-2 split would result in an odd lot thereby increasing the cost to sell even more than double plus the odd-lot differential. The high price of CMG doesn't seem to have hurt the stock price.

  • Reply to

    Time for a split.

    by toteafloat Feb 11, 2014 10:06 PM
    skinz4q skinz4q Mar 31, 2014 6:32 PM Flag

    I pay no commissions on the first 25 trades each calendar year and $2 per trade after that. Market or limit, day or GTC orders... all the same. Just maintain a balance of at least $1,000,000 for the whole household at the same address. I haven't paid commissions in many years. Splits are totally meaningless to me. Don't want them, don't need them, can't see any benefit whatsoever.

  • Reply to


    by lylejr Mar 20, 2014 4:42 PM
    skinz4q skinz4q Mar 31, 2014 6:04 PM Flag

    Are you saying that it has taken MCD 15 years to double in price? That's pathetic!
    How does one exercise a short? Are you talking about selling puts? Puts can be exercised, shorts can be covered. Huge difference. If you sell a put, and the price goes up you get to keep the premium as profit. If you sell short, and the price goes up you get to take gas.

  • skinz4q by skinz4q Mar 31, 2014 4:08 PM Flag

    A recent article by Motley entitled "McDonald’s Menu Is Too Large: Invest in Restaurants That Keep It Simple" says exactly what I've been saying for many months. It's very well worth taking a few minutes to read it. They're basically saying that there's nothing wrong with MCD that can't be fixed fairly easily, and I agree.

    Sentiment: Hold

  • Reply to

    EPD and it's DRIP - 5% DISCOUNT!!

    by cinemabyte Mar 17, 2014 3:52 PM
    skinz4q skinz4q Mar 29, 2014 11:58 AM Flag

    My present broker charges me absolutely no commission on the first 25 trades each calendar year and $2 per trade after that regardless of size or type. My plan is to transfer all the shares (units) back to my present account before selling them and/or to buy any additional units in my present account. I can then transfer them to WF with no fees or commissions. That way I won't incur any expenses in either direction. If not for the 5% discount, there's no way I'd ever use a different broker. Having been a stock broker back in the 1960s, I'm obsessed with avoiding fees and commissions whenever possible.

    I used to have an account with TD Ameritrade many years ago, and they socked me with "inactivity" fees. I moved the account out and have never had another fee of any kind (including commissions.) I'm just sorry I didn't do it sooner.

    Thanks anyway for the heads-up and thanks again for bringing the discount to my attention. I doubt that I'd have found out about it otherwise. My present broker would do the DRIP but without the 5% discount (and without any commissions.) I keep a high 7-figure balance there and don't really like the inconvenience of having other accounts to keep track of, but I just can't bring myself to pass up a 5% off sale. LOL

  • Reply to


    by bhenning32 Mar 27, 2014 3:56 PM
    skinz4q skinz4q Mar 27, 2014 4:11 PM Flag

    Motley Fool is up to something, but I can't figure out what. Whatever it is, it seems to have given EPD a bit of a boost.

  • Reply to

    EPD and it's DRIP - 5% DISCOUNT!!

    by cinemabyte Mar 17, 2014 3:52 PM
    skinz4q skinz4q Mar 27, 2014 3:52 PM Flag

    This seems almost too good to be true, but I just went for it. I had to have my units transferred to Wells Fargo since my broker does not participate in the plan, but I'm told that there is no cost to me. When I or my heirs decide to sell the original units plus the units accumulated under the DRIP, I'll just do a reverse back to my broker. I presume that's also fee free. As far as I can determine, you're right about this being an awesome deal. The 5% discount is not guaranteed and can be changed or eliminated at any time, but I'll take that chance. Thanks much for the info.

  • skinz4q skinz4q Mar 26, 2014 10:56 AM Flag

    Please don't write Opko and Explode in the same sentence. A better word would be Soar. Bombs explode, and I don't want to see Opko turn into a bomb.

  • Reply to


    by blackoilpeaking Oct 10, 2013 10:08 AM
    skinz4q skinz4q Mar 25, 2014 6:55 PM Flag

    If this is a "great company", then why has EPD stock price appreciated by more than double that of BPL over the past 5 years? Just asking. I don't own either one but was thinking about buying one or the other. They both have roughly the same yield, and EPD gives a 5% discount on DRIPs. Look at the 5-year chart comparison. Any info would be welcome. Thanks.

  • Reply to

    Great company

    by jgrod2008 Feb 12, 2014 11:22 PM
    skinz4q skinz4q Mar 25, 2014 6:49 PM Flag

    If this is a "great company", then why has EPD stock price appreciated by more than double that of BPL over the past 5 years? Just asking. I don't own either one but was thinking about buying one or the other. They both have roughly the same yield, and EPD gives a 5% discount on DRIPs. Look at the 5-year chart comparison. Any info would be welcome. Thanks.

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