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These ratings are posted by site users; this content is not intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by Bankinvestor.com

Average returns on BEN's ratings: Rating Avg. Return Annualized Key: - : rated buy, stock went down + : rated sell, stock went up +/- : rated hold + : rated buy, stock went up - : rated sell, stock went down strong buy +1.82% (over an avg. of 3990.07 days) +0.17% buy +51.91% (over an avg. of 5050.38 days) +3.75% hold -23.49% (over an avg. of 3263.40 days) -2.63% sell +34.23% (over an avg. of 4009.00 days) +3.12% -- See performance by time period -- All ratings made during the year 2002 All ratings made during the year 2003 All ratings made during the year 2004 All ratings made during the year 2005 Ratings made during Nov, 2002 Ratings made during Dec, 2002 Ratings made during Jan, 2003 Ratings made during Apr, 2003 Ratings made during May, 2003 Ratings made during Aug, 2003 Ratings made during Jan, 2004 Ratings made during Feb, 2004 Ratings made during Mar, 2004 Ratings made during Apr, 2004 Ratings made during May, 2004 Ratings made during Jul, 2004 Ratings made during Sep, 2004 Ratings made during Oct, 2004 Ratings made during Nov, 2004 Ratings made during Dec, 2004 Ratings made during Jan, 2005 Ratings made during Feb, 2005

Jump to rating for: BBT   CACH   FNFG   FPTB   FRO   NEBS   NFI   OCFC   PBCP   PBCPD   PFS   PRTR   PSEC   RSLN   SFL   STT   SYNF   TONE  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY

-- BBT --
BBT	Nov. 27 2002, 10:49 AM ET Rating changed on Jan. 25 2003, 09:36 AM ET	by BEN (view profile)	rating: Hold
BBT performance: Price near date of rating (11/27/2002): 23.30 Price near end of rating (01/27/2003): 22.00 Gain/Loss over 59 days: -1.30 -5.58% Annualized Gain/Loss: -34.52% Operates as a healthy enterprise in servicing banking needs. Was this user's rating of 'BBT' helpful to you?
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BBT	Jan. 25 2003, 09:36 AM ET	by BEN (view profile)	rating: Buy
BBT performance: Price near date of rating (01/27/2003): 22.00 Recent price (11/12/2025): 25.91 Price change: +3.91 Dividends collected: 15.433 Gain/Loss over 8328 days: +19.34 +87.92% Annualized Gain/Loss: +3.85% Operates as a healthy enterprise in servicing banking needs.I believe a $30 bottom will hold(adds to the caluculations use of odds). Buy rating begun at fear based pricing. Was this user's rating of 'BBT' helpful to you?
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-- CACH --
CACH	May. 8 2003, 11:38 AM ET Rating changed on Aug. 10 2003, 10:13 AM ET	by BEN (view profile)	rating: Buy
CACH performance: Price near date of rating (05/08/2003): 5.26 Price near end of rating (08/11/2003): 10.72 Gain/Loss over 94 days: +5.46 +103.80% Annualized Gain/Loss: +403.05% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 69% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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CACH	Aug. 10 2003, 10:13 AM ET Rating changed on Aug. 10 2003, 11:12 AM ET	by BEN (view profile)	rating: Strong Buy
CACH performance: Price near date of rating (08/11/2003): 10.72 Price near end of rating (08/11/2003): 10.72 Gain/Loss over 0 days: 0.00 0.00% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 69% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Company is runing like a triple crown winner. Margins improving, liquidity increasing, sector improving, 3 year dividend umbrella,under owned institutionally,12-18 month increased earnings visibility. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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CACH	Aug. 10 2003, 11:12 AM ET Rating changed on Jan. 29 2004, 10:46 AM ET	by BEN (view profile)	rating: Strong Buy
CACH performance: Price near date of rating (08/11/2003): 10.72 Price near end of rating (01/29/2004): 13.16 Gain/Loss over 172 days: +2.44 +22.76% Annualized Gain/Loss: +48.30% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 43% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Company is runing like a triple crown winner. Margins improving, liquidity increasing, sector improving, 3 year dividend umbrella,under owned institutionally,12-18 month increased earnings visibility. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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CACH	Jan. 29 2004, 10:46 AM ET Rating changed on Feb. 19 2004, 08:59 AM ET	by BEN (view profile)	rating: Strong Buy
CACH performance: Price near date of rating (01/29/2004): 13.16 Price near end of rating (02/19/2004): 15.40 Gain/Loss over 21 days: +2.24 +17.02% Annualized Gain/Loss: +295.82% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 23% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Company is runing like a triple crown winner. Margins improving, liquidity increasing, sector improving, under owned institutionally,12-18 month increased earnings visibility.Just sold 2,000,000 more shares this week at $22.75 per share. 200,000 new shares 1,800,000 secondary. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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CACH	Feb. 19 2004, 08:59 AM ET Rating changed on Feb. 19 2004, 09:01 AM ET	by BEN (view profile)	rating: Buy
CACH performance: Price near date of rating (02/19/2004): 15.40 Price near end of rating (02/19/2004): 15.40 Gain/Loss over 0 days: 0.00 0.00% [ Comments shared with private group only ]
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CACH	Feb. 19 2004, 09:01 AM ET Rating changed on Feb. 19 2004, 09:12 AM ET	by BEN (view profile)	rating: Buy
CACH performance: Price near date of rating (02/19/2004): 15.40 Price near end of rating (02/19/2004): 15.40 Gain/Loss over 0 days: 0.00 0.00% [ Comments shared with private group only ]
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CACH	Feb. 19 2004, 09:12 AM ET Rating changed on Feb. 19 2004, 09:13 AM ET	by BEN (view profile)	rating: Buy
CACH performance: Price near date of rating (02/19/2004): 15.40 Price near end of rating (02/19/2004): 15.40 Gain/Loss over 0 days: 0.00 0.00% [ Comments shared with private group only ]
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CACH	Feb. 19 2004, 09:13 AM ET Rating changed on Apr. 23 2004, 11:21 AM ET	by BEN (view profile)	rating: Buy
CACH performance: Price near date of rating (02/19/2004): 15.40 Price near end of rating (04/23/2004): 16.85 Gain/Loss over 63 days: +1.45 +9.42% Annualized Gain/Loss: +54.58% [ Comments shared with private group only ]
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CACH	Apr. 23 2004, 11:21 AM ET Rating changed on Apr. 23 2004, 11:45 AM ET	by BEN (view profile)	rating: Hold
CACH performance: Price near date of rating (04/23/2004): 16.85 Price near end of rating (04/23/2004): 16.85 Gain/Loss over 0 days: 0.00 0.00% [ Comments shared with private group only ]
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CACH	Apr. 23 2004, 11:45 AM ET Rating changed on May. 17 2004, 4:32 PM ET	by BEN (view profile)	rating: Hold
CACH performance: Price near date of rating (04/23/2004): 16.85 Price near end of rating (05/17/2004): 14.19 Gain/Loss over 24 days: -2.66 -15.79% Annualized Gain/Loss: -240.14% [ Comments shared with private group only ]
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CACH	May. 17 2004, 4:32 PM ET Rating changed on Jul. 21 2004, 4:17 PM ET	by BEN (view profile)	rating: Sell
CACH performance: Price near date of rating (05/17/2004): 14.19 Price near end of rating (07/21/2004): 12.22 Gain/Loss over 65 days: -1.97 -13.88% Annualized Gain/Loss: -77.94% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 23% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Company is runing like a triple crown winner. Margins improving, liquidity increasing, sector improving, under owned institutionally,12-18 month increased earnings visibility. Sold 2,000,000 more shares last month at $22.75 per share, 200,000 new shares 1,800,000 secondary shares. Earnings will be great over 85% increase from last year 1st qtr. Ownership is now mostly institutional. Not a great secret anymore fully valued at current price. Very large distribution looks to have taken place over the last three months. A very large amount of total shares outstanding traded. The economic scenario for consumer retailers has weakened due to higher fuel costs. The number of risk components reflective in holding the equity is to high. It was a very great ride but now time to move on. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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CACH	Jul. 21 2004, 4:17 PM ET	by BEN (view profile)	rating: Hold
CACH performance: Price near date of rating (07/21/2004): 12.22 Recent price (02/04/2015): 0.03 Gain/Loss over 7785 days: -12.19 -99.75% Annualized Gain/Loss: -4.68% Cache, Inc is not a bank. The company sells ladies clothes. Owners have very deep pockets and 23% of stock. No dividends. Cache grows internally without any need for outside capital.They return a high % on equity. Yes I own this stock. Company is runing like a triple crown winner. Margins improving, liquidity increasing, sector improving, under owned institutionally,12-18 month increased earnings visibility. Sold 2,000,000 more shares last month at $22.75 per share, 200,000 new shares 1,800,000 secondary shares. Earnings will be great over 85% increase from last year 1st qtr. Ownership is now mostly institutional. Not a great secret anymore fully valued at current price. Very large distribution looks to have taken place over the last three months. A very large amount of total shares outstanding traded. The economic scenario for consumer retailers has weakened due to higher fuel costs. The number of risk components reflective in holding the equity is to high. It was a very great ride but now time to move on. Was this user's rating of 'CACH' helpful to you? Currently:   5 said yes (of 5 -- 100.00%)
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-- FNFG --
FNFG	Jul. 22 2004, 10:38 AM ET Rating changed on Sep. 15 2004, 08:54 AM ET	by BEN (view profile)	rating: Hold
FNFG performance: Price near date of rating (07/22/2004): 12.71 Price near end of rating (09/15/2004): 13.30 Price change: +0.59 Dividends collected: 0.08 Gain/Loss over 55 days: +0.67 +5.27% Annualized Gain/Loss: +34.97% Real estate values in its region have not gone to bubble levels. Second stage conversion is over 18 months in past. Position building could be performed while dividend % goes to 4%. Was this user's rating of 'FNFG' helpful to you?
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FNFG	Sep. 15 2004, 08:54 AM ET Rating changed on Feb. 9 2005, 4:03 PM ET	by BEN (view profile)	rating: Buy
FNFG performance: Price near date of rating (09/15/2004): 13.30 Price near end of rating (02/09/2005): 13.36 Price change: +0.06 Dividends collected: 0.17 Gain/Loss over 147 days: +0.23 +1.73% Annualized Gain/Loss: +4.30% Real estate values in its region have not gone to bubble levels. Second stage conversion is over 18 months in past. Position building could be performed while dividend % goes to 4%. Looking at the macro view of population movement out of the big cities, not very much bubble risk in real estate valuations in its region of growth, increasing chance of a good increase in the dividend, 1 year chart looks good for downside protection, risks have been taken in new round of offerings at approved higher valuations, very large liquidity, time to rate it a buy. Was this user's rating of 'FNFG' helpful to you?
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FNFG	Feb. 9 2005, 4:03 PM ET	by BEN (view profile)	rating: Strong Buy
FNFG performance: Price near date of rating (02/09/2005): 13.36 Recent price (07/29/2016): 10.18 Price change: -3.18 Dividends collected: 5.14 Gain/Loss over 7582 days: +1.96 +14.67% Annualized Gain/Loss: +0.71% Real estate values in its region have not gone to bubble levels. Second stage conversion is over 18 months in past. Position building could be performed while dividend % goes to 4%. Looking at the macro view of population movement out of the big cities, not very much bubble risk in real estate valuations in its region of growth, increasing chance of a good increase in the dividend, 1 year chart looks good for downside protection, risks have been taken in new round of offerings at approved higher valuations, very large liquidity, time to rate it a buy. Has had much time to age with a valuation that is lower then many other new second stage converts. Was this user's rating of 'FNFG' helpful to you?
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-- FPTB --
FPTB	Nov. 20 2002, 2:54 PM ET	by BEN (view profile)	rating: Buy
FPTB performance: Price near date of rating (11/20/2002): 15.48 Recent price (09/30/2011): 11.33 Price change: -4.15 Dividends collected: 4.12 Gain/Loss over 8394 days: -0.03 -0.22% Annualized Gain/Loss: -0.01% growth bank stock Was this user's rating of 'FPTB' helpful to you?
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-- FRO --
FRO	Sep. 17 2004, 1:38 PM ET Rating changed on Sep. 23 2004, 10:40 AM ET	by BEN (view profile)	rating: Buy
FRO performance: Price near date of rating (09/17/2004): 206.30 Price near end of rating (09/23/2004): 223.45 Gain/Loss over 6 days: +17.15 +8.31% Annualized Gain/Loss: +505.53% An macro event has taken place with the higher real price of oil in the world today. The increase in the pure revenue base generated from this event increases the pure profitability. Thus a change in valuation of the industry is correct. Ownership and management of the asset are in good hands. Corporate goal to pay out large % of earnings to shareholders. Institutional interest is just starting to appear. Was this user's rating of 'FRO' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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FRO	Sep. 23 2004, 10:40 AM ET Rating changed on Oct. 5 2004, 10:58 AM ET	by BEN (view profile)	rating: Buy
FRO performance: Price near date of rating (09/23/2004): 223.45 Price near end of rating (10/05/2004): 261.70 Gain/Loss over 12 days: +38.25 +17.12% Annualized Gain/Loss: +520.73% An macro event has taken place with the higher real price of oil in the world today. The increase in the pure revenue base generated from this event increases the pure profitability. Thus a change in valuation of the industry is correct. Ownership and management of the asset are in good hands. Corporate goal to pay out large % of earnings to shareholders. Institutional interest is just starting to appear. A very good read on tankers http://www.valueforum.com/forums/show.mpl?keywords=1095901341.23.4317447966429&so=200409 Was this user's rating of 'FRO' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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FRO	Oct. 5 2004, 10:58 AM ET	by BEN (view profile)	rating: Buy
FRO performance: Price near date of rating (10/05/2004): 261.70 Recent price (11/11/2025): 24.10 Price change: -237.60 Dividends collected: 275.41 Gain/Loss over 7709 days: +37.81 +14.45% Annualized Gain/Loss: +0.68% An macro event has taken place with the higher real price of oil in the world today. The increase in the pure revenue base generated from this event increases the pure profitability. Thus a change in valuation of the industry is correct. Ownership and management of the asset are in good hands. Corporate goal to pay out large % of earnings to shareholders. Institutional interest is just starting to appear. A very good read on tankers http://www.valueforum.com/forums/show.mpl?keywords=1095901341.23.4317447966429&so=200409 The valuation reminds me of buying some mutuals at 70% of book a number of years ago. All my studies indicate a real market value of $66 a share which should pay you a comfortable premium dividend return over the comparables of other risk based equity investments. Was this user's rating of 'FRO' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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-- NEBS --
NEBS	Nov. 20 2002, 2:54 PM ET	by BEN (view profile)	rating: Hold
NEBS performance: Price near date of rating (01/06/2003): 14.95 Recent price (11/16/2012): 13.73 Price change: -1.22 Dividends collected: 0.980000000000001 Gain/Loss over 8394 days: -0.24 -1.61% Annualized Gain/Loss: -0.07% low liquidity Was this user's rating of 'NEBS' helpful to you?
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-- NFI --
NFI	Oct. 18 2004, 10:52 AM ET Rating changed on Dec. 20 2004, 09:38 AM ET	by BEN (view profile)	rating: Strong Buy
NFI performance: Price near date of rating (10/18/2004): 173.96 Price near end of rating (12/20/2004): 227.28 Price change: +53.32 Dividends collected: 5.6 Gain/Loss over 63 days: +58.92 +33.87% Annualized Gain/Loss: +196.23% The probability that over the next 12 months the dividend growth is much higher then alternative investments is number one. The ability to manage the hedge on colateralized assets has better visability now that higher oil prices have slowed world growth is number two. The growth of institutional ownership of shares is number three. Was this user's rating of 'NFI' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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NFI	Dec. 20 2004, 09:38 AM ET	by BEN (view profile)	rating: Strong Buy
NFI performance: Price near date of rating (12/20/2004): 227.28 Recent price (01/16/2008): 1.94 Price change: -225.34 Dividends collected: 55.4 Gain/Loss over 7633 days: -169.94 -74.77% Annualized Gain/Loss: -3.58% The probability that over the next 12 months the dividend growth is much higher then alternative investments is number one. The ability to manage the hedge on colateralized assets has better visability now that higher oil prices have slowed world growth is number two. The growth of institutional ownership of shares is number three.The shareholders whom have wanted to sell are now mostly gone for year end tax planning. The weight of favorable signs to make a calculated investment decision in a dividend growth stock with a very good track record is heavy. Was this user's rating of 'NFI' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- OCFC --
OCFC	Apr. 10 2003, 6:31 PM ET	by BEN (view profile)	rating: Buy
OCFC performance: Price near date of rating (04/10/2003): 21.53 Recent price (11/11/2025): 18.22 Price change: -3.31 Dividends collected: 15.15 Gain/Loss over 8253 days: +11.84 +54.99% Annualized Gain/Loss: +2.43% This looks like a cherry about to be picked. A great group of money making branches in the ocean side of New Jersey. would cost a lot to replicate. Was this user's rating of 'OCFC' helpful to you?
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-- PBCP --
PBCP	Mar. 16 2004, 9:41 PM ET	by BEN (view profile)	rating: Strong Buy
PBCP performance: Price near date of rating (03/16/2004): 11.90 Recent price (12/30/2016): 11.10 Price change: -0.80 Dividends collected: 0.205 Gain/Loss over 7912 days: -0.60 -5.00% Annualized Gain/Loss: -0.23% WSBI will help the management of Provident continue the advances in the fast growth counties they are already dominating in terms of commercial lending and residential. They will be a very attractive canidate for a big fish someday. Warwick is a very fine acquisition and timely. Was this user's rating of 'PBCP' helpful to you? Currently:   2 said yes (of 2 -- 100.00%)
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-- PBCPD --
PBCPD	Feb. 4 2004, 10:30 AM ET	by BEN (view profile)	rating: Buy
PBCPD performance: Price near date of rating (02/04/2004): 11.25 Recent price (02/12/2004): 11.39 Gain/Loss over 7953 days: +0.14 +1.24% Annualized Gain/Loss: +0.06% History is still on your side in acquiring second stage stock for higher returns and one year long term rewards. The location, location, location in New York State takes out a lot of the higher valuation risks. Not rocket science to watch the traffic. Reminds me of FFFL a number of years ago. Was this user's rating of 'PBCPD' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- PFS --
PFS	Jan. 18 2003, 8:25 PM ET Rating changed on Feb. 4 2004, 5:12 PM ET	by BEN (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/21/2003): 15.57 Price near end of rating (02/04/2004): 18.30 Price change: +2.73 Dividends collected: 0.14 Gain/Loss over 382 days: +2.87 +18.43% Annualized Gain/Loss: +17.61% In the large universe of stocks I follow there are few assets to purchase that have as much previous history of value, as large a beginning $$ equal footing shareholder base and is still priced at 125% of book value. It is still a cheap value for those whom need to own investments for a one year period or longer. Was this user's rating of 'PFS' helpful to you? Currently:   1 said yes (of 5 -- 20.00%)
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PFS	Feb. 4 2004, 5:12 PM ET	by BEN (view profile)	rating: Sell
PFS performance: Price near date of rating (02/04/2004): 18.30 Recent price (11/11/2025): 18.86 Price change: +0.56 Dividends collected: 14.51 Gain/Loss over 7953 days: +15.07 +82.35% Annualized Gain/Loss: +3.78% Now you are a higher risk new thrift whom must show us you can execute. New acquisition of FSLA with completion in as late as summer wil give an higher interest rate view when completion is closer. Increase of risk in the risk-reward. Was this user's rating of 'PFS' helpful to you? Currently:   1 said yes (of 5 -- 20.00%)
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-- PRTR --
PRTR	Dec. 2 2002, 8:09 PM ET	by BEN (view profile)	rating: Strong Buy
PRTR performance: Price near date of rating (05/09/2007): 1.01 Recent price (12/29/2022): 0.11 Gain/Loss over 8382 days: -0.90 -89.11% Annualized Gain/Loss: -3.88% Upstate New York will have good economic growth in the next decade. PRTR can help finance that growth. Was this user's rating of 'PRTR' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- PSEC --
PSEC	Jan. 7 2005, 4:19 PM ET	by BEN (view profile)	rating: Strong Buy
PSEC performance: Price near date of rating (01/07/2005): 11.54 Recent price (11/11/2025): 2.85 Price change: -8.69 Dividends collected: 21.5039999999999 Gain/Loss over 7615 days: +12.81 +111.04% Annualized Gain/Loss: +5.32% The form of ownership to manage an asset to distribute a higher % of earnings then other comparable publicly traded assets is not in the main stream of focus. The entry price of entering the oil and gas gathering system industry could be valuable. The macro view of moving gas thru gas systems is more valuable now then the previous decade. There are many sellers now! Like buying a mutual deal at 80% of book. And it is a dividend growth stock.! Was this user's rating of 'PSEC' helpful to you? Currently:   2 said yes (of 2 -- 100.00%)
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-- RSLN --
RSLN	Nov. 20 2002, 2:52 PM ET	by BEN (view profile)	rating: Buy
RSLN performance: Price near date of rating (11/20/2002): 17.79 Recent price (10/31/2003): 27.05 Price change: +9.26 Dividends collected: 0.6 Gain/Loss over 8394 days: +9.86 +55.42% Annualized Gain/Loss: +2.41% good support at $16 Was this user's rating of 'RSLN' helpful to you?
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-- SFL --
SFL	Oct. 9 2004, 2:21 PM ET Rating changed on Nov. 11 2004, 11:51 AM ET	by BEN (view profile)	rating: Strong Buy
SFL performance: Price near date of rating (10/11/2004): 23.01 Price near end of rating (11/11/2004): 20.98 Gain/Loss over 33 days: -2.03 -8.82% Annualized Gain/Loss: -97.55% Keep it simple stupid applies to this investment choice. The macro event that has taken place that the cargo of world trade like in Marco Polo's time, must be moved. The value of the cargo being moved in fastest growth is oil. The growth numbers are a high chance quantifiable equation of fact. The need to build more cargo movers or tankers is also evident. A need to have a company managed to provide the loans necessary and financing skills necessary to make a profit is now upon us. The opportunities to build a company and share the proceeds with your owner shareholders is now a reality. Having a finance company as part of your high yield investment in the equity sector of your portfolio of assets is warranted if the risk-return is excellent. Buying SFL for yield of lots of cash over the next 2 years. Was this user's rating of 'SFL' helpful to you? Currently:   6 said yes (of 7 -- 85.71%)
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SFL	Nov. 11 2004, 11:51 AM ET Rating changed on Nov. 16 2004, 1:51 PM ET	by BEN (view profile)	rating: Strong Buy
SFL performance: Price near date of rating (11/11/2004): 20.98 Price near end of rating (11/16/2004): 21.82 Gain/Loss over 5 days: +0.84 +4.00% Annualized Gain/Loss: +292.00% Keep it simple stupid applies to this investment choice. The macro event that has taken place that the cargo of world trade like in Marco Polo's time, must be moved. The value of the cargo being moved in fastest growth is oil. The growth numbers are a high chance quantifiable equation of fact. The need to build more cargo movers or tankers is also evident. A need to have a company managed to provide the loans necessary and financing skills necessary to make a profit is now upon us. The opportunities to build a company and share the proceeds with your owner shareholders is now a reality. Having a finance company as part of your high yield investment in the equity sector of your portfolio of assets is warranted if the risk-return is excellent. Buying SFL for yield of lots of cash over the next 2 years. 11/11/04 Am still buying hope to keep buying at this price for long time. It will be an income growth stock story for the next 12 months. If income grows enough then let the stock be stable and keep buying more. Many new shareholders will buy SFL in 2005. Was this user's rating of 'SFL' helpful to you? Currently:   6 said yes (of 7 -- 85.71%)
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SFL	Nov. 16 2004, 1:51 PM ET Rating changed on Feb. 1 2005, 11:31 AM ET	by BEN (view profile)	rating: Strong Buy
SFL performance: Price near date of rating (11/16/2004): 21.82 Price near end of rating (02/01/2005): 23.91 Price change: +2.09 Dividends collected: 0.45 Gain/Loss over 77 days: +2.54 +11.64% Annualized Gain/Loss: +55.18% Keep it simple stupid applies to this investment choice. The macro event that has taken place that the cargo of world trade like in Marco Polo's time, must be moved. The value of the cargo being moved in fastest growth is oil. The growth numbers are a high chance quantifiable equation of fact. The need to build more cargo movers or tankers is also evident. A need to have a company managed to provide the loans necessary and financing skills necessary to make a profit is now upon us. The opportunities to build a company and share the proceeds with your owner shareholders is now a reality. Having a finance company as part of your high yield investment in the equity sector of your portfolio of assets is warranted if the risk-return is excellent. Buying SFL for yield of lots of cash over the next 2 years. 11/11/04 Am still buying hope to keep buying at this price for long time. It will be an income growth stock story for the next 12 months. If income grows enough then let the stock be stable and keep buying more. Many new shareholders will buy SFL in 2005.11/16/04 Saw that the company produced $52 million net income in the most recent quarter. Quick look shows a market cap size of SFL at $1.4 billion. So can see maybe minimum of $250 million in net income in next 12 months. Will focus on paying out the cash back to shareholders is corporate mantra. go SFL go SFL Was this user's rating of 'SFL' helpful to you? Currently:   6 said yes (of 7 -- 85.71%)
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SFL	Feb. 1 2005, 11:31 AM ET	by BEN (view profile)	rating: Strong Buy
SFL performance: Price near date of rating (02/01/2005): 23.91 Recent price (11/11/2025): 8.35 Price change: -15.56 Dividends collected: 30.31 Gain/Loss over 7590 days: +14.75 +61.69% Annualized Gain/Loss: +2.97% Keep it simple stupid applies to this investment choice. The macro event that has taken place that the cargo of world trade like in Marco Polo's time, must be moved. The value of the cargo being moved in fastest growth is oil. The growth numbers are a high chance quantifiable equation of fact. The need to build more cargo movers or tankers is also evident. A need to have a company managed to provide the loans necessary and financing skills necessary to make a profit is now upon us. The opportunities to build a company and share the proceeds with your owner shareholders is now a reality. Having a finance company as part of your high yield investment in the equity sector of your portfolio of assets is warranted if the risk-return is excellent. Buying SFL for yield of lots of cash over the next 2 years. 11/11/04 Am still buying hope to keep buying at this price for long time. It will be an income growth stock story for the next 12 months. If income grows enough then let the stock be stable and keep buying more. Many new shareholders will buy SFL in 2005.11/16/04 Saw that the company produced $52 million net income in the most recent quarter. Quick look shows a market cap size of SFL at $1.4 billion. So can see maybe minimum of $250 million in net income in next 12 months. Will focus on paying out the cash back to shareholders is corporate mantra. go SFL go SFL. 2/1/2005 Looks like the discount for share distributions will be coming to an end in the next 5-6 months. Now there will be only a 25% share distribution left to wonder about when? The size of the dividend looks to be getting larger as plans by FRO are becoming reality. SFL is a leading dividend growth stock! Was this user's rating of 'SFL' helpful to you? Currently:   6 said yes (of 7 -- 85.71%)
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-- STT --
STT	Jan. 15 2003, 3:01 PM ET	by BEN (view profile)	rating: Buy
STT performance: Price near date of rating (01/15/2003): 40.10 Recent price (11/11/2025): 119.43 Price change: +79.33 Dividends collected: 30.93 Gain/Loss over 8338 days: +110.26 +274.96% Annualized Gain/Loss: +12.04% In the large cap universe there are not any to easily compare to its business model.Large increase in dividend rate is a more reasonable outcome for large increase in cash flow. Investing in accountability when it is percieved absent. Was this user's rating of 'STT' helpful to you?
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-- SYNF --
SYNF	Jan. 24 2004, 3:31 PM ET	by BEN (view profile)	rating: Buy
SYNF performance: Price near date of rating (01/26/2004): 10.91 Recent price (10/05/2007): 15.22 Price change: +4.31 Dividends collected: 0.68 Gain/Loss over 7964 days: +4.99 +45.74% Annualized Gain/Loss: +2.10% I don't particularly like how the world has changed for raising new capital for mutuals, but Synergy has now profited from the connected universe of new shareholders grouped by the underwriter Sandler. This is a calculated decision that will add to the growth story unfolding for SYNF. It has now many, many more individual shareholder/i.e future depositor clients. In order to achieve this wide new customer base by use of its own marketing team it would be a very large expense . They have acquired a great business value at almost no expense( they did get me a little upset with the new tactic of money raising introduced to our mutual universe), but this is a good thing for the long term of Synergy Financial Groups equity growth.So even though I am a non-processed new issue player I will start to buy. A growth company in a sector where costs of product is declining at very good rates, gives management a very good profile to produce results. They do have a good track record the last few years( yes a trained monkey could also have done well) but I do give them credit. I have now read must be hundreds of these bank prospectus papers and this one reminds of my days in the late 70's early eighties reading about Intel and Apple and then Microsoft. Grow them rapidly when you see open spaces! It works for a while, then gets to expensive. Was this user's rating of 'SYNF' helpful to you? Currently:   11 said yes (of 12 -- 91.67%)
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-- TONE --
TONE	Nov. 20 2002, 2:56 PM ET	by BEN (view profile)	rating: Strong Buy
TONE performance: Price near date of rating (11/20/2002): 14.24 Recent price (07/26/2010): 0.02 Price change: -14.22 Dividends collected: 1.13 Gain/Loss over 8394 days: -13.09 -91.92% Annualized Gain/Loss: -4.00% Lots of franchise value Was this user's rating of 'TONE' helpful to you?
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