Nvidia Is Potentially Overvalued

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Nvidia's Stock Is Expensive

Nvidia is a company that has been both overvalued and undervalued. I think Nvidia is currently overvalued. August 2015, the company was valued at about $20 per share – P/E ~ 18. Today, the company is valued at about $56 per share – P/E ~ 49. Nvidia’s earning per share dropped from FY 2015 to FY 2016 from $1.12 to $1.08. Yes, it’s not that big of a drop, and also not that big of a deal – given the industry. But, the stock is up nearly 3 times since August 2015.

Who cares?

Nvidia is entering a new market – the self-driving market. Nvidia has been developing their own platform called Nvidia Drive PX. Also, Tesla has partnered with Nvidia, and they have been partnered since the early development of the Model S. Nvidia powers Tesla’s 17-inch screen center console and the 12.3-inch 3D digital instrument cluster.

One reason Nvidia has been surging is because this partnership and if Tesla’s model S continues to sell well, this will affect Nvidia in a positive way. Nvidia’s automotive business has been growing drastically. The problem is that the self-driving market could still be a long wait – with regulations.

SELL?

The stock is overvalued and I think there will be pull back. Nvidia is dominate in the GPU market and many companies will likely be using Nvidia’s self-driving platform. However, AMD has made some major changes, and I wouldn’t be surprised if Nvidia lost some market share to AMD.

Intel is working on making their self-driving platform a reality – bringing self-driving cars with BMW. With competition, it’ll ultimately reduce Nvidia’s market share. The self-driving market still has many unknowns and uncertainties. With the recent surge in Nvidia’s stock, I think – to some extent – investors are banking on Nvidia’s self-driving platform to be the go to platform for car makers.

This happened recently with Nintendo’s stock. Pokemon Go is extremely popular – which caused Nintendo’s stock to increase from $17.50 to $37.37. Today, however, the stock is at $25.52 after investors were told that Pokemon Go’s success wouldn’t lead to a guidance revision.

Don't Sell?

Of course, AMD’s comeback could fail. If that happens, Nvidia will continue to control nearly 80% of the high end GPU market and revenue will continue to grow in the double digits. Also, if Nvidia’s self-driving platform is vastly superior to Intel’s self-driving platform, then car makers will choose Nvidia over Intel – causing a surge in Nvidia’s automotive business. Nvidia also made over $100 million from cloud-computing. The cloud-computing business will likely grow in the high double digits. All of these factors could lead to a significant growth in revenue and ultimately reducing the P/E ratio drastically.

Sources:
Why NVIDIA Stock Has Surged 43% in 2016
NVIDIA Is a Great Company, but the Stock Is Overvalued

With the given information, I don't think Nvidia has much upside. I would sell.

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Intel's Future? - The Stock!

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It's been a while -- I thought I'd come back with a company I really like -- Intel.

Article: Intel and Mobileye Are Bringing Driver-less Cars to the Road by 2021

Is Intel Important?

Companies are pushing towards driver-less cars and the more companies that push towards driver-less cars, the surer I am that this isn’t just a gimmick. Intel and Mobileye are going to provide the central processing unit (CPU) while BMW will make the car. Intel failed to adapt to the mobile market early on, but they might have learned their lesson and are aggressively working towards the self-driving market.

It seems like self-driving vehicles are here to stay. BMW has been working on self-driving technology since 2011 and Intel is making a “self-driving platform” – kind of like how CPUs control our operating systems.

Riding In The Back Seat

Intel dominates the CPU market. Intel may also partner with other companies – like Apple. Elon Musk (Tesla and SpaceX CEO) has said on numerous occasions “Apple working on self-driving cars is an open secret.” Intel and Apple partnering on self-driving cars shouldn’t surprise anyone. Apple and Intel already have a good relationship – The iMac and MacBook have Intel CPUs inside. Also, Intel has also been investing and researching self-driving since May 2014.

Every single car-maker is entering this market. Intel has been working closely with Ford, Jaguar's Land Rover and now BMW. Although it’s not clear who will be using Intel’s driver-less platform – it’s likely that many of them will choose Intel.

Crashing In The Back Seat

Reports show that Mercedes is ahead of BMW in autonomous driving. If BMW really is behind, this may negatively impact Intel if Intel doesn’t provide the chips for Mercedes. If Mercedes takes up a big chunk of the market share, it will hurt Intel -- assuming Mercedes isn’t using Intel’s driver-less platform. However, BMW has been working on autonomous cars since 2011 (Mercedes started in 2012) and BMW claims they can make the most intelligent car. Intel chips will likely be inside the iNext – the most intelligent car.

Uber is also buying 100,000 self-driving Mercedes S-Classes (in 2020) – for $10B. Someone at Uber stated that they wanted a lot of autonomous vehicles. Uber did “shop around” but I haven’t found a source that claims Uber “shopped around” at BMW. But since Uber did “shop around” it’s likely they did try to strike a deal with BMW.

Starbucks' S'mores Frappuccino (Sources):
1. Intel & Mobileye Are Bringing Driverless Cars to the Road by 2021
2. BMW needs to catch up to Mercedes' autonomous tech
3. BMW says it's capable to build the "most intelligent car"
4. Uber buying 100,000 self-driving Mercedes S-Classes?

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Wall Street?

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Article: NYSE Joins 21^st Century, Letting Traders Use Their Phones

Connecting Digitally

NYSE Embraces the Digital Age

Phones are one of the most popular and common things in the world. People care more about connecting with their peers than they do about having a clean toilet.

“Surprisingly, the UN reports there are now more people with mobile phones (6 billion for world population of seven billion) on earth than there are with access to clean toilets (4.5 billion). That phenomenon is easily visible in Indonesia, for example, where it is common to see people who live in metal roofed shacks without bathrooms surfing Facebook on their smartphones or feature phones. And it shows how, in the developing world, multinationals are often better at responding to peoples’ needs than governments are.”

Is This Important? -- Not Really, But It's Interesting

Phones are important. We’re on our phones constantly. I’m a bit surprised that the NYSE didn’t adapt sooner.  Our society is moving deeper and deeper into a digital society.

“Communications with customers is a vital part of a floor broker’s role,” NYSE said in the filing. “Brokers who do not have exchange authorized and provided portable phones should be permitted to use personal cell phone devices, in lieu of the non-operational wired phone lines.”

Surfing On Phones

We cannot deny the popularity of phones. The only answer for the NYSE is to adapt. As new technologies become available, privacy and security is usually an issue. But in the long run this will make the traders more efficient and effective.

Drowning Under Phones

Safety & Security is important and the IT department will have to increase security. With the use of personal phones, the people on the floor can do a lot of damage – like take a still photo or video or an audio record of something that’s not supposed to be leaked to the public.

Sources:

http://www.bloomberg.com/news/articles/2016-06-27/nyse-joins-21st-century-letting-traders-use-their-mobile-phones

http://www.slate.com/blogs/moneybox/2013/03/22/mobile_phones_are_more_common_than_plumbing.html

SIDE NOTE

IBM is a great company and I think they have a great future. I don't expect them to pop in the near future, but in 20, 30, and 50 years from now, they'll likely explode. And if you think you can pop into IBM for a quick profit -- just get out. IBM is a tanker. It takes a tanker 72 hours to make a 360 degree turn. 

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Don't Change

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Don't Let Brexit Change You

Brexit is causing a lot of panic. But there is no need to panic. The citizens decided this for themselves, and although I don't think I was a good decision, it's ultimately their decision. 52% to 48%

Since the decision was made, nearly $2 trillion vanished, it's like the 2008 financial crisis all over again. And since it will take 2 years for "Brexit" to initiate.

Ultimately, everything will be fine. So, don't change up your investment strategy. We're all going to be okay.

What happens to all the money that disappeared?

Well, it wasn't really money, it was a piece of paper that said "I own this company" and as the stock market rebounds, more wealth will be created. And most "poor" people will complain that all the new wealth goes to the extremely rich. That's true, but its because the extremely rich have investments. And I know most "poor" people say they don't have money to invest their money, but I don't know what they actually spend their money on. For all I know, they eat dinner at a restaurant every day. And yes, that's not uncommon.

On Another Note

Steam Summer Sale 2016 is a thing and I haven't purchased anything. Go me? No, not buying is pretty common -- buying isn't.

Today's sponsor is! (Just Kidding I don't have any sponsors)
Project Fi

Why am I providing a link if I don't have a sponsor? Who knows.. well I know, but I'm not telling

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A Wonderful Downfall

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Dow Jones Industrial Average (DJIA)

Is it really wonderful? It depends on who you ask. I think it's wonderful because it reminds me that I'm human. Sometimes your stocks go up so much you think you've become A Warren Buffett. Or a Jim Cramer. Sorry, but Jim Cramer doesn't get the emphasized text. Jim Cramer is not as cool as Warren Buffett, but that's only because Warren Buffett has an honest record. Jim Cramer doesn't have an honest record. The DOW dropped 500 points today (Junes 24, 2016). The DOW was at 18,000 yesterday -- a 500 point drop is about 2.75%.

Britain Votes To Leave European Union

I think it was 52-48 and now the Prime Minister, David Cameron, will quit by October. If the vote was 48-52, he would have stayed. What does this mean? Well, it means that the Dow Jones dropped 500 points today (June 24, 2016). That's not actually what it means, but the Dow Jones dropped 500 points today.

Sell Everything?

Only if you like and listen to Jim Cramer

Sell Nothing?

idk

Sell Anything?

Only if you're a streeter

Why Is There Yellow Text?

I don't like streeters.
Yes, that yellow text is the word streeter.

What's a Streeter?

That blog has been postponed because the DJIA dropped 500 points today (June 24, 2016)

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Starbucks' Functionality, Purpose & Integration of Cashless Ultilization Is Killing Sales For Coca-Cola & PepsiCo

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     In recent years, successful beverage companies have been able to provide a purpose -- which has recently been related to health. However, Starbucks' successful beverages -- S'mores Frappuccino and Pumpkin Spice Latte aren't exactly healthy. S'mores Frappuccino offers a seasonal purpose -- a delicious cold drink on a hot summer day. The Pumpkin Spice Latte also offers a seasonal purpose.

     As Starbucks adapts, responds, and markets to consumers, the company sales continue to grow causing other companies growth to slow down and decline. Americans don't carry as much cash as they used too. Starbucks mobile paying app is the perfect solution -- adapting to our new ways of living -- known as Starbucks Rewards.

From business insiders:

"Twenty years ago, people used to wake up with a Diet Coke or a Diet Pepsi," said Modi. "At around 2 o'clock, they'd have another and take a break. Walk in front of a Starbucks at 8 a.m. and 2 p.m. and tell me how long the lines are."

Why is this important?

     Since 1998, soda sales in the US per capita have dropped 25% and show signs of continual decline -- which is also just a few years after Starbucks served its first Frappuccino. But the coffee giant has adapted and offered much more than Coca-Cola and PepsiCo have ever offered -- a place to sit down, drink a cup of coffee (or tea) and work on your Mac & iPhone. Starbucks is also welcoming with a cafe like feel and and sometimes a place to charge your smart phone. Coca-Cola and PepsiCo also have bad press. "Drinking two or more cans of soda a day increases the risk of heart attack, and diabetes." Whereas, Starbucks has mostly avoided backlash. 

     Starbucks' functionality and purpose has worked so well, Dunkin Donuts has remodeled some of their stores to try and mimic the atmosphere from Starbucks. However, it hasn't been working for Dunkin Donuts. I believe its because of two reasons. First, Dunkin Donuts originally marketed itself as "America Runs on Dunkin" or as I see it -- Buy a cup of coffee, gulp it down, and be on your way. Second, Dunkin Donuts has been labelled as a cheaper and tasteless (comparatively speaking) alternative to Starbucks. 

Surfing with Coffee

     As our society advances, companies have to either adapt to our changes, or refuse to adapt until they start losing dominance. This causes a decline in sales and potential dominance until they have fully adapted to our life style change. We have already seen the rise of the coffee industry, $7B in 2012 to $9B in 2016. Starbucks is still adding new locations. By 2019, Starbucks plans to open another 1,800 locations in China.

Drowning without Coffee

    The growth for the coffee industry as a whole has slowed down -- weaker growth since 2009. China's growth has slowed down and the future for China has blurred -- whereas before China seemed like a bulldozer diminishing everything in its way. 

Coca-Cola and PepsiCo have been diversifying their chain with the slowdown of soda. 

KO

* Coca-Cola's non carbonated beverages -- including water and Minute Maid grew 7% and it's packaged water grew in the double digits. 

* Coca-Cola has been buying beverage companies in its recent years to fight against the slowdown of soda sales.

PEP

* Soda has accounted for less than 25% of PepsiCo total sales 

* PepsiCo has been focusing on healthy snacks and non carbonated beverages to fight against the slowdown of soda sales. 

S'mores:

* Business Insiders

* Independent

* Nikkei

* Forbes

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LINE (LN) IPO

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Line Is Going Public

Line is a popular messaging app in Japan. It's revenue has grown substantially since 2013. From 39.6B Yen to 120.7B Yen. That's about $350M to over $1B!! In just 2 years. It went from a baby to a toddler. But what's the future? It's popular in Japan, banned in China, and fairly unknown in North America. Japan's population is less than half of the United States.

Should I Invest In LINE (LN) IPO?

I can't even figure out if I should invest in them. I've been using Line's apps for the past two days, and I will say -- they are kinda addictive -- but will I spent money on their services? I don't think so, but then again -- I'm not their target audience, so what do I know?

Although, there is something about Line that just makes me want to invest in them. Their services are similar to WeChat, and WeChat is amazing. But, I don't know.

You Can Read About Line

Article - Line

Is Line my rusty armor?

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The Rally?

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The Rally Is Coming

Investors are afraid, and many economists believe that a summer swoon is coming. However, there are a few who believe the stock market will rally summer 2016. I've only been paying attention to retail sales, online sales, CPI & Core CPI, unemployment, wages, and commodity prices. Many economists say "America is in the sh*t hole." However, there are a few candle sticks that prove them wrong.

The stock market has corrected and rallied twice -- once in July 2015 and once in January 2016. If we have another rally -- without a correction -- the stock market will likely break it's all time high. When that happens, investors are more motivated to invest and that's exactly what they do -- invest more with their new levels of motivation.

What I'm afraid of is ---- INFLATION
Wages have recently been going up and up and up, which is why I fear we will have a period of higher than expected inflation. I don't think we'll trigger inflation for a few years -- at least not with the given information -- people aren't spending -- they're saving. Eventually, people will be comfortable spending again, and that's when the higher than expected inflation will trigger.

Why is this post so short?

Because I'm fed up with streeters.
End of discussion.

Why doesn't this post explain anything?

Because I'm fed up with streeters.
End of discussion.

When will you stop being fed up with streeters?

Hopefully, 2H of 2017.

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Price of Stocks -- The Importance

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Global Market post will have to wait, before we go deep into the investment world, we need to put one foot in. This blog post isn't putting your foot in but your toe in! Baby steps.

If you missed my last post -- Click Here
My friend said it's a diary post -- I don't agree, but I don't disagree either.

Prices of Stocks Aren't Always Important

This post is one of the most important posts I've made so far and it will likely stay that way for the rest of this blogs lifespan.

Please read this post 20 times so you can memorize it.

Amateur investors don't understand what the price of a stock means. When you see Amazon selling for $700 a share and Apple selling for $95 a share. People think Amazon is more expensive than Apple. To purchase 1 share, yes you are correct. But Amazon's market cap is $333 billion while Apple's market cap[italization] is $514 billion.

When a stock is expensive, it's because the market cap is far to high to justify the investment. Yes, to a certain extent, the price is important -- but the number of outstanding shares are important too. Also, companies do stock splits. Apple did a split in May 2014 -- if it didn't do that split, the stock would be about $700 a share.

Market Capitalization

Market capitalization is the total dollar market value of all of a company's outstanding shares. The formula for market capitalization is calculated by multiplying a company's outstanding shares by the current market price of one share.

Simple right?

So where do you find the number of outstanding shares? Well, there are many ways, but for amateurs -- Yahoo! Finance is the golden egg.

So .... I think the best way to explain this is with pictures. Oh boy, a picture post!

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When you search a stock on Yahoo! Finance (at least on anything but mobile) you'll see something along the lines of this. Click Key Statistics. You can also click here -- that will take you to Amazon's summary page.

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Once you've clicked key statistics, you should see something along the lines of this. You can also click here --that will take to Amazon's key statistics page.

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That Was Easy!

Wasn't that easy? Now all you have to do is multiply 471.83 million shares by the current market price of the stock. As of this writing, the market price of Amazon is at about $705.

Market Cap = Outstanding Shares * Market Price for one share

Market Cap = 471,830,000 * $705

Market Cap = $332,640,150,000

Remember at the beginning of this post I said Amazon's market cap is at $333 billion? What do you know! I got $332.64 billion. Of course, the price of the stock is constantly changing -- but as long as your margin of error is no more than 3% then you're in good shape!

SO DO THAT INSTEAD OF SAYING AMAZON IS MORE EXPENSIVE THAN APPLE! Now, I really can't comprehend how amateur investors invest their money when they don't even know something as basic as that. But I really get depressed when amateur investors don't know how to find basic things like market cap.

By the way, on the summary page of Yahoo! Finance, the companies market cap is listed in the table -- and it's easy to spot.

A Message To Amateur Investors

Please learn some of the basics about investing. I know many amateur investors have others handle their investments, but pick up a gosh darn book. Even if it's a small 100-page book. You don't even have to read a book, you can just read articles, but I personally like books. There are millions of articles out there. Yahoo! Finance has enough information for amateur investors who don't manage their own portfolios. If you manage your own portfolio, you'll need to dig a bit deeper, and Nasdaq is a great place to start! Become the great investor that others think is impossible to accomplish! Prove them wrong!! Maybe one day, I'll be taking advice from you. :)

Thanks For Reading!
Next Time I'll hopefully be less depressed and I'll give amateur investors some tips!

Until next time! Watch my YouTube Videos!
Channel: xHitoBiteZ
Let's Play: Digimon World Data Squad
Global Market Video: Dollar Will Collapse - Explained (It Won't Collapse)

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Wish For It

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Previously on xHitoBlog, xHitoBiteZ cautioned investors who are interested in Activision Blizzard.
Click Here To Read It

No investing today

Reader: What gives? Last blog post you teased about going deeper in the investing world.

Me: Yeah, but I went on an adventure yesterday after I posted that, and now I need to make a blog post about my wishlist.

Reader: The wait for that investing post better be worth it *Angry Face* I know, I'm bad at this.

Me: Don't worry, it'll be worth the wait. I'll give you a hint! It has to do with that dollar won't collapse video.
Click Here To Watch The Video!

The Wishful Thinking List

I have many games on my wishlist, and there are many games I want that I don't have on my wishlist. I'm really bad when it comes to buying games. I always say I'm gonna buy a game and then I don't buy it. There are a few times where I JUST DID IT! and I recently just did it to buy Star Ocean: The Last Hope (PS3 edition). I was also in a Skype call with a friend and I remember very clearly -- regretting the purchase of the game for the rest of the night. That was a few weeks ago though. Today, I'm feeling okay. I haven't finished playing the game.. I'm actually only about 3 hours in ... Pretty sad for having purchased it 2 weeks ago... It's a good game though, and I think many people should buy it and play it -- if they haven't already. Although, there is a new Star Ocean game coming out on June 28, 2016 (US release) and that might be an even better game! I know I'll be purchasing that game if they ever decide to release it on PC.

Seriously, release it on PC :(

The Story

So, yesterday I was on an island (no seriously, I was) because I was inviting to some dinner thing. THE FOOD WAS GREAT

Anyway ... I was talking to some some guy and we had a conversation about satisfaction. He was telling me about buying houses and what not, but I told him that I have like 20 games on my wishlist and I know I'd be satisfied if I purchased half of them. But, he told me that I need to buy a house because then I can build equity and live a satisfying life. But I told him that I would live a satisfying life if I purchased half of those games on my wishlist.

Then he said, "Why don't you just buy all of those games, after all games aren't all that expensive."

I said, "I would if I wasn't so GOSH DARN FRUGAL!!"

He laughed and told me that being frugal is good, so use that money to buy a house instead of using to buy video games. Then I laughed and told him that $200 isn't going to buy me a flipping house.

At this point, he was a bit surprised and said, "Aren't games like $60? Doing some simple math 60 times 20 is $1200. If you have excellent credit score, that's almost enough down payment for a condo or an apartment."

I said, "Well, new games cost like $60, but the games I want cost between $15-$30... A few cost less than $3." He face palmed and that's where the conversation ended. I proceeded to the dessert bar afterwards -- spoilers the dessert was delicious.

My Wishing List

Most Expensive To Least Expensive. PC Edition For Every Game Listed Below!

Final Fantasy X/X-2 HD Remaster $29.99
Hyperdimension Neptunia Re;Birth2: Sisters Generation $29.99
Hyperdimension Neptunia Re;Birth3: V Generation $29.99
Hyperdimension Neptunia U: Action Unleashed $29.99
Hyperdevotion Noire: Goddess Black Heart $29.99
Melty Blood Actress Again Current Code $24.99
Disgaea PC $19.99
FINAL FANTASY XIII-2 $19.99
LIGHTNING RETURNS: FINAL FANTASY XIII $19.99
The Incredible Adventures of Van Helsing - Complete Pack $19.99
The Incredible Adventures of Van Helsing II - Complete Pack $19.99
The Incredible Adventures of Van Helsing III $14.99
Stardew Valley $14.99
LiEat $2.99
Sins Of The Demon RPG $1.99
Helen's Mysterious Castle $1.99
The Chosen RPG $1.99

Total: (if purchased at full price) $313.83

Why am I listing all the games on my wishlist list? To be completely honest, this entire blog post is for me to read 5 years from now and laugh at myself. I would bet that in 5 years from now, I'll own no more than 5 of those games listed above. You guys can laugh at me too because that's pretty sad. Anyway, that's it. Thank you very much for reading! Comment below if you are frugal like me. Or you have advice on how I can be less frugal. :)

For Real This Time: Next Time on xHitoBlog -- We'll go deeper in the world of investing! Don't miss it!

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Activision Blizzard

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Last Time I wrote about Starbucks (SBUX) and also Apple (AAPL)
Check Here To Read It

Today, it'll be about a lovely company called Activision Blizzard (ATVI) -- Most people know them as the Call of Duty guys.

I have to admit - I've pitched Activision Blizzard before and yes, both times I've pitched the stock -- the people I pitched it to decided to buy it. It was a small amount -- only 100 shares which represented about only 2-3% of their portfolio. If you think that because I've pitched the stock before, I will be biased in this blog, then I'll see you in the next blog! If not, then READ ON!

Activision Blizzard Leads (In terms of Market Cap)

The two big publicly traded gaming companies in America are Electronic Arts (EA) and Activision Blizzard (ATVI) -- Take-Two Interactive Software (TTWO) is also publicly traded, but they have a market cap of about 1/10 of EA's and ATVI's. But Activision handles things differently from EA. Activision's cash cow has always been WoW (at least since Activision merged with Blizzard in 2002, which closed December 2010)

Both Activision and EA have similar revenue over the past two years. It's been about $4.5B. However, this'll change this year. EA expects revenue to be about $4.9B while Activion expects revenue to be about $6.1B. Now, this might sound like a huge jump for Activision, but it's actually not. Activision might actually have less revenue in 2016 then it did in 2015. However, Activision acquired a new company for about $5.9B -- Known as KING. Know, I don't know all the details -- because I got a little lazy and only skimmed through their annual report. About $2B is likely to come from their newly acquired company KING! Which means that if KING's business brings in about $2B in revenue -- that's only $4.1B without KING.

But that doesn't mean they are going down the drain. Analysts who watch ATVI believe that the next Call of Duty is expected to be one of the best selling Call of Duty's! If they are right, then Activision will have another year to live! And the stock will go up and up and up. Personally, I don't think it's a worthwhile investment at $39 -- until they can prove to me that have covered their bases. 80% of Activision's profits comes from Call of Duty, World of Warcraft, and Skylanders -- World of Warcraft being the most profitable by a lot!

This post is a bit shorter than my post about Starbucks -- But as an investor I think people should be cautious when investing in Activision Blizzard. I don't believe they'll go out of business nor do I believe that they will have trouble using the ship out of Call of Duty to make them a decent amount of money over the next few years. But long term -- 10+ years -- I don't know where they stand. They are doing a great job diversifying but I also don't know if mobile gaming is as big of an industry most analysts believe it to be.

Recommendation

Woah, this is a knew one, you didn't make a recommendation for Starbucks. Dammit, and I would have gotten away with it if it wasn't for those meddling kids. :(

With the given information, I think investors should be cautious before investing in Activision Blizzard.
For 2 reasons
1. The stock has more than doubled in the last year -- it's likely to have a 10% to 15% correction in near term.
2. World of Warcraft won't be a cash cow forever -- they need a new cash cow and Call of Duty games have not been doing the best for the last few years. If the next Call of Duty really is amazing then I will blog about how I was wrong. But until then, I'll stand by my opinion.

Next Time on xHitoBlog -- We'll go deeper in the world of investing! Don't miss it!

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Starbucks -- They Sell Coffee

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Last Time On xHitoBlog-Z ... xHitoBiteZ Ranted About Digimon World 3.

Check out my Rant Blog Post Here

People like to hate on popular and successful corporations. I'll admit, there was a time where I hated on Apple. I've learned that when you hate on companies like these, you lose big.

Did you know that Apple and Starbucks are both publicly traded companies? Well, if you didn't know, then now you know. Both companies pay dividends, but you wouldn't invest in these companies for their dividend payout. Although, Apple is starting to seem like a stalwart and when companies become stalwarts, you generally invest in them for dividend payments. Either that, or you think it's a turnover stock.

Starbucks (SBUX)

What is Starbucks? Well, Starbucks is a pretty big company that sells coffee.. and other stuff.. but mostly coffee. They did buy out Teavanna towards the end of 2012 for about $620 million, but that doesn't account for much of their revenue. In Starbucks 2014, their tea business made about $1 billion in revenue (according to management) and plans to double it by 2020. You can get more details here. And there 2015 10-K here. Their 10-K form is about 110 pages, so make sure you give yourself 3-4 hours to read it. It's a lot to take in. I usually take a break for about 15 minutes after I read about half of it.

Starbucks has about 23,000 stores around the world. About 53% are company-operated and the remaining are licensed stores. However, their company-operated stores represent nearly 80% of total net revenues during fiscal 2015.

During fiscal 2015, 73% of company-operated revenue came from their beverages -- 19% from food -- 3% from single-serve coffees and teas -- and 5% from ready-to-drink beverages, coffee-making-equipment and other items.

So, why do people hate on Starbucks?

Well, they charge a whole lot for their coffee. But, they have the cleanest bathrooms ever. You can also sit their for as long as you want and use their wifi! Sure, you can argue that Dunkin Donuts allows you to do that, but at Dunkin Donuts they have signs that say -- 20 minute limit -- and if you stay much longer than that, they get angry and kick you out. Starbucks also has comfy sofas AND charging stations. You can charge your phone or laptop for no addition charge. Starbucks has wireless charging too -- that's pretty neat -- if your phone or laptop doesn't have that wireless charging thing built in though, it won't work. However, most phones nowadays have that feature built in. Not sure about laptops -- but that's because I don't laptop at Starbucks.

People also complain that Starbucks puts too much ice in their ice coffees and ice lattes. (such a first world problem) Then you have those haters who say Dunkin Donuts is way better. All I'll say is -- Have you ever drank a Starbucks coffee and Dunkin Donuts coffee side by side? If you're a hater and you haven't, then just go home. Seriously, just go home.

Now, Dunkin Donuts is cheaper than Starbucks. -- But I'm pretty lucky. I get a small coffee with caramel syrup. At Dunkin Donuts (in my area) a small coffee costs me $1.69 plus tax and at Starbucks (in my area) a small coffee costs me $1.79 plus tax. Only $0.10 more for coffee that tastes way way way better, and CHARGING STATIONS! Yes, I sit at Starbucks just to charge my phone -- Unless I'm in a rush.

I know most people get more "advanced" drinks (Great coffee terminology, eh?) but I don't understand much of that so I just get basic coffee. Unless I'm with my sister, she knows a lot about Starbucks drinks so she get's me the good stuff... Not sure how much they cost because I'm usually sitting at a table while she orders.

Anyway, if you're an investor -- never hate on a company -- because then you'll never get those 10, 20, or 30 baggers. Starbucks has had 6 stock splits since it went public in June 1992. It's also been paying a steady dividend every quarter since 2010. It's a low dividend yield, but Starbucks (in my opinion) is still a growth company. Growth companies generally don't pay dividends -- if they do, however, it's small. Starbucks dividend yield is about 1.42%. Let's talk about Apple! :D

Apple (AAPL)

Why am I talking about Apple when this blog is about Starbucks? Well, I was a hater once, and I thought I'd include a bit about Apple since I hated on them. Why not just blog about Apple and not include Starbucks? Well, the new company people like to hate on now is Starbucks.

In the beginning of 2007, Apple was trading at about $12 per share. It shot way up to $28 per share. However, in 2008/2009 we had The Great Recession / Financial Crisis and Apple dropped back down to $12 - $13 per share. But now, the stock trades at about $100 per share. AND in 2014, there was a 7-1 stock split. That means if you bought 100 shares before the split, you would have 700 shares after the split. So, for people who weren't hating on Apple, bought it before recession for about $12 or after the recession for about $12-$13 are pretty darn happy right now.

For people who bought 100 shares of Apple at around $12 per share -- paid about $1200. ($12 per share * 100 shares)

The stock trades around $100 per share today, but had a 7-1 split in 2014 -- so that means your 100 shares are now 700 shares.

$100 per share * 700 shares = $70,000. Yes -- today your $1200 is worth about $70,000. That's a 57 bagger! -- Yes, your investment is worth 57 times more then the initial amount.

Until my next blog -- Watch my Digimon World Data Squad Let's Play

Next Time On xHitoBlog-Z ... xHitoBiteZ Will Blog About Activision Blizzard (ATVI)

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Digimon World 3 RANT!

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Not Actually A Rant Bad Title and Header -- I know

I've been having dreams about the Digimons lately. No, not Digimon Data Squad -- Yes, Digimon World 3. The dreams are coming more frequently. It's like my subconscious is trying to tell me something.

What could it possibly be trying to tell me? I have absolutely no idea..........

That was only a half joke. What's a half joke? Well, a half joke is kinda like half and half -- half milk, half cream -- except in this case it's half joke, half seriousness.

Why so serious? Well... I HAVE TO FINISH DIGIMON 3. I KNOW. OKAY. I KNOW. Dreaming about it is only going to scare the crap outta me when I wake up.

If only finishing Digimon 3 was simple and clean -- but it's not. It's a long game. Of course it's a great game -- we all know that. Well..... If you don't Digimon 3, then you don't know that it's great!

What's the point of this post? Well, it's just a rant. A FLIPPING TABLE RANT! I have no idea what a table rant is, but I assume it's similar to what people call Small Talk.

Why is each "paragraph 1-2 lines? How the heck am I supposed to know? **I don't know, maybe because you're the flipping table writer**

What the heck is a flipping table writer? Does he or she flip tables as he or she writes? To be honest, that sounds pretty darn coolio!.

coolio! - The act of being cooler than Cooler from DBZ.

Why Doesn't This Post Make Any Sense?

I don't know, I just wanted to blog about Digimon 3. I know people want me to finish the game -- I want to finish my let's play of it too! :D So we're all in the same boat-ish. I don't boat with others, because I'm not a coolio! I am not allowed to boat with others until I become coolio! It's written in my contract.

What contract? Well.... it's not really a contract, I just made that up. I just wanted to be coolio! Don't judge me. :(

What's The Point of This Post?

There is no point... I guess I just wasted your time.

Watch My Let's Plays! :D

Digimon World 1
Digimon World 2
Digimon World 3
Digimon World DS
Digimon World Data Squad

Next Time on xHitoBlog-Z, xHitoBiteZ (that's me) Will Blog About Starbucks

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Microsoft's One Drive

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One Drive

I really enjoy using One Drive. I prefer one drive over Dropbox, Google Drive, and iCloud for a few reasons. If you have a Word, PowerPoint, or Excel document, you can edit them online using Word Online, PowerPoint Online, or Excel Online. Sure, people argue that you can use Google Docs, Slides, and Spreadsheet. News Flash: It's vastly inferior to MS Office.

Google Drive & One Drive

They offer the same core features -- yes. And yes -- Google Docs, Slides, and Spreadsheet are free while MS Office is a paid service.

Although -- as far as I know, Word Online, PowerPoint Online and Excel Online are all free -- since 5GB of One Drive is free. And yes, you can use Word Online, PowerPoint Online, and Excel Online with the free version of One Drive.

But, with Office 365 Personal, you get all of MS Office, and also 1TB of storage. That's $6.99 per month (Equivalent to $83.88 a year) or you could pay for the full year for $69.99. If you wanted 1TB for Google Drive, it's $9.99 per month ($119.88 a year). There is no discount for paying for the full year.

Yes, you could also buy Office Home & Student 2016 for $149.99, but that doesn't include the 1TB storage. If you are just interested in MS Office, then this is obviously the way to go -- assuming you are a student, of course.

More On Google Drive

In case you were curious, Google's services are locked to Google Drive. This isn't all that bad, if you always use Google Drive, but I don't use Google Drive all that much, so I can't use really use those services. Also, you don't need to buy the extra storage for Google. They offer 15GB free -- shared with GMAIL, DRIVE, PHOTOS. If you don't use cloud storage all that much, then 15GB is more than enough.. But for those of you who use programs like Docs, Slides, or Spreadsheets extremely often, it's likely you will want or need more than 15GB. -- If that's the case, it would be cheaper to go MS Office Personal.

My Story On Cloud Storage

Of course, you could go and use an external hard drive or USB flash drive, but for starters - cloud storage is convenient and you aren't forced to carry the external hard drive or flash drive. An external hard drive or flash drive adds extra weight. Whether it's 2 ounces or 2 pounds, that's still extra weight that not everyone wants to carry. Also, living near the Greater New York City area -- I've noticed how fast paced things are -- at least in the Greater New York area. People seem to never have enough time to do anything in the Great New York City area. Imagine having to present something today for a promotion -- or any reason, and when you arrive to work, you realize that you forgot your USB flash drive or external hard drive. THAT WOULD SUCK And I know there are going to be people who argue -- You should always make sure you have everything before you leave or house... Or something along those lines. But if you don't live in or near the Greater New York City area, you probably don't know how fast paced it is over here. Many people also work more than 40 hours a week -- which is the "normal" full-time work week. Fast pace + Long Hours = Sometimes Forgetting

Anyway - I've gone on a tangent... I LIKE ONE DRIVE! But you really can't go wrong with any cloud storage. It's mostly about preference. If you are an iOS user, chances are high you'll be using iCloud. I have used iCloud for a bit and personally don't like it. Yes, the free version offers the same amount of storage as One Drive -- which is 5GB -- iCloud doesn't have Word Online, PowerPoint Online, or Excel Online. Maybe it's because I've never really gotten into the iPhone. Although iPhone's are great, I started with android and never switched... Although, the latest iPhone iPhone SE has been pretty tempting!

Sign Up For One Drive -- 5GB For Free

This is a referral link, it gives me an additional 500MB if you sign up from it! :D
Sign Up For Free - One Drive
Of course, you don't have to sign up using my referral, but I'd greatly appreciate it!

Other Cloud Storage

No referrals here - Yes, I am including a non-referral One Drive link - if you want to use One Drive, but aren't comfortable using a referral link. (If you're cool with referrals then use that. :D)
Dropbox - 2GB Free
One Drive - 5GB Free
iCloud - 5GB Free
Google Drive - 15GB Free

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The Table of Awesome-Ness-

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The Hito Table

Some of you might be wondering what I meant when I said there will be changes. I made a table below - I know the table is pretty garbage, it's the best I can do. Please be kind. :(

The Garbage Table

Content	xHitoBlog	xHitoBiteZ	Frequency
Gaming	Yes	Yes	Whenever Possible
Financial Markets	Yes	Yes	Whenever Possible
The Pitch	No	Yes	Whenever Possible

Why Is Everything Whenever Possible?

If everything goes as planned, then I don't know how often I can create and upload videos. I am in the process of becoming The Silent Ninja. Nobody except me will understand what that means... but there is something I have been working on and it might come out by the end of 2016. The latest being Q1 2017. When it does come out, then everyone reading this post will have the opportunity to know what I mean by The Silent Ninja

I am doing many things (that I enjoy) that don't involve xHitoBiteZ or xHitoBlog. This is the main reason I don't want to put a number on the amount of videos I can make... But who knows, maybe one day I'll become abc.xyz
If you get that, then congrats. If not, fear not - it's not important.

Count Me In? I couldn't think of a header

If you have any questions, go shoot a question in the comments! Good thing this is a short table so I'll be able to answer your questions easily. The changes won't take place until Digimon Data Squad is complete. I might also fail to follow the schedule in the beginning because of my crappy memory.

Gaming

What does "Gaming" mean? Well, that's simple. I will post gaming content on both my YouTube Channel and my blog. Don't expect reviews or anything crazy -- that's not happening. The gaming content will likely stay the same. I'll play through new games, but I won't be doing reviews. I DON'T EVEN REVIEW BRUH

Financial Markets

Okay, okay. I get it. I might have a problem. I talk about the financial markets too much. Maybe they'll make a drink called The Brawl Icky Financial Market Drink - You gotta admit, that sounds pretty darn cool!

What Does The Pitch Mean?

Sorry, can't tell. You'll just have to wait. But I'll give everyone a teaser! PowerPoint and Premiere Pro had a baby.

That's not a teaser, I just wanted to add that line to this post, and it didn't fit anywhere else.

Where Is Digimon World 3?

Sigh... Why do people keep asking?
Maybe because it's a good game and I, xHitoBiteZ, haven't finished let's playing it.
okay.. okay.. I know people want me to finish my let's play of Digimon World 3. I plan on finishing it. Just enjoy my other Digimon Let's Plays until I get around to finishing Digimon World 3. If I had to guess, I,xHitoBiteZ, will probably start and finish a new Digimon game before I continue Digimon World 3.

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My Story - About MBTI

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The Start

I know a good bit about MBTI. I have spent most of summer 2015 reading books about psychology which lead me to MBTI. Myers-Briggs originally started with Carl Jung. He was a Swiss psychiatrist and was seen as one of the founding fathers of modern-day psychology. Carl Jung originally started with eight different cognitive functions. Four which were introverted functions and four which were extroverted functions. Each function had it's own purpose.
1)Show how we view the world
2)Show how we absorb information
3)Show how we make decisions

Katharine Briggs and Isabel Myers (Myers-Briggs came from the last name mother and daughter) published their first personality questionnaire in 1943. Katharine Briggs was originally inspired when she met her daughter's future husband, Clarence Myers. Katharine saw that Clarence was an eligible match for Isabel. However, she noticed that he viewed the world on a completely different level from the two of them. It was from that point on when Katharine started to do EXTENSIVE research until she found Carl Jung's Psychological Types.

Myers-Briggs made the process of understanding personality types a lot easier. The whole idea about MBTI was never to categorize people. It was to help us have a better understanding of the people around us and form deeper connections with them. Although MBTI failed in this sense because all it did was categorize them, I personally prefer this type of categorizing over categorizing people by calling them a Slow Learner or a Book Worm. Instead of insults, they're praises! The difference between the two is that MBTI was never a completed research and name calling does not need any factual evidence.

Although many argue that MBTI is just another stupid test with little to no truth behind it. It's obvious the complainers are just upset that their unique personalities can be categorized.

Another reason people do not like MBTI is because it doesn't explain the cognitive functions nor does it explain the shadow functions. Because there is not much information given about the cognitive functions and shadow functions from Myers-Briggs Type Indicator, people turn away from it. The Jungian personality type does explain the functions and also shadow functions.

** Carl Jung stated that everyone is both an introvert and an extrovert. However, each person prefers one over the other. A great example is how people write. People will almost always, if not always write with their dominant hand.

** Next, people will either absorb information via sensing or intuition. (Although everyone can absorb information with both, that's a bit advanced and I'd like to stick to the basics for now.)

** Finally, people will make judgments and decisions based on feeling or thinking. Yes, people can make decisions by listening to their emotions and also reasoning it out - That's a bit complex because each person has their own way to doing that. Also, on a general basis people will use their dominant or auxiliary function. (Meaning - whichever is more developed)

The Cognitive Functions

Now, each function has both an introverted side to it and an extroverted side to it. The eight functions are as follows:
Introverted Thinking & Extroverted Thinking
Introverted Feeling & Extroverted Feeling
Introverted Intuition & Extroverted Intuition
Introverted Sensing & Extroverted Sensing

Carl Jung explains that each person can be any type depending on a given situation. However, they will usually act like a certain type -- just like how someone writes with their dominant hand whenever possible. The introverted side is considered subjected while the extroverted side is considered objective. Although feeling and intuition technically cannot be objective. It's more about how you view the world. Do you view it with a subjective lenses (introversion) or do you view the world as is (extroversion).

Keep in mind that I am talking about each function in its core. Only a robot would be able to achieve each functions maximum potential.

Introverted Thinking (Ti) cares about making a logical system inside their head; the more developed the function is, the more advanced and amazing Ti becomes. The best way to explain introverted thinking is to think about how a car is made. Imagine taking every piece of the car out and just laying it on the floor, just like a blueprint. Now understanding where each piece of the car belongs and how each piece is used in order for the car to move is how introverted thinking works. Introverted thinking cares about understanding everything for knowledge or for the sake of understanding it. Ti users don't care about putting their newly acquired knowledge to accomplish something. Ti users enjoy learning for the satisfaction that learning provides.

Extroverted Thinking (Te) cares about putting everything into reality. Extroverted thinking cares less about understanding everything (although they might care about understanding everything depending on the situation) but more about trying things and seeing what works. Think of Te as a bulldozer. A bulldozer will crush everything in its way in order to achieve the end result. For a bulldozer, it's clearing the path. For a Te user it might be something as simple as learning how to cook a few delicious meals. Once the Te user learns how to make those few meals, they might continue learning other dishes assuming they want to become a chef or be satisfied with what they accomplished and make those same few meals for the rest of their lives. Yes, this might be a bit extreme, and in reality it probably won't work out this way, but I know of a few Te users that learned how to make 5-10 dishes and eat those same few meals 6 days a week. The last day of the week, Saturday they go out and eat whatever their heart desires. Heck, even I make the same few meals unless someone else in my house is cooking. I usually eat those same few meals everyday.

For those curious, my day usually consists of eggs with cheese (no bread or butter), chicken or fish (no rice), and beans with chopped green beans or spinach. I drink water, coffee, and tea. Soda too, but that's pretty uncommon.

Extroverted Feeling (Fe) is an emotional function. Fe cares about harmony. A great quote that I hear every time I read up about or ask about extroverted feeling is: "If everyone is happy then I am happy because everyone includes me." Fe users care about the needs of others before their own needs. Think of a nurse, a nurse cares about everyone else's needs before he/she has time to take a break and eat her lunch or take a sip of water. The situation could also be as simple say agreeing with someone so the two don't enter into an argument. Of course, sometimes a Te users might do the same, but generally it's easy to tell if the situation is based on Fe or Te.

Introverted Feeling (Fi) is about individualism. Introverted feeling cares about it's own feelings before the feelings of others. Fi cares about standing out, not for the sake of being different but because Fi wants to express itself. Introverted feeling is hard to explain, but think of meeting new people at a business meeting -- a Fi user will hide part of itself, because Fi users don't always feel comfortable expressing themselves to people they just met. Also, Fi users don't always care about status.

Introverted Intuition (Ni) is the rarest of all the functions. According to some studies and surveys it represents less than 10% of the human population. The only way to understand Introverted Intuition if you aren't a Ni user, is to think of introverted intuition as a Shaman or a third eye. Ni users ask a lot of what if questions that MIGHT not make any sense. BUT the Ni user might have a rational explanation for their strange questions.Ni users are also known for accurately predicting the future. Of course, no human can actually predict the future. A future predicted by someone who has fully developed Ni is going to be more accurate than any other type trying to predict the future. That's one of the reasons why Shamans were viewed so highly.

Extroverted Intuition (Ne) cares about ENDLESS possibilities. Ne users will question everything. From "why do we think the way we think" to "why do we walk on two legs instead of four legs." Some people believe Ne users ask stupid questions. Personally, I think they ask the best questions. Extroverted Intuition is also known to be the best at thinking outside of the box. Also, extroverted intuitive users have the hardest time focusing on one thing -- which makes sense because of the amount of questions they have. And after x amount of questions, they get ideas which leads to experimentation and so forth.

MBTI TABLE

The Intuitive Thinkers	The Intuitive Feelers	The Sentinels	The (Orb)Servationists
ENTJ	ENFJ	ESTJ	ESTP
ENTP	ENFP	ESFJ	ESFP
INTP	INFP	ISFJ	ISFP
INTJ	INFJ	ISTJ	ISTP

Comment your opinion on MBTI and Jungian Typology!

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Digimon World Data Squad

The Beginning

Digimon World Data Squad started way back in Feb 21, 2016. However, I started recording it back at the end of January. Yes, that means it took between 3-4 weeks before the first video was released to the public. (Man, typing that made me feel like I'm a super cool dude).

There were a few reasons it took so long. First, it takes longer to record and upload a video when you have a co-host. Second, this game has a ton of grinding so I wanted to record about half the game before publicly publishing anything on YouTube. And of course, the most important reason. Back in January I had some extra time to record and upload games and I knew that I would eventually get to a point where I would have a lot less time and potentially not have time to record and upload a video once a week.

Unfortunately, the unexpected decided to take its toll on me. And I didn't have $20 to pay the teller to cross the bridge -- I was stuck asking the teller to give me a free pass. It worked out eventually -- on April Fool's day?
(Don't ask me how I survived talking to the teller for 5 weeks without any food or water. Where did the 5 weeks come from? Episode 3 to 4 is about 5 weeks apart.)

Then the Hiatus

I started uploading once a week -- on Sundays. But that only worked with the first 3 videos. March 6, 2016 was when the third video came out. Then the Digimon World Data Squad Hiatus began. I'm sure many of my viewers thought that this would become a Digimon World 3. I had no plans on starting a hiatus on Digimon World Data Squad (which is also why I was only uploading this game once a week). Things just didn't go the way I expected and I was unable to record and upload any more Digimon.

I just wonder how many of my viewers lost faith in my Digimon World Data Squad LP. Hopefully, none, but if anyone did then they'll (hopefully) regain faith because Digimon World Data Squad is nearly complete! (Okay, that's a lie.. It's about halfway done -- Just like that one song??)

I am also aware of the fact that Digimon World 3 is still on a hiatus. I plan to complete that game eventually. I don't know when, but I have not given up on Digimon World 3. From time to time I think about when I will bring it back. (When I do indeed bring it back, I WILL COMPLETE IT!)

But Fear Not!

On April 14, 2016 the fourth episode of Digimon World Data Squad and since then I have been releasing a video every Thursday. (Okay... Only 2 videos but that's progress..)

Uploading once a week isn't all that great.. BUT this LP isn't all that long. It'll be over in a blink of an eye. :D (No, not really, but it's not a long LP)

What Next?

xHitoBiteZ & xHitoBlog

xHitoBiteZ and xHitoBlog will likely see some changes after the completion of Digimon World Data Squad. You may have already noticed some changes, but slowly there will be changes. Since xHitoBlog doesn't have much content it won't seem like a shift, but xHitoBiteZ has a lot of (one particular type of) content on it and the change will be noticeable. 

Check Out Digimon World Data Squad

Digimon World Data Squad (YouTube Playlist)

Let know know if you are enjoying the let's play (or have enjoyed the let's play if you are reading this after the game is completed)

Don't forget to vote on your favorite Digimon game. Who knows, maybe I'll let's play it. ;)
After the completion of the LP, I will close this Google Form.

VOTE NOW!
Vote For Your Favorite Digimon Game 

Qualified Dividends Vs. Non-Qualified Dividends

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If you own stock, you might have noticed in your 1099 report that there are qualified dividends and non-qualified dividends. You might have asked your accountant what that means or you might have done a Google search and found some basic information.

The short version

* Qualified dividends are taxed at a favorable rate which is between 0% - 20%
(From the irs.gov website).

* Non-qualified dividends are taxed at your ordinary income level.
Ordinary income on the federal level is between 10% - 39.6%.

Qualified Dividends

Qualified dividends are taxed on three levels. 0% -- for tax payers in 10 or 15%, 15% -- for tax payers above 15% but below 39.6%, and 20% -- for tax payers in the highest tax bracket - 39.6%.

To qualify for this:

1) The dividend must have been paid by a U.S. corporation or some qualified foreign corporations (there are some exceptions)

2) Dividend not paid by Real-Estate Investment Trusts, Master Limited Partnerships, dividends paid on Employee Stock Options, dividends paid by tax-exempt companies, and dividends paid on savings or money market accounts.

3) Investor meets the holding period.

Holding Period - When an investor purchases a stock for it's dividend, there is a holding period to receive a lower tax rate. There is a 121-day period. The investor has to hold the stock for 61 days of the 121-day period. The 121-day period begins 60 days before the ex-dividend date.

EXCEPTIONS - There are some exceptions. However, generally speaking, investors can't purchase these types of stock. Yes, that's right. Preferred Stock! Preferred stocks are generally only offered to financial institutions.

Ex-Dividend - The company announces when it plans to pay a dividend. They also announce the last day investors are entitled to the dividend.

Example - Company X Declares a dividend on March 3, 2016. They announce the Payable Date is June 1, 2016 and the Ex-Dividend Date is May 4, 2016.  That means that the last day you can purchase the stock to be entitled to the dividend is May 3, 2016. 1 day before the Ex-Dividend Date.

Non-Qualified Dividends

* Taxed at ordinary income. 10% - 39.6% -- Subject to change if taxes increase or decrease in the future.

* Dividend paid by: 

1) Real-Estate Investment Trusts (REITs)

2) Master Limited Partnerships (MLPs)

3) Dividends paid on employee stock options

4) Dividends paid by tax-exempt companies

5) Dividends paid on savings

6) Dividends paid on money market accounts

* Foreign corporations may pay qualified or non-qualified dividends. If foreign corporation IS NOT incorporated in a possession of the United States - non-qualified (There may be exceptions, I've personally never owned a foreign companies stock that pays a dividend but I do know that if the foreign company doesn't have any tax agreement with the IRS and Treasury Department, then it's considered non-qualified).  

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Clipsvh & I Played Hisoutensoku (Touhou 12.3)

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So, the other day, Clipsvh2 and I decided to play some of 'em fighters. It's pretty fun playing 'em fighters with him.

Originally, I wasn't going to post this battle. However, while I was editing I realized he called me by our friends name.

When I realized that I couldn't stop laughing and that lowered my resistance by 80%. With only 20% resistance I obviously failed in preventing myself from posting this battle. Now it will forever be on the interwebs! (Specifically on YouTube) --

Watch my battle against Clipsvh2!
Sakuya Vs. Utsuho
https://www.youtube.com/FailHisoutensokuBattle

You can also check out a quick battle while we talk about the limited supply of figurines and sneakers.
Utsuho Vs. Patchouli
https://www.youtube.com/HisoutensokuBattle


I don't know that much about Touhou, but Clipsvh2 does!
You can also Google it and find a good chunk of information.

- Until next time -- Keep on fishing

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Price of Oil

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Oil has been riding the bounciest roller coaster since May 2015. Now, I don't know if this roller coaster is going to continue, but I believe we haven't seen the end of it -- just yet. However, I do not believe that we'll be seeing $25/barrel anytime in the near future. Recently, it's been hovering around $35-$40/barrel.

I will say -- I do miss $1.25/gal at the gas station. But oil stabilizing is also a great sign for the global economy.

If you guys haven't heard, since January (of this year) the U.S. now has enough oil where it can start exporting it. So, when oil starts rising, America might enter a period where its exports are more than its imports!

Did you imagine that would ever happen? Since the 1970s, America has been importing more than it's been exporting.

I would like to see the U.S. export more than it import before I die -- and I believe it will happen when the the price of oil hits $100/barrel again.

- Until next time -- Keep on fishing
I would love to read your responses on oil. 

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