Margie Nemcick-Cruz

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  • Why Apple Will Continue to Fall

    By Margie Nemcick-Cruz - July 19, 2013 | Tickers: AAPL, BBRY, GOOG, MSFT

    Last time, I discussed the bullish case for Apple (NASDAQ: AAPL). But as an investor, I feel it's important to look at the flip side of the coin. Here are the reasons Apple will might be continuing its steep downward descent. 

    1. Competition is now intense.

    2. Outsized margins must come down

    3. Cell phone products are nearing a plateau.

    4. Few gaping holes are left in the consumer more »

  • The Bullish Case for Apple

    By Margie Nemcick-Cruz - July 12, 2013 | Tickers: AAPL, GOOG, P

    Apple’s (NASDAQ: AAPL) shares have been mired in a downfall, falling from a high of $705 to barely piercing the $400 mark again. The question many investors are asking: is Apple a buy?

    Valuation

    Currently valued at 10 times earnings, the stock appears cheap. It looks even better when you back out the $145 per share it has in cash, giving it a valuation for current operations of 6 more »

  • Apple Needs to Lose or Open iTunes

    By Margie Nemcick-Cruz - July 11, 2013 | Tickers: AAPL, GOOG, P

    When iTunes began, its function was to make money for Apple (NASDAQ: AAPL) by promoting the sale of iPods. That fortuitous investment also gave consumers entry into the world of Apple, familiarizing them with the software and generating tremendous momentum when introducing the iPhone.

    Interestingly enough, originally Steve Jobs wanted to keep iTunes exclusive to Apple products, a move that would have cost the company dearly in its expansion of more »

  • New Girl A Feather in Netflix's Cap

    By Margie Nemcick-Cruz - July 9, 2013 | Tickers: CMCSK, NFLX, NWSA, DIS

    Hulu just took a beating, due to a nice chess move by Netflix (NASDAQ: NFLX).

    Originally banded together by 20th Century Fox/ News Corp (NASDAQ: NWSA), Disney (NYSE: DIS), and Comcast (NASDAQ: CMCSK), the owner of NBC Universal Television Group, Hulu was designed to take on Netflix in the streaming market. It was intended to use the greatest piece of leverage the studios had: ownership rights to the content.

    Netflix more »

  • Is the Shine Coming off Apple's Halo?

    By Margie Nemcick-Cruz - July 3, 2013 | Tickers: AAPL, GOOG, MSFT

    For years, Apple (NASDAQ: AAPL) has been synonymous with the world’s best tech products. In introducing new revolutionary devices with that “touch of Apple,” the company became the envy of every other corporation on Earth, and garnered itself a cult of die-hard fans, as well as accompanying profits.

    The company markets itself as the ultimate creator of gadgets that enhance life, creating commercials to solidify and entrench this in more »

  • Pandora's Moat Not Nearly as Strong as Analysts Believe

    By Margie Nemcick-Cruz - June 17, 2013 | Tickers: AAPL, EBAY, FB, P

    After Apple (NASDAQ: AAPL) announced iTunes Radio last week, I watched a panel of experts on Bloomberg discuss its effect on Pandora (NYSE: P), as Pandora's stock was actually up following the announcement. When asked whether Pandora would be negatively impacted by Apple's move, an analyst equated Apple going after Pandora's market to the following, "It reminds me of Yahoo and Amazon going after eBay (NASDAQ: EBAYmore »)

  • Apple SIRIously Upended By Google Now

    By Margie Nemcick-Cruz - May 30, 2013 | Tickers: AAPL, GOOG, YELP

    Google’s (NASDAQ: GOOG) talent has upended Apple (NASDAQ: AAPL). In 2011, Siri was introduced with much fanfare, dubbed the first A/I with personality, and was a momentary cult hit with the public and fanboys alike. Eric Jackson penned a column for Forbes on October 28, 2011, stating that Apple’s Siri would be “a Google killer.”

    According to Jackson, there were five reasons Siri posed a Sirious (intentional more »

  • Why Chrome WIll Crack Windows

    By Margie Nemcick-Cruz - May 22, 2013 | Tickers: GOOG, MSFT

    Titans Google (NASDAQ: GOOG) and Microsoft (NASDAQ: MSFT)go head to head every day, with Mr. Softy still banging its head against the wall with their multi-billion dollar a year losing search engine, Bing. Part of Microsoft’s strategy was to keep the pressure on Google, with search for example, in an effort to keep Google off their turf.

    The results- Google continues to gain share; in everything. From search more »

  • Online Poker Now Legal: Who Wins?

    By Margie Nemcick-Cruz - May 9, 2013 | Tickers: BYD, FB, MGM

    The first legal online poker room has opened in the United States, and this is excellent news for casinos, but perhaps the biggest winner in all this will be Facebook (NASDAQ: FB).

    According to the above CNBC article, Station Casinos recently went live with UltimatePoker.com. “UlimatePoker.com will operate under a 30-day license, said A.G. Burnett, chairman of the Nevada Gaming Control Board, while the site works out more »

  • Deteriorating Morale and Stock Price at Hewlett-Packard

    By Margie Nemcick-Cruz - May 8, 2013 | Tickers: GOOG, HPQ, WYNN

    I recently discussed how Google (NASDAQ: GOOG) and Wynn Resorts (NASDAQ: WYNN) excel in employee satisfaction. Today, I wish to discuss a company that at one time was lauded for their treatment of employees, but where today employee morale has deteriorated badly, and along with it, its share price.

    The HP way  

    When the company's founders were at the helm, employees were treated very well, and morale was high more »

  • Why Employee Morale Is Important for Long-Term Gains

    By Margie Nemcick-Cruz - April 30, 2013 | Tickers: GOOG, WYNN

    Shareholders often applaud corporations' "cost control" measures by driving share prices higher. But while such plans may benefit the bottom line in the short term, the long-term is generally a different story. Over two columns, I'll be comparing three companies, how they treat their employees, and how that might affect their performance as both businesses and stocks. Today, we are going to look at shining examples of corporations and more »

  • Even if Google Fiber Loses Money- It's Brilliant

    By Margie Nemcick-Cruz - April 30, 2013 | Tickers: GOOG, MSFT, TWC, VZ

    Google (NASDAQ: GOOG) has been busy installing fiber-optic lines aimed to supply gigabit speed to Kansas City, MO internet users. Next up are installations in Austin, Texas, and Provo, Utah.

    Google will deliver 5 mb of service for free, and 1 gigabyte speeds for $70 a month. I have heard many Google shareholders complain that this has little to do with Google’s business plan, that it will take forever more »

  • iRobot's Earnings Beat Shows Bright Future

    By Margie Nemcick-Cruz - April 30, 2013 | Tickers: GOOG, IRBT, NOC

    When the Boston bombings took place, one local company was there to lend a hand in resolving the situation and protecting the public. It was recently featured on the Bloomberg network discussing the use of IRobot’s Packbot in helping apprehend the Boston bombers. For those of you unfamiliar with the robot, “The PackBot is a remote-controlled tactical mobile robot with the capability of detecting and disposing of certain more »

  • When, Exactly, Will Apple Be Cheap Enough?

    By Margie Nemcick-Cruz - April 23, 2013 | Tickers: AAPL, BRK-B, BRK-A, GOOG

    Warren Buffett of Berkshire Hathaway (NYSE: BRK-B) (NYSE: BRK-A) says we should cheer when stocks go down, that it represents an opportunity to buy assets that in the long run will increase in value. But when stocks start to go down, most investors panic and get fearful. This has certainly been the case with Apple (NASDAQ: AAPL). As the company's shares decline, columns and opinions making the case against more »

  • Microsoft's Windows Showing Signs of Breaking

    By Margie Nemcick-Cruz - April 22, 2013 | Tickers: AAPL, GOOG, INTC, MSFT

    Long the ubiquitous operating system of the world, an OS children in every country grew up learning, Windows is showing signs of stagnation. What does the future hold for this computing titan?

    First, The Good News

    After the closing bell on April 18, Microsoft (NASDAQ: MSFT) reported earnings that handily beat estimates, sending shares up in after-hours trading.

    According to an AP report: “The software company's net income was more »

  • The Bond Bubble Will Explode

    By Margie Nemcick-Cruz - April 18, 2013 | Tickers: BRK-B, BRK-A, TBF, TBT

    Conservative investors often seek safety by putting their money into U.S. Treasuries. But that move might be the equivalent of financial suicide. Here's why.

    The Simple Argument

    To quote Berkshire Hathaway’s (NYSE: BRK-B) (NYSE: BRK-A) Warren Buffett, “Investing is forgoing consumption now in order to have the ability to consume more at a later date.”

    Now, a 1.75% 10 year bond might seem risk-free. Its yield more »

  • The Bond Bubble Will Explode

    By Margie Nemcick-Cruz - April 16, 2013 | Tickers: BRK-B, BRK-A

    I hear conservative investors all the time, “I want my money safe, I’m putting it into US treasuries.” To me, this is the equivalent of committing financial suicide. Now let me explain why.

    The Simple Argument

    I’m going to make a simple case and then back it up. Quoting Berkshire Hathaway’s (NYSE: BRK-B) (NYSE: BRK-A) Warren Buffett “investing is forgoing consumption now in order to have the more »

  • Why Microsoft Can't Count on This Surprising Revenue Stream

    By Margie Nemcick-Cruz - April 16, 2013 | Tickers: AAPL, GOOG, MSFT

    For those of you who say Microsoft (NASDAQ: MSFT) has had zero success in mobile, well, you haven’t been following very closely. Microsoft makes more money off mobile handset sales than Google (NASDAQ: GOOG) does. In fact, every time someone purchases a Samsung Galaxy, or a HTC smartphone, Mr. Softy's coffers get a little more cash.

    The Patent Troll Collects His Tax

    With every Android phone sale, Microsoft more »

  • Microsoft’s Mobile Patent Royalties Will Decline

    By Margie Nemcick-Cruz - April 16, 2013 | Tickers: AAPL, GOOG, MSFT

    For those of you who say Microsoft (NASDAQ: MSFT) has had zero success in mobile, well, you haven’t been following very closely. Microsoft makes more money off of mobile handset sales than does Google (NASDAQ: GOOG) The success I speak of is the fact that every time someone purchases a Samsung Galaxy, or a HTC, Softy shareholders put a little cash in their pockets.

    Patent Troll Collects His Tax more »

  • Microsoft's Moats Rapidly Being Eroded

    By Margie Nemcick-Cruz - April 15, 2013 | Tickers: AAPL, GOOG, HPQ, MSFT

    Microsoft (NASDAQ: MSFT) investors yell all the time about how the stock price has done nothing in the last 12 years, and generally put the blame squarely on the shoulders of CEO Steve Ballmer. That may be an absolutely unfair accusation, but Microsoft is nonetheless in the most precarious position it has been since the company began. 

    Don't Blame Ballmer

    Under Ballmer, earnings have steadily risen. The company has more »

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