Dec 262013
 

Earlier this year I explained how to profit from the growing world of smartphone and tablet devices by using the mobile trinity strategy 😀 I didn’t have enough money at the time to complete the trinity and only had 2 out of 3 parts. Well I finally saved enough and earlier this week I bought 30 shares of Qualcomm Inc.

Qualcomm designs and manufactures chipsets and other technologies that go into mobile gadgets. With a market capitalization of ~$125 billion, it’s worth more than ARM, NVIDIA, and AMD combined. Qualcomm is about the size of Intel Corporation, which I also own shares in 🙂 The reason QCOM is so successful is because its technology is pretty much ubiquitous in all our cell phones. Its entire business is getting the licensing fees (like royalties) on pretty much every smart phone we use.

“We believe Qualcomm will pick up significant smartphone share on multiple platforms into 2Q/June. There have been numerous reports that Qualcomm could supply up to 70 percent of the Galaxy S4s, supplying to both US and European S4 models versus only US on the prior S3 platform.” ~Rakesh in a statement to ZDNet in April 2013

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Last week Apple announced that it has just partnered with China Mobile to bring the iPhone to the carrier’s 4G and 3G networks starting in January 17, 2014. This is a huge deal 🙂 T-Mobile, Verizon, and AT&T only have about 100 million to 130 million total subscribers each. But China Mobile, the largest mobile network operator in the world, has about 750 million subscribers! So even a small percentage of that market could be very lucrative for Apple 🙂

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Although iPhones use one of Apple’s own chipsets, they still use Qualcomm’s RF transceiver, baseband processor, and power management chips. So this new agreement Apple made is good for QCOM shareholders too 🙂 There is also speculation that Apple may use more of QCOM’s technology in future generations of their more affordable devices like the iPhone 5c, which is meant to target the medium price range of the smart phone market. This is because QCOM’s chips have the ability to integrate Bluetooth and Wi-Fi directly into the main chip which would save Apple money.

“Smart phone growth is projected to be 16% annually through the end of the decade. (Qualcomm’s) LTE chip has about 97% market share, so they are in good shape. Have gone from being the 8th or 9th chipset producer a few years ago and are now number 3. It tends not to get the credit that it should. Trading at about 15X next years earnings. Its growth is not only fairly robust, but is quite predictable.”  ~Gordon Reid , GoodReid Investment Counsel

QCOM allows us to invest in the growing cell phone market (mostly driven by Asia) without actually having to pick a leader 😀 Pretty good deal I think 😉 Now that my trinity is complete, I can just sit back and enjoy my profits as all 3 companies have incredible cash flow. How do you plan to take advantage of the fast growing mobile market in the future?

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I also bought 40 Comcast shares on the same day I bought QCOM. Both were purchased in my RRSP using TD Web Broker. If you live in the U.S. Motif is a great platform for trading stocks.  Comcast Corporation (CMCSK/CMCSA) is the largest mass media and communications company in the world by revenue. It owns NBC, Universal Studios Inc, and also provides cable and internet to tens of millions of Americans. It’s Comcastic 😆 Investing is so much fun because you get to learn how all sorts of businesses operate 🙂

Feb 082012
 

Isn’t it frustrating to call up a bank, or insurance, or hydro, or internet, or any other service and be put on hold for 15 min or more before actually speaking to someone? *sigh* (-_-‘) Well as it turns out there’s a really easy way to bypass the long wait times >^_^<. If you are lucky enough to be living in Canada, you probably already know that we have 2 official languages in this country; English, and French (p_-)

Large corporations and all government services must provide services in both languages. This gives consumers more options when dealing with these private companies and government agencies. So the next time you call Shaw/Telus/Rogers/or Bell to change your plan or make a complaint, just press the number to talk to a french representative. *Most people choose the English option which is why the English phone lines are always packed and you have to wait a long time before getting through to someone. In contrast, less customers use the french option, so that line is not as busy, and is often left open, just waiting for someone to call in.

cat on a phone

image source: funny-pictures-blog.com

Don’t worry if you can’t speak le Francais. Chances are that everyone in the call center, including the representatives on the French lines, can all speak English fluently and will be happy to assist you the best way they can. In fact, I wouldn’t be surprised if some employees work shifts for both English, and French phone lines. They were all trained to have same technical knowledge so there’s no reason they can’t answer your questions either. And you don’t have to feel bad about bypassing the lineup. Companies have to hire french speaking reps anyway, whom are usually paid by the hour whether people call in or not, so as a loyal customer, you might as well use what you helped to pay for. It also takes the load off the English language representatives who are usually swamped answering call after call…(>_<). You will also be cutting down the wait times for future callers by not becoming an additional number in the long English language queue. So everyone’s a winner, and the country is running more efficiently all thanks to you (=^・^=)

Most people – In most parts of the country, especially where I live (Western Canada) hardly anybody speaks french in public. But in other provinces, especially Quebec, more french is spoken than English, so depending on where you live, your mileage may vary. If you happen to have another phone near by, try calling both language lines and just use whichever one gets through first (^_^)

And lastly, the only reason this loophole exists is because not a lot of people know about it. So lets try to keep it that way and make this our little secret (^_~)

Dec 282011
 

Hope everyone had a good Christmas. I went to the local consumer electronics store (Futureshop) on boxing day and it was packed. I feel bad for the minority who are facing financial difficulties now, but one look at our shopping malls, restaurants, road congestion and it’s hard to find any signs that our economy is slowing down…

There are so many cars on the streets this holiday season. We have a law in this part of Canada that issues a $167 ticket to anyone talking or texting on their phones while driving. But hands free blue tooth is okay because you’re not looking at your phone.  According to the police, 48% of fatal car accidents last year involved distracted drivers. So this is really a moral issue, which will save hundreds of lives each year.
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I think this law is a great idea for any State/Province or municipality looking to make some extra money. Imagine how much more in taxes we would all have to pay if the government didn’t have other ways of raising money like using these traffic ticket fines. On a per person bases, BC already issues more than twice at many of these tickets as Ontario. Other provinces should follow us. I’m all for issuing fines if it means saving lives and money.  I’m surprised at how many drivers I see today still holding phones to their ears. If people must use phones while driving, they can buy a cheap head set for talking, or use Siri, if they have her, to send text messages. Driving at 60 km/hr (37 miles/hr) a driver who takes their eyes off the road for just 3 seconds drives the width of a football field, “so even a brief glance at a text message or dialing a cell phone can cause serious injury or death.” ~Solicitor General R. Coleman.

75% of drivers polled in this province, believe that talking or texting on a mobile phone behind the wheel is as dangerous as drunk driving. And most of them support this cellphone/driving law. Some even want the fine to be higher. What’s interesting is 53% said they witnessed others breaking this law “several times a day.” But only 16% admitted to breaking the law themselves in the last year. Hmm, I wonder…