> According to Todd Sullivan, whom is very trustworthy.

> Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> going to be charges like this quarter.

> On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> - Show quoted text -

> Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> going to be charges like this quarter.

> On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> - Show quoted text -

> This is copied text from a tweet.

> ToddSullivan November 3, 12:44 pm#
> Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> them

> On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > going to be charges like this quarter.

> > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> I'm searching and can't find any documentation on why the upgrade was
> given. Not that it matters, I bought because of the Goldman upgrade,
> but I'll keep looking.

> On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > This is copied text from a tweet.

> > ToddSullivan November 3, 12:44 pm#
> > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > them

> > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > going to be charges like this quarter.

> > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> Here is the link to the upgrade.  Hopefully this does the trick,
> hopefully ETFC can up towards to $2.00.

> http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > I'm searching and can't find any documentation on why the upgrade was
> > given. Not that it matters, I bought because of the Goldman upgrade,
> > but I'll keep looking.

> > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > This is copied text from a tweet.

> > > ToddSullivan November 3, 12:44 pm#
> > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > them

> > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > going to be charges like this quarter.

> > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > - Show quoted text -- Hide quoted text -

> > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -

> If Etrade wanted to fudge the numbers and show a profit they could
> easily do that this quarter. 250 mil is about the break even point in
> terms of loan loss provisions. Charge offs are only 350 mil and they
> are declining. They have 1.2 Billion in total loan loss reserves
> already. Meaning if they wanna fudge the numbers and only post 250 mil
> in loan loss reserves to make it look like they're breaking even,
> they're only taking 100 mil hit to their safety net. They could do
> that 12 straight quarters before blowing through all of their
> reserves. For those keeping track at home 12*350 = 4.2 Billion in
> charge offs they could have over 3 years without making a loss in a
> single quarter. So yeah, etrade is going to be profitable very soon.
> Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> of course the world doesn't blow up again.

> On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > Here is the link to the upgrade.  Hopefully this does the trick,
> > hopefully ETFC can up towards to $2.00.

> >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > I'm searching and can't find any documentation on why the upgrade was
> > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > but I'll keep looking.

> > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > This is copied text from a tweet.

> > > > ToddSullivan November 3, 12:44 pm#
> > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > them

> > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > going to be charges like this quarter.

> > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > - Show quoted text -- Hide quoted text -

> > > > - Show quoted text -- Hide quoted text -

> > > - Show quoted text -

> If Etrade wanted to fudge the numbers and show a profit they could
> easily do that this quarter. 250 mil is about the break even point in
> terms of loan loss provisions. Charge offs are only 350 mil and they
> are declining. They have 1.2 Billion in total loan loss reserves
> already. Meaning if they wanna fudge the numbers and only post 250 mil
> in loan loss reserves to make it look like they're breaking even,
> they're only taking 100 mil hit to their safety net. They could do
> that 12 straight quarters before blowing through all of their
> reserves. For those keeping track at home 12*350 = 4.2 Billion in
> charge offs they could have over 3 years without making a loss in a
> single quarter. So yeah, etrade is going to be profitable very soon.
> Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> of course the world doesn't blow up again.

> On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > Here is the link to the upgrade.  Hopefully this does the trick,
> > hopefully ETFC can up towards to $2.00.

> >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > I'm searching and can't find any documentation on why the upgrade was
> > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > but I'll keep looking.

> > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > This is copied text from a tweet.

> > > > ToddSullivan November 3, 12:44 pm#
> > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > them

> > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > going to be charges like this quarter.

> > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > - Show quoted text -- Hide quoted text -

> > > > - Show quoted text -- Hide quoted text -

> > > - Show quoted text -

> There are many ways they could highlight upside DRYSHIPS - that's
> what's soooo annoying.  I'm not in the camp that DL will want to go
> out on a high note-kinda thing. But that is a possibility (just seems
> so damn obvious).  Something has to give ETFC another push.  I was
> reading S&Ps report on them and they are using "stabilizing" language
> (not going to quote directly - my point is the analysts are starting
> to see more stability in the company, despite long plaguing
> liabilities).  I definitely believe they will attract more attention
> Q1&2 2010.

> On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > If Etrade wanted to fudge the numbers and show a profit they could
> > easily do that this quarter. 250 mil is about the break even point in
> > terms of loan loss provisions. Charge offs are only 350 mil and they
> > are declining. They have 1.2 Billion in total loan loss reserves
> > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > in loan loss reserves to make it look like they're breaking even,
> > they're only taking 100 mil hit to their safety net. They could do
> > that 12 straight quarters before blowing through all of their
> > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > charge offs they could have over 3 years without making a loss in a
> > single quarter. So yeah, etrade is going to be profitable very soon.
> > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > of course the world doesn't blow up again.

> > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > hopefully ETFC can up towards to $2.00.

> > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > I'm searching and can't find any documentation on why the upgrade was
> > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > but I'll keep looking.

> > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > This is copied text from a tweet.

> > > > > ToddSullivan November 3, 12:44 pm#
> > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > them

> > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > going to be charges like this quarter.

> > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > > - Show quoted text -- Hide quoted text -

> > > > > - Show quoted text -- Hide quoted text -

> > > > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> I'm considering creating a graph showing the history of loan loss
> provisions, charge offs, total loans outstanding and total provisions
> since the end of 2007, and projections out to 2012. It'll make a great
> illustration of the impending dramatic drop off in loan loss
> provisioning that is coming soon. I think theres enough data out there
> now to make accurate predictions.

> On Nov 4, 10:46 am, capn <l...@hotmail.com> wrote:

> > There are many ways they could highlight upside DRYSHIPS - that's
> > what's soooo annoying.  I'm not in the camp that DL will want to go
> > out on a high note-kinda thing. But that is a possibility (just seems
> > so damn obvious).  Something has to give ETFC another push.  I was
> > reading S&Ps report on them and they are using "stabilizing" language
> > (not going to quote directly - my point is the analysts are starting
> > to see more stability in the company, despite long plaguing
> > liabilities).  I definitely believe they will attract more attention
> > Q1&2 2010.

> > On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > If Etrade wanted to fudge the numbers and show a profit they could
> > > easily do that this quarter. 250 mil is about the break even point in
> > > terms of loan loss provisions. Charge offs are only 350 mil and they
> > > are declining. They have 1.2 Billion in total loan loss reserves
> > > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > > in loan loss reserves to make it look like they're breaking even,
> > > they're only taking 100 mil hit to their safety net. They could do
> > > that 12 straight quarters before blowing through all of their
> > > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > > charge offs they could have over 3 years without making a loss in a
> > > single quarter. So yeah, etrade is going to be profitable very soon.
> > > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > > of course the world doesn't blow up again.

> > > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > > hopefully ETFC can up towards to $2.00.

> > > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > I'm searching and can't find any documentation on why the upgrade was
> > > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > > but I'll keep looking.

> > > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > This is copied text from a tweet.

> > > > > > ToddSullivan November 3, 12:44 pm#
> > > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > > them

> > > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > > going to be charges like this quarter.

> > > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > - Show quoted text -- Hide quoted text -

> > > > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -

> I'm considering creating a graph showing the history of loan loss
> provisions, charge offs, total loans outstanding and total provisions
> since the end of 2007, and projections out to 2012. It'll make a great
> illustration of the impending dramatic drop off in loan loss
> provisioning that is coming soon. I think theres enough data out there
> now to make accurate predictions.

> On Nov 4, 10:46 am, capn <l...@hotmail.com> wrote:

> > There are many ways they could highlight upside DRYSHIPS - that's
> > what's soooo annoying.  I'm not in the camp that DL will want to go
> > out on a high note-kinda thing. But that is a possibility (just seems
> > so damn obvious).  Something has to give ETFC another push.  I was
> > reading S&Ps report on them and they are using "stabilizing" language
> > (not going to quote directly - my point is the analysts are starting
> > to see more stability in the company, despite long plaguing
> > liabilities).  I definitely believe they will attract more attention
> > Q1&2 2010.

> > On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > If Etrade wanted to fudge the numbers and show a profit they could
> > > easily do that this quarter. 250 mil is about the break even point in
> > > terms of loan loss provisions. Charge offs are only 350 mil and they
> > > are declining. They have 1.2 Billion in total loan loss reserves
> > > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > > in loan loss reserves to make it look like they're breaking even,
> > > they're only taking 100 mil hit to their safety net. They could do
> > > that 12 straight quarters before blowing through all of their
> > > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > > charge offs they could have over 3 years without making a loss in a
> > > single quarter. So yeah, etrade is going to be profitable very soon.
> > > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > > of course the world doesn't blow up again.

> > > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > > hopefully ETFC can up towards to $2.00.

> > > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > I'm searching and can't find any documentation on why the upgrade was
> > > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > > but I'll keep looking.

> > > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > This is copied text from a tweet.

> > > > > > ToddSullivan November 3, 12:44 pm#
> > > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > > them

> > > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > > going to be charges like this quarter.

> > > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > - Show quoted text -- Hide quoted text -

> > > > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> Please make the graph and cite your sources for the data.  No need to
> project any numbers, just let people decide for themselves.

> On Nov 4, 8:05 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > I'm considering creating a graph showing the history of loan loss
> > provisions, charge offs, total loans outstanding and total provisions
> > since the end of 2007, and projections out to 2012. It'll make a great
> > illustration of the impending dramatic drop off in loan loss
> > provisioning that is coming soon. I think theres enough data out there
> > now to make accurate predictions.

> > On Nov 4, 10:46 am, capn <l...@hotmail.com> wrote:

> > > There are many ways they could highlight upside DRYSHIPS - that's
> > > what's soooo annoying.  I'm not in the camp that DL will want to go
> > > out on a high note-kinda thing. But that is a possibility (just seems
> > > so damn obvious).  Something has to give ETFC another push.  I was
> > > reading S&Ps report on them and they are using "stabilizing" language
> > > (not going to quote directly - my point is the analysts are starting
> > > to see more stability in the company, despite long plaguing
> > > liabilities).  I definitely believe they will attract more attention
> > > Q1&2 2010.

> > > On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > > If Etrade wanted to fudge the numbers and show a profit they could
> > > > easily do that this quarter. 250 mil is about the break even point in
> > > > terms of loan loss provisions. Charge offs are only 350 mil and they
> > > > are declining. They have 1.2 Billion in total loan loss reserves
> > > > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > > > in loan loss reserves to make it look like they're breaking even,
> > > > they're only taking 100 mil hit to their safety net. They could do
> > > > that 12 straight quarters before blowing through all of their
> > > > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > > > charge offs they could have over 3 years without making a loss in a
> > > > single quarter. So yeah, etrade is going to be profitable very soon.
> > > > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > > > of course the world doesn't blow up again.

> > > > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > > > hopefully ETFC can up towards to $2.00.

> > > > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > I'm searching and can't find any documentation on why the upgrade was
> > > > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > > > but I'll keep looking.

> > > > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > This is copied text from a tweet.

> > > > > > > ToddSullivan November 3, 12:44 pm#
> > > > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > > > them

> > > > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > > > going to be charges like this quarter.

> > > > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > - Show quoted text -- Hide quoted text -

> > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> Lol, the exercise is meaningless unless I use it to make projections.
> I'd be very happy to hear feed back on the assumptions I will be
> making in the determination of those projections. Obviously I can't
> hope to be 100% accurate and there will be a very good chance I make a
> mistake in one or more of my variable inputs. Overall I hope it to be
> a good mental exercise for myself and maybe get some good feed back
> from you guys to see what I'm missing. We'll see how it goes, maybe
> I'll get it done this weekend.

> On Nov 4, 11:34 am, Thomas Chen <tkc...@gmail.com> wrote:

> > Please make the graph and cite your sources for the data.  No need to
> > project any numbers, just let people decide for themselves.

> > On Nov 4, 8:05 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > I'm considering creating a graph showing the history of loan loss
> > > provisions, charge offs, total loans outstanding and total provisions
> > > since the end of 2007, and projections out to 2012. It'll make a great
> > > illustration of the impending dramatic drop off in loan loss
> > > provisioning that is coming soon. I think theres enough data out there
> > > now to make accurate predictions.

> > > On Nov 4, 10:46 am, capn <l...@hotmail.com> wrote:

> > > > There are many ways they could highlight upside DRYSHIPS - that's
> > > > what's soooo annoying.  I'm not in the camp that DL will want to go
> > > > out on a high note-kinda thing. But that is a possibility (just seems
> > > > so damn obvious).  Something has to give ETFC another push.  I was
> > > > reading S&Ps report on them and they are using "stabilizing" language
> > > > (not going to quote directly - my point is the analysts are starting
> > > > to see more stability in the company, despite long plaguing
> > > > liabilities).  I definitely believe they will attract more attention
> > > > Q1&2 2010.

> > > > On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > > > If Etrade wanted to fudge the numbers and show a profit they could
> > > > > easily do that this quarter. 250 mil is about the break even point in
> > > > > terms of loan loss provisions. Charge offs are only 350 mil and they
> > > > > are declining. They have 1.2 Billion in total loan loss reserves
> > > > > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > > > > in loan loss reserves to make it look like they're breaking even,
> > > > > they're only taking 100 mil hit to their safety net. They could do
> > > > > that 12 straight quarters before blowing through all of their
> > > > > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > > > > charge offs they could have over 3 years without making a loss in a
> > > > > single quarter. So yeah, etrade is going to be profitable very soon.
> > > > > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > > > > of course the world doesn't blow up again.

> > > > > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > > > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > > > > hopefully ETFC can up towards to $2.00.

> > > > > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > > > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > I'm searching and can't find any documentation on why the upgrade was
> > > > > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > > > > but I'll keep looking.

> > > > > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > This is copied text from a tweet.

> > > > > > > > ToddSullivan November 3, 12:44 pm#
> > > > > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > > > > them

> > > > > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > > > > going to be charges like this quarter.

> > > > > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

> > > > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > > > - Show quoted text -- Hide quoted text -

> > > > > > > - Show quoted text -- Hide quoted text -

> > > > - Show quoted text -- Hide quoted text -

> > > - Show quoted text -- Hide quoted text -

> > - Show quoted text -- Hide quoted text -

> - Show quoted text -

> Then shock the assumptions and create projections under various
> scenarios.  It'll show you how sensitive your projections are to your
> assumptions.

> On Nov 4, 9:13 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > Lol, the exercise is meaningless unless I use it to make projections.
> > I'd be very happy to hear feed back on the assumptions I will be
> > making in the determination of those projections. Obviously I can't
> > hope to be 100% accurate and there will be a very good chance I make a
> > mistake in one or more of my variable inputs. Overall I hope it to be
> > a good mental exercise for myself and maybe get some good feed back
> > from you guys to see what I'm missing. We'll see how it goes, maybe
> > I'll get it done this weekend.

> > On Nov 4, 11:34 am, Thomas Chen <tkc...@gmail.com> wrote:

> > > Please make the graph and cite your sources for the data.  No need to
> > > project any numbers, just let people decide for themselves.

> > > On Nov 4, 8:05 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > > I'm considering creating a graph showing the history of loan loss
> > > > provisions, charge offs, total loans outstanding and total provisions
> > > > since the end of 2007, and projections out to 2012. It'll make a great
> > > > illustration of the impending dramatic drop off in loan loss
> > > > provisioning that is coming soon. I think theres enough data out there
> > > > now to make accurate predictions.

> > > > On Nov 4, 10:46 am, capn <l...@hotmail.com> wrote:

> > > > > There are many ways they could highlight upside DRYSHIPS - that's
> > > > > what's soooo annoying.  I'm not in the camp that DL will want to go
> > > > > out on a high note-kinda thing. But that is a possibility (just seems
> > > > > so damn obvious).  Something has to give ETFC another push.  I was
> > > > > reading S&Ps report on them and they are using "stabilizing" language
> > > > > (not going to quote directly - my point is the analysts are starting
> > > > > to see more stability in the company, despite long plaguing
> > > > > liabilities).  I definitely believe they will attract more attention
> > > > > Q1&2 2010.

> > > > > On Nov 4, 1:48 am, DRYSHIPS <brian.g.wal...@gmail.com> wrote:

> > > > > > If Etrade wanted to fudge the numbers and show a profit they could
> > > > > > easily do that this quarter. 250 mil is about the break even point in
> > > > > > terms of loan loss provisions. Charge offs are only 350 mil and they
> > > > > > are declining. They have 1.2 Billion in total loan loss reserves
> > > > > > already. Meaning if they wanna fudge the numbers and only post 250 mil
> > > > > > in loan loss reserves to make it look like they're breaking even,
> > > > > > they're only taking 100 mil hit to their safety net. They could do
> > > > > > that 12 straight quarters before blowing through all of their
> > > > > > reserves. For those keeping track at home 12*350 = 4.2 Billion in
> > > > > > charge offs they could have over 3 years without making a loss in a
> > > > > > single quarter. So yeah, etrade is going to be profitable very soon.
> > > > > > Maybe not this quarter, but q1 or q210 at the latest. Thats assuming
> > > > > > of course the world doesn't blow up again.

> > > > > > On Nov 3, 10:04 pm, safran <srk_...@hotmail.com> wrote:

> > > > > > > Here is the link to the upgrade.  Hopefully this does the trick,
> > > > > > > hopefully ETFC can up towards to $2.00.

> > > > > > >http://www.streetinsider.com/Upgrades/Raymond+James+Upgrades+E*TRADE+...

> > > > > > > On Nov 3, 7:48 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > I'm searching and can't find any documentation on why the upgrade was
> > > > > > > > given. Not that it matters, I bought because of the Goldman upgrade,
> > > > > > > > but I'll keep looking.

> > > > > > > > On Nov 3, 4:45 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > > This is copied text from a tweet.

> > > > > > > > > ToddSullivan November 3, 12:44 pm#
> > > > > > > > > Raymond James thinks $ETFC may turn a profit this Q .. FWIW & upgrades
> > > > > > > > > them

> > > > > > > > > On Nov 3, 4:35 pm, capn <l...@hotmail.com> wrote:

> > > > > > > > > > Q4 2009 or Q4 2010 - ya wanna clarify that one b/c there are still
> > > > > > > > > > going to be charges like this quarter.

> > > > > > > > > > On Nov 3, 7:30 pm, rronnieboy <rronnie...@gmail.com> wrote:

> > > > > > > > > > > According to Todd Sullivan, whom is very trustworthy.- Hide quoted text -

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