> I feel that once we start to move towards the other side of this
> cycle, C will recover along with the other banking stocks.  Because
> their stock is so beat up right now, it is a good opportunity to get
> in on a financial stock that will defintely right itself along with
> the rest of the market.

> I guess what I am saying is...C is undervalued and is a good buy.  The
> jitters from 3-5 and back to 4 will happen, but when the market begins
> to right itself, C will be a fun ride up.

> Just my .02

> PS  Your going to need to be in C for at least 2-3 years to see this.
> This is based on market data I have analyzed all the way back to the
> 60s.

> On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > Can any other than a Daytrader give me an Outlook on C?

> On Nov 3, 7:36 pm, rdudejr <rdud...@gmail.com> wrote:

> > I'm very novice and very young so take what I say with a grain of salt
> > but....out of all the big banks, BAC, Wells Fargo, ect., C has fallen
> > hardest (exception being Wachovia who is now non-existent market-
> > wise).  There median share price over the last 10 years of around $40
> > indicates to me that, they definately have alot of upside.
> > Furthermore, unlike BAC, their share price has yet to truly recover.

> > I feel that once we start to move towards the other side of this
> > cycle, C will recover along with the other banking stocks.  Because
> > their stock is so beat up right now, it is a good opportunity to get
> > in on a financial stock that will defintely right itself along with
> > the rest of the market.

> > I guess what I am saying is...C is undervalued and is a good buy.  The
> > jitters from 3-5 and back to 4 will happen, but when the market begins
> > to right itself, C will be a fun ride up.

> > Just my .02

> > PS  Your going to need to be in C for at least 2-3 years to see this.
> > This is based on market data I have analyzed all the way back to the
> > 60s.

> > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

> - Show quoted text -

> On Nov 3, 11:10 pm, Jeff <jdra...@gmail.com> wrote:

> > Uh, if you daytrade, there's no future outlook...you're supposed to
> > close out your positions by the end of the day...

> > On Nov 3, 7:36 pm, rdudejr <rdud...@gmail.com> wrote:

> > > I'm very novice and very young so take what I say with a grain of salt
> > > but....out of all the big banks, BAC, Wells Fargo, ect., C has fallen
> > > hardest (exception being Wachovia who is now non-existent market-
> > > wise).  There median share price over the last 10 years of around $40
> > > indicates to me that, they definately have alot of upside.
> > > Furthermore, unlike BAC, their share price has yet to truly recover.

> > > I feel that once we start to move towards the other side of this
> > > cycle, C will recover along with the other banking stocks.  Because
> > > their stock is so beat up right now, it is a good opportunity to get
> > > in on a financial stock that will defintely right itself along with
> > > the rest of the market.

> > > I guess what I am saying is...C is undervalued and is a good buy.  The
> > > jitters from 3-5 and back to 4 will happen, but when the market begins
> > > to right itself, C will be a fun ride up.

> > > Just my .02

> > > PS  Your going to need to be in C for at least 2-3 years to see this.
> > > This is based on market data I have analyzed all the way back to the
> > > 60s.

> > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

> > - Show quoted text -

> The book value of Citigroup is reported as $6.15 per share. At $4 a
> share this stock is a bargain. What is suppressing the price now is
> perception. The adage, buy the rumor and sell the news is patently
> obvious what is denominating the share’s value. The reasons for the
> low price:
> ·  Fear that the USG’s common equity is or will be dumped
> ·  Predictions of massive write down of toxic assets
> ·  Perception (Not a fad stock)
> ·  Low volatility, volume and momentum
> ·  Pundits and analysts universally pan the stock
> ·  Sector malaise

> Traditionally banking stock rise slowly and drop fast. If you
> investment horizon is longer than a year, you should see a significant
> increase in value from $4.

> On Nov 3, 9:14 pm, sumation <allenv...@gmail.com> wrote:

> > Can any other than a Daytrader give me an Outlook on C?

> The book value of Citigroup is reported as $6.15 per share. At $4 a
> share this stock is a bargain. What is suppressing the price now is
> perception. The adage, buy the rumor and sell the news is patently
> obvious what is denominating the share’s value. The reasons for the
> low price:
> ·  Fear that the USG’s common equity is or will be dumped
> ·  Predictions of massive write down of toxic assets
> ·  Perception (Not a fad stock)
> ·  Low volatility, volume and momentum
> ·  Pundits and analysts universally pan the stock
> ·  Sector malaise

> Traditionally banking stock rise slowly and drop fast. If you
> investment horizon is longer than a year, you should see a significant
> increase in value from $4.

> On Nov 3, 9:14 pm, sumation <allenv...@gmail.com> wrote:

> > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

> - Show quoted text -

> On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > Can any other than a Daytrader give me an Outlook on C?

> On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > C is going to have problems until senior management get their heads
> > out of the ground and do something with all that cash. Banks are
> > suppose to be in the business of lending to expand other businesses,
> > to generate revenues or profit and to take advantage of the multiplier
> > effect not cash hoarding. Also, management has not made any statements
> > concerning a three year plan to repurchase the government shares. They
> > appear to be sitting in limbo while waiting for the next great flood.
> > C price function has not received any positive inputs from the company
> > to give investors any reason to move it up. All we hear is negative
> > stories from people who are betting against the company.

> > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > Can any other than a Daytrader give me an Outlook on C?

> citi is an obvious risk(losses last few quarters, heavy dilution,
> hands still deep in troubled assests) that is why the price is low
> liqued cash is good for them, acts as a bancruptcy buoy.
> They nearly turned a profit last quarter for crying out loud, and they
> paid dividends until January.

> This is not a company plotting restructure. This is a company building
> it's brick wall to replace it's stick house that was just blown over.
> Just in case te bad wolf of a recession comes round again. I plan on
> continuing to buy modestly in the dips and ride it up.

> On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > C is doing the right thing in holding all that cash ... gotta make
> > sure the economy is definitely on the path to recovery before
> > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > has the right idea ... keep on investing in this awesome country
> > called the USA ... sure it has it's flaws ... but when it comes down
> > to it ... the USA kicks ass!!!

> > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > C is going to have problems until senior management get their heads
> > > out of the ground and do something with all that cash. Banks are
> > > suppose to be in the business of lending to expand other businesses,
> > > to generate revenues or profit and to take advantage of the multiplier
> > > effect not cash hoarding. Also, management has not made any statements
> > > concerning a three year plan to repurchase the government shares. They
> > > appear to be sitting in limbo while waiting for the next great flood.
> > > C price function has not received any positive inputs from the company
> > > to give investors any reason to move it up. All we hear is negative
> > > stories from people who are betting against the company.

> > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

> - Show quoted text -

> rdudejr and jimmy - your views are both accurate.

> rancher9:
> 1. Citi's true book value is a currently a joke, less than 1.00/share;
> the values you show reflect "adjustments".
> 2. CIti will trade sideways to year end; consumer's will not be buying
> this holiday season as in the past and Citi is largely dependant on
> consumer credit, and they are the most aggregious in hiking fees.

> dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> 8/11 long trades, one to three days per trade, average 0.08 per trade/
> share; search my posts, specfically "Lone Ranger at Citi".

> C - your post is conflicting; "...right thing in hoarding all that
> cash" vs. "keep on investing in this country..." - this is one of the
> primary reasons for the economy stalling, which it is, but it seems
> everyone is in la-la land.  Banks hoarding cash is one of the worst
> possible actions, since debt is a fundamental aspect of *investing*
> industry and consumer; no money, no growth, spending.  That's why tens
> of thousands of businesses are complaining and struggling, they can't
> borrow the capital to carry and grow thier businesses.  For that very
> reason is why we see so many IPO's, to raise necessary cash.

> Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> For most of us Citi is an excellent long-term investment; they have
> not participated in recovering as have the other powerhouse
> financials, for obvious reasons.  However, when they finally get their
> act together it will be rewarding.

> On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > Glad to hear there are a few agreeing with me. A few more points:

> > citi is an obvious risk(losses last few quarters, heavy dilution,
> > hands still deep in troubled assests) that is why the price is low
> > liqued cash is good for them, acts as a bancruptcy buoy.
> > They nearly turned a profit last quarter for crying out loud, and they
> > paid dividends until January.

> > This is not a company plotting restructure. This is a company building
> > it's brick wall to replace it's stick house that was just blown over.
> > Just in case te bad wolf of a recession comes round again. I plan on
> > continuing to buy modestly in the dips and ride it up.

> > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > C is doing the right thing in holding all that cash ... gotta make
> > > sure the economy is definitely on the path to recovery before
> > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > has the right idea ... keep on investing in this awesome country
> > > called the USA ... sure it has it's flaws ... but when it comes down
> > > to it ... the USA kicks ass!!!

> > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > C is going to have problems until senior management get their heads
> > > > out of the ground and do something with all that cash. Banks are
> > > > suppose to be in the business of lending to expand other businesses,
> > > > to generate revenues or profit and to take advantage of the multiplier
> > > > effect not cash hoarding. Also, management has not made any statements
> > > > concerning a three year plan to repurchase the government shares. They
> > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > C price function has not received any positive inputs from the company
> > > > to give investors any reason to move it up. All we hear is negative
> > > > stories from people who are betting against the company.

> > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

> > - Show quoted text -

> On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > I don't intend to be rude or disrespectful to anyone, but the rose-
> > colored glasses have got to come off.

> > rdudejr and jimmy - your views are both accurate.

> > rancher9:
> > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > the values you show reflect "adjustments".
> > 2. CIti will trade sideways to year end; consumer's will not be buying
> > this holiday season as in the past and Citi is largely dependant on
> > consumer credit, and they are the most aggregious in hiking fees.

> > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > share; search my posts, specfically "Lone Ranger at Citi".

> > C - your post is conflicting; "...right thing in hoarding all that
> > cash" vs. "keep on investing in this country..." - this is one of the
> > primary reasons for the economy stalling, which it is, but it seems
> > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > possible actions, since debt is a fundamental aspect of *investing*
> > industry and consumer; no money, no growth, spending.  That's why tens
> > of thousands of businesses are complaining and struggling, they can't
> > borrow the capital to carry and grow thier businesses.  For that very
> > reason is why we see so many IPO's, to raise necessary cash.

> > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > For most of us Citi is an excellent long-term investment; they have
> > not participated in recovering as have the other powerhouse
> > financials, for obvious reasons.  However, when they finally get their
> > act together it will be rewarding.

> > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > Glad to hear there are a few agreeing with me. A few more points:

> > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > hands still deep in troubled assests) that is why the price is low
> > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > They nearly turned a profit last quarter for crying out loud, and they
> > > paid dividends until January.

> > > This is not a company plotting restructure. This is a company building
> > > it's brick wall to replace it's stick house that was just blown over.
> > > Just in case te bad wolf of a recession comes round again. I plan on
> > > continuing to buy modestly in the dips and ride it up.

> > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > C is doing the right thing in holding all that cash ... gotta make
> > > > sure the economy is definitely on the path to recovery before
> > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > has the right idea ... keep on investing in this awesome country
> > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > to it ... the USA kicks ass!!!

> > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > C is going to have problems until senior management get their heads
> > > > > out of the ground and do something with all that cash. Banks are
> > > > > suppose to be in the business of lending to expand other businesses,
> > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > concerning a three year plan to repurchase the government shares. They
> > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > C price function has not received any positive inputs from the company
> > > > > to give investors any reason to move it up. All we hear is negative
> > > > > stories from people who are betting against the company.

> > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

> - Show quoted text -

> On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > I don't intend to be rude or disrespectful to anyone, but the rose-
> > colored glasses have got to come off.

> > rdudejr and jimmy - your views are both accurate.

> > rancher9:
> > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > the values you show reflect "adjustments".
> > 2. CIti will trade sideways to year end; consumer's will not be buying
> > this holiday season as in the past and Citi is largely dependant on
> > consumer credit, and they are the most aggregious in hiking fees.

> > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > share; search my posts, specfically "Lone Ranger at Citi".

> > C - your post is conflicting; "...right thing in hoarding all that
> > cash" vs. "keep on investing in this country..." - this is one of the
> > primary reasons for the economy stalling, which it is, but it seems
> > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > possible actions, since debt is a fundamental aspect of *investing*
> > industry and consumer; no money, no growth, spending.  That's why tens
> > of thousands of businesses are complaining and struggling, they can't
> > borrow the capital to carry and grow thier businesses.  For that very
> > reason is why we see so many IPO's, to raise necessary cash.

> > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > For most of us Citi is an excellent long-term investment; they have
> > not participated in recovering as have the other powerhouse
> > financials, for obvious reasons.  However, when they finally get their
> > act together it will be rewarding.

> > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > Glad to hear there are a few agreeing with me. A few more points:

> > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > hands still deep in troubled assests) that is why the price is low
> > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > They nearly turned a profit last quarter for crying out loud, and they
> > > paid dividends until January.

> > > This is not a company plotting restructure. This is a company building
> > > it's brick wall to replace it's stick house that was just blown over.
> > > Just in case te bad wolf of a recession comes round again. I plan on
> > > continuing to buy modestly in the dips and ride it up.

> > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > C is doing the right thing in holding all that cash ... gotta make
> > > > sure the economy is definitely on the path to recovery before
> > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > has the right idea ... keep on investing in this awesome country
> > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > to it ... the USA kicks ass!!!

> > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > C is going to have problems until senior management get their heads
> > > > > out of the ground and do something with all that cash. Banks are
> > > > > suppose to be in the business of lending to expand other businesses,
> > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > concerning a three year plan to repurchase the government shares. They
> > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > C price function has not received any positive inputs from the company
> > > > > to give investors any reason to move it up. All we hear is negative
> > > > > stories from people who are betting against the company.

> > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

> - Show quoted text -

> Highlights of the article:
> Other banks - 21% liquidity (cash)
> Citigroup - 24% liquidity (cash)

> "The caution, which may help restore confidence in the financial
> system, offers little comfort to shareholders, who can expect to see
> shrinking returns as banks put money into liquid investments that
> yield one-twelfth the interest rates of loans."

> The additional 3% of liquidity amounts to a fortune in unrealized
> revenue, therein my overall point.

> Article:http://bloomberg.com/apps/news?pid=20601087&sid=aQokWJUKo2d0&pos=5

> Regards, Wellcraft

> On Nov 5, 8:51 am, "??" <ksiem...@optonline.net> wrote:

> > Wellcraft, appreciate the fresh perspective that you are bring to this
> > forum.
> > You are of course reiterating what the President has said publicly.
> > But isn't Treasury telling banks that they have to maintain a certain
> > amount of cash? Why does there seem to be a conflict here?

> > On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > > I don't intend to be rude or disrespectful to anyone, but the rose-
> > > colored glasses have got to come off.

> > > rdudejr and jimmy - your views are both accurate.

> > > rancher9:
> > > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > > the values you show reflect "adjustments".
> > > 2. CIti will trade sideways to year end; consumer's will not be buying
> > > this holiday season as in the past and Citi is largely dependant on
> > > consumer credit, and they are the most aggregious in hiking fees.

> > > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > > share; search my posts, specfically "Lone Ranger at Citi".

> > > C - your post is conflicting; "...right thing in hoarding all that
> > > cash" vs. "keep on investing in this country..." - this is one of the
> > > primary reasons for the economy stalling, which it is, but it seems
> > > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > > possible actions, since debt is a fundamental aspect of *investing*
> > > industry and consumer; no money, no growth, spending.  That's why tens
> > > of thousands of businesses are complaining and struggling, they can't
> > > borrow the capital to carry and grow thier businesses.  For that very
> > > reason is why we see so many IPO's, to raise necessary cash.

> > > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > > For most of us Citi is an excellent long-term investment; they have
> > > not participated in recovering as have the other powerhouse
> > > financials, for obvious reasons.  However, when they finally get their
> > > act together it will be rewarding.

> > > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > > Glad to hear there are a few agreeing with me. A few more points:

> > > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > > hands still deep in troubled assests) that is why the price is low
> > > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > > They nearly turned a profit last quarter for crying out loud, and they
> > > > paid dividends until January.

> > > > This is not a company plotting restructure. This is a company building
> > > > it's brick wall to replace it's stick house that was just blown over.
> > > > Just in case te bad wolf of a recession comes round again. I plan on
> > > > continuing to buy modestly in the dips and ride it up.

> > > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > > C is doing the right thing in holding all that cash ... gotta make
> > > > > sure the economy is definitely on the path to recovery before
> > > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > > has the right idea ... keep on investing in this awesome country
> > > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > > to it ... the USA kicks ass!!!

> > > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > > C is going to have problems until senior management get their heads
> > > > > > out of the ground and do something with all that cash. Banks are
> > > > > > suppose to be in the business of lending to expand other businesses,
> > > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > > concerning a three year plan to repurchase the government shares. They
> > > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > > C price function has not received any positive inputs from the company
> > > > > > to give investors any reason to move it up. All we hear is negative
> > > > > > stories from people who are betting against the company.

> > > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

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

> - Show quoted text -

> Highlights of the article:
> Other banks - 21% liquidity (cash)
> Citigroup - 24% liquidity (cash)

> "The caution, which may help restore confidence in the financial
> system, offers little comfort to shareholders, who can expect to see
> shrinking returns as banks put money into liquid investments that
> yield one-twelfth the interest rates of loans."

> The additional 3% of liquidity amounts to a fortune in unrealized
> revenue, therein my overall point.

> Article:http://bloomberg.com/apps/news?pid=20601087&sid=aQokWJUKo2d0&pos=5

> Regards, Wellcraft

> On Nov 5, 8:51 am, "??" <ksiem...@optonline.net> wrote:

> > Wellcraft, appreciate the fresh perspective that you are bring to this
> > forum.
> > You are of course reiterating what the President has said publicly.
> > But isn't Treasury telling banks that they have to maintain a certain
> > amount of cash? Why does there seem to be a conflict here?

> > On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > > I don't intend to be rude or disrespectful to anyone, but the rose-
> > > colored glasses have got to come off.

> > > rdudejr and jimmy - your views are both accurate.

> > > rancher9:
> > > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > > the values you show reflect "adjustments".
> > > 2. CIti will trade sideways to year end; consumer's will not be buying
> > > this holiday season as in the past and Citi is largely dependant on
> > > consumer credit, and they are the most aggregious in hiking fees.

> > > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > > share; search my posts, specfically "Lone Ranger at Citi".

> > > C - your post is conflicting; "...right thing in hoarding all that
> > > cash" vs. "keep on investing in this country..." - this is one of the
> > > primary reasons for the economy stalling, which it is, but it seems
> > > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > > possible actions, since debt is a fundamental aspect of *investing*
> > > industry and consumer; no money, no growth, spending.  That's why tens
> > > of thousands of businesses are complaining and struggling, they can't
> > > borrow the capital to carry and grow thier businesses.  For that very
> > > reason is why we see so many IPO's, to raise necessary cash.

> > > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > > For most of us Citi is an excellent long-term investment; they have
> > > not participated in recovering as have the other powerhouse
> > > financials, for obvious reasons.  However, when they finally get their
> > > act together it will be rewarding.

> > > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > > Glad to hear there are a few agreeing with me. A few more points:

> > > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > > hands still deep in troubled assests) that is why the price is low
> > > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > > They nearly turned a profit last quarter for crying out loud, and they
> > > > paid dividends until January.

> > > > This is not a company plotting restructure. This is a company building
> > > > it's brick wall to replace it's stick house that was just blown over.
> > > > Just in case te bad wolf of a recession comes round again. I plan on
> > > > continuing to buy modestly in the dips and ride it up.

> > > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > > C is doing the right thing in holding all that cash ... gotta make
> > > > > sure the economy is definitely on the path to recovery before
> > > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > > has the right idea ... keep on investing in this awesome country
> > > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > > to it ... the USA kicks ass!!!

> > > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > > C is going to have problems until senior management get their heads
> > > > > > out of the ground and do something with all that cash. Banks are
> > > > > > suppose to be in the business of lending to expand other businesses,
> > > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > > concerning a three year plan to repurchase the government shares. They
> > > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > > C price function has not received any positive inputs from the company
> > > > > > to give investors any reason to move it up. All we hear is negative
> > > > > > stories from people who are betting against the company.

> > > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

> > - Show quoted text -

> http://www.businessinsider.com/citi-customers-reach-out-to-us-2009-10

> Wellcraft

> On Nov 5, 4:24 pm, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > ??, in my previous post I could not locate another article on the
> > subject, similiar, but includes:

> > Highlights of the article:
> > Other banks - 21% liquidity (cash)
> > Citigroup - 24% liquidity (cash)

> > "The caution, which may help restore confidence in the financial
> > system, offers little comfort to shareholders, who can expect to see
> > shrinking returns as banks put money into liquid investments that
> > yield one-twelfth the interest rates of loans."

> > The additional 3% of liquidity amounts to a fortune in unrealized
> > revenue, therein my overall point.

> > Article:http://bloomberg.com/apps/news?pid=20601087&sid=aQokWJUKo2d0&pos=5

> > Regards, Wellcraft

> > On Nov 5, 8:51 am, "??" <ksiem...@optonline.net> wrote:

> > > Wellcraft, appreciate the fresh perspective that you are bring to this
> > > forum.
> > > You are of course reiterating what the President has said publicly.
> > > But isn't Treasury telling banks that they have to maintain a certain
> > > amount of cash? Why does there seem to be a conflict here?

> > > On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > > > I don't intend to be rude or disrespectful to anyone, but the rose-
> > > > colored glasses have got to come off.

> > > > rdudejr and jimmy - your views are both accurate.

> > > > rancher9:
> > > > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > > > the values you show reflect "adjustments".
> > > > 2. CIti will trade sideways to year end; consumer's will not be buying
> > > > this holiday season as in the past and Citi is largely dependant on
> > > > consumer credit, and they are the most aggregious in hiking fees.

> > > > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > > > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > > > share; search my posts, specfically "Lone Ranger at Citi".

> > > > C - your post is conflicting; "...right thing in hoarding all that
> > > > cash" vs. "keep on investing in this country..." - this is one of the
> > > > primary reasons for the economy stalling, which it is, but it seems
> > > > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > > > possible actions, since debt is a fundamental aspect of *investing*
> > > > industry and consumer; no money, no growth, spending.  That's why tens
> > > > of thousands of businesses are complaining and struggling, they can't
> > > > borrow the capital to carry and grow thier businesses.  For that very
> > > > reason is why we see so many IPO's, to raise necessary cash.

> > > > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > > > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > > > For most of us Citi is an excellent long-term investment; they have
> > > > not participated in recovering as have the other powerhouse
> > > > financials, for obvious reasons.  However, when they finally get their
> > > > act together it will be rewarding.

> > > > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > > > Glad to hear there are a few agreeing with me. A few more points:

> > > > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > > > hands still deep in troubled assests) that is why the price is low
> > > > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > > > They nearly turned a profit last quarter for crying out loud, and they
> > > > > paid dividends until January.

> > > > > This is not a company plotting restructure. This is a company building
> > > > > it's brick wall to replace it's stick house that was just blown over.
> > > > > Just in case te bad wolf of a recession comes round again. I plan on
> > > > > continuing to buy modestly in the dips and ride it up.

> > > > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > > > C is doing the right thing in holding all that cash ... gotta make
> > > > > > sure the economy is definitely on the path to recovery before
> > > > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > > > has the right idea ... keep on investing in this awesome country
> > > > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > > > to it ... the USA kicks ass!!!

> > > > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > > > C is going to have problems until senior management get their heads
> > > > > > > out of the ground and do something with all that cash. Banks are
> > > > > > > suppose to be in the business of lending to expand other businesses,
> > > > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > > > concerning a three year plan to repurchase the government shares. They
> > > > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > > > C price function has not received any positive inputs from the company
> > > > > > > to give investors any reason to move it up. All we hear is negative
> > > > > > > stories from people who are betting against the company.

> > > > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

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

> > - Show quoted text -

> On Nov 5, 4:37 pm, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > And to my other point, rising credit card interest rates.  My son has
> > a stellar history with Citi; one month ago they raised his rate from
> > 7.4% to 15.2%, 110% increase.  Most are raising their rates
> > disproportionate to the economy.  Capital One on the other hand
> > charges me 4.9%, but they never collect a dime of it because my
> > objective with a credit card is convenience, nothing else.  In five
> > years I've never paid any interest because my view is simple - 'if you
> > can't afford to pay cash you can't afford it.'  I realize that others
> > are either not so fortunate, or disciplined, as the case may be, but
> > 30% on revolving credit is highway robbery, period.

> >http://www.businessinsider.com/citi-customers-reach-out-to-us-2009-10

> > Wellcraft

> > On Nov 5, 4:24 pm, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > > ??, in my previous post I could not locate another article on the
> > > subject, similiar, but includes:

> > > Highlights of the article:
> > > Other banks - 21% liquidity (cash)
> > > Citigroup - 24% liquidity (cash)

> > > "The caution, which may help restore confidence in the financial
> > > system, offers little comfort to shareholders, who can expect to see
> > > shrinking returns as banks put money into liquid investments that
> > > yield one-twelfth the interest rates of loans."

> > > The additional 3% of liquidity amounts to a fortune in unrealized
> > > revenue, therein my overall point.

> > > Article:http://bloomberg.com/apps/news?pid=20601087&sid=aQokWJUKo2d0&pos=5

> > > Regards, Wellcraft

> > > On Nov 5, 8:51 am, "??" <ksiem...@optonline.net> wrote:

> > > > Wellcraft, appreciate the fresh perspective that you are bring to this
> > > > forum.
> > > > You are of course reiterating what the President has said publicly.
> > > > But isn't Treasury telling banks that they have to maintain a certain
> > > > amount of cash? Why does there seem to be a conflict here?

> > > > On Nov 5, 3:31 am, wellcraft2400 <wellcraft2...@gmail.com> wrote:

> > > > > I don't intend to be rude or disrespectful to anyone, but the rose-
> > > > > colored glasses have got to come off.

> > > > > rdudejr and jimmy - your views are both accurate.

> > > > > rancher9:
> > > > > 1. Citi's true book value is a currently a joke, less than 1.00/share;
> > > > > the values you show reflect "adjustments".
> > > > > 2. CIti will trade sideways to year end; consumer's will not be buying
> > > > > this holiday season as in the past and Citi is largely dependant on
> > > > > consumer credit, and they are the most aggregious in hiking fees.

> > > > > dj1001 - not true; I've made $19,000.00 since OCT 01 day-trading Citi,
> > > > > 8/11 long trades, one to three days per trade, average 0.08 per trade/
> > > > > share; search my posts, specfically "Lone Ranger at Citi".

> > > > > C - your post is conflicting; "...right thing in hoarding all that
> > > > > cash" vs. "keep on investing in this country..." - this is one of the
> > > > > primary reasons for the economy stalling, which it is, but it seems
> > > > > everyone is in la-la land.  Banks hoarding cash is one of the worst
> > > > > possible actions, since debt is a fundamental aspect of *investing*
> > > > > industry and consumer; no money, no growth, spending.  That's why tens
> > > > > of thousands of businesses are complaining and struggling, they can't
> > > > > borrow the capital to carry and grow thier businesses.  For that very
> > > > > reason is why we see so many IPO's, to raise necessary cash.

> > > > > Citi will not turn a true profit in Q4 and most likely not until Q2/Q3
> > > > > 2010.  Q3 earnings were a joke, what, 100M, and all the "buts...".
> > > > > For most of us Citi is an excellent long-term investment; they have
> > > > > not participated in recovering as have the other powerhouse
> > > > > financials, for obvious reasons.  However, when they finally get their
> > > > > act together it will be rewarding.

> > > > > On Nov 4, 11:45 pm, rdudejr <rdud...@gmail.com> wrote:

> > > > > > Glad to hear there are a few agreeing with me. A few more points:

> > > > > > citi is an obvious risk(losses last few quarters, heavy dilution,
> > > > > > hands still deep in troubled assests) that is why the price is low
> > > > > > liqued cash is good for them, acts as a bancruptcy buoy.
> > > > > > They nearly turned a profit last quarter for crying out loud, and they
> > > > > > paid dividends until January.

> > > > > > This is not a company plotting restructure. This is a company building
> > > > > > it's brick wall to replace it's stick house that was just blown over.
> > > > > > Just in case te bad wolf of a recession comes round again. I plan on
> > > > > > continuing to buy modestly in the dips and ride it up.

> > > > > > On Nov 4, 7:27 pm, C <chad...@gmail.com> wrote:

> > > > > > > C is doing the right thing in holding all that cash ... gotta make
> > > > > > > sure the economy is definitely on the path to recovery before
> > > > > > > investing that hoard of cash ... one bitten ... twice shy ... buffet
> > > > > > > has the right idea ... keep on investing in this awesome country
> > > > > > > called the USA ... sure it has it's flaws ... but when it comes down
> > > > > > > to it ... the USA kicks ass!!!

> > > > > > > On Nov 4, 12:14 pm, jimmy <bass9...@msn.com> wrote:

> > > > > > > > C is going to have problems until senior management get their heads
> > > > > > > > out of the ground and do something with all that cash. Banks are
> > > > > > > > suppose to be in the business of lending to expand other businesses,
> > > > > > > > to generate revenues or profit and to take advantage of the multiplier
> > > > > > > > effect not cash hoarding. Also, management has not made any statements
> > > > > > > > concerning a three year plan to repurchase the government shares. They
> > > > > > > > appear to be sitting in limbo while waiting for the next great flood.
> > > > > > > > C price function has not received any positive inputs from the company
> > > > > > > > to give investors any reason to move it up. All we hear is negative
> > > > > > > > stories from people who are betting against the company.

> > > > > > > > On Nov 3, 10:14 pm, sumation <allenv...@gmail.com> wrote:

> > > > > > > > > Can any other than a Daytrader give me an Outlook on C?- Hide quoted text -

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

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

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

> - Show quoted text -