financial on SWiK

One Employee's Noise Could Equal a FERPA Violation for You

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XBRL - Wikipedia, the free encyclopedia

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QuickFIX/J is a full featured messaging engine for the FIX protocol. It is a 100% Java open source implementation of the popular C++ QuickFIX engine.

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Inside the 3G iPhone Money Machine

Tue, 10 Jun 2008 11:14:33 -0700

A lot has been written about the new 3G iPhone, its price and its impact. Now it’s time to shift attention to the most important question about this device: How much money will it make for Apple and its carrier partners?

While I don’t have any concrete financial projections, after reading some of Wall Street’s better analysis and taking clues from my own sources, I can offer some observations, which I’ve packaged in a Q&A format here:

Q: Why did Apple agree to a price subsidy?
A: Mass adoption. AT&T Mobility CEO Ralph de le Vega told the WSJ that it was all about getting the device to the mass market. “I think this is going to reach people that would otherwise never put $199 into a mobile device,” he said.

Q: Is subsidizing the handset going to cost AT&T and other carriers, like UK-based O2 (which is offering a free version with premium packages)?
A: Yes. In the WSJ interview, de la Vega says, “It’s going to impact earnings in 2008 and 2009 in a negative way, but will turn very profitable in the long term.”

Q: How much of a hit will the subsidy be to AT&T’s revenues/earnings?
A: The company says between 10 and 12 cents per share. According to Stifel Nicholas analyst Christopher King, this assumes that AT&T gets around 5.5 million incremental gross subscriber additions and a $200 subsidy per phone in both 2008 and in 2009.

Q: AT&T says the subsidy agreement with Apple will become accretive starting in 2010. Likely?
A: “For AT&T to meet its 2010 accretion goal, we believe the company will have to significantly accelerate its market share over the course of the next 12-24 months, among the most lucrative, post-pay subscriber base,” Stifel’s King writes in a notes to clients. “With the current levels of wireless penetration, we believe this implies AT&T must take subscribers from other carriers.”

I don’t see it happening either, especially since other handset makers will undoubtedly have some tricks up their sleeves with which to respond to the iPhone. The window of opportunity to sell a lot of phones for Apple is not unlimited.

Q: How many 3G iPhones does Apple hope to sell?
A: UBS Research estimates that the company is looking to push out between 10 million and 15 million 3G iPhones, based on their checks with vendors and parts suppliers. But even despite the subsidies, UBS analysts expect the final number could be closer to the lower end of that range. By way of comparison, Motorola sold about 11.3 million Razrs the first year — with subsidies, global distribution and multiple carriers in the very same regions. And that was one of the best-selling phones ever.

Q: How much money can Apple make selling 15 million units?
A: Assuming Apple gets $399 per device from the carriers (using Stifel’s math of a $200 subsidy) and most of the devices sold are the low-end model, Apple could make $5.98 billion. Of course, the numbers could be much higher if the high-end model becomes popular. So a reasonable guess would be between $6 billion and $7 billion. This will be a profitable enterprise for Apple, according to analysis of the iPhones parts by research firm Portelligent. The materials currently costs about $170, but that will soon go down to $100 as volumes scale.

Q: Will it impact Nokia and RIM?
A: I wouldn’t bet on it, despite the fact that in Nokia’s home market of Western Europe, Apple has not only addressed the lack of 3G connectivity but signed some huge distribution deals. At 15 million units, the iPhone will be marginal compared to Nokia’s offerings. Nor do I think that RIM will keel over, though I do think this puts the kibosh on RIM’s consumer play somewhat.

Q: Who loses?
A: My bet is on Motorola and Palm. Motorola is just a rudderless Titanic right now, and is especially vulnerable because it doesn’t have anything that it can use to compete with the likes of an iPhone. Similarly, Palm just doesn’t enjoy the cachet it used to, and the lower-priced iPhone makes the $99 Centro look a tad dowdy. Given how much AT&T has riding on the 3G iPhone, I am betting they will purposely promote this to the detriment of others.

Q: What about the iPhone ecosystem — who’s making what inside the 3G iPhone?
A: Infineon is making the baseband and RF transceiver, while Samsung is providing the application provider. Forward Concepts analyst Will Strauss says the GPS chip is based on Broadcom’s Global Locate technology (and not a Broadcom chip, as we had initially reported) that has been licensed by Infineon. Time to re-check that information again.

PS: I promise this is the last iPhone post till all the hoopla dies down.

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User:cbonsobre

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SWiK

Tue, 31 May 2005 21:15:27 -0700

SWiK.net is a SourceLabs project to help people collaboratively document open-source software.

SWiK is visited by tens of thousands of people daily, it’s a place to make notes and publish articles on software development and open source projects, tag projects to help organize the world of open source, or just browse around and find interesting stuff.

This wiki is community run and completely open – it depends on editors like you to help build pages with useful information about using open source software and developing applications. The wiki engine is written from scratch by SourceLabs.

You Can Help

Editing pages is easy, just go to the page you want to edit and click the edit button in the top right. Be bold, if you see something wrong or something missing: just fix it.

You can also syndicate RSS feeds into SWiK. This is useful in cases such as a project news feed, or a tips and tricks blog. Every registered user of SWiK also has a set of personal pages, and you might want to syndicate your personal feeds into SWiK as well – such as your del.icio.us bookmarks or your blog.

For more on this, check out Getting Started on the links at left.

Tech Details

SWiK uses Ajax/JavaScript to make editing easier and faster; you can try playing around with the editing capabilities in sandbox.

To make editing easier, SWiK also uses the Textile markup language, which is simpler and faster to write than raw HTML. With Textile, you don’t have to type <strong>words</strong> if you want to make something strong. Instead you can just type *strong*, which is much more convenient.

To cross reference various pages in SWiK, you can use either tags, or you can use wiki links: [[this is the wiki link format]].

In June, 2008 SourceLabs launched an early version of books.swik.net bringing the power of the Swik platform to the world of books, book collecting, and reading.

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financial on SWiK

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2008 March | Free Geekery

http://www.xbrl.org/Home/

http://www.xbrl.org/Home/

User:arjieespina

User:cbonsobre

SWiK

You Can Help

Links

Tech Details

QuantLib Documentation

Global Financial Data, News & Information Web Services - Xignite

XBRL Insight -

Buddi - Personal budget software for the rest of us

FpML (Financial products Markup Language) is an XML message standard

Extensible Business Reporting Language (XBRL) 2.1

FpML (Financial products Markup Language) is an XML message standard