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Markets. Lots of earnings coming out: big names in technology. Looking for top line growth this quarter. In general the computer services market has had challenges to grow this. She focuses on those names that she thinks will do better in this very competitive market. She does a lot of bottom up research and thinks this will be the key to success. She took some cash off the table because some companies have different earnings schedules. Valuations are fair market but if you don’t have good earnings you get punished. She sees a buying opportunity. She would still be buying into this market and sees a rotation into a little more tolerance of risk.

Great franchise. Infrastructure. Huge barriers to entry. Phenomenal growth. It comes down to valuation. She does not want to pay 25x plus. She thinks you can get better opportunities.

Same as Visa. A bit of an overhang is their European exposure. The valuation at 25x earnings is too high.

She just owns City Group. Hedged with Canadian dollars. She doesn’t factor currency into her decision making to any great extent.

Trading at a reasonable multiple, 80% of tangible book value. She sees stable margins and loan growth. It is slowing down a bit but the margins are still there. They have been able to come out of the crisis over the last few years. There is still a fair amount of upside here.

She has been taking some money off the table recently. It has been a phenomenal investment for them. Firing on all cylinders. Ability to raise and invest capital. Dividend is high but that is a function of how much they make and what they get from sales of businesses. Expects they will do well over the next couple of quarters. She would not buy it here but hang on to it. Thinks they could come under pressure in a pullback in the market.

Came under a lot of pressure because of China. The focus of their current 5 year plan is less on China industrial growth and on the infrastructure but rather from consumer spending side. Concerns are warranted. Prefers TKR-N, but it is very volatile.

Such a big part of culture. They revolutionized how we use technology. How do you replicate that again. She prefers Qualcom because they have the patents on all the technology and the chipset side of the business.

The PC overhang is a bit more than you want to be exposed to at this point. 60% of business attributed to PCs. They are doing a good job on the server side of the business however.

Phenomenal valuation, great balance sheet. But it comes short on management. Likes them to have a sense of urgency. They are not concerned about the lower amount of paper usage. Ignoring that trend is a red flag. They made a lot of acquisitions in Europe over the last 5 years and she is not convinced they can do what is necessary. Short term the consolidation of the number 2 and 3 players will be a bit of a benefit to them.

(Top Pick Feb 21/13, Up 7.45%)

(Top Pick Feb 21/13, Down 0.60%) Likes it a lot. Huge cash generation. Investing in growth areas and give back 50% of their cash flow to investors.

(Top Pick Feb 21/13, Up 2.39%) 3% dividend. Likes the strong cash flow and is picking it up at 10.5x earnings, below the group. Have been struggling on same store sales and merchandising, pretty much like the others but they have been doing things about it. They were very unhappy with their results and made management changes and realigned some of the businesses. These are temporary issues and they will be able to address them

Fabulous entry point here. They had a weak quarter and stock sold off. Reason was they missed on margins from international priority and it was capacity issues which traditionally they are able to manage. They even make money in recessions. Thinks there is support in the stock.

Came out last week with very, very good earnings. Trading below tangible book value. They have improving ROE. They keep selling off problem assets and now they are releasing reserves from holdings.