GNW被降级了 - 未名空间MITBBS历史存档

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GNW被降级了

GNW被降级了# Stock

S*n2013-01-08 08:01

1 楼

大家两三个月的娃一般吃多少盎司奶呀? 我娃六七周之前都吃到三十多,但最近只二十
多,不知正不正常啊?jmm们你们的娃吃多少呀?btw,我娃应该不到十一二磅吧

v*02013-01-08 08:01

2 楼

大牛们的推荐

w*02013-01-08 08:01

3 楼

20-35 oz.

【在 S*****n 的大作中提到】

: 大家两三个月的娃一般吃多少盎司奶呀? 我娃六七周之前都吃到三十多,但最近只二十
: 多,不知正不正常啊?jmm们你们的娃吃多少呀?btw,我娃应该不到十一二磅吧

i*n2013-01-08 08:01

4 楼

We are downgrading shares of GNW to Underperform from Neutral following the
recent
rally in shares off of the bottom reached in late July/early August of more
than 100% and
over 50% since mid-November. We think that much of the rally has been the
result of
optimism for GNW’s US MI unit as a derivative play on the US housing market
, in addition
to the appointment of former Freddie Mac CEO David Moffett to the board of
directors,
while investors have been less focused on fundamentals in the life insurance
operations.
We believe that the housing market strength results in the need to reassess
the US MI
business, and as a result we are increasing the multiple on that business in
our sum of the
parts valuation to 0.95x from 0.5x (note RDN and MTG both trade at 0.95x).
Due to the
higher multiple on placed on the US MI, we are raising our target price on
the shares to $7
from $6. While we are more positive on the US MI unit, we note that GNW
still must build
capital in the segment once it turns a profit, as risk to capital remains
above the 25:1
threshold.
Despite the increase in the target price, we think there has been
disproportionately too
much emphasis placed on the housing market recovery and the impact it will
have on US
MI and not enough focus on the life insurance entities. GNW has one of the
largest LTC
blocks in the industry at about $20b of gross statutory reserves (we
estimate 2x bigger
than MET), which is not only the most interest rate sensitive line of
business but has also
started to show adverse morbidity as people on claim live longer. GNW has
used captive
reinsurance to limit pressure from low interest rates, and it is our
understanding that GNW
will not need to take any statutory reserve actions at YE12 as a result of
cash flow testing
(note reinsured business is not subject to cash flow testing), we suspect as
a result of the
use of the captive reinsurance. However, with the NAIC taking a closer look
at the use of
captive reinsurance and affiliated transactions, it is not clear to us what
the impact will be
on GNW’s ability to utilize these arrangements going forward. As Exhibit 1
shows, GNW is
the heaviest user of affiliated reinsurance among lifecos in our coverage.
As a result of the
use of affiliated reinsurance, we are applying a lower multiple to the life
insurance
operations given the added complexity and lower private market value we
think would be
associated with the business, combined with the need to add to reserves if
unwound, in
our opinion. We no longer assume a $700mm statutory reserve addition to the
LTC book
in our valuation because of the uncertainty associated with the need to
unwind captive
reinsurance.

c*r2013-01-08 08:01

5 楼

嗯，我们家也是小时候吃的多，三个月以后吃的少了好多.

【在 S*****n 的大作中提到】

s*o2013-01-08 08:01

6 楼

6块RAISE到7块了，这评级的够蠢的，已经8块了，还预测什么7块

z*i2013-01-08 08:01

7 楼

一样一样.我刚刚翻本本,刚出月子的时候,娃能30OZ.现在马上3个月了,越吃越少.20-
26OZ了.话说,娃吃的顿数越来越少,现在一天就5顿.我就只好耐心的多喂点.一般都是
5OZ. 我PP一般没有我喂的多,就3.5-4OZ左右,她就很不高兴说我硬灌.今天早上告诉我
娃吐了点奶,都怪我不好.我嬉皮笑脸的说,没事,吐了吐就习惯了.
大家批评我吧.我觉得娃就是最后吃奶的时候都不专心了,我认为25OZ应该是保守的量.
胃是被撑大的!!!所以我坚持多喂一点.我现在坚持了3天,今天颇有效果.娃现在吃5OZ好
象习惯了.
娃今天刚12周,估计才13LB多一点点.看上去挺瘦的.我宁肯让他稍稍吐一点(他很少吐,
貌似他并不难受.)对我的恶果就是,刚开始吃多了一点,昨晚睡觉不安宁.虽然一直都在
睡,但时不时放屁,叫两声.害得他老娘我一夜无眠.

i*n2013-01-08 08:01

8 楼

就是叫大家赶紧抛？

【在 s**********o 的大作中提到】

: 6块RAISE到7块了，这评级的够蠢的，已经8块了，还预测什么7块

b*92013-01-08 08:01

9 楼

我娃每顿也就4盎司，不吃塞都塞不进。会吐出来，用手推开，不行再加上蹬腿大哭。
现在嗝基本上拍不出，就是整天放屁，还是激光枪一样，连环的。我昨晚上那顿迷惑喂
了5盎司，结果一晚上扭来扭去，后来实在受不了，把他捞出来，趴LG身上睡了。
另外想问一下，你们晚上还喂吗？喂几顿呢？

【在 z********i 的大作中提到】

: 一样一样.我刚刚翻本本,刚出月子的时候,娃能30OZ.现在马上3个月了,越吃越少.20-
: 26OZ了.话说,娃吃的顿数越来越少,现在一天就5顿.我就只好耐心的多喂点.一般都是
: 5OZ. 我PP一般没有我喂的多,就3.5-4OZ左右,她就很不高兴说我硬灌.今天早上告诉我
: 娃吐了点奶,都怪我不好.我嬉皮笑脸的说,没事,吐了吐就习惯了.
: 大家批评我吧.我觉得娃就是最后吃奶的时候都不专心了,我认为25OZ应该是保守的量.
: 胃是被撑大的!!!所以我坚持多喂一点.我现在坚持了3天,今天颇有效果.娃现在吃5OZ好
: 象习惯了.
: 娃今天刚12周,估计才13LB多一点点.看上去挺瘦的.我宁肯让他稍稍吐一点(他很少吐,
: 貌似他并不难受.)对我的恶果就是,刚开始吃多了一点,昨晚睡觉不安宁.虽然一直都在
: 睡,但时不时放屁,叫两声.害得他老娘我一夜无眠.

s*o2013-01-08 08:01

10 楼

这个也不一定吧，目标价只是个参考。我没有，觉得GNW主要是LIFE INSURANCE，
跟房市转暖的关系不是太大

【在 i*********n 的大作中提到】

:
: 就是叫大家赶紧抛？

z*i2013-01-08 08:01

11 楼

晚上2点左右要喂一顿。一般能在10分钟吃完5OZ。因为马上要上班了，希望他能尽早戒
掉这一顿，我刚刚很狠心的只给了4OZ。看看，快5点的时候又开叫了，重新打包，他继
续睡了。正好他老娘我一边泵奶一边灌水。还有再等一周他就完全3个月了。我决定晚
上那一顿开始给Formula了。一来我的奶太清不顶饿，二来我可以每天多存一袋冻奶等7
个月我停掉崩奶的时候，冻奶还能坚持1个月。

c*e2013-01-08 08:01

12 楼

Sometimes the target price is lower than current price. That basically means
sell.

【在 s**********o 的大作中提到】

: 6块RAISE到7块了，这评级的够蠢的，已经8块了，还预测什么7块

A*s2013-01-08 08:01

13 楼

我们家的两个月多一点，一般一顿就吃4 到5 盎司，一天吃六顿（母乳）。我从来不压
，娃吃到不想吃就停了。从来没吐过奶。体重身高都是95%。

i*n2013-01-08 08:01

14 楼

means
many other agencies still give positive

【在 c**********e 的大作中提到】

: Sometimes the target price is lower than current price. That basically means
: sell.

e*s2013-01-08 08:01

15 楼

三个月，现在全胸喂，不知道吃多少，但我肯定不多……因为每次只吃一边，另一边怎
么都不肯继续吃了，三个小时吃一次。想让他每次多吃点，然后把时间拉长些，可惜努
力很多次都做不到，算了。。
两个多月的时候还是肯吃瓶的，那时候偶尔吃瓶，每次3oz，其他时间胸喂，基本也是3
小时一次。。（我娃怎么一点进展都没有的）感觉吃得不多啊，不知道是他胃小还是怎
么的。gas挺多，少吃多餐我也忍了。不瘦，两个月checkup身高90%，体重80%，现在17
磅多，我也不勉强他多吃了，就是泵的少吃得少，奶憋回去好多。

S*n2013-01-08 08:01

16 楼

唉呀！怎跟我家的情况一模一样啊，说的都是我的心声！连婆婆的反应都一样！
我婆婆就给我一点一点的喂，１.５ＯＺ，２ＯＺ，一天下来喂了十几次．弄到晚上一
次也吃一点点,一两个小时又要吃!我现在也是好盼他每次吃多了,次数减少点啊!

【在 z********i 的大作中提到】

w*02013-01-08 08:01

17 楼

我婆婆当年也是一天喂10-20次的，每次一丁点儿。
之后娃的胃超级小啊。娃2岁了，还每顿饭吃不了几口饭，就饱了。
做家长的累啊！2 岁了，还每天N顿饭！因为人家一顿饭吃不进去几口！

唉呀！怎跟我家的情况一模一样啊，说的都是我的心声！连婆婆的反应都一样！
我婆婆就给我一点一点的喂，１.５ＯＺ，２ＯＺ，一天下来喂了十几次．弄到晚上一
次也吃一点点,一两个小时又要吃!我现在也是好盼他每次吃多了,次数减少点啊!

【在 S*****n 的大作中提到】

: 唉呀！怎跟我家的情况一模一样啊，说的都是我的心声！连婆婆的反应都一样！
: 我婆婆就给我一点一点的喂，１.５ＯＺ，２ＯＺ，一天下来喂了十几次．弄到晚上一
: 次也吃一点点,一两个小时又要吃!我现在也是好盼他每次吃多了,次数减少点啊!