ScotiaBank-Own 103+ shares in Roth IRA with DRIP.  Cap is 79.2.  Yield is 3.85.  BV is at Growth is pretty tepid at 8ish.  Good return on equity at 19.  Debt is modestish.  Book is at 40ish per share.  The stock is a good buy at 60 probably.  Currently selling at 65.81.  And I have my shares at an average of 58.89.  This stock is a hold in my opinion.  Especially in the retirement account.  Good solid stock.  Not GREAT.  But good.  IMHO.

BAC-Cap is at 319 now.  Warren has a big stake.  Going to have a crazy 4th quarter ’17 earnings report.  P/E is at 17.  Yield is at 1.54. Analysts are bullish.  Big time eps projections.  Book is at 26/share.  Margins are great.  They have some debt and return on equity is lowish, but I think they are primed to grow.  Hold buy on dips unless something huge happens.

BRK.B-HOLD.

C-p/e is at 14.  Cap is at 203.  BV is at 86/s75hare p/b is estimated at about 1.  Earnings are projected to be good going forward.  Buybacks dividends coming along.  Return on equity is the question.  I’m slightly worried about this one time hit to earnings that citi is going to announce very soon.  Analysts are neutral ish. I really think this is an undervalued bank.  I’ll continue to buy Citi.  It’s a good play.

V & MA-love em.  Buy em.  Big beneficiaries of tax reform.  Better plays than PM for dividends in the future.  The risk is regulation/litigation/blockchain I guess.  Visa probably better than ma.