Category Archives: Business

Another Year, Another Set of iPhones

By Chris Acampora

It’s fall—that means the leaves are changing, a new school year has begun, and, of course, new iPhones have been released. Last year, Apple gave us the iPhone X, a new, larger phone with an edge to edge screen that unlocks with facial recognition instead of scanning a fingerprint. It was also $1,000—which was the greatest takeaway for most people in the market for a new phone. Did Apple learn its lesson that people won’t pay $1,000 for a phone? Nope. This year’s iPhone XS still starts at $1,000, and is visually identical to its predecessor; meanwhile, its larger sibling, the iPhone XS Max, starts at a hundred dollars more.

The iPhone XS in gold at Apple’s announcement in September

What changed from the iPhone X to the iPhone XS, you might ask? If you have an iPhone X, there’s not so much different that would make it a worthy upgrade. But if you’re looking to upgrade from an older phone, the XS adds a few key things that might sweeten the deal. If you’re a photographer, you’ll love the new camera with Smart HDR that is able to combine multiple versions of the photo you’re taking so it’s not too bright or dark. If you’re a fan of larger phones, you’ll like that the XS Max  fits an even bigger screen on a phone that’s the same size as previous Plus models. And if you’re clumsy, you’ll like the new glass that is harder and less likely to crack. Of course, there are also the typical yearly upgrades: it’s faster—with faster Face ID, camera and data speeds. It also has a longer-lasting battery. The most noticeable change, however, is the new gold color that sits alongside the typical white and black models.

The new iPhone XR in orange, red, blue, and yellow

Those who want more color, though, will like the iPhone XR, which comes in blue, yellow, orange, and red in addition to white and black—similar to the iPhone 5C back in 2013. This new iPhone, priced below the iPhone XS and XS Max at $750, falls in between the iPhone XS and XS Max size-wise. It still has most of the same features as the iPhone XS, like Face ID, a faster processor, and a better camera. But there are few compromises to reach that lower price tag. The iPhone XR doesn’t get the fancy high accuracy screen like the iPhone XS or a dual camera setup, and the sides of the phone are matte aluminum instead of the polished stainless steel of the iPhone XS. It’s also slightly thicker too, but that is what gives it the longest battery life of any iPhone, ever.

A size comparison of Apple’s new larger phones, the XS Max, XR. and XS

Overall, people in the market for a new iPhone have a lot of options when it comes to which phone to pick. Now there are different screen sizes, different price tiers, and different colors. While there’s the top of the line iPhone XS Max with 512gb of storage at a little under $1,500, there’s also the iPhone 7 still hanging around at $450, proving there’s a different iPhone for everyone.

Stock Report: Delta Air Lines

Delta Air Lines is an American airline company that fulfills over 5,400 flights daily. The company was founded on May 30, 1924 and belongs to the SkyTeam airline alliance. The company is valued at $35.89 billion, a large cap stock, with a 1.70 percent dividend yield. It competes with companies like Southwest, Continental, JetBlue and so on. Warren Buffett has turned much attention to this company when he announced that he invested.

Recent News

11/2/16: Delta Airlines is Looking to AirBnb to Boost Business

Under a marketing agreement with AirBnb, Delta customers can earn award miles toward free flights when booking stays with Airbnb. Delta is the world’s second largest airline in passenger traffic and will compete with Virgin America. Airbnb will pay Delta for the miles its airline customers accrue through bookings, just like hotels do, a spokesman for the Atlanta-based carrier said. AirBnb hopes to draw in new customers with this marketing agreement.

11/20/16: Delta Introduces an App to Keep Track of Luggage

 “Travelers are able to check a map in their app to see the last scanned location of their bags, providing peace of mind they’ll be waiting for them on the carousel when they land,” the company wrote in a statement announcing the app and a chip tag.

When loading bags, a light will flash green if everything is on track or red to alert a handler that  a bag may need more attention. This technology can prevent, or help minimize, the loss or mishandling of luggage in an airport.


Delta’s stock price is very fairly valued at a 7.93 P/E ratio. The price for one share of Delta Airlines is $49.24. I think DAL is a buy because of the rise in airline use as well as the recent investment by Warren Buffett’s company, Berkshire Hathaway, which purchased$249.3 million worth of Delta shares. The investment is not at all risky considering that the airline business isn’t going anywhere. In my opinion, if a billionaire’s company invests $250 million in ONE company, private investors should follow. On top of the bright future for Delta, it provides its investors with a 1.65 percent dividend annually. Invest in Delta Airlines with confidence and hold for a while!

Stock Report: Tesla Motors

Tesla Motors, Inc. is an American auto maker that specializes in the creation of electric cars. It was founded in July 2003 and first gained attention after the announcement of the Tesla Roadster. The company is valued at $29.2 billion; a large cap stock. Some competitors are GM, Ford, Toyota and Nissan, each significantly larger in cap than Tesla. Tesla’s Model S has turned Tesla Motors into a significant and competitive company.

Recent News

10/19/16: All Tesla Vehicles Being Produced Now Have Self-Driving Hardware

Elon Musk, co-founder and CEO of Tesla Motors, announced that all new vehicles will have self-driving hardware, including the upcoming Model 3. The hardware being installed includes cameras mounted behind the windshield, two on each side of the car, and one in the rear, for a total of 8 cameras and 12 ultrasonic sensors to detect blind-spot movement. This should increase earnings in the future because, as of now, Teslas are some of the only residential cars with the feature. Tesla has been huge in the news as of late, stock price is unpredictable.

10/28/16: Elon Musk Announces Solar Roof Tiles

During a presentation, Elon Musk explained that Tesla would begin to produce solar roof tiles to power heating, electricity and, if you have one, a Tesla vehicle. The tiles will take in solar energy during the day and store the energy in a battery to be used at any time. This energy will then power all electronics, as well as heating. It will also provide energy to power the Power Wall, which charges your Tesla vehicle, indefinitely. The shingles will come in four different styles that provide the same features: textured glass, slate glass, Smooth glass and Tuscan glass. They are scheduled to start at a price point of around $70,000 compared to a $20,000 asphalt roof and $45,000 slate roof, based on a 3,000 sq ft. house. There is no known release date, but these roofs will presumably end up on everyone’s homes, with around 5 million new roofs installed each year in the US alone. Tesla is a buy-and-hold-on-tightly stock for the next, God knows, how many years. Very good investment.


Stock price is unbearably over-valued from a P/E standpoint, buy from an upside and potential standpoint, a good investment (in my humble opinion.) Teslas are becoming outrageously popular with some 300,000 pre-orders on the upcoming Model 3, which requires a $1,000 down payment. My opinion on the stock is a strong buy because I LOVE where the company is headed and its innovation is thrilling. Investing in the company is very risky as the company is very innovative but has failed to earn money in every quarter but two this year. The numbers show that this company should be avoided, but with high risk comes high return, so invest at your own risk!

Stock Report: Apple, Inc.

Apple, Inc. was founded in 1976 with the purpose of developing and selling personal computers and has grown into a company that develops and sells its own consumer electronics. Some of Apple’s competitors are Samsung, Google and LG. Currently, Apple rules the market from a cellular standpoint with Samsung taking a dive after their Note 7 device was recalled with cases of exploding batteries. Apple is a large cap company worth $612.61 billion and is the most popular cell phone brand around the world with its iPhone. Apple dominates the consumer tech industry considering that I own an iPhone, Macbook air and an iPad.

Recent News

9/7/16: Apple Unveils iPhone 7

Apple unveiled its newest iPhone model in the iPhone 7 and 7 Plus. The iPhone 7 is the fastest iPhone to date containing Apple’s A10 chip. Some new specs are the upgraded cameras: iPhone 7 and 7 Plus have 12MP cameras, but 7 Plus has dual cameras. Each comes with upgraded screen resolutions and are both water resistant. Multiple reports reveal that the water resistance is much better than advertised. Both phones also come in Matte black, Jet black, Gold, Rose gold and Silver.

10/27/16: Apple, Inc. unveils Macbook Pro

Apple just announced its new Macbook Pro, which includes a touch bar on the top of the keyboard. This touchbar allows the user to access features such as volume and other controls as well as Touch ID. Touch ID is a feature that allows users to use their pre-loaded credit card or PayPal to purchase things easily from online merchants. The new personal computer is 17 percent thinner than its predecessor and has a 2x larger trackpad. It also includes Apple’s most advanced Retina display ever.


One share of Apple stock costs $113.72 with a $13.68 P/E ratio. Apple reported its earnings on October 28th and earnings are down. Based on recent news, the company is a bullish company and, despite declined earnings, should bounce back by the time the next iPhone season rolls around. For me, Apple is at a buy and will continue to be the most dominant electronics company in the market and gain Samsung customers looking for a reliable, safe phone. Overall, this company has shown what it is worth and will continue to win in the cellular and computer departments for years to come.

Stock Report: Under Armour

So, let me start by saying that Under Armour is an athletic apparel business valued at $16.52 billion, which makes it a large cap stock. Some of UA’s competitors are Nike and Adidas. To compare, Nike, Inc. is also a large cap stock, valued at $86.21 billion and Adidas is valued at $34.22 billion. Under Armour was founded in 1996 and is one of the top suppliers of sports and casual apparel. It now endorses many big name athletes such as Cam Newton, Stephen Curry, Tom Brady, Bryce Harper, Jordan Spieth and many more.

Recent News

Oct. 16: Under Armour will replace Majestic as MLB on-field jersey supplier

Under Armour makes deal with MLB, and reportedly will become on-field jersey supplier for MLB players starting in 2020. For the company, this is huge. Every MLB player will wear jerseys with UA branding. This is great advertisement on-field, as well as off. Anyone who sports a new Bryce Harper jersey will have a small Under Armour logo on their chest. This will increase earnings and advertisement for the company in general.

Oct. 21: Under Armour unveils the Curry 3 basketball shoe

underarmour2This past Friday, the Curry 3 was unveiled in San Francisco, set to release on October 25th. Under Armour’s popularity has skyrocketed along with the Curry shoes over the past few years. Stephen’s first signature model, the Curry 1, retailed for $120. The Curry 2 retailed for $130, the 2.5 $135, and the upcoming 3 will be $140. The Curry line is one of the best-selling players’ sneaker lines out right now. Presumably, the popularity of the brand will only increase when the Golden State Warriors, seemingly the most overpowering team in basketball history, begins its season on October 25th. Stephen will receive more press than ever and should drive up the stock of Under Armour substantially.


The stock itself costs $37.94 and is brutally overvalued with a 98.55 P/E ratio. (The P/E Ratio is used to measure a company’s current share price relative to its per-share earnings.) The company will report its third quarter earnings and there should be no surprise earnings. Based on recent news, this stock is a long-term buy and hold for investors. Even though overvalued, the company is slated to do well beyond 2020. Within the next year, earnings should be up with what will be one of the top-selling basketball shoes on the market. Overall, the company is overvalued with a bright future and large upside.