A Certified Financial Planner has developed a simple system for beating the Commodity Markets on a regular basis and implementing his system in only about 30 minutes per day.  Fred Rouse, or “The Money Doctor” as he is called by his many students, has been focused on helping investors build up their portfolios for about 30 years and his methods include using an IRA to do your trading .

 Officially, the title of “Dr.” was bestowed upon Fred Rouse because his lifelong dedication to studying money and economics led him to achieve a Doctorate in Business Administration in Small Business Finance (DBA) and a PhD in Taxation. But, the veteran Certified Financial Planner® is proud to have earned his designation as “The REAL Money Doctor” from his Clients after years of being in the trenches, going above and beyond in serving their needs.

Since the mid-80s, his diversified Financial Management Group has helped hundreds of select individuals and small businesses of up to six employees throughout the greater Philadelphia area. With nearly 30 years of tax, asset protection, business and trading experience, he shows Clients how to reduce their taxes and structure their businesses for the maximum tax savings, asset protection and privacy.

For most CFPs, the story ends there. That was simply the foundation for Dr. Rouse, whose passion for trading commodities and the great success he has achieved in that realm over the years has earned him another key designation from students of the EOD (End of Day) Scalping Trading Course that he launched in 2010: “The Quiet Trader.”

Dr. Rouse has the “Only Complete Trading System” that was designed, tested and approved by a Certified Financial Planner® that guides students on how to double their annual income in less than 30 minutes per day. He adamantly insists that his students prove their results to themselves before risking any actual trading capital. With Dr. Rouse’s revolutionary approach to commodities trading, he believes it is possible for students to make a million dollars over the course of seven years and demonstrates exactly that in his webinar on money.

Dr. Rouse’s desire to share his vast wisdom has led him to become a bestselling author. His works include The END of YOUR EMPLOYMENT: 10 Keys to Your Ideal Business and The Real Money Doctor’s College Student’s Money Guide. He also penned a thought-provoking chapter called “The Truth” for Soul of Success, Vol. 1: The World’s Leading Entrepreneurs and Professionals Reveal Their Core Strategies for Getting to the Heart of Health Wealth and Success, a volume co-authored by Jack Canfield of Chicken Soup for the Soul® fame.

For those intrigued to learn more about the course, Dr. Rouse offers a free two-hour webinar in which he exposes eight mind-blowing “money lies” that the government, Wall Street and the banks have been concealing from average working Americans for decades about money, taxes and trading. He teaches people how to turn those lies around and exploit them into cash and a secure financial future for themselves and their families, so they never have to worry about money again.

Explaining the essence of the program, Dr. Rouse continues: “What the system does is simply have you review the chart to see if one line crosses the other line. If the conditions are met then, the system gives you the direction and the exact price for you to get in the next day, where to get out with a profit, and where to put a stop/loss if a trade goes against you. After reviewing the results for over a year, you can generally get in and out with a profit in the same day for most trades.”

Dr. Rouse has the first and ONLY course that tells you how to trade commodities inside of an IRA and what to expect when you do. “This is the key to real long-term financial security that people just don’t know about, including most professional advisors. In fact, after close to 30 years in business, I don’t know of any trading course or any professional advisor that covers how to do this,” he states.

“The course was designed for working people that want to get ahead but just don’t have a clear way that’s working for them,” says Dr. Rouse. “I expose groundbreaking concepts and ideas that they’ve never seen before. It’s my current quest do everything I can to ensure their long term financial security and success as traders because more money gives you more options in life.”

Read more: http://quiettrader.com/blog/about/

Media Contact:

Matt Collins
Email
800-980-1626

 

The report is in for the month of June and the results for home sales in California are showing positive once again according to the CALIFORNIA ASSOCIATION OF REALTORS®. Pending home sales were up again over 12 percent as compared to June  2014, marking the seventh straight month of year-to-year gains and the fifth straight month of double-digit advances. A breakdown of distressed sales by County is in the chart below.

LOS ANGELES, July 23, 2015 /PRNewswire-USNewswire/ — California pending home sales continued to gain steam in June, registering seven months of continued annual increases and the fifth consecutive month of double-digit increases, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.

In a separate report, California REALTORS® responding to C.A.R.’s June Market Pulse Survey saw a reduction in floor calls, listing appointments, and open house traffic, compared with May. The Market Pulse Survey is a monthly online survey of more than 300 California REALTORS®, which measures data about their last closed transaction and sentiment about business activity in their market area for the previous month and the last year.

Pending home sales data:

  • California pending home sales were up 12.5 percent on an annual basis from the revised 107 index recorded in June 2014, marking the seventh straight month of year-to-year gains and the fifth straight month of double-digit advances.
  • Statewide pending home sales fell in June on a month-to-month basis, with the Pending Home Sales Index (PHSI)* decreasing 2.6 percent from a revised 123.6 in May to 120.4, based on signed contracts.  The month-to-month decrease was slightly below the average May-June loss of 1.9 percent observed in the last seven years.
  • A shortage of available homes in the San Francisco Bay Area stifled pending sales in June, pushing the PHSI to 127.9, down 5.3 percent from 135.1 in May and down 0.9 percent from the 129.1 index recorded in June 2014.
  • Pending home sales in Southern California continued last month’s increase by rising 4 percent in June to reach an index of 109.6, up 14.2 percent from the June 2014 index of 96.
  • Central Valley pending sales fell in June, dropping 8.2 percent from May to reach an index of 99.5 in June but up 14.2 percent from the 87.2 index of June 2014.

Equity and distressed housing market data:

  • The share of equity sales – or non-distressed property sales – declined slightly in June to make up 92.4 percent of all home sales, remaining near the highest level since late 2007. Equity sales made up 92.6 percent of all home sales in May and 89.9 percent in June 2014. The share of equity sales has been at or near 90 percent since mid-2014.
  • Conversely, the combined share of all distressed property sales (REOs and short sales) rose slightly in June, up to 7.6 percent from 7.4 percent in May. Distressed sales made up 10.1 percent of total sales a year ago. Ten of the 43 counties that C.A.R. reported showed month-to-month decreases in their distressed sales shares, with Alameda and Santa Clara having the smallest share of distressed sales at 1 percent, followed by San Mateo (2 percent), Contra Costa (3 percent), and San Francisco (3 percent). Glenn had the highest share of distressed sales at 27 percent, followed by Merced and Siskiyou (both at 23 percent).

June REALTOR® Market Pulse Survey**:

  • Reversing last month’s decrease, the share of sales closing below asking price increased to 43 percent in June, up from 40 percent in May, but down from the highest point of 55 percent in January 2015.  More than a third of homes (33 percent) closed over asking price, and 24 percent closed at asking price.
  • For the one in three homes that sold over asking price, the premium paid over asking price increased in June, suggesting increased market competition among home buyers in some local markets. In June, homes that sold above asking price sold for an average of 11 percent above asking price, up from 8 percent in May and 7.3 percent in June 2014.
  • The 43 percent of homes that sold below asking price sold for an average of 11 percent below asking price in June, up from 7 percent in May.
  • The share of properties receiving multiple offers was unchanged at 65 percent in June but down slightly from 66 percent in June 2014.
  • The average number of offers per property increased slightly to 2.9 from 2.8 in May and 2.7 in June 2014.
  • REALTOR® respondents reported that floor calls, listing appointments, and open house traffic all declined in June, compared with the previous month.
  • While the majority of REALTORS® (83 percent) expect better or similar market conditions over the next year, the percentage of REALTORS® who are optimistic about conditions over the coming year has been on the decline for the past six months from 62 percent in January to 44 percent in June.

Share of Distressed Sales to Total Sales
(Single-family)

Type of Sale

Jun-15

May-15

Jun-14

Equity Sales

92.4%

92.6%

89.9%

Total Distressed Sales

7.6%

7.4%

10.1%

     REOs

3.5%

3.6%

4.4%

     Short Sales

3.7%

3.4%

5.4%

     Other Distressed Sales (Not Specified) 

0.4%

0.4%

0.3%

All Sales 

100.0%

100.0%

100.0%

Single-family Distressed Home Sales by Select Counties
(Percent of total sales)

County

Jun-15

May-15

Jun-14

Alameda

1%

3%

4%

Amador

8%

9%

23%

Butte

9%

5%

8%

Calaveras

6%

10%

16%

Contra Costa

3%

2%

4%

El Dorado

8%

5%

12%

Fresno

10%

11%

17%

Glenn

27%

0%

21%

Humboldt

16%

14%

8%

Kern

9%

8%

11%

Kings

11%

13%

25%

Lake

18%

15%

23%

Los Angeles

8%

7%

10%

Madera

9%

5%

9%

Marin

4%

2%

3%

Mariposa

20%

18%

40%

Mendocino

20%

16%

10%

Merced

23%

16%

16%

Monterey

8%

7%

13%

Napa

12%

4%

6%

Orange

4%

4%

6%

Placer

5%

6%

7%

Plumas

20%

16%

18%

Riverside

10%

10%

13%

Sacramento

11%

10%

13%

San Benito

8%

6%

7%

San Bernardino

12%

10%

17%

San Diego

4%

5%

6%

San Francisco

3%

3%

3%

San Joaquin

12%

10%

14%

San Luis Obispo

4%

6%

5%

San Mateo

2%

1%

3%

Santa Clara

1%

1%

2%

Santa Cruz

4%

4%

7%

Shasta

8%

13%

14%

Siskiyou

23%

17%

19%

Solano

21%

9%

13%

Sonoma

9%

3%

6%

Stanislaus

11%

8%

12%

Sutter

12%

13%

8%

Tulare

14%

14%

21%

Yolo

5%

2%

12%

Yuba

18%

16%

9%

CALIFORNIA

8%

7%

10%

*Note:  C.A.R.’s pending sales information is generated from a survey of more than 70 associations of REALTORS® and MLSs throughout the state.  Pending home sales are forward-looking indicators of future home sales activity, offering solid information on future changes in the direction of the market.  A sale is listed as pending after a seller has accepted a sales contract on a property.  The majority of pending home sales usually becomes closed sales transactions one to two months later.  The year 2008 was used as the benchmark for the Pending Homes Sales Index.  An index of 100 is equal to the average level of contract activity during 2008.

**C.A.R.’s Market Pulse Survey is a monthly online survey of more than 300 California REALTORS® to measure data about their last closed transaction and sentiment about business activity in their market area for the previous month and the last year.

Leading the way…® in California real estate for 110 years, the CALIFORNIA ASSOCIATION OF REALTORS® (www.car.org) is one of the largest state trade organizations in the United States with 175,000 members dedicated to the advancement of professionalism in real estate. C.A.R. is headquartered in Los Angeles.

SOURCE CALIFORNIA ASSOCIATION OF REALTORS

CONTACT: Mary Belongia, (213) 739-8363, maryb@car.org

RELATED LINKS
http://www.car.org

Gold, Silver, Copper & Oil-Oh My!

Gold prices hit a five year low earlier this week and some have attributed the decline that Chinese investors are selling to meet margin demands.  There’s also less  Chinese demand for copper, silver,  iron , oil and palladium and that decreased demand will continue through the rest of the year. You also have to factor in the relation of a stronger US  Dollar to weaker commodity prices overall.

See more about Gold and Oil

Time to Rethink IBM Stock?

There hasn’t been much to write home about when it comes to IBM stock. It’s been all negative, with a lackluster second quarter, thirteen quarters in a row with a negative performance, dubbed one of the most universally despised companies in the world, blah, blah and more blah. It’s depressing. So, why rethink IBM stock? Because IBM has over$12 billion cash from last year, its dividend yield is a decent 3.2%, and because it has increased its dividend by 18% per year over the past five years. Bob Ciura makes a case for IBM below

It’s no secret that IBM (NYSE:IBM) is struggling. IBM is one of the most universally despised companies in the world. The stock has been on a nearly unimpeded decline for a disturbingly long time. Shares of IBM are down 17% in the past year. In fact, IBM was the worst performing stock in the Dow Jones Industrial Average in both 2013 and 2014. There don’t seem to be enough negative things to say about IBM.

The criticism of IBM got even more heated after the company’s second quarter earnings, when IBM posted its 13th quarter in a row of declining revenue. One bright spot was the company’s progress in what it calls its ‘strategic imperatives’, which are higher-growth businesses like big data, the cloud, and security. Unfortunately, strong growth in these areas wasn’t even enough to satisfy analysts, who were quick to point out that these businesses are still too small to have any material impact.

But it’s worth digging deeper into IBM’s turnaround to find out whether this is actually true.

Strategic Imperatives Are Not Getting Enough Credit

It seems nobody is giving much credit to IBM for its strategic imperatives, but this is a mistake. These businesses are growing at impressive rates. Cloud revenue soared more than 70% adjusted for currency and cloud delivered as a service has reached an $8.7 billion annualized rate. Social revenue jumped more than 40% year to date excluding currency, and mobile revenue has more than quadrupled. Collectively, the strategic imperatives grew revenue by more than 30% over the first two quarters of the year adjusting for currency and divestments.

The bearish argument is that $8 billion represents a drop in the bucket for a company the size of IBM, and therefore the strategic imperatives are too inconsequential to stem the decline in IBM’s other businesses. But again, it’s worth noting that excluding foreign exchange and divestments, the overall decline is very modest. And, should those businesses keep growing anywhere close to 30% per year, it won’t take long at all for those businesses to become a very important part of the overall company.

This is already starting to happen. IBM stated in its 2014 annual report that in 2009, its strategic imperatives represented just 13% of its total revenue. Last year, these businesses accounted for 27%, more than doubling in that time. This year, the percentage will be even higher, and that should only continue going forward.

Read more about IBM here

 

 

 

 

 

 

 

Passive Income From Stock Investing

It’s the stuff of dreams. I like to call it “mailbox money”. It’s not for everybody and it’s not very exciting, but man, it works. In fact it works really, really well. Here’s one guy’s story that collects $450,000 from his “mailbox”.

Retired since 1975, Harry is an experienced investor who has been able to survive and thrive from his initial investment decisions. When I see him, we talk mainly about the stock market, and how to be successful in it. During my last chat with Harry, I asked him whether he has ever sold a stock. His answer surprised me. He said, “No.”

Think about that. Here is someone who invested roughly $700,000 in a basket of stocks, and has never sold a single company he bought in the last 40 years. That is not to say he has not bought anything since 1975. He does reinvest his dividends in new companies, and due to mergers and acquisitions, he will come into new cash that he can invest. He told me this, “I have over five million people working for me right now, and they pay me 9¢ each to work for me.” He told me he is paid $450,000 in dividends from his initial investments in 1975. This is a man who literally survives primarily on his dividend income.

See the full story by Thomas Pound

Stock-VectorsA majority of investors today are well versed in the myriad of investment vehicles and strategies available for creating and maintaining wealth. Also, like most investors we all have our own comfort zone when it  comes to investing in some of these strategies. So it came as no surprise when a survey conducted by John Hancock showed that up to 70% of these investors prefer to have some control of where their money is actually going. Read the full article below…

 

BOSTON, July 20, 2015 /PRNewswire/ — Nearly 70 percent of investors say they act as partners with their financial advisors in exploring options and making final decisions regarding financial matters, according to a recent John Hancock survey, while one quarter say they accept what their advisor recommends for them. Many investors feel that listening and partnering pays off, as 34 percent report that the value of their investments has increased substantially due to their advisors’ recommendations.

The findings were drawn from the second quarter 2015 John Hancock Investor Sentiment Survey, a quarterly poll of affluent investors.  The survey measures investors’ feelings about the current economic climate and their evaluations of what represents a good or bad investment given the current environment. The poll also asks consumers about their confidence in reaching key financial goals and likelihood of purchasing financial products and services.

Asked how they liked to interact with their financial advisor, the most popular choice was on a face-to-face basis (70 percent), while nearly as many indicated a desire for telephone contact. Very few cite text messaging (five percent), Skype/video chat (two percent), social media or podcasts (less than 0.5 percent) as their communication preference.

The survey found that investors primarily look to advisors for a plan to manage their investments (70 percent). Two-thirds work with an advisor to develop a retirement plan.  Half of those surveyed said they look to their advisor to produce a comprehensive financial plan for major life events and goals. Only 20 percent of investors say their advisors made recommendations or a plan to deal with the risk of death, disability, critical illness or other risks.

When it comes to improving their experience with a financial advisor, 30 percent of investors say more in-person interaction would improve their experience. Nearly 20 percent say that regular electronic updates about the account are a good way to improve client experience.

About the John Hancock Investor Sentiment Survey
This online survey was conducted by independent research firm Greenwald & Associates.  A total of 1,064 investors were surveyed from May 11th to May 22nd, 2015. To qualify, respondents were required to participate at least to some extent in their household’s financial decision-making process, have a household income of at least $75,000, and assets of $100,000 or more. The data were weighted by age and education to reflect the population of Americans matching the survey’s qualification requirements. In a similarly-sized random sample survey, the margin of error would be plus or minus 3.1 percentage points at the 95 percent confidence level.  Due to rounding and missing categories, numbers presented may not always total to 100 percent.

About John Hancock Financial and Manulife
John Hancock Financial is a division of Manulife, a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Operating as Manulife in Canada and Asia, and primarily as John Hancock in the United States, our group of companies offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Assets under management by Manulife and its subsidiaries were C$821 billion (US$648 billion) as at March 31, 2015. Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife can be found on the Internet at manulife.com.

The John Hancock unit, through its insurance companies, comprises one of the largest life insurers in the United States. John Hancock offers and administers a broad range of financial products, including life insurance, annuities, investments,  401(k) plans, long-term care insurance, college savings, and other forms of business insurance. Additional information about John Hancock may be found at johnhancock.com.

SOURCE John Hancock Financial

CONTACT: Beth McGoldrick, (617) 663-4751, bmcgoldrick@jhancock.com

RELATED LINKS
http://www.jhancock.com

How to Achieve 80%+ Winning Stock Trades

Winning Stock TradeAfter a pretty impressive Bull Market run of over 1400 days, the S&P 500 seems to be in a sideways pattern for the moment and it has a lot of investors nervous. The old adage of “what goes up, must come down” comes into play. Is the market regrouping or headed for a major correction?  No one really knows and some people like Andy Crowder really don’t care. In his mind, it doesn’t matter if the Market moves up or down, he still makes money.

The S&P 500 has entered the third longest bull market in U.S. stock market history.

What is even more amazing is that during this bull market run the S&P has gone approximately 1,450 days without a 10% correction. The steady climb higher has no doubt made almost everyone exposed to equities a winner since 2009.

But the charge upward has slowed down dramatically over the past eight months. Since the beginning of November 2014, the S&P 500 has pushed higher roughly 5%, and most of those gains came in the last two months of 2014.

The market has remained relatively flat in 2015, vacillating between slightly positive and negative. There is no doubt that uncertainty has entered the market.

So, as an investor, are we supposed to sit on our laurels and allow Mr. Market to dictate our returns?

We all look like financial geniuses when the market is going higher. Investors take all the credit for their success when the market is soaring, but blame other factors, such as geopolitical concerns or central bankers, when investments sour. The talking heads make sure the culprits are front and center to make the blame game that much easier.

But, I don’t really care.

See the rest of Andy’s article

 

Zacks 3 Top Breakout Stocks

Finding stocks with a clear long term upward pattern is pretty exciting for most investors and Zacks shows three stocks that you can invest in right now. You can ride the on going momentum now and/or short the stocks at a later time. See the full article at Breakout Stocks

Florida Housing Prices Report

Florida’s housing market wrapped up 2014 with more closed sales, more new listings and higher median prices compared to the year before, according to the latest housing data released by Florida Realtors®.

“In December and throughout 2014, we’ve seen positive signs that Florida’s housing sector is on a steady, sustainable path,” said 2015 Florida Realtors President Andrew Barbar, a broker with Keller Williams Realty Services in Boca Raton. “Sales are moving at a steady, moderate pace and home prices are stabilizing. Florida’s economy continues to grow, more jobs are being created and mortgage interest rates remain at historically low levels, which will help drive the state’s housing market forward in 2015.”

December 2014
Statewide closed sales of existing single-family homes totaled 22,414 in December, up 15.8 percent compared to the year-ago figure, according to data from Florida Realtors Industry Data and Analysis department in partnership with local Realtor boards/associations. Closed sales typically occur 30 to 90 days after sales contracts are written.

New listings of single-family homes for sale last month reached 24,840, up 2.9 percent year-to-year. Meanwhile, the statewide median sales price for existing single-family homes in December was $185,000, up 6.9 percent from the previous year. December marked the 37th month in a row that statewide median sales prices for both single-family homes and townhome-condo properties rose year-over-year.

According to the National Association of Realtors® (NAR), the national median sales price for existing single-family homes in November 2014 was $206,200, up 5.6 percent from the same month a year ago. In California, the statewide median sales price for single-family existing homes in November was $445,280; in Massachusetts, it was $330,000; in Maryland, it was $250,424; and in New York, it was $227,500. The median is the midpoint; half the homes sold for more, half for less.

Looking at Florida’s year-to-year comparison for sales of townhouse-condos, a total of 9,466 units sold statewide last month, up 11.3 percent compared to December 2013. Meanwhile, new listings of townhome-condos reached 12,438 last month, up 3.4 percent year-to-year. The statewide median for townhouse-condo properties was $149,000, up 8.4 percent over the previous year. NAR reported that the national median existing condo price in November 2014 was $199,000.

“The December numbers are strongly positive for both the single-family and condo markets,” said Florida Realtors Chief Economist Dr. John Tuccillo. “We are seeing the steady and sustainable growth that has characterized the market the entire year continuing as the year ends. Of particular note is the inventory levels in the balanced market range: We’re keeping a close eye on the lack of inventory in the lower price ranges, but by and large, the market is in very good shape.”

Year-end 2014
Statewide closed sales of existing single-family homes totaled 244,543 in 2014, up 8.1 percent compared to the 2013 figure, according to data from Florida Realtors Industry Data and Analysis department in partnership with local Realtor boards/associations.

New listings for existing single-family homes rose 7.4 percent in 2014 compared to 2013. The statewide median sales price for single-family existing homes in 2014 was $178,000, up 5.3 percent from the previous year.

Looking at Florida’s year-to-year comparison for sales of townhouse-condos, a total of 108,354 units sold statewide in 2014, down slightly (-1.2 percent) from 2013. The closed sales data reflected fewer short sales in 2014 compared to the previous year: Short sales for condo-townhouse properties declined 58.2 percent while short sales for single-family homes dropped 50.7 percent.

New listings for townhouse-condos for the year increased 2.2 percent compared to a year ago. The statewide median for townhouse-condo properties in 2014 was $140,000, up 9.8 percent over the previous year.

At the end of 2014 and also for December 2014, inventory for single-family homes stood at a 5.2-months’ supply, while inventory for townhouse-condo properties was at a 5.9-months’ supply, according to Florida Realtors.

Florida Realtors Chief Economist Dr. John Tuccillo said, “We close the books on 2014 on a very positive note. The year marks the transition of the Florida real estate market from a rapid recovery to a path of steady growth. Virtually all the metrics for the market are moving in the right direction at levels that can be sustained.”

The interest rate for a 30-year fixed-rate mortgage averaged 4.17 percent for 2014, up from the previous year’s average of 3.98 percent, according to Freddie Mac.

To see the full statewide housing activity reports, go to Florida Realtors Media Center at http://media.floridarealtors.org/ and look under Latest Releases, or download the December 2014 and the Year End 2014 data report PDFs under Market Data at: http://media.floridarealtors.org/market-data

Florida Realtors®, formerly known as the Florida Association of Realtors®, serves as the voice for real estate in Florida. It provides programs, services, continuing education, research and legislative representation to its 140,000 members in 58 boards/associations. Florida Realtors® Media Center website is available at http://media.floridarealtors.org.

SOURCE Florida Realtors

CONTACT: Marla Martin, Media Relations and Communications Manager, orJeff Zipper, Vice President of Communications; 407/438-1400, ext. 2326 or 2314

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