Options to Get Out Of Debt

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With the end of the recession seemingly no where in sight, there are millions of Americans looking for debt consolidation information with the increase in demand for debt consolidation and debt relief, there has been a growth in supply within these types of services, conversely this doe's not equate to a better overall service. It is therefore in the consumer's interest to gather as much information and filter out what is and isn't relevant to them and the factual from the mediocre. Young Families looking to become debt free can be in a vulnerable position and...

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Symantec?s Norton Fights Off Windows 8 Threat, Heads To $20

Symantec is now facing new competition from Microsoft's Windows 8 that boasts of providing comprehensive security features and poses a challenge to the consumer antivirus market as a whole. We currently have a Trefis price estimate of $20.35 for Symantec stock, about 25% above the current market price.

Source: http://www.forbes.com/sites/greatspeculations/2011/09/30/symantecs-norton-fights-off-windows-8-threat-heads-to-20/

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Financial Freedom - Is It Possible Today?

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We are all looking for financial freedom. Today I examine what that means and what we need to do to create financial independence forever.

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This Week's Leaders and Laggards

After a wild third quarter, the market seems to have popped a few Peptos and stabilized at least a little bit this week, although a late Friday drop sent the S&P 500 lower for the week. With little macro data news, investors turned their focus overseas (to Europe's debt crisis) and on third-quarter earnings season, which kicks off in just over a week.

Company-specific news is mostly what drove stocks this week. Here's a closer look at some of the S&P 500's most notable movers.

Still Getting Off the Mat

A few companies continued to struggle this week as expectations for the third quarter were revised. These three companies led the laggards this week:

Source: Finviz.com

The chips are down: Chipmakers came under pressure this week when AMD lowered guidance for the third quarter and Micron Technologies (MU) reported a loss for the fiscal fourth quarter. AMD is still expecting revenue growth but at a more modest rate of 4% to 6%. So far this week, shares have fallen 17.7%.

Solar burn: Any company involved in the solar industry had a rough time this week, and MEMC Electronic Materials was no different. Polysilicon prices continue to be under pressure, which helped send MEMC down 14.2% for the week. There doesn't appear to be much light at the end of the tunnel for suppliers, which are being squeezed by lower module demand and more vertical integration at solar manufacturers.

Flixbuster sequel: The mess at Netflix continued this week as investors bet against the company's plan to split into streaming and DVD businesses. Shares fell 11% yesterday alone, and investors who were once giddy about Netflix's future have turned into the company's biggest haters.

It's Good To Be On Top

On the other end of the spectrum, some companies bucked the bear trend and rose. Several financial stocks, in particular, got a nice lift. Minor steps toward allaying the market's concern over Europe's debt problems led to some financial stocks bouncing higher this week. Here are three of the notable movers.

Source: Finviz.com

Fizzy financials: Genworth Financial and Aflac traded significantly higher this week as the market's concerns about Europe took a temporary break. Germany's Parliament voted to expand a bailout fund for Europe's most troubled countries. This seems to be an up-and-down sector every week, but this week Genworth Financial climbed 12.8%.

Loving the leases: Every few quarters, the real estate value argument is recycled with Sears Holdings as a way to unlock value. This week, that thesis may have turned into more of a reality as the company opened up most of its locations to leases from interested retailers. Investor Eddie Lampert has not been able to turn the retailer around and may be trying to cash out any value that's left. So far, investors like what they see.

Big wheels turning: This week, reports that China's auto market was seeing record demand sent Goodyear higher as tire makers expect to sell a record number of tires. Rubber prices also increased, but tire manufacturers should be able to pass on the increased cost to customers. J.D. Power estimates that global car and light commercial vehicle sales will rise 4% this year and 10% in 2012, so investors are trying to beat the rush into the sector.

One Eye on the Past, One Eye on the Future

The third quarter has been rough for most investors, but tomorrow starts a whole new quarter. Earnings season truly gets under way when Alcoa (AA) releases earnings on Oct. 11, and that's when we'll find out if this quarter's fears were truly justified. Something tells me there will be a lot of companies that will surprise investors on the upside.

Motley Fool contributor Travis Hoium does not have a position in any company mentioned. You can follow Travis on Twitter at @FlushDrawFool and check out his personal stock holdings. The Motley Fool owns shares of Aflac. Motley Fool newsletter services have recommended buying shares of Netflix and Aflac, as well as creating a bear put spread position in Netflix.


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Source: http://www.dailyfinance.com/2011/09/30/this-weeks-leaders-and-laggards/

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Bachmann: China Attacked US Satellites With Lasers


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No stranger to controversial, loosely-sourced remarks, presidential hopeful Michele Bachmann said on Friday that China has attacked American satellites using laser beams.

According to Politico, Bachmann said in an interview with conservative radio host Laura Ingraham that China helped North Korea deliver missiles to Pakistan and Iran, assisted Iran in developing its nuclear program, and launched a laser attack against American satellites.

“They’ve also been engaged in industrial espionage against the West as well," Bachmann said. "And they actively have engaged in cyber attacks both on our military and on our commercial companies.”

Bachmann prefaced her claims by noting that she's a member of the House Intelligence Committee, and is therefore privy to top secret information. However, she did not cite a source for her laser claim except to say that it came from a document she'd seen.

Earlier this month, Bachmann claimed that the HPV vaccine can cause mental retardation. That claim, based solely on the anecdotal testimony of one mother Bachmann spoke to, was quickly debunked.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/-6s1diPZCws/bachmann-china-attacked-us-satelites-with-lasers-2011-9

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Five Months Down For Stocks: Time For A Bounce?


5 month negative returns

Goodbye September!  The S&P 500 is sporting a healthy 10% decline for the year and nearly an 18% drop from the peak.  The recommendation to move primarily to cash and fixed income back in April has served us well.  So, what about October? 

October has been the month that has seen the end of bear markets more often than not.  Unfortunately those bear market endings generally consisted of very large declines.   The month of October this year is, unfortunately, laden with risks.   The government is still engaged in trench warfare which means little assistance from the Whitehouse.  The Fed has effectively thrown the towel in at this point with "Operation Twist" which will do little to bolster the economy or the financial markets.  The Greece/Europe standoff is quickly coming to a head and Greece will most likely have to default which will put tremendous pressure on the European economy.   Europe and China are slowing rapidly and it is a race to see whether it will be the US that drags the world in to a recession or vice versa.  As you can see there is more than enough systemic risk to disrupt the markets.   Unfortunately, we are going to plaster those systemic risks with a good solid coat of financial risks as the 3rd quarter earnings season kicks off.   Analysts estimates remain very high and earnings season could prove to be a disappointment with the slowing of corporate profits combined with a weakening of incomes and a despondent consumer.

Now for the stats.  September was the 5th negative month of returns in a row which has only happened 5 times previously.  The reason I point this out is twofold.

5 month average returns

First, there have been numerous analysts pointing this fact out lately touting that this is the time to get back into stocks because of the rarity of 5 month negative return periods.   However, a look at the data tells us a potentially different story.  

If we average each of the 12 months following 5 months of negative declines and look at average monthly returns we find  that the better buying opportunity generally comes after a reflex bounce.  

This is assuming that September was the bottom. 

Which brings me to my second point.  What if September wasn't the bottom?

6 month neg returnsWhat these analysts don't tell you is what happens if October turns out to be a negative month as well?   There have been four 6 month periods of negative returns the markets since 1930.   After each 6 month period the market did indeed bounce.  Unfortunately, 3 out of 4 times those bounces let to brutal market declines with one of those 6 month periods bouncing before starting a slide into the 9 month long crash of 1974 which still holds the record.

Also, what is interesting is that after 6 months of negative returns a 3 month bounce occurred 3 out of 4 times which turned out to be a suckers rally.  The subsequent six months led to negative return and that second bottom, with the exception of 1974, was the better buying opportunity.

With the both a high level of financial and systemic risks in the market today combined with a lack of support from the Federal Reserve, the odds of a strong rebound from these levels looks questionable. 

If September turns out to be the bottom of the market then our technical indicators will signal to us a better time to wade cautiously back in to the risk pool.   However, if October turns out to be negative then most likely we have much more work to do before a better buying opportunity presents itself. 

6 month average returns

Finally, if our economic models are correct and we are on the verge of a second recession then stocks do have further downside risk.  A reflexive rally is certainly possible BUT should be sold into.  This is the first rule of trading during negative market trends as we currently witness today.  During an average recessionary bear market stocks decline by 33% on average.  As stated previously, with the markets currently down around 18% from the peaks this year, this leaves roughly another painful 20% to go.  Of course, I did say "average" recession.  In the current economic environment my concern is that the next recession will be anything but "average". 

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Source: http://feedproxy.google.com/~r/businessinsider/~3/sBZeu6ot3qE/five-months-down-for-stocks-time-for-a-bounce-2011-9

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This Week's Leaders and Laggards

After a wild third quarter, the market seems to have popped a few Peptos and stabilized at least a little bit this week, although a late Friday drop sent the S&P 500 lower for the week. With little macro data news, investors turned their focus overseas (to Europe's debt crisis) and on third-quarter earnings season, which kicks off in just over a week.

Company-specific news is mostly what drove stocks this week. Here's a closer look at some of the S&P 500's most notable movers.

Still Getting Off the Mat

A few companies continued to struggle this week as expectations for the third quarter were revised. These three companies led the laggards this week:

Source: Finviz.com

The chips are down: Chipmakers came under pressure this week when AMD lowered guidance for the third quarter and Micron Technologies (MU) reported a loss for the fiscal fourth quarter. AMD is still expecting revenue growth but at a more modest rate of 4% to 6%. So far this week, shares have fallen 17.7%.

Solar burn: Any company involved in the solar industry had a rough time this week, and MEMC Electronic Materials was no different. Polysilicon prices continue to be under pressure, which helped send MEMC down 14.2% for the week. There doesn't appear to be much light at the end of the tunnel for suppliers, which are being squeezed by lower module demand and more vertical integration at solar manufacturers.

Flixbuster sequel: The mess at Netflix continued this week as investors bet against the company's plan to split into streaming and DVD businesses. Shares fell 11% yesterday alone, and investors who were once giddy about Netflix's future have turned into the company's biggest haters.

It's Good To Be On Top

On the other end of the spectrum, some companies bucked the bear trend and rose. Several financial stocks, in particular, got a nice lift. Minor steps toward allaying the market's concern over Europe's debt problems led to some financial stocks bouncing higher this week. Here are three of the notable movers.

Source: Finviz.com

Fizzy financials: Genworth Financial and Aflac traded significantly higher this week as the market's concerns about Europe took a temporary break. Germany's Parliament voted to expand a bailout fund for Europe's most troubled countries. This seems to be an up-and-down sector every week, but this week Genworth Financial climbed 12.8%.

Loving the leases: Every few quarters, the real estate value argument is recycled with Sears Holdings as a way to unlock value. This week, that thesis may have turned into more of a reality as the company opened up most of its locations to leases from interested retailers. Investor Eddie Lampert has not been able to turn the retailer around and may be trying to cash out any value that's left. So far, investors like what they see.

Big wheels turning: This week, reports that China's auto market was seeing record demand sent Goodyear higher as tire makers expect to sell a record number of tires. Rubber prices also increased, but tire manufacturers should be able to pass on the increased cost to customers. J.D. Power estimates that global car and light commercial vehicle sales will rise 4% this year and 10% in 2012, so investors are trying to beat the rush into the sector.

One Eye on the Past, One Eye on the Future

The third quarter has been rough for most investors, but tomorrow starts a whole new quarter. Earnings season truly gets under way when Alcoa (AA) releases earnings on Oct. 11, and that's when we'll find out if this quarter's fears were truly justified. Something tells me there will be a lot of companies that will surprise investors on the upside.

Motley Fool contributor Travis Hoium does not have a position in any company mentioned. You can follow Travis on Twitter at @FlushDrawFool and check out his personal stock holdings. The Motley Fool owns shares of Aflac. Motley Fool newsletter services have recommended buying shares of Netflix and Aflac, as well as creating a bear put spread position in Netflix.


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Source: http://www.dailyfinance.com/2011/09/30/this-weeks-leaders-and-laggards/

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The One Chart That Shows How The World Changed In Q3


If you want to know what happened in Q3, it was basically this:

The yield on 10-year Treasuries plunged from over 3% at the end of June to below 2% today.

This represents a rapid downdraft in growth and inflation views, and a general spike in fear.

BTW: Remember how we got downgraded this quarter? Lol.

chart

For more on what happened on this ugly last day, see here >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/tiQin6qEbgM/10-year-treasury-yield-in-q3-2011-9

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