Seven Days in May?

We noted last night only four other times in the past fifty years has the S&P500 opened May with three consecutive down days.   We find this type analysis great cocktail chat, at best interesting, but not very actionable.  Nevertheless, today’s S&P decline narrows the field to only one other time since 1950 (the beginning of our times series) has the S&P500 traded down in the first four days of the month of May.   The chart below shows that in 1966 the S&P declined in the first six days of May.   Seven Days in May?

The ball is now in Asia’s court and we are watching China and the Hang Seng, which needs to hold 22,600 for the violence in the commodity markets not to spill into equities.  We’re not making a bet it will but definitely staying on McSwan watch.  (click here if chart is not observable)


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Filing For Bankruptcy? Understand The New Bankruptcy Law Before You Proceed

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Ever since the Congress passed the new bankruptcy law in 2005, there has been plenty of confusion among consumers who may be contemplating filing for bankruptcy to get relief from their debts. Many of them are unsure about their eligibility under the new law, the changes in the law and how it is likely to affect them. The motivating factors behind the new law are the extension of relief to genuinely debt-ridden consumers who are serious about repayment and prevention of misuse of the system.

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OIL CRASHES, SILVER CRASHES, DOW OFF 200

It started off as a silver rout. The metal was at $50 last week. Now it's around $35.

Oil is also plunging. It was over $110 a couple days ago. Now it's just above $98.

And at first equities were holding up, but now it's getting ugly. The Dow is off 200.

The Dow is off 180.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/2DLiVAF6k0o/now-equities-are-joining-in-the-plunge-dow-off-180-2011-5

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Search Recommendation From A Lawyer To Acquire An Understanding Of Chapter 13 Bankruptcy Rules

Together with the financial local weather in the situation it is in, plenty of folks finally find that barely making it daily is beginning to develop into extra difficult. The majority of people in America lived salary to salary at present, in addition to a considerable amount of families had each dad and mom working [...]

Source: http://www.legaldebthelponline.com/2011/05/05/search-recommendation-from-a-lawyer-to-acquire-an-understanding-of-chapter-13-bankruptcy-rules/

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When You Want To Arrange Debt Consolidation Apply For A Secured Loan Or A Remortgage

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The words consolidation loans or debt consolidation loans if you prefer, are terms that are heard frequently, but in spite of this many people are not sure what they mean. The words in these two terms actually explain themselves. Consolidation, no mater what we are referring to, means the combining of a number of items into the one, and debt is obviously the owing of money.

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Two Immediate Steps Towards Improving Your Credit

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Two easy steps you can take towards fixing your credit. When you are starting credit repair you need to stop the actions that got your bad credit to begin with and these are the two places to start.

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Survey: Most Americans Underestimate Retirement Healthcare Costs

This is the new retirement plan: Work out, eat right and hope that you can keep healthcare costs to a minimum.

Americans are so freaked out at the prospect of going broke to pay medical bills that the majority of them are making lifestyle changes now, according to the Sun Life Financial (SLF) "Flying Blind" survey released Wednesday. A whopping 53% reported dieting and exercising more, quitting smoking or reducing stress in order to reduce medical costs later. And it's not just the 40 to 50 crowd -- thirty-somethings are also taking action.

They'd better do something, given how clueless the majority of those surveyed were in terms of how much healthcare would cost during their golden years. More than 90% didn't have a clue as to how much money they'll spend on healthcare after leaving the workforce. About 75% are not formulating any kind of strategy to meet expenses from illness or even the common maladies of old age. And 43% reported being "not at all confident" that they will meet healthcare costs.

"People will live happier, more fulfilling lives in retirement if they can better plan for unforeseen healthcare needs," said Janet White House, senior vice president and general manager of Sun Life Financial's Individual Life Insurance Division. "If you take action because you've reasonably anticipated your future healthcare needs, your sense of well-being increases, and you can focus on living life to the fullest."

So it looks like it's time to dust off the stationary bike and put the cake back in the fridge, America. Your retirement plan awaits you.

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Source: http://www.dailyfinance.com/2011/05/04/survey-most-americans-underestimate-retirement-healthcare-costs/

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Debt Collection Process - What Is It?

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Every individual is dealing with debts in one way or another. Although debts are quite difficult to eliminate, there are still certain tried and tested methods which can fully eradicate debts. A debt collection method is one effective way to make all your dues go away permanently.

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AMD Could Top $10 On Server Processor Gains Vs. Intel

If AMD can learn from its past mistakes, like the launch delay of its Barcelona chip in 2008, and focus on its 8-core and 12-core microprocessors, it could see upside to its server processor share. While we anticipate AMD's server processor share will increase to 12% by the end of our forecast period, Trefis members predict the share will rise towards 17%, implying 12% upside to our $9.63 price estimate for AMD stock.

Source: http://blogs.forbes.com/greatspeculations/2011/05/04/amd-could-top-10-on-server-processor-gains-vs-intel/

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Scanbuy App: A New Reason Home Depot Clerks Will Ignore You

If Home Depot can raise customer satisfaction by providing access to instant (and relevant) information that would help customers to make more informed purchases, it could see an uptick in market share. If, for example, Home Depot?s plumbing, electrical & kitchen market share grows to 26% by the end of our forecast period (vs. our base case projection of 23%), it would imply about 5% upside to our current $35.61 price estimate for Home Depot stock.

Source: http://blogs.forbes.com/greatspeculations/2011/05/04/scanbuy-app-another-reason-home-depot-clerks-will-ignore-you/

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