We will soon catch up with our backlog

Ad Majorem.....Wealth Builders

There has been delay in the release of loans due to some unanticipated problems.  We will soon catch up and make good on our customer service.

We apologize to those whom we have inconvenienced

Myth-Busting Monday - Issue #387 from Wall St. Daily

---------- Forwarded message ----------
From: Wall Street Daily <wallstreetdaily@wallstreetdaily.com>
Date: Mon, Jan 28, 2013 at 7:41 PM
Subject: Myth-Busting Monday - Issue #387

You are receiving this email as a part of your free subscription to the Wall Street Daily e-letter. Click here to manage your subscription. Washington Insider Comes Out of the Shadows With Shocking Announcement He has been the secret man behind some of the biggest movements and most successful companies in America today. But for over a decade he has made a point to stay behind the scenes... That is, until now... Today, something so big has begun to happen in America that he's decided to come out of retirement and reveal his true identity for the first time on this scale. And in this controversial video, he'll tell you about the coming event that's going to change your life. Are Stock Buybacks Always Bullish for Share Prices? By LOUIS BASENESE, Chief Investment Strategist In the past few weeks, scientific-testing equipment company, Agilent (A), announced a $500-million stock buyback. Metal components and products maker, Precision Castparts (PCP), unveiled a $750-million stock repurchase program. Not to be outdone, khaki pants maker for the masses, Gap (GPS), announced a $1-billion repurchase program. Shareholders should be rejoicing, right? After all, stock buybacks imply that management believes their stock is cheap. And cheap is good. More significantly, conventional wisdom holds that stock buybacks reduce the total number of shares outstanding. And if you spread earnings over fewer shares - voila! - earnings per share increases, making the stock more valuable. The only problem? Conventional wisdom isn't always right. And in honor of Myth-Busting Monday, it's time to prove why stock buybacks aren't always bullish. Less Than Meets the Eye Riddle me this... If stock buybacks reduce shares outstanding, then how is it that (according to Dow Jones Indices) the 500 largest U.S. companies spent roughly $1 trillion on share purchases since 1998 - and yet the actual number of shares outstanding grew by 7% over that period? Or that, despite record periods of stock purchases, FactSet noted a 2.7% year-over-year quarterly increase in share counts for S&P 500 companies going back to 2005. The number crunchers must have made a mistake, right? Nope. It's just simple math. Although companies repurchased gobs of stock over each respective period, they ended up issuing more than they bought back. Some shares could have been issued to fund an acquisition, or to raise additional capital via a secondary offering. And more still could have been issued to provide shares for employees exercising stock option grants. Long story short, as Andrew Lapthorne, Head of Quantitative Analysis at Société Générale, says, "Share buybacks get misinterpreted. Many people see them as a return to shareholders." When, in actuality, many serve to prevent a dilution of shareholders. The takeaway? Before we blindly consider a buyback announcement a bullish indicator, we need to dig deeper. Here's why... Trust, But Verify Even if a company announces a buyback, it's not required to follow through. And a meaningful amount of executives renege (about 25% each year since 1985, according to Birinyi Associates data). Accordingly, we should verify management's track record of making good on their buyback promises. It's easy to do so at Morningstar.com. The site allows us to view five years' (or five quarters') worth of "weighted average shares outstanding." If that number is flat or rising, management is either not following through, or they're issuing a boatload of shares, too. However, if the number is consistently declining, then it is, indeed, a bullish indictor. How bullish? Studies vary, so let's go with the most conservative out of Credit Suisse Quantitative Research. It found that companies that consistently buy back shares return almost 2% more per year than companies with less regular or erratic buyback histories. Every extra percentage point in profits counts, so I'm not about to argue with an extra 2% per year. Candidly, though, I'd prefer more profits than that. Wouldn't you? The good news is, we can get it. We just need to add another indicator to the mix. A Better Bullish Indicator: Buybacks And Insider Buying Like I said before, a repurchase program signals that management thinks shares are undervalued. But if executives truly believe shares are cheap, wouldn't they start buying shares in their personal accounts, too? Turns out that if they do, shares perform even better. A study by Professor Shrikant Jategaonkar at Southern Illinois University at Edwardsville found that stocks subject to both repurchases and insider buying outperformed other stocks in the sample - by 29 percentage points over four years. Stocks subject to just repurchases only outperformed by about nine percentage points. That's 10 times better than just focusing on stock buybacks based on the Credit Suisse finding above. Bottom line: In theory, buybacks are good for investors. But in practice, we need to make sure management is actually reducing the share count before we treat it as a bullish indicator. For the best results, we should also insist on insider buying. Ahead of the tape, Louis Basenese If You Have Just $50... You may be able to turn it into windfall profits. Imagine making a string of tiny investments and watching it grow into extraordinary wealth. After today, you may not have to imagine any longer. Click here for details... Friday Charts: Real Estate Recovery, Rotten Apple and Dividends In this week's edition, we're sharing an ugly-looking Apple chart and the number one reason why real estate prices will keep rising. Two Timely Contrarian Trades Today I'm sharing new data on two contrarian ideas I previously put on your radar, to finally convince you to do something different from the majority before it's too late. Look Out for This Positive GDP Surprise Today I'm launching another semi-regular column, Think Contrarian, in which I'm going to routinely encourage you to flex your contrarian muscles. Three Companies More Innovative Than Apple The Seven Most Investable Technology Trends of 2013 Will CyrusOne Be the First "Hot IPO" of 2013? Three Currencies Ready for a HUGE Revaluation My Favorite (Contrarian) Commodity Trade For 2013 Shifting Smartphone Market Could Hurt Apple and Samsung Profits If you enjoy reading our no-nonsense, unbiased research at Wall Street Daily, feel free to share it with your family, friends and colleagues. Simply send them this link, so they can sign up for the TRUTH... for free, of course. Republish Wall Street Daily on your website or blog for free. LEARN HOW Have a question or want us to expose the truth? CONTACT US If you're having trouble viewing this email, you can access the article on the Wall Street Daily website. Twitter Facebook LinkedIn RSS You are receiving this e-mail as a part of your free subscription to the Wall Street Daily e-letter. Manage your subscription. Or to cancel by mail or for any other subscription issues, write us at: Wall Street Daily Attn: Member Services 105 West Monument Street Baltimore, MD 21201 © 2013 Wall Street Daily, LLC All Rights Reserved Wall Street Daily, LLC. · 105 West Monument Street · Baltimore, MD 21201 North America: 1.855.405.3939; Fax: 1 410.223.2650 International: +1.410.864.2542; Fax: +1 410.223.2650 Website: WallStreetDaily.com Email: CustomerService@WallStreetDailyInfo.com

--
Jorge U. Saguinsin
To "be the best, do your best, expect the best" always

Small Business Brief For Jan. 28 - Feb. 03, 2013

---------- Forwarded message ----------
From: Thriving Business <newsletter@thrivingbusiness.com>
Date: Mon, Jan 28, 2013 at 6:30 PM
Subject: Small Business Brief For Jan. 28 - Feb. 03, 2013

Follow Us On Twitter --  Join Us On Facebook --  Visit Our Blog January 28 - February 03, 2013 Here are the top 10 things you MUST know this week: 1. Internet Explorer Versions 6-8 Need Patch Downloaded Immediately On January 14th, Microsoft issued a security patch for its commercial web browser, Internet Explorer. The patch is only for Internet Explorer versions 6-8, not the latest two versions, 9 and 10. The 6-8 versions had a "Critical" severity rating due to their vulnerability to malicious hackers remotely executing code to computers. For those of you that never update your Internet Explorer browser, I would suggest finding out what version you have before it's too late. Click here if you need the security update.    2.  Wayne Dobson Does NOT Have Your Cell Phone – Despite What Sprint's Phone Tracker Might Say For the past two years, 59-year-old North Las Vegas resident Wayne Dobson has had people pester him at all hours of the day about the whereabouts of their Sprint phone. They've even shown him through phone tracking applications that he has their phone.  It has gotten so bad that he put a sign at his door saying something to the effect of "I Don't Have Your Phone."  You may be thinking that he must have stolen the phones if people can prove it's in his house. Unfortunately, this story isn't that simple. Officers and people who tracked their phone to Dobson's location have searched his house and found nothing.  The problem is most likely a software problem that is incorrectly translating coordinates to Dobson's house. Keep this in mind if you have a Sprint phone and then happen to lose it. Click here for details 3.   How To Use Coupon Codes To Increase Your Sales For many of you, coupons may seem like a pretty straightforward way to increase customer conversions. Rock-bottom discounts, however, can affect your business in a negative way if you can't up-sell or cross-sell any of your other products or services in an effective manner. So be sure to look at coupon strategies that work before you start cutting your prices.  4. Green Dot's New Bank Account Makes Banking Easier For The Small Business Owner On-The-Go On January 15th, Green Dot, the largest provider of prepaid debit cards in the U.S., announced it was launching a smartphone-friendly new bank account called GoBank. GoBank can be set up quickly on your phone using their mobile site or apps, and members can send money to friends and family for free through emails, text messages, and Facebook notifications. Since most of you are busy all the time, this may be a good banking option so you don't ever have to worry about your friends or family having enough money. Plus, you wouldn't have to take time out of your day or your employees' day to go to the bank to make a deposit or withdraw money. 5. How An Effective Guest Blogging Strategy Can Triple Your Traffic In today's society, guest blogging is one of the top marketing techniques used by bloggers and online corporations. For those of you that guest blog to other places and never see an increase in traffic on your own web site or blog, your problem probably has to do with not having a proper guest blogging strategy. As John from GuestBloggingTactics.com mentions in the article above, having a good strategy can lead to more traffic. The bottom line: Find or develop a better guest blogging strategy if you want to increase your traffic and make more money.  6.   Why Is It Better To Use Bad Grammar With Passwords? According to a study done by researchers from Carnegie Mellon University, it is better to use passwords that don't make much grammatical sense. The reason is due to an algorithm they have created that proves passwords are becoming more crackable. In the algorithm, words and phrases from password-cracking databases are joined together into grammatically correct sentences. If you have a grammatically correct password or were thinking about creating one, it's back to the drawing board for you.    7.   Facebook Graph Search May Become The New Search Engine Alternative On January 15th, Facebook unveiled its newest innovation, Graph Search. With Graph Search, you can do things like search for restaurants by type, location, and friend preferences, photos of friends taken before 1990, search the web, 10-day forecast, etc. Having these types of search options may strengthen your social life both on and off the web and become your preferred search engine.   8. Amazon Auto Rip Service Is A Reminder Why Amazon Is The Leader In Ecommerce Sales On January 10th, Amazon announced it would launch a new CD service called Auto Rip. The service rewards CD buyers with free digital versions of any CD they purchase on Amazon, assuming it is eligible. Amazon is also offering this service for any CD you've purchased from them since 1998. As a result, you can enhance your digital music collection without physically having to put a CD into your disc drive or buying songs from iTunes. This is also a great example of how to constantly be innovating in your business.   9.  Pentagon Branch Thinks Twitter Can Help Them Predict The Future In early December of last year, the Office Of Naval Research, or ONR, announced its "Data to Decisions" program – a series of three-to-ten-year initiatives that will address the volume of information that threatens to overwhelm planners in the digital age. ONR wants to predict the future by monitoring places such as Twitter, blogs, and news. The bottom line: If ONR is right and Twitter can predict the future, then you better make sure you have an account so you can prepare for new innovations and market trends.   10. Lance Armstrong Controversy Reminds Us Why We Should Never Get Too Big For Our Britches During a television interview with Oprah Winfrey on January 17th and 18th, Lance Armstrong admitted that he was doping when he won all seven of his Tour De France titles. His reputation of being an American hero is now diminished. This is a good reminder to us all that hard work and dedication is what's important, not winning all the time, and that cheating your way to the top is not the answer to success because you will answer for your actions.  (This issue was written by staff reporter Steven Ward, with input from Denise Gosnell and Jynell Berkshire.) Let us know your thoughts on today's issue. Post your comments here.

© Copyright 2013 ThrivingBusiness.com Inc. All Rights Reserved. Contacting Us:  Please note that this newsletter email account is not monitored.  If you need assistance or have feedback for us, please contact us at support@thrivingbusiness.com or by clicking the link in the Share Your Comments Section above. Note about URLs:  If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer:  ThrivingBusiness.com Inc. only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we may receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this email should be considered as providing legal, financial, accounting or estate planning advice. While some of the authors may be attorneys who have discussed various legal, business and other concepts herein, nothing herein can be construed to constitute specific legal advice or recommendations. No communication by our company or employees to you should be deemed as personalized legal, financial, or estate planning advice. The social media icons contained in this newsletter were obtained from IconDock.

If you wish to stop receiving our emails or change your subscription options, please Manage Your Subscription
ThrivingBusiness.com Inc., 10412 Allisonville Road, Suite 201, Fishers IN, 46038

--
Jorge U. Saguinsin
To "be the best, do your best, expect the best" always

Largest Bubble in History Set to Explode - What Next?

Is this a true prediction?  Or is it like the Mayan prediction of the end of the world?

Many say, especially the Americans that things there are as good as ever?  Really?

USA will soon be an energy superpower.  What is this story?

Or just the US financial system that is at risk?  How must Americans prepare for this?  What about Filipinos there?  Filipinos here?

Will you still hold on to US stocks or US currency/Treasury Notes?

---------- Forwarded message ----------
From: Moneynews.com <newsmax@reply.newsmax.com>
Date: Mon, Jan 28, 2013 at 8:12 PM
Subject: Largest Bubble in History Set to Explode - What Next?

Dear Moneynews Reader: Please find below a special message from our sponsor, Weiss Reasearch, Inc. They have some important information to share with you. Thank you. Moneynews.com Warning: Startling new evidence points toward an imminent financial collapse and the destruction of American wealth — income, investments, retirement, and even personal safety are now at severe risk. Click here to view this controversial video NOW! Dear Reader, Washington and Wall Street have recklessly pushed the United States into the greatest financial bubble in American history. And unfortunately we are far beyond the point of no return. This bubble WILL burst — just like every other one before it. But you don't have to be caught unaware! In this shocking video you will see how this bursting bubble will reduce millions to poverty ... spell the end of our way of life ... and threaten this nation's very existence. But more importantly you will learn how taking one small action immediately can not only protect you ... but help you profit! That's the central message of our explosive video, The Ultimate Financial Bubble — and it's available for you to view, right now, for free! Sadly, these facts have gone virtually unreported in the mainstream media. And before it explodes into the headlines worldwide, you'll have already seen what's destroying our financial system from the inside out — BEFORE the bubble bursts! And when it does, it will permanently alter how you work ... how you save ... how you invest ... how you live in retirement ... and how you provide for your loved ones. It will drive millions of American families into the nightmare of poverty, homelessness, and a grim dependence on government bureaucrats — the same leaders that got us into this. In the worst-case scenario, you could see soaring crime, the confiscation of your private property, and even the suspension of your civil rights. But while the vast majority will suffer terribly, a select handful will use this crisis to build substantial wealth. We lay it all out for you in this shocking video. We document this catastrophic event in detail ... We show you why it will dwarf every financial catastrophe the world has ever seen and explain why it is now all but inevitable ... We name the giant banks and popular stocks that are most likely to crash and burn as this event explodes into the headlines ... We name the special types of investments that are most likely to skyrocket in value as this crisis unfolds ... And we give you six free survival manuals designed to help you defend what's yours  —  and even grow your wealth as this modern-day catastrophe unfolds. We will only be able to keep this all-important video online for a limited time. Click this link to view it now. Be safe, Weiss Research Money and Markets A Division of Weiss Research Inc. 15430 Endeavour Drive Jupiter, FL 33478 tel: 800-291-8545 fax: (561) 625-6685 We love hearing from readers. But our editors won't get your e-mail if you simply hit the "reply" button. So please click here to send us your questions, comments and suggestions. This email is never sent unsolicited. You have received this Newsmax email because you subscribed to it or someone forwarded it to you. To opt out, see the links below. TO ADVERTISE For information on advertising, please contact Newsmax Advertising Sales via email. TO SUBSCRIBE If this email has been forwarded to you and you would like to sign up, please click here. Remove your email address from our list or modify your profile. We respect your right to privacy. View our policy. This email was sent by: Newsmax.com 1501 Northpoint Parkway, Suite 104 West Palm Beach, FL 33407 USA 1499226

Soros: Currency War Looms, Expect 'More Fireworks, More Volatility'

---------- Forwarded message ----------
From: Moneynews.com <newsmax@reply.newsmax.com>
Date: Mon, Jan 28, 2013 at 5:13 AM
Subject: Soros: Currency War Looms, Expect 'More Fireworks, More Volatility'

Soros: Euro Here to Stay as Currency War Looms URGENT: 'Financial War' Could Wipe Out 50% of Your Wealth, Warns Pentagon Adviser Roubini: 'Hyped Up' BRICs Risk Success on Growing State More Links: Obama Inauguration Fuels an 'Aftershock Awakening' Learn How a Pastor Turned $40,000 into $400,000. The Single Stock Ben Bernanke Bet His Fortune On This email is never sent unsolicited. You have received this email because you subscribed to it or someone forwarded it to you. To opt out, see the links below. TO ADVERTISE For information on advertising, please contact Newsmax Advertising Sales via email. TO SUBSCRIBE If this email has been forwarded to you and you would like to sign up, please click here. Remove your email address from our list or modify your profile. We respect your right to privacy. View our policy. This email was sent by: Moneynews.com and Newsmax.com 1501 Northpoint Parkway, Suite 104 West Palm Beach, FL 33407 USA 1499129 122FA-1

--
Jorge U. SaguinsinTo "be the best, do your best, expect the best" always

Obamacare Punishes Smokers With Big Fees; Ted Cruz, Scott Walker Fire Up Summit

The sin tax may have the same effect on PHL smokers.  The sin tax has pushed the retail (per stick) price to a minimum of PHP 4 and up to PHP 5 per stick.  I do not see this a deterrent to having vice or smoking.

A lot of smokers still abound and continue to irritate the lungs and noses of non smokers.

---------- Forwarded message ----------
From: Newsmax.com <newsmax@reply.newsmax.com>
Date: Mon, Jan 28, 2013 at 7:42 AM
Subject: Obamacare Punishes Smokers With Big Fees; Ted Cruz, Scott Walker Fire Up Summit

Breaking News from Newsmax.com Newsmax at the National Review Summit: Gov. McDonnell, Ted Cruz, Scott Walker, More ALERT: 'Obamacare Survival Guide' Tops Best-Seller Lists as Massive New Law Begins Obamacare to Hit Smokers With Huge Penalties Tina Turner Swaps US Passport for Swiss Citizenship More Links: Flu Epidemic Hits U.S. — What You Need to Know About Flu Shots New Book Reveals How to Turn $10,000 Into $1,162,747 Prostate Size Can Greatly Affect Quality of Life and Sleep. What Size Is Yours? See This Photo. This email is never sent unsolicited. You have received this Newsmax email because you subscribed to it or someone forwarded it to you. To opt out, see the links below. TO ADVERTISE For information on advertising, please contact Newsmax Advertising Sales via email. TO SUBSCRIBE If this email has been forwarded to you and you would like to sign up, please click here. Remove your email address from our list or modify your profile. We respect your right to privacy. View our policy. This email was sent by: Newsmax.com 1501 Northpoint Parkway, Suite 104 West Palm Beach, FL 33407 USA 1499387 12340-1