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Forex News 24


Is this the proper place to share my baby unicorn?

Posted: 18 Jul 2019 01:51 PM PDT

Hits: 4


Is this the proper place to share my baby unicorn?



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Nasdaq Today: Netflix Plunges on Earnings, Microsoft’s on Deck

Posted: 18 Jul 2019 01:46 PM PDT

Hits: 5


U.S. equities wavered on the day, with stocks initially falling on Thursday as investors digest another round of earnings. However, the indices jumped abruptly in the final 120 minutes of trading. After settling down a bit, investors eventually saw a 0.27% advance in the Nasdaq today. The PowerShares QQQ ETF (NASDAQ:QQQ) tacked on a 0.11% gain.

chart of the Nasdaq today

Source: Shutterstock

The S&P 500 and Dow Jones also rose on Thursday.

Of course, the main discussion right now is earnings. As interesting as the banks can be, we've finally got a big one to talk about: Netflix (NASDAQ:NFLX).

Tech Earnings Kick Off

Netflix reported earnings of 60 cents per share, which fell 30% year-over-year but beat analysts' expectations by 4 cents. Unfortunately, this isn't a story about profits, it's a story about growth and NFLX failed to deliver — big time.

Revenue of $4.92 billion grew 33% year-over-year, but was only in-line with estimates. It's surprising NFLX didn't miss, given that subscriber results missed so badly. In the U.S., Netflix lost 126,000 subscribers, well below the 300,000 subscribers analysts were expecting it to add in the quarter. It was the company's first decline in eight years. Internationally, Netflix added 2.8 million subs, which came up short of expectations for 4.8 million.

It's no surprise that shares tanked more than 10% on the day and closed near the lows. We've mentioned a few times over the past few weeks that increasing competition and Netflix losing some its top shows could be a problem. It's not like NFLX is going anywhere, but with negative free cash flow and little in the way of profits, investors may not be willing to assign it such a premium valuation.

Surprisingly, the other FANG stocks took Netflix's beating pretty well.

International Business Machines (NYSE:IBM) beat bottom-line expectations but — shocker — came up short on revenue. Still, the Street looked past the miss and bid up shares of IBM, which is now quite close to new annual highs. (Here's the trade setup).


Click to Enlarge

Shares of eBay (NASDAQ:EBAY) climbed 1.9% on Thursday, after beating on earnings and revenue expectations. However, that's well off the stock's initial 7.6% rally to $42, which set a new 52-week high in the process. Let's see if there's more upside to come in the days ahead or whether $40.50 will remain as tough resistance.

Last but not least is Microsoft (NASDAQ:MSFT), which will report earnings after the close. Up 33.5% year-to-date, boasting a $1 trillion market cap and less than 2.5% off its highs sets up for tough bar to hurdle. Expectations call for revenue to grow 9% year-over-year to $32.77 billion and for earnings to jump 7% to $1.21 per share. And you know its Azure unit will be in focus.

Heard on the Nasdaq Today

Shares of Advanced Micro Devices (NASDAQ:AMD) fell about 3.5% at one point. However, AMD ended down "just" 1.8%, after the company was downgraded by Mizuho analysts. They cut their rating from buy to neutral, but raised their price target to $37 from $33. Seems like it might be an opportunity for investors if AMD goes lower.

Apple (NASDAQ:AAPL) caught a lift on the day, rising about 1% on a Raymond James upgrade. The analysts went from market perform to outperform on increased confidence for next year's 5G iPhones. They also bumped Skyworks Solutions (NASDAQ:SWKS) to an outperform rating.

In the M&A deal that will never end, reports now suggest that we may soon have an answer for the Sprint (NYSE:S) tie-up with T-Mobile (NASDAQ:TMUS). Apparently, if the Justice Department and the companies can't come to an agreement, the DoJ will sue to block the deal. That may not be what investors want to hear, but just to have a decision would be nice at this point.

It's reminiscent of the Qualcomm (NASDAQ:QCOM) deal for NXP Semiconductors (NASDAQ:NXPI).

Speaking of Qualcomm, shares sank about 2% on the day after the EU hit it with a $272 million fine. This follows last year's EU fine of more than $1 billion. Of course, QCOM plans to appeal the ruling, but man, does this company have some political risk or what? The DoJ, FTC, European Union, etc. This name seems to move more on government and legal rulings than fundamentals and earnings.

Bret Kenwell is the manager and author of Future Blue Chips and is on Twitter @BretKenwell. As of this writing, Bret Kenwell was long AAPL

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Taylor Swift – Santa Baby (with lyrics)

Posted: 18 Jul 2019 01:42 PM PDT

Hits: 5




Re-uploaded from MileySmiley95! 😀

ENJOY! 😀

Sorry if any lyrics are wrong.

I DON’T OWN THIS SONG!
No copyright infringment intended. All copyright goes to their rightful owner(s).

Subscribe to my back up account.
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Follow me on twitter.
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Forex MetaTrader 4 Platform Part 9: Alerts . Forex Education . Learn Forex Trading

Posted: 18 Jul 2019 01:40 PM PDT

Hits: 8




http://www.forexstrategysecrets.com
Learn how to set up Forex Alerts on the MetaTrader 4 Platform. This will help you trade without looking at a computer screen all day.

source

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3 Reasons To Stick With the Rally of Walmart (WMT) Stock

Posted: 18 Jul 2019 01:26 PM PDT

Hits: 11


Against the backdrop of a stock market that is firing on all cylinders and surging to fresh all time highs,  Walmart (NYSE:WMT) stock has likewise been firing on all cylinders. In 2019, Walmart stock price is up a whopping 23%.

Source: Shutterstock

That's a big number. To put that 23% gain through a bit more than six and a half months in perspective, if Walmart stock price was flat for the rest of the year and closed 2019 up 23%, 2019 would still be the stock's second best calendar year performance this century.

The sizzling performance from WMT stock comes despite the broader retail sector having struggled the whole year; the SPDR S&P Retail ETF (NYSEARCA:XRT) is up just 4% year-to-date. Meanwhile, Walmart stock is trading at a decade-high valuation of 23 times analysts' average forward earnings estimate. Thus, one could very reasonably argue that retail stocks' woes and an extended valuation will catch up to Walmart stock in the back half of 2019, and ultimately cause WMT stock to lose its gains from the first half of the year.

But this thesis is flawed for three major reasons. Those three huge reasons are as follows:

  1. Market and consumer economic fundamentals remain healthy, and support continued asset-price appreciation and healthy consumer spending for the foreseeable future.
  2. Walmart has separated itself from the rest of the retail pack, and will continue to post better-than-average numbers for the foreseeable future.
  3. Given the favorable backdrop and the company's enhanced growth trajectory, WMT stock warrants its presently inflated valuation.

Consequently, I think the outperformance of Walmart stock will persist into the end of the year. I further believe that when all is said and done, Walmart stock price will be around $120 at the end of the year.

The Macro Fundamentals Are Favorable

The macro fundamentals supporting not just WMT stock, but all consumer-facing stocks, are healthy today and look poised to remain healthy for the foreseeable future.

Financial markets are heavily influenced by low real interest rates. As interest rates have crept lower in 2019, that has allowed equity yields to move lower, too, and stocks have benefited from significant multiple expansion in 2019. This dynamic will persist because the Fed now appears to be on a rate-cutting cycle which could last for several months. As long as this rate-cutting cycle remains in play, rates will remain low, and the market environment will remain risk-on and favorable for stocks.

On the economic side, all the "slowing growth" that everyone is talking about is happening on the manufacturing side (we appear to be heading into a manufacturing recession, mostly thanks to U.S.-China trade tensions). On the consumer side, though, everything remains fine. Unemployment rates are at record lows. Wage gains are running at decade-high levels. The savings rate remains high. Household debt isn't a problem.Interest rates are low. Retail sales numbers have been strong. All of these favorable conditions should remain in play with the Fed now cutting rates, which should juice the economy and provide even more firepower to an already healthy U.S. consumer.

So market and economic conditions are presently very healthy for consumer-facing names like WMT stock, and should remain healthy for the foreseeable future.

Walmart Has Separated Itself From The Retail Pack

Although market and economic conditions have been healthy for consumer-facing stocks in 2019, certain consumer-facing stocks – namely, most retail stocks – have continued to struggle.

That's because a majority of retailers are still struggling to keep up with the times. Many of them are attached to malls, which have continued to suffer from non-cyclical traffic declines. Many of them haven't built robust e-commerce businesses. Indeed, some of them don't even have an omni-channel presence. Most of them are also niche, don't have the resources to compete with Amazon (NASDAQ:AMZN), and have failed to invest meaningfully in their businesses.

Walmart does not fall into any of those categories.

Walmart is an off-mall retailer. It has a huge e-commerce business that is growing at a 30%-plus pace. WMT has a big, rapidly expanding omni-channel business that includes pick-up in-store and delivery. The company is not niche; Walmart has basically become an all-in-one retailer where consumers can find everything from electronics to clothes to groceries – and it has more than enough resources to compete with anyone in the world. It's taking those resources, and investing them back into its business through in-store remodels, enhanced web stores, and improved logistics.

All in all, Walmart has separated itself from the retail pack. This separation will enable Walmart to succeed going forward, even as other retailers may struggle.

Walmart Stock Is Worthy of Its Current Valuation

WMT stock presently trades at 23-times forward earnings. That is the biggest forward earnings multiple this stock has received over the past decade. Indeed, the current 23-forward multiple represents a 30%-plus premium to the stock's five year average forward multiple of 17.5.

From this perspective, one could very reasonably argue that WMT stock is overvalued.

But that argument would misunderstand why investors have been willing to pay 23-times forward earnings for WMT stock today. The Walmart of today is much better than the Walmart of yesterday. Until recent years, Walmart had been a low-growth company with sluggish traffic trends, eroding margins, and strong competitive pressures from e-commerce. Today, though, Walmart is a faster growing company with healthy traffic trends, improving margins, and easing competitive pressures. The company is also innovating at a rapid pace, giving investors confidence that today's improved trends will persist over the next several years.

Given these points, I reiterate that WMT stock is on track to close 2019 around $120, based on the idea that WMT's revenue is poised to grow steadily, while it has healthy margin drivers and strong profit growth potential over the next few years.

The Bottom Line on WMT Stock

Walmart stock is up by a large amount this year. But its rally isn't over. Over the course of the next six months, the market and economic environments will remain favorable, Walmart's numbers will remain healthy, and WMT stock will continue to benefit from supercharged investor demand. This trio of tailwinds will ultimately propel Walmart stock close to $120 by the end of this year.

As of this writing, Luke Lango was long WMT and AMZN.

 

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Today’s the big day! Join our anniversary celebration!

Posted: 18 Jul 2019 01:23 PM PDT

Hits: 7


Dear Trader,

Next Tuesday, Schaeffer’s will celebrate our 38th anniversary.

Since the fateful day on July 23, 1981 – when I quit my job as an actuary and decided someone needed to fill what was becoming an increasingly-obvious need for options trading research and information – I’ve worked hard to bring the power of options to the people…

So “regular investors” just like you could leverage their wealth to bring in the kinds of profits that were formerly reserved for the Wall Street elite and hedge-fund insiders.

Since then, we’ve grown both our product offerings and our team, and I’m as passionate as ever about the potential life-changing possibilities of options.

Throughout the years, you could say I’ve learned a thing or two, and one of those “things” is why I’m emailing you today, Trader.

You see, even after 38 years, there’s still one particular aspect of options trading that I think is underutilized by your average trader, even though frankly, it’s one of the cheapest and fastest ways to pull out a “win” for many options traders.

I’d like to share this “secret” strategy with you, and offer you a way to get in the game, as a way of saying “thank you” for standing by Schaeffer’s.

For years, Weekly Options Trader has been one of my top performing programs. After all, mixing the Schaeffer’s Expectational Analysis methodology, my 38 years of experience, a full team of professional traders, and the power of quick-win weekly options… you’ve got a recipe for success.

Are you ready to get in on the action, and put yourself on the right side of our historic success?

Trade Some of the Fastest Moving Stocks – for Pennies on the Dollar!

Today’s volatile stock market can rise or fall hundreds (or even thousands) of points in just a single day…

Think Fed decision. Or trade wars. Or new rounds of GDP, employment numbers, and corporate earnings…

This kind of daily, manic market movement is enough to make most traders’ heads spin!

Many investors view these sharp ups and downs over periods of a week or two as disruptive to their portfolios.

Plus, the downside action can be flat out scary.

But I’m here to tell you how to make the market a little less scary – and a whole lot more PROFITABLE through an options strategy that performs OPTIMALLY over just such brief periods!

A strategy that leverages these fast up and down moves to target triple-digit gains in as little as 7 days or less.

Plus, they’re playing some of the biggest stock movers – for pennies on the dollar. Consistent names like J.P. Morgan Chase, Exxon Mobil, and Boeing… just to name a few.

Perhaps this sounds too good to be true, but I assure you, Trader, this strategy is sound, profitable and inexpensive to trade.

I’m talking about a very powerful tool in the option trader’s arsenal. It’s quick. And your trading capital is tied up for an average of just 7 days or less.

It’s cheap to trade. You can buy one contract for $500… or even much, much cheaper.

It’s easy to implement. You simply follow my email instructions telling you exactly what option to buy at what price. And then my follow-up email tells you exactly when it’s time to sell. It’s that simple.

This “7 days or less” strategy is used in my Schaeffer’s Weekly Options Trader service.

Weekly options work just like monthly options, but weeklies can be used consistently to target triple-digit gains in 7 trading days or less. And with weeklies you risk less cash up front and still target gains of 100%.

In fact, subscribers to this quick profit strategy have been pocketing gains like 103%… 154%… and even 165% – from all the big swings and fast stock moves going on in the market.

For example, my subscribers recently scored huge profits with a 154% win on Facebook, Inc. puts. If you had invested in 4 contracts, you could have banked $2,865 in pure profit in just 7 trading days!

Or how about our 165% win on FedEx puts? If you had purchased 2 contracts, you would have banked $2,846 in pure profit in just 13 trading days!

And that’s just a few recent examples. Take a look at these massive windfalls they’ve collected… typically in 7 trading days or less:

  • $2,846 profit on 2 contracts of FedEx – a 165% GAIN
  • $1,425 profit on 2 contracts of F5 Networks – a 116% GAIN
  • $2,865 profit on 4 contracts of Facebook, Inc. – a 154% GAIN
  • $1,659 profit on 6 contracts of C.F. Industries Holdings – a 105% GAIN
  • $2,126 profit on 2 contracts of Boeing – a 112% GAIN
  • $1,787 profit on 6 contracts of Carnival – a 119% GAIN
  • $2,136 profit on 2 contracts of Splunk Inc. – a 155% GAIN
  • $1,710 profit on 2 contracts of Twilio Inc. – a 102% GAIN
  • $4,080 profit on 2 contracts of Trade Desk, Inc. – a 150% GAIN
  • $2,573 profit on 2 contracts of Shopify Inc. – a 103% GAIN

That’s $23,207 in profit from 10 trades!

And now you can begin to bank fast cash like this every week!

That’s why, today, I’m giving you an opportunity to play this “7 days or less” strategy – that targets +100% profits quickly regardless of if the market is flat… falling… or soaring.

In fact, as part of this special offer, if you join before midnight tonight you can get in on this limited-time Anniversary special and receive this strategy at a huge savings off the regular price!

How it works…

Weekly options trade just like calls and puts that follow monthly expiration cycles, except they’re created on each Thursday and expire weekly – some as early as the following Friday.

And thrifty options traders who like big leverage love them!

Because if you can capture a short-term move that’s going to play out in just a matter of days, why on earth would you pay for 30 or 60 days of time premium you don’t need?

This reduced premium for buying less time is precisely how weekly options give you just as much leverage and upside, but with a lower cost of entry.

So, if you’re a trader who likes to profit weekly (and who doesn’t?!) these options could be an invaluable addition to your trading toolbox.

Our “Weekly Wonders”

Don’t worry if you’ve never traded weekly options before. With Schaeffer’s Weekly Options Trader, it’s easy.

You simply follow my email instructions on exactly what option to buy at what price, and then my subsequent instructions on when it’s time to sell. It’s that simple.

Schaeffer’s Weekly Options Trader is the perfect way to take advantage of the incredible leverage potential of these super short-term options.

And each recommendation targets gains of 100%, with short holding periods!

Now some trades are closed faster, while some are held longer if we need this time to push profit potential to its fullest.

But you always have an opportunity to collect quick profits.

Weekly options are perfect for traders who want to grab some fast gains with cheap options, like our $1,600 profit on Roku, Inc., or our $2,198 profit on United States Steel!

And I’d like to give you a chance to put these “weekly wonders” into action…

Anniversary Sale Blowout:
Join Today for Less Than $4!

Normally you’d have to pay $195 for one month of access to the “7 days or less” trades in my Weekly Options Trader.

But to help celebrate this historic occasion, I want to let you in on these trades for less, as a way of saying “thank you” for 38 fantastic years.

So today, you have an exclusive opportunity to try Weekly Options Trader for the next month at the incredibly low price of JUST $3.80!

And as a special “anniversary gift,” you’ll also receive instant access to our hot-off-the-presses special report: 5 Stocks to Celebrate 38.

My research team and I have chosen 5 of our favorite stock picks for the second half of 2019. You’ll not only get an inside look at our time-tested Schaeffer’s trading methodology and how it works in real life, but you’ll also find out why we love these 5 hot stocks in particular — and why we think they’re set to rally into year-end.

So you’ll receive a full month of weekly options trades and our brand-new special report for only $3.80 – but only if you join by midnight tonight!

My Weekly Options Trader subscribers receive an average of 6 trade recommendations every month, and now you can get in on this action at an insane discount!

PLUS, you’ll receive my Weekly Options Trader handbook, which provides you with everything you need to manage and protect your trading capital, as well as specific money management techniques, at no additional cost!

Act Now!

Isn’t it Time You Give Weekly Options a Try?

Before weekly options hit the big time in 2010, they accounted for less than 1% of all option trading volume. And you could trade them only on a few ETFs and individual stocks.

But TODAY, they’ve become the hottest, fastest-growing options available!

They now trade on seven indexes… 65 ETFs… and 342 individual stocks – making up a whopping 35% of all option volume on the Cboe Options Exchange.

You can even trade weekly options on big names like Apple, Facebook, GE, Tesla, Netflix and many more.

These “weekly wonders” are perfect for trading short-term spikes, dips, and adjustments foreseen by those with the right market approach and the right indicators.

But not everyone knows about this “sneaky” trading strategy, and even fewer people have the tools, knowledge, and experience to really make the most of it!

That’s where Schaeffer’s Weekly Options Trader comes in. My expert trading team uses…

  • Our contrarian approach
  • Sentiment analysis
  • Technical analysis
  • Options pricing models
  • Fundamental analysis
  • Our proprietary short-term directional indicators

And much more research…

…to uncover the hottest weekly options trades!

Add in my 38 years of experience, with a hefty dose of market savvy, and a winning team of expert traders, and you’ve got an amazing way to target up to 100% gains in as little as 7 trading days or less!

But I must warn you…

My next hot “weekly wonder” trade may be released at any minute, so you must act quickly.

I want to make sure you can experience just how potentially profitable weekly options can be. That’s why I’m offering you this incredible Anniversary deal!

Don’t miss your chance to receive a full month of trades from this proven service and our latest special report for JUST $3.80 – join before MIDNIGHT TONIGHT to take advantage of this special Anniversary offer!

Act Now!

Sincerely yours,

Bernie Schaeffer
Chairman & CEO
Schaeffer’s Investment Research
service@sir-inc.com
http://www.schaeffersresearch.com
1-800-448-2080
1-513-589-3800 International

P.S. This is your chance to get in on one of our hottest trading programs and reap the rewards for less than $4! This program gives you an average of 6 handpicked weekly option recommendations each month, and targets 100% or better gains! Don’t let this opportunity pass you by – you must let me know by tonight if you want in!

2019-07-18 15:19:03



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The reputation Secret Sessions

Posted: 18 Jul 2019 01:21 PM PDT

Hits: 6




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2 Semiconductor ETFs to Buy to Play the Chip Sector

Posted: 18 Jul 2019 01:12 PM PDT

Hits: 7


Semiconductor chips are amongst the most ubiquitous of items around the globe. Chips are found in every electronic gadget from your phone to your tablets and laptops to televisions and your car or Uber (NYSE:UBER) vehicles. Needless to say, semiconductors are a big market.

Source: Shutterstock

But it is a market which has many major and minor companies that start from mining operations for raw materials to foundries for the building blocks of chips to various chips themselves. And it continues to the companies that take the chips to build and sell or use the chips in their products and services. This means semiconductor ETFs are an ideal way to play the sector.

For investors, there are many, many themes and market strategies for the chips market which can be both bearish and bullish for any given time period. This just increases the need for semiconductor ETFs.

Right now, chips are being touted as part of major market developments. It starts with the 5G wireless buildout and rollout. From the data centers to communications networks and all the way through to antennas and devices — 5G is upping demand for all sorts of chips and related semiconductor materials.

Then we have the rapidly developing market for artificial intelligence (AI) and augmented reality (AR) that have great promise for many areas from healthcare to education and manufacturing and even marketing.

And new devices keep coming from all corners of the globe from Apple (NASDAQ:AAPL) –even if they don't do any of the heavy lifting in engineering their branded products. And the list goes further including my favorite Samsung electronics (which I have in my Niche Investments section of my model portfolios in Profitable Investing.)

And from the gaming to the ever-hyped cryptocurrency mining operations — graphics processing units (GPUs) remain highly in demand bringing another wave of chips in demand as well.

Chips have been on a good run in the stock market. For over the past trailing five years, the industry leaders as tracked by the MVIS U.S. Listed Semiconductor Index have generated a return of 154.69% compared to the S&P 500 Index's return of 69.43%.

Chips vs Stocks

So, chips are a bigger business than the rest of the broader stock market. This should get your attention and peak your interest in semiconductor ETFs.

But at the moment, trade tensions are weighing on many of the leading companies doing the heavy lifting in semiconductors and chips. U.S.-China tensions and trade restrictions on components and products are causing sales headaches beyond just those two nations. And a major trade problem between South Korea and Japan is directly impacting semiconductor material sourcing.

That said, if you want to cash in on the ongoing market, stay with the U.S.-centric ETF market. This means that there are two semiconductor ETFs to focus upon.

Two U.S. Semiconductor ETFs to Buy

The first is the iShares Semiconductor ETF (NASDAQ:SOXX). It tracks the PHLX Semiconductor Sector Index and does a pretty good job of it with a return over the past five years of 154.06%, compared to the SOX Index return of 160.82%.

Some of the variance comes from the expense ratio of 0.47% which is a bit high in my book for such an index-tracking ETF.

The second ETF is the VanEck Vectors Semiconductor ETF (NYSEARCA:SMH). This ETF tracks the MVIS US Listed Semiconductor Index. Not surprisingly, the SMH ETF closer tracks its index with the five-year return running at 148.10% compared to the underlying index return of 147.38%.

This closer return result is perhaps also due to the underlying cheaper expense ratio of 0.35%.

An Alternative Semiconductor ETF

Instead of focusing solely on semiconductor ETFs — another alternative would be to focus on the broader information technology companies. This would provide exposure to semiconductor-related companies as well as software, services and related hardware — all of which depend on semiconductors in some capacity. This is my approach as I recommend the Vanguard Information Technology ETF (NYSEARCA:VGT).

The return of the Vanguard ETF for the past five years has been 139.61%. And 16.42% of the fund is allocated toward semiconductors. It has a geographic allocation of 96.89% to U.S. companies with minor weightings to Ireland where U.S. companies domicile for tax purposes as well as to Israel.

The Vanguard ETF actually out-returns the underlying MSCI Index over the trailing five years and runs quite lean with an expense ratio of a mere 0.10%.

Now I've presented my way to invest in the semiconductor technology space with ETF's, perhaps you might like to see more of my market research and recommendations for further safer growth and bigger reliable income. For more, look at my Profitable Investing. Click here to learn more: https://profitableinvesting.investorplace.com/

In addition, if you find yourself in San Francisco on August 15 through 17 – please join me at the MoneyShow where I'll be presenting my economic and market analysis and my latest investment themes and recommendations. For more information, click here: https://www.moneyshow.com/

Neil George is the editor of Profitable Investing and does not have any holdings in the securities mentioned above



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Is Forex Trading Profitable? Myths and Reality! ����

Posted: 18 Jul 2019 01:08 PM PDT

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Is Forex Trading profitable? Myths and Reality! http://www.financial-spread-betting.com/forex/forex-trading.html PLEASE LIKE AND SHARE THIS VIDEO SO WE CAN DO MORE! The big answer is yes – there are many traders out there who are making money trading forex, likewise like there are many traders who make money trading stocks, indices, commodities..etc What sets these successful traders from the less profitable ones is that they have a defined strategy, they are very disciplined and very focused in their trading. I don’t know any currency traders out there who make money and don’t possess all three traits. So, yes you can make money trading forex but unfortunately not everyone succeeds.

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Is Forex Trading Profitable? Myths and Reality! 😶😎


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On this page you can manage StartUp Bonus size for your clients. StartUp Bonus is a company’s promotion aimed to help you gain more potential clients by offering them through different media (offline and online) opportunity to join InstaForex and receive StartUp Bonus (No Deposit Bonus) for trading without any risks. As a partner you will receive commissions from trading of each referred client both before and after first deposit. Your clients can receive StartUp Bonus from InstaForex via this page:
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AAPL Stock: Apple Software Increasingly Becomes a Lifestyle

Posted: 18 Jul 2019 01:05 PM PDT

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Hardware becoming software is one of the key trends of this decade. As Apple (NASDAQ:AAPL) prepares to refresh its product line for the fall of 2019, it is selling its software as a lifestyle.

Source: Shutterstock

The key product launch investors need to consider is the Apple Card, the company's entry into finance.

While Facebook (NASDAQ:FB) wants to create its own money and replace the current Visa (NYSE:V)-dominated payment infrastructure with something cheaper, Apple Card is a gloss on MasterCard (NYSE:MA), with personal finance delivered through an app and integration with existing wireless payment technology.

Apple is also throwing money at original content, hoping to overwhelm Spotify (NASDAQ:SPOT) in podcasts and Netflix (NASDAQ:NFLX) in streaming entertainment.

Apple's strategy is coming into focus. It's a lifestyle and an indenture. It's a walled garden where, in exchange for promises of privacy, Apple controls everything you have, including your cash flow.

The Biggest iOS Launch

Apple's biggest product launch is now going through its final beta test, iOS 12.4 beta 7.  Its successor, iOS 13, was announced at the June Worldwide Developer's Conference.

The key new feature supported by 12.4 is the Apple Card, on which Goldman Sachs (NYSE:GS) estimates it has spent nearly $275 million, transforming itself from an investment bank into a consumer bank. The card itself is designed around the app, with daily cash rewards and full integration with the Apple Wallet to track spending.

The card is thus meant to change behavior, which now favors physical debit cards for most transactions. The potential bonanza here is enormous. People who pay off their cards spend an average of $1,154 with them each month, and the average user carries $6,354 of credit card debt. Goldman expects to offer $1,000 in credit to those with credit scores as low as 600, and charge Apple Card customers interest rates of 13%-24% on balances.

Apple's Ho-Hum Hardware

With the next iPhone already being called a clunker, Apple has to extract more from software and services to maintain last year's 15% growth rate, with 22% of revenue hitting the net income line.

The iPhone 11 design itself looks like a greatest hits album from previous iterations. Its main improvement is a bigger battery. The same is true for the latest MacBook, which only received minor tweaks on existing designs.

But the hardware is the center of a software ecosystem that brings Apple profit from every corner of a customer's life. Software and services are more profitable than hardware.

This extends to the Apple Watch. Given how many stores had the watch at clearance prices this month, including the Apple Watch 4, an Apple Watch 5 can't be far off. But the hardware isn't likely to change much. It will just be capable of running more software, especially health software. Health will follow cash into the Apple profit column.

Critics worry the emphasis on service revenue will compromise the user experience. But people who believe in Apple tend to go all-in. The most important point about the iPhone's market share is its stability. They have half of the U.S. market and over one-fifth of the global market.

The Bottom Line

An Android is a phone, a utility that offers unlimited choice. An iPhone is a lover, seducing and then demanding increasing loyalty.

Once you're in the Apple ecosystem, the company wants to make it a lifestyle, handling your money, your entertainment, even your health.

That's CEO Tim Cook's bet, that Apple products can be more than phones or watches or PCs, but a lifestyle for those seduced by its design and brand promise.

Dana Blankenhorn is a financial and technology journalist. He is the author of a new environmental story, Bridget O'Flynn and the Bear, available now at the Amazon Kindle store. Write him at danablankenhorn@gmail.com or follow him on Twitter at @danablankenhorn. As of this writing he owned shares in AAPL.

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