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Howard Capital Weekly Watch- Vance Howard

Howard Capital Weekly Watch- Vance Howard

Mar 25, 2015

March 25, 2015 Click here if you are having trouble viewing this message. For more information, visit us at www.howardcm.com or call 770-642-4902 Wealth Watch Weekly E-Newsletter The market hit short term resistance at about 2,115 on the S&P 500. I suspect we will test this resistance area a couple of times before breaking through to the upside. The market is making higher highs and higher lows, a very good sign it is healthy and trading as it should. The S&P 500 has gone 815 trading days (since October 2011) without a 10% correction, the fourth longest run on record. What everyone is thinking is that we are way overdue for a correction and they are right, but remember bull markets, just like bear markets, can go on for a lot longer than investors think. In all probability, we will have a 10% correction this year and again, in all probability, it will be a very nice buying opportunity. The correction risks should be viewed in the context of the economic cycle.Here is a bit of a history lesson on the economic cycle from our friends at Ned Davis Research that we thought worthy of sharing: “Over the past 50 years, the economic and stock market cycles have followed a consistent pattern of two cyclical bear markets for every recession. The 2007-to the present has been a classic cycle of a Recession Bear (October 2007-March 2009), Post-Recession Bull (March 2009-April 2011), Non-Recession Bear (April 2011-October 2011), and Post-Recession Bull (October 2011-present). The cyclical bull market can end in one of two ways. First, another Non-Recession Bear could ensue. There has been only one instance of back-to-back Non-Recession Bears since 1968, with the second being the 1987 crash. Second, the market could enter a Recession Bear, which requires that the bear market overlap with an NBER-defined recession. As long as the recession risks remain low, then the odds of another cyclical bear market remain low as well. Even if a second Non-Recession Bear occurs, they have tended to be short (median of seven months) and shallow (median of -19.3%). The sharp decline in earnings estimates does not appear to be a recession warning at this time. Historically,...

Damon Explains Importance of College Planning

Damon Explains Importance of College Planning

Mar 28, 2014

March 28th, 2014 Loganville, GA – While planning financially for your student’s collegiate future may seem difficult or even unattainable, a local financial professional says with proper preparation and fiscal management, sending your student off to pursue higher education is not out of reach. “College graduates can earn up to 85 percent more income than non-college graduates. That number alone can motivate students enough to pursue their degree,” said Damon Ladd-Thomas, Investment Professional of Damon Ladd-Thomas Wealth Management. “However, while parents want the very best future for their children, it can seem taxing to keep up with ever-rising tuition rates, school supplies and housing costs.” The cost of tuition in the United States averages about $15,000 for an in-state, public university. For students who want to go out of state or attend private colleges, costs can quickly escalate to $60,000 or more per year. Ladd-Thomas says using savings plans like 529s are beneficial for several reasons. “529 plans are designed specifically for higher education planning,” said Ladd-Thomas. “Each state operates their own 529 plan, and provides different options for families to choose. It is important to speak with your financial advisor and find out what plan best suits you and your family before making an investment decision.” Just as every student, university and degree plan varies, each family’s portfolio is unique. Maximizing your savings to help plan for college is easier with the help of a qualified financial advisor. “There are options out there for everyone,” said Ladd-Thomas. “You just have to know where to look.” Damon Ladd-Thomas Wealth Management is a local financial practice serving the needs of families, small business owners and retirees. With more than 19 years in the business, Ladd-Thomas is an experienced professional with the skills and knowledge many need to help plan for their students’ educational future. Securities offered through NEXT Financial Group Inc. Member FINRA/SIPC. Damon Ladd-Thomas Wealth Management is not an affiliate of NEXT Financial Group Inc. Damon Ladd-Thomas Wealth Management is located at 305 Cooper Road Suite# 200; Loganville, GA 30052. P: 404.477.401K...

Wednesday Weekly Wealth Watch – Vance Howard

Wednesday Weekly Wealth Watch – Vance Howard

Mar 26, 2014

 March 26, 2014   Wealth Watch Weekly E-Newsletter The Dow and S&P 500 have been just chopping around, going neither up nor down.  However, the NASDAQ has dropped precipitously with Biotech and the Healthcare sectors dropping pretty hard over the last two weeks. Biotech and Healthcare have been leading sectors for some time now and we have profited nicely from both.  A lot of leading stocks have dropped much more than the indexes, which is not uncommon after they have been leading it. There is big money to be made from the leading stocks, but with larger profits come larger drawdowns and additional volatility.  From the chart below, you can see that a flag pattern looks to be setting up, but I’m not sure whether it will ultimately go up or down. Yes, the markets are boring and sloppy so far this year, but we are only in the third round of a twelve round fight. We intend to be the championship fighter, fighting all the way to the final bell of the last round, so there is lot of time left to make money this year.   As I wrote last week, along with the flag pattern I mentioned above, the S&P 500 is still setting up the right hand side of a cup and handle. The longer the handle extends without breaking out, the stronger the move will be if it breaks to the upside. Until the market changes trend and the HCM-BuyLine® goes negative, all pullbacks should be viewed as buying opportunities with stocks on sale. Just for clarification, the BuyLine is a long way from going negative.The bond market is hitting an area of strong resistance. With the Fed clearly tapering, there is only one way for rates to go, up, and that is bad for bond prices. When the market comes out of hibernation and starts to move higher, as we believe it will sometime this year, bond prices will drop. There is money to be made in the bond market if you are nimble and have a good trading system for trading the bonds. All our bond portfolios are up this year and all are beating the S&P 500 index.    The...

Local Financial Professional Offers Retirement Income Strategies

Local Financial Professional Offers Retirement Income Strategies

Mar 21, 2014

March 21, 2014 Loganville, GA – When planning for retirement, incorporating sustainable income strategies is imperative to keep up with rising health care costs, inflation and more according to a local financial professional. “There are several important factors to take into account when assessing your retirement options,” said Damon Ladd-Thomas, Investment Professional of Damon Ladd-Thomas Wealth Management. “Saving enough for retirement is not always the final solution. Creating ways to generate sustainable income when unexpected costs arise is just as important.” Ladd-Thomas outlines four different issues retirees typically face that their next eggs may not take into account, such as major health care expenses, inflation, withdrawal rates and life expectancy. “Modern medicine and technology have positively impacted American life expectancy rates,” said Ladd-Thomas. “People are now living longer and too many retirees are outliving their money—a problem we’ve only recently faced.” Similar to life expectancy, the cost for health care has also seen a steady rise. Some retirees find it difficult to keep up with the cost of medication, long-term care and various other entities they need to maintain their lifestyle. Additionally, simple miscalculation of either withdrawal rates or inflation can cause detrimental harm to retirement savings if used for payment purposes of health care costs. “Health care expenses, both foreseen and unexpected can wreak havoc on retirement savings,” said Ladd-Thomas. “With health care costs continually under scrutiny and debate, planning is challenging but necessary. Financial advisors throughout the country are here to help people realize and approach a plan that can help ease the worry of unexpected costs during retirement as well as provide guidance for additional income strategies down the line.” Damon Ladd-Thomas Wealth Management is a local financial practice serving the needs of families, small business owners and retirees. With more than 19 years in the business, Ladd-Thomas is an experienced professional with the skills and knowledge many need to help plan for their financial future. Securities offered through NEXT Financial Group Inc. Member FINRA/SIPC. Damon Ladd-Thomas Wealth Management is not an affiliate of NEXT Financial Group Inc. Damon Ladd-Thomas Wealth Management is located at 305 Cooper Road Suite# 200; Loganville, GA 30052. P: 404.477.401K...

Wednesday Wealth Watch- Howard Capital

Wednesday Wealth Watch- Howard Capital

Mar 19, 2014

March 19, 2014  Wealth Watch Weekly E-Newsletter The markets could be setting up for a cup and handle pattern which is not a very common stock pattern. William O’Neal of Investor’s Business Daily has written about the cup and handle for decades now. Mr. O’Neal has preached about how powerful cup and handle patterns can be when they follow through. From my experience over the years, I could not agree more. It is a very strong break out pattern. But what Mr. O’Neal does not tell you is how hard they are to find and how seldom they form. This is one of the reasons why, when they do happen and follow through with a break out, they can be very explosive and profitable. The S&P, if it continues to base at this level, could be setting up nicely for the famous cup and handle pattern. We will be watching with much anticipation to see what the future will bring.     One thing that has always fascinated me is how so many people get so worked up by someone who says the sky is falling, if not today, then soon, so buy my newsletter. One letter, the Doom, Boom and Gloom report by Marc Faber, is one such letter. Just the title alone makes one want to jump out of a window. Negativity seems to really sell to a large number of people. Let me tell you one thing I do know. Marc Faber has no idea whether the markets will collapse, fall apart or even go up. No one can know that. It can’t be known, because it has not happened yet. No one can know the unknown future, but boy are there a lot of people out there who think someone has that kind of magic crystal ball. How would you like to have to spend a lot of time with someone who always thought in such a negative way? It would be so depressing. Have you ever noticed how the world’s second richest man, Warren Buffet, looks at the world? It is always with optimism and a positive outlook. Just watching him on CNBC makes you want to invest and...

Retirement Savings Plans Made Easy by Local Financial Professional

Retirement Savings Plans Made Easy by Local Financial Professional

Mar 16, 2014

March 14th, 2014 Loganville, GA – Saving for retirement is a lifelong venture that requires hard work, significant forethought and dedication. However, significant knowledge of the financial industry can help ensure a financial strategy that compliments your individual portfolio. “Saving for retirement can seem daunting when the end goal appears so significant or distant,” said Damon Ladd-Thomas, Investment Professional of Damon Ladd-Thomas Wealth Management. “However, with an organized strategy and achievable objectives, saving for a comfortable retirement is a possibility.” Ladd-Thomas says it is important to get familiar with resources that are available, such as employer-sponsored 401(k) plans, employer pension plans, social security benefits and more. “Often, there are actions people can take to enhance their retirement savings strategy requiring little to no effort. The hardest part is becoming aware of these resources and taking advantage of them,” said Ladd-Thomas. There are also certain rules, regulations and policies that vary among retirement plans which could impact individual saving strategies significantly. Knowing the difference between traditional and Roth IRAs and becoming familiar with 401(k) withdrawal penalties can have substantial impacts. “In a world of ever-changing government rules and requirements, consulting a financial professional for help when it comes to saving for retirement can save time, money and hassle,” said Ladd-Thomas. Damon Ladd-Thomas Wealth Management is a local financial practice serving the needs of families, small business owners and retirees. With more than 19 years in the business, Ladd-Thomas is an experienced professional with the skills and knowledge many need to help plan for their financial future. Securities offered through NEXT Financial Group Inc. Member FINRA/SIPC. Damon Ladd-Thomas Wealth Management is not an affiliate of NEXT Financial Group Inc. Damon Ladd-Thomas Wealth Management is located at 305 Cooper Road Suite# 200; Loganville, GA 30052. P:...