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Warning: This Article Will Blow Your Mind. 17 Year Cycles Within Human Life. Why Human Life Takes The Same Trajectory As The Stock Market.

 

Warning: The information presented here is a small subset of information available from my research in this area.  A small summary, a generalization. While a lot more research needs to happen, the author is disinterested in studying human life.  Instead, it is a lot more profitable and fun to study the stock market, an environment where the same forces manifest themselves.  Yet, the author guarantees one thing. By the time you finish this article your mind will literally be blown.

mind-blown

I have been fascinated with the stock market, future, prophecy, cycles, various ancient cultures and mysticism ever since I can remember. Over the last decade or so I have spent the majority of my time studying financial markets and how they work. What I have discovered thus far is truly incredible.

While most people believe the stock market is volatile, random and unpredictable, it is not. On the contrary, the stock market is exact and predictable once you understand how it truly works.  While doing this research into the stock market one thing struck me.  

I have noticed that the stock market bull/bear cycles match my life almost perfectly.  My life (personal and financial) seems to oscillate, surge higher, collapses, expand and generally behave in the same fashion the stock market does.  Once I ran some calculations, I was shocked.

I will get back to that in the second, but first let me explain how human life truly works behind the scenes. The knowledge comes from both the stock market research and my own level of spiritual enlightenment.

First, let’s start with a simple notion. Everything (all matter) in our sphere of existence is 3-dimensional and made out of energy. That energy vibrates and it is this rate of vibration (or oscillation) that splits all matter into different compounds, elements,  etc…. Again, the source is one, energy. We are all unified. It is the rate of vibration that determines output.  If you are not sure about this, please confirm the same with your own research.  

The stock market as well as individual stocks have their own rate of vibration. That rate of vibration is set at the time of inception. In case of individual stocks, at the time of their IPO. As stocks continue to trade, years and decades into the future, their rate of vibration simply repeats itself.  They grow, decline, surge, collapse and even die (merge/bankruptcy/delisting) based on their rate of vibration.

Same thing applies to human beings.  Your rate of vibration is determined at your exact moment of birth. To the second. The more precise the time, the more accurate your individual forecasts can be.  In fact, once you penetrate this knowledge and fully understand what is going on behind the scenes, you can predict your time of death to the day.  You physical body/life will terminate at its precise point. There are no accidents. You will die exactly when you are supposed to die and there is nothing you can do to stop it. That is how sages like Jesus, Nostradamus, Casey and many other  were able to predict their exact time of death ….before it had happened.

Now, in addition to your own personal cycles, there are, as I call them “Mass Cycles” which represent society as a whole. Their order of magnitude is somewhat higher than individual cycles and at times they have an immense impact on large portions of Earth’s population. These cycles include things like disease and wars. I am already making this too complicated so let’s get back to the stock market.

I have already talked about a few major stock market cycles. One of them is a 17/18 year alternating bull and bear market cycle. They are always there and they alternate. In fact, you will find them if you go all the way back to the inception of the stock market in the US in 1790.

Basically, this same 17/18 year cycle guides the growth/decline within your own human life.  Please allow me to illustrate.

Human Life Cycle

Year 0-17. Bull Market In One’s Life: I call this period unconscious growth and happiness/bliss through ignorance. This is a period of time where human beings go through immense growth. Learning to talk, walk, write, think, lie, etc…. We also learn about our environment and what it is like to be human. Generally, it is a happy and a carefree time for all of us. Our parents take care of all of our basic needs (food, shelter, etc) while we grow and become adults. This bull market or cycle of growth coincides and terminates with high school graduation and/or arrival at your own sexual peak.  

Year 17-34. Bear Market In One’s Life:  This period of time is defined as period of hardship and discovery. Very few people (even in college) know exactly what they would like to do. Most people float around trying to figure out what they want out of life. Further, financial support provided by the parents is typically withdrawn.  Making things infinitely more difficult. Very few can land a good paying jobs or save enough money. This period is often filled with huge disappointments, catastrophic events and challenges. Worst of them happen between the age of 24-26 (they represent mid cycle bottoms…similar to 2007-09 collapse in the stock market). This period typically covers the first divorce. While it might seem like you are growing, generally this is not a very good period.  For most people, life is very difficult during this time. 

Year 34-51 Bull Market:  Things begin to change. You have likely figured out your career path and you begin to accelerate your growth trajectory. You are starting to figure things out and your financial compensation begins to grow. Sometimes significantly.  Both your personal and financial life are coming together.  Generally this is a period of immense growth and prosperity.

Year 51 – 68 Bear Market:  AKA midlife crisis. As you reach this half point you look back and begin to question your life. As you mature, things you have done in the past, the life you have built, the things you have accomplished, the children you have raised and the businesses you have build seem pointless. Your old believe system begins to break down as you begin to search for meaning.  This is a period of time where a lot of changes occurs. Second careers, seeking happiness, second divorces, etc… tend to happen. This is a very difficult time with lots of ups and downs. One should be very careful between the age of 57-61. This is the period of time where the worst of it is likely to happen. 

Year 68 – 85 Bull Market:   People tend to let go and/or retire during this stage to “enjoy” their life. Most realize that they have already achieved what they could and as a result, no longer driven.  They tend to let go which brings bliss into their lives. People tend to sit back, relax and enjoy their time with families. This period brings relaxation, contempt, satisfaction, family life and happiness to the forefront.

Year 85 -102 Bear Market.   If you are lucky enough to make it thus far you body will really start to break down within this cycle. Leading to pain, suffering and general discomfort. In many cases you will be unable to take care of yourself and require assistance.  Most people who make it into this time frame will die within this 17 year cycle.

Now, understand, this cycle is the primary cycle. It is based on the time of your birth. For some people it might work perfectly, while for others the cycle might invert.  While for most people this 17 year cycle will start at the time of their birth, for some it might start at the age of 5 or 7 or 10. You just have to adjust the above to the structure of your own life in order to understand where you are in the cyclical composition. Unfortunately, I can’t do that for you.

How well does it work? Let me give you my personal life example and connect it to the stock market to show you how beautifully it works.

I was born in 1979, the stock market bull market started in 1982 and ended in 2000. A 3 year offset.

Inflation or Deflation InvestWithAlex

My Bull Market:  1979-1997 (18 years)

Again, this is the period of blissful ignorance. Even though I grew up in Russia, I had a great childhood. Bull markets typically end with a 5 year blow off top cycle. For me, this blow off top came when I first moved to the United States at the age of 15 in 1995. This was a definite improvement versus my life in Russia and the pinnacle of my bull market that ended shortly thereafter when I graduated from high school in May of 1997. Exactly 18 years (to the day) after I was born.

My Bear Market:  1997-2014 (17 Years). 

(While some bear markets flat line during this time (period of no growth) other bear markets exhibit fast declines and massive bear market rallies. I will now match the bear market of 2000-2017 to my own life. Please remember, there is a 3 year offset. )

1997-2001 University.  Nothing drastic happened during this time. Just a lot of school work and work in general. (Stock market 2000-2004 while it ended flat over the 4 year period of time, there was a significant drop into the 2002 bottom).

2001-2005 Started my business.  Huge bear market rally in my life. I have built my own hedge fund and made a lot of money. I became a multi-millionaire. (Stock market rallied between 2004 and late 2007/08. A huge bull market rally within the secular bear market)

2005-06 Disaster strikes. I have lost everything I have worked for. (Stock market collapse 2008-09.

2006-2011: Massive bull market rally. Everything I touched turned to gold. I started a business and quickly grew it into a $5 Million company. (Bull market rally of 2009-2014).

2011-2013: Nothing works. A definite bear market leg. Got divorced as soon as the bear market leg started. Worked my ass off, but everything I touched turned to absolute shit. I have never experienced this before.  (Upcoming bear leg in the stock market 2014-2017 as per my mathematical forecasts presented on the site).

2014-2031: My bull market has already started. The stock market will bottom in 2017 and will start its bull market thereafter.

I hope the example above clearly illustrates how accurate this analysis can be.

Again, your personal rate of vibration might be offset by X number of years or even inverted. Please think about your life and try to apply these 17/18 year cycles towards it. Once you have figure out the spacing, I guarantee, you will be amazed how well it works within your own life.  Plus, you will know exactly where you are in the cycle and what course of action you should take going forward.

Yet, the repercussions of this approach go even deeper. If nature, the stock market and human life is not random, but exact…..what does it mean?  Do we have free will?

Whether or not we have free will is outside the scope of this discussion, however, I will put it this way. The Universe and its dimensional architecture is beyond incredible. Once it is fully understood all randomness disappears.  Everything around us (our life, the stock market, future, etc..) is exactly as they should be.  So, put a smile on your face and enjoy life.   

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Warning: This Article Will Blow Your Mind. 17 Year Cycles Within Human Life. Why Human Life Takes The Same Trajectory As The Stock Market. Google

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Obama’s Budget BS

Obama’s new budget proposal is so laughable it has more holes than a block of Swiss Cheese. Let’s take a look at just a few things to see how ridiculous it is. 

The U.S. economic recovery that began in 2009 will continue to gain momentum over the next few years. 

Oh yeah, based on what? If anyone in the Government had bothered to study economic cycles they would soon conclude that they can’t forecast prosperity into perpetuity. Particularly, today’s recovery that has been driven entirely by credit and speculation. As our forecast clearly indicates (Click Here) the US Economy and financial markets are about to go through a major bear market/recession. Good luck with that momentum. 

The unemployment rate, which was 6.6 per cent in January, will continue to slowly decline over the next five years, stabilizing at 5.4 percent by 2018

Why not just say 1.2% by 2075. Again,  the upcoming recession and bear market (2014-17) will drive unemployment much higher. Would you want to read something scary? Here, 4 Reasons US Unemployment Rate Will Be At 20% By 2017. 

U.S. housing market has shown clear signs of recovery. 

I would hope housing would show some signs of recovery after the FED pumped over a $1 Trillion into the economy over the last 3 years alone. Yet, this recovery is nothing but a dead cat bounce. Would you like to know what the real future of real estate is? Click Here to read our comprehensive real estate report. 

In a nutshell, this report is not worth the paper it is printed on. 

P.S. I have no political affiliation either way. In fact, I believe we will be much better off without government at all.  

cheese-mouse

WASHINGTON (AP) — President Barack Obama’s $3.9 trillion budget proposal for next year suggests the U.S. economic recovery that began in 2009 will continue to gain momentum over the next few years but that the unemployment rate won’t fall to pre-recession levels of below 6 percent until 2017.

The White House forecast that the budget deficit would fall from $649 billion in the fiscal year that ends Sept. 30 to $564 billion in fiscal 2015 and $458 billion in 2017. If the projections hold up, it would mark three years in a row of annual red ink below

$1 trillion.

The unemployment rate, which was 6.6 per cent in January, will continue to slowly decline over the next five years, stabilizing at 5.4 percent by 2018, the administration projected. That’s down from a high of 10 percent reached during the 2008-2009 recession.

The economic forecasts, included in the president’s budget proposal for the fiscal year that begins Oct. 1, are generally in line with projections made by other government and private forecasters.

However, the White House projects a 6.7 percent unemployment rate for 2015. While that’s the same level as in the Blue Chip Consensus — an average of about 50 private-sector forecasts— it is more optimistic than the Congressional Budget Office, which projects 2015 unemployment at 7.1 percent.

The administration forecast is based on assumed congressional approval of all of Obama’s budget tax and spending proposals, an unlikely prospect.

The most recent unemployment rate available is January’s 6.6 percent. That’s getting close to the 6.5 percent threshold the Federal Reserve suggested might be the point at which it would back away from its policy of keeping short-term interest rates at near zero.

The budget document said that the U.S. housing market has shown “clear signs of recovery, after its collapse in 2007 and 2008, which was a major cause of the financial crisis and recession.”

The administration projects that, as a share of the nation’s total economic output, the deficit next year would be 3.1 percent of the nation’s gross domestic product. That’s down from the 2009 peak of 10.1 percent.

Still, spending is expected to rise again in the next decade as the population ages and draws on retirement and health care benefits without new sources of revenue.

The White House projected that interest on a 10-year Treasury bill would rise from 3.0 percent now to 4.3 percent in 2017 and reach 5.0 percent by 2021.

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Investment Joke Of The Day. Invest In Beer

 budweiser

If you had bought $1000.00 worth of Nortel stock one year ago, it would now be worth $49.00. 

With Enron, you would have $16.50 of the original $1,000.00. 

With WorldCom, you would have less than $5.00 left. 

If you had bought $1,000.00 worth of Budweiser (the beer, not the stock) one year ago, drank all the beer, then turned in the cans for the 10 cent deposit, you would have $214.00. 

Based on the above, my current investment advice is to drink heavily and recycle.

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Investment Joke Of The Day. Invest In Beer  Google

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Thank You For The Rally Mr. Putin. Plus, Market Update

daily chart march 4, 2014

3/4/2014 – A massive stock market rally with the Dow Jones up +227 points (1.41%) and the Nasdaq up +74 points (1.75%). 

Traditional media would lead you to believe that today’s rally was due to ease of tension between Russia and the West. Once again, looking at the market in such a fashion would be confusing cause and effect. Yesterday, I had mentioned that the market will close the gap it had opened up on Monday. It did so today, but it did open up another large gaping hole on the downside. When will it be closed?  It’s not too important at this stage. 

Either way, as I indicated earlier, the volatility is back. Today we had an arrival of an important cycle from 2007 top. An exact hit. This cycle is the most likely culprit in today’s rally. With many cycles and points of force interfering with each other I continue to believe that March will be a very volatile month. So far, that has been the case. 

As I suggested in my earlier forecasts the markets are close to a very important point of inflection.  I did give a number of dates (please see yesterday’s forecast), but the price variable remains fixed. Let’s see if the market is able to reach XXXX on our first target date of XXXX.

When it does, it will mark a structural shift in the stock market. With a proposed plan of action outlined throughout our daily and weekly updates, I am confident you will be very well positioned to profit from it.  

In terms of trading and positioning, XXXX

Please Note: XXXX is available to our premium subscribers in our + Subscriber Section. It’s FREE to start. 

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Thank You For The Rally Mr. Putin. Plus, Market Update Google

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Is It Time To Short Facebook?

Facebook has been on fire lately with its stock price appreciating 200% over the last 9 months. Of course, Facebook is not alone. Tesla, Google and many other highly speculative issues are up big time since this credit driven stock market rally made a push for its blow off top a year ago.

With that said, Facebook is going out on a limb of stupidity with it’s ridiculously overpriced purchase of WhatsApp two weeks ago and now an apparent purchase of drone maker Titan Aerospace for $60 million.  Something tells me that Titan doesn’t have any revenue either, but that’s beside the point.

The issue here is as follows. Mark Zuckerberg doesn’t know what to do with all of his cash. It’s burning a hole in his pocket and he is making idiotic decisions reminiscent of the tech bubble. While Facebook’s stock is still technically strong, there is no doubt that these stupid capital allocations will catch up to Facebook sooner rather than later.Once the market begins to breakdown as per my FORECAST I would anticipate Facebook to come down significantly.  

Making Facebook a great short opportunity. (Not yet, wait for a technical breakdown)

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Facebook will buy drone maker Titan Aerospace for about $60 million, a source familiar with the situation told CNBC on Tuesday.

The solar-powered drones can reportedly be airborne for up to five years without having to land.

The deal is part of Facebook’s ambition to provide Internet access worldwide. News of a possible deal was first reported by TechCrunch.

Last summer, Mark Zuckerberg announced a project called Internet.org—a partnership with a number of other tech giants that aims to make Internet available to everyone in the world. The solar-powered drones could help Facebook provide Internet to areas around the world without it, starting with Africa.

Titan Aerospace is privately held, and is based in New Mexico. The news comes after the social network acquired messaging app WhatsApp for $19 billion last month.

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Is Time To Short Facebook? Google

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When Buffett Speaks Peasants Listen

Over the last few days Warren Buffett released his annual letter to shareholders as well as did a few interviews. Here are some of the highlights. 

  • Ukraine doesn’t matter – I agree. 
  • The stock market is NOT being manipulated – I agree. 
  • The US Economy is OK, but it will be fine. – Disagree. As per my mathematical & timing work, we will have a severe bear market and a recession over the next 3 years. 
  • Railroads will do very well in the future –  hmm, OK, check out some railroad stocks everyone. 
  • Bitcoin is a speculative BS – I agree

Whether or not you agree with Buffett or his policies, it always good to read or listen to one of the brightest minds on the face of this Earth. You can check his latest letter to shareholders here Berkshire Letters  

buffett investwithalex

Two days after publishing his annual letter to shareholders, Warren Buffett is on CNBC speaking with Becky Quick.

Equity fund managers Todd Combs and Ted Weschler will also be on later in an extremely rare appearance.

On Ukraine

Off the bat, Quick asked for his take on the tension in Ukraine.

Rather than addressing the turmoil directly, Buffett said that he does not consider these types of skirmishes when he invests in companies.

“I never really buy businesses based on macro factors,” he said.

He noted that he invested in his first business in the wake of the attack on Pearl Harbor.

On The Stock Market

Regarding the market itself, Quick asked if the mom-and-pop investor really could get a fair shot as some argue that the market is actually rigged.

Buffett was skeptical that the $20-plus-trillion stock market could actually be rigged.

“People should stop calling it the stock market,” he said. “It’s American business.”

On The U.S. Economy

“Exactly what’s been going on since the fall of 2009 continues,” he said, reminding us that he gets live updates from the 80+ companies he invests in. “Moderate but consistent growth for four and a half years. Every now and then we get excited about a speeding up and every now and again we worry about a double dip.

“In terms of what we see, it’s been almost a straight line, but not at the kind of slope that people would like. But not flat either.”

“We haven’t gotten wildly optimistic and we haven’t gotten wildly pessimistic,” he added, emphasizing that things have been pretty steady.

On Weather

“It’s certainly a factor,” he said. “Our railroads don’t work as well … and those things compound.”

“The biggest risk … to us would be earthquakes in New Zealand,” said Buffett recognizing that the hurricane insurance business has been very good to Berkshire.

On Selling Coca-Cola, Wells Fargo, And American Express:

“None of the stocks are forever but they’re for very long terms,” said Buffett to a question of when he planned on selling these stocks.

On IBM

A reader asked if Buffett felt he made a mistake with this stock.

“The financial performance has been pretty good but it’s been helped with low tax rates,” Buffett said, adding that there was a lot going on in the business due to cloud tech. “It’s fair to say I know less about the future of IBM than I do about Wells Fargo or Coca-Cola. … In terms of the price action, that means little to me. The fewer the shares outstanding the better I like it. … I would like to see the revenues pick up.

“We bought a few more shares last year, but not many. We bought a few shares this year.”

On Railroads

Buffett’s still bullish on the industry

“The future of railroads is very good,”  he said.

On The Keystone Pipeline

 It’s a “very good idea for the country.” 

“I’d vote yes,” he said later.

On Being Considered “Too Big To Fail”

Buffett says Berkshire has heard nothing from regulators about the derivatives on his book making his company TBTF. “We never have any significant short-term debt, we always have bundles of cash. … We’re large, but Exxon Mobile is large. … It’s very unlikely we’d be categorized like that.”

On Washington

“It’s more or less a stalemate,” said Buffett, who also said he can’t imagine things getting worse.

On Raising The Minimum Wage

“It really cuts both ways, you’d like to have people getting paid more but you also want more people employed. I could argue both sides. … What you really should do is increase the earned income tax credit. … I think you can accomplish way more through the earned income tax credit. … There’s trade offs on the minimum wage and you can do all these studies but they don’t know.”

The Greatest Thing Obama Can Do To Create Jobs

“Further fiscal stimulus would increase job growth,” said Buffett, “but you pay a price for that.”

Buffett also disagrees with the view that the Fed’s low-interest policy is exacerbating the issue.

Who’s doing a better job cleaning up their mess? — Obama or BofA CEO Brian Moynihan

“Brian Moynihan didn’t have to convince the United States Congress,” said Buffett.

On Ukraine as WWIII or the next Cold War

“The last thing you’d want to do is hold money during a war. … During WWII the stock market advanced. … You’re gonna be a lot better off holding productive assets over the next 50 years over stocks or bitcoin.”

On Bitcoin

“It’s not a currency,” he said. “I wouldn’t be surprised if it wasn’t around in the next 10-20 years.”

“It’s being priced off the dollar,” Buffett added. “It is not a durable means of exchange.”

On Todd Combs And Ted Weschler

“Todd and ted look at investments very much like I do,” he said, noting that they think about businesses rather than stocks.

“It’s a combination of soundness and brilliance,” he added saying that they think about the things that haven’t happened yet.

“They’ve made Berkshire billions already.”

 Todd Combs, Ted Weschler and Tracy Britt Speak

“Ninety percent of things you can dismiss within five minutes,” said Todd Combs, who said he spends much of his time reading company filings.

“Know the situation; wait for the right price,” said Weschler on his investment process. “Be ready.”

On activist investing:

“The way some people use the word ‘shareholder value’ kind of puzzles me,” said Buffett, at Berkshire he wants to build sustainable earning power over time. He said this in reference to Carl Icahn’s push for Apple to buy back stock. He said that Apple’s refusal to go all the way with Icahn’s proposal was likely a sign that it was looking to do the same thing.

On an economic slowdown:

“My impression is that the American economy over the last five years has been moving at a steady rate, upwards.”

Buffett said that some sectors may not be doing as well, and the economy isn’t growing as fast as people would like.

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Mortgage Origination Collapses, Cash Is King. What’s Next?

 I know, I know. You are just as shocked to the core as I am. Here is a quick summary: 

  • Loan originations declined to the lowest point since November 2008
  • Property sales remained relatively strong, supported by increased cash purchases…..
  • Approximately 709,000 HARP-eligible loans vs. 2,306,000 in Jan. 2013
  • 2013 home equity lending up 26 percent vs. 2012, but still down over 90 percent from 2006
  • HELOC performance in recent vintages is pristine, but new problem loan rates continue to rise for those beginning to amortize

So, loan origination is the lowest since 2008 and down 60% year-over-year, but investors are still buying hand over fist. Well, that’s dandy. If Blackstone Group is financing dentists and plumbers so they can find them investment properties it mean the real estate market is going through the roof. Right? Duh…Read my full report on collapsing Real Estate Here. 

USHOWN_Max_630_378

Black Knight’s January Mortgage Data Shows Further Declines in Loan Originations and Fewer Refinance Prospects  

But First Increase in Home Equity Lending Since 2006

March 04, 2014
 
  • Loan originations declined to the lowest point since November 2008
  • Property sales remained relatively strong, supported by increased cash purchases
  • Approximately 709,000 HARP-eligible loans vs. 2,306,000 in Jan. 2013
  • 2013 home equity lending up 26 percent vs. 2012, but still down over 90 percent from 2006
  • HELOC performance in recent vintages is pristine, but new problem loan rates continue to rise for those beginning to amortize

JACKSONVILLE, Fla. — March 4, 2014 — Today, the Data and Analytics division of Black Knight Financial Services released its latest Mortgage Monitor Report, looking at data as of the end of January 2014. Black Knight observed a general decline in the overall “refinancible” population of both traditional and HARP-eligible borrowers with associated loan origination volumes dropping in both categories as well.

“In January, we saw origination volume continue to decline to its lowest point since 2008, with prepayment speeds pointing to further drops in refinance-related originations,” said Herb Blecher, senior vice president of Black Knight Financial Services’ Data & Analytics division. “Overall originations were down almost 60 percent year-over-year, with HARP volumes (according to the most recent FHFA report) down 70 percent over the same period. These declines are largely tied to the increased mortgage interest rate environment, which is having a significant impact on the number of borrowers with incentive to refinance. A high-level view of this refinancible population shows a decline of about 13 percent just over the last two months. 

“Of course, in addition to higher interest rates, a good deal of this decline can be attributed to the fact that a majority of those who could refinance at historically low rates in recent years already have, and we see a similar dynamic in terms of HARP-eligible loans. The volume of HARP refinances over the past year has driven this population down to about 700,000 loans in January 2014, as compared to over 2.3 million at the same time last year. From a geographic perspective, outside of Florida and Nevada, we see the Midwestern states of Illinois, Michigan, Missouri and Ohio have among the highest percentage of HARP eligibility.”

However, while loan origination volume has declined year-over-year, property sales activity remained relatively strong through year-end 2013, with December’s monthly sales up 3.7 percent year-over-year and full year 2013 up 8.4 percent vs. 2012. Fourth-quarter sales were bolstered by a jump in the percentage of cash sales, to over 40 percent of the total, up from about 25 percent in the prior year.

The most recent data also marked 2013 as the first year in which home equity lending had increased since 2006 — though total home equity volumes (including both loans and lines of credit) were still down more than 90 percent from that time. Black Knight found that the current resurgence in home equity origination is concentrated in so-called “super-prime” borrowers, with average credit scores for first- and second-lien HELOCs at 786 and 779, respectively. This concentration has paid off in terms of loan performance: delinquency rates on HELOCs originated over the past four years have averaged at just 0.1 percent. At the same time, HELOCs originated prior to 2004 (and therefore in the amortizing stage of the loan) are seeing increased rates of new problem loans — up 27 percent year-over-year as of January.

           As was reported in Black Knight’s most recent First Look release, other key results include:​

​Total U.S. loan delinquency rate: 6.27%    ​
​Month-over-month change in delinquency rate: ​-2.96%
​Total U.S. foreclosure pre-sale inventory rate:  ​2.35%

 
​Month-over-month change in foreclosure pre-sale inventory ​rate:        ​-5.32%
​States with highest percentage of non-current* loans: ​MS, NJ, FL, NY, LA
​States with the lowest percentage of non-current* loans:         ​ ​MT, CO, AK, SD, ND

​*Non-current totals combine foreclosures and delinquencies as a percent of active loans in that state.

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Future Weapons Of War. US Treasury Bonds

What would be the first thing to happen if China and the US ever go to war?

Today, one of Putin’s advisers Sergei Glazyev gave us an indication. China would immediately dump $1.3 Trillion in the US Treasury at market. Many other nations would follow immediately (sell first, ask questions later) making the US insolvent and bankrupt overnight. Surging interest rates, collapsing equity markets and devastated economy would  be the immediate result. Surely, the FED would try to backstop any such action but they will be powerless given the volume. 

In fact, this action would probably cause more economic damage than any nuclear weapon could.  

It is unfortunate that the US finds itself in such a situation, but that is the price we have to pay for today’s “fake prosperity” through monetary policy, credit infusion and speculation. Even though Sergei Glazyev is being silenced for the time being, today, he gave us a clear indication of how future wars will be fought by suggesting that Russia should dump all of its Treasure holding if the US is to impose sanctions. 

1977TreasuryBond

MOSCOW, March 4 (RIA Novosti) – An adviser to Russian President Vladimir Putin said Tuesday that authorities would issue general advice to dump US government bonds in the event of Russian companies and individuals being targeted by sanctions over events in Ukraine.

Sergei Glazyev said the United States would be the first to suffer in the event of any sanctions regime.

“The Americans are threatening Russia with sanctions and pulling the EU into a trade and economic war with Russia,” Glazyev said. “Most of the sanctions against Russia will bring harm to the United States itself, because as far as trade relations with the United States go, we don’t depend on them in any way.”

Glazyev noted that Russia is a creditor to the United States.

“We hold a decent amount of treasury bonds – more than $200 billion – and if the United States dares to freeze accounts of Russian businesses and citizens, we can no longer view America as a reliable partner,” he said. “We will encourage everybody to dump US Treasury bonds, get rid of dollars as an unreliable currency and leave the US market.”

According to US Treasury data from the end of 2013, Russian investments in US government bonds total around $139 billion out of a total of $5.8 trillion of US debt held in foreign hands.

US Secretary of State John Kerry on Saturday warned that Russian military interventions in Ukraine, which have been justified by the Kremlin as protection for residents in heavily ethnic Russian-populated regions, could result in “serious repercussions” for Moscow.

“Unless immediate and concrete steps are taken by Russia to deescalate tensions, the effect on US-Russian relations and on Russia’s international standing will be profound,” Kerry said.

Kerry mentioned economic sanctions, visa bans and asset freezes as possible measures.

Former deputy energy minister and lively government critic Vladimir Milov slammed Glazyev’s remarks, saying they would put further downward pressure on the ruble, which was pushed down Monday to a record low of 36.5 against the dollar amid fears about the possible outbreak of war.

“That idiot Glazyev will keep talking until the dollar is worth 60 [rubles],” Milov wrote on his Twitter account.

A high-ranking Kremlin source was quick to distance his office from Glazyev’s remarks, however, insisting to RIA Novosti that they represented only his personal position.

Glazyev was just expressing his views as an academic, and not as a presidential adviser, the Kremlin insider said.

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Future Weapons Of War. US Treasury Bonds Google

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RadioShack Is Closing 1,100 Stores. Time To Buy?

RadioShack (RSH) is a shadow of its former glory. There is no arguing that. What was once a $70 stock is now selling at about $2.40. Today the company announced that it is closing 1,100 underperforming stores (about 25% of its stores) as it continues its turnaround plans. As of today, the company continues to lose money and there seems to be no hope left.

The question is…..is this company toast or is this the next Tenbagger?  

RadioShack reminds me of RiteAid (RAD), which is up 550% over the last 1.5 years. RadioShack is selling well below its Intrinsic and Book Value. The primary question is this. Will the company be able to execute it’s turnaround plan and recover or will it be filling for bankruptcy within a few years. We won’t know either way until the stock price confirms. RadioShack chart is starting to look very good. With firm base in place and an indication of a bull move, RadioShack’s turnaround might work out. If it does, this stock is likely to be up over 1,000% over the next 5 years. It is definitely going onto my watch list. 

Please do your own research.  

radio-shack

March 4 (Reuters) – Struggling retailer RadioShack Corp reported a wider quarterly loss on Tuesday and said it will close up to 1,100 U.S. stores after a huge drop in sales over the holidays, sending the stock down more than 15 percent.

Sales at the Fort Worth, Texas-based chain have been in free fall amid executive departures, tough competition and an image problem. Despite its ubiquitous presence in the United States, analysts say it has not done enough to transform itself into a destination for mobile phone shoppers or become hip enough to woo younger shoppers.

Its net loss widened to $191.4 million, or $1.90 a share, in the fourth quarter, from $63.3 million, or 63 cents, a year earlier.

Sales fell to $935.4 million in the quarter covering the all-important holiday season, from $1.17 billion in the year-ago period. Analysts, on average, looked for sales of $1.12 billion, according to Thomson Reuters I/B/E/S.

Sales at stores open at least a year fell 19 percent on weak customer traffic.

Chief Executive Officer Joe Magnacca, who took the helm in February 2013, has said he expected the turnaround to take several quarters.

The stock fell 15.4 percent to $2.30 in premarket trade.

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RadioShack Is Closing 1,100 Stores. Time To Buy? Google

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Chilling Video. This Is How Wars Start

That’s about as close as you can get before shooting starts.

If you don’t speak Russian, one of the Ukrainian soldiers keeps screaming “America is with us” and “America is behind us”…. What an idiot. 

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Chilling Video. This Is How Wars Start  Google