Monday, November 26, 2018

Warning - Morethan Hits Non Fault Motorists With 42% Car Insurance Premium Hike / Personal_Finance / Motoring

By: N_Walayat

Warning for motorists that auto renewing your car insurance could prove costly. For instance renewing your car insurance with Morethan could see you pay as much as 42% more than last year, even if you have not been involved in an accident that was your fault.

Whilst motorists understand that if you are involved in an accident that is your fault then your insurance premium will rise at time of renewal. However, what many may not beware of is that some insurers such as Morethan will seek to penalise innocent NO FAULT motorists by hiking premiums by nearly 50%! This despite the fact that the insurer will have been fully reimbursed for costs incurred in the handling any claim. Effectively the same hike in premium as if the motorist had been at fault. So motorists really need to choose their insurance company wisely else face being hit with an extortionate price hike!

Sunday, November 25, 2018

Stock Market New Low in Store? / Stock-Markets / Stock Markets 2018

By: Andre_Gratian

Current Position of the Market

SPX: Long-term trend – Bullish, but correcting within the long-term bull market trend.

Intermediate trend –  bearish correction which could retrace as low as 2200 before it is complete

Analysis of the short-term trend is done on a daily basis with the help of hourly charts.  It is an important adjunct to the analysis of daily and weekly charts which discusses the course of longer market trends. 

Sunday, November 25, 2018

Precious Metals Moving In Unison For A Massive Price Advance: Part II / Commodities / Gold and Silver 2018

By: Chris_Vermeulen

As we continue to explore our custom research into the metals markets and our presumption that the metals markets are poised for a massive price rally over the next few months/years, we pick up this second part of our multi-part article illustrating our research work and conclusions.  If you missed the first part of this article, please take a minute to review it by before continuing further (Link to Part I).

We left off in Part I showing a number of supply and demand components and briefly highlighting our newest research using a custom Gold/Silver/US Dollar ratio index.  Our attempt at finding anything new that could help us determine the future outcome of the metals markets and to either support or deny our future expectations that the metals markets are poised for a massive price advance was at stake.  This new research would either help to confirm our analysis or completely blow it out of the water with new data.  Let’s continue where we left off and start by showing even more data related to our new custom metals ratio.

Sunday, November 25, 2018

US Government Works Better When Divided / Politics / US Politics

By: Steve_H_Hanke

The results of the U.S. mid-term elections were good news for not only the winners, but for most Americans. Yes, the federal government works better when divided, not unified. The 116th Congress—with the House of Representatives controlled by the Democrats and the Senate and White House under Republican command—may work better than the unified 115th Congress did.

The idea and evidence supporting this somewhat counter-intuitive idea was first presented to me many years ago by my good friend and collaborator, the late William A. “Bill” Niskanen. Bill was sharp as a tack. Indeed, he was one of Secretary of Defense McNamara’s “Whiz Kids” during the Kennedy-Johnson years. At the ripe old age of 29, Bill had a civilian rank equivalent to that of a brigadier-general. Bill was one to speak his mind, too. His sharpness and outspokenness occasionally landed him in hot water. Famously, while operating as the director of economics at Ford Motor Company in the mid-1970s, Bill publicly opposed U.S. government restrictions on the imports of Japanese automobiles, demonstrating why the restrictions would hurt Ford. For that infraction, Bill was sacked.

Sunday, November 25, 2018

Theresa May To Resign as Prime Minister When MP's Vote NO to EU BrExit Deal / Politics / EU_Referendum

By: Nadeem_Walayat

The next major crisis point in Britain's continually thwarted attempts to LEAVE the European Union will probably be in Mid December when MP's are expected to give their consent to the so called 'BrExit deal' which in reality is a 585 page suicide note aimed at keeping Britain permanently within the EU, effectively remaining in the EU in all but name which was the EU's objective from the outset, the signs for which were obvious for which we only needed to look at how the EU managed economic austerity across the South of Europe, creating defacto colonies out of the southern states ruled from Brussels which is destined to be the fate for the UK.

Saturday, November 24, 2018

BrExit WAR - Theresa May's Government Betraying BrExit New Dawn for Britain / Politics / EU_Referendum

By: Nadeem_Walayat

Where BrExit is concerned the middle path is turning out to be the worst path to follow, the path that pleases neither LEAVERs or REMAINER's, which is precisely the path that Theresa May's government remains determined to put Britain upon as she is wined and dined by Britain's new colonial masters in Europe. If Theresa May gets her way Britain would become a defacto colony of the European Union, subservient to EU Laws and regimes all without political representation. Effectively Britain coming full circle from the world's premier colonial master of a century ago to soon to become an in consequential periphery at the boundaries of a German Economic Empire.

Saturday, November 24, 2018

Trump's America, Front and Center / Politics / US Politics

By: Steve_H_Hanke

Public infrastructure in the U.S. is in bad shape and has been so for many years. Washington has fingered the importance of doing something about the decrepit state of America’s infrastructure for decades. It’s the bipartisan thing to do.

President Obama’s Council of Economic Advisers devoted a lengthy chapter in its 2016 Annual Report to the Nation’s infrastructure problems. Enter President Trump in 2017. The first thing out of his box was infrastructure. But, the “i” word faded away as rapidly as it entered President Trump’s lexicon. There was a little problem: the White House didn’t really have a fully developed infrastructure plan and most certainly had no legislative action plan. With last week’s elections, President Trump once again trotted out infrastructure, as did Nancy Pelosi—the most likely Speaker of the House, which will be controlled by the Democrats in the 116th Congress.

Saturday, November 24, 2018

Time to Start Charging Your iPhone and Samsung Galaxy Phones Wirelessly / Personal_Finance / Mobile Technology

By: HGR

Here's a review of a relatively low cost phone charger by HBorna bought from Amazon, to see how convenient wireless charging is compared to regular cable charging which we all know is prone to failure of both the cable and the phones charging port. This is the HBorna Wireless Charger, that works for iPhone XS/XR/X/8/8 Plus, Ultra-Slim and Samsung Galaxy Note 9/ S9/S8/S7/S7 Edge/Note 8/5 series of phones, and probably for others that have wireless charging capability, the HBorna currently costs £18.99 from Amazon (Direct amazon page link).

Saturday, November 24, 2018

Don’t Ditch These Traditional Marketing Methods Just Yet / Companies / Marketing

By: Dylan_Moran

It’s no secret that digital marketing has dominated businesses since the turn of the century. With the dawn of computers and smartphones, digital marketing methods have been a huge part of most business strategies and a lot of marketers have abandoned traditional methods thinking they’re already outdated.

Saturday, November 24, 2018

Key factors to take in to account when buying your first home / Housing-Market / UK Housing

By: Submissions

Saturday, November 24, 2018

5 Best Ideas to Get Rid of Throat Infection Overnight / Personal_Finance / Health and Fitness

By: Justin_Weinger

As we near towards winters, we know how this shift in the weather conditions can take a toll on our health. With the changing season people often get fever, cough, and cold.  At this time of the year, the October heat still continues to soar and the rain comes as a relief for the time being but adds more to the humidity and the fluctuations in weather is an open invitation for problems like cold and flu. Often we encounter health problems like viral fever, cough and cold during the flu season.

Friday, November 23, 2018

Silver Mining Stocks Q3’18 Fundamentals / / Gold and Silver 2018

By: Zeal_LLC

The major silver miners’ stocks have been largely abandoned this year, spiraling to brutal multi-year lows.  Such miserable technicals have exacerbated the extreme bearishness plaguing this tiny contrarian sector.  While profitable silver mining is challenging at today’s exceedingly-low silver prices, these miners are chugging along.  Their recently-reported Q3’18 results show their earnings are ready to soar as silver recovers.

Four times a year publicly-traded companies release treasure troves of valuable information in the form of quarterly reports.  Companies trading in the States are required to file 10-Qs with the US Securities and Exchange Commission by 40 calendar days after quarter-ends.  Canadian companies have similar requirements at 45 days.  In other countries with half-year reporting, many companies still partially report quarterly.

Friday, November 23, 2018

OECD Recommends Potential Major US National Debt Increases: The Impact On Retirement / / US Debt

By: Dan_Amerman

The Organization For Economic Cooperation and Development (OECD) is urging the nations of the world to be prepared for and have a coordinated plan to simultaneously engage in major "fiscal stimulus" in the event of a downturn in the global economy.

"Fiscal stimulus" is how economists refer to a government substantially increasing spending, while holding taxes constant or even reducing them. By pouring more money into the economy, while not taking more money out (or taking even less money out), the theory is that the economy and employment will get a large and positive jolt, and that this jolt will hopefully create sustainable economic and employment growth rates that persist after the stimulus is gone.

Friday, November 23, 2018

How Will the Rollback of Dodd-Frank Affect Gold? / Commodities / Gold and Silver 2018

By: Arkadiusz_Sieron

This reform will make US financial system more vulnerable, just adding fuel to the fire of easy money. This is what some people worry about. Are they right? We invite you to read our today’s article about the rollback of Dodd-Frank Act and its potential implications for the price of gold.

In May, President Trump signed the rewrite of the 2010 Dodd-Frank law passed earlier by Congress with rare bipartisan support. The bill is the biggest rollback of bank rules since the financial crisis. According to the new law, lenders with less than $10 billion in assets will be exempted from the Volcker rule that bans proprietary trading. Moreover, the bill eases rules on all but the largest institutions, raising the threshold by which banks are considered systematically important and, thus, subject to tighter oversight from $50 to $250 billion in assets. The smallest banks between $50 and $100 billion were immediately freed of stricter regulations, while depositary institutions between $100 and $250 billion in assets will be exempt from them beginning in November 2019, although they could still be subjected to the Fed’s enhanced supervision in times of need. Last month, the Fed just unveiled a proposal for the implementation of several major provisions of the new bill.

Friday, November 23, 2018

U.S. Stock Market’s Volume is Low Around Thanksgiving / Stock-Markets / Stock Markets 2018

By: Troy_Bombardia

Happy Thanksgiving! It’s important to remember that this week’s volume is very light, so don’t read too much into price action. The price can be easily pushed around by a few big players.

Let’s determine the stock market’s most probable direction by objectively quantifying technical analysis. For reference, here’s the random probability of the U.S. stock market going up on any given day, week, or month.

Friday, November 23, 2018

Advice to make it as a professional in the forex market / Currencies / Forex Trading

By: Submissions

The forex market is perhaps one of the most misunderstood markets out there. It’s seen only ever in its simplest form by many holidaymakers and travellers, while for newbie retail investors, it’s sometimes thought of as either too volatile or too complicated. For technical analysts, the heavy focus that many forex publications place on fundamental analysis points such as interest rate rises can seem too much.

Friday, November 23, 2018

Christmas Projector Light Ideas for Holidays 2018! / Personal_Finance / Shopping

By: Anika_Walayat

Christmas is just around the corner and this year many households are looking to go beyond the usual string and icicle light by adding animated projector lights to their x-mas lights aresenel. Not only do the represent something different, but are much easier to put up then string lights.

Here we test out 3 various projector lights all of which can be bought from Amazon.

Friday, November 23, 2018

RedSpottedHanky.com Unreliable Train Travel Evouchers Bookings for Tesco Club Card Customers / Personal_Finance / Travel & Holidays

By: N_Walayat

Unfortunately it's not just Britain's network rail services that are proving unreliable for Britain's long suffering train passengers, now even booking agents such as Red Spotted Hanky are letting down travelers, leaving them in the lurch for those who use their evouchers system such as Tesco Club Card customers, many of whom had come to rely on this service as a means of utilising their tesco club card points.

Friday, November 23, 2018

XLY – Don’t Count the American Consumer Out Yet / Stock-Markets / Retail Sector

By: ElliottWaveForecast

The U.S. Consumer Measured Via the XLY

“The U.S. economy is the global economic driver. And within the U.S. economy, the U.S. consumer is the global driver.” James P. Gorman

We’re Entering In Negative Territory for 2018

The stock market (measured via the S&P 500 and Dow Jones Industrial Average) has officially erased all of its 2018 gains. I can see from the headlines like the one pictured below from The Drudge Report that there’s certainly starting to be a bit of panic in the air.

Friday, November 23, 2018

There is evidence that deflationary forces are already taking hold in America / Economics / Deflation

By: EWI

By Murray Gunn

When I was writing technical analysis reports for the customers of a major global bank, I received some interesting feedback from one of the bank's relationship managers. The customers liked the reports, she said, but it would be good if I made them less "technical." Making technical analysis reports less technical, hmmm. (To be fair, it is actually good advice because striking a balance between technical details and readability is an art.) Sometimes, though, an explanation of a concept cannot help but delve into some detail. So please bear with me on this one.