Today, almost everyone gets a medical check-up done at regular intervals. Yes, it is extremely important to remain in the pink of health to achieve our dreams in life. Most of us also get our personal assets (such as car, air-conditioner, refrigerator etc.) serviced atleast once in a year in order to avoid them getting out of use.
Well, but what many forget is that the same principle applies to our financial plans as well. Without a timely review of your financial plans, you are most probably bidding a goodbye to your financial goals!
The following points would help you recognise why reviewing your financial plan is necessary:
��Achievable Goals
While preparing financial plans, one defines certain set of goals and objectives thereto that he/she anticipates to achieve in a given time frame. For example, you could be saving for buying a new home, or for higher education of your children. But you may need to revisit all your goals after certain points in time to adjust the amounts (investment and target) based on the on-going financial conditions (such as inflation rate and economic environment).
Best Life Sciences Stocks To Watch Right Now: Rutter Inc (RUT)
Rutter Inc. (Rutter) focuses on providing technologies and manufacturing solutions. The Company supplies technologies to improve efficiency and safety in the marine, defense, transportation, oil and gas sectors. The Company produces and globally markets enhanced radar systems, including oil spill detection, ice navigator, small target detection and wave-monitoring systems. The Company also offers a full range of outsource manufacturing services including: product engineering and design; materials management; manufacturing; sub-assembly; systems integration; project management; testing; logistics and documentation and provides full cycle customer support for all Company products and selected third party components/products that it manufactures under contract. Rutter�� sigma S6 radar signal processing products are designed to enable end users to detect and track objects which would not be visible with conventional radar equipment only. Advisors' Opinion:- [By William L. Watts]
The first day of trading for Farmland (FPI) , which plans to get taxed as a real-estate investment trust, was hardly frothy. The stock ended at $12.98, down $1.02, or 7.3% below its $14 offering price. The broader market dropped sharply, sending the Russell 2000 (RUT) �down 1.4%, though some IPOs surged.
- [By Wallace Witkowski]
Debate is still lively whether a bear market is lurking around the corner . Some argue that the meandering market is the grumbling of a bear market that will start with a whimper. Then, there�� also a historical precedence for weak markets before the midterm elections during a presidential cycle . And over the past few weeks, there�� a been a spike in worry that the selloff in small-cap stocks, reflected in the 10% pullback in the Russell 2000 (RUT) �, was the harbinger of a broader retreat.
- [By Anora Mahmudova]
The Russell 2000 (RUT) index of small stocks closed 11 points, or 1%, lower at 1,097.43.
Top 5 Sliver Stocks To Invest In Right Now: Art's-Way Manufacturing Co. Inc.(ARTW)
Art?s-Way Manufacturing Co., Inc., together with its subsidiaries, engages in the manufacture and sale of agricultural equipment in the United States. It offers portable and stationary animal feed processing equipment and related attachments used to mill and mix feed grains into custom animal feed rations; a crop production line that includes grain drill equipment; hay and forage equipment consisting of forage boxes, forage blowers, running gears, dump boxes, rotary rakes, finger wheel rakes, and mergers; stalk shredders; portable grain augers; manure spreaders; sugar beet harvesting equipment; land maintenance equipment; and moldboard plows, as well as provides hay blowers to original equipment manufacturers. The company also manufactures and supplies pressure steel vessels and steel containment systems for water treatment, air receivers, refineries, co-generation, chemical, petrochemical, storage tanks, agriculture, marine, refrigeration, hydro pneumatic, heavy equipmen t, pharmaceuticals, and mining industries. In addition, it provides services, such as custom CAD drawing; welding; interior linings and exterior finishing; passivation of stainless steel; hydrostatic and pneumatic testing; design, build and finishing of skids; installation of piping; and non-destructive examination and heat treating, as well as offers after-market service parts. Further, the company produces and sells modular buildings that are used for animal containment and research laboratories. Art?s-Way Manufacturing Co., Inc. sells its products through independent farm equipment dealers primarily under the Art?s-Way, Miller Pro, and Badger brand names. The company was founded in 1956 and is based in Armstrong, Iowa.
Advisors' Opinion:- [By Monica Gerson]
Art's-Way Manufacturing Co (NASDAQ: ARTW) is estimated to post its quarterly earnings.
Packaging Corporation of America (NYSE: PKG) is projected to post its Q3 earnings at $0.89 per share on revenue of $831.79 million.
Top 5 Sliver Stocks To Invest In Right Now: Greatbatch Inc. (GB)
Greatbatch, Inc. provides technology solutions for medical and industrial applications. The company operates in two segments, Greatbatch Medical and Electrochem Solutions. The Greatbatch Medical segment designs and manufactures systems, components, and devices for the cardiac rhythm management, neuromodulation, vascular access, and orthopaedic markets. Its products include batteries, capacitors, filtered and unfiltered feedthroughs, engineered components, and enclosures used in implantable medical devices; instruments and delivery systems used in hip and knee replacement, and trauma and spine surgeries, as well as in hip, knee, and shoulder implants; and introducers, catheters, steerable sheaths, and implantable stimulation leads. This segment also offers value-added assembly and design engineering services for medical systems and devices. It serves primarily multi-national original equipment manufacturers. The Electrochem Solutions segment provides technology solutions fo r critical industrial applications, including customized battery power and wireless sensing systems. This segment?s products comprise cells, primary and rechargeable battery packs, and wireless sensors. It serves companies involved in energy, security, portable medical, and environmental monitoring markets. This segment sells its products directly to end users and original equipment manufactures. Greatbatch, Inc. sells its products primarily in the United States, Puerto Rico, the United Kingdom, Ireland, France, and Belgium. The company was founded in 1970 and is based in Clarence, New York.
Advisors' Opinion:- [By Seth Jayson]
Calling all cash flows
When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on Greatbatch (NYSE: GB ) , whose recent revenue and earnings are plotted below. - [By mitu77]
Various chip manufacturers are now focused on their flash drive storage portfolio to leverage their top and bottom lines. EMC (EMC) is one such company that is a market leader in storage solution providers with global foot prints. Not just the storage, but EMC also provides various solutions like security, big data and hybrid cloud solution. The company�� emerging business is its storage business with high end solutions and performance. The size of data has been exponentially growing and this growth has enabled companies like EMC to flourish. IDC ( Market research company) and EMC had jointly estimated global data size to be around 2,837 Exabytes (EB) in 2012, and it is estimated to reach 40,000 EB by 2020. As the digital world continues to expand it is further anticipated that by 2020, average storage requirement would be around 5200 Gigabytes (GB) per person. 1 Exabytes (EB) = 1000 Petabytes (PB) = 1 million Terabytes (TB) =1 billion Gigabytes (GB)
Top 5 Sliver Stocks To Invest In Right Now: Ituran Location and Control Ltd (ITRN)
Ituran Location and Control Ltd. (Ituran), incorporated in February 1994, is engaged in the provision of location-based services and machine-to-machine wireless communications products for use in stolen vehicle recovery, fleet management and other applications. The Company operates in two segments: location-based services and wireless communication products. During the year ended December 31, 2012, 76.2% of its revenues were attributable to its location-based services. As of December 31, 2012, Ituran provided its services in Israel, Brazil, Argentina and the United States to approximately 276,000, 238,000, 131,000 and 22,000 subscribers, respectively. In 2012, 23.8% of its revenues were attributable to the sale of its wireless communications products.
Location-Based Services
The Company�� stolen vehicle recovery and tracking services, which it refer to as SVR services, enable it to locate, track and recover stolen vehicles for its subscribers. The Company�� customers include both individual vehicle owners who subscribe to its services directly and insurance companies that either require their customers to install a security system or offer their customers financial incentives to subscribe to SVR services, such as its. In certain countries, insurance companies directly subscribe to its SVR services and purchase automatic vehicle location (AVL) products supporting these SVR services from us on behalf of their customers. The Company�� fleet management services enable corporate customers to track and manage their vehicle. It markets and sells its services to a range of vehicle fleet operators in different geographic locations and industries. As of December 31, 2012, the Company provided its services to approximately 81,000 end-users through 21,000 corporate customers in Israel, Brazil, Argentina and the United States.
Personal locator services, which it offers allow customers to protect merchandise and equipment. In addition, through a call center it provides ! 24-hour round the clock on-demand navigation guidance, information and assistance to its customers. As of December 31, 2012, the Company provided personal locator services in Israel, Brazil and Argentina and, as of December 31, 2012, it had approximately 7,500 subscribers to this service. The Company�� call center services include the provision of traffic reports, help with directions and information on the location gas stations, car repair shops, post offices, hospitals and other facilities. The Company provides its concierge services to its subscribers in Israel, Argentina and Brazil. As of December 31, 2012, it had approximately 128,000 subscribers to its concierge service
Wireless Communications Products
The Company�� wireless communications products employ short- and medium-range communication between two-way wireless modems and are used for various applications, including AVL. Its AVL products enable the location and tracking of vehicles, as well as assets and persons, and are used by it primarily to provide SVR and fleet management services to its customers. Each subscriber to its SVR services has its AVL end-unit installed in his or her vehicle. Subscribers to services for locating equipment and merchandise will use its SMART products. The Company�� wireless communications products for AVL applications include: Base Site, Control Center, global positioning systems/ beneral packet radio service (GPS/GPRS)-based products and SMART. Base Site is a radio receiver, which includes a processor and a data computation unit to collect and send data to and from transponders and send that data to control centers as part of the terrestrial infrastructure of the location system. Control Center is a center, which consists of software used to collect data from various base sites, conduct location calculations and transmit location data to various customers and law enforcement agencies.
Global positioning systems/ beneral packet radio service (GPS/GPRS)-based products! include ! navigation and tracking devices installed in vehicles. SMART is a portable transmitter installed in vehicles (including motorcycles) that sends a signal to the base site, enabling the location of vehicles, equipment or an individual. The Company maintains 103 base stations in Israel. The provides radio frequency (RF) based products and services only in the metropolitan areas of Sao Paulo, Campinas, Americans and Rio de Janeiro, in Brazil. It operates throughout Brazil in providing GPS/GPRS based products and services. The Company operates only in the metropolitan area of Buenos Aires with the RF technology, in Argentina. The Company operates throughout Argentina in providing GPS/GPRS based products and services for fleet management. It provides GPS/GPRS products and services throughout the United States.
The Company competes with Eden Telecom Ltd. (Pointer), Skylock Ltd, LoJack Corporation, Car System, Megatrans, Pointer Localizacion y Asistencia S.A, OnStar Corporation, Sky Link Corporation, Spireon, Air Cept Corporation, SysLocate, GoldStar, PassTime, Guide Point, Sky Patrol, Sky Guard, I-Metrik, GPS Insight, Trimble, Network Fleet, Street Eagle, FleetMatics , Navtrack, Teletrac, Trim Track, FleetBoss, Sascar, Omnilink and Hawk Corporation.
Advisors' Opinion:- [By Matthew Indyke and Brian Zen]
Four of Klarman�� stocks include PDLBioPharma (PDLI), Ituran Location and Control (ITRN), BP (BP), and Microsoft (MSFT). What these companies have in common are annually increasing total revenues, annually increasing cash flows, and gradually decreasing operating expenses and debt. Additionally, they show a clear value focus with P/E ratios no greater than 15. And even when stocks like these go through a troubling period brought on by a sagging economy or major scandal, they have an ability to bounce back.
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