Remember to share:
Share

January was a strong month for stocks. The Dow Industrials and the S&P 500 had their best January since the1990’s.  However, the indices have turned lower to end the month.  Investors appear to have stopped buying dips and have turned a bit more cautious. Investor optimism remains high, a contrary indicator.    Intra-day volatility has picked up. It looks like the days of half of one percent intraday ranges on the market indices now are a distant memory. I anticipate the daily trading ranges over the next several months to widen.

A short-term correction looms in the future.  There has been some short-term weakness in the tape, along with a loss of momentum in some technical indicators.  It was somewhat disturbing there were readings this week that showed a clear deterioration in the new 52-week highs and also an expansion of the new 52-week lows on the New York Stock Exchange Index.

On the contrary, a sign for the rally to resume would be for the opposite to take place: the new highs to expand and the new lows to contract to below 50.  The intermediate and long-term price trends on the major averages remain favorable.  Our U.S. equity timing model remains on its October 31st buy, a condition where historically risk has been below average and returns above average.

It’s too early to say the rally has come to an end.

Keep a Close Eye on the Russell 2000 (IWM)

What ETF to watch now for signs of a correction in the near term?  Answer: The Russell 2000

Figure: The iShares Russell 2000 Index (IWM) Weekly Price Channel, Upside Objective Channel, and 19-26-9 Week MACD

The iShares Russell 2000 Index ETF (IWM) is made up of companies with a market capitalization of between $300 million and $2 billion. The Russell 2000 (IWM) portfolio top sector holdings as of 01/30/18, is Financials 17.71%, Information Technology 16.77%, Health Care 16.16%, Industrials 15.22% and Consumer Discretionary 12.43%.  The top sectors in the IWM all started the year strong.

The top portion of the chart shows the weekly IWM made a new record high of 160.62 on 1/24/18.  The IWM has been in an uptrend (green line) since February 2016, with only one violation that lasted for three weeks in August 2017 (pink circle).  The IWM appears to have stalled, before completing its latest upper channel objective at 164.00 (purple circle), unlike the S&P 500 and the Nasdaq, which made higher objectives, not a good sign.  The IWM has been weaker than the other indices as of late.

Over the next several days, watch if the IWM stays above 151.00 keeping the uptrend intact. As of this writing the IWM is 156.69. In addition, if the IWM lags the S&P 500 (SPY), this would be another sign implying further weakness for the IWM that could potentially spill over to other sectors of the market in the near term.  On the other hand, it would be bullish if the Russell 2000 (IWM) index were to stop falling and take out the IWM high at 160.62, and penetrate 164.00 giving higher objectives.

The lower portion of the chart is MACD, a technical indicator that measures momentum. MACD peaked in January 2017, (left purple circle) confirming the price high.  The IWM stayed in a trading range as MACD moved lower until September when MACD turned up.  The rise in MACD has slowed since the initial thrust.  MACD has turned down, (right purple circle) forming a potential negative divergence from last January.  More strength in the IWM is needed in the near term for MACD to make a new momentum high.

Figure: The iShares Russell 2000 Index (IWM) Daily Price Channel, and 12-26-9 Week MACD

The top portion of the chart shows the Daily iShares Russell 2000 Index ETF (IWM).

The IWM has been in a daily uptrend since August 2017.   The short-term trend is in jeopardy to turn negative if the present decline continues. A close below 155.00 for two days will shift the daily trend from up to down suggesting caution near term.

In the lower portion of the chart MACD has given a fresh sell signal showing momentum is clearly weakening.  If the IWM continues to fall, the uptrend will also be broken, suggesting more selling is possible sooner rather than later.

Summing Up:

January has been a stellar month for the market.  In the past few trading sessions volatility has picked up and the tape action has become more unfavorable. Short and intermediate trend lines are intact for now.  However, further weakness would break the uptrends suggesting a short-term correction is possible.  I am watching very carefully the action in the Russell 2000 as it is one of the few indices that didn’t reach its upper channel objective and now has started to turn down.  Hold off on buying into the dip to see if the IWM remains above 155.00 on this pull back which would break the daily uptrend. A break below 151.00 on the IWM would violate the intermediate trend.   For now, continue to give the benefit of the doubt to the bulls. However, if the uptrends are violated more caution is recommended.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

Sign up for a FREE 3 issue trial of
SYSTEMS AND FORECASTS
 Click HERE
                                                                                       

******Article published by Bonnie Gortler in Systems and Forecasts February 1, 2018

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

 

Remember to share:
Share

Many have made wealth building one of their resolutions for the New Year, and for good reason, the stock market is in the midst of one of the best starts in history. There is certainly much excitement surrounding the stock market right now, and if you are invested you are probably also feeling good that you are making money due to the market moving to the upside. As any experienced investor knows, times like these can change quickly. Tell me, will you be ready if and when the market begins to fall or when the market feels like a roller coaster ride begins again? It may begin later than sooner but you’d be wise to start right now in planning with a watchful eye so you are prepared to take action when the ride becomes bumpy.

To be ahead of any change in the market you want to keep a level head. When challenging times arrive it’s important to your success to learn how to manage your emotions within the ebb and flow of investing. It’s only natural to become excited about the current state of the market but a wise investor knows that wealth and well-being go together. If you adopt this mindset throughout your wealth journey you will be more than ready for any adversity when challenging times occur. Staying calm with a spirit of balance can help you overcome any situation because you are approaching the ups and downs calmly and with a positive attitude instead of the feeling of anxiousness or overwhelmed by circumstances you have no control over. Keeping your emotional self together in a calm manner can make all the difference when seeking to make intelligent investment decisions.

Wouldn’t you like to feel great and to live a life without fear and anxiety? Emotions range from one end of the spectrum to the other and it’s quite easy to get lost in them if you aren’t aware of how yours impact your life. New Year’s resolutions are wonderful but taking care of mental and emotional health is important every day of the year. Building your wealth will require a systematic approach. What I’ve done within my own journey is to add a simple checklist in different areas of my life to help raise my awareness for what changes I need to make so that I continue improving when those anxious moments creep in. I’ve found just in the past few weeks that these moments have become shorter and shorter and the list has actually helped me increase my life balance and inner peace faster.

There are other steps you can take that will help you in gaining more inner peace you are seeking. You can also feel better by including daily rituals into your life. I have daily rituals I follow, such as journaling, working out, and listening to music.  So, how do you start?  Picture your ideal self, and then break down the steps needed to get from where you are now to that ideal person you picture. You want to stay realistic and create a plan that will help push through each step and through days of overwhelm without stress. Don’t make things more complicated than they need to be or you may find yourself not sticking with your plan. You want to approach each of your goals in a manner that will empower you.

When it comes to your wealth journey, you will want to view your finances in a way that doesn’t cause stress or anxiety and will allow you to map out a plan that works with your vision not against it. If you approach your plan in this manner you will place yourself in a position of strength and become able to make difficult decisions easier; which, in turn, will increase your ability to handle any change within the investment climate in a calm strategic manner thus moving even closer to your investment goals. This ideal may seem out of reach at times but stick with it. A well thought out investment plan along with good investment habits and a strong money mindset will be the tools you need in order to meet challenges without stress, frustration, and overwhelm. The feeling of more inner peace will be well worth all of your effort.

Nothing is beyond your reach when learning to shift your money mindset. First, learn to focus on what makes you feel good and help keep your spirits up for doing so will keep you from feeling uncomfortable or confused. When you are relaxed and confident you are in the flow and can’t help but feel good especially when you remember that you can accomplish anything you set your mind to.

I thought it would be good to share some of my thoughts and a few investment tips on how to handle a stormy stock market environment when large up and down swings so you can keep avoiding that feeling of being out of balance.

A great place to start is to become informed about your investments. Where do you get your financial updates? Are you confident that your current investment strategy will do well when the stock market is not rising?  By reviewing your portfolio now, you can be more comfortable with your investment holdings and avoid unnecessary stress. Now is not the time to walk away and hide. Now is the time to take a sincere interest in what is happening so you can make informed decisions about what needs to change.

If you oversee your own investments then you want to have an investment strategy in place that will meet your needs over time. Begin with a diversified portfolio that suits your needs within a time frame that will help you meet your goals and objectives.

A good investment strategy also starts with a clearly defined objective. Your strategy needs to be flexible and allows you the ability to exit quickly in order to reduce your exposure if the stock market starts to fall.  Lock in some of your profits. You never go broke taking a profit.

You also could seek the personalized advice of an investment professional to answer your specific questions one-on-one.  What is the review process that you have in place for your investment portfolio?  Do you have a strategy to manage risk? You can review your portfolio or have a professional do this for you.  Simple changes in your current portfolio can help you cut your risk and increase the potential return.

Below are some investment tips to start you on the right path for building wealth.

11 Simple Investment Tips To Increase Your Investment Success

  1. Be willing to invest in you for your well-being and inner peace. Work on you as part of your everyday life and reap the benefits.
  2. Track your investments to see how they are performing on your phone or the internet. One of my favorite free resources is Yahoo (yahoo.com). If you have an iPhone download the application “Stocks”. You can follow the market activity easily, your favorite ETFs, stocks and mutual funds to see how much they are rising or falling.
  3. Diversify your investments that include a broad mix of stocks and bonds. As you grow older it’s a good idea to move your assets into less-risky investments. A quick rule of thumb is to have an allocation to bonds that is equal to your age.
  4. Don’t let one investment make or break your investment account. Something you didn’t expect could occur at any time.
  5. Make your investment decisions with the current trend of the market. Your risk is larger when you go against the trend. If you do, don’t marry your investment. Get in and get out quickly.
  6. Have a flexible portfolio that is liquid. Keep your entire portfolio in mind when making changes in your investment portfolio.
  7. Manage Your Risk. Know in advance how much risk that you are willing to take.
  8. Have a plan to protect your winning investments. With a simple exit strategy of raising your exit point as your stock moves higher, you will let your profits run.
  9. Avoid big losses to achieve consistent gains.  Cut your losses quickly so they don’t get out of control. Make it a priority to protect your investments before they move too far against you.
  10. Don’t get into the mentality of not wanting to take a loss. It takes 100% profit to cover a 50% loss.
  11. Review your investment portfolio to see if any individual stock, an exchange-traded fund (ETF), or bond position exceeds 5% of your overall portfolio. If it’s not performing, or it’s too volatile consider reducing at least part of your investment.

Start using just a few of these tips now, and see how your perception about money starts to change. Make it a practice to spend some time watching your money so that you will be prepared for changes that occur and you are ready for potential decisions that may arise so you are able to make those informed decisions with a calm spirit. Even small changes in your portfolio can have a positive impact. When you take care of your inner well-being your ability to handle the ups and downs of the market will become easier over time. Changes don’t have to be all at once and can easily be broken down into even smaller tasks over time. If you find that you are still feeling a bit unsure of your path to wealth, remember you can step away and get some help to guide you through the process. Stop hiding or avoiding talking about money. You don’t have to feel stressed or overwhelmed by it, you truly can build your wealth with confidence and inner peace.  Decide today that NOW is the time to feel good about money. I’m here to help you on your journey to wealth.

If you like this article you will love my free ebook Grow Your Wealth and Well-Being.

 

 

 

 

Remember to share:
Share

When was the last time your investment advisor or you hae reviewed your portfolio?  Have you noticed the wider intraday fluctuations in the major averages?  The quiet days of the major averages moving less than ½ of a percent appear to be over.  There are wider swings in the movement of stocks and the market averages each day.  Volatility in the U.S. and international markets has started to pick up.

The good news is our stock market models indicate a positive market climate. Also favorable seasonality remains supporting the stock market, along with the intermediate and long-term trend being up.  However, a bumpier ride may be in store for the next several weeks.

A shift out of technology appears underway. 

Technology stocks have been much more volatile as of late. The selling pressure started before the news that the Senate would approve the tax bill, and further intermittent selling has continued since the bill passed.  Investors have recently rotated into telecommunications stocks, consumer discretionary, staples, financials, and industrials after the approval of the tax bill.  The shift out of technology may be only temporary, but I believe risk has increased substantially in the technology sector since the beginning of the year.

I recommend reducing your technology exposure if you are heavily invested.  The Nasdaq relative strength is now weaker than the S&P 500 and is losing momentum. This could be a warning of a possible short-term pullback in technology that could carry through to the overall market.  In addition this could affect other sectors that are also extended in the near term.   It’s a good idea to keep an eye on the top holdings in the Nasdaq 100 (QQQ), to confirm the shift away from the technology sector. It’s a little early to tell if it’s profit-taking or the start of a larger move lower.

 

 

 Figure: PowerShares QQQ ETF (Nasdaq 100 Index) Weekly Price and Trend Channels (Top), and MACD 12-26-9 (Bottom)

The top part of the chart shows the daily Power Shares 100 (QQQ), an exchange-traded fund based on the Nasdaq 100 Index, and its operative trend channel (purple line). The QQQ includes 100 of the largest domestic and international nonfinancial companies listed on the Nasdaq.  As of 12/5/17, Apple, (AAPL) is the largest holding comprising 12.19%, Microsoft Corp (MSFT) 8.75%, Amazon.com, Inc. (AMZN) 7.63%, Facebook, Inc. Class A (FB) 5.70%, Alphabet Inc. Class C (GOOG) 4.86%, and Alphabet Inc. Class A (GOOGL), 4.23 % totaling 43.36%.

The technology sector has been one of the strongest areas of the stock market this year. The QQQ has made new highs with only a few small pullbacks along the way. The declines were sharp, but never broke the uptrend and were able to recover to new highs.  This time could be different. If investors continue to rotate out of technology, the selling pressure will be magnified and money may flow into other sectors of the market.  If this indeed is the case, a sign would be if the QQQ weakens during the late afternoon trading hours especially in the last hour of trading.

The intermediate price trend remains up as long as the QQQ is above its uptrend line (orange).

Support is at 147.00 and the upside channel objective is at 164.00.  If the QQQ falls below support at 147.00 on a weekly close, the intermediate trend would change from up to down, implying weakness potentially to the middle channel at 140.00 followed by the lower channel at 117.00.

The bottom half of the chart is MACD (12, 26, 9), a measure of momentum. In June, MACD made a high.  The difference between now and June is MACD not confirming the price high made in QQQ.  The negative divergence is spread over 26 weeks.  Time is no longer on the side of the bulls.

On the other hand, MACD has not yet generated a sell, so it’s still possible for MACD to turn up and move higher to confirm the QQQ high.  I am recommending lightening up on technology stocks now.  If you are overly invested in technology stocks, lock in some of your profits before a decline occurs.  An old adage I have learned over my 35+ years “You Never Go Broke Taking a Profit”.   If you do decide to wait, I recommend keeping an eye on the top holdings in the QQQ.  If they start weakening again, have a plan ready in case further selling pressure occurs.

Figure: Daily Price of Microsoft (MSFT), Amazon (AMZN), Facebook, (FB) Apple (AAPL), and 12-26-9 MACD

In the past few trading sessions, technology stocks have been under some selling pressure. Uptrends are in effect for Microsoft (MSFT), and Apple (AAPL).  Since November daily MACD patterns on all of these stocks are weakening, a warning sign a decline may be imminent.  MACD is not yet oversold, below 0, or in a favorable position to support an extended rise.  MACD uptrends (purple lines) have been broken in Microsoft (MSFT), Apple (AAPL) and Facebook, (FB).  Only the MACD uptrend in Amazon (AMZN) remains in effect.

If the top holdings in the QQQ continue to weaken, further gains for the overall market could be jeopardized in the short-term.  For aggressive investors and traders, here are some key levels of guidance.

Microsoft (MSFT) filled its gap from October and has risen the past two days.  Further decline would not be a good sign.  Support is at 77.00 followed by 72.00.  Resistance is at 88.00.

Facebook (FB), has the most disturbing pattern of the group.    FB broke its daily price uptrend this past week.  What is different now?  The weekly uptrend (not shown) has also been violated.  Therefore, the short and intermediate term is now down.  In addition, MACD is now on a sell with a negative divergence in place.  The risk is higher than at any time this year based on the charts.  During the recent quiet market environment where pullbacks have been contained, investors have been profitable buying quickly into weakness. Now selling strength could be a better strategy.   Resistance is 179.50 followed by 184.00.  Support is at 165.00, followed by 161.00.

Amazon (AMZN) peaked in late November, also under some selling pressure, but its chart pattern is more constructive because it remains above its breakout level in October. Resistance is the old highs at 1003.00 followed by 1029.00.   Support is at 1108.00 followed by 1012.00.

Apple (AAPL) made a new all-time high on November 8 at 176.24.  Apple (AAPL has pulled back in a quiet decline but remains in an uptrend. Support is at 163.00.  Resistance is at 175.50.   Many times Apple is a leader in the technology sector.  A break through resistance would imply potential to 185.00. If this were to occur it could boost the entire sector.

Summing Up:

The market as a whole has been extremely resilient. The daily range of the major averages has widened, suggesting volatility could pick up, with an increase in risk compared to earlier in the year. Weakening momentum patterns are clear and spread over time which normally doesn’t work out well.  However, 2017 is not an ordinary market; it’s one that is defying the odds. The short-term and intermediate-trend remain up for now.   If you are overly invested in technology stocks, I recommend you lock in some of your profits before a full-fledged decline occurs. If the QQQ falls below support at 147.00 on a weekly close, the intermediate trend would change from up to down, implying weakness sooner rather than later.

I would like to wish you and your family a happy holiday season full of joy, health, and prosperity.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

Sign up for a FREE 3 issue trial of Click Here: The Systems & Forecasts Newsletter

*******Article published by Bonnie Gortler in Systems and Forecasts December 07, 2017

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

Remember to share:
Share

Renewed talk of U.S. tax reform and the good start to earning seasons have pushed the Dow Jones Industrial Average to a new record high on October 24.  However, the Nasdaq, S&P 500, and Russell 2000 were unable to do the same. The market has been in a steady uptrend since late August.  As the rally continues higher, so does investor optimism.  Short term price uptrends and support levels remain intact for the major averages.

Our equity timing model will shift from hold to bullish on November 1. Also unfavorable seasonality is out and favorable seasonality is in.

What to expect now?  The bulls to remain in control:

  • The daily tape action suggests there are no signs of a market top.
  • Overseas markets are in uptrends supporting the U.S. Market.
  • Although the Nasdaq is no longer leading in relative strength compared to the S&P 500, the top holdings Apple (APPL), Microsoft (MSFT), Amazon (AMZN), Alphabet Inc. Class A (GOOGL), and Facebook all remain above support. These stocks have quickly rebounded after a pullback.
  • High Yield Bonds are at or near their highs.
  • Volatility remains low.
  • Market breadth indicators are positive. The advance/decline line has made new highs.
  • The Russell 2000 (IWM) has been in a very narrow range since the highs made on October 4, not giving up much ground while digesting its gains after breaking out of its weekly channel.

Higher Intermediate Term Upside Objectives Remain For the S&P 500 (SPY)

Figure: S&P 500 SPDR ETF Weekly Price Channel (SPY, top) and 12-26-9 MACD (bottom)

The chart above is the weekly SPDR S&P 500 (SPY) ETF that is comprised of 500 stocks of the largest companies in the U.S. When you invest in the S&P 500 (SPY), you will get a broad representation of the overall large-cap U.S. stock market.

As of 10/25/17 its top 5 holdings in the S&P 500 were Apple Inc. (AAPL) 3.67%, Microsoft Corporation (MSFT) 2.74%, Facebook (FB) 1.84%, Amazon (AMZN) 1.76%, and Johnson & Johnson (JNJ) 1.72% totaling   11.73%.  The top part of the chart is the SPDR S&P 500 (SPY) ETF and its active weekly (intermediate) trading channel. The SPY continues its slow and steady rise this year. The SPY remains clearly in an uptrend that began in February 2016 (green line).  Declines have been minor and brief. Until this trendline is broken, no serious threat of a major decline should occur.

The upside channel objective is 276.00 (orange line).  In the unlikely event the SPY falls below 245.00, the area where the SPY broke out of its range, this would turn the intermediate trend negative and imply potential weakness towards the middle channel at 210.00

The bottom half of the chart shows the Relative Strength Index, a measure of momentum developed by Welles Wilder. RSI is based on the ratio of upward price changes to downward price changes. RSI peaked at 76.04 confirmed the SPY price high.  RSI readings of 70 or higher show strength and are most times considered bullish, not a sign of a top. Generally, as long as RSI stays above 40, the trend is up.  The bullish uptrend in RSI from 1/16/16 remains intact.

On the other hand, RSI has lost some momentum.  It’s normal for momentum to weaken (red circle) after a large rally. Short-term weakness is perfectly normal after a large run-up in prices.  We should expect to see either a minor pullback or sideways consolidation before another rally attempt can occur.  If the SPY penetrates 258.00, just above the recent highs, the buyers will step in.

 In Sum

As long as the S&P 500 (SPY) uptrend remains in effect, SPY should work its way higher toward the upper weekly channel at 276.00.  If the downtrend is broken (green lines) on either price or RSI a warning sign would be given and caution would be recommended.  With our trading model likely to change from hold to the most bullish condition on November 1, and November and December historically a very favorable time for investment gains in equities, I recommend buying dips in the S&P 500 (SPY) as long as the SPY remains above 245.00.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

Sign up for a FREE 3 issue trial of Click Here: The Systems & Forecasts Newsletter

*******Article published by Bonnie Gortler in Systems and Forecasts October  26, 2017

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

Remember to share:
Share

For most people, holding down a job and earning a paycheck is their main strategy for achieving financial security. This alone will not get you where you want to go. Isn’t it time for you to create the lifestyle you want and deserve? What actions are you taking to help you grow your wealth? Do you have a system in place to move you closer to your goals? The answers may not be clear. However, in order to live the lifestyle, you’ve dreamed about, you will need to have a plan to turn your income into wealth. The type of wealth that keeps building if you find yourself out of a job or physically unable to work. The type of wealth is what turns dreams into reality.

Wouldn’t it be great if you were able to stop beating yourself up over those past experiences that have held you back from achieving your financial goals or kept you from doing more of what you love to do each day? Guilt and regret are powerful emotions which can hamper your ability to make the powerful decisions needed in order to create the life you’ve dreamed of.

. Changes with less stress and strain because they are made over time and do not have to happen all at once.

 Whether you’re under 20, in your mid 40’s, or over 65, it’s possible to make life changes for the better that involve money. You ideally can start today with small adjustments that will make a big difference for your future. Changes so you will ultimately enjoy getting out of bed so you can do what you love to do and then finish the day sleeping peacefully instead of worried about your finances.

How can you make this happen? Well, I’m glad you asked…

The first step is to decide NOW (not tomorrow, next week, or next year) your financial security is a priority.  The next step is changing your mindset from seeing yourself only working for your money and shifting to the understanding it’s important now your money will need to work for you. How? This will be done by investing in the stock market. 

It may have crossed your mind and you now wonder if you’d be taking a chance with your hard earned money by investing in the stock market. Keep in mind that although stocks are riskier than keeping money in a savings account or Certificate of Deposit (CD’s) with a fixed yield, they have historically had higher returns that beat inflation helping you grow your wealth. That’s great news for you because it opens the door of opportunity for you to generate an additional source of income. Again, your money will be working for you.

It’s also important to note that I’m not suggesting you should jump all in. The idea is to start slow and small. I want you to be successful with your finances but I also want you to understand this shift in thinking requires you to take steps that may take you out of your comfort zone. This is why it’s important to make small adjustments because as you grow with your knowledge and experience you will find those decisions will ultimately pay off with feelings of ease and satisfaction.

One of the best strategies I’ve seen through my years of experience is to begin your financial plan with long and short term goal oriented action steps that are fun, simple, and practical for you. Simply put, these goals fit you and your life. You are not at a loss with this type of approach because as your skills improve, your comfort level and confidence will develop and continue to grow as well. Making adjustments as needed will also help your success. Start using a few of these tips now, and see how they will support you to grow your wealth. Please feel free to share your experiences.

9 Practical Financial Rituals for Growing Your Wealth

  1. Diversify your investments into a broad mix of stocks and bonds. Don’t put all 100 percent of your money in stocks. Use mutual funds which lets you own a mix of stocks or bonds in a portfolio to manage your risk. Investing in mutual funds that diversify with a group of stocks or bonds is much safer than putting all your money into one or two stocks or bonds.
  2. Review your investment asset allocation periodically. Start saving and investing as early as you can. Create a plan you will follow. Small sums of money add up over time.
  3. As you grow older it’s a good idea to move your assets into less-risky investments. A quick rule of thumb is to have an allocation to bonds that is equal to your age. When the market climate is positive, you could increase your allocation to have a little more equity, however, have an exit strategy for when the trend changes.
  4. Track your investments costs. High trading costs eat into your gains over time.
  5. Keep control of your emotions when investing. The stock market can go up and down very quickly.  Know your time horizon for investing whether it’s for 1 year or less, 5, 10, or 20 years or more.
  6. Don’t have more money invested than you are comfortable with. Its ok to reduce your invested position in small increments. If you are worried and not sleeping at night, you are too invested. Manage your risk. Avoid taking large losses on your investments. Remember small losses are the best losses you can have.
  7. Don’t be afraid to talk about our finances. Don’t hide from the conversation. If you are feeling a bit unsure, look for some help from a coach, investment adviser, or a financial planner who could help you create changes to support you on your journey to wealth.
  8. Take advantage to contribute into a retirement savings plan if offered by your employer. Start with a few percent of your income and then increase the contribution to 10%.
  9. If you need to withdraw money to live on because you are not working, see if you can limit yourself to withdrawing 4 percent or less a year. In this way, you will preserve your capital for later years in life so you don’t run out of money. 

Financial security is important. Take responsibility for your money by developing practical financial rituals that will create a lifestyle you want and deserve. Your plan doesn’t have to be hard or disruptive to your everyday life. Start your plan now and fulfill your hopes, dreams, and goals growing your wealth.

 

Remember to share:
Share

New record highs in price on the major averages such as the S&P 500 Index, Nasdaq Composite Index and Russell 2000 occurred in late July. The Dow Jones Industrial Average (DJIA) penetrated another round number, the 22,000 level. However, what is disturbing are technical indicators measuring momentum, such as MACD didn’t surpass its momentum highs from June. Fear has been on the rise as the CBOE Volatility Index (VIX), the stock market’s fear measure, spiked on the recent short term decline in August after many days of low volatility.

Our models remain overall neutral-positive, suggesting further gains are expected with downside risk remaining modest. Investors remain focused on many items including economic data for a possible December rate hike, a potential decrease in taxes, new health reform, and world events.  Some investors remain on the sidelines waiting for more clarity, or on vacation taking some time off like me.  The market was very quiet for over two weeks while I was gone and then last week, the tone of the market seemed to have changed.  The market no longer was in a consolidation pattern. The S&P 500 index fell 1.4%, its worst week since March, while the Nasdaq lost 1.5%.  The leader of the decline was small-cap stocks.  The Russell 2000 index (IWM) fell last week 2.7%, its biggest one week decline since February 2016.  It’s not a healthy sign when small caps are weaker than the overall market.

Watch the Movement Now of Small Caps Closely- iShares Russell 2000 ETF (IWM) Weekly Price (Top), and 12-26-9 Week MACD (Bottom)

The top portion of the chart shows the weekly iShares Russell 2000 Index ETF (IWM) which is made up of companies with a market capitalization of between $300 million and $2 billion. The IWM made a high of 138.82 on 12/08/16 stopping at its upper channel.  The IWM went sideways for about 8 weeks, not giving up much ground.  The pattern of slightly higher highs continued followed by small pullbacks (purple circles).  None of the pullbacks that occurred penetrated the uptrend that was in effect.  This latest peak in July (red circle) failed again to penetrate the channel, and the uptrend is in jeopardy of being broken.

The lower portion of the chart is MACD, a technical indicator that measures momentum. MACD has an ugly looking pattern. Initially, MACD confirmed the price high in December 2016. On the following advances to new highs, MACD failed to confirm. Now momentum is clearly weakening and the formation is spread over 29 weeks. Usually, a divergence spread over time is a sign that the price may be reversing. Weakness in the Russell 2000 (IWM) below the low made on 08/07/17 at 135.77, would suggest last week’s decline may continue. If violated on a closing basis expect the IWM to fall to the next support level at 132.40 the 03/27/17 low and potentially to the weekly channel objective at 124.00.


Summing Up:

The market remains very resilient in 2017 with major averages continuing to make new all-time highs. Small caps have been unable to break out through its upper channel and on the latest decline, they led the market lower, not a healthy sign for the market. Pullbacks have been rare this year, turning into buying opportunities. With the IWM intermediate momentum pattern clearly weakening, forming a negative divergence spread over 29 weeks, now is not the time to take on additional risk in small caps bottom fishing on any pullback.

 

*******Article published by Bonnie Gortler in Systems and Forecasts August 17, 2017

 

 

 

If you like this article, then you will love this!

Free Instant Access to Grow
Your Wealth and Well-Being E-Book HERE

 

 


 

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

Remember to share:
Share

The Dow, S&P 500, and Nasdaq have completed one of the best January through June periods since 2009. The Nasdaq Composite was the strongest of the three averages.  However, during the last few weeks, technology was under more selling pressure than the other major averages. Intermittent rallies have been suspect.

Up until now, most price uptrends remain intact as declines have been contained.  When a decline has occurred, buyers have stepped in to stabilize the market. Key support levels have held. In the past, when the first half of the year was positive, the odds favored further gains for the remainder of the year. However, this may not be the case this year.  The second half of this year could be a bumpier ride, along with increased volatility and sector rotation.

Other sectors in addition to the Nasdaq have clear negative momentum patterns for the short, intermediate, and long term.  Clear negative divergences are showing up in MACD.  So far price trends remain up on most the major averages. However if more uptrends are broken, a more serious decline could begin. I am recommending review your portfolio, have an exit strategy ready to put into action in case further short term selling continues.  Caution is warranted until the tape action improves.

 

Intermediate-term charts suggest caution: Momentum is undoubtedly weakening.

SPDR S&P 500 (SPY) Weekly ETF (Top) and 12-26-29 MACD (Bottom)

The top portion of the chart is the weekly SPDR S&P 500 ETF (SPY) that is comprised of 500 stocks of the largest companies in the U.S.   The S&P 500 (SPY) has been in a weekly uptrend since 2016. The SPY stalled early in late February at 240.32, failing to reach the upside channel. The SPY then pulled back to 3.62% to 231.61 before proceeding to make another higher high on June 5, 2017.  Once again the SPY failed to reach the upper channel.  When the top of a trading channel is not reached on the second attempt, it’s normally not a good sign. A break below 234.50 on closing basis would break the uptrend.

More time is needed before another rally attempt or a decline begins. The encouraging sign is the uptrend remains in effect (black line) from January 2016. If the SPY turns higher and can get through the old highs, then a rally attempt towards the upper channel objective 256.00 would be possible.

The lower portion of the chart is the 12-26-9 MACD, a measure of momentum.  MACD confirmed the price high of the S&P 500 (SPY) in March, suggesting another rally attempt would occur. After a short pullback the SPY did indeed rally to make a new high. However, MACD was unable to confirm the high (red circles), and MACD has also broken its uptrend from January 2016 (black line).  This is a clear warning sign risk is increasing.

ETF Corner: Negative Divergences Have Formed on Weekly Charts

Weekly Price – Utilities SPDR (XLU), SPDR S&P MidCap 400 (MDY), iShares Russell 2000 Index (IWM), Consumer Staples Select Sector SPDR (XLP), (top of charts) and MACD 12-26-9  (bottom of charts).

 

Similar to the Nasdaq and the S&P 500 (SPY), prices have made a higher high (green circles) during the latest rally in the broad market. Notice the top chart of iShares Russell 2000 (IWM) and SPDR S&P Mid Cap 400 (MDY) above.  Price has also made a higher high in the following defensive sectors. See the top chart of the Utilities SPDR (XLU), and Consumer Staples Select Sector SPDR (XLP) above (green circles).

However, notice the weakening momentum patterns forming. MACD in all four ETF’s have failed to confirm their price highs (red circles).   A clear negative divergence has formed. Weekly MACD suggests further price gains could be limited and these sectors could continue to struggle as investors rotate into other areas of the market.

The Consumer Staples (XLP) and Utilities (XLU) weekly price uptrend have also been broken (black line).   The weekly/intermediate trend is now down, increasing the odds of a more serious decline.

The Russell 2000 (IWM) and S&P Mid Cap 400 (MDY) remain in price uptrends, positive for now.  However, I recommend watching carefully if they also break their intermediate price uptrend. If this happens, expect more selling pressure to occur on the overall market.  Key support on IWM is 137.00. A break below on a closing basis would mean potential trouble ahead.  New buying is not advised at this time.

The SPDR S&P 500 (SPY) Daily Price And Key Uptrend Line

The S&P 500 (SPY) has been in a very strong daily uptrend since December 2016 and has been up for 8 months in a row.  Yet, the SPY is now very close to breaking the daily uptrend. Key support is at 239.00. Any daily close below 239.00 for two days would suggest the decline could accelerate further.

MACD has worked off its overbought condition without the SPY giving up much ground. It will still take a few days of sideways action, or a decline in the SPY for the MACD to be oversold and move into favorable position to support a rally.

Summing Up:

Technology has been the leader of the major averages this year. However, during the last few weeks technology has been under more selling pressure than the other major averages. Now other sectors of the market such as SPY, XLU, XLP, IWM and MDY ETFs are also looking suspect, because of bearish negative divergences in MACD that have formed. The Consumer Staples (XLP) and Utilities (XLU) weekly price uptrends have been broken.  The Russell 2000 (IWM) and S&P Mid Cap 400 (MDY) remain in price uptrends, positive for now.  A break below key support at 137.00 on the Russell 2000 (IWM) on the close would mean trouble ahead.  In addition any daily close below 239.00 on the SPY for two days would suggest the decline could accelerate further.  New buying is not advised at this time.  Caution is recommended until the tape improves.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

*******Article published by Bonnie Gortler in Systems and Forecasts July 7, 2017

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results

If you like this article, then you will love this!

 

Free Instant Access to Grow
Your Wealth and Well-Being
E-Book HERE

 

 


 

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

 

 

Remember to share:
Share

The time of maximum pessimism is the best time to buy and the time of maximum
optimism is the best time to sell.
” ~John Templeton

New record closing highs seem to be a normal occurrence during 2017 as the Trump rally continues.  Equity markets have been going up on expectations of increased infrastructure spending, decreased regulation, and lower corporate taxes.  The advance has been broad, although some sectors have clearly been stronger than others.

Some major averages are near the top of their channels as some stocks have had hefty gains.  There are many favorable looking charting patterns, while others are in the process of the beginning stages of a parabolic advance.  This is a chart pattern in which prices rise (or fall) with an increasingly steep slope.   When the advance stops, a large decline follows that you want to avoid.

Our trading models remain neutral positive and the tape remains bullish.  The best kind of advance is the one where pullbacks are very minor and price continues higher, as investors wait for the decline which doesn’t happen.  This appears to be what is happening now.   The trend is your friend.  For now, enjoy the ride.

PowerShares QQQ ETF (Nasdaq 100 Index) Weekly Price and Trend Channels (Top), and MACD 12-26-9 (Bottom)

The top part of the chart shows the weekly Power Shares 100 (QQQ), an exchange-traded fund based on the Nasdaq 100 Index and its active trading channels.  The QQQ includes 100 of the largest domestic and international nonfinancial companies listed on the Nasdaq stock market based on market capitalization.

As of 02/13/17, Apple, (AAPL) is the largest holding comprising 11.83%, Microsoft Corp (MSFT) 8.25%, Amazon.com, Inc. (AMZN) 6.53%, Facebook, Inc. Class A (FB) 5.15%. Alphabet Inc. Class C (GOOG) 4.65% and Alphabet Inc. Class A (GOOGL) 4.09%, totaling 40.50%.   All the top holdings have rebounded this year after being out of favor before the election.   Apple (AAPL), its largest holding has had significant gains already this year, and has higher upside projections that will help the QQQ, and has favorable implications for the technology area over the next several months.

Revisiting the article in the Systems and Forecasts newsletter on 01/13/17 “Breakout in Technology Looms”, QQQ looked poised for a breakout.  This indeed did happen.  The QQQ is getting close to its 130.00 objective, closing at 129.40 on 02/15/17.

It looks like the QQQ could start another leg up, going through 130.00 to potentially reach 139.00 (orange line), the next target.  As long as the QQQ is above the up trendline line, the trend is up.    The trend line is important; it coincides with the break out at 123.00 that is now acting as support.  For another leg up to start, the QQQ needs to close above 130.00 for 2days and declines should be contained between 1-3%.  If the QQQ falls below the up trendline my bullish outlook will be negated.

The bottom half of the chart is MACD (12, 26, 9) a technical indicator that measures momentum.   MACD is overbought, however still rising, and gaining momentum which is positive.   MACD has confirmed the price high suggesting even if the QQQQ would decline another rally attempt would occur.

QQQ Performance Will Be Helped By Apple: Long Term Trend Is Up

AAPL Monthly Price and Up Trend Line (Top), and MACD 12-26-9 (Bottom)

** Apple’s stock underwent a 7-for-1 split, giving 6 additional shares to each shareholder on 06/09/2014.  The stock closed at 645 becoming 92.00/per share.

The top chart is a price chart that shows the high-low-close each month of Apple since 2005.  The Black line is the prevailing key uptrend line.  As long as Apple’s price is above the uptrend line, the trend is up and further profit potential on the long side is likely.   Apple was under selling pressure since its high in April 2015, when it was out of favor by investors.  In September 2016, Apple broke its down trend (orange line), and investors stepped in to buy.   After its quarterly earnings were announced on 01/31/17, Apple gained 11.7% (121.35-135.60 as of 02/15/17 intraday) and then soared ahead breaking its all-time intraday high of $134.54 set in April 2015 on February 14, 2016.

The bottom half of the chart is MACD (12-26-9), a technical indicator that measures momentum.  MACD is on a buy, and has a very favorable pattern turning up from an oversold condition below 0, where good buying opportunities develop.  This certainly has been the case for Apple.

In 2009 MACD was oversold, below 0, and generated a buy.  MACD rose into 2011 while MACD went sideways into 2012 as Apple stock continued to rise from 11.76 to 100.72, +756% gain.   MACD turned down crossing its signal line in 2012, generating a sell in 2013.  Apple fell from 100.72 to 52.55, a 47.8% loss.  MACD then started to flatten out forming a rising double bottom formation (one of the most bullish formations to look for on charts and make money).  Apple rose from 52.55 to 134.54, +156.0% gain. MACD peaked in 2015, turning down, losing momentum and Apple fell from 134.54 to 89.47, a -33.5% loss.

Apple’s latest rise off of the bottom is from 89.47 to 135.50, a gain of 51.5%. The good news is the MACD pattern remains very bullish even with its rise to new highs.  Next objective is 155.00 and support is 127.00.  There has been a definite shift in investor sentiment since the election and belief the company will benefit from potential changes down the road by President Trump. Time will tell.

Summing Up:

Major averages have made new all-time highs, a common theme of 2017.  The advance that is taking place is the best kind of advance, one where pullbacks are very minor and price continues higher as investors wait for the decline.  The Nasdaq 100 (QQQ) did break out in January, and could well be on its way to another 7% gain.  The trend is up.  Apple, its largest component has a very favorable MACD pattern suggesting there is more room to the upside on top of its recent gains.   The trend is your friend. Enjoy the ride.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

If you like this article, then you will love this! 

Click here for a free report: Top 10 investing Tips to More Wealth

*******Article in Systems and Forecasts February  16, 2017

Discover the right wealth building attitude…

Download a Free chapter of my book
Journey To Wealth

 


Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

Remember to share:
Share

The first week of 2017 was strong after many major averages made new highs in December.  Since that time major averages have paused, digesting their gains.  The Dow Industrials has come close a few times to the key psychological 20,000 level, however so far unable to push through.   The Russell 2000 (IWM) peaked just above its upside objective at 138.00 and the S&P Mid-Cap 400 (MDY) also made its upside objective at 307.50, however then pulled back.  When the Dow closes above 20,000 there is a good chance other indices will also move higher, surpassing their old highs.

Our stock market timing models remain neutral-positive indicating a potentially profitable market climate.  The overall technical picture of the market remains positive.  The cumulative advance decline line of the NYSE advance/decline line confirmed the highs made in December.  When market breadth confirms price, usually that suggests the final high has not been made.  It was also a good sign that there were 490 daily new highs on the NYSE on December 8, the most since May 2013.  These types of readings are more bullish than bearish and suggest higher prices going forward.  It’s also bullish that the Nasdaq Composite is now leading in relative strength vs the S&P 500, a condition which has historically overall characterized more profitable market climates.

Watch The Direction of Technology:

PowerShares QQQ ETF (Nasdaq 100 Index) Weekly Price and Trend Channels (Top), and MACD 19-26-9 (Bottom)

The top part of the chart shows the weekly Power Shares 100 (QQQ), an exchange-traded fund based on the Nasdaq 100 Index and its trend channels.  The QQQ includes 100 of the largest domestic and international nonfinancial companies listed on the Nasdaq stock market based on market capitalization. As of 01/10/17, Apple, (AAPL) is the largest holding comprising 10.87%, Microsoft Corp (MSFT) 8.53%, Amazon.com, Inc. (AMZN) 6.47%, Facebook, Inc. Class A (FB) 4.98%. Alphabet Inc. Class C (GOOG) 4.75% and Alphabet Inc. Class A (GOOGL) 4.19% totaling 39.79%.

All the top holdings have rebounded this year after being out of favor before the election. The QQQ rose 7 straight sessions, closing at a new all-time high.  With its recent strength, it looks like the QQQ could break out from here, (red circle above).

The upside channel objective is 130.00 (top blue channel line).

For now, the trend is our friend, however later this year could be more challenging as the market is in the late stages of a bull market.  As long as the QQQ is above the retracement line from the break out of 112.00 in July 2016 (pink line), now acting as support, periodic declines most likely will be buying opportunities. A break below 112.00 would be considered bearish and suggest a more serious market decline.

Keep an eye on Apple, (AAPL) the largest holding of QQQ which has a favorable monthly MACD pattern turning up from an oversold condition, after breaking its downtrend in September 2016 (chart not shown).  This has favorable implications for the technology area over the next several months.

The bottom half of the chart is MACD (12, 26, 9) a measure of momentum.  MACD has broken its down trendline which is favorable; however MACD is not in its most ideal buying position as the turn up didn’t occur from an oversold condition below 0.  This pattern needs to be monitored to see if MACD continues to rise further making a new high picking up momentum, as did the weekly MACD on the Russell 2000 (IWM) from October 2016 – December 2016.

Summing Up:

The overall trend of the market remains optimistic even though the Dow Industrials has been unable to get through the key psychological 20,000 level.  Maybe earning season that begins 01/13/17 will be the fuel that is needed to get through the level.  Upside channel objectives have already been met on the Russell 2000 Small Cap (IWM) and the SPDR S&P Mid Cap 400 (MDY).  So far the pullback has not jeopardized the bullish outlook.  In the meantime the Nasdaq 100 (QQQ) was up seven days in a row, reaching a new all-time high and has slightly penetrated its channel suggesting a possible breakout will occur.  Look for strength in the Nasdaq 100 (QQQ) to lead the overall market higher. As long as the QQQ remains above the retracement line from the break out in July 2016 (pink line) above 112.00, intermittent declines most likely will be buying opportunities.

I would love to hear from you. Please call me at 516-829-6444 or email at bgortler@signalert.com to share your thoughts or ask me any questions you might have.

If you like this article, then you will love this! 

Click here for a free report: Top 10 investing Tips to More Wealth

*******Article in Systems and Forecasts January 13, 2017


Discover the right wealth building attitude…

Download a Free chapter of my book Journey To Wealth

 

Disclaimer: Although the information is made with a sincere effort for accuracy, it is not guaranteed that the information provided is a statement of fact. Nor can we guarantee the results of following any of the recommendations made herein. Readers are encouraged to meet with their own advisors to consider the suitability of investments for their own particular situations and for determination of their own risk levels. Past performance does not guarantee any future results.

 

Remember to share:
Share

Kathy money_treeInvesting can be frustrating because sometimes the market is tricky, but it can also be so rewarding if you’re willing to stick with a plan that can drive you toward improving your investing success. Are you finding it more challenging to make money investing in the stock market and would like to experience more success? Would you like to be less stressed and confidently build more wealth? You don’t have to be a mathematical genius, a stock market guru, or have a degree in finance to be prosperous and make money investing. You can master the skills needed with some simple trading and money-making investing strategies that you can assist you in accumulating wealth.

Increase your odds of more successful investing today

Being profitable, takes discipline, a winning mindset, and managing your risk. Controlling loss is the secret to success and in being a profitable trader or investor. The key to growing wealth with investing is to control and manage risk so that you can achieve your investment goals. Do what is necessary not to let your emotions get in the way. Set realistic goals, be patient with yourself and create guidelines that are suitable for you and that are easy to follow. It’s the only way you’ll stay the course. Start now using investment practices to increase the odds for more victories when building and sustaining your wealth by using the insights listed below.

Simple Tips Toward Improving Your Investing Success

  • Develop a trading plan with a written set of guidelines that specifies when you will enter and exit a trade before you purchase any security so that you will not build losses.
  • Follow your plan. Don’t change your rules in the middle of a trade because this will most likely be the wrong decision.
  • Trust your intuition.
  • Find a trading style that what works for your stage in life that you are in so you are comfortable. Your risk tolerance is different than others.
  • Don’t make trading decisions based on emotions. Fear and greed will lead to bigger losses that will take longer to make back.
  • Don’t use money that is for day-to-day living expenses. This will lead to poor decisions, excess stress, and forcing trades at the wrong time that will not be profitable.
  • Use the internet. There are many sources with resource tools to help make your investing easier leading you to more success and profits.
  • Manage risk by protecting first. Set a stop loss to manage risk and protect your capital to avoid large losses. Don’t place too much money in any single investment in case something unexpected happens that could wipe out your investment portfolio.
  • Learn from your losses that occur so you will not make the same mistake twice and in turn this will help you be a more successful investor.

When working toward improving your investing success you must develop a lifestyle plan that has your money working for you and is also suited to meet your overall needs You can improve your lifestyle by investing wisely and taking the responsibility to control your destiny. While on your journey to wealth, you will find that you will constantly have make decisions and this may feel overwhelming but you must do your homework and Believe in YOU! When you become mindful you will find it easier to make decisions that accommodate your lifestyle and improve your financial well-being. You’re on the right track and have the power to create change in your investing success.

If you like this article then you will love these wealth tips. Download Here: https://bonniegortler.com/10-wealthtips/

I would love to hear from you. Contact me at Bonnie@BonnieGortler.com.