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Every so often, I'll post an article, blog or product concerning Publishing, Finance or Health & Beauty that I believe is important for my clients, readers and stockholders. I hope you find the information very helpful! Sandy Steele I don’t recommend stocks very often, but this stock may turn out to be a great long term investment for my readers. Please do your own due diligence or contact your financial advisor. Also, I currently own shares and options in E-Trade. Sandy Steele (10/22/09) E*Trade: Very UndervaluedOctober 22, 2009 E*Trade (ETFC) is just 3 trading days away from its earnings report. Next week will be exciting for investors. I shall stick to my guns and stay invested in both my own account and the fund I manage. I believe ETFC is very undervalued. When I look for undervalued stocks, I look at the Price/Sales ratio which should be below 1.5 to be undervalued and below 0.75 to be very undervalued. ETFC's Price/Sales ratio is just 0.66, based on trailing 12 month sales. TDAmeritrade (AMTD) has a P/S ratio of 4.93 based on trailing 12 month sales. Charles Schwab (SCHW) has a P/S ratio of 4.79 based on trailing 12 month sales.Another important issue is sales growth and the rising rate of quarterly sales growth. To evaluate this, the change from this quarter last year to the present quarter (-4.4%) must be examined, and then compared to the previous quarter last year compared to the previous quarter (-22%) of the current year. ETFC is undervalued as it shows a rising trend in the reported earnings for the most recent quarters. ETFC's earnings per share for the past 2 quarters (-0.41 and -0.22) have been increasing. The current earnings estimate for next week is -0.08. Earnings whispers has ETFC at 100% chance it will beat the estimate for next week. ETFC is also trading well below book value of $2.67 a share. AMTD has a book value of $5.76 and is trading at $19.84 a share. SCHW is trading at $18.02 and has a book value of $3.97. In September, ETFC had three major analysts turn bullish and raise their opinions and price targets by substantial percentages. Below are the detailed analyst reports. September 14, 2009 Citigroup upgrades E*TRADE (Nasdaq:ETFC) from Hold to Buy, also raising its price target from $1.50 to $2.30. The firm reduced its FY09 and FY10 loss estimates from $0.52 and $0.15 to $0.43 and $0.09, respectively, saying the recent $1.7 billion debt exchange has eased capital concerns. The Street is currently looking for a FY09 loss of $0.65 and a FY10 loss of $0.02. Citi sees loan losses through 2012 of $6.4 billion, or about 20% of E*TRADE's mortgage portfolio, but also expects higher rates of provisioning during the next ten quarters despite slowing 30-89 day delinquency trends. As E*TRADE's portfolio continues to stabilize, Citi believes there could be an increased likelihood for a potential takeover bid by competitors like Charles Schwab (Nasdaq: SCHW) or TD Ameritrade (Nasdaq: AMTD). September 15, 2009 FBR Capital bumped their price target on E*Trade (Nasdaq: ETFC) from $2.00 to $2.25, reiterating their Outperform rating, citing increased confidence in E*TRADE's return to profitability and the improving state of credit and capital at E*TRADE Bank. FBR commented, "Notwithstanding strong client activity in August, investors should focus on evidence of continued improvement in delinquency trends in E*TRADE's $8.8 billion HELOC portfolio, as well as stabilization in delinquencies in the $11.4 billion one-to four-family portfolio." The firm said in HELOC, total delinquencies declined 7.2% quarter to date while early-stage delinquencies held steady. The noted that delinquency trends in the one-to four-family mortgage portfolio were better than expected, as total delinquencies were up just 0.4% to $1.68 billion, loans 30 to 89 days past due fell 6.2% to $528 million, and loans 90 to 179 days past due declined 9.2% to $404 million. Loans delinquent greater than 180 days rose 12.2% to $755 million. E*TRADE expects total net charge-offs of between $350 million and $375 million during 3Q09, down from $386 million in 2Q09. September 18, 2009 Goldman Sachs upgrades ETrade from Neutral to Buy and raised their 6-month price target from $1.70 to $2.30. The firm cited improving trends in the bank and broker segments. The firm said, "With improving delinquency trends in the home equity line of credit portfolio and solid brokerage trends, E*Trade appears to have turned the corner in its performance and we estimate the shares have 35% upside from current levels." The firm also cited 10% probability to a potential take-out, which has increased in recent days as ETFC has signaled it will replace current CEO Don Layton. David Trone, an analyst at Fox Pitt Kelton Cochran Caronia Waller, also believes that a sale of the company's brokerage operations is becoming more likely. Between the unwinding of the bank subsidiary, a sale of the brokerage operations and the debt repayment, that would leave ETFC shareholders with $1.68 a share in cash proceeds for shareholders, Trone writes in a note in which he upgraded the stock to in line. You decide if you think the analysts are correct. Given all the recent buy rating upgrades, ETFC now at $1.62 doesn't reflect any of the analyst rating changes. New investors buying now get a huge discount to ETFC's fair value. Disclosure: As of 10/21/09 I owned ETFC and ETFC options. ____________________________________________ Publishing My first novel, The Twilight of Sunrise Sunset was just recently released by Publish America and is now available on this web site as well as national stores like Amazon.com and Barnes and Noble. If purchased on my web site for $30 including all shipping, handling and sales tax, you will receive an autographed copy of this first printing. The storyline and plot concern a couple who unfortunately, lose everything important to themselves, including their money, family and reputations. Through unwavering love and hope this wonderful couple fights desperately to return to the top from the abyss. Millions of Americans can currently relate to this powerful tale of unexpected disaster followed by hope and redemption. “Just what all of us need during these trying times!” Sandy Steele New Novel Gives Hope to Millions - Publish America Presents... "The Twilight of Sunrise Sunset" by Sandy Steele Greed from Wall Street to Real Estate to Washington--A trifecta for financial disaster. "The Twilight of Sunrise Sunset" centers on a couple who mysteriously loses everything important in life, including family, money and reputations and their battle to return to the top. All they have left is their deep passionate love and hope. (PRWEB) May 20, 2010 -- Best Selling author Sandy Steele confirmed today that her debut novel is now immediately available in hardcover for $27.95 at bookstores everywhere. Ms. Steele is widely known as “The Thinking Person’s Author.” “Ripped from today’s headlines: Goldman Sachs rips off their own clients?” “Beginning in 2006 I strongly felt that our economy was headed for a financial collapse of biblical proportions. Because of my business background, including creating a public company, and my husband’s vast experience on Wall Street, we both could see the insanity permeating our financial institutions, housing market and out of control spending by our elected officials in Washington. This is when and why I started writing my first novel, 'The Twilight of Sunrise Sunset”, stated Ms. Steele. For additional information on the book and the author, please go to http://www.sandybeverlyhills.com/ Three best friends meet on a dark Halloween night during a crackling thunderstorm which results in their lives being changed forever. This chance meeting results in the friends losing everything of importance including money, family and reputations. Their battle to return to the top through deep love, passion and compassion for each other is the ultimate struggle to be resolved. Enter a world from stately Southern magnolias and mysterious skyscrapers of Wall Street, to Hollywood’s famous and infamous intriguing souls. “I feel that hopefully millions of people around the country can empathize and eventually feel much happier after reading my novel. Also, because of the current tough times, I’m encouraging buyers of "The Twilight of Sunrise Sunset" to pass it around to friends to save money.” Sandy Steele Publish America is one of the nation’s largest publishers. (http://www.publishamerica.com/). For additional information on Ms. Steele and "The Twilight of Sunrise Sunset" see http://www.sandysteele.com/ , http://www.steeleunlimited.com/ and http://www.honeytrustmeonthis.com/ . Sandy Steele has published two previous non-fiction books on celebrities and sports stars entitled, "The Official Celebrity Registry". While working as the Health and Beauty Editor for “The Beverly Hills Times,” she published an alternative-health book, "The Beverly Hills Longevity Code". Ms. Steele also created, produced and hosted a popular radio show in Los Angeles on women’s issues, “Honey, trust me on this…”© ____________________________________________
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Finance My company, Sandy Steele Unlimited has just acquired "The Bel-Air Group" for an undisclosed amount.The Bel-Air Group is a 10 year old investment firm that advises and helps small companies go public and raise capital. For more detailed information go to: www.steeleunlimited.com WASHINGTON — In 2006 and 2007, Goldman Sachs Group peddled more than $40 billion in securities backed by at least 200,000 risky home mortgages, but never told the buyers it was secretly betting that a sharp drop in U.S. housing prices would send the value of those securities plummeting. |
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_____________________________________________ Health & Beauty I found the article below a powerful but succinct method of controlling and losing weight. I've been writing about Obesity for over a decade which is now an epidemic. Not only can you die early, but the resulting health problems may bankrupt you financially before that! Thanks, Tatum Rebelle from E-Diets. 8 Ways to Lasting Weight Loss By Tatum Rebelle eDiets Contributor The first things many women do when they want to lose weight are dramatically cut their calories and make a list of off-limit foods. Even with the best intentions, doing this is actually slowing down your metabolism and creating cravings. This results in more stored fat and the eventual binge when cravings are finally too strong to ignore. Want flatter abs? Leaner legs? A better butt? Let eDiets help you shape up and slim down with one of our 20 personalized diet plans! Click here to find your best way with a FREE diet profile! Then there is the sense of failure and frustration due to feeling like you have fallen off the wagon. Determined to do better next time, the cycle begins all over again. Yo-yo dieting is a way of life for millions of Americans -- even though there is more than a 90-percent failure rate. Nutrition is the leading contributor to weight loss. It is imperative that you stay conscious of what goes into your body. The quality of food you eat is directly reflected in your body's appearance, as well as your overall health. No amount of exercise can counterbalance a poor diet. lasting weight loss: 1. Do not drastically cut calories. They are your body's energy and necessary for it to function efficiently. What you can do is limit the empty calories. These come from foods with little or no nutrients. If some of the leading ingredients are flour, high-fructose corn syrup, sugar or partially hydrogenated oils, you can bet the food does not support your health or weight loss. 2. Keep junk foods out of sight, and out of mind. When ice cream is in the freezer or potato chips are calling to you from the pantry, they are hard to ignore. Keep healthy snacks that satisfy your cravings close by. If you have a sweet tooth, strawberries should do the trick. If you crave crunchy or salty foods, keep carrots or a variety of nuts in stock. 3. Do not drink your calories. Soda, juice, coffee filled with creamer and alcohol can contain a ton of calories. By sticking to tea and water, you can cut hundreds of calories each day. By simply cutting out a couple high-calorie beverages daily, you can lose several pounds. 4. Make fitness a priority. If exercise is something that's done only when you have the time, chances are that it will not happen very often. Make fitness a priority and schedule it on your calendar like you would a lunch date or a doctor's appointment. Find what works best for you and stick to it. The best time might be first thing in the morning before the kids wake up, or in the afternoon when they nap. You may find that exercising with your child works best. Whatever time of day or type of exercise you choose, it is important to be consistent. Make it a priority and a habit. 5. Every little bit counts. Getting in shape does not require a daily two-hour commitment at the gym. Something as simple as an afternoon walk around the neighborhood with the stroller, or squatting and lunging as you hold your baby can make a big difference. 6. Change your mindset. Developing a positive attitude toward weight loss and health is absolutely necessary if you want to be successful. It has been proven over and over again that the mind and body work closely together. When your mind is saying exercise is a miserable chore, that's most likely what it will feel like every time you do. When your thoughts dwell on the excess weight, your body is carrying with it a hopeless attitude that will undoubtedly make the pounds harder to lose. Many people find that positive affirmations help. When you exercise, tell yourself that you are becoming a thinner and healthier person. The more you do this and believe it, the more likely it is to actually be true. As you are eating your balanced diet of whole grains, fruits and vegetables, don't think about the junk food you are missing out on. Instead, think of how fit you are becoming by feeding your body what it needs to become its best. 7. Find inspiration that works for you. Some may want to lose the weight so they can fit into their pre-pregnancy clothes. Others may want to get healthy to reduce their risk of heart disease and diabetes so they have a better chance of being around longer for their children. Still, others may need a role model or visual picture of someone they want to emulate. Motivations for getting in shape are unique. Figure yours out and use it to keep you going. 8. Get help. Fitness and nutrition can seem overwhelming at times. Using online resources and hiring a fitness coach can be very beneficial. Having a personal trainer who is knowledgeable about postpartum exercise will provide safe and effective workouts, as well as hold you accountable to regular exercise. It only takes minor lifestyle adjustments to have a noticeable impact on both your physique and your health. You can do things as simple as changing breakfast from white bread toast with margarine to whole grain toast with a thin spread of natural peanut butter. Adding as little as 5-10 minutes a day of physical activity to your daily routine can facilitate gains in weight loss and improve health. Most of our daily routine is simply habit. Creating new habits takes just a little bit of time, and can be completely life changing. SPECIAL OFFER! Sign up for one of eDiets meal delivery program (rated #1 by epicurious.com!) and get a FREE GIFT! Click here for more info. Tatum Rebelle is the owner of Total Mommy Fitness and a certified personal trainer. She is certified in prenatal and postnatal fitness by the American Council on Exercise (ACE) as well as other health and wellness specialties. She's previously been a personal trainer at 24 Hour Fitness in Scottsdale, AZ and Dallas, TX and Fit for Life in Fort Worth. Best of Health, Wealth & Happiness, Sandy Steele Chairperson and Founder Sandy Steele Unlimited http://www.HoneyTrustMeOnThis.com
Sandy Steele Unlimited, Inc. | 264 La Cienega Blvd. Suite 172 | Beverly Hills, California 90211
www.steeleunlimited.com | 706-864-9574 | Email: steeleunlimited@aol.com |