Monday, April 26, 2010
Pardon Our Website Appearance
Due to a technical mishap we were forced to change the face of the Stock Power website. Please pardon our appearance. The site will be restored as soon as possible. Thank you.
Monday, November 9, 2009
Stock Power
My name is Bill Hudley. I published my first novel last year. The title is "Stock Power". The story is biographical fiction about a stockbroker whose entire life runs into a brick wall.
If you read this book, you will definitely be entertained. You might also become richer! The book is available at Amazon.com. Thanks.
If you read this book, you will definitely be entertained. You might also become richer! The book is available at Amazon.com. Thanks.
Monday, August 17, 2009
American Economy: It's What We Make It
A friend told me about a terrible thing that happened to her roughly six years ago. She was driving her car in heavy traffic on a hot summer day when she smelled something burning. The odor seemed to be coming from under the hood of her car. She tried to drive another fifty miles to her destination, but the car sputtered to a stop before she reached her destination.
I asked my friend (let’s call her Pricilla) when she last had maintenance performed on the car. “Oh, I don’t remember”, she said. “Probably last year. I just don’t get the time to take it in to be checked.”
I was in a restaurant last week when I overheard a patron lamenting about money he lost in his 401(k) plan during the past five years. His voice was a “stage whisper”, and the man didn’t seem to mind that I knew his investments were unsuccessful. I think his name was Newton.
“This economy has really taken its toll on the little guy,” he said to me. “How old is your 401(k)?” I asked. “About 15 or 16 years”, he replied. “It was doing nicely when I first started out. I lost more than thirty percent of my money. That’s the economy for you.”
No, it isn’t.
I asked my friend (let’s call her Pricilla) when she last had maintenance performed on the car. “Oh, I don’t remember”, she said. “Probably last year. I just don’t get the time to take it in to be checked.”
I was in a restaurant last week when I overheard a patron lamenting about money he lost in his 401(k) plan during the past five years. His voice was a “stage whisper”, and the man didn’t seem to mind that I knew his investments were unsuccessful. I think his name was Newton.
“This economy has really taken its toll on the little guy,” he said to me. “How old is your 401(k)?” I asked. “About 15 or 16 years”, he replied. “It was doing nicely when I first started out. I lost more than thirty percent of my money. That’s the economy for you.”
No, it isn’t.
Granted, the markets responded to the greed and corruption that nearly blew up Wall Street; but that’s not the only reason Newton lost his shirt in the market.
No one forced Newton to stay invested from January 2007 ‘till now while clinging to the dream shared by millions that 401(k) plans are synonymous with retirement security. Pricilla can’t blame the breakdown of her car on the heavy traffic she was in. Quite simply, she wasn’t prepared for the inevitable mishap.
What do these two misguided wayfarers have in common? The answer is they both were irresponsible, being too casual with their planning and conservation of important assets. In other words…
No one forced Newton to stay invested from January 2007 ‘till now while clinging to the dream shared by millions that 401(k) plans are synonymous with retirement security. Pricilla can’t blame the breakdown of her car on the heavy traffic she was in. Quite simply, she wasn’t prepared for the inevitable mishap.
What do these two misguided wayfarers have in common? The answer is they both were irresponsible, being too casual with their planning and conservation of important assets. In other words…
THINK ABOUT THIS...
WHAT IF YOU EXCHANGED YOUR MUTUAL FUND SHARES FOR MONEY MARKET SHARES EARLY IN 2008?
S&P chart courtesy of Yahoo! Finance.
Just think, if you had $100,000 sitting in various funds in your 401(k) plan in January 2008 and exchanged your shares from equity and bond funds into a traditional money market fund, your account would be valued at approximately $104, 000 today (assumes a 4% compounded growth rate), regardless of what happened to the rest of the market!
The Merrill Lynches of the world would not have sold you out - FOR A FEE - and, if a few million alert investors did the same thing, the economy would not be in its current condition. That's because enough Americans would have more money to spend - or save for retirement.
The Merrill Lynches of the world would not have sold you out - FOR A FEE - and, if a few million alert investors did the same thing, the economy would not be in its current condition. That's because enough Americans would have more money to spend - or save for retirement.
Unfortunately, untold millions of employees did not hear from their financial advisors in time or their 401(k) fairies were at a convention for the past year.
Please take this short quiz on the American Economy.
1. You believe The Recession is over
2. You expect the Dow Jones to hit 10,000 by December 31, 2009
3. Making money in the stock market is all a game of chance4. More jobs will be lost in 2010
4. Holding on to your stocks for the long term is the best strategy
5 The Federal Reserve is an agency of the U.S. government
6. Mortgage-backed investments are not safe
7. If you continue saving in your 401(k) plans, you will have enough money to retire in 10 to 15 years.
If you answered "Yes" to three or more questions, read my recent novel:
You may place your order at Amazon.com or
Contact Us: info@wlhcommunications.com
ALL RIGHTS RESERVED - 2009
WLH COMMUNICATIONS INC NEW YORK
WLH COMMUNICATIONS INC NEW YORK
Saturday, April 4, 2009
U.S. Economy: Not A Rocket Science
It is no longer a secret that, when elected officials get entangled with personal interests and corporate corruption, tax-payers pick up the tab for the damages and the economy shrinks.
American citizens have been hit so many times by the effects of greed and the self-serving attitudes in Congress that a rippling crisis was imminent. I believe we needed a collapse in order to pause and reflect on the price of conspicuous consumption and complacency.
Americans, on the whole, are the world's most prolific consumers. That's because our incomes are higher than anywhere else, and merchants have found highly sophisticated techniques for getting us to spend our money. Unfortunately credit has been abused in three major markets - housing, automobiles and credit cards. The result of rampant consumer spending is the current global financial crisis.
So, what else is new?
If you are a TV channel surfer, you are aware of the focus on the economy from every popular financial talk show. I am amused by some of these forums because they are repetitive and often confrontational. The problem I have with the media, which I have expressed boldly over the past decade, is that the commentators hardly get it right when presenting their views on solutions to our economic dilemma. I am convinced that they are more interested in being photogenic.
That doesn't deter me from espousing on the way our nation's plight is being treated. Economic growth is measured by one thing only: how businesses and consumers spend money, in that order. Layoffs are infectious and they must be stopped.
Strategic capitalization is the answer to that problem. Since banks are in business to finance corporate America, a remedial program must be activated to help restore this basic principle. Apparently, the only source for available capital, at this juncture, is the United States government, in which case, a commission should be set up to safeguard all capital that is earmarked for America's struggling corporations. If anyone ever asked me, I would propose a standardized business plan that would be implemented when companies receive new bank loans.
Corporations and large institutions have been left alone to treat money as if it grew on trees. The sad truth is that these groups will continue their monetary practices until something really bad happens, such as total insolvency and bankruptcy. While these robber barons are enjoying their spoils, the rest of the public has been enthralled in repetitious conundrums about the solution to our national financial crisis. It bothers me, and possible some of you, that so much time is spent on talk and criticism.
I gave our situation a lot of thought. Naturally, I consider myself to be just as reasonable as any of the so-called gurus on television. It has been my view that the solution to the nasty mess we are in is not very complicated. I believe the more we argue about it, the more indiscernible the solution will become.
Looking at a problem from the bottom upward is most often an efficient way to solve a problem. In my opinion, the economy would begin to grow again if consumers had job security and money to spend. Ok. If small businesses had sufficient cash flow they would not have to layoff employees. Instead, they might even be able to increase their human resources. If that were true, banks should be able to provide business loans to businesses to make all this happen. There are no arguments to refute these principles.
So, how does the grand scheme of finance come to life? The answer to this question is not so simple, but it's also not a rocket science. Given, there extenuating circumstances involved with stimulating the economy, an extremely well planned, simplified funding program (no, it's not TARP!) should be designed to provide liquidity in the credit markets. It would be systematic, measurable and accounted for by the Federal Reserve Board. The FOMC meetings would include a thorough monitoring and evaluation of the funding program periodically, as needed.
The Fed has the money. Why don't we bypass as much governmental posturing as possible, commit to a $500 billion guarantee to commercial banks and get on with it? The GDP could grow by 10% in the second half of 2009 if consumer spending increased by 15-20%. Yes, I am aware that I'm too late and missed the congressional invitation that was sent to the wrong address. I believe springs eternal.
God bless America. Cheers to President Obama!
American citizens have been hit so many times by the effects of greed and the self-serving attitudes in Congress that a rippling crisis was imminent. I believe we needed a collapse in order to pause and reflect on the price of conspicuous consumption and complacency.
Americans, on the whole, are the world's most prolific consumers. That's because our incomes are higher than anywhere else, and merchants have found highly sophisticated techniques for getting us to spend our money. Unfortunately credit has been abused in three major markets - housing, automobiles and credit cards. The result of rampant consumer spending is the current global financial crisis.
So, what else is new?
If you are a TV channel surfer, you are aware of the focus on the economy from every popular financial talk show. I am amused by some of these forums because they are repetitive and often confrontational. The problem I have with the media, which I have expressed boldly over the past decade, is that the commentators hardly get it right when presenting their views on solutions to our economic dilemma. I am convinced that they are more interested in being photogenic.
That doesn't deter me from espousing on the way our nation's plight is being treated. Economic growth is measured by one thing only: how businesses and consumers spend money, in that order. Layoffs are infectious and they must be stopped.
Strategic capitalization is the answer to that problem. Since banks are in business to finance corporate America, a remedial program must be activated to help restore this basic principle. Apparently, the only source for available capital, at this juncture, is the United States government, in which case, a commission should be set up to safeguard all capital that is earmarked for America's struggling corporations. If anyone ever asked me, I would propose a standardized business plan that would be implemented when companies receive new bank loans.
Corporations and large institutions have been left alone to treat money as if it grew on trees. The sad truth is that these groups will continue their monetary practices until something really bad happens, such as total insolvency and bankruptcy. While these robber barons are enjoying their spoils, the rest of the public has been enthralled in repetitious conundrums about the solution to our national financial crisis. It bothers me, and possible some of you, that so much time is spent on talk and criticism.
I gave our situation a lot of thought. Naturally, I consider myself to be just as reasonable as any of the so-called gurus on television. It has been my view that the solution to the nasty mess we are in is not very complicated. I believe the more we argue about it, the more indiscernible the solution will become.
Looking at a problem from the bottom upward is most often an efficient way to solve a problem. In my opinion, the economy would begin to grow again if consumers had job security and money to spend. Ok. If small businesses had sufficient cash flow they would not have to layoff employees. Instead, they might even be able to increase their human resources. If that were true, banks should be able to provide business loans to businesses to make all this happen. There are no arguments to refute these principles.
So, how does the grand scheme of finance come to life? The answer to this question is not so simple, but it's also not a rocket science. Given, there extenuating circumstances involved with stimulating the economy, an extremely well planned, simplified funding program (no, it's not TARP!) should be designed to provide liquidity in the credit markets. It would be systematic, measurable and accounted for by the Federal Reserve Board. The FOMC meetings would include a thorough monitoring and evaluation of the funding program periodically, as needed.
The Fed has the money. Why don't we bypass as much governmental posturing as possible, commit to a $500 billion guarantee to commercial banks and get on with it? The GDP could grow by 10% in the second half of 2009 if consumer spending increased by 15-20%. Yes, I am aware that I'm too late and missed the congressional invitation that was sent to the wrong address. I believe springs eternal.
God bless America. Cheers to President Obama!
Contact Us: info@wlhcommunications.com
ALL RIGHTS RESERVED - 2009
WLH COMMUNICATIONS INC NEW YORK
Sunday, March 1, 2009
Wall Street, Both Goldmine and Carnival
There is no other place on this planet as sophisticated and resourceful where you can make big money and get fleeced without leaving your armchair. The money craze on Wall Street has called attention to a new era for investors.
"Yessiree, step right up and play the game everybody loves! You sir, yes you with the big bear tee shirt. This is your lucky day! I'll tell you what I'm going to do for you. Give me a half million dollars and I will guarantee that your investment earns twenty percent per year EVERY YEAR for the next five years and longer. Trust me.
(Pitch continued...) "This investment is one of a kind and we only offer it to special investors who seek above average returns. I'm giving you our confidential brochure documenting the returns over the past ten years. As you can clearly see from the charts and the sincere look in my eye (doesn't matter which one), this is a phenomenal opportunity backed by our proven history of outperforming the markets."Now, who in their right mind would fall for a scam like the one described above. You? If not you, who?
The shell game on Wall Street has been marketed in various forms.If you didn't quite like the cologne worn by the scam artist offering you twenty percent on your money, you probably gave a huge fraction of your assets to a giant institution brandishing a recognizable logo for the last fifty years. I'm referring to Merrill Lynch. You sounded like a bug snug in a rug when you told your house guests or close friends (OR ME), "I'm with Merrill."
For decades, Merrill Lynch posed as a monolith owning a legacy of strength and integrity.Who knew the benchmark of investment banking was so reckless while strutting its bullish messages in more tabloids than any financial institution in the world? I had only a small clue, going back twenty years; but I had no idea the company was casting a shadow across the markets that ten times larger than its true size. Imagine, a global investment bank being swallowed up by a bank (Bank Of America, NYSE: BAC)! Think about that for a couple of minutes.
Being Rich Has New Meaning
"The rich get richer" is an old adage that we have all heard for most of our lives. Forget it. These days the rich are becoming more corrupt by the hour, losing their integrity to the lure of money an preying on investors that need the money the most. It's about time we all learned that any service or series of transactions that require new capital to be successful is a virtual Ponzi scheme!
Roughly three decades ago, Woody Allen described a stockbroker as someone who invested your money until there was none left. In the past decade, distributions of wealth have been a one-way system that benefits corporate executives more than any other class in the United States; and we taxpayers are now asked to take a flying leap of faith in hopes that our government will put the brakes on the inequities of Wall Street. Unfortunately, it hasn't happened, yet.
While Democrats and Republicans debate who's right and who's wrong, the swindler's beat goes on. Unjustifiable use of company jets, lavish junkets to softer climes and additional perks to the best dressed executives will continue until President Obama finds a way to pull the plug. In my view, he is somewhat intimidated by the likes of Nancy Pelosi and Barney Frank. Who wouldn't be? Those two bureaucrats began hobnobbing on Capitol Hill before Mr. Obama left law school. In my opinion, they represent the monkey wrench (think pork) in the recovery program.
About Hope
I believe no one doubts that our greatest commodity is hope.
Government, being what it is, will grind through waste to achieve the economic restoration this country needs, albeit in a much longer time frame than actually necessary. Supposedly, the buck will stop at the Oval Office, and hard-nosed decisions from the top will be exercised.I think of the solution to our financial crisis can be characterized a a gigantic jigsaw puzzle.
The banks have to be reclassified and refurbished, jobs must be secured and looting of investors' pockets must cease, all within a singe time frame. Progress in these areas has to be achieved quickly in order to keep the glimmer of hope alive around the world.
If there was ever an opportunity for a U.S. President to be lionized as a the champion of America's future, now is the time - a feat that would be registered as one more magnificent moment in history.
Hudster
"Yessiree, step right up and play the game everybody loves! You sir, yes you with the big bear tee shirt. This is your lucky day! I'll tell you what I'm going to do for you. Give me a half million dollars and I will guarantee that your investment earns twenty percent per year EVERY YEAR for the next five years and longer. Trust me.
(Pitch continued...) "This investment is one of a kind and we only offer it to special investors who seek above average returns. I'm giving you our confidential brochure documenting the returns over the past ten years. As you can clearly see from the charts and the sincere look in my eye (doesn't matter which one), this is a phenomenal opportunity backed by our proven history of outperforming the markets."Now, who in their right mind would fall for a scam like the one described above. You? If not you, who?
The shell game on Wall Street has been marketed in various forms.If you didn't quite like the cologne worn by the scam artist offering you twenty percent on your money, you probably gave a huge fraction of your assets to a giant institution brandishing a recognizable logo for the last fifty years. I'm referring to Merrill Lynch. You sounded like a bug snug in a rug when you told your house guests or close friends (OR ME), "I'm with Merrill."
For decades, Merrill Lynch posed as a monolith owning a legacy of strength and integrity.Who knew the benchmark of investment banking was so reckless while strutting its bullish messages in more tabloids than any financial institution in the world? I had only a small clue, going back twenty years; but I had no idea the company was casting a shadow across the markets that ten times larger than its true size. Imagine, a global investment bank being swallowed up by a bank (Bank Of America, NYSE: BAC)! Think about that for a couple of minutes.
Being Rich Has New Meaning
"The rich get richer" is an old adage that we have all heard for most of our lives. Forget it. These days the rich are becoming more corrupt by the hour, losing their integrity to the lure of money an preying on investors that need the money the most. It's about time we all learned that any service or series of transactions that require new capital to be successful is a virtual Ponzi scheme!
Roughly three decades ago, Woody Allen described a stockbroker as someone who invested your money until there was none left. In the past decade, distributions of wealth have been a one-way system that benefits corporate executives more than any other class in the United States; and we taxpayers are now asked to take a flying leap of faith in hopes that our government will put the brakes on the inequities of Wall Street. Unfortunately, it hasn't happened, yet.
While Democrats and Republicans debate who's right and who's wrong, the swindler's beat goes on. Unjustifiable use of company jets, lavish junkets to softer climes and additional perks to the best dressed executives will continue until President Obama finds a way to pull the plug. In my view, he is somewhat intimidated by the likes of Nancy Pelosi and Barney Frank. Who wouldn't be? Those two bureaucrats began hobnobbing on Capitol Hill before Mr. Obama left law school. In my opinion, they represent the monkey wrench (think pork) in the recovery program.
About Hope
I believe no one doubts that our greatest commodity is hope.
Government, being what it is, will grind through waste to achieve the economic restoration this country needs, albeit in a much longer time frame than actually necessary. Supposedly, the buck will stop at the Oval Office, and hard-nosed decisions from the top will be exercised.I think of the solution to our financial crisis can be characterized a a gigantic jigsaw puzzle.
The banks have to be reclassified and refurbished, jobs must be secured and looting of investors' pockets must cease, all within a singe time frame. Progress in these areas has to be achieved quickly in order to keep the glimmer of hope alive around the world.
If there was ever an opportunity for a U.S. President to be lionized as a the champion of America's future, now is the time - a feat that would be registered as one more magnificent moment in history.
Hudster
Thursday, January 15, 2009
Madoff, American Piranha
I am an ex-convict, as of January 15, 2002. The prefix is permanent, but the root word is not. I was fortunate enough to get the message during my first week in prison. Although I was sentenced to six years’ confinement in a correctional facility, there was no way I could have survived the stark change in my environment. I appealed to the superior court to be re-sentenced to a shorter term was successful. I served a total of seven months on a farm in South Jersey and will never return to the prison system.
My mind is totally changed. The corruption that evolved in my thinking has been replaced with a permanent commitment to be a benefactor to society for the rest of my life.
I wish I could say the same for Bernard Madoff, but I cannot. He is a much different kind of animal.
A reporter called me about a week ago. After he introduced himself as a member of a global news organization, he said he was working on a story about Bernie Madoff and would like to know what I thought of the man. My immediate reaction was to recoil with a complaint I had been harboring about the local newspaper that included my name in a caustic report, sparking the reporter’s interest. After making it clear to the caller that Madoff and I had nothing in common, except for gender, was given an opportunity to describe the quality of advising I performed for nearly twelve years, prior to succumbing to a gambling addiction.
My overall answer to the reporter’s initial inquiry was probably too brief, in retrospect. I said Madoff is an evil person with little or no self-respect. Today, I could easily expand my assessment. This man began an adventure that was based on a desire to steal from the rich. His commitment was so strong, it allowed him to become extremely successful in his pursuit. So much for Bernie Madoff.
The Other Half of the Equation.
Some investors (and corporate managers) are the greediest people on earth, a point that I make in my book, Stock Power. In order to run a successful ponzi scheme, you need to have a sizeable market of gullible participants, just like you need both buyers and sellers in the stock market.
It’s most unfortunate that some of Madoff’s victims were captive investors along for the ride; but a decision maker who is persuaded to make an egregious pledge without verification of the validity of the return on investment is a fool. Regardless of the impression a solicitor makes with references and facades of extreme success, the age-old principal still stands. A sucker is born every day (P.T. Barnum). Apparently, wealth isn’t necessarily the modifier.
Since the late eighties, major markets have crumbled when investors pursued false promises of extraordinary gains. In the 1987, it was the junk bond market. Some twenty years later it was the housing markets. Meanwhile, con artists, large and small, have preyed upon hapless and hopeful zealots who might still believe in the Fairy Godmother.
True Story
In 1995, I discovered a timber producing company called Rayonier Timberlands, LP (NYSE: RYN), operating in several countries including the U.S. At the time of my discovery the stock was paying a dividend of approximately 1% per year along with a monthly payout of approximately 30% (annualized) that represented return of principal. My research revealed that the company would continue to make similar payouts until January 2000. The key caveat was to beware of any early downturn in the company’s revenue streams. The value of the stock increased by 11% from January thru December of 1995, and I think I know why.
Every one of my clients to whom I introduced this investment was told about the risk of the investment. Therefore, they understood why they were getting an annual rate of over 30% while conventional dividend stocks paid 8. A handful of investors did not question why the stock was paying an incredible annual income but still wanted to participate. I told them how the investment worked, regardless, and they thanked me. That’s how my reputation continued to rise in the mid-nineties.
Even in today’s environment, there are several investment vehicles that will provide an annual return of 10% or better. Well advised investors know about these opportunities and will prosper if they allocate the right fraction of their total holdings. Why anyone would abandon the age-old principles of asset allocation is a mystery to me, except to say that money can skew the senses.
So, we wait and watch, in unprecedented disbelief, while this sordid sage about a horrible caper plays out. I hope Bernard Madoff is served the maximum penalty for his crime and that his soul is redeemed.
Hudster
My mind is totally changed. The corruption that evolved in my thinking has been replaced with a permanent commitment to be a benefactor to society for the rest of my life.
I wish I could say the same for Bernard Madoff, but I cannot. He is a much different kind of animal.
A reporter called me about a week ago. After he introduced himself as a member of a global news organization, he said he was working on a story about Bernie Madoff and would like to know what I thought of the man. My immediate reaction was to recoil with a complaint I had been harboring about the local newspaper that included my name in a caustic report, sparking the reporter’s interest. After making it clear to the caller that Madoff and I had nothing in common, except for gender, was given an opportunity to describe the quality of advising I performed for nearly twelve years, prior to succumbing to a gambling addiction.
My overall answer to the reporter’s initial inquiry was probably too brief, in retrospect. I said Madoff is an evil person with little or no self-respect. Today, I could easily expand my assessment. This man began an adventure that was based on a desire to steal from the rich. His commitment was so strong, it allowed him to become extremely successful in his pursuit. So much for Bernie Madoff.
The Other Half of the Equation.
Some investors (and corporate managers) are the greediest people on earth, a point that I make in my book, Stock Power. In order to run a successful ponzi scheme, you need to have a sizeable market of gullible participants, just like you need both buyers and sellers in the stock market.
It’s most unfortunate that some of Madoff’s victims were captive investors along for the ride; but a decision maker who is persuaded to make an egregious pledge without verification of the validity of the return on investment is a fool. Regardless of the impression a solicitor makes with references and facades of extreme success, the age-old principal still stands. A sucker is born every day (P.T. Barnum). Apparently, wealth isn’t necessarily the modifier.
Since the late eighties, major markets have crumbled when investors pursued false promises of extraordinary gains. In the 1987, it was the junk bond market. Some twenty years later it was the housing markets. Meanwhile, con artists, large and small, have preyed upon hapless and hopeful zealots who might still believe in the Fairy Godmother.
True Story
In 1995, I discovered a timber producing company called Rayonier Timberlands, LP (NYSE: RYN), operating in several countries including the U.S. At the time of my discovery the stock was paying a dividend of approximately 1% per year along with a monthly payout of approximately 30% (annualized) that represented return of principal. My research revealed that the company would continue to make similar payouts until January 2000. The key caveat was to beware of any early downturn in the company’s revenue streams. The value of the stock increased by 11% from January thru December of 1995, and I think I know why.
Every one of my clients to whom I introduced this investment was told about the risk of the investment. Therefore, they understood why they were getting an annual rate of over 30% while conventional dividend stocks paid 8. A handful of investors did not question why the stock was paying an incredible annual income but still wanted to participate. I told them how the investment worked, regardless, and they thanked me. That’s how my reputation continued to rise in the mid-nineties.
Even in today’s environment, there are several investment vehicles that will provide an annual return of 10% or better. Well advised investors know about these opportunities and will prosper if they allocate the right fraction of their total holdings. Why anyone would abandon the age-old principles of asset allocation is a mystery to me, except to say that money can skew the senses.
So, we wait and watch, in unprecedented disbelief, while this sordid sage about a horrible caper plays out. I hope Bernard Madoff is served the maximum penalty for his crime and that his soul is redeemed.
Hudster
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