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[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  October delivered the goods October delivered 7% gains for the U.S. market (S&P 500). That topped the 5% offered in May 2021. Canadian markets, as measured by the S&P Capped Composite, returned 5% for last month. These are crazy times for most markets, as 7% would be classified as a solid year for stock markets. We received that 7% in just one month.  International developed markets, the EAFE Index, was essentially flat for the month. EAFE is an acronym for Europe, Australasia and the Far East.  As I wrote in last week’s “Making sense of the market” column, market history suggests that more solid gains are on the way for this November and December. But, of course, anything can happen with the markets, and that was admittedly a look at the seasonality of market returns—“just for fun.” (Read the column and you will see what I mean.) Markets stalled late last summer and early fall, but as I’ve often written for MoneySense, robust earnings were just the boost the markets needed. Companies on both sides of the border have been delivering very strong, and mostly consensus-beating, earnings and revenue growth in the third quarter of 2021.  This chart shows that consumer discretionary, energy and growth stocks led the way in October for U.S. stocks.  Source: S&P Global  Liz Sonders at Charles Schwab wrote about it: “You’ve Got to Earn It: Earnings Growth Strong, But Descending.” She offers some fascinating charts, looking at the year-over-year earnings trends by sector.  “Growth is expected to continue its deceleration into the first half of next year. From a sector perspective, Energy is clearly the top earnings driver—driven by the “base effects” relative to last year’s pandemic/lockdown era when oil prices briefly fell into negative territory. Aside from Energy, the highly-cyclical Materials and Industrials sectors top the rankings, with the defensive Utilities and Consumer Staples sectors bringing up the rear.” Back in July, I looked at the peak-growth rates for stocks. Peak growth does not mean “things are bad”—it signals that the best news is behind us. (That is why it’s called a “peak,” after all.) This can start to weigh on stocks as the markets are very forward thinking. These days, investors are embracing the current good news earnings story and driving markets higher.  See a few of the charts referenced above in this tweet from Sonders.  For 1st time since Jan ‘18, S&P 500, Dow, NASDAQ 100 & R2000 hit new all-time highs for 2nd straight session; Cons Discr led gains while Energy, Industrials, & Utilities fell … strong day for small caps with both Russell 2000 Value & Growth climbing ahead of large-cap cohorts pic.twitter.com/0aUutRSAp3 — Liz Ann Sonders (@LizAnnSonders) November 3, 2021 In the sector performance chart, you’ll see that inflation-friendly energy, financials, real estate and technology led the charge in 2021. And, Sonders looks for mention of valuations for U.S. stocks and a heatmap chart is referenced in this quote: “Although the forward P/E has retreated along with the surge in earnings, relative to history, it remains in the expensive zone. In fact, […] most valuation metrics are in the red zone; with the exception of those which look at equity market valuation in the context of the bond market and/or interest rates.” U.S. stocks are expensive according to Sonders, but they are cooling off a bit on that overvaluation metric. And given the returns of bonds these days, stocks look pretty good. Also known as TINA: There Is No Alternative (to stocks).  We’ll see if TINA also can stick around for November and December.  Cramer’s five unstoppable themes for the rest of the year Jim Cramer is more than just an interesting cat. A former hedge fund manager, he is now the host of the talk show Mad Money for CNBC, which is more like an American football halftime assault on the senses, with calls made in split seconds. Like with opinions around investing in bitcoin, the subject of Cramer is sure to form divisive camps of thumbs up or thumbs down.  You can make up your own mind, and we’ll keep score of Cramer’s prediction of “5 borderline unstoppable themes for the remainder of 2021.” Here they are: The future of automobiles Environment (green energy) Metaverse (the digital device world) The Cloud  Oil and gas I can’t say I disagree with the prioritizing of these five things, and those investment themes have certainly been explored in my column. I would agree with what I see as these “undeniable trends.” This isn’t rocket surgery (this malaphor is very intentional). These trends are all unfolding in obvious fashion right before our eyes.  These are more than just themes for the remainder of the year. They might be seen as long-term trends, especially number 1 through number 4. And, if you see them as long-term trends, then you might embrace each one with patience for returns over the coming decade or more—not the next two months.  Technology and the environment affect and shape this entire list. Readers will know that I’m a big fan of the oil and gas sector for my investments. And, yes, I am also a big fan of the planet: The two are not mutually exclusive. As an investor, I embrace the energy reality.  All said, we know there will be a more meaningful green energy shift in the future, and the oil and gas theme is likely to have an expiry date. At least I hope so, for the sake of the planet.  This is a good post from CNBC. And Cramer offers ideas on how to gain exposure to those themes. You’ll find many ETFs make these themes accessible to you. In Canada you might look to Evolve ETFs, Horizons and Harvest Portfolios Group to name a few.  Jonathan Chevreau, MoneySense’s investing editor-at-large, looked at Cramer’s COVID-themed stay-at-home portfolio. From my observations, the portfolio idea

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[ad_1] Coronavirus Vaccine Registration, Covid-19 India Latest Update, Coronavirus Cases in India Today, November 5 Live Updates: India registers 12,729 new cases, 221 deaths; Active cases rise marginally to 1,48,922; Recovery rate improves to 98.23%, highest since March 2020; More than 15.54 crore vaccine doses still available with states/UTs, says Centre [ad_2] Source link

[ad_1] Knowing where borrowers are at in their home-buying journey is key to any successful mortgage lending strategy, but it’s often overlooked in the busy operations of an origination shop. This session will explore how to make it easy to keep borrowers on your radar, and in your pipeline. Watch the full session below. To go back to the full HousingWire Annual 2021 on-demand page, go here. Panelists: Alex Kutsishin, CEO & Co-Founder, Sales Boomerang This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in Panel brought to you by: The post The biggest missed opportunity in mortgage lending appeared first on HousingWire. [ad_2] Source link

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Consumers will typically qualify for preferential auto refinance rates if they have “good” credit, or a FICO score of 670 or higher. However, the best rates typically go to those with “very good” credit or better, or a FICO score of 740+. When you apply to refinance your car, additional factors under consideration include your income and ability to repay, your credit score, and the details of your automobile. Some auto refinance companies have rules that dictate which cars they will or will not refinance. Make sure to check for lender automobile criteria before you apply. 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[ad_1] Yay! This book deal has finally returned! WooHoo! For the first time in two years, Amazon has *finally* brought back their infamous book deal! YAY! For a limited time, you can get $5 off a $20 printed book purchase on Amazon. The discount comes off automatically at checkout and there are over 1000 items to choose from, including many popular titles! This is a RARE offer and is a perfect time to grab some of your favorite books or a few to give as gifts! You can click on “books” on the left sidebar to see just the book titles. This offer is valid on print books only, shipped and sold by Amazon. It excludes eBooks and Audiobooks, Book Rentals, and Amazon Gift Cards. Looking for book recommendations? Here are some books included in the sale that I’ve read and enjoyed in the past: Daring Greatly — This book impacted me deeply and has forever changed how I think and live. The Giver — I absolutely loved this story and it was one of my top 10 favorite reads in 2017. The Road Back to You — If you’re interested at all in the Enneagram, I highly recommend this book as a starting place! It’s Not Supposed to Be This Way — If you’re going through a difficult time in life, this book might be a real encouragement for you. The Whole Brain Child — If you are a parent or work with kids in any capacity, I highly recommend this book to help you better love, understand, teach, and nurture the kids in your life. Get Out Of Your Head –If you struggle with insecurity, stress, frustration, or feeling like you are failing, this book is for you. If you find yourself doubting whether God is good or if He really cares about you, this book is a must read. If you feel like you are stuck, overwhelmed, or constantly frazzled, read this book. Hillbilly Elegy — I thought the book was surprising, pretty fair and balanced and a very insightful look into how our upbringing can affect our life trajectory in such a powerful way. Wonder — I couldn’t put this book down once I started it. I absolutely loved it! The Golden Goblet — This was a read aloud we didn’t want to stop reading! It’s one of our very favorites! Carry On, Mr. Bowditch — I read this book aloud to the kids and we loved it. What Alice Forgot — I really enjoyed this book and it stayed with me for months after reading it. Dear Mr. Knightley — Ever read a book that you just don’t want to end and when you finish it, you want to meet the characters in real-life? That was this book for me. Unbroken — I listened to this audiobook and now know why so many people have raved about it! Johnny Tremain — This was also another read aloud that we loved. There are also several popular children’s books to choose from: Giraffes Can’t Dance The Jesus Storybook Bible The Day the Crayons Quit Chicka Chicka Boom Boom I Love You to the Moon and Back Goodnight, Little Blue Truck Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Looking for more book recommendations or in-depth thoughts on the books above? Check out my Top Reads for 2020, 2019, 2018, 2017, 2016, and 2015. Go here to browse all of the Amazon books included in the sale. [ad_2] Source link

[ad_1] Euro zone housing cost may be adding more to inflation than thought: Holzmann [ad_2] Source link

[ad_1] Gopal Rai said that some people had intentionally asked people to burst firecrackers during the Diwali festival as the opposition was underestimating the fact that pollution increases due to the bursting of firecrackers. [ad_2] Source link

[ad_1] The consolidation of real estate brokerage and mortgage services continues as both seek out ways to combine services to offer more to consumers. Real estate brokerages have long added core services to increase profitability. Now, mortgage firms such as Rocket and Better are adding real estate brokerage services. In this panel, we talk to real estate brokerage leaders about this evolution, competition from the mortgage side and what the industry will look like going forward. Watch the full session below. To go back to the full HousingWire Annual 2021, go here. Panelists: Chris Kelly, President and CEO, Ebby Halliday Companies Christian Wallace, Head of Real Estate Services, Better Tracey Velt, Managing Editor, RealTrends Mark Johnson, CEO, JPAR – Real Estate This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post Breakout: The Evolution of the Real Estate Brokerage appeared first on HousingWire. [ad_2] Source link