Us Stocks Are Little Changed In Early Trading

19, 2014 8:18 p.m. ET NEW MADISON, OhioKevin Hollinger planted radishes and oats last fall in his corn and soybean fields, but he isn’t planning to harvest them. Instead, he is letting the crops die over the winter to improve the soil and keep fertilizer and other nutrients from running into nearby waterways. “I could hardly go to town without someone asking: ‘What’s that in your field?’ ” said Mr.
Source: http://online.wsj.com/news/articles/SB10001424052702304899704579391142078606468

Insider Trading Reports for Facebook, EMC, Groupon, Microsoft, Micron, and General Motors

Netflix fell 1 percent. The company is reportedly in a dispute with Verizon and other telecommunications companies over the cost of carrying Netflix’s programming through their networks. Later Wednesday the Federal Reserve will release the minutes from its most recent policy meeting. Carlyle Group, a giant private equity company, rose 5 percent after reporting earnings that easily topped analysts’ estimates.
Source: http://abcnews.go.com/Business/wireStory/us-stocks-changed-early-trading-22579255

Nonetheless, the comments from Fed policymakers caught many investors off guard. “Any time we hear ‘increase in rates,’ we listen,” said Jonathan Corpina , a trader on the floor of the New York Stock Exchange with Meridian Equity Partners . Energy stocks were among the few sectors to close higher, helped by a surge in natural gas prices. Natural gas jumped 60 cents, or 11 percent, to $6.15 per 1,000 cubic feet, the first time it’s ETF trend trading signals been over $6 in four years. Natural gas has climbed sharply this year, due in large part to the cold weather that has plagued most of the country, leading to higher-than-usual demand.
Source: http://www.sfgate.com/news/article/Stock-futures-edge-lower-in-quiet-trading-5247783.php

Stock futures edge lower in quiet trading

See theinsider trade report for EMC here. Read Full Report: http://www.Pennystocksinsiders.com/PR/021914A/EMC/EMC.pdf Groupon Inc. : /quotes/zigman/7212269/delayed/quotes/nls/grpn GRPN -2.34% By the end of last trading, the Groupon /quotes/zigman/7212269/delayed/quotes/nls/grpn GRPN -2.34% shares lost US$0.25 (or 2.38%) to US$10.26 with about 19.21 million shares exchanged hands for the session, compared to its average volume of 15.38 million shares. Pennystocksinsiders.com found company Chief Executive Officer Eric Paul Lefkofsky sold his shares at price of US$10.60 on February 13, which was part of his US$14.61 million within last three months. Want to know when company insiders will buy or sell their shares? Want to monitor this company on an on-going basis?
Source: http://www.marketwatch.com/story/insider-trading-reports-for-facebook-emc-groupon-microsoft-micron-and-general-motors-2014-02-19

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How To Stand Up To Your Student Loan Servicer

The Student Loans Company simply doesn’t know.” ‘Room for improvement’ The service that lenders received from the Student Loans Company was also criticised in the report, particularly the premium-rate phone lines used as a point of contact, and the company’s IT systems. The Department for Business, Innovation and Skills insisted it had “an effective and efficient process for collecting student loans through the tax system”. A spokesman said that system resulted in “high collection rates at a low cost which we believe demonstrates good value for money”. However the department acknowledges there is “room for improvement”. “We need to ensure that all borrowers who are earning over the relevant repayment threshold are repaying their loans including those who have moved overseas after leaving their course,” the spokesperson said.
Source: http://www.bbc.co.uk/news/education-26171742

The next step is to think about borrowing, either in the form of a federal student loan or a private student loan. Personal loans or credit cards should always be a last resort. If you or your child decide to rely on federal or private student loans to cover some of the costs of college, it is a good idea to sit down before the freshman year even begins and talk about the implications of being in debt. The Federal Student Aid website has a great explanation of student loans, and provides information about the different types of loans and dollar amounts available. Stress to your student that any money borrowed through student loans is only to be used for education purposes. This money should not be diverted to entertainment or living expenses.
Source: http://www.huffingtonpost.com/jodi-okun/what-parents-should-teach_b_4804920.html

Are Student Loans Worth the Debt?

December rolled around, and again, no auto-debit occurred. She didnt notice as quickly this time but went online to pay the loan late. Document Everything Next, Boehm found out her loan went into forbearance , pushing her next payment to February. This was in December, and at this point she had started printing every bit of information that popped up when trying to manage her loan. Even while payments are suspended due to forbearance, the loan accrues interest, and Boehm saw her monthly payment jump $50.
Source: http://finance.yahoo.com/news/stand-student-loan-servicer-130035421.html

If debt is concentrated among high-income students, the economic drag will be less than if it is concentrated among the poor or middle class. Looking at public four-year institutions, the problem of debt is distributed all across the income ladder. Nearly 70 percent of all college graduates with a bachelors degree from a public institution have student loan debt. As Pell Grants have failed to keep up with the cost of college, more low-income students are relying on loans to pay for school. According to data from the Department of Education , 44% of all dependent undergraduate students in 2012 from families with less than $30,000 in income had student loan debt levels of more than $12,400.
Source: http://www.forbes.com/sites/joshfreedman/2014/02/11/student-loans-are-a-big-drag-on-the-economy-and-society/

More private student lenders are offering refinance options for borrowers, following months of government pressure. Tue Feb 18 17:57:17 EST 2014 Comments SHARE Following months of increasing pressure from the federal government, more private lenders are beginning to offer options for borrowers to refinance their studentloans at lower interest rates. In the last month, two of the largest private student lenders RBS Citizens Financial Group, which operates both Citizens Bank and Charter One Bank, andDiscover Financial Services have announced that they will give borrowers the option to consolidate and refinance their student loans.Unlike federal student loans, private loans typically come at a higher interest rate and have less flexible repayment options. Due to those complications, many private student loan borrowers struggle to make their payments and often end up defaulting on their loans. According to an estimate from the Consumer Financial Protection Bureau, as many as 850,000 private student loans worth a total of more than $8.1 billion are in default.
Source: http://www.usnews.com/news/articles/2014/02/18/private-student-lenders-respond-to-government-pressure-expand-refinance-options

The report found that student debt remains the second largest source of household debt behind mortgages. The results are sure to add to the alarm about how the student loan burden could hurt housing recovery. A senior official at the Consumer Financial Protection Bureau recently warned that rising student loan debt may prove to be one of the more painful aftershocks of the Great Recession. Overall, consumer debt, including mortgages, auto loans and credit cards, increased by $241 billion during the fourth quarter of last year the largest quarter to quarter jump since the third quarter of 2007. Student debt increased to $1.08 trillion, up $53 billion in the last quarter of 2013 compared to the previous quarter. One fear is that the growing student loan debt burden is hobbling the recovery of the housing market, which is a key drive of economic growth.
Source: http://www.washingtonpost.com/blogs/wonkblog/wp/2014/02/18/student-debt-is-terrible-in-charts/

Chidambaram said Rs 2,600 crore will be transferred to Canara Bank, the nodal bank managing the interest subsidy scheme on educational loans. He said the interest subsidy scheme was introduced in 2009-10 for education loans disbursed after April 1, 2009, source while students who had borrowed prior to that date deserve some relief. According to him, the education loan portfolio of nationalised banks as Dec 31, 2013, stands around Rs 57,700 crore in 2,570,254 accounts. On Sunday, the DMK tried to attract around 25 lakh educational loan borrowers by demanding writing off of educational loans. With the educational loan portfolio growing and bank officials not managing the scheme as per the guidelines, students are put to great difficulty in getting the loans, interest subsidy and other things.
Source: http://timesofindia.indiatimes.com/home/education/news/Chidambaram-woos-students-for-education-loans/articleshow/30561454.cms

– As the U.S. economy improves, there’s a new threat on the horizon. It’s the soaring amount of student loans. Correspondent Kai Jackson reports, experts say the debt is so large it could have a ripple effect that will be felt across the country. Going to college is embedded in the American Dream.
Source: http://www.cbs12.com/news/top-stories/stories/vid_13334.shtml

Jim Cramer’s 10 Step Checklist To Picking Winning Growth Stocks

which stocks to buy currently

And he’s ready to do it again. You can uncover his scientific approach to crushing the market and his six carefully chosen picks for ultimate growth instantly, because he’s making this premium report free for you today. Click here now for access. Dave Koppenheffer has no position in any stocks mentioned.
Source: http://www.fool.com/investing/general/2014/02/16/jim-kramers-10-steps-to-picking-winning-growth-sto.aspx

Stocks are far less risky than you think

CEO Meg Whitman, who took over in October 2012, has made some big changes at the company to cut costs. But they have yet to lead to significant revenue growth. Momentum darlings Priceline.com ( PCLN , Fortune 500 ) and Tesla ( TSLA ) are also opening their books to investors this week. Gold shines while Bitcoin tanks The Federal Reserve will also be in focus.
Source: http://money.cnn.com/2014/02/16/investing/stock-market-lookahead/index.html

Worst over for stocks? Depends on earnings

sp500 ytd

The Standard & Poors 500 Index gained 0.5 percent on Feb. 14 as earnings overshadowed weaker-than-estimated U.S. jobs and factory data last week. The U.S.
Source: http://www.bloomberg.com/news/2014-02-17/asian-stocks-gain-for-eighth-time-in-nine-days-after-china-data.html

Asian Stocks Gain for Eighth Time in Nine Days After China Data

As Blanchett noted on my radio show this week, I wouldnt recommend just going out and buying [General Electric] /quotes/zigman/227468/delayed/quotes/nls/ge GE +1.18% , Id recommend buying a broad index. There are a lot of reasons why some investors, intuitively, believe that stocks are inherently more risky the longer you stick with them. For starters, there is the idea that the longer you stick with a portfolio, the more market gyrations, downturns and corrections you will live through. Youre strapping yourself to the market rollercoaster, which does not guarantee that it will be upor even back to your starting pointwhen the time comes that you have to get off. Click to Play Is ‘buy and hold’ the best investing strategy?
Source: http://www.marketwatch.com/story/stocks-are-far-less-risky-than-you-think-2014-02-14

Stocks Get Back in Rally Mode

“Consumer activity is somewhat affected by weather, so demand will recover in the next quarter,” said Natalie Trunow, chief investment officer for equities at Calvert Investments, which manages $13 billion. “Long term, it doesn’t look so bad in the U.S.” The yield on the 10-year Treasury note edged lower to 2.736%, as prices rose. Gold gained 0.4% to settle at $1,300.40 a troy ounce, a high for the year, while crude oil slipped two cents to settle at $100.35 a barrel. The dollar lost ground against the yen and euro.
Source: http://online.wsj.com/news/articles/SB10001424052702304703804579380631392597664