The Penny Hoarder

Put away your white clothes and your barbecues, now that summer is (unofficially) over with Labor Day in the rear-view window. Most of Wall Street's attention is still on Friday's jobs report, which showed a Goldilocks-like combination of a slowing labor market but not one tail-spinning into a recession.

Analysts at BMO point out the S&P 500 earnings yield — that's earnings-to-price, rather than price-to-earnings — is now barely above the yield on the 10-year Treasury "Declining earnings yields compared to rising Treasury rates and the risk implied by the full faith and credit of the U.S. (even after the downgrade), begs the question of how long this dynamic can persist before returning to more historically typical levels either via higher earnings yields or lower 10-year yields," they say.

The initial price action on Tuesday is pointing toward the former — if stocks fall, the earnings yield rises — but for the call of the day, we'll head to the team at UBS, who say they are bullish on bonds. (The BMO team is as well; they're targeting the mid-August low in the 10-year of 3.95%.)

"Recent volatility in U.S. rates has raised the question of whether we are on the verge of a bear market for bonds. We do not share this view and think nominal yields will fall over our six- to 12-month forecast horizon for a number of reason," say the UBS team led by Mark Haefele, global wealth management chief investment officer.

First, they point to Jerome Powell and crew over at the Federal Reserve, and say monetary policy is restrictive. They note that inflation-adjusted interest rates are now positive, at levels not seen since the 2008 financial crisis, and mortgage and credit card rates are at multi-decade highs.

Next they say inflation is falling and will continue to do so. Housing inflation — though reflected in official numbers with a lag — is cooling, and goods inflation was negative in July.

Put away your white shirts and grills, since summer is (unofficially) ended with Labor Day in the rearview mirror. The majority of Wall Street's focus remains on Friday's jobs report, which revealed a Goldilocks-like combination of a slowing labor market but no tailspin into a recession.

According to BMO analysts, the S&P 500 earnings yield – earnings-to-price rather than price-to-earnings — is now just over the yield on the 10-year Treasury "Declining earnings yields compared to rising Treasury rates, as well as the risk implied by the United States' full faith and credit (even after the downgrade), beg the question of how long this dynamic can last before returning to more historically typical levels, either through higher earnings yields or lower 10-year Treasury yields."

It ropes you in to apply for a consolidation loan at the end of an article. It is bogus they are all a rip off at 30+% rates. I will never look at their crappy site again.

As strange as such examination might sound, there's a serious reason behind it. Wild honey bees are risked, Sledge says, and a few endeavors to help are making the contrary difference.

"Everybody needs to 'save the honey bees,' yet that typically implies bumble bees, which aren't at risk for going wiped out," he makes sense of. In addition, bumble bees seek food with their dwarfed cousins and can likewise spread sicknesses to them, Mallet says.

To safeguard wild pollinators, he recommends establishing more blossoms, utilizing less pesticides and making settling territories in yards - patches of diggable soil and custom made or locally acquired "honey bee lodgings," what might be compared to perching spaces.

In the mean time, back in the lab, Mallet and his group are chipping away at all that from gleam in obscurity stomach microscopic organisms (for simpler microbiome studies) to honey bee probiotics (for further developed bug wellbeing). The last option could try and lift protection from microorganisms. There's only one hang-up, Mallet says: "How would you make a honey bee take a probiotic?"

To get an auto insurance quote you give them your name, address, email, job description, etc. AND you are told that no immediate quotes are available BUT will be contacted soon. NOT what I wanted!

Do not use this service. It's waste of time. They do not provide any valuable outcome. They collect all your data and end up not sharing any information with you. But, SHARE ALL YOUR DETAILS to the point that all your PRIVACY IS LOST

The companies that The Penny Hoarder endorse are not all good. They are Rip offs
The Penny Hoarder makes all the companies sound legit. NOT! Due your due diligence, don't take their word.

After some research we found the penny hoarder to be somewhat of a scam. Let me explain myself. Probably one of their largest if not their largest online advertising Gambit is one explaining to people to follow five attributes that rich people do. I know quite a few wealthy people and asked about a dozen of them if they knew any of those items that the penny hoarder was talking about. Not only did they not know any of them, but they immediately realize that this is some type of a scam. We will let you be the judge...

Simply put, a site like the penny hoarder should tell you good advice based on the research that a company like that should do with hundreds of thousands of people. This would be similar to the Consumer Affairs Council or an organization like that. Instead, the penny hoarder sells advertising to the highest bidder which ends up being the companies that it promotes in their "articles" and they may even get a percentage of the income from those companies. One person told me that those companies have been set up by the penny hoarder, I don't know if this is true or not but why not if they are spending a ton of money on Advertising and have many affiliate marketers all over the world. I'm spending the time writing this because I am truly tired of all the b******* scammers out there in the world. When the internet first began, the information superhighway, I was excited but also extremely scared knowing that there are so many different types of ways to commit crimes, and the internet would be one of the biggest vehicles for crimes to be committed! It's very sad but true. Stay far far away from any of the advice given by the penny hoarder especially advice where they are sending you to website and you have to spend immediately money. Good luck stay strong and stay safe.