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May 12, 2009 Alert: today for the 1st time SP looks at:

Recap of Thursday’s Stock Market Action US Stocks found their direction early in the session as trader surveyed the weekly jobs date. The weekly initial claims topped expectations and came in at 637,000, but is did not seem to challenge the Bulls too much. Shares of retailers held on to a bit of their early move and finished + 0.3% in the Green. The Financials lead the broad market all day after recovering from some selling pressure early in the session also closing in the Green with a 4% gain on the day. The big multiline insurers led gains in the financial sector as they recovered from rating concerns on Wednesday. Moody's has put Bank of America's (BAC 11.31, +0.30) financial strength on review for possible Upgrade. Energy stocks also closed in the Green with a + 0.3% gain on a rebound in Crude Oil prices that settled 1.0% higher at US$58.62bbl. Of the 10 major sectors in the S&P 500, only the utilities sector closed lower; it shed 0.4% amid weakness in electric utilities stocks (-0.8%). At the close: DJIA +46.43, the NAS +25.02, R2K +1.9% and the S& P500 +9.15 Stats: NAS Adv/Vol/Dec 1825/2.55B/838 NYSE Adv/Vol/Dec 2172/1.52B/847

Featured Stocks to Watch Today As Earnings Season Winds Down American International Group, Inc. (AIG), Apple Inc. (AAPL), Bank of America Corporation (BAC), Citigroup, Inc.(C), Exxon Mobil Corp (XOM), National Corp. (LNC), HSBC HLDG (HBC), Lincoln National Corp. (LNC), and Wal-Mart Stores, Inc. (WMT),

American International Group, Inc. (AIG) Up-date 18


May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s have a look at American International Group, Inc. (AIG), one of the World's largest insurance firms, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Bullish; in the near term Bullish, mid-term Bullish, and long term Very Bullish.

**Chart by: http://www.stockta.com Latest News: AIG's Fed Borrowings Have Risen http://online.wsj.com/article/SB124234630338721863.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close

1.84 +. 24

Volume 129,337,000/shrs

There is a Homing Pigeon on May 8 and two Gaps open up between Mar 16, and May 5, 2009 at .


51/1.56, the near term resistance is 2.01, support is 1.74, and the 50 day (EMA) exponential moving average is 1.42. This is American International Group, Inc. (AIG): the Company through its subsidiaries provides insurance and financial services in the United States and internationally. It operates in four segments: General Insurance, Life Insurance and Retirement Services, Financial Services, and Asset Management. The General Insurance segment underwrites various business insurance products, including large commercial or industrial property insurance, excess liability, inland marine, environmental, workers compensation, and excess and umbrella coverage’s. This segment also offers various specialized forms of insurance, such as aviation, accident and health, equipment breakdown, directors and officers liability, difference-in-conditions, kidnap-ransom, export credit and political risk, and professional errors and omissions coverage’s. In addition, it provides property and casualty reinsurance products to insurers; automobile insurance products; residential mortgage guaranty insurance products; and second-lien and private student loan guaranty insurance products. The Life Insurance and Retirement Services segment offers individual and group life, payout annuities, endowment, and accident and health policies, as well as retirement savings products consisting of fixed and variable annuities. The Financial Services segment provides aircraft and equipment leasing, capital market transactions, consumer finance, and insurance premium financing. The Asset Management segment operations comprise investment-related services and investment products, including institutional and retail asset management, broker-dealer services, and spread-based investment products. The company was founded in 1967 and is based in New York, New York. Competitive Landscape Demand is driven by demographics and commercial transactions. The profitability of individual companies depends on effective marketing and on the ability to accurately estimate future payments. Large companies have big economies of scale in administration and in access to capital. Small companies can compete successfully by specializing in particular products or industries. Insurance Carriers Industry Forecast The output of US insurance, which is an indicator for insurance carriers, is forecast to grow at an annual compounded rate of 1 % between 2008 and 2013. Data Sourced: December 2008 American International Group, Inc. (HQ) Chairman of AIG Investments and Chief Exec. of AIG Investments Win Jay Neuger CFA 70 Pine Street New York, NY 10270 United States Phone: 212-770-3099 Fax: 212-425-3499 http://www.aig.com AIG Subsidiaries

21st Century Insurance Company AIG American General Life Companies AIG Annuity Insurance Company


AAPL Inc. (AAPL) Up-date 30 May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s look at Apple, Inc. (AAPL) , one of the World’s most innovative computer/gadget companies, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Neutral: in the near term Neutral, mid-term Neutral, and long term Very Bullish.

**Chart by: http://www.stockta.com Latest News: Financials, Tech Boost Stocks http://online.wsj.com/article/SB124229917726119097.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 122.95

+ 3.46

Volume 15,968,800/shrs


There is a DOJI on May 8 and four Gaps open up between Mar 11 and Apr 16, 2009 at 89.17/118.79, the near term resistance is at 125.65, support at 118.52, and the 50 day exponential moving average is 116.12. This is Apple, Inc. (AAPL): Apple, the world’s computer/gadget innovator has caused a revolution in personal computing and digital media distribution. The company's desktop and laptop computers feature its OS X operating system, they include its Mac mini, iMac, and MacBook for the consumer and education markets, and powerful Mac Pro and MacBook Pro for high end consumers and professionals involved in design and publishing. Apple posted a huge success with its iPod digital music players, and iTunes, its online music store. Other Apple products: iPhone mobile phones, Xserve, servers, Airport, wireless networking equipment, plus publishing and multimedia software. Apple’s FileMaker sub provides database software. Apple, Inc. ranks #103 in the Fortune 500 Companies List. The Competitive Landscape Computer product demand is directly tied to consumer and business income. The profitability of individual computer companies depends on purchasing and production efficiencies, and on technological expertise. Large companies have economies of scale in purchasing and production. Small companies can compete successfully by specializing in certain products or by developing superior technology. The industry is capital-intensive and highly automated: annual revenue per employee is about US$500,000. The output of US computer manufacturing is forecast to grow at an annual compounded rate of 4.7 % between 2008 and 2013. Apple, Inc. (HQ) Steven P. (Steve) Jobs, CEO and Director 1 Infinite Loop Cupertino, CA 95014 United States http://www.apple.com

Apple Subsidiaries Apple Computer (UK) Limited FileMaker, Inc

Bank of America Corporation (BAC) Up-date 42


May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s look at Bank of America Corporation (BAC), one of the USA’s Big 3 troubled banks, from a Technical POV. The overall analysis after Monday’s (May 14, 2009) market action is Bullish: in the near term Bullish, mid-term Bullish, and long term Bullish.

**Chart by: http://www.stockta.com Latest News: BofA Urged by Regulators to Revamp Board of Directors http://online.wsj.com/article/SB124235572006122687.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 11.31

+ .30

Volume 440,431,300/shrs

There is a Homing Pigeon on May 8, and a Gap open up on May 10, 2009 at 3.77/4.20, the near term resistance is 11.98, support at 10.65, and the 50 day (EMA) exponential moving average is 9.31


This is Bank of America Corporation: B of A is one of the USA’s three largest banks in the US by assets boasting the country's largest retail branch networks, with more than 6,100 locations covering some 30 states Coast to Coast. Its core services include consumer and small business banking, credit cards, asset management, mortgage loan services, wealth management, investment banking and retail stock brokerage. In early 2009 Bank of America paid about US$50B in stock the once mighty Merrill Lynch. The Competitive Landscape Demand for banking services is tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing, operations, and risk management. Large economies of scale exist in most segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully where customer service or knowledge of the local market is important. The US banking industry is capital-intensive and highly automated: annual revenue per employee is close to US$300,000. Bank of America Corporation (HQ) Chairman, President, and CEO Kenneth D. (Ken) Lewis 100 N. Tryon St. Bank of America Corporate Center Charlotte, NC 28255 United States Phone: 704-386-5681 Fax: 704-386-6699 http://www.bankofamerica.com

Bank of America Subsidiaries

BA Merchant Services LLC Banc of America Investment Services, Inc. Banc of America Securities LLC CountryWide Mortgage Merrill Lynch

Citigroup, Inc. (C) Up-date 46 May 15, 2009


Paul A. Ebeling, Jr. Analyst Today, let’s look at Citigroup, Inc.(C), perhaps the largest financial services company in the world (now dismantling), from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Neutral: in the near term Neutral, mid-term Bullish, and long term Neutral.

**Chart by: http://www.stockta.com Latest News: J.P. Morgan, Citi Gain as Wal-Mart Slips http://online.wsj.com/article/SB124234294865021397.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 3.55

+ .14

Volume 401,156,500/shrs

There is a Homing Pigeon on May 8 and two Gaps open up between Mar 11 & May 5, 2009 at 1.45/3.26, the near term resistance is 3.72, support 2.74, and the 50 day (EMA) exponential moving average is 3.24. This is Citigroup, Inc. (C): Citi is perhaps the largest financial services firms on the planet, Citigroup, AKA Citi, has about 3,000 bank branches and consumer finance offices in the US and Canada, + more


than 2,000 additional locations in a 100 other countries. Citi is the first US bank to come with more than US$1T in assets, Citi offers deposits and loans, mainly through Citibank, investment banking, brokerage, wealth management, alternative investments, and other financial services. Former CEO Chuck Prince resigned in 2007 as Citi deals with some $60 billion in write downs and losses on mortgagerelated securities and other investments. Robert Rubin, Key Advisor/Director recently announced his resignation. The Competitive Landscape Demand for banking services is tied to economic activity and interest rates levels. The profitability of individual banks depends on marketing, efficient operations, and competent risk management. Large economies of scale exist in some segments of the industry, which has experienced consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is about US$300,000 Banks and Credit Unions Industry Forecast The output of US banks and credit unions growth forecast is a question. Industries Where Citigroup Competes Banking Money Center Banks (primary) Financial Services Asset Management Investment Banking Lending

Citigroup, Inc. (HQ) Chief Exec. Officer, Director Vikram S. Pandit 399 Park Ave. New York, NY 10043 United States Phone: 212-559-1000 Toll Free: 800-285-3000 http://www.citigroup.com

Citigroup Subsidiaries and Affiliates Grupo Financiero Banamex, S.A. de C.V. Bank Handlowy w Warszawie S.A. Citi Commerce Solutions

Exxon Mobil Corp. (XOM) Up-date 3 May 15, 2009 Paul A. Ebeling, Jr. Analyst Dear Reader,


Let’s have a look at Exxon Mobil Corp (XOM), the World's largest integrated oil company, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Neutral: in the near term Neutral, mid-term Neutral, and long term Neutral.

**Chart by: http://www.stockta.com Latest News: Exxon Mobil, Bank of America: Money Flow Leaders (XOM, BAC) http://online.wsj.com/article/SB124233278344420515.html?ru=yahoo#mod=yahoo_hs

Thursday’s Market Action Close 69.76

- .01

Volume 21,298,000/shrs

There is Dragon Fly DOJI on May 14, 2009 and four Gaps open down between Dec 18, 2008 and Feb 27, 2009 at 81.06/70.23, the near term resistance is 70.12, support at 68.71, and the 50 day (EMA) exponential moving average is 69.06.


This is Exxon Mobil Corp (XOM): the Company engages in the exploration, production, transportation, and sale of crude oil and natural gas. It also engages in the manufacture of petroleum products, and transportation and sale of crude oil, natural gas, and petroleum products. The company manufactures and markets commodity petrochemicals, including olefins, aromatics, polyethylene and polypropylene plastics, and other specialty products. Exxon Mobil also has interests in electric power generation facilities. As of December 31, 2007, it had 7744 millions of barrels of liquid proved reserves, and 32,610 billions of cubic feet of proved reserves of natural gas. Exxon Mobil also operated 16,797 gross wells. The company operates in the United States, Canada, Europe, Africa, Asia-Pacific, the Middle East, Russia/Caspian region, and South America. Exxon Mobil was founded in 1870. The company was formerly known as Exxon Corporation and changed its name to Exxon Mobil Corporation in 199 Competitive Landscape Demand depends on the overall strength of the US economy, because most industrial chemicals are used in the manufacture of more-complicated products like fibers, plastics, paints, and paper. The profitability of individual companies is closely linked to efficient operations, because most products are commodities. Big producers have large economies of scale in production, which is why some chemicals are made by just a handful of companies. Small companies can compete effectively by making specialized or highlypurified products. The industry is highly automated: average annual revenue per employee is over US$600,000. Exxon Mobil Corp (HQ) Chairman, Chief Exec. Officer & President Rex W. Tillerson 5959 Las Colinas Boulevard Irving, TX 75039-2298 United States Phone: 972-444-1000 Fax: 972-444-1348 http://www.exxonmobil.com

Exxon Subsidiaries Aera Energy LLC Esso Petroleum Company, Limited ExxonMobil Chemical Company

Lincoln National Corp. (LNC) Up-date 3 May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s look at Lincoln National Corp. (LNC), the financial services company named for “Honest Abe” Lincoln, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action


is Bullish; in the near term Bullish, mid-term Bullish, and long term Bullish.

**Chart by: http://www.stockta.com Latest News: U.S. Slates US$22B for Insurers From TARP http://online.wsj.com/article/SB124234565889921705.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 16.24

+ 1.82

Volume 15,339,500shrs

There is a Bullish Engulfing Candle on May 14, a Gap open up on Apr 8 at 7.51/8.60 and four Gaps open down between Oct 22, 2008 and Mar 30, 2009 at 24.51/8.51, the near term resistance is 17.18, support at 16.18, and the 50 day (EMA) exponential moving average is 11.81. This is Lincoln National Corp. (LNC): The Company operates as Lincoln Financial Group, provides retirement planning and life insurance to individuals and employers in the form of annuities and a variety of life insurance products. It sells through such subsidiaries as Lincoln National Life Insurance and Lincoln Life & Annuity Company of New York. The company is also active in the investment management business, offering individual and institutional clients such financial services as pension plans, trusts, and


mutual funds through Delaware Investments and other subsidiaries. Competitive Landscape Demand is driven by demographics and commercial transactions. Demand is also driven by legal or financial requirements. Consumers are usually required by states to buy auto insurance and by lenders to buy homeowners insurance, for example. The profitability of individual companies depends on effective marketing and on the ability to accurately estimate future payments. Large companies have big economies of scale in administration and in access to capital, as well as advertising and marketing. Small companies can compete successfully by specializing in particular products or industries. Average annual revenue per worker is around US$400,000, so the industry is not labor-intensive. Insurance Carriers Industry Forecast The output of US insurance, which is an indicator for insurance carriers, is forecast to grow at an annual compounded rate of 1 % between 2008 and 2013. Data Sourced: December 2008 Lincoln National Corp. (HQ) Chief Exec. Officer, Pres, Director Dennis R. Glass 150 North Radnor Chester Road Radnor, PA 19087 United States Phone: 484-583-1400 http://www.lnc.com

HSBC HLDG (HBC) Up-date 1 May 15, 2009 Paul A. Ebeling, Jr. Analyst Today, let’s look at HSBC HLDG (HBC), on of the world’s top banking institutions, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Bullish: in the near term Bullish, mid-term Neutral, and long term Very Bullish.


**Chart by: http://www.stockta.com Latest News: HSBC, Citigroup and Others Score Profits in China, Helping Offset Broader Industry Troubles http://online.wsj.com/article/SB124223786854516053.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 41.11 + .66 Volume 3,479,200/shrs There are eight Gaps open up between Mar 31 and May 6, 2009 at 27.00/40.40, the near term resistance is 45.13, support is 38.59, and the 50 day (EMA) exponential moving average is 36.15. This is HSBC HLDG (HBC): The Hong Kong and Shanghai Banking Corporation, and, despite its name, it is of Scottish origin. HSBC Holding has been able to establish its place in the sun in the banking and finance sectors. This British institution is one of the major establishments in Great Britain and is one of the “big boys” on the world stage, its presence symbolized by the successive buyouts of the Republic National Bank of New York and more recently CCF (Crédit Commercial de France). It has almost 7000 branches in 81 countries in Europe, the Middle East, Asia and the American continent. Divided into several branches, HSBC Holding offers a broad range of services: Private Banking: private banking, namely asset and wealth management for wealthy individuals. Personal Banking: retail banking, current


account services, consumer and property loans, savings, insurance and pensions for private individuals, without forgetting consumer credit, all the more important since the buying of the American company Household, one of the main specialists in the field in the United States, with more than 50 million customers (n°3 in credit card, n°4 in credit insurance).Commercial banking: commercial banking and financial services for businesses, including financing, factoring and cash management amongst others. Corporate and Institutional Banking: advice to businesses in the fields of mergers and acquisitions, joint ventures and capital-intensive partnerships at the international level. This range of services also includes financing for the afore-mentioned activities. Investment Banking and Markets: investment activity in its own name (on its own account) and trading activity on the world financial markets. Hexagon: on-line banking services. Far from stopping there, HSBC now endeavors to acquire the financial services provider (consumer credits, real estate and car) Household International which, with 53 million customers, is the unquestioned leader in its sector in the United States. A challenge often tried but never performed by a European group. Competitive Landscape Demand for banking services is closely tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing skills, efficient operations, and good risk management. Large economies of scale exist in some segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is close to US$300,000. Banks and Credit Unions Industry Forecast The output of US and international banks and credit unions is forecast to grow at an annual compounded rate of 1% between 2008 and 2013. Data Sourced: December 2008 HSBC HLDG (HG) Group Chairman, Stephen K. Green #10 Lower Thames Street London, EC3R 6AE United Kingdom Phone: +44 (0) 20 7260 7255 Fax: +44 (0) 20 7260 9041 www.hsbc.com

HSBC Holdings Subsidiaries The Bank of Bermuda Limited Grupo Financiero HSBC, S.A. de C.V. Hang Seng Bank Limited

MetLife, Inc. (MET) Up-date 2 May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s look at MetLife, Inc. (MET), one of the USA’s largest insurers, from a Technical POV. The overall analysis after Thursday’s (May14 2009) market action is Bullish: in the near term Neutral, midterm Bullish, and long term Bullish.


**Chart by: http://www.stockta.com Latest News: Treasury confirms The Hartford, Prudential, Lincoln Financial get preliminary OK for funds http://finance.yahoo.com/news/Insurers-get-preliminary-OK-apf-15253572.html?.v=3 Thursday’s Market Action Close 30.49

+1.71

Volume 14,172,600/shrs

There is one Gap open up on Apr 2, 2009 at 23.60/24.43, the near term resistance is 28.69, support at 30.88, and the 50 day (EMA) exponential moving average is 27.30 This is MetLife (MET): Its first name stands for "metropolitan," but the company may be found in villages, towns, and huge cities coast-to-coast and then some. MetLife is one of the US's largest insurers; its flagship insurance subsidiary is Metropolitan Life Insurance Company. MetLife's Institutional segment offers group benefits products (life and disability insurance retirement products, prepaid legal plans); its Individual segment offers consumers many of the same types of products, while its International segment offers the same to groups and individuals in the Asia/Pacific region, Europe, and Latin America . The Competitive Landscape


Demand is driven by demographics and commercial transactions. The profitability of individual companies depends on effective marketing and on the ability to accurately estimate future payments. Large companies have big economies of scale in administration and in access to capital. Small companies can compete successfully by specializing in particular products or industries. Insurance Carriers Industry Forecast The output of US insurance, which is an indicator for insurance carriers, is forecast to grow at an annual compounded rate of 4.6 % between 2008 and 2013.

MetLife, Inc. (HQ) Chairman, President, and CEO C. Robert (Rob) Henrikson 200 Park Ave. New York, NY 10166-0188 United States Phone: 212-578-2211 Fax: 212-578-3320 Toll Free: 800-638-5433

http://www.metlife.com

MetLife Subsidiaries MetLife Life and Annuity Company of Connecticut Metropolitan Property and Casualty Insurance Company New England Life Insurance Company

Wal-Mart Stores, Inc. (WMT) Up-date 13 May 15, 2009 Paul A. Ebeling, Jr. Analyst Today let’s look at Wal-Mart Stores, Inc. (WMT), the World's #1 retailer, from a Technical POV. The overall analysis after Thursday’s (May 14, 2009) market action is Neutral: in the near term Neutral, midterm Bullish, and long term Bullish.


**Chart by: www.stockta.com Latest News: As Rivals Fall, Wal-Mart, Kohl's Gain Market Share http://online.wsj.com/article/SB124229721868719089.html?ru=yahoo#mod=yahoo_hs Thursday’s Market Action Close 49.10 - .93

Volume 23,330,600/shrs

The is a Hammer on May 13 three Gaps open down between Jan 8 and May 13, 2009 at 55.06/50.30, the near term resistance is 50.41, support at 47.53, and the 50 day (EMA) exponential moving average is 50.32. This is Wal-Mart Stores, Inc. (WMT): Wal-Mart Stores is an irresistible (or at least unavoidable) retail force that has yet to meet any immovable objects. Bigger than Europe's Carrefour, Tesco, and Metro AG combined, it is the world's #1 retailer, with more than 7,250 stores, including about 975 discount stores, 2,800 combination discount and grocery stores (Wal-Mart Supercenters in the US and ASDA in the UK), and 590 warehouse stores (SAM'S CLUB). About 55% of its stores are in the US, but Wal-Mart continues expanding internationally; it is the #1 retailer in Canada and Mexico and it has operations in Asia (where it owns a 95% stake in Japanese retailer SEIYU), Europe, and South America. Founder Sam Walton's heirs own about 40% of Wal-Mart. I have never been in a Wal-Mart Store, though I have been in Carreforur’s


and Tesco. The Competitive Landscape Demand depends mainly on the volume of car driving, which in turn depends on economic activity. The profitability of individual stores is closely linked to location and product mix. Large companies have advantages in buying gasoline at bulk prices, but small companies can compete effectively by having superior locations. Annual revenue per worker is close to US$300,000. Wal-Mart Stores, Inc. (HQ) Chairman S. Robson (Rob) Walton 702 SW 8th St. Bentonville, AR 72716 United States Phone: 479-273-4000 Fax: 479-277-1830 http://www.walmartstores.com Wal-Mart Subsidiaries ASDA Group Limited SAM'S CLUB Wal-Mart Brazil

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AAPL, AIG, BOA, C, XOM, LNC, HBC, MET and WMT  

AAPL, AIG, BOA, C, XOM, LNC, HBC, MET and WMT