Company name Intuitive Surgical, Inc.
Stock ticker ISRG
Live stock price [stckqut]ISRG[/stckqut]
P/E compared to competitors Fair

MANAGEMENT EXECUTION

Employee productivity Good
Sales growth Good
EPS growth Good
P/E growth Poor
EBIT growth Good

ANALYSIS

Confident Investor Rating Good
Target stock price (TWCA growth scenario) $840.33
Target stock price (averages with growth) $1136.3
Target stock price (averages with no growth) $786.71
Target stock price (manual assumptions) $801.77

The following company description is from Google Finance: http://www.google.com/finance?q=isrg
Intuitive Surgical, Inc. (Intuitive) designs, manufactures and markets da Vinci Surgical Systems and related instruments and accessories. A da Vinci Surgical System consists of a surgeon’s console, a patient-side cart and a vision system. The da Vinci Surgical System translates a surgeon’s natural hand movements, which are performed on instrument controls at a console, into corresponding micro-movements of instruments positioned inside the patient through small incisions, or ports. The da Vinci Surgical System is designed to provide its operating surgeon with intuitive control, range of motion, fine tissue manipulation capability and three dimensional (3-D), high-definition (HD) vision while simultaneously allowing them to work through the small ports of minimally invasive surgery (MIS). On January 11, 2012, the Company acquired its Korean distributor.

 

Confident Investor comments: At this price and at this time, I think that a Confident Investor can confidently invest in this stock.

 

Company name Oriental Financial Group Inc.
Stock ticker OFG
Live stock price [stckqut]OFG[/stckqut]
P/E compared to competitors Good
MANAGEMENT EXECUTION
Employee productivity Poor
Sales growth Poor
EPS growth Poor
P/E growth Poor
EBIT growth Good
ANALYSIS
Confident Investor Rating Poor
Target stock price (TWCA growth scenario) $5.42
Target stock price (averages with growth) $5.57
Target stock price (averages with no growth) $4.76
Target stock price (manual assumptions) $10.42

The following company description is from Google Finance: http://www.google.com/finance?q=ofg

Oriental Financial Group Inc. is a financial holding company that provides a range of banking and wealth management services through its subsidiaries. The Company operates through three business segments: banking, wealth management and treasury. As of December 31, 2010, Oriental Financial Group Inc. had 30 financial centers in Puerto Rico. The Company has four direct subsidiaries, Oriental Bank and Trust (the Bank), Oriental Financial Services Corp. (Oriental Financial Services), Oriental Insurance, Inc. (Oriental Insurance) and Caribbean Pension Consultants, Inc. (CPC). It also has a special purpose entity, Oriental Financial (PR) Statutory Trust II (the Statutory Trust II). Through these subsidiaries and its divisions, the Company provides a range of banking and wealth management services, such as mortgage, commercial and consumer lending, leasing, financial planning, insurance sales, investment banking and brokerage services, as well as corporate and individual trust services.

Confident Investor comments: At this price and at this time, I do not think that a Confident Investor can confidently invest in this stock.

Company name Lyris, Inc.
Stock ticker LYRI
Live stock price [stckqut]LYRI[/stckqut]
Confident Investor Rating Poor

The following company description is from Google Finance: http://www.google.com/finance?q=lyri

Lyris, Inc. (Lyris), is an online marketing technology company serving a range of customers from the Fortune 500 to the small and medium-sized business market. The Company?s software-as-a-service-based (SaaS) online marketing solutions and services provide customers with solutions for creating, delivering and managing online, permission-based direct marketing programs and other communications to customers who use online and mobile channels to communicate with their customers and members. The Company offers the separate individual online marketing solutions like Lyris ListManager, its licensed software product for e-mail marketing; EmailLabs, its hosted e-mail marketing software; and EmailAdvisor, its deliverability monitoring tool. It also offers as separate products ClickTracks, its Web analytics product and Lyris Hot Banana, its Web content management software. In May 2010, the Company acquired Intaface Marketing, a digital marketing consultancy.

Confident Investor comments: At this price and at this time, I do not think that a Confident Investor can confidently invest in this stock. It is not possible to confidently invest in a company that is not currently profitable.

GUEST POST BY KAREN OATES

To succeed at trading the stock market, you must be fully aware of how your mindset plays the most crucial role in your success. The stock market is driven by human emotion and unless you have control of your actions and reactions, it can be difficult to get the results you desire and it can in fact see you give up early.

Here are some useful tips on how to fortify your trading mindset.

  • Always take full responsibility for your trading decisions.
  • Successful traders make up their own minds whilst investors, as a rule simply follow the trend of the crowds
  • Consider and be open to good advice from experts, realizing that the final and ultimate decision is up to you and you alone.
  • In every trade situation, regardless of the loss or profit, focus on the learning opportunity and how well you executed your plan. Do not let the + or – signs for that trade dictate whether the trade was a good on or not.

Avoid the pitfalls of ‘over trading’ and ‘under trading.’

  • There are basically two types of over trading. Trading too often and trading too many shares/contracts.
  • Remember that there really is no good reason to trade constantly, since extreme over-trading creates stress, produces high commissions and can often lead to more losses.
  • Market forces do not last forever and time has shown various examples of the law of gravity in the trading market- that whatever comes up must go down. – and vice versa.
  • Instead of grabbing every opportunity that comes along (or thinking that it is an opportunity) make sure each trade setup meets the criteria of your trading plan, don’t be over confident or scared of making trades.
  • Utilizing a risk calculator to determine the appropriate position size before you enter a trade can help you determine how many shares/contracts you initially buy. You can start off with a small position and add as the trade continues in your favor. It relieves stress to know that the amount at risk for each position you hold is well proportioned to the size of your entire account and this is great asset management.
  • Whenever you feel that you did not stick to your trading plan and made a mistake, quickly learn from that and let it go.

Always think like a successful trader.

  • Thinking and acting as a successful trader turns you into a successful trader, since your thoughts and actions create what you get in your life.
  • Thoughts are like muscles, the ones you use the most will grow to become the strongest. Work on the thoughts you want to develop and focus on them regularly, since it has the tendency to become action, action become habits, and habits determine results.
  • Always think of success and you are much more to be on your way to success.

Finally, relax and enjoy your trading! If you don’t enjoy what you do then that will show in your results.

Having fun and enjoying at what you do is a very good motivator to give you focus on successful trading

Go have fun and make yourself some serious money!

Karen Oates is a seasoned options trader and mindset coach who excels at helping traders understand themselves and the stock market by using a ‘keep it simple’ trading plan and the mind tools of success through mastery of mindset, focus, behaviors, believes and strategies.

Karen is certified as a:
Master NLP Practitioner
Master Results Coach
Performance Consultant
Specializing in Advanced Subconscious Reprogramming and Master Hypnosis
http://www.outofmymindtrading.com

Article Source: http://EzineArticles.com/?expert=Karen_Oates

GUEST POST BY SEAN KELLY

Are you a senior citizen that is struggling to cope with your monthly expenditure and bills due to a decrease in income? Or perhaps you know a senior citizen who could be in this predicament? If yes is your answer, one solution that you might want to consider is the reverse mortgage option. Reverse mortgage may be a foreign term to many, but it is one that may help eliminate all your cash flow complications in the later portion of your life, provided you do it right. Many senior citizens have utilized reverse mortgage as a valuable and effective tool to supplement retirement incomes, and you could be one of them as well!

Nevertheless, you need to be confident that you first qualify for this solution, and that the reverse mortgage process is the option that you want to undertake to solve your cash woes. Senior reverse mortgage is basically a special loan that is only available to seniors against the equity of a home. The amount of equity in the home that you live in is converted into cash that would then be paid to you by a lender. The method of payment varies in accordance to your preference; you could opt for a lump sum payment, or the more common option of monthly payments. You could also opt to transform the equity into a line of credit that you could withdraw at any time convenient to you.

It is advisable only to consider this option if you have completely paid off your home, or you only have a small balance that you owe to your lender when you consider reverse mortgage. To qualify in terms of legality, you need to be at least 62 years old to be able to take advantage of this opportunity. How much you can borrow is determined by factors such as your age, how much your home is actually worth and the current interest rate to name a few.

Is it advisable to consider reverse mortgages for seniors? Let us look at the benefits and drawbacks of this solution first before we draw any conclusion, starting with the advantages. If you opt for the monthly payment option, you practically enhance your monthly cash flow immediately to supplement your current income. And if you have a traditional mortgage left that you have not paid off, you could probably settle that loan with the proceeds from your reverse mortgage.

In accordance to the rules of reverse mortgage, you do not have to repay the money to your lender as long as you continue to physically live in the home. Your payments are postponed until you either pass away, or you sell the home to another party. You would also probably have to repay your lender if you fail to live in your home for a year at a stretch. The lender would usually not question you about what you are about to do with the cash that you obtain, thus you are free to spend it as you see appropriate. The senior would continue to keep ownership of the home as well.

On the other hand, if you are looking to move out of your current home in the near future, the option of reverse mortgage might not be too appealing to you. This is due to the fact that you would have to repay the amount to your lender once you move out. Closing costs attached to reverse mortgages are considerably high as well, thus you might want to reconsider this option if you are planning to move out of your home in the next couple of years. And it is definitely not advisable if you are planning to invest the amount that you obtain from reverse mortgage into a risky investment venture. The loan amount is usually only a portion of the value of the home, thus you do not have the guarantee of being able to utilize all the equity that you own within the home.

In a world where pensions and social security allowances no longer support a senior citizen’s daily expenditure, the option of reverse mortgages must certainly be seriously considered.

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