Saving, investing and making money with technology

Month: November 2014

As energy shares tumble, opportunity lurks


 People walk past the New York Stock Exchange on Wall Street, February 10, 2009. REUTERS/Eric Thayer

By Rodrigo Campos

NEW YORK (Reuters) – Shale stocks have been hard-hit as investors see margins all but evaporating following the slide in crude oil prices, but the U.S. shale energy boom is not over.

An index of oil and gas exploration and production (.SPLRCOILP) tumbled 8.15 percent on Friday as U.S. crude (CLc1) fell almost 10 percent to around $66.36 per barrel to hit its lowest in 4-1/2 years.

The slide came the day after oil cartel OPEC decided not to cut output in a meeting in Vienna. Prior to the decision, Saudi officials were reported as saying the kingdom, with its large currency reserves, was prepared to withstand oil prices as low as $70-$80 per barrel for up to a year.

But the weaker shale players may not have that long.

“We do not know if OPEC has ulterior motives to let oil prices drift lower and pinch the global (exploration and production) sector, or if reaching a consensus on cuts was just too challenging,” wrote Wells Fargo Securities in a Friday client note. “What is clear is that lower cash flows are highly likely to translate into lower E&P spending.”

U.S. crude prices were catching up to Thursday’s action in Brent (LCOc1) as markets across the United States were closed for the Thanksgiving holiday. Friday’s was a half-day session.

“We’ll wait to see the trend next week when there’s full market volume, however it’s clear that as oil prices come down there will be pressure for the weaker of the companies in the sector, particularly exploration and the ones that are highly indebted,” said Quincy Krosby, market strategist at Prudential Financial in Newark, New Jersey.

The overall energy sector of the S&P 500 fell 6.3 percent on Friday, adding to its year-to-date losses, now at 10.3 percent.

Fourteen of the sector’s more than 40 stocks are within 2 percent of a 52-week low and the sector’s weighting on the S&P 500 has dropped to single digits, closing below 8 percent after Friday’s shellacking, according to Reuters data.

Nearly 90 percent of the sector’s shares are trading below their 100-day moving average.

However, the sharp declines also create an opportunity.

“We recently moved from an underweight to a neutral weight rating in energy, so directionally we agree with the idea that this weakness is a buying opportunity, but it is very hard to tell where the bottom is,” said Tony Roth, chief investment officer at Wilmington Trust in Wilmington, Delaware.

“Crude seems to have no floor right now, and we could easily see the price drop into the low $60s.”

With the big stock price drops, others see a run to consolidation. The sector subindex is down 12 percent in 2014, with year-to-date losses of more than 20 percent in seven companies.

“I think we’ll see some healthy consolidation take place,” said Brian Jacobsen, chief portfolio strategist at Wells Fargo Funds Management in Menomonee Falls, Wisconsin.

“Some may wither on the vine, but technology has improved to make it profitable to extract at a lower price point than last year. As a result, we’ll probably see some opportunistic buying.”

Jacobsen and Krosby said the slide in oil prices and the sector’s shares does not mean the boom in the energy sector in the United States is ending, but will likely enter a new stage of development.

“The renaissance isn’t over,” said Jacobsen. “It’s just maturing.”

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I Can Change the World!: A New Exciting Children’s Book by I See Me!

i-can-change-the-world-personalized-book-4Over the years, publisher I See Me! has introduced, on the market, numerous of one-of-a-kind personalized children’s books, which have become award-winning for their striking illustrations and engaging stories that make children and parents alike see the world in a more positive light. The latest title of I See Me! is ‘I Can Change the World!’, which was written by Jennifer Dewing to inspire children to spread kindness and give back to their respective community.

This book alsoempowers children to believe in who they are and their ability to affect change around them. By collecting food, being a good friend, conducing chores, utilizing manners, and etc., a child has the ability to spread kindness and change the world. Children are our future; therefore, as a parent, one has tointroduce themto positive things that can contribute to their knowledge in order for them to be the best people they can be in this world, such as engaging books.

It has been proven, by various studies conducted by experts, that children who read enhance their intelligence, reduce mind shift gears, have greater tranquility, show improvement in analytical thinking, have an increase in vocabulary, have improvement in memory, and there is an improvement in theirwriting skills. In addition, books can help them to begin developing goals in life, especially if the book contains positive messages.

I Can Change the World! is replete with numerous of positive messages that are both inspiring and uplifting. It teaches children that change can begin to take its course with the actions of just one single person. The illustrations that this book contains, which were illustrated by Parisian artist Marie Cardouat, will have you and your child glued to every page, as they are colorful and very detail-oriented.

The I See Me! team are indeed very excited about the release of this book that they have created a social campaign called #ShareYourSmile. Using this hashtag, you can post a photo ofyour child or yourself smiling and a caption that pertains to a good deedthat your child or youperformed this year. The photo and caption can be posted on theI See Me! Pinterest, Instagram, Twitter, or Facebook page. This publisher has created an online site that will showcase every photo that is submitted:

The inspiring children’s book I Can Change the World! can be purchased on It can come personalized with your child’s name on the cover and throughout the book as well. To make it even more special, gift givers can include aprinted dedication in the beginning of the book and a photo of the child.

The mission of I See Me! is to make every child feel special…one book at a time. In addition to children books that are personalized, this publishers offers a variety of other things, such as puzzles, placemats, stickers, personalized growth charts, unique personalized gifts, and etc. For more information, feel free to visit Make sure to subscribe to their newsletter so that you can always be one of the first ones to receive promotional offers.

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COSIGN Application: An Innovative way to Make Money by Taking a Photo, Tagging it, & Sharing It

TIMLtYjYIt is not a secret that the Internet has a variety of different things to offer such as the opportunity of making money straight from the comfort of your own home. There are indeed an uncountable number of money making opportunities that one can choose to partake in, but opting to join the ones that have been the talk of the town for the last couple of years will not really produce a meaningful income, as the competition will be too grand.

At the moment, there are numerous of brand new money making opportunities that are causing a great deal of buzz on the Internet among individuals of all ages, but there is one, in particular, that is standing-out from the rest for its innovative approach that will benefit anybody who joins it no matter how popular it becomes in the future, which is what really makes it buzz-worthy:

COSIGN application:

The COSIGN application has just recently been funded by the public, and it is currently in the process of becoming established so that everybody can begin taking advantage of its many benefits. The co-founders of this innovative application are Esosa Ighodaro and Abiodun Johnson. Ms. Ighodora is a former marketing executive for Citigroup and she has a love for fashion, and Mr. Johnson is a successful engineer and entrepreneur. Both of them were fed up of seeing various products on social media networks that they’d totally liked, as they had no clue on their cost, the brand that had made them, and where to find them. For this reason, they decided to create an application that will resolve this matter while being an income source as well.

COSIGN has been considered the lifestyle application that pays. It basically rewards you for what you are more than likely doing already, every now and then, which is endorsing various products on your social media profiles. How many times have you posted a photo of a product that you just purchased or of an item that you just added to your wish list? Imagine getting paid every time somebody clicks on that image and purchases it? Well, that is what this application is all about.

Yes, this application rewards users for sharing the products that they have ‘cosigned’ on. This is definitely a brand new change to the role of word-of-mouth marketing. At the moment, there is no other application like it. The function of it is pretty easy and simple. You will simply have to take a photo of an item, such as a shirt you spied at a shop, then you would ‘tag it’ with the price, retailer, and brand name of it. After performing this action, you will share it via your social media profiles so that all of your friends can view it. If a purchase results from somebody clicking on your photo, you will earn cash and various rewards.

As soon as the co-founders made the idea of this application public, the well-known business mogul Russell Simmons partnered with them so that this application becomes the exclusive Live stream destination for his upcoming menswear runway show. Ighodaro and Johnson are already planning to formally launch the COSIGN application for both Apple and Android devices in the following months.


COSIGN will conduct photo tracking in order to provide users with all the statistics on the activity that involves their photos. You take a photo, tag an item, share it on your social media profiles, and potentially earn cash when somebody clicks on it. Anybody can do it!

COSIGN has already partnered with more than 1,200 brands and retailers across the country, such as Nordstrom’s, Walmart and Macy’s, to create a database that consists of more than thirteen million products that users can tag and upload in different categories, such as travel, drink and food, accessories and clothing, wellness and beauty, and many other categories as well.

The co-founders of this one-of-a-kind application strongly believe that word-of-mouth marketing is the number one factor that keeps retailers and brands alive. The issue here is that people don’t get compensated for spreading the word of any particular product. For this reason, this innovative application was created to basically reward normal day people, as they are one of the main endorsers of everything that sells around the globe.

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Ditto – Exceptional Eyewear For All

0About Ditto

If you love eye wear and haven’t got the time to get to the Mall then try Here you will find an array of beautiful glasses with a virtual experience. We have designed a process where you can choose your glasses online by telling us a little about your style first so we can help find the perfect pair for you.

We have a collection of designer glasses from all over the world and we have frames for just about any style that you want. Our glasses are made from the highest quality materials and our lenses have an anti-reflective and anti scratch-coating. We have the best collection of designer eyewear and all the latest brands.

A Ditto is a video that you take of your face and then record it from your webcam. You can then try on virtual eye wear to get a good idea of what the finished product will look like on you. We shape our glasses to fit both your face and head size so you will have something unique to you. You can buy risk free with free shipping and return within 30 days for a full refund if not completely satisfied.

How Ditto Works

To virtually try on your chosen glasses then you will need to use your webcam and then press the “allow” button to begin. You will then get to try on several glasses to see what ones suit your face best. It gives you an 180 degree view so you can see from all angles what you look like with the glasses on. You can also ask your friends for their personal opinion or our trained stylists for a personalized recommendation if you’re not sure what one you want.

This is a virtual way to try on many of the famous brands from Persol, Ray-Ban, Alain Mikli, Illesteva, Westward Leaning, Elizabeth and James, Selima Optique and many more. This is the modern way to try on glasses in the privacy of your own home without the crowds. So if you are looking to buy some designer glasses but haven’t got the time to go to the shops then why not try and enjoy the virtual experience!

Also you can enter to win free sunglasses for life. Take the quiz before December 11- 2014 and you’ll be entered to win two pairs of designer sunglasses every single year for the rest of your life!


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Falling inflation a worry for Europe but also the world

New 10-euro banknotes are pictured during their presentation at the Austrian national bank in Vienna January 13, 2014. REUTERS/Heinz-Peter Bader2014-11-23T093023Z_1_LYNXNPEAAM037_RTROPTP_3_EURO-FAKES_original

By Ross Finley

LONDON (Reuters) – European Central Bank President Mario Draghi has moved closer to launching sovereign debt purchases and data this week will show just how dangerously low inflation has fallen in the $13 trillion euro zone economy.

A sickly Europe has held back global economic growth for years, and now it is contributing significantly to powerful forces already dragging down inflation across the globe.

A spectacular drop in crude oil prices over the past month will be the center of discussion when ministers from the world’s top oil exporters meets in Vienna on Friday.

The key question there is whether Saudi Arabia, which signaled last month it was comfortable with lower oil prices, accelerating a plunge in the price of crude to a third since June, will stick to that view.

But rapidly-increasing U.S. oil production, coinciding with shaky demand from China and Europe, is likely to keep a lid on the price no matter what the Organisation of Petroleum Exporting Countries (OPEC) decides.

The latest Reuters poll suggests euro zone inflation relapsed to 0.3 percent in November, far from the ECB target of just below 2 percent.

“It is essential to bring back inflation to target and without delay,” Draghi said on Friday.

“Monetary policy can and will do its part to achieve this. But it is also clear that, as monetary policy works on the demand side of the economy, other policies can assist in this process – or at least not counteract it.”

After many years of austerity, Draghi and others have come around to the idea of loosening fiscal policy to invest in infrastructure. But Germany, which could best afford it, is focused on balancing its books for the first time since 1969.


Despite years of zero interest rates across mature economies and trillions of dollars worth of emergency stimulus from central banks, alarm bells are ringing worldwide.

Japan’s experiment in raising sales taxes to try to revive inflation spawned news of yet another recession.

The People’s Bank of China, which is dealing with a falling property market and an inflation rate that has tumbled to just 1.6 percent, unexpectedly cut its main interest rates for the first time in more than two years on Friday.

The ECB, with rates as low they can go, has been doing everything in its power short of printing money – an option staunchly opposed by Germany.

Yet private credit figures this week may once again fail to show any real impact from the cheap long-term loans the ECB has offered banks to lend on to businesses (ECONEZ).

Bank credit to the private sector has been contracting for more than two years and the few economists who gave a forecast expect another roughly 1 percent fall compared with a year ago.

Even if the ECB does engage in sovereign QE, it may not make much difference with euro bond yields already so low.

The main effect would be to “contribute to a further depreciation of the euro to $1.15 by end-2016 and mitigate the upward pressure on bond yields in the euro zone that is likely to result from rises in U.S. Treasury yields as the Fed tightens the reins,” wrote Melanie Debono at Capital Economics.

But a rise in U.S. Treasury yields has been part of many economists’ forecasts for years now. Despite solid growth and modest inflation – likely to be confirmed in official data next week – Treasury yields have either remained low or moved lower.

With so many central banks having eased or prepared for possible easing over the last several months, it is becoming increasingly doubtful that the Federal Reserve will raise its benchmark rate from a record low by the middle of next year.

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DealFuel: Happy Thanksgiving !!

Dear DealFueler,


Celebrate Thanksgiving this time with our Thanksgiving special freebie.

This Thanksgiving element pack contains:

  • 3D Thanksgiving Hat
  • Thanksgiving Men and Women
  • 18 Thanksgiving Buttons
  • Thanksgiving Turkeys
  • Turkey Illustration

Sneak peek into some of the elements:

Grab these Thanksgiving special elements for free!!



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Jack Templar Monster Hunter: The Templar Chronicles: Book One (review)

crop_0c33d7940a35c716ac6d74a1c25672cb20dc74b51d5400fa364c2486a8337d6a22e5b1ab250250Jack Templar Monster Hunter: a book you should read:

Science fiction and fantasy books have been immensely popular among readers of all ages, especially since J. R. R. Tolkien wrote his Hobbit and Lord of the Rings trilogy and C. S. Lewis his Chronicles of Narnia heptalogy during the middle of the twentieth century, and such recent works as the Harry Potter series have continued this tradition. One of the best modern fantasy books is Jack Templar Monster Hunter, by Jeff Gunhus, the first of a series called the Templar Chronicles, of which three subsequent books have been published already.

Overview of the plot:

Like Harry Potter, Jack Templar, who lives in the town of Sunnyvale, is an orphan who has no memory of his birth parents and has been raised by his aunt, who has given him little information about their deaths. Things are quite ordinary for him until the day before his tenth birthday, when he turns into a hero, saving his friend from bullies and even drawing the attention of the girl on whom he has a crush.

Subsequently, however, he receives a visit from a mysterious girl who tells him that he comes from a long line of monster hunters, a business in which he now finds himself. Eva — that is the girl’s name — also tells Jack that, due to a truce between the human and monster races, children are off limits until they turn fourteen. Tomorrow, therefore, a whole team of monsters is set to descend upon his town with the intent of killing him. Nor is this due to a general hatred that monsters, all of whom are known by the title of “Lord of the Crutch,” have for human beings: They have a personal grudge against Jack and want to do everything that they possibly can to make sure that his death is a slow and painful one. Learning why this is the case is the number-one question that plagues Jack throughout this volume, the essential plot of which is devoted to finding the answer thereto.

About the author:

Jeff Gunhus is a true devotee of the world of fantasy — and of writing in general. Indeed, the book discussed here came about as a result of the author’s attempt to get his son, then eleven, interested in reading! Since the publication of Monster Hunter in 2012, he has been no less passionate about helping other parents to overcome their children’s reluctance to learn how to read and write and has in fact become active in issues relating to child literacy. Mr. Gunhus has four other children and he and his wife are constantly trying to keep up with them — except, of course, during those rare quiet moments that he has, which he spends in the back of his favorite Annapolis café working on his next book.

Why you should read this book:

Jack Templar: Monster Hunter and its sequels are books that are particularly good reading for adolescence. This first book is essentially a “coming of age” story in which the protagonist-narrator learns about who he is and what he was meant to be — issues with which every teenager must deal with. Young readers will also love the casual teenage language in which the book is narrated because it enables them to identify with the main character.

I received one or more of the products mentioned above for free using Regardless, I only recommend products or services I use personally and believe will be good for my readers.

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Best Buy: Black Friday Deals Online and In Stores

best20buy20logoLet the savings begin November 27

  • Doors open at 5 p.m. Thursday
  • Shop early at
  • Early online access for My Best Buy™ members

Store hours

Thursday, November 27, 5 p.m – 1 a.m.
Friday, November 28, 8 a.m. – 10 p.m.


Shop Black Friday 2014 Deals

The 2014 Black Friday sale is the best way to save on the gifts they really want and kick off the holidays right. On November 28, 2014, our Thanksgiving doorbusters and deals on TVs, laptops, appliances, cameras, video games and more will be ready for holiday shoppers. Come in to get your hands on all the must-have electronics, gadgets, and gifts at the best prices of the year.


Black Friday deals and sale pricing on cell phones, tablets, and laptops make it easier to stay connected to friends and family during the holiday season, while great deals on appliances and home theater products will make your home the ideal holiday destination. Find all the movies, music, giftcards and accessories for everyone on your list, and capture the
magic of the season on a digital camera or camcorder.


Black Friday Deals Online and In Stores

There’s no place like Best Buy for incredible Black Friday savings; and the Best Buy deals for Black Friday 2014 will blow you away. Find Black Friday savings and doorbusters starting November 27 at, and on November 28 in our Best Buy stores nationwide. Whether you enjoy the excitement of a busy Black Friday sale at your local store, or you prefer to shop from the comfort of your home at, you’ll be sure to find great deals on the items you want.



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Powerskin Announces one cent Cyber Monday Promotion

        powerskinPopular Portable Charging Solution to Be Available for a Penny –

Regular Price of $49.99-$59.99

IRVINE, CA, – PowerSkin, a leader in portable power solutions on November -17- 2014 announced an incredible Cyber Monday promotion – consumers will be able to purchase the popular PoP’n battery pack for only a penny, plus $7.99 for shipping & handling.  The battery packs are available for Android phones and iPhone 5 & 4 and currently are available for between $49.99 and $59.99.

The offer is available to consumers in the continental United States, all day Cyber Monday, December 1 from 12:00am – 11:59pm (ET).  Orders can be placed at and the code “penny” must be entered at checkout.  There is a limit of one unit per email address and the offer is for all “PoP’n” packs with the exception of the PoP’n 2.  The chargers are available in a variety of colors including white, black, red and pink.

PoP’n portable chargers provide a strong boost of power in a completely versatile design. PoP’n is not a battery case, it’s a hybrid. Its unique design allows for quick, on the go power, only when needed. Press PoP’n right onto the back of a smooth surfaced smartphone or case, charge the phone up, pull PoP’n off and it’s ready to go! PoP’n’s slim design easily fits in a pocket, any bag, clutch, or purse and adds a bold dash of color to a phone should you want to accessorize and show your own personal style.  The PoP’n chargers feature a 10mm case and lightweight design, weighing only 3.03 ounces with 2000 mAh battery.

About PowerSkin®
PowerSkin®, is a leading provider of built-in battery cases and universal portable power solutions for popular iOS, Andriod, and Windows smartphones, tablets, and other rechargeable devices.  Their staple is sleek, modern, one-piece designs and patented innovations that fit your phone and fit your style. PowerSkin is backed by exclusive XPAL Inside™ technologies including: short circuit/overcharge protection, thermal management heat dissipation, pass-through charging (i.e.: device is charged first, followed by the case when plugged in), and flame retardant- highest industry standard UL94 v-0 rating.  Designed to be your go-to, go-anywhere, go on-and-on power source, PowerSkin® has got you – and your phone – covered. For more information, visit

About XPAL Power

XPAL Power, a subsidiary of TennRich International, is a California-based corporation with its sales and marketing team located in the United States. The TennRich design team is located in Taiwan, and the company-owned factory in Shenzhen, PRC is the first factory in China to focus on rechargeable lithium polymer batteries and is currently one of the largest manufacturers of portable power packs in Asia. The  XPAL Inside™ seal stands for quality, safety and efficiency – a guarantee that these traits are inside every product that authenticates through the XPAL verification service. XPAL Verified is an authentication process that underscores our commitment to quality, using complex algorithms to detect and transfer battery serial numbers to verify our product’s legitimacy – a safeguard customers can trust. For more information, please visit

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A Beautiful Diamond Wedding Band For The Bride

adfsr3940-1Women who want to proudly display their marital status can do so by wearing the women diamond wedding band. The band itself is made with a sparkling white gold that is easy on the eye and is paired well with other jewelry accessories, such as earring and necklaces. While the ring is available in white gold, each woman who will be wearing the wedding band can choose which precious metal color they prefer, including yellow gold or even rose gold.
On the front of the wedding band, there are several diamonds lined up together in columns. Each of the diamonds on the band has a round shape, all of which fit perfectly together on it. From the best jewelers in the world Avianne  and company .The white diamonds are the perfect size for a wedding band because they are not too large or too small. The beautiful wedding band with its clear, high-quality diamonds is available in many sizes, making it convenient for those with smaller or larger fingers who would still like to wear this timeless piece. No wedding is complete without the right ring, and this is the type of ring that women want.

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