Saving, investing and making money with technology

Month: December 2014

On Wall Street, 2014 is ending just as 2013 did. A January warning?

Yahoo Finance

As a fresh year approaches, a strong fourth-quarter rally carries stocks to a new high as December ends, economists are projecting the economy will lift off and investors grow enthusiastic about further upside in the coming year – even as they anticipate higher interest rates.

That’s how 2013 finished up – and also the way the current year is closing.

What makes this more than a simple seasonal curiosity is the fact that the upbeat close to 2013 was followed by a rude and jarring New Year’s market decline that sank the Standard & Poor’s 500 index by nearly 6% in a month.

As I discuss with Yahoo Finance’s Rick Newman in the accompanying video, the synchronicities in market conditions this year compared with a year ago are striking:

-From its low following an early October pullback, the S&P 500 this year is up 11.9%. From the October 2013 low, the index climbed 11.7% through year-end. In both cases, there was a powerful surge forming a “V” bottom in October, followed by a slight pullback in early December and a somnolent upward drift in each year’s final weeks.

The rebound in equities brought the attendant collapse in demand for downside protection and traders’ expectations of volatility. The CBOE S&P 500 Volatility Index fell from 21 to below 14 in the late-2013 rally, and in recent months has dropped from 25 to around 15.

-Retail investor sentiment has brightened to the same sunny levels as a year ago. In the latest weekly survey by the American Association of Individual Investors, 50% were bullish on stocks versus only 19% bearish. A year ago, that split was 49% to 21%.

Reflecting the recent upbeat mood, investors poured $34.5 billion into equity mutual and exchange-traded funds, the most in Thomson Reuters Lipper’s database dating to 1992.

-Wall Street pros are also striking a familiar tone of near-universal (if not overly aggressive) optimism toward the American economy and stocks, while predicting (yet again) that Treasury bonds will lose favor and interest rates will climb.

The average forecast for stocks in 2015 – a year when the bull market will most likely turn six years old – is for around a 10% gain. A year ago, investment firm strategists were a bit more cautious, looking for around 6%, or about half the upside that 2014 is poised to deliver.

Déjà vu, or never mind?

Does the similar arrangement of market conditions and investor expectations this year and last imply that we’re set up for another early-year flop?

Nothing says this must happen. And now that the echoes of last year are being discussed, it may diminish the chances for an exact replay.

But when markets drift higher and complacency grows, the odds rise for some adverse rush of news to unsettle the comfortable consensus with a short-term setback.

This is what happened last January, when a blissed-out market was hit by a storm-struck deep freeze that snarled business activity, a mini-panic in emerging markets and a spate of downbeat profit reports from big U.S. companies.

The overbought market sold off hard before bottoming in the first days of February, down 5.8%. While the S&P 500 recovered to put in another nice return for the full year, the index was near the flat line for several months and smaller stocks struggled until this week to get even for the year. (Of course, stocks were up nearly 30% in 2013 versus around 13% this year, so perhaps there is less “froth” to be skimmed away as 2015 begins.)

Among the factors that argue against another jarring “growth scare” is the fact that the U.S. economy truly does have more momentum than it did a year ago.

There are 2.9 million more Americans working today than in December 2013, energy prices have tumbled, consumer confidence rose to a seven-year high, wage growth seems finally to be percolating and U.S. companies have maintained lush profit margins.

Perhaps we’re entitled, at last, to a “belief phase” of this bull market — a stretch of time when good news for the economy is good for stocks and obvious improvement in the economy enriches confident investors.

In this context, another quick shakeout in which stocks pull back hard without a lasting disturbance to the economic fundamentals would probably be the healthiest and most welcome outcome for long-term investors early in 2015.

In need of a ‘new story’

For this to happen, a new prevailing “story” animating the market probably needs to take hold. Instead of stocks simply being dragged higher by their value relative to low-yield corporate bonds, aggressive share buybacks by companies and abiding hope for more central-bank largesse, organic consumer-driven top-line growth will need to kick in.

Since the fall, consumer-geared stocks such as restaurant chains and retailers have indeed performed well, hinting that such a shift is at least tentatively underway.

In a dream scenario making the rounds, we’re in for a melt-up phase in which markets get more volatile but a humming economy, raging corporate deal-making and belated public excitement over stocks drives the market steeply higher and (eventually) invites a bubbly endgame.

Yet it’s worth recognizing just how far equity values have come in rising more than 200% since March 2009 on the strength of a slowly improving economy and copious cheap liquidity, leaving the S&P 500 trading at a heady price-earnings multiple of 20 based on the past year’s reported results. It shouldn’t come as a shock if the economy outperforms stocks for a while after several years of the reverse being true.

As Michael Hartnett, BofA Merrill Lynch chief investment strategist writes: “We believe the plunge in oil price may, together with the recovery in the U.S. labor market, be the catalyst to reverse the massive post-Lehman outperformance of Wall Street versus Main Street. Overweighting assets related to the recovery on Main Street and underweighting assets tied to reflation of Wall Street in recent years has the potential to be The Trade of 2015. We would also hedge against the risk of a 1999 repeat, the ‘iBubble’ scenario.”

Rate risk?

If this is, in fact, the year when long-term Treasury rates finally start to climb, the main leaders of this year’s market gains – bond-like utility, consumer staples and healthcare stocks – could have a hard time holding up.

And, of course, oil-and-gas stocks have been trashed and cuts in energy spending will hamper a sector that has received a disproportionate share of investment capital in recent years.

Finally, if the rest of the world economies don’t rebound, can big U.S. multinational stocks continue to lure fresh investor dollars? And if foreign economies do improve, won’t their laggard, cheaper stock markets likely outperform American stocks, which, this year, were viewed as the “place to be”?

Such preliminary questions can seem like trying to pick a winner in football against the point spread. Which is why, as they say, they play the games on the field and not on paper.

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Dow tops 18,000 on GDP report

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NEW YORK (Reuters) – U.S. stocks rose for a fifth straight session on Tuesday, with the Dow climbing above 18,000 for the first time ever after an unexpectedly strong report on economic growth.

Both the Dow and S&P 500 hit intraday records, and the S&P is on track for its 51st record close of 2014. The gains pushed the Dow as high as 18,051.14, and the blue-chip index is now up about 175 percent from a 12-year low hit on March 9, 2009.

The final estimate for third-quarter U.S. economic growth was revised up to a 5 percent annual pace, its quickest in 11 years and easily topping expectations calling for growth of 4.3 percent.

“Everyone is surprised, and I’m definitely pleased,” said Wayne Kaufman, chief market analyst at Phoenix Financial Services in New York. “How can inflation be so low when GDP is so high? Either this is just a one-off and GDP will fall back dramatically, or we’ll see a pickup in inflation, which could put more pressure on the Fed.”

The report spurred a broad rally, with nine of the ten primary S&P 500 sectors higher on the day. The only group to fall was healthcare (.SPXHC), down 2.5 percent alongside a massive drop in biotech stocks.

The Nasdaq biotech index (.NBI) fell 5.4 percent, its biggest one-day decline since April 10. Components of the index made up the top six percentage decliners on the S&P; Celgene Corp (CELG.O) fell 8 percent to $104.49 while Biogen (BIIB.O) lost 6.6 percent to $329.14 and Regeneron Pharmaceuticals (REGN.O) lost 6 percent to $388.

Gilead Pharmaceuticals (GILD.O) fell 4.5 percent to $88.70, extending Monday’s drop of 14 percent, which came after Express Scripts (ESRX.O) said it would abandon covering Gilead’s hepatitis C treatment in favor of a cheaper option.

“This is just a kneejerk reaction, based on a bear thesis that Express Scripts will start to dictate prices,” said Kaufman. “I don’t see how this is any different than any other company in another sector getting more competition. Soon people will go through the stocks one-by-one to see which got oversold.”

At 1:10 p.m. (1810 GMT) the Dow Jones industrial average (.DJI) rose 99.21 points, or 0.55 percent, to 18,058.65, the S&P 500 (.SPX) gained 5.72 points, or 0.28 percent, to 2,084.26 and the Nasdaq Composite (.IXIC) dropped 12.25 points, or 0.26 percent, to 4,769.17.

In addition to the GDP report, data showed a solid rise in consumer spending while consumer sentiment hit its highest level in nearly eight years. Separately, durable goods orders unexpectedly fell in November while new home sales fell for a second straight month.

Trading volume is expected to be light this week due to the Christmas holiday, which could increase volatility. U.S. equity markets will open for an abbreviated session Wednesday and be closed on Thursday.

Advancing issues outnumbered declining ones on the NYSE by 2,086 to 932, for a 2.24-to-1 ratio on the upside; on the Nasdaq, 1,463 issues rose and 1,222 fell for a 1.20-to-1 ratio favoring advancers.

The benchmark S&P 500 index was posting 113 new 52-week highs and 5 new lows; the Nasdaq Composite was recording 164 new highs and 42 new lows.

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North Korea denies hacking Sony

File photo of a security guard standing at the entrance of United Artists theater during the premiere of the film "The Interview" in Los Angeles
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A security guard stands at the entrance of United Artists theater during the premiere of the film “The Interview” in Los Angeles, December 11, 2014. REUTERS/Kevork Djansezian

By Jack Kim and Steve Holland

SEOUL/WASHINGTON (Reuters) – North Korea has said U.S. accusations that it was involved in a cyberattack on Sony Pictures were “groundless slander,” and that it wanted a joint investigation into the incident with the United States.

The United States stands by its assertion that North Korea was to blame, a White House National Security Council (NSC) spokesman said on Saturday, in response to the remarks.

U.S. President Barack Obama had blamed North Korea for the devastating cyberattack on Sony, which had led to the Hollywood studio cancelling the imminent release of “The Interview,” a comedy on the fictional assassination of North Korean leader Kim Jong Un.

An unnamed spokesman of North Korea’s foreign ministry said there would be serious consequences if Washington refused to agree to a joint probe and continued to accuse Pyongyang, according to the North Korean U.N. mission and its official KCNA news agency.

“We propose to conduct a joint investigation with the U.S. in response to groundless slander being perpetrated by the U.S. by mobilizing public opinion,” the North Korean spokesman was cited as saying by KCNA.

“If the U.S. refuses to accept our proposal for a joint investigation and continues to talk about some kind of response by dragging us into the case, it must remember there will be grave consequences,” the spokesman said.

NSC spokesman Mark Stroh dismissed this, saying: “We are confident the North Korean government is responsible for this destructive attack. We stand by this conclusion.”

“The government of North Korea has a long history of denying responsibility for destructive and provocative actions,” he added.

Obama said North Korea appeared to have acted alone. Washington began consultations with Japan, China, South Korea, Russia, Australia, New Zealand, and the UK seeking their assistance in reining in North Korea.

Japan and South Korea said they would cooperate. China, North Korea’s only major ally, has yet to respond, but a Beijing-run newspaper said “The Interview” was not a movie for Hollywood or U.S. society to be proud of.

An Obama administration official said on Saturday: “In our cybersecurity discussions, both China and the United States have expressed the view that conducting destructive attacks in cyberspace is outside the norms of appropriate cyber behavior.”

Australian Prime Minister Tony Abbott issued a statement on Sunday condemning the attack. “Cyberattacks such as these threaten a strong and prosperous economy and undermine our way of life,” he said.

It was the first time the United States had directly accused another country of a cyberattack of such magnitude on American soil and set up a possible new confrontation between longtime foes Washington and Pyongyang.

Obama said he wished that Sony had spoken to him first before yanking the movie, suggesting it could set a bad precedent. “I think they made a mistake,” he said.

“NOT CAVED IN”

Sony Pictures Entertainment Chief Executive Michael Lynton insisted the company did not capitulate to hackers and said it was still looking for alternative platforms to release “The Interview.” Earlier, a spokeswoman for Sony had said the company did not have further release plans for the $44 million film starring Seth Rogen and James Franco.

Despite Obama’s stern warning to North Korea, his options for responding to the attack by the impoverished state appeared limited. The president declined to be specific about any actions under consideration.

North Korea has been subject to U.S. sanctions for more than 50 years, but they have had little effect on its human rights policies or its development of nuclear weapons. It has become expert in hiding its often criminal money-raising activities, largely avoiding traditional banks.

In a separate statement on Saturday in response to criticism of its rights record, North Korea vowed to boost its “nuclear power” to counter Washington’s hostile policy, saying it had become apparent the United States aimed to invade the North under the guise of human rights abuses.

The FBI said technical analysis of malicious software used in the Sony attack found links to malware that “North Korean actors” had developed and found a “significant overlap” with “other malicious cyber activity” previously tied to Pyongyang.

But it otherwise gave scant details on how it concluded that North Korea was behind the attack.

U.S. experts say Obama’s options could include cyber retaliation, financial sanctions, criminal indictments against individuals implicated in the attack or even a boost in U.S. military support to South Korea, still technically at war with the North.

But the effect of any response would be limited given North Korea’s isolation and the fact that it is already heavily sanctioned for its nuclear program.

There is also the risk that an overly harsh U.S. response could provoke Pyongyang to escalate any cyber warfare.

Non-conventional capabilities such as cyber warfare and nuclear technology are the weapons of choice for the impoverished North, defectors said in Seoul.

 

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The Criminal Law Group of Donich Law in Toronto Can Effectively Defend You from DUI Charges

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If you currently reside in Toronto or the surrounding areas of this grand city and have recently been charged for driving under the influence (DUI), there are numerous of law firms that can assist you, but the Donich Law Professional Corporation firm keeps dominating this area of the law due to its extensive experience and its consistent positive track record.


Without a DUI lawyer you may face serious consequences. A lawyer can defend you and walk you through the entire legal system process. Drinking and driving charges tend to be very complex. The Criminal Law Group of Donich Law firm has the skills and tools that are necessary to defend you.


This type of conviction might prevent you from working and might bring a bad image to your reputation in the community. In addition to this, this conviction will stay in your record for many years to come; therefore, you might have difficulty getting hired in places that require you to drive. For these reasons, hiring a lawyer is extremely vital.


The Criminal Law Group of the Donich Law firm has experience in analyzing breathalyzer reading, including search warrant protocol and police investigative techniques. They have an extensive technical knowledge of the operation, use, and calibration of the newest breathalyzer technology that the Canadian police are utilizing. The lawyers of this firm work with toxicologists and other experts of this industry in order to position your defense.


This well-known and respected firm of cost-efficient legal solutions provides a free no-obligation consultation. For more information, feel free to visit www.mydefence.ca/toronto-dui-lawyer.

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10 budgeting/finance tips for tech-savvy Millennials

10561615_719209188150213_3189399456234969734_n1. Set a Realistic Budget: Easier said than done, you actually have to sit down with your known monthly expenses and find a budget that works for you. Be realistic about it, the numbers don’t lie. Simply writing out a budget may avail opportunities to cut back spending or save money in ways that were previously overlooked.

2. Save Money on Necessities: Many Millennials grew up watching their parents clip coupons out of the Sunday paper. Follow their lead! Most top grocery chains have apps that offer coupons and personalized deals based on your past purchases, the Safeway and Kroger apps even have features that let you build shopping lists on your phone and help you save on gas purchases. Use the RetailMeNot app for all other purchases to save money on clothes and home necessities from major retailers.

3. Be Firm with Disposable Income: Since when has the cost of your girlfriend’s/boyfriend’s birthday been just dinner and a gift? Take into account the incidental costs of a night out like the after-dinner drinks or cab ride home. For gift purchases, most retailers like GameStop offer points programs and send out weekly deals. For weekend getaways, not only do sites like Orbitz and Hotels.com offer discounted rates, they also have points programs to work towards free airfare and hotel stay.

4. Beware of Online/Auto-Payments: Sounds convenient, right? Most online bill pay options have limitations to their usefulness and can bite you if you’re not on top of when the bills are due. First, you physically have to calendar when the money will be debited from your account. Second, keep in mind that there is nearly always a delay from when you authorize the payment to when the bank pays the utility/credit card company, often resulting in unnecessary late fees. Sign up for bill pay and budgeting apps like PrismMoney to easily keep track of due dates and make sure bills are paid on time.

5. Beware of Using Credit: Let’s say you have an emergency or just need to get out of the city for a few days. If you charge this hypothetical $500 expense, you’re not just spending $500. At 18% APR, waiting a year to pay the balance costs you an extra $90. Be credit savvy, use credit cards responsibly to avoid paying the “hidden” cost of interest fees down the road. Also, don’t forget about credit card rewards programs with sites like AwardWallet.com that track your points.

6. Work with your Student Loan Lenders: It is estimated that, since the Great Recession began, student loan debt has increased a whopping 84% with borrowers owing a record $1.2 trillion. Many lenders offer repayment plans based on income and continuing education status. Take advantage of those plans that are tailored to your immediate need. Most lenders also offer a reduced interest rate, usually .25%, if you make your monthly payment using an automatic withdrawal.

7. Extra Income is Out There: Moonlighting is hip again with more Millennials freelancing for primary and secondary income now than ever before. But if you’re still in school, a dedicated second job may not be an option. Any Craigslist app makes for an excellent resource, when used cautiously, to make extra cash when you have spare time. The “Gigs” section is packed with folks in your area who might need help moving or with yard work.

8. Automate you Savings: Setting aside the recommended 10% of your paycheck for savings is easier than you think. Most companies are able to deposit your paycheck into multiple accounts. After a careful review of your budget, have a percentage go directly into a savings account and/or set up an automatic transfer to put a specific dollar amount into savings as soon as your paycheck is deposited. It is much easier to save when the money is transferred out of your checking account as soon as it’s put in.

9. Start Small in Your Investments: Because Millennials came of age during the Great Recession, many are leery of investing. Making small investments doesn’t have to involve great risk or take up a lot of time. Acorns is an app that automatically invests your spare change left over from debit purchases based on your level of calculated risk. For Millennials with a diversified portfolio, Harvest is a social platform that feeds investment advice in real-time straight from top firms and personal investors.

10. Carefully Plan Buying a House: A new study found that 36% of Millennials are still couch surfing with mom and dad. Finally ready to apply for that home loan? Your budget will let you know the amount you’re comfortable spending before you apply. Most lenders suggest that you spend no more that 28% of your monthly income on a mortgage. Use real estate apps like Zillow to track prices and amenities in the areas you’re looking to buy.

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Car Accidents: Considering Making a Claim choose Barber Law Firm

home-officeEvery year, millions of Americans are involved in car accidents. Often times, these accidents could have been avoidable. When this is the case, a person will have the opportunity to seek legal action so that they can have their medical bills paid, their vehicle repaired or find justice for avoidable suffering.

Car accidents are classified as any collision involving an automobile and another object. A drunk driver most definitely shouldn’t be driving at all. That’s because drunk driving is really dangerous. While many accidents involve two or more automobiles, others only involve one vehicle and a stationary object. When an accident occurs with a stationary object, such as a utility pole, there are times when the driver still may not have been at fault. If a pole happened to fall down or was placed illegally, this would fall under negligence.

The county of Dallas has approximately 2.3 million residents. Many of these residents, roughly 1.2 million, live in the city of Dallas. According to the Texas Department of Transportation, there were: 36, 459 auto accident and 189 fatalities in Dallas during 2012. These figures are astonishing and many of the cases were referred to The Barber Law Firm.

Negligence

During any consultation, a driver that has been involved in a crash will have to be able to prove one thing – negligence. This is the main factor in any accident claim as there must be adequate proof that an accident was avoidable. For instance, if a driver was driving on the wrong side of the road, they would have great difficulty winning a claim. They could have easily avoided the accident had they been adhering to the rules of the road.

Dallas attorneys at The Barber Law Firm will assess every car accident to ensure that negligence is a factor. This negligence is often the result of another driver, but this does not always have to be the case. In fact, many claims have been made against vehicle manufacturers because of faulty brakes, tires and a slew of other common mechanical defects. This is negligence on the part of the manufacturer and not the individuals involved in an accident.

Consultation and Outcome

Every case has to be handled in a different manner. With a plethora of different circumstances, car accidents have to be handled quite diligently. As a person involved in an accident, a free consultation must be sought so that the circumstances and probability of making an adequate claim can be assessed.Once a claim has been filed, a Dallas attorney will encourage their clients to be truthful and patient. Depending on the injuries sustained, different monetary settlements will be available. Oftentimes, a person will receive a settlement based on pain and suffering. Other times, a person will also have their loss of income, car repairs and medical bills covered within the settlement.

By the way another great law firm that I discovered when I was surfing the web yesterday is Donich Law Professional Corporation they are a DUI lawyer and Over 80 Lawyer firm from Toronto. And they handle all types of legal cases.

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Wall Street fixed on Fed as oil hits 2009 low

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U.S. stock index futures signaled a higher open on Tuesday, after U.S. crude futures slipped to levels not seen since 2009 ahead of the U.S. Federal Reserve’s latest monetary policy meeting.

On Monday, U.S. crude futures for January delivery declined $1.90, or 3.3 percent, to close at $55.91, the lowest finish since May 2009.

Read More Market’s seasonal cheer on hold until oil finds footing

Brent also took a hammering, falling over $1 per barrel and below $60 for the first time since July 2009 in early European trading on Tuesday, as Chinese factory activity slowed and emerging market currencies stumbled.

Tuesday also brings the start of the Fed’s two-day Federal Open Market Committee (FOMC) meeting, with many market-watchers expecting the central bank to drop its pledge to hold interest rates low “for a considerable time”.

Related Quotes

Darden Restaurants, Inc.
NYSEMon, Dec 15, 2014 4:02 PM EST
FactSet Research Systems Inc.
NYSEMon, Dec 15, 2014 4:04 PM EST
Dave & Buster’s Entertainment, …
NasdaqGSMon, Dec 15, 2014 4:00 PM EST

Read More Gross: US structural growth rate to be about 2% or less

Star bond fund manager Bill Gross said he anticipates economic growth in the U.S. to fall to 2 percent next year as a result of the decline in the oil price.

Gross said it would be “very difficult” for oil prices to stabilize, adding that he was watching the move in oil, “quite a bit.”

“Oil determines currency movements; currency movements determine spread markets, risk markets, high yield markets, the potential for bankruptcy for not only companies but countries,” Gross said in an exclusive interview with CNBC.

Read More Oilslumps near $59 for first time since 2009

Other data expected on Tuesday includes new housing starts in November, which are expected to show only modest positive change in single-family starts, but multi-family activity could pick up from a lackluster reading in October.

“The bigger picture suggests that the pick-up in housing supply growth from the lows of earlier years appears to be progressing at a glacial pace,” said director of euro area economic research at Daiwa Capital Markets, Robert Kuenzel.

Meanwhile, the flash estimate of December’s manufacturing PMI is expected to see a modest rise to 55.2 in a modest turnaround after three consecutive monthly falls.

Read More Russiaraises key rate to 17%, effective Tuesday

European shares were lower in morning trade on Tuesday with a continued fall in the price of oil offsetting a modest rally in the banking sector.

Major earnings expected on Tuesday include FactSet (FDS) before market open, with Darden Restaurants (DRI) and Dave & Buster’s (PLAY) coming after market close.

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GlamST: A Buzzworthy Life-Like Application for iOS that Allows You to Try Makeup on Your Selfie

1806_1364253768Women tend to have a grand love for clothes, shoes, handbags, and of course, makeup. Makeup, in particular, is a multi-billion dollar industry. When a new cosmetic is released on the market, it often sells like hotcakes. Makeup is able to bring women a sense of empowerment, which can be very beneficial when they step into the real world. It is definitely an image booster that numerous of individuals find to be very desirable. It can help give the face an instant makeover.
Every year, ladies tend to spend hundreds and hundreds of dollars on lipsticks, eyeliners, eye shadows, foundations, concealers, brow pencils, lip liners, blushes, highlighters, contour powders, and etc., but a lot of these products tend to not be used to their entirety, as you later find out that a lot of them don’t really go hand-in-hand with your style or complexion, which can be very unbeneficial for your wallet.
It can be quite tedious to try cosmetics in stores, as one has to deal with utilizing the ‘try me’ products that have been used by God knows how many other ladies in town; therefore, people just often opt to purchase cosmetics without trying them out. They often just cross their fingers in hopes that they are rightly being guided by the products’ labels.
Thankfully, nowadays, this dilemma can easily be solved. Yes, there are a handful of applications for your iPhone that allow you to upload a photo of yourself so that you can try makeup by virtually applying it on your photo, before purchasing it. There is one application that ever since it was launched last month, it has been causing a great buzz among a lot of females of all ages for its innovative approach of providing users a life-like image of what they will really look like if they were to purchase a particular makeup product: GlamST.
GlamST is a groundbreaking application for IOS 7.0 or later that permits you to discover new makeup by selecting the makeup that you love so that you can virtually try it on your photo. Yes, from the comfort of your own phone, you can freely experiment with makeup. The goal of the creators of this application is to make women feel comfortable with their choices.
You can also utilize GlamST as a tool to generate new posts for your blog. With the help of this application, you can talk about trendy shades, favorite looks, new products, trendy products, and talk about the colors for the Christmas/winter/fall on your blog.
It is quite simple. For example, if you are going to write a post about winter looks, you can upload a photo in the application and download ten different looks and then talk about the products. If you prefer, you can use photos of models, actresses, singers, or etc. on the application to generate content.
As you can tell, with this application, the ideas are endless. You can do so much with it. If you want to start experimenting with makeup right now with the help of this application, feel free to visit https://itunes.apple.com/uy/app/glamst/id917490858?mt=8.
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Connect your communications in one package for the entire USA

unifiedcommunicationsBusiness requires many different things, and good communications companies to back them up are just one of those many things. Along with your starting capital, merchandise or services to sell to your clientelle, none of it can happen without having someone who can provide you with communication tools that will fit your business needs.

With BroadConnect Telecom you get all the communications services you can possibly think of, and all provided with professional courtesy that you won’t find anywhere else. The hardware that is offered through their website is top notch giving you a professional look for your business while impressing your customers along the way.

The services you can find with BroadConnectTelecom include mobile services as well as conferencing for audio and video, long distance, Hosted call center and many more. With over 20 years in this industry they are the ones that will help your business be led to success.

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Are you unsure what the needs of your business really are, and what equipment will help you grow your business along the path to success? That’s ok, as BroadConnectTelecom offers a consultancy to help you find the right equipment and the right plans that will fit all of your business needs.

 

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Allstate Auto Experts

533765_652617644756608_629720520_nWhen you crank up your car, do you ever ask who’s knocking? The knocking under your car’s hood is either a result of engine oil turning into sludge or the lack of oil. Engine oil helps lubricate engine parts, and when the oil is dirtied or running out, it can lead to severe engine damage.
If you have a newer car, you are likely to have a pressure sensor that will monitor the amount of oil. Unfortunately, many older cars do not have this feature and rely on other details. The knocking is one of the many signs to look for when dealing with the timing of oil changes.
However, you are confused, because everyone knows that 3,000 miles is the magic number for an oil change. You got your oil change 2,700 miles ago.

This is a big misconception many customers have. Hurry up and go to Allstate Auto Experts in Dallas, TX. Allstate Auto Experts offers big Texas size deals served up with a side of great southern hospitality. Allstate Auto Experts can help you determine your true magic number and what oil is right for your type of car. The oil change mileage depends on the car and the type of driver you are. If you frequent downtown Dallas, TX, you will make several stops in short distances. This causes more engine wear and will result in a need for an oil change before you reach 3,000 miles. If you like the long stretched roads of the Texas desert, the mileage between oil changes will increase. Allstate Auto Experts factors in all these variables when determining when you need your oil change.

Allstate Auto Experts likes to anticipate their customers needs and prevent future problems by offering a 30-point safety inspection. This can be done while getting your oil change.

If you are under 125,000, they offer free registration for Valvoline’s Engine Guarantee. It lasts for up to 300,000 miles. They offers are the 300,000 Mile Guarantee, the 225,000 Mile Guarantee, and the 150,000 Mile Guarantee. Each program come with future savings from Valvoline and its partners. The 300,000 mile guarantee includes uses Use Valvoline’s SynPower Full Synthetic or Valvoline’s MaxLife Full Synthetic oil which offers fantastic protection for the Texas heat. The 225,000 mile guarantee uses Valvoline’s MaxLife, Valvoline’s MaxLife NextGen, or DuraBlend Synthetic Blend. These are great for frequent stops at short distances. The 150,000 mile guarantee uses Valvoline’s Premium Conventional or Valvoline’s NextGen Conventional to enhance performance and engine life.

For an oil change, please contact Allstate Auto Experts at 972-296-8489.

Another company comes to mind when I am thinking about cars and trucks and that is Titan Transline, Inc. They are a great cross-border-trucking-usa company and their service is top notch and their goal is very simple and that is to satisfy their customers.

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