Tuesday, August 30, 2016

The Healthcare Monsters

Economy and Markets

Where Gold is Going Next

Renowned economist Harry Dent's latest research reveals a surprising answer. Fair warning: it's NOT what you likely expect… and if you're not prepared for what's ahead – you'll miss one of the greatest investment opportunities in decades. For details on gold's next move, click here...


ECONOMY & MARKETS | August 30, 2016

Killing Us with Healthcare

By Rodney Johnson, Senior Editor, Economy & Markets

EditorI've never heard anyone brag about what they spend for a medical procedure. Healthcare isn't like housing or transportation. People are proud to shell out big bucks for a big house, and many drivers can't wait to show off their expensive set of wheels.

But when it comes to healthcare, we're only smiling when we save money, not spend it, which makes the current trend so much more difficult.

While government officials point to slower price increases and bray on about bending the healthcare cost curve, everyday people are watching more of their hard-earned dollars fly out the door to pay for care. Even though overall costs might be rising at a slower pace, the amount consumers have to pay is shooting to the moon.

And the pain doesn't stop at the door to retirement. As the healthcare monster devours more dollars, we have less money to spend where we want, which adds to the misery in our economy, and will eventually add to a nasty financial setback.

Middle-income households now spend more on healthcare than any other cost outside of shelter. This part of their budget jumped more than 3% from 1984 to 2014, and now eats up 8.9% of their funds.

Most of the increase occurred in the last 10 years, as healthcare spending rose 25% from 2007 to 2014. As these families spent more on doctors and prescriptions, they spent less on food, housing, clothing, and transportation.

Keep in mind that this calculation ends just as the ironically named Affordable Care Act went into action. Since 2014 things have gotten much worse, not better.



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Consumers who purchase insurance on the healthcare exchanges know about rising prices all too well. Premiums have increased by double digits every year for most buyers, and in 2017 prices will shoot higher by almost 30%.

In just a few short years, premium prices are up 50%, and that's just for the privilege of buying insurance. Sure, there are subsidies out there for almost 90% of buyers, but that covers just the premium cost. Once you have insurance, there's the small matter of the deductible.

Insurers have reconfigured policies to include higher deductibles to keep premium prices lower than they would have been. That's nice in theory, but with premiums up by double digits each year, tacking several thousand dollars onto the deductible just adds insult to injury.

Deductibles of $5,000 and $6,850, on top of $1,000-per-month premiums, are common. This is also where workers who get their insurance through their employers are feeling the heat.

Firms still pay roughly 80% of insurance premiums for employees, but the plans are less generous, requiring more deductible payments. The effect, while not as pronounced, is the same. Consumers have less cash to spend on what they want.

For retirees, the math gets more complicated.

The government deducts Medicare Part B payments from Social Security checks. This year, the price of Medicare Part B is expected to climb more than 20%, or about $27 per month. But inflation has remained tame, so the Social Security Cost-of-Living Adjustment (COLA) could be as small as 0.2%, or even flat. For those receiving the average benefit of $1,335 per month, this equates to less than $3 per month. The increase in Medicare Part B will eat up all of that gain and then some.

Recent retirees might get some relief. If they earn less than average income, then the Hold Harmless Act would shield those who retired in the last year from a Medicare cost increase that would reduce their benefits below the prior year's level.

Unfortunately, this only works once, and then the recipients must eat the cost. The price of Medicare Part B jumped 16.1% last year, so those who were able to avoid that price hike now have to pony up.

To make it even more of a puzzle, if the COLA ends up at 0%, then the Hold Harmless Act doesn't apply, and all Social Security recipients will get hit with the full cost increase, thereby lowering their incomes.

The end result is that most everyone in America is paying significantly more for healthcare, either through premiums, deductibles, or a combination of the two. This leaves us with less money to spend on what we want. It's harder for young families to afford having children or buying homes, while retirees can't spend as much on maintaining their lifestyles. For those in the middle, saving for retirement and education is difficult.

The problem with healthcare is that it doesn't fade with an economic downturn. When our economy resets and financial assets drop, healthcare costs will remain high, eating up more of our falling incomes, and creating a further drag on the economy.

And it doesn't stop with consumers…

The premium subsidies for the health exchanges, and the makeup payments for the Hold Harmless Act, come from somewhere. Or, more to the point, from someone. That lucky person is the U.S. taxpayer, who is on the hook for ever-rising healthcare costs as the government declares bigger sections of the population eligible for assistance.

As equity markets reach new highs and consumer misery plumbs new depths, something's got to give.

Don't be left holding the bag when the markets roll over. Make sure you have enough left in your pocket to pay for your premiums… and your deductible.


Rodney

Follow me on Twitter @RJHSDent




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LEGAL NOTICE: Protected by copyright laws of the United States and international treaties. This e-letter may only be used pursuant to the subscription agreement and any reproduction, copying, or redistribution (electronic or otherwise, including on the worldwide web), in whole or in part, is strictly prohibited without the express written permission of Delray Publishing.

This work is based on SEC filings, current events, interviews, corporate press releases and what we've learned as financial journalists. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility. The information herein is not intended to be personal legal or investment advice and may not be appropriate or applicable for all readers. If personal advice is needed, the services of a qualified legal, investment or tax professional should be sought. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation.

Did gold’s warning shot just go off?

Economy & Markets daily

ECONOMY & MARKETS | August 30, 2016

Dear Subscriber,

Gold prices have dropped $20 since Friday… but the worst could be yet to come.

With the Fed hinting that a rate hike could be coming in September, it appears the yellow metal could be in for a rough ride over the next month.

And this could be the ONE warning shot you get before gold’s TRUE crash begins.

In fact, you won’t believe how far Harry is predicting its price will fall!

Not to mention the entire U.S. economy along with it.

Gold is NOT the safe haven you believe it is… find out why and what to do about it, right here.

Sincerely,
Signature

Shannon Sands
Publisher, Dent Research
Economy & Markets daily

Monday, August 29, 2016

Always a Bull or a Bear Somewhere

Economy and Markets

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ECONOMY & MARKETS | August 29, 2016

Always a Bull or a Bear Somewhere

By Adam O'Dell, CMT, Chief Investment Strategist, Dent Research

EditorLove him or hate him, President Obama made one of the best stock market calls… ever!

On March 3, 2009 he said, "Buying stocks is a potentially good deal."

Just three days later – on March 6 – the S&P 500 bottomed out and has since marched 217% higher. In hindsight, we know his timing was nothing short of incredible!

But buying at the bottom – in real-time (and with real money) – is incredibly difficult to do. Very few investors have the emotional fortitude to buy aggressively when there's blood in the streets and a call for Armageddon in the news cycle. And if you call the bottom too early, you're toast!

That said, bear markets are incredible opportunities... if you have a proven strategy that tells you exactly when it's time to buy.

Well, that's exactly what my Cycle 9 Alert strategy is designed to do.

My Cycle 9 Alert approach plays sector-specific trends because, as I like to say, "There's always a bull market somewhere."

By the same token, "there's always a bear market somewhere," too.

And while you've probably been told that the market is either bullish or bearish – with no in-between – you're limiting your profit opportunities if you're stuck thinking of it that way.

Take the healthcare sector, for instance.


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Beginning last September, two subsets of the healthcare sector slipped into a bear market, losing more than 20% from their recent highs. And the selling didn't stop at 20%...

The pharmaceuticals sector (XPH) lost a full 43% between September and March. And the closely related biotech sector (XBI) lost 50% in even less time!

Meanwhile, in April, the S&P 500 was sitting just 2% below its all-time high.

Now, I fully realize it seems odd for entire sectors and industry groups to go through full-blown bear markets while, at the same time, the major stock indices are hitting new highs. But this is actually fairly common.

For various reasons, individual sectors can go through periods of dramatic underperformance. We've seen this recently in the energy sector. And before that, a bear market in the metals sector led my Cycle 9 Alert system to a hugely profitable opportunity.

Earlier this year, in January, metal-mining stocks were down a whopping 73% from their highs and nobody wanted to touch these stocks with a 10-foot pole.

But in February, my Cycle 9 Alert system triggered a buy signal on a left-for-dead silver miner from Canada – Pan American Silver Corp. I recommended the trade to my subscribers and two months later we walked away with a cool 225% profit!

Now, this may seem like an unusual result. But in fact, my research shows that some of the very best rally opportunities come from sectors that are crawling their way out of bear market territory.

In fact, the profit-per-trade of these bear market opportunities is three-times stronger!

These opportunities don't come about every day. They're certainly rarer than bull market opportunities (since stocks tend to spend more time rising than falling).

But if you're patient, sector-specific bear market opportunities come about often enough to make some serious coin! Like the 225% I helped Cycle 9 Alert readers make between February and April this year, on Pan American Silver Corp.

And like the 100%-plus profits I'm targeting on our most recent sector-specific bear market opportunity… in a beaten-down niche of the healthcare sector.

For obvious reasons, I can't divulge the full details of this trade (released just last week). But the investment I recommended is still trading within my suggested buy range, so there's still time to get in.

You can access my Cycle 9 Alert system – and this particular trade – by clicking here.

In short, my research shows that you shouldn't discount bear market buying opportunities. And you should stop looking at the market as one giant blob of (over-priced?) stocks.

With my sector-specific Cycle 9 Alert approach, there's always an opportunity somewhere.

To good profits,

Adam O'Dell, CMT
Chief Investment Strategist, Dent Research




Subscribe to Our Premium Monthly Newsletter

Will you be one of the millions of Americans devastated by the coming safe asset slaughter? As a subscriber to Boom & Bust, Harry Dent, Rodney Johnson and Adam O'Dell will make sure you're not. In fact, they'll help you profit from the chaos that lies ahead.


STAY CONNECTED

facebook YouTube Google Plus Twitter

Economy & Markets: You are receiving this e-mail as a part of your free subscription to the Economy & Markets E-Letter.

As an Economy & Markets Daily subscriber, you're eligible for the full details on Harry Dent's most disturbing prediction in years. To uncover which one of the market's safest and most popular investments is about to get slaughtered, click here now to view his presentation.

Remove your email from this list: click here

To cancel by mail or for any other subscription issues, write us at:
Delray Publishing | Attn: Member Services | 55 NE 5th Avenue, Suite 200 | Delray Beach, 33483 | Phone: 888-211-2215 | Fax: 410-223-2682
Website: www.dentresearch.com | Privacy Policy: www.dentresearch.com/Privacy-Policy

LEGAL NOTICE: Protected by copyright laws of the United States and international treaties. This e-letter may only be used pursuant to the subscription agreement and any reproduction, copying, or redistribution (electronic or otherwise, including on the worldwide web), in whole or in part, is strictly prohibited without the express written permission of Delray Publishing.

This work is based on SEC filings, current events, interviews, corporate press releases and what we've learned as financial journalists. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility. The information herein is not intended to be personal legal or investment advice and may not be appropriate or applicable for all readers. If personal advice is needed, the services of a qualified legal, investment or tax professional should be sought. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation.

I’ve Solved Our Problem

Economy & Markets daily

ECONOMY & MARKETS | August 29, 2016

Publisher's Note: Oops! There was a mistake in the email we sent yesterday. We've corrected the link and everything should be working just fine now. We are very sorry for any inconvenience.
Dear Subscriber,

Have you ever sold a stock for a tiny profit because you were afraid it was going to turn into a loss... only to watch it skyrocket after you sold?

Me too.

Ever held onto a stock hoping for a turn-around only to watch it sink even lower and leave you with nothing?

Yep. Been there, done that.

It turns out we really are our own worst enemy sometimes.

But I’ve finally figured out how to remove all those stupid decisions from my portfolio…

How to stop letting emotions drive my trading decisions…

And how to start trusting the ONLY thing that really matters when it comes to the markets.

It’s also the only thing that reliably and consistently happens before every major market move.

And by following it, my readers have seen gains of 116%, 124%, 140%, 191%, 201%, 316% and 336%... ALL in less than 90 days.

Just go right here and I'll show you exactly what it is and how to follow it for yourself.

Best,

Adam O'Dell
Editor, Cycle 9 Alert
Economy & Markets daily

Sunday, August 28, 2016

I’ve Solved Our Problem

Economy & Markets daily

ECONOMY & MARKETS | August 28, 2016

Dear Subscriber,

Have you ever sold a stock for a tiny profit because you were afraid it was going to turn into a loss... only to watch it skyrocket after you sold?

Me too.

Ever held onto a stock hoping for a turn-around only to watch it sink even lower and leave you with nothing?

Yep. Been there, done that.

It turns out we really are our own worst enemy sometimes.

But I’ve finally figured out how to remove all those stupid decisions from my portfolio…

How to stop letting emotions drive my trading decisions…

And how to start trusting the ONLY thing that really matters when it comes to the markets.

It’s also the only thing that reliably and consistently happens before every major market move.

And by following it, my readers have seen gains of 116%, 124%, 140%, 191%, 201%, 316% and 336%... ALL in less than 90 days.

Just go right here and I'll show you exactly what it is and how to follow it for yourself.

Best,


Adam O'Dell
Editor, Cycle 9 Alert
Economy & Markets daily

Saturday, August 27, 2016

Which Is Really The Party Of Racism?

The war of words between Hillary Clinton and Donald Trump has escalated sky-high this week, with each candidate accusing the other of bigotry.