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	<title>Ron's Financial Tips</title>
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	<description>Ronald J. Sloy, CFP offers certified financial planning &#38; investment tips.  Ron Sloy is a founder of Sloy, Dahl and Holst, Inc. – Portland, OR</description>
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		<title>Apple Would Be Even Bigger With Dividend: Analyst</title>
		<link>http://ronaldsloy.wordpress.com/2012/01/27/apple-would-be-even-bigger-with-dividend-analyst/</link>
		<comments>http://ronaldsloy.wordpress.com/2012/01/27/apple-would-be-even-bigger-with-dividend-analyst/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 00:54:27 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
				<category><![CDATA[401k]]></category>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=476</guid>
		<description><![CDATA[After crushing analyst expectations with your earnings and becoming the largest company by market cap in the world, what does Apple do next? How about paying a dividend? Sanford C. Bernstein analyst Toni Sacconaghi said Apple is &#8220;dramatically underowned relative to its peers&#8221; by institutional and value fund investors because it is sitting on $97.6 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=476&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>January Rally Holds; Banks, Small-Caps Up</title>
		<link>http://ronaldsloy.wordpress.com/2012/01/11/january-rally-holds-banks-small-caps-up/</link>
		<comments>http://ronaldsloy.wordpress.com/2012/01/11/january-rally-holds-banks-small-caps-up/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 22:45:41 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
				<category><![CDATA[401k]]></category>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=474</guid>
		<description><![CDATA[Momentum stayed positive for the new year, with stocks posted another day of gains in 2012 as the start of earnings season sparked optimism for a market trading at its highest levels since early August. Major indexes rallied around the 1 percent range, with the strongest gains coming from materials, financials, industrials and energy stocks. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=474&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Emerging Markets To Rebound Up to 30 Percent in 2012</title>
		<link>http://ronaldsloy.wordpress.com/2012/01/05/emerging-markets-to-rebound-up-to-30-percent-in-2012/</link>
		<comments>http://ronaldsloy.wordpress.com/2012/01/05/emerging-markets-to-rebound-up-to-30-percent-in-2012/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 22:37:19 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=472</guid>
		<description><![CDATA[The tide appears to be turning for emerging markets (EM), after a dismal year that saw the MSCI emerging markets index fall by 20 percent, lagging both the European and U.S. markets. According to Citi&#8217;s global emerging markets equity strategist Geoffrey Dennis, the outlook for this asset class is bright, with interest rates set to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=472&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Banks boost lending as economy slowly warms up</title>
		<link>http://ronaldsloy.wordpress.com/2011/12/28/banks-boost-lending-as-economy-slowly-warms-up/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/12/28/banks-boost-lending-as-economy-slowly-warms-up/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 21:00:55 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=469</guid>
		<description><![CDATA[Banks are lending again. After three years of Scrooge-like underwriting following 2008&#8242;s financial crisis, banks have turned on the spigot, boosting lending at annual rates as high as 8.2% since July, according to Federal Reserve statistics. Lending had fallen from mid-2008 through this year&#8217;s second quarter, deepening what became the worst recession since the Great [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=469&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Europe Using US as Model to Fix Debt Crisis: Bove</title>
		<link>http://ronaldsloy.wordpress.com/2011/12/13/europe-using-us-as-model-to-fix-debt-crisis-bove/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/12/13/europe-using-us-as-model-to-fix-debt-crisis-bove/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 22:08:58 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=462</guid>
		<description><![CDATA[European policymakers are taking a page out of their American counterparts&#8217; playbook to address their burgeoning sovereign debt crisis, banking analyst Dick Bove said. The European Central Bank already has begun its own version of quantitative easing, the program used by the Federal Reserve to recapitalize banks during the financial crisis that exploded in 2008, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=462&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Can markets hold to winning December tradition?</title>
		<link>http://ronaldsloy.wordpress.com/2011/12/01/can-markets-hold-to-winning-december-tradition/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/12/01/can-markets-hold-to-winning-december-tradition/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 18:26:01 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=458</guid>
		<description><![CDATA[NEW YORK – December is the month for stock market gains. But a Santa Claus rally on Wall Street is not gift-wrapped, with Europe&#8217;s debt crisis and political gridlock in the USA acting as potential Scrooge-like downers. December has long been the seasonal champ in stock performance, S &#38; P Capital IQ says. It&#8217;s been [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=458&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Record profits. So what?</title>
		<link>http://ronaldsloy.wordpress.com/2011/11/14/record-profits-so-what/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/11/14/record-profits-so-what/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 18:54:48 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=455</guid>
		<description><![CDATA[Corporate profits are about to rise to a record. Again. With nearly 92 percent of companies in the S &#38; P 500 reporting third-quarter earnings, they&#8217;re on track for a total of $23.78 per share. That would top last quarter&#8217;s record of $22.24 per share, according to S &#38; P Indices. The last time profits [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=455&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Bullish Again</title>
		<link>http://ronaldsloy.wordpress.com/2011/11/10/bullish-again/</link>
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		<pubDate>Thu, 10 Nov 2011 04:20:06 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=453</guid>
		<description><![CDATA[Individual investors are feeling better about stocks after the market&#8217;s October comeback. About 40 percent say they&#8217;re optimistic about how stocks will do over the next six months, according to a survey by the American Association of individual investors. In late September, 25 percent of investors were bullish. The average since 1987 is 39 percent. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=453&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Top 10 Reasons to Own Stocks</title>
		<link>http://ronaldsloy.wordpress.com/2011/11/08/top-10-reasons-to-own-stocks/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/11/08/top-10-reasons-to-own-stocks/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 17:51:05 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=449</guid>
		<description><![CDATA[10. $2.6 trillion in money market funds earning nothing and losing purchasing power by the day. 9. After 30 years, the bull market in bonds is over. 8. Stocks are under owned. The new alternative investment in long only equity. 7. Stocks are driven by earnings. Despite the fact that we all fell terrible, earnings [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=449&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>New rules could improve 401(k) advice, but be prepared to ask</title>
		<link>http://ronaldsloy.wordpress.com/2011/11/06/new-rules-could-improve-401k-advice-but-be-prepared-to-ask/</link>
		<comments>http://ronaldsloy.wordpress.com/2011/11/06/new-rules-could-improve-401k-advice-but-be-prepared-to-ask/#comments</comments>
		<pubDate>Sun, 06 Nov 2011 18:28:50 +0000</pubDate>
		<dc:creator>ronsloy</dc:creator>
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		<guid isPermaLink="false">http://ronaldsloy.wordpress.com/?p=447</guid>
		<description><![CDATA[For years, employers have been replacing traditional pensions with worker-directed, 401(k)-like plans, placing the cost and responsibility of retirement saving firmly in our hands. Yet many shied away from offering workers advice on how to invest their money, partly out of fear of being sued if participants were unhappy with the outcomes. Late last month, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ronaldsloy.wordpress.com&amp;blog=5397100&amp;post=447&amp;subd=ronaldsloy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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