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[rkilleninsolvencytrustee]

A blog about Debt, Bankruptcy, Credit, Finances, debt, Financial Advice, Debt Counseling, Advice from Richard, Bankruptcy.

[rkilleninsolvencytrustee]

Having a traditional 9-5 job is great. It will give you regular pay, which means having a steady income you can rely on to meet all your basic needs. But what about if you have a heavy debt load and need to pay off those debts? Your regular pay won’t be enough. You’ll need to look for ways you can make extra money and meet those extra needs so you can get out of debt quickly.

[oeocarley4646-blog]

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[omcik-blog]

New Post has been published on OmCik

New Post has been published on http://omcik.com/opec-ponders-how-to-co-exist-with-u-s-shale-oil/

OPEC ponders how to co-exist with U.S. shale oil

By Ernest Scheyder | VIENNA

VIENNA First, they ignored each other. Then, they went into a bruising fight. Finally, they are talking, albeit with opposing agendas.

The history of the relationship between OPEC and the U.S. shale oil industry has evolved a great deal since the cartel discovered it had a surprise rival emerging in a core market for its oil around five years ago.

U.S. shale bankers came to Vienna this week and OPEC is readying a trip for its top officials to Texas in a bid to understand whether the two industries can co-exist or are poised to embark on another major fight in the near future.

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“We have to coexist,” said Khalid al-Falih, Saudi Arabia’s energy minister, who pushed through OPEC production cuts in December, reversing Riyadh’s previous strategy to pump as much as possible and try to kill off U.S. shale with low oil prices.

OPEC and non-OPEC countries led by Russia agreed on Thursday to extend oil output curbs by nine months to March 2018, keeping roughly 2 percent of global production off the market in an attempt to boost prices.

But OPEC now realizes supply cuts and higher prices only make it easier for the shale industry to deliver higher profit after it found ways of slashing costs when Saudi Arabia turned up the taps three years ago.

In the Permian Basin – the largest U.S. oilfield – Parsley Energy Inc (PE.N), Diamondback Energy Inc (FANG.O) and others are pumping at the fastest rate in years, taking advantage of new technology, low costs and steady oil prices CLc1LCOc1 to reap profits at OPEC’s expense.

OPEC’s latest calculus acknowledges the global clout of shale but seeks to hinder its growth by keeping just enough supply on the market to hold prices below $60 per barrel.

“All shale companies in the U.S. are small companies,” said Noureddine Boutarfa, who represented Algeria at the meeting. “The reality is that at $50 to $60 a barrel, (the U.S. oil industry) can’t break beyond 10 million barrels per day.”

That is the level many analysts estimate U.S. oil production will reach next year, in what would be a 1 million bpd rise, a staggering jump for an industry marked during 2015 and 2016 by scores of bankruptcies and thousands of layoffs after a two-year price war with OPEC.

Still, that extra volume may not be enough to meet rising global demand or offset natural declines in traditional oilfields, which OPEC is banking on.

“For all OPEC members, $55 (per barrel) and a maximum of $60 is the goal at this stage,” said Bijan Zanganeh, Iran’s oil minister. “So is that price level not high enough to encourage too much shale? It seems it is good for both.”

Some OPEC members seem keen to show they have shed any prior naivete about shale, making it a key topic during Thursday’s meeting after barely mentioning it before. Shale’s limitations, including rising service costs, also were discussed.

“We had a discussion on (shale) and how much that has an impact,” said Ecuador Oil Minister Carlos Pérez. “But we have no control over what the U.S. does and it’s up to them to decide to continue or not.”

Mark Papa, chief executive of Permian oil producer Centennial Resource Development Inc (CDEV.O), was asked by OPEC delegates to give a presentation on shale’s potential last week. He appeared to have played his cards close to his chest.

“In terms of the threat, we still don’t know how much (U.S. shale) will be producing in the near future,” Nelson Martinez, Venezuela’s oil minister said after the talk.

  WARNING FOR SHALE

By the same token, some U.S. shale leaders may also want a better insight into OPEC thinking and help OPEC understand that shale is not a flash in the pan.

“OPEC looks at shale and it scoffs,” said Dave Purcell of Tudor, Pickering, Holt & Co, a U.S. shale investment bank that attended the OPEC meeting for the first time. “There’s a rational skepticism globally, but it misses the mark.”

For example, the UAE Energy Minister Suhail bin Mohammed al-Mazroui said he did not believe U.S. oil production would rise by 1 million bpd next year.

Some of OPEC’s customers are happy to see an alternative. India, the world’s third-largest oil consumer, said this week it is looking to the United States for greater supply.

“The new normal has to be accepted,” Dharmendra Pradhan, India’s energy minister said this week ahead of the OPEC meeting.

OPEC meets again in November to reconsider output policy. While most in the group now appear to believe that shale has to be accommodated, there are still those in OPEC who think another fight is around the corner.

“If we get to a point where we feel frustrated by a deliberate action of shale producers to just sabotage the market, OPEC will sit down again and look at what process it is we need to do,” said Nigerian Oil Minister Emmanuel Kachikwu.

  (Additional reporting by Rania El Gamal, Ahmad Ghaddar, Dmitry Zhannikov, Alex Lawler, Shadia Nasralla; editing by Dale Hudson and Philippa Fletcher)

[jamieclawhorn]

Small cap is the ultimate variety box for stock pickers

Investing pundits typically paint smaller companies – or small caps – with a very broad brush.   So broad, in fact, they often drown out the variety at the tiny end of the market.   For example we’re told small caps have delivered much greater returns over the long-term than the largest companies, but that in the short-run they’re more volatile, and their returns more unpredictable.   Small caps are more likely to go bust, too, or at best be acquired for a song.   After the EU Referendum, we were told that the FTSE 100 was outperforming mid- to small-sized companies because the big boys were multinationals, and so better able to shrug off local difficulties and to benefit from a falling pound.   And all that’s true enough.

Small companies, big returns

But like most stereotypes, while there are kernels of reality amongst the generalisations, they skip over an awful lot of particularity.   So yes, by most measures small caps handily outperform. Between 1955 and 2015, for example, the Numis Smaller Company Index delivered a 15.4% annual return, compared to 11.7% from the large-cap dominated FTSE All-Share.   That 3.7% difference makes for a staggering difference when compounded over decades. It confirms small caps’ reputation for big gains.   Indeed, the smallest firms have done even better. Numis calculates the UK’s listed minnows would have delivered more than 17% over that period.   But the fact is there were no index trackers in 1955. You’d have had to buy individual small caps via expensive brokers at large spreads, and that could well have curbed these returns.   How relevant then is the older data, really?

Missing the target

Also, despite the big gains of small caps as defined by Numis, you often hear horror stories from investors who’ve been burned looking for hot small caps.   The Alternative Investment Market, or AIM, has been a case in point.   In 2015 the Financial Times noted:

Investing in small, unproven companies is inherently riskier than backing larger, more predictable ones, and AIM’s annualised total return of -1.6 per cent a year when measured over the past two decades is hardly cause for celebration.

Two decades for a negative return? Hardly the gains you’d have hoped for!   AIM can be a tricky market, for reasons we’ll save for another day. But it’s also been a popular one with private investors, attracted by tax breaks as well as the profusion of small companies with great stories.   Sadly, after seeing too many stories go sour – or bust – many investors swear off so-called “penny stock” investing forever.   I’d argue it was the investments went wrong, not the small cap asset class.

Big bust ups

 Smaller companies in general are riskier, yes. Common sense would suggest that.   But larger companies are hardly immune from bankruptcy.   Sticking with AIM, former darlings like ScotOil, African Minerals, and Izodia ballooned into billion pound companies… before going bust.   Blue chip collapses such as HBOS and Northern Rock have further reminded us size does not confer invulnerability from disaster.   Then there’s the idea of penny shares, which I suspect has come to us from the US. Regulators there designate companies with a share price of less than $5 as penny stocks. Investors are warned they’re more speculative, illiquid, and risky   Yet a low share price doesn’t mean much in Britain. The biggest UK companies often prefer to have relatively modest share prices. They may issue new shares to achieve this.   BP (LSE: BP) is one of the largest companies in the world, but its shares only recently breached £5.   Lloyds Banking Group (LSE: LLOY) is a FTSE 100 company with a market cap of £45 BILLION. Yet its shares trade for 65p a pop!   Don’t avoid a company just because of a low share price.

Small wonders

The most important thing to know, though, is that in aggregate smaller companies may demonstrate certain tendencies, but individually they are hugely varied.   One large multinational can seem much like another. Small companies are all snowflakes.   Consider these small caps bucking the prejudices:

Unpredictable? – Brewer Young & Co’s (LSE: YNGA) has increased its dividend payout every year for 19 years. A steady dividend is not hugely unusual among London’s smaller family-founded firms.   Domestically focused? Laser-guided equipment maker Somero Enterprises (LSE: SOM) earns 70% of its revenues in North America, and nearly 10% in China.   Volatile? Shares in construction firm and commercial landlord J Smart (LSE: SMJ) haven’t traded more than 5p other side of 105p for the past 12 months. If that share price graph were an electrocardiogram, the nurses would be pulling off their gloves and turning down the lights.   Fly-by-night? London-based Mountview Estates (LSE: MTVW) has been trading residential homes in the capital since 1937. It’s still managed by the founding family. Don’t talk to it about property boom and bust.   Boring? Specialist tonic pioneer Fevertree Drinks (LSE: FEVR) is now worth more than £1.3bn, but when it listed on AIM five years ago it was valued at less than £200m. Clink!

For stock pickers with the time, interest and skill to discern the best from the rest, small caps offer unrivalled variety – as well as the prospect of super gains.

This small-cap could have 59% upside

If you're looking for small-caps with significant growth potential, then you may want to consider the stock featured in 1 Top Small-Cap Stock From The Motley Fool.

If you'd like to know more about this exciting opportunity, download our free, no-obligation report today. To get your copy, simply click here now.

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Owain own shares in BP and Lloyds Banking Group. The Motley Fool owns shares in Mountview Estates, and has recommended shares in BP and Somero Enterprises. 

[rkilleninsolvencytrustee]

Tax season is here. Like many Canadians, you may discover that you now have tax debt to add to your regular commercial debts: credit cards, loans, etc. This can make it a very stressful time of year. Of course, if you are one of the lucky few who has minimal or no regular debts and have the means to pay what you owe in taxes, you have no problem. If you’re not, you do.