Global Market Overview:�KBE Pops On Morgan Stanley, XLE Jumps As Oil Tops $108Following today�� upbeat economic reports, all three major U.S. equity indexes managed to close in positive territory.�The�S&P�500 ETF traded 0.55% higher, while the�Dow Jones Industrial Average ETF rose 0.58% ��both indexes climbed above their previous record highs. The tech-heavy�Nasdaq�ETF slipped 0.21%, thought its underlying index finished up 0.04% on the day.
Best Solar Companies To Buy Right Now: CEL-SCI Corp (CVM)
CEL-SCI Corporation (CEL-SCI), incorporated on March 22, 1983, is engaged in the business of Multikine cancer therapy; New cold fill manufacturing service to the pharmaceutical industry, and ligand epitope antigen presentation System (LEAPS) technology, with two products, hemagglutinin type 1 and neuraminidase type 1 (H1N1) swine flu treatment for H1N1 hospitalized patients and CEL-2000, a rheumatoid arthritis treatment vaccine.
Multikine
CEL-SCI's Multikine, is being developed for the treatment of cancer. It is a cancer immunotherapy drugs called Combination Immunotherapy because it combines active and passive immunity in one product. It is the only cancer immunotherapy that both kills cancer cells and activates the general immune system to destroy the cancer. Multikine target the tumor micro-metastases for treatment failure. Multikine is also applicable in many other solid tumors.
New Manufacturing Facility
CEL-SCI's facility manufactures Multikine for CEL-SCI's Phase III clinical trial. CEL-SCI offers the use of the facility as a service to pharmaceutical companies and others, particularly those that need to fill and finish their drugs in a cold environment. Fill and finish is the process of filling injectable drugs in a sterile manner.
LEAPS
CEL-SCI's patented T-cell Modulation Process uses heteroconjugates to direct the body to choose a specific immune response. The heteroconjugate technology, referred to as LEAPS, is intended to stimulate the human immune system to fight bacterial, viral and parasitic infections, as well as autoimmune, allergies, transplantation rejection and cancer. Administered like vaccines, LEAPS combines T-cell binding ligands with small, disease associated and peptide antigens.
Using the LEAPS technology, CEL-SCI has created a peptide treatment for H1N1 (swine flu) hospitalized patients. This LEAPS flu treatment is designed to focus on the conserved, non-changing epitopes of the di! fferent strains of Type A Influenza viruses, including swine, avian or bird, and Spanish Influenza. CEL-SCI's LEAPS flu treatment contains epitopes.
Advisors' Opinion:- [By Bryan Murphy]
To say that 2014 has been a good year so far for CEL-SCI Corporation (NYSEMKT:CVM) would be an understatement. It's been a great year for the company, and more specifically, its shareholders. CVM is up 96% year-to-date, cutting into a big chunk of the loss that was suffered in 2013. And, though a near-doubling in less than a month would normally be an invitation to a painful wave of profit-taking, in the case of CEL-SCI, the situation says this is one of those rallies that could get hotter the hotter it gets.
Hot Up And Coming Stocks To Buy For 2014: Tompkins Financial Corp (TMP)
Tompkins Financial Corporation (Tompkins) is a bank holding company. The Company is a locally oriented, community-based financial services company that offers an array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, insurance, and brokerage services. The Company operates in two segments: banking and financial services. Banking services consist primarily of attracting deposits from the areas served by the Company�� banking subsidiaries��45 banking offices and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Financial services activities consist of the results of the Company�� trust, financial planning and wealth management services, broker-dealer services, and insurance and risk management operations. On June 1, 2011, its subsidiary, Tompkins Insurance Agencies, Inc. (Tompkins Insurance), acquired Olver & Associates, Inc. (Olver), a property and casualty insurance agency. In August 2012, it acquired VIST Financial Corp.
The Company maintains a portfolio of securities, such as obligations of the United States Government agencies and the United States Government sponsored entities, obligations of states and political subdivisions thereof, and equity securities. Tompkins provides a variety of financial services to individuals and small business customers.
Commercial Services
The Company�� subsidiary banks provide financial services to corporations and other business clients. Lending activities include loans for a variety of business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing. Other commercial services include deposit and cash management services, letters of credit, sweep accounts, credit cards, purchasing cards, Internet-based account services, and remote deposit ser! vices.
Retail Services
The Company�� subsidiary banks provide a variety of retail banking services, including checking accounts, savings accounts, time deposits, individual retirement accounts (IRA) products, brokerage services, residential mortgage loans, personal loans, home equity loans, credit cards, debit cards and safe deposit services. Retail services are accessible through a variety of delivery systems, including branch facilities, automated teller machines (ATMs), voice response, Internet banking, and remote deposit services.
Trust and Investment Management Services
The Company offers a range of financial services to customers, including trust and estate services, investment management, and financial and insurance planning. These services are offered through Tompkins Investment Services (TIS), a division of Tompkins Trust Company, and AM&M. Tompkins Financial Advisors has office locations at all three of the Company�� subsidiary banks, and provides a range of money management services, including investment management, trust and estate, financial and tax planning, as well as life, disability and long-term care insurance services.
Broker-Dealer Services
AM&M operates a broker-dealer subsidiary, Ensemble Financial Services, Inc. Ensemble Financial Services, Inc. is an outsourcing company for financial planners and investment advisors.
Insurance Services
The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance. Tompkins Insurance is an independent insurance agency. Tompkins Insurance has automated systems for record keeping, claim processing and coverage confirmation, and can provide insurance pricing comparisons from a range of insurance companies. Tompkins Insurance provides employee benefits consulting to employers in Western and Central New York, assisting them with their medical, group life insurance and group disability in! surance. ! In addition to its seven offices, Tompkins Insurance shares several offices with The Bank of Castile and The Trust Company. AM&M also provides insurance services for financial planning and wealth management clients, offering risk management plans using life, disability and long-term care insurance products.
Subsidiary Activities
The Company�� subsidiaries include: three wholly owned banking subsidiaries, Tompkins Trust Company (the Trust Company), The Bank of Castile, and The Mahopac National Bank (Mahopac National Bank); AM&M Financial Services, Inc., doing business as Tompkins Financial Advisors, a wholly owned and an investment advisor (AM&M), and a wholly owned insurance agency subsidiary, Tompkins Insurance. AM&M and the trust division of the Trust Company provides an array of investment services under the Tompkins Financial Advisors division, including investment management, trust and estate, financial and tax planning, as well as life, disability and long-term care insurance services. The Trust Company has a full-service office in Cortland, New York and a full-service office in Auburn, New York. Both of these offices are located in counties contiguous to Tompkins County. The Trust Company operates 15 banking offices, including two limited-service banking offices in the counties of Tompkins, Cortland, Cayuga and Schuyler, New York.
The Bank of Castile is a New York State-chartered commercial bank and conducts its operations through its 15 banking offices, in towns situated in and around the areas commonly known as the Letchworth State Park area and the Genesee Valley region of New York State. The Bank of Castile�� lending portfolio includes loans to the agricultural industry. The Mahopac National Bank (Mahopac National Bank) operates 15 banking offices, including one limited-service office in counties north of New York City. The 15 banking offices include five full-service offices in Putnam County, New York, three full-service offices in Dutchess County,! New York! , and six full-service offices, and one limited-service office in Westchester County, New York.
Tompkins Insurance Agencies, Inc. (Tompkins Insurance) offers property and casualty insurance to individuals and businesses primarily in Western and Central New York. AM&M Financial Services, Inc. (AM&M) offers financial services through three operating companies: AM&M Planners, Inc., which provides fee-based financial planning and wealth management services for corporate executives, small business owners and high-net-worth individuals; Ensemble Financial Services, Inc., an independent broker-dealer and outsourcing company for financial planners and investment advisors, and Ensemble Risk Solutions, Inc., which creates customized risk management plans using life, disability and long-term care insurance products. Tompkins Capital Trust I and Sleepy Hollow Capital Trust I are Delaware statutory business trusts.
Advisors' Opinion:- [By Marc Bastow]
Ithaca, N.Y.-based financial services company Tompkins Financial (TMP) raised its quarterly dividend 5.3% to 40 cents per share, payable Nov. 15 to shareholders of record as of Nov. 4.
TMP Dividend Yield: 3.25% - [By Fredrik Arnold]
Tompkins Financial Corp. (TMP) netted $44.97 based on a mean target price estimate from three analysts combined with projected annual dividend less broker fees. The Beta number showed this estimate subject to volatility 27% less than the market as a whole.
Hot Up And Coming Stocks To Buy For 2014: Crosstex Energy L.P.(XTEX)
Crosstex Energy, L.P. operates as an independent midstream energy company. The company, through its subsidiary, Crosstex Energy Services, L.P., engages in gathering, transmission, processing, and marketing natural gas and natural gas liquids (NGLs) in the north Texas Barnett shale area and Louisiana. Its activities include connecting the wells of natural gas producers to its gathering systems; processing natural gas for the removal of NGLs; fractionating NGLs into purity products, such as ethane, propane, isobutene, normal butane, natural gasoline, and stabilized condensate; marketing those NGL products; transporting natural gas; and providing it to various markets. The company also purchases natural gas from natural gas producers and other supply sources, and sells that natural gas to utilities, industrial consumers, and other marketers and pipelines. In addition, it purchases natural gas from producers not connected to its gathering systems for resale. The company operat es approximately 3,300 miles of natural gas gathering and transmission, and NGL pipelines. Crosstex Energy GP, LLC serves as the general partner of the company. Crosstex Energy, L.P. was founded in 1992 and is headquartered in Dallas, Texas.
Advisors' Opinion:- [By Paul Ausick]
Crosstex Energy�� (XTXI) shares are up 59.4% at $32.84 after posting a new 52-week high of $34.21. Crosstex Energy LP�� (XTEX) shares are up 38% at $28.08 after putting up a new high of $29.50 earlier.
- [By Matt DiLallo]
While the data is by no means conclusive, it is a risk that bears watching. A variety of companies are drilling these disposal wells, with master limited partnerships like Crosstex Energy (NASDAQ: XTEX ) being one of the many to watch. The company owns an interest in seven disposal wells in Ohio and West Virginia with another well coming on line soon. These wells are designed to simply dispose of the wastewater. Even if the wells prove not to be the cause, the business of owning disposal wells could be tougher to grow because of the�perceived�risk.
- [By Robert Rapier]
Some of the criteria for inclusion into this index are that units must have a market capitalization of at least $500 million and trade on the New York Stock Exchange or the Nasdaq. Component partnerships will have also maintained or grown distributions quarter-over-quarter for at least one of the trailing two quarters, and they must have a policy intended to consistently maintain or increase distributions over time (i.e., no variable-distribution MLPs).
Because this is an equal-weighted, periodically rebalanced index, top holdings show the MLPs that have outperformed the overall index, while the biggest losers will be found at the bottom of the portfolio. Presently, Crosstex Energy (Nasdaq: XTEX) comprises 6.4 percent of the overall index, reflecting its nearly 30 percent gain in October. Regency Energy Partners (NYSE: RGP) has been the laggard of the group (albeit just barely), falling to 4.84 percent of the overall index makeup.
The total market cap of the ANGI is $190 billion, and the one-, three- and five-year total returns are 29 percent, 52 percent and 249 percent. The index yield is 6 percent.
Hot Up And Coming Stocks To Buy For 2014: Bankrate Inc (RATE)
Bankrate, Inc. (Bankrate), incorporated on April 13, 2011, is a publisher, aggregator and distributor of personal finance content on the Internet. The Company provides consumers with personal finances editorial content across multiple vertical categories, including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. The Company provides financial applications and information to a network of distribution partners and through national and state publications. The Company develops and provides Web services to over 75 co-branded partners, including personal finance sites on the Internet such as Yahoo!, CNN Money, CNBC and Comcast. The Company licenses editorial content to over 100 newspapers on a daily basis, including including The Wall Street Journal, USA Today, The New York Times, The Los Angeles Times and The Boston Globe. The Company offers services, including Mortgages and Home Lending, Deposits, Insurance, Credit Cards and Other financial products, including those related to retirement, tax, auto, and debt management.
The Company online publishing, is the sale of advertising, sponsorships, leads and hyperlinks, and lead generation within its Online Network through Bankrate.com, Interest.com, Bankaholic.com, Mortgage-calc.com, CreditCardGuide.com, Nationwidecardservices.com, Creditcardsearchengine.com, Feedisclosure.com, Insureme.com, Bankrate.com.cn (China), CreditCards.com, Creditcards.ca, Netquote.com, CD.com, CarInsuranceQuotes.com and InsWeb.com. The print publishing and licensing business is primarily engaged in the sale of advertising in the Mortgage Guide and CD & Deposit Guide.
Mortgages and Home Lending
The Company offers information on rates for different types of mortgages, home lending and refinancing options. The Company�� rate information is specific to geographic location and contains nearly 600 local markets, covering all 50 United States. Consumers can customize searches for mor! tgage rates by loan size, maturity, and location through its online portals. The Company also provides original articles that cover topics, such as trends in housing markets and refinancing perspectives to help consumers with their decision making.
Deposits
The Company offers rate information on different deposit products, such as money market accounts, savings accounts and certificates of deposit. It also provides online analytic tools to help consumers calculate investment value using customized inputs.
Insurance
The Company facilitates a consumer�� ability to receive multiple competitive insurance quotes for auto, business, home, life, health and long-term care based on a single application. It also provides advice and detailed descriptions of insurance terms, aiding consumers in deciding amongst a range of policy options. Insurance quotes can be customized by age, marital status and location. In addition, the Company provides articles on topical subjects, such as recent healthcare reforms, as well as the basics to understanding an insurance policy.
Credit Cards
The Company offers a selection of consumer and business credit and prepaid cards for visitors. It provides detailed credit card information and comparison capabilities, and allows consumers to search for cards that cater to their specific needs. It displays cards by bank or issuer, credit quality, reward program, or card limit. The Company further hosts news and advice on credit card debt and bank policies, as well as tools to estimate credit score and credit card fees.
Other Personal Finance Products
The Company offers information on retirement, taxes, auto, and debt management. The content provided on such topics include 401(k), Social Security, tax deductions and exemptions, auto loans, debt consolidation, and credit risk.
The Company sells leads to insurance agents, insurance carriers and credit card issuers. Its credit c! ard compa! rison marketplace is one of the third party online application sources for all issuers. The Company charges its advertisers on a per-lead basis based on the total number of leads generated for insurance products, and on a per-action basis for credit cards (upon approval or completion of an application). Advertisers that are listed in the Company�� rate tables have the opportunity to hyperlink their listings. In addition, advertisers can buy hyperlinked placement within its qualified insurance listings. It sells its hyperlinks on a per-click pricing model. The Company provides a variety of digital display formats. Its common digital display advertisement sizes are leader boards and banners, which are prominently displayed at the top or bottom of a page, skyscrapers, islands and posters. The Company charges for these advertisements based on the number of times the advertisement is displayed or based on a fixed amount for a campaign.
Advisors' Opinion:- [By Jake L'Ecuyer]
Shares of Bankrate (NYSE: RATE) got a boost, shooting up 20.92 percent to $21.05 after the company reported better-than-expected Q4 results.
Coty (NYSE: COTY) was also up, gaining 7.36 percent to $14.73 after the company reported strong Q2 revenue and announced a $200 million share buyback program.
- [By Rich Smith]
Alamy You've probably heard by now that in some vague way, your credit rating has something to do with the premiums your auto insurance company charges you for coverage. But if you're like me, you've probably never quite understood the details of how this work. Fortunately, the good folks at InsuranceQuotes.com -- a subsidiary of Bankrate (RATE) -- recently published a report that draws back the curtain on this little-understood quirk of the insurance industry. Blame it on FICO Used to be, the rate you paid for insuring your car was tied primarily to demographic and personal factors that were clearly connected to the risk that you'd damage your car and ask the insurance company to pay for it: things like your age, sex, marital status, and driving history. It won't surprise anyone that younger, unmarried men are more likely to be risky drivers than soccer moms, and should therefore pay higher premiums. But about 20 years ago, the folks at Fair Isaac Corporation (FICO) found a correlation between low credit scores and a higher risk of filing an insurance claim. That's not causation, of course -- having bad credit doesn't somehow cause you to crash your car. But according to FICO, "people who choose to effectively manage their finances are also less likely to have future insurance losses." Conversely, there is a "statistical correlation between a person's credit score and the likelihood that he or she will file an auto insurance claim in the future." Suddenly, FICO had a new way to hawk its credit histories to insurance companies -- and insurance companies had a new excuse to raise your rates. News Flash: Everybody Does It Ever since, insurance companies have used this finding to tweak the rates they charge you for insurance. Today, says InsuranceQuotes, "about 97 percent of U.S. insurance companies" do it. But how do they do it, exactly?
- [By Rich Smith]
Goldman Sachs thinks Bankrate must fall�
Our marquee ratings change this morning is Bankrate (NYSE: RATE ) , operator of the website of the same name, and many home shoppers' and credit card customers' go-to site for finding up-to-date rates on financial products. Goldman Sachs downgraded the stock to "sell" this morning, and they're not shy about telling you why. - [By WWW.DAILYFINANCE.COM]
Shutterstock It's common knowledge that car insurance companies charge different rates to different sorts of people -- in particular, male people and young people. But it's still news when it's revealed just how much premiums differ. Recently, the insurance rate experts at Bankrate.com (RATE) subsidiary insuranceQuotes.com did some digging into this issue. Crunching the numbers on car insurance rates in every U.S. ZIP code and canvassing 60 percent to 70 percent of the insurance companies operating within each such ZIP code, iQ highlighted age, gender and marital status as three of the most important factors affecting car insurance rates. Combined, they can cost one driver as much as 50 percent more for insurance than another, similar driver is forced to pay. Here's how. Age The highest premiums are levied on the youngest drivers -- the ones just entering the workforce and least able to afford pricey insurance. On average, a 20-year-old man driver can expect to pay roughly twice the rate charged a 25-year-old male driver for the same car insurance. For women, this "youth surcharge" on a 20-year old driver is nearly as bad -- about 64 percent. Gender You probably noticed that already we're seeing a difference in rates charged for boys as opposed to girls -- 20-year-old male drivers paying twice their elders' rates, while 20-year-old females pay "only" 64 percent more. What this works out to, according to iQ's data, is a sort of 23 percent penalty on "maleness." For 20-year-old drivers, a male will pay 23 percent more for insurance than his female counterpart. Insurers say this is because women are less likely than men, on average, to file claims for car damage -- and so are cheaper to insure. The good news here, is that this gender penalty rapidly evens out as drivers age. By age 25, for example, men's gender penalty drops to just a 4 percent premium over what women pay. And soon after that, the pendulum swings in the other direction. As iQ reports: "betw
Hot Up And Coming Stocks To Buy For 2014: UMH Properties Inc.(UMH)
UMH Properties, Inc. (UMH) is a real estate investment trust. The firm engages in the ownership and operation of manufactured home communities. It leases manufactured home spaces to private manufactured home owners, as well as leases homes to residents. The firm invests in the real estate markets of New York, New Jersey, Pennsylvania, Ohio, and Tennessee. In addition, it invests in debt and equity securities of REITs. United Mobile Homes was incorporated in 1968. The company was formerly known as United Mobile Homes, Inc. UMH Properties is based in Freehold, New Jersey.
Advisors' Opinion:- [By John Udovich]
Trailer parks may have a bad reputation, but Yahoo! Finance�� Breakout segment was recently touting trailer parks as a hot new investment area���meaning its time for retail investors who don�� want to invest in physical parks to start taking a closer look at trailer park stocks Equity Lifestyle Properties, Inc (NYSE: ELS), Sun Communities Inc (NYSE: SUI) and UMH Properties, Inc (NYSE: UMH). According to the segment, roughly 6% of Americans lived in trailer homes as of 2012 with the�supply of designated trailer parks being quite low because no one wants one in their backyard. Anthony Effinger, the author of another article about trailer parks for Bloomberg, was quoted as saying:
Hot Up And Coming Stocks To Buy For 2014: (ACS)
ACS Motion Control, Ltd. develops and manufactures multi-axis motion controllers and integrated control modules for customers in Israel and internationally. It offers controllers, drives, interfaces, I/O products, and accessories for use in various applications, such as semiconductors, electronic assembly, FPD, bio medical, medical scanners, digital printing, laser processing, and motion centric. The company also provides support services. Its products are used in packaging, printing, robotics, linear stage control, semiconductor manufacturing and testing, electronic assembly and testing, medical imaging, and digital printing industries. ACS Motion Control, Ltd. was formerly known as ACS-Tech 80 Ltd. and changed its name to ACS Motion Control, Ltd. in March 2006. The company was founded in 1985 and is based in Migdal Ha-Emek, Israel. It has sales and support centers in the United States, China, and South Korea.
Advisors' Opinion:- [By Victor Selva]
In February 2010, the company acquired Affiliated Computer Services (ACS) for approximately $6.4 billion in stock and cash. Last year, Xerox acquired WaterWare Internet Services with a view to upgrade its DocuShare enterprise content management (ECM) platform. WaterWare�� services include Web application and software development, integration and customization. It also purchased the U.K.-based Concept Group, increasing its presence in the UK market while working in parallel with other distribution channels in the region.
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