Regarding Today's Sell Offs

  Another Down Trend
 
 
The down move has not been finalized and encompassed enough stock market participants. Speculators continue to hold profits and maintain some certainty that the down move will end and soon reverse. Stock holders are waiting. They are confident that the down move will terminate and an up move will start. They are certain the up-trend will resume. They believe the recent months of selling are a pause in the up trend.
Even today's rapidly declining interest rates have not ameliorated equity price declines nor un-seized credit markets.
Another aspect which further exacerbates the ease at which today's stock markets may someday, relatively soon fall, is the proliferation of stocks that have not split at traditional price points.  These stocks of companies including RIMM, GOOG, GS, CME, DE, AAPL and several others, have in the past split around the 80 to 100 dollar area. Instead, these companies' stocks have been elevated well into triple-digit numbers leaving them and the market vulnerable to a rapid, reflexive wave of selling by participants who sit with large, long-term profits which suddenly feel overvalued and profitable. Fear may easily set in during some unanticipated, overly-emotionalized market condition. Additionally, some old-line industrial companies such as MMM and UTX have traditionally split somewhat over 100 are approaching that territory and could falter in an emotionalized market.
In 1929 RCA stock was over 520. Within two years, at its low, RCA had fallen to less than 5.

Volitility will decrease when the stoically-confident participants holding large gains sell into a very heavy volume providing a large percentage down move. When these participants sell and are washed out of the market, the down move can end. Likely only after even the high-profit holders have surrendered -- dumped -- their positions.
There is no certainty that a significant up move will follow. Today is not October, 1987. Relative stability -- that old non-gaming market pattern -- may not interest many of today's oh-so-smart players. They may not re-enter the game since, for them, markets are only fun when up trends are obvious and can be played like games and anticipated losses are few.
Another Problem:  A recovery today will likely be slower than the bounce-recovery that followed the October, 1987 crash. The investing public and financial professionals have been educated by the myriad of Enrons and WorldComs with their well-known, personalized top-level master planners. Trials pop up from time to time, the dockets remain packed, and the perpetrators are displayed everyday in headlines and business news. The public and every market participant has learned of the lacking ethics of corporate executives and fund managers. Ironically it is most likely that money managers are as unethical, criminally, and greedily-oriented as their counterparts at most other corporations and funds. And so on, around and around in 3-dimensional spiraling concentric circles of greedy, unethical, borderline criminal behavior. But markets are based upon trust. Nowhere, not even for companies listed on the old-line NYSE, might a corporation or fund be implicitly trusted to have produced a thoroughly legitimate financial statement. Without trust in underlying financial integrity, markets will move with sluggish indifference and be weighed down by sellers who sell into each rally to eliminate their over-hanging loses.

There is are similarities in today's high-flown stock markets and the multi-decade housing cost inflation phase. Much of the past decades' seemingly unending housing price up-trend may be justified under the guise that, "People need a place to live. There are more people seeking homes than ever before".
However many so-called homes are second and third dwellings and time-shares. Also and separately, there are quantifiable rational limits to the extent that today's two-wage earner households are able to sustain and how many defaults lenders can financially tolerate and sustain their own viability. And further separately, there many "home owners" who were extended more credit than should ever have been justified. These people are the "weak hands" and weakly fortitude individuals holding a significant segment of the real estate market. They may not care or have any intent of working to sustain their housing and credit lines. These borrowers may desert their housing, thereby leaving lenders holding assets declining in value and with indeterminate valuations that, when marked-to-market, cannot rationally match their home owners' mortgage defaulted valuations.
Interest rates are one of the powerful forces impacting financial markets. Interest rates must be factored in to decisions and anticipated to have significant impact upon prices.

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