Three Trends to Look for Before Jumping Back into Small Caps
Share this Article
Looking at valuation, it seems right now is the perfect time to start buying.
After dropping 16% in three weeks, the S&P 500 is trading at its cheapest levels in decades. In fact, more than 25% of the S&P 500 is trading below 10 times forward earnings.
That’s super-cheap given S&P earnings for the current quarter grew more than 17%.
But I’m not buying yet.
I want to see three things happen before I put a good amount of money to work…
Investors who are struggling to find the right opportunity to buy stocks should first look for…
The Volatility Index (the “VIX”) to ease back below 25.
Insiders to start buying.
Corporations to initiate share buybacks.
Let’s start with the VIX…
The more volatile the market, the higher the VIX goes, And usually, when the VIX is climbing, stocks are falling.
As you can see from the chart below, the VIX has been trading between 15 and 25 (marked
with the blue lines) for most of the past two years… And the market has been climbing most of that time. But two weeks ago, the VIX surged past 40…
The last two times the “fear index” traded above 40 was during the minor correction in June 2010 and the credit crisis in 2008. Both times, we saw massive swings in stocks.
Most small-cap stocks were trading in 40% ranges on a weekly basis. It was almost impossible to hold stocks for longer than a week without getting stopped out.
But when the VIX is below 25, the markets are less prone to these massive price swings. So I feel more comfortable investing in the market with the VIX below 25 than above. (You can track the VIX on Yahoo Finance with the symbol ^VIX.)
Another trend to look for is insider buying. There’s nothing that gives investors more confidence in a company than a CEO buying shares. After the 20% pullback in stocks since May – and a 50%-plus drop in small-caps like AOL (tech), Dendreon (biotech), and Stereotaxis (medical devices) – we should see insiders step up to the plate. (You can watch the number of insider buys here.)
The last trend I want to see before jumping back into stocks is corporate buybacks. S&P 500 companies are carrying more cash on their balance sheets ($1.2 trillion) than any other time in history.
It would be nice if (for once) these companies used their cash hoards to buy their stock at 52-week lows – instead of 52-week highs. Corporate buybacks will lead to stronger bottom lines (profits). Also, robust earnings will lead to more confidence in the markets. (You can see which companies are buying back shares here.)
Waiting for these three trends to develop will reduce your odds of buying into a falling stock market too early. And I’ll let you know as soon as I see them line up.
Good investing,
Frank Curzio
|
3:28 pm
This is first time to this site. It says, You can see which companies are buying back shares here. Usually, I just see in the news that companies are buying back their shares. Is there a site can I see where companies are reporting authorization of buy-backs and when they actually buy?-
4:05 pm
You can see which companies are buying back shares http://www.theonlineinvestor.com/buybacks/
You can see which companies are buying back shares http://finviz.com/insidertrading.ashx?tc=1
4:47 am
Great post. I learn something tougher on different blogs daily. It will always be stimulating to see content from other writers and practice a little something from their store. I’d prefer to use some with the content on my weblog whether you don’t intellect. Natually I’ll give that you simply link on your net blog. Thanks for sharing.
11:31 pm
I came across your blog site with google and check a few of your early posts. Continue to keep the very good operate. I just additional up your Feed to my MSN News Reader. Seeking forward to reading more from you at a later date! ….
7:47 pm
Wow what a site for this topic. Anyway please visit my website for some more information and great tips.
3:10 am
What i don’t realize is in truth how you’re no longer actually a lot more smartly-preferred than you may be right now. You are so intelligent. You recognize thus significantly in terms of this matter, made me in my opinion imagine it from so many varied angles. Its like men and women are not fascinated except it?s something to accomplish with Lady gaga! Your own stuffs nice. Always maintain it up!
9:05 am
I simply want to tell you that I’m beginner to blogging and certainly savored this web-site. Most likely I’m likely to bookmark your blog . You definitely come with great posts. Cheers for sharing with us your web site.
8:05 pm
I’m not sure why but this website is loading very slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later and see if the problem still exists.
8:30 am
Good day! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.
8:46 pm
http://eng.perdais.com/?p=3707
4:11 pm
We absolutely do not provide service for spics DO NOT CALL ever!
9:10 am
Hi there! Do you use Twitter? I’d like to follow you if that would be ok. I’m definitely enjoying your blog and look forward to new updates.
11:33 am
I just added this webpage to my google reader, excellent stuff. Can’t get enough!
4:57 pm
I love your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to create my own blog and would like to know where u got this from. many thanks
11:17 pm
Hola! I’ve been following your website for a long time now and finally got the courage to go ahead and give you a shout out from Houston Texas! Just wanted to mention keep up the good work!
8:04 am
When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove people from that service? Thanks a lot!
12:51 pm
I’m really enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a developer to create your theme? Superb work!
1:24 pm
I do enjoy the way you have presented this particular issue and it really does give me some fodder for thought. On the other hand, through what precisely I have seen, I basically hope when other opinions pack on that people today keep on issue and in no way get started upon a soap box associated with the news du jour. Yet, thank you for this excellent point and though I can not really agree with the idea in totality, I respect your standpoint.
2:40 pm
Hello! I just wish to give an enormous thumbs up for the great data you have right here on this post. I will likely be coming back to your weblog for more soon.
1:53 am
Good day! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?
8:16 am
I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% sure. Any tips or advice would be greatly appreciated. Thank you
5:08 am
Hello! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?
8:10 am
Hmm it looks like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any tips for beginner blog writers? I’d certainly appreciate it.
8:18 am
Wonderful blog! I found it while searching on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Many thanks
7:39 pm
Thank you, I have been searching for details about this subject for ages and yours is the best I’ve found so far.
6:55 am
Whoa! This blog looks exactly like my old one! It’s on a completely different topic but it has pretty much the same layout and design. Excellent choice of colors!
3:59 pm
In the grand pattern of things you actually secure an A just for effort. Where exactly you lost everybody was first on your specifics. As as the maxim goes, details make or break the argument.. And that could not be more correct in this article. Having said that, allow me inform you exactly what did do the job. Your authoring can be incredibly persuasive which is most likely why I am taking an effort to opine. I do not make it a regular habit of doing that. Next, despite the fact that I can easily notice the jumps in reason you come up with, I am not convinced of exactly how you appear to unite your ideas which inturn produce the conclusion. For right now I shall yield to your issue however wish in the near future you link the dots much better.
4:04 am
I really like your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to create my own blog and would like to find out where u got this from. appreciate it
10:41 pm
You are not the general blog author, man. You certainly have something important to add to the net. Such a great blog. I will be back for more.
10:57 pm
I am really enjoying the theme/design of your weblog. Do you ever run into any web browser compatibility problems? A few of my blog audience have complained about my site not operating correctly in Explorer but looks great in Firefox. Do you have any tips to help fix this issue?
7:46 am
Amazing! This blog looks just like my old one! It’s on a entirely different topic but it has pretty much the same layout and design. Excellent choice of colors!
11:04 am
With havin so much content and articles do you ever run into any issues of plagorism or copyright violation? My blog has a lot of exclusive content I’ve either written myself or outsourced but it looks like a lot of it is popping it up all over the web without my permission. Do you know any methods to help stop content from being ripped off? I’d truly appreciate it.
12:12 pm
Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and everything. Nevertheless imagine if you added some great graphics or videos to give your posts more, “pop”! Your content is excellent but with images and videos, this blog could definitely be one of the very best in its niche. Wonderful blog!
10:57 pm
I just sent this post to a bunch of my friends as I agree with most of what you’re saying here and the way you’ve presented it is awesome.
9:46 pm
Hey! This post could not be written any better! Reading this post reminds me of my good old room mate! He always kept talking about this. I will forward this page to him. Pretty sure he will have a good read. Thank you for sharing!
9:21 am
Hey there! I know this is kind of off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!
8:47 am
Virtually all of what you say is astonishingly accurate and it makes me wonder the reason why I hadn’t looked at this with this light before. This particular piece truly did turn the light on for me as far as this specific issue goes. However at this time there is one particular issue I am not really too comfy with so whilst I make an effort to reconcile that with the central idea of the point, allow me see exactly what all the rest of your visitors have to point out.Well done.
5:41 am
De nombreuses fonctionnalités inédites sur annuaires-gratuit.com, annuaires.
6:27 am
Sukoga.com est un moteur de recherche français toutes catégories classées par thèmes.
11:28 am
An interesting discussion is value comment. I believe that it’s best to write extra on this topic, it might not be a taboo topic however typically people are not enough to speak on such topics. To the next. Cheers
9:08 pm
That’s great, I never thought about Nostradamus in the OR
6:11 am
¨You really know your stuff… Keep up the good work!〃
8:08 pm
I am not sure where you are getting your info, but good topic. I needs to spend some time learning much more or understanding more. Thanks for fantastic information I was looking for this info for my mission.
9:47 pm
My developer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am concerned about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress content into it? Any help would be really appreciated!
9:58 am
Top-notch story it is without doubt. We have been searching for this information.
8:21 pm
Wow that was odd. I just wrote an incredibly long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say fantastic blog!
7:55 am
I liked as much as you will obtain performed proper here. The sketch is attractive, your authored material stylish. nonetheless, you command get got an impatience over that you want be turning in the following. sick undoubtedly come more earlier once more as precisely the same just about a lot regularly inside of case you defend this hike.
12:26 pm
[...] Aunque el dominio principal de WikiLeaks ha sido cancelado, existen diversas “direcciones espejo” para acceder al sitio hay muchas más: [...]
9:44 pm
I don¡¦t even understand how I stopped up here, but I thought this submit used to be great. I don’t know who you’re but certainly you’re going to a famous blogger if you are not already
Cheers!
3:43 pm
Thanks for the good writeup. It in truth was once a amusement account it. Glance complex to far added agreeable from you! By the way, how could we keep in touch?
5:14 pm
Awesome. We need more sites with this very useful info. Thanks.
5:18 pm
That is really fascinating, You’re an excessively skilled blogger. I have joined your rss feed and stay up for searching for extra of your great post. Additionally, I have shared your site in my social networks!
9:32 pm
הובלות מסוימות נגמרות בדרך טובה והובלות אחרות נגמרות בדרך לא מוצלחת. כיצד אתה רוצה הובלות כדאיות?
11:55 am
Woah! I’m really loving the template/theme of this site. It’s simple, yet effective. A lot of times it’s very difficult to get that “perfect balance” between superb usability and appearance. I must say that you’ve done a amazing job with this. Also, the blog loads extremely fast for me on Opera. Superb Blog!
10:36 pm
I do not even understand how I stopped up right here, but I assumed this put up was once great. I don’t realize who you’re but definitely you’re going to a well-known blogger if you happen to aren’t already
Cheers!
11:15 am
Excellent share indeed. I have been waiting for this info.
5:56 pm
Pa Photo Booth, once thought of largely being family vacation-time uniqueness, are experiencing a revival in recognition in recent times. Truthfully picture booth are generally simply no longer relegated to shore walks and game facilities; instead, they may be starting to be an extremely featured fixture at social gatherings, ranging from special birthday celebrations and Bat Mtzvahs to events and business parties.
10:10 pm
Amazing! This blog looks just like my old one! It’s on a totally different subject but it has pretty much the same layout and design. Wonderful choice of colors!
5:58 am
Thank you for an additional fantastic write-up. Where else could anyone get that kind of info in these a perfect way of writing? I’ve a presentation next week, and I’m to the appear for this kind of data.
11:42 am
The very heart of your writing whilst sounding reasonable in the beginning, did not really sit properly with me after some time. Somewhere throughout the sentences you actually were able to make me a believer but just for a very short while. I however have a problem with your leaps in logic and one might do well to help fill in those gaps. If you actually can accomplish that, I will definitely be impressed.
11:28 pm
An interesting dialogue is price comment. I think that you must write extra on this matter, it might not be a taboo topic however generally people are not enough to talk on such topics. To the next. Cheers Ben
11:50 pm
Currently it looks like Movable Type is the top blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?
6:12 am
You acquired a really useful blog site I have been here reading for about an hour. I’m a newbie and your achievement is very a lot an inspiration for me.
8:30 am
wonderful points altogether, you simply gained emblem reader. What could you recommend about your publish that you made some days ago? Any sure?
12:51 pm
Hello comfortable home-page. The number of times ever if you want to website? Meets
4:46 pm
Almost all of the things you point out happens to be supprisingly appropriate and that makes me wonder why I hadn’t looked at this in this light before. This particular piece really did switch the light on for me personally as far as this particular subject goes. Nevertheless at this time there is actually one particular factor I am not too cozy with so whilst I make an effort to reconcile that with the main idea of your position, allow me see just what the rest of the visitors have to say.Nicely done.
9:07 pm
Excellent post but I was wondering if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit further. Thanks!
12:13 pm
It’s onerous to search out knowledgeable people on this matter, however you sound like you know what you’re talking about! Thanks
4:29 pm
Un Torrent d ‘annuaires sur annuaires-gratuit.com, obtenez des backlink gratuitement.
7:25 pm
Sweet blog! I found it while browsing on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thanks
3:22 am
I am really loving the theme/design of your blog. Do you ever run into any browser compatibility issues? A small number of my blog readers have complained about my blog not operating correctly in Explorer but looks great in Firefox. Do you have any ideas to help fix this problem?
4:22 am
Hi there I am so glad I found your blog, I really found you by error, while I was looking on Google for something else, Anyhow I am here now and would just like to say thanks for a tremendous post and a all round exciting blog (I also love the theme/design), I don’t have time to go through it all at the minute but I have book-marked it and also added in your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the awesome job.
7:26 am
Howdy! Would you mind if I share your blog with my facebook group? There’s a lot of people that I think would really enjoy your content. Please let me know. Thank you
6:26 pm
Wow that was strange. I just wrote an really long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Regardless, just wanted to say superb blog!
8:58 pm
Admiring the commitment you put into your blog and in depth information you present. It’s nice to come across a blog every once in a while that isn’t the same outdated rehashed information. Excellent read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.
4:40 am
Whats up are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you require any coding knowledge to make your own blog? Any help would be greatly appreciated!
8:43 pm
Hmm it appears like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to the whole thing. Do you have any suggestions for beginner blog writers? I’d definitely appreciate it.
6:44 am
Howdy! I know this is kinda off topic but I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My website discusses a lot of the same topics as yours and I feel we could greatly benefit from each other. If you are interested feel free to shoot me an email. I look forward to hearing from you! Fantastic blog by the way!
11:39 am
Hello there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone. I’m trying to find a template or plugin that might be able to correct this problem. If you have any recommendations, please share. Thank you!
5:03 pm
I’m really enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a developer to create your theme? Fantastic work!
5:31 pm
We absolutely love your blog and find many of your post’s to be just what I’m looking for. Does one offer guest writers to write content in your case? I wouldn’t mind creating a post or elaborating on many of the subjects you write regarding here. Again, awesome blog!
4:59 am
Have you ever considered about adding a little bit more than just your articles? I mean, what you say is valuable and all. However think of if you added some great visuals or videos to give your posts more, “pop”! Your content is excellent but with images and clips, this blog could certainly be one of the most beneficial in its field. Great blog!
8:37 am
A lot of of the things you mention is supprisingly precise and that makes me wonder why I hadn’t looked at this in this light before. This particular piece really did switch the light on for me personally as far as this topic goes. Nonetheless at this time there is just one issue I am not really too cozy with so while I make an effort to reconcile that with the actual core idea of your position, allow me observe just what the rest of your visitors have to say.Very well done.
8:54 pm
Please let me know if you’re looking for a writer for your blog. You have some really great posts and I feel I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Thank you!
5:28 am
I’m curious to find out what blog system you’re utilizing? I’m experiencing some minor security problems with my latest website and I would like to find something more secure. Do you have any suggestions?
1:30 am
Have you ever considered about adding a little bit more than just your articles? I mean, what you say is fundamental and all. But imagine if you added some great pictures or videos to give your posts more, “pop”! Your content is excellent but with images and clips, this blog could undeniably be one of the very best in its niche. Very good blog!
9:24 am
Great post however , I was wondering if you could write a litte more on this subject? I’d be very grateful if you could elaborate a little bit further. Cheers!
9:53 am
יש להם שירות מצוין
10:41 am
I love your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to construct my own blog and would like to find out where u got this from. kudos
5:46 am
Woah! I’m really loving the template/theme of this site. It’s simple, yet effective. A lot of times it’s hard to get that “perfect balance” between superb usability and visual appeal. I must say you’ve done a great job with this. In addition, the blog loads super quick for me on Firefox. Exceptional Blog!
9:39 pm
I am really enjoying the theme/design of your blog. Do you ever run into any web browser compatibility issues? A couple of my blog visitors have complained about my site not operating correctly in Explorer but looks great in Safari. Do you have any ideas to help fix this problem?
9:19 am
Sweet blog! I found it while browsing on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thank you
12:51 pm
My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am worried about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any kind of help would be greatly appreciated!
6:52 am
We still can not quite think I could possibly be one of those studying the important points found on this blog. My family and I are really thankful for the generosity and for offering me the chance to pursue the chosen career path. Appreciate your sharing the important information I got from your web site.
9:06 am
I was honored to receive a call coming from a friend immediately he uncovered the important tips shared on your site. Reading through your blog posting is a real wonderful experience. Thank you for thinking of readers much like me, and I desire for you the best of success for a professional in this surface area.
9:16 am
A powerful share, I simply given this onto a colleague who was doing a little bit evaluation on this. And he actually bought me breakfast because I discovered it for him.. smile. So let me reword that: Thnx for the deal with! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love studying more on this topic. If attainable, as you turn into expertise, would you thoughts updating your blog with extra details? It’s highly useful for me. Huge thumb up for this blog post!
5:23 pm
I would like to take the chance of thanking you for the professional assistance I have often enjoyed browsing your site. We’re looking forward to the actual commencement of my university research and the general prep would never have been complete without consulting your blog. If I can be of any help to others, I’d personally be pleased to help by means of what I have gained from here.
9:46 am
picnic food Lehigh Valley activities.
9:53 am
I Got some true info here. I think that if more people thought about it that way, they’d have a better time get the hang ofing the issue.
11:57 pm
The modern website evolved from your on the internet journal where people would keep the operating account of the individual lives. The majority of such writers known as themselves diarists journalists or even journalers. Justin Hall that began personal blogging in 1994 whilst students at Swarthmore College is generally acknowledged among the very first blog writers because is actually Jerry Pournelle. Dork Winer’s Scripting Information can also be awarded with becoming among the earliest as well as longest running weblogs. An additional earlier blog site was Wearable Wifi Webcam an online discussed log of a person’s personal living merging text video and photos transported reside from the wearable computer as well as EyeTap device in order to a web site in.
2:23 pm
Hi, you have an awesome web site. I’ll favorite it and visit again in the future. Thanks!
3:59 pm
Audio started playing anytime I opened up this webpage, so frustrating!
11:12 pm
Hi, you have a great web site. I will favorite it and come back in the future. Thanks!
10:22 am
What is here it is a great piece of information. But first of all I must salute all every one. Hello there. And second I must say that I will post http://www.yolohub.com/trading/three-trends-to-lo… on my Hi5 profile. I will do this because finally I found what I was looking for. What you say here is really nice information. When I saw this tittle, Three Trends to Look for Before Jumping Back into Small Caps — YOLO (because you only live once), on google search I was very glad. I think I found something that have the same ideea here http://www.xfly.ro, I’m not sure but I thing it was the same. Thank you
1:06 pm
The private website, an ongoing journal or even comments by anyone, could be the conventional, most popular blog site. Private web owners generally take pride into their blog posts, even when the blog can be never read. Weblogs typically turn out to be greater way to simply just converse; they turn out to be methods to think of lifestyle, or even works of art. Blogs can have a emotional top quality. Several particular weblogs go up to fame plus the mainstream but some personal websites swiftly garner a wide-ranging next.
9:17 pm
There are some interesting time limits on this article however I don’t know if I see all of them center to heart. There is some validity but I will take maintain opinion till I look into it further. Good article , thanks and we wish extra! Added to FeedBurner as nicely
7:43 pm
A blog site composed of video lessons is called the vlog, just one composed of backlinks is termed some sort of linklog, a web site containing a stock portfolio regarding drawings is termed the sketchblog as well as one particular composed photographs is known as the photoblog. Sites having reduced posts and combined advertising kinds are usually known as tumblelogs. Information sites which have been written about typewriters after which it scanned tend to be known as typecast or even typecast websites.
10:01 pm
משאית הובלות חדישה וחדשנית תעשה עבורך כמעט כל מה שתבקש מכיל העברות לעסקים לא גדולים.
11:45 pm
Hey, I feel your wordpress blog may very well be having mozilla firefox browser compatibility concerns. After i look at your blog in Look, this indicates fine though when opening in Internet Surveyor, it uses some overlapping. We simply wished to allow a brief heads over! Other after that which often, shining website!
2:46 am
Hello I am so thrilled I found your webpage, I really found you by accident, while I was researching on Digg for something else, Nonetheless I am here now and would just like to say thanks for a marvelous post and a all round exciting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have saved it and also included your RSS feeds, so when I have time I will be back to read more, Please do keep up the fantastic job.