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FOR END OF BUSINESS DAY OF 1 Aug 2005

TABLE OF CONTENTS

SECTION I: STOCKS

--------------------------------

SECTION I: STOCKS
 

1) STOCK Apis Bull Stock and Commodity Trading Education *****

I have no new picks at this time. I have all the strocks I should have in to the market at this time. It would not be wise to be fully invested in this market. It's been a few weeks since I last wrote you, but there wasn't anything to talk about. The market is so ho hum and I have the positions I wanted.

 

There are many other reasons why I bought these stocks and some differ from the others. I do not list all the reasons why I buy a stock because I would be writing for a whiile. These are the important parts of the decision making for these purchases and future purchases.

Here are a few of my past trades

TICKER

DATE BOT

PRICE BOT

DATE SOLD

PRICE SOLD

% GAIN / LOSS

SWN

26 MAY 05

34.67

7 JUN 05

36.17

4.326

Prices for SWN have been adjusted for the 2 for 1 stock split which took place on 6 June 2005

LKQX

20 MAY 05

23.66035

1 JUN 05

24.71869

4.473

DIOD

18 MAY 05

31.22

1 JUN 05

33.0071

5.724

AMHC

21 APR 05

37.53714

25 APR 05

40.15

6.960

 

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2) WHAT I HAVE UP FOR SALE *****

 

Why? This is ed a protective stop. Helps me from losing my shirt.

 

 

3) MY CURRENT POSITIONS *****

As of 1 Aug 2005

TICKER

DATE BOT

PRICE BOT

CURRENT PRICE

% GAIN / LOSS

FADV

14 JUN 05

23.97

23.85

(0.500)

 

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4) MARKET CONDITION *****

 

The market is improving but very slowly. When the Dow reaches 11,000 then we will consider the Dow to be strong. For the NASDAQ if or when it surpases 2200 things should be looking good. It's less than 100 points away. If you look at the chart you will see the market is going sideways, not up and not down.

 

Save your money because within the next 2 years when the real estate market falls apart you'll be able to pick up foreclosures at pennys on the dollar.

5) News and Info

 

A superior financial firm

First American (NYSE: FAF) is usually characterized as a title insurance company, but it is so much more than that. Sure, title insurance is a major part of the business, but the key to First American's success is its focus on creating, expanding, and improving its consumer and business databases. I also happen to like First American because its share price has risen by 50% since I first recommended the company to Inside Value members last September. Despite the rise, I still believe the company to be significantly undervalued -- just not quite at the margin of safety that I would require before purchasing shares.

 

First American is divided into two main divisions: financial services and information technology, although First American occasionally transfers portions of its portfolio to its 80%-owned subsidiary, First Advantage (Nasdaq: FADV), as it did recently with its Credit Information Group. The biggest cost to title insurers is the search and preparation of documents; claims are a mere fraction of the cost of doing business. First American holds a huge "title plant," a database that helps title insurers limit their risk by performing accurate searches and examinations. It's much quicker than thumbing through public records. The database slashes search costs and allows the company to provide timely responses in line with the demands of the industry. That's crucial, because title insurance constitutes 72% of the company's sales and 50% of net income.

 

The company continues to grow its business organiy and through small acquisitions. The acquisitions spur greater growth by regularly adding valuable records to the database. The company has an exceptional record of wringing cost savings out of acquisitions by adding manual records to the database.

 

The information technology division is also built on databases and consists of four main segments: mortgage, property, credit, and screening information. The mortgage information segment provides real estate tax-monitoring services, flood-zone certification, and default management services in the handling of loss mitigation, foreclosures, and claims processing. First American is the dominant service provider in each of these service industries. It provides credit data to credit bureaus such as Experian and Equifax (NYSE: EFX).

 

Competitive landscape

In the U.S., title insurance is dominated by First American and Fidelity National (NYSE: FNF), and to a lesser extent, Old Republic International (NYSE: ORI) and LandAmerica (NYSE: LFG). The industry is heavily price-regulated, and prices vary from state to state. Only Fidelity has a similar reach and technology, but while First American emphasizes its database advantages, Fidelity's strength is in software applications. Old Republic is a hybrid title and mortgage insurance company, and LandAmerica is a smaller, but competitive, pure title insurance company.

 

In addition to its domestic growth strategy, First American will continue to grow in Canada and the U.K., where it is already the leading title insurer. The use of title insurance has been slow to catch on outside the U.S., but there is a growing requirement by mortgage lenders for its use.

 

Risks

The biggest risk to First America is the volatility of the mortgage refinancing market which, when in full flood, adds significantly to the bottom line. Regular mortgage originations do not fluctuate to the same extent, and are generally projected to increase 8% to 10% nationally over the next several years. Any hint of a serious downturn in housing is likely to result in a drop in share price. This happened as recently as last year, when the shares dipped below $25. Since that time, the company has taken steps to reduce its reliance on cyclical revenues. Insurance regulators could bring pressure to bear on prices, as recently happened with refinance rates in some states.

 

First American's underlying non-cyclical businesses are on a nice growth trajectory. I view the cyclical revenues, particularly those from refinancings, as an irregular bonus that improves the company's ability to buy back shares and self-finance its growth. The company sports a P/E of around 11, a price-to-book ratio of around 1.5, and has a net cash position of $700 million. Better still, the company's enterprise value-to-free cash flow is below 8.

 

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