StockMarket Watch - Our Last Pick UP 163%, Wed, 17 Mar 2004 03:01:46 -0500

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Wed, 17 Mar 2004 03:01:46 -0500

Equity Spoltight: OSF Financial Services - OSSI - Our Last pick HTDS went =
from .038 to 10 cents in just one week.

Could OSSI be the next Ditech, Lending Tree, E-Loan, or Countrywide?  Coun=
trywide UP 23,000% since 1982, 156% in last year alone.

Get Quote: http://finance.yahoo.com/q?s=3Dossi.pk

2003 saw one of the the biggest booms in real estate history.  Homeownersh=
ip is at its highest level ever at 68%, and experts are predicting 2004 wi=
ll be even bigger. In fact, since 2000 the stocks of the ten financial com=
panies that dominate mortgages have risen an average of 78%.  You have all=
 heard of such companies as Ditech, Lending Tree, E-Loan, and Countrywide.=
  These companies are riding the current wave of record refinancing, posti=
ng record revenues and phenomenal gains.  For you, the investor, it may ve=
ry well be too late to get in on the ground floor of these already well-kn=
own entities.  But is it too late for you to get into this market at all? =
 Absolutely not.

OSF Financial Services - OSSI - is just now getting its legs and will soon=
 be up and running at full speed.  Here is your chance to get in while the=
 getting is good.

To illustrate the rise in stock prices per the real estate boom of 2003, w=
e can use as an example Countrywide Financial.  77% of Countrywide's pre-t=
ax earnings are derived from mortg. banking.  Net earnings went from 842 m=
illion dollars for the 12 months ended 12/31/2002 to a whopping 2 billion,=
 373 million dollars for 12 months ended 12/31/2003, with diluted earnings=
 per share going from 4.87 in 2002 to 12.47 in 2003.

52-week Range - 37.96 - 97.30

Fourth quarter highlights include the following:  
 
Consolidated net earnings reached 564 million dollars, advancing 121 perce=
nt over fourth quarter last year. 

Earnings per diluted share increased 89 percent over last year to 2.74, th=
e Company's second highest quarter on record. Notably, the Company's Liqui=
d Yield Option Notes became convertible during the fourth quarter, resulti=
ng in an upswing in the number of diluted shares outstanding for the quart=
er of 10.4 million. This had a dilutive effect on fourth quarter earnings =
of 0.14 per share and on annual earnings of 0.17 per share. 

Pre-tax earnings from Diversified Businesses were 246 million dollars, a g=
ain of 122 percent over last year's fourth quarter.

INCREDIBLE Gains.

Countrywide Financial was established in 1969, but you can see an astoundi=
ng rise in stock value came last year, coinciding with a never before seen=
 real estate boom.  Just last year alone stock value was up an est. =
%156.

According to Shawn Tully from FORTUNE Magazine: 

"Most amazing of all is that Countrywide boasts the best stock market perf=
ormance of any financial services company in the FORTUNE 500, measured fro=
m the start of the Great Bull Market over two decades ago. During that per=
iod, it has delivered investors a 23,000% return=97yes, 23,000=
% =97or 30% a year, so that shareholders now have over $230,000 for every =
$1,000 they invested in late 1982. It handily beat superstars WaMu, Wal-Ma=
rt, and Warren Buffett's Berkshire Hathaway (all around 15,000=
%)."

The time has come and gone to get in early with Countrywide, but the time =
is right for OSSI.


INDICATORS

7-day Average Directional Indicator - STRONGEST

50 Day Parabolic Time/Price - STRONGEST



Stock-Market Spotlight (SMS) is not a registered financial advisory.  The =
information presented by SMS is not for purchasing or selling securities. =
 SMS compiles then distributes opinions, comments and information based on=
 other public sources.  Penny stocks are considered to be highly speculati=
ve and may be unsuitable for all but very aggressive investors.  SMS does =
not hold nor does it plan to hold a position in this stock.  This Profile =
was a paid advertisement by a third party not affiliated with the profiled=
 company.  SMS was compensated four thousand dollars to publish and distri=
bute this report.  Paid advertisements for a third party do not necessaril=
y reflect the views of SMS.  Target prices may fluctuate depending on mark=
et environments. Please always consult a registered financial advisor befo=
re making any decisions.  This report is for entertainment and advertising=
 purposes only and should not be used as investment advice.  SMS, Apartado=
 173-3006 Zona Franca MeoBarreal Heredia, Costa Rica.

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