Equity Spotlight: OSSI - HTDS went from .038 to 10 cents, Tue, 16 Mar 2004 05:28:16 -0500

Tue, 16 Mar 2004 05:28:16 -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?  
Countrywide UP 23,000% since 1982, 156% in last year alone.

2003 saw one of the the biggest booms in real estate history.  Homeownership is 
at its highest level ever at 68%, and experts are predicting 2004 will be even 
bigger. In fact, since 2000 the stocks of the ten financial companies 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, posting record revenues and 
phenomenal gains.  For you, the investor, it may very well be too late to get 
in on the ground floor of these already well-known 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, we can 
use as an example Countrywide Financial.  77% of Countrywide's pre-tax earnings 
are derived from mortg. banking.  Net earnings went from 842 million 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 percent 
over fourth quarter last year. 

Earnings per diluted share increased 89 percent over last year to 2.74, the 
Company's second highest quarter on record. Notably, the Company's Liquid Yield 
Option Notes became convertible during the fourth quarter, resulting in an 
upswing in the number of diluted shares outstanding for the quarter 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 gain 
of 122 percent over last year's fourth quarter.

INCREDIBLE Gains.

Countrywide Financial was established in 1969, but you can see an astounding 
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 
performance of any financial services company in the FORTUNE 500, measured from 
the start of the Great Bull Market over two decades ago. During that period, it 
has delivered investors a 23,000% return?yes, 23,000% ?or 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-Mart, 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

The 7-day Average Directional Indicator is Strengthening.



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 speculative and may 
be unsuitable for all but very aggressive investors.  SMS does not hold nor 
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nick

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