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Earnings: Prepare to be disappointed
Analysts aren't expecting much. Even so, one company is going to make the numbers appear much better than they really are.
A measly 5.7%. That's all the earnings growth we're likely to see for the just-ended second quarter of 2012, according to calculations by Thomson Reuters analyst Greg Harrison, based on analysts' predictions for companies in the S&P 500 index. After nearly three years of double-digit gains in earnings, 2012 is shaping up as a year of not only economic anxiety and market volatility, but also underwhelming profits.
Even worse, that expected 5.7% increase probably overstates the real gains we'll see as the second-quarter earnings season gets underway.
Alcoa (AA) kicked things off Monday by reporting a net loss of $2 million. Excluding special items, its operating profit came in at $61 million, or 6 cents a share -- better than analysts had expected.
But once the reports start rolling in, the reality is that a single company -- Bank of America (BAC) -- is going to make the numbers appear much better than they really are. That's because last year's second-quarter -- the period against which the percentage gain is calculated -- included a massive charge against earnings by Bank of America following a settlement of a lawsuit related to mortgage-backed securities. That is going to make the bank's earnings gain this quarter look astonishingly good, when really that increase will simply reflect the lack of extraordinary charges.
Indeed, Harrison calculates that removing Bank of America from the equation brings estimated earnings growth to a measly 0.6%. In other words, analysts are predicting that as the numbers are made public over the next five weeks or so, we'll see that profits barely grew at all.
With the steady drip of underwhelming news about the economy offering one headwind for stocks, and developments in Europe's sovereign debt crisis a reliable source of turmoil and anxiety, the lack of earnings growth -- if it materializes as expected -- is going to knock the final prop from underneath stock prices.
True, stocks right now are trading at remarkably low valuations: The S&P 500 commands a price-to-earnings multiple of only 12, compared to a ten-year average of 14.3. But investors are nervous -- and without a reason to drive up those valuations, in the form of either a strengthening economy or more robust earnings, odds are that they'll stick stubbornly to the sidelines.
That's not to say that there won't be some positive earnings surprises in the coming days -- perhaps even some astonishingly large ones. Apple (AAPL) has a habit of downplaying its expected growth and then delivering a big surprise; Netflix's (NFLX) CEO proclaimed on his Facebook page last week that the company had delivered a billion hours of streaming content to its subscribers last month, confirming newfound optimism on the part of analysts that it may generate a profit for the quarter rather than a loss.
And companies that have announced their results for the quarter in what has been dubbed the "preseason," have reported earnings growth of about 8%, Harrison calculates. Of the 25 companies that did so, 64% announced positive surprises, compared to the long-term average of 62%.
That still isn't as good as the recent beat rate of 68% for preseason announcements -- and a "positive" earnings surprise can still turn out to be underwhelming, given the increased tendency of both analysts and companies to talk down expectations. After all, the more the more successfully they jawbone, the more likely that the figures they actually report will turn out to be a positive rather than a negative surprise, and have the potential to translate into a boost for their stock price.
It seems likely as if it's all going to come down to a question of who investors believe -- and whether they are willing to react as predictably to the smoke and mirrors game of expectations versus reality that tends to characterize earnings season.
There are plenty of problem areas for companies trying to boost their earnings, most notably the lack of economic growth and demand. (Retailers reported very meager growth in same-store sales for June, another warning sign that consumers are starting to take a more conservative attitude toward spending.)
Almost the only positive note is that energy prices have slumped since their highs of early this year, meaning that companies whose major expenses include gasoline, jet fuel or other kinds of raw materials will benefit from a welcome decline in those costs. On the flip side, it also means that the materials sector of the S&P 500 is likely to see earnings decline by more than 12%, according to analysts' estimates compiled by Thomson Reuters.
The next few weeks will generate a lot of headlines and a lot of data points. We'll probably get some more insight into just how large the impact of the London Whale's trading will be for JPMorgan Chase (JPM) when the bank reports its second-quarter results at the end of this week. (And we should also get a sense of how strong the pressure is for the bank's CEO, Wall Street wunderkind Jamie Dimon, to follow the lead of Bob Diamond of Barclays (BCS) and fall on his sword to atone for having either condoned the trading or failed to notice what was going on.)
Those types of company-specific data points will likely be the most helpful to investors. Does it help to know that health care companies may see earnings remain flat, while energy companies could see their earnings plunge 15.3%? Sure -- but what matters just as much is identifying the outliers; those companies that are able to do better than expected and better than their peers. And, of course, to identify those who are about to blow up, spectacularly, reporting losses of a magnitude that even the most bearish of analysts couldn't have imagined.
In a slow-growth environment, when that sluggishness is a feature not only of the broad economy but also of corporate profits, spending more time on company-specific research will prove vital to stock market success.
Suzanne McGee is a columnist at The Fiscal Times. Subscribe to The Fiscal Times' free newsletter.
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How can anyone expect companies to have decent earnings numbers when there are so many unemployed people who have no money to spend beyond necessities. In addition the people who do still have a job are rat holing their money just in case.
Nothing is going to change untill some positive steps are taken to get people back to work. None of these positive changes can be realized until congress stops the partisan bickering and animosity and acts in the best interest of the people.
Don't hold your breath!!!!
Bank of America's revenue stream faces another challenge related to overdraft fee reform, TheStreet.com reports. The bank stands to lose as much as $480 million in annual revenue from new rules expected from the Consumer Financial Protection Bureau, the website reports, citing an analyst report from Deutsche Bank.
Why anyone would do business with the bank is beyond me. They are a total joke and the stock should be at around $3/share.
So......I do not understand this article. Did we all not vote in a change. We hated the way the country was going. Now all is good. Wait until the O bomb ah so called health plan takes effect in 2014. People are paying 85% tax on SSN benefits. Add medicare to the equation. The Government lied! Our Supreme court bowed into poltical pressure. WHY did the SC not thorw back this tax bill to Congress and have them vote on it as a tax bill? National health care? How is this a National health care plan when it only affects 10% (30,000) of the population? Worse if those that fail to get a health plan, they will be FINED (penalty) at 2K a person! Why are so many excluded? (Pres, Vice Pres, Congress, Staff members, Armish, Muslims, American Indian, Christian Scientology (Hollywood), illegals. Did I miss anybody? Seems thsi Pres is dividing us than uniting us. I'm really seeing more color in our nation than I ever have and it saddens me.
prepare to be disappointed???!! oh no! ur kidding, wait! I know what to do! let's re elected a marxist, racist, anti semitic anti Catholic piece of crap black muslim communist pig like barrack hussein osama to fix everything that's broken as only a looney toone leftist can, of course I don't have to say what'll happen to the United States of America if we ever did! thank God's he's outta here in NOv.
Romney + obama = Reagan/carter redux, I sooooooooooooooo luv those numbers!
Personally, I'm enjoying, how we're supposed to be disappointed. I mean was'nt this already supposed to be cost factored into the price of equities? I am of the opinion, we're going to see some more wild swings in the next few weeks, as some companies meet and beat, and others don't fair so well, and recognize as Cummins did, the world that they're facing in the next few quarters.
As long as the Spanish and Italian bond rates remain above/around 6%, and the Euro and other currencies continue thier weakening against the Dollar I forsee many portfolio's not doing too hot. Not to mention the amount of resources that China has stock piled, from Oil, Coal, Copper, to god knows what should alert people that perhaps commodities will shortly be in trouble aswell, and pray tell what Iran is planning to do with all thier oil, has that been built into the current prices?
The other concern I have is the old raise the dividend and bait some folks in that way too. Cummins did that today, raised thier dividend by 25%, that and the 9% loss on the day to take them to 86.91 at close was a deal too good to pass up, I felt like I had to get in, its for the very long term. unless it rebounds quickly :).
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Empire Basic Carbon Fiber 48ci/4500psi
Customer Feedback
Retail Price:
Product information:
Empire Basic Air Systems offer an affordable option to the player who wants to upgrade to a High Pressure Air system. These high quality air systems feature an aluminum regulator that provides steady performance and reliability. With a five-year retest cycle, these Empire Basic tanks will operate for many years of quality performance.
- Proven regulator performance using Pure Energy Technology
- 48 Cubic inches at 4500 psi
- Standard 800 psi output pressure
- DOT approved cylinder
- Limited 90 day warranty
- Aircraft grade aluminum construction regulator
- Fully serviceable regulator design
- Five year retest cycle
Product Reviews
3 Reviews of Empire Basic Carbon Fiber 48ci/4500psi
Mon, 06/04/2012 - 11:31
amazing tank short light and efficient for all paintball markers
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Sat, 03/02/2013 - 15:39
great tank, light and really efficient especially on my Etek 3. my only complaint is that I would have liked to have seen a smaller regulator, when I re-hydro this tank in a few years i will probably replace the regulator with a smaller regulator.
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Wed, 01/22/2014 - 17:45
This tank is absolutely amazing it last long is very light and is the best tank I've ever used if ur looking for a tank this is the one to biy
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Save $50 of your $2000 MacBook pro! lol. Atleast this year they didn't hype up a apple bf sale. Your better off shopping on macmall or something for bf.
Hope /this/ teaser isn't as disappointing as the beatles albums release.
Don't get me wrong. I love the beatles music. However, the hype was a little... A LOT exaggerated!!!!!
Apple got burned once before from their very own "loyal fans" and I don't think that they'll be doing any price slashing any time soon because of it. Remember the release of the original iPhone? When all those fan boys (sorry if you were one of them) waited in line to be the very first to own apple's extremely overpriced blackberry? (I say this because back then, before the device was jailbroken and WAY WAY before the app store, all it did was make crappy phone calls, get email, SLOWLY crawl the web, and show stocks, the only thing that set it apart was that you touched the screen and it played music... Ooooooooooo). Then, due to the market climate, apple slashed the price a short time later. In the "normal" non-apple tech world, this isn't unheard of, and hell... It's even WELCOMED. But no, those closed-minded apple first adopters cried fowl, whined, stomped their feet, held their breath, threw a collaborative hissy-fit and demanded a refund for the difference. All because they've never experienced apple drastically cutting their prices in the past. The worst thing apple ever did was cave on that, because now, if they ever wind up price slashing in the future they run the risk of upsetting their precious early adopter fan base again and having to fork over millions of dollars of profit back. It's like they created their very own horrible price guarantee that actually winds up hurting the average consumer. "don't worry, buy this now at this price, and if we ever drop the price, you can ***** and moan and we'll either give you back the difference in a check or a gift card." Sorry for the rant, that has just always bothered the hell out of me, and I truly believe that apple will never dabble with drastically changing their prices in the future because of it. That was the first time they actually altered their prices in a meaningful way to make their product much more reasonable for the average consumer. And thanks to those whiny early adopters... They got burned badly, and in turn, so did the rest of us that would love to see price drops (temporary or permanent) happen more often in the pearly gates of apple store as it does in the non-apple real world where the rest of us live.
Whatever it is, it will suck. Instead of a discount they should give gift cards. At least then your 5 percent off would make you feel like you are getting something that will be lasting.
I find it funny that they do this sale in Canada, but I'm not complaining. I got a iPod last year at this
The poster I got in my email is almost exactly the same except it mentions iPhones too!
It will be interesting to see the discount, considering they don't offer an educational discount on iPhones.
Hey if someone wanted to give me $15 I would not say no! It's better than a poke in the eye with a shity stick
If you don't want a discount priced product from Apple then don't get one...but for some families out there that are tight on money, a cut in price may be a huge help.
Is apple going to release any new products on black friday? PM me please.
Sale? Right............
Buy 2 iPhone 4s, 2 MacBook Pros, and an iPod Touch and get a $10 giftcard and a free Steve Jobs bobblehead.
There's your sale!
Best Buy is giving out $125 gift cards with a few MacBook and MacBook Pro models. I am sure that beats the pants off of anything Apple is going to offer...


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Chilean miner's main requests when they were underground: Drugs, porn and sex dolls
When the 33 miners were trapped deep underground last October, during their first week underground, their main requests were pornography, drugs and sex dolls. The drugs and the porn were smuggled through the tunnels to the miners, but doctors (yay doctors!) decided that it was dangerous to send them blow up sex dolls, since they could only round up 10 and they feared that the remaining 23 guys would get jealous.
A new book disclosed that the men's request for sex dolls was denied because their doctor was afraid jealousy could spread after only 10, rather than 33, dolls were found.
The bizarre details of the men's lives down in the mine will be contained in a new book by journalist Jonathan Franklin, extracts of which were published in The (London) Sunday Times.
In the book, Franklin wrote that Chilean authorities covered up several near-disasters as the men were rescued from the mine Oct. 12 before an international TV audience, having spent 69 days underground.
Franklin also said that the men thought about cannibalism as they ran out of food, that pornography and drugs were sent down to the miners and that the live TV feed was interrupted to obscure what was really happening on two occasions.
At one point during the rescue, an avalanche occurred inside the mine, which cut a cable carrying the video feed from underground. A rescuer carried out repairs while a video clip from earlier in the rescue was transmitted to televisions around the globe.
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Album Review: The Carpenter by The Avett Brothers
Posted by Mike Moynahan on 10/08 at 01:54 AM
Grade: B+
Scott and Seth Avett, the guys who comprise the Avett Brothers, are back at it again with their new album, The Carpenter, which was released on September 11th on Universal Republic with producer Rick Rubin. The brothers, who play banjo and guitar respectively, are joined by figurative brothers Bob Crawford on bass, Joe Kwon on cello, and Jacob Edwards on percussion. The album is the group's first since 2009's I and Love and You and it does not disappoint.
The album begins with "The Once and Future Carpenter" which contains the lyrics "once I was a carpenter and man my hands were calloused. I could swing a metal mallet sure and straight. But I took to the highway, a poet young and hungry, and I left rotting timbers where they lay." The life of a hard worker who chose to take a new, introspective path is shown, as the chorus reflects, "if I live the life I'm given, I won't be scared to die." It's an uplifting song and a good track to start off the album.
The second song , "Live and Die," might be the strongest on the album. The thematic idea of life and death continues as the brothers sing, "you and I, we're the same. Live and die, we're the same. Hear my voice, know my name. You and I, we're the same". The question is also raised in the verse, "can't you tell I'm alive?" but immediately reconciled with, "let me prove it." It's a lovely track following two people who may have differences at times but ultimately just love being together. The song starts out with melodic banjo picking before the acoustic guitar joins in.
Other standout tracks on the album include "February Seven," "Winter in My Heart," "Pretty Girl from Michigan," and "Down with the Shine." The album, great as a whole, contains no songs that stand out as weak. Every track packs a unique folk-filled punch that will have you listening to each one many more times.
The album's final track, "Life," brings the album full circle. It opens with the lines, "One comes of it, love it, love it. Let go of it, love comes from it. We're not of this world for long." The song is a rather somber reflection on what different experiences life can offer. We hear the observation that there is "hell and paradise right here on earth," an idea expressed during the album's first eleven tracks. The Carpenter shows love, pain, regret, happiness and many other stops on the spectrum of emotions.
The musicianship on the album is quite fantastic. Because Scott and Seth are brothers it feels like you could just be listening to them jam out at a family party. There's no doubt they, along with the rest of the band, really work well together. The vocal harmonies make the banjo and guitar even better. It's a folksy album but still contains pop and alternative elements that make it unique. It's reminiscent of what a collaboration between The Beatles and Bob Dylan would sound like today if that were possible. Of course, there's no way The Avett Brothers could be placed in the same category as those acts yet, but they possess a strong set of skills all their own which is important. It's refreshing folk can still be popular and receive recognition for the emotional weight it is able to carry with it.
The Carpenter is definitely worth some of your time. Especially during this autumn, with winter quickly approaching, this folk album would be good thing to compliment the season. Check it out for yourself on iTunes or get it straight from the band.
Author: Mike Moynahan
Bio: Mike Moynahan is a senior majoring in English and minoring in Media Studies. In addition to writing, he co-hosts the Indie 500 show every Wednesday at 7PM on The LION 90.7fm. He enjoys watching T.V. (especially Breaking Bad), digging deep into the bowels of Netflix for instant viewing when he's bored, reading and napping in his free time. No artists will ever be greater than the Beatles or Elliott Smith but he commends the rest of the pack for trying their best. Some of his current favorites include The Gaslight Anthem, The Weakerthans, Death Cab for Cutie, The Front Bottoms, Titus Andronicus, Arcade Fire, Built to Spill, Manchester Orchestra, Kevin Devine, The Hold Steady, Los Campesinos!, Bon Iver, and Coldplay. Especially Coldplay.
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Dayton Municipal 2011 Annual Report (require Adobe Reader)
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Wednesday's forecast: Cool and damp South
The South will still be seeing remnants of Tropical Depression Karen as temperatures will be cool and conditions will be damp. The Northeast and Midwest will be seeing dry conditions.
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Gannett, known best for its newspapers, is splitting them away from its broadcast properties. Both Journal and Tribune recently did the same. It's clear that the newspaper divisions have become liabilities to these companies. The effort to convert the print product to a profitable digital product simply isn't working.
That said, the major newspapers for most of these companies were often drivers of content for the other divisions. It'll be interesting to see if some time of relationship between the two continue.


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If you've got a spouse who likes to fish, get him a fishing license for the coming year. You don't have to worry about getting the right size, or color or line weight. One size fits all, and it's a gift they can use all year long. Every time I go fishing, I can think of my wife who has bought my fishing license. If you've got a loved one in law enforcement, how about a small box that is very heavy and feels like lead? Every shooter can always use more ammo. Flannel shirts are hard to beat, as are knives. Even if you've already got one, another warm shirt or another knife is always useful.
Some traditions can be passed from one generation to another. In 1977, I bought my dad a nice pocket knife and then spent several hours creating a specially wrapped box, which I made by cutting out fishing scenes from outdoor magazines. Dad was more delighted with the box than with the knife inside. The next year, I made another special fishing scene box for Dad, but was really surprised when I received a gift from him in the box I had given him the year before. Every year thereafter, Dad and I would exchange our recycled boxes covered with leaping trout, and sparkling waterfalls. We both knew what the box contained, but somehow that wasn't the point. Our dumb fishing Christmas boxes had become a tradition more important than any physical gift could ever be. Sometimes I got a little teary-eyed trying to seal the recycled box, because it brings back of a flood memories of Dad and I fishing together.
Dad has gone on to that big trout stream in the sky, but now I select a knife with care, and wrap it in old newsprint from 1977, and place it in a gaudy box from the closet shelf that I've dusted off with care. The difference now is that I buy a knife for my son, in hopes we'll use it to go fishing or hunting together. Life moves on and an old tradition continues.
You can create your own gift giving traditions. If your loved one is an artist, maybe some camel hair brushes would be just perfect. Perhaps new binoculars might be just what your nature loving companion needs. A GPS unit might be great for your backpacker or 4wd fanatic.
Most importantly of all, is giving a gift that encourages you to spend time with your loved ones. The back packing trips my wife, Mary and I made into remote alpine meadows are the stuff memories are made of; as are the hours my kids and I spent warming our hands around a campfire. That is the glue that holds people together. As years pass, and families and loved ones spread to the far corners of the world, your outdoor adventures stay with you forever. May you have a blessed Christmas and much happiness in the years to come.


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Silky black tank dress featuring a lace racerback and trim. Button-down front, unlined. Perfect paired with a skinny belt and wide-brim hat!
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22 U.S. Code § 5822 - Business and Agriculture Advisory Council
(a) Establishment
The President is authorized to establish an advisory council to be known as the Independent States Business and Agriculture Advisory Council (hereinafter in this section referred to as the "Council")—
(1) to consult with and advise the President periodically regarding programs of assistance for the independent states of the former Soviet Union; and
(b) Membership
The Council should consist of 15 members, appointed by the President, who are drawn from United States companies reflecting diverse businesses and perspectives that have experience and expertise in dealing with the independent states of the former Soviet Union. The President should designate one such member to serve as Chair of the Council. Five such members should be appointed upon the recommendation of the Speaker and the Minority Leader of the House of Representatives and 5 should be appointed upon the recommendation of the Majority Leader and Minority Leader of the Senate. Members of the Council shall receive no compensation from the United States Government by reason of their service on the Council.
Source(Pub. L. 102–511, title III, § 302,Oct. 24, 1992, 106 Stat. 3333.)
Termination of Advisory Councils
Advisory councils established after Jan. 5, 1973, to terminate not later than the expiration of the 2-year period beginning on the date of their establishment, unless, in the case of a council established by the President or an officer of the Federal Government, such council is renewed by appropriate action prior to the expiration of such 2-year period, or in the case of a council established by Congress, its duration is otherwise provided for by law. See sections 3(2) and 14 ofPub. L. 92–463, Oct. 6, 1972, 86 Stat. 770, 776, set out in the Appendix to Title 5, Government Organization and Employees.
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The Green Berets (1968)
The most popular movies among NYTimes.com readers.
4 Readers' Reviews
May 27th, 201211:24 am
They run around with their trigger fingers inside the trigger guards of their weapons. This is a basic violation of firearms safety worthy of Sarah Palin, who also does it.
— John, Port of Spain
July 11th, 20115:17 pm
Good Lord. A wonk can't read a book or see a movie without consulting their political bible. Lighten up. The most famous movie series of all time are not fact based (Star Wars, IN Jones, Harry Potter, etc.). Have some fun. Get a life. Don't be a dork.
— conytimes, CO
December 17th, 20109:02 pm
Everybody sees the 1968 John Wayne movie The Green Berets as being offensive to the veterans who served there. As a woman I see this movie differently. Craig Jue who played Hamchunk was orphaned by the terrible violence in his country. He wandered aimlessly throughout a Green Beret camp, until Sgt. Petersen (Jim Hutton) comes along. Sgt. Petersen takes the young boy Hamchunk under his wing, adopts him kind of, and protects him as much as he can.
While the dilaogue of the movie and the war scenes may not have been how it was, the 1968 movie The Green Berets will always be my favorite action movie because it shows the human side of an American GI.
If all you see is false dialogue and trumped up war scenes, then you haven't seen John Wayne's 1968 movie The Green Berets.
— Barbara, Alpena, MI
April 18th, 20086:40 pm
Well as much as your review is entitled to its hearing, so should mine. I served in Vietnam in 1969 with an engineer battalion that had a detachment up at Ben Het (special forces camp) in Kontum province; well they did not work 9 to 5 or complain about how it was difficult dealing wiht a "downpour". I would like no love to see how well you would get away with your diatribe in Hanoi.
Me Tarzan...you Jane!
— nywactimes


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UGC is embarking on a mission to identify a host of unsung social figures and recognise their contribution by dedicating research centres in their name.
PM Modi has the capability to lead an Indian Renaissance and also to catalyse new economic strength throughout South Asia, says Ram Charan.
Apple Inc invited media to a "special event" in California, on Sept. 9, when it is expected to unveil the latest versions of its best-selling smartphones.
The Narendra Modi govt's intent to upgrade skills of the youth through a slew of measures has been welcomed, but much more needs to be done.
BuyHatke, a Bangalore-based startup, has ensured that 500 customers were able to get their hands on the Mi3 phone since its sales started in July.
PM Narendra Modi is aiming at smart governance where the top layers of government will be downsized and the grass-roots level will expand.
Among PM Modi's pet plans, few would be more significant to India than building 100 smart cities, as the country is in the middle of a massive wave of urbanisation.
The insurer has been booking profits in many frontline stocks such as ONGC, ICICI Bank and HDFC Bank among others in the past seven days, said brokers.
The govt has set the ball rolling to boost manufacturing by opening up defence and railways to FDI within three months of assuming office.
Hopeful of a revival, Corporate India is preparing to make fresh investments, but it now wants PM Modi to act more on the big dreams.
Modi has proposed incremental changes but no radical reforms in labour laws, land acquisition, fiscal strategy, subsidies or privatisation.
Top gainers among BSE100 since May 26 shows market has shifted focus to fundamentally-sound cos that have continued good work in June quarter.
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Free Shipping & Handling with GEM
Western Blot of Rabbit anti-HDAC2 antibody.
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South Dakota State Results
WACO, Texas – The No. 10 University of Tennessee at Martin equestrian squad picked up a big victory in its season-opener on Friday night, defeating No. 8 South Dakota State via a raw score tiebreaker in the first day of the Willis Invitational, hosted by Baylor.
The two teams tied 8-8 but the Skyhawks gained 1,154 points compared to South Dakota State's 1,150.25 points.
"It was a hard-fought win for our group," UT Martin head coach Meghan Corvin said. "I am so proud of our Western discipline. All but three were new to the collegiate arena and they stepped up. We played South Dakota State point for point and in the end we were able to edge them in raw score. This was a great way to start our season."
In Hunterseat, Mykaela Van Selus earned MOP honors with a 73-point ride in equitation on the flat. She earned a point along with Reid Rickett, who posted a 69-point ride. In equitation over fences, Nora Wilson brought home MOP accolades with a 79-point ride. Erin Douglas also tallied 79 points, tallying a point for the Skyhawks.
In Western, Jordan Elmore (71 points) and Kenzie Perry (70.5) each accounted for points in horsemanship. In reining, Megan Marie Foley earned MOP honors with a 71-point ride while Samantha Knight captured a point with 69.5 points.
The Skyhawks will now face No. 7 Baylor and New Mexico State on Saturday to complete the Willis Invitational, followed by a Sunday, Sept. 29 matchup at Southern Methodist.


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Inside Wall Street: Covidien's upswing far from over
The long-term positive impact of the company's spinoff plan is still unappreciated.
Last December, Covidien (COV) announced its plan to spin off its pharmaceutical division. Since then, shares have advanced 25% to $54 a share as investors have supported the move. But now, some say the hefty gain suggests the spinoff's potential impact is fully reflected in the stock price and would inhibit any further upside move.
Don't bet on it.
Although details of the proposed spinoff have yet to be announced, some investment pros who focus on spinoffs believe the stock, which has now climbed close to its 52-week high of $57.65 hit back in May 2011, has a lot more upside potential.
"Our immediate price target for the stock is $60, but if the spinoff goes as planned, the stock could go as high as $70 by next year," says Joseph Cornell, president of the Spin-Off Research. That's because even at its current rally price, the stock is still undervalued, he says, and the spinoff "will unlock the value of Covidien's assets."
Covidien itself is a product of a spinoff. Formerly owned by Tyco International, Covidien was spun out and subsequently became an independent entity. It is a global maker of medical devices, diagnostic imaging agents, pharmaceuticals and other healthcare products.
The non-core pharmaceutical operations have been a volatile business and a drag on Covidien's earnings. By spinning it off, the company can focus more on its faster growing medical devices and supplies operations, which generate high operating margins of about 30%. As a result, investors would be able to better appreciate Covidien's potential growth and value, says Cornell.
As an independent company, the pharmaceutical unit would be worth $2.7 billion, figures Cornelll, and could be sold in the future for what it is worth. Management has yet to disclose its plans for the unit. It's possible that it might attract a suitor when its goes on its own. In the meantime, investors would receive a special dividend from the pharma unit's spin-off.
Cornell notes that the pharma business of late has been turning around, with sales and margins improving.
The spinoff will result in a revitalized Covidien, with concentrated operations in medical devices and supplies, which analysts expect will fetch a premium valuation with its better profile.
"We expect the medical devices unit to continue to post strong growth supported by tailwinds from increasing presence in the emerging markets, better mix, and rationale capital deployment," says Cornell. Emerging markets accounted for double-digit sales growth in past years and management sees sales growing by more than 10% yearly over the next five years. Covidien is seeing considerable growth in Brazil, China, Middle East, and Africa. Europe is also seeing improved sales growth.
Covidien generated some 66% of its revenue last year outside of the U.S., and management expects the new Covidien without the pharma unit to generate higher revenue from the emerging markets in the years ahead.
With focused operations on medical devices and supplies, Coviden's stock should get higher valuation from Wall Street analysts, says Cornell, because companies in that sector of healthcare command price-to-earnings multiples of about 15.4, vs. Covidien's price-to-earnings ratio of about 12.4.
With its rising cash flow and improving revenue and earnings, the new Covidien's stock could shoot up to as high as $70 a share in 2013, says Cornell.
Analyst Phillip Seligman of S&P Capital IQ says the planned spinoff "makes good strategic sense, as it should provide greater flexibility and focus for each business." The new Covidien will show "faster sales growth and wider margins," benefiting from the global aging population and its penetration into the rapidly growing emerging markets. He rates the stock as a "strong buy," with a 12-month target of $64 a share, based mainly on the company's "improved top-line growth and margin expansion prospects."
Spinoffs have always been a favored strategic option for many U.S. corporations to unlock hidden value in their assets and further enhance their valuation in the market. Covidien is one stock that will realize the full value of a spinoff -- at the right time and the right market environment.
Gene Marcial wrote the column "Inside Wall Street" for Business Week for 28 years and now writes for MSN Money's Top Stocks. He also wrote the book "Seven Commandments of Stock Investing," published by FT Press.
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Louis Armstrong: Jazz Ambassador to the World
Published on Thursday, August 22, 2013 - 9:32am
Louis Armstrong, one of the most famous performers of his time, was born in New Orleans, probably in August, 1901. He had little formal education or musical training. At the height of his popularity, Armstrong sold more records than the Beatles.
Armstrong travelled all over the world introducing jazz, a uniquely American style of music, to his legions of fans.
Petworth Library has a display of books and other materials about Louis Armstrong and jazz, including:
|Louis Armstrong's Odyssey
|Louis Armstrong's New Orleans
|Louis Armstrong: A Cultural Legacy
|Louis Armstrong: An American Genius


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There's a reason the looks on the following pages are so iconic: They're the quickest, most tried-and-true ways to bring out your allure.
more on luckymag.com
The 40 Most Stunning Shoes From New York Fashion Week
New York Fashion Week's footwear offerings ran the gamut from perilously platformed (Thakoon, Delpozo) to sleek and sporty (Alexander Wang, DKNY) to s…
Cara Delevingne Is Now Poised For Shailene Woodley-Level Stardom—Here's Why
She just landed a starring role in John Green's next big blockbuster.
Pretty In Prints: The Most Wow-Worthy Patterns To Hit The Runway
We especially appreciate those designers who buck tradition and go big with prints.
Magnificent Mile
I've been living near the Magnificent Mile and enjoying wandering around there—visiting Topshop, American Apparel and all those big stores. I'll go to…
During the play's Chicago run, the cast would usually get dinner at an Italian restaurant called Orso's in Old Town. It has a piano, a back patio and…


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Dougherty County students could soon be able to see a doctor without leaving school.
Monday night the school board heard from representatives with tele-health.The company's technology allows doctors to use the Internet and remote equipment to examine kids who might not be able to make it to a doctor's office. Turner County Schools currently use a similar system.
"That same child gets treatment at school, if you're talking about a minor ear ache, antibiotics can be easily called into the pharmacy, mom and dad picks that medicine up, start administering it to the child," said Sherrie Williams, Executive Director, Tele health.
The board gave tele-health the okay to start researching which doctors in the area would be willing to participate.
They hope to have a pilot program in place at one Dougherty County School by the beginning of next school year.
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Some of the cottages, overlooking our waterfront on Otsego Lake
Rented by the week, or nightly if available, these units overlook the lake. Air-conditioned and equipped with full kitchen, bath with tub or shower, cable TV, HBO, high-speed Wi-Fi, phone, barbeque grill, deck or porch. Sizes range from an efficiency for four, up to three bedroom cottages that will sleep eight or ten. Basic cookware, dishes, silverware and linens are provided. (Note: Cottage D does not have a kitchen but does include a small refrigerator, coffee maker and microwave oven. And Cottage J has a two-burner stove top and does not have an oven.)
A cottage living room, with doors leading to the lakeview deck
To see photos of each cottage and read about its particular features, please use the links in the Navigation Column on the left side of this page.
Three Bedroom Cottages (sleeps 8-10)
Cottages G, H, I, L, M, and House 28
Two Bedroom Cottages (sleeps 5-6)
Cottages F, K, and House 26
One Bedroom Cottages (sleeps 4)
Cottages E and J
Single Room Cottage (sleeps 4)
Cottage D (no kitchen)
The cottages are available from Memorial Day through Columbus Day. Enjoy our small swimming beach, with barbeque grills, picnic tables, boats, and gazebos.
To learn more about what items are provided and what you might consider bringing with you to make your stay more comfortable and enjoyable, please look at our Amenities Page.
To see the location of each cottage, and how big each is, please look at our Map of Premises Page.
A cottage kitchen
Our waterfront from a cottage deck
A few cottages seen from the lakeside lawn
A cottage bedroom
Rates vary depending on season and length of stay. For full up-to-date information, please go to our Rates Page.
Our weekly cottage rates provide you with a significant discount over our daily cottage rates. Click here for more info.
To make an online reservation, or to check room availability, or to check on a existing reservation, go to our Book Online Page.
Or, if you prefer please give us a call anytime at 607-547-2371.
Or, you can send us an email at email@example.com to check if the type of room or the size of cottage you want is available.
Feel free to review our Rates before calling or booking a room online.
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Email firstname.lastname@example.com
7090 State Highway 80
Cooperstown, NY 13326


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Me & My Peeps™ Address Labels - 1 character
- Let your personality shine through with personalized address labels by beloved artist Laura Kelly.
Whether labeling books, envelopes, belongings, or more these fun Me & My Peeps™ labels leave a lasting impression. Choose your favorite character and add your name and message or address to create a truly unique set of labels all your own.
©Laura Kelly for Doodle Licensing, Inc.
- Self-adhesive labels measure 2.63" x 1" (2-5/8" x 1")
- Sold in sets of 120 labels (4 sheets, 30 labels per sheet)
- Perfect for return address labels, marking gifts, packages and more
- Labels can also be used for identifying school supplies, books, computer disks and DVD's


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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
To automatically re-order this item before you run out, select the recurring order option during checkout.
Buy Extended Service Plan ( What This? )
The 6505 is the relaunch of the 5150 Series, the immensely popular amplifiers Peavey designed with Edward Van Halen.
The 6505 is the relaunch of the 5150 Series, the immensely popular amplifiers Peavey designed with Edward Van Halen. The 6505 Plus features six 12AX7 preamp tubes and four 6L6GC power amp tubes, with presence and resonance controls and three-band EQ for taming their notorious tone. While known as the 5150, these amps became the undisputed go-to guitar amps for scores of rock, hardcore and metal bands due to their raw tone, relentless power and road-proven reliability. The 6505 is still the unquestionable choice for an ever-expanding list of players everywhere.
Features:• 120 Watts (rms) into 16, 8, or 4 Ohms (switchable)
|6505 Series
|6505 Plus
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Comments about Peavey 6505 Plus Guitar Amplifier Head:
I'm running a Marshall 1960 Lead 300 Watt Cab with Mine Awsome Combo for RAW Power mixed with Great Metal Distortion from this Amp . It would be nice to have a bit better Clean Tone but it's still a Good One when I'v played it with my MXR Carbon Copy Delay.
It has the Tone and True Sound of Metal Bands like TRIVIUM and Kill Switch Engaged which I Love . I Can't wait to plug in a Strymon LiveWire Delay Pedal , Carl Martin Head Room Reverb and Ibanez Tube Screamer or Boost Pedal up to this MONSTER ... Very Happy and Glad I Bought this AWSOME Amp .
Best Uses
Comments about Peavey 6505 Plus Guitar Amplifier Head:
This is THE hardcore/metal head. Amazing gain, tight reponse and the mids do need to be tweaked. You will hear that it is nearly impossible to get a good clean tone out of the 6505 series. Those people have the 6505 regular that have only 1 eq for both channels to share. Do it right, get the plus head. 2 seperate eq mixes makes it easy to get a good clean. Wish it had reverb though, nothing a Holy Grail pedal cant fix though. Since i bought this head 3 friendds have done the same.
Comments about Peavey 6505 Plus Guitar Amplifier Head:
this amp is great it sounds even better than a marshall jvm and jcm 2000
6505 Plus Guitar Amplifier Head
The manufacturer's warranty covers parts for one year and labor for one year from date of purchase. The warranty excludes damage from misuse, abuse, and contains other exclusions.


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"Today knowledge has power. It controls access to opportunity and advancement."
Peter F. Drucker
Knowledge relates to all the capital owned by people and staff of a company: know-how & expertise, competencies, market experiences etc. Knowledge management helps companies turn this human capital into intellectual capital by creating value.
Unlike content management, Knowledge Management (KM) is not only about storing documents. It is about increasing people skills and expertise thanks to sharing.
Knowledge management enables people collaboration and connects them to expertise. The ability to quickly find a subject matter expert and get the answer to a question or assistance in solving a problem is a priority in knowledge management.
Knowledge management prevents companies from constantly reinventing the wheel, hence the decreasing supply of talent, the retiring boomers, the staff turnover etc.
Like never before, harnessing and leveraging on knowledge and expertise is no longer a luxury, it is a necessary game changer.
Based on our experience, to help our clients in implementing a knowledge management strategy, we propose a phased approach based on 6 major life-cycle components allowing the creation a sustainable knowledge sharing culture.
Furthermore, the Deloitte knowledge management offering includes services that are aligned to business objectives and strategy of its clients and in particular can include:


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Compostable Bagasse 5-Compartment Food Trays - White - 400 ct.
by NatureHouse | Item #: 477186 |Model #: SVAT009 | (3) |
A great renewable choice for both cold and hot foodservice needs. Made from a renewable resource, sugar cane fiber (bagasse): the fibrous waste left over after the extraction of the sugar from the cane. 100% compostable in home or commercial composting environments.
- Global Product Type: Dinnerware
- Dinnerware Type: Compartment Tray
- Color: White
- Material: Bagasse
- Length: 10.30"
- Shape: Rectangular
- Width: 8.30"
- Depth: 1"
- Dinnerware Special Features: 5-Compartment School Tray
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Warranty InformationThis product is covered by the Sam's Club Member Satisfaction Guarantee.
There is no additional information available for this item.