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What do I get with membership in CreditReport.com?
As a CreditReport.com member, you enjoy the following benefits:
*Due to New York state law restrictions, the CreditReport.com Guarantee cannot be offered to residents of New York.
How much does the CreditReport.com membership cost?
Membership in CreditReport.com costs $24.95 per month. You may cancel at anytime; however, you will not be eligible for a refund for your membership fees.
How do I cancel my membership?
To cancel, please contact Customer Care at 1-877-297-7790.
Ordering and Billing
Will ordering my Credit Report hurt my score?
No, it won't. When you pull your own Credit Report, it's called a "soft inquiry". Soft inquiries do not impact your credit at all, and don't even show up on your Credit Report.
A "hard inquiry" is placed on your Credit Report when a company reviews your credit as part of an application. Having too many hard inquiries could mean that you are overextending yourself and could potentially lower your score.
Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information are protected. Preferred web browsers are Internet Explorer 6.0+, FireFox 2.0+, and Safari 3.0+.
What do you do with my private information?
We take privacy and security very seriously. The information that you provide during the order process is used to verify your identity and remains in our system. Your Credit Reports and Scores are stored in our system to be viewed by you on the website. Under no circumstances will we use, resell, or provide your credit information to any third-party marketers. If you call one of our Customer Care Representatives, they do not see your Credit Reports unless you give them specific permission to do so. Please see our Privacy Policy for full details about how we protect the information you submit to us.
Why is there a charge for $1.00 on my credit card from you when I'm still in my free trial?
You will be asked for valid credit information when you sign up for the free monitoring trial. CreditReport.com will verify your credit card information before processing your order. An authorization in the amount of one dollar will be performed on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card will be charged a non-refundable $1.00 fee, plus any applicable sales tax, for your Credit Reports. Additionally where indicated, the $1.00 fee will be donated to a worthy charity. However, CreditReport.com will not bill you the monthly membership price of $24.95 until the free trial period has ended.
Can you explain how the donation works?
As part of regulation regarding the marketing of free Credit Reports, we are charging a low fee of $1 to provide consumers their Credit Reports during their trial membership with CreditReport.com. Where indicated we have decided to donate these Credit Report fees to charity.
Where does my $1 donation go?
CreditReport.com has a dedicated community improvement program committed to making an important difference in each of the communities in which we operate and live. CreditReport.com uses these donations to lend financial support to a number of qualifying public charities. Some recipients of our funds include schools, community involvement programs and volunteer fund raising.
Do you offer me a receipt for my $1 donation? (For claiming on taxes)
The $1 fee that you're charged to see your report is an actual fee and not itself a donation. We are taking the fee and as a gesture of goodwill, donating to charitable causes on your behalf. Because of this, no receipt is provided for tax purposes. Also, because it's a fee we have to charge applicable sales taxes.
Do I have to pay sales tax?
That depends on the state in which you reside. Certain orders may be subject to sales tax based on specific laws in your state of residence. Sales tax may be included on membership orders and any additional fee based reports and scores that you purchase.
The address you provided during the order process is used to determine whether sales tax applies to your order(s) and if so, at what rate. Since sales tax rates may change over time, you might notice minor fluctuations in the membership fee.
Keeping your address up-to-date in our system will help ensure the sales tax is calculated accurately during each billing cycle. You can easily update your address information anytime from the Personal Information page. You may also contact our Customer Care Team at 1-877-297-7790 for address changes.
Can I get my Credit Reports by mail?
Unfortunately, we cannot provide Credit Reports by mail at this time.
I don't have a credit card. Can I still purchase an online credit report?
Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.
Can I order someone else's Credit Report?
No. It's a federal crime to obtain a copy of someone's Credit Report without their permission, punishable by a fine and/or imprisonment.
Your Legal Rights
What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is the law passed by Congress defining your legal rights in regard to your Credit Report. Among other rights, the FCRA says:
For more information, visit the Federal Trade Commission's webpage about the FCRA. (http://www.ftc.gov/os/statutes/fcrajump.shtm)
What is the Fair and Accurate Credit Transactions Act?
The Fair and Accurate Credit Transactions Act (FACTA) was signed into in 2003. FACTA was a revision to the Fair Credit Reporting Act (FCRA) and allows consumers to get one free Credit Report from each of the three national bureaus once a year from AnnualCreditReport.com.
What is the Credit Repair Organizations Act?
The Credit Repair Organizations Act (CROA) was signed into law in 1996 and governs the business and advertising practices of companies claiming to offer "credit repair" services. Prior to CROA, there were some companies that took advantage of consumers and profited on advice that actually hurt consumers instead of helping them.
Be very careful when dealing with any company that offers to "fix" or "clean" your credit for money. Many of the services these agencies offer are things you can do for yourself at no cost, such as filing disputes with the credit bureaus.
For more information, visit the Federal Trade Commission's webpage about CROA. (http://www.ftc.gov/os/statutes/croa/croa.shtm)
Is this where I get the free Credit Report from the government?
No, that is a different site called AnnualCreditReport.com.
Credit Reports
What is a Credit Report?
A Credit Report is a snapshot of your experience with credit-related accounts. Aside from some basic personal information, like your name and address to help identify your report, there are three main types of information on your Credit Report:
Public Records: Court-related information, including bankruptcies, state and county court records, tax liens, monetary judgments and, in some states, overdue child support payments.
Credit Inquiries: Names of businesses or individuals that have obtained a copy of your Credit Report, including lenders, landlords, and employers.
Accounts: Payment history on all your Real Estate, Installment, and Revolving Credit Accounts.
Which bureau's Credit Report do you provide?
CreditReport.com provides you with access to your Experian, Equifax and TransUnion Credit Reports.
How often do you refresh my Credit Reports?
There are very specific laws for your protection that prohibit anyone from accessing your Credit Reports without your permission, and that includes us. While we do periodically update your Experian Credit Score and some summary information automatically, we never refresh your Credit Reports unless you specifically give us permission to.
What should I do if there's a mistake on my Credit Report?
If you see something that is incorrect on your Credit Report and want it corrected, you have two options available. You can either contact the company reporting the incorrect information directly or you can file a dispute with the credit bureau. More information on filing disputes, and access to the Experian Online Dispute is available in the Dispute Center.
What should I do if there's something on my Credit Report that hurts my Credit Score?
In 1996, Congress passed a law called the Credit Repair Organizations Act (CROA) that limits the ability of many organizations from offering "credit advice". While we do offer a great deal of credit-related education throughout the website, we are unable to provide any direct advice on how someone could improve their credit.
Why doesn't the information on my Three Bureau Report match from bureau to bureau?
The three national credit bureaus do not share information with each other, so if your creditor only sends information to one or two of the bureaus or only pulls an inquiry from one bureau, then the information won't appear on all three reports. The three bureaus also have different formats for the way they collect and store data, so sometimes information for the same account may appear differently from one Credit Report to another. This is why scores are sometimes different from one bureau to another.
Will my spouse's name and information appear on my report?
There is no such thing as a "joint" Credit Report. Every Credit Report is specific to the individual. However, if you are both listed on an account (as co-owners of the account or as authorized users) then that account would appear on both of your Credit Reports.
What is Adobe Reader and why do I need it to print my report?
Adobe Reader is a software program used by hundreds of thousands of companies to view files called PDFs. PDF stands for Portable Document Format. You probably already have Adobe Reader on your computer. Many computers come with the program pre-installed. If you do not already have Adobe Reader on your computer, you can install it for free from adobe.com. (http://www.adobe.com/products/reader/)
We use Adobe Reader for the printable version of the Credit Report because it provides the cleanest, easiest way to print the report. If you try to print the online version of your Credit Report, the print out would contain awkward page-breaks and would use extra ink for all of the background images on the website.
Credit Scores
What is a Credit Score?
A Credit Score is a number based on the information in your Credit Report. It is similar to a grade you would have gotten in school, but instead of right and wrong answers your Credit Score is based on positive and negative credit history. Paying your bills on time and using your credit responsibly builds a positive history while paying bills late and being irresponsible with your credit builds a negative history.
There are many different ways to calculate a credit score. CreditReport.com uses the PLUS Score calculation, which is the standard calculation offered by Experian.
How often do you update my Credit Scores?
You first get your Experian, Equifax and TransUnion Credit Scores when you sign up for your membership. After that, you'll have the ability to request updated Credit Scores every 30 days after.
Additionally, we'll update your Experian Credit Score automatically twice each month.
How do I use the Score Center?
The Score Center has three different pages where you can track your Experian score over time, understand the factors that determine your score, and estimate possible changes to your score. Your most recent Experian score is always available in the top right of the Score Center.
On the Track Your Score page, there is a graph showing how your Experian score has changed over time. You can use the dropdown menu to highlight the last three months, or view your complete history from the beginning of your membership. You also have the option of seeing your score history in a list format.
On the Understand Your Score page, we have provided a list of the factors that primarily contributed to your most recent Experian score (positive and negative). They are displayed in order of impact, with the first entry being the factor that affects your score the most. You can also re-sort to display negative and positive factors separately.
On the Estimate Your Score page, you can project how your Experian score may change based on various credit behaviors. Using a dropdown menu, it allows you to simulate changes to your Credit Report.
How long are my Credit Scores available?
Your most recent Credit Scores are available on your homepage. If all 3 scores are not appearing, you will need to order an up to date 3-bureau credit report and scores.
Which bureau's Credit Report is my Credit Score based on?
CreditReport.com provides you access to your Credit Reports and Scores from Experian, Equifax and TransUnion.
Why is this score different from the one I got somewhere else?
It's a common credit myth that there is only one way to calculate a Credit Score. Many lenders use their own customized calculations. All three bureaus offer different calculations, and there are multiple "FICO" score calculations. There are estimates that say there are over 1,000 different Credit Scores in use. For more information about different score models, we recommend you read this article on Experian.com. (http://www.experian.com/ask_max/max080807b.html)
The score calculation used on CreditReport.com is the PLUS Score, which is the standard calculation offered by Experian.
The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day.
Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that´s different from the PLUS Score you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender´s score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
Why is my Credit Score different from the three different bureaus?
The three national credit bureaus do not share information with one another. This means if your creditor only sends information to one or two of the credit bureaus or only pulls an inquiry from one bureau, the activity won't appear on all three reports. The three bureaus also have different formats for the way they collect and store data, so information for the same account may appear differently from one Credit Report to another. This is why scores are sometimes different from one bureau to another.
How do I improve my Credit Score?
In 1996 Congress passed a law called the Credit Repair Organizations Act (CROA) that limits the ability of many organizations from offering "credit advice". While we offer a great deal of credit education throughout the website, CreditReport.com is unable to provide any direct credit improvement advice. Experian Credit Advisors, Inc. an Experian sister-company, can provide advice.
Credit and Score Alerts
What are Credit Alerts?
Your Credit Report is monitored daily to see if key information has changed or if new data has been added. If it has, we'll send you an email to let you know. You may also enable SMS Alert Messaging in your Alert Settings page. Your newest unviewed alerts are posted to your Member Homepage, and you can review all of your alerts from the Alerts Center. Key changes include Public Records, Potentially Negative Information, New Hard Inquiries, New Accounts, and Address Changes.
What are Score Alerts?
Your Experian® Credit Score is monitored twice a month for changes. When you create your membership, you are automatically set up to receive Email Alerts for changes in risk levels and changes of more than ten points. You may also enable SMS messaging in order to receive your alerts to your phone. You can adjust these settings and set up additional alerts from the Alert Settings page for no additional cost. Your newest unviewed alerts are posted to your Homepage, and you can review all of your alerts in the Alerts Center.
Your new score will also update your Score Center, where you can track your score over time, understand the factors that contribute to your score, and estimate possible changes to your score.
How will I receive my alerts?
You automatically receive your alerts via emails. However, we encourage you to enable SMS alert in your Alert Settings page to ensure that you will receive your alerts in case our emails are caught in your junk mail folder.
What if I´m not receiving my alerts?
Please check to make sure that your email address and your SMS info in your account profile are up to date. You can update your alert settings and set up additional alerts from the Alert Settings page for no additional cost. You may also contact our Customer Care Representatives at 1-877-297-7790 if you need help updating your email address.
How do I use the Alerts Center?
The Alerts Center provides a list of all the credit and score alerts we've sent you. The most recent alerts appear first on the page, and unviewed alerts are highlighted for you. To view additional information about a specific alert, click on the alert and the panel to the right will provide details and educational information. You can also use the view filter to see only score alerts or credit alerts, and go back through your history using the page links at the bottom.
When will I start receiving alerts?
It usually takes 48 hours for Experian to enroll new members in all the different types of alerts we send out. You will know enrollment is complete because the alerts section of your Member Homepage will update to tell you so.
Make sure that you have added email@example.com to your address book so your alerts don't get blocked by your spam or junk mail filter.
What should I do when I get an alert?
That depends on what type of alert it is, and whether or not you recognize the information in the alert. We recommend you view all the alert details in the Alerts Center and read the extra information available there to help determine your next steps.
Can I change the email address alerts are sent to?
Yes you can. You are able to change the email address for your account from the Email and Text Message Settings page.
Can I get my alerts as text messages?
Yes you can. You are able to set up, modify, or cancel text message alerts from the Email and Text Message Settings page for no additional cost.
If you need help, simply text HELP to the short code you are enrolled in from your mobile device. To quit, simply text STOP to the short code you are enrolled in from your mobile device, or opt-out from the Email and Text Message Settings page. Be advised, STANDARD AND MESSAGING DATA RATES MAY APPLY.
My alert disappeared off the homepage. Where is it?
Don't worry, it's not gone. We only display the alerts you haven't seen yet on the Member Homepage. All of your alerts are still available in the Alerts Center.
The site says I got an alert, but I don't remember receiving it. What happened?
If we show an alert on the website and you didn't receive an email, it's probably because your spam or junk mail filter prevented you from receiving it. Make sure that you have added firstname.lastname@example.com to your address book, and that should fix the problem.
If this happened, you should also go to the Alerts Center to review all the alerts we have sent you to make sure you didn't miss anything else.
I got an email saying that I was only enrolled in one or two of the credit bureaus. What happened?
Unfortunately, a small percentage of people are not able to be enrolled in credit monitoring with all three bureaus. This may be because you don´t have a credit file with one or more or more of the bureaus. We will keep your membership active as long as we can enroll you in at least one of the bureaus. If you have any further questions about this situation, please contact one of our Customer Care Representatives at 1-877-297-7790.
Monthly Statement
What is a Monthly Statement?
One of our goals is to simplify the confusing world of credit for you. Our website offers a lot of different ways to view and understand your information, but sometimes you just want one simple way to see it all. Once a month we'll take your Experian Credit Score, any alerts we've sent you, some important summary information from your Experian Credit Report and provide it in one easy-to-read format.
How do I know when my Monthly Statement is updated?
We'll send you an email, and there will be a notification on the "Report" tab at the top of the website letting you know the Monthly Statement is ready.
Which bureau is the information in the Monthly Statement based on?
The Credit Score and the Credit Summary data in the monthly statement are based on the information in your Experian Credit Report. The alerts history in the monthly statement is based on information from all three of the national credit bureaus.
What is Adobe Reader and why do I need it to print my Monthly Statement?
What is CardSafe?
CardSafe is a card registry product that helps you quickly recover the loss of credit or debit cards if your wallet or purse is lost or stolen. Using the information already in your Credit Report, and any additional information you provide, we keep a log of all your credit cards. If your wallet or purse is ever lost or stolen, instead of calling dozens of companies to cancel cards and order new ones, just call us and we'll take care of everything for you.
CardSafe is available for purchase as an additional benefit to your CreditReport.com membership for a $39.95 annual fee.
How much does CardSafe cost?
CardSafe costs $39.95 for an annual membership. You may cancel at anytime; however, you will not be eligible for a refund of your annual membership fee.
What is the CardSafe Guarantee?
CardSafe offers you guaranteed registration for your Credit, Charge, Debit, and ATM cards. As a member of CardSafe, if your cards are lost or stolen, we will guarantee reimbursement for unauthorized charges made after you've reported your missing cards to us, and for which your card issuer holds you liable.
If you have charges that you believe should be covered by the CardSafe Guarantee, contact your caseworker and they will walk you through the claims process.
What should I do if my credit cards are lost or stolen?
If your credit cards are lost or stolen, please contact us immediately at 1-866-227-3718 to speak with a Fraud Resolution Representative who will be happy to assist you.
Can I add, edit, or delete cards in my registry?
Yes. You may add, edit, and delete cards on the Card Details page. If you want to add a new card, fill in the blank fields, and save your changes. You may edit a card by clicking the edit link next to the card and to delete a card check the delete box next to the card and save your changes.
Why aren't my credit cards listed on my Card Details page?
If your credit cards are lost or stolen, we will pull a fresh Credit Report with you on the phone to make sure we have the most up to date information. The Card Details page is your place online to enter in any ATM or Debit Cards that wouldn't appear on your Credit Report.
Do laws limit my responsibility for unauthorized charges?
Under Federal law, your responsibility for unauthorized charges is generally limited to $50 per Credit Card and up to $500 per ATM or Debit card. The amount for which your card issuer holds you liable will depend on how quickly you report your lost or stolen cards to your card issuer. If your card issuer holds you liable for unauthorized charges made after you report your missing cards to us, we will guarantee your reimbursement for those charges.
How do I contact a Fraud Resolution Representative if I am in a foreign country?
If your credit cards are lost or stolen while you are in a foreign country, call 1-479-573-7316 to speak with a Fraud Resolution Representative who will be happy to assist you.
What is ChildSecure?
ChildSecure is an identity monitoring product for your children. After you've enrolled your children in ChildSecure, we will monitor the Experian Credit Database for any records and alert you if someone applies for credit accounts using your children's personal information.
ChildSecure is an included benefit to your CreditReport.com membership.
If I enroll my child, what will you do with my child's information?
We treat your children's information with the same care and sense of privacy and security that we treat your personal credit information. We do not use it, resell it, or provide your credit information to any third-party marketers. If you call one of our Customer Care Representatives they do not see your child's information unless you give them specific permission to do so.
Please see our Privacy Policy for full details about how we protect the information you submit to us.
If I can obtain this information about my child's files, can't other people also obtain this information?
No. You are able to enroll your child in monitoring online, but in order to see any information that is collected through the monitoring process, we require you to fax documentation that you are the parent or legal guardian to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a paper copy of your child's information in the mail.
Why can't I see my child's information online?
We take you and your children's privacy and security seriously. Because there is no definite way for you to prove that you are the parent or guardian of your child online, we require you to fax documentation to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a paper copy of your child's information in the mail.
What if I forget my username and password?
If you have forgotten your username or password, click here to reset your username and password online. We will ask you a few questions based on information you gave us when you established your membership. You will then be able to reset your information. You can call us at 1-877-297-7790 if you need additional assistance.
I tried to order, but I got an error message saying I would receive a letter in the mail with an access code. What happened?
We take privacy and security very seriously. If you got that message it was because we weren't absolutely certain you are who you say you are. As a way of validating your identity, we send a letter to the address on your Credit Report with an access code. When you receive the letter, sign in to the website and provide that code to access your report.
If you've moved, don't worry. The person living at your old address would also need to know the username and password you created to log into the website. Your information is still secure. Call us at 1-877-297-7790 and we'll try to validate your identity over the phone.
When I signed up with you I got a message saying I wasn't eligible for the free trial. Why not?
The free trial membership is a promotional offer. If you are receiving this message, you do not currently qualify for a free trial.
My order didn't go through. What happened?
We're sorry that happened. Most orders process in just a few seconds, but for various reasons some orders are not able to be completed right away. The two main reasons this happens are:
- We are unable to confirm your identity. We take security and privacy very seriously, and need to be certain you are who you say you are before we can present any sensitive information.
- The credit bureau doesn't have a complete report for you. This can happen for younger people still establishing their credit, for people who don't use credit very often or for people who have spent years out of the country.
If you need further assistance with your order call our Customer Care Team at 1-877-297-7790.
Why aren't the graphs or calculators showing up?
You must have Java installed in order to view our graphs and calculators. You may download Java free of charge at www.java.com.
Why do some of the webpages look like they're not loading all the way, or have missing pieces?
What is Experian Credit Advisors?
Experian Credit Advisors, Inc., an Experian sister-company, is a credit advice service provided by iQual Corporation. The credit advisors at iQual offer explanations and advice to consumers using their Experian credit report. Learn more.


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Executives and investors have reliable tools for measuring performance in capital-intensive sectors such as manufacturing, retailing, and consumer goods. In general, the math is simple: when managers generate returns on invested capital (ROIC) above their cost of capital, they create value. That formula makes it relatively easy to compare the creation of value among business units or between companies.
But what if the invested-capital side of the equation approaches zero, as it increasingly does among companies that use outsourcing and alliances and thus reduce the capital intensity of parts of their businesses? Other businesses, such as software development and services, also have inherently low capital requirements or take advantage of atypical working-capital dynamics, including prepayment by customers for licenses and payment by suppliers for inventory. Even traditional businesses are shedding capital: the median level of invested capital for US industrial companies dropped from around 50 percent of revenues in the early 1970s to just above 30 percent in 2004.1 1. This statistic is based on a McKinsey analysis of more than 600 companies with sales greater than $100 million. The classification of a company as an industrial one is based on the Compustat CIGS classification system, jointly launched by Standard & Poor's and Morgan Stanley Capital International (MSCI) in 1999.
When a company's or a unit's business model doesn't call for substantial capital or even involves negative operating capital, the ROIC is usually extremely large (whether positive or negative), very sensitive to small changes in capital, and highly volatile and thus often inappropriate as a tool for comparing the performance of business units or companies. What's more, executives who continue to use ROIC as their main point of comparison are likely to measure and manage performance unproductively. They might hesitate to invest additional resources in low-capital businesses (Exhibit 1) or, still worse, ignore capital altogether and focus on margins alone as the primary performance metric.
Capital requirements vary across businesses.
A more useful way to measure performance is to divide annual economic profit by revenue.2 2. Economic profit is typically defined as a company's posttax operating profit minus a capital charge, calculated as the company's weighted average cost of capital (WACC) multiplied by the operating invested capital. See Tim Koller, Marc Goedhart, and David Wessels, Valuation: Measuring and Managing the Value of Companies, fourth edition, Hoboken, New Jersey: John Wiley & Sons, 2005, pp. 182–8, for more information about calculating ROIC and economic profit. Grounded in the same logic as conventional ROIC and growth measures,3 3. The present value of economic profit plus invested capital yields the same enterprise value as formulas based on ROIC and growth and discounted-cash-flow models. this metric gives executives a clearer picture of absolute and relative value creation among companies, irrespective of a particular company's or business unit's absolute level of invested capital, which can distort more traditional metrics if it is very low or negative. As a result, executives are better able to evaluate the relative financial performance of businesses with different capital-investment strategies and to make sound judgments about where and how to spend investment dollars.
In application, this approach will vary from business to business, depending on what is defined as volume and margin. In a people business, such as accounting, the margin would likely best be broken down into the number of accountants multiplied by the economic profit per accountant. In a software business, however, it would be better calculated as the number of copies of software sold times the economic profit per copy of software; in this case, deriving the margin from the number of employees wouldn't make sense. But in all cases, this approach can provide a more nuanced understanding of performance across businesses or companies with divergent levels of capital intensity.
A large European industrial conglomerate provides an example of the difficulties of using ROIC to compare business units with different levels of capital intensity. The company's executive board decided to take advantage of a trend in traditional industries toward adopting the next generation of process automation software and services by launching a business unit that exclusively offered software solutions based on standard off-the-shelf hardware. The new business naturally had a low level of invested capital, since its assets were essentially people and no manufacturing was involved. The willingness of customers to pay in advance for software development moved the level of operating invested capital below zero.
But while the move made strategic sense, operational reviews among the conglomerate's business units became meaningless. Executives insisted on comparing them only on the basis of ROIC and growth performance, which meant that much time was spent arguing about the negative ROIC of the new business and whether it created or destroyed value and was on track to become a profitable undertaking. Nobody could assess the performance of the software business against that of the conglomerate's traditional businesses. Discussions about the allocation of resources became heated—in particular because the growing software business needed to hire staff while older units were cutting back.
Since business models within a single industry may diverge, similar problems bedevil many executives trying to compare overall corporate performance. A US high-tech manufacturer that pursued an aggressive facility-outsourcing strategy combined with a just-in-time inventory system eventually drove its invested capital below zero. As a result, the company's ROIC was negative and therefore meaningless. A direct competitor also acted to improve its efficiency but kept its manufacturing assets in house. This decision left it with significantly higher levels of invested capital but also with higher margins. It thus had a substantial positive—and meaningful—ROIC, which made apples-to-apples comparisons between the two companies impossible. Furthermore, the ROIC of the first company fluctuated wildly, as minor changes in its invested capital sharply altered the results of the ROIC calculations.
Board members and investors of this first company frequently wondered if it was outperforming its competitor and wanted to know how management was judging the performance of its strategy and business model. In frustration, the company's executives and board increasingly focused on margins as their key operating metric. But the appropriate level of margins for their low-capital strategy was difficult to judge. They recognized that a business whose capital intensity was low as a result of outsourcing should have lower margins than one that retained its manufacturing assets and thus substantial capital, but they struggled to determine how low a level was reasonable.
To understand how a metric based on economic profit and revenue can eliminate such distortions in measuring value, consider a hypothetical company with three business units, each with $1 billion in revenue (Exhibit 2, part 1). Two newer business units—a software business and a services business—have very low or negative invested capital. The company's more asset-heavy traditional business can extract a profit margin of 12 percent (compared with 7 percent for the other units) because it doesn't outsource any parts of the value chain and has an established, captive customer base that faces high switching costs. It is growing more slowly, however—by 4.5 percent a year, compared with 6 percent for the new businesses.
Measuring value among business units—return on invested capital vs. economic profit
Using these data, the return on capital for the software business is a negative 700 percent while the ROIC of the services business is a positive 700 percent, even though the actual difference in the invested capital of the two units is only 2 percent of revenue. The traditional business has a 30 percent ROIC. A conventional evaluation of performance would compare the two newer businesses on the basis of their margins (because their capital is so small as to be deemed meaningless) and scold the traditional business for its high capital intensity.
That kind of approach can lead to serious misjudgments of the value created by the three units and to the misallocation of resources among them—as indicated by the fact that the traditional business has the highest value of the group, even though it has the lowest growth rate (Exhibit 2, part 2). How can this result be reconciled with the observed returns on capital in order to compare the true fundamental performance of the three units? It turns out that in this case, ROIC tracks the creation of value much less accurately than does economic profit divided by revenue. According to that measure, the economic performance of the three units is remarkably similar. All are creating value in absolute terms (all the ratios are positive), and they are creating value at a similar rate, with the traditional business slightly ahead.
Equally important, economic profit divided by revenue avoids the pitfalls of ROICs that are extremely high or meaningless as a result of very low or negative invested capital. Economic profit, in contrast, is positive for companies with negative invested capital and positive posttax operating margins, so it creates a meaningful measure. It is also less sensitive to changes in invested capital. If the services business mentioned previously doubled its capital to $20 million, its ROIC would be halved. But its economic profit would change only slightly and economic profit divided by revenue hardly at all (to 6.8 percent, from 6.9 percent), thus more accurately reflecting how small an effect this shift in capital would have on the value of the business.4 4. Economic profit in the example falls by WACC times the change in capital, or $1 million. The value of the business falls to $1.720 billion, from $1.735 billion, on this change.
Using the same approach, consider again attempts to compare the operating performance of the US high-tech manufacturer with that of its direct competitor (Exhibit 3). Owing to the high-tech company's negative invested capital (a result of the outsourcing strategy), ROIC comparisons were meaningless. Margin comparisons were also tricky; a company that outsources would be expected to have lower margins than one that holds on to all parts of the value chain. But an analysis using economic profit divided by revenue made it clear that the outsourcing strategy as implemented wasn't as successful as had been hoped; the high-tech company was still generating less value per unit of revenue than its competitor.
ROIC comparisons can be meaningless.
Executives of the large European industrial conglomerate mentioned previously ultimately decided to use economic profit, combined with value targets based on economic-profit-discounting models, as its measure for success. While this approach required a significant investment in training, the change reflected management's goal of a consistent measure for value creation across capital-light and capital-heavy units.
Returns on capital will always be an essential metric for managers. Yet in businesses with low levels of invested capital, replacing ROIC with economic profit divided by revenue will make internal and peer comparisons much more meaningful.
Mikel Dodd is a partner and Werner Rehm is a consultant in McKinsey's New York office.
This article was first published in the Autumn 2005 issue of McKinsey on Finance. Visit McKinsey's corporate finance site to view the full issue.
March 2005—Earnings per share and share prices aren't the whole story—particularly in the medium and long term.more
March 2005—Assessing an acquisition's value by estimating its likely impact on earnings per share has always been flawed. Now it's likely to be flat-out wrong.more
March 2005—A properly executed multiples analysis can make financial forecasts more accurate.more
August 2004—Tempted by a project with a high internal rate of return? Better check those interim cash flows again.more
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Lost in the shuffle of the craziness of the past week and the Thanksgiving Holiday, the Professional Referee Organization announced earlier in the week that newly crowned Referee of the Year Silviu Petrescu will officiate the 2012 MLS Cup between the LA Galaxy and Houston Dynamo on Dec. 1 at The Home Depot Center.
Petrescu worked 20 MLS regular season games this season as well as one postseason game -- LA's 2-1 win over Vancouver Whitecaps FC on Nov. 12. The Canadian referee officiated three matches apiece for the Galaxy and Houston as well as their May 26 meeting at BBVA Compass Stadium.
A complete breakdown of Petrescu's games with LA and Houston as well as his complete officiating crew is below.
HOUSTON DYNAMO vs. LA GALAXY
5/26 - HOU 2 LA 1. FOULS: 20 (10 for Houston and 10 for LA); CAUTIONS: 4 (1 for Houston and 3 for LA)
LA Galaxy
11/1 - LA 2 Vancouver Whitecaps FC 1. FOULS: 24 (12 for LA and 12 for Vancouver); CAUTIONS: 4 (2 for LA and 2 for Vancouver); PENALTIES: 1 (Converted by LA)
7/18 - Vancouver Whitecaps FC 2 LA 2. FOULS: 35 (16 for Vancouver and 19 for LA); CAUTIONS: 4 (1 for Vancouver and 3 for LA)
Houston Dynamo
8/3 - HOU 2 New York Red Bulls 0. FOULS: 20 (10 for Houston and 10 for NYRB); CAUTIONS: 2 (Houston
3/11 - Chivas USA 0 HOU 1. FOULS: 26 (12 for Chivas and 14 for Houston); CAUTIONS: 1 (Houston)
2012 MLS Cup Officiating Crew
ASST 1: Daniel Belleau
ASST 2: Darren Clark
4TH: Hilario Grajeda
Marcelo Sarvas is into the Quarterfinals of FutbolMLS.com's Latino del Año 2012 or Latino Player of the Year.
Sarvas is matched up against FC Dallas' Panamaian forward Blas Pérez in the quarterfinals. The Brazilian, who joined the club from Costa Rican side Alajuelense during the offseason has made 37 appearances for the LA Galaxy in all competitive matches this year, tallying two goals and two assists. Meanwhile Perez made 20 appearances for FCD in 2012, scoring nine goals as well as four assists.
Whether you celebrate Thanksgiving or just Thursday, I wanted to take a moment to offer my thanks to all of those that have supported the LA Galaxy Insider since the blog's inception in July.
I know that I'm incredibly thankful to have the ability to serve as the LA Galaxy Insider and for all my interactions with players, journalists, staff, and fans.
On this holiday, a few members of the LA Galaxy including head coach Bruce Arena took part in the Foundations' Feast, which is an annual Thanksgiving Dinner for children and families in need hosted by the LA Galaxy Foundation and The Home Depot Center Charitable Foundation. Check out some photos from that event here.
One MLSsoccer.com reporter Jonah Freedman wrote the following piece stating how thankful he is for David Beckham's six-year career in MLS. Be sure to watch my interview with the LA Galaxy midfielder as we close into the final game of his Galaxy career, the 2012 MLS Cup Final on Dec. 1 against the Houston Dynamo at The Home Depot Center.
Have a Happy Thanksgiving.
CARSON, Calif. – The LA Galaxy took part in their final training session on Wednesday before a three day break for the Thanksgiving holiday.
Before the Galaxy players crisscross the country for the holiday, they took part in a brisk session at the training ground in the shadow of The Home Depot Center. The holiday break will be the club's biggest in a month ahead of their most important game of the season, the 2012 MLS Cup which takes place on Dec. 1 at The HDC.
Below Bruce Arena, Todd Dunivant, Mike Magee, Sean Franklin, and Jose Villarreal discuss the implications of the holiday break on the team.
ARENA: "I think [it's good]. Hopefully we can get back into the swing of things quickly [on Sunday]. With the game still a bit away, we can afford the three days and hopefully it'll get the guys rested and ready to go next week."
DUNIVANT: "We need the break, it's been a long five playoff games in a very short amount of time. We had a really good tough session today and I think we felt our heavy legs, so it'll be good to get time off and regroup, regenerate, and be ready to come back sharp next week."
FRANKLIN: "I wish it wasn't such a big break. Last year, there was also two weeks between the conference game and the MLS Cup and it'd be nice to have the game this week to keep the momentum from our game this past Sunday. It is what it is, it's nice to have a few days off to get a few guys healthy who have a few knocks and nicks. [When] we come back from this break, it's time to crack down and get things sharp for December 1."
MAGEE: "I think it's good. We got some guys banged up that we want to get back. A bunch of guys are ill and I don't think that Seattle weather helped us too much. I think we think we needed this break, obviously, we would have liked a break before, but we'll take it now."
VILLARREAL: "Since the Seattle game, I think about the final every day, but it's good to have a couple of days off and to with the family and enjoy that time. Then we get back to business and get to it to win that cup again."
CARSON, Calif. -- The United States Under-20's learned their opponents for the group stage of 2013 CONCACAF U-20 Championship in Puebla, Mexico, which serves as the qualifying tournament for the 2013 Under-20 World Cup.
The Americans were awarded the top seed in Group A for the tournament that takes place from February 18 through March 2 and will take on Costa Rica and Haiti. The top two nations in each of the four groups will reach the quarterfinals while the four nations that advance to the semifinals will move on to the 2013 U-20 World Cup in Turkey. (The complete schedule for the CONCACAF tournament can be found here.)
One player that is expected to be on the field for the Americans in Mexico is LA Galaxy forward Jose Villarreal, who is hopeful that he can become a key part of U-20 head coach Tab Ramos' squad.
"That's important for me getting to be with the Under-20s and getting ready for qualifiers and hopefully we make it to the World Cup," said Villarreal. "It's going to get me fitter and expose me to different players, different coaches, and different styles of play."
With World Cup qualifying in his sights, Villarreal admits that he's certainly learned a great deal during his U-20 experience.
"It's definitely positive in every way," said Villarreal. "It's a little similar to what the national team is like and it's always fun to be around a group of guys that are the best in their age group. It's just fun because you can learn a lot from them and we're all friends and it's always fun to play with friends."
David Beckham may be playing his last game for the LA Galaxy on Dec. 1 in MLS Cup 2012 at The Home Depot Center against the Houston Dynamo, but AEG President and CEO Tim Leiweke is adamant that the only place for the club to move in the post-Beckham era is forward.
In the second and final part of his exclusive interview with LA Galaxy Insider on Tuesday evening, Leiweke discussed the Galaxy brand and what is next for the team after David Beckham. (Part one is here.)
One of the largest spots of growth has been on the brand side where LA have grown exponentially. Last November, the Galaxy signed a 10-year $55 million television contract with Time Warner Cable Sports, the most lucrative in MLS history and in March signed a 10-year $44 million dollar sponsorship extension with Herbalife—also the most lucrative in MLS history—to be the official presenting sponsor and jersey sponsor of the Galaxy.
"We created one of the top brands in soccer in the world and I think people know the Galaxy worldwide. I'm always traveling around the world to all of our different companies and assets and I see Galaxy jerseys in China, I see Galaxy jerseys in Europe and London, so I think it's unique that we've been able to take an MLS club in a country that people thought didn't care about soccer and make it one of the more recognizable soccer brands in the world."
"That is a credit to David and the fact that he not only put us on the map, but made a statement once we got there. That's not going to go away, everyone always underestimates Robbie Keane, but the man is to this day still one of the top 10 scorers in the history of the Premier League and we have arguably one of the best American players who has ever played the game," Leiweke added. "These are guys that are 31, 32 years old and they're not going anywhere, so as much as David put us on the map, we got a team, a coach and an organization that aren't going anywhere and we're going to continue to grow. So as sad as I am to see David leave because he is a friend and a tremendous influence on this organization, that said, this is the right time."
Although Beckham will depart the club next month, Leiweke reveals that conversations about the Galaxy's next step have been ongoing for months.
"Bruce, Chris Klein and I have spent a lot of time talking in the last three or four months about where we go next. You know, we're very fortunate to have Juninho and Sarvas. We're not lacking for good creative midfielders and they're young and hopefully this gives us resources to keep that nucleus intact," said Leiweke. "We're lucky we have Robbie Keane, he makes this a much easier transition, we're lucky we have Landon Donovan. Frankly, I think from a player standpoint, I don't think we miss a beat next year. I love David, but I think David would be the first to tell you that with Juninho and Sarvas, we got a pretty potent midfield, so I don't think you're going to see slippage here."
And of that designated player spot? Leiweke admits that the club is going to look for the right fit, not just the first player that comes along.
"Yes, it does give us a DP slot, but don't expect us to rush out and go fill it. We're going to fill it with the right guy and it's the right guy for this marketplace, the right guy for Bruce and the team that he and Chris want to build," said Leiweke. "Chris and I have spent a lot of time talking about where we go find that next guy. It's going to have to be the right guy not the first guy, which means maybe we're patient for a year or two until we get the right guy."
CARSON, Calif. –AEG President and CEO Tim Leiweke was instrumental in bringing David Beckham to the LA Galaxy in 2007, but the man that brought Beckham to Los Angeles admits that it was time for both to move on.
Six years after Leiweke helped the Galaxy sign Beckham, the midfielder will play his final game with the club on Dec. 1 in the 2012 MLS Cup Final against the Houston Dynamo at The Home Depot Center. The match will bring a close to his six-year tenure with LA, where Beckham notched 98 regular season appearances, tallying 18 goals and 40 assists.
In an exclusive interview with the LA Galaxy Insider on Tuesday evening, Leiweke discussed his emotions and thoughts of the Beckham's finale.
"I have mixed emotions. On one hand, I think the world of David; he's been a great player, a great mentor, an important part of the league, an important part of our organization, and a good friend. That said, I'm proud of him, it's the right time. We get a chance to end this with an exclamation mark," Leiweke told LA Galaxy Insider. "I know like me, there have always been critics, speculation and criticism of bringing him here, but it's hard to argue with the success of this organization and that player over the last four years. I just can't think of a better way for him to go out on top then taking one last run at another cup. That is a remarkable accomplishment for the team and for the player. "
During Beckham's interviews with the media on Tuesday, Beckham admitted that Leiweke did try to convince him to stay, but even though he was departing Los Angeles his commitment to the Galaxy and MLS will not change.
Leiweke admitted that he did attempt to sway the midfielder, but it was time for him and for the Galaxy.
"What I care for is David the individual more than David the player. You know, he's taken some hits this year, I actually was a little worried about him at the end of the game in Seattle. I think he's making the right decision here," Leiweke said. "I think he's given us all he has, I think he's done exactly what he's set out to do and I think it's rare in life that a man can walk away with his head held high and his goals intact and he's going to do that here."
"I think he did a phenomenal job and everything that he set out to do," Leiweke added. "I'm grateful for the way that he handled it, for his professionalism, for the environment that he created with our organization and the locker room and for the kind of teammate that he was especially for the young kids. David's been a very good influence."
CARSON, Calif. – In a little more than a week, the LA Galaxy will play for their fourth MLS Cup title on Dec. 1 against the Houston Dynamo at The Home Depot Center. If that wasn't enough to build hoopla, the match will also serve as the final game for David Beckham with the Galaxy.
While Beckham's finale will make headlines worldwide, Galaxy believe that it does not overshadow LA's bid for the title.
"No, obviously they're very aware of their timing, their announcing it and when. For us it doesn't change anything. This team is very used to having a lot of attention on it," affirmed Galaxy captain Landon Donovan. "For different reasons, I actually think it's probably a good thing. He's certainly going to be very motivated, as if he wouldn't be anyway. And for all of us who have been around him a long time we want to send him out on a good note."
Beckham is quick to agree that the drama of MLS Cup only adds to the emotion surrounding his finale with LA.
"It's been my home for the last six years, I've had some amazing times, one or two difficult times, but I've had some amazing memories here in this stadium and with this team," said Beckham. "To be able to finish my career as a galaxy player in my own stadium, in a Cup final is special enough. Hopefully, to win it would finish everything off for me."
The Galaxy midfielder is not alone in that sentiment as head coach Bruce Arena believes that it could augment Beckham's career with LA that has seen him make 98 regular season appearances, tallying 18 goals and 40 assists in six seasons with LA.
"I think it will contribute to a great day," said head coach Bruce Arena. "I think it will make for a fabulous event."
But the Galaxy boss is quick to admit that it will be no easy task for LA or Beckham as the Houston Dynamo pose a real challenge for LA.
"Obviously our team wants to win the Cup and certainly for David to get two and a row would be great," said Arena. "But I forewarn you, our opponent is going to be extremely difficult to beat. Houston is a very good team right now and they're going to be very difficult team to beat."
CARSON, Calif. – What's next for David Beckham?
The 37-year-old midfielder will play his final game for the LA Galaxy on Dec. 1 in the 2012 MLS Cup against the Houston Dynamo at The Home Depot Center, but where he ends up has led to much speculation. One this is for certain, however, as the midfielder believes that he has another challenge left.
"I still feel that I have something left in me as a player," said Beckham. "I still feel like I have one more challenge in me as a player, even at 37 years old. I still can play at a high level. Where that will be yet I haven't decided. I have some exciting opportunities on the table. But right now my focus is on the final."
During his press conference, Beckham issued an emphatic "no" to the prospect of staying in MLS or retirement.
"People have talked about my retirement. People have mentioned when I'd retire," said Beckham. "And I actually don't feel as if I'm ready to retire yet. So that's not one of my options right now."
Those options off the table, there are a multitude of others that have been bandied about where he'll end up next.
"I do have exciting and some interesting options on the table. Over my career I've had many rumors said about where I'm going to be playing, what teams I'm going to be joining and even at 37-years-old that has not changed. I'm sure that will continue to happen until I've made my decision. I haven't made any decision right now because my full focus is on the final in ten days."
And when will this decision come?
"Everyone will know probably by the New Year," he affirmed.
CARSON, Calif. – David Beckham's time with the LA Galaxy may be winding down, but that did not save him from a little bit of friendly banter from his teammates on Tuesday morning.
The LA Galaxy announced on Monday that Beckham will play his final game for the club in the 2012 MLS Cup Final, but head coach Bruce Arena informed the entire team on Tuesday.
With the announcement official, Beckham's teammates had their own reaction to his departure.
"They gave me a bit of applause this morning and a little bit of abuse as well. That's something that I expected. I've always said about it, I'm not just saying it for the first time here. These players are special people, they're not just good players, but they're good people," said Beckham. "And that's hard to come by, to have every one of the players be a good person. I've been honored and very lucky to be a part of that for the last six years."
Defender Todd Dunivant was quick to explain the club's playful jabs, but admitted that the rest of the club is excited for Beckham's future and the future of the Galaxy.
"You always got to jab him because he'd do the same to you. It's a little somber. He's a great teammate and a huge part of our league for the last several years," said Dunivant. "Obviously we're disappointed to lose him and I think he's disappointed to be leaving but he'll have another chapter to go to and so will we."


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EDITOR'S CHOICE -- SCOTT SUTTELL Unemployment is down, but job market really isn't upBy SCOTT SUTTELL 1:04 pm, December 7, 2012
A few quick links for the day: As USA Today points out, the economy needs to add 200,000 to 250,000 a month to boost economic growth significantly. The average produced for the past two years is about 150,000 jobs per month, according to the Bureau of Labor Statistics. Another concern: "The civilian labor force participation rate declined by 0.2 percentage point to 63.6 percent in November, offsetting an increase of the same amount in October." In other words, the labor force shrank. There are still 12 million unemployed, including 4.8 million without a job for at least six months. Also, the government revised down job gains for September and October by a total 49,000. September's additions were revised from 148,000 to 132,000 and October's, from 171,000 to 138,000. Topping the list is a Santa Ana, Calif.-based security services company, Universal Services of America, which has added more than 17,000 jobs since 2008. The top 10 list of Ohio companies is here. Three of them are from our part of the state: insurance company EnvisionRxOptions of Twinsburg, telecom business The Wireless Center of Independence, and MobilityWorks/WMK of Akron, which sells, rents, installs and repairs wheelchair lifts and high-tech driving equipment for physically disabled drivers requiring more sophisticated controls. Forest City has refiled a petition for a zoning change for the 250,000-square-foot project. In August, the newspaper notes, Cambridge City Council tabled Forest City's previous petition "amid strong neighborhood opposition to unchecked commercial development" around an area known as Central Square. The developer said it has "received considerable encouragement" since then from city officials, residents and affordable housing advocates to revitalize the block, according to the Herald. The new, six-story building would allow Millennium to expand its operations into a campus-like environment. USA Today reviewed the final financial reports for the 2012 election, which were filed Thursday with the Federal Election Commission. Although this is the last we'll hear about how the campaign was financed, USA Today reports that the sources of money to several super PACs "still remain cloaked in mystery." For instance, the Government Integrity Fund Action Network, which spent $2.4 million to help Mitt Romney and Republicans running for Congress in Ohio and Connecticut, took in $1.4 million from its nonprofit arm in the final three weeks of the campaign. The nonprofit does not have to disclose its funders. The Offices at the Agora, a Geis Cos. development, next Thursday, Dec. 13, will host "Live at the Agora — Cleveland FastPitch" from 5:30 p.m. to 7:30 p.m. The Agora is at 5000 Euclid Ave in Cleveland's Midtown neighborhood. Small business owners will have 90 seconds to share with judges the following: products and services they offer; target market; how they make money; and their passion for their product or service. Startups must have been in business for no more than five years, have products or services currently being sold to a target market, and must be interested in sharing their business with a new and excited audience. The competition will be judged by representatives from Magnet, Bad Girl Ventures, Bizdom and JumpStart Inc. The company with the best pitch will win an iPad Mini and will receive a mention on a local radio station. Entry deadline for the competition is Monday, Dec. 10. Go here to register. You also can follow me on Twitter for more news about business and Northeast Ohio. PRINTED FROM: http://www.crainscleveland.com/article/20121207/BLOGS03/121209877/0/blogs04&template=printart&template=printart |


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Jail's help-wanted list keeps getting longer at Rockingham County House of Correction
The vacancies come as corrections officers enter their fourth year without a new contract and pay raises. Negotiations resumed in April, but whether county and union representatives will reach an agreement anytime soon remains to be seen.
"It's a maximum security to a minimum security facility. These are sworn law enforcement officers and they're dealing with anything that comes their way and they're very good at it," he said.
"You name the crime, it's in here," Church said.
The base starting pay for a corrections officer is $14.90 an hour.
Tombarello said that one corrections officer left for a security job at Manchester's Elliot Hospital where he'll make $3 more an hour.
"The turnover that's been going on since contract expiration, from our records, is record-setting. We're extremely concerned about the staffing levels and we cannot stress enough the importance of having a contract in place." said Jeff Padellaro, business agent for Teamsters Union Local 633 and the lead union negotiator.
Padellaro estimated that in the next 2½ years over 30 percent of the current workforce will be eligible for retirement.
Church said the jail has tried everything to find qualified help, including visiting job fairs.
Tombarello said he's "hopeful" that a new contract agreement may be reached, but cautioned, "I wouldn't say I'm optimistic."


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Pinterest Shea Body Scrub Select size 7.9 oz Quantity 1 2 3 4 5 6 7 8 9 10 Item 7.9 oz Price $20.00 Add to bag Email When In Stock Please note that there is a limit on this product. Offers available on this product Fast & Easy Returns $5.95 standard shipping. More information Product description Best if you want to: Reveal softer, glowing skin with exfoliating salt grains and organic sugar in a moisturizing, oil-based scrub that has a fresh, classic scent. Best for: very dry skin How it works: Community Trade shea butter has antioxidant vitamins A and E to help protect and nourish skin. Community Trade organic soy oil is very rich in essential fatty acids that help to repair skin's moisture barrier, so skin is smooth and supple. Community Trade organic sugar and salt grains gently exfoliate skin. Shipping Close
Cane Sugar We source our Community Fair Trade cane sugar from the Montillo Cooperative in Paraguay. The Montillo Cooperative was formed in 1995 by 37 small-scale farmers, in a region known as the world's "Cradle of Organic Sugar". They became Fair Trade-certified in 1998, and have now grown to 385 members. Our trade helps them gain technical assistance and better trading conditions for their produce, improving production, and access credit. Learn More →
Shea Butter Our Community Fair Trade shea butter is sourced from northern Ghana, where it has been used for centuries to protect skin from harsh Saharan winds. We work with The Tungteiya Women's Shea Butter Association to produce the rich shea butter we use in our products. The Body Shop provides the 528 women of the Association with a fair wage, and also pays a premium for the women to invest in community projects. Anita Roddick placed our first order in 1994 after an earlier visit to Ghana where she discovered the natural moisturizing properties of shea butter and the amazing women who produced it. Learn More →
Soya Oil We source our Community Fair Trade organic soya oil from Gebana Brazil. Gebana produces soya oil from GM-free, organically grown soya beans cultivated in the hinterlands of the Iguazu River. Gebana comprises around 350 families, mostly smallholder farmers. We have been working with them since 2006, because Gebana differs from much of the soya farming industry, which is one of the major contributors to deforestation in Brazil, by promoting sustainable farming methods and organic produce. Learn More →


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California and New Jersey: From the Garden State to the Golden State #102 Lidia learns all about artichokes at Pezzini Farms in California, and crosses the country to be joined by Tanya for a visit to the Maugeri Farm, grower of New Jersey tomatoes. At the farm, Tanya and Lidia enjoy a classic, home-grown, Italian-American meal with the Maugeri family. Inspired by her visit to Pezzini Farms, Lidia makes an Artichoke Soup, followed by Stuffed Vegetables and a Radicchio, Goat Cheese, and Raisin Salad. |
Pittsburgh: Pittsburgh's Italian Americans #103 In this episode, Lidia travels to Bloomfield, home of Pittsburgh's Little Italy. Here she visits Maria Merante Palmieri's quaint Italian gift shop, Merante's Gifts, grabs a sandwich at Primanti's where she talks with Antonia Corradetti, and takes viewers on a tour of Lidia's Pittsburgh. Back in the kitchen, Lidia prepares a Baked Ziti, a delicious sandwich of Primanti's Capicola and Cheese, and Fettucine Mafalda. |
New England: Spicy and Sweet in New England #104 Take a trip with Lidia to Gloucester, Massachusetts, a fishing village with a large Italian population, and then visit Providence, Rhode Island, where Lidia goes to the Scialo Brothers' Bakery. Lidia makes Spaghetti with Lobster Sauce and tries the Scialo Brothers' recipe for Boston Cream Pie Cupcakes. |
New Orleans: The Sicilian Quarter #105 In this episode, Lidia is joined by Tanya as she heads to New Orleans' Sicilian Quarter, where she stops by the Central Grocery to enjoy a classic Muffuletta sandwich and then visits the Immigrant Monument in Woldenburg Park. Back in the kitchen, Lidia fries up marinated artichokes and makes a Muffaletta Sandwich with Ricotta, Anchovies, and Olive Oil. |
California: Pesto Pronto! #106 On her trip to the Golden State, Lidia meets with Brady Whitlow, president of Corto Olive, to talk about their methods of producing Italian-style olive oil in California. Next, Lidia visits one of the longest-standing wine making families in Sonoma County, the Seghesio family, at their vineyards. Joe joins Lidia in the kitchen to give his take on how to use pesto in two easy recipes: Pesto Salmon BLT and Pesto Chicken Salad. Lidia explores pesto's possibilities with a Spaghetti with Basil and Pistachio Pesto and a Fusilli dish with Spinach Walnut Pesto. |
St. Louis: Macaroni & Cheese: An American Favorite, Inspired by Italy #107 Lidia travels to St. Louis and visits Volpi Foods, where she chats with owner Armando Passetti about their variety of cured Italian meats. Later, Lidia shows viewers the rich history of St. Louis's Italian neighborhood, the Hill. In the kitchen, Lidia is happy to be joined by her granddaughter, Julia, as she makes Macaroni and Cheese, an American classic, as well as Veal Hamburger Parmiciano, and wonderful Braised Escarole. |
Kansas City: Italian American Steak In Kansas City #108 Join Lidia in Kansas City, where she and Cody Hogan talk with Mario Fantasma, owner of Paradise Locker Meats, about the heritage pork he provides to Lidia's Kansas City. Later, get an exclusive tour inside Lidia's Kansas City! Last but not least, Tanya brings viewers on a journey through the impressive collection at the Nelson-Atkins Museum in Kansas City. Lidia makes Steak Pizzaiola, tempting Roasted Potato Wedges, and caps the meal off with Ricotta Cookies for dessert. |
Chicago: Chicago's Italian Beef Sandwich #109 Join Lidia and Tanya in Chicago, where Tanya shows viewers the Piazza DiMaggio and Italian-American Sports Hall of Fame, both located on Taylor Street, a testament to Italian Chicago's great pride in its heritage. Back in New York, Lidia meets up with Pat LaFrieda of LaFrieda Meats to learn all about inexpensive and incredibly tasty cuts of meat. Lidia's grandson, Lorenzo, helps Lidia make a simple Pasta with Lentils, Italian Beef Sandwich, and Lemon Ice for a refreshing dessert. |
Baltimore: Gone Crabbing #110 In this episode Lidia heads to Baltimore, where she goes crabbing off of Tangiers Island, VA in search of the freshest crabs for her crabcakes. In this exciting episode, viewers will witness the molting of the crab's shell with the local mayor - one of the watermen of the island. In the kitchen, Lidia prepares a truly nautical meal of Mussels Triestina, Stuffed Tomatoes, and Crabcakes. |
From Coast to Coast: Three Favorite pastas in America #111 In this episode, Lidia begins with a trip to Gilroy, California to learn all about the town's impressive Italian culinary heritage, and then crosses the country to visit Union Square Market in Manhattan, where she checks out the freshest vegetables to make the perfect Pasta alla Primavera. Together with Becco's Billy Gallagher, Lidia prepares three of America's favorite pasta dishes: Pasta alla Primavera, Fettucine Alfredo, and Spaghetti Aglio e Olio. |
Kansas City and New Orleans: Italian Father's Day #112 Join Lidia in Kansas City, where she pays a visit to the Holy Rosary Church to watch the ladies assemble their famous altar to celebrate St. Joseph's Day, the Italian Father's Day. Down in New Orleans, Lidia takes part in the traditional festival of pasta con le sarde (pasta with sardines), also a classic St. Joseph's Day celebration. In this episode, Lidia makes Italian-American Meatloaf, Olive Oil Mashed Potatoes, and St. Joseph's Fig Cookies for a tasty dessert. |
California: Pasta - The Ultimate Showcase #113 Lidia returns to California to visit Andy Boy farm and learns all about broccoli rabe. Later, Lidia meets up with Dino Cortopassi, owner of Corto Olive, to hear his family's colorful culinary history. Join Lidia and Grandma in the kitchen as she makes Baked Stuffed Shells, Penne with Artichokes, and Bacon Orecchiette with Andy Boy's Broccoli Rabe. |
Eastern Seaboard: A Shell of a Good Time #114 Joined by Esca's Dave Pasternack, Lidia visits with some of Long Island's local fishermen and goes clamming with one of Dave's good friends. Later, Tanya takes viewers on a tour of Boston's North End. Back in the kitchen, Lidia goes clam crazy and makes Clams Casino and Baked Clams Oreganato. |
USA: Italy's Crowd Pleasers #115 Lidia and her good friend, Angelo Vivolo, visit one of his favorite Italian-American spots in Brooklyn: Faicco's Pork Store. Also in Brooklyn, Lidia discovers Frankie's Spuntino, two young Italian Americans who are cooking Italian-American food with a modern twist. Tanya helps Lidia two classic crowd-pleasers: Spaghetti Carbonara and Sausage and Peppers. |
Chicago: Chicago's Chicken Vesuvio #116 Lidia travels to the Windy City to visit Caputo's, a family-owned Italian grocery in Elmwood Park, a very Italian suburb of Chicago. Lidia also brings her viewers for a stroll along the main thoroughfare of Chicago's Little Italy, Taylor Street, which is currently undergoing a major Renaissance. Grandma joins Lidia in the kitchen as her taste-tester, while Lidia prepares Cauliflower Soup and Chicken Vesuvio. |
Baltimore: A Baltimore Classic - The Civic Club Sandwich #117 In this episode, Lidia heads to Baltimore, where she visits an institution of Italian food: DePasquale's market. Back in the kitchen, Lidia prepares Spiedini alla Romana, Minestrone, and the Italian-American Civic Club Sandwich. |
New York City and New Jersey: An Italian-American Picnic in NYC #118 In this episode, Lidia heads to Baltimore, where she visits an institution of Italian food: DePasquale's market. Back in the kitchen, Lidia prepares Spiedini alla Romana, Minestrone, and the Italian-American Civic Club Sandwich. |
USA: Italian-American and Truly Italian #119 Lidia travels to Boston to visit Christine and Carla Pallotta, owners of Nebo restaurant, to hear their story and taste their gnocchi, made from a recipe passed down from their mother. Later, Lidia explores a variety of crustaceans, including a scallop still in its shell. Lidia's grandchildren-Olivia, Miles, and Ethan-help her prepare Italian American Shrimp and Gnocchi with Gorgonzola. |
New Orleans: A Cup and a Slice of Capuccino #120 Lidia heads south to New Orleans, where she visits Brocato's to sample a few of her favorite desserts. She then checks out the bustling, produce-filled, open-air Crescent City Farmer's Market, where farmers and shoppers are brought together by their love of fresh food. Lidia makes Meat-Stuffed Eggplant, Veal Scallopine Marasala, and for dessert, she prepares a Cappuccino Cake. |
San Francisco and Napa: Soupy In San Francisco #121 Out on the Golden Coast, Lidia visits Swann Oyster Depot in San Francisco where she checks out King Crab legs, and then shows viewers the wide variety of sizes of artichokes at Pezzini Farms. Lidia prepares Stuffed Artichokes and Cioppino-a San Francisco Italian-American classic. |
USA: Oh, Those Ravioli #122 Lidia heads north to Boston, where she takes viewers on a sweet trip to two Boston pastry shops: Modern Pasty and Maria's Pastry, and ventures into Boston's Little Italy to see pasta made by hand. Down in New Jersey, Lidia checks out Simply Grazin' Organic Farm. In the kitchen, Lidia prepares Ricotta and Sausage-Filled Ravioli and Struffoli, an Italian-American classic, for dessert. |
Eastern Seaboard: Fishing Along America's Eastern Seaboard #123 Lidia heads to Providence, Rhode Island to visit Mark Gasbarro, owner of Gasbarro's wines, to learn about his favorite seafood pairings. Lidia goes crabbing in Chesapeake Bay; visits the Italian-American fishing town of Gloucester, Massachusetts; and goes fishing with Esca's Dave Pasternack off New York's coast. |
New York: New York Pizza #124 Lidia shows viewers a typical New York pizza and then pays a visit to Eataly, where Sal at the cheese counter shows viewers how to make fresh mozzarella. Lidia makes traditional Italian Pizza Margherita from scratch, a Sausage and Spinach Calzone, and is joined in the kitchen by Grandma, who performs the official taste test. |
USA: Shrimp, Shrimp, and More Shrimp #125 Lidia takes viewers on a journey to Italy to learn about pepperoncino, a quintessential ingredient in any Fra Diavolo dish. Tanya shows viewers that Italian Americans are internationally recognized for their great cuisine, which can be found everywhere from Sonoma, California to St. Louis, Missouri to Boston's North End. However, Tanya also explains that Italians are also leaders in popular American design, fashion, and sports. Back in New York, Lidia visits the fish counter at Eataly NYC and prepares a veritable showcase of delicious shrimp dishes: Shrimp Parmigiano, Shrimp Scampi, and Shrimp Fra Diavolo. |
San Diego: Giant Squid, Milanese Style #126 Lidia shares her memories of San Diego with viewers and heads out to do some more fishing with Esca's Dave Pasternack. Joined by Del Posto's Mark Ladner, Lidia makes a Giant Squid Milanese, Stuffed Mushrooms, and Spinach Salad. |
Italian Style Breakfast for Dinner #201 Lidia cooks frittatas today; they are delicious for lunch AND dinner and are also a great way to use leftover vegetables and day old bread. Recipes include Ricotta Frittata, Sausage, Eggs & Pepper Frittata and an Asparagus and Onion frittata. She also visits Brooklyn's famous Faicco with dear friend and restaurateur, Angelo Vivolo, to see their Italian American tradition of making sausage. |
New York Italian Style #202 In this episode, Lidia shares three delicious recipes that she picked up on Arthur Avenue and in Little Italy, New York. Zucchini and Eggplant Parmigiana, Roberto's Chicken Piccante and Skillet Cauliflower Torrisi are all the very core of Italian American comfort food. She also visits the Maugeri Farms in southern New Jersey and the Migliorelli food stand in Union Square Market in New York City to see what kind of traditions these Italian American families are passing down to generations to come. |
Heartwarming Italian American Classics #203 Italians are known for their big family meals, and in this episode Lidia celebrates two heart-warming Italian-American classics that are perfect for any Sunday get together - Chicken Trombino and Italian American Meatloaf - two family friendly dishes that will bring your loved ones close to the table. |
Sicily In New York City #204 The Sicilians were a large immigrant community in lower Manhattan and other areas of New York City, and they brought with them several dishes from their homeland. Today, Lidia celebrates the Sicilians with a Stuffed Calamari Dish and a Broccoli with Garlic and Anchovies. She then makes a Cappuccino Cake which she actually discovered in New Orleans - another locale with a very large Sicilian population. |
Kansas City Alla Parmigiana #205 Italian American immigrants headed to the Midwest and created their communities in cities like Chicago, St. Louis and Kansas City. In this episode, Lidia celebrates some of the Italian American dishes found on many a Kansas City menu including Penne Rigate alla Vodka, Chicken Parmigiana and Tiramisu. We'll even enjoy a moment where Lidia went back to Emilia Romagna to visit with her dear friend, Monica, to see how the chickens there are raised and appreciated. |


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Jameson Bookcase Tower
Our Jameson Collection pays homage to turn-of-the-century design, with classic architectural detailing, rustic cast-metal hardware and bun feet.
- Handcrafted of hardwood with fine veneers using mortise-and-tenon joinery
- Hand-carved dentil detail and crown molding
- Distressed painted finish created using a meticulous 13-step process including worn areas that impart the natural patina of an antique
- 4 adjustable shelves are designed to accommodate our storage baskets and bins
- Nylon glides on feet
- This item is handcrafted with meticulous care. Given its hand-finished nature and natural variations in the wood grain, each item is unique and no two will be exactly alike.
- Furniture Tip Restraint included
- Wood swatch is 6" square; free shipping
Finish Options
Jameson Bookcase Tower
- Overall: 28"W x 15½"D x 68"H
- Shelf: 22"W x 12"D x ½"H
- Weight: 102 lbs.
Jameson Bookcase Tower


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Terrazza Trough Planter, White
Customers Also Bought
Exclusive | Design Your Own Lush Terrace Garden
- Generous Capacity: You'll get extra soil capacity and deep reservoirs not found in their American counterparts. Trough Planter holds 130 quarts of soil and 4 gallons of water.
- Unmatched Quality: Rigid construction fends off scuffs and scratches, and they won't fade or bow in the strongest sun or under the heaviest load.
- Self-Watering: Water only once a week, thanks to a dual-action system that uses cotton wick and evaporation
- Timeless Design: Crisp lines and realistic wood grain, plus a choice of two classic finials, make for a sharp, uniform appearance around your property
Our exclusive Italian Terrazza planters offer classic styling with self-watering convenience. In Italy, where style is everything, these innovative planters beautify residential terraces, side-street cafes, hotel lobbies and public courtyards. This large-capacity Terrazza Trough Planter is often the centerpiece. Make the planter mobile with optional casters, sold separately (each planter requires two sets).
- Assembly required
- Made of dense UV-stabilized polypropylene
- 16-1/2" W x 39-1/4" L x 16" H
- Water reservoir capacity: 4 gallons
- Soil capacity: 130 quarts
- Patent pending
- Gardener's Supply Exclusive
Reviewed by 1 customer
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I bought the Terrazza Trough Planter and Terrazza Square Planter and they both leak and now my brand new concrete floor (outside) has yellow brown stains from the soil. The Trough was for 3 lavendars and 2 of them died in a week. The Japanese Maple in the square planter is slowly browning so I don't know if that will survive another month.
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How It Works
Product Instructions
Download instructions for Terrazza Trough Planter as a PDFArticles
Build a landscape with modular containers.
Beautiful, bountiful planters depend on good soil, fertilizer and careful watering. But to take your planters from standard to sensational, you need the right plants. Start with this simple rule: Combine plants with three different habits. In other words, thrillers, fillers and spillers.
To create beautiful flowering planters, it helps to pick the right plants. Browse our gallery of flowering pots, planters, hanging baskets, windowboxes and more. You'll find plenty of inspiration – and detailed plant lists, so you can recreate the look at home.
There are no special shipping restrictions or charges associated with this item. For detailed information about our delivery methods and charges, click here.
We're proud of the fact that this item is shipped to you directly from our warehouse in Vermont, by one of our 250 employee-owners. In-stock items are packed with care and shipped within the next business day to ensure prompt delivery to your home and garden!


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SUBJECT: Wilmington Volleyball Splits A Pair of Matches on the First Day of the Eckerd College Classic
On the first day of the Eckerd College Classic, the Wilmington University volleyball team split a pair of matches against southern teams, first dropping a 3-0 decision to host Eckerd before sweeping a match against Nova Southeastern on Friday night.
Set scores for the match against Eckerd were 17-25, 15-25, and 13-25.
Set scored for the match against Nova Southeastern were 25-16, 25-22, and 25-14.
Eckerd (3-2), which received votes in the latest AVCA Division II National Poll, handled the Wildcats (2-4) in the Eckerd College Classic's first contest, hitting .455 for the match with 47 kills and only committing seven errors for the contest. In the second set alone, Eckerd hit .630, going 18 for 27 with only one error in the set.
Lindsay Biggs set the tone for the Tritons, as she collected 18 kills on 25 swings, committing only three errors for a .600 hitting percentage for the match.
On the flip side, the Wildcats struggled to get off the ground in the day's first match, hitting .154 for the match. They did, however, hit a match high .259 in the first set with nine kills and only two errors. Sophomore Kaitlin DiGiacinto paced the offense with eight kills in the match, hitting .316 to lead the outside hitters.
Junior setter Kasey Couch dished out 12 assists while sophomore Alex Siolos added nine helpers.
Defensively, Couch, Shelby Henderson, and Taylor Rapuano led the Wildcats with five digs each while the visitors were out blocked, 5-1, at the net. Senior Brittany Biddle collected the Wildcats' lone block for the match.
The nightcap was a complete 180 degree turnaround for the Wildcats, as they came out firing on all cylinders in the three-set sweep over Nova Southeastern.
The team hit .256 for the match, capped off by an outstanding .600 attack percentage in the third set, collecting 13 kills while only committing one error on 20 swings.
Leading the way offensively was middle hitter Katie Shorter, as she finished with eight kills on 14 attacks, adding three blocks assists and a solo block on the match. DiGiacinto and freshman Allison Briley added seven kills in the days' second match, with the freshman hitting .261 in the three sets. Biddle and Siolos chipped in with five kills each as well.
Siolos helped distribute the offense evenly, passing out 16 assists against Nova Southeastern (3-3) while Couch added 13 assists as well. Both Couch and Siolos added a pair of service aces each as well in the match, but were outdone by freshman Taylor Rapuano who led the Wildcats with three aces in the match.
The defense also picked up in the second match, as DiGiacinto and Henderson led the team with eight digs and the front line collected a total team number of five blocks. On top of Shorter's 2.5 blocks, Siolos chipped in with three block assists while Biddle and Hannah McQueen added a block assist each as well. The defense held the Sharks to .053 total hitting percentage for the match, including a negative .033 percentage in the second set.
The Wildcats round out the Eckerd College Classic on Saturday with another pair of matches. The day will get started with an 11 a.m. match against Bentley before the team rounds out the weekend with a match against Barry at 5:30 p.m.


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It's important to shorten the trying process of finding information about Allan in NV. We provide a convenient solution by organizing all our search results into four segments - name/aliases, age, location, and possible relatives. This arrangement allows you to examine the lists of people with the last name Berg quickly and choose the exact one. If in case you require further data for Allan Berg, you can scan the View Details page.
When you're looking for Allan in Henderson and you don't find the right kind of results, our Search Box is your next best option. Apart from spelling variations, you can key in any extra details you possess like name, age, and city for better responses. After the specific Allan Berg in Henderson, NV pops up, you can proceed to check out the Details page for further information.


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The Big Agnes Whiskey Park 0 Degree Sleeping Bag is an extra-roomy bag designed for four-season or cold climate car camping. The Whiskey Park 0 Degree's generous cut fits large campers up to 6' 6" and a chest size up to 56".
Built especially for couples, the Big Agnes Cabin Creek 15 Degree Double-Wide sleeping bag is extra-roomy and extra-comfortable. Lightweight, compressible synthetic insulation even packs down small enough for backpacking use.
The synthetic Big Agnes Hog Park 20 Degree Sleeping Bag is an extra-roomy option for car camping. The Hog Park's generous cut fits large campers up to 6' 6" with a chest size up to 56" or anyone who wants some extra room to roll around.
Built especially for couples, the Big Agnes Dream Island 15 Degree Double-Wide is an extra-roomy, extra-comfortable camping sleeping bag. The bag is insulated with high-performance, quick-drying Thermolite Quallofil synthetic fill.
Big Agnes continues to develop innovative products that keep you comfortable in the backcountry. What began as a sleeping bag with an integrated pad sleeve has grown into a full line of award-winning sleeping bags, pads and tents. Big Agnes gear has won awards from Backpacker Magazine, Outside Magazine, National Geographic and Men's Journal, to name just a few.Backcountry Edge is proud to be an authorized dealer of these innovative Big Agnes products.
Click here to visit the official Big Agnes website. (Note: you will be leaving Backcountry Edge.)
Provides roomy comfort for car and family camping
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