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Apr 29, 2016 - Apr 30, 2016
For the 2nd concert of our 23rd season, CHARIS will present "Behind the Scenes," a concert offering an insider's perspective on the world of singing and performing. Songs and narration will take the audience from those first rehearsals in which s...
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Concerts & Live Music
Apr 29, 2016 - May 1, 2016
Come experience the magical world of Cirque Italia – a show like no other. We are proud to be the first traveling WATER circus in the US! Our extraordinary stage holds 35,000 gallons of water and features a dynamic lid which lifts 35 feet into ...
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Family Events
Apr 30, 2016 7:30 AM
This flat and fast, superhero-themed, super fun, family friendly race will take place, rain or shine, traveling out and back along the scenic Katy Trail on Saturday, April 30th, 2016, starting at 9 a.m., in Frontier Park, 650 S. Riverside Dr, S...
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Apr 30, 2016 7:30 AM - 1:00 PM
Don't miss the 48th annual Potpourri event at John Burroughs School on Saturday, April 30, 7:30 am-1 pm! Free admission and parking!
Potpourri is one of the oldest and largest garage sales in the St. Louis area. We fill our school gym with ove...
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Ever wonder what that crazy dream meant? Call the National Dream Hotline® to have your dreams interpreted for FREE! The School of Metaphysics wants to help you understand your dreams beginning April 29th at 6pm continuing until May 1st at midnigh...
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Education & Learning, This & That
Apr 30, 2016 8:30 AM
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This & That
Apr 30, 2016 10:00 AM - 2:00 PM
Saint Louis University is sponsoring a free health fair for all residents of the St. Louis area. Community members are encouraged to come for a light lunch, health related information as well as free screenings. Free screenings for blood pressure...
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Health & Wellness
Save the date for our 12th Annual Tab Top Pandemonium! On Saturday, April 30, 2016, collectors will gather at the Ronald McDonald House on Park Avenue to turn in all the tab tops and keys they have collected throughout the year!
Participants w...
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Apr 30, 2016 10:00 AM - 3:00 PM
The Chesterfield Earth Day Festival is celebrating its 25th anniversary this year! This festival is one of the region's largest Earth Day events and offers a convenient recycling drive-thru, eco-friendly and up-cycled products, information exhibi...
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Festivals & Fairs
Apr 30, 2016 10:00 AM - 10:00 PM
400 Bookstores.
12 Exclusive Books & Art Pieces.
One Day Only.
Join the Party!
The All-Day Celebration will feature:
– limited edition merchandise ONLY available at participating independent bookstores (like us) on April 30!
– ...
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Apr 30, 2016 11:00 AM - 1:00 PM
Live concert by blues duo Eric McSpadden and Larry Griffin. The concert is free with museum admission or is $5 for concert admission only. Tickets can only be purchased in person at the museum. The concert will be held in the museum's Lumiere Pla...
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Apr 30, 2016 11:00 AM - 4:00 PM
This workshop will be a fun, family-friendly opportunity to build and paint a bird or bat house and learn about the birds and bats of Missouri. Each event will feature a short presentation about local wildlife, and the Treehouse Wildlife Center w...
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Education & Learning
Apr 30, 2016 12:00 PM - 2:00 PM
Did you know that the week of May 2 – May 8 is Be Kind To Animals Week? In honor of all the animals, we will host adorable and adoptable canine friends from 5-Acres Animal Shelter of St. Charles, MO out on our sidewalk. All dogs in attendance wil...
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Kids & Family
Apr 30, 2016 2:00 PM - 4:00 PM
Inspired by the 1969 Muddy Waters album "Fathers and Sons," the National Blues Museum is having a public discussion with sons of music industry legends about how they continue to bear the torch that their fathers passed down to them.
This albu...
more »
St. Louis Vintage Market Days is an upscale vintage-inspired outdoor market returning to Chesterfield this year! The outdoor market is featuring homemade art, handmade treasures, clothing, antiques, jewelry, home decor, outdoor furnishings, seas...
more »
Apr 30, 2016 4:00 PM - 10:00 PM
Join local volunteers and participants from the community and celebrate cancer survivors, remember those lost to the disease, and take action to save more lives from cancer. The opening ceremony, which includes a special Survivors and Caregivers ...
more »
Charity & Fundraisers
Apr 30, 2016 4:00 PM - 11:00 PM
What Is Relay?
community fundraising walk
Teams of people camp out around a track
Members of each team take turns walking around the track
Food, games and activities provide entertainment and build camaraderie
Family-friendly environment for...
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Apr 30, 2016 7:00 PM - 10:00 PM
Dignity Period's second annual spring gala, a special evening to report on and celebrate our success and look forward to the upcoming year. Dignity Period is a St. Louis-based not-for-profit whose mission is to keep adolescent Ethiopian girls in ...
more »
Apr 30, 2016 8:00 PM - 11:30 PM
The Randy Dandies open their seventh & final season of sketch comedy burlesque with a huge score in THE BOOB JOB: PULLING IT OFF on April 30, 2016 at the Ready Room.
Jack Deuce has gotten a tip, just the tip, that the Randy Dandy has acquired...
more »
Apr 29, 2016 - Jun 18, 2016
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We expose slave masters and people smugglers in suburban Britain.
South Africa's Julius Malema talks to Al Jazeera
27 Jul 2013 11:26 GMT | Politics, Africa, Libya, Tunisia
Secular opposition politician Mohamed Brahmi was killed with the same gun that was used to kill his coalition party leader Chokri Belaid six months ago, Tunisia's interior minister has said.
Lotfi Ben Jeddou told a news conference on Friday that it suggested the involvement of the same hardline Salafist group.
"The same 9mm automatic weapon that killed Belaid also killed Brahmi," Jeddou said.
He named the main suspect as hardline Salafist Boubacar Hakim, already being sought on suspicion of smuggling weapons from Libya.
Ben Jeddou said that ballistic examination of the bullets fired on Thursday at Brahmi showed they came from the same gun used to kill leftist Belaid in February.
Two men on a motorcycle shot Brahmi 14 times in front of his home as he was getting in his car.
Belaid was killed in a similar fashion.
Nationwide strike
The assassination has plunged the country into a political crisis, with the opposition calling for the dissolution of the government. A demonstrator was killed in the central Tunisian town of Gafsa overnight on Friday during a march protesting against the assassination, the AFP news agency reported.
Mohamed Moufli, 45, was killed as police used tear gas to break up the night-time march. He was struck in the head by a tear gas cannister and died soon afterwards in hospital.
Police acted as hundreds of demonstrators tried to storm local government offices in the town centre.
Tunisian trade unions called a nationwide general strike on Friday over Brahmi's murder.
Shops an banks were closed and the country's national airline Tunisair cancelled all flights on Friday, as the General Union of Tunisian Labour (UGTT) called for the nationwide strike in protest against "terrorism, violence and murders".
Protesters were again taking to the streets on Friday, after thousands of demonstrators rallied around the country on Thursday, with many holding the ruling Ennahda Party responsible for the assassination and attacking local party headquarters.
Ennahda, a moderate Islamist group, denied accusations that it was involved in the murder of a member of the People Movement Party.
Police used tear gas in central Tunis and in the provinces to disperse the protests.
Source: Agencies
Having experienced the joy of the revolution, and the transition realities, most Tunisians want reform and democracy.
Middle East
Government names five men accused of murder of opposition leader Shokri Belaid, whose assassination led to mass unrest.
Politics, Africa, Egypt, Libya, Tunisia
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Region's first brick-oven pizza parlour hopes to inspire entrepreneurs and move the DRC beyond cycles of violence.
Africa, Democratic Republic of Congo
Will Department of Justice reforms change a culture of violence in the New Mexico police department?
Magazine, Racism, Gun violence
Child inmates are left to languish in prison with no visitors or legal assistance as many wait years for a trial.
Is a communist village in Andalusia where most villagers work for a cooperative really as utopian as it seems?
At least 19 people killed in government-held areas as fighting between army and rebels flares.
Aleppo Bombing, Middle East, Syria's Civil War, War & Conflict
Majority of people in Middle East and North Africa believe their government is failing to fight corruption, poll finds.
Middle East, Arab Spring
What is driving the story in Brazil, corruption or the media? Plus, how messaging apps are reshaping how news is shared.
Media, Brazil, Dilma Rousseff
Julio Docjar, a street artist from Sao Paulo, dreams of using his art as an instrument for social change.
Arts & Culture, Latin America, Brazil
We investigate the horrifying consequences for civilians under Russian air strikes in Syria.
ISIS, War & Conflict, Middle East
We explore the links between medical research in the Golden Age of Science and the modern practise of medicine today.
Science & Technology, Middle East, Qatar

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Automotive Concepts provides a diverse offering of automotive accessories and vehicle customization services. Our wide range of capabilities allows for the opportunity to help you create the vehicle you truly want!See More Vehicles
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4. Nissan GT-R This GIF is hypnotizing. https://www.carthrottle.com/post/10-of-the-coolest-car-morphing-gifs-on-the-internet/
Here's to hoping your weekend goes better than this guy's!
That's one way to light up the streets.
Today's weather...
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In 2004, their first meetup consisted of just 4 vehicles. Here's a glimpse at the 2016 Spring Festival of Lx's in Anaheim, CA.
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The Spot Blog
- Read the inside scoop on Colorado politics and policies at blogs.denverpost.com/thespot/.
- Track state legislation with our Colorado Bill Tracker.
- Full political news coverage at denverpost.com/politics.
- Mar 16:
- New details emerge three years after murder of Colorado prisons chief
- Nathan Leon's family struggles three years after his murder by parolee
- Feb 11:
- Document explains arrest of "person of interest" in Clements' murder
- Dec 31:
- Wounded burglary suspect once person of interest in Tom Clements case
- Mar 18:
- El Paso sheriff vows new emphasis on Tom Clements murder investigation
- Oct 6:
- Colorado releases prisoners who threaten to go on shooting sprees
- Aug 13:
- Colorado prisons chief orders Sterling review after 6th inmate killed
A measure to empower judges to decide on sentences for bail violations has drawn skeptics in the wake of the killing of Colorado prisons chief Tom Clements.
Under the proposed measure, House Bill 1242, an individual in some instances wouldn't have to face mandatory prison or jail sentences now required by state law.
On Friday, the bill passed out of the House with bipartisan support and now moves to the Senate.
"If somebody is late or you miss court for whatever reason — which there should be repercussions — this bill leaves it up to judicial discretion," said Rep. Brittany Pettersen, D-Lakewood, the bill's sponsor. "There's examples of people who have ended up being found not guilty for a crime, but they missed court, for example, and it doesn't make sense for people to serve time for it."
Currently, those who violate bail are subject to up to a year of prison time for a felony charge and six months of jail time for a misdemeanor and are not eligible for probation or a suspended sentence.
Pettersen's measure passed out of the House Judiciary committee in March with bipartisan support.
However, in the weeks since the news that Clement's alleged killer, Evan Ebel, was released early from prison, some lawmakers believe the bill has become a victim of timing. The House waited a couple of weeks to vote on Pettersen's measure. Some Republicans hinted that Democrats wouldn't mind seeing the bill die on the calendar.
"There is a concern because now people who must serve mandatory time and are required to serve consecutive time for a violation of a bond condition won't have to," said House Minority Leader Mark Waller, a Colorado Springs Republican. "And that is a legitimate concern."
Pettersen notes that her bill doesn't get rid of the option for mandatory sentences and argues that public safety is not at risk.
An amendment Pettersen passed in the House on Thursday requires those charged with a sexual crime who violate a bail-bond condition to serve the mandatory sentence.
Rep. Bob Gardner, R-Colorado Springs, voted in favor of passing the bill out of committee in March, but on Friday voted in opposition to the bill.
"I'm doubtful now this is the right approach at this time," Gardner said, noting that with events surrounding Ebel's release, the state should not be easing sentencing laws. "Mandatory sentencing does serve a purpose, and after talking to district attorneys and other stakeholders, I'm for it remaining in place."
Pettersen's co-sponsor in the Senate is Republican Steve King of Grand Junction.
Lawmakers in the Senate have until May 8 to act on the measure.
Kurtis Lee: 303-954-1655, firstname.lastname@example.com or twitter.com/kurtisalee


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Richard Baker
Richard Baker joined The Age investigative unit in 2005 after four years covering Victorian politics and before that, rural affairs. He is a recipient of Melbourne Press Club's Gold Quill for his work exposing the misconduct of one of Australia's leading surgeons.
Azerbaijani embassy denies black market trade in booze and cigarettes
Richard Baker and Nick McKenzie The 2014 end of year party at the Azerbaijan embassy in Canberra must have been epic if its official requests to import duty-free booze and cigarettes were any guide.
Australia needs a new corruption fighter
Richard Baker, Nick McKenzie Australia should have a Serious Fraud and Corruption Office to tackle corporate crime and building industry rorts, according to the head of the nation's leading anti-corruption group.
Pressure mounts on ABC director over bribe case
Richard Baker, Nick McKenzie ABC board member Dr Kirstin Ferguson is under increasing pressure over her handling of a whistleblower who alerted her to a corruption scandal being covered-up by Australian corporate giant Leighton...
Top director spurned corruption whistleblower as corporate scandal grows
Nick McKenzie, Richard Baker, Michael Bachelard Top Australian business woman and ABC board member Dr Kirstin Ferguson failed to act on a corruption scandal inside the nation's biggest mining services company, despite a personal request made...
Unaoil scandal draws in WorleyParsons
Nick McKenzie, Richard Baker, Michael Bachelard, Daniel Quinlan More Australians have been implicated in the growing scandal over corruption in the oil industry as the FBI joins forces with British and Australian police to investigate revelations of a...
Salvation Army tells asylum seeker he will 'never live in Australia'
Richard Baker and Nick McKenzie The Salvation Army has effectively urged Tamil asylum seekers on Manus Island to go home because: "You will never live in Australia".
Chief of Australian online firm Uglii resigns amid allegations of corporate misconduct
Nick McKenzie, Richard Baker, Philip Wen Chief executive of Australian Internet firm Uglii resigns as the corporate watchdog ramps up its investigation into allegations the firm engaged in serious corporate misconduct.
NewSat executives may face criminal charges after damning report by bank
Richard Baker, Nick McKenzie The prospect of criminal charges against one or more former senior executives from collapsed Melbourne satellite company NewSat has increased after a US government bank handed damning documents to...
Police question Nagambie GP over "lethal dose" to help patient die
Richard Baker, Nick McKenzie Nagambie doctor Alan Kosky did not want to his elderly patients to suffer. But police, the coroner and now federal health officials are probing his provision of end of life care amid concern some...
Ex-Cbus managers face criminal charges over union leaks
Nick McKenzie, Richard Baker, Ewin Hannan Two top ex-employees of one of Australia's largest superannuation funds are facing up to five years in jail after being charged with lying to the union royal commission.
Police prey on victims of domestic violence
Nick McKenzie and Richard Baker Victorian police officers have been sexually preying on victims of domestic violence in a dramatic widening of the sexual harassment scandal facing the force.
Doctors warn of dangers of illicit erectile dysfunction pills
Richard Baker With names like African Superman, Man Up Now, Black King Kong and Stallion Pro, there's little mystery about what they're promising, but what dodgy erectile dysfunction pills actually deliver...
Senate submission puts FFA in cross-hairs over World Cup bid
Richard Baker, Nick McKenzie Australian soccer chiefs have been asked to explain why a controversial $462,000 payment to a bank account controlled by an allegedly corrupt former FIFA vice-president, Jack Warner, was made...
Football federation made $500,000 payment from account containing public funds
Richard Baker, Nick McKenzie Football Federation Australia used an account containing Commonwealth funds to pay a $500,000 "stadium re-development" payment to a Caribbean bank account controlled by allegedly corrupt former FIFA...
CFMEU bosses across nation may face criminal charges
Nick McKenzie, Ewin Hannan, Richard Baker, Nick Toscano The CFMEU's national president and Labor factional boss Dave Hanna has quit the union as a major criminal investigation examines allegations that he took secret commissions.
Tobacco company wants schools survey for insights into children and teens
Nick McKenzie, Richard Baker A global tobacco giant is using freedom of information laws to obtain data from surveys by thousands of Victorian school children and teenagers that reveal their attitudes to smoking and alcohol.
Nonsensical essay answers shine a light on Australia's 'educational' visa farms
Nick McKenzie, Richard Baker Q: What is the opposite of Yummy? A: Delicious.
Exploitation fears as students pay for 'fake skills'
Nick McKenzie, Richard Baker International student colleges are taking bribes in return for helping thousands of overseas workers and students win Australian visas using fake qualifications.
Australia Post link to visa crime racket claim
Nick McKenzie, Richard Baker Australia Post has sacked a millionaire labour hire contractor who is at the centre of a major federal police fraud probe and who has been accused of exploiting overseas workers.
Vet at centre of doping probes has underworld links
Nick McKenzie, Richard Baker, Pat Bartley A prominent Melbourne vet is allegedly at the centre of the doping scandal gripping the Australian racing industry, and is suspected of providing banned substances to several figures including...


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There are several opportunities around the area this week to Give The Gift Of Life. The American Red Cross Bloodmobile will be at St. Aloysius Catholic Church in Olivia from 1 to 7pm today (MON). On Tuesday you can give blood at the Prairie Lutheran School in Fairfax from 1 to 7 or Peace Lutheran Church in Hutchinson from Noon to 6. On Wednesday there's a blood drive at Jackpot Junction Casino near Morton from 10am to 4pm, and on Thursday at the Renville Community Center from 1 to 7. And Friday the Bloodmobile travels to the Lake Crystal Area Recreation Center from 12:30 to 6:30 and First Lutheran Church in Hector from 1 to 7. For more information on donating blood call 1-800-RED-CROSS or log on to www.redcrossblood.org.
Home » Breaking News State & Local » Area Blood Drives This Week
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Eric Williams ericwphoto.com
You, Improved
It's a crazy, mixed-up world. Here's how to be a better person in it.
By Christie Chisholm
After exiting the holiday season and getting back to the regular course of your life, you're likely looking around and thinking: Things could be better. It's OK. You're normal.
The new year grants a symbolic opportunity to examine yourself, to figure out if there's anything that could be discarded or improved upon. Last January, we helped by relaying guidance from experts on how to sharpen your intellect, whittle your waistline and thicken your wallet ["Intelligent Life," Jan. 13-19, 2011].
We've returned bearing brand-new niblets of advice. A pair of experts on mindfulness told us about finding inner peace. A master of communication gave us the keys to getting a point across. And to help you get organized, we took down tips from a simplicity specialist.
Here's to 2012 being your best year yet!
Eric Williams ericwphoto.com
Be Centered
Katja Lauterstein, marketing coordinator and yoga instructor at High Desert Yoga
Today's Events
Felicia Day at Woodward Hall
Felicia will be in conversation with Craig Chrissinger of the Albuquerque Science Fiction Society about her memoir, You're Never Weird on the Internet (Almost).
Lindy Vision • electronic • Red Light Cameras • rock • Suede School • Thieves and Gypsys • indie at Meow Wolf
"3 Peaks" Pop-Up Dinner at Blue Lily AtelierMore Recommended Events ››
Tribal Reggae Splash 2016 • 4.30.2016
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Chelsea Handler has always been real treat, from the looks of her 1993 yearbook photo from Livingston High School in New Jersey. The youngest of six children, Chelsea was raised in Reform Judaism by her Mormon mother and Jewish father.
To see more before-they-were-famous celebs with big hair, visit Snakkle.com.
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As Word doc: Download Weekly_flu_report_11-10-11 As PDF: Download Weekly_flu_report_11-10-11
This week's flu report shows that we continue to see relatively low amounts of flu-like illness in the state. This is to be expected at this time of the season. However, we can expect that these numbers will begin to rise in the not-very-distant future — so there's no time like the present to get a flu shot to keep yourself and your family safe and healthy this flu season. There's more vaccine available this year than ever before, and you can find yours by calling your health care provider, or by searching this online flu clinic database for community-based flu clinics in your area.
Recent Posts
Weekly Flu Report, April 29, 2016 posted on Apr 29
Rates of flu-like illness rose slightly in the past seven days, according to the latest weekly flu report. Flu vaccination opportunities continue to be available in your community – call your health care provider or local board of health, or visit a pharmacy near you.
Let's Keep Workers Safe: Plan. Provide. Train. posted on Apr 28
Today is Workers' Memorial Day — the international day to remember workers who were injured, disabled, made unwell, or who died on the job. In just a six-year-period, in Massachusetts, 356 workers died on the job (2008-2013). These workers were our family members, friends and neighbors …Continue Reading Let's Keep Workers Safe: Plan. Provide. Train.
Vegetable Makhanwala posted on Apr 26
Back by popular demand, Kinnari Chitalia, RD, LDN, CLC, a nutritionist at the Dorchester North WIC Program, shares this mouthwatering favorite! This is a popular traditional dish in the northern part of India. Its name refers to a creamy dish mixed with vegetables and aromatic …Continue Reading Vegetable Makhanwala


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DropFire Company Information
DropFire, Inc. was founded on the premise that wireless communication and digital imaging are merging to streamline a number of business, public safety, and interpersonal interactions. As the use of portable computing platforms - laptops, PDAs, and tablet PCs increases, communication will be a fundamental component of successful applications. Currently, DropFire is pursuing the public safety industry, which has begun to combine mobile computing with law enforcement to make their officers more effective in the field.
DropFire targets two aspects of security - suspect apprehension and missing person identification. The former is required by public safety officials who need to do a better job of positively identifying suspects without having to rely on general descriptions. In the case of missing persons, elderly Alzheimer victims, runaways, and Amber Alerts; several steps are being taken to ensure that photos are recent, accessible, and can be distributed as widely as is reasonable.
DropFire is a privately held company incorporated in 2001 in Delaware and based in Cambridge, MA. Founded to tap into the need for remote monitoring on construction sites, DropFire''s current focus is on the Public Safety market, starting with a year long beta test and development project in cooperation with the Brookline, MA Police Department. DropFire recently won the Lowell Police Department as a customer, and has begun to establish relationships with resellers to expand into new jurisdictions.
Join the discussion
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Dallas police to be outfitted with 'sponge guns' as less lethal option
Video: Police car smashed, 17 arrested outside Calif. Trump rally
Ark. police buck 'In God We Trust' trend, add 'We the People' decal to cruisers


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Hixon Zuercher January 2016 Monthly Video Update
Stocks Drive Higher Amid Uncertainty – Weekly Update for February 1, 2016
Stocks experienced another volatile week with high daily swings in value. Despite the lingering uncertainty, stocks ended the week higher on the back of better-than-expected earnings reports and higher oil prices. For the week, the S&P 500 gained 1.75%, the Dow grew 2.32%, and the NASDAQ added 0.50%.[i]
Fourth-quarter earnings season is in full swing and will continue to play a role in stock performance in future weeks. With reports in from 201 S&P 500 members, overall earnings are down 3.2% on 3.6% lower revenues from Q4 2014. The overall picture so far is one of growth challenges from a slowing global economy, a strong U.S. dollar, and weak commodity prices. However, despite the challenges, 72.5% of firms have been able to beat their earning targets, indicating that managers are doing a good job of managing expectations.[ii] On the other hand, reports show that the headwinds that dogged earnings last year will affect performance in 2016 as well.
We also got our first look at fourth-quarter economic growth, which showed that the economy grew at a lukewarm 0.7% pace in the final months of 2015. Low consumer spending weighed on growth, suggesting that Americans are pocketing gasoline savings instead of spending them.[iii] We certainly can't fault folks for financially prudent behavior, but consumer spending accounts for 70% of economic activity. While we can attribute some of the slow economic growth to seasonal factors like an unusually warm winter, analysts will be closely watching data releases in the weeks ahead for signs of deeper weakness.
After meeting for the first time in 2016, the Federal Reserve declined to raise interest rates last week but gave no indication that it intends to abandon rate hikes later this year. Predictably, talking heads exploded on all sides. Some believe that the Fed made a mistake by not raising rates and giving markets more confidence in the economy. Others believe that the Fed is being appropriately cautious given the market turmoil and concerns about economic growth. What's clear is that the Fed is telling investors: "We're aware of the uncertainty and we're keeping an eye on many indicators."[iv]
Bottom line: In our view, market volatility will remain with us for the foreseeable future. While investors appear to be cheerful about earnings that are consistently beating expectations, sentiment could turn on a dime. We're keeping an eye on fundamentals and are suggesting prudent changes where we deem necessary.
Looking ahead, we expect attention to remain on earnings releases as well as a raft of economic reports that could show whether the economy is slowing or not. Traders will be especially interested in seeing if Friday's January jobs report shows sustained strength in the labor market.
Monday: Personal Income and Outlays, PMI Manufacturing Index, ISM Mfg. Index, Construction Spending
Tuesday: Motor Vehicle Sales
Wednesday: ADP Employment Report, ISM Non-Mfg. Index, EIA Petroleum Status Report
Thursday: Jobless Claims, Productivity and Costs, Factory Orders
Friday: Employment Situation, International Trade
Consumer confidence edges up. A measure of consumer optimism about the economy improved slightly in January, indicating that Americans are (so far) brushing off concerns about financial markets.[v]
Durable goods orders slump. New orders for long-lasting factory goods plummeted 5.1% in December, showing that the manufacturing sector slowed considerably last quarter.[vi]
Weekly jobless claims fall. The number of Americans filing new claims for unemployment benefits fell sharply after reaching a six-month high two weeks ago, suggesting that labor market growth remains strong.[vii]
China set growth target for 2016. For the first time, Chinese leaders set economic growth targets of 6.5-7.0% for this year as they attempt to support a transition to a more modest pace of growth.[viii]
[i] http://finance.yahoo.com/q/hp?a=00&b=25&c=2016&d=00&e=29&f=2016&g=d&s=%5EGSPC%2C+&ql=1
[ii] http://www.zacks.com/commentary/69841/q4-earnings-season-all-around-growth-challenges
[iii] http://www.foxbusiness.com/markets/2016/01/29/weak-4q-gdp-temporary-dip-or-is-u-s-recession-bound.html
[iv] http://www.cnbc.com/2016/01/27/the-fed-holds-rates-unchanged.html
[v] http://www.foxbusiness.com/markets/2016/01/26/consumer-confidence-edges-up-in-january.html
[vi] http://www.cnbc.com/2016/01/28/market-reacts-to-sharp-decline-in-durable-goods-orders.html
[vii] http://www.foxbusiness.com/markets/2016/01/28/weekly-jobless-claims-fall-by-16000.html
[viii] http://www.cnbc.com/2016/01/29/china-set-to-adopt-65-7-percent-growth-target-range-for-2016-sources.html
Stocks End Choppy Week Higher – Weekly Update for January 25, 2016
After a volatile week, markets regained some steam, helped by a recovery in oil prices and some upbeat earnings reports. For the week, the S&P 500 gained 1.41%, the Dow grew 0.66%, and the NASDAQ added 2.29%.[i]
Though the headwinds that roiled markets since the beginning of the year remain, investors found their footing last week and closed out a positive week for the first time in 2016. What caused the uptick in investor sentiment?
Oil prices rebounded to settle at their highest close since the first week of January. While oil is likely to remain volatile, a rally helped investors settle their nerves.[ii] Markets also got some help from the European Central Bank, which hinted at further stimulus measures to boost the European economy.[iii]
We're also in the early stages of U.S. earnings season, which is stealing attention away from China and oil prices. So far, with 73 members of the S&P 500 reporting in, earnings are already up 1.4% on 0.8% higher revenues. While those aren't stellar results, 71.2% of reporting firms beat earnings estimates, suggesting that corporate leaders set expectations low enough to be able to beat them amid challenging conditions.[iv]
However, the overall fourth-quarter earnings picture is likely to be less rosy. U.S. companies are struggling to achieve growth goals in a shaky global business environment, and analysts expect overall Q4 earnings to come in below Q4 2014 levels.[v] What do these challenges spell for investors? Volatility. While we can't predict the future, we think that the first few months of 2016 are likely to be rocky for equities.
Looking ahead, the Federal Reserve's January meeting will take center stage this week, though economists expect them to hold pat on interest rates. Though it's possible that Fed economists may vote to raise rates further, a raft of weak data and ongoing concerns about global growth are likely to trigger a wait-and-see approach.
The first look at Q4 economic growth will be released on Friday, and it's likely to show weak growth in the last three months of the year.[vi] Earnings season will also continue, and investors will be looking forward to reports from heavy-hitters like Apple [AAPL], Facebook [FB], and Ford [F].[vii]
Will stocks be able to hold the gains and move out of the pullback? We'll see. The news has been negative for several weeks, and it's possible that investors are poised to jump on any positive surprises.
Monday: Dallas Fed Mfg. Survey
Tuesday: S&P Case-Shiller HPI, Consumer Confidence
Wednesday: New Home Sales, EIA Petroleum Status Report, FOMC Meeting Announcement
Thursday: Durable Goods Orders, Jobless Claims, Pending Home Sales Index
Friday: GDP, International Trade in Goods, Employment Cost Index, Chicago PMI, Consumer Sentiment
Housing starts drop in December. Groundbreaking on new houses fell 2.5% last month and permits fell 3.9%, adding to concerns about economic growth in the fourth quarter.[viii]
Existing home sales surge. Home resales skyrocketed in December by a record 14.7%, boosted by warmer weather and a stronger labor market that is supporting household formation.[ix]
Consumer prices fall in December. A measure of inflation fell last month as lower gasoline prices weighed on energy costs. Tepid inflation could delay further interest rate hikes by the Federal Reserve.[x]
Winter storm Jonas slams East Coast. A blizzard covered large swathes of the East Coast in historic levels of snow. The economic disruption of short-lived storms are usually minor, and Jonas may be a win for grocery stores, though it could be a loss for hourly workers.[xi]
[i] http://finance.yahoo.com/q/hp?s=%5EGSPC&a=00&b=18&c=2016&d=00&e=22&f=2016&g=d
[ii] http://www.cnbc.com/2016/01/22/us-markets.html
[iii] http://www.bbc.com/news/business-35373365
[iv] http://www.zacks.com/commentary/69041/q4-earnings-season-spotlights-growth-challenges
[v] http://www.zacks.com/commentary/69041/q4-earnings-season-spotlights-growth-challenges
[vi] http://www.bloomberg.com/news/articles/2016-01-21/fed-meeting-u-s-gdp-home-data-tennis-week-ahead-jan-23-30
[vii] http://www.zacks.com/commentary/69041/q4-earnings-season-spotlights-growth-challenges
[viii] http://www.foxbusiness.com/markets/2016/01/20/u-s-housing-starts-permits-fall-in-december.html
[ix] http://www.foxbusiness.com/markets/2016/01/22/existing-home-sales-surge-record-14-7.html
[x] http://www.foxbusiness.com/markets/2016/01/20/december-consumer-prices-fall-slightly.html
[xi] http://www.forbes.com/sites/samanthasharf/2016/01/22/economics-of-a-blizzard-winter-storm-jonas-is-a-win-for-whole-foods-but-a-loss-for-hourly-workers/#63366ed5384a
Stocks End Rocky Week Down – Weekly Update for January 19, 2016
Stocks closed down again Friday ahead of the long holiday weekend after disappointing earnings, more China worries, and plunging oil prices added to fears about slowing global growth. For the week, the S&P 500 dropped 2.17%, the Dow fell 2.19%, and the NASDAQ lost 3.34%.[i]
It's certainly been a rough start to the year with multiple weeks of losses and several indexes pushing into 10%+ correction territory. During some market declines, a single culprit is responsible and attention can quickly shift to other issues. In this pullback, multiple factors are contributing to weakness:
Persistent lows in oil prices due to the combination of a supply glut and slowing global demand for oil. After plummeting for more than a year, oil prices have now hit 12-year lows below $30/barrel.[ii] Cheap oil is a boon to consumers who pay less at the pump, but it hits oil producers and ancillary sectors hard.
A Chinese economy in transition from a manufacturing and export-led high-growth period to a more stable, mature model based on services and domestic consumption.[iii] We've never seen a hybrid economy quite like it – halfway between Communism and Capitalism – undergo such a shift. The issues at stake are serious: Can Chinese leaders usher in a new period of growth without sending the economy into recession? Can China's immature financial sector keep up? Answers will come eventually, but we can expect a lot of uncertainty along the way.
We should also keep in mind that markets have enjoyed multiple years of fairly reasonable volatility. Since volatility events tend to occur in clusters, it's not so surprising that we're seeing back-to-back events in financial markets.[iv]
Have stocks hit bottom? We can't know for sure. This week, we'll probably see more poor data out of China that could continue to rattle markets.[v] However, it's possible that earnings season may help turn the tide. While Q4 profits are expected to be down on lower revenues, the bar may already be set so low that earnings surprises could give stocks a boost.[vi] When negativity is already baked into stock prices, even small surprises can shift investor sentiment.
Bottom line: Market corrections happen. They can be stressful and can test your resolve as an investor, but they are normal and healthy. We don't know how long this correction will last or how low markets will go, but we are continually monitoring markets and will suggest prudent changes to investing strategies as necessary. If you have questions or concerns about your portfolio, please reach out to us, we'd love to hear from you.
Monday: U.S. Markets Closed for Martin Luther King, Jr. Holiday
Tuesday: Housing Market Index, Treasury International Capital
Wednesday: Consumer Price Index, Housing Starts,
Thursday: Jobless Claims, EIA Petroleum Status Report, Philadelphia Fed Business Outlook Survey
Friday: PMI Manufacturing Index Flash, Existing Home Sales
Gasoline prices drop below $1 per gallon. Residents in some parts of Michigan officially became the first Americans to buy gas for less than a dollar in over a decade. High oil supplies and low demand may lead to more cheap gas this year.[vii]
Retail sales disappoint. December retail sales slumped unexpectedly as warmer weather cut into sales of winter gear and cheap gasoline weighed on service station business. After a 0.4% rise in November, sales dipped by 0.1% in December.[viii]
Consumer sentiment ticks upward. Despite stock market pullbacks and global worries, Americans' view of the economy and their financial prospects improved slightly in January. Hopefully, that optimism will translate into more spending this quarter.[ix]
Business inventories fall. U.S. businesses sold through their stockpiles rather than replenishing as sales slipped. The decline in inventories could weigh on economic growth in the fourth quarter.[x]
[i] http://finance.yahoo.com/q/hp?s=%5EGSPC&a=00&b=8&c=2015&d=00&e=15&f=2015&g=d
[ii] http://www.cnbc.com/2016/01/17/stock-futures-fall-anew-suggesting-more-weakness-in-major-markets.html
[iii] http://blog-imfdirect.imf.org/2015/10/05/managing-chinas-economic-transition/
[iv] http://www.proba.jussieu.fr/pageperso/ramacont/papers/clustering.pdf
[v] http://www.cnbc.com/2016/01/18/china-gdp-the-elephant-in-the-market.html
[vi] http://www.zacks.com/commentary/68003/weak-earnings-backdrop-for-stocks
[vii] http://abc7.com/news/price-for-gas-hit-47-cents-in-michigan-/1163995/
[viii] http://www.foxbusiness.com/markets/2016/01/15/u-s-retail-sales-end-2015-with-whimper.html
[ix] http://www.foxbusiness.com/markets/2016/01/15/consumer-sentiment-ticks-slightly-higher-in-january.html
[x] http://www.myfoxboston.com/news/us-business-stockpiles-and-sales-fall-in-november/21455657
Special Update: 2015 in Review – Weekly Update for January 4, 2016
Now that 2015 is in the rear-view mirror, let's take a look at some of the factors that influenced markets last year. Though markets closed essentially flat, it's important to realize what a small miracle that is given the many challenges that markets faced in 2015. For the year, the S&P 500 lost 0.73%, the Dow lost 2.23%, and the NASDAQ gained 5.73%.[i]
Let's review some of the major events of last year:
The Federal Reserve Raised Interest Rates
After months of anticipation, the Fed finally pulled the trigger and raised interest rates in mid-December for the first time since 2006.[ii] After years of near-zero rates to stimulate business spending and economic activity, the Fed is finally confident enough to raise rates to keep prices from rising too fast.
How will the Fed's move affect bond yields? Short-term rates will likely start inching up, which we will hopefully see reflected in higher bond and CD rates, but long-term bonds are much harder to predict. Overall, bond yields should head higher if the Fed continues its stable, predictable process of raising rates.
Oil Plummeted to Historic Lows
2015 was another volatile year for oil prices and continued weakness highlighted concerns about global growth. At the end of December, Brent Crude closed at $37.08, down nearly 70% from a high of $115.19 in mid-June 2014.[iii] Weak global demand and high supply volume battered oil prices, even as the total number of oil rigs fell.
Cheap oil is a mixed bag for the market. On the one hand, it's a win for consumers who benefit from low gasoline prices and cheaper goods; on the other hand, oil-producing countries, energy companies, and ancillary industries have been hard hit by prolonged lows in oil prices. Weak demand for oil is also seen as another sign of the global economic slowdown.
Global Jitters Contributed to Volatility & Pullbacks
As the U.S. continued to improve economically in 2015, markets were dogged by the realization that much of the rest of the world isn't faring so well. It has become very clear that Europe, China, and many emerging markets are struggling with protracted economic weakness.
Emerging market economies like Brazil, Turkey, and South Africa benefited from years of low interest rates, during which investors flooded their markets looking for higher returns. Now that the easy money party is ending, these investors are pulling their money out. Emerging market countries are dealing with the one-two punch of higher interest rates (increasing their borrowing) and debts that are denominated in a strengthening dollar, making it harder to pay back existing loans.[iv]
These global worries came to a head in August when the Chinese central bank shocked the world by devaluing the yuan.[v] By making the Chinese currency cheaper against other currencies, central bankers hope to boost demand for Chinese goods. The move was widely viewed as an admission that the world's second-largest economy is in trouble, and markets reacted by plummeting. Between August 10th and August 25th, the S&P 500 dropped over 11%, officially entering correction territory.[vi]
However, markets didn't stay there; investors quickly regained their optimism and bought the dip, sending the S&P 500 up nearly 9.5% by the end of the year.[vii] The lesson? Corrections are normal, healthy parts of the market cycle. While the sky can seem like it's falling at times, taking a deep breath and looking at underlying fundamentals is key to avoiding emotional reactions.
The U.S. Economy Continued to Improve
Though the global economy struggled in 2015, the U.S. economy continued to do well, even after a rocky start to 2015. Though economic growth slowed, hampered by global headwinds, the economy turned out respectable second- and third-quarter growth. Though we don't have fourth-quarter data yet, economists project that the economy grew 2.2% in the final three months of the year.[viii]
The labor market also continued to make progress last year. Overall, the economy is projected to have gained 2.5 million new jobs in 2015 and trimmed the unemployment rate to 5.0%. After 2014's 3.1 million new jobs, we can say that 2015 ends the best two-year period for the labor market since the dot-com boom days of 1998-1999. Though wage growth still isn't spectacular, hourly earnings increased 2.3% over the year. [ix]
Comparing the jobs growth to the previous year's total might suggest that the labor market growth slowed down in 2015. However, the rate of voluntary "quits" increased in 2015, indicating that people feel comfortable enough in their prospects to leave their jobs for greener pastures.[x] All told, the labor market did a lot to boost the economy last year.
Headwinds and Tailwinds in 2016
While we have been largely optimistic about markets in past years, we're shifting to a more guarded stance for 2016. Many of the headwinds that dragged on market performance last year are still with us; while the "plow horse" U.S. economy is projected to grow moderately this year, global challenges remain.[xi]
Overall, Wall Street is also cautious about stocks in 2016. A poll of top Wall Street analysts forecasted an average S&P 500 gain of 6.28% growth in 2016.[xii] As always, it's best to treat these predictions with caution as projections this early in the year are always nebulous. What we can do right now is take a look at fundamentals and think about how these factors might play out in market performance.
In the coming weeks, investors will be looking hard at fourth-quarter numbers to see how U.S. companies performed in the final months of the year. In the week ahead we'll see the December jobs report and learn more about the Fed's decision-making process around rates. We'll also see whether higher interest rates affected demand for vehicle sales and other big-ticket items at the end of the year.[xiii]
As always, if you have any questions about markets or your personal situation, please give us a call. We are honored by the trust you place in us and look forward to serving you in 2016.
Monday: PMI Manufacturing Index, ISM Mfg. Index, Construction Spending
Tuesday: Motor Vehicle Sales
Wednesday: ADP Employment Report, International Trade, Factory Orders, ISM Non-Mfg. Index, EIA Petroleum Status Report, FOMC Minutes
Thursday: Jobless Claims
Friday: Employment Situation
Consumer confidence rebounds in December. A measure of consumer optimism rose at the end of the year, indicating that the improving labor market is giving Americans more confidence in their prospects.[xiv]
Jobless claims jump sharply. The number of Americans filing new claims for unemployment benefits jumped by 20,000, likely because of seasonal holiday factors.[xv]
Midwestern manufacturing slips. A measure of the manufacturing industry in the Midwest indicates that December activity fell to the lowest level since mid-2009. While seasonal factors could affect the data, it could indicate sustained weakness in the factory-heavy region.[xvi]
Puerto Rico makes bond payments. The U.S. territory, which has been struggling to make debt payments, will make full bond payments on its General Obligation (GO) bonds in January.[xvii]
[i] http://finance.yahoo.com/q/hp?s=%5EGSPC&a=11&b=28&c=2015&d=11&e=31&f=2015&g=d
[ii] http://www.cnbc.com/2015/12/16/fed-raises-rates-for-first-time-since-2006.html
[iii] https://research.stlouisfed.org/fred2/series/DCOILBRENTEU#
[iv] http://www.ibtimes.com/us-fed-rate-hike-worried-investors-emerging-markets-prepare-impending-turmoil-2227581
[v] http://fortune.com/2015/08/19/what-chinas-currency-devaluation-means-for-the-worlds-trade-deals/
[vi] Source: Yahoo Finance. S&P 500 price performance between 8/10/15 and 8/25/15.
[vii] Source: Yahoo Finance. S&P 500 price performance between 8/25/15 and 12/31/15.
[viii] http://projects.wsj.com/econforecast/#ind=gdp&r=20
[ix] https://research.stlouisfed.org/fred2/series/PAYEMS#
[x] https://research.stlouisfed.org/fred2/series/JTSQUR
[xi] http://projects.wsj.com/econforecast/#ind=gdp&r=20
[xii] http://www.marketwatch.com/story/wall-streets-forecast-for-2016-worse-than-last-year-2015-12-28
Average S&P 500 return calculation: 2,063.36 12/31/15 close to 2,193 average 2016 price target
[xiii] http://www.foxbusiness.com/economy-policy/2015/12/29/week-ahead-december-jobs-report-auto-sales/?intcmp=bigtopmarketfeatures
[xiv] http://www.foxbusiness.com/industries/2015/12/29/consumer-confidence-rebounds-more-than-expected-in-december/
[xv] http://www.foxbusiness.com/economy-policy/2015/12/31/weekly-jobless-claims/
[xvi] http://www.foxbusiness.com/economy-policy/2015/12/31/midwest-manufacturing-slips-deeper-into-contraction/
[xvii] http://latino.foxnews.com/latino/news/2016/01/01/puerto-rico-begins-to-make-payments-on-debt-due-in-early-january/
16 Financial Resolutions for 2016
As the end of 2015 approaches, it's time to start thinking about how to make 2016 a success for you and your loved ones. Though there's little consensus about their origins, we know that Americans have been making New Year's resolutions since at least the 1770s. [i] In 2015, 31% of Americans made financial resolutions.[ii]
Here are 16 financial resolutions to help make 2016 healthy, happy, and successful:
1. Create emergency savings
Life is full of unexpected emergencies, and some extra cash can help a serious illness, home repair, or other sudden financial need from derailing your finances. Prepare for unpredictable expenses by putting aside six to eight months of expenses in an easily accessible cash-equivalent account.
- Make a monthly budget and stick to it
Budgets may sound like a lot of unnecessary work, especially if you're financially comfortable, but it's quite easy to let your spending go off the rails if you're not tracking it in some way. Set a budget and work on sticking to it for a couple of months. Don't aim for perfection; instead, try for incremental improvement.
- Save more for the future
Are you on track for retirement and other goals? Most Americans could stand to put more money away for the future. We recommend keeping separate "buckets" of savings for short-, medium-, and long-term goals and leveraging tax-advantaged accounts where possible. Let us know if you'd like help saving for specific goals so that we can help ensure you have the right strategy for your needs and timeline.
- Make retirement plan contributions regularly (instead of all at once)
We believe that "time in the market" is critical to long-term investing success. Instead of waiting until the last minute to make your annual contributions, give your money more time to grow by making automatic contributions to your accounts every month.
- Maximize your retirement plan contributions
Tax-managed retirement accounts are one the most powerful ways to save for a more comfortable retirement. Make the most of them by contributing as much as you can each tax year. We usually recommend maxing out employer-sponsored plans first to take advantage of any matching contributions your employer may offer. Give us a call if you need help understanding your retirement account options.
- Pay down high-interest debt
High-interest debt can make it very hard to get ahead financially. If you're carrying a lot of debt, make paying it down a priority. Contact us for help managing expenses and getting on top of your debt.
- Set goals for the future and work with a professional to help you achieve them
In our experience, people who set goals for themselves and create strategies to pursue them are much more likely to see success. One study found that investors who leveraged specific financial strategies saw greater long-term financial success.[iii] Sit down with your loved ones to discuss your financial goals; when you're ready to discuss your thoughts, call our office to schedule a no-obligation consultation.
- Create a powerful legacy for the world
We believe that a rich life is about more than financial success and a comfortable lifestyle. Whether you want to leave something to your loved ones, or contribute to causes close to your heart, take some time to think about the legacy you will leave for the future.
- Review your estate planning and legal documents
Your core legal documents should be regularly reviewed to make sure that they keep up with your life. If it's been a few years since you took a look at your documents, dust them off and make sure that they still represent your wishes.
- Review the beneficiaries of your financial accounts and insurance policies
When is the last time you updated your beneficiaries? Since beneficiary provisions are independent of your will or other estate provisions, it's critical to keep them current. Contact us for assistance with gathering account documents and making needed updates.
- Stay on top of your health
Healthcare is a major expense for most Americans, especially when serious illness strikes. Take steps to protect your health (and your wallet) by building a healthy lifestyle and being proactive about preventative care.
- Protect your credit and identity
Identity theft and financial fraud are serious threats that can compromise your financial wellbeing. Protect yourself by reviewing financial statements and bills carefully for unauthorized activity. Check your credit report for free each year at www.annualcreditreport.com.
- Review your tax strategies for potential savings
Recent changes to tax laws mean that your tax burden may have increased. Give us a call to discuss tax strategies that may help you reduce your tax burden.
- Involve your loved ones in your finances
If you (or your spouse) don't get involved in the family finances, it's time to start. Work together to make financial decisions and make sure that each of you understands the overall game plan for your finances. At minimum, make sure that your loved ones know how to access financial accounts and understand your wishes.
- Identify your goals for 2016
What do you want to accomplish in 2016? Whether you want to get a raise, go on a wonderful vacation, or spend more time with your family, take a moment now to write them down.
- Keep your resolutions!
One study found that people keep just 8% of the New Year's resolutions they make.[iv] Improve the chances that you will keep your resolutions by making your goals simple, concrete, and actionable. Instead of saying: "I will save more for the future in 2016," say: "I will contribute $4,500 to my retirement accounts by December 31, 2016" or "I will pay off $2,000 of credit card debt by April 15."
As 2015 draws to a close, we would like to extend our thanks for the trust and confidence you've placed in our firm. You've made this year one to remember, and we are sincerely grateful for the privilege and opportunity to serve. We look forward to serving you and yours for many years to come.
If you have questions about your future or would like some support in keeping your financial resolutions, please give us a call. Together, let's make 2016 a success.
[i] http://articles.courant.com/2013-11-19/community/hcrs-82240-wethersfield-20131115_1_christmas-open-house-christmas-traditions-santa-claus
[ii] https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/2015-new-year-resolutions-fact-sheet.pdf
[iii] http://corporate.morningstar.com/ib/documents/PublishedResearch/AlphaBetaandNowGamma.pdf
[iv] http://www.forbes.com/sites/dandiamond/2013/01/01/just-8-of-people-achieve-their-new-years-resolutions-heres-how-they-did-it/
Qualified Charitable Distributions From IRAs Have Been Permanently Extended
The Consolidated Appropriations Act, signed into law on December 18, 2015, includes a provision, effective immediately, that permanently extends the ability of individuals at least age 70½ to take qualified charitable distributions (QCDs) from Traditional, Rollover, or Roth IRAs for payment directly to a qualifying charitable organization.
The following restrictions apply to QCDs:
- A qualifying charitable organization is a public charity as described in IRC 170(b)(1)(A), but does not include donor-advised funds, supporting organizations, or private foundations.
- Only outright gifts are eligible; contributions to charitable gift annuities, charitable remainder trusts, pooled income funds, or other split-interest entities do not qualify.
- The amount of the distribution can be excluded from income up to a maximum amount of $100,000 per year.
- The entire amount must otherwise be includable in income.
- The entire amount must otherwise be tax deductible as a charitable contribution.
- The amount of the distribution cannot also be taken as a charitable deduction.
- The amount distributed to the charity counts toward meeting the required minimum distribution for the year distributed.
For more information about the Consolidated Appropriations Act, 2016, refer to https://www.gpo.gov/fdsys/pkg/BILLS-114hr2029enr/pdf/BILLS-114hr2029enr.pdf
Stocks Close Mixed on Low Holiday Volume Weekly Update – November 30, 2015
Stocks closed out the short week mixed on very low volume as investors stayed home for the holidays. For the week, the S&P 500 grew 0.04%, the Dow lost 0.14%, and the NASDAQ gained 0.44%.[i]
The data we got last week suggests that the economy is still chugging along. Investors got their second look at third-quarter Gross Domestic Product and were cheered to learn that the economy grew 2.1% last quarter instead of the 1.5% originally estimated. The revised data shows that businesses spent more than expected.[ii]
The holiday shopping season kicked off with Black Friday, and the news so far suggests that retailers may have seen less business than last year. However, a sluggish start to the retail season isn't all bad news. National shopping trends suggest that the Black Friday weekend is becoming less important to retailers, especially as more consumers move to online shopping; industry projections indicate that retailers may see a 2.4% increase in holiday sales this year.[iii]
However, despite the improving labor market and economy, Americans may be less eager to open their wallets this year. Overall consumer spending data suggests that Americans are curbing their spending and padding their savings accounts. While we certainly won't argue that prudent financial behavior is a bad thing, flat consumer spending may be a headwind for economic growth.[iv]
The week ahead is packed with important economic events, including the November jobs report, which is the last major employment data the Federal Reserve will review before they meet in mid-December to make a decision about interest rates. If the jobs report shows evidence of continued momentum in the labor market, it could sway the Fed toward raising interest rates for the first time in nine years.[v] Fed chairwoman Janet Yellen will also give several speeches, though it's unlikely that she'll give us too many hints ahead of the December meeting.
Monday: Chicago PMI, Pending Home Sales Index, Dallas Fed Mfg. Survey
Tuesday: Motor Vehicle Sales, PMI Manufacturing Index, ISM Mfg. Index, Construction Spending
Wednesday: ADP Employment Report, Productivity and Costs, EIA Petroleum Status Report, Janet Yellen Speaks 12:25 PM ET, Beige Book
Thursday: Jobless Claims, Janet Yellen Speaks 10:00 AM ET, Factory Orders, ISM Non-Mfg. Index
Friday: Employment Situation, International Trade
Durable goods jump in October. Orders for long-lasting manufactured goods like autos, airplanes, and appliances, soared 3.0% in October. The increase suggests that demand may be increasing in the last months of the year.[vi]
Consumer confidence declines in November. A measure of American sentiment about the economy unexpectedly fell in November as Americans became concerned about their job prospects.[vii]
New home sales soar. Sales of newly constructed homes skyrocketed by 10.7% in October, and inventories rose to the highest level in 2010. The increased activity could blunt concerns about a slowing housing market.[viii]
Mortgage applications fall as rates increase. A rise in mortgage rates over the last month caused application volume to drop 3.2% last week. However, applications are still up 4.0% over the same period last year.[ix]
[i] http://finance.yahoo.com/q/hp?s=%5EGSPC&a=10&b=23&c=2015&d=10&e=27&f=2015&g=d
[ii] http://www.cnbc.com/2015/11/24/us-preliminary-q3-2015-gdp.html
[iii] http://www.cnbc.com/2015/11/28/black-friday-sales-slip-from-year-prior-shoppertrak.html
[iv] http://www.cnbc.com/2015/11/25/personal-income-.html
[v] http://www.foxbusiness.com/economy-policy/2015/11/27/week-ahead-november-jobs-report-fed-speeches/
[vi] http://www.foxbusiness.com/economy-policy/2015/11/25/durable-goods-order-rosefell-xx-in-october/
[vii] http://www.foxbusiness.com/economy-policy/2015/11/24/consumer-confidence-unexpectedly-declines-in-november/
[viii] http://www.foxbusiness.com/economy-policy/2015/11/25/new-home-sales-rise-xx-in-october/
[ix] http://www.cnbc.com/2015/11/25/mortgage-applications.html
Stocks Finish Strong on Surprising Jobs Report Weekly Update – November 9, 2015
Markets ended last week on a high note, marking the sixth straight week of gains and the longest winning streak for the major averages since late 2014.[i] For the week, the S&P 500 grew 0.95%, the Dow gained 1.40%, and the NASDAQ grew 1.85%.[ii]
Since August's pullback, the S&P 500 has regained 12.40%.[iii] While headwinds still exist, and we don't think that stock investors should breathe a sigh of relief yet, we're happy to see that markets have regained some lost ground.
Underpinning the renewed investor optimism are some strong domestic fundamentals. After a lousy September report, a surprisingly strong October employment report showed that the economy gained 271,000 jobs. The number came in well above expectations of 180,000 and shows that the labor market continues to improve. Even better, wages grew 2.5% from a year ago – the highest year-over-year increase since 2009.[iv] The strong jobs report gave immediate rise to speculations about interest rate hikes.
In a speech before the House, Federal Reserve Chair Janet Yellen said that a December rate hike is still on the table. Will pulling the trigger roil markets? Maybe. Though the past can't predict the future, we can look back and see that investors have often reacted nervously to any move (or expectation of a move) by the Fed. While a rate increase is a vote of confidence in the economy, it's also a source of worry for some economists. China's slowing growth and fragility among other emerging market economies mean that raising borrowing costs could have ripple effects across the global economy.
In her testimony, Yellen emphasized that the U.S. economy is growing well, though she indicated that soft global trade and exports are potential headwinds. Overall, it looks like the Fed isn't committing to a date for a rate hike yet and will wait to see what the data shows in the coming weeks.[v]
Tuesday: Import and Export Prices
Thursday: Jobless Claims, JOLTS, EIA Petroleum Status Report, Treasury Budget
Friday: PPI-FD, Retail Sales, Business Inventories, Consumer Sentiment
Productivity grows slowly in Q3. Third-quarter output per worker grew 1.6%, possibly indicating why wage growth remains stubbornly weak. Labor productivity grew 3.5% in the second quarter.[vi]
Sluggish demand drags on China. New data highlights China's decelerating economy as imports fall 16% and exports fall 3.6% in October. Trade dropped 9% overall, marking the eighth straight month of decline.[vii]
Manufacturing brakes in October. A measure of factory activity showed that the sector slowed last month to the lowest level since 2013. However, a rise in new orders offers hope for the fourth quarter.[viii]
Construction spending rises in September. Spending on new construction skyrocketed, growing faster than expected. September activity reached the highest level since 2008, suggesting that third-quarter economic growth might be higher than originally estimated.[ix]
[i] http://www.cnbc.com/2015/11/06/us-markets.html
[ii] http://finance.yahoo.com/q/hp?s=%5EGSPC&a=10&b=2&c=2015&d=10&e=6&f=2015&g=d
[iii] Source: Yahoo Finance. S&P 500 price return between August 25, 2015 and November 6, 2015
[iv] http://www.foxbusiness.com/economy-policy/2015/11/06/us-adds-271000-jobs-in-october-strong-upside-surprise/
[v] http://www.theguardian.com/business/2015/nov/04/janet-yellen-december-rate-hike-still-on-table
[vi] http://www.reuters.com/article/2015/11/05/usa-economy-idUSL1N1301N520151105
[vii] http://www.foxnews.com/world/2015/11/08/as-prices-drop-and-demands-slump-china-october-import-and-export-fall/
[viii] http://www.foxbusiness.com/economy-policy/2015/11/02/us-manufacturing-sector-growsslows-more-than-expected-in-october/
[ix] http://www.foxbusiness.com/economy-policy/2015/11/02/us-manufacturing-sector-growsslows-more-than-expected-in-october/


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By Lisa Voyles Chickasaw Journal HOUSTON – The congregation at Houston First United Methodist Church welcomed a new pastor in the pulpit Sunday morning, although he didn't have far to travel to get here. Bro. Rex Wilburn will replace Bro. Larry Patrick at Houston FUMC due to Patrick's retirement for health reasons and Wilburn moved […]
Tag Archives | Rossville Academy
Wilburn joins FUMC as new pastor
By Lisa Voyles | 12:55 PM | July 3, 2013 | Living, News
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text:
Unprofessional Fridays: 04/29/2016
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It's the Star Fox game you wanted...in 2002.
Insomniac reimagines a classic, making it more than a simple movie tie-in.
Though a handful of major bugs hold back the PC release a bit, Dark Souls III is a satisfying finale to the monumental series.
Concept »
The second point and click horror/adventure game from developer Shadow Tor Studios. Spend a night in the moorlands as you investigate sightings of unexplainable creatures reported by park rangers and hikers in the area.
One of the best-selling real time strategy franchises returns with Age of Empires Online, Microsoft's first title to utilize a free-to-play model. The game is no longer playable, as its servers were shut down in July 2014.
Warriors: Legends of Troy is a western-developed take on Koei's Musou franchise set during the Trojan War.
Civilization V, the newest entry into the Civilization series, brings brand new gameplay elements to this beloved franchise, while maintaining the "just one more turn" mentality.
When King Jason's beloved Alceme is murdered at the altar on their wedding day, he embarks on a legendary journey with the greatest heroes of myth in order to find a way to bring her back to life, and get his revenge on the cultists who ordered her death.
300: March to Glory is a hack n slash action game based on the Frank Miller comic book series and 2007 movie of the same name, 300.
Rome Total war- Alexander is an expansion to Rome Total war released exclusively to valve's steam distribution center.
The fourth official installment of the empire-building turn-based strategy game Sid Meier's Civilization, adding 3D graphics, a simpler user interface, and numerous gameplay enhancements.
Empire Earth II is the second major instillation in the EE franchise from Mad Doc Software.
Take control of massive armies as you battle to conquer the known world. Be it on the battlefield or on the world map, besiege cities and route enemies. All for the ultimate goal of crushing the senate and ruling Rome.
Build a nation and watch it progress through the ages in this real-time strategy game from Big Huge Games.
Empire Earth is a real time strategy game developed by Stainless Steel Studios in which instead of advancing with research, like the Age of Empires series, you age through time.
Explore the ancient Egyptian city of Heliopolis as priestess Tifet looking to cure her father's illness.
Pharaoh is a Real-Time Strategy game by Sierra, where the player builds, governs and manages ancient Egyptian cities.
Visit ancient Egypt as it was in 1156 BC. Explore tombs, temples and towns while solving a mysterious theft.
Pick up your trusty club and get ready to crush some Neolithic skulls in this historically based Real time strategy game focusing on the early Stone Age through till the late Iron Age.
The second game in the famous turn based strategy series by Sid Meier.
Build a monumental empire (that can stand the test of time) in this turn-based strategy game by MicroProse.
An Egyptian-themed game for PlayStation.
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WASHINGTON – After finishing higher for two consecutive months, the Consumer Price Index for food and beverages finished flat in February, ending at 236.2, according to the Bureau of Labor Statistics of the Department of Labor. The food index also was unchanged, ending at 236.3 in February.
The index for meats, poultry, fish, and eggs also increased during February, climbing 0.5 percent. The index was flat in January.
The overall Consumer Price Index advanced 0.7 percent in February after finishing flat for two straight months. Over the past 12 months, the index increased 2 percent.
Only two of the six major grocery store food group indexes increased in February, led by fruits and vegetables, which rose 1.4 percent. Both the fresh fruits and fresh vegetables indexes increased 1.8 percent during the month.
The index for cereals and bakery products, which increased 0.1 percent in January, fell 0.2 percent in February.
Also easing in the month was the index for dairy and related products, which fell 0.4 percent during the month, and other food at home, which declined 0.6 percent.
The index for nonalcoholic beverages, which declined 0.5 percent in January, was flat in February.
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Herbeau 0103R
Colquille 17-3/4" Vitreous China Wall-Hung Lavatory Hand Basin with Faucet Hole on Right Side
Item # BCI968716 | Model # 0103R | Coquille Collection
Questions about Herbeau 0103R?
Contact us for advice or more details. Our product specialists are here to help.
Colquille 18" Wall Mounted Lavatory Sink
- Coquille Hand Basin
- Dimensions: 17 3/4"W x 14 3/4"L x 7 1/2"H
- One Hole Drilling on Right Side
- Please use "2120", "2121" and "2122" to complete the waste assembly
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text:
Paris Pact Could Benefit From Halt of Fossil Fuel Leases
Phasing out federal coal, oil and gas leasing on public lands in the U.S. could make a small but significant contribution toward the international goal of keeping global warming to 2°C (3.6°F), according to a paper published Tuesday by the Stockholm Environment Institute. Shutting down all federal oil, gas and coal leasing would lead to a … Read More
Global Warming Is Starving West Coast Waters of Oxygen
Rockfish populations that crashed off the southern Californian coast in the 1990s have been protected by fishing rules and marine parks. But climate change is making a natural threat to the fish even worse. As atmospheric pollution warms the planet and its seas, oxygen levels are declining in the oceans, making it harder for the bottom-dwelling… Read More
Warming to Bring 'Epidemic' of Heat-Related Injuries
Workers in fields and factories face an epidemic of heat-related injuries that will devastate their health, income and productivity as climate change takes hold, a major UN report has warned. Productivity losses alone could rise above $2tn by 2030, as outdoor employees in many regions slow their pace, take longer breaks and shift their work to… Read More
Satellite Shows U.S. Has the Most Gas Flares in the World
Drive through many oil and gas fields in the U.S. and one thing stands out above the pumpjacks and storage tanks, especially at night — steadily flickering flames. Those flames are known as gas flares, which burn off excess natural gas from crude oil and natural gas wells across the globe. Scientists at the National Oceanic and Atmospheric … Read More
Climate Change is 'Devastating' The Great Barrier Reef
Warm ocean waters that sucked the color and vigor from sweeping stretches of the world's greatest expanse of corals last month were driven by climate change, according to a new analysis by scientists, who are warning of worse impacts ahead. Climate change made it 170 times more likely that the surface waters of the Coral Sea, which off the… Read More
Strong El Niño Helped Lower U.S. Heating Costs
Was your heating bill a bit friendlier to your wallet this winter? If so, there's a good chance you can thank El Niño. The exceptionally strong El Niño in the Pacific has been driving chaotic weather across the globe for months, but it also contributed to a mild winter in the U.S., which was about 15 percent warmer than the winter of 2014-2015.… Read More
With The Paris Agreement Signed, Hard Work Begins
Diplomats and leaders representing more than half the world's countries on Friday gave a global effort to slow climate change a ceremonial nudge forward. The signing in New York of the Paris Agreement, which is a United Nations climate treaty that was finalized during high-profile negotiations in France in December, was a symbolic overture to year … Read More
2016 Election Critical to Success of Paris Climate Pact
The 2016 presidential election is likely to be enormously consequential to the success of the Paris climate agreement, due to be signed Friday at the United Nations, and the ability of the United States to lead the world in reducing greenhouse gas emissions to keep global warming to "well below" 2°C (3.6°F).… Read More


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Los Angeles, Feb 7: After what felt like an eternity, Frederic Prinz von Anhalt emerged into the foyer of the old-fashioned mansion he shares with his wife of 25 years, former glamour queen Zsa Zsa Gabor.
The self-proclaimed German prince held a chocolate birthday cake he said was a gift from celebrity chef Wolfgang Puck. Smoke from the candles, now out, still drifted in the air.
Surrounded by paintings and photographs depicting Gabor when she was a sassy Hungarian actress, a few dozen guests quietly sippsed champagne and mingled in the common areas of the home overlooking the twinkling lights of Los Angeles.
But Gabor was nowhere to be seen—apparently celebrating her 95th birthday behind closed doors on this Monday evening. Von Anhalt presented the cake to his bedridden beloved out of sight from partygoers.
Gabor has had numerous health problems for nearly two years: a broken hip, a leg amputated because of gangrene, the other leg nearly amputated, blood clots, infections, pneumonia, a loose feeding tube. But that didn't stop the publicity-loving von Anhalt from throwing a good party in her honor.
"This night is only a celebration of my wife's life," he proclaimed.
Pianist Rei Williams filled the air with tunes such as "Wind Beneath My Wings" and "Moon River." A young male singer who bears a striking resemblance to Justin Bieber named Caleb—just Caleb—lounged near the pool.
Gabor may not know what's going on outside her bedroom door, but she can feel the energy, von Anhalt said.
He said she's getting better. He said she wants to live.
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Myanmar is in need of a structural transformation from an agrarian economy to one based more on a mix of modern activities, including manufacturing and services. Modernising the agricultural sector by building linkages to complementary non-agricultural activities – an "agricultural value chain" approach – could set in motion this process of structural transformation. Furthermore, given Myanmar's level of economic development, its large rural population and the weight of agriculture in the economy, a development strategy that puts agriculture and rural development at its core has the potential to make a significant positive impact for millions. This third report of the Multi-dimensional Review of Myanmar synthesises the findings and recommendations from the first two reports according to the following priorities as defined by stakeholders in Myanmar: supporting the agri-food sector's ability to respond to market demand for quality products; introducing innovative models of delivering extension services and training to upgrade agronomic and technical skills; providing the conditions for a vibrant financial system that meet the needs of rural areas; strengthening land rights; engaging citizens in the policy making process; and managing and maximising the benefits of emigration from rural areas.
The Government of Mexico is stepping up its engagement with its philanthropic sector. Three factors fuel this decision. First, the share of official development assistance to middle-income countries, such as Mexico, is expected to significantly decrease in coming years. In 2014, the donor community decided to increase support for least-developed and fragile states rather than middle-income countries.
Food insecurity and malnutrition are major international concerns, especially in rural areas. At the global scale, they have received considerable attention and investment, but the results achieved so far have been mixed. Some countries have made progress at the national level, but still have many citizens who are food insecure, often concentrated in specific geographic areas. Food insecurity and poverty are highly interlinked and have a strong territorial dimension. To provide effective long-term solutions, policy responses must therefore be tailored to the specific challenges of each territory, taking into account a multidimensional response that includes food availability, access, utilisation and stability. This report highlights five case studies and the OECD New Rural Paradigm, presenting an effective framework for addressing food insecurity and malnutrition.
Two numbers convey the dramatic truth and enormous challenge behind the Agenda for 2030 and the Sustainable Development Goals (SDGs): One billion people live on less than USD 2 a day. 1% of the world's population consumes roughly 30% of its resources. Think about those numbers. They are absurd. But they can be changed if the world comes together to achieve the SDGs set forth by the United Nations in September 2015.
English, PDF, 4,846kb
Despite the progress observed by PISA over the last decade, Latin American education systems still have a long way to go to reach world class standards. Ibero-American countries will also need to rethink their instructional system to better anticipate the knowledge and skills it will need to reignite its economy.
The Typology of risks, mitigation measures and incentives in the extractive chain is the first analytical tool that provides evidence-based analysis to understand better how corruption, defined as abuses of public or private office for personal gain, works throughout the extractive - mining, oil and gas - value chain.
Migration can have benefits for everyone involved, but this is far from automatic. It requires new institutions, institutions designed for a world that moves. We propose Global Skill Partnerships (GSP) as a new way to make skilled migration more beneficial to migrant-destination countries, origin countries and migrants.
Japan, one of the founding members of the OECD Development Centre, conveyed its intention to return as a member. Prime Minister Abe and Minister of Foreign Affairs Fumio Kishida confirmed Japan's commitment to the OECD Secretary General Gurría and Development Centre's Director Mario Pezzini during their visit to Tokyo earlier this week.
World leaders have endorsed 17 Sustainable Development Goals (SDGs). These comprise some 169 targets in fields ranging from poverty and hunger to equality and climate action to peace and justice. To know where we are starting from, whether we're making progress, and what we need to improve, we will need good data for governments to make evidence-based decisions and for citizens to hold them to account.


text:
Short Cuts
Author and Publisher - Catholic Online
Abbot of Bethlehem, Israel, a friend of St. Jerome and St. Paula. A native of Cremona, Italy, he went to Rome and met St. Jerome and went to the Holy Land where he met St. Paula and her mother, St. Eustochium. They settled in Bethlehem, and Eusebius returned to Italy to raise funds for a pilgrim hostel. He was involved in the dispute over Origen and is believed to have persuaded Pope St. Anastasius to condemn Origen's writings. Eusebius served for a time as an abbot in Bethlehem but then returned to Cremona in 400. A tradition credits him with founding Guadalupe Abbey in Spain. He supported St. Jerome's writings and work.
Saint Rita was born Margherita Lotti in Roccaporena, Italy in 1381. The day after her baptism, Rita was surrounded by a swarm of white bees, which went in and out of her infant mouth ... continue reading | shop
It is uncertain when Saint George was born and historians continue to debate to this day. However, his death date is estimated to be April 23 303 A.D. The first piece of evidence of ... continue reading | shop
St. Mary Magdalene is one of the greatest saints of the Bible and a legendary example of God's mercy and grace. The precise dates of her birth and death are unknown, but we do know she was ... continue reading | shop
Bishop of Arles, France, and friend and relative of St. Honoratus. He was born to a noble family in Lorraine and was successful, although he gave up his secular career to join St. Honoratus at Lerins ... continue readingMore Saint of the Day
Irish abbess and disciple of St. Abban. When St. Abban founded a convent in Ballyvourney, County Cork, Ireland, Gobnata was placed in charge. A well there bears her name. continue readingMore Female Saints
Saint Michael the Archangel isn't a saint, but rather he is an angel, and the leader of all angels and of the army of God. This is what the title "Archangel" means, that he is above all the others in rank. St. Michael has four main responsibilities or offices, as we ... continue reading
St. John Vianney, Priest (Patron of priests) Feast day - August 4 Universally known as the "Cure of Ars)," St. John Mary Vianney was ordained a priest in 1815. Three years later he was made parish priest of Ars, a remote French hamlet, where his reputation as a ... continue reading
Saint Birgitta was the daughter of Uppland's Lagman, Birger Petersson and his wife, Ingeborg, who was a member of the same clan as the reigning family. Birgitta's family was pious; her father went to confession every Friday and made long and arduous pilgrimages as far ... continue reading
By Marshall Connolly (CALIFORNIA NETWORK)
On September 4, 2016, Pope Francis will canonize Mother Teresa as a saint of the Roman Catholic Church. Her canonization is an important event for Catholics and all people around the world. Here's 3 reasons why. LOS ANGELES, CA (Catholic Online) - When Mother Teresa is ... continue readingMore Christian Saints & Heroes