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This website uses cookies to distinguish you from other users. This helps us to provide you with a good user experience and also allows us to improve our website.
More information
Next start: 1 September 2016
Applications to the Masters in Management class commencing in September 2016 are now closed and the class is full.
Applications for MiM2018 will open on 1 August 2016, and our Admissions Team will begin reviewing applications from 22 August 2016. You will not need to wait for the first recommended deadline to submit your application but please be aware that applications submitted before the 22nd will not be reviewed until this date.
The application form is designed to be completed over several sessions. You can save your work as you go and submit the completed form whenever you are ready.
Application essays are your opportunity to tell us more about yourself and detail your interests, values and goals. We are interested in what motivates you, evidence of leadership and team work, why you are looking to pursue a Masters in Management, and what you will bring to the LBS community.
Essays are a vital part of your application and we recommend that you spend a significant amount of time in their preparation. They must be specific to the current application and personal statements will not be accepted in lieu of the essays.
Candidates with exceptional academic performance may be considered for a waiver. Read our FAQ page for more information about our GMAT/GRE waiver policy. Practise the GMAT test with London Business School's GMAT simulator and prepare yourself for the real thing.
Our institution codes are:
We recommend that you use our CV template. Follow the instructions within the online application form to attach the document to your application.
Names and details of two referees. Preferably one academic and one professional provided in the online system.
If English is not your native language, or if you have not been studying fully in English or living in an English-speaking country for at least two years, please submit your IELTS, TOEFL, Cambridge CPE, CAE or PTE Academic score. Other tests will not be accepted.
Download proving your English language ability (PDF, 100 KB) for guidance.
£90 for the programme beginning September 2016 (non-refundable). Payable online by credit card upon submission of your application.
Your application will remain incomplete and will not be reviewed until the correct fee is received. An application fee waiver is available to graduates of the University of London upon production of your degree transcript.
A copy of your university transcript(s), including a comprehensive record of completed courses, grades and class of degree received and, if possible, a class ranking. We cannot review your application without this information. If your transcript is not in English you must provide a certified or notarised English translation.
If you have not yet completed your degree you will need to request a transcript that is current at the time of applying. Admitted students will be required to provide original copies upon the programme start.
Apply as early as possible for the best chance of achieving a place. In most cases you will receive a final decision within six to eight weeks of submitting your completed application.
We apply the same selection throughout the admissions cycle but competition is often more intense in the final months.
Interviews conducted by alumni may take longer to coordinate, and the scheduling of your interview will not affect your application.
You must submit all required documents, including essays, GMAT/GRE, references and transcript(s) before we can consider your application. Please note that we will notify you if there is anything missing from your application before your file is reviewed by the Admissions Committee, and if so you will be given a deadline to submit this information.
However, if by the deadline the requested documentation is still missing, your application will ultimately be reviewed by the Committee whether it is complete or not and the decision to take your application to the interview stage will be made on the basis of the information submitted.
Allow yourself sufficient time to prepare your application thoroughly. Carefully consider your answers to the essay questions, elect your referees and prepare for the GMAT/GRE.
We operate a waitlist system and waitlist applicants receive regular updates at scheduled dates. Each year a number of waitlist candidates are successful in getting a place on the programme.
All decisions are communicated via email. We are not able to discuss a candidate's decision over the phone, or with anyone other than the applicant. We will contact you directly should any document or information be missing.
Offers are made throughout the year and the recommended dates below are a guide of when you can expect to hear from us. The deadline is determined by when your application is complete, not when it is submitted.
Please be advised that the Admissions Committee reserves the right to send decisions outside of these deadlines. In order to ensure flexibility in this process, decisions may be sent on a rolling basis at any point throughout the year, and we will aim to send you a decision within 6-8 weeks. Please note that interviews conducted by alumni may take longer to coordinate, and the scheduling of your interview will not affect the decision making process.
You must submit all required documents, including essays, GMAT/GRE, references and transcript(s) by the recommended deadline for you to be considered within that timeframe.
The recommended deadlines for the 2016 intake (MiM2017 class) are:
Application completed by
Interview shortlist decision no later than
Final admissions decision no later than
Additional information
06 Oct 2015
29 Oct 2015
19 Nov 2015
Masters in Management and Global MiM
03 Nov 2015
27 Nov 2015
17 Dec 2015
01 Dec 2015
See below
China January interviews
05 Jan 2016
29 Jan 2016
25 Feb 2016
Masters in Management and Global MiM
India February interviews
01 Mar 2016
25 Mar 2016
21 Apr 2016
03 May 2016
20 May 2016
16 Jun 2016
Masters in Management
21 Jun 2016
08 Jul 2016
04 Aug 2016
Late applications
Case-by-case basis
We apply the same selection throughout the admissions cycle but competition is often more intense later on in the cycle. If you require a visa to study in the UK or wish to be considered for a London Business School scholarship you are strongly encouraged to apply no later than the end of April 2016.
Allow yourself sufficient time to prepare your application thoroughly. Carefully consider your answers to the essay questions, select your referees and prepare for the GMAT/GRE. It is more important to apply with a complete application than to apply early with an incomplete application. It is the candidate's responsibility to ensure that their application is complete upon submission. The Admissions Committee reserves the right to make a final decision on any submitted application.
Please note that all decisions are communicated via email.
If you reside in or near China and India, please note that members of our Admissions Team will be visiting Mumbai, Delhi, Beijing and Shanghai in early 2016 to conduct candidate interviews, please see deadlines (for both Masters in Management and Global MiM) below:
Country/Interview period
Application complete by
Interview decision by
Admissions decision by
Beijing/ShanghaiJan 2016
01 Dec 2015
21 Dec 2015
12 Feb 2016
Mumbai/ New Delhi
Feb 2016
05 Jan 2016
21 Jan 2016
04 Mar 2016
Please note that a small number of candidates may be interviewed earlier as members of the team are making short trips to Mumbai, Bangalore and Shanghai in December 2015. Spaces are very limited and only applications submitted by the November deadline will be considered.
As we will have limited interview places available, we would advise you to not rush into an early application in order to meet these deadlines and to only consider them if your application is complete. Places are limited and once they have been filled, the remaining candidates invited to interview will be put on hold until the 2016 trips. This will not have any impact on your application status or final decision as the 2016 trips are part of our planned admissions calendar and will be when the majority of applicants from these regions are interviewed.
Join us at an event near you.
Practice the GMAT with London Business School's GMAT simulator and prepare yourself for the real thing.
"My experience on this programme was unparalleled in terms of expanding my skill set and contact list. My expectations were high and I reap the benefits every day."
Natasha Jain (Indian), MiM2010, Manager, KPMG
Masters in Management
Tel: +44 (0) 20 7000 7503Email: email@example.com
Follow us on social media
Become a fan of the Masters in Management page on Facebook or follow programme updates and admissions news on Twitter.


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List of All Game Reviews -
ordered by date
Tottoko Dungeon
—April 24, 2016— The Prince of the land is looking for a bride. But not just any bride. A bride who will be wearing the Legendary wedding dress last seen in the deepest darkest dungeon. Clearly such a quest is to find one kick butt wife and Umbrella is ready to leave her wicked stepmoth-- er I mean Aunty and prove that she is such a woman to take on such a crazy quest in this puzzle platformer for iOS and Android.
Icesters Trouble
—April 23, 2016— In Peter Achberger's physic puzzler Icesters Trouble these ice cubes jut want a normal life, sitting on the cold, frozen ground, and preferably not melting. While they are not the only inhabitants in their chilly world but to us they are the only ones that should matter.
Games Featured:Weekday Escape N°124 —April 20, 2016— This week on Weekday Escape! Vitamin Hana pulls off a butterfly garden on a budget. Esklavos proves that magic and the common cold probably don't mix. And a second dose of your daily Vitamin (Hana) drops you on a desert island once more.
- • Butterfly Garden
- • Rabbits and Magic
- • Escape the Island 2
Alice House 2 No.09: Alice's Dinner Party
—April 17, 2016— What kind of a dinner party is it if you don't use pictures of yourself for decorations? Find the five items bearing the image of Queen Alice to find a way out of this short and whimsical escape game from Funkyland.
- A Normal Lost Phone
—April 17, 2016— In this simple interactive narrative created for the Global Game Jam 2016, you find yourself fiddling with a phone, trying to figure out not only who it belonged to, but where they've gone. A few clever codes and puzzles serve to help you unlock new information as you dig through a life some may find hits too close to home.
- Whispered Secrets: Everburning Candle
—April 16, 2016— A supernatural fire rages out of control at the local asylum, but the staff may not be so innocent as they initially appear as you search throughout the fiery building to learn the truth behind the place. A creepy and downright gorgeous hidden-object adventure.
Tsure Game 6.3
—April 16, 2016— A freestanding sink with a leaky faucet greets you in this escape game from Lu-taru. Though it may be a little mystifying at first, determined repairmen will find clever puzzles await if you can find them.
Zombie Society - Death after Death 3/3
—April 16, 2016— Detective Zombie Margh is running short on time. With a list of missing people, a crazed lunatic ranting about "zombie aliens" and a brain shortage will the Detective be able to figure all of it out in time?
Able Black
—April 15, 2016— Deep beneath the earth, an android awaits a test that could determine whether he's ready to enter humanity... but what does humanity mean anyway? And what's the secret behind Ark 19? A short and sometimes unintuitive but engrossing story-driven puzzle experience for the iOS.
White Day
—April 15, 2016— A romantic gesture goes wrong when a young man gets trapped after hours in school trying to leave a present for a girl he likes. With the halls being stalked by more than one horror, escaping may be impossible in this remake of the cult classic adventure, now available for iOS and Android, with a Lite demo version as well.
Final Fantasy IX
—April 14, 2016— One of Square-Enix's most classic and beloved JRPGs comes home with a modern facelift, now available on Steam, Android, and iOS. Zidane and his theater troupe planned to kidnap the beautiful Princess Garnet, but he never expected her to WANT to be kidnapped, or for the fate of the world to be at stake...
Another Pretentious Game
—April 14, 2016— A simple but evocative (and maybe a little blunt) puzzle game about the games we play with the people we love from Keybol. Draw lines to connect the coloured dots while dancing around obstacles, using direction and momentum to get there.
Firefighter Escape
—April 14, 2016— Firefighters who let their place of work go up in flames are generally looked down upon, so if you don't want your career to burn out, you'll play this escape game from Pine Studio... also free for iOS and Android!
Games Featured:Weekday Escape N°123 —April 13, 2016— This week on your Weekday Escape! MayMay can't keep their footwear clean, and now it's your problem. Amajeto gets pink and green, but that's a good thing. And Detarame Factory is... well, SOMETHING weird is going on.
- • Spring Room Escape
- • Mis.Dramatic
- • Shoe Polished
Cube Escape: Theater
—April 11, 2016— Rusty Lake takes you to a theater of the mind in their latest entry in their beautiful but bizarre and unsettling escape series, as a very special performance is about to begin, and a myriad of puzzles await. Also free for iOS and Android!
- Bond Breaker 2.0
—April 11, 2016— Ever wanted to know what it's like to be a proton? Step right up and try this clever and entertaining educational puzzle game about physical chemistry. Find out more about cool things like lasers and fusion and how to make your own hydrogen atom! Learning doesn't get much more fun than this.
Absorbed 2
—April 8, 2016— Have gun, will travel, especially when that gun can absorb and spit out everything from zombies to TNT. A fun and bouncy platformer that gets appealingly chaotic, though one whose slippery movement and familiar elements could have used a little tweaking.
Monkey GO Happy Ninja Hunt 2
—April 8, 2016— Tiny ninjas keep popping up everywhere, and another mysterious puzzle box has appeared! Find the 30 mini monkey ninjas hidden in each stage of this point-and-click puzzle game from PencilKids to figure out how to unlock the final one once again!
The Storage Shed Escape
—April 6, 2016— Tesshi-e's Mr Y wants you to come over to see his newly remodeled shed, and that can only mean one thing... a new escape game to play! A deceptively tidy and rustic atmosphere conceal some cryptic clues in this satisfying collection of puzzles.
Games Featured:Weekday Escape N°122 —April 6, 2016— This week on your Weekday Escape! Sanpoman has you trapped, and they're a little prickly about it. Vitamin Hana may want to send you on a trip, but they're not making it easy. And Esklavos proves that it's dangerous to have children in an abstract fantasy setting.
- • Cactus Room
- • Train Station
- • The Witch and the Child
—April 5, 2016— Put a spring in your step by falling off the edges of things, because that's the only way you can jump in this puzzle-platformer. Though a bit of a one-trick pony, it's well crafted and packed with obstacles, and comes with a level editor to make your own. Also for iOS and Android!
Crazy Mom
—April 5, 2016— Make no mistake, fifteen years is a lot of time to be married, and Crazy Mom wants the party to pop! But to make this shindig memorable, she needs your help to gather a few things in this short and silly point-and-click adventure from Carmel Games.
The Case of Scary Shadows
—April 4, 2016— A bear's gotta eat, but when faced with shadows that mimic and dog your every step, how long will you last chasing after food in this simple but fast-paced high-score based arcade platformer?
—April 2, 2016— Robamimi serves up a challenge with this meaty escape game that traps you inside a maze that's packed with mystifying statuary and a whole lot of puzzles. You may want to keep a pen and paper ready if you plan on getting the best ending!
Quest For The Crown
—April 1, 2016— Quest for the Crown is not a breeze but a gale, racing down from the frigid peak of a mountain to blast you wide awake from your gaming funk and make you realise the brilliancy of the world you've been missing all along. And maybe — just maybe — change the way you look at the RPG genre forever.

subset: commoncrawl


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Create a rustic floor with basic tools.
When considering what material to use for a floor, few people look beyond a concrete slab, with something like tile or carpet as a finish. For us, however, there were several factors that made a stabilized compressed earth brick (SCEB) floor far more appealing, including cost, skill, and time required.
Photos: http://www.flickr.com/photos/velacreatio…
More Information: http://www.velacreations.com/cebfloors.h…
CUTTING BRICKS - No matter which pattern you decide to use, you will need some cut bricks. Try and work out roughly how many you will need for your starting edge and cut those ahead of time. The ones needed at the other end of your rows, you can do once the rest of the floor is laid. Cut the bricks using a circular saw with masonry blade. If you are not too particular about the edges of your cut bricks, it is far easier to break them instead of cutting.
FILLING CRACKS - Once all your bricks, including your edge bricks, are in place, sweep fine sand into the cracks. Allow the floor to settle a couple of days, and then sweep more sand into the cracks. Repeat this several times until the sand no longer settles.


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MSI has just announced a brand new graphics card to their gaming lineup. It is the R9 270X GAMINGRead more
Views 10
Here we are back with another graphics card review. Today we are taking a look at ASUS's R9 270X DRead more
Views 136
Several manufacturers prepare for the upcoming CES 2014 and it seems as if MSI has got its hands allRead more
Views 14
It seems as if the list of AMD Radeon add-in board partners has been growing at a constant pace andRead more
Views 10
A variant of the Radeon R9 270X Dual-X graphics card has recently been released by SAPPHIRE, with 4Read more
Views 10
Club 3D launched their '13Series graphics cards in March this year with the presentation of theRead more
Views 12
Many of the models of the Radeon R9 200 series graphics card have been modified into Battlefield 4Read more
Views 13
The R9 270X IceQX² Turbo Boost Clock 2GB GDDR5 has been announced by HIS and some of the detailsRead more
Views 36


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|Christeen F.
|Sent on:
|Friday, February 14, 2014 5:00 PM
Thank you for being part of the Tarot meetup - it is wonderful and fun to get to know you all and share Tarot with you.
We have ever-changing groups and you never know who will show up. (There are always RSVPed people who don't appear as well as surprise appearances by people who just show up.) I guide everyone through the spreads that I bring and am always amazed by how easily even complete Tarot beginners get something out of the cards. If you have particular questions or issues that you would like to know how to design a spread around, please let me know.
I am starting a 5 week class in Santa Rosa on Tuesday, February 18th (details under "Pages") or on my website (doorwaystarot.com). There are still spaces available. While the meetups are all about putting the cards to work, the classes are about learning the meanings of all of the cards. Let me know if the class is for you.
I recently mentioned the book Journeying the Sixties: a counterculture Tarot in a "Discussion", but if you missed it - visit the site to see all of the cards and read how they came about. Author and photographer William Cook Haigwood presents us with a Tarot deck that is real, alive and grappling with what matters. It's a one of a kind approach to the Tarot.
If I am repeating information you already had, please forgive me. When I post something as a "page" or "discussion" I never know if people find these posts.
Feel free to add your comments to anything that shows up. I would be very interested to know what you all think of Journeying the Sixties.
I look forward to seeing you at a meetup soon!
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


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Michelle Kennedy's ForecastUPDATED 7:08 PM EDT Sep 09, 2013
Things are heating up for this weeks forecast, Michelle Kennedy shows us the latest.
More Video
CommentsThe views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Wow this stock is on fire. I wonder why no postings on this message board. Anybody have any information or hypothesis on why CRR is moving up nicely in the last week?
This is not Apple or Google. This company makes very boring product and at the same time makes some good money. I like a company and a board like this. Let's try to keep it this way without stupid day trader and political posts.
There must be alot of drilling going on or is anticipated, but my question is why are the drilling companies lagging this. Wonder if a drilling company will likely acquire this.


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Your anti-Valentine's Day roundup in NJ
Not a fan of Valentine's Day? Here are some alternate ways you can spend the day.
Not a fan of Valentine's Day? Here are some alternate ways you can spend the day.
There's a city in New Jersey that is full of hipsters. As a matter of fact, there are more hipsters in this local than any other town in America.
Many friends of Dustin Friedland back in his old hometown of Toms River keep asking the question as they ponder his senseless gunshot death in a shopping mall parking garage Sunday night.
In a picture that could only be compared to something you would see in a movie, water surges through the closed doors of the Hoboken subway station.
Few would argue that the spray-tanned, streaked exploits of Snooki, The Situation and the rest of the 'Jersey Shore' gang have been good for New Jersey's already mixed reputation.


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jobs near Arlington, VA
Refine your searchClear Filters
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Naval/Marine Logistics Integration Management Task Lead
Paragon Technology Group, INC. - Arlington, VA
Lean Six Sigma certification is desired. Active Interim Secret Clearance with the ability and intention of obtaining a Secret Clearance....
Human Resources Consultant
Helios HR - Reston, VA
A Bachelor or Master's degree in an HR related field preferred. PHR, SPHR, GPHR, SHRM-CP, or SHRM-SCP certification is preferred;...
Mortgage Loan Officer
Aurora Financial - Vienna, VA
Required license or certification:. Valid STATE NMLS licenses. Live In-Bound Calls, No selling or negotiating required. Telephone sales experience required....
Mortgage Underwriter
Aurora Financial - Vienna, VA
Calculate income, debt to income, loan to value and review appraisals. Evaluate credit packages and collateral for residential mortgage loans to ensure an...
Federal - IT Audit Specialist
Accenture - Arlington, VA
All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status,...
Retail Supervisor-In-Training - Tysons Corner
UNIQLO - Tysons Corner, VA
As an Equal Opportunity Employer, Fast Retailing does not discriminate against applicants or employees because of race, color, creed, religion, sex, national...
High School English Teacher SY 2016/2017
Paul Public Charter School - Washington, DC
Use an inquiry-based model of teaching that enables students to actively manipulate ideas in order to construct knowledge, solve problems, and develop their own...
Accounts Payable Specialist
Preferred Systems Solutions - McLean, VA
Assigning general ledger codes, verifying invoices, matching invoices to purchase orders, cutting checks, and filing....
Mortgage Operations
CityWorth Mortgage - Fairfax, VA
Work hard, play hard environment. We are looking for a group of Hungry young professionals who want to participate in an organization that rewards its producers...
Federal - Visual Designer/Illustrator++
Accenture - Arlington, VA
Bachelor of Arts in Graphic Design or related field. High capacity for design thinking, along with a general understanding of and appreciation for experience...


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Dolores C Ottwell
Murrells Inlet, SC
Also Known As
Get Background Check on Dolores
Dolores C Ottwell
Dolores L Ottwell
Lola C Ottwell
Dolores C Ottwell is in her 80's
Dolores Has Lived In
Murrells Inlet, SC
Pensacola, FL
Gulf Breeze, FL
Dolores's Relatives
Dolores C Ottwell
Zodiac SignAquarius
Additional Infomation on Dolores C Ottwell
Dolores C Ottwell's Contact Information
Known Cities Lived In
Find out where Dolores C Ottwell has lived as well as Dolores C Ottwell's phone numbers and email addresses.
Dolores C Ottwell Has Lived in 2 States
South Carolina Address for Dolores C Ottwell
181 Sxxxxxx Dx
Murrells Inlet SC
Murrells Inlet SC
Has Lived InGet Full Address Report
Murrells Inlet, SC
Pensacola, FL
Phone Numbers Associated with Dolores C Ottwell
Get Full Phone Report
(843) ***-**** - Bethune, SC
(843) ***-**** - Bethune, SC
(850) ***-**** - Lee, FL
Email Address Associated with Dolores C Ottwell
Get Email Report
All trademarks, product names, company names or logos on this page are the property of their respective owners.
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Quiet Apartment in the Court Yard
Størrelse45 m²
- Kjøkken
- Familie / Barne vennlig
- Husdyr er tillatt
- Håndklær
- Internett/WiFi
- Barneseng
|Wiener Straße, 10999 Berlin, Tyskland
|Eiendoms ID
|Innen noen få timer
|Kalender oppdatert
|2 dager siden
Six people can enjoy a comfortable night's sleep using the double bed and 2 sets of bunk beds placed in the airy living room. A sofa and dining table are also featured here. Delicious meals can be prepared using the equipped kitchen.
Those looking to experience Kreuzberg's bustling nightlife can head to the areas of Mehringdamm, Bergmannstraße Street and Oranienstraße Street. Enjoy some time chilling out in the area by walking for 5 minutes to popular, or by taking the bus to lovely Viktoriapark.
Take a stroll through the surrounding streets to discover a multicultural flair and alternative subculture.
The neighbors are very happy when it's quiet in the yard from 22 clock.
Smoking is not allowed in the guesthouse. You can smoke in the backyard.
Wifi is free. PLEASE NOTE: Germany is very strict chasing people who download content illegally and apply heavy fines. Please don't! We would like to keep the internet open for our guests.
|Pris for >3 gjester
|118 NOK pr. gjest/natt ekstra
|Innsjekking etter
|Check-in før
|Etter avtale
|Utsjekking før
We had a great stay in Berlin.
The room was nice, though very cold at night. We were suprices to lern that we had to share bathroom with another guest,
wich we vere not informed beforhand.
But very nice and helpfull people and the place was clean. The area is great, especially along the river with the turkish marked and all the cafés and restaurents.
Super friendly, service minded and professional hosts that helped us with whatever we needed. I can only recommend staying at Wienerstrasse 14 with a group of friends.
Perfect for a trip with some friends
Nice location and sweet price!
Very good place for a group of friends
I stayed here with four friends and everything was great. The location was pretty handy and close to all the important stuff. The area had a mixed atmosphere; sometimes it was quite lively and others it was quiet. Our room was clean and tidy, but we had to bring our own towels. The host was friendly and we had everything we needed, including internet. Nothing negative to say!
I had a great stay!
The apartment was really nice and clean and I strongly recomend this apartment.
Very nice contact. Ivos wrote back within minutes.
The room was nice and clean.
The location of the house is right in the middle of kreutzberg. Everything is reachable very good.
we had a great stay in this location. it's really near to underground station so you are movable!
I had a really nice stay - thank you
Very nice people and also well located (in the center). Perfect for a city trip.
- Kvalitetssikret innkvartering
- Hver vert er verifisert via telefon
- Sikker betaling med SSL-kryptering


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- Product Dimensions: 34 x 22.1 x 7.4 cm ; 780 g
- Shipping Weight: 780 g
- Item model number: ADMPF108F
- Date first available at Amazon.ca: July 16 2009
- Average Customer Review: 77 customer reviews
- Amazon Bestsellers Rank: #12,223 in Electronics (See Top 100 in Electronics)
Compare Offers on Amazon
+ Free Shipping
+ CDN$ 5.76 shipping
+ Free Shipping
Aluratek ADMPF108F Digital Frame with 512 MB Built-In Memory (Black)
|CDN$ 64.99 & FREE Shipping. Details
- 8-Inch Digital Picture Frame
- 800x600 Digital Panel Resolution
- 512 MB Built In Memory
- Supports Photo's, Music, Videos
- Random Slideshow Effects
Frequently Bought Together
Customers Who Bought This Item Also Bought
Product Details
Would you like to give feedback on images or tell us about a lower price?
Product Description
Amazon.ca Product Description
The ADMPF108F by Aluratek boasts a true digital 8-Inch panel for stunning picture quality and resolution. Simply insert your camera's memory card and the "auto slideshow" feature does the rest. There is also 512MB's built in memory which will allow you to connect the included USB cable to your computer and you can transfer hundreds of your favorite pictures, MP3 Music files or Videos to the frame. No configuring or programming necessary to enjoy great quality pictures with brilliant slideshows and your favorite background music with the robust sounding built in speakers.
From the Manufacturer
What separates Aluratek digital photo frames from other brands is picture quality, ease of use, and affordability. You cannot get a better quality image or video than what Aluratek frames deliver, thanks to the best quality "true digital" LCD panels that are available on the market for production. Combined with an easy-to-use interface, wide format support, and the simplicity of automatic playback, Aluratek digital photo frames are the best choice for storage and playback of your important memories.
View hi-resolution pictures, listen to music and watch videos easily on the TFT true color LCD panels at amazing resolutions. Most Aluratek frames come with built-in flash memory ranging from 256MB to 2GB. Transfer files quickly and easily to the on board memory with USB 2.0, or easily insert a compatible memory card directly to the memory card slot on the frame. With Aluratek's digital photo frames, you can share all your digital pictures, videos, and music files with family, friends, and coworkers.
True Digital LCD Panels for Clearer Pictures
What does it mean to use a true digital LCD panel in an Aluratek digital frame? It means that all of your pictures or videos will be noticeably clearer and much crisper than others that have decided to use analog panels as cost-cutting measures. The advantage of utilizing digital panels over analog panels is very similar to the difference in watching HDTV (High Definition Television) instead of standard definition TV. It makes a big difference to watch in crisp clear HD as all the vibrant colors and intricate details will be noticeably better.
Easily Enjoy Slideshows
Aluratek frames will play in slideshow mode once they are powered on, or a memory card is inserted. If you have any music files loaded onto the frame or loaded onto your SD card, they will also begin to play during your slideshow viewing.
Aluratek photo frames recognize a wide number of photo, audio, and video formats automatically, and you can add photos via USB, memory card, or thumb drive. Playback is as simple as turning the frame on.
Ultimate User Friendliness
In addition to high build quality, Aluratek has also answered the call when it comes to affordability and ease of use. With the non-technical consumer in mind, Aluratek has designed and developed the User Interface software to be as user friendly as possible. Even if you're giving a digital photo frame as a gift item, you can rest assured that anyone can comfortably use an Aluratek digital photo frame.
What's in the Box
Aluratek 8" Digital Photo Frame with 512MB memory, remote control, USB 2.0 cable, power adapter, instructional manual, warranty/registration card.
Which Aluratek Digital Photo Frame is Right for You?
|19" Digital Photo Frame
|15" Digital Photo Frame
|14" Digital Photo Frame
|12" Digital Photo Frame
|8" Digital Photo Frame
|8" Digital Photo Frame
|7" Digital Photo Frame
|Model Number
|2GB Built-in Flash Memory
|2GB Built-in Flash Memory
|512 MB Built-in Flash Memory
|512MB Built-in Flash Memory
|512MB Built-in Flash Memory
|1440 x 900
|1024 x 768
|1366 x 768
|800 x 600
|800 x 600
|800 x 600
|480 x 234
|Photos/ Video/ Music
|Photos/ Video/ Music
|Photos/ Video/ Music
|Photos/ Video/ Music
|Photos/ Video/ Music
|Memory Card
|Dimensions & Weight
|20.5" x 3" x 14.5"
15 lbs
|16.375" x 2.5" x 13.375"
6.5 lbs
|16" x 12" x 2.6"
2.5 lbs
|11.5" x 3.2" x 9.25"
2.5 lbs
|8.5" x 1" x 7"
1.1 lbs
|8.5" x 1" x 7"
1.1 lbs
|8" x 0.875" x 5.375"
0.8 lbs
|Connect USB Hard Drive / Thumb Drive
|Built-in Clock and Calendar
|High Speed Transfers via USB 2.0
|Remote Control Included
|Auto Video Play Upon Power On
|Setup Slideshows with Background Music
|Wall Mountable
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Customer Reviews
Top Customer Reviews
All in all, even after wasting many hrs loading it I am quite happy with it. Picture quality is good as is the music. My only real complaint would be better instructions with this item.
I've now ordered 1 for myself as well.
In short, I'm purchasing more for the proud grandparents to display all the pictures!
Pros: The display is excellent. It has quite a few functions, from playing Videos and MP3s to a calendar/time feature with alarm clock (and of course, photos). It even displays e-books, although I doubt if most folks out there will ever use that feature. Like many other similar frames, it is USB and SD/SDHC capability. And the frame is pretty good-looking as well - the slim black look will pretty much fit any room.
Cons: The remote controller could improve. It requires proper alignment to wherever the sensor is on the device (yet to figure out), and required repeated button-press several times. The instruction manual/guide is pretty much useless since it does not actually mention how to use all of the features. Moreover, Aluratek's website does not even list this manual as a PDF. The copy feature did not impress me either (nor does the manual explain how to copy files from your memory stick/card to the device). But I don't think you can copy an entire folder, only individual files. So if I have 50 favourite pictures, then that's a lot of button-pushing.
Other comments: This product is not meant as an MP3 player. It is great for pictures and (family/casual) videos. Also great as a digital time-piece. I would recommend this product for general use, nothing extraordinarily fancy.
Most recent customer reviews
Pictures are clear but the stand that keeps it up breaks easily.Published 22 days ago by Amazon Customer
doesn't have as much functionality as we expected - always starts in the same place and we can't put it on shufflePublished 1 month ago by Jill Grant
Good enough photo quality, but feels cheap and does not rotate the pictures automatically like it says it's supposed to doPublished 2 months ago by Anouk D.
Stopped working within 06 months. Makes humming noise whenever trying to turn it on. No display at all just black screen. Very bad product.Published 3 months ago by Vishal
The product stopped working, suddenly, after three months... :-(Published 3 months ago by Calgary NW
Absolute garbage. DO NOT BUY. Lasted three months until it stopped working screen went black and wont turn on now.Published 3 months ago by Amazon Customer
Belle définition, fonctionne super bien, ma mère était enchanté de son cadeau qui lui permet de rester en contact régulier avec ces petits... Read morePublished 3 months ago by Alain


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Research Spotlight: Using compensation models to incentivize low-risk banking
William C. Handorf, professor of finance, recently published the article, "Bank Risk Management, Regulation and CEO Compensation after the Panic of 2008″ (advance, on-line) in the Journal of Banking Regulation. Banking law and regulation have prescribed new rules applicable to executive…Read More
Sports Philanthropy Certificate
The First of It's Kind The Certificate in Sports Philanthropy offers a ground-breaking curriculum tailored to the unique needs of those who work for professional sports teams, leagues, athlete foundations, sport-related companies with an emphasis on corporate social responsibility, and…Read More
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The book Information Technology for Small Business: Managing the Digital Enterprise (Springer, 2012) by Ayman El Tarabishy, associate teaching professor in the Department of Management, received the "Bright Idea Award" sponsored by the Stillman School of Business at Seton Hall University and the New Jersey…Read More
Celebrated Prof. of Business Administration, Dr. Ki-Chan Kim, Joins Dept. of Management as Visiting Scholar
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About the Department of Management at The George Washington University School of Business...Learn More
The GW School of Business' Department of Management hosts scholars and professors researching a variety of topics.Learn More
The Department of Management at The George Washington University School of Business hosts a wide variety of academic curricula...Learn More
The Department of Management is seriously devoted to knowledge creation as a primary mission of the professoriate...Learn More
Marketing Makes A World of DifferenceSalah S. Hassan, professor of marketing, congratulates Josefina Urzaiz, entrepreneur, co-founder and owner of Hammock Boutique, an innovative business based…
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FORT WORTH, Texas -- Greg Biffle, a sought-after Sprint Cup star in a contract year, doesn't foresee the recently announced No. 33 Richard Childress Racing Chevrolet as an option for his future.
Biffle, who last week said he was "90 percent" sure he would sign a contract extension with his current team, Roush Fenway Racing, for 2009 and beyond, cited the fickle nature of the top-35 rule as a key deterrent from considering Childress' fourth car.
"I don't really see that being an alternative for me," Biffle said. "The one thing a guy's got to look at is, I'm third in points [now] and have a chance to make the Chase right now, and I'm running fairly well.
"And to go to a team that has no points and try to qualify for the Daytona 500, and go to Las Vegas and try to qualify, and California, on time, and dodge rainouts -- we see all these teams struggle to get in the top 35. I don't see that as a smart career move for myself."
Per NASCAR rules, teams ranked among the top 35 in NASCAR owner's points are guaranteed a position in the race. Those outside that threshold must qualify via time trials.
Not that a Childress ride isn't enticing, mind you. RCR drivers Jeff Burton, Kevin Harvick and Clint Bowyer are ranked first, second and 12th, respectively.
"Is Childress a good organization, great cars, great people? Sure. They have that," Biffle said. "You could say the same about Gibbs or any of the other teams. Simply, going from third in points, or whatever you are at end of season, to not being locked in... If you miss two races you have to qualify [into races] the whole season. Engine blows up, didn't make the Daytona 500, and it rains out at California and you didn't get in. That scenario happened this year.
"[If] it happens again you're trying to climb out of a hole the entire season, and if you're a Chase-caliber driver, and you find yourself in a bad situation. Those are things to consider when you're in my situation -- is that something I'd be willing to do, walk that tight rope on?"
Garage scuttlebutt names Bobby Labonte as a lead candidate for the fourth Childress car. His current sponsor at Petty Enterprises, General Mills, will sponsor the No. 33 Chevrolet.
Marty Smith is a contributor to ESPN's NASCAR coverage. He can be reached at firstname.lastname@example.com.


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Reviews of Dolomite Camp
They do not necessarily represent the views of Expert Africa.
On the rocks - literally!
Contrary to the title I have used this is an unusual and exciting location on a large rock outcrop in the westernmost part of Etosha Pan National Park.
The rocks under our wooden framed chalet tent were inhabited by cute hyraxes (dassies) who emerge early in the morning to sun themselves. There is a wonderful view from the balcony of the park and one evening we watched a rhino strolling past and saw loads of more common species browsing only a couple of hundred metres away. There is a steep climb from the car park but a small buggy carries baggage (and passengers) up the steep track.
This part of Etosha is surprisingly empty of people - we drove 120km on our first morning around the park and only met two other vehicles but saw very many animals.
The facilities are excellent but we would rate the food as "good" and the waitresses need better training.
Dolomite Camp review
A classier camp than Okaukuejo for quality and service, almost achieving privately-owned standards.
Its hill-top location, gives great views over the plains on either sides, but requires dexterous buggy driving to get luggage to the spread-out tents. A slightly bizarre arrangement from a practical point of view, not ideal for anyone whose ability to walk is compromised. To be fair I was only there one night.
Dolomite Camp review
One of our favorite places - well worth booking the luxury chalet. The whole place is on a limestone ridge and we had views over the savanna right out to the horizon from our balcony.
The room was large and comfortable with a big patio with sunbeds and a private plunge pool. The camp is unfenced so you are escorted back to the chalet after dinner for safety reasons. Wildlife was all around from dassies on the rocks to lions doing a walk-past below our balcony at dusk. Couldn't have the patio doors open on the second night due to baboon colony camped on the rocks just outside. You could sit on our balcony and watch the comings and goings all day if you wanted.
The facilities are excellent but the staff, though friendly, are overstretched and the organisation could be better. Importantly the place gives access to the waterholes in the West of Etosha which is less frequently visited.
No game drives available as car in for service. Wouldn't happen in the private sector.
Lengthy power cuts. Inter-room phones out of order.
Food dire (although 'light lunch' was fine)
Dolomite Camp review
Started badly waited over twenty minutes to be picked up from parking area, even though they had been contacted.
No welcome simply fill in these forms.
Moved our chalet, no consultation, new chalet poor, light cord had broken, toilet door catch did not work, ventilation panels unable to work as zips had stuck.
Reception staff more interested in carrying on their conversation on their mobile phone than dealing with customers.
Shame great location.
Dolomite Camp review
ExcellentRead more about the whole safari
Elephants as small as ants!
Not that easy to find unless we just missed a road sign - we came upon the waterhole first and spent a long time watching giraffe, zebra, oryx, warthog and elephant - and a few ostrich- looking up we could see the buidings blending into the dolomite hill behind - a splendid location - and next time(!) we will spend two nights here.
Our road here was the less travelled one -- at one point we had to weave among springbok and zebra just sitting and standing on the gravel road as if no cars had been passed in a long while.
Not a place for those afraid of heights but the view from our room really did make distant elephants look like ants.
Meal times were a bit weird with long waits while food came from the kitchen to one of the two dining rooms.
Lovely camp in quiet part of the park
Great location, built on a ridge with rooms stetted along its length and not fenced in - buggy transfer provided after dark.
Wonderful view across the plain from the room and the bar and a nearby waterhole which was visible from the camp but only by walking a bit further than the paved track. Not to be done after dark!
Friendly service although not always efficient- e.g. there didn't seem to be a way of alerting reception of arrival at the car park at the bottom of the hill - we were lucky that a vehicle was already transporting someone else but we saw someone else left for about 15 minutes even after we told reception about it.
Good food and good value wine.
Good game viewing at the waterholes. Some of the game were quite inquisitive possibly because they were not as habituated to vehicles as in other parts of the park as access is mainly for people staying at Dolomite. This part wasn't open when we last visited so it was good to be allowed in. A fun experience
Dolomite Camp review
Our first visit to the now opened West side of the park via the Galton gate. The Dolomite camp is stunningly situated on the side of a crest with great views over Etosha.
The problem with the camp is that you are totally reliant on a golf buggy to get around the site as some of the climbs if you are elderly are just too much in the heat and as the camp was full, you spent a lot of time waiting for transport.
As it was fairly dry the game was concentrated around the water holes with especially good viewing at Renostervlei , Rateldraf and Arendsnes.
fabulous position but watch out for oryx!
A fairly long drive to the western end of the Park with some stop-offs along the way brought us to Dolomite. Situated in a pass it has a dramatic position. The deal is that you leave your vehicle in a car park with covered bays, at the foot of a rocky ridge and are ferried up to reception. Because of bookings, we were only able to stay one night here and would suggest that future visitors should try to get at least two nights.
We also ended up in a hut at the far end of the ridge, away from the reception/bar/pool etc. This had a small 'plunge' pool on the deck but more importantly for us, it over-looked a water hole and as we were looking out over the bush about 5 minutes after arrival, a herd of around a dozen elephants crossed below us, on the way to water. As always the staff were great but there was a slightly confusing set-up, with two huts where meals were served, for no reason other than fitting everyone in as far as we could tell. But possibly because of a shortage of staff in the quiet season, there was some delay in getting served and getting a drink - nothing serious but given the status of Dolomite as a jewel in the crown camp, it needs looking at.
When we got a buggy down to the car park the next morning, there was some excitement and when when we got to our car we found that some roaming oryx had wandered through the car park overnight, and seemingly attracted by reflections from moonlight on the cars, had butted them. We had just one dent, but a large 4x4 from South Africa had some serious dents along one side. We took photos and gathered names etc for possible insurance claims. Then we set off to leave Etosha by the Galton Gate. Strictly speaking we had exceeded our time in the park by a few hours but the gate staff assured us that this was not a problem.


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Articles tagged bug
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"To celebrate the 50th anniversary of the hit franchise, PopMatters seeks submissions about Star Trek, including: the TV series, from The Original Series (TOS) to the highly anticipated 2017 new installment; the films, both the originals and the J.J. Abrams reboot; and ancillary materials such as novelizations, comic books, videogames, etc.READ the article


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Few expected Hurricane Uncertainty to wallop financial markets last month, after U.S. stocks had risen 23% from Labor Day 2010 to July. Yet, as worries intensified in August over the possibility of a second U.S. recession and worsening debt problems both here and in Europe, the Standard & Poor's 500 fell nearly 18% -- almost enough to land the popular benchmark in bear-market territory.
Although the S&P has since come back from the brink -- the index closed Friday at 1174, up 5% from its Aug. 8 low -- the rally is fragile and investor confidence shaken. But many Wall Street strategists and money managers still are bullish about the outlook for stocks, and expect the S&P and its fellow market measures to head higher from here.
Barron's recently asked 15 investment strategists at brokerages and money-management firms to forecast the S&P's level at year end. The average of their expectations is about 1300, 11% higher than the market's current level and just 3.7% below their mean view before the August selloff.
Although Europe's sovereign-debt woes and concerns about China's growth are weighing on investors, the battle between the bulls and bears most likely will center this fall on the U.S. economy -- specifically, whether it continues to expand or "double dips" into another recession. Worries about a recession were exacerbated last month when the government lowered its estimate of second-quarter growth in gross domestic product to an annualized 1% from a prior estimate of 1.3%. Friday the market took another tumble after the Labor Department reported no new job growth in August, the worst report in 11 months.
IF, AS THE BULLS EXPECT, economic data stabilize and then improve instead of worsening, "the removal of double-dip fears takes us well into the 1250-1350 range" on the S&P 500, says Barry Knapp, head of U.S. equity portfolio strategy at Barclays Capital. Given the severity of the market's August decline, a reversal in sentiment could presage a fast and strong fourth-quarter rise for stocks, he says. Besides, after its latest bruising, the market is a lot less expensive than it used to be.
"Investors have been working in the shadow of extreme uncertainty…and the market is pricing in more than a recession," says David Kelly, chief market strategist at JPMorgan Funds.
Yet Kelly, who is bullish, notes that July data on manufacturing, retail sales and leading economic indicators all showed improvement over June's numbers, suggesting the economy isn't on the verge of another dip. He is looking for GDP growth of 2.1% in this year's second half, and an increase of 2.6% in 2012.
"The stock market is an engine flooded with liquidity but without a spark," Kelly says. When the "risk on" trade returns, consumer discretionary, technology and other growth-oriented sectors will do best, he adds.
John Praveen, chief investment strategist at Prudential International Investment Advisers, predicts fears of a double dip will ease in the next few months. He expects the economy to grow by 2.9% in the second half of 2011, and by 2.3% next year. "We're looking for a bounce [in stocks] once people get confidence in those numbers," he says.
Michael Ryan, who has the same post at UBS Wealth Management Americas, sees "sloppy and choppy" trading, however, as investors sort through conflicting economic data. He expects the S&P to end the year at 1225. Ryan, who favors consumer staples and technology shares, thinks analysts' earnings estimates probably are too high. But "earnings aren't going to collapse," he says.
SHOULD THE STREET'S BULLS BE WRONG about the economy, the market could fall to 1000 or below, depending on the severity of the next recession. The few bears in our latest survey point to other disturbing statistics, such as the Philadelphia Federal Reserve's index of manufacturing activity, which dropped last month to its lowest reading since March 2009. The bears also worry about contagion from a potential European banking crisis; the possibility that both political parties won't agree on further deficit- and debt-reduction measures this fall, and the lack of jobs growth.
But few strategists, whether bull or bear, expect the Federal Reserve to take another bold step to stimulate the economy.
Among the bears, Douglas Cliggott, U.S. equity strategist at Credit Suisse, recently downgraded his year-end S&P target to 1100 from 1275, and his 2012 earnings forecast to $81 from $95. In recent weeks, he says, there has been a "stunning" deceleration in consumer confidence, which means consumers will be saving more and spending less.
Cliggott expects the slowdown to be met with fiscal tightening in the U.S., instead of monetary or fiscal easing, which typically have occurred during recessions. The props supporting earnings growth -- rising GDP, lower unit labor costs and a weaker dollar -- now have turned against higher S&P profits, he says.
Nor do technical signals support a higher market, says Jason DeSena Trennert, chief investment strategist at Strategas, who leans to the bear camp. The major indexes' moving averages have broken down, and shares of stocks closely tied to the direction of the economy, such as Advanced Micro Devices AMD 0.5865102639296188% Advanced Micro Devices Inc. U.S.: Nasdaq USD6.86 0.04 0.5865102639296188% /Date(1469826000478-0500)/ Volume (Delayed 15m) : 22376336 AFTER HOURS USD6.85 -0.01 -0.1457725947521866% Volume (Delayed 15m) : 204202 P/E Ratio N/A Market Cap 5425705583.34392 Dividend Yield N/A Rev. per Employee 426154 More quote details and news » (ticker: AMD) and Sprint Nextel S 2.3333333333333335% Sprint Corp. U.S.: NYSE USD6.14 0.14 2.3333333333333335% /Date(1469826243687-0500)/ Volume (Delayed 15m) : 23513096 AFTER HOURS USD6.14 % Volume (Delayed 15m) : 417669 P/E Ratio N/A Market Cap 23847552246.0938 Dividend Yield N/A Rev. per Employee 1072170 More quote details and news » (S), have underperformed the S&P 500 sharply, he says. Trennert sees a difficult environment for economic expansion and a "35% probability" of a recession next year. "Nothing is happening that makes me bullish on the economy," he declares.
Trennert favors biotechnology, personal-products and utilities shares, such as Amgen AMGN 0.43787949556282113% Amgen Inc. U.S.: Nasdaq USD172.03 0.75 0.43787949556282113% /Date(1469826000281-0500)/ Volume (Delayed 15m) : 2904563 AFTER HOURS USD172.4 0.37 0.2150787653316282% Volume (Delayed 15m) : 217031 P/E Ratio 17.58997955010225 Market Cap 128668443414.042 Dividend Yield 2.3251758414230075% Rev. per Employee 1245360 More quote details and news » (AMGN), Clorox clx 0.18344416418252693% Clorox Co. U.S.: NYSE USD131.07 0.24 0.18344416418252693% /Date(1469826088015-0500)/ Volume (Delayed 15m) : 948623 AFTER HOURS USD131.068 -0.002 -0.0015259021896696422% Volume (Delayed 15m) : 24554 P/E Ratio 25.549707602339183 Market Cap 16952594267.3218 Dividend Yield 2.4414435034714277% Rev. per Employee 742597 More quote details and news » (CLX), Colgate-Palmolive CL 1.6109215017064846% Colgate-Palmolive Co. U.S.: NYSE USD74.43 1.18 1.6109215017064846% /Date(1469826090688-0500)/ Volume (Delayed 15m) : 3933882 AFTER HOURS USD74.428 -0.002 -0.002687088539567379% Volume (Delayed 15m) : 525900 P/E Ratio 48.019354838709674 Market Cap 65301860855.1025 Dividend Yield 2.0959290608625554% Rev. per Employee 409103 More quote details and news » (CL) and Consolidated Edison ED 0.25037556334501754% Consolidated Edison Inc. U.S.: NYSE USD80.08 0.2 0.25037556334501754% /Date(1469826330932-0500)/ Volume (Delayed 15m) : 2256640 AFTER HOURS USD78.86 -1.22 -1.5234765234765235% Volume (Delayed 15m) : 81884 P/E Ratio 20.854166666666668 Market Cap 24251427461.2549 Dividend Yield 3.346653346653347% Rev. per Employee 817709 More quote details and news » (ED). He also thinks large-cap tech stocks such as IBM IBM -0.4647704034207102% International Business Machines Corp. U.S.: NYSE USD160.62 -0.75 -0.4647704034207102% /Date(1469826243434-0500)/ Volume (Delayed 15m) : 3262068 AFTER HOURS USD160.62 % Volume (Delayed 15m) : 285478 P/E Ratio 12.994094328937788 Market Cap 154244540667.266 Dividend Yield 3.486489851824181% Rev. per Employee 212467 More quote details and news » (IBM) and Microsoft MSFT 0.8361501512186443% Microsoft Corp. U.S.: Nasdaq USD56.68 0.47 0.8361501512186443% /Date(1469826000318-0500)/ Volume (Delayed 15m) : 28904547 AFTER HOURS USD56.69 0.01 0.017642907551164433% Volume (Delayed 15m) : 1654171 P/E Ratio 27.648780487804878 Market Cap 438887672851.562 Dividend Yield 2.5405786873676783% Rev. per Employee 723051 More quote details and news » (MSFT) will do well in an economy with little if any growth.
THE S&P 500 ENTERED THE YEAR with a price/earnings ratio of 14 to 15, based on strategists' earnings estimates for 2011. Now stocks trade for 13 times this year's consensus estimate of about $90, and just 11.5 times the $102 that S&P companies are expected to earn on a per-share basis in 2012. There is room for multiples to expand, especially as investors gain confidence in the economy's health, says Prudential's Praveen. He recommends buying health-care, consumer-staples, consumer-discretionary, industrial and technology stocks, and avoiding financial, materials and energy shares.
Investors need to put P/E multiples in context, says Binky Chadha, chief U.S. equities strategist at Deutsche Bank. For example, the S&P 500 is trading at 12 times earnings for the trailing 12 months ended June. This "almost exactly" matches the market's multiple of trailing earnings in March 2009, at the bottom of the bear market. "It was a much worse economic picture then…so the market is pricing in quite a lot [of bad news]," he says.
Chadha has a year-end S&P target of 1425, and thinks fair value for the market is 16 times trailing 12-month earnings. If a recession doesn't materialize, the multiple slowly will revert to fair value, he says.
Other metrics also suggest that equity valuations are comparatively low. David Kostin, Goldman Sachs' chief U.S. equity strategist, notes that when return on equity is 17%, the S&P historically has traded for 2.3 times book value. Its current book value of $611 is consistent with a price of 1400. Moreover, the S&P's current dividend yield, 2.2%, is above the 10-year Treasury bond yield, as it was in the teeth of August's panic. This traditionally has meant stocks are undervalued relative to bonds.
David Bianco, chief U.S. strategist at Bank of America Merrill Lynch, says stocks possess some of the most undemanding dividend metrics in a long time. The S&P non-financials hold $1.1 trillion in cash, equal to 12% of their market capitalization. Given today's low interest rates, he argues, companies could better maximize shareholder value by issuing long-term debt to buy back stock or increase dividends.
Another bullish sign is that the S&P's earnings yield -- the inverse of the price/earnings ratio -- now exceeds the average yield on investment-grade corporate bonds by extreme levels that in the past have been followed by stock-market outperformance, according to a recent JPMorgan report.
The equity-risk premium relative to bonds will be reduced as clarity emerges on the economy, says Goldman's Kostin, who expects to see the market's P/E rise to 13 to 14 times forward earnings within the next 12 months. Kostin advises investors to seek companies with high returns on equity, good dividend growth and exposure to emerging markets, such as ExxonMobil XOM -1.3858093126385809% Exxon Mobil Corp. U.S.: NYSE USD88.95 -1.25 -1.3858093126385809% /Date(1469826024457-0500)/ Volume (Delayed 15m) : 23283377 AFTER HOURS USD89.04 0.09 0.10118043844856661% Volume (Delayed 15m) : 644721 P/E Ratio 28.60128617363344 Market Cap 374024285099.454 Dividend Yield 3.372681281618887% Rev. per Employee 2908360 More quote details and news » (XOM), Occidental Petroleum OXY 1.109457448247869% Occidental Petroleum Corp. U.S.: NYSE USD74.73 0.82 1.109457448247869% /Date(1469826264087-0500)/ Volume (Delayed 15m) : 3155825 AFTER HOURS USD74.4 -0.33 -0.44158972300281013% Volume (Delayed 15m) : 54900 P/E Ratio N/A Market Cap 56448102163.9686 Dividend Yield 4.0679780543289175% Rev. per Employee 1045140 More quote details and news » (OXY), railroad operator CSX CSX -0.07054673721340388% CSX Corp. U.S.: Nasdaq USD28.33 -0.02 -0.07054673721340388% /Date(1469826000319-0500)/ Volume (Delayed 15m) : 3865947 AFTER HOURS USD28.328 -0.002 -0.0070596540769502295% Volume (Delayed 15m) : 94593 P/E Ratio 15.396739130434783 Market Cap 26818845999.905 Dividend Yield 2.5414754677020825% Rev. per Employee 380759 More quote details and news » (CSX) and Eaton ETN -0.9373535385096079% Eaton Corp. PLC U.S.: NYSE USD63.41 -0.6 -0.9373535385096079% /Date(1469826143078-0500)/ Volume (Delayed 15m) : 2994599 AFTER HOURS USD63.41 % Volume (Delayed 15m) : 163266 P/E Ratio 15.353510895883778 Market Cap 29316580978.3936 Dividend Yield 2.3970982494874624% Rev. per Employee 210773 More quote details and news » (ETN).
P/E MULTIPLES ARE ONLY AS VALID, of course, as the earnings estimates that support them. And corporate earnings are the topic about which the Street's bulls and bears most disagree. The bulls see earnings rising on continued economic expansion. As Deutsche Bank's Chadha notes, corporate profits rose 17% to 18% in the first half, while GDP growth was only 0.7%. Companies have boosted earnings through cost cuts, and many S&P components generate a substantial portion of revenue in the faster-growing overseas market.
On the bears' side of the aisle, Credit Suisse's Cliggott, as noted, sees earnings of $81 next year, down from his 2011 estimate of $96. The prospective drop is consistent with his forecast for diminished GDP growth, a stable or rising dollar and a 2.5% rise in unit labor costs. If revenue growth decelerates, however, or profit margins contract, earnings could fall below $80 next year, and possibly to $70, he says.
Applying a multiple of 12 to $70 earnings would put the S&P 500 at 840, something "well within the realm of possibilities within the next 18 months," Cliggott says.
Though S&P earnings have returned this year to their prior peak, the index hasn't, he notes. In fact, it is 25% below its 2007 high. Cliggott recommends overweighting defensive sectors such as health care, staples, telecom and utilities, but he thinks financials look expensive. One cyclical sector that could hold up relatively well is tech, he says.
BULLISH AND BEARISH STRATEGISTS both will be keeping a close eye on Washington this fall, and they expect stocks to react, possibly in a volatile way, to any news about the progress of the Congressional Joint Select Committee on Deficit Reduction, which has been charged with finding at least $1.2 trillion in additional deficit cuts by Nov. 23. The on-again, off-again debate between both political parties that produced a debt-ceiling agreement this summer had a punishing effect on market sentiment in the U.S., and an unnerving one on markets around the world.
"Now we are looking at three months of uncertainty" in an already contentious battle, says Strategas' Trennert.
Robert Doll, chief equity strategist at BlackRock, expects that "the market will like any decent news" suggestive of bipartisan progress toward the avowed goal. His favorite stocks, given this backdrop, include health-care companies such as Aetna AET -0.5009068140599361% Aetna Inc. U.S.: NYSE USD115.21 -0.58 -0.5009068140599361% /Date(1469826088616-0500)/ Volume (Delayed 15m) : 2418613 AFTER HOURS USD115.54 0.33 0.28643346931689956% Volume (Delayed 15m) : 102133 P/E Ratio 17.35090361445783 Market Cap 40595975027.71 Dividend Yield 0.8679802100512108% Rev. per Employee 1217040 More quote details and news » (AET) and Pfizer PFE 0.5999454595036815% Pfizer Inc. U.S.: NYSE USD36.89 0.22 0.5999454595036815% /Date(1469826029059-0500)/ Volume (Delayed 15m) : 20819195 AFTER HOURS USD37.22 0.33 0.8945513689346707% Volume (Delayed 15m) : 694633 P/E Ratio 27.325925925925926 Market Cap 222398006165.437 Dividend Yield 3.252914068853348% Rev. per Employee 520858 More quote details and news » (PFE), and technology concerns such as Applied Materials AMAT -1.2396694214876034% Applied Materials Inc. U.S.: Nasdaq USD26.29 -0.33 -1.2396694214876034% /Date(1469826000161-0500)/ Volume (Delayed 15m) : 8617658 AFTER HOURS USD26.48 0.19 0.7227082540890072% Volume (Delayed 15m) : 187918 P/E Ratio 24.119266055045873 Market Cap 28993015337.8742 Dividend Yield 1.5214910612400152% Rev. per Employee 617097 More quote details and news » (AMAT) and Microsoft.
With the stock market whipsawed, economic growth uncertain and worries abounding about markets overseas, many investors have sought refuge in U.S. Treasuries. Consequently, yields have collapsed, and prices have risen. Many strategists now consider Treasury bonds a "crowded," or excessively popular trade, with little upside remaining.
Viewed another way, there is plenty of cash now stashed in bonds that could find its way into stocks as conditions change and investors regain their confidence. "Just a hint of economic stabilization will send money flows from Treasuries to equities," says UBS' Ryan.
If Wall Street's strategists are correct, the shift could happen even sooner than many think.
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By Erik Wasson - 06/10/12 11:25 AM EDT
The Senate is likely to vote to end a small but controversial catfish inspection program next week, saving $14 million annually and potentially preventing a trade war with Vietnam.
While other major cost-cutting amendments to the 2013 farm bill face an uphill climb — including ones slashing food stamp spending and capping crop insurances subsidies for wealthy farmers — the elimination of the catfish program is expected to draw wide bipartisan support.
"We are predicting victory on the floor, we clearly have the momentum and should have the votes, too," a lobbyist supporting the amendment said.
The U.S. Department of Agriculture (USDA) is required to set up a catfish inspection program under the 2008 farm bill, and has been dragging its feet in putting the program into place. Normally, UDSA inspects meat and eggs, but leaves fish to the Food and Drug Administration.
The USDA estimates that the new program would cost $14 million a year to run, compared to the $700,000 currently spent by the Food and Drug Administration.
A new Government Accountability Report compiled in May urged Congress to eliminate the program. It argues that FDA will have sufficient powers under new legislation to inspect imported fish properly.
Supporters of the program say imported catfish are a salmonella risk that the FDA's program does not sufficiently address. Catfish Farmers of America argues that since only 2 percent of fish are actually inspected by FDA, keeping catfish under the agency's oversight is a threat to public health.
Sens. Thad CochranThad CochranWhy a bill about catfish will show whether Ryan's serious about regulatory reform Capitol locked down for second time in a week This week: Congress eyes the exits in dash to recess MORE (R-Miss.), John BoozmanJohn BoozmanTim Kaine backs call to boost funding for Israeli missile defense Senators launch broadband caucus A GMO labeling law that doesn't require English? No thanks! MORE (R-Ark.) and Mark PryorMark PryorCotton pitches anti-Democrat message to SC delegation Ex-Sen. Kay Hagan joins lobby firm Top Democrats are no advocates for DC statehood MORE (D-Ark.) want the USDA program put in place.
Opponents say that the real reason for the USDA program is to protect the domestic catfish industry from competition with Vietnam and China. They say there is insufficient evidence of salmonella risk, and that under World Trade Organization (WTO) rules the program would constitute an unfair trade barrier. The WTO could allow Vietnam to retaliate if a WTO panel determines that is the case.
Sen. Max BaucusMax BaucusGlover Park Group now lobbying for Lyft Wyden unveils business tax proposal College endowments under scrutiny MORE (D-Mont.), head of the Senate Finance Committee, which oversees trade, has warned Vietnam might retaliate against U.S. beef exports over the inspections.
In the Agriculture Committee, supporters of the domestic catfish industry were able to beat back an attempt to end the USDA program.
With the USDA aiming to implement its program in 2013, both sides of the issue see the 2012 farm bill as key to resolving the catfish dispute.
The farm bill faces at least 80 possible amendments next week, and battles over the legislation could stretch on through June.
The House Agriculture Committee might mark up its own farm bill this month with less generous crop insurance and deeper cuts to food stamps. Due to opposition by fiscal conservative opposed in principle to farm subsidies, the House might not move a farm bill to the floor before the current one expires Sept. 30.


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The state's environmental groups and the state's municipalities don't agree on much. When they do agree, it's worth paying attention.
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Donations help feed spirit of holiday Goodfellows $56,193
Published: Wednesday, January 6, 1999 at 3:15 a.m.
Last Modified: Wednesday, January 6, 1999 at 12:00 a.m.
The Goodfellows campaign, which has made the Christmas season brighter for many disadvantaged Spartanburg-area families, continues.
Begun in 1947 by the Herald-Journal, Goodfellows' goal is to put food on the tables of families struggling to make ends meet. Through the tremendous generosity of the community, the organization has brought food to the tables of hundreds of families this Christmas. Bags of groceries were given to families who otherwise might have gone hungry for a number of reasons. Many families receiving help from Goodfellows are financially strapped, some without jobs and others with government assistance that often does not provide their necessities. And Goodfellows extends a heartfelt thanks to all who made this year's campaign a success. Gifts still are coming in and being posted to the Goodfellows account. If you would like to share in the project, send a tax deductible donation to Goodfellows Inc., P.O. Box 5707, Spartanburg, S.C. 29304-9852. Here are the latest contributors: Spartan Lodge No. 70 AFM -- $100 Gregory H. and Mary Helen Wade -- $100 Industrial Cleaning Equipment Co. of S.C. -- $100 Mrs. Charles E. Collins -- $25 Pat J. Markley -- $10 Eastside Veterinary Clinic -- $50 Stephen F. and Abby C. Fowler -- $30 In memory of Mr. and Mrs. J.R. "Red" Smith, by their family -- $75 Anonymous -- $50 Nanine S. Breon -- $25 James S. Fowler, Fowler Technical Sales -- $50 Mark Godenick, in honor of my co-workers -- $300 Mary V. Perry, in memory of my sister, Gilda Gauthier -- $20 Bruno F. Kowalczyk, BFK Microtech -- $50 Anonymous -- $1 Anonymous -- $10 Donations so far total $56,193.
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IRVING, Texas -- The message comes through loud and clear for Anthony Spencer.
It's time for him to have another big year for the Dallas Cowboys. If he doesn't, the big contract he's seeking will slip out of his grasp like an RGIII juke past the newly positioned defensive end.
The 29-year-old Spencer, who played outside linebacker throughout his Cowboys career, last played the position in college. But he knows he can't use a position change as an excuse for not putting up big numbers. He has to make big plays. He needs sacks, pass breakups, quarterback pressures and tackles for loss to pile up in order to help the Cowboys and help himself.
"Yeah, that's fair," said Spencer, who has been give the franchise tag and one-year deals the past two seasons. "Everything happens for a reason. I like the franchise. [The franchise tag] was a gift and a curse at the same time."
Spencer is the youngest member of the Cowboys' projected starting defensive line. But his maximum earning power is dwindling. Will any team pay a 30-year-old rush end $30 million? What about $40 million or $50 million?
The Cowboys shouldn't extend Spencer this season. Let him play the year out. If he puts up another big campaign, fine, take care of him then. But if the Cowboys get the Spencer of old, the one who doesn't get more than six sacks in a season, it's time to move on.
Even Spencer will agree he could be playing elsewhere if he doesn't perform to expectations.
Remember this quote from Spencer in an interview ESPN NFC East blogger Dan Graziano in 2011? "You can't mail days in in this league. And I definitely found I was doing that last year."
Spencer can't take plays off and just play when he wants to. And he acknowledges that. He understands his financial future is at stake, whether it's playing for the Cowboys or another team.
Spencer isn't expected to be DeMarcus Ware. He's not being asked to do something he's not capable of doing. He's a good player. Is he elite? No. But that's OK, because he has the ability to make big plays for the Cowboys.
Last season, based on statistics from the coaches, Spencer was second on the team in sacks (11), tackles for loss (eight), quarterback pressures (26) and forced fumbles (2).
The Cowboys need more of the same from him this season.
New defensive coordinator Monte Kiffin believes Spencer's skill set can force quarterbacks into mistakes. Kiffin wants the front four to create turmoil in the backfield, which could lead to turnovers -- a key point of emphasis for new defensive line coach Rod Marinelli.
"He focuses on the little things," Spencer said of Marinelli. "You win and lose in this game by doing the little things. He's making us do it. He records everything we do, so you can't say that you weren't doing it."
Spencer said he loves being challenged by the new defensive coaches. It tells him they care about him and they want him to succeed.
Can he?
The Cowboys know the NFL is a young man's game. Spencer knows that too. He's got to block out the business side of the NFL and focus on making an impact on the field.
If not, Spencer will be playing for somebody else next year.


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By Marlene Y. Satter |
November 12, 2012
Aberdeen launches emerging markets debt fund, as Schwab rolls out mobile offering.
By Joyce Hanson |
July 3, 2012
As the United States faces the challenge of creating more employment nationwide, new jobs are coming from an unexpected place — the 'positive-impact' sector, says a recent report from HIP Investor Inc.
By Joyce Hanson |
September 29, 2011
In a sometimes feisty Oxford-style debate in New York, portfolio managers and professors sparred over whether socially responsible investment has any business contributing to—or subtracting from—a company's bottom line.
As an investment professional, video marketing can be a very powerful tool that you can utilize to enhance your practice.
Part I of a series of articles on working with ultra-high-net-worth clients from IMCA's Investments & Wealth Monitor take a look at generational differences in...
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There is a wonderful talmudic story that goes something like this: a father and son go for a walk, get lost and find themselves in a terrible area where the sick and dying and impoverished languish on the streets.
Let's start with the obvious. It is not for a gentile to "endorse" any candidate for the position of chief rabbi. Nor did I, in my letter to the JC which, last week, inspired a leader and an article. What I said was that I welcomed the possible addition of Rabbi Shmuley Boteach to the list of candidates the community may consider for the post.
It's difficult to feel sorry for Ed Milliband. Even Labour diehards cannot suppress a smirk as over-eager Ed slips on his own banana skins. When he rings Diane Abbott on live TV to berate her for a Twitter error, the smirk turns to a smile.
In the past fortnight the police and the FA have convinced many that they are facing up to racism with the seriousness it deserves. Yet at the same time the Church of England has given the opposite impression.
It is now several weeks since a Charedi man in Israel spat at an eight year old Orthodox girl because he deemed her dress immodest. In response to secular and mainstream criticism, a demonstration was held in Jerusalem where some Charedim wore yellow stars or mock concentration camp uniform, claiming they were being treated by secular Israelis as European Jews were by the Nazis.
January is traditionally the month when the nation attempts to clear its collective hangover and contemplates abstaining from drink for a little while.
This year, the government has got involved. It has launched an alcohol awareness campaign and is now advising that we all abstain from drinking for at least two days a week.
Britain is not a revolutionary nation and neither is its Jewish community. But we are part of an innovative, dynamic society and, over the past 20 years, we have enjoyed great progress in many aspects of British Jewish life and communal infrastructure.
The Jewish people generally have such a talent and a liking for sex, and yet, from the desert to the Pale, have had to follow so many rules and regulations about when and how they could have it. So it was inevitable that, when they finally got to create their own secular empire, they might get a bit carried away.
Why is antisemitism so popular and prevalent all over the world? Why does it continue, unchecked despite the horrors of 70 years ago? People who care about the fate of the Jews are always searching for subtle, indefinable reasons to explain the continuing intensity of anti-Jewish hostility and hatred.
Mention her name to any Israeli man or woman over the age of 50 and watch the eyes mist over and a weird growling noise arise from the diaphragm. Yaffa Yarkoni, who died in Tel Aviv on New Year's Day at the age of 86, after a long decline from Alzheimer's, disease, was the nation's nearest equivalent to Vera Lynn.