text:
For some people, getting rid of their mortgage is their top priority. After all, it's by far the largest personal debt one is likely to ever owe, and having no mortgage will free up a nice chunk of that monthly income. That's why we don't just pay it off, we burn the mortgage paperwork when it's paid off.
Is it in your best interest to take your extra money or use it to pay the mortgage off early? This isn't such a clear cut issue, let explore what might impact your decision.
First, and most important, are you taking advantage of any matched 401(k) your employer may offer? A dollar for dollar match should be grabbed regardless of the rest of your situation. Even ahead of paying off any other debt. Companies usually limit the match to 5-10% of the employees' gross income, so if you make $50,000, the first $2500-$3000 is matched, and that's it. Don't miss this.
Do you have any revolving debt? Credit cards? Store cards? Common sense tells you it's silly to pay 12-18% interest on this debt, yet make extra payment on a 6% mortgage.
Do you have a proper emergency fund? The real concern at the bottom of this question is can you survive the loss of your job and still keep your home until you find new work? Remember, when you send extra money to your mortgage, it's a one-way street, you can't easily borrow it back. Of course you can arrange for a HELOC (home equity line of credit) but not after you are out of work. I view the HELOC as a bit of a slippery slope. It can be responsibly used as a secondary emergency account, but should not be your only source of funds to cover unexpected expenses. Your hot water heater fails, you should be able to pay for it.
In the final analysis, it comes down to one question – Do you feel lucky, punk? I ask this in all sincerity, as in most situations it will requite luck to choose the best outcome. We can look at all the data we wish, time periods when stocks returned over 19% on average (the '90s) or a decade of less than 1% growth per year (the recent '00s). You can play with the numbers all you wish, but unless Treasuries are yielding more than your mortgage (adjusted for tax implications) then Dirty Harry's question will come back to haunt us.
Consider, in the big picture there is little difference between a dollar used to pay down a 5% mortgage or one sitting in a 5% CD. Of course, the big difference is liquidity, but I am talking instead about the return on your money. So, as you get older and look at your portfolio, when you look at your stocks and cash allocation, it may make sense to accelerate those mortgage payments and enjoy the savings of 5-6% vs the 1% you might currently get in CDs. For our situation, we decided that it was wise to refinance in 2004 to a 15 yr, aligning our mortgage payoff more closely to when our daughter would start college.
In the end, you might read some very insightful analysis showing that 5% after taxes is really 3.75% if you are in the 25% bracket, and if cap gain rates stay at 15% (they might) that a fund yielding 4.4% will break even. DVY (The Dow Dividend stock ETF) yields 3.6%, the underlying stock need to grow just 8% over the next decade to let you break even. This is total growth, not each year. But the question remains, are you willing to bet on the markets return over the next ten years? Do you feel lucky?
This was a Money Maven Network wide posting, my fellow mavens discussed this topic as well:
Green Panda Treehouse – Pay Off Your Mortgage or Invest Your Money?
Wealth Pilgrim – Pay Off Your Mortgage or Invest
Money Help for Christians' Pay Off Mortgage Sooner, Invest, Or Save? The Math Analysis
Len Penzo – 12 Good Reasons Why You Should and Should not Pay Off Your Mortgage Early
Enemy of Debt – Should You Grow Your Nest Egg Or Pay Off Your Mortgage?
25 Responses to "Pay the Mortgage Early or Save?"
Neal@pilgrim Says:
May 4th, 2010 at 7:50 am
Wow…I spent 2 hours thinking about all the reasons pro and con and didn't even come up with the ideas you've listed. Is it time for me to find another career? Nice job pal.
Len Penzo Says:
May 4th, 2010 at 8:52 am
Nice balanced approach, Joe. Most people should rest assured that there really is no "right" answer here, despite what many people would have you believe.
Yes, you should be able to get better returns elsewhere – but how do you put a price on peace of mind?
This is one case where I now advocate evaluating the pros and cons of each and then going with your gut.
All the best,
Len Penzo dot Com
JOE Says:
May 4th, 2010 at 10:42 am
Ha! I appreciate the complement, Neal. I think too much, or so my family tells me,
Deacon Bradley Says:
May 4th, 2010 at 10:50 am
I like that you made sure to point out this was a decision for those with no consumer debt, an emergency fund, and actively saving for retirement. Very important! I can see both sides of the argument for paying down the mortgage debt or investing, but only after your loan to value ratio falls below 80% (to avoid needless mortgage insurance). Had this article been published 3 or 4 years ago I bet there would be a lot more resistance to the idea of investing in your security by paying down your mortgage. heh
Should You Grow Your Nest Egg Or Pay Off Your Mortgage? | Enemy of Debt: Where Behavior Meets Reality Says:
May 4th, 2010 at 11:58 am
[…] Joe Taxpayer […]
12 Reasons Why You Should (and Shouldn't) Pay Off Your Mortgage Early Says:
May 4th, 2010 at 2:33 pm
[…] Joe Taxpayer: Pay the Mortgage Early or Save? […]
Kevin@OutOfYourRut Says:
May 4th, 2010 at 10:22 pm
One thing that's important to consider is that when money is paid down on a mortgage it's "gone"–that is, there's no IMMEDIATE benefit to the paydown and you can't get it back out unless you borrow it back out.
The money paid won't reduce your monthly payment, especially if you have a fixed rate loan. As Joe lays out, you really need to be pretty stinking sure of your liquidity before making early payments.
One advantage to savings is that you can preserve your options for a future date. Not true with mortgage pre-payments!
Rainy-Day Saver « Credit Card is Paid Off / Midweek Link Love Says:
May 5th, 2010 at 6:33 am
[…] Pay the Mortgage or Save? at Joe Taxpayer […]
Money Mavens: Pay Off Your Mortgage or Invest Your Money? « Green Panda Treehouse Says:
May 5th, 2010 at 9:01 am
[…] Mortgage or Save @ Joe Taxpayer […]
Mike @ Green Panda Says:
May 5th, 2010 at 10:16 am
I agree that there is no "right answer".
the best solution will always be the one that you will feel comfortable with at the end of the day 😉
Another factor to consider is your risk tolerance and your investor profile. If you do not want to take any risk while investing, don't even bother and pay down your mortgage as fast as you can! there are now way you can make more money with investments if you are looking only for Certificate of Deposits or Bonds…
In order to consider investing instead of paying down your mortgage, you are better off willing to take risk and invest in the market 😉
RainyDaySaver Says:
May 5th, 2010 at 10:59 am
If you're on good financial footing (getting your 401K match, have a solid emergency fund, have no high-interest/any debt), it comes down to being either a sure thing or an investment risk. I prefer the peace of mind that comes with paying off my debts, rather than risking my investments. If I want to invest, I do so through my 401(k) and other, separate vehicles. But I will still aim to pay off my mortgage early, no matter what.
Financial Samurai Says:
May 6th, 2010 at 5:59 pm
Hi Joe,
It's wise you refied to a 15 yr to match your daughter's college timing.
I really believe it's 60% about duration, 30% about the cost of the mortgage including one's own tax rate, and 10% on your own mental comfort.
If the spread is greater than 2% on the mortgage and risk free rate of return, I'm happy to start paying it down. Within 2%, I'd rather not, have keep the liquidity.
JOE Says:
May 6th, 2010 at 8:50 pm
Thanks. When she was born, the mortgage had 28 years to go. We refinanced to 15 when she had 13 years to college, and I've made extra payments so far just to end it in time for school.
JOE Says:
May 6th, 2010 at 8:55 pm
Agreed. Although if a couple maxes their 401(k)s ($33K) and deposits to IRAs ($10K) that's $43K total, more if either is over 50. If they still have more money to pay the mortgage faster, good for them. I imagine it's a small slice indeed that can save that much.
What is Cool Around the Web This Week « Green Panda Treehouse Says:
May 7th, 2010 at 4:05 am
[…] Mortgage or Save @ Joe Taxpayer […]
Friday Link Love: Home Ownership Edition | Cool to be Frugal Says:
May 7th, 2010 at 3:45 pm
[…] Joe Taxpayer – Pay the Mortgage Early or Save? […]
Friday Link Love: Home Ownership Edition Says:
May 16th, 2010 at 1:47 am
[…] Joe Taxpayer – Pay the Mortgage Early or Save? […]
2million Says:
May 16th, 2010 at 2:34 pm
After maxing out my wife and my's retirement accounts, we diversify our remaining cash via our investment accounts, emergency fund/savings, and paying down our mortgage.
Terry Says:
July 10th, 2010 at 9:14 am
I am nearly 40 and in the middle of this dilemma right now. Do I keep liquidity for potential start-up cash/living expenses should I lose my job, or rush to pay down the mortgage while I still hold a steady-paying job? I do challenge the amount of liquidity/emergency fund needed in this job market as being more like a year — not a few months. But paying off my Mortgage in 5.5 years seems pretty tempting. Of course, with the Obama administration, 5.5 years in the future could look radically different.
JOE Says:
July 10th, 2010 at 9:26 am
A mortgage with "only" a few years to go is still a mortgage with payments due if you lose your job. Liquidity is still important, more so right up to the point where the mortgage is paid in full.
I agree that a year's expenses make sense in this climate. As you get closer to the end of that mortgage, you might consider a HELOC (home equity line) as a source of secondary backup funds. The prime rate is low right now, and some banks are running deals of Prime-X%. Our HELOC (no balance) is 2.5%. We do have the emergency savings, but I sleep better knowing I can tap this if there's a true emergency.
Financial Samurai Says:
July 10th, 2010 at 9:42 am
It's just basic account really. You can borrow up to $1.5 million now at only 3.75% fixed for 5 years now as of July 10th. You can also lock up 7 yr CD money at 3.55% at USAA and spend the interest proceeds if you wish.
Good to just match the loan payoff duration with when you want to retire like you said.
Mike Says:
May 1st, 2011 at 4:48 pm
Nice post. Lots of good points. I'm trying to pay my mortgage off in less than 5 years– before the age of 30! I'm throwing everything at the mortgage– because I already have an emergency fund and invest in the stock market. It's kind of like the Dave Ramsey method, but super-charged. You can follow my progress on my blog, if you are interested. I can't wait until my mortgage is paid off. It will allow me so much more flexibility with my professional and personal life! To everyone else out there trying, keep it up!
Should You Put Extra Money Towards Your Mortgage or Invest? Says:
May 4th, 2011 at 9:32 pm
[…] Should you pay off your mortgage or save your money? Joe Taxpayer […]
jim Says:
April 18th, 2012 at 1:52 am
Please give me your input. My wife and I are in our mid-50's. We've got just over $500,000 in our retirement funds. We have about $10,000 in savings. Our kids' college is paid for (no student debt for them). We have no debt other than our mortgage which is at $150,000 @ a 3.35% interest rate. In a few months we'll be able to throw $1500 extra into the kettle. My question is – should that extra $1500/month all be thrown at the mortgage or should we split it between the mortgage and building up more of our paltry $10,000 ER fund? Any and all suggestions will truly be appreciated.
JOE Says:
April 18th, 2012 at 9:31 am
$500K in retirement is doing rather well, in normal times, you're looking at over $1M by the time you retire, if not more.
I'd like to toss out one option – funding a Roth IRA for the first $12,000 you save. Here's my thinking – Kid done with college, no debt, this is great. Also no other debt, just the mortgage. You may very well go through the next 10-15 years with no need to tap that Emergency fund, but if you did, there are things that can decimate it quickly. If the Roth IRA is an option for you, make the deposits, it's $6000 per year per person over 50 years old. Treat it as the emergency fund, i.e. you don't invest it in a risky way, short term, low risk, even though rates are low. When your $10K + the Roths pass the 6 month expenses level, that's when you put additional deposits toward riskier, longer term investments, such as a mix of S&P index funds, and bond funds. But, you always have 6 months minimum expenses with easy access. The dual-use of Roth isn't popular right now, but so long as you don't count it twice in your planning, you'll do fine. A subtle point, but you are not "tapping your retirement account for emergencies" you are "depositing emergency money in tax favored accounts." This all assumes you don't already use IRAs, but are using 401(k) accounts at work.
Second option – set up a HELOC (home equity line of credit) and take the extra $18,000/yr and pay the mortgage off as fast as you can. I don't know the remaining term, but once it's paid, you'll have the extra cash from no longer having a mortgage, and you'll be able to handle more issues as they occur. For some people, a guaranteed 3.35% is more appealing than any attempt at getting higher returns right now.
Last – if the above two ideas are out of your comfort zone, yes, save the money in the Emergency fund until it's about 6 months expenses, then keep investing toward retirement. Understanding how marginal rates work will help you choose pretax (traditional 401(k) or IRA) vs post tax (the Roth 401(k) or Roth IRA) choices.
I hope this helped. Thank you for writing.


text:
SIKESTON - Mr. and Mrs. J.H. Cunningham have opened a sandwich shop at the North "Y" Service Station that Cunningham has been operating the past year.
SIKESTON - The three bosses picked at the annual B&PW Association's "Bosses Night" dinner party were named as tops in their field. They were: Bernard Rice, straw boss; Alton McCann, boss of the year; and Forrest Rudd, boss of the night. No explanations were given as to the qualifications required to achieve the honors bestowed.
SIKESTON - Power failures can be annoying at home or work, but a power failure at Missouri Delta Community Hospital could be disastrous. Two Caterpillar engines, one small and one large, keep the hospital complex from sustaining any major inconvenience during a power failure, according to medical engineer Jude Williams.
NEW MADRID - County records from the 1800s tax liens from the turn of the century, justice of the peace dockets and a record book from 1939, when farmers had to register the amount of cotton they grew - all are part of the history of New Madrid County. Thanks to a state grant, preservation of these documents and others will be ensured. Financed by an extra $1 in fees collected by the various record keepers at city and county levels, this pet project of Secretary of State Roy Blunt provided New Madrid County with $4,850, which will buy shelving for county records that currently are in rather precarious positions on the third floor of the county courthouse.
BENTON - The Kelly High girls softball team, which placed fourth in the Class 3A Tournament Saturday, were well represented on this year's all-district squad.

subset: commoncrawl


text:
While Apple Inc. (AAPL)'s influence on the three-year bull market in American equities is among the biggest ever exerted by a single stock, the rally would be doing just fine without it.
The world's most valuable company has surged 653 percent since March 9, 2009, accounting for 8 percent of the Standard & Poor's 500 Index's climb to 1,368.71 from 676.53, according to data compiled by Bloomberg. The impact is second only to Cisco Systems Inc. (CSCO) between 1998 and 2000, data compiled by Birinyi Associates Inc. show. At the same time, the S&P 500 has almost doubled since March 2009 even when Apple is excluded.
Apple's ascent is distracting investors from the broadest stock market advance since at least 1990, according to Mike Holland, founder of New York-based Holland & Co., which oversees more than $4 billion.
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Posted 12 April 2012 - 07:52 AM
we're surrounded by low hanging fruit but our handlers only know how to order take out
Posted 12 April 2012 - 08:17 AM
Apple Stock is a wonderful thing.
Posted 12 April 2012 - 03:28 PM
Election years are always rocky however the first quarter of this year was great in terms of a turn around since we hadn't seen a first quarter like this since 1989. I wouldn't count on it as any indicator also housing is the last to leave a bull and the last to enter albeit the last housing boost was helped enormously...we'll see.
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shit..... i should have bought some apple stock
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College 101
Collegiate Inventors Competition
Website: http://www.invent.org/collegiate/
Who's Eligible: College students
Award Amount: Up to $100,000 in cash and prizes
Due Date: Application reopens in the Spring
Want to make a difference in the world? Science-minded students can start here. In this competition, students race to identify and create the most ground-breaking invention. Entries must be replicable, fully operable, and the work of an individual or team. Along with a report on the invention, successful applications will include a report of patent research that ensures that the invention is your own idea. Entries will be judged on inventiveness and originality. Finalists will be sent to Washington DC to present their work.


text:
Right around the turn of the century, MTV went through a big "looks" phase. Not that it was ever, you know, strictly intellectual, but for a minute there it was just like PRETTY PEOPLE NOW NOW GET THEM WE WANT THEM THEY'RE PRETTY.
This phase, which resulted in several bad and memorable (and in some cases, memorably bad) reality shows, coincided with my going to college. So the fight for my brain was a daily struggle between my liberal arts education and MTV shows with stunning casts and Michelle Branch theme songs.
I like to think the liberal arts education won (thanks, Mom and Dad!), but then again I was unusually excited when MTV announced today that it'll soon start rerunning full vintage Real World seasons including the original New York, San Francisco, and the original Las Vegas (thanks...Trishelle?).
Las Vegas, it should be noted, aired when I was a freshman, and it had by far the prettiest and most debauched cast yet—which is why it's one of our favorite RWs of all time. It made the perfect nighttime viewing for all the crazy one-offs we used to catch reruns of during the day. There was:
That '70s House (2005)
Where did anyone think this was going? A bunch of attractive people lived in a house and couldn't use their cell phones. So... The Real World with shag carpeting. Natasha Leggero (above) would sometimes stop by to do scripted stunts. There were competitions do be "the most '70s," where the contestants would do things like have a dance-off and get eliminated for dancing in too modern a style. SOMEONE SPENT MONEY ON THIS.
Sorority Life (2002-04)__
This tribute to Greek Life was set at USC and UC Davis, and I would like you to watch the video above at least to 1:40 so you can see a girl proudly pull away on a motorbike with her thong hanging out of her jeans. COLLEGE!
PoweR Girls (2005)
Best known for inexplicably capitalizing the R at the end of "Power," this show about a shiny-haired army of junior publicists was so ahead of its time. And by that I mean it was canceled so fast on MTV, when if it had been born just a few years later, it could've reigned for decades on Bravo.
Rich Girls (2003-04)
Oh my God. This show was even more incredible than I remember it. Aly Hilfiger says "we just prance around this damn city like it's our shopping haven." Also, I hope that grown man got paid a LOT to sit through that lunch.
8th & Ocean (2006)
This was the model docuseries that happened when MTV was like, I think a few people in California still don't have a show. Raise your hand if you thought Teddy was THE hottest.
Laguna Beach, Season 3 (2006)
What's that? Of course you remember Laguna Beach? Not season three, you don't! Tessa and her clan never quite took off the way Cavallari/Conrad's did. Watch the vid above—you'll know everyone's name for the first minute and no one's for the rest of it.
__Do you guys remember these? What's your favorite vintage reality show? Check out our roundup of formerly scandalous reality behavior that now seems like child's play too.


text:
Creating your Buddy Team Page is simple and requires only a few pieces of information. DSNO will keep track of the amount raised by your page and will post the results.
If you created a 2014 Buddy Team you view it here to gain inspiration!
- Choose a goal amount you want to raise (it's just a goal not a commitment)
- Pick a name for your page (i.e. Jones Family)
- Add an optional photo of your child or family
- Tell us why supporting DSNO is important to you


text:
This is an excerpt from EERE Network News, a weekly electronic newsletter.
December 12, 2007
Southwestern Utilities Team Up on Massive Solar Power Project
A multi-state consortium of southwestern electric utilities joined forces on December 6th to issue a Request for Proposals (RFP) for a large-scale solar power plant. The consortium members hope to persuade a third party to build a 250-megawatt solar thermal power plant in either Arizona or Nevada by 2012, in which case the utilities would jointly buy all the power produced by the power plant. The solar facility must employ concentrating solar power (CSP) technology, which involves concentrating the sun's heat using either trough-shaped mirrors, dish-shaped mirrors, or a series of flat mirrors that track the sun in unison. If truly built to a 250-megawatt capacity, the facility will be the largest solar power plant in either state. The minimum project size that will be accepted under the RFP is 100 megawatts, and the consortium members will give preference to facilities with thermal energy storage. To learn more about CSP technology, see the CSP section of DOE's Solar Energy Technologies Program Web site.
The utility consortium, dubbed the Southwest Energy Service Provider's Consortium for Solar Development, includes the Arizona Electric Power Cooperative, Arizona Public Service (APS), the Southern California Public Power Authority, the Salt River Project (which provides power to Phoenix, Arizona), Tucson Electric Power, and Xcel Energy (which serves eight states in the West and Midwest), with APS coordinating the project. The consortium will hold a bidder's teleconference in January, and bids will be due on March 19th, 2008. See the press release and the RFP on the APS Web site (PDF 171 KB). Download Adobe Reader.


text:
Performance Audition Requirements
General Information
All instrumentalists are required to perform, at a minimum: (see specific information below for vocalists)
- Scales
- Two contrasting compositions
- Sight-reading (All prospective music majors must be able to read music.)
It is recommended that students select two solo compositions in contrasting styles that represent their current level. These should be from the standard repertoire and represent different style periods as listed below:
- Baroque – 1600-1750; composers such as J.S. Bach, G. F. Handel, Domenico Scarlatti
- Classical – 1750-1820; composers such as Haydn, Mozart, Beethoven
- Romantic – 1820-1900; composers such as Chopin, Brahms, Schumann
- 20th-21st centuries – composers such as Debussy, Bartok, Prokofiev
An accompanist will be provided for auditions.
Evaluation will not rest solely on the difficulty of the composition; much consideration is given to the mastery of the composition in performance. Specific instructions based on instrument are listed below.
- Perform two songs from memory
- Songs should be chosen from the traditional art song repertoire, opera arias, folk song arrangements, and sacred songs in English
- A song in a foreign language is strongly suggested
- One song may be a musical theater piece
Woodwind and Brass
- Scales, including a chromatic scale, two octaves
- One All-State required etude or etude of comparable difficulty
- One solo composition of regional solo festival level
- Sight-reading
Prepare two out of the following three options: (All-State audition pieces are acceptable)
- Snare drum etude (any intermediate or advanced studies from Cirone's Portraits in Rhythm, Peters' Etudes for Snare Drum, or Goldenberg's Modern Method for Snare Drum, Pratt's 14 Modern Contest Solos, or equivalent). The student will be asked to sight read.
- Timpani solo (any intermediate or advanced studies or solos by Saul Goodman, Mitchell Peters, Vic Firth, or equivalent). Tuning adjustments within the piece is not required. Drum tuning will be asked apart from the etude/solo
- Marimba solo (any intermediate or advanced etude or solo for two, three or four mallets) Recommendations: McMillan's Keyboard Percussion Technique, Peters's Chant for Marimba, Teardrops, or Yellow After the Rain, Gomez's Anasazi, or equivalent. (Major scales and arpeggios will also be assessed.)
- Auditioning students will perform two contrasting solo compositions from different style periods.
- Memorization is optional but preferable.
- Students will also play major and minor scales and arpeggios, two octaves, hands together.
- Sight-reading
Classical Guitar
- Diatonic major and minor scales – Andrés Segovia edition, Columbia Music
--The student will be asked to play scales in several keys from this edition.
- One study from one of the following collections:
--Matteo Carcassi, 25 Studies Op. 60
--Fernando Sor, Op. 6 or Op. 29
--Mauro Giuliani, Op. 48 or Op. 51
- Two solo works in contrasting styles that represent the guitarist's current level.
- The student will be asked to sight read a section of guitar music in staff notation.
Violin or Viola
- Major scales: one three octaves, and the others, two octaves
- One etude such as Wohlfahrt, Kayser Dont, Mazas or Kreutzer
- A work or movement of student's choice
- Sight-reading
Cello or String Bass
- Major scales: one three octaves, and the others, two octaves
- One etude such as: Schroeder, Lee, Dotzauer, Popper or Duport
- Bass Etudes: One etude chosen from Nos. 2—8, Thirty Etudes for the String Bass, F. Simandl
- A work or movement of student's choice
- Sight-reading


text:
MTV(NEW YORK) -- The MTV Video Music Awards have given us plenty of controversial moments over the years, but this year, show organizers hope that in addition to the usual wardrobe malfunctions and onstage feuds, the stars will throw politics into the mix.
"By all means, in a political year, we're counting on artists to take this moment and address young America and give them some point of view of what's going on in the world," says MTV executive Erik Flannigan. But of course, he admits they're also counting on big musical moments, like one from performer Britney Spears.
"I think she knows what her history is," Flannigan tells ABC Radio. "She's walking into the building knowing what she's done on this show before. So, just as [important as] it is for us to top ourselves, I know it is for her [too]." Flannigan says Britney's performance of her latest hit "Make Me" will be "unprecedented."
Pop and R&B star Rihanna will take home the Michael Jackson Video Vanguard Award tonight. Flannigan says, "We're gonna see a lot of different Rihanna looks -- not just visually but musically. And the way you see it appear through the show is gonna be a little bit different, too."
This year, for the first time, the VMAs are being held at New York's Madison Square Garden.
"The moment you're inside Madison Square Garden, you're at a different level," Flannigan says. "So in some ways, I think this is a show that leans into the history of the building...we're gonna take advantage of every single inch of it."
Flannigan's also excited that U.S. Women's Gymnastic Team members, as well as gold medal swimmer Michael Phelps, will be on hand as presenters. "I think they're gonna be the ones who everyone wants to take a picture with," Flannigan laughs. "Celebrities included!"
The MTV VMAs air at 9 p.m. ET tonight.
Copyright © 2016, ABC Radio. All rights reserved.


text:
NEW DELHI: National Mineral Development Corporation (NMDC), the country's largest iron ore producer, is considering to slash prices of the mineral by 40% due to slowdown in demand by steel manufacturers. The move would come as a breather for steel makers such as Ispat Industries, Essar Steel, JSW Steel and Rastriya Ispat Nigam Ltd (RINL) which have long term supply contracts with NMDC. The PSU meets about 30% iron ore requirements of domestic steel companies. Other steel majors like Tata Steel and Steel Authority of India Ltd (SAIL) have captive iron ore mines.
"There is a proposal to roll back the price increase," said an official in the steel ministry who did not wish to be identified. In October this year, prices of various types of iron ore were increased by around 40%. Effectively, prices of iron ore lumps would go down by Rs 1,000-2,000 per tonne depending on quality.


text:
Review: Proporta TurboCharger 5000 û External Emergency Charger Battery Pack
The Dynamic Light iPhone app is an edgy, ultra-modern blend of Hipstamatic, Snapseed, and Luminance. The interface is similar to Hipstamatic with its lens and on-screen adjustments, and the effects… Read the full review at AppSafari
The rest is here:
Dynamic Light
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text:
Square Mesh Pullover
Product not available
HideDetails & Care
Squared-off open stitches compose a soft cotton pullover with contrast ribbing at the crew neckline.
- Approx. length from shoulder: 27".
- Measurements taken from size Medium and may vary slightly by size.
- Ribbed cuffs and hem.
- Cotton; machine wash.
- By Leith; imported.
- Savvy.
Square Mesh Pullover
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The mother of all shits.
Christ on a bike! That chummy i just did could have sank the fucking Bismarck.
by Duderancher May 31, 2009
Trending Now
Can you define these popular missing words?
Top Definition
close with someone or, looking comfertable with an individual.
Man, Matt and Lisa are looking chummy
by LOw blow November 24, 2003
adjective; meaning to be friendly, or highly personable
Whenever Evan meets a new person, he gets chummy real fast, to break the ice.
by The BlacKnight July 12, 2010
A friend, a mate or a pal! I nice person you like to be around or talk to!
your friend "I'm off see you later"
you "okey dokey chummy see you!"
.....yh somin like that
you "okey dokey chummy see you!"
.....yh somin like that
by Bonkers12345 January 07, 2013
Being rather chubby but yummy at the same time, or the chubbiness is found to be yummy.
Mmm... You're so chummy
by WillyWR September 14, 2014
A Chubby Tummy, also described as a larger than normal stomach
My chummy hurts, I have a chummy
by matthew charles II January 13, 2010
A pick-pocket's target.
As the talent suckers chummy the wire reefs his leather.
by England phi beta gamma March 07, 2008


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Omnia D9000SA US32D Brushed Stainless Steel Square Stainless Steel Single Cylinder Deadbolt
Offer Ends
Technical Specs
|2-3/4", 2-3/8"
|Cross Bore
|Edge Bore
|Left, Reversible, Right
|Stainless Steel
|0.5, 1.675
Configure your Omnia D9000SA US32D Square Stainless Steel Single Cylinder Deadbolt
Backset more info ▼The backset of your door is the measurement from the edge of the door to the center of the bore hole. Some products have an adjustable backset latch; however this product does require a designation.
Door Thickness more info ▼Measure this dimension to determine what your needs are for your door hardware. Please refer to the installation instructions and technical specifications of each product to make sure your doors and the door hardware you choose are compatible.
Free Keying Option more info ▼
Choose "Keyed Alike" to use the same key on multiple locks or "Keyed Different" to ensure that your locks will have different key codes.
Please contact customer service for quotes on master keying or to key multiple manufacturers alike.
Two keys provided per key code.
Please finish configuring product before adding to cart
Square Stainless Steel Single Cylinder Deadbolt
Omnia's line of stainless steel lever latchsets is designed to accentuate any setting where a modern, sophisticated look is desired. Made from the highest grade material available, every piece is strong, durable, and resistant to corrosion and staining. Virtually effortless to clean, Omnia's stainless steel lever latchsets will maintain their smooth, rich luster for the lifetime of your home, while their interior components will prove worthy of the exceptional standards Omnia has set for more than 40 years.
- Fits standard 2-1/8" bore hole
- 1/2" projection
- Stainless Steel
Additional Omnia Links
- View Manufacturer Warranty
- Shop All Omnia Products
- Shop All Omnia Stainless Steel Collection Products
Our SKU: D9000SA
This product is listed under the following manufacturer number(s):
- Brushed Stainless Steel
*Denotes a finish or option that has been discontinued
4 Questions from the Community
That would be the D9000SAC.
Is there a double cylinder version of this lock?
A. That would be the D9000SAC.
The Omnia D9000SA is made of Stainless Steel and the backset is adjustable.
is this dead bolt made of stainless steel or does it just have a stainless finish? also, is the back set changeable between 2.375 and 2.750 ?
A. The Omnia D9000SA is made of Stainless Steel and the backset is adjustable.
The Omnia D9000SA is made of metal and can be bought in a stainless steel finish
is this deadbolt made from s.s. or does it just have a s.s, finish?
A. The Omnia D9000SA is made of metal and can be bought in a stainless steel finish
The Omnia D9000SA can only be used for doors that are either 1 3/4" or 1 3/8" thick. This will not work for you.
My doors are 1 and 1/2 inch thick. Would this work? Thanks.
The Omnia D9000SA can only be used for doors that are either 1 3/4" or 1 3/8" thick. This will not work for you.
Omnia Stainless Steel Collection
Other Products In The Omnia Stainless Steel Collection
Omnia 12PR
Privacy Door Leverset from the Stainless Steel Col...$60.60-$77.40(11)
Omnia 7000
Floor Door Bumper$16.68-$22.74(7)
Omnia 7610
Round Door Stop$9.48-$9.48(3)
Omnia 12SD
Single Dummy Door Lever from the Stainless Steel F...$25.20-$33.60(1)
Omnia 7001
Floor Door Bumper from the Stainless Steel Collection$11.70-$13.02(9)
Warranty Info
Limited Warranty
We warrant our products against: defects in workmanship, materials, or operation subject to ordinary wear and tear as it pertains to particular installations for a period of (1) one year from the date of original purchase. Finishes are not warranted with the exception of products ordered with the Max Brass finish. However, we do not warrant against defects due to improper installation, forced entry, failure to exercise normal maintenance, or against the consequences of uses for which our products were not designed. For example, if our product or component part is used with a product that is not ours or a component part (such as our lock or latch with knobs, levers, escutcheons and roses) that is not ours, our warranty shall only apply if, and to the extent, that the purchaser can show that our products or component part itself was defective and the defect was not related to alteration or to adverse defects of such use with a product or component part not ours. Omnia is not responsible for any costs associated with installation, repair or replacement or for damage to any product which is not sold by Omnia. Our only liability, whether in tort or in contract, under this warranty or any express or implied warranty is to repair or replace products which are returned to us by written authorization, shipping charges prepaid, at the address below within one year after our delivery thereof to the original purchaser from us, and are determined by us to be defective. If damage has resulted from shipment, our customer's only remedy is to make a claim against the carrier. Products will not be accepted for repair or replacement under this warranty unless we have give prior authorization for their return. Upon receipt of products returned for repair or replacement, we will determine whether products qualify for repair or replacement under this warranty; if they do not, we will notify our customer of estimated costs of repair or replacement and will obtain authorization prior to proceeding. We have no liability to pay any costs of repair performed by anyone other than us, unless in each instance we have given prior written approval of such repair, in which case we will pay what we consider to be the reasonable cost thereof. This warranty is expressly in lieu of all other express warranties. Implied warranties shall be limited to the duration of the warranty period of this express warranty. We shall under no circumstances be liable for incidental or consequential damages.


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Welcome to A.T. Mann's Mandala Astrology Tarot! With five unique readings, it's a one-of-a-kind journey that offers fresh depth and insight into any situation you might be experiencing. That's because the Mandala readings are the first ever that combine two ancient methods of divination, Tarot and Astrology. These readings are so revolutionary, a new deck had to be created. Get ready to experience rich symbolism and a variety of interpretation that just isn't available with the usual Tarot deck. A Mandala reading takes you beyond the cards and into the stars for a unique journey that you can only experience at Tarot.com.
Mandala 12 Card Spread
The 12-Card Mandala spread is a comprehensive reading that integrates classical Tarot with the art of Astrology. It turns your average reading into a mystical experience with profound depth and insight. The unique, square-shaped cards offer rich symbolism and a variety of interpretation that just isn't available with traditional Tarot readings. Each card can have up to four meanings, depending on the orientation of the card.
12 Cards
List Price: $6.95
Karma Coins: 60 KCs
Mandala Changes (Mutable Signs)
This four card spread is especially useful for those who seek guidance about periods of change in their life or the life of someone close to them. Perhaps you are struggling with an issue that is temporary in nature, but you still find it difficult to roll with the punches. By integrating Tarot and Astrology, this unique reading provides insight into what's going on and the best way to adjust to the transitions.
4 Cards
Mandala New Beginnings
This four card spread is specifically designed to offer insight into the start of a new endeavor. We all struggle with issues related to new beginnings, whether it's a new romance, career path or move. Whatever your issue, this Tarot.com exclusive combines both Tarot and Astrology to offer insight and guidance about how best to deal with new beginnings -- and how to see them through to the best possible outcome.
4 Cards
Mandala Balance
This unique, four card spread is designed to help those who are happy with their present situation (whether it's their love life, career, health or more). This one-of-a-kind reading unites both Tarot and Astrology to offer insight and guidance about maintaining stability and continuing along an existing life path. By finding the proper balance in life, you'll avoid bad patterns and continue traveling in a positive direction.
4 Cards
Mandala One Card Look-Up
The one card look-up is a simple way to get a handle on your present situation. Use this innovative reading as an enlightening way start to your day, or as a way to gain insight into how the winds of change might be blowing in your life. In Eastern philosophies, the deeply symbolic Mandala images are associated with meditation, so you might try using this rare deck to help gain focus as well.
1 Card
List Price: $1.95
Karma Coins: 20 15 KCs


text:
This 2011 Annual Report highlights the results attained by UNDP Sierra Leone, in partnership with the Government of Sierra Leone, UN, development partners and Civil Society Organisations (CSOs). The results achieved contribute to the achievement of national development priorities as set out in the Agenda for Change and the Millennium Development Goals.
How do we do business?
UNDP Sierra Leone's Procurement Unit is responsible for sourcing suppliers and awarding contracts in a transparent, fair and competitive manner following the principles of best value for money and integrity.
UNDP procurement is governed by an Internal Control Framework as well as the norms contained in the Financial Disclosure and Declaration of Interest, and Impartiality Statements (FDP).
List of contract awards
|Project title
|Vendor name
|Value (US$)
|Support to the Electoral Cycle
|H M Safideen
|Mohamed M. Jalloh
|Rent for which no notice was made
Procurement Notices
Contact UNDP in Sierra LeoneAbdul Karim Bah
Communications Analyst Phone: + 232 33 167 428
Email: firstname.lastname@example.com
Latest UNDP Sierra Leone Report
View all reports


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OpenTK + FedoraPosted Friday, 31 July, 2009 - 23:07 by fcmr in
Does OpenTK actually work on Fedora systems? I have had a few people I work with reporting strange issues and I'm not sure if it's related to Fedora, how mono is set up or the overall structure.
This is the basic error:
Unhandled Exception: System.TypeInitializationException: An exception was thrown by the type initializer for OpenTK.Graphics.DisplayDevice ---> System.TypeInitializationException: An exception was thrown by the type initializer for OpenTK.Platform.X11.X11XrandrDisplayDevice ---> System.ArgumentOutOfRangeException: Must be greater than zero.
Parameter name: width
It's really strange and we can't pinpoint it. The funny thing is that the software seems to work in Windows, Mac OSX, Gentoo Linux and several other flavors but not Fedora.
I don't really have a lot of information to go on and I'll take what I can get.
Can you please find out the exact version of Fedora, Xorg and video card / drivers in use?
OpenTK relies on the XRandR protocol to obtain information about available display devices and it seems that this specific implementation is either returning invalid data (a monitor with width = 0). It is relatively easy to turn off monitor detection when OpenTK receives invalid data, but it would be nice to pinpoint the exact culprit before adding any workarounds.
Those affected were using the 32-bit version of Fedora 11.
The Xorg version should be the latest fetchable via yum (in this case 22.214.171.1241).
The video card was an ATI powered by the open source drivers (I'm unsure of the exact versions).
Hope this helps.
Thank you, I am downloading a version of Fedora 11 to test with. OpenTK is tested and known to work on Arch, Gentoo, Debian, Ubuntu, (open)SUSE and RHEL. I have also used it successfully on older Fedora versions, but this distribution is not tested regularly as it contains way too much unstable software for its own good.
Out of curiosity, why does OpenTK rely the XRandR protocol?
Oh, if you have a quick and dirty fix I'd appreciate it if you share. :)
Thanks again for looking into this.
XRandR provides a way to query available display devices and control their resolutions. It is used by the DisplayDevice class (which is used by the GameWindow constructor, in turn). It is an essential part of OpenTK and a broken XRandR implementation is bound to cause problems.
I don't think this can be worked around without modifying OpenTK (if I had an easy solution, I'd have posted it). I have installed a Fedora virtual machine, but it is still installing updates after a whole day (haven't had a chance to even install mono).
Edit: I cannot confirm the issue. The samples included in Examples.exe 0.9.8-1 seem to work fine on Fedora 11.
Which version of OpenTK are you using?
Now that you mention it, I don't know if they tried running any of the samples. I'll have them do that and see what happens.
We are using OpenTK 0.9.9-0 by the way...
I just tested 0.9.9-0 and it seems to behave identically to 0.9.8-1 in this regard. You could be hitting a driver or Xorg bug.
Are you using multiple monitors?
One of my team got back to me. He tried running the Examples.exe and got the same error as reported above.
So I'm thinking it might be what you said, a driver or Xorg bug or something else along those lines.
You mentioned multiple monitors... I just recalled he was using a laptop. Could that be the problem?
I doubt it, but I don't have any way to test that (I am using a virtual machine for Fedora and the OS cannot access the actual monitor).
Two suggestions:
- Try running "xrandr" from a terminal. If XRandR is working correctly, this command should return a list of supported resolutions. Try switching resolutions with "xrandr -s n", where n is a number like 0, 1, 2, ... (0 restores the original resolution).
- If the above fails, you should definitely log a bug report against the video card drivers. Ati's OSS developers are pretty good in fixing issues like this.
Edit: Fedora 11 shipped with unstable OSS drivers for Ati. To give you an idea of how unstable, they used code that wouldn't be merged to mainline for at least 6 more months.
Fedora has always been notorious for shipping bleeding edge software, but this specific release was pretty reckless: experimental Xorg, Mesa and kernel DRM versions, various WIP branches for Radeon and Nouveau... Hopefully, 3d drivers will be much more stable once Fedora 12 comes around.
Should have thought of running "xrandr" from the terminal. It led us to:
strange "0x0" mode in xrandr mode list --> https://bugs.launchpad.net/ubuntu/+source/linux/+bug/398188
"0x0" mode in xrandr mode list with KMS --> https://bugs.freedesktop.org/show_bug.cgi?id=22778
Also of note is --> https://bugzilla.redhat.com/show_bug.cgi?format=multiple&id=497070 <-- especially comment #16
Looks to be a kernel issue.


text:
I just finished the C25K program April 10th, and signed up for my very first race--EVER--with my running buddy. Our race is in another town 2 hours away, so we decided to make a girls' weekend of it. Race fees paid for Saturday am, hotel booked for Friday night, and we also scored tickets to a matinee showing of Wicked. We planned to leave at noon on Friday so we could visit the running store and get fitted for good running shoes (for future training purposes). I am loving running, which as I said I am doing for the first time at 43, and I look forward now to my running "fix," and feel cranky if I can't go out and do it! On my rest days, I am looking forward to my next run.
SO, as I am on my way out of the office today, I get a call from my 11 y.o. son, who is sick. D@#^! And my husband is unexpectedly on call. And my mother, who is our backup babysitter is out of town. And now I am stewing and wondering how evil it would be of me to foist my sick child onto the teenage babysitter who has not worked for us before--BECAUSE I REALLY WANT TO RUN MY RACE!
Just looking for a little support from my fellow newbie runners... What do you do when life seems determined to get in the way of your best-laid plans? What kind of crazy person have I become that all I can think about my sick kid is--why did it have to be TODAY?! Sigh.
I may not be good, but I'm slow!
I'm also 43 with 3 kids at home and had this happend to me as well, I was upset but then I thought it's not the only race and there will more. Good Luck in whatever you decide!
Here's the update: my 11 y.o. son had a low-grade temp and nothing else, so he took some ibuprofen and went to bed (which is what he does when he's sick). I confirmed that my mother was back in town and would be coming in a few hours. I asked the babysitter if she'd be comfortable with the situation, and she said it was no problem. SO, I went off to my race (2hrs away, so stayed overnight) with just a short delay. Had a GREAT time, and everyone in my household survived and is now well! My kids were great, and congratulated me on my race.
BUT--I think I have become an addict. I am constantly thinking about when I'll get my next fix/run, I think about how I can change my schedule so I can go run; so far, I haven't really had any adverse consequences, so maybe I don't meet the full definition of an addict just yet... At least so far no one has suggested that I need to cut down...
So with the perspective of 48 hours, my first race EVER behind me, and a plan to train for a 10k in September, I think perhaps I am not a failure of maternal instinct, and that I make a better role model for my kids by going after what I've been working for instead of always ignoring what I want for what everyone else needs. And nobody was hurt in the process!
I may not be good, but I'm slow!
It is definitely addicting, especially after your first race. I am always thinking about when I can get another run in. But, always remember there are will always be races. Run when you can, rest when you must, but always put your family first and you'll do fine. Congratulations, glad everyone's healthy!
Roufa Runner's Husband
Phil 4:13
Glad your son is feeling better and you got your first race under your belt! As a mom, I know how hard it is to try and balance everything -- my son isn't quite 6, so I look for races where I think that there will be a playground or some other thing to amuse my little guy. And I also have to make sure that my mom or husband are free so that they can hang out with him while I run.
I agree that you are being a very good role model for your son! Are there any races that your son might want to do with you?
ACTIVE is the leader in online event registrations from 5k running races and marathons to softball leagues and local events. ACTIVE also makes it easy to learn and prepare for all the things you love to do with expert resources, training plans and fitness calculators.


text:
PC-BSD: Set For Serious Growth? 393
Artem Tashkinov writes: Luke Wolf, a KDE developer, argues that PC-BSD might become a serious desktop OS contender by year 2020, since Linux so far has failed to grasp any serious market share. He writes, "Consider this: In the past 10 years has the distribution you run changed significantly in what it offers over other distributions? I think you'll find the answer is largely no. I do have to give a shout out to openSUSE for the OBS, but otherwise I've used my desktop in the same exact way that I have always used it within the continuity of distribution X,Y, or Z since I started using them. Distributions simply aren't focused on desktop features, they're leaving it up to the DEs to do so." He continues, "PC-BSD on the other hand in fitting with the BSD mindset of holistic solutions is focused on developing desktop features and is moving rapidly to implement them." What do you think?


text:
Acceptance Letter ISU LPN-BSN Program
0 When you receive your acceptance letter into the Fall 2012 class please sign in. Kudos to those who are waiting for the June 1st deadline to get here. I too am waiting.1Jun 13, '12 by mljjohnsonQuote from 2brn09I made the June 1st deadline and am waiting to her back if I was accepted or not. Do you know how long it usually takes, I'm really anxious checking the mail every day, lol.When you receive your acceptance letter into the Fall 2012 class please sign in. Kudos to those who are waiting for the June 1st deadline to get here. I too am waiting.0Jun 16, '12 by 2brn09Not sure, but I heard that you should check your email too. I am waiting too. What state are you in?0Jun 16, '12 by mljjohnsonCalifornia0Jun 17, '12 by 2brn09I am excited about the possibilities, but just want to know whether or not if it's really what I want to do. 5-6 semesters are not long, but I thought I would be fininshed with nursing school by now. Let me know when you get your acceptance notification and I will do the same.0Aug 26, '12 by mljjohnsonGot my letter!0Aug 26, '12 by 2brn09Have you started classes? We are going into week 2. Are you in n208 and 304?0Aug 27, '12 by misspinkmeowI thought there was no wait list for this program ? Am I wrong?0So there is a wait?0Sorry long day at work, and i am not sure i understand...
There is a wait?
Quote from 2brn09Not to my knowledge.1Aug 28, '12 by 2brn09No, I must say before I read your reply I too was thinking I had a lonnnggggg day at work.0Oh good I'm not the only one going crazy LOL


text:
PETTICOAT JUNCTION, SC---Junior Kendrick Garnett helped propel the Dawgs to a first round playoff win last week with 132 yards and three touchdowns on the ground. Garnett has been a big part of the Dawgs offense and defense all season but has really turned it on recently.
"Coach Lown said that we need to be more focused to win more games," Garnett explains, "Because the most focused team will win and I began to appreciate the offensive line blocking better for me."
Thanks to that offensive line, Kendrick Garnett is our OFL Player of the Week as the Bulldogs get set to take on Central at home this Friday night in round two.


text:
Edited by Paper Animal, 11 January 2013 - 03:32 PM.
<Dejavu> On Blackgate Server, Max Perk Guild
Started by Paper Animal, Nov 17 2012 03:15 PMpvx
10 replies to this topic
Posted 17 November 2012 - 03:15 PM
Dejavu is a casual to semi-hardcore guild active in all aspects of Guild Wars 2. Our members (over 100 active) range from casual to competitive so we accept all play styles. For the most part, we are a pretty laid back but organized guild with weekly events and/or competitions. Our only membership requirements are that you are at least 18 years old and you agree to represent us 98% of your game play. We are an adult guild so you will find no babysitters here. There will be tasteless jokes, byob nights in vent and all the innuendo you can handle. We do run a magic find perk consistently! Please visit our site, experiencedejavu.enjin.com to apply or message Paper Animal in game.
Posted 24 November 2012 - 03:58 PM
App today to join us for WvW!
Posted 04 December 2012 - 12:08 AM
Join us today!
App at experiencedejavu.enjin.com
App at experiencedejavu.enjin.com
Posted 10 December 2012 - 03:10 PM
Getting ready for wintersday event? So are we!
Join us at experiencedejavu.enjin.com
Join us at experiencedejavu.enjin.com
Posted 23 December 2012 - 10:11 PM
Check us out at experiencedejavu.enjin.com!
Posted 02 January 2013 - 04:16 PM
Looking for a new guild in the new year? Check us out at experiencedejavu.enjin.com
Posted 11 January 2013 - 03:32 PM
Apply today at experiencedejavu.enjin.com!
Posted 26 February 2013 - 09:12 PM
Are you ready for guild missions? We are! All max perk guild. Apply with us today at experienedejavu.enjin.com
Posted 05 March 2013 - 05:19 PM
Our t2 bounty mission is this Friday! Want to be apart of it? Apply with us at experiencedejavu.enjin.com
Posted 20 March 2013 - 12:42 AM
Looking for a guild? Check us out at experiencedejavu.enjin.com or PM Paper Animal.2471 in game!
Posted 08 April 2013 - 09:12 PM
Guild rushes about to be unlocked! Apply with us at experiencedejavu.enjin.com
Also tagged with one or more of these keywords: pvx
The Gathering - [Guild Wars 2] →
Guild Recruitment →
NA Server Recruitment →
NA Guild recruiting ALL new and returning players!
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Cydeas Daughters recruiting now
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text:
Stocks to Watch: Guess, Fresh Market, Corinthian Colleges
Among the companies with shares expected to actively trade in Thursday's session are Guess, Fresh Market and Corinthian Colleges
Guess' fiscal second-quarter earnings fell 7.1%, as the clothing retailer's margins were weakened by higher costs. However, shares jumped 16% to $31.60 in premarket trading, as the company easily beat its quarterly guidance.
Fresh Market's fiscal second-quarter earnings rose 17%, as the specialty grocer recorded a double-digit increase in sales. Still, shares fell 4.9% to $51.60 premarket, as the company lowered its full-year per-share earnings guidance, though it lifted the low end of its same-stores sales outlook.
Corinthian Colleges gave weak guidance, as chief executive Jack Massimino expects the for-profit educator to face "another challenging year," though it does expect new-enrollment growth this quarter at its physical locations. Online hasn't been without its hiccups either for the company, as fiscal fourth-quarter enrollments there were weaker than expected. Shares fell 6.1% to $2.45 premarket.
Signet Jewelers Ltd.'s fiscal second-quarter earnings slipped 4.7%, as the retailer continued to see weak sales in the U.K., while higher costs pressured margins. Revenue growth was weaker than consensus, and the company gave a downbeat profit view for the current quarter. Shares fell 4.9% to $66.40 premarket.
Shanda Games second-quarter earnings rose 21%, as the game developer's results were boosted by an income-tax benefit and improved margins. The company's American depositary shares were up 3.3% at $5.34 premarket, as earnings were better than analysts had expected.
Altera Corp.'s board increased the number of shares the chip maker can repurchase, expanding a buyback program that now has the authority to repurchase about 13% of the company's shares outstanding. Shares rose 1% to $35.13 after hours.
Standard & Poor's Ratings Services upgraded its ratings on three U.S. wireless-tower operators — American Tower Corp., Crown Castle International Corp. and SBA Communications Corp. — noting their business-risk profiles have improved based on key fundamentals that have prevailed over the past several years.
Casella Waste Systems Inc.'s fiscal first-quarter loss narrowed, as an increase in volume boosted the waste-management company's revenue. Results topped analyst expectations, and the company lifted its full-year guidance.
Urban Outfitters Inc.'s board authorized a 10-million share-buyback program, the fourth time the clothing retailer has announced such a move since 2006.


text:
Cards & Games
Rattus$31.99
Europe, 1347. A disaster is about to strike. The Black Death reaches Europe, and during the next 4 - 5 years, the population of Europe will be halved. The players settle in the various regions of Europe, while the plague spreads throughout all of the continent. The players gain help from the various classes of the middle ages: The Peasants provide population growth, the wise Monks keep the rats away, the rich Merchants flee when the plague approaches, the warfare conducted by the Knights spreads the plague to new areas, the Witches control the spread through magic and witchcraft, whereas the Kings avoid the plague by staying in their fortified palaces. But the plague does not make any distinction: When the rats arrive, no one can feel safe. When the plague withdraws and the game ends, the player with the highest surviving population wins.

Contents: board, board, 49 rat tokens, 80 wooden cubes, 1 Plague pawn, 6 character cards, rules
No. of players: 2-4
Ages: 10+
Playing time: 45 minutes
 Learn More
Bloodsuckers$39.95
Bloodsuckers is a highly thematic strategy card game for 2 to 4 players ages 13 and up.

Play as either vampires or vampire hunters fighting to control the most locations within Blackwood. Unleash powerful card combos to attack your opponent but beware as your strength rises and falls with the time of day. Battle alone or alongside a teammate to recruit the innocent bystanders at the church, graveyard, nightclub, police station, and hospital.

Win the battles and claim the most locations to declare victory in the fight between the living and the undead!
 Learn More
Inka$29.95
Four explorers, smitten by gold-fever, set off to find the legendary treasure of the Incas.

But when they finally arrive at their goal they are still confronted by a difficult task.

Lead your explorers through an old labyrinth which hides many obstacles. Lots of paths lead you to your goal -but only one will enable you to get your hands on the gold ahead of your fellow players.

On the hunt for the gold of the Inkas, each player not only wants to be the first to find the treasure, but also to be the first to return with the treasure.In order to overcome the dangerous abysses of the temple, the players must carefully move the rhombic floor tiles. Some of them allow the players to move walls, which can make the path to the treasures more difficultfor their opponents.
 Learn More
Samurai$39.95The samurai -- for centuries, the name has represented unfailing courage, imperturbable loyalty and internal harmony. Today the name is no less respected and stories of the samurai myths and legends have become more and more popular. In Japan, there were three samurai forces: peasants, clergy, and nobility. The way to power in old Japan led through the peasants, the clergy, and the nobility. To becomea samurai, one had to be supported by one of these forces and have strong connections to the other two. Learn More
Fruttirelli$44.95
The eager parent animals are looking for food. Who will help the hedgehog, the hare, the squirrel and the badger to take all the tidbits to their families? There are enough apples, mushrooms and berries for everyone, but the food is scattered far and wide and must be collected first.

Watch out, be careful of the trees! Who keeps putting them in the way? Do not be put off; with a little bit of skill, you will manage to overcome all the obstacles. The player who is back with his or her family first and brings sufficient provisions for everyone is the winner. Let's get going!

2-4 Players
30 Minutes
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Crunch: The Game for Utter Bankers$11.95
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As the CEO of a global bank, it's your personal responsibility to do whatever it takes to ensure a comfortable retirement.

Call in government bailouts, award yourself inappropriate bonuses and - when no one's looking - embezzle as much as you can, before it all comes crashing down around you.
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Bodie, California
Category: Places
Photo and caption by Karl Hill
The ghost town of Bodie, California sits at 8400 feet near the Sierra-Nevada Mountain range. Around 1880, Bodie was a thriving gold mining town of 10,000. The stories of Bodie are legendary in the old west. When the gold played out, the miners left. Today, what's left of the town is frozen in time - a visual paradise.
Location: Bodie, California
More Places Entries »
By Phil Bouchet
By Aidas Banaitis
By Arie Hoeflak


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Alabama legislators and department heads are trying to figure out how to manage state government under the more than 10 percent budget cuts announced by Gov. Robert Bentley for the reminder of the current fiscal year, which ends Sept. 30.
Law requires that the budget be balanced and equal cuts are applied to all departments.
Department heads said they may be forced to cut or reduce some needed services, such as inspections of gas pumps to make sure when you buy 10 gallons of gas, you are actually getting 10
Some legislators are looking at ways to raise a little extra cash. But many, particularly members of the Republican majority in the House and Senate, took pledges that there would be "no new taxes" when they ran for office.


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Dr. Oz Ambushes Nurses on a Lunch Break
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A weekend spent with dad – Bluefield Daily Telegraph
Yes, they are committed to family, but they still have a life outside of the home. I am proud my dad never gave up his passion, even when the demands of fatherhood probably overwhelmed him at times. Now I know why I was the tag-a-long all those years.


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NEW YORK — John Catsimatidis, whose Red Apple Group holding company runs the grocery chain Gristedes here, is among the high bidders for Food Emporium, a published report said. Catsimatidis declined comment on his interest in Food Emporium to SN but Crain's New York Business reported his group, along with the investment bank Morgan Stanley, were high bidders for Food Emporium, a 17-store gourmet chain that owner A&P, Montvale, N.J., is reportedly shopping.
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AIKEN COUNTY S.C.--A second passenger in Wednesday's crash on Dixie Clay Rd. in Aiken County died Friday.
Tyler Gardner died from his injuries, his father, Shane Gardner, said. Tyler's girlfriend, 18-year-old Helen Reid was killed at the scene.
The driver of the Jeep Cherokee, Austin Beard, was speeding when he went off Dixie Clay Road and hit a tree Wednesday afternoon, troopers said.
Lillian Brisson, a close friend of Reid's, said the two were like sisters.
"We did everything together," Brisson said. "We went everywhere together. I can't think of a single place in the city we didn't go."
Another friend of Reid's, Michael Rich, said she was the nicest person he knew.
"She was gorgeous, funny," he said. "We had a lot of jokes. We would go to the park at like 10 at night and just sit there and laugh and just have fun."
Friends and family say they are struggling to understand why Reid's life was cut short, along with her boyfriend's.
"It was not her time," Rich said. "She was perfect."
Reid was a musician and an amazing singer, her friends said. She takes after her father with her musical ability. He plays piano for Trinity on the Hill Methodist Church in Augusta.
"The choir, which is 80-100 strong adults, (has) been doing food for the family," said Rev. Mike Cash, the Senior Pastor at Trinity on the Hill UMC. "They've already carried over one load, I'm sure that will continue. And there will be a lunch on the day of the funeral."
Speed was a factor in the wreck, investigators said. Reid and her boyfriend, Gardner, were riding in a Jeep Cherokee with Austin Beard when Beard ran off the road, flipped and hit a tree.
Friends said the wreck makes them rethink their driving habits.
"It makes me not even want to drive," Brisson said.
Friends say they are trying to take this accident as a learning experience and a reminder of how life can change in the blink of an eye.
Visitation for Reid will take place from 5 to 7 p.m. on Saturday at Platt's Funeral Home in Evans. The funeral will be at 2 p.m. Sunday at Trinity on the Hill in Augusta.


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Despite bicyclists' cries that they are regularly "bumped," or denied boarding on a packed Caltrain, a new study shows it hardly ever happens any more.
The first-of-its-kind study commissioned by Caltrain concluded that all trains have plenty of space for bicyclists.
Of the 6,631 train stops the researchers observed, only 55 bicyclists were bumped. The researchers spotted a bump at 0.2 percent of stops they observed.
Field workers from San Francisco-based Corey, Canapary & Galanis Research found that the average train carried 14 bicyclists at a given time, leaving 73 percent of the bike slots vacant. Even on the popular baby bullet trains, 62 percent of bike spaces were typically open.
The study cost $93,000 and took place over a five-week span from April to May, from Mondays through Thursdays. Every train on the schedule was observed at least once, and more than half the counts were taken during the busy commute time.
But members of the Bikes on Board project, which has been fighting for more space on trains, say they received reports of about 600 bumps from June through September. Being forced to wait for the next train can delay bicyclists by up to an hour.
Douglas Clark, a Bikes on Board member from San Mateo who, along with this wife, commutes via bike and train to San Francisco, said they get bumped about 5 percent of the time.
"Bikes getting bumped is still an issue," Clark said Friday. "There's been a number of times where we get bumped."
Group members say adding more bike space will increase the troubled agency's revenue and help it prevent service cuts.
But it's a tricky issue. Caltrain can fit two passengers for every bicyclist it can hold, since it needs space not only for the bicyclist but also for the bike. Typically, the bikes are stored on racks in separate cars, and trains have either one or two bike cars with a few dozen spaces -- up to 80 on some trains.
Caltrain recently completed a project to add about 30 percent to total bike capacity in response to the outcry from bicyclists. Officials also created a bicycle committee for riders to formally advise decision makers.
At the same time, overall ridership has declined. It's not entirely clear whether bicyclists have been riding the trains less.
Caltrain only counts its passengers every February, when bike ridership is typically down because of the weather and depends largely on the amount of rain in a given year.
About 2,700 bicyclists rode the train on an average weekday this February, down 8 percent from last year. Overall, average weekday ridership was about 37,000 in February, and bicyclists made up roughly 7 percent of the total.


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Our current Date and Time:
UpComing Events
The international Camp will be held from July 11th to July 18th, 2013 at Brankers in St Lucy. All interested units are asked to complete the required forms located here.
Guide Fair
The Guide Fair will be held on October 27th at Pax Hill.


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A program that helps teens is getting some help itself.
The Teammates mentoring program at Crete High School received $50,000 from Smithfield Foods.
The program pairs teens with adult mentors who are positive role models for high school students.
Teens says they love the program and they're not the only ones.
"The kids just absorb this, they love it. The mentors come in every week for following them through graduation. And they play games, they work on homework, they visit, talk about things going on in their family, their lives with teenagers, with middle school, stuff like that and the mentors work along side with it. And the kids just love it. And the mentors learn so much from it to," said Program Director Zoe White.
This is the second donation of $50,000 from Smithfield Foods and the second picnic to celebrate.


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"Vampire Diaries" Alum Confirmed to Play Savitar on "The Flash" S3
Comic Books, TV
Showing results 1-12 of 12
Uncanny Avengers #1
Gerry Duggan and Ryan Stegman take the helm of the Avengers Unity Squad in "Uncanny Avengers" #1, but this strange mix of characters feels anything but unified.
|October 15th, 2015
Dark Horse Presents #1
Rejoice! The best anthology in the game is back with a great first issue in "Dark Horse Presents" #1.
|August 22nd, 2014
Shaolin Cowboy #3
After a triumphant return in its first issue, Geof Darrow's "Shaolin Cowboy" #3 seems to be actively mocking its readership as if to say that they'll buy anything. Perhaps not the best way to keep readers on board.
|December 11th, 2013
Shaolin Cowboy #1
Don't worry if you never read the original 7-issue run; the new "Shaolin Cowboy" #1 is loony and beautiful, and honestly that's all you need to know with Geof Darrow's long-awaited return to the character.
|October 9th, 2013
Deadpool #3
"Deadpool" #3 from Brian Posehn and Gerry Duggan and Tony Moore continues Deadpool's fight against the evil, resurrected Presidents of the United States. It's a funny issue but nothing more.
|December 4th, 2012
Deadpool #2
"Deadpool" #2 continues the relaunched adventures of the Merc with the Mouth under the guidance of Brian Posehn, Gerry Duggan and Tony Moore. It also features some undead presidents like John F. Kennedy and George Washington.
|November 23rd, 2012
Deadpool #1
Gerry Duggan, Brian Posehn and Tony Moore deliver a rollicking adventure chock full of laughs in "Deadpool" #1 as the Merc With A Mouth takes on a cadre of dead presidents.
|November 7th, 2012
Dark Horse Presents #13
Ghost returns to Dark Horse's publishing schedule in this anthology and some other interesting stories come along with her.
|June 20th, 2012
Dark Horse Presents #11
"Dark Horse Presents" continues to provide a lot of bang for your buck.
|April 18th, 2012
Conan the Cimmerian #25
"Conan the Cimmerian" draws to a close with a muted conclusion.
|November 27th, 2010
First Wave #4
The good guys begin to band together against the bad, but things don't go so well for Doc Savage.
|September 29th, 2010
Daredevil #500
Brubaker ends his "Daredevil" run in grand fashion, and the issue is packed with great bonus material, too.
|August 20th, 2009


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The Pros:Taiyo Matsumoto's art is very stylistic and unique. The story is well-paced and engaging. Very attractive format, includes a bonus fold-out poster inside the front cover.
The Cons:Violence may be inappropriate for younger children. (Mature rating).
"In the sprawling Japanese metropolis of Treasure Town as a Disney-esque corporate empire is slowly gentrifying the darkest of its corners, Black and White live like insane Lost Boys, twin cat-shamans of the city and yin to one another's yang.
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Black is all action and cruelty, violence and rage; his maybe-brother White is love and magic, wonder and... well he's pretty violent, too. They hop from rooftop to rooftop and power-line to power-line like punk rock avatar superheroes of their chosen home, tights made of junk and capes of trash their uniforms, the abandoned cars they sleep in their headquarters. These two erstwhile boy-kings have, however, finally met their match as the cops, the crooks, and the corporate empire decide it's their turn to run the show."
-Matt Fraction, author of Casanova and Punisher: War Journal
Taiyo Matsumoto's art is very stylistic and unique.
The story is well-paced and engaging.
Very attractive format, includes a bonus fold-out poster inside the front cover.
Violence may be inappropriate for younger children. (Mature rating)
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Why are there stones around train tracks?
QuestionOn a train track, there are rocks and stones around the tracks. Why are they there?
Ian, Richmond
Name: Gary, Clapham
Qualification: Work for Network Rail
Answer: It's there to stop the track moving. It's called ballast and stops the tracks moving laterally when the trains are moving over it. Think about walking along a pebbly beach and the rocks support your weight – this works in a similar way. The stones act like a locking mechanism to keep the sleepers in place.
Is this answer wrong? Tell us what's right in the box below…


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Two years ago, the WRU decided they needed to have a good look at the way their organisation was being run. So they commissioned a "Governance Review." It's a grand title, and these things don't come cheap.
Gwladrugby has got hold of the results of this review. Without putting too fine a point on it, the whole thing is a total whitewash.
But this is the WRU. What did you expect? A transparent, independent examination of the inner workings of Welsh rugby's governing body? Don't be daft. Instead, this is a report commissioned and largely written by the WRU themselves.
A complete waste of money? Money that belongs to every member club of the Welsh Rugby Union? You bet it is.
Judge for yourselves. Here it is.
1. Introduction
The establishment of the Governance Steering Group was approved by the Board in August 2012.
The Governance Steering Group was chaired by Sir Robert Owen, a distinguished High Court Judge. Its other members were David Pickering, Gerald Davies, Roger Lewis, Gareth Williams (Company Secretary) and Rhodri Lewis (Head of Legal Affairs). It met during 2013 and its recommendations were first reported to the Board in March 2014.
The recommendations made by the Governance Steering Group covered four separate topics, namely:
• Disciplinary procedures;
• Regulatory procedures;
• Membership of the Board and sub-committees; and
• Further governance-related considerations.
The recommendations of the Governance Steering Group were reached on an unanimous basis.
2. Disciplinary Procedures
An important recommendation was that decisions of Disciplinary Panels (if not challenged on appeal) and Appeal Panels (in the event of an appeal) should be final and binding, without being subject to ratification by the Regulatory Committee or the Board.
3. Regulatory Procedures
A number of recommendations were made in respect of the Welsh Rugby Union's regulatory procedures and processes, in particular, the Governance Steering Group was concerned that there was lack of clarity in certain areas and consequently a risk of confusion as to the arrangements for the discharge of the regulatory function.
As such, the recommendations made were intended to clarify matters, in particular in relation to the setting of criteria and the process for appeals.
It was recommended that the Criteria Review Panel should continue to set the relevant criteria, but would report to the Regulatory Committee for ratification/approval. The Compliance Department should continue to determine whether the relevant criteria has been complied with and make recommendations to the Regulatory Committee which would decide whether to uphold or reject any such recommendation and make any consequential decision. There should be a single right of appeal by a Club dissatisfied with a decision of the Regulatory Committee to an Appeal Panel appointed by the Board. The decision of the Appeal Panel would be final.
Following the Board's approval of these recommendations on 29 July 2014, necessary amendments will be incorporated into the League Rules for 2014 – 2015.
4. Membership of the Board and Sub-Committees
A number of recommendations were made on which the Board decided that it would be necessary to consult with Clubs in order to receive their feedback. These relate to the ability of the Board to appoint up to two new non-Executive Directors and to limit the terms of office of non-Executive Directors. If the Board was to accept these recommendations, relevant amendments to the Articles of Association would be necessary – these would require the passing of appropriate special resolutions at the Annual General Meeting (requiring more than 75% support).
New non-Executive Directors
The Governance Steering Group recommended that the Board should be given the power to appoint two independent non-Executive Directors, one of whom should ideally be female. Any additional non-Executive Director should be appointed on merit and appointed in a manner which ensures a fair and transparent process for appointing the best available person. This should include an open application process.
It would be helpful to receive Clubs' views on the recommendation that additional non-Executive Directors should be appointed pursuant to an open and transparent application and appointment process. In particular, it should be made clear to Clubs that it would be the Board (if such a recommendation was accepted) that would have the power and ability to determine such appointments and that there would not be an election involving Clubs. Clubs may therefore be concerned that Directors would be appointed without their ratification, but it should be made clear that the current District and National elections would not be effected and that this is a way for the Welsh Rugby Union to attract qualified and experienced truly independent non-Executive Directors. This would reflect the approach of other sports governing bodies, including the RFU and SRU.
Term Limits
The Governance Steering Group recommended that non-Executive Directors' terms of office should be limited to twelve years for appointments after 1 August 2014. Such term limits would not be applied retrospectively and should exclude any period(s) served whilst representing the Welsh Rugby Union on the board/committee of the IRB, Six Nations and/or British and Irish Lions.
At the Board meeting of 29 July 2014, it was suggested that the limitation to terms of office should be expressed as being "up to twelve years".
It would be helpful to receive Clubs' views on the recommendation that the term of office of non-Executive Directors should be limited in this way.
A different limitation to terms of office of any non-Executive Director appointed by the Board could be established (e.g. a six year limit). In addition, the 'privileges' to be afforded to any such non-Executive Director would need to be considered by the Board prior to the commencement of any application process.
The Governance Steering Group also recommended that the Game Policy Committee be renamed as the Rugby Committee. This was accepted by the Board on 29 July 2014 and will need to be reflected in relevant documents, such as the Standing Orders.
5. Further Governance-related Considerations
A number of other governance-related recommendations were made by the Governance Steering Group.
Certain of these – namely, amending the Standing Orders and undertaking a comprehensive review of the Articles of Association – are necessary consequences of the acceptance of the Governance Steering Group's other recommendations. As an internal document, the Standing Orders can be amended by the Board, whilst amendments to the Articles of Association require the approval of Members at the Annual General Meeting. Given timing, it will not be possible to conclude a comprehensive review of the Articles of Association prior to this year's Annual General Meeting.
The Governance Steering Group was of the view that the Board should consider whether, on being elected as a non-Executive Director of the Welsh Rugby Union, an individual should relinquish any position held at a club. Such a provision would serve to minimise any potential conflicts of interest and would have the additional benefit of providing opportunities for others to become involved in the administration of clubs.
At the Board meeting on 29 July 2014, certain Directors expressed their opposition to such a recommendation, whilst others supported it. As such, Sir Robert Owen expressed the view that this recommendation was not agreed by all. It was accepted that this recommendation should be discussed with Clubs in order to obtain their views, but that this would be on the basis that it was explained that it was not supported by all of the Board.


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Morning MoneyBeat: Stock Splits Re-Enter Spotlight
Morning MoneyBeat is the Journal's pre-market primer packed with market updates, insights and must-read news links. Send us tips, suggestions and complaints: firstname.lastname@example.com
Click here to receive this morning newsletter via email
MARKET SNAP: At 6:00 a.m. ET, S&P 500 futures down 0.2%. 10-Year Treasury yield lower at 2.70%. Nymex up 27 cents at $101.71. Gold 0.1% lower at $1283.50. In Europe, FTSE 100 up 0.7%, DAX up 1% and CAC 40 up 1%. In Asia, Nikkei 225 down 1% and Hang Seng up 0.2%.
WATCH FOR: Weekly Jobless Claims (8:30 a.m. Eastern Time): seen 315K; previously 304K. March Durable Goods Orders (8:30): seen +2.0%; previously +2.2%. April Kansas City Fed Manufacturing Survey (11:00). Aetna, Caterpillar, Dunkin' Brands, Eli Lilly, Freeport McMoRan, GM, Hershey, Lorillard, Raytheon, Southwest Airlines, Starbucks and Visa are among companies scheduled to report quarterly results.
Apple has resurrected the debate around stock splits.
The iPhone and iPad maker Wednesday evening announced a 7-for-1 split, a move that doesn't affect the value of the company, but does put the shares within reach of more individual investors. That could boost demand for the stock.
The split will increase the number of shares one holds by seven times while lowering the price accordingly. At Wednesday's closing price of $524.75, for instance, the split would price shares at $74.96.
Shares rose 8% after the bell Wednesday as investors cheered Apple's earnings report, stock split and shareholder-friendly policies. Apple added $30 billion to its stock-buyback plan and raised its dividend about 8%, while also reporting strong iPhone sales that defied expectations of a slowdown.
But the stock split caught analysts' attention.
Splits have been shunned by companies in recent years, as higher-priced stocks have become commonplace in the market. From 2008 through 2013, an average of 12 S&P 500 companies split their stocks each year, down from an average of 64 splits a year in the 1990s, according to Howard Silverblatt, senior index analyst at S&P Dow Jones Indices.
A 7-for-1 split is even more rare. An S&P 500 company hasn't done one in at least 34 years, he said, and only three splits have been larger than Apple's plan.
So, why did Apple make such a move?
"Average investors will perceive the share price as cheap, or at least affordable," Laurence Balter, an analyst at Oracle Investment Research, told MoneyBeat Wednesday evening.
Apple was the sixth-highest priced S&P 500 stock as of Wednesday's close. A 7-for-1 split would make it comparable with the index's average price of $77.91, and thus more attractive to retail traders who otherwise might be spooked by such a high nominal price.
Academic research backs up that thesis. During the 1990s, companies that announced splits outperformed peers with similar stock profiles by 9% in the following year, according to a 2002 study conducted by David Ikenberry, dean of the University of Colorado's business school.
In a separate paper released last month, academics at the University of Illinois at Chicago's Department of Finance found that retail trading volume is higher than usual after a stock split takes place "due to traders that have never traded in that stock."
Apple could use the help: Shares are down 25% since peaking above $700 in September 2012. Over the same time frame, the S&P 500 is up 28%.
Apple isn't the only company splitting its stock. Google completed its long-awaited 2-for-1 stock split earlier this month. Overall, four companies have split their stocks this year.
From 1980 through 2010, the average price of an S&P 500 stock hovered in the $30-$50 range, according to Strategas Research Partners. That average price has been rising since the financial crisis and now, at $77.91, is at the highest level since at least 1980.
Such a high price would suggest that more splits could be in the offing.
Morning MoneyBeat Daily Factoid: On this day in 1985, one of the great new-product debacles–the introduction of a reformulated Coca-Cola–triggered a consumer backlash. Read how the WSJ covered the story.
-By Steven Russolillo; follow him on Twitter @srussolillo.
After Wednesday's closing bell, Apple said its second-quarter profit rose to $10.2 billion, or $11.62 a share, from $9.5 billion, or $10.09 a share, a year ago. Revenue also increased to $45.6 billion from $43.6 billion. Analysts surveyed by FactSet had forecast Apple to earn $10.19 a share on revenue of $43.67 billion. Apple also said it will expand its capital return program to more than $130 billion, boosting its buyback plan to $90 billion from $60 billion, and it will conduct a seven-for-one stock split effective June 9. Shares of Apple surged 7.5% in extended trading.
Social media giant Facebook late Wednesday reported its first-quarter profit nearly tripled to $642 million, 25 cents a share, from $219 million, or nine cents a share, a year ago. Excluding certain items, Facebook would have earned 34 cents a share, beating Wall Street's expectations soundly. Facebook shares gained 2.9% in after-hours trading.
On Thursday, Microsoft is projected to report third-quarter earnings of 63 cents a share, according to a consensus survey by FactSet. "We expect an upbeat tone from CEO Nadella's first earnings conference call combined with results slightly above consensus numbers," said analyst Robert Breza at Sterne Agee. "We will be looking for outlines of the new strategic directions to grow the company out of the PC era, as well as the impact of Nokia and Office 365 on fiscal year 2015 guidance."
Amazon.com is forecast to post first-quarter earnings of 21 cents a share, while Starbucks is likely to post second-quarter earnings of 56 cents a share.
Apple Moves to Reward Investors: "Apple, in a nod to restive shareholders, added $30 billion to its stock-buyback plan, raised its dividend about 8% and declared a 7-for-1 stock split, as it reported strong iPhone sales that defied expectations of a slowdown."
Heard on the Street: Apple Cooks Up an Appetizer: "A return to earnings growth should tide over Apple investors still waiting for new products."
Nigeria's Push for New Electricity: "The quest to turn the lights back on in Nigeria is pitting some of the country's richest men against rusted power lines, pilfered electricity and grenade-lobbing saboteurs."
Publicis Tries to Calm Deal Fears: "France's Publicis Groupe tried to reassure investors about the fate of its $35 billion merger with Omnicom Group of the U.S. on Wednesday, saying that it was confident the proposed new company would get necessary approval to have its fiscal residence in the U.K."
Barclays Warns of Lower First-Quarter Profit: "Barclays said Thursday that a continuing slowdown in fixed-income trading would push adjusted first-quarter profit lower than in the same quarter last year."
Pernod Ricard Seeks More Buys in U.S. to Boost Growth: "France's Pernod Ricard is looking to bolster its presence in the U.S. with further acquisitions to make up for faltering growth in some emerging markets, Chief Executive Pierre Pringuet said Thursday."
FCC to Propose New 'Net Neutrality' Rules: "Regulators are proposing new rules on Internet traffic that would allow broadband providers to charge companies a premium for access to their fastest lanes."
Mom and Pop Step Up Their Trading: "Discount brokers TD Ameritrade and E*Trade Financial on Wednesday reported big jumps in daily trading volume in the first quarter from the same period a year ago."
Ratings Firms Ride Bond Resurgence: "The revival is due largely to the absence of any major changes to the industry since the financial crisis, including a business model that is blamed for contributing to the meltdown."
Investors Embrace 'Catastrophe Bonds': "Insurance companies are taking advantage of the appetite for high-yielding debt by selling bonds that can force investors to help pay for the cost of natural disasters."
Housing Market's Foiled Spring: "It is now clear that housing's weakness is about more than the harsh winter. But the market may not be in as bad shape as investors fear."
Facebook Advertises Its Strength: "Facebook's quarterly results showed strength in its core business, giving CEO Mark Zuckerberg room to keep figuring out how to make money from Instagram, WhatsApp and Oculus."


text: Dallas Cowboys Camp Picture of the Day – Collision Vernon Bryant / Photographer Email email@example.com Published: July 27, 2013 11:44 am Facebook Twitter Email Comments Print Dallas Cowboys defensive back Brandon Underwood (23) knocks over Dallas Cowboys secondary coach Jerome Henderson after a play during the afternoon practice at Dallas Cowboys training camp in Oxnard, California on July 26, 2013. (Vernon Bryant/The Dallas Morning News) Click here to see photos from Day 5 of the Dallas Cowboys training camp. Editor Picks