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Description of this paper
ACC - Pringle Company
Question;SalesVariable ExpensesContribution marginFixed ExpensesNet operating incomeTotalPer Unit$600,000.00$40.00$420,00028$180,000.00$12.00$150,000$30,000.001Unit sales to break evenUnit sales in dollars1250050000023 18000=$12xQ-$150,00012xQ=$18,000+150,000=168,000168000/1214,000 need to be sold4 SalesBreak even salesMargin in Safety $$Margin safety %5 CM RatioSalesVariable ExpensesContribution marginFixed ExpensesNet operating income600,000500,000100,00016.67%30.00%PresentExpected Increase$600,000.00 $680,000 $80,000.00$420,000 $476,000 $56,000.00$180,000.00 $204,000 $24,000.00$150,000 $150,000$0.00$30,000.00$54,000 $24,000.00Pringle Company distributes a single product. The company's sales and expenses for a recent month follow:Pringle Company distributes a single product. The company's sales and expenses for a recent month follow:p. 216Required:1. What is the monthly break-even point in units sold and in sales dollars?Without resorting to computations, what is the total contribution margin at the break-even point?How many units would have to be sold each month to earn a target profit of $18,000? Use the formula method. Verify your answer by preparing a contribution format income statement at the target level of sales.Refer to the original data. Compute the company's margin of safety in both dollar and percentage terms.What is the company's CM ratio? If monthly sales increase by $80,000 and there is no change in fixed expenses, by how muchwould you expect monthly net operating income to increase?
Paper#43212 | Written in 18-Jul-2015Price : $19


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He looks like Jose Morhinho to me...
Gupta-owned Oakbay Investments has questioned the timing of Finance Minister Pravin Gordhan's legal .
There were chuckles from Group A rivals when Cape Verde coach Luis Antunes said before the 2013 Africa Cup of Nations that his team were capable of reaching the quarter-finals.
But Angola and former champions Morocco and South Africa realise now that the air traffic controller on a three-year sabbatical to handle the Blue Sharks was not joking.
After the first series of pool matches, the Africa Cup debutants from the 10-island archipelago of 500,000 people off the coast of Senegal are level on one point with the more fancied trio after both opening games ended goalless.
It could have been even better for the team that eliminated four-time Cup of Nations winners Cameroon as they missed the best chance of a drab draw against South Africa when Platini shot tamely wide with only the goalkeeper to beat.
Cape Verde face Morocco at Moses Mabhida Stadium in Durban on Wednesday in the second half of a double-header that kicks off with South Africa against Angola and a win for the islanders would move them within sight of the quarter-finals.
"The result against South Africa has given my squad enormous confidence. We had the better chances in that match despite facing the host nation in front of 80,000 supporters," said Antunes.
"I am so happy and so are the people back home. No one really took us seriously before the competition kicked off, but now they know we are no whipping boys."
"We were well organised at the back, restricting South Africa to a couple of half chances, and now we must improve our sharpness up front to achieve a beautiful dream and reach the quarter-finals."
Morocco also know that victory would leave them well placed to make the round of eight and succeed where the Atlas Lions of 2006, 2008 and 2012 failed and won only two of nine matches.
It is a disastrous record for one of the strongest football nations on the continent and their lone Cup of Nations title came 37 years ago in the last championship decided by mini-league rather than knockout matches.
Coach Rachid Taoussi, who succeeded Belgian Eric Gerets last year after a 2-0 loss in Mozambique threatened to derail the qualifying campaign, says his team must become more clinical inside the box.
"We created space and moved the ball around well against Angola, but did not punish them. However, I must be patient as we have a young team with an average age of 24 and we are building.
"Let us remember that Angola are a good team with excellent strikers and I believe we can offer more in our games this week against Cape Verde and South Africa," said the coach.
That means improved performances from wide men Noureddine Amrabat and Ossama Assaidi and central striker Mounir El Hamdaoui, all of whom faded after bright starts against the Angolans.
It also means tightening a Mehdi Benatia-marshalled defence that nearly gave away a late goal with Manucho and former Switzerland under-21 striker Guilherme Afonso queueing unmarked to meet a cross that flashed just wide of the far post.
He is Jose Morinho's brother , someone must conduct DNA test, one father must have been naughty back then, this a scandal in waiting
Bye Bye Sowetan, I rather buy Daily Sun form now on, goodnight Sowetan sweet dreams.
He looks like Jose Morhinho to me...
it is him. Sowetan you are bored siyabona
Sowetan seems to be making alot of bloopers.Does the editor not read the article's before publishing? I can proof read them if they need me too....Sowetan you not the ANC be a little more professional.Your advertisers surely can be picking up on your operations
Sowetan sports online editor is drunk. Maybe he overslept in Mbombela...........Even a grade A child could tell that the man in the pic is "The Special one".
@Sowetan this picture is not Cape Verde Coach, but the Special one, Cape Verde coach is Black like me, not a White person. just because he is a friend of Morhinho, that does not make him Jose
Jose Morinho's father has his roots in Cape Verde and their coach is a good friend of the Special one's. now go out there and make proper research, you lazy poephols.
That shub be the pic of the special 1 Sowetan please!
@SOWETAN you mad neh!! that men on the pic is definitely not da Cape Verde coach.
Someone @SOWETAN is not doing his job.


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Articles published in Eurozine
Critique of humanitarian reason
Never have there been more refugees in the world as today: an estimated 45 million in total. So what's the current relationship between international law, emancipatory politics and the rights of the rightless? Seyla Benhabib on the urgent need to create new political vistas. [Swedish version added] [more]
Between hegemony and mistrust
Representative democracy in the Internet era
Iceland's crowd-sourced constitution and the impact of Beppe Grillo's blog on Italian politics reveal how "Internet democracy" has opened a new phase of democratic innovation. The relationship between citizens and politicians may never be the same again. [Italian version added] [more]
Gülen, Erdogan and the AKP
Behind the scenes of the power struggle in Turkey
Ahead of local elections at the end of March and presidential elections in August, Tigrane Yegavian looks into the influence that the Gülen movement wields in Turkey and beyond; and why this puts it on a collision course with the ambitions of its former ally, prime minister Erdogan. [more]
The dialectic of secularization
The opposition between "multiculturalism" and "Enlightenment fundamentalism" is misconceived, argues Jürgen Habermas. "The universalist claim of the political Enlightenment does not contradict the particularist sensibilities of a correctly understood multiculturalism." [more]
Democracy and philosophy
Moral insight "is a matter of imagining a better future, and observing the results of attempts to bring that future into existence". In "Kritika&Kontext", Richard Rorty (1931-2007) outlines the anti-foundationalist premise of his philosophy. [more]
On Reason
Reason's greatest rival is not religion, but revolution, writes Iranian philosopher Abdolkarim Soroush. "The first resource that is squandered in a revolution is rationality and the last thing that returns is rationality. If it ever returns." [more]
The question of tolerance in Islamic societies
Today's Muslim societies must consider afresh the question of tolerance, and ask why they find themselves mired in indecision and resentment, says Abdesselam Cheddadi. [more]
Fanaticism: A brief history of the concept
The label "fanaticism" is increasingly attached to the perceived threat posed by religious fundamentalism. But rarely is the history of the term and the variety of its uses examined. [more]
Ideas whose time has come
A conversation with Iranian philosopher Ramin Jahanbegloo
"For me as an Iranian philosopher, thinking differently is a form of going beyond the challenges of my daily life in Iran. It's an opening up to the world which goes hand in hand with the act of being free." [more]
The role of religion in establishing social cohesion
Nostalgia about a religious past will not help solve the question of a "European soul". Instead, the weakening of religion could prove a starting point for a reconsideration of Europe's religious heritage. [more]
The Islamist identity
Islam, European public space, and civility
It is not distance from, but proximity to modern life that triggers a return to religious identity among migrant Muslims in Europe, says Nilüfer Göle. The religious self for individual Muslims is being shifted from the private to the public realm. [more]
Islamic evangelism
Islam in Europe
Religious and political radicalism among European Muslims is less an import from the cultures and conflicts of the Middle East than a consequence of the globalization and westernization of Islam, writes Olivier Roy. [more]
Post-secularism: A return to the public sphere
During secularization, says Klaus Eder, religion did not disappear completely. It only became invisible to the public sphere. In Europe, this was a result of the two dominant Christian religions -- Protestantism and Catholicism -- which drove other religious beliefs into the private sphere. He terms the recent return of religion to the public sphere post-secularism. [more]
European secularization: A special route to post-secular society?
A theoretical note
Post-secular society is the contradictory and uncontrollable counterpart of the secular state. Both are accelerated and regulated by a third actor: a public sphere formed by the mass media. [more]
Beyond the clash of intolerances
Today, we are not experiencing a clash of civilizations, but a clash of intolerances. "We must encourage opposing forces to adhere to values of moderation, tolerance, and non-violence", says the Iranian philosopher. [more]
Beliefs in the US. Between new fears and old responses
On the differing roles of religion in the public sphere in the US and Europe: "Have you ever heard the German chancellor say 'God bless Germany'?" Reset editor-in-chief Giancarlo Bosetti talks to Seyla Benhabib. [more]
Putting all of Europe in one room
The creator of Deliberative Polling looks at the possibilities for bringing Europeans from all 25 member states together, informing them on issues of public importance, and encouraging them to discuss and question these issues. [more]
Wow! There are other models
Bringing public service television principles to Italy
A look at examples of public service television abroad that can serve as models for the way Italian television should be -- informative, motivating, and unbiased. [more]
The legislation of 1905
Should France's laws from 1905 regulating laïcité be reformed after a century of changes in the religious composition of French society? [more]
Auto-Emancipation and anti-Semitism
Homage to Bernard Lazare
Does emancipation create freedom and equality? Mitchell Cohen takes a closer look at the process of emancipation and the Jewish experience. [more]
A genuinely Italian fraud
Marco Onado recapitulates the Parmalat-scandal and explains what is so uniquely Italian about it. [more]
Migrants' nostalgia - alleviated through hospitality
Nuruddin Farah on the notion of "diaspora", migration, and life in different parts of the world. [more]
The world as a problem and USA as its solution?
Behind the recent conflict between America and Europe lies a radical shift in policy. But this shift has not been made in Germany, in France or in any of the other countries in "old Europe", writes Göran Rosenberg. What has happened, took place in the White House. [more]
How the empire generates friends and enemies
Göran Therborn on the return of the cold war and the enigma of religous fundamentalism. [more]
"Global is Not Always Cosmopolite"
An Interview with Saskia Sassen, by Nina Fürstenberg.
Saskia Sassen on the distinctions between television, internet and the different social relationships they involve. [more]
Articles published in the partner section
Italia 2008, la politica cambia colori
Leggere on line, che fatica
What will happen to reading in the face of electronic technology, where the supply of texts is growing even faster than it did as a result of the printing press? And what about the problem of copyright? [more]
Summary for Reset 96
Scoperta: gli argomenti tornano a contare?
Sotto osservazione i regimi dell'est europeo
I recenti sviluppi nell'Europa Orientale e nell'ex Unione Sovietica suscitano forti preoccupazioni sul sistema maggioritario e i diritti individuali. John Elster elabora perchè. [more]
Ecco il mondo delle reti
Intervista a Manuel Castells di Giancarlo Bosetti
Manuel Castells risponde alle domande riguardanti la sua opera Letà dellinformazione: economia, società, cultura. L'autore parla inoltre del ruolo peculiare della criminalità nella società, della identità europea a suo parere inesistente e di poesia. [more]


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"We generated $13.5 billion in cash flow from operations and returned almost $21 billion in cash to shareholders through dividends and share repurchases during the March quarter. That brings cumulative payments under our capital return program to $66 billion."
-Apple CFO Peter Oppenheimer
Apple (NASDAQ:AAPL) flexed its muscles yesterday to remind everyone in the world that it's likely the most fundamentally sound company to ever exist.
Going into earnings yesterday, Apple stock had calmed down a bit - posting 29.4% gains over the last 12 months, but losing 6.5% since the beginning of 2014.
Often, I end my Apple articles by reminding readers that I think Apple is the most fundamentally sound company on the planet. Yesterday, we got to see a little bit of what happens when the beast decides to wake up and show off its strength a bit. Apple announced earnings after market yesterday, and completely blew the lid off of what was expected of it.
Apple reported EPS of $11.62, which beat by $1.44 - and revenue of $45.65 billion, which beat by $120 million. Both lines smashed estimates in what was supposed to be Apple's weakest quarter.
In addition to posting its fantastic numbers, Apple also announced a 7:1 stock split, raised its buyback from $30 billion to $90 billion, and raised its dividend by 8% to $3.29.
The split of the share price is going to open up Apple's floodgates to a whole new level of retail investors. We are likely to see people pouring into this stock in a manner in which we haven't in years. Additionally, with the added security of the dividend, investing in Apple for value (alongside companies like Coke, J&J, 3M, etc.) is going to be a more prudent reality.
(click to enlarge - source Apple)
In addition to both lines crushing estimates, stronger iPhone numbers also helped fuel Apple after-hours. iPhone revenue increased by 17% YOY. Additionally, one area that I was concerned with, the iTunes store, continues to perform well. iTunes posted revenue gains of 11% from last year.
Seeking Alpha elaborated on the details of emerging market success and Apple's recent buying spree:
- Apple aims to deliver annual dividend hikes going forward, new CFO Luca Maestri states on the CC. With the company's domestic cash balance now at $18B, Apple will once more tap debt markets to help pay for its dividend and freshly-expanded buyback program. (CC live blogs: I,II)
- Tim Cook partly attributes FQ2's soft iPad sales to inventory changes; slowing tablet market growth might also be playing a role. iPad ASP was at $465, up from $440 in FQ1 and $439 in FQ4 (suggests a mix shift towards the iPad Air).
- Healthy emerging markets demand contributed to iPhone strength - BRIC sales hit a record, thanks in part to China Mobile (NYSE:CHL). iPhone ASP came in at $596 vs. $637 in FQ1 and $577 in FQ4; Maestri suggests a mix shift towards the 4S contributed to the Q/Q drop.
- Cook states Apple has bought 24 companies in the last 18 months - some are known to the public, but not all - and is "on the prowl" for deals. "We look for companies that have great people and great technology and that fit culturally and we don't have a rule that says we can't spend a lot or whatever."
Additionally, as I wrote about in my earnings preview, Apple sought to unlock even more value for shareholders - opening the floodgates and spilling over $130 billion to give back to shareholders. I concluded this article days ago by stating:
As one of the most fundamentally sound companies in history - with over $150 billion in cash in the bank - Apple always remains a good pick for long-term growth, in this investor's opinion. Aside from its rock solid fundamentals, the company has tons of cash to do their business with and continues to offer shareholders the safety of a dividend.
Then, a day before earnings, I went out and nibbled on some Apple calls. I disclosed the position in my StockTalks and on my Twitter. It was a decision I'm already reaping the benefits of.
The bears have been meekly taking to Twitter to try and manufacture an argument against the company - namely, that the company failed to announce a product release and will be lost without one heading out of this quarter. Clearly that's not going to be an issue for Apple.
Not only was this last quarter statistically supposed to be one of the worst for Apple, as it's when the company's product cycle refreshes, but analyst sentiment was "not to expect too much" when Apple reported after the bell. CNBC actually led with that headline for most of yesterday - although I'm unable to find the image, the headline was from an analyst who was expecting $9.75/share EPS. I guess that didn't work out.
Even this morning, questions about the product were listed above the powerhouse results that Apple reported yesterday.
Calm down, CNBC. The products are coming, I assure you. And when they do come, they're going to kick your butt. Why isn't the focus on the amount of iPhones Apple was able to move in a quarter where it was heralded that they wouldn't be able to sell enough because people were waiting about the iPhone 6? Can we stop fantasizing about products for just two short minutes to see that Apple is an absolute juggernaut of a company? With these metrics, I wouldn't care if Apple was selling hot dogs, it's an impressive company.
Back to products. A long time ago, I wrote an article about whether or not Samsung (OTC:SSNLF) would steal Apple's thunder from being the first to the smartwatch niche.
I concluded:
For Apple, it hasn't really been about timing (possible exception being the iPhone), it's generally been about the quality of the product. Apple is of the mindset that they are producing the best quality and most innovative products in the world, and while they have a concern with shipping in a timely fashion, it's not what their model is based on.
You have your Apple cultists that have already committed themselves to the iWatch, before it's even arrived. And, you have your Apple "Ecosystem" crowd, who are already familiar with the brand. Finally, you have your Apple elitists that have bought into the fact that Apple is trying to simply create better and more innovative products than competitors.
Apple has a knack for tapping into new markets. It did it first when it started into the mp3 business, and it carried that over and morphed it into the iPhone. From there, it was the tablets. Every single new product it makes is nicer to look at than what's currently out there, and offers superlative new function. Apple only seems to enter into a market if it can be the best.
There hasn't been anything that has made major media in the world of wristwatches for as long as I can remember. After Samsung could actually be the best possible time for Apple to enter into this market - like a prize fighter waiting for his/her opponent to exhaust themselves first before striking.
No doubt, Apple's product is going to exceed the mark in quality and set the standard for what other smartwatch makers are going to want their watches to be able to perform.
So, the products are coming, and will be worth the wait.
"We're very proud of our quarterly results, especially our strong iPhone sales and record revenue from services. We're eagerly looking forward to introducing more new products and services that only Apple could bring to market."
-Apple CEO Tim Cook
The Apple calls that I bought don't expire until June, and I plan on holding them. Fueled by the buyback, impressive numbers, and coming new products, I believe Apple has the potential to see $600 relatively soon. So much for the "Microsoft (NASDAQ:MSFT)-esque trading range" headlines that were plastered about just months ago.
Apple was trading at $564 pre-market this morning.
Congratulations to Apple longs.
Disclosure: I am long AAPL. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Zimbabweeans Approve New Constitution in Referendum
Zimbabweans approved a new constitution to set up fresh elections later this year that will pit President Robert Mugabe against his longtime rival, Prime Minister Morgan Tsvangirai.
The constitution was passed with 3.08 million votes in favor and 179,489 against in the March 16 referendum, the Zimbabwe Electoral Commission said today in the capital, Harare. There were 56,627 spoiled ballots. Both Mugabe's Zimbabwe African National Union-Patriotic Front and Tsvangirai's Movement for Democratic Change called for a yes vote.
The vote was a pre-requisite for presidential elections in line with an agreement brokered by the 15-nation Southern African Development Community following disputed polls in 2008 that international observers said were marred by violence. SADC and the U.S. called the referendum peaceful.
"Since the majority of votes were received in favor of the adoption of the draft constitution, the draft constitution is declared to have been adopted by the people of Zimbabwe as the constitution of Zimbabwe," Chief Election Officer Lovemore Sekeramai told reporters in the capital, Harare.
Mugabe and Tsvangirai have shared power in a coalition government since 2009. Zimbabwe holds the world's biggest platinum and chrome deposits after South Africa and also has reserves of coal, diamonds and gold.
The new constitution restricts the president to two five- year terms and requires a two-thirds vote by members of parliament to approve a state of emergency. It also guarantees Zimbabweans freedom from torture or degrading treatment and bans detention without trial, while security forces are barred from being members of a political party or group.
Land Ownership
Provisions on land ownership in the new constitution mean white-run commercial farms won't be returned to their former owners.
Mugabe, 89, who's ruled the southern African nation since independence from the U.K. 33 years ago, isn't barred from contesting elections as the presidential term limits aren't retroactive.
Western nations and international human-rights groups have accused Mugabe of rigging elections since 2000 and brutalizing his opponents to cling to power.
To contact the reporters on this story: Godfrey Marawanyika in Johannesburg at firstname.lastname@example.com; Brian Latham in Johannesburg at email@example.com
To contact the editor responsible for this story: Nasreen Seria at firstname.lastname@example.com


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97% of Americans live unhealthy lifestyle, according to study
According to a study published in Mayo Clinic Proceedings, less than three percent of Americans meet the basic qualifications for a healthy …
Sponsored by:
According to a study published in Mayo Clinic Proceedings, less than three percent of Americans meet the basic qualifications for a healthy …
A lot of people try to play catch up on the weekends to make up for the weeknights when they get behind.
Researchers have been able to make simple, 2-dimensional sheets of tissue cells before, but this is a 3D organ. It could eventually allow do…
It is a natural process where your brain sheds the memories you formed long ago — memories you don't necessarily use of need anymore.
The study authors say the parasite may change brain chemistry, which can have behavioral effects.
Key to longevity: staying active
Some of this is common sense that parents know, but other relatives might not.
Roswell President and CEO Dr. Candace Johnson appeared on Wake Up! Thursday morning to discuss vaccine development.
The U.S. Food and Drug Administration says the cases of tuna could contain spoilage organisms and pathogens.
A doctor is putting parents minds at ease when it comes to feeling guilty about how your baby sleeps.
The doctors found women's brains are more complex.
It uses a vacuum type system to first numb the targeted dimples.
BUFFALO, N.Y. (AP modified) — New York state health officials are investigating a possible mumps outbreak at SUNY Buffalo. The state Departm…


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Strategy shift, robust markets boost gains for Japanese Wisdom Advanced
Brisk trading in Japanese stocks has helped to drive solid performance from the Wisdom Advanced Fund, which delivered an impressive 37.9% return in the first half of the year.
The Japanese equity market-neutral strategy, which is run by Tokyo-based Epic Partners Investments, has $42 million in assets under management.
Furthermore, a tweak in the fund's investment strategy earlier this year also helped to "squeeze more profit out of investments in the period," said company investor relations manager Mitsuhiro Matsunaga.
"While previously the fund was very much value-oriented, we are now looking for multiple approaches to investing, including event-driven.


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Looking for a Used Equator in your area?
CarGurus has 58 nationwide Equator listings starting at $6,995.
2012 Suzuki Equator Overview
For the second model year in a row, Suzuki has made virtually no changes to the Equator, its offering in the midsize pickup truck segment. All 2012 trims now come equipped with vehicle dynamic control, and three new exterior color options are now available. With seven trim options, along with multiple cab and truck bed sizes, Suzuki apparently feels well-suited to compete against the likes of the Nissan Frontier and Toyota Tacoma.
The trims available for the 2012 Suzuki Equator are the Base Extended Cab, with or without Comfort Package, the Premium Extended Cab, the RMZ-4 Crew Cab 4WD, the Sport Crew Cab, the Sport Crew Cab 4WD and the Sport Extended Cab 4WD. The Base Extended Cab, Premium Extended Cab and Sport Crew Cab trims are rear-wheel drive (RWD) and come standard with a 152-hp, 2.5-liter, 16-valve, DOHC, digital fuel injection 4-cylinder engine with variable valve timing that is rated at 171 lb-ft of torque. The 4WD trims are equipped with a 4.0-liter, 24-valve, DOHC digital fuel injection V6 engine with variable valve timing that achieves 261 hp and 281 lb-ft of torque. The Base Extended Cab trims come with a 5-speed manual transmission, while the remaining trims come equipped with a 5-speed automatic. All run on regular gasoline, with the Base Extended and Sport Crew Cab trims estimated to get 19 mpg city/23 highway, the Premium Extended Cab to get 17/22 and the 4WD trims to get 15/20.
All 2012 Suzuki Equator trims come factory-equipped with folding exterior mirrors, power-assisted steering, a manual-tilt urethane-wrapped steering wheel, cloth seating surfaces, front bucket seats with center console storage, front flat-fold passenger seats with backboard, rear 60/40 split seats, rear under-seat storage with a lid-removable box, rear doors, windows and back privacy glass, variable intermittent wipers, a zero-maintenance self-adjusting timing chain and 15-inch steel wheels with General Grabber AW tires.
Upgrading to the Comfort Package adds air conditioning to standard equipment. Selecting the Premium Extended Cab trim adds power windows with driver-side auto down, power door locks with remote keyless entry, cruise control with steering-wheel-mounted controls, premium cloth seats, a sliding rear window with lock and 16-inch aluminum alloy wheels with BF Goodrich Long Trail tires as standard equipment. All Sport trims come standard additionally with limited-slip traction control (either 2-wheel or 4-wheel) and 17-inch aluminum alloy wheels with BF Goodrich Long Trail tires.
Numerous safety features are found on all 2012 Suzuki Equator trims. These include a dual-stage driver and front passenger airbag supplemental restraint system, roof-mounted curtain side-impact and rollover supplemental airbags for outboard occupant head protection, front seat-mounted side-impact supplemental airbags, active front seat headrests, a tire pressure monitoring system, 4-wheel ventilated antilock disc brakes with electronic brakeforce distribution and vehicle dynamic control.
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2012 Suzuki Equator Top Comparisons
Users ranked 2012 Suzuki Equator against other cars which they drove/owned. Each ranking was based on 9 categories. Here is the summary of top rankings.
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Suzuki Equator Links
- Base Ext Cab
- Base Ext Cab w/ Comfort Package
- Avg. Price: $12,335
- Premium Ext Cab
- Avg. Price: $13,407
- RMZ-4 Crew Cab 4WD
- 4 national listings
- Avg. Price: $18,650
- Sport Crew Cab
- 3 national listings
- Avg. Price: $14,752
- Sport Crew Cab 4WD
- Avg. Price: $17,286
- Sport Ext Cab 4WD


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Outlast Stay Fabulous 3 in 1 Foundation claims to offer the "lasting power of a primer, coverage of a concealer, and blendability of a foundation." That sounds great, but this product won't replace your primer or concealer, and it isn't a foundation worth recommending either.
It loses major points for its low SPF. To get adequate sun protection, you should use products rated SPF 30 or higher, so that automatically means you'll need to pair this with a more reliable form of SPF.
As for this functioning as a primer, it contains the same types of ingredients CoverGirl includes in most of their other foundations, so there's really nothing special about it. Furthermore, despite what you may have heard, primers aren't necessary for successful makeup application. You can get the same results, and treat your skin to anti-aging ingredients, by applying a well-formulated serum.
Otherwise, this basic liquid formula is easy to blend and offers sheer to medium coverage (not what we would equate to concealer-like coverage as they promise).
The shades will cover a wide range of light to deep skin tones, but most of the light to medium colors suffer from pinkish undertones. The matte-finish formula is great for normal to oily skin types and does hold up throughout the day, but this is not a foundation we can recommend either for sun protection or for a unique way to get the benefits of three products from one.
The formula contains fragrance in the form of ethylene brassylate, but at such a low amount it is not likely to be irritating.
(based on 20 reviews)
Ratings Distribution
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
of respondents would recommend this to a friend.
Best Uses
Most Liked Positive Review
Deserve more than 1 star
I wish the review for this weren't so overwhelmingly negative and based on factors that don't matter to the average person. Maybe it isn't a 5 star foundation for everyone, but it certainly can...Read complete review
I wish the review for this weren't so overwhelmingly negative and based on factors that don't matter to the average person. Maybe it isn't a 5 star foundation for everyone, but it certainly can do better than 1.It might be annoying that this doesn't live up to its claims but get over it. This is still a good foundation. I'd like to see bad ratings for real concerns like alcohol content or large amounts of fragrance.The fact that the sunscreen in this foundation isn't effective is not something I care about. I get my spf from a sunscreen everyday. I do not find this cakey on my dry skin. It is matte, but in a beautiful airbrushed way. This photographs beautifully, doesn't break me out, and has close to full coverage. I stayed away from this for a long time because I have dry skin. I'm glad I finally gave it a chance.
Most Liked Negative Review
Shows up quite grey
This foundation show up quite grey when I first apply it and oxidizes to some odd shade of pink. It blends decently and it stays put but I hate this. I can feel...Read complete review
This foundation show up quite grey when I first apply it and oxidizes to some odd shade of pink. It blends decently and it stays put but I hate this. I can feel it. If you apply to much it feels very mask like and almost like it doesn't quite set. I am pretty fair skinned but this just pulls so pink and grey. I wanted to like it cause of the pump and staying power
Reviewed by 20 customers
Displaying reviews 1-10
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(1 of 1 customers found this review helpful)
Really love this foundation!!
By Jillybeanz
from staten island, new york
About Me Budget Buyer
Comments about CoverGirl Outlast Stay Fabulous 3 in 1 Foundation SPF 20:
I love this product. Sad to find out that experts don"t reccommened though!!
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
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(2 of 2 customers found this review helpful)
Perfect Coverage
By Judy
from Ohio
About Me Brand Buyer
I was looking for a simple, quick foundation that I could use everyday just to cover a few discolorations on my skin and around my eyes. I was so surprised to find this foundation to go on so smoothly and make my skin tone so even. I am 76 and I use eye drops that cause the skin around my eyes to appear red and this foundation covered that plus the small discolorations on my face. I used a makeup sponge to apply. I use a 50 SPF moisturiser so did not care about the low amount in the foundation. My skin has a definite pinkish cast and most foundations look too yellow and I can't get a good match. I bought Natural Beige and it was perfect. I really love this. I bought the Cover Girl Outlast Luminous too, and I use this for a second very light coat just on my cheeks to give my skin a dewy glow. I am so satisfied with these products. It is necessary to experiment as everyone's skin is different and it was fun to try these as they didn't cost a fortune. My skin is just normal, not dry and not oily and I live in Ohio so I don't have a humid or dry climate.
(8 of 8 customers found this review helpful)
By Brooke
from Maryland
(4 of 4 customers found this review helpful)
Absolute love!
By Car r ie
from Orange County
I love this foundation! It is as close to perfect as I've ever found. I don't depend on it for my sunscreen needs so I can ignore the negative "expert" review. Most everything I love has a negative review on here so what's new.
Fantastic with the right serum
By Sandra Mc
from undisclosed
It seems women either love or hate this foundation. I've worn this for nearly two years, the only foundation I use. Two things: my skin must be well exfoliated, and it may change color unless I apply a drop of CG's Simply Ageless Serum Primer after moisturizing. No need for powder, and at age 65, I am frequently complimented on my complexion. I seldom need concealer, unless I have dark circles from lack of sleep.
By Allison H.
(3 of 3 customers found this review helpful)
By Anonymous
This foundation is, imo, a better product than the Revlon Colorstay for me. I apply it with fingers and blend with a damp, flat topped brush for an airbrushed finish. I agree, it may not live up to the 3 in 1 claim, but it's the best drug store foundation I've found and I highly recommend it! It can be sheered down beautifully too! Rivals dept. store foundations!!
(0 of 1 customers found this review helpful)
Looks very cakey
By Morgan S.
I really wanted to like this foundation. I always apply an SPF of 50 underneath my foundation anyways (SPF 20 isn't going to help my pale skin much), so I don't mind much about the sunscreen claims, however I was expecting this foundation to blend smoothly and have a thinner consistency based on reviews I had read on the product. This is very thick and difficult to blend and once it is blended out it looks very cakey and accentuates every fine line and wrinkle. Fail foundation in my book.
(2 of 3 customers found this review helpful)
By Giselle H.
This foundation is just ok. I don't like it but I don't hate it. I've always had massive trouble trying to find the right color of foundation but this comes out orange-y after you apply it. I mix it with moisturizer (a lot of moisturizer) to try to get the color to lighten up a bit, but it doesn't seem to work too well. It does go on a bit cakey too. I have oily skin, THIS IS NOT FOR OILY SKIN! If you don't use a powder this will make you oily. Make sure you research this before buying it.
Classic Ivory was a perfect match but caused me to breakout. Not good for dry or flaky skin. .
All-in-one foundation with a long-lasting formula that fuses primer, concealer, and foundation in one easy step! The 3-in-1 formula provides a flawless look that lasts all day long.
Active: Ensulizole (3%). Other: Water, Cyclopentasiloxane, Propylene Glycol, Talc, Dimethicone, Aluminum Starch, Octenylsuccinate, Sodium Chloride, PEG/PPG-18, PVP, Benzyl Alcohol, Phenoxyethanol, Sodium Hydroxide, Ethylene Brassylate, Copolymer, Trihydroxystearin, Arachidyl Behenate, Methicone, Silica, Synthetic Wax, Sodium Benzoate, Hexyl Laurate, Polyglyceryl-4 Isostearate, Cetyl PEG/PPG-10/1 Dimethicone, Isopropyl Titanium Triisostearate, Ethylene Brassylate, Behenic Acid, Polyethylene, Iron Oxides, Titanium Dioxide
CoverGirl At-A-Glance
Strengths: Inexpensive and widely available; a hugely improved selection of foundations, several with reliable sunscreen; good concealers; enviable pressed powders; some fantastic Lash Blast mascaras; mostly great eyelining options; a vast selection of lip color options, from the long-wearing Outlast to sheer lip glosses to the wholly impressive Lip Perfection lipstick; several great options in the Queen Collection.
Weaknesses: The older foundations are seriously lacking; the newer Advanced Radiance foundation has great texture but disappointing SPF rating; powder blush and eyeshadows; terrible makeup brushes; all of the "Clean" products contain irritating ingredients.
Since 1961, CoverGirl has been slowly building a portfolio of cosmetics that today is about as all-encompassing as a makeup line can be. Originating from the same "medicated" ingredients found in Noxzema Skin Cream (which was never medicated in the least, but seriously irritating for skin), the debut products are still available, albeit with slight modifications. The good news is that for the past several years CoverGirl has consistently updated their line with some very impressive products, especially their foundations, concealers, and vastly improved pressed powders. They also offer some excellent eye and lip pencils, lipsticks and lip gloss, and one of the all-time best long-wearing lip paints, Outlast.
What's puzzling is that although many of CoverGirl's latest products are progressive, they tend to hang on to the lackluster-to-poor options, including abysmal powder blush and eyeshadows and their long-standing, very irritating Clean Makeup. These items may be part of CoverGirl's humble beginnings, but you certainly don't see parent company Proctor & Gamble adding eucalyptus oil and menthol to their Olay products or to products of any of the other cosmetics companies they own. If those ingredients were so important, why not use them everywhere? Needless to say, the great products outnumber the disappointments, and the prices make it easy for those on a budget to be beautiful and enjoy some state-of-the-art products, provided they shop wisely.
CoverGirl's Web site is extremely easy to navigate, and presents a wealth of product information, along with practical (if somewhat cutesy) tips and tricks for successful makeup application and for finding the shades that work best for you. CoverGirl's consumer relations department is consistently helpful if you have any questions or concerns. For example, if one of your favorite items was discontinued, you might want to know what replaced it, and they will let you know. Such service and customer concern is yet another powerful reason to believe CoverGirl really has its (class) act together.
For more information about CoverGirl, owned by Coty, call (800) 426-8374 or visit the Web site at www.covergirl.com.
The Beautypedia and Paula's Choice Research teams have one mission: To help you find the best products for your skin, whether they're from Paula's Choice or another brand. By combining efforts, we're able to share scientific research and remain committed to the highest standards based on our decades of experience objectively reviewing thousands upon thousands of skincare and makeup formularies in all price ranges.
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Reviewed Work: An Island Assembly: The Development of the States of Guernsey, 1700-1949 by Richard Hocart
Review by: J. M. Prest
The English Historical Review
Vol. 107, No. 423 (Apr., 1992), p. 500
Published by: Oxford University Press
Stable URL: http://www.jstor.org/stable/575179
Page Count: 1
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- Article
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Note: This article is a review of another work, such as a book, film, musical composition, etc. The original work is not included in the purchase of this review.
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The English Historical Review © 1992 Oxford University Press


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Rum Whipped Cream
- 1 cup (1/2 pint) cold heavy cream
- 3 tablespoons sugar
- 1/2 teaspoon pure vanilla extract
- 1 tablespoon dark rum
Whip the cream in the bowl of an electric mixer fitted with the whisk attachment. When it starts to thicken, add the sugar, vanilla, and rum. Continue to whip until it forms stiff peaks. Serve cold.
2002, Barefoot Contessa Family Style, All Rights Reserved
CATEGORIES:View All
Cooking Tips
More Recipes and Ideas
Lemon-Vanilla Whipped Cream
Recipe courtesy of Valerie Bertinelli
Almond and Chocolate Whipped Cream Trifle
Recipe courtesy of Rachael Ray
Coffee Granita (with Sweetened Whipped Cream)
Recipe courtesy of Ina Garten


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Pace of Economy's Growth Is Revised Upward [New York Times] and Housing Slump Likely to Take Toll on 4th-Quarter Growth [Wall Street Journal]
Summary: A slew of economic data released yesterday suggests a mixed but largely positive outlook for the U.S. economy: The Commerce Department revised the GDP expansion to a 2.2% annual rate from July through September, up from the 1.6% announced in October. New homes sales dropped 3.2% from September, and a whopping 25.4% y/y, marking the 9th consecutive month of y/y declines over 10% (the longest such stretch since 1991). The residential-fixed-investment component of the GDP, which reflects housing spending, tumbled 18% during the quarter, its biggest drop in 15 years, shaving 1.16% off the growth figure and prompting some economists to predict economic growth will slow in Q4 between 1.5-2%. But beige book figures released yesterday suggest consumer spending is coping with the housing slump: "Despite continued softness in automobile and housing-related sales, most districts reported that consumer spending increased during October and early November," adding that the economy continues to experience "moderate growth." Labor markets remain tight and wage growth was "generally moderate," but "more rapid" in some areas (San Francisco) especially for skilled workers in health care, finance and construction. The Commerce Dept. also updated its personal-consumption index: Excluding food and energy inflation rose 2.2% in the third quarter, down from 2.7% in Q2, suggesting inflation isn't flaring despite signs of climbing wages.
Related links: Department of Commerce GDP News Release (.pdf), Census Bureau Housing Release (.pdf). Commentary: GDP Revised Higher: What's With All These Revisions?! • Housing Data: There Goes The Economy • Homes Sales Up, Prices Down • Bernanke Sounds Positive, Yet Cautious Note on the Economy
Potentially impacted stocks and ETFs: S&P 500 Index (NYSEARCA:SPY) • NASDAQ 100 Trust Shares ETF (QQQQ) • iShares Russell 2000 Index ETF (NYSEARCA:IWM) • iShares Lehman 1-3 Year Treasury Bond ETF (NYSEARCA:SHY) • iShares Lehman 7-10 Yr Treasury Bond ETF (NYSEARCA:IEF) • iShares Lehman 20+ Year Treasury Bond ETF (NYSEARCA:TLT)
HP Lawsuit Adds Insider Trading Claims [AP]
Summary: Insider trading allegations have been added to the shareholder lawsuit against Hewlett-Packard following its executive spying scandal. An amended filing claims top brass at HP -- CEO Mark Hurd and seven other executives -- sold over $40 million in stock in the two weeks preceding the scandal with knowledge of the impending disclosure and likely stock drop. According to the lawsuit, this was the busiest period of stock sales by top HP insiders in five years. The suit further claims that the company initiated a $6 billion buyback program in August, "to prevent a free-fall in the Company's stock price as the news of the defendants' misconduct reached the market." HP replied in a statement that the lawsuit was without basis. HP stock has actually risen about 8% since the investigation was first revealed in a regulatory filing.
Related links: HPQ insider transactions • Media coverage: WSJ . Commentary: H-P Naysayers Are Now Being Heard • HP Plays it Cool With Promising Server Technology • Understanding HP's Changing Profit Margins . Conference call transcripts: Hewlett-Packard F4Q06 (Qtr End 10/31/06) .
Potentially impacted stocks and ETFs: Hewlett-Packard (NYSE:HPQ)
Zune Has Shot at iPod Market Share, Survey Says [Reuters]
Summary: Data compiled by market researcher NPD shows Zune took 9% of the U.S. portable digital music player market in its first week of sales, knocking Apple's iPod down to 63% from 70% and replacing SanDisk for the number two spot. USA TODAY reports however, that NPD doesn't track sales for Wal-Mart, Amazon, or the Apple Store. Recent reports show iPod is dominating Amazon's best-selling music player list, with Zune nowhere to be found. Separately, a survey conducted for Reuters during Thanksgiving showed 70%-80% of respondents preferred an iPod, while 7% chose Zune. Interestingly, 35% of those choosing Zune were for upgrades, compared to 18% for iPod. A Gartner analyst comments, "What you might be seeing are upgrades coming from some iPod users but probably more so from people who purchased PlaysForSure devices." One positive signal is 80% of respondents indicated they'd be receiving their first MP3 player, and 69% said they were either 'likely or extremely likely to buy or receive an MP3 player this holiday season.'
Related links: Media coverage: USA TODAY. Commentary: Microsoft's Zzzune (The Sound Of iPods Flying Off The Shelf) • Amazon Stats: iPod Continues To Dominate MP3 Sales • Zune Is DOA -- Sansa Anyone? • Microsoft To Give Portion of Zune Sales To Universal In Attempt To Hurt Apple. Conference call transcripts: Microsoft F1Q07, Apple F4Q06, SanDisk Q3'06.
Potentially impacted stocks and ETFs: Microsoft (NASDAQ:MSFT), Apple (NASDAQ:AAPL), SanDisk (SNDK) • ETFs: iShares Goldman Sachs Technology Index (NYSEARCA:IGM), iShares S&P Global Technology (NYSEARCA:IXN), NASDAQ 100 Trust Shares (QQQQ), Technology Select Sector SPDR (NYSEARCA:XLK), Vanguard Information Technology (NYSEARCA:VGT)
3Com Shares Down on Huawei Deal [Business Week]
Summary: Shares of 3Com were sent tumbling more than 10% yesterday after the firm announced it was buying out the 49% stake of Huawei Tech. in their 3Com-Huawei joint-venture. Most analysts had a negative reaction accompanied with at least two downgrades, which created tremendous selling pressure with volume exceeding 60m (compared to a 3-month avg. of about 8m). 3Com will spend $882m, and as an RBC analyst put it, it will only have $32m in cash leftover, "an uncomfortable amount considering that 3Com is operating in a net loss." Analysts at Bear Stearns and Lehman questioned the ability to retain key employees and voiced concern over integration and execution. A Morgan Stanley analyst however, actually welcomed the deal but said, "... we think it is important that 3Com continue to have the rights to use the Huawei brand name in Asia, an issue that remains unresolved ..." Forbes reported 3Com is now better positioned to compete against Cisco in China.
Related links: 3Com press release. Media coverage: Forbes. Commentary: 3Com Ready For Technical and Value Investors • China's Eventual 3G Rollout Could Favor EU Vendors • Cisco's Scorched Earth Policy Claims Another Victim. Conference call transcripts: 3Com F1Q07.
Potentially impacted stocks and ETFs: 3Com (COMS) • Competitor: Cisco (NASDAQ:CSCO) • ETFs: Internet Architecture HOLDRs (NYSE:IAH), iShares Goldman Sachs Networking (NYSEARCA:IGN)
TiVo Posts Narrower Loss, Beating Views [AP]
Summary: TiVo shares dropped 5% after the company reported a lower 3rd quarter loss but forecast a larger loss for the present quarter. The digital video equipment producer's current loss is $11.1 million, or 12 cents per share compared to last year's $14.2 million, or 17 cents per share. Analysts were predicting a decline of 15 cents a share. However, TiVo saw a growth in net revenues from $49.6 million last year to $65.6 million thanks to the 11% increase of subscribers thanks partly to its partnership with Direct TV Group Inc. Shares rose one penny to $6.29 but fell to $5.97 after issuing lower than expected quarterly results on Wednesday.
Related links: Conference call transcripts: TiVo3Q07. Commentary: TiVo Drops On Revenue Miss • TiVo Updates On Subscribers, Broadband, Tuners and More • Motorola Shopping for a Middleware Company? • TiVo Breaks From the Pack With Web Content
Potentially impacted stocks and ETFs: TiVo (NASDAQ:TIVO), DirecTV (DTV) • Competitors: Comcast Corp. (NASDAQ:CMCSA), Echostar Communications (NASDAQ:DISH) • ETFs: PowerShares Dynamic Media (NYSEARCA:PBS)
Ex-A.I.G. Chief Denies Report He Is Accumulating Times Stock [New York Times]
Summary: Maurice "Hank" Greenberg denied he is attempting to take over the New York Times after rumors sent the stock upward to its highest one-day surge in nearly six years. The former CEO of American International Group Inc. owns only 100,000 shares of over 143 million shares outstanding in the newspaper which is run by the Sulzberger family through special stock which gives them the majority vote. Shares rose $1.73, or 7.5 percent, to $24.76 on the rumors, but fell to $23.74 in after-hours trading after Greenberg issued his statement. A source close to Mr. Greenberg says that he is considering making a bid on Tribune.
Related links: Media coverage: Bloomberg . Commentary: NY Times Shares Jump on Rumors of Major Hank Greenberg Purchase • Citi: New York Times Headed Downhill Due To Internet • NYT: Investor Interest Should Propel Management to Boost Margins • Sharpest Newspaper Circulation Drop in 15 Years. Conference call transcripts: New York Times Q32006 .
Potentially impacted stocks and ETFs: New York Times (NYSE:NYT), Tribune Company (TRB) • Competitors: Dow Jones (DJ), Gannett Co. Inc (NYSE:GCI), The Washington Post Co. (WPO), The McClatchy Company (NYSE:MNI), News Corp. (NASDAQ:NWS)
Gas Find Shows Shale's Promise [Wall Street Journal]
Summary: EOG Resources Inc. announced yesterday it has discovered a major expansion to the Barnett Shale gas field, and identified four new shale fields in Texas, North Dakota and western Canada, and would increase its exploration spending from $2.8b to $3.4b next year in order to finance an expanded shale-drilling program. The announcement underscores the NG industry's shift from reluctance to enthusiasm over drilling into dense shale. EOG is the fourth-most-active driller in the U.S.; two of the top three drillers, Chesapeake Energy Corp. and XTO Energy Inc. are also exploring shale formations. Until 2000 producers steered clear of the Barnett and other shale formations, believing the rock was too dense to economically pull gas from it. Slowly companies began to understand how to crack the rock and unlock its gas deposits without it becoming cost-prohibitive. The industry believed the only drillable portion of the Barnett was a city-sized area north of downtown Fort Worth, but EOG said yesterday it was drilling productive wells 55 miles to the south. CEO Mark Papa: "The Barnett has extended farther to the south than anyone thought and farther to the west."
Related links: http://www.thebarnettshale.com/. Commentary: Gambling on Natural Gas - SeekingAlpha • Natural Gas is Running Out of Steam • Natural Gas Inventories Not Pressuring Supply in Meaningful Way • Seeking Alpha's Natural Gas Site
Potentially impacted stocks and ETFs: EOG Resources Inc. (NYSE:EOG), Chesapeake Energy Corp. (NYSE:CHK), XTO Energy Inc. (XTO), earlier this month Newfield Exploration Co. (NYSE:NFX) said results from the first few wells in a shale field were good enough to step up its spending • ETFs: iShares Dow Jones US Oil & Gas Exploration Index (NYSEARCA:IEO), SPDR Oil & Gas Exploration & Production ETF (NYSEARCA:XOP)
Heinz's Net Profit Drops 6% On Higher Tax Rate [Wall Street Journal]
Summary: H.J. Heinz Company reported a 6% drop in earnings for fiscal Q2, blaming a higher tax rate. Net income fell to $0.57/share from $0.60/share last year. U.S. sales were up 5.4%, sales in Europe were down 0.8%, and Asia Pacific had 6% sales growth. Heinz said it expects to earn $2.35-$2.39/share on the year -- the first time its given a guidance range. Heinz shares, which went nowhere for years, recently jumped on the tails of a highly-publicized proxy fight between it and activist billionaire Nelson Peltz, which resulted in shareholders electing Peltz and his ally Michael F. Weinstein to the company's board. Peltz was pushing for an aggressive growth plan including deep spending cuts and share buybacks. Shares closed yesterday at $43.97.
Related links: Commentary: Jim Cramer's Take on HNZ. Conference call transcripts: Previous transcripts
Potentially impacted stocks and ETFs: H.J. Heinz Company (HNZ), Campbell Soup Co. (NYSE:CPB), ConAgra Foods Inc. (NYSE:CAG) • ETFs: PowerShares Dynamic Food & Beverage (NYSEARCA:PBJ)
Side Effects at the Pharmacy [New York Times]
Summary: It is unclear whether Wal-Mart's new $4 generic drug prescription plan is actually having its desired effect. The company may actually be losing money on the meds in the hopes of making up the business by drawing customers into its stores. But other pharmacies such as CVS are not reporting any change in their underlying business since Wal-Mart launched the plan. "The average co-pay for these drugs is $5.37," said CVS CEO Thomas M. Ryan. And with Wal-Mart already in the midst of one of its worst holiday seasons in a long time, it is unclear whether the company's decision to forgo co-pay revenue from its pharmacy department will ultimately bring it the additional retail business it desires.
Related links: Media coverage: Consumer Affairs.com. Commentary: Retail Discounters: Hope Their Exotic Investments Excel • Walgreen's Response to Wal-Mart's Drug Assault • Wal-Mart's Cheap Drugs Not as Threatening as they Appear.
Potentially impacted stocks and ETFs: Wal-Mart (NYSE:WMT), Target (NYSE:TGT), CVS (NYSE:CVS), Caremark Rx (CMX), Walgreen (WAG), Rite Aid Corp.(NYSE:RAD)
Ford Says 38,000 Accepted Buyout Offers [AP]
Summary: Ford announced that 38,000 workers -- half of its hourly workforce -- have accepted buyout packages. The company will save about $5 billion a year via the buyouts. Ford, however, has lost $7 billion in the first two quarters of this year and expects to lose up to $17 billion through 2009. The company is looking to raise $18 billion in financing to pay for its restructuring. Ford's market share hit a low of 17.6 % on Oct 31, down from 26% in the early '90's. In July, Ford's U.S. sales trailed Toyota's for the first time, but they have picked up since then. Analysts say that cost-cutting will not be enough to revitalize the company; better product development, marketing and pricing are also essential. The buyout packages will be offered through Sept. 1, 2007. Ford shares climbed 2 cents to close at $8.17 on Wednesday.
Related links: Media coverage: MarketWatch, BusinessWeek, CNNMoney.com. Commentary: Top 5 Things the Auto Industry Has to be Thankful For • Highlights From Ford's Sales Conference Call • Ford Bets the Farm To Secure Another Large Loan . Conference call transcripts: Ford Q3 2006 .
Potentially impacted stocks: Ford Motor Co. (NYSE:F) • Competitors: General Motors (NYSE:GM), DaimlerChrysler (DCX), Toyota (NYSE:TM), Honda (NYSE:HMC), Nissan (OTCPK:NSANY).
Dynavax Stock Rises After Positive Trial [AP]
Summary: Shares of Dynavax Technologies Corp. increased by nearly 33% yesterday after the drug developer released positive late-stage trial data for its hepatitis B vaccine, Heplisav. The late phase trial was proven to successfully protect the "difficult-to-immunize" over-40 population, which includes patients on kidney dialysis.
Dynavax claimed the data showed its vaccine was superior to conventional hepatitis B vaccines; its two main competitors would be Engerix-B from GlaxoSmithKline and Recombivax from Merck & Co.
Related links: Commentary: Dynavax Shares Jump on Positive Hepatitis Study • New England Journal of Medicine on other DVAX products • Street Insider [sub. req.].
Potentially impacted stocks and ETFs: Dynavax Technologies Corp. (DVIX), GlaxoSmithKline (NYSE:GSK), Merck & Co. (NYSE:MRK) • ETFs: PowerShares Dynamic Biotech & Genome (NYSEARCA:PBE).
HEARD IN ASIA: China Railroads Stay on Track [Wall Street Journal]
Summary: A report published last month by the Chinese Ministry of the Railway said Beijing plans to invest 1.25 trillion yuan (~$160b) by 2010 on track, trains and civil engineering. Analysts are very bullish on the railroad sector in China, but unfortunately for overseas investors, it will be difficult to make a play. Two stocks analysts like in particular, Daqin Railway and China Railway Tielong Container Logistics, only trade in Shanghai as Class-A shares, which non-Chinese cannot purchase directly. One possible play is Guangshen Railway, which is listed in Hong Kong and has ADRs on the NYSE. Deutsche Bank analysts say the sector is a "must own" for the next 2-3 years, adding that, "China's railway sector is at the beginning of its reform cycle. Nearly all parts of the railway supply chain will benefit from this sector transformation." According to a report by the same firm, China handles about 24% of global rail traffic but has only 6% of the world's track.
Related links: Media coverage: China Daily, Xinhua and IHT: Guangshen Railway Plans Share Sale. Commentary: A Bleak Report For The Railroad Industry • Over the summer Marc Gerstein of Reuters included Guangshen Railway in his analysis of railroad stocks.
Potentially impacted stocks and ETFs: Guangshen Railway (NYSE:GSH), General Electric (NYSE:GE), Siemens (SI) • ETF: PowerShares Gldn Dragon Halter USX China (NASDAQ:PGJ)
Seeking Alpha is not affiliated with Wall Street Journal, New York Times, Reuters, AP, or BusinessWeek.
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Irish Bailout Is a 'Terrible Deal,' Gerry Adams Says
Following are comments about Ireland's 85 billion-euro ($113 billion) emergency-aid package from the European Union and the International Monetary Fund. The three-year package, aimed at propping up the country's battered banking industry and to help service its sovereign debts, will require Ireland to repay the money at an average interest rate of 5.8 percent.
The "government has negotiated a terrible deal. The decision to protect bondholders is disgraceful. The costs of this deal to ordinary people will result in hugely damaging cuts." Gerry Adams, leader of Sinn Fein, an opposition party
"The interest rate of 5.8 percent is far too high and verges on the unaffordable. The government was cleaned out in the negotiations." Michael Noonan, finance spokesman for Fine Gael, the largest opposition party
"The EU-imposed aid package is not in fact aid, but a whipping of Ireland at the stocks. The European Union has saddled Ireland with an unsustainable amount of annual interest payments that cannot, in any way, be met. This is a terrible deal for the people of Ireland. The path is to fiscal ruin." Mark Grant, managing director at Southwest Securities Inc. in Fort Lauderdale, Florida
"The senior bank holders are to be protected while the lowest paid and those most vulnerable people dependent on public provisions are to be crucified. The plan should have been announced in Lourdes because, short of a miracle, it is doomed to failure." Jack O'Connor, head of SIPTU, Ireland's biggest union
"The program for assistance announced late last evening probably is, as the Taoiseach conceded 'the best available deal for Ireland.' It represents nonetheless a defeat for this state which has turned us, in the blink of an eye, from European success story to a people at the mercy of the benevolence of others. It was notable that the announcement was made in Brussels and only after that was the government able to hold its press conference in Dublin." Irish Times editorial
"We will face years of hardship. But it is well to know the worst, and now we have reason to believe that we know it. Armed at last with some certainty, and calling on our reserves of courage and resilience, we can win through." Irish Independent editorial
"Ireland's bailout -- around 20 percent of which is actually a raid on Ireland on its own pension fund -- also has some good news, but less than before. The hope is investors won't turn on other countries, but the likelihood is that they will.
"The lending terms aren't ideal for Ireland: the bailout looks both expensive, and lacking in transparency, because of the many different lenders. Still, the 5.8 percent interest rate is roughly in line with what was asked of Greece, after adjusting for the longer maturity." Alan McQuaid, chief economist at Bloxham Stockbrokers in Dublin
"The clarity presented by the announcements should help to defuse somewhat the tensions that had been intensifying during the course of last week. In particular, markets are likely to breathe a sigh of relief that the senior debt of Irish banks has not been subject to haircuts as part of the financial-sector bailout, while markets are also likely to welcome the decisions agreed to safeguard the financing of the Irish government, as well as to recapitalize and restructure the banking sector." Julian Callow, chief European economist at Barclays Capital in London
"Even if the adjustments will be painful, the Irish deal seems rather favorable. Overall, the plan should allow Ireland to meet the repayment schedule and we are confident that now that European leaders announced a formal crisis resolution mechanism, the Irish bailout will eventually contribute to calm market fears regarding a possible contagion to other euro-zone countries. This might be the last chance to bring stability back to the European's financial system." Oscar Bernal, an economist at ING Groep NV in Brussels
"We see the Irish deal this weekend as possibly buying some time. The accord on some aspects of sovereign restructuring mechanisms represents the beginnings of a solution." Ciaran O'Hagan, a fixed-income strategist at Societe Generale SA in Paris
"What the ECB says on Thursday is key, particularly given that to date the bailout has not stopped contagion spreading.
"It now seems very likely that Irish government debt will be above 120 percent" of gross domestic product "by 2014. Moreover, the fact of the matter is that the heavy lifting in terms of deeply unpopular fiscal cuts have yet to really begin." David Owen, chief European economist at Jefferies International Ltd. in London
"The fact that senior bondholders will be left intact should help risk assets and prove near-term support for the periphery and especially Spain.
"There are some local concerns that a new government may seek to renegotiate the terms of the deal, but overall we expect a broadly positive near-term reaction. This is, however, unlikely to be enough to prevent Portugal's access to the EFSF." Harvinder Sian, a senior fixed-income strategist at Royal Bank of Scotland Group Plc in London
"With this rescue program, Ireland has bought itself time to restructure the banking system. The credit is enough to keep Ireland above water up to 2015.
"The risk of Ireland ultimately having to restructure its public debt is not yet overcome. We expect risk premiums for Irish government bonds to remain at a high level. In the long term, Ireland will only be able to manage its exploding public debt if the country's economy returns to a course of strong growth. We have doubts whether this can be achieved." Christoph Weil and Rainer Guntermann, economists at Commerzbank AG in Frankfurt
To contact the reporters on this story: Dara Doyle in Dublin at firstname.lastname@example.com; Christian Vits in Frankfurt at email@example.com
To contact the editors responsible for this story: Tim Quinson at firstname.lastname@example.com; John Fraher at firstname.lastname@example.com


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Marine Square: Find photos, reviews, information, amenities and compare prices for 5 stars hotels in Hermanus, South Africa.
Marine Square offers 5-star accommodation in Hermanus. It is ideally positioned for those wishing to discover the area's attractions.
Hotel description
This luxury property provides a range of facilities, including babysitting/child services, bicycle rental and a hair salon. Wireless internet is also available.
The property's apartments are modern and offer a kitchenette that is equipped with a dishwasher, a microwave and a refrigerator. All have a DVD player, tea and coffee making facilities and a private bathroom with a shower.
The area around Marine Square Luxury Holiday Suites has a range of restaurants and cafés. It is also a short drive from Stanford and Vermont.
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Casual curling fans have seen Brad and his team repping Northern Ontario at the Tim Hortons Brier. Others know they're a team looking to break through into the next level of elite teams. I talked to Brad about new player Ryan Fry and taking that next step up the ladder.
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LG BP620 3D Blu-ray player
LG's top 3D Blu-ray player has the Smarts we've been looking for
- Quick to respond to inputs
- Simple but attractive and intuitive interface
- Excellent range of features and apps
- No rear USB port
- Some interface niggles
Bottom Line
As 3D, Smart Blu-ray players go, the LG BP620 is one of the best. It's not especially expensive, it's got all the features we want, and it's generally easy to use and quick to operate. Apart from a few small issues with the interface, we found the BP620 to be a great product.
Price$ 229.00 (AUD)
LG has made a name for itself in the past few years offering products that are competitively priced against bigger names like Samsung and Sony, with similar features and the occasional impressive innovation.
We've been consistently impressed with the company's range of Cinema 3D TVs like the LM9600 and the LM7600, which are cheaper than competitors without sacrificing quality or features. The BP620 is the first LG Blu-ray player we've looked at this year, and it's got some stiff competition from the Samsung BD-E5900, Sony BDP-S790, and the Panasonic DMP-BDT320.
LG BP620: Design, connectivity and setup
The LG BP620 hasn't had the same attention lavished upon its design as the Sony or the Panasonic we just mentioned, but it's still well built and thoughtfully laid-out. The front fascia of the BP620 is finished in a glossy, mirrored black, with the 'Blu-ray 3D' logo in the centre more prominent than LG's own, which is off to the left.
A small, green single-line display shows the status of the BP620, including the current playback time of whatever Blu-ray, DVD, or compressed video file you're watching.
The BP620 is a tray-loading Blu-ray player, with the left-side-mounted drive pushing down a flip-down door as it extends in the same way as the Samsung BD-E5900. A front USB port for connecting a flash drive or portable hard drive is hidden behind a small cap on the front right of the player. Four touch-sensitive buttons for power, disc eject, play/pause and stop are near the USB port on a small lip at the top front of the BP620.
Around the back, it's the usual story for connectivity. Like most other 2012 Blu-ray players, the LG BP620 has one HDMI port — our preferred HD audio/video connector — as well as composite video and stereo analog audio, digital audio output (for connecting an external audio receiver or DAC) and an Ethernet LAN port. We were surprised not to see a second USB port — the advantage of having a rear USB port is being able to permanently connect an external hard drive full of music or movies without having a cable running to the player's front. Wi-Fi is also built into the LG BP620.
Setting up the BP620 is as straightforward as it can be for a Blu-ray player. We used HDMI to connect our test TV — a Panasonic VIERA ET5A — and hooked up the power and wired Ethernet network connection. After a quick introduction to the BP620's menu system, we were ready to go.
The remote control that the BP620 is bundled with is a simple unit. It's not backlit, but this can't be expected for the ~$200 price tag. Buttons are generally well labeled, and there are only a few cryptic pictographic symbols in place of labels on some buttons.
LG BP620: Features and performance
The LG BP620 is a very quick Blu-ray player, with speedy start-up, disc load, and media loading times. We never felt like we were waiting for the BP620 to complete tasks — it generally kept up with our remote control inputs.
All our DVD and Blu-ray discs hit their title menus within 30 seconds, with some loading in quicker. These numbers represent good but not uniquely fast performance. We had no problems with discs not loading or not being recognised.
The LG BP620's menu system largely mirrors the Smart TV layout of its Cinema 3D TVs — large icons with colourful designs and clear labelling, and easy access to any stored media through the Movie, Photo and Music tabs. The Premium folder has direct access to YouTube, ABC iView, and a few other video on demand services and utility apps like weather and Picasa online photo storage. We did expect some apps to be in the LG Apps folder when they were in Premium, so you'll need to spend some time learning the ins and outs.
The LG BP620 is a 3D Blu-ray player, and all the test discs we tried in it were played back successfully with the 3D option selected by default. 3D playback relies far more upon your television than your Blu-ray player — it's the TV that stitches frames together and gets your 3D glasses to do the hard work — so we have no reason to doubt the 3D capability of the BP620.
In addition to playing discs and compressed media files from a connected hard drive, the BP620 can also access any DLNA servers on your home network and stream media files — movies, music and photos — on the fly. We had no problems streaming 1080p and 720p MKV files over both wired and 2.4GHz 802.11n wireless connections.
If you've got a recent smartphone or Ivy Bridge Intel laptop, you'll appreciate the LG BP620's inclusion of Wi-Fi Direct. We didn't test the service, but its inclusion means you can share content between your devices and your TV (via the BP620) without having to fiddle with cables.
LG BP620: Conclusion
The LG BP620 did everything we expected it to, and didn't present any major impediments during our time with it. If you're looking for a Blu-ray player that's got a competitive feature-set and that is easy to understand, the BP620 is a solid choice.
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text:
Keith graduated Magna Cum Laude from Houston Baptist University in 1977, having completed his Bachelor of Science degree in Economics and Business in just 27 months. He earned his law degree at Baylor, graduating in 1979, and became Board Certified in personal injury trial law in 1984. He is a member of the Texas Bar Association, the Texas Trial Lawyers Association, the American Association for Justice, and the Houston Trial Lawyers Association. Keith is licensed to practice in the state of Texas, as well as in the Southern, Western, and Eastern Federal District Courts.
He has been a partner at Simmons and Fletcher since 1974.


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If you're looking to get noticed and drum up more business, your website needs to look the part. A sleek, efficient mobile friendly website is a no brainer. Why? The bottom line is this – more people search for stuff on their mobile device than on a desktop.
The mobile revolution
Over the last decade desktop use has increased, but it's not been able to keep pace with searches on mobile devices. Half of the world's population now owns a mobile phone, and that percentage is growing all the time. That's created a marketplace you can't ignore.
Poor design risks losing business
When you want people to take time to read your website, the design just has to be mobile friendly. If your site is hard to read, difficult to navigate and has no clear calls to action what do you think will happen? They're going to move on.
A mobile friendly site that works for you
Make sure every website design or template works just as well on a desktop as it does on a mobile device to attract more business. To achieve that our mobile friendly websites offer –
- Easy access – accessible photos, video and content to create appeal
- Calls to action – inviting contact on every page to increase conversion
- Effective design – scrolling pages with no zooming or side to side movement
- Reactive – touch screen action improves user experience
- Quick loading – a fast website keep visitors engaged
Google penalties if you're not mobile friendly
If your website isn't mobile friendly engaging with potential clients is only part of the problem. What if they can't find you in the first place? This year Google decided to penalise websites that don't meet its criteria for mobile friendly. In short that means you won't come up on a general Google search if your website isn't designed for mobile devices.
Great mobile design
Every time someone searches for a product using a mobile device there's a good chance they're going to act on what they find. Google say 3 out of 10 mobile searches ends up with that person taking action. What's more that action happens fast – 50% of purchases occur within an hour of finding a product.
What makes mobile work?
Variety is the spice of life. The immediate nature of mobile browsing coupled with a raft of options designed to encourage conversion are the driving force behind the success of mobile websites. Well designed and clearly visible links that encourage conversion include –
- Shop directions – helping people find your business is good for business
- Phone links – talking to potential customers encourages sales
- App downloads – a persuasive method of increasing purchases
- Contact forms – asking questions and making enquiries opens a dialogue
Mobile friendly websites go further than offering a shopping opportunity. They help build relationships by letting customers take action the way they want.
Don't be left behind
Whether it's mobile web design Liverpool or any other major city, mobile friendly websites keep your business searchable and attractive. It's that simple.