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High feed prices motivate dairymen to evaluate every aspect of their nutrition program including their homegrown forages. Forages are typically the cornerstone of a dairy's feeding system with corn silage as the standard by which most other forages are measured due to its consistency in combining high yield and high quality. Other common forages offer niches when compared to corn silage such as alfalfa's superior protein content or agronomic advantages of winter small grains in cropping rotations. So where does brown midrib (BMR) brachytic forage sorghum fit in?
A warm season annual like corn, BMR brachytic forage sorghum grows in much the same seasonal window. It is more efficient than corn in water and nitrogen use, requiring less of both. Dr. Chris Teutsch of the Southern Piedmont AREC showed establishment cost for forage sorghum was almost $40 per acre less for seed and $50 per acre less for fertilizer compared to corn. Additionally, it is more drought and heat tolerant than corn. Like traditional sorghums, these new varieties possess many of the same attributes including the possibility of nitrate and prussic acid poisoning, but these issues are manageable.
What makes these new BMR brachytic varieties unique? First, the BMR trait results in lower lignin content, which increases forage digestibility. Second, brachytic refers to the dwarfing trait resulting in less stalk and more leaf area. Combining greater leaf:stem ratio with less plant lignin, and adding the seedhead at harvest results in forage quality that compares quite well with corn. Dr. Teutsch observed DM digestibility of BMR forage sorghum at 74%. Data on nutritional quality is still limited, and may vary by variety.
Given BMR forage sorghum's attractive quality traits, establishment costs, and its ability to handle hotter, drier and slightly more acidic growing conditions, these newer varieties offer two distinct opportunities for consideration in your forage program.
1. An emergency crop. Forage sorghum typically requires warmer soil temperatures for germination compared to corn, so it is often planted later. Research studies have planted sorghum as late as early July with acceptable results. Though they may not have time to develop a full seedhead, they will still produce a significant amount of quality forage. In the drought of 2012, Dr. Chris Teutsch's research at the Southern Piedmont AREC showed 4 varieties yielded 12 to 19.5 tons/acre (adjusted to 35% DM) when corn plots only yielded 6.1 tons/acre. Drought-prone fields may be good places to consider BMR dwarf forage sorghums.
2. Double crop alternative. In western Virginia, cooler climates lend themselves to less stressful growing conditions for corn most years compared to hotter areas of the state. In the cooler regions the greater need may be the added option to increase total forage yield per acre using a double-cropping system. Corn can be used in rotation with harvestable winter small grain crops, but it can be a challenge to get corn planted on time. With its later planting date, BMR dwarf forage sorghum may be advantageous following a spring small grain silage harvest.
In conclusion, BMR dwarfing forage sorghum is relatively new to the scene. While there appears to be justification for its use in dairy forage systems, remember to consider it as part of an overall forage management strategy. I do not recommend a whole farm conversion to forage sorghum away from corn silage, but it may be another tool to consider. Diversity in your farm's cropping and feeding plan reduces risks for crop failure and can help break disease and pest cycles. Consider all these factors, and seek trusted advice as you decide what forages to include in your cropping and dairy herd feeding plans.
—Kevin Spurlin, Virginia Cooperative Extension Agent, Grayson County


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Avery® Durable Binder, 1/2" Slant Rings, 120-Sheet Capacity, DuraHinge™, Burgundy/Black, 27052Product Number: 27052
Keep lecture notes, procedures and homework assignments organized with this Durable Binder. The sturdy construction is ideal for frequent referencing. The DuraHinge design is stronger, lasts longer and resists tearing, and the DuraEdge feature makes the sides and top more pliable to resist splitting. Our deep texture film offers a smoother finish and features a linen pattern for high quality look and feel. Two interior pockets help you organize and secure loose papers, and the rings hold up to 120 sheets.
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This review is from Durable Binders 27252:
I have been using Avery binders for years but now have difficulty finding them in Burgundy/Maroon. The #27252 binders are the only ones I can find in Burgundy in the desired size of 1". However the last 2 orders I have placed, the cover plastic is not smooth, it is textured. The Avery labels I normally use (#5161 & #6878) will not stick! I place them on the binders only to come back later and find that the labels have curled up and fallen off!
I like to use Avery products because of the quality, but I can't be continuously re-attaching the labels. It defeats the purpose of labels.
This review is from Durable Binders 27353:
I love this binder! Most of my binders are from Avery so i love the binders here no matter what color the binder is.
This review is from Durable Binders 27650:
I have been using these for my customer's safety manuals for several years. They must hold up great because we have never had one come back.
This review is from Durable Binder with 3" EZ-Turn Ring, Blue, PVC Free 27651:
Have used other binders only to have them fall apart.
This binder seems to hold together much better.
This review is from Durable Binders 27556:
Great product to organize all my students. It holds their planner, homework, assignments and take home notes. They are durable and last all year long. I use a different color for each class.
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- The future is squarish. Georg Trump knew it in 1930 when he designed City. Hermann Zapf knew it in 1952 when he designed Melior. Aldo Novarese knew it in 1962 when he designed Eurostile. Center isn't about to argue. Based on a rounded rectangle, its geometry has been subtly refined for smoother reading. Angled branches pay homage to OCR-A. Terminals are gently softened. Early versions had a somewhat science-fictiony look, but over time Center evolved into a crisp and useful text/display family with just a hint of futurity. A combination of open counters, unequivocal curves, and ruler-straight vertical and horizontal strokes suit it admirably for onscreen display. Its seven weights range from the taut, elegant Thin to the massive Ultra, each with a matching italic. Tabular figures duplex across all weights, case-sensitive forms keep punctuation in line, and a variety of alternative glyphs let designers vary its mood at will. A full range of diacritics provides support for over 130 languages.
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Like nearly any food product, milk replacer will not keep indefinitely, and storage conditions can affect its quality. The experts at Grober Nutrition Inc. offer the following advice for preserving the quality of milk replacer stored on the farm:
Summer – warmer temperatures/humidity (25° C)
- High temperatures combined with high humidity can introduce moisture, forming clumps. The length of time product is stored will increase the likelihood of these clumps.
- Humidity is increased with a barn full of animals – milk replacer should ideally be stored in a dry and separate area.
- Clumps and moisture can increase risk of spoilage – fat oxidation may impact smell and taste and potentially affect the nutritive value of the product.
Fall, winter, spring – cooler temperatures (≤0° C)
Milk replacer powder that is subject to rapid temperature changes (cold to warm and vice versa) will cause condensation that may form clumps resulting in:
- Increased difficulty in breaking up clumps for measuring.
- More effort (hand mixing) needed to dissolve the powder.
- With improper mixing, this can lead to a decrease in digestibility.
Optimal Storage of milk replacer
- Observe the principles of FIFO (first in-first out).
- Do not store product in a kitchen where steam is produced and contained.
- Do not store the product in barns filled with animals generating heat and moisture.
- Do not store product near a water source (in event of leak).
- Consider pests (mouse, rats, house pets, birds, etc.)
- Minimize the number of skids piled high – maximum of two skids high to reduce compaction effects.
- Close/seal bag when not in use; product can be frozen (and re-warmed slowly) if saving for following season in the case of seasonal breeding.
- Optimal storage temperature: from 5 to 20° C, relative humidity ≤ 60percent.
Source: Calf GroFacts by Grober Nutrition Inc.
When milk replacer is stored for more than one year, there is a risk of fat oxidation and loss of vitamin activity (most notably the fat soluble vitamins A, D, and E). To avoid oxidation, product should be kept in dry conditions and reduced light exposure.


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THE group that owns The Hampshire Court Hotel, in Chineham has scooped the top three accolades at the VenueVerdict Awards.
QHotels which has 21 hotels across the UK, received the top honour – the Gold Standard Group award, This award is bestowed upon the brand with the largest amount of Gold Standard Accreditations at the end of the year.
QHotels also won the No.1 Large Group and the No.1 Hotel award for its Westerwood Hotel and Golf Resort.
In fact the triumphant brand achieved 22 Gold Standard Accreditations over the course of 2013's quarterly assessments.
Managing director of QHotels, Michael Purtill said: "I am immensely proud of what we have achieved here. Our people are passionate about delivering a professional, helpful, friendly and flexible service, tailored to each individual organiser's needs. This is why the VenueVerdict Awards are so important to us, because they are based on the voice of the event hosts and this achievement shows we're delivering on quality throughout the event, from the food served to the hi-tech facilities available.
"It's fair to say that 2013 has been a fantastic award-winning year for us. It was topped off when the group was named the Which? Best UK Hotel Chain. We can't wait to see what 2014 has to hold."
The VenueVerdict Awards are based on rigorous research conducted by BDRC Continental, the UK's largest independent market research agency and feedback from over 22,000 event hosts across just under 360 venues, and look at how likely guests are to recommend the venue.


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Jennifer Aniston Is a Blackberry Woman
Jennifer Aniston may have lost Brad and Vince Vaughn, but at least she hung on to her Blackberry! This week's Life and Style Magazine is featuring a picture of Jen to showcase her $2,400 Jennifer Meyer 18-karat yellow gold leaf necklace. We of course, love the photo for showing off the beautiful Blackberry.
Though not as slender and chic as the Blackberry Pearl model, Jen's phone, the Blackberry 8700, offers mail, phone, browser, instant messaging and organizer into one compact, integrated device. Wise choice Jen, very wise.


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In today's fashion-rich society, looking good no longer focuses on just your clothes and hair - now your nails need to be trendy too. Luckily, the fashion and beauty experts at Harper's Bazaar recently discussed the top trends to try in 2013, and now is as good a time as ever to jump on the nail-color train.
Pretty in pale
Mixing patterns and bold hues is all the rage on the runways, but this is not the same with nails. In fact, one of the top trends popping up this spring is pale, cream-colored nails. This take on the minimalist style is perfect for ladies who long for brighter clothes.
You can rock this trend with professional nail polish like CND Nail Colour -Neutrals - make sure to complete the style with a top coat that will give the look a gorgeous shine.
Dark and mysterious
If you feel like you're way too pale to start rocking nude-toned polish, then you might be better off ringing in spring with a darker trend. Models at the Jason Wu and Marchesa runway shows were seen wearing some fabulous plays on black, in nail polish shades like purple vinyl and tuxedo.
For this sleek and sassy style, you'll need a dark shade with some texture, like CND Nail Colour - Blacks. The Inkwell hue might be best since this color is dark, but features metallic gray undertones that will help your nails stand out.
Pops of metallic
Ladies looking to add a bit of life to their nails might prefer to dazzle in styles that were on display at the Nicole Miller or Monika Chiang shows. To achieve this stellar and bold option, you'll first need to swipe on a solid hue like red or black, and then add on a few swirling designs using shades in either metallic silver or gold.
If you're looking to spice up your style with red, it might be best to accentuate the tips with a golden hue like CND Nail Colour - Chromes, in Gold Chrome. The pop of gold against the red is a great option for a date night with your beau or even a girl's night out.
Since these trends are meant to keep the focus on your pretty nails, it's important to prep your hands to be spotlight ready. Keep your hands wrinkle-free by investing in skin care products that target age spots and sun damage. The Elemis Spa At Home Pro-Collagen Hand and Nail Cream may be best, since this lotion not only keeps skin woes at bay, but also strengthens and conditions cuticles and nails.
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This week, there's relatively little due in the way of potentially significant economic reports. Perhaps the most interesting will be the release of the minutes from the Federal Reserve's June policy-setting session. It was after that meeting that Chairman Ben Bernanke indicated that the central bank could begin to scale back asset purchases later this year if the economy continues to recover. That specific guidance was not, however, offered in the Fed's official statement before Bernanke's news conference. The meeting minutes may provide a bit more insight into the behind-closed-doors debate among members of the Federal Open Market Committee.
Friday's release of better-than-expected hiring numbers for June, May and April have not derailed forecasts of so-called tapering of asset purchases later this year or early in 2014.
Bankrate Audio
Mid-year status report on markets, housing and gold
The stock and housing markets see solid gains, while gold has taken a big plunge. Experts give the outlook for your money.
Audio Transcript
[Music plays]
Mark Hamrick: From Bankrate.com, this is "Your Money This Week." I am Mark Hamrick reporting from Washington.
[Music plays]
Mark Hamrick: As we flip the calendar over to the month of July, we close the books on the first half of the year. It is worth mentioning the S&P 500 was up 13 percent in first six months of 2013. That is its best showing since early 1998. On the other hand, the price of gold has taken a remarkable beating, and is down nearly 30 percent this year, back to levels last seen in August 2010. So we thought this might be a prime opportunity to talk about where we have been and where we might be going with stocks and housing and some other assets. We will talk with Hugh Johnson. He is chairman and chief investment officer with Hugh Johnson Advisors. Later, we speak with professor Robert Shiller. He is a highly regarded expert on many things financial, particularly on speculative bubbles. He saw some warning signs before the housing market bubble burst in 2006, and lately he has been watching the housing recovery with interest. We will speak with Robert Shiller about owning homes, stocks, bonds and even gold. And then on that very subject, Bankrate's Claes Bell checks in with some thoughts about the dramatic decline in gold prices.
Hugh Johnson manages about $2 billion at the Albany, N.Y.-based firm Hugh Johnson Advisors. The second quarter and first half results now on the books in terms of market performance, we thought it would be a great opportunity to chat with Hugh, asking the question whether this rally in stocks still has room to run.
Hugh Johnson: I think it does. I think we have further to go in the current so-called cycle, which has got a stock market business interest rate cycle. We may have gotten all we are going to get for, say, the near term. In other words, the market being up 15 percent for the first six months of the year might be really tough to try to better that in the second half, or even equal that in the second half of the year. So things might slow down a little bit in the second half. Particularly you have got the issue of what the Federal Reserve might do. So I think that we may have gotten all we are going to get this year, but as far as whether we have got further to go in the current cycle, my answer to that question is definitively yes. Looks like the economy and earnings are going to continue to expand right through 2014. And so long as that is the case, the stock market is going to do better. It is just near term where I have some concerns about too far, too fast, maybe a little bit of evaluation problem.
Mark Hamrick: Well, along those lines Hugh, you know the adage do not fight the Fed and not only the Federal Reserve, but other central banks are doing seemingly all they can to help the global economy. And a lot of folks worry that all kinds of bubbles are forming. Are you worried about that?
Hugh Johnson: Yes, I always worry about bubbles, but I am not so worried about that. Certainly, in the stock market, I think that if I look at the bond market and I look at the performance of the bond market for a very long period of time, even going back to 1980. I do not want to call it a bubble, but I do want to call it a big bull market in the bond market. And that may be very much changing, we may be going from a bull market environment for bonds, where bonds were a good thing to buy, you made money there. And I think now we are probably in a period when interest rates are going to start to rise, or a bear market in bonds. Very much as came in, in 1946 and that usually ushers in not just a bad period for bonds or bear market in bonds, but also bull market in stocks. Yes, you are going to have some recessions and some bear markets along the way, but generally speaking, I think we are entering a period where it is going to be much better for stocks than it is for bonds.
Mark Hamrick: Well, Hugh, as you know, economic growth has been modest and inflation has been surprisingly low, many looking for growth to accelerate, but that is always of course, a very hard thing to predict. What is your take on growth and something also very important for stocks, corporate profits?
Hugh Johnson: Yes, that is going to be the big question, and that is where we tend to miss a lot. I think your growth, I am with the rest of the world and I think that gross is going to pick up in the second half of this year, and through 2014. I think that will be reflected and employment conditions getting better and better. In other words, we are adding about 165,000 jobs to payroll now as we finish out the first half. I think when we get to the second half, when we get to the fourth quarter, we might be adding as many as 200,000 per month. So I think that the economy is going to pick up or it is going to do better. Maybe inflation picks up a little bit, goes from a 1 percent, just above 1 percent level up to the 2 percent level. Things are going to get a little bit better. And of course, along with it, you have to keep in mind that if we do get employment numbers like I am talking about, 200,000 per month in say the fourth quarter of 2013, it might invite the Federal Reserve to taper or reduce its buying of treasuries. And that is going to be -- well let us just say it is a hurdle, maybe a little bit of a drag on stock prices. One of the reasons why, yeah, I think stocks could do a little bit better, but they are not going to do like they did in the first half. I think it is going to be a tougher second half than a first half.
Mark Hamrick: One thing we have seen is the cratering of precious metals prices, Hugh. Is that a warning of any kind?
Hugh Johnson: Yes, you see precious metals going down, and that is exactly what should happen when you have a low inflation environment, and that is a warning. And I think the Federal Reserve is taking it very seriously. They are saying, 'Look, we do not want very low inflation, now we have got fairly low inflation right now, 1 percent and 1.2 percent inflation, that is really too close to zero, you do not want deflation.' The Federal Reserve does not want it; quite frankly, anybody who thinks about it should not want it either. So I think one of the challenges for the Fed is not only to get better employment conditions, but also get better, meaning higher, inflation conditions. And I think, and I cross my fingers when I say this, I think we are going to get that in the second half, that we are going to be heading back toward 2 percent inflation and that is much healthier than something that is closer to 1 percent or even lower.
Mark Hamrick: You have been working in this business for decades now, and you have seen a lot of things. What is your sense about how investors feel regarding whether there is a level playing field for them, compared to, say, high-frequency traders or the big players in the markets?
Hugh Johnson: I think that is a really big concern. There is no question that when we see flash crashes, when we see the kind of volatility we have seen in the markets, it is very intimidating to small investors. They feel as if they are at a disadvantage, that it is the big investor's high-frequency traders that really dominate the market and really create a level of volatility that is not in the interest of small investors. So it is one of those issues that is on the minds of small investors and makes them very, very nervous about buying stock. Makes them very nervous about directly buying stocks or having equity investments at a time, unfortunately, when it is probably a good time to have equity investments and not such a good time to play it safe with bond investments. So it is one of those issues that face us today that is very troubling. Regulators have got -- I think they do realize that they have got to try to figure out something to do about it. It is a really troubling issue.
Mark Hamrick: Hugh, always great chatting with you, thank you for your time, Hugh.
Hugh Johnson: You are welcome, Mark.
Mark Hamrick: Hugh Johnson, chairman and chief investment officer with Hugh Johnson Advisors. He spoke from his office in Albany, N.Y.
[Music plays]
Mark Hamrick: When discussing bubbles in markets, whether it is stocks or the housing market, you would have a hard time finding someone more expert than professor Robert Shiller. He is a professor of economics at Yale, author of the best-selling prescient book "Irrational Exuberance."He is also known for the S&P Case-Shiller Home Price Index. I asked him where he thinks we are in the housing market recovery, and we touched on a number of other fascinating areas as you will hear.
Robert Shiller: Well we are having a slow to normal recovery but it does appear at the moment to be on track for recovery. There is always a possibility of another recession or another problem. I wish it were faster and I would like to see more stimulate of activity, not necessarily in just the housing sector, I would like to see it in infrastructure more generally.
Mark Hamrick: So would you be suggesting that a fiscal stimulus from the federal government?
Robert Shiller: I have been writing about that, yes. I think that we need what I call debt-friendly stimulus. It has to be cognizant of the risk of raising the national debt. I would actually be in favor of raising taxes to cover additional expenditures, using what is called balanced budget stimulus. It does not seem to be very political feasible right now, but I think it would be a good idea (if) somehow we could get it through.
Mark Hamrick: So professor Shiller, what we have seen recently, as you know, with some indications the Federal Reserve intends to take its foot off the pedal a little bit in terms of asset purchases, that some market-based interest rates have risen. As we speak, mortgage interest rates are averaging a little bit above 4 percent. That is obviously, by historic standards, still quite low. Do you worry that this back-up in interest rates could have a negative impact on housing?
Robert Shiller: I certain do worry. I think that probably recovery we have seen since early 2012, has to do with the perception that mortgage rates were at record lows, and hence affordability at very good levels. People conceive it as an opportunity; well, you might say a once-in-a-lifetime opportunity. And that is certainly spread demand for housing. But now that the opportunity seems to be fading, there could be a sudden pullback in investor demand. And now there is the pullback that occurred after the homebuyer tax credit. Remember that, that was instituted in 2009 and expired in 2010, and home prices rose when it was in place and then started falling afterward. So I have been arguing that home prices, while they appear to be on an upward trend, are definitely in danger of falling further. It is a speculative market, and it is affected by the government policy.
Mark Hamrick: Well it is, many people do believe that there is quite a bit of speculation in the markets right now. And given the fact that you are seen as a great expert in speculative bubbles, do you see the possibility of bubbles forming elsewhere in the economy, whether it is on U.S. basis or worldwide?
Robert Shiller: Well we do seem to have real estate bubbles going on worldwide in various places. I was just down in Colombia, South America, and at least in their luxury areas they have a bubble going on right now. It happened in areas, Scandinavia was recently bubbling, so I think that human psychology is highly variable and we are still in a -- now we could be, sorry to be so uncertain, but we could be launching out on another bubble here in the U.S. the way home prices are rising now. I wish I could predict the psychology better. It could go either way, I think it is just an uncertain time.
Mark Hamrick: And with central banks, many of them around the world, engaging in these expansionary practices adding to their money supply or expanding their balance sheets. How do you view this in the context of world history and economic history?
Robert Shiller: Well I think that we should be probably thankful for the coordinated action of the Worlds Central Bank after the Lehman crisis in 2008, because we saw the suspension of disbelief about stimulative -- both mantra and cisco policies. Without that, we might have had something more like the Great Depression. Now there is a question on how it will work out in the long term, and how it will work when they unwind. I think there is a lot of uncertainty about that. We could see a crash in the bond market, and that could affect the housing market. But I do not forecast that. I think it is -- there is too much uncertainty now to know. I think people should be cognizant of risk, but it may still be a good time -- it may still be a good time to be investing in housing.
Mark Hamrick: And of course, the stock market. We have seen the major U.S. stock indexes back up to new record highs recently. Obviously there is some adjusting to be done in terms of inflation given the fact that it has been a number of years since we have seen record highs there. But what is your assessment of the way equities are looking?
Robert Shiller: Well I tend to emphasize my Cape Ratio, that is cyclically adjusted price earnings, that is just real price divided by 10-year average of real earnings. And that is -- I think 10-year average works better than one-year because it is a better measure of fundamental value. So that ratio has been high, it is around 23. Historical averages, depending on the sample, is something like 15 or 16, so it is high. But it is not deterrent for investing in the stock market because I think that it has been much higher in the past. In 2000, it got almost in the mid-40s. So it is not so high right now and I think it probably, people should probably have some substantial exposure to the stock market now.
Mark Hamrick: So professor Shiller, you look out across the landscape of the economy, whether it is equities, whether it is housing, and indeed bond prices as you acknowledged earlier. Let us say if you were to give some fatherly advice to someone, is there anywhere out there that you see right now where you would urge people to be very, very careful?
Robert Shiller: Well, gold prices. I think that has been above -- exactly where it is going now is anybody's guess. I would stay away from major exposure to that. Bond price, bonds are hard to predict, just like the stock market. I think the Euro area probably still low and I think long-term bonds are still risky investment. We have seen all the volatility recently. So I would steer away from those, but in terms of real estate investment, I think it might be better to go into multifamily apartment buildings rather than single-family homes. They have them doing better, and I think they might be tilt toward renting rather than owning, also, apartments or houses here in urban areas rather than distant suburbs. There seems to be a public shift of demand away from remote suburbs. Probably reflecting higher gasoline prices that we have seen since around 2008. But also just I think a change in taste.
Mark Hamrick: Well of course we know there are some changes in the offing with regard to the U.S. population, the greying or the aging of the population. Do you think that there is a chance in the coming years and decades if more people look to downsize their homes that the value of a single family home. We know the people had been looking for larger homes in recent years, that they may not hold the same attraction that they had held at one time.
Professor Shiller: Yes, I think it is partly demographics and it is partly culture. Maybe the Internet culture. People -- maybe they want to be closer to other people, real people, they want to live in a more human environment after having logged in hours on the Internet. It does seem like 10, 20, 30 years ago, people got a lot of sense of social status by owning a giant house in the suburbs. And they did not care about being close to other people, or at least not so much. And it may be that our culture is changing, you never know these things for sure.
Mark Hamrick: Professor Robert Shiller of Yale (University), where he is the sterling professor of economics and also author of the best-selling book "Irrational Exuberance"
[Music plays]
Mark Hamrick: It has been a modern version of the gold rush, but this has been the rush to sell the not quite as precious as before metal, leading to a nearly 30 percent decline in price from the high. Bankrate's senior banking analyst and writer Claes Bell has these thoughts.
Claes Bell: Sorry in advance for the terrible pun, but it is clear that gold has lost some of its luster as an investment these days. Last week, the price of an ounce of gold dipped below $1,200 for the first time since the middle of 2010. If you were one of the unfortunate folks who bought gold when it peaked at more than $1,900 an ounce in September 2011, your investment has now lost more than one-third of its value.
For the recent roller coaster drop in prices, gold bugs can blame their old nemesis, the Federal Reserve, which has recently hinted it wants to slow down its quantitative easing program. Much of gold's appeal was based on it being a refuge from currency debasement by the Fed, but with the Fed looking to get out of the debasing business, investors just are not as bullish on bouillon. And while it is true investors buy gold for all kinds of reasons, it has been pushed especially hard by some political pundits who pitch it as a hedge against the apocalyptic collapse of society that is always just around the corner. For those who bought gold on that basis, and have lost a bundle, it may be time to reconsider getting investment advice from the same place you get your political commentary. After all, when it comes to investment recommendations, all that glitters is not … well you get the idea.
Mark Hamrick: Bankrate's senior banking analysis and writer, Claes Bell.
[Music plays]
Mark Hamrick: You have been listening to "Your Money This Week." ITunes listeners, if you enjoyed this podcast, please rate and subscribe to our program. We have been doing this only a short time and we are looking to help get the word out. For more on this and other personal finance issues, visit Bankrate.com and you can follow us on Twitter at Bankrate. Our editor in chief is Julie Bandy, managing editor, Katie Doyle. And thanks to producer Lucas Wysocki for his work in the studio. I am Mark Hamrick, from all of us here at Bankrate, here is hoping you have a great week.
Reports on tap
This week, we have the following reports scheduled:
- The Federal Reserve reports on May consumer credit Monday at 3 p.m. (all times eastern).
- The Federal Reserve releases minutes from the June 18-19 meeting Wednesday at 2 p.m.
- The Labor Department releases the June producer price index Friday at 8:30 a.m.
Mid-year status report
As investors begin to look at the markets' results from the first half of 2013, they might be wondering about the outlook for the rest of the year. Generally, the mood is fairly upbeat, despite lingering worries about possible impacts of forced federal budget cuts and weak economies in Europe. Hugh Johnson, chairman and chief investment officer with Hugh Johnson Advisors, sees continued improvement on the horizon.
"I am with the rest of the world and I think that growth is going to pick up in the second half of this year and through 2014," Johnson says. "I think that will be reflected in employment conditions getting better and better."
What does that mean for investors? Even with market-based interest rates rising, Johnson isn't too worried. "Generally speaking," he says, "I think we are entering a period where it's going to be much better for stocks than it is for bonds." Johnson's Albany, N.Y., firm manages about $2 billion in of assets for clients.
Any bubbles out there?
With unconventional means being employed by the Federal Reserve and other central banks around the world, some have worried about the possibility of new bubbles or crises popping up. Yale University economics professor Robert Shiller says he is among those who worry about a variety of areas, including the housing market. Shiller is known for his warnings about the risks associated with the housing market before the bubble burst. He's author of the best-selling book "Irrational Exuberance."
Says Shiller, "I have been arguing that home prices, while they appear to be on an upward trend, are definitely in danger of falling further. It is a speculative of market and it is affected by the government policy."
Rising rates, stocks and earnings
While he's concerned about a rise in interest rates, Shiller says, "It may be a good time to be investing in housing." He's also not urging people to avoid equities, even as his own gauge of stock valuations is running above the historical trend right now.
For stocks, Shiller watches what he calls his "Cape ratio," or cyclically adjusted price-earnings ratio. He says that is "real price divided by 10-year average of real earnings." He puts his ratio at 23 right now, compared to a historical average of "15 or 16."
This week in business history: Movie mogul's birthday
On July 12, 1884, Louis B. Mayer was born in Minsk. Although the exact date of his birth has been a subject of debate, the magnitude of his impact on the movie business is not. He first owned theaters and then a movie production company. As the head of MGM, short for Metro-Goldwyn-Mayer, he was credited for building the star system behind cinema classics such as "Gone with the Wind" and "The Wizard of Oz."
Follow me on Twitter @hamrickisms.


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Colleen Chalmers/The Times-Standard
Private detectives investigating the disappearance of a Southern California man -- who went missing after reportedly heading to work at a marijuana grow near what he called "Murder Mountain" -- said this week that his pickup truck was found broken down on private property in southern Humboldt.
Cook & Associates Private Investigation owner and licensed investigator Chris Cook said she's notified the sheriff's office about the latest information related to 30-year-old Garret Rodriguez's disappearance.
"I believe there's a strong connection," Cook said.
No one has heard from Rodriguez since Christmas time, officials and private investigators said. He was last heard from while en route from his home in the San Diego enclave of Ocean Beach to the mountains of southern Humboldt, where he was reportedly going to work at a marijuana ranch.
Rodriguez's father, who lives in central Mexico, said he believes some of his son's friends must know something.
"I believe that some of them know what happened to him, but they're afraid to come forward and say anything," Val "Buzz" Rodriguez said. "I know that for a fact."
His mother, who lives in Georgia, said she knows her son was going to work at an indoor grow in the Rancho Sequoia area near Alderpoint for the winter. She questions why the two people her son worked with have been silent about the case.
"It's important for people to know who he was working with," said Pamela McGinnis, who believes the two business associates were the last to be with her son.
Sheriff's Office Detective Todd Fulton said the names of the two men Rodriguez worked with are not being released at this time.
"We don't have any reason to release the names of his associates," he said. "As far as I know, his last known location was in San Diego."
Fulton said the office is investigating Rodriguez's disappearance as a missing person's case, but it is unclear if Rodriguez was in the county.
Cook & Associates investigator Jeremy Yanopoulos said Rodriguez had been involved with growing marijuana since high school, and had also been working with marijuana trafficking and sales between Humboldt County and San Diego for a couple years.
"He wasn't the top guy," Yanopoulos said. "It doesn't sound like it was paying particularly well."
McGinnis said her son never seemed to make much money in the marijuana business.
"I know a lot of young guys go up to Humboldt to try and make a lot of money. His goal was to save money, but there was always some reason why he didn't have any," she said.
His family said Rodriguez was in the marijuana business to save enough money to eventually fulfill his dream of having a home in Mexico.
"It was just the allure of money that got him involved, so he could build his home in Mexico," McGinnis said.
Rodriguez's family said he loved water sports, fishing and cooking -- mostly with fish and anything wrapped in bacon -- and he made a mean ahi poke sushi roll.
"He also had a famous crab dip that I know his friends liked. He'd cook anything, but he loved being in the ocean, so he always had tons of lobsters and fish on hand," McGinnis said.
His family said he won trophies for fishing and was once offered a full scholarship to a culinary school and apprenticeship program at a five-star restaurant in Colorado after he went through chef training in San Diego. Rodriguez turned down the opportunity because he did not want to leave his friends in California, family members said.
His aunt Bonnie Taylor, who lives in the Chico area, said she was the last family member to see him before he went missing. She said Rodriguez's friends were his family.
"He was sweet, loving, caring and good-hearted. He had a love of life," she said. "This guy wasn't somebody who just goes missing."
Rodriguez is described as being 5 feet 8 inches tall, weighing 180 pounds, with brown hair.
"He has the most gorgeous green eyes and a beautiful smile," Taylor said.
Rodriguez also has a tattoo of a colored ocean scene on his right shoulder.
"He actually knew how to swim before he was walking," McGinnis said. "I never thought he would leave the ocean."
Taylor said the family tried to talk Rodriguez out of going to Humboldt County for work.
"We tried as best we could. He didn't always make really good choices," she said. "Choice of certain friends. Choice of going up to Humboldt."
McGinnis said there have been hundreds of friends posting photos and memories of her son on a Facebook page dedicated to bringing him home, saying how much they miss him. "Everybody's really concerned," she said.
Yanopoulos said Cook & Associates is investigating rumors about what has happened to Rodriguez and speculation on why he disappeared.
It was not until April that Rodriguez was officially reported missing. Yanopoulos said it was not uncommon for friends and family members to go short periods of time without hearing from Rodriguez while he was working in southern Humboldt.
"But this went way beyond just business as usual," he said.
His father reported him missing on April 25 after one of his son's ex-girlfriends told him no one had heard from Rodriguez in months.
Taylor said the family knows in their hearts that Rodriguez made it to southern Humboldt and would have contacted them if he could. "There's no way Garret could be alive," she said. "He was a really sweet kid. I call him a kid; he was a man. But to me, he was a kid."
McGinnis said some people might look at her son's case and think, "Oh look, just more druggies."
"But he had a lot of people who loved him and thought the world of him," she said.
Anyone with information regarding Garret Rodriguez is asked to contact Cook & Associates Private Investigations at 839-7422 or call Chris Cook at 616-4507. You may also contact the Humboldt County Sheriff's Office at 445-7251.


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Sure. Definite underdogs, but yes.
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Get Scola or Brand then it is definitely possible.
A. all our players play to their potential
B. DWade remember's he likes to be injuries, Bosh never fully recoveres, and LeBron pulls a "IM THE ONLY GOOD PLAYER SO IM GONNA SUCK"
C. Rose never fully recovers
D. Kobe and Nash don't mix well
Then. And this is only a slight stretch.
Carmel HS Class of 2011
I'll expand on it later, but it's all on Paul George. If he becomes the TMac level player we all know he is physically capable of becoming, then yes. The team is gearing up for him to be the centerpiece and a take that leap toward stardom. If he's a mental/emotional midget we'll be a first or 2nd round exit every year.
No! We have also fallen behind others in the East. I cannot believe that we can stand pat and think we can have a repeat of last season. The luck we had last season cannot be duplicated (Howard less Orlando, a Chicago team with no plan if Rose got hurt, Horford out for Alt and Bosh being hurt). Philly, Alt. (addition of Williams and subtraction of Marvin and Joe), Nets, Chicago (drafting Teague adding Hinrich) Boston and New York are all better then the Pacers. Also Toronto, Washington and the Bucks all have made major moves to improve and should fight for the playoffs. I am not sure it is a given that we make the playoffs. I know that Darren is being dumped on by the local media but he started most of the season and we won a lot of games. Also he was playing on a team that early in the season was terrible at finishing off plays. I also hear that he lead breaks and shot a lot but as I remember guys were not running with him to help. I am not sold that Hill is a starting point guard and we signed a backup with a losing track record to back him up. We have taken a real step back this offseason that will be like the Murphy and Mike Dunleavy years. Roy will hurt us at some point during this next contract because he is way over paid and 40 million for Hill is just mind blowing. This is a borderline playoff team and we will continue to see that for years to come. I hope you are happy with that because that is all we are ever going to be. We have no upside!
Pretty extreme boundaries there.
Be Tracy McGrady or you're a mental midget.
I did say I'd expand on it later. The in betweens would result in an occasional variation in the depth of the playoff run (ie maybe get to the ECF).
Our goal should be to snatch the 2nd seed and advance to the ECF.
If we do this then I may be able to dream about a title
I think we will be good, as good as last year. Maybe, Just maybe, get that second over all record. The only way we have a chance is signing Scola or PG REALLY comes out of his shell like everyone thinks he will. If PG turns into -say- a prime Tracy McGrady. We have a shot.
So no?
You feel that good about the Pacers!
Early to jump the gun? I think every team can, some just more likely than others.
"What you do is so loud, I can't hear what you say" -Andrew LuckJunior at the University of Louisville
"If you turn the other cheek, I'm gonna hit you in the other cheek, too" -Charles Barkley
"Ego is edging greatness out" -Rick Pitino
Greenfield-Central High School Alum '14
Follow me on Twitter @steagles1
1000th post - 4/16/12 2000th post - 6/24/12 3000th post - 3/8/13
Not with the roster as it stands "right now".
In a vacuum, yes. In the 2013 NBA season, no.
Add Brand or Scola, closer, but no.
No, but we certainly improved and we're getting closer. so I'm not complaining.
We need a star player who wills the team to win by his play and force of personality. The Kobes, James,Wades, Jordans and the like just dominate physically and mentally. We just don't have that player who is so dominant.
Sometimes the coach has that kind of personality like Popovich, jackson, or Riley.
Others might disagree with me but I thought then and I still believe it now that the Pacers should have won the championship in 2004 and 2005. At the very least the talent was there.
PG: Jamaal Tinsley/Anthony Johnson/Kenny Anderson
SG: Reggie Miller/Fred Jones
SF: Ron Artest/Jonathan Bender
PF: Jermaine O'Neal/Al Harrington/Austin Croshere
C: Jeff Foster/Scot Pollard
PG: Jamaal Tinsley/Anthony Johnson/Eddie Gill
SG: Reggie Miller/Stephen/Jackson/Fred Jones
SF: Ron Artest/Jonathan Bender/James Jones/Michael Curry
PF: Jermaine O'Neal/Austin Croshere
C: Jeff Foster/Scot Pollard/David Harrison/Dale Davis
I know I am leaving other guys off from the 04-05 squad but they don't really matter.
My first thought after seeing these rosters is that these were DEEP teams. The Pacers from this past year were known as deep but I don't think they compare to these two teams.
Do you believe that the team the Pacers currently has is on par, talent-wise, with the teams in 03-04/04-05? I think this Pacers team has the potential to be similar. Of course it depends on guys improving but I don't think it depends on say Paul George becoming the Orlando Magic version of Tracy McGrady. The players do need to improve. The other factors in this will be the fit. The players on those two Pacers teams complemented each other well. Sure there were some weaknesses but overall they played well together. I think that last season was a season for this current Pacers team to find there way so to speak...to really develop some chemistry that will pay off this season.
Do I think this current Pacer team can win a championship? Yes, I do. As of right now would I predict them to? No. Keep this in mind though. That Pacer squad in 03-04 that won a league best 61 games (and if I remember correctly didn't lose more than once before they won again) just lost Brad Miller who was an all-star in 2003. Who thought the Pacers would go on to win 61 games after that? I wouldn't count out this Pacers squad to surprise some people this year either.
No, this team really needed to swing for the fences. That means offering a max contract to Gordon, making a real push for Nash, and keeping much of their core. I know it's difficult and improbable but that is the only way I see this team as a real title contender.
"Nobody wants to play against Tyler Hansbrough NO BODY!" ~ Frank Vogel
"And David put his hand in the bag and took out a stone and slung it. And it struck the Philistine on the head and he fell to the ground. Amen. "
Right now, no. But we can win the Central, and work it out from there from a favorable position with home court for a couple series.
If we get Scola, instead, I may start hoping for something better...
The ceiling for this group if we stay healthy and the Miami Heat stay healthy is IMO the ECF... If the Heat lose 1 of the Big 3 (wade), we will have a shot at NBA Finals...
However, if we can win an amnesty bid on a backup big (brand, scola), our depth can overcome the Heat... Reason being, they still have no answers at the 5 for Roy, and Bosh and Lebron can't hold down the frontcourt for 7 Games against a team with this much talent and depth at the 4 and 5... Just saying we've got a shot...
Last season we were widely considered one of the deepest teams in the NBA even though, we all know our second team couldn't score vs Air... This second team, this year will have a punch to it and will clearly be a strength for this franchise!!!
Maybe not this upcoming season, but if we can keep a majority of our young core intact I think we can compete with the big dogs with 2-3 years of playing together with good continuity. I think if we can get focused and get used to playing with each other we could be the team no one wants to face in the post season. If we are to be competitive on the level of Miami and other super teams our veteran leadership will need to establish to our young players on what it takes to be a true professional.


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|This Spicy Sausage, Lentil, and Tomato Soup was Kalyn's favorite Phase One recipe for February.
Phase One Appetizers and Condiments
Ham and Dill Pickle Appetizer Bites from Kalyn's Kitchen
Green Mojo Sauce from Cook Almost Anything
Slow Roasted Peppers with Basil, Capers, and Anchovies from She's in the Kitchen
Baked Feta from Food Stories
Chickpea and Eggplant Dip from Chico's Kitchen (serve with veggie dippers for Phase One)
Chimichurri Sauce from Kitchen Parade
Marinated Olives with Sun-Dried Tomatoes and Fennel from Cookin' Canuck
Phase One Salads and Salad Dressings
Napa Cabbage Salad with Red Bell Pepper, Cilantro, Peanuts, and Dijon-Ginger Dressing from Kalyn's Kitchen
Spicy Cabbage Salad with Tomatoes, Radishes, and Celery from Kalyn's Kitchen
Spicy Mexican Slaw with Lime and Cilantro from Kalyn's Kitchen
Napa Cabbage and Red Cabbage Salad with Fresh Herbs and Peanuts from Kalyn's Kitchen
Val's Sweet Cabbage Slaw with Green Onion and Parsley from Kalyn's Kitchen
How to Make a Vinaigrette and Our Favorite Balsamic Vinaigrette from Cookin' Canuck
Cajun Shrimp and Marinated Cucumber Salad from Perrys' Plate
Clean Eating Ranch Dressing from The Gracious Pantry
Lemon and Dill Bean Salad from Mele Cotte
Salsa Vinaigrette Salad Dressing from No Plain Jane's Kitchen
Chickpea Salad with Tahini-Avocado Dressing from Oh She Glows
Avocado, Lentil, and Pistachio Salad from Salad Pride
Creamy Sweet Curry Salad Dressing from The Daily Dietribe
Chipotle Caesar Dressing from Home with Mandy
Healthy Minted Green Vegetable Salad from Mele Cotte
Mixed Green and Radicchio Salad with Balsamic Rosemary Dressing from Lisa's Kitchen
Red Cabbage, Courgette (Zucchini), and Avocado Salad from Salad Pride
Tomatoes, Mixed Bean Sprouts, and Spinach Salad from Salad Pride
White Bean and Tuna Salad from Eat Real
Phase One Soups, Stews, and Chilis
Spicy Sausage, Lentil, and Tomato Soup from Kalyn's Kitchen
White Chili with Turkey and Cannellini Beans from Andrea Meyers
(Almost) Spring Vegetable Soup with Pesto from Running with Tweezers
Spicy Lentil Kale Soup from Dlyn
Chicken and Kale Soup from House of Annie
Slow Cooker Black Bean Soup from Creatively Domestic
Roasted Tomato Soup from Steamy Kitchen
Broccoli Soup from The Little Kitchen that Could
Broccoli Cheese Soup from All Day I Dream About Food (use olive oil instead of butter and low-fat cheddar for South Beach diet)
Fish Stew with Coconut from My Colombian Recipes (use light coconut milk and obviously don't serve with rice or potatoes for phase one)
Moroccan Chickpea and Tomato Soup from Nami Nami
Red Lentil, Spinach, and Lemon Soup from The Taste Space
Sausage, White Bean, and Kale Soup from Life's Ambrosia
Rancho Gordo Bean and Rosemary Soup from Running with Tweezers
Phase One Vegetables and Side Dishes
Roasted Asparagus with Garlic from Kalyn's Kitchen
Spicy Stir-Fried Sugar Snap Peas with Soy Sauce, Sesame Oil, and Sriracha from Kalyn's Kitchen
Baked Asparagus with Parmigiano-Reggiano and Balsamic Viengar from Leite's Culinaria
Spicy Stir-Fried Cabbage from Kitchenist
Roasted Cauliflower with Garlic-Tahini Sauce from Pro Bono Baker
Broiled Sugar Snap Peas and Cremini Mushrooms from Lemon Chiffon Bake
Spicy Mexican Black Beans from Andrea Meyers
Garlic Sauteed Spinach from Skinny Kitchen
Quick Curried Chickpeas from Budget Bytes
Spicy Moroccan Chickpeas from Thyme for Cooking
Cauliflower with Cumin from Cora Cooks
Stir-Fried Asparagus with Almonds from Sarah's Cucina Bella
Red Lentil Dal from The Weather in Cascadia
Roasted Baby Vidalia Onions and Cherry Tomatoes from Never Enough Thyme
Simple Italian Beans from Kitchenist
Roasted Cauliflower with Garlic and Tahini Sauce from Eat Real
Phase One Meat, Chicken, and Fish Entrees
Asian-Flavored Wild Salmon Patties with Ginger, Scallions, and Sesame-Lime Mayonnaise from Kalyn's Kitchen
Red Curry Beef with Mushrooms, Red Bell Pepper, and Cilantro from The Perfect Pantry (use light coconut milk and Splenda in place of brown sugar for Phase One)
Seared Ahi Tuna with Wasabi Cream from Life's Ambrosia
Asian Marinated Pork from Eat Little, Eat Big (use Splenda instead of honey or agave nectar for phase one)
Sauteed Garlic Shrimp from Sarah's Cucina Bella
Slow Cooker Beef Stew with Mushrooms from My Colombian Recipes (skip the red wine and don't serve with rice for Phase One)
Quick Lemon Garlic Fish from Budget Bytes
Lentils with Fennel, Kale, and Sausage from Everybody Loves Sandwiches
Kafta Balls with Tahini Sauce from Taste of Beirut (choose meat with 10% fat or less for South Beach Diet)
Swordfish with Spicy Chermoula Marinade and Sauce from My Year on the Grill
Phase One Vegetarian or Meat-Free Entrees
Tofu Scramble with Basil from Eat Well with Janel
Spicy Moroccan Chickpeas from Thyme for Cooking
Phase One Breakfasts
Tofu Scramble with Basil from Eat Well with Janel
Did I Miss Your Phase One Recipe?
Phase one menus for the South Beach Diet focus on lean meats, seafood, eggs, dried beans, soy products, low-fat dairy products, nuts and seeds, and most vegetables. Phase one doesn't permit fruit, alcohol, bread, rice, pasta, potatoes, sugar, or any foods high in saturated fat. Obviously I miss lots of phase one recipes, so if you're a food blogger who posted a recipe this month that you think would be approved for phase one, please feel free to e-mail me the link at kalynskitchen (at) comcast (dot) net. I'll take a look, and if the recipe is phase-one friendly, I'll add it to next months roundup. (Since I've been doing these Round-ups since March 2008, occasionally I may decline a recipe if the same thing has been featured several times already. Please don't leave recipe links in the comments. They will not be published.)


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ASHTON-under-Hill scraped home against Evesham Casuals but the Worcestershire Cricket Board Evesham Indoor League will go to the wire.
Casuals just failed to shock the title favourites, who lead Bredon by two points, as Ashton scored 108-4 to pass 107 all out on the last ball.
After losing their last two wickets in the 10th over, Evesham will feel they could have won.
Openers Pete Cross (36) and Andrew Stanley (34) ran decisively between the wickets, helped by unusually inaccurate Ashton throwing and a slice of luck.
Both retired having taken 60 from the first four overs, including 35 from successive overs by Will Archer and Tom Archer.
Tom Archer had Ash Charlton caught behind for a duck but at halfway Casuals were on 75-1 and a substantial total looked likely.
Adrian Witts (11) and Mark Smith (16) appeared settled but got out in the eighth over, re-uniting the two openers in the ninth as Lee Clarke failed to trouble the scorer.
Janitha de Alwis finished with 2-8 as the innings came to an abrupt halt for only 107.
In reply, Ashton struggled to 23-3 in the third over after two run-outs.
Normal service seemed to have resumed until the retirements of Tom Archer (30 not out) and de Alwis (37no).
Ashton needed 27 runs from the last two overs with new batsmen and Dan Garland was caught off Clarke.
So 15 were required from the final Charlton over and Matt Wakefield was run-out second ball.
Tom Archer and de Alwis returned but the game looked beyond Ashton until a wide yielded a crucial run and extra ball.
Three leg byes from the last ball brought joy to Ashton and pain for Evesham.
In the other match, five-man Redditch (121-1) lost to The Boxmen (123-2) with seven balls left.
Jack Roberson (25no) and Matt Harrey (25no) opened sensibly to provide Redditch with a launchpad.
Both retired and they then lost the first wicket at 73, which brought the older players together to take on the change bowlers.
Steve Harrey (26no) and Gary Roberson (11no) added 48 in just 20 balls, including 25 from Ollie May's last over.
But, with Redditch not having a full set of fielders, Boxmen took charge of the game early on.
Aaron Batchelor (25no) and Jason Haines (25no) put on 60 before handing over to May (15), Mike Banks (15) and Josh Tampkin (15no).
Despite two wickets for Harrey towards the end, the numerical advantage told.
Tuesday's matches from 8pm see Boxmen face Feckenham and Prince Henry's tackle Redditch.


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I don't watch television all that often, but I find one show particularly captivating: Bar Rescue on the Spike channel, in which an expert helps save failing bars from closing -- in the process revealing a great deal about business and the human psyche. In that spirit, I present a shortened pilot episode of Investing Rescue.
A Lesson on Time Horizons
Over the course of two weeks, I have observed more frequent equity "split calls" from top-paid strategists. My humble opinion is that these friends of the black-glasses industry are covering their hides, trying to protect client relationships -- and keep the fees rolling in -- by sounding cautious on near-term market direction while maintaining a bullish long-term stance . Realistically, none of us are likely employing the Warren Buffett approach of "buy and hold until dead, then pass the winnings onto heirs." We want to know the action plan today, for three months, for six months and so on.
So I offer this simple breakdown:
● Greater-than-one-year investment time horizon: By 2023, this dreaded 5% "correction" everyone is seeking will be a blip on the radar screen, especially if the market concludes 2013 up 15% plus. From a style perspective, for this time horizon I would favor value over growth due to the globally subdued macroeconomic picture (even considering sequential improvement), as this could severely test your ability to pick and hold a growth stock.
● A six-month investment time horizon: In today's terms, you have to continue favoring growth, as the market is giving you the trade. A case in point is Michael Kors (KORS). Another example is the homebuilding sector -- I favor Toll Brothers (TOL) -- with its hearty earnings-per-share outlooks and less-heady multiples, specifically in price-to-book, following a mini-pullback from the January highs.
● A three-month-or-less investment time horizon: Toss some respect to the Goldman Sachs team that downgraded its view on equities. I think their rationale to basically reduce long exposure and sit tight is proper, given the bearish factors I outlined Monday and Tuesday.
Remember, the market has essentially front-run second-quarter economic data and the accompanying earnings season -- a dangerous maneuver, given the impending sequestration and a too-complacent attitude on Europe.
Research Made Simple: Five Reasons Michael Kors Is Still Sexy
Thinking through an earnings report is not just about the company snagging the headlines, but how its "story" fits into broader sector trends. With that in mind, here are five points to make about the Michael Kors report -- and, in turn, the fortunes of Coach (COH).
1. The holiday quarter leaves no doubt: For middle-income consumers with money saved to buy handbags and accessories, this retailer is the top choice.
2. The overall strength of the Michael Kors quarter, in terms of margins and same-store sales, make for a compelling debate on whether Coach management was too optimistic on its turnaround for the next couple quarters.
3. Now investors in Coach are fully aware why the company is undergoing a brand repositioning.
4. Michael Kors grew strongly in terms of sales at the department store level. In my view, new shop-in-shops simply look more inviting and offer better product than Coach.
5. In-line earnings guidance for the current quarter are likely to be quite conservative, provided that recent spottiness in consumer spending doesn't turn into something larger.
A Brief State of the Union Analysis
● The speech had a little more partisan rhetoric than a ginned-up stock market would have preferred.
● Such rhetoric will hover over the markets like a dark cloud as sequestration draws closer. President Obama did not do much to alleviate headline/real economy risk-creep.
● He also may have injected new uncertainty company boardrooms with his mention of a minimum-wage plan and "energy trust" scheme; the latter sounds comparable to a tax on profitable free enterprises.
● Overall, it was not bullish speech by any stretch of the imagination (Obama didn't even say the state of the union was "strong" -- only "stronger"). It came in neutral, and lent some weight to the expanding thesis that a pullback is warranted.


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Deal stands: No one on the hook for West Valley triple murder
YAKIMA, Wash. -- Blaming the prosecution, a judge decided there was no evidence Kevin Harper broke his plea deal. This means the deal stays in tact and the state can't re-file murder charges against him.
Judge Ruth Reukauf seemed to waste no time deciding whether Kevin Harper's plea deal should be revoked.
"Unfortunately, because of the state's choices in this case, that is never going to happen," said Reukauf.
No suspects are left accountable for the murders of three members of the Goggin family.
Friends and neighbors of the family filled the courtroom Monday. Some left when the decision was made, others stayed.
"The judge said this was one of the dark days in her career to have to make a decision like she made and its a dark day for the rest of us to hear the decision that she had to make," said Raymond Vanderwall, a family friend.
Harper did plead guilty to some charges as part of his deal. The maximum sentence he'd receive for that conviction is about seven-years.
Harper would get credit for time served. That would leave about five-years remaining.
It's possible the judge could let Harper serve the last year and a half in a treatment facility.
"The hope now is that he gets the maximum sentence that they could prescribe for the two charges that he's pleaded guilty to," Vanderwall said.
"I should think that Mr. Harper will be a different person when he gets out," said Defense Attorney Pete Mazzone.
To get all sides, Action News tried to interview the prosecutors. They declined to comment after today's hearing.
Kevin Harper will be sentenced on October 1st.
The twists and turns with Kevin Harper's involvement in the West Valley triple murder have been going on for years now. Here's a look at the timeline of events since the brutal killings.
It all started when the bodies of Bill, Pauline and Bettye Goggin were found inside the gated community of Falcon Ridge in February of 2011.
Harper was arrested for the crime a few weeks later. His trial started last August. It stopped on the first day after his attorney said they'd no longer waive the right to a speedy trial.
Then about a month later, in a shocking development, Harper made a plea deal to lesser charges. Prosecutors later requested that deal be revoked and for murder charges to be re-filed.
Then in June, KIMA and other media outlets fought to keep you informed on the latest developments in the case.
New documents in connection to the case were released later that month. It indicated the evidence prosecutors planned to use to try to revoke the plea deal.
Finally, the state rejected a request to re-file murder charges against Harper. He'll be sentenced for unlawful possession of a firearm and possession of stolen property early next month.


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Black Elk was issued a subpoena by the U.S. Chemical Safety Board seeking details on the company's safety and environmental management plans and audits by the U.S. Department of Interior. The company must respond to the subpoena by Nov. 30, a spokesman for the board said.
In addition, the Philippine Embassy confirmed Saturday that a body recovered near the offshore oil platform in West Delta Block 32 – 25 miles offshore Grand Isle, Lousiana – in the Gulf of Mexico, belongs to one of two missing Filipino workers.
Roughly 22 of the reported 26 to 28 workers aboard the platform were Philippine nationals, including the recovered body and the four that were critically injured and being treated for serious burns. The Philippine Embassy has confirmed the body found was contract worker Elroy Corporal, which is being readied for repatriation to the Philippines after authorities perform an autopsy Monday.
The body was identified by Louisiana-based Grand Isle Shipyard, the employer of the victim, aboard the Houston-based and privately-owned Black Elk Energy platform which exploded Friday morning.
Divers working for Black Elk, whom are inspecting the structure to assess damage, are understood to still be searching for the second missing crew member.
The embassy confirmed in its statement that four injured Filipinos are being treated for serious burns at the Regional Burn Center of the Baton Rouge General Hospital. The embassy also said that doctors had confirmed in their latest reports that "two of the burn victims are in critical condition while the other two are in serious condition."
Early reports from the U.S. Coast Guard on Nov. 16 stated that production was not flowing from the well and at least 26 to 28 people had been aboard the platform. The workers were cutting into a line on the platform when sparks from a torch hit a storage tank, which then exploded, resulting in a two-by-a-quarter mile oil sheen around the site. The platform is located around 17 miles offshore Grand Isle, Louisiana in 21 feet of water.
The U.S. Bureau of Safety and Environmental Enforcement (BSEE) said Saturday it has established a seven-member team to investigate the explosion and fire.
"Witnesses will be interviewed, and documents containing the work procedures for the construction project will be reviewed," the BSEE said in a statement.
Grand Isle, a town home to around 1,300 people on a barrier island at the far southern tip of Louisiana, is also grappling with losses brought about by the August 2010 explosion of the Deepwater Horizon rig that killed 11 and unleashed the worst offshore oil spill in U.S. history.
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Kenneth | Nov. 21, 2012This was not a drilling rig, but a very old legacy production platform. This accident was not in the news much, not because it is an America company, but because it is a small independent Oil & Gas company. If the Deepwater Horizon accident would have been a major American Oil company, it would not been much different. The old "Company man is King" syndrome is what caused that accident IMHO, and should be done away with. The old system, when the Company man can overrule safety concerns is what, I believe caused the Deepwater Horizon accident. Conversely, If that same accident would have been a small independent, it probably would not received as much press, or criticism.
Robert Brown | Nov. 19, 2012This is obviously an American rig since we have heard nothing in the press, unlike the way BP were treated when it was obviously the American sub-contractors that should have shouldered the blame.
daniel dominick | Nov. 19, 2012This just shows how poor American companies attitude is toward safety. Employ cheap unskilled, uneducated foreign labour. It also shows the ignorance and lack of financial knowlege these so called industry leading executives have, that they can not see that their short term greed in saving on cheap foreign labour is actualy costing them and the Amercan economy much needed growth, that in turn would give them additional investment and growth. Well you have to keep your fellow country men in the gutter.
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NetWellness is a global, community service providing quality, unbiased health information from our partner university faculty. NetWellness is commercial-free and does not accept advertising.
Sunday, September 24, 2017
Weight Loss & Nutrition During CA Treatment
I am 60 pounds overweight. I have squamous cell carcinoma on the tongue. Nutritionist tells me I should NOT lose any weight during chemotherapy and radiation. WHY? If I maintain a diet of high protein, balanced with vegetables, fruits and carbs, and maintain a caloric intake of 2,500 calories a day . . . why should I be concerned about weight loss? My cardiologist wants me to lose weight. My blood sugar levels are high. WHY would I strive to maintain my obesity throughout chemotherapy and radiation?
Studies demonstrate that it is not in the patient's best interest to lose a significant amount of weight during cancer treatment. Those who lose less than 10% of their starting weight have better treatment outcomes and a decreased risk of becoming ill during and after treatment. This is because up to half of the weight lost during treatment can consist of muscle mass, and depleting muscle stores can not only lead to fatigue, but can compromise a person's immune system.
If a patient is obese, it is appropriate for him/her to lose 4 to 6 pounds in a month period during treatment as long as protein stores are not compromised. Monitoring bloodwork which reflects protein status is essential in making sure that a person losing weight does not compromise their immune function and is able to heal and recover appropriately once treatment is completed. Note that a high protein diet alone will not necessarily maintain a person's protein stores. Adequate calories (in the form of carbohydrates and fat) are required to meet daily energy needs and allow protein to function within the body and to help the body heal.
Kimberly Ortega, MS, RD, LD
Dietician and Oncology Specialist
School of Medicine
Case Western Reserve University


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County seeks feedback on
Roaring Fork Gorge Management Plan
October brings new opportunities for the public to offer input on future management of the Roaring Fork Gorge, a popular collection of open space properties near Aspen.
A draft management plan for the area was released at the end of last month, and reviewed during a joint meeting of Pitkin County commissioners and the county's Open Space and Trails board of trustees. Formal adoption of the plan is expected in December.
The gorge encompasses roughly four miles of open space and recreational amenities along the Roaring Fork River outside of Aspen, between Stein and Jaffee parks, including a stretch of the Rio Grande Trail. Eight public properties and two fishing easements are part of this playground – a scenic destination for anglers, boaters, cross-country skiers, bicyclists, walkers, joggers and equestrians.
"We spent much of the summer seeking input from all of these user groups," said Lindsey Utter, recreation planner for Pitkin County Open Space and Trails. "Their insights helped shape the management plan and some of their ideas have become formal recommendations for improving the amenities in the gorge or for better management of the area."
The Rio Grande Trail at Stein Park saw nearly 1,000 users this year on July 4, and more than 600 passersby per day, on average, were logged at the park during the month of July – staggering numbers as use of Pitkin County open space goes, according to Utter.
Proposed management actions in the draft plan include measures aimed at both recreation and conservation.
Among them is creating a dual surface for the Rio Grande Trail in the lower two miles of the gorge, upvalley from Jaffee Park, where there is room for both a paved and a soft surface. The draft plan recommends this project be done in 2014, leaving for the future a decision about the upper two miles of trail in the gorge, where physical constraints make a dual surface unfeasible. Upgrades to the gravel surface or paving the upper two miles are both options for consideration at a later date.
The plan also proposes upgrades at both Stein and Jaffee parks, including parking, restroom and handicap-accessible improvements, as well as, potentially, a water-bottle filling station at Stein Park.
Study of an improved trail connection between the city of Aspen's Burlingame Ranch affordable housing and the Rio Grande Trail is recommended for next year, as well, as are upgrades to the trail between Stein Bridge and the Rio Grande. The bridge, crossing the Roaring Fork below the Aspen Business Center, is slated for repairs next year. Raising the span to better accommodate boating at high water is among the recommendations.
The plan also recommends that wildlife and vegetation studies take place in 2014 to inform a River Conservation Plan in 2015.
Open houses to collect input on the draft management plan will be held Oct. 10 and 29 in the Rio Grande Room in Aspen, and Oct. 16 in the CMC-Aspen Art Gallery Room. They will all take place from 4-6 p.m.
In addition, site visits via bicycle are planned Oct. 8 from 1-3 p.m. and Oct. 21 from 5-7 p.m. Participants should bring a bike and meet at Stein Park, but an RSVP is required in order to join a bike tour.
The management plan, plus appendices, is available online at www.pitkinostprojects.com. Citizens may also provide comments to the plan via the website and go online to RSVP for a bike outing. http://www.pitkinOSTprojects.com or call to RSVP 920-5223.


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The Ataraxic Translatron is one of twelve new Eurorack modules about to be released from Noise Engineering. The Ataraxic is an oscillator like one from an 8bit video game console. I played with one at Control last week and it's really fun. The purple module with little green display also looks cool as hell. About $150 USD.
"The Ataraxic Translatron is a linear feedback shift register oscillator similar to those used in the first generation of home video game consoles such as the Atari VCS as well as many other classic arcade games. Linear feedback shift registers are an ingenious way to produce a variety of sounds with an extremely small amount of hardware. The Atari VCS used only around 35 logic gates to produce all of its sounds. The complexity of tone for relatively minimal hardware made this synthesis technique common for sound in the first generation of video games where hardware costs were the primary development constraint. As video games entered popular culture these sounds became iconic but have seldom made it out of the video game world except when sampled from the games themselves or as their own genre of music "chiptunes". The Ataraxic Translatron gives you classic arcade sounds in Eurorack format to be used just like any other VCO. 12 patches vary from a simple square wave to white noise with your favorite arcade sounds in between. All tones are available in 6 octaves range. A standard 1 volt per octave pitch control and CV control of the current patch are squeezed into a compact 4HP. An external clock mode that allows an external clock to drive the shift register allows for additional tone generation and modulation." – noiseengineering.us
For more info: noiseengineering.us/ataraxic-translatron


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What's your toddler's personality type?
Knowing this could impact your parenting style more than you realise. more
No matter what people say, there's an undeniable difference between raising girls and raising boys! Girls and boys respond to different types of parenting and understanding this will bring out the best in your child. Learn how to raise your daughter by reading the best parenting advice books bringing up girls at every age and stage.
Best books for raising boys | Pregnancy books | Babycare books
In this straightforward guide psychologist and parenting author Gisela Preuschoff outlines the unique behavioral differences between boys and girls and the emotional and physical development of girls. By giving parents an understanding of how girls tick, she reveals how we can help our daughters to grow up happy and strong.
Author : Gisela Preuschoff
Price : $24.95 Finch Publishing
This down-to-earth guide on how to raise self-assured optimistic, adventurous, generous, strong and loving young women is a must-have for anyone with daughters. It offers practical advice on bringing up girls from babies, tweens to teenagers by parenting gurus Ian and Mary Grant.
Author : Ian and Mary Grant
Price : $29.95 Doubleday
Elizabeth Hartley-Brewer reveals how children respond better to encouragement than they do to punishment in this guide. She gives parents an understanding of girls' unique sensibilities and shows us that by knowing how to award girls with the right sort of praise we promote their self-confidence and self-esteem.
Author : Elizabeth Hartley-Brewer
Price : $23.95 Vermilion
Girlosophy is the philosophy of being a girl in the 21st century. This 'soul survival' kit gives girls the spiritual, emotional and practical means to live the life they want and the confidence to achieve their goals and dreams. It encourages girls to believe in themselves, to be healthy and happy and to reach their full potential as young women.
Author : Anthea Paul
Price : $35.00 Allen and Unwin
Packed with fun illustrations and quirky facts and figures, Kaz Cooke covers everything a girl ponders and needs to know about as a teenager. Body changes, make-up, pimple sizes, hair, guys, embarrassment, smoking, sex, and how to find confidence are just a few of the topics covered.
Author : Kaz Cooke
Price : $39.95 Penguin
Maggie Hamilton looks at how modern life and influences such as media and advertising is shaping the personality, morality and well-being of girls today. She argues that many of the guidelines we offer girls no longer apply and gives parents profound insight into how to bridge the generation gap.
Author : Maggie Hamilton
Price : $29.95 Penguin