WATCH: How The New Kids On The Block Changed The Super Bowl Halftime Show Forever


New kids on the Block, Super Bowl

Back in the early days of the Super Bowl, the halftime show resembled that of most college football games, a marching band. Super Bowl I featured the marching bands from the University of Arizona and Grambling State University. And for the first 20 years, that is all the halftime show was.

And then, in 1987, for Super Bowl XXI, George Burns and some Disney Characters were added to the mix and the halftime show became more of a show.

But it wasn't until Super Bowl XXV in 1991 that the halftime show became an event. That was when New Kids on the Block performed. Yes, the New Kids. And the Super Bowl halftime show has never been the same.

On the next few pages, we will take a walk through the evolution of the halftime show with a look at the more notable moments...

Super Bowl III (1969) - Florida A&M University Marching Band

Super Bowl VII (1973) - University of Michigan Marching Band

Super Bowl IX (1975) - Grambling State University Marching Band

See the rest of the story at Business Insider

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Source: http://feedproxy.google.com/~r/businessinsider/~3/PC80qrC7YQc/evolution-super-bowl-halftime-show-2012-1

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Celgene Meets on the Top Line, Misses Where It Counts

Celgene (Nasdaq: CELG  ) reported earnings on Jan. 26. Here are the numbers you need to know.

The 10-second takeaway
For the quarter ended Dec. 31 (Q4), Celgene met expectations on revenues and missed expectations on earnings per share.

Compared to the prior-year quarter, revenue increased significantly, and GAAP earnings per share expanded significantly.

Gross margins expanded, operating margins contracted, net margins expanded.

Revenue details
Celgene recorded revenue of $1.28 billion. The 17 analysts polled by S&P Capital IQ predicted revenue of $1.28 billion. Sales were 20% higher than the prior-year quarter's $1.07 billion.

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Source: S&P Capital IQ. Quarterly periods. Dollar amounts in millions.

EPS details
Non-GAAP EPS came in at $1.05. The 25 earnings estimates compiled by S&P Capital IQ predicted $1.06 per share on the same basis. GAAP EPS of $0.81 for Q4 were 107% higher than the prior-year quarter's $0.44 per share.

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Source: S&P Capital IQ. Quarterly periods. Figures may be non-GAAP to maintain comparability with estimates.

Margin details
For the quarter, gross margin was 94.0%, 130 basis points better than the prior-year quarter. Operating margin was 29.6%, 90 basis points worse than the prior-year quarter. Net margin was 31.9%, 1,230 basis points better than the prior-year quarter.

Looking ahead
Next quarter's average estimate for revenue is $1.31 billion. On the bottom line, the average EPS estimate is $1.12.

Next year's average estimate for revenue is $5.52 billion. The average EPS estimate is $4.83.

Investor sentiment
The stock has a five-star rating (out of five) at Motley Fool CAPS, with 1,454 members out of 1,505 rating the stock outperform, and 52 members rating it underperform. Among 394 CAPS All-Star picks (recommendations by the highest-ranked CAPS members), 379 give Celgene a green thumbs-up, and 15 give it a red thumbs-down.

Of Wall Street recommendations tracked by S&P Capital IQ, the average opinion on Celgene is outperform, with an average price target of $74.83.

The biotechnology and health-care investing landscape is littered with also-rans and a few major winners. Is Celgene the right stock for you? Read "Discover the Next Rule-Breaking Multibagger" to learn about a company David Gardner believes will be a phenomenal success over the next few years. Click here for instant access to this free report.

The Collapse of the Euro
Europe is only weeks away from economic collapse, insists a former IMF chief. Yet you probably haven't heard the whole story: You can protect yourself and even profit from this looming catastrophe if you move fast enough...

Discover your chance to profit now. Enter your email address below to receive your copy of "The Investor's Guide to Shorting the Euro." Developed by the expert analysts of Motley Fool PRO, this report is yours FREE for a limited time. Enter your email address now.

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Source: http://www.fool.com/investing/general/2012/01/28/celgene-meets-on-the-top-line-misses-where-it-cou.aspx

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2 Stocks Stopping the Presses

You've seen the headlines. You know your stock price made a big move. But what does that portend for your investment's future?

By pairing the latest news with the collective wisdom of our 180,000-strong Motley Fool CAPS investing community, we might be able to discover whether your stock's latest exploits are a short-term hiccup -- or the start of a much bigger trend.

The following two stocks have both made big moves over the past five trading days, one up, one down:

Source: Motley Fool CAPS, % Chg. from Jan. 19 to Jan. 26

72 inches down
It was supposed to be the centerpiece of its ascendancy, but it was realized that the sale of InterDigital's patent portfolio would ultimately not amount to much. The company admitted as much the other day when it said it was taking the portfolio off the market, sending shares lower.

Dollar signs floated before everyone's eyes after bankrupt Nortel got billions for its patent portfolio and Motorola Mobility (NYSE: MMI  ) got billions more from Google. InterDigital (and a few others, like VirnetX Holdings [NYSE: VHC]) quickly had their green-eyeshade types calculating just how much they could realize if the key patents they held could also be monetized.

Unfortunately, after all those monied companies had bought into patents of its rivals, there didn't seem to be anyone with deep enough pockets to buy InterDigital's IP. Of course, it can still operate successfully and profitably as a standalone company; it's just not going to realize a quick influx of cash, and the overreaction by the market represents an opportunity, according to CAPS All-Star dj2000a.

You can put InterDigital on your Watchlist to be alerted if some white knight ends up coming riding to the rescue.

Keep on truckin'
Hey, stranger things have happened. Just look at trucking giant YRC Worldwide, which at one point was a sure candidate for bankruptcy, but has managed to bypass disaster. It's not a healthy trucker yet, but it's no longer on the side of the road with four flats either.

The trucking industry is on the road to recovery, according to the American Trucking Association, as for-hire truck tonnage soared 6.8% in December, well ahead of expectations and November's anemic 0.3% increase. Tonnage was up more than 10% last month. To underscore the improvement, JB Hunt (Nasdaq: JBHT  ) just reported results that were ahead of analyst expectations as revenues surged 18% in the fourth quarter, generating a 26% increase in operating profits. Con-way and Old Dominion Freight Lines are scheduled to report earnings next week.

YRC is still attempting to restructure itself back to profitability. As the country's third largest less-than-truckload carrier, YRC still needs to negotiate the tricky landscape of Teamster work rules that hamper its ability to fully gain control of the wheel.

Unfortunately, CAPS All-Star kkconway sees YRC's case as hopeless.

They will never achieve positive cash flow because they have too much debt to repay, and when business picks up, so will the cost of fuel. They can't win. They can't raise rates either, because low-cost, often non-union, competitors will steal most of their customers.

Add YRC Worldwide to your Watchlist and let us know in the comments section below if it will find its way to the open road again.

Read all about it!
All three of these stocks made a lot of noise this week, but The Motley Fool has identified one company that's breaking all the rules on its way towards delivering multi-bagger gains. You can get instant access to this companies by clicking here -- it's free! But only for a limited time, so hurry.

The Collapse of the Euro
Europe is only weeks away from economic collapse, insists a former IMF chief. Yet you probably haven't heard the whole story: You can protect yourself and even profit from this looming catastrophe if you move fast enough...

Discover your chance to profit now. Enter your email address below to receive your copy of "The Investor's Guide to Shorting the Euro." Developed by the expert analysts of Motley Fool PRO, this report is yours FREE for a limited time. Enter your email address now.

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Source: http://www.fool.com/investing/general/2012/01/27/2-stocks-stopping-the-presses.aspx

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Friday Integrated Wrap-Up: HFC Soars, Earnings from CVX

Maxwell is a member of The Motley Fool Blog Network -- entries represent the personal opinions of our bloggers and are not formally edited.

Integrated oil stocks underperformed the S&P 500 index -1.02% to -0.16%.  Leaders today included HollyFrontier Corp. (NYSE: HFC) and China Petroleum & Chemical Corp. (NYSE: SNP). These stocks rose 2.94% and 1.60%, on volumes of 2.88M and 114.00K, respectively.  Laggards included Chevron (NYSE: CVX), which reported earnings, and BP (NYSE: BP). These stocks fell 2.47% and 2.39% on volumes of 10.43M and 8.76M, respectively.

Sector-wide news highlighted traders selling crude and buying gasoline; a 2012 oil & gas capital expenditure outlook that projected spending increases of 13%; and a commentary of the quiet rallying of the world's three largest integrated oil companies.

HollyFrontier saw its shares rise today without any major news releases.  It seems the street may be catching on to the company's excellent financial health and relatively low valuations.  Buy-and-hold investors should see tremendous upside with this security.  More specifically, HollyFrontier's P/E is at 5.56 (vs. a 10.15 industry average), its 5-year expected PEG is 0.15 (vs. a 0.74 industry average), its operating margin is an impressive 11.20% (vs. a 3.09% industry average), and its P/B sits at 1.19.  Because HollyFrontier's model is heavily tilted toward the refining side (it has a small marketing division) margins are of key importance.  

As was already mentioned, HollyFrontier's operating margin is 11.20% and its net profit margin is 9.4%.  These impressive figures are further bolstered by the company's 24.49% ROE, and 24.5% retained equity, which has helped the company accumulate $1.72B in cash.  If one factors in HollyFrontier's remaining assets, its total current assets sit at $4.38B.  With only $2.38B in current liabilities and $1.23B in long-term debt, HollyFrontier's cash position and valuations look very Buffett-esque.  Some of the risks that come along with refining stocks are the enormous operating costs, but as has been demonstrated, HollyFrontier's solid management has stockpiled enough cash to fund significant future operations.  The company's $350M share buyback plan announced at the beginning of this month should sit well with shareholders as well.

Chevron announced earnings of $2.58 per share, which missed the $2.84 consensus from 20 analysts covering the company for a negative earnings surprise of 0.264, or 9.28%.  Profits slid on a 3% refinery decline.  I hold the opinion, however, that today's sell-off should be deemed as unimportant by shareholders.  Although this quarter's earnings were just off the mark, YoY comparisons demonstrate how efficient Chevron was throughout the whole year.  More precisely, Chevron earned $26.9 billion, or $13.44 per share, compared with $19 billion, or $9.48 per share in 2010. Further, annual revenue increased 23.3 percent to $253.7 billion.  

To add to YoY comparisons, CEO John Watson stated that Chevron is looking to make acquisitions with its $10B in cash earlier today.  With an acquisition favored over share buybacks, future production and earnings should continue to provide the results shareholders are used to.  After all, Chevron was able to provide positive earnings surprises in every other quarter last year.  The average positive earnings surprise was 5.34%.  Everything considered, Chevron's alluring fundamentals (7.72 P/E, 0.92 P/S, 11.79% profit margin, 24.20% ROE, and $20.34B total cash (MRQ) to $9.74B total debt) still have a lot to offer buy-and-hold investors.

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Source: http://beta.fool.com/maxwellkirchhoff/2012/01/27/friday-integrated-wrap-hfc-soars-earnings-cvx/1359/

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Credit Card Debt Settlements ? How To To Legally Reduce Credit Card Debts

Credit Card Debt Settlements – How To To Legally Reduce Credit Card Debts If you are looking for credit card debt relief, you are most most likely to turn to an qualified expert or debt settlement business. This can be a good start, but earlier than you take this vital step there are some items [...]

Source: http://www.legaldebthelponline.com/2012/01/26/credit-card-debt-settlements-how-to-to-legally-reduce-credit-card-debts/

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More Than Money

By Amy Hammond Hagberg
Originally published in the December 2011 edition of
Living With Teenagers magazine, © 2011, LifeWay Press®. Reprinted with permission.

When financial guru Dave Ramsey found out his 15-year-old daughter, Rachel, had bounced three checks, he didn?t yell or get angry. Instead, he told her in a calm voice that the following day she was to go down to the bank and apologize.

As her mom waited in the parking lot, Rachel walked through the big glass doors of the bank, down the long hallway to the branch manager?s office, and knocked sheepishly on the door. She was scared.

?What can I do for you, Miss Ramsey?? the bank manager said with a quick smile.

?Well, I?m here to apologize to you for lying.?

?Excuse me?? he said.

?I told you I had money in your bank to spend, and I didn?t. That?s a lie and I?m sorry.?

He started laughing. ?Did your father tell you to come down here and say that to me??

Rachel learned an important lesson that day and hasn?t bounced a check since. She also learned that owning up to mistakes can have unexpected payoffs?after her apology, the bank manager waived her overdraft fees.

The House that Ramsey Built

Dave Ramsey is one of America?s foremost experts on personal money-management. Starting from nothing, he had a net worth of more than $1 million and was making $250,000 a year by the time he was 26.

He also had a lot of debt. After fighting it for more than two years, he and his wife lost everything. He went on a quest to find out how money really works and slowly worked his way out of the red. In 1992, he formed The Lampo Group to counsel people hurting from the results of financial stress.

Since then it?s been an impressive rise to fame. His New York Times best-selling books?Financial Peace, More Than Enough, and The Total Money Makeover?have sold more than 6 million copies combined. His latest book, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches, released in September. His nationally syndicated radio show is heard by 4.5 million listeners each week on more than 500 radio stations.

He is also the founder of Financial Peace University, a 13-week program that helps people dump debt, get control of their money, and learn new behaviors that are founded on commitment and accountability. More than 1.5 million people have attended FPU classes.

Growing Up Ramsey

The Ramseys? growing financial statement didn?t change the way they raised their children. In fact, Rachel didn?t really know that her father was successful until strangers started recognizing him when she was in her mid-teens.

?Our lifestyle didn?t change much,? she said. ?We went on nice vacations and things like that, but nothing extreme ever happened. It wasn?t like one day Dad suddenly said, ?We?re going to buy whatever we want.? I don?t want to say they were frugal. They enjoyed their money, but they were not lavish or very showy.?

Early on, Dave and Sharon Ramsey taught Rachel and her siblings the importance of saving, spending, and giving, along with how the decisions they make with their money reflect their values.

?My parents worked hard for the money they earned and they wanted us to make that connection,? she says. ?So we worked and had a commission as kids. We never were given an allowance.

"You work, you get paid. You don?t work, you don?t get paid. Like in the real world. We learned that when we were 5 years old.?

Saving was a top priority. Despite their father?s success, turning 16 in the Ramsey house didn?t mean getting the keys to a new car and a full tank of gas.

?Mom and Dad told us growing up that they weren?t going to pay for our cars when we turn 16. They would pay for half of them and would match whatever we had saved. We had a goal for saving, and we learned how to spend money wisely.?

Rachel worked hard and was able to save $8,000 by the time she was 16. When her parents matched her cache, she was able to purchase a $16,000 car?not bad for a high school student.

Since her parents refused to be an ?ATM,? Rachel learned fiscal responsibility was by managing her own checkbook. When they turned 15, each Ramsey kid opened a checking account. Each month, their parents deposited the money they would normally spend on the kids? food, entertainment, clothes, gas money, and any other expenses. Then, they put the kids in charge of managing those funds with a checkbook and debit card.

The Ramseys also stressed the importance of giving. ?Even when my parents didn?t have a lot, they were always helping others. I?ve learned through my parents how great blessing others can be.?

Rachel?s Personal Mission

After graduating from The University of Tennessee in 2010 with a B.A. in communication studies, Rachel joined Dave?s team full time. Today she?s passing on her father?s financial principles to her generation at high schools, colleges, and youth conferences. Get more information.

?I feel very strongly about reaching my peers with this message,? she says. ?I can use the platform my dad has built to reach even more teenagers and young adults.?

Young people often make bad financial decisions that affect the rest of their lives. One of the biggest mistakes is getting caught up in the trap of credit cards.

?If you can?t afford it, you don?t need to buy it,? Rachel shares. ?Save and pay for everything with cash. Use a debit card. Your debit card works just as well as a credit card, but you actually have money in the bank.?

In Rachel?s view, student loans, which can lead to as much as $26,000 in debt, are also a bad idea. Instead, she recommends using a pay-as-you-go strategy.

?If the average college student works 20 hours a week, they can pay their way going through a state school,? she explains. ?The financial aid office will work with them so they can cash flow their way through a semester.?

A private school can cost five times as much as a state school, so Rachel tells students that if they can?t afford to go to a private school and pay cash, go to a state school or community college.

?It?s an amazing thing when you can graduate from college completely debt free, not owing anyone anything.?

Debt-Free Matrimony

In 2009, Rachel married Winston Cruze. Before they walked down the aisle, they went through Financial Peace University together and made sure they were on the same page when it came to money.

?Even though I grew up learning how to handle money, I had never had to share the responsibility with anyone else,? she points out. ?Now Winston and I sit down each month and have our budget meeting. We lay out a plan for our money and agree to stick to it. Working together when it comes to finances has allowed our marriage to be strong from the beginning and focus on good times rather than fighting about money.?

?It?s hard for me to stick to it,? she admits. ?I?m the spender. Winston is a saver. There needs to be some balance in your marriage to get the budget to balance and to work.?

The Graduate Survival Guide

There are so many questions when you go to college. On campus or off? Used books or new? Find a roommate or live by yourself? Do you sign up for that credit card to get a free meal or is that a scam?

The Graduate?s Survival Guide is a resource guide for incoming college students to find the answers they need about college life. It covers everything from meal plans to scheduling classes to housing options. You don?t have to read it cover to cover or watch the entire DVD. You can flip it through to easily find the information you are looking for.

AMY HAMMOND HAGBERG is a veteran writer, speaker, and radio host. She recently co-authored (with David Parnell) Facing the Dragon: How a Desperate Act Pulled One Addict Out of Methamphetamine Hell (Health Communications, 2010). Amy lives with her family in Buffalo, Minnesota.

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Source: http://www.daveramsey.com/article/more-than-money/lifeandmoney_kidsandmoney

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