OUR FAVORITE HOLIDAY TV MOMENTS: Escape Whatever Family Gathering You're At By Watching These


seinfeld festivus

Hello there, BI reader. What's that? You're only an hour into your Christmas Eve gathering and already you've been asked to defend your single status and "in transition" employment situation?

Never fear: herewithin, some wonderful clips from our favorite Christmas TV episodes.

You can watch them on your smartphone or on Uncle Sal's old computer in the den, provided the dial-up can handle it.

All In The Family's "The Draft Dodger" will make your holiday sniping look like small potatoes.

Click here to watch >>

"Seinfeld": A Festivus for the rest of us!

Click here to watch >>

You will not believe how many things are going on in this clip from an episode titled "Silent Night, Baywatch Night."

Click here to watch >>

See the rest of the story at Business Insider

Please follow The Wire on Twitter and Facebook.

See Also:

Source: http://feedproxy.google.com/~r/businessinsider/~3/c-WYfIudXYA/christmas-episode-2011-12

capquest debt recovery christian debt relief clear your debt cnn debt calculator

Coldwater Creek: 2012 Preview

With 2011 almost in the rearview mirror, many investors start to mull over their portfolios and ask what comes next. It's a fair question, and the answers we find are really the crux of great investing. The ability to identify value before the market has already baked expectations into the stock price is what distinguishes the successful investor.

With that, let's take a look at Coldwater Creek (Nasdaq: CWTR  ) . This company is a specialty retailer of women's apparel, accessories, jewelry, and gift items. It operates through both retail and direct-to-consumer channels.

 Stats for Coldwater Creek

Source: S&P Capital IQ & Yahoo! Finance.
NM = not meaningful
**Value in millions.

2011 summary
It was not a kind year to Coldwater Creek. Tthe stock underperformed the Dow Jones Industrial Average (INDEX: ^DJI  ) by almost 67%.

Coldwater Creek Stock Chart by YCharts

This underperformance is a result of consistent mismanagement. The company recently posted a $29.2 million loss and posted a same-store-sales retraction of 19.8%. Their guidance had to be continually lowered throughout the year as the company suffered from excessive inventory levels.

What comes next
High cotton prices plagued clothing retailers over the past year, but as prices continue to drop, retailers should benefit from easing margins. At least most retailers, that is, but probably not Coldwater Creek. Though Coldwater has whittled down its inventory levels, they still remain extremely high. That means it must rely on deep discounts to sell out of season apparel, a move that has crushed competitor Talbots (NYSE: TLB  ) and will continue to weigh on American Eagle (NYSE: AEO  ) . With same-store sales continuing downward, it'll have to spend a lot on marketing to help boost traffic.

This traffic will be harder to generate as rivals such as Chico's FAS (NYSE: CHS  ) and ANN (NYSE: ANN  ) continue to build on their increased traffic.

Ultimately, Coldwater is up the creek and has to paddle twice as fast to get back to even. Bulging inventory and declining same-store sales are the hallmark of a dying retailer. Even if it dramatically turns things around, there will be a lag between the action and impact, so 2012 is shaping up to be another disappointing year.

If you're looking in the retail space, there are much better bets. One that I'm particularly excited about is The Motley Fool's Top Stock for 2012. Unlike Coldwater Creek, this retailer has realized 15% same-store sales for the past 15 months. It still has a small number of stores and a tremendous amount of room for growth. The report is 100% free, but it won't be forever, so access it today

Powered By WizardRSS.com | Full Text RSS Feed | Amazon Affiliate | Settlement Statement

Source: http://www.fool.com/investing/general/2011/12/24/coldwater-creek-2012-preview.aspx

debt recovery solutions debt recovery uk debt reduction calculator debt reduction companies

Banks Just Got Their Holiday Wish?The Commenting Period For the Volcker Rule Has Been Extended


Paul VolckerThe public commenting deadline for the Volcker Rule has been extended by a month amid requests for more time from banks, lobbying groups and congressional politicians, Bloomberg reported. That should provide some year-end relief for banks, whose operations will be hit the hardest by the law.

The rule, arguably one of the most controversial parts of the Dodd-Frank financial reforms, prohibits banks from engaging in proprietary trading—or taking risks with its own capital—in an effort to remove risk from the deposits at the bank's retail operations.

The extension comes after Representative Randy Neugebauer (R-TX) released a letter to regulators this morning signed by 121 House representatives asking for more time. Although the move has been mainly favored by Republicans, four Democrats also signed the letter. It is likely the time frame for commenting to Feb. 13, 2012 from the original Jan. 13 date. The rule is suppose to go into effect July 21, 2012 with a two-year implementation period, and it is unclear if this commenting extension will affect the effective date.

The draft proposal of the Volcker rule was released by the Federal Reserve, Securities &  Exchange Commission, Federal Deposit Insurance Corp and the Office of the Comptroller of the Currency in October, but the Commodity Futures Trading Commission has yet to publicize their proposal. Since its release, the law's complexity—it's nearly 300 pages and has as many questions as rules—has come under fire from prominent figures in the financial industry, such as former former Fed Chair Paul Volcker (who the rule is named after) and former FDIC chair Sheila Bair.

Lawmakers and lobbyists and have pinpointed to the CFTC's delay in releasing their proposal and the fact that several regulators have refused to testify at Congressional hearing on the rule as a reason for the necessity of the extension, according to Reuters. But it seems like they won't be able to use that argument if they want anything longer than 30 daysthe CFTC will be meeting in early January to release their Volcker proposal and a hearing within the House Financial Services Committee has been set again for Jan. 18.

Please follow Clusterstock on Twitter and Facebook.

Join the conversation about this story »

See Also:

Source: http://feedproxy.google.com/~r/businessinsider/~3/D959CnCBJtg/commenting-period-for-the-volcker-rule-extended-2011-12

debt recovery letter debt recovery solicitors debt recovery solutions debt recovery uk

Unifying Your Team: More From Coach Tony Dungy

In the NFL, there?s only one goal?winning. But for Tony Dungy, former head coach of the Indianapolis Colts and best-selling author, one of the top moments of his life came after an epic failure. In 2002, he was fired as coach of the Tampa Bay Buccaneers after six seasons with the team. A year later, his former team won the Super Bowl without him. He was over the moon.

Why was he so proud? Because the team accomplished the goals they made with Tony during the previous years. Even without their coach, they were unbelievably unified, which was the topic of last week?s EntreLeadership podcast. Host Chris LoCurto talked to Tony about unity and leadership, plus a whole lot more. But like all good things, it had to come to an end. Luckily, we were able to capture the rest of Tony?s interview.

What leaders, legendary or living, do you admire most?

There are really several people. Nelson Mandela is a person who I?ve gotten to know about since my daughter went to South Africa. Going over there to visit and seeing someone who cared more about his people than his personal problems was really stunning to me.

I grew up in the Civil Rights era, so obviously Martin Luther King. I was with George Bush after we won the Super Bowl. He talked about giving the order to go and fight, realizing that it was going to cost a lot of American lives. He really believed it was the right thing to do. People like him, those in leadership positions who make the tough decisions, are who I admire.

What books have most influenced your career?

John Wooden?s autobiography influenced me in terms of coaching. Coach Wooden won a lot in a way that was very dignified and very Christian-oriented. It made me realize you could do things the Lord?s way and still be effective as a coach. Here was one of the greatest winners in the history of college basketball, and he put the Lord first. As a young coach coming up in the profession, it was very encouraging.

After (Philadelphia quarterback) Michael Vick was sent to prison, you began mentoring him. Tell us just a little bit about that.

When I went to see him, I found out about his background. What struck me was that all the benefits I enjoyed, all the lessons I learned from my dad and people around me, like my uncles, he didn?t have. He was blessed with a lot of God-given ability, a great platform, a lot of money and playing in the National Football League; but he didn?t have the foundation I had. And so, he made some mistakes.

Then, the question became, ?What are you going to do once you get out?? You can?t change history, but you can change where you are going. We talked about it, and I felt like he was sincere in his desire to change.

Michael told me one of the toughest moments he had in prison was getting a letter from a young boy who said. ?Michael Vick, you are my favorite player. Why aren?t you playing?? Michael had to write back and tell this young kid who was a fan, ?I?m not playing because I have made some mistakes in my personal life.? Michael said he wanted to get back to show that boy that he made some mistakes but wasn?t a bad person.

When he was telling me that story, I just felt like he was going to make it. I didn?t know he would come back and play as well as he?s played. I felt like he was going to make it personally.

Was your goal to get Michael Vick to return to the NFL?

My first desire was to get him back with his family. So, we talked about it. I told him, ?Hey, you grew up without your dad there. You don?t want your kids to grow up the same way. That?s the first thing you have to do. And then, we need to look at your decision-making and lifestyle.? Football was after all that?way, way secondary. I think that?s why Michael did so well. He put the right things first.

The Easier Way to Make Hard Decisions

Making the tough calls isn?t simple or pretty. But as an EntreLeader, it?s part of your job. On our next EntreLeadership podcast, Dave discusses the easier way to make those hard decisions. Plus, we?ll have a special interview with Jim Collins, author of Good to Great, Built to Last and How the Mighty Fall. It?s a broadcast you won?t want to miss!

Powered By WizardRSS.com | Full Text RSS Feed | Amazon Affiliate | Settlement Statement

Source: http://www.daveramsey.com/article/unifying-your-team-more-from-coach-tony-dungy/lifeandmoney_business

non profit debt help non profit debt management north carolina debt consolidation nova debt

Conceptual Framework For Financial Accounting 2012

Conceptual framework is usually defined as being a constitution. It’s an organized routine of interconnected goals and basic concepts. It determines the character, limits and goal of fiscal accounting. What’s more, it bargains with theoretical and conceptual difficulties, bordering fiscal accounting and creating logical and constant foundation that justifies accounting standard. It outlines the grounds [...]

Source: http://www.legaldebthelponline.com/2011/12/23/conceptual-framework-for-financial-accounting-2012/

debt ratio calculator debt ratio formula debt recovery agency debt recovery agents

The Toyota Prius

Toyota, among Japan’s notable automobile companies, has launched the latest edition of the Prius. Toyota very first introduced the world to the Prius in The late nineties, us dress shop and heavy advances of enhancement happen to be created because. Even though Prius was introduced to the world in The late nineties, this didn’t introduction [...]

Source: http://www.legaldebthelponline.com/2011/12/22/the-toyota-prius/

home equity debt consolidation international debt collection langhorne debt solutions medical bankruptcy

Wells Fargo Picks Up Piece Of Banks Of Ireland, Stock Going To $30

Wells Fargo announced its decision to acquire Burdale Financial Holdings Limited, along with an almost $1 billion loan portfolio of Burdale Capital Finance. Burdale is a fully owned subsidiary of the Bank of Ireland.

Source: http://www.forbes.com/sites/greatspeculations/2011/12/23/wells-fargo-picks-up-piece-of-banks-of-ireland-stock-going-to-30/

bankruptcy debt relief best debt consolidation company best debt consolidation loan best debt management