Wall Street Watch: Green Mountain Coffee Earnings Brewed Up Strong

Green Mountain CoffeeGreen Mountain Coffee Roasters (GMCR) isn't dead after all.

Shares of the company behind the Keurig single-cup brewer and the K-Cup refills that keep hot blasts of coffee, tea, and other beverages coming were hot and caffeinated after posting blowout quarterly results after Tuesday's market close.

Revenue soared 33 percent to $946.7 million and adjusted earnings raced 36 percent higher to $0.64 a share. Analysts were actually expecting essentially flat earnings growth for the period.

Java sippers aren't tiring of the company's flagship machine, judging by a 30 percent increase in brewer and accessory sales. Folks are also using the Kuerig brewers more given the surprising 47 percent pop in K-Cup portion packs.

There was an extra week in the fiscal period, but Green Mountain still would've grown net sales and adjusted earnings at a roughly 20 percent clip. It should also be pointed out that analysts aren't dummies. They were modeling the extra week in their projections.

Things will get challenging for Green Mountain now. Patent protection on its K-Cups expired in September. However, the company is still eyeing 15 percent to 20 percent net sales growth for the next fiscal year. Green Mountain is also raising its profit guidance for fiscal 2013.

Like a strong cup of Joe in the morning, Green Mountain's report is a welcome caffeinated blast at a time when investors needed it the most.

Other Things Worth Watching

? Is Groupon's (GRPN) next hot deal the search for a new CEO? Tech investing blog AllThingsD is reporting that the company's board is exploring an executive shakeup that may not spare the company's founding CEO. It may be an odd time to talk about rattling Groupon. The shares have closed higher in eight of the past nine trading days.

? PVH (PVH) put out a casually dressed quarterly report that looks better at the bottom than the top after Tuesday's close. The fashionable apparel giant behind Tommy Hilfiger and Calvin Klein scored a profit of $2.24 a share -- up sharply from last year's $1.54 a share showing -- on flat revenue of $1.6 billion.

Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article, except for Green Mountain. The Motley Fool owns shares of and has created a synthetic short position on Green Mountain Coffee Roasters. Motley Fool newsletter services have recommended buying shares of Green Mountain Coffee Roasters and creating a bear put spread position in the company.




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Source: http://www.dailyfinance.com/2012/11/28/wall-street-watch-green-mountain-coffee-earnings-brewed-up-stro/

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The Real Winners of Black Friday and Cyber Monday

With online sales capturing more consumer dollars this holiday season, here are four companies poised to benefit from that behavioral shift in consumer spending.

Source: http://www.forbes.com/sites/greatspeculations/2012/11/27/the-real-winners-of-black-friday-and-cyber-monday/

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Source: http://www.legaldebthelponline.com/2012/06/27/joining-together-credit-card-bills-the-correct-way/

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This Man Visited Every Country In The World Without Flying

hughes

On Monday a British man claimed to be the first person to have visited every sovereign nation without flying after arriving in South Sudan, The Sydney Morning Herald reports.

Graham Hughes, 33, began his epic journey on January 1, 2009 in Uruguay and proceeded to visit 201 countries. His destinations included all 193 members of the United Nations as well as the territories of Kosovo, Palestine, Taiwan, Vatican City and Western Sahara.

"The main highlight ... has been the reaffirmation of my faith in humanity and the fact that people I've met on the road have been so friendly," Hughes said, according to the Herald.

Hughes based the journey on four rules: no flying, no driving his own transport, only taking "scheduled ground transport" and stepping foot on dry land to qualify as a visiting a country.

He said conflict-wracked countries were easy to enter — although he was "imprisoned for a week in Congo and was arrested whilst attempting to sneak into Russia" — but tiny island nations were difficult given than sometimes only one supply ship visits each month.

Hughes' website shows him in every nation in addition to images of his array of visas filling four passports. In 2009 he set the Guinness World Record for the most nations visited in one year by scheduled ground transport by visiting 133 nations.

Here's Hughes arriving in South Sudan:

SEE ALSO: The 15 Most Hotly Contested Islands In The World

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5 Steps to a Successful Stewardship Ministry

Over the past decade, Gateway Church has developed a stewardship ministry that serves more than 3,000 people a year with 170 stewardship classes. The charge is led by Gunnar Johnson, who is often asked: ?What does it take to develop and maintain a successful stewardship ministry??

Gunnar says it?s really an easy ministry to keep running if you start with a little bit of guidance on the front end. Too many churches start off just thinking in terms of curriculum. People from the congregation aren?t as receptive to this approach because the church is often violating the very principles they are teaching.

Gunnar has a passion to help other churches create thriving stewardship ministries like the one Gateway enjoys, so he has shared five steps that have helped to make theirs so successful:

1. Determining Vision

Gunnar said it's key for the senior leader to be involved in this discussion. The vision of the stewardship ministry must tie into the church?s other ministries from the get-go. Gateway?s pastor had a vision for the people of the church to be radical givers and good stewards. At the same time, God had spoken to Gunnar about building a comprehensive stewardship ministry. Their vision was birthed out of 1 Timothy 6:17?19:

Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.

These verses lay out exactly what good stewardship looks like: People would be generous, have margin, and put their faith and hope in God. They would not be materialistic, and they would be building up their lives in contentment and serving the Kingdom.

?I think each church has its own unique vision,? Gunnar said. ?There?s not a single mission statement for every church. The leaders of the church have to get together and decide: How are we going to teach on money? They have to determine it from the head. It?s not about starting a class because we should or because giving is down.?

2. Creating Mission

This is when you ask: ?Why are we here? What are we doing? What is our purpose?? Gunnar says mission and vision are easily confused. Gateway sees their mission as being the Great Commission. ?We are going to launch these people out to do what God wants them to do. Our mission isn?t just to teach them biblical principles, it?s to get them active in their faith,? he said. ?At the end of all of our lives, each one of us has a date with Christ. I want every person in our church to hear, ?Well done, good and faithful servant,? because they have been faithful with their time, talent, treasure.?

3. Setting Objectives

Now it?s time to create something you can put your hands on and answer, ?How can we actually do this?? Objectives need to be meaningful, measurable, manageable.

Gunnar explained Gateway?s five straightforward stewardship objectives:

  • To create givers: Not so we can raise the budget or bring in more money, but because God does something in people?s lives when they allow Him to change their perspective about money.
  • To have Christ-centered stewards: I don?t want them to just get wealthy. If they do, I?m okay with that. But whether they have a lot or a little, I want them to be Christ-centered and know what God has purposed them to do with money.
  • For people to be biblically literate: We want them to know what the Scriptures say?where it is and how to do it. Theories come and go. If someone comes in and tries to sell them a bill of goods, we want them to know how it violates biblical principles. If they are being told to leverage debt, they?ll know the truth of Proverbs 22:7 that tells us, ?The borrower is the slave of the lender.?
  • For people to be debt-free: Debt chains us to our past and robs us of our future. If I open a credit card to buy Christmas gifts, it chains me to that year?s Christmas and robs me of what God may have for me. I don?t want the mistakes of my past to hinder my future. That?s what inspires me about being a Christ follower. He gives us the opportunity to erase the past: sin debt and financial debt.
  • For people to be savers: The Bible tells us that wise people save money. A debtor loses opportunities, but a saver is ready when God presents them.

4. Building a Strategy

This is when you determine how, when and where you will meet your objectives. Now is the time to talk about the curriculums out there and how they might fit in. Gateway categorizes people as struggling, stable, solid, or surplus and ministers to each of those groups in different ways. For the struggling it?s a compassionate yet accountable process of benevolence. For the stable and solid, they offer all kinds of classes with practical application. Those with surplus are treated differently, but not better because they have wealth. They experience a time-intensive, slow-going process that helps them become good managers of their wealth.

5. Determine Your Tactics

This is where you lay out your plan. For example, Gunnar said they are planning to run Financial Peace University (FPU) in the spring. He knows how many memberships he needs to buy, has the room secured, a team to run it, registration set up. They do this for each area of their strategy. It?s a calendar-heavy step, and a lot of work goes into it based on their overarching visions and goals.

Once you work through these five steps, you can pull back at any time and ask: Are we meeting the goals we?ve set? Things are going to change from year to year, and that?s okay. ?God will give us a new revelation and call our church to do that, and we?ll move into that,? Gunnar said. ?But creating a healthy stewardship ministry is much deeper than just starting a class. ?

By laying a foundation of interconnectedness with other ministries with leadership support, you will invite a spirit of unity, and where there is unity, there is blessing.

Dave Ramsey has created a program called Momentum to lock arms with churches that want to do just that. Momentum is all about bringing people back to God?s view of money management and cultivating a culture of lasting generosity. Discover today how Momentum can help your congregation.

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Source: http://www.daveramsey.com/article/5-steps-to-a-successful-stewardship-ministry/lifeandmoney_church

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Yelp Is Going To Extreme Lengths To Crack Down On Fake Reviews

Yelp CEO Jeremy Stoppelman

Yelp has become the go-to place for posting and reading reviews on local businesses.

As Yelp has grown increasingly popular, it has had its fair share of sketchy, incentivized reviews posted to the site.

Its number one line of defense is the review filter, which tracks all the signals coming in and decides which reviews to show.

But sometimes, it's just not enough.

At Business Insider's IGNITION event today, Yelp CEO Jeremy Stoppelman confirmed that there have been shady businesses posting on Craigslist and other sites to purchase positive reviews. 

It's a cat-and-mouse game, not unlike the constant battle between Google and folks trying to game its search engine.

"We came up with an interesting way to combat that," Stoppelman said. "Sting operations."

Yelp launched this new initiative, the Yelp Consumer Alert, just one month ago. The team identified businesses they caught red-handed and placed a large alert on their page to notify users that something was wrong.

Stoppelman said they wanted to make a statement that those businesses didn't have their customers' best interest in mind.

He also wanted "to be as transparent about it as possible."

The extreme lengths that Yelp is going to in order to prevent fraudulent reviews show how dangerous it is for businesses—small or large—to try to game the system. Be unethical and not only will you be punished, but the world will know. From a branding standpoint, there's no reason to ever do it.

For millions of users, Yelp is the first place they check before going to a restaurant or store. Breaking their trust would be devastating.

SEE ALSO: OkCupid Founder Says His Dating Site Has Created A Blind-Date Algorithm

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Source: http://feedproxy.google.com/~r/businessinsider/~3/EM8J7PyK5y4/yelp-fake-reviews-2012-11

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Deutsche Bank's Global Economic Outlook In One Huge Slide

Deutsche Bank's global research team just published their "House View" of the world economy.  Here are the key bullets from the 27-page chartbook:

  • "The global macro picture has remained resilient over the past month with stronger data from China and the US (despite some hurricane-related weakness). In Europe, there was some evidence of stability in the periphery, though also of a continuing slowdown in the core."
  • "The US fiscal cliff has become the key focal point for markets. The outcome of the fiscal cliff negotiations is the main risk to our view that global growth is bottoming-out and will accelerate from H2 2013. Ultimately, we expect a compromise will be reached by year-end. However, given the uncertainty and brinkmanship that will likely accompany the negotiations, we should expect some market volatility until a resolution is found."
  • "Looking into 2013, we are encouraged by the continued intention of central banks to maintain accommodative policy. Asia is picking up, systemic risk has been reduced in Europe and the US economy is relatively robust. We maintain our structurally constructive view. Given current market pricing, equities continue to offer the best risk-adjusted return compared to other asset classes."

Here's their whole outlook:

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The Cost Of Debt Consolidation

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Source: http://www.legaldebthelponline.com/2012/06/30/the-cost-of-debt-consolidation/

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It's Almost Creepy How Much Work Went Into This Leaked Internal Apple Training Video (AAPL)

Here's a very rare and interesting look at how Apple trains its retail employees.

Below you'll find a leaked internal Apple promotional video, which is well over a year old as it features Apple's former retail boss Ron Johnson. But what's interesting is that it has the look and feel of many of Apple's consumer-facing product videos. 

It's almost creepy how much work went into a video the public was never meant to see.

The video was first uncovered by 9to5Mac, but the original file was removed by Apple. However, there are a few sites that are still hosting mirrors and we embedded one of them below.

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