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I imagine the alarm still works, that should be enough to scare someone off. And when you hear it, you call the cops.
I know our alarm works without having to have it monitored.
Briefing has a nice calendar:
http://www.briefing.com/Investor/Private/MarketAnalysis/Calendars/EarningsCalendar.htm
You need a bucket of clean water with sponge, make sure all glue is off the walls. next you need a tub of spackle and a wide knife to spackle any gouges from taking the paper off, then sand that, and spot prime any spackle areas.
http://www.worldwidefloors.com/catalog/dsp_viewVinylProduct.cfm?sProdSku=BAYDUAcollection
Installed, I think we paid about $6/sq foot.
http://www.worldwidefloors.com/catalog/dsp_viewVinylProduct.cfm?sProdSku=BAYDUAcollection
we bought from here. I drove about 2 1/2 hours to pick up.
11/21/2006 11:21:06PM
http://www.congoleum.com/res-products.php?product_line=duraceramic
My wife and I had this installed in our kitchen, Dura-Ceramic, a very nice product, doesn't have the weight, or the coldness of real ceramic.
we opted for the grout, looks better
wrong board
Here's a great story for you about tax cuts:
Suppose that everyday 10 men go to dinner. The bill for all ten comes to $100. If it was paid the way we pay our taxes, the first four men would pay nothing; the fifth would pay $1; the sixth would pay $3; the seventh $7; the eighth $12; the ninth $18. The tenth man (the richest) would pay $59.
The 10 men ate dinner in the restaurant every day and seemed quite happy with the arrangement until the owner threw them a curve. Since you are all such good customers, he said, I'm going to reduce the cost of your daily meal by $20. Now dinner for the 10 only costs $80.
The first four are unaffected. They still eat for free. Can you figure out how to divvy up the $20 savings among the remaining six so that everyone gets his fair share? The men realize that $20 divided by 6 is $3.33, but if they subtract that from everybody's share, then the fifth man and the sixth man would end up being paid to eat their meal.
The restaurant owner suggested that it would be fair to reduce each man's bill by roughly the same amount and he proceeded to work out the amounts each should pay.
And so the fifth man paid nothing, the sixth pitched in $2, the seventh paid $5, the eighth paid $9, the ninth paid $12, leaving the tenth man with a bill of $52 instead of $59. Outside the restaurant, the men began to compare their savings. "I only got a dollar out the $20," declared the sixth man pointing to the tenth, "and he got $7!" "Yeah, that's right," exclaimed the fifth man. I only saved a dollar, too. It's unfair that he got seven times more than me! "That's true," shouted the seventh man. "Why should he get $7 back when I got only $2? The wealthy get all the breaks." "Wait a minute," yelled the first four men in unison. "We didn't get anything at all. The system exploits the poor."
The nine men surrounded the tenth and beat him up. The next night he didn't show up for dinner, so the nine sat down and ate without him. But when it came time to pay the bill, they discovered something important They were $52 short.
And that is how the tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up at the table anymore. There are lots of good restaurants in Switzerland and the Caribbean.
No Trisha, no one "forced" me to the board, was just looking around....
Good Morning Gary:
With all due respect, go back and read the exchange, IMO, I was doing nothing of the sort. I was not trying to force my view on anyone.
I viewed your comments that everyone agrees with you as a veiled bullying.........also, I was not familiar with past exchanges.
My apologies for the "disruption."
I can see that now........your own personal little circle jerk....that's fine, have at it.............
this matterwill not be debated on this board. As I have already stated, most on this board have made their decision on this issue........and yes, I know, agree with you........
Trying to force your opinion on others is just bullying
You really hit the nail on the head with that line.
A matter for God and "those" involved.......you already said that.
I ask again, Who speaks for the child?
I understand your point is the child is not involved and in my mind, that is just not logical.
I also understand by your answer, we will never agree, and that's fine............but what does most people on this board agree with you have to do with anything?
almost skipped over this, as I usually keep my opinion out this discussion. However, it does not matter what I think of abortion issues; the bottom line is this: These matters are for the would-be parents and God. Nobody else has the right to interfere in the matter. Weather you consider a sin or not; it's not for us to decide their fate; again, this is God's domain and nobody else’s.,
I used to think this way........until one day someone opened my eyes and ears to, Who speaks for the child? Why is the child's "voice" not heard?
well....that's where those drops come from that aren't supposed to be there...
three gallons if you don't put that pesky grid in there....<gg>....just bang the roller inside the bucket...........
17 room clapboard sided house every couple of years
and no siblings to help out?
Bummer........<gg>
No, haven't seen those......I put myself through college doing painting and carpentry........that was almost 30 years ago, getting to the point of wanting to pay someone else to do it.......but then after you do it yourself, you have that satisfaction feeling..........and a fuller wallet.........
My wife would probably prefer I get a roller grid........I still manage to get a few drops of paint on things they are not supposed to get on..........
Mini rollers work best for striping a room
Yea....don't give up yet.........at least not until you've painted your foyer 3 times in 5 years as your wife's color mood changes.........<gg> Our latest foyer color is flat yellow and light gloss light yellow stripes, 10 inches wide, have to give her credit, it looks fabulous.
Suggestion.........pour any gallon paints into 5 gallon bucket, so much easier to paint that way. Buy an extension arm for the roller, easier to shake off excess paint before bringing the roller out of the bucket.
Leave about 2 inches of paint in gallon can for your cutting in job.
CAT opened
Lidle dies as plane crashes into Manhattan high-rise
ESPN.com news services
NEW YORK -- A small plane with New York Yankees pitcher Cory Lidle aboard crashed into a 50-story condominium tower Wednesday on Manhattan's Upper East Side, killing Lidle and three other people and raining flaming debris on sidewalks, authorities said.
http://www.wisdom-soft.com/products/screenhunter_free.htm
Free one..............
my mistake..............never saw the music anywhere but here.........thanks.
Regards,
Bob
Don't believe the music leaves this thread so:
http://www.investorshub.com/boards/read_msg.asp?Message_id=10800169&txt2find=respect
just reply yourself with that link
Regards,
Newly:
I know there have been people on this thread saying buy gold for a long time...........you have to admit '99 was a couple of years early.............<gg>, but my question still stands.
Looking at that chart as a regular old stock, all the shorts on this thread would be salivating.............instead I'm hearing buy buy buy..............
My point is oil and gold are starting to look like shorts.
Granted, they could look like shorts for years...........like real estate.............<ggg>
Got gold?
if not...... do yourself a huge favor and get some!
If that gold chart were a stock, would you not be calling for a short right now?
Straight up.....................
4 years ago, when gold was under $300 and oil was under $15, were people screaming what amazing buys they were?........no.
But now, gold is over $600 and oil is over $70, and people are screaming they are amazing buys.................
*DJ Google CFO: Will Have To Find 'Other Ways' To Boost Rev
*DJ Google CFO: Growth Slowing, And Now Largely Organic
Harry Dent forecast for '06: stocks ready to rally
Stocks are set for a major move and a strong rally. That's the prediction from Harry S. Dent, Jr. founder and president of the H.S. Dent Foundation.
Dent, now based in Tampa is a well-known economic forecaster. He believes major commodities like gold, oil and short-term interest rates have peaked. In addition, other investment opportunities like real estate are showing signs of weakness -- all of which clear the way for a bull equity market, a release said.
Dent is known for developing the Dent Forecasting Method, an economic forecasting approach that incorporates demographic trends into traditional forecasting models.
As stocks start to rally, the real estate market should also see a dramatic slowing between 2005 and 2006 Dent predicted in a release Thursday. Home prices began to flatten in September, and new home sales dropped 11.3 percent in November.
"The truth is that home price appreciation has suddenly declined to near zero in the last year -- just as occurred in international markets like Australia and Great Britain," he said in the prepared release.
The good news for real estate investors is that we forecast that housing would flatten, not crash, Dent emphasizes.
"House prices will continue to trend down through the summer of 2006 -- except in overvalued markets like South Florida, California and the Northeast, which could drop sharply. As real estate prices decline, investors typically move money into equities."
Despite a weaker housing market, the U.S. economy will continue to lead other international markets due to strong demographic and technology trends. "All indicators point to a bull market," Dent said. "While the United States may experience a minor economic slowdown early in 2006, the market is resilient. Investors need to get ready. I predict the Dow to reach 14,000 to 15,000 by year-end."
It does state, it is his opinion, but he is really only providing historical statistics.
Yes, the middle class is shrinking. I saw articles calling the middle class 25 - 75k per year. Their participation is most likely only in their retirement accounts.
Where there is tremendous untapped wealth, is the older parents of these middle class with their homes paid off and their life insurance and all their assets that will be left to them.
Pensions are being "axed" because corporations can't afford them anymore if they want to remain competitive in a global environment.
IBM did say they are doubling their contribution to 401K.
Follow the money to US corporations and US individuals to see how 2006 is shaping up for global investing.
Follow The Money December 15, 2005
Corporate Cash
The 500 individual companies that comprise the Standard & Poors 500 Index* are currently sitting on $2.3 trillion of cash (at the end of the third quarter of 2005). That is the highest cash level in the past 30 years. Many stock market bears will want to quickly point out that this number is so high because financial services companies now comprise almost one-quarter of the Standard & Poor's 500 Index, and those financial services companies need a lot of cash to run their businesses. I do not agree with that argument, so I will show you another perspective of how much cash corporations are sitting on.
At the end of the third quarter, if you were to exclude financial services companies, corporations were still sitting on almost $800 billion in cash (source: Thompson’s First Call). Oh, and by the way, that is also the highest cash level in the past 30 years.
The important thing, however, is to watch what is about to happen next in my opinion. Over the past 30 years, the cash/asset ratio (which is Wall Street jargon for the percentage of all of the assets a corporation has held in cash) for the S & P 500, excluding Financial Services companies, has averaged 6%. Right now, it stands at over a whopping 9%!! If you believe as I do that history is a great teacher and that trends will eventually revert back to their longer-term averages, then corporations will most likely be looking to do something in 2006 with that extra 3% of cash they are currently sitting on.
Corporation can put their cash to use in one of two ways. From my perspective, both paint a bullish foundation for the US market which, in turn, can help global markets. One way corporations can spend that money is to return it to shareholders. You can return money to shareholders either through dividends or through stock buybacks, both of which are bullish for the market.
Individuals’ Cash
Let's now move on to Individual's cash where, believe it or not, the story actually gets better. You better sit down while you read this part because you are never going to believe it.
Individuals are currently (again as of the end of the third quarter) sitting on $4.7 TRILLION DOLLARS!! of cash (source: Federal Reserve Board). By the way, I define cash as money sitting in checking accounts, money market accounts and time & savings deposits that mature in one year or less. While I expect all of the bears in the media to continue harping on the so-called negative savings rate of US individuals, I on the other hand do not care. I simply follow the money and the money shows me that American consumers are sitting on $4.7 trillion dollars. This, by the way, is larger than most countries’ entire economies!! $4.7 trillion in cash is only part of the story of individuals’ balance sheets.
Individuals’ net worth (assets minus liabilities) is at the highest level ever in all of recorded time at $51.1 trillion dollars. Maybe even more remarkably, with all of this hyped concern about the US consumer having too much debt, along with rising interest rates and skyrocketing energy prices over the past four quarters, individuals’ net worth got better not worse. It got better by a lot, facing the headwinds of a housing bubble, rising interest rates and rising energy costs. At the end of the third quarter 2004, individuals’ net worth stood at $46.1 trillion dollars. Now, one year later, it is a cool $5 trillion dollars higher.
Let me close with one final comment on this so-called housing or real estate bubble, which in my opinion will be the second most hyped disaster that never happened following the Y2K bug that was supposed to end the world and crash economies and stock markets around the world (that also was hyped and never happened) OK, back to real estate. Of the individuals net worth on the balance sheet real estate accounts for only 21% or $10.7 trillion dollars.
Now think about this so called real estate bubble that is supposed to crush the United States individual investor and consumer alike. Well, no one is predicting that the value of real estate will go to zero instead the value of real estate in some locations will most likely go down and correct somewhat. Even if we had an unheard of national correction of 10% that would only wipe out $1.1 trillion dollars of net worth from the real estate portion of individuals balance sheets. And while that may sound like a lot when you put it into perspective that individuals have almost five times that amount sitting in cash today you will see why I call this one of the most hyped disasters that will never happen.
Oh and by the way watch out when individuals start spending all that cash buying stocks and lots of other stuff.
*The S&P 500 Index is an unmanaged index, widely regarded as representative of the equity market in general. Index returns assume reinvestment of dividends and capital gains and, unlike fund returns, do not reflect fees or expenses. You cannot invest directly in the index
The opinions and forecasts expressed are those of Dr. Robert J. Froehlich as of December 15, 2005, and may not actually come to pass. This information is subject to change at any time, based on market and other conditions and should not be construed as a recommendation of any specific security. Past performance does not guarantee future results.
This article is not intended to provide tax or legal advice and should not be relied upon as such. Any specific tax or legal questions concerning the matters described in this article should be discussed with your tax or legal advisor.
http://scudderinvestments.com/t/external/splash/dr_bob.jhtml
DJ Forward Industries Updates 1Q Guidance>FORD
12/23/2005
Dow Jones News Services
(Copyright © 2005 Dow Jones & Company, Inc.)
(MORE TO FOLLOW) Dow Jones Newswires
12-23-05 0944ET
Copyright (c) 2005 Dow Jones & Company, Inc.
*DJ Forward Industries Now Sees 1Q Rev $8.3M-$8.7M >FORD
(MORE TO FOLLOW) Dow Jones Newswires
12-23-05 0944ET
Copyright (c) 2005 Dow Jones & Company, Inc.
*DJ Forward Industries Had Expected 1Q Rev Over $8.9M >FORD
(MORE TO FOLLOW) Dow Jones Newswires
12-23-05 0944ET
Copyright (c) 2005 Dow Jones & Company, Inc.
*DJ Forward Industries Sees 1Q EPS 8c-12c Vs 21c Yr Ago >FORD
(MORE TO FOLLOW) Dow Jones Newswires
12-23-05 0945ET
Copyright (c) 2005 Dow Jones & Company, Inc.
Forward Industries Updates First Quarter Guidance
Business Wire - December 23, 2005 09:44
POMPANO BEACH, Fla., Dec 23, 2005 (BUSINESS WIRE) -- Forward Industries, Inc. (NASDAQ: FORD), a designer and distributor of custom carrying case solutions, today updated its financial guidance for the first fiscal quarter ending December 31, 2005. The following statements are forward looking and actual results may differ materially. Please see the description of certain risk factors in this release and Forward's reports on file with the Securities and Exchange Commission for a more complete description of risk factors.
First Fiscal Quarter Business Outlook
Based on the current business outlook, the Company now anticipates that its first fiscal quarter ending December 31, 2005 revenues will be $8.3 to $8.7 million. In its previous guidance issued November 17, 2005, the Company previously anticipated that such revenues would be higher than the $8.9 million recorded in the first fiscal quarter of last year. The Company attributed the shortfall to the timing of certain orders that it now expects to ship in its second fiscal quarter.
Based on the current outlook, the Company also introduced guidance as to net income per share for the quarter. It expects to report net income of 8 to 12 cents per fully diluted share, compared to 21 cents per fully diluted share in the same quarter of fiscal 2005. We anticipate that the lower earnings per share will reflect a higher weighted average number of shares outstanding (approximately 20%) than in the comparable quarter of fiscal 2005, a projected higher effective tax rate, lower margins due primarily to pricing pressure on some of its key products, and higher operating costs at its Hong Kong facility.
In announcing the update, Forward's Chairman and CEO Jerome Ball stated, "We are off to a solid start in Fiscal 2006, with revenues for the first fiscal quarter similar to last year's excellent first quarter, but coming in lower than we originally anticipated. We are disappointed that the factors described above will reduce our reported earnings per share for this quarter; however, we believe that we continue to execute well and are optimistic about the balance of the year. We will provide additional details when we formally announce our quarterly results and file our 10-QSB with the Securities and Exchange Commission, which we expect to be in the first week of February."
About Forward Industries
Forward Industries, Inc. designs and distributes custom carrying case solutions primarily for cellular phones and home medical diagnostic equipment. The Company sells its products directly to original equipment manufacturers and also markets a line of Carry Solutions under the "Motorola" brand name. Forward's products can be viewed online at www.fwdinnovations.com and www.forwardindustries.com.
Statements in this press release other than statements of historical fact are "forward-looking statements." Such statements are subject to certain risks and uncertainties, identified from time to time in the Company's filings with the Securities and Exchange Commission that could cause actual results to differ materially from those reflected in any forward-looking statements. These forward-looking statements represent the Company's judgment as of the date of the release. The Company disclaims, however, any obligation to update these forward-looking statements.
SOURCE: Forward Industries, Inc.
Forward Industries, Inc.
Jerome E. Ball, 954-419-9544
or
The Equity Group Inc.
Lauren Till, 212-836-9610
LTill@equityny.com
www.theequitygroup.com
Copyright Business Wire 2005