Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:62:\"Non-static method view::load() should not be called statically\";s:5:\"%file\";s:63:\"/home/themoney/public_html/sites/all/modules/views/views.module\";s:5:\"%line\";i:906;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:109:\"Declaration of views_handler_argument::init() should be compatible with views_handler::init(&$view, $options)\";s:5:\"%file\";s:86:\"/home/themoney/public_html/sites/all/modules/views/handlers/views_handler_argument.inc\";s:5:\"%line\";i:744;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:134:\"Declaration of views_handler_filter::options_validate() should be compatible with views_handler::options_validate($form, &$form_state)\";s:5:\"%file\";s:84:\"/home/themoney/public_html/sites/all/modules/views/handlers/views_handler_filter.inc\";s:5:\"%line\";i:607;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:130:\"Declaration of views_handler_filter::options_submit() should be compatible with views_handler::options_submit($form, &$form_state)\";s:5:\"%file\";s:84:\"/home/themoney/public_html/sites/all/modules/views/handlers/views_handler_filter.inc\";s:5:\"%line\";i:607;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:148:\"Declaration of views_handler_filter_node_status::operator_form() should be compatible with views_handler_filter::operator_form(&$form, &$form_state)\";s:5:\"%file\";s:100:\"/home/themoney/public_html/sites/all/modules/views/modules/node/views_handler_filter_node_status.inc\";s:5:\"%line\";i:13;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:62:\"Non-static method view::load() should not be called statically\";s:5:\"%file\";s:63:\"/home/themoney/public_html/sites/all/modules/views/views.module\";s:5:\"%line\";i:906;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:130:\"Declaration of views_plugin_row::options_validate() should be compatible with views_plugin::options_validate(&$form, &$form_state)\";s:5:\"%file\";s:79:\"/home/themoney/public_html/sites/all/modules/views/plugins/views_plugin_row.inc\";s:5:\"%line\";i:134;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:126:\"Declaration of views_plugin_row::options_submit() should be compatible with views_plugin::options_submit(&$form, &$form_state)\";s:5:\"%file\";s:79:\"/home/themoney/public_html/sites/all/modules/views/plugins/views_plugin_row.inc\";s:5:\"%line\";i:134;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823820) in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: trigger_error(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /home/themoney/public_html/includes/database.mysql.inc on line 135

Warning: Table './themoney_2011new/watchdog' is marked as crashed and last (automatic?) repair failed query: INSERT INTO watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:7:\"warning\";s:8:\"%message\";s:137:\"Cannot modify header information - headers already sent by (output started at /home/themoney/public_html/includes/database.mysql.inc:135)\";s:5:\"%file\";s:46:\"/home/themoney/public_html/includes/common.inc\";s:5:\"%line\";i:153;}', 3, '', 'http://themoneytimes.com/taxonomy/term/39/all/feed', '', '50.17.114.227', 1454823821) in /home/themoney/public_html/includes/database.mysql.inc on line 135
Investing http://themoneytimes.com/taxonomy/term/39/all/feed en Shock for investors? Google CEO Page bogged down by Vocal Cord Paralysis http://themoneytimes.com/featured/20130515/shock-investors-google-ceo-page-bogged-down-vocal-cord-paralysis-id-1701713183.htm <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Now this is some troubling news! Google’s CEO Larry Page has admitted that he faces vocal cord paralysis that makes him face difficulty in breathing and speaking some times. But the gentleman still manages to run his company to the best!</p> </div> </div> </div> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/lar.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="101" /> </div> </div> </div> <p><strong>Larry Page’s predicament</strong></p> <p>Page had been forced to stay away, from the annual shareholders meet of Google Inc and a conference call, as he had lost his voice. He explained this on his Google Plus Profile just recently but his absence had given the jitters to the shareholders. </p> <p>Since the last two years, 40 year old Larry Page has been working as Google’s co-founder and CEO. He admitted that about 14 years ago he had come down with a severe cold that had paralyzed his left vocal cord, but Google way back then had been in its nascent stages. Another cold attack last year had affected his right vocal cord as well. There is a mild movement noticed in his right cord as yet he states.</p> <p><strong>The agitated investors</strong></p> <p>Remember Apple’s blow when they withheld details on Steve Jobs’ health condition? Jobs who had been suffering from cancer, had taken two leaves of absence and then laid down the baton from Apple’s CEO about 6 weeks prior to his death.</p> <p>So Page’s absence from the meet had scared the daylights out of the investors. They feared that his illness may come in the way of his performance. Page had come back into action in October and had set the agitated Wall Street worries to rest. He had carried on with a robotic and raspy sounded voice.<br /> <strong>Confirmation by Page</strong></p> <p>It was a relief to see Larry Page write “Thankfully, after some initial recovery I'm fully able to do all I need to at home and at work, though my voice is softer than before.” He further wrote “giving long monologues is more tedious for me and probably the audience.”</p> <p>The reason for the hobbled vocal cords still needs to be diagnosed, says Page. Page had been diagnosed with Hashimoto's thyroiditis in 2003, the doctors fear that this maybe the reason for the condition of his vocal chords. </p> <p>Page was heard stating about his medical condition that it is “fairly common benign inflammatory condition of the thyroid which causes me no problems.’ It’s not only his vocal cords that are influenced as “Vocal cord nerve issues can also affect your breathing, so my ability to exercise at peak aerobic capacity is somewhat reduced,'' wrote Page “That said, my friends still think I have way more stamina than them when we go kite surfing.”He zestfully commented. It’s a sad thing that Page has to undergo these health hassles that are very uncommon and extremely rare.</p> <p>It’s suspense about the way the next major conference event planned by Google is going to go! Will Page make an appearance on stage this time, or will Sergey Brin, co-founder of Google make waves this time?</p> Apple Inc co-founder and CEO conference call Google Inc Hashimoto's thyroiditis Internet Investing Investing People shareholders Steve Jobs Top Story United States vocal cord paralysis Wed, 15 May 2013 06:34:32 +0000 Minnie Mahendru 1701713183 at http://themoneytimes.com Electronic transactions’ impact on branch banking http://themoneytimes.com/featured/20130121/electronic-transactions%E2%80%99-impact-branch-banking.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>We are advancing ahead to replace the financially trained bankers with automated machines and chest of drawers with super computers and servers. There is a drastic change in the interface between bank and customer after advent of modern machines &amp; growing demand of E-commerce. </p> </div> </div> </div> <p>Think of any banking service from cash withdrawal to ordering cheque book, everything is possible at the click of a mouse. But banks too have changed from operation centric to client centric. </p> <p>More people are now shifting to alternative delivery channels, which account for nearly 30-40 percent of customers at present. Over the next couple of years count would be around 70-80 percent, says TM Bhasin, Chairman &amp; managing director, Indian Bank.</p> <p>Chanda Kochhar, CMD and CEO of ICICI bank has also revealed that ICICI has seen a big leap in transactions which are happening outside the branches. </p> <p><strong>Usage Of ATM</strong><br /> ATM, which is the oldest of the alternate delivery channels, enjoys the highest level of accord of customers. The number of counters of ATMs machines is rising exponentially. Currently there are more than 10,00,000 ATMs pan India. ATMs today are no longer only money dispensing machines. These are capable to provide enhanced services to their customers like fixed deposits, cheque book request &amp; many more.</p> <p><strong>Trend In India</strong></p> <p>Though in India people rely more on cheque payments rather than online transfer, but the value of cheque based transactions has been on a gradual decline. Mobile transactions, particularly the non-financial ones, are the most preferred one due to low cost, but the use of mobile banking services is still low. Not to forget cash payments are still considered the safest among Indian population.</p> <p>There are also cost benefits attached with advancement of E-commerce. The cost of servicing a customer is the highest at a branch followed by ATMs, online banking, and mobile phones. Also the cost incurred in setting up a new branch is high which can be narrowed down by advancement of E-commerce.</p> <p>"There is a tendency to discourage customers from visiting branches since it adds to the cost of the bank and is also inconvenient for customers. Moving to alternative channels is a win-win for both sides," says Indian Bank's Bhasin.</p> <p><strong>Constraint in advancement of E-commerce</strong></p> <p>However, modern electronic payment systems are still concentrated in metros and large towns (tier-I and II locations). A large chunk of the Indian population still does not have access to formal banking channels, let alone the newer alternatives. And hence branch banking cannot be ruled out completely.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/ecommerce.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="180" /> </div> </div> </div> <div class="field field-type-text field-field-box"> <div class="field-items"> <div class="field-item odd"> <p>Technology has drastically transformed banking in the following ways:</p> <p>1. Advancement of ATM</p> <p>2. Cheque payments on gradual decline, being replaced with online transactions</p> <p>3. E-commerce preferred in metros and large towns</p> <p>4. Mobile banking on the rise</p> </div> </div> </div> ATM Banking branchbanking e-commerce ecommerce electronic transaction India Investing mobile banking Personal Finance Spending Top Story Mon, 21 Jan 2013 09:57:10 +0000 Shipra 1701712803 at http://themoneytimes.com What suits you best: Lease a car or owning it? http://themoneytimes.com/featured/20130112/what-suits-you-best-lease-car-or-owning-it.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Owning a four wheeler can be a tedious task but when you weigh the pros against the cons, you don't have to tell me what you would like to have. The most important question however, is if you should lease a car or splurge the money on a new one. </p> </div> </div> </div> <p>This very important question can be answered by yourself. Do a reality check or say self analyzation of your funds, life style, and the expenditure. Then take the right step depending on your requirements. While there would be some who would suggest you to buy a new one rather than paying lease, a surprise for some of us, lease is the most wonderful thing that can happen. </p> <p>Let's check out the positives and negatives of both to help you decide better what to do next.</p> <p><strong>Purchasing a new car </strong>Scribbling your name as owner of the car has its own joy and advantages. You can do whatever you want to do with it. You can color it your way, your stereo, interiors etc. To top everything else, certain car models have a good resale value, given in good condition. </p> <p>You can always sell it to the dealers who buy used beaters and then pass them off to buyers at a price higher than they have bought it from you. They are available in abundance so anytime you want to break free you can do so.</p> <p>However, if you buy a used car, it's good to just move around the town or you want to own a certain vehicle for a year or two. But if you want it for the long run than better pay attention to the details and cross check the motor parts as a broken car cost you much money than you have brought it forward while you use it. Plus, you like it or not, there will always be hassles regarding the trading of an old or used car.</p> <p>Some would think it wise to purchase a brand new vehicle, even if they need to take an auto loan. After calculating the auto loan interest you can decide whether you would like to go for a brand new car or a lease return. Think about new car only if you are buying it for the long run and if you care to ignore the depreciation value of your vehicle.</p> <p>Buying a lease return will not only reduce the depreciation value, you may get a warranty handy! And being the proud owner of your car, you can jazz it up in your own style! Drive as long and anywhere you want it, sell it anytime you want it.</p> <p>But, sorry to burst the bubble, be wary of the responsibilities, maintenance expenses.</p> <p><strong>Lease a car</strong> Leasing a car means putting barriers to yourself. While it has certain disadvantages there are some hidden benefits as well. First you can not drive it anywhere you want, after designated miles you might be penalized for it and you cannot make major changes in the car. But leasing a car means that you will get to drive a flashy new vehicle than you could not have bought by paying principal and interest. </p> <p>In leasing process, you make a down payment and then there are monthly installments for the period for the time vehicle is leased to you. You can return the car once the lease is up. Or, under some agreements, there is a provision for you where you can buy the particular car with what you have already paid plus the amount pending for the total payment. </p> <p>Leasing is a great option for people who want to drive a new vehicle every 2-3 years. Besides, your cash is safe in your pocket as you don't have to spend much on the maintenance. </p> <p>If you are done driving and crave for something new, it's not your job to hassle yourself with the potential buyer. In fact, your dealer will have to deal with its own.</p> <p><strong>Make a smart choice</strong> Make a smart choice between what you want and what you need. If you have a flair for new cars and don't want the headache of maintenance, leasing is the best option for you. People who are frequently on road trips or have to drive for long distances, find leasing more suitable as later they can always come back to the dealer for the repairs!</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/images%20%283%29_0.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="108" /> </div> </div> </div> <div class="field field-type-text field-field-box"> <div class="field-items"> <div class="field-item odd"> <p>To choose between leasing and owning a car:</p> <p>1. Check whether you have sufficient cash in your pocket</p> <p>2. Decide whether you are okay with depreciation of the vehicle</p> <p>3. Take a call on whether you are comfortable with driving the same vehicle for years continuously or want a new one every two-three years.</p> </div> </div> </div> advantages of leasing a car business news buy a car disadvantages of leasing a car Investing Investing News & Advice lease a car Personal Finance Personal Finance Advice &Financial News Spending Top Story Sat, 12 Jan 2013 07:59:47 +0000 Onika Singh 1701712734 at http://themoneytimes.com How to spot a crook company? http://themoneytimes.com/featured/20120910/how-spot-crook-company.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Neither global energy giant Enron was the first of its kind nor Indian software major Satyam was the last. Crook companies were always around and will continue to stay despite international governments making their best efforts.</p> </div> </div> </div> <div class="field field-type-text field-field-lead"> <div class="field-label">lead:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p>Beware!! A number of dubious companies are lurking out there with news schemes to cheat you of your hard-earned money in the name of hot investment deals.</p> </div> </div> </div> <p>Here is how to spot a crook company and avoid being victim of an investment fraud.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/stock-investment-scam.jpg" alt="Stock Investment Fraud" title="Stock Investment Fraud" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="120" /> </div> </div> </div> <div class="field field-type-text field-field-box"> <div class="field-items"> <div class="field-item odd"> <p><strong>Advice for spotting a crook</strong></p> <p>1. Go through its financial statements in detail.</p> <p>2. Go through its balance sheets</p> <p>3. Find how long the company has been in business and where does its funding come from. </p> </div> </div> </div> <div class="field field-type-text field-field-imagecaption"> <div class="field-label">imagecaption:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p>Instances of investment fraud are on the rise. As a prospective investor, you need to set your basics right before investing even a single penny.</p> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20120910/how-spot-crook-company.html" target="_blank">read more</a></p> balance sheet bogus financial fraud financial statement Investing Shenanigan Shenanigans Top Story Mon, 10 Sep 2012 12:03:40 +0000 Dinesh Dhiman 1701712025 at http://themoneytimes.com 4 Reasons to Sell a Stock http://themoneytimes.com/featured/20101224/4-reasons-sell-stock-id-10145465.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>The hope of profits and the joy of ownership make buying stocks a fairly simple decision, especially in comparison to the tormented hair-pulling that's often associated with selling.When to jettison a stock is a difficult decision, so we won't pretend there's a one-size-fits-all formula. However, guidelines can make selling decisions easier. At <em>Motley Fool Pro</em>, the following are four key factors in any sell considerations.</p> </div> </div> </div> <p><br /> </p><p><strong>1. Valuation</strong></p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/amazon_logo_bb_1024_148.png" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="53" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101224/4-reasons-sell-stock-id-10145465.html" target="_blank">read more</a></p> Fundamental change in the underlying business Investing investing most cited reason to sell United States Fri, 24 Dec 2010 04:05:17 +0000 Jeff Fischer 145465 at http://themoneytimes.com Why Apple Is Better Than Gold http://themoneytimes.com/featured/20101224/why-apple-better-gold-id-10145464.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>My critique of <strong>Apple</strong> <span class="ticker">(Nasdaq: AAPL)</span> inspired not one, not two, but three Foolish rebuttals.This made me realize I should give credit where credit is due. There is one popular "investment" that makes Apple look like Scarlett Johansson in comparison:</p> </div> </div> </div> <p><br /> </p><p>Gold.</p> <p>Let me be blunt: I would rather you put all your money into Apple stock than ever own gold. Here's why.</p> <p><strong>Commodities are like Ponzi schemes<br /></strong>Despite protestations otherwise, gold is a commodity. As such, it has all of the problems inherent with one.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/apple-logo13_405.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="217" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101224/why-apple-better-gold-id-10145464.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101224/why-apple-better-gold-id-10145464.html#comments Apple Commodities are like Ponzi schemes investing Investing United States Fri, 24 Dec 2010 04:01:58 +0000 Chris Baines 145464 at http://themoneytimes.com So Long to the "Perfect" Economy http://themoneytimes.com/featured/20101224/so-long-quotperfectquot-economy-id-10145452.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>It's the day before-the-day before Christmas, and you know what that means -- the new BEA spending and income report is here! (Hurray?) This morning, the U.S. Commerce Department's Bureau of Economic Analysis released its monthly summary of Americans' collective checkbook. I know how excited you'll all be to see it, so I won't keep you waiting. Here's how it looks.</p> </div> </div> </div> <p>&nbsp;</p> <p><br clear="all" />&nbsp;</p> <p>Looks like good news, huh? For the fifth straight month (actually, the eight straight month if you look back a bit farther), Americans increased the amount of cash they traded for stuff. Grand news for companies such as <strong>Wal-Mart</strong> and <strong>Amazon.com</strong>, which cater to a spendthrift consumer, right? Investors are right to be uber-optimistic about the future of the stock market, right?</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/WAL-MART-LOGO_196.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="100" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101224/so-long-quotperfectquot-economy-id-10145452.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101224/so-long-quotperfectquot-economy-id-10145452.html#comments amazon.com investing Investing United States Wal-Mart Fri, 24 Dec 2010 02:17:10 +0000 Rich Smith 145452 at http://themoneytimes.com Does This Make Harte-Hanks a Sell? http://themoneytimes.com/featured/20101223/does-make-hartehanks-sell-id-10145424.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>There's no foolproof way to know the future for <strong>Harte-Hanks</strong> <span class="ticker">(NYSE: HHS)</span> or any other company. However, certain clues may help you see potential stumbles before they happen -- and before your stock craters as a result. Rest assured: Even if you're not monitoring these metrics, short-sellers are.</p> </div> </div> </div> <p>&nbsp;</p> <p><strong>A cloudy crystal ball<br /></strong>I often use accounts receivable (AR) and days sales outstanding (DSO) to judge a company's current health and future prospects. It's an important step in separating the pretenders from the market's best stocks. Alone, AR -- the amount of money owed the company -- and DSO -- days worth of sales owed to the company -- don't tell you much. However, by considering the trends in AR and DSO, you can sometimes get a window onto the future.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/nasdaq_508.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="196" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101223/does-make-hartehanks-sell-id-10145424.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101223/does-make-hartehanks-sell-id-10145424.html#comments foolproof way to know the future investing Investing United States Thu, 23 Dec 2010 08:07:18 +0000 Seth Jayson 145424 at http://themoneytimes.com Does This Mean Cisco Systems Will Bomb Next Quarter? http://themoneytimes.com/featured/20101223/does-mean-cisco-systems-will-bomb-next-quarter-id-10145420.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>There's no foolproof way to know the future for <strong>Cisco Systems</strong> <span class="ticker">(Nasdaq: CSCO)</span> or any other company. However, certain clues may help you see potential stumbles before they happen -- and before your stock craters as a result. Rest assured: Even if you're not monitoring these metrics, short-sellers are.</p> </div> </div> </div> <p>&nbsp;</p> <p><strong>A cloudy crystal ball<br /></strong>I often use accounts receivable (AR) and days sales outstanding (DSO) to judge a company's current health and future prospects. It's an important step in separating the pretenders from the market's best stocks. Alone, AR -- the amount of money owed the company -- and DSO -- days worth of sales owed to the company -- don't tell you much. However, by considering the trends in AR and DSO, you can sometimes get a window onto the future.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/cisco-logo_54.gif" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="131" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101223/does-mean-cisco-systems-will-bomb-next-quarter-id-10145420.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101223/does-mean-cisco-systems-will-bomb-next-quarter-id-10145420.html#comments cisco systems Investing investing United States Thu, 23 Dec 2010 07:54:21 +0000 Seth Jayson 145420 at http://themoneytimes.com Sirius XM Is an Easy Rider http://themoneytimes.com/featured/20101223/sirius-xm-easy-rider-id-10145406.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Petite cars? Two wheels? If you're rolling down the street, you're in <strong>Sirius XM Radio</strong>'s <span class="ticker">(Nasdaq: SIRI)</span> crosshairs.The satellite radio giant struck deals with MINI USA and BMW Motorcycles -- both BMW appendages -- to offer Sirius satellite receivers as standard equipment beginning with the 2011 model year vehicles. The radios will come with a free year of Sirius Everything. If Sirius XM's future is anything like its past, roughly half of those installations will convert into self-paying customers after the trial is up.</p> </div> </div> </div> <p><br /> </p><p>Sure, it's hard to see a lot of helmet-donning motorcycle riders ponying up for premium radio. The diminutive BMW Minis stand a better shot at conversion, but it's not as if the car is a popular choice for commuting carpools.</p> <p>The key here is that these are new deals that will result in incremental subscriptions. Sirius XM is rolling these days, tacking on net subscribers in each of the past five quarters. After topping the 20 million mark a few weeks ago, it's safe to assume that the streak will stretch to six quarters.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/apple-logo13_403.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="217" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101223/sirius-xm-easy-rider-id-10145406.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101223/sirius-xm-easy-rider-id-10145406.html#comments investing Investing satellite radio giant Sirius XM Radio United States Thu, 23 Dec 2010 06:35:20 +0000 Rick Aristotle Munarriz 145406 at http://themoneytimes.com Noranda Aluminum Shares Popped: What You Need to Know http://themoneytimes.com/featured/20101218/noranda-aluminum-shares-popped-what-you-need-know-id-10145213.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p><em>Although we don't believe in timing the market or panicking over market movements, we do like to keep an eye on big changes -- just in case they're material to our investing thesis.</em></p> </div> </div> </div> <p><em><br /></em></p> <p><strong>What:</strong> <strong>Noranda Aluminum</strong> <span class="ticker">(NYSE: NOR)</span> shares jumped 10% today on an upgrade from <strong>Goldman Sachs</strong>.</p> <p><strong>So what:</strong> Analysts at Goldman upgraded Noranda to "buy" from "neutral," and increased their price target to $14. Goldman said the recent share offering might spur investors concerned about liquidity to buy shares in this stock.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/goldmansachs_86.gif" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="180" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101218/noranda-aluminum-shares-popped-what-you-need-know-id-10145213.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101218/noranda-aluminum-shares-popped-what-you-need-know-id-10145213.html#comments Goldman Sachs investing Investing Noranda Aluminum United States Sat, 18 Dec 2010 08:47:55 +0000 Travis Hoium 145213 at http://themoneytimes.com Netflix Finds Allies in Unexpected Places http://themoneytimes.com/featured/20101218/netflix-finds-allies-unexpected-places-id-10145205.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p><strong>NCR</strong> <span class="ticker">(NYSE: NCR)</span> just signed one of those 28-day delay deals with <strong>Time Warner</strong> <span class="ticker">(NYSE: TWX)</span>. The release window for feature films that <strong>Netflix</strong> <span class="ticker">(Nasdaq: NFLX)</span> invented is getting pretty firmly established in Hollywood.Oh, you're not familiar with NCR? It's a leading builder of vending machines and ATMs, and not to be confused with DVD-vending operator <strong>Coinstar</strong> <span class="ticker">(Nasdaq: CSTR)</span>. NCR's DVD solution carries the <strong>Blockbuster</strong> Express brand, so this deal is sure to confuse plenty of Blockbuster's customers.</p> </div> </div> </div> <p><br /> </p><p>The lack of 28-day waiting periods for content from Warner, Universal Studios, and 20th Century Fox is supposed to be a selling point for Blockbuster's stores. The company needs all the marketing help it can get as it struggles through a bankruptcy reorganization. Yet here's a close partner that ruins one of Blockbuster's greatest hopes -- undercutting that very advantage to gain cost-savings benefits of its own.</p> <p>It's starting to look like Blockbuster stands alone in its fight for release-day rentals and could use some better friends to boot.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/WAL-MART-LOGO_195.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="100" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101218/netflix-finds-allies-unexpected-places-id-10145205.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101218/netflix-finds-allies-unexpected-places-id-10145205.html#comments Investing investing United States Sat, 18 Dec 2010 07:58:09 +0000 Anders Bylund 145205 at http://themoneytimes.com Analysts Are Completely Wrong About These Stocks http://themoneytimes.com/featured/20101217/analysts-are-completely-wrong-about-these-stocks-id-10145159.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Although there will always be differences of opinion, these are some of the CAPS community's most favored companies. So why does the professional analyst community look down on them?Below we'll look closer at a handful of companies that CAPS members have bestowed the highest four- and five-star rating upon, meaning you think they have the best chance of outperforming the market. Yet Wall Street still can't muster up enough opinions to agree.</p> </div> </div> </div> <p><br /> </p><p>So who's got it right? The professional class of analysts, sitting in their paneled offices smoking stogies, or a motley crew of community investors pooling their best thoughts for others to share. We've got an idea on who we think will come out ahead, how about you?</p> <table cellspacing="0"> <tbody> <tr> <th> <p align="center"><strong>Stock</strong></p> </th> <th> <p align="center"><strong>CAPS Rating<br /></strong><strong>(out of 5)</strong></p> </th> <th> <p align="center"><strong>Wall Street Bullish Sentiment</strong></p> </th></tr></tbody></table><div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/apple-logo13_401.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="217" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101217/analysts-are-completely-wrong-about-these-stocks-id-10145159.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101217/analysts-are-completely-wrong-about-these-stocks-id-10145159.html#comments differences of opinion investing Investing The professional class of analysts United States Fri, 17 Dec 2010 06:52:08 +0000 Rich Duprey 145159 at http://themoneytimes.com Why the Street Should Love McAfee's Earnings http://themoneytimes.com/featured/20101216/why-street-should-love-mcafee039s-earnings-id-10145131.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p>Although business headlines still tout earnings numbers, many investors have moved past net earnings as a measure of a company's economic output. That's because earnings are very often less trustworthy than cash flow, since earnings are more open to manipulation based on dubious judgment calls.</p> </div> </div> </div> <p>&nbsp;</p> <p>Earnings' unreliability is one of the reasons Foolish investors often flip straight past the income statement to check the cash flow statement. In general, by taking a close look at the cash moving in and out of the business, you can better understand whether the last batch of earnings brought money into the company, or merely disguised a cash gusher with a pretty headline.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/mcafee_logo_apr05_7.jpg" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="40" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101216/why-street-should-love-mcafee039s-earnings-id-10145131.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101216/why-street-should-love-mcafee039s-earnings-id-10145131.html#comments Calling all cash flows investing Investing McAfee United States Thu, 16 Dec 2010 16:21:57 +0000 Seth Jayson 145131 at http://themoneytimes.com FuelCell Shares Popped: What You Need to Know http://themoneytimes.com/featured/20101216/fuelcell-shares-popped-what-you-need-know-id-10145115.html <div class="field field-type-text field-field-teaser"> <div class="field-items"> <div class="field-item odd"> <p><em>Although we don't believe in timing the market or panicking over market movements, we do like to keep an eye on big changes -- just in case they're material to our investing thesis.</em></p> <p><strong>What:</strong> Shares of alternative energy company <strong>FuelCell</strong> <span class="ticker">(Nasdaq: FCEL)</span> charged up as much as 15% in intraday <a name="_GoBack" id="_GoBack" rel="nofollow"></a>trading on heavy volume.</p> </div> </div> </div> <p><br /> </p><p><strong>So what:</strong> Investors appear to be reconsidering how they feel about FuelCell's fiscal fourth-quarter earnings report. On Monday, the company announced that its fourth-quarter sales had fallen from $20.4 million last year to $19.7 million. The tally also missed Wall Street estimates, and shares plunged on the news. However, the company's loss per share for the quarter of $0.11 was markedly better than the $0.14 that analysts were looking for.</p> <div class="field field-type-filefield field-field-image"> <div class="field-items"> <div class="field-item odd"> <img src="http://themoneytimes.com/files/imagecache/picturethumb/fuelcell_0.gif" alt="" title="" class="imagecache imagecache-picturethumb imagecache-default imagecache-picturethumb_default" width="180" height="65" /> </div> </div> </div> <p><a href="http://themoneytimes.com/featured/20101216/fuelcell-shares-popped-what-you-need-know-id-10145115.html" target="_blank">read more</a></p> http://themoneytimes.com/featured/20101216/fuelcell-shares-popped-what-you-need-know-id-10145115.html#comments energy company FuelCell investing Investing shareholders United States Thu, 16 Dec 2010 07:08:54 +0000 Matt Koppenheffer 145115 at http://themoneytimes.com
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