coloradoblog.info

Young America by Stanley 825-74-419 Perfect for almost any room in your house, this 4 Seasons Harmony Espresso Large Storage Console offers a wonderful blend of both style and function. Providing ample storage space as an entertainment center, this large storage console and its four adjustable shelves and two drawers will certainly enhance the decor of any bedroom. Features: -Lightly distressed Espresso finish. -Constructed of hard maple and select hardwoods. -Maple veneers provide smooth, flat surfaces. -Four adjustable shelves. -One storage drawer. -One drop front drawer. -Two abaca baskets. -Four cord holes. -Overall Dimensions: 34" H x 48.5" W x 19.25" D. Introducing 4 Seasons Young Americas 4 Seasons collection offers four special finishes each as unique as the seasons of the year. This special group captures the beauty of Louis Philippe traditional styling and pairs it with finishes that range from traditional to contemporary. Each piece in the collection is available in a choice of lightly distressed classic finishes: Tranquility Honey, Serenity Cinnamon, Contentment White and Harmony Espresso. Multiple crib options, Built to Grow wall systems, storage and simple, clean silhouesttes distinguish the collection. Choose one complete finish look or mix and match the choice is yours!

: 
Company: Young America by Stanley 
List Price: 
Amazon Price: 
(more...)

Tags:   America Stanley 825 419 Seasons Harmony Espresso Storage Console

Ace Rivets 1/8 Diameter 1/16-1/8 Grip Range For Use With All Rivet Tools Clam Shell Discovery Con, Nbr, Sup, Hwu Aluminum Package Of 100

Misc.: 
Company: Stanley Ht Consumer Fastening 
List Price: $42.79
Amazon Price: 
(more...)

Tags:   Ace Rivets Diameter

Ace Rivets Aluminum 3/16 Dia For Use With All Rivet Tools Clam Shell Discovery Con, Nbr, Sup, Hwu 1/8 Grip Range Package Of 50

Misc.: 
Company: Stanley Ht Consumer Fastening 
List Price: $46.09
Amazon Price: 
(more...)

Tags:   Ace Rivets Aluminum

Director:  Paul Raimondi
VHS Tape:  Color, EP, Original recording reissued, NTSC
Company: Unapix Consumer Products  (1998-03-26)
List Price: $9.98
Amazon Price: $9.86
Used Price: $9.45
(more...)

Tags:   Crosscut

Director:  Richard Stanley
VHS Tape:  Color, NTSC
Company: Unapix Consumer Products  (1999-02-03)
ISBN: 6305249997
List Price: $14.98
Amazon Price: 
Used Price: $2.22
(more...)

Tags:   Treasure

Director:  Evan Crooke
VHS Tape:  Color, EP, NTSC
Company: Unapix Consumer Products  (1998-05-26)
ISBN: 1575233541
List Price: $9.98
Amazon Price: $29.74
Used Price: $14.50
(more...)

Tags:   Jar

3 & 1 Stanley Tripod Flashlight, Uses 3 X 20 Lumens Ofl Lght, 3 High Brightness LED's, Shatter Resistant Lens,120 Degree Multi-Directional Rotating Heads,One Touch On/Off Switch Turns All Flashlights On/Off, 1 Touch Tripod Release Button, Seperates Into 3 Individual Flashlights.

Tools & Hardware:  Separates into 3 individual flashlights, Combines into a regular high powered flashlight, Each flashlight generates 20 lumens of bright light, Hands free operation, Uses three 1/2 Watt high brightness LED
Company: Stanley  (2008-10-01)
List Price: $29.99
Amazon Price: $29.51
(more...)

Tags:   Stanley 155 Tripod Flashlight

6 Piece, Precision Screwdriver Set, Consists Of: 0 PT Phillips, 1 PT Phillips, 1.4 MM, 2.0 MM, 2.4 MM & 3.0 MM Slotted Screwdrivers.

Tools & Hardware:  Precision screwdriver set provides 6 popular Phillips and slotted screwdrivers for a wide range of fastening applications, Swivel-head handles provide precision and reach, Tough plastic shafts with soft cushion grips ensure greater comfort, Includes 0-point and 1-point Phillips, and 1.4-mm, 2.0-mm, 2.4-mm and 3.0-mm slotted screwdrivers; plastic storage case included, Backed by lifetime limited warranty
Company: Stanley Hand Tools 
List Price: $6.49
Amazon Price: $3.50
(more...)

Tags:   Stanley 052 Precision Screwdriver Piece

Max Steel Multi-Angle Vise, Infinite & Lockable Positioning Achieved With Swivel Ball Design, Easily Attached To Most Work Surfaces With Integral Screw Clamp, Durable Cast Aluminum & Steel Construction, Removable Jaw Pads Protect Surfaces From Marring & Damage.

Tools & Hardware:  Infinite and lockable positioning achieved with swivel-ball design, Easily attached to most work surfaces with integral screw clamp, Durable cast-aluminum and steel construction, Removable jaw pads protect surfaces from marring and damage
Company: Stanley Hand Tools 
List Price: $29.99
Amazon Price: $29.99
(more...)

Tags:   Stanley MaxSteel 069 Multi Angle Vise

STANLEY 66-344 FATMAX(R) 4-IN-1 POCKET DRIVER SET OF PRECISION DRIVERS IN ONE TOOL; SOFT, COMFORTABLE GRIP; TEXTURED SURFACE IS SLIP, CRACK and PEEL RESISTANT; MAGNETIC BITS

:  Set Of Precision Drivers In One Tool, Soft, Comfortable Grip, Textured Surface Is Slip, Crack & Peel Resistant, Magnetic Bits, STANLEY 66-344 FATMAX(R) 4-IN-1 POCKET DRIVER
Company: STANLEY 
List Price: $8.51
Amazon Price: $2.52
(more...)

Tags:   POCKET SCREWDRIVER

Amazon.com: Stanley Consumer Storage 014725R 25 Removable Compartment Professional Organizer: Home Improvement (more...)

Tags:   Amazon com Stanley Consumer Storage 014725R Removable Compartment

Amazon.com: Stanley Consumer Storage 033023R Pro Mobile Tool Chest: Home Improvement ... This item: Stanley Consumer Storage 033023R Pro Mobile Tool Chest Stanley ; Stanley ... (more...)

Tags:   Amazon com Stanley Consumer Storage 033023R Pro Mobile Tool Chest

A world leader in the design, development and delivery of tools, Stanley brings to market the strongest and most innovative tools available. (more...)

Tags:   Stanley Consumer Products

Website: zag.co.il Mailing Address: Stanley ZAG 480 Myrtle Street New Britain, CT 06053 Tel: 800-262-2161 Fax: 800-643-3756 (more...)

Tags:   Stanley Consumer Storage

200 off new MacBook Pros, $110 off MacBooks & iMacs: Mac Pricing Matrix updated January 2nd (Find the best prices on Macs). (more...)

Tags:   AppleInsider Morgan Stanley consumers iPods cell

Get detailed information on MORGAN STANLEY CONSUMER INDEX (^CMR) including quote performance, Real-Time ECN, technical chart analysis, key stats, insider transactions, and the ... (more...)

Tags:   CMR Summary MORGAN STANLEY CONSUMER INDEX Yahoo Finance

Stanley Consumer Storage 014725M 25 Compartment Professional Organizer This Professional organizer has 25 multi-sized removable compartments. The lid (more...)

Tags:   Stanley Consumer Storage Betterimprovement com

MORGAN STANLEY CONSUMER INDEX ($CMR.X) - stock market index quote. Get the latest quotes for stock market indexes and sector indexes including the Dow Jones Industrial Average ... (more...)

Tags:   Stock Market Quote MORGAN STANLEY CONSUMER INDEXCMR MSN

October 13, 2006 Internet & Consumer Software US Internet Advertising Outlook, 2006-2010E We remain upbeat about the five-year outlook, and project a 20% five-year base-case CAGR ... (more...)

Tags:   Internet Consumer Software Advertising Outlook

Get the latest on MORGAN STANLEY CONSUMER INDEX (CMR.X) including up to date news, high quality discussion groups and more on Google Finance. (more...)

Tags:   CMR MORGAN STANLEY CONSUMER INDEX Google Finance

We have our priorities all screwed up --- it is not the BIG 3 that is to blame, it is the mortgage companies and banks that got us into this mess. At least the BIG 3 make jobs, all the banks and mortgage companies do is make money out of thin air and keep us in debt. o $800 billion to support mortgage consumer debt o $100 billion for Fannie Mae o $100 billion for Freddie Mac o $150 billion for Stimulus package (from January) o $8 billion for Indymac o $29 billion for Bear Stearns o $ 700 billion for Wall Street ( Bank of America; Merrill Lynch, City Group, JP Morgan, Washington Mutual, Wells Fargo; Wachovia, Morgan Stanley, Goldman Sachs...) o $143.8 Billion for AIG ( which keeps growing) o $25 Billion for the big three in Detroit o $138 billion for Lehman Brothers (post bankruptcy) through JP Morgan o $50 Billion for money market funds o $ 620 billion for general currency swaps from the feds Totaling : $2,863,800,000,000 That is 2 TRILLION, 863 BILLION, 800 MILLION DOLLARS Sounds like war to me. Based on a $50,000 a year income, paying off that debt, by an individual, one full paycheck at a time (assuming no taxes are taken out) that debt would take 57,276,000 years to pay off at zero interest. That is over 57 million years. Peace Jim . What are your thoughts about this? . (more...)

Tags:   Voting Question Whats screaming

o $800 billion to support mortgage consumer debt o $100 billion for Fannie Mae o $100 billion for Freddie Mac o $150 billion for Stimulus package (from January) o $8 billion for Indymac o $29 billion for Bear Stearns o $ 700 billion for Wall Street ( Bank of America; Merrill Lynch, City Group, JP Morgan, Washington Mutual, Wells Fargo; Wachovia, Morgan Stanley, Goldman Sachs...) o $143.8 Billion for AIG ( which keeps growing) o $25 Billion for the big three in Detroit o $138 billion for Lehman Brothers (post bankruptcy) through JP Morgan o $50 Billion for money market funds o $ 620 billion for general currency swaps from the feds Totaling : $2,863,800,000,000 That is 2 TRILLION, 863 BILLION, 800 MILLION DOLLARS Sounds like war to me. . It seems all I hear about is the Big 3, which now looks like small potatoes. Based on a $50,000 a year income, that debt would take 57,276,000 years to pay off at zero interest. That is over 57 million years. (more...)

Tags:   Voting Question add bailout scared

REAL QUESTION. Not rhetoric. Or is it a scare tactic used to make us think that we are in dire straights? The numbers came in, and they do not indicate that we are in a recession. What's going on here? Is it to get us to spend more money, or a tactic used to make us think that things are so bad, that we react in a way that is predicable/desirable to Wall Street, Government, or any other entity? "Only few weeks ago we were headed for our first-blown horrible recession in 16 years, according to predictions made by the economist elite at Merrill Lynch and Morgan Stanley. This notion was also reinforced only a couple of days ago by Warren Buffett in a CNBC interview. This is unfortunate. Media hysteria over the mortgage crisis and continued collapse in homebuilding has certainly misled countless people about prospects for the real economy. We still grew at 0.6%. This naturally leads one to ask the contrarian question: Since when have the media and the Buffetts of the world ever had our best interest at heart and given us an advance warning of an impending economic crisis that actually came to pass? Exactly. Napoleon Bonaparte cynically once said ?Men are moved by two levers only: fear and self interest.? You would agree with me that Wall Street has become master of both elements. Fear sells. It sells newsletters, it sells bookings and most importantly shakes the weak hands. Here are some numbers: riday?s job report (May 2nd) was another indication that the US economy is not about to roll over, as widely predicted. The report came in stronger than the consensus expected with non-farm payrolls declining only 20K in April from an expected loss of 75K, while revisions to February and March subtracted 8K. This is consistent with sluggish growth for the first half of fiscal ?08, but not recession. If this were a true recession, the kind that feeds upon itself, job losses would be much more severe and corporate profits would not be nearly as good. As a result, the Unemployment Rate dropped to almost 4.9 percent from 5.1 percent, with Manufacturing Payrolls also reflecting an improvement as it rose to -46K from -48K. Despite a loss of payroll jobs in the past three months, it is likely that real GDP grew at about 2% annual rate in the first quarter. GDP growth for the fourth quarter of 2007 was also up slightly, while the prior two quarters averaged over 4 percent growth. Worth pointing out is that while real GDP slowed to just 0.6% in the first quarter, the number is expected to be revised up, and an economic rebound to more than 3% growth - in the second half of fiscal ?08 is highly probable. Furthermore, consumer spending has been up steadily through the first quarter. Exports are booming with the Factory Orders index adding to the improved outlook and surging to 1.4% from a negative 0.9%. Business investment in equipment and software continue holding up very well. And at 154 million employed, the civilian labor force just hit a new all-time high. Not bad I?d say for a US economy which constantly finds itself in the midst of a fear mongering campaign from the vast armies of journalists and economists who never fail to sensationalize economic problems. Yet, the economy manages to expand and show off signs of resilience." My source: http://wallstreetpit.com/us-economy-is-expanding-not-receding/ (more...)

Tags:   Resolved Question economy recession

A) Private healthcare corporations B) Iraq War C) Oil drillings over untouched natural ecosystems that kill thousands of endangered species D) An assumption that strength of a nation is based on size of the military. E) Having your national boundaries disregarded. F) Losing the Stanley Cup Finals to the Dallas Stars (A Texas NHL Team) G) A consumer at Zellers buys Maple Syrup imported from Vermont! Please don't get insulted by this question. I'm just poking fun for laughs. H) An American enters Ontario and tells the customs official at Niagara Falls "I can't wait to move to Ontario so I can vote "Bloc Quebecois!!!!!!" I) A very strong USA AM radio station blocks CBC from getting a signal, and features rightwing Republican pro-Bush talkshows all day long. J) One of the talkshows on the radio station that's blocking CBC's signal has a show on Canada called "We all live in a Yellow Snow Igloo" sung to Beatles - Yellow Submarine This is more like Toronto Comedy. Actually lets reverse part H. An American guy enters Quebec through New York State and when asked by a franocophone why he wants to visit Canada, he responds "Because I love the CN Tower" Oh I know that last post! The reason the Vienna Boys Choir question got on there? That was suppose to be for the Australia tourist board. Mixing Australia with Austria! (more...)

Tags:   Resolved Question Canadians

With Goldman Sachs and Morgan Stanley becoming commercial banks, and the other three big investment banks/brokerage houses being acquired by commercial banks, politicians and the press won't have Wall Street to kick around anymore. Headlines now shout about a $700 billion "Bailout for Wall Street." Yet strictly speaking, Wall Street as we knew it no longer exists. The conversion or absorption of all five of Wall Street's big investment banks into commercial banks raises several intriguing issues. First of all, the financial storms over the past year have -- before last week -- been largely confined to securities markets and to interbank loans among commercial and investment banks. Bank loans to commercial and industrial business, real estate and consumers continued to expand nearly every month. Commercial and industrial loans exceeded $1.5 trillion this August, up from less than $1.2 trillion a year earlier. Real-estate loans exceeded $3.6 trillion, up from less than $3.4 trillion a year ago. Consumer loans were $845 billion, up from $737 billion. Credit standards are tougher, which is surely a good thing, but interest rates for creditworthy borrowers remain low. The ongoing slow but steady availability of bank credit helps explain the much-remarked contrast between Wall Street and Main Street -- the shaky condition of exotic financial markets compared with relatively benign statistics for industrial production, retail sales, employment and the rest of the nonhousing economy. Most people go about their business without depending on investment banks or exotic varieties of commercial paper. Second, recent events highlight the absurdity of the attempt by several pundits to blame recent problems on "financial deregulation." That complaint was aimed at the Financial Modernization Act of 1999, which passed the House by a vote of 362-57 and the Senate by 90-8, yanking the last brick out of the 1933 Glass-Steagall Act's regulatory wall between commercial banks and investment banks. If it was somehow possible in today's world of global electronic finance to the rebuild such a wall, that would mean J.P. Morgan could not have bought Bear Stearns, Bank of America could not have bought Merrill Lynch, Barclays could not buy most of Lehman, and Goldman Sachs and Morgan Stanley could not become bank holding companies. It is hard to imagine how things would have worked out in that situation, but it surely would not have been an improvement. Since the 1933 regulatory wall has collapsed as definitively as the Berlin Wall, all the giant financial conglomerates now face oversight and regulation by the Federal Reserve, the Securities and Exchange Commission, the Comptroller of the Currency and the Federal Deposit Insurance Corp. Innocents who seek security in regulation need to recall, however, that not one of those august agencies exhibited timely foresight or concern about the default risk among even prime mortgages in some locations, or about any lack of transparency with respect to bundling mortgages into securities. People do not become wiser, more selfless or more omniscient simply because they work for government agencies. Wall Street was always a metaphor, of course, but so are words like "bailout" and "toxic" debt. Nationalization of Fannie Mae and Freddie Mac was a bailout for creditors (who received windfall gains), not for stockholders or executives. The federally enforced shotgun marriage between J.P. Morgan and Bear Stearns at the initially ridiculous price of $2 a share was no bailout for Bear. The 11.3% federal loan to AIG, contingent on the potential expropriation of 80% of shareholder value, is no bailout either. By contrast, what was done to stop a run on the money-market funds is a real bailout which could encourage them to hold risky paper and also make it tougher for commercial banks to attract deposits. The proposal to buy up mortgage-backed securities is a bailout too, though the beneficiaries are not just the tattered remains of Wall Street. The bailout consists of shifting the risk of loss to taxpayers. Actual losses could not reach $700 billion unless the securities were literally worthless, which would mean the value of the underlying real estate fell to zero. What was "toxic" for investment banks is not equally toxic for the Treasury Department because the government does not even bother to keep a balance sheet, much less abide by mark-to-market accounting rules. A powerful motive for converting investment banks into commercial banks is to get around those onerous balance-sheet rules that required fire-sale pricing of securities that were virtually unmarketable during a panicky scramble for liquidity. Strict adherence to those rules made patience a vice and a "buy and hold" approach impossible. This confirms what many of us have long been saying about the foolishness of letting arbitrary bookkeeping rules dominate economic reality. Turning Wall Street into a bunch of com (more...)

Tags:   Resolved Question congress

1. Paulson appears on Face The Nation and says "Our banking system is a safe and a sound one." If the banking system was safe and sound, everyone would know it (or at least think it). There would be no need to say it. 2. Paulson says the list of troubled banks "is a very manageable situation". The reality is there are 90 banks on the list of problem banks. Indymac was not one of them until a month before it collapsed. How many other banks will magically appear on the list a month before they collapse? 3. In a Northern Rock moment, depositors at Indymac pull out their cash. Police had to be called in to ensure order. 4. Washington Mutual (WM), another troubled bank, refused to honor Indymac cashier's checks. The irony is it makes no sense for customers to pull insured deposits out of Indymac after it went into receivership. The second irony is the last place one would want to put those funds would be Washington Mutual. Eventually Washington Mutual decided it would take those checks but with an 8 week hold. Will Washington Mutual even be around 8 weeks from now? 5. Paulson asked for "Congressional authority to buy unlimited stakes in and lend to Fannie Mae (FNM) and Freddie Mac (FRE)" just days after he said "Financial Institutions Must Be Allowed To Fail". Obviously Paulson is reporting from the 5th dimension. In some alternate universe, his statements just might make sense. 6. Former Fed Governor William Poole says "Fannie Mae, Freddie Losses Makes Them Insolvent". 7. Paulson says Fannie Mae and Freddie Mac are "essential" because they represent the only "functioning" part of the home loan market. The firms own or guarantee about half of the $12 trillion in U.S. mortgages. Is it possible to have a sound banking system when the only "functioning" part of the mortgage market is insolvent? 8. Bernanke testified before Congress on monetary policy but did not comment on either money supply or interest rates. The word "money" did not appear at all in his testimony. The only time "interest rate" appeared in his testimony was in relation to consumer credit card rates. How can you have any reasonable economic policy when the Fed chairman is scared half to death to discuss interest rates and money supply? 9. The SEC issued a protective order to protect those most responsible for naked short selling. As long as the investment banks and brokers were making money engaging in naked shorting of stocks, there was no problem. However, when the bears began using the tactic against the big financials, it became time to selectively enforce the existing regulation. 10. The Fed takes emergency actions twice during options expirations week in regards to the discount window and rate cuts. 11. The SEC takes emergency action during options expirations week regarding short sales. 12. The Fed has implemented an alphabet soup of pawn shop lending facilities whereby the Fed accepts garbage as collateral in exchange for treasuries. Those new Fed lending facilities are called the Term Auction Facility (TAF), the Term Security Lending Facility (TSLF), and the Primary Dealer Credit Facility (PDCF). 13. Citigroup (C), Lehman (LEH), Morgan Stanley(MS), Goldman Sachs (GS) and Merrill Lynch (MER) all have a huge percentage of level 3 assets. Level 3 assets are commonly known as "marked to fantasy" assets. In other words, the value of those assets is significantly if not ridiculously overvalued in comparison to what those assets would fetch on the open market. It is debatable if any of the above firms survive in their present form. Some may not survive in any form. 14. Bernanke openly solicits private equity firms to invest in banks. Is this even close to a remotely normal action for Fed chairman to take? 15. Bear Stearns was taken over by JPMorgan (JPM) days after insuring investors it had plenty of capital. Fears are high that Lehman will suffer the same fate. Worse yet, the Fed had to guarantee the shotgun marriage between Bear Stearns and JP Morgan by providing as much as $30 billion in capital. JPMorgan is responsible for only the first 1/2 billion. Taxpayers are on the hook for all the rest. Was this a legal action for the Fed to take? Does the Fed care? 16. Citigroup needed a cash injection from Abu Dhabi and a second one elsewhere. Then after announcing it would not need more capital is raising still more. The latest news is Citigroup will sell $500 billion in assets. To who? At what price? 17. Merrill Lynch raised $6.6 billion in capital from Kuwait Mizuho, announced it did not need to raise more capital, then raised more capital a few week later. 18. Morgan Stanley sold a 9.9% equity stake to China International Corp. CEO John Mack compensated by not taking his bonus. How generous. Morgan Stanley fell from $72 to $37. Did CEO John Mack deserve a paycheck at all? 19. Bank of America (BAC) agreed to take over Countywide Financial (CFC) and twice announced Countrywide will add profits to B of A. Inquiring minds were asking "How the hell can Countrywide add to Bank of America earnings?" Here's how. Bank of America just announced it will not guarantee $38.1 billion in Countrywide debt. Questions over "Fraudulent Conveyance" are now surfacing. 20. Washington Mutual agreed to a death spiral cash infusion of $7 billion accepting an offer at $8.75 when the stock was over $13 at the time. Washington Mutual has since fallen in waterfall fashion from $40 and is now trading near $5.00 after a huge rally. 21. Shares of Ambac (ABK) fell from $90 to $2.50. Shares of MBIA (MBI) fell from $70 to $5. Sadly, the top three rating agencies kept their rating on the pair at AAA nearly all the way down. No one can believe anything the government sponsored rating agencies say. 22. In a panic set of moves, the Fed slashed interest rates from 5.25% to 2%. This was the fastest, steepest drop on record. Ironically, the Fed chairman spoke of inflation concerns the entire drop down. Bernanke clearly cannot tell the truth. He does not have to. Actions speak louder than words. 23. FDIC Chairman Sheila Bair said the FDIC is looking for ways to shore up its depleted deposit fund, including charging higher premiums on riskier brokered deposits. 24. There is roughly $6.84 Trillion in bank deposits. $2.60 Trillion of that is uninsured. There is only $53 billion in FDIC insurance to cover $6.84 Trillion in bank deposits. Indymac will eat up roughly $8 billion of that. 25. Of the $6.84 Trillion in bank deposits, the total cash on hand at banks is a mere $273.7 Billion. Where is the rest of the loot? The answer is in off balance sheet SIVs, imploding commercial real estate deals, Alt-A liar loans, Fannie Mae and Freddie Mac bonds, toggle bonds where debt is amazingly paid back with more debt, and all sorts of other silly (and arguably fraudulent) financial wizardry schemes that have bank and brokerage firms leveraged at 30-1 or more. Those loans cannot be paid back. What cannot be paid back will be defaulted on. If you did not know it before, you do now. The entire US banking system is insolvent. I have my garden, well stocked pantry sheld, outdoor stove, fire wood and propone burners. This will get worse...much much worse........good luck to all!!....be prepared (more...)

Tags:   Resolved Question banking system

Did anyone else see this on Bloomberg.com? Oil starts to drop and Morgan Stanley comes out with a forecast that says Brent Crude Oil (English Oil), will reach $150/barrell. Which is going against consumer trends that show a down turn in consumption, yet they forecast it will go higher, conveniently when Oil had dropped $10 in the past 2 days. http://www.bloomberg.com/apps/news?pid=20601110&sid=aExbP7eURVQU (more...)

Tags:   Resolved Question Proof speculators taking oil rich

21. All organisms classified as protists (1 point) are heterotrophic. are parasites. possess a nucleus. manufacture their own food. 22. Giant kelp form dense ?forests? in the ocean. Kelp are classified as (1 point) algae prokaryotes. protists. fungi. 23. A group of organisms of different species living together in a particular place is called a (1 point) population. community. ecosystem. biosphere. 24. The phylum Porifera includes (1 point) sea squirts. segmented worms. starfish. sponges. 25. The occurrence of the same blood protein in a group of species provides evidence that these species (1 point) evolved in the same habitat evolved in different habitats descended from a common ancestor descended from different ancestors 26. Muscles are connected to bones by bands of tissue called (1 point) cartilage. tendons. sphincters. ligaments. 27. A feeding structure called a radula is possessed by (1 point) mollusks. arthropods. annelids. chordates. 28. Most biologists consider these organisms the direct ancestors of land plants: (1 point) Phylum Ciliophora ? the ciliates Phylum Basidiomycota ? the club fungi Phylum Chlorophyta ? the green algae Phylum Pyrrophyta ? the dinoflagellates 29. An amniotic egg first evolved in (1 point) fish. reptiles. echinoderms. birds. 30. The organism that causes Athlete?s foot is a member of the kingdom (1 point) archaebacteria protista eubacteria fungi 31. Precipitation that becomes overly acidic contains harmful levels of these acids (1 point) sulfuric and nitric acid. hydrochloric and carbonic acid. acetic and boric acid. lactic and muriatic acid. 32. Tube feet and radial symmetry describe the phylum (1 point) arthropoda echinodermata. nematoda. cnidaria. 33. Natural selection could not occur without (1 point) genetic variability in species. interspecific competition. environmental changes. the ozone layer. 34. Bryophytes are ____ plants that include _____. (1 point) nonvascular; mosses nonvascular; ferns vascular; mosses vascular; ferns 35. Production of blood clots is the job of (1 point) red blood cells. plasma. white blood cells. platelets. 36. Which of the following organisms possesses jointed appendages, an open circulatory system, and an exoskeleton? (1 point) a starfish a snail a spider a tapeworm 37. The waxy covering that protects the leaves of plants and helps prevent water loss in the (1 point) cell membrane. cuticle. stomata. sori. 38. A relationship between a producer and consumer is best illustrated by (1 point) a caterpillar eating a milkweed plant. a frog eating a dragonfly. a shark eating a scuba diver. an owl eating a mouse. 39. Which feature is NOT shared by members of the phylum Chordata? (1 point) a tail gill slits a notochord a water vascular system 40. The organism called Euglena is a protist that (1 point) swims by means of cilia. is classified in the phylum Sporozoa. is parasitic. is both autotrophic and heterotrophic 41. Stems exhibit _____ and _____. (1 point) positive phototropism and positive gravitropism negative phototropism and positive gravitropism positive phototropism and negative gravitropism negative phototropism and negative gravitropism 42. In his ?primordial soup? experiment, Stanley Miller did not add oxygen to the apparatus because (1 point) it is not essential to most forms of life. it does not react with ammonia, methane, or hydrogen. it would have lead to the formation of microorganisms. it was not believed to have been present in the Earth?s early atmosphere. 43. All of the following evolved from early reptiles except: (1 point) amphibians birds snakes mammals 44. The functional unit of the kidney where urine production occurs is called the (1 point) bronchiole. nephron. Malpighian tubule. collar cell complex. 45. The term deciduous refers to (1 point) plants that show seasonal loss of leaves. mushrooms that grow in large rings. microscopic organisms that undergo photosynthesis. life cycles that alternate between haploid and diploid forms. 46. If CFCs were banned by all countries, (1 point) acid rain would be eliminated. destruction of the ozone layer would stop quickly. photochemical smog would be reduced in large cities. chlorofluorocarbons already in the atmosphere would continue to destroy ozone for another century. 47. Frogs, toads, and salamanders are classified in the class (1 point) amphibia. reptilia. aves. Osteichthyes. 48. Who developed the system of classifying organisms by assigning them a genus and species name? (1 point) Miller Linnaeus Darwin Aristotle 49. Two categories of the flowering plants called angiosperms are (1 point) conifers and cycads. monocots and dicots. mosses and liverworts. mold and mildew. 50. Cells of the skeletal system are called (1 point) osteocytes. myocytes. monocytes. myofibers. (more...)

Tags:   Resolved Question HELPPpppppp

How do the losses for Citi due to subprime lending compare to some of the other industry giants; Goldman Sachs, Morgan Stanley, and even Bear Sterns? Do Citi more consumer based offerings diversify them enough to compete with these banks? (more...)

Tags:   Resolved Question losses Citi due subprime lending compare industry giants

PLS EXPLAIN LONG BUT UNDERSTANDABLE AND EXPLAINABLE.!! =] Earnings: Nowhere to go but up: NEW YORK (CNNMoney.com) -- Poor results from the banking sector in the fourth quarter are likely to lead to the biggest drop in quarterly profits for large U.S. companies in six years. With 73% of the companies in the benchmark S&P 500 having reported results, overall fourth-quarter earnings are on track to fall 20.1% from a year ago, according to the latest figures from Thomson Financial. That's far worse than what had been expected as recently as Jan. 1, when analysts were predicting a drop of 9.4% "We're really seeing the impact of the credit crunch here," said Jack Ablin, chief investment officer at Harris Private Bank. Unfortunately for investors, the economic slowdown is likely to make things worse for the next two quarters. Thomson is forecasting a slight drop in profits in the first quarter and only a 1% increase in second-quarter earnings. But some market experts are predicting that results in the second half of the year should improve, assuming that most of the financial sector writedowns are out of the way. By the second half of 2008, year-over-year comparisons will get easier, since the third quarter and fourth quarter 2007 earnings were so miserable, said David Dropsey, senior research analyst at earnings tracker Thomson Financial. Dropsey said that if, as some analysts expect, banks are done writing off most of their exposure to bad mortgages by the middle of this year, earnings could rebound in the latter part of 2008. Of course, that depends on what happens to the economy. Barring what Dropsey referred to as a "full-blown recession," earnings growth could return to a more "normal" pace, which historically has averaged about 7.6% a quarter versus the previous year. 4Q blues limited mainly to banks Yes, banks had an awful fourth quarter. With 77 of the 92 companies in the financial sector having reported, the fourth-quarter results from this group are on track to be the worst for any sector since Thomson Financial started tracking earnings in 1997. The sector has been hit hard by massive losses from heavily weighted companies such as Merrill Lynch (MER, Fortune 500), Bear Stearns (BSC, Fortune 500), E*Trade Financial (ETFC), Morgan Stanley (MS, Fortune 500) and Citigroup (C, Fortune 500) And because of the losses, Thomson has yet to be able to determine just how big of a percentage drop financial earnings have taken. But if you strip out the financials, earnings for the S&P 500 would be on track to rise 11.8% versus a year ago thanks to healthy results from several other sectors. Tech and energy deliver In particular, technology earnings are forecast to have grown 26% in the fourth quarter, while energy sector earnings are expected to have grown 20%. That strength is expected to continue in the first quarter of 2008, with technology earnings expected to grow 10% and energy 24%. The performance of tech and energy could add weight to the argument that outside the financial and housing sectors, the economy is holding up better than market psychology would suggest, said Peter Brodie, director of investments at Bryn Mawr Trust Wealth Management. "Investors have been questioning whether or not we are in a recession and if so, how deep of one we'll see," Brodie said. He said that the financial sector earnings show Wall Street is still muddling through the mortgage situation, but that earnings growth in other sectors suggests the economic outlook isn't as dire as it appears to be. Homebuilders and materials struggle But it's not fair to blame all of the market's earnings woes on the financial sector. Consumer discretionary companies, which include homebuilders, are expected to post an earnings decrease of 15% versus a year ago. Strip out the homebuilders though and the sector's earnings would be up 6%. The weakness in the financials and homebuilders reflects the credit and housing market crises that have set sent the economy teetering on the edge of a recession. Beyond housing, there are some indications that other sectors are starting to feel the pinch from a slowdown as well. Earnings from materials companies, which include chemicals firms, are expected to drop 17% from a year ago, partly due to tough comparisons but also due to a sluggish economy. Second-half surge? One encouraging sign for investors is that the earnings picture for financial services companies should start to improve after their dismal fourth quarter. Granted, financial earnings are still expected to slide in the first quarter. But the erosion is expected to wane, with analysts forecasting a profit decrease of 21%. What's more, consumer discretionary companies are expected to only report a 1% drop in first quarter profits, Thomson forecasts. The S&P 500 should return to profit growth in the second quarter and that should usher in even higher levels of growth for the rest of the year as comparisons get easier and tech and energy sector earnings continue to show strong growth. However, Ablin is not so sure that the second half will be quite as robust as some are forecasting. He thinks forecasts are too rosy for the third and fourth quarter and for 2008 overall, particularly for companies outside of technology and energy. Ablin said he is looking for 2008 earnings growth of about 3%, versus current forecasts for over 15%. (more...)

Tags:   Resolved Question SOME1 EXPLAIN PLEASE