Doors Floors and More

Cited: StreetInsider.com

Market, market has got the market? Is it Wal-Mart or Amazon? These two retail giants have been fighting competition within their own markets for a long time. Now, everybody knows that Amazon is the place to go for books and CDs or DVDs at low prices. But this holiday season Wal-Mart wants a piece of that pie.

Big-box discount retailer Wal-Mart (NYSE: WMT) and online one-stop shop Amazon.com (NASDAQ: AMZN) are engaged in a price war that could end up as the biggest story to come out of the busiest shopping season of the year.

The battle started last month when the two retailers began a highly publicized battle to see who could have the lowest price on the newest books and DVDs coming out this fall. Now the two are going back and forth on toys, video games and mobile phones.

In perhaps the most evident sign of the two trying to keep up with each other, Wal-Mart dropped the price of its Easy Bake Oven from Hasbro (NYSE: HAS) to $17 from $28 as a part of its Black Friday deals. Wasting no time, Amazon dropped its similar $28 sticker price for the Oven to a competitive $18. Now, parents will have an option on where to get a good deal the 45-year old toy that is certain to bring brownies undercooked by a light bulb into homes across the country this holiday.

The two companies are fundamentally different and Amazon poses no real threat to Wal-Mart and its 4,000 stores. Lately the lines that divide the two are becoming blurred. Wal-Mart is expanding its online services in an effort to not cede any of its sales, which last year totaled $405 billion.

Amazon is punching back as it now offers same day shipping on its merchandise in seven cities to give the consumer some of the instant gratification that they receive from shopping in a store. Amazon is also looking to increase profit margin with expanding its white-labeling program by branding products with the company’s image. Amazon is leading the E-Commerce revolution, which currently only holds 4% of the retail market share, but is growing rapidly among those consumers who would rather point and click, rather than venture to overcrowded stores.

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Among the items being tussled over by the two companies are video games like Call of Duty: Modern Warfare 2, which Wal-Mart started selling with a $15 gift card, an offer that Amazon soon thereafter matched. Similarly both companies are now selling Xbox 360 gaming consoles for $199 with a $100 gift card, as well as the new Palm (NASDAQ: PALM) Pixi phone for $30, $175 off retail price.

As the two companies continue to grow and evolve it is clear that the competition will continue. As for this holiday season, consumers will have plenty of deals to choose from as things heat up.

Shares for Wal-Mart are trading were nearly even on November 25, up 0.31% to $55.02. Amazon is down a fraction to $132.84. There is a significant difference between the core shoppers of Amazon and Wal-Mart were competing toe-to-toe on some items. The largest percentage of Wal-Mart shoppers earn $25,000-$45,000 a year, compared to over $100,000 at Amazon.

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My Take: It is good to see a little bit of competition between competing retailers. It means that consumers are going to get lower prices and will be able to afford the things they want. Consumers like college students do not have much money will be able to afford their Greek clothing this year. It also means that they will be able to get cool tees as from as gifts for their friends or family this Christmas.

Of course, some college students will be entering fraternities or sororities and will need to get a Greek shirt for next semester and with this kind of competition they will be able to afford it. They will also be able to afford some new cool T shirts for next summer.

Don’t get me wrong, students will not be the only ones who will benefit from the price wars this holiday season. The low prices on books and DVDs are just beginning. If the competition heats up more, you will see lower prices on electronics, toys, toiletries and even some of the frivolous things like Scentsy wickless candles. I know, women are the ones that usually light all the candles in the bathroom and then soak in the tub to relax. Some men do it as well! Of course, they will need the Scentsy candle warmer for these candles, they have no wick.

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Holiday Advertising

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Cited: Reality Times

“It is the most effective sales program I have ever seen.” Says Hilton head developer David Brown, it is better than good. Read this incredible good news, especially if you’re a homebuilder, builder/developer, developer or lender fending off commercial foreclosures!

Brown needed to sell his five models. He hired an internet marketing company to help him, then challenged them to design a program around a ‘call to action.”

The company, SaleAMP, suggested the developer give new home buyers what resale real estate thrives on: the opportunity to make an offer- but to do it quietly, fast and with internet marketing thrust at full throttle.

Here are the rules set by SaleAmp. They care, because they get paid profits for performance, a novelty in itself.

• Establish a thirty-day offer window
• Limit inventory
• Keep it publicly quiet to the local market to protect the perception of a distress sell
• Do not use traditional media or an auction house
• No MLS
• No absolute pricing
• No buyer’s premium
• No heavy marketing costs and no intense management
• Employ every internet marketing tool available
• Implement at supersonic speed

Hello, “stealth” auction.

“Within 30 days, we had 22 offers, sold the five models, plus two more homes. We had visitors from New York and California who flew in just to see what we were selling. It was unbelievable,” Brown said.

The results: Brown is opening a second development within a few weeks, something he said he would have never done, if the program had not worked so well.

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Amy Garcia, marketing director for The Reserve At Lake Travis in Austin, Texas, and The Boardwalk at St. Charles Bay, Texas, agrees with Brown. She credits SaleAMP’s real estate internet marketing prospect capture and delivery systems with a forty percent increase in sales of lots and cottages.

“If we get the right offers, we accept the offers. If the offers come in too low we call the buyers, explain that the offers for the properties were too low, and encourage them to raise their bid. If they choose not to, we offer them lower priced lots. We keep two or three units in the offer inventory all the time. It costs us nothing, is totally flexible, easy to control, and requires no management.” Garcia says.

Internet auctions for real estate are nothing new, of course. What seems to be driving sales while protecting property pricing integrity and brand is the stealth approach to online auctions?

This approach gives developers with distressed or pending foreclosure inventory a fast, low cost way to test the market and generate sales without publicly conceding or implying desperation. In less than two months developers could have enough sales to support a request for a forbearance agreement. Lender with foreclosed assets may also move in this direction as a fast way to determine pricing and disposition alternatives. Traditional auction houses already have internet auction capability. So do major real estate franchises. It would be reasonable to assume that online real estate auctions will continue to grow and to become fairly common place in the days ahead.

But Paul Kirchoff, SaleAMP’s Founder and CEO, a former Dell Computer marketing guru, says that the key to any marketing program, whether it be an auction or not, is not the program or event. It is the traffic driven to it.

“It is exciting to design innovative programs like the stealth auction that work, for sure, but the real key, assuming the product is saleable and priced right, is getting traffic to the event. Without it, your auction landing page is nothing but another billboard on a back road to nowhere,” Kirchoff said.

For sure, SaleAMP is not the only internet marketing service out there.

The following key word Google searches were conducted on October 31, 2009. The results were surprising.

• Online real estate auction – 42,800,000 pages
• Online shopping center auction – 5,930,000 pages
• Orlando shopping center auction – 170,000 pages

The bottom line is that there are now real auction choices developers and lenders. They can conduct traditional, online or a combination of both.

Brown believes the stealth auction, or as he calls it, the ‘best offer bid’ will be the dominant new homes marketing strategy in 2010 and beyond.

He could be right or he could already be losing ground to yet unknown technology now being designed somewhere. Who knows?

Of those homeowners who are looking to buy, 85% of them shop on the Internet first. In fact, few people know they are even looking to buy. Another thing, most have not contacted her real estate agent and do not plan to. And stealth sellers are doing more than just drawing traffic, they are selling homes!

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My Take: The only problem I can see with this is the integrity of the seller. If the seller has no integrity, you do not know what you are really buying or the Internet. If you’re buying a house or property as an investment, you will probably have the money to fly to the location to see the house or property. There is not much you can tell from the picture of a home with custom wood entry doors.

Those exterior wood doors could be hiding a disaster area and you would not know it until you went to move it. However, you would definitely be surprised if you found bifold interior doors. I think it is a great idea to sell property online. But they need to have some kind of safeguards or regulations to ensure that people do not get scammed or cheated. Otherwise, people are going to purchase something they think is good, only have to put out more money to repair it.

If it is an investment, the extra cost could cause them to need a commercial loan workout just to keep the investment going. I am sure that nobody would want to have to contact commercial loan specialists following an Internet scam like that.

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Internet Clothing

With a click of a mouse, one Carhartt distributor can ship his inventory around the world. That inventory includes flame resistant clothing, which provides superior abrasion resistance and offers increased comfort and durability. The arc resistant high-tension snap closure at the waist of a pair of ultra soft duck pants is a brass zipper fly with Nomex zipper tape. It also includes 100% cotton denim Black fleece lined relaxed fit jeans that set at the natural waist with two reinforced back pockets for excellent lined work pants. These will make a great addition to your Carhartt work clothes.

Little Princess Accessories

An Internet retailer that specializes in customized accessories for every Little Princess can help you accessorize that beautiful little girl this Christmas. Whether you need headbands for infants to show off your little angel’s eyes or a crocheted hat to keep her warm, you will find what you need or have it made. This retailer can customize accessories like hair bows, baby headbands, flower hats, bracelets and many other items with outfits to complete the look.

Cited: Wall Street Journal

Black Friday has been considered an important indicator of retail sales during the holiday season for many years. However, this year the following Monday or cyber Monday may provide important information on how the stock market will perform the remainder of the year.

On Friday, November 27, stock market trading volume will be particularly weak and it will be difficult to get a clear reading on how much spending consumers are actually doing. But by Monday, preliminary reports of retailers’ sales on Black Friday and throughout the weekend will have been released, and they are likely to become a big driver of Monday’s stock-market action. Using history as a guide, Monday’s trading is likely to indicate what the stock market will do the rest of the year.

This year, holiday retail sales have become an even bigger focus for investors than in the past. With the consumer-discretionary sector of the S&P 500 having climbed 34% so far this year despite a 10.2% unemployment rate, investors are looking for the consumer’s behavior this holiday season to either justify the rally so far and indicate more gains may come, or show that it’s time to get out.

“Black Friday is critical,” said Michael Alpert, a portfolio manager with Seligman Investments. “Black Friday is really where we’ll get a sense of how strong the consumer feels and if the 90% of consumers still employed are still going to go out and spend.”

According to Schaeffer’s Investment Research, looking at the past 40 years, the Dow Jones Industrial Average has climbed from the close of the Monday after Thanksgiving through the end of the year 75% of the time that the Dow was positive on that Monday after Thanksgiving.

For those who are giving the party this holiday season . . . At one online retailer you can order personalized anniversary invitations quickly and easily and they provide friendly service and advice, if you need it. You can reach them by phone or email at just about any hour. Baby shower invitations, birthday party invitations and bridal shower invitations are their specialty.

The average return over that period was 2.5%. Whenever the Dow fell on that Monday, it still rose from then through the end of the year 61% of the time, but 61% isn’t nearly as strong as 75%, and the average returns during those periods were a weaker 1.78%.

The connection is even stronger in recent years, when more accurate data became available sooner after Thanksgiving. In the last 10 years, when the Monday after Thanksgiving was positive, stocks rose through the end of the year 100% of the time.

The National Retail Federation released survey results Wednesday that showed up to 134 million people are expected to shop this Friday, Saturday or Sunday, higher than the 128 million people who said they planned to last year. In addition, Andrew Beck, portfolio manager at Aston/River Road Asset Management, said he wouldn’t be surprised if the sales results from this weekend beat investors’ expectations, which would be good for stocks through the end of the year.

Still, Mr. Beck said, “that’s only because expectations are so low and comparisons to last year are easy.” He added that regardless of how the retailers do this holiday season, valuations are no longer that attractive, which prompted his firm to recently sell its holdings in Polo Ralph Lauren Corp. and Abercrombie Fitch Co.

Nevertheless, many participants are waiting for this weekend’s retail sales to decide how to position their portfolios for 2010.

“Given the appreciation that we’ve seen among a lot of these consumer-oriented stocks, investors are paying more attention,” Mr. Beck said. “You’re more sensitive to what’s going to happen in the holiday season to make a decision of ‘Do I want to hold this position into the new year, or not?’”

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My Take: Well, it seems logical that the following Monday would be a better indicator of not only stock prices but retail sales. Many people do not want to fight the crowds on Black Friday. There are a lot of people who will stand in line for hours just to get a good price on a pair of low rise jeans for Christmas present. I, myself, would rather we go online and get a better pair of skinny jeans and take advantage of the convenience of doing it for my own home.

However, many people feel that Black Friday is the best day offer sales and lower prices. They can find the makeup and natural skincare products if they want at lower prices. Or maybe they’re looking for sales on Hugo Naturals shampoo. If they would only realize that they could probably get the same items online at a sale price, they would not have to wait in line for so many hours.

Some online retailers can provide some beautiful custom gifts at sale prices. In fact, I know one online retailer that sells personalized custom gifts at good prices. I believe that online retailers are going to take advantage of Black Friday just as well as in-store merchandisers. So I do think that Monday will reveal a lot after the weekend.

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Cited: CNN Money

The unemployment insurance bill that was signed by President Obama on November 20 be giving businesses a break. They will have a chance to turn some of their losses in the cash with a temporary expansion of attacks manager that is often used. Of course, another tax break will be put on hold to pay for it. This will allow businesses to turn recent losses into cold cash.

The bill will let all businesses apply their losses from either 2008 or 2009 to any five years prior to 2008. By doing so, they can get a refund from the IRS on the taxes they paid for those five years. A loss is defined as the amount by which a company’s tax deductions exceed its gross income.

Under current law, the so-called “net-operating loss carryback” is only allowed for two years. There are only two restrictions to the new provision. The first is that no business that has accepted funding from the Troubled Asset Relief Program (TARP) would be eligible for the break. And the second is that any refunds for taxes in the fifth year would be reduced by 50%. The provision is estimated to cost $10.4 billion over 10 years, according to the Joint Committee on Taxation.

Businesses have been angling for this break throughout the recession. And they expected it to come a lot earlier. A similar measure was proposed for inclusion in the $787 billion stimulus package passed in February. But it ended up being watered down so that only small businesses with gross revenue of $15 million or less could qualify.

While those small businesses represent about 98% of companies, they only represent roughly 5% of taxable income, said Clint Stretch, managing principal of tax policy at Deloitte, at the time. Not surprisingly, the estimated cost of that provision in the stimulus bill was considerably lower, just under $1 trillion.

For those businesses who wish to utilize their newfound cash . . If you own and operate a small business you will find a vast selection of top-of-the line and fully recyclable promotional bags which may be used for all of your public and private events, trade shows, educational seminars company off-sites and special marketing or product launch campaigns. Custom packaging products for shipping, storing with ease and promotional plastic bags will carry your product and showcase your brand with style.

Who is likely to benefit most?

While most businesses have suffered during the downturn, those in the hardest hit industries are going to enjoy the biggest break.

“The homebuilders and banks that have never taken TARP money are the most obvious beneficiaries,” said Anne Mathias, director of research at Concept Capital’s Washington Research Group, in a research note.

But she also noted others in line to benefit include semiconductor companies, materials companies, retailers and print media companies. While an overwhelming majority of lawmakers voted for the overall bill, not all lawmakers are happy with the provision.

Calling it a “corporate giveaway, Rep. Lloyd Doggett, D-Texas, said, “This is a textbook example of how not to deal with the economic challenges facing our country,” according to a CongressDaily report.

A supporter of the provision, House Ways and Means Select Revenue Measures Subcommittee Chairman Richard Neal, D-Mass, said it would help businesses hard up for cash. “It will provide quick capital at a time when it is nearly impossible to find,” Neal said.

The quid pro quo

One way the legislation seeks to pay for the cost of the tax breaks is to delay the implementation of a tax relief provision for multinational companies that was supposed to be enacted in 2011. Under the bill, it will now be enacted in 2018. The tax relief measure is intended to create more of an incentive for multinationals to invest in the United States. And the way it is structured it would benefit financial services companies the most. The delay in implementation is expected to raise $20.1 billion over 10 years, the JCT estimates.

Multinationals aren’t happy about it but they haven’t fought the measure because “they have bigger fish to fry,” such as the potential loss of their ability to defer paying U.S. tax on income they haven’t brought back to U.S. soil, said Joanne Thornton, director of international research at Concept Capital, in her research note.

There is also a possibility that the delay in the measure could become permanent in part because it will be a tempting revenue raiser to pay for other legislation. The House health reform bill, for example, already calls for a full repeal of the multinational tax relief measure for a savings of $26.1 billion over 10 years. Now, Thornton said, “there will be a $20.1 billion hole in the health care bill.”

Lawmakers already proposed another measure in anticipation that the bill would pass that would compensate and potentially raise nearly $24 billion. However, negotiations are still taking place to get the legislative language in line that could reduce how much will be raised for the measure.

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My Take: You know something, every time they pass a new “Bill” they keep telling us that it is going to save money and in the long run it usually costs more money. This falls into the vicious circle of costs.

By that I mean, that every time prices go up, it takes forever for the paychecks to follow. The cost of everything goes up very fast. However, wages do not follow suit very quickly. It is no wonder that people cannot afford anything in today’s society.

Complaining about your custom payroll program has no affect on your wages. All they really do is keep track of your time and attendance and not how much you get. You need to complain to your boss about how much you make. But of course, as with many bosses, they are more concerned about their credit card processing and how much money they make. In fact, your company is probably worrying about your business merchant account because your sales are down.

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Gifts for All

Not everybody wants a wood propeller or any aviation gift for that matter, a brass bell, lake house signs or even the coolest hockey gift there is. These best sellers only scratch the surface of what you will find at one retail website. But they are pretty sure you will not find such an eclectic group of nostalgic products anywhere else like tin signs.

Automobile Insurance Quotes

In the old days, before the luxury of the internet, you were forced to go to or call an insurance agent’s office in order to get auto insurance quotes. This is an extremely inefficient way of getting a good deal. Auto insurance premiums differ greatly between companies. You could go to one agency and be charged 30% more than another company, even for the same driver! Getting quotes online is a simple and free way of solving this issue. All you have to do is compare car insurance quotes online by fishing around for the best deal.

Cited: TechNewsWorld

A new family of multicore processors for cloud computing, enterprise networking, multimedia and wireless infrastructure functions have been targeted by Tilera for upgrading. These chips will have 100 quarters according to the company. The new design uses a dynamic distributed approach instead of piling on more memory to avoid the data traffic jams that often plague massively multicore designs. Tilera is a multicore processor specialist will be manufacturing the first-ever 100 core processor in its TILE-Gx family, which will have four processors, with 16, 36, 64 and 100 cores. The processor is aimed at cloud computing, enterprise networking, multimedia and wireless infrastructure.

The 100-Core Processor

Tilera’s processors are based on its iMesh architecture, which can scale to hundreds of RISC-based cores or more on a single chip. RISC stands for Reduced Instruction Set Computing.

The 100-core Tilera processor will have 200 terabits of mesh bandwidth, Bob Doud, Tilera’s director of marketing Download Free eBook - The Edge of Success: 9 Building Blocks to Double Your Sales, told TechNewsWorld. This will solve the main problem to scaling up the number of cores on a processor — bandwidth.

“You can put 1,000 cores on a chip, but if you can’t feed it from memory, all those cores are fetching data all the time and will suck up all your memory,” Carl Howe, director of anywhere research at the Yankee Group, told TechNewsWorld. The 100-core processor will also have 32MB of cache, Doud said. This will be a combination of L1 and L2 cache.

Instead of piling on core memory, Tilera uses a dynamic distributed approach. “Our caching technology is very scalable — instead of having big centralized caches as Intel (Nasdaq: INTC) More about Intel has, we distribute the caches among the tiles and we let tiles look into each others’ caches in a coherent manner,” Doud explained. “You can’t just keep piling on bigger and bigger caches.”

Tilera’s “Cache for Home” technology does load balancing among caches, either across all the cores in a chip or in clusters of cores.

Mesh architecture is used most widely in wireless mesh networking. Each node in a mesh network can act as an independent router, whether or not it is connected to another network. This allows for continuous connections and reconfiguration around broken or blocked paths by “hopping” from node to node until the destination is reached.

“Think of it as the Internet on a chip,” Doud said.

Tilera’s chips have five meshes, Doud explained. One’s for memory, one’s for I/O (input/output), one’s for cache coherency and two are in the user space. Mesh networking lets processors scale up their cores. It may let processors scale up to 1,000 cores, Doud said.

Tilera’s processors are built on the concept of a tile, which consists of a processor core, a cache and a switch. The switch lets each tile mesh with its neighbors on all sides. “We draw the analogy of the Internet on a chip because each of these switches can route packets up, down, left and right, and they’re scalable, whereas buses and rings don’t scale,” Doud said.

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All the tiles are homogeneous and users can allocate them as desired to any task, Doud said. In essence, then, the tiles form a pool of resources which can be called up or returned to the pool at will. This is similar to the concept of maximizing the use of existing resources that lies at the heart of virtualization.

About the TILE-Gx Family

The TILE-Gx family is being fabricated using the Taiwan Semiconductor Manufacturing Company (TSMC)’s 40-nanometer process.

TILE-Gx processors operate at up to 1.5 GHz with power consumption ranging from 10 to 55 watts. The chips have integrated high-performance DDR3 memory controllers. Each chip has either two or four 72-bit controllers running at speeds of up to 2,133 MHz with error-correcting code (ECC) support.

The processors have hardware acceleration engines on-chip. These Multistream iMesh Crypto Accelerator engines deliver up to 40 GB/second encryption and 20 GB/second full duplex compression processing. This is tightly coupled to the iMesh for low latency and wire-speed throughput.

Wire-speed throughput is enhanced by multicore programmable intelligent packet engines. These provide wire-speed packet classification, load balancing and buffer management. The engine is flexible and programmable in the C language. It delivers 80 GB/second and 120 million packets per second of throughput for packets with multiple layers of encapsulation.

For enhanced security, the chips contain a high-performance true random number generator and public key accelerator. These enable up to 50,000 RSA handshakes per second. Samples of the TILE-Gx36 processor will be available in the fourth quarter of 2010. The other processors will be rolled out in the following two quarters.

The More the Merrier

Tilera is not the first company to scale up the number of cores and a chip even if it is promising a 100 core processor. Intel demonstrated processors with multiple cores and 2007.

“Back in 2007, Intel demonstrated other processors with many, many cores,” Matthew Wilkins, principal analyst of computer platforms research at iSuppli, told TechNewsWorld. “The Intel Tera-scale was discussed as having 80 cores.”

That, Doud said, was just a laboratory experiment. “The 80-core Tera-scale prototype used only floating point cores,” he explained. “We believe Intel is probably four years away from having 100 cores.”

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My Take: I am not tech head. All this information sounds very impressive to me, but I really do not understand. What I think this 100 core chip is going to do is speed up computers. However, I could be completely wrong. I am lucky if I can change light bulbs let alone fix a computer. Even so, I would love to have a faster computer. I would love to have something other than Vista as well. Maybe at Christmas time I will get a faster computer as a reward for arguing with the halogen light bulbs.

I know that many businesses that utilize call center software will be thankful for faster computers as well. For businesses, a faster computer would make it easier for them to satisfy consumers when they have a problem. A faster computer would provide a business with a contact center that would improve their business. In fact, even data centers would benefit from a faster processor.

It would allow a business that utilizes a server colocation to access their data on a faster basis and improve business. For example, a New York company using a colocation would not have a delay in accessing data because the system works faster.

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