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Wednesday, February 29, 2012

Selling Structured Settlement Payments: Part 2 - Understanding the Present Value of Future Payments

As called for in a structured settlement, individuals are designated to receive future payments. The payments are issued via an annuity purchased from a large, relatively safe insurance company. Recipients of structured settlement payments sometimes decide that there is an important need to receive settlement funds before the scheduled payment dates.

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HSBC near insurance sales with AXA, QBE: report

LONDON (Reuters) - British bank HSBC is close to a $1 billion sale of its general insurance operations to AXA and QBE , Sky News reported on Wednesday.

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4 Events: Ray's and Stark, Chaya, Golden Road Brewery, Papilles

4 Events: Ray's and Starks, Chaya, Golden Road Brewery, Papilles

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Chicago: The Capital of Corruption

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Samsung: One Tablet Closer to Irrelevance

samsung_tab_150x150.jpgSamsung has a history of its executives contradicting themselves. Especially when it comes to tablet sales. In January 2011, Samsung reported on its earnings call that its tablet sales were "quite small." A minor controversy erupted when the company said that statement was an error in the call's transcription. Samsung backtracked and said that tablet sales were "quite smooth."

Samsung probably should not let its executives talk about tablet sales at all. Today at Mobile World Congress in Barcelona Samsung executive Hankil Yoon said, "honestly, we're not doing very well in the tablet market." He then went on to say that he hopes new Samsung Note tablets would cannibalize sales of older Galaxy Tabs. There are already several versions of Samsung tablets on the market, none of which sell well. Is it time to start killing off a couple versions?

Sponsor

Thumbnail image for samsung-galaxy-s-android-froyo.jpgA popular phrase for fiction writers is to, "kill your babies." That means that during the editing process it may be beneficial to kill off some of your more clever plot lines and dialogue because they ruin the flow of the overall story. It is hard to throw your most clever writing away, but sometimes it is just necessary.

Yoon told reporters, "The best thing to survive in the market is to kill your products ... We want to stay competitive in the market."

Apparently, Yoon's comments did not jibe well with Samsung HQ. Gizmodo reports that the device manufacturer released a counter-statement:

"Seeking to kill your own product by releasing increasingly compelling devices might position Samsung as a confident brand. A brand ambitious to improve its products so that the choice for consumers is between several Samsung products rather than between Samsung and its competitors' products."

That is some pretty quick spin work from the Samsung public relations department. We have written before that Samsung has too many tablets on the market and none of them are priced to sell and many require subsidized contract commitments from mobile carriers. The problem with Samsung tablets is not the hardware and not really the software or even the marketing. It is the variation of tablets on the market and the fact that none are really price to sell and often require contracts.

samsung_tab_7_plus.jpg

How does Apple do so well with the iPad? Outside of the Apple Occult, it has the first mover advantage in tablet market, a robust app ecosystem, a decent price point for entry-level devices and a lack of contracts. The newest Samsung tablet, the Galaxy Tab 7.7, will go on sale for $500 on contract this week. The Amazon Kindle Fire does well because it is a $199 Android tablet from a respectable vendor. No contracts, no contradictions, no hassles.

Samsung contradicts itself at every turn. Whether that is executives saying one thing and the public relations department saying another or the fact that the company thinks that it can compete with itself in the tablet market. Samsung's flood of Galaxy devices into the smartphone market turned out to be a great decision. That approach is just not working in the tablet market.

What do users want from a tablet? One device that comes at a reasonable price point and does not require the user to spend hundreds of more dollars a year on a service they may or may not need. It is hard to gain momentum with a single product when there are five other similar products at similar price points that do not conform to these general rules.

What does that mean for Samsung? It does not mean that there should be more tablets from the vendor as it hopes to find one that explodes on the market. The company is rumored to be making a 10.1-inch Note tablet, a big sister to the 5-inch Note tweener. In tablet range that gives Samsung the Note, 7-inch Tab Plus, 7.7-Inch Tab, 8.9-inch Tab, 10.1-inch Tab and a 10.1-inch Note.

This is all getting confusing. And ridiculous. It is like Samsung feels the need to make splashes at every major gadget conference with a new device. There were new devices at the Consumer Electronics Show, now at Mobile World Congress and likely a couple more lined up for CTIA in New Orleans in May.

Yoon may have spoken out of school with his comments at MWC but Samsung should heed the call. Kill your babies. Make one device, priced to sell, off contract.

Discuss


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Tuesday, February 28, 2012

Why Google+ Doesn?t Care If You Never Come Back

Google Leave Me AloneAd targeting. Google+ is designed to power ad targeting, and for that it only needs you to sign up once. This lets it combine the biographical information you initially enter such as age, gender, and places you've lived with your activity on Search, Gmail, Maps and all its other products to create an accurate identity profile. And this powers targeting of more relevant ads it can charge more for. So despite comScore showing that the average Google+ user only spends 3 minutes per month on Google+, VP Bradley Horowitz wasn't lying when he told the Wall Street Journal "We're growing by every metric we care about".

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UPDATE 3-NY Fed sells last of the AIG rescue bonds

* Credit Suisse buys portfolio with $6 billion face value

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How To Claim Exemptions From Garnishment

The most common garnishments are for child support, defaulted student loans and unpaid taxes. There are certain ways to avoid this and the process in which money is taken from your bank account or even your paycheck has certain exemptions.

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TEXT-S&P summary: Revel AC Inc.

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Real Change in Russia Is Unavoidable

Mikhail Khodorkovsky, Guardian
While this year promises hotly contested battles for the presidencies of France and the US, only in Russia does the outcome seem a foregone conclusion. But whereas we might be reasonably sure of the result, we should not assume that there is little at stake.For western eyes, the neat swap of titles from prime minister to president by Vladimir Putin – suitably circumventing Russia's rule that prevents a president from serving more than two terms consecutively – may appear to suggest business as usual in the closed world of Kremlin politics. 

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Monday, February 27, 2012

Introduction to Business Accounts Receivable Financing Companies

For as long as there will be businesses who need money, there will always be accounts receivable factoring companies; competing for the business' accounts receivables. Before I get into the three best accounts receivable factoring companies out there, let me shed some light on why there are so many companies offering factoring services out there. All businesses, no matter what kind or in what industry, need money to sustain day to day operations and grow.

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Harvey Weinstein Is On A Campaign To Lower The Age Rating Of His Film ?Bully? So Kids Can See It

Movie mogul, Harvey Weinstein, has been working on an important documentary film about childhood bullying, and now the censorship organization have given the film a restrictive rating of R, which means that younger kids will not able to see it without an adult. Harvey is now on a personal crusade to have the age rating [...]

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How to Get a Great Loan for Your Car

An auto loan can be defined as borrowing a specific amount of money temporarily with the purpose of buying an automobile. You may be thinking about this question: how to get the best loan for your car? There are a few pros and cons you may want to consider before this.

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Tips For Obtaining A Loan

A lot of people today are on the lookout for many types of loans, ranging from personal to mortgage loans. Yet, when it comes to applying for a loan, you should ensure many things in the process. Use this article as a base to help you along the way as you try your best to get a loan. The tips in this article are here to assist you in getting any loan you want to get.

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Olympus risks foreign backlash with new board line-up

TOKYO (Reuters) - Japan's Olympus Corp proposed a new board of directors on Monday in an effort to recover from a $1.7 billion accounting fraud, but the line-up could face a hostile reception from foreign investors when it goes to a shareholder vote.

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Sunday, February 26, 2012

Clearwire shares fall on Google stake sale

NEW YORK (Reuters) - Clearwire Corp shares closed down almost 7 percent on Friday after Google Inc said it would sell its stake in the company.

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What Is the Best Advice If Your Credit Is Bad?

Debt problems can be very stressful and if unresolved, make life a living hell. But you can take control by working out a plan and educating yourself about how the law works to protect your rights. Knowledge is power!

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Can Any of These GOP Clowns Beat Obama?

Conrad Black, National Post
The first words Fidel Castro has ever uttered that I have agreed with are those recently published on his blog, in which he opined that the current U.S. Republican nomination race is one of the most inane and stupid events in modern world history. On its record, the Obama administration should be sent packing, bag and baggage. It will have issued $5-trillion of new debt in one term, and publicly held federal debt as a percentage of GDP will have increased from under 50% to about 80%. It is a regime of narcissistic posturing and confidence tricks and bad policy options that richly deserves and...

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How To Get Rich With Passive Income

Do you want to know how to get rich? Rich expands into all areas of your life and can be realized through passive income. Freedom of choice can be achieved through passive income and that is the main objective.

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Saturday, February 25, 2012

Going Through The Debt Counselling Process

One of the main problems for people in countries all over the world today is debt. In recent years banks and other financial institutions have overstretched themselves in terms of lending and this has meant many people have credit they cannot afford. Some people are lucky and are able to make the repayments on the credit that they have taken out, but not all of them are so lucky. In fact right now there are thousands of people each day who are realizing that their debt situation has spiralled out of control.

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Validation of Debt Letter

The validation of debt letter is one of the most important tools to understand for anyone who is in the collections process. This letter can be of great value if used properly when dealing with original creditors and third party debt collectors.

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Bridging Finance - Aapplying Criteria's

You do hear a lot about bridging finance these days. Many of you would have even thought of opting for a bridging loan in order to meet you sudden financial demand. Some would have even tried for getting a bridging finance, a few would have been successful in getting it and a few would have been rejected for some cause.

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You May Be In Debt, But You Do Not Have To Stay In Debt

Most people don't simply wake up one morning and find themselves in debt. Debt has a way of creeping up on people slowly. It can start with one little late interest payment, or an emergency that forces you to take out a payday advance loan and before you know it you find yourself juggling payments never quite having enough money to make ends meet...READ ON >>>

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How to Organize Your Business Finances

Knowing how to organize your business finances can help you to save time and money. By taking the time to follow these simple tips, you can strengthen both the financial health of your business and its cash flow.

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Friday, February 24, 2012

What Is Emergency Evacuation Insurance

When planning a trip, sometimes things do not go as planned. Medical emergencies can take place on the journey. When this takes place, you need to be prepared. A medical evacuation insurance takes care of all your medical needs and if need be, your expenses back home.

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?John Carter? director Andrew Stanton to skeptics: ?Trust us?

“John Carter” will arrive at theaters with something to prove — the Disney fantasy epic is expensive, the trailers haven’t ...

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What You Need To Know About GovLoans

GovLoans is a website brought to life by the United States Government to serve the public's gateway to government loan information. At this time, GovLoans offers information on loan opportunities from five loan making agencies.

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Clean Up Your Debt by Consolidating It All For the New Year!

Consolidating all of your current debt will make a difference to you and your family in saving and planning for the future. Since the Bank of Canada has decided not to increase prime interest rates, now is a great time to take advantage of low lending rates. This means the lending rates will remain the same for the foreseeable future. The average family owes $150.00 dollars for every $100.00 they earn. How badly are you relying on credit to keep you going? Here are a few reasons why debt consolidation may be one solution for you.

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Thursday, February 23, 2012

Bad Credit Installment Loans - Fabulous Advances To Avail A Debt Free Life

Being a UK civilian are you not capable to attain the obligatory proceed at the most significant time? Are you going through a primary economic complicatedness and cannot achieve funds because of your adverse recitation? Can you afford to get hold of funds at the time of the emergency swiftly; will your relatives help you?

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Frozen Bank Accounts

Bank accounts can store money but can also be frozen. Who can freeze bank accounts and why? Know the answers so you don't become a victim.

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Fashion: Sofia Coppola's Marni/H&M ad has polka dots, a pool

Marni at H&M collection's Sophia Coppola directed film shows polka dots, cocktails and a pool in Marrakech.

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Follow the Advice From Debt Relief Companies

Modern lifestyle is full of comfort yet full of complicacies. With plethora of options to finance your need for various purposes, it may not take long to run in to a debt trap even if you show slightest of callousness.

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Top 3 Reasons Why You Are in Debt Right Now

There is a big debate happening now whether people or companies are the ones responsible for the recent economic crisis. Some experts suggest that banks have gone so wild by giving unrealistic loans with high interest rates to people who will not be able to afford payment even with very minor hardships.

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Wednesday, February 22, 2012

UPDATE 1-Lundin Q4 profit slumps, Aguablanca suspension hits

* Sees FY exploration expenditures at $50 mln

(Adds details)

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Joe Manganiello Covers ?Out? Magazine

Joe Manganiello, one of the stars of HBO‘s True Blood who will be seen later this year in the male stripper film Magic Mike, is featured on the cover and in the pages of the new issue of Out magazine. For his coverstory interview, Joe talks about some of the prep he did for Magic [...]

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Why a Veterinarian Should Make Use of a Vet Wellness Plan

In the current strenuous financial climate, expenses like veterinary bills take unfortunately low priority for many pet owners in dire straits. However, by offering vet wellness plans that allow treatments to be paid for in flexible installments, practices will attract more business as owners will be able to get their pets the help they need.

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Try to Stay Clear of These Places That Offer Personal Loans for People With Bad Credit

This might seem a bit counterintuitive, but if you happen to be struggling with keeping a decent credit score and you happen to see personal loans for people with bad credit advertised, you really would do very well to stay away as far as possible. Of course, those loans aren't going to come with favorable terms. Many people start out applying for these loans hoping that they'll use the money wisely to get out of trouble.

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Here Is How To Buy A Car With Bad Credit

Maybe you have recently experienced a temporary job loss where you were out of work for 6 months. Perhaps you have just gone through a messy divorce and your credit took a beating.

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Tuesday, February 21, 2012

Financial Freedom - Debt Relief - Go Hand In Hand

The only way to get financial freedom is to eliminate all your debt. You can do this by focusing on paying down or off your debt. Start today to become debt free.

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Expert Loan Advice for Your Next Car Purchase

These days there is plenty of loan advice available to consumers. It is a good idea to make use of this expert help to ensure you are making informed decisions about your next car loan.

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Offering Net 30 to Net 60 Payment Terms

Offering payment terms can be challenging when working with small or established businesses. Cash may be king, but it's also tight and makes you grip it a little tighter these days. Waiting 60 days can seem like a lifetime when you have bills that don't seem to get on the same schedule. The situation can be exigent (I just learned this word and thought I'd try it out) when a new potential you're working with seems really promising and then asks for charitable payment terms. A dilemma presents itself as the opportunity to sign the customer and risk a cash flow problem or risk losing the customer's business altogether.

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Miley Cyrus Shows Off Her New Bicep Tattoo

Last July we learned that Miley Cyrus got her 7th 11th tattoo, an equal sign on her finger that is believed to represent equality for all. Today we learn that Miley got her 8th 12th tattoo over the weekend with boyfriend Liam Hemsworth in tow. Altho Liam went with Miley to the tattoo parlour, he [...]

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Monday, February 20, 2012

David Beckham Honored At The 2nd Annual Cartoon Network Hall Of Game Awards

Earlier today we learned that Britney Spears was in attendance at the IOC World Conference On Women And Sport — which is devoted to the advancement of female athletes — and right now we learn that one of our fave male athletes, David Beckham, was in attendance at a different sports award event. Becks and [...]

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The Collection Process

How the collection process works and what tactics they will use to collect. Find out what tools and laws these agencies must follow and how you can get them to stop contacting you about an account.

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GOP Field Not Exactly the Fab Four

Joseph Curl, Washington Times
Mitt, Rick, Ron and Newt. Seriously?There are roughly 158,842,912 Americans 35 and older, making them eligible to run for president. Of the total, 75,637,212 are men — halve that you get 37,818,606 leaning right.So that means that Mitt Romney, Rick Santorum, Ron Paul and Newt Gingrich are the … very … best … four … men out of the nearly 38 million in America to be president. (And women, before you get all, “Yeah!” let’s just note that of your roughly 41 million right-leaning, eligible-aged sisters, you put...

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How to Get Car Finance With Bad Credit

If your credit isn't quite up to par, you don't necessarily have to settle for an old beat up car with tons of miles on it. There are ways you can learn how to get a car finance with bad credit. There are many places online where you can get a car finance loan approved very quickly and easily.

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UPDATE 1-Alibaba to secure loan, eyes HK unit buyout

HONG KONG, Feb 20 (Reuters) - Chinese e-commerce firm
Alibaba Group is set to sign on Monday a $3 billion loan it
plans to use to take private its Hong Kong-listed unit,
Alibaba.com, Thomson Reuters...

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Sunday, February 19, 2012

Conceptual Framework For Financial Accounting

Conceptual framework can be defined as a constitution. It is an organized pattern of interconnected objectives and basic principles. It determines the nature, limits and purpose of financial accounting.

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Made in America Products - Buy Them Now To Support The Country

Today, made in America products are few and far between. It is estimated that nine out of ten items sold in the United States were made here in the 1960s. Currently, more than half are foreign made. How does this impact our country?

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Lessons You Must Learn From the Current Debt Crisis

As the debt crisis continues to dominate overseas, the warning bell is sounding for the U.S. The Europe crisis has still not been sorted out properly, and a lot of astute investors are left wondering what will happen and how things will play out.

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How to Choose an Allied Health Staffing Funding Company

Selling their outstanding invoices to a funding company provides the necessary capital for allied health staffing agencies to grow and compete in the marketplace. With that said, there are many funding companies who are able to factor allied health staffing invoices, so choosing one may seem like a daunting task. But it doesn't have to be that way.

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Things to Consider When Searching for Auto Loans

Auto loans are part of purchasing a new or used vehicle when savings do not cover the amount on the vehicle. Finding an auto loan that fit personal needs requires a few considerations beforehand. When searching for the right loan, keeping some things in mind can narrow down the options and save time in the search.

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Saturday, February 18, 2012

GOP Struggles Fuel Talk of Brokered Convention

Steve Holland, Reuters
Presidential hopeful Mitt Romney's struggles in Michigan are fueling speculation that Republicans might have to resort to a doomsday scenario and launch a frantic search for a 2012 savior at their nominating convention in late August.Rare in the modern age of U.S. politics, a "brokered convention" could result in Republicans ditching their current crop of candidates and turning to someone else who they feel would have a better chance of defeating Democratic President Barack Obama in the November 6 election.

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UPDATE 2-China acts to crank up credit as lending, economy slow

* China cuts required reserve ratio of banks by 50 basis
points

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Pizzeria Mozza + Bianco DiNapoli tomatoes

Pizzeria Mozza and Bianco DiNapoli tomatoes

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Consumers Urged To Look At Possible Missold PPI

The missold Payment Protection Insurance (PPI) scandal has been well documented in the press, but many people may not realise that they too are affected by it. In addition to many consumers being told that buying PPI was vital for credit agreements to go through, a large number of individuals did not even realise that they were buying an insurance product when they took out a loan.

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New York Fashion Week Fall 2012 Review: Ralph Lauren's English remix

Ralph Lauren shows his fall 2012 collection at New York Fashion Week.

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Friday, February 17, 2012

What Factoring Will Do For You

Money is tight at the initial launch of a business. When customers are buying products and services on credit, your money is often locked up between the time you sell your products to your customer and time you receive payment (usually between 30 and 90 days). This is where an invoice factoring company can solve common cash flow problems.

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Why You Need Personal Checks

When we first moved in together, my brother didn't have any personal checks. He worked at a restaurant as a waiter and made good money, often bringing home two hundred dollars a night. When our landlord came to collect the rent, my cousin and I wrote personal checks, and my brother came out with a big wad of hundreds, fifties and twenties, singles, and sixty-seven cents, which was how the rent broke down three ways.

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February NY Fed manufacturing growth highest in 1-1/2 years

NEW YORK (Reuters) - A gauge of manufacturing in New York State picked up in February to its highest level in more than 1-1/2 years, though the pace of new orders slowed, the New York Federal Reserve...

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