Design, December 22, 2013 sections g, h, i by dfavorite

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Henri de Marne

It’s usually best to leave asbestos alone

LANDSCAPING

Hackberry’s worth a second look Subtle bark patterns are intricate and beautiful — especially in winter

We need to re-wrap the heat pipes in our basement. They have old asbestos (-based?) wrap on them. I was told you could encapsulate the pipes using Future Floor Wax to keep the asbestos dust from becoming airborne. We then would re-wrap the pipes. Do we need any certified professional to OK or sign off on the job, or would this be up to code? We do not have thousands of dollars to hire someone for this job.

asbestos insulation on heating pipes among other building materials: “Building materials may contain hazardous materials such as asbestos that, when carried by the air, can be breathed in and cause adverse health effects. If it is suspected asbestos-containing materials are present, they should not be disturbed.” Asbestos-containing materials include the following: boiler pipe insulation. The CPSC recommends encapsulation instead of removal if the pipe insulation is in good shape. The pipes can be wrapped with a special tape. You might be able to find it in hardware stores or purchase it from a specialist in encapsulation if you choose to do the job yourself.

REDUCING ENERGY USAGE

have a small, one-story, Q I22-foot-by-33-foot cabin

is always risky to fully AwallsItinsulate basement block below grade unless you

are sure there is a working foundation drain, the backfill has been done with coarse material and the grade is sloping away from the foundation to move water away from it. It is safe to insulate the foundation down to three feet below grade, thus allowing heat to keep deep frost at bay and avoid cracked walls. This can be done with XPS rigid insulation, which must be covered with 5/8-inch fire-code compliant drywall. The carpet does provide some insulation. Readers can send questions to Henri de Marne at henridemarne@gmavt.net, or to First Aid for the Ailing House, Universal Uclick, 1130 Walnut St., Kansas City, MO 64106.

preferred winter foods for wild turkeys. ELM-ISH QUALITIES

In many respects, hackberry is similar to the American By Lee Reich elm, to which it is related. The Associated Press Although neither plant has ith many trees colorful flowers in the spring and shrubs now or blazing foliage in autumn, bereft of leaves both these bottomland trees and flowers, tolerate diverse soil condimore subtle tions. Hackberry tolerates aspects of the even a greater range of envilandscape come into focus. A ronmental conditions than tree that many people hardly does the elm, laughing off notice captures my full atten- drought, pollution and wind. tion — specifically, its bark. Both trees also are easy to Hackberry bark will not transplant, and grow rapidly. stop you in your tracks as The quality for which the does the dramatic, shiny American elm is most loved, red, peeling bark of paperand which hackberry also bark maple or the ghostly possesses, is form. Both white bark of lacebark pine. grow to become large, vaseHackberry bark possesses a shaped trees, majestic on subtle beauty, subtle even in their own or divine when a subtle landscape. You have planted in rows on either to recognize the bark, then side of an avenue, over which stop and really look at it. their upper branches meet to Hackberry bark is at form a natural cathedral. its best on a clear wintry PESTS? NOT TO WORRY day when no leafy canopy obstructs the sun, and when American elm gets Dutch the sun is low enough to elm disease, which has glance sideways off the gray decimated the species as a bark’s arranged ridges. Take landscape plant. Hackberry, a look at the way the bark’s besides having attractive bark corky ridges create crisp and tasty fruits, is immune to areas of light and shadow Dutch elm disease. evocative of those sharp, achHackberry is prone to a romatic photographs of the couple of diseases, notably lunar landscape. nipple-gall on the leaves and witches’ broom on branches HACKBERRY’S APPEAL and twigs. These afflictions GOES BEYOND ITS BARK cause some disfigurement, Hackberry also is worth but not the death of the plant. attention in other seasons. I’m not suggesting plantIt bears a delectable fruit ing hackberries now in the that tastes like a date. way American elms were Unfortunately, the fruit is planted in the 19th century, only the size of a large pea up and down every street and much of it is pit. Still it’s and in every park. Such worth a nibble. planting, especially if it were Birds also appreciate the just a single hackberry varifruits. Birds that feed on ety — Windy City or Prairie hackberries include cedar Pride, for instance — would waxwings, mockingbirds, invite disaster. A disease that American robins, bluebirds, found fertile ground could yellow-bellied sapsuckers, run rampant and denude the northern flickers and quail. landscape. The berries continue to hang I do suggest that you keep from the branches well into an eye out for hackberry winter. They are among the trees and admire them.

is an excerpt from ASafetyHere the Consumer Product Commission regarding

in southern Vermont. It has a partial English walkout basement, one-bedroom apartment, separate entrance from the first floor and a 61/2-foot ceiling. The basement is lived in full time during the winter, and the upstairs is used occasionally on weekends. The basement walls are uninsulated 8-inch cinder block with about 31/2 feet above ground on 21/2 sides. The basement ceiling joists/footer edges have 6 inches of closed-cell insulation. I have propane forced air heat with the same ducts and furnace serving upstairs and the basement with two thermostat controls. In the winter, we typically keep the upstairs floor ducts closed. The upstairs stays at 72 degrees via the floor radiance, even though the upstairs thermostat is set at 60. The downstairs thermostat usually is at 69 degrees. Do you have any ideas on how to keep more heat in the basement and to reduce heat transference to the upstairs when there is no call, thereby reducing overall energy use?

4600930-01

The corky ridges of the hackberry’s bark have a subtle beauty, with crisp areas of light and shadow evocative of photographs of the lunar landscape, in New Paltz, New York. (AP)

HOUSE OF THE WEEK

Everyday living made better in practical home

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Details matter, and this home, plan HOTW130040, gets them right. For example, check out the practical zone on the way in from the three-car garage: a powder bath (for last-minute trips before leaving the house), a bench (for taking off shoes) and a walk-in closet (for coats and boots) will make everyday living easier. The whole family will gather in the open great room, at the island kitchen or in the bright morning nook. A study gives space to work from home. Upstairs, the master suite gives you room where you want it: the shower. Two sinks in the hall bath simplify morning routines. DETAILS

Bedrooms: 4 Baths: 21/2 Main level: 1,412 square feet

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To build this home, you can order a complete set of construction documents by calling toll-free 866-7721013 or visiting ePlans.com/ HouseOfTheWeek. Enter the design number to locate the plan and view more images and details. At ePlans.com/ HouseOfTheWeek, you can view previously featured plans, browse other specialty collections or use the search filters to help you find exactly what you want from more than 28,000 home designs. Most plans can be customized to suit your lifestyle.

The wide front porch provides a graceful introduction to the home. A highlight of the modern, practical layout is the terriﬁc laundry and storage zone on the way in from the garage. See more images of the plan online at ePlans.com/HouseOfTheWeek. (Courtesy/ePlans.com)

G2 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Homes

At left, a display features family holiday photos and a snippet of the song “Have Yourself a Merry Little Christmas.” Small plastic clips make it easy to arrange and display a large number of photos without frames. Above, instead of huddling around a photo album, put your pictures on display by turning them into holiday decorations, like this pillow decorated for the holidays. (AP)

Song lyrics, photos combine for holiday decor Unexpected way to showcase favorite photos can turn albums into great gifts

WALL GRID

Materials: • 21 4-by-4-inch photos • photo clips (mine were called “fotoclips,” purchased from photojojo.com) By Holly Ramer • 1 sheet of card stock The Associated Press Instructions: he holidays are a great time to pull out Use word processing or photo editing softthe old photos and reminisce, but there’s ware to create an 8.25-inch square. Fill with no need to huddle around a dusty album. red or the color of your choice. Add white text There are a variety of ways to get them that reads “through the years we all will be out in the open by making them part of your together.” Print and trim to size. holiday decorations. Arrange photos in a 5-by-5 grid, with the And once you’ve gone through the trouble of text box positioned in the lower right-hand scanning and reprinting originals, it’s easy to corner, one row and column in from the edge. make duplicates that can be turned into gifts Use the clips to attach the pictures to each for family members. other. Make a bold, modern statement by printing Hang on wall, using double-stick tape or 4-inch-square photos, connecting them with other adhesive. small plastic clips in a grid shape and hanging PHOTO WREATH it on the wall. A large square is striking, but the clips allow for endless possibilities. Materials: For a more traditional look, arrange the • 12 or more 4-by-4-inch photos photographs in a circle and stick them on • large piece of cardboard, at least 16 incha cardboard ring to create a photo wreath. es square. Leave it plain, or decorate with a few sprigs of • craft knife faux holly tucked among the pictures. • double-stick tape Take the photos off the wall by having them • faux holly or other greenery (optional) printed on a sofa throw pillow. This project Instructions: takes a bit more work because it involves Use word processing or photo editing softprinting on fabric, but the result is an unexware to create a 4-by-4-inch square, filled with pected way to showcase favorite family photos. red. Add white text that reads “through the All three projects below are built around years we all will be together.” Print and trim a snippet of the classic song “Have Yourself to size. a Merry Little Christmas.” Incorporating Cut a 16-inch circle out of cardboard. Cut the phrase “through the years we all will be another circle in the middle to create a ring together” in each project adds a bit of color that is approximately 3 inches wide. and ties together pictures that span many Arrange pictures around the ring, including years. the text box. Try to keep them in a circular

Printing black and white pictures on fabric makes for an unexpected way to display a collection of old family favorites.

shape, while avoiding overlapping key parts of any image. Once the pictures are in position, carefully tape them to the ring and to each other. Add decorations if desired. PILLOW

Materials: • 15 scanned photos, each 3.5-by-3.5 inches • 4 sheets of printable fabric • 14-inch-square pillow insert • fabric for pillow back Instructions: Use word processing or photo editing software to create a collage of photos in a

4-by-4 grid. Make one of the squares a solid box, filled with red, with the text “through the years we all will be together” in white. You can position the text box wherever you like; I put mine in the third row and third column. Since the pillow front is larger than the sheets of printable fabric paper, you’ll need to divide your collage into four quadrants and print one per sheet of fabric. Follow the instructions on the fabric sheets to make sure you use the best settings for your printer. Trim each printed quadrant, leaving a quarter-inch border around all four sides. Leaving the paper backing on the fabric sheets will make it easier to cut and line up the fabric for sewing. Sew the top two quadrants together, carefully lining up the edges. Use a seam allowance that is just a hair wider than a quarter inch to make sure you are sewing right along the edge of the pictures and not on the white border. Repeat with bottom two quadrants. Sew the top two quadrants to the bottom two quadrants to complete the square, and then peel off the paper backing from the fabric. Press seam allowances open. Cut two rectangles of fabric for pillow back, each 14-by-9 inches. Fold over one of the long edges on each piece by 1/4 inch and then again by 1/2 inch to enclose the raw edge; sew along the long edge. Lay the backing pieces flat, with the wrong side of the fabric facing down and the pieces overlapped to make a 14-inch square. Lay the pillow top over the backing, right side down, and pin around the edges. Sew around the entire pillow with a quarter-inch seam. Turn right side out and insert pillow form.

PORTLAND, ORE.

Looming large: Parents ﬁnd a craft craze to like By Melissa Rayworth

The Associated Press

Cooper Volkman is 8 years old and full of energy. While his 10-year-old sister sits down easily to focus on projects, Cooper tends to be perpetually in motion. Lately, though, it’s been different. In the evenings, when his mom, Lori, makes dinner at home in the suburbs outside Portland, Ore., Cooper is absorbed by a new hobby: making bracelets and other objects out of tiny, colorful rubber bands. It’s the first craft project that has captured his attention. And his mother says it’s helping him marshal the kind of focus and planning skills previously shown only by his big sister. The current craze for kids

— Rainbow Loom bands and their many knockoffs — has been surprising parents and child development experts since it broke out last summer and fall: In a market glutted with crafts marketed to girls, loom bands are the rare gender-neutral hobby that appeals to boys, too. Why are they so popular? OPEN TO EVERYONE

Tricia Ross’ 8-year-old son avoids playing with any of his older sisters’ toys. But he and many of his male classmates in Charlottesville, Va., have seized on loom bands. “There’s a sense of accomplishment” that comes with finishing a bracelet, Tricia Ross says, and it’s enough to inspire her son to “sit there until it’s

complete.” He’s begun taking orders for bracelets from his younger sister, cranking them out in the styles and color schemes she requests. Ross and Volkman find that while many craft products are packaged in pink boxes emblazoned with pictures of smiling girls, the gender-neutral packaging of loom band products make them more boy-friendly. It also helps, Volkman thinks, that they use rubber bands rather than fluffy yarn or delicate materials. GOOD FIT FOR DEVELOPMENT

Loom bands are popular among kids age 7 to 12, a key time for developing many of the skills that weaving crafts can teach. “Right around age 7, you

see fine motor skills taking off,” says Cynthia Edwards, professor of psychology at Meredith College in Raleigh, N.C. “Anything that helps them to use those hands together, left and right, helps to develop those areas of the brain and the muscles themselves. “ Kids in this age group are also developing “executive function,” the ability to plan and execute tasks, Edwards says. With loom band weaving, kids must choose what to create, pick a color scheme and style of weaving, gather the materials and then do the necessary weaving steps in the right order. Shauna Jones has seen her 9-year-old son, Jordan, put effort into loom bands that he doesn’t put into much else. “If

he can’t find his loom,” Jones says, “he will make them with his hands.” CREATING AND SHARING

Loom bands can be woven into just about any shape, especially with the help of step-by-step videos available at YouTube.com. Edwards says the experience of “social comparison” is another key stage of development for kids this age: “Feeling like you can do something that’s at least as good as your peers if not better than your peers,” she says, leaves kids feeling competent and connected with others. So, yes, it’s a fad. And yes, parents all over the country are getting tired of finding tiny rubber bands on their floors

In this Dec. 7 photo, Cooper Volkman wears loom band bracelets that he made. (AP)

and in their washing machines. But few are really complaining. “I can have a collection or I can trade them at school,” says Cooper Volkman. And his mom can get dinner made with a minimum of chaos.

KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / G3

Homes GRAND RAPIDS

Condo offers sample of downtown’s lush life HIGH-END HOMES Jim m Harger rger

jharger ger ive.com @mlive.com

iving in a downtown condominium puts you within walking distance of restaurants, theaters, concerts, sports events and a developing retail scene. For those who want to try before they buy, this two-bedroom unit in The Fitzgerald can be rented for $2,700 a month after Jan. 1. The owner is taking a new job in the Chicago area and has listed it with Brian DeSmit of the Apex Realty Group.

While two condos in The Fitzgerald are for sale, this two-bedroom rental opportunity is a rare, albeit pricey, opportunity to try the downtown lifestyle away from the party crowd found at other downtown rentals. Not too big and not too small, this sixth-floor condominium was one of the original models built when The Fitzgerald was developed in the building that was built as the downtown YMCA in 1915. Second Story Properties bought the nine-story building after the YMCA moved in 2005 and converted it into 39-unit condo project. After surviving the housing market recession, The Fitzgerald now is one of downtown’s premier luxury addresses. This unit offers 11 6-foothigh windows that overlook Veterans Park, Civic Theatre,

The Fitzgerald was developed out of the former downtown YMCA.

Shown is the living area inside a two-bedroom condo at The Fitzgerald, 27 Library St. NE, in downtown Grand Rapids. This unit is listed for rent at $2,700 a month. (Cory Morse/MLive.com)

The light-ﬁlled master suite has its own balcony, a walk-in closet, and a bathroom with a glass walk-in shower and granite-topped vanity with two sinks.

the downtown skyline and the back of Fountain Street Church. Also nearby are the Grand Rapids Public

Library and Grand Rapids Community College. Two doorways from the living room and master bed-

The laundry room features a no-vent clothes dryer and high-efﬁciency washer.

ceilings. While the decor is traditional, the light fixtures are contemporary. The unit also includes a light-filled master suite whose bath includes a glass walk-in shower, and granite-topped vanity with two sinks. The suite also includes a walk-in closet. The second bedroom is smaller, as is the bathroom and laundry room, which feature storage cabinets for linen and a no-vent clothes dryer and high-efficiency washer. Common areas include an elegant library and gathering The balcony offers a view of Civic Theatre on the left. area next to the lobby, a gymnasium and workout room room lead to balconies that The condo is trimmed in a and a large rooftop garden. overlook the parking lot at dark hardwood flooring and This unit also includes two Division Avenue and Library cabinetry. A long granitedeeded parking spaces, one Street NE. Despite the bustle topped island and countertops of which is beneath the old outside, the location and thick delineate the kitchen area running track and scoreboard walls keep the unit quiet and from the dining area and that once overlooked the peaceful. great room with 9-foot YMCA’s basketball court.

Handmade holiday ornament comes together quickly ART & CRAFT Jennifer Ackerman Ackerma H ywood Ha Haywood

jennifer@ craftsa craftsanity .com

he holiday countdown clock is running fast, leaving us with only a couple more days to make holiday gifts. Last year, I would have insisted we all secure our sweatbands because it’s “Go Time” — but I’m learning that I don’t have to treat crafting like a road race, and that it’s OK to slow down in the days leading up to the holiday. What? Slow down? Have I lost my deadline crafting mind? No, actually, this is me fighting to hold onto what little craft sanity I seem to have left. After years of pulling allnighters for days leading up to Christmas, I’m starting to wise up and realize that I will never get to enjoy the holidays if I arrive to every party feeling like a zombie. Two and half hours away, my mother is drinking coffee and smiling knowingly. She has been hoping I would embrace the concept of sleep for 37 years now. (Maybe I’ll use a copy of this column to wrap her gift.) Before I turn over a new handmade holiday leaf, I must confess I stayed up way too late working on a hexagon stocking project only to realize four hours into the project

This smocked felt globe ornament is stitched ﬁrst by machine, then is ﬁnished by hand. Do the machine sewing ahead and save the hand stitching for the long drive to an out-of-town holiday party. (Jennifer Ackerman-Haywood/MLive.com) Jennifer used the Big Shot by Sizzix and the Circles #2 die to cut the felt circles, but you can use a household good to trace circles onto the felt.

that it would be very unkind of me to suggest that you, dear readers, stay up all night to make one before Tuesday. So I finished my stocking, went to bed for a bit and woke up early with bags under my eyes, wild hair and a much more realistic outlook. So instead of a five-hour project, I’m going to share a 15 to 20 minute project. No need to thank me. This was a bit

of a self-help maneuver. When I’m at a crafty loss and need to regroup, I often pull out my die cut machine and cut circles. I know. It sounds a little weird, but it could be much worse, and no one ever got arrested for cutting out felt circles. And my recent circle cutting session gave me a wonderful opportunity to test drive the new turquoise Sizzix Big Shot

die cut machine the company sent me to try out. The new machine is prettier and smoother to operate than my old red-and-white Big Kick machine that still works after many years of use. So, I cut out a bunch of circles before sitting down to write and decided to make a sewing machine version of a felt globe ornament I spotted online. The tutorials I’ve seen direct crafters to complete the whole ornament by hand, but I was suffering from a craft hangover and looking for the most efficient way to make some ornaments that I could finish in the car on the way to suburban Detroit. Read on for instructions to make the ornaments I will be whipping up on the way to my parent’s house this year. SMOCKED FELT GLOBE ORNAMENT

Supplies: •Drinking glass to trace (I used the Sizzix Big Shot die cut machine and the Circles #2 die, but this is not required to do this project.) •Six 21/2-inch-diameter craft felt circles (three white, three red) •Crochet cotton of yarn for the ornament hanger •White sewing thread •Hand sewing needle •Sewing machine (for the first part) Steps: 1. Cut out your circles. Stack two red circles in one pile and two white circles in another pile.

2. Machine sew down the middle of each stack of two, then refold each stack to hide the seam. 3. Place the white circle you didn’t sew down on your work surface, then place the joined red circles on top, followed by the joined white circles, then the single red circle. Make sure the seams on the red and white circle are lined up vertically. 4. Hold this felt sandwich together and machine sew down the center of the stack following the seam lines you used to sew the red and white circles together. 5. Now, you’re ready to finish the ornament by hand. Using white sewing thread and a small needle, whipstitch each folded circle to itself at the midpoint of the globe. Do this for each color all the way around the globe, making small knots to secure. You will need to do this six times. 6. Next, whipstich each color to its neighbor at the midpoint between the middle stitch you just made and the top and bottom of the globe. You will need to make six stitches around the top and six more around the bottom to create this smocked affect. Note: You can machine sew a bunch of these at one time, then pack them in your bag as a take-along project. This is a great use for inexpensive craft felt, and the finished ornaments make for excellent package toppers. And if you’re lucky enough to spend the holidays with crafters, bring along extra

IF YOU GO

CRAFT WITH THE COLUMNIST Craft away the winter blues with Jennifer Ackerman-Haywood at one of the free upcoming KDL workshops listed below. Space is limited, so please call to register. Visit kdl.org/events or call 616-784-2007 and press zero. PRINTMAKING 101 FOR ADULTS Where: Rockford Branch, 140 E. Bridge St., Rockford When: 6:30 p.m. Jan. 13 PRINTMAKING 101 FOR TEENS Where: 3350 Michael Ave. SW, Wyoming When: 4:30 pm. Jan. 14 at the Wyoming branch ENGLISH PAPER PIECING FOR ADULTS Where: Alto Branch, 6071 Linﬁeld Ave., Alto When: 10:30 a.m., Jan. 25

needles and thread and let them stitch their own at the party. So, there you have it, a reasonable last-minute holiday project. And I have to say that it feels good to slow down a bit. Happy holidays! Send story ideas to Jennifer Ackerman-Haywood at P.O. Box 888192, Grand Rapids, MI 49588. Read Jennifer’s blog and check out CraftSanity Magazine available for download at craftsanity.com.

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BUSINESS OKEMOS MI based Anselmo Gallery is for sale! Unique 60 year old art collection of Framed Art, Crystal, wood sculptures & much more! Entire store or individual pieces. Visit our website www.anselmogallery.com & call to make appointment! (517) 332-7777.

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Kalamazoo

2624 Ramblewood Dr MLS # 13031682 Bedrooms: 5 Baths: 4 $289,900

By Appt. 5 bedooms, 3.5 baths, over 3600 finished sq ft. Formal DR & LR w/hickory hard wood fls, eat-in kitchen w/pantry & all appliances stay, mud room & half bath, huge master suite w/fireplace, walk in closet & bath. Full finished walk out, 3 car garage on .75 acre wooded lot. Host:Pat O’Brien.

Mattawan

8056 Barony Pt MLS # 13022051 Bedrooms: Baths: $159,900

By Appt. Spectacular and exclusive! This highly prized lake front, walk out building site, is in the luxury development of Barrington Shores. This gorgeous one acre lot has 250 feet of lake frontage on Duck lake. Barrington Shores is a 175 acre community, on a private natural lake. Mattawan School District.

WHAT

TIME TIME DOES THE THE DOES MOVIE MOVIE START? START?

Scotts

7146 N Indian Lake Dr. MLS # 13043543 Bedrooms: Baths: $135,000

By Appt. Build your dream home on this wonderful 100 foot lot on Indian Lake! Great, sandy, sloping beach opens up to a mostly private lake. Indian Lake covers approximately 758 acres and is about 75ft deep. Wonderful lake for swimming, boating, and ﬁshing. Land contract terms available.

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Vicksburg

Your home. By all means. mobile.mlive.com

3561 E Y Ave. MLS # 13057919 Bedrooms: Baths: $650,000

By Appt. This incredibly unique & magniﬁcent land offers a 34 acre elongated island with over a mile of frontage on two navigable bodies of water, Kimble Lake (private) and Portage Creek. Portage Creek allows easy access to both Barton & Portage Lake. There is a 3 bedroom ranch home seated off the island which boasts breathtaking views of this rolling paradise.

Kalamazoo

10464 Q Ave MLS # 12021512 Bedrooms: Baths: $79,900

By Appt. A fantastic 12.36 acre parcel to build your Dream Estate on. This parcel is in Texas township and in the Mattawan school district. There are two tax Id’s for this parcel: 09-19-201-040 and 09-19-201-050. This parcel is being sold As Is.

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$134,900 1359 Pinehurst Blvd

OPEN 1:00 PM-3:00 PM G Ave. to Mt Olivet, north to Rollridge. East to E. Brenda, north. Home on east side. Great ranch in great neighborhood! Recently listed & move-in ready for new buyers. 3 beds, 2 baths, many updates-roof, siding...Bright Sunroom, 2 fireplaces, brick front, part finished basement, custom cabinets in remodeled kitchen. 13063417 Hostess Holly Hollett, 370-7579

5464 Cypress Bay Drive

ARGONDELIS BLDRS LLC

New Home

• Main Floor Den • Maximum Window Space • Volume Ceilings • Outstanding Craftsman Trim and Appoinments • Daylight Level ---- 5th Bedroom, 19 x 19 Rec Room, Flex Room, Full Bath

Competitive Value: $399,900

Host Tim Cashen, 271-3397

$129,329 1927 Miles

OPEN 12:30 PM-2:30 PM Nichols to Alamo to Pinehurst Screened front porch welcomes you home. Large LR which features arched entryways. Remodeled KT has ample counter/cabinet space & tile flooring. Spacious master BR highlights the 4 Brs. Finished LL has a FR & 4th bedroom w/ egress window. Numerous upgrades include roof, windows & flooring 13068202 Hostess Sue Kloth, 269-207-6392

VICKSBURG

$99,900 3826 Alamo

OPEN 1:00 PM-3:00 PM S on Portage Rd,E on Miles,home on the L Curb appeal & updated starting w fresh pt.2013 refinished HW FLRS,remodeled KT including tile, countertops,& amenities. redone BT new, tile,vanity,fixtures,&shower.2012 insulated double stall garage. fenced in backyard w fenced garden. New RF in 2011.New driveway w exposed aggregate. 13059984 Hostess Christie Kelly, 269-830-8337

WESTWOOD CONSTRUCTION

OPEN 12:00 PM-1:30 PM Portage Rd South to V W Ave E. East on V W to Green Prairie South to Home Well maintained ranch home with 3 bedrooms and 2 full baths. Pride of ownership shows with new paint, new carpet and fixtures. Very open floor plan with cathedral ceilings, main floor laundry, fireplace, nicely landscaped yard with large deck. 13040331 Host Fred Taber, 806-6829

$94,500 8435 Silverado Ln

$180,000

OPEN 12:30 PM-2:30 PM W Main to Turwill N to Alamo Well maintained ranch home in the heart of Westwood. Inviting LR w/ hardwood floors welcomes you home. Good sized mstr BR highlights the 3 Brs. Finished bsmnt offers rec/family & ample storage. Updates include new roof, siding, water sftnr, water heater & replacement windows. 13065826 Host Kevan Hess, 269-998-2482

OPEN 3:30 PM-5:30 PM From Gull Rd head W on East DE, R on Foxwood, L on SilveradoOpen floor plan features a gorgeous 3-way stone fireplace in the vaulted great room, which then opens to the large kitchen and eating area. There is excellent cabinet and counter space in the kitchen, and all kitchen appliances remain with the home.13065786 Hostess Holly Hollett, 269-370-7579

ROBERTS BUILT HOMES Texas Heightt s # 9

New Homes Available in Autumn Woods, Woodside Hills, Swan Bluff and the Orchards

9868 Shepherd, Kalamazoo

Approx 4000 Sq Ft • 5 Bedrooms ---- 3.5 Baths

OPEN 12:30 PM-2:30 PM West on Romence to South on Leawood. 7297 Leawood on your left. Wonderful AVB built home nestled in the heart of Portage. 1834 sq.ft. 3br/3ba. Large master suite, walk in closet, vaulted ceilings. Soft, new carpet highlights the main level. Portage Schools: Moorsbridge/West/Northern. 13061188 Host Jay Linebaugh, 269-806-9578

WESTWOOD

GALESBURG Host Mark Brown, 269-209-5255

OPEN 12:30 PM-2:30 PM G Ave e to 33rd s to Daylilly e to Buttercup N Great House/ Location! 4 br 2 1/2 bath Two story w/o over 2400 finished w 1000 unfin. Open fl/pl kitchen flows to fr w.gas fp. Large master suite. Beautiful porch/rear deck 13068483

OPEN 12:30 PM-2:30 PM Sprinkle to H Ave, E to Hunters Run, S to Hunters Down Fantastic custom built 3BR ranch walkout that is sure to impress! Open flr plan w/ volume ceilings; gourmet kit w/ built-in dbl ovens plus tons of cabinet & counter space; MSTR suite w/ pvt balcony; finished walkout level; virtually maint free ext plus so much more. 13023760 Host Rick Crepas, 269-207-1725

$184,900 13686 Green Prairie St $179,900

RICHLAND TOWNSHIP

$178,000 5729 East Brenda Ln

OPEN 12:30 PM-2:00 PM I-94 to 35th St north. East on M-96 then north on 37th St. Galesburg, 5 bedroom 3 bath walkout ranch. Nice size living rm, eat in kitchen with breakfast bar. 3 bedrooms on main floor 4 car garage. Close to Galesburg High school. 13067550

PLEASANT MEADOWS

OPEN 3:00 PM-5:00 PM Q Ave to Barony Point, S to Wyndwood, W Exceptional 5BR home in spectacular Barrington Shores! Wonderful floor plan and a great setting highlight this quality home. From the beautiful Master Suite, fabulous gourmet kitchen to the neighborhood pool, clubhouse and walking trails, you will love to call this HOME! 13041050 Host Rick Crepas, 269-207-1725

PARCHMENT

2004 North 37th St

$225,000 7297 Leawood St

MILWOOD

OPEN 1:00 PM-3:00 PM Portage Rd S of Centre to Burt to Austin Dr S Gorgeous, custom built home on Austin Lake. Open floor plan offers over 4600sqft of living space. Hardwood floors throughout.2 main floor master suite walkouts highlight the 5 Brs. Incredible finished LL walkout offers living room, home gym/sauna & wet bar w/ granite counters 13056401 Host Jim Hess, 269-207-4135

$370,000 4303 Buttercup

HUNTER RUN

BARRINGTON SHORES

$485,000 6628 Hunters Down

WESTWOOD

$980,329 8565 Wyndwood Pt

AUSTIN LAKE

9245 Austin Dr

ROLLING MEADOWS

Portage: 269.381.7653 • Kalamazoo: 269.341.4300 • Battle Creek: 269.704.1000 • Plainwell: 269.685.6858 • South Haven: 269.637.6537 • Relocation: 269.226.2994

Over 3,800 sq. ft. of finished living space

• 5 bedrooms & 5 baths • Gourmet kitchen

Kathleen Kinnisten +#,4'0+73 (+*3 !+6

• Finished lower level walk out • Main floor master

269.998.5260 kkinnisten@jaquarealtors.com

Dir: 12 St to Heathrow, W to Hunters Ridge, N to Cypress Bay

www.robertsbuilthomes.com

• Quality built new construction • Most selections still available • Home is in drywall stage

For an appointment and additional information call:

+-)$2.& "215/ %6

Now Open - Lots Available

• Over 4,316 square feet Directions: West on Centre to 3rd North to P Ave west to the Orchards North to home.

Offered at: $449,900

• Huge lot

Offered at: $469,000

Contact me to schedule an appointment or for more information:

Westwood Allen Louks,Construction REALTOR® 269.370.8555

7 8 0 9 Bowers Harbor A v e

| alouks@jaquarealtors.com

Mattawan Schools 5 bedrooms & 4.5 baths Granite tops/Hardwood floors Great room w/ stone fireplace $5,000 appliance package Three car garage Jetted tub and tile shower Finished walkout level Hydro seeded lot

Call to schedule an appointment or for more information

Suzanne McPeek Jennifer Boehringer

Resource!

Online Open House

• • • • • • • • •

269.341.1699 smcpeek@jaquarealtors.com 269.352.5856 jboehringer@jaquarealtors.com

jaquarealtors.com

Visit jaquarealtors.com to generate a turn-by-turn driving route with searchable property results Quick and Easy Navigation • Detailed Mapping and Routing Feature • Innovative Online Resource

G6 / KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013

✤ Fully Updated Apartments ✤ A/C Units ✤ Microwaves ✤ On Site Laundry ✤ On City Bus Line ✤ Heat / Water/Sewer/Trash incl. ✤ Pet Friendly

HOMES UNFURNISHED

CONDOS & TOWNHOMES

HOMES UNFURNISHED

- Duplex - 3 KALAMAZOOClassy condo KALAMAZOO SCHOOLS ~ N WASHINGTON Kendall; 3 bedroom, 1 bath; bedroom, 1 bath $590+ uitls. for lease or sale! Oakwood Ranch; 2 car gar; Avail imm- South of downtown off Port- shopping area, overlooking ed; $1,000 + utils. Contact age Rd. Basement. AIM Corp Woods Lake. Updated 2 bdrm, 2 bth, + office. Marble counJaqua Realtors Rental Div @ 269-344-5378 ters & fireplace. Hardwood 269-226-2996 or view online floors + tile + carpets + other @ www.jaquarealtors.com. features. 269-370-3962

REAL ESTATE FOR RENT All real estate advertising in this newspaper is subject to the Federal Fair Housing Amendments Act, the Michigan Civil Rights Act, and the Grand Rapids Municipal Code which make it illegal to advertise any preference, limitations or discrimination based on race, color, religion, sex, national origin, handicap, familial status, age, marital status, source of lawful income or public assistance recipient status, or an intention to make any such preference, limitation or discrimination. Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. To report discrimination, call the Office of Fair Housing and Equal Opportunity of the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777. The HUD TTY telephone number for the hearing impaired is 1-212-708-1455.

APARTMENT FURNISHED KENSINGTON PLACE 2 bedrms from $750. 269-345-5579

APARTMENT UNFURNISHED AUGUSTA - Heather Ridge 1 & 2 BR, 660 & 880 sq.ft. $525 & $595. Gas heat 344-8686

ENIOR PORTAGE2 bdrm, 1 bath, ranch style apartment. Near Crossroads Mall, single level, KALAMAZOO SCHOOLS ~ W full bsmt, includes washer & ON Ave.; 3 bedroom, 1.5 bath; CHEROKEE WESTLAWN APTS UT F OWN dryer, nice well lit kitchen Brick Ranch; 2 car gar; FP; Retirement Community Rents starting at $565. 349-4596 with walk-out patio, Full basement; Avail immed; $1250 + utils. Contact Jaqua HOLIDAY, FL - Totally fur$655/mo. + utilities. Well nished, 2 bdrm, 2 bth, availamaintained, great cond. No Realtors Rental Div @ 269226-2996 or view online @ ble all season. (269) 806-2835 pets, Call (269) 207-3763 www.jaquarealtors.com. P O R T A G E - Scenic wooded setting, 2 bedrm. w/gar, washer/dryer hookup. $575$630 +dep. & util. Business PORTAGE - Cute, remodeled 3 bdrm., 2.5 car garage, fenced Property Mgmt. 327-7436 mlive.com yard, air, dishwasher & more! mlive.com/jobs P O R T A G E - Upper 2 bedrm $825/mo. Call (269) 207-4716 w/free heat & carport. $495. Converse Mgmt 343-7750

O O T

Your local news. By all means.

RIVERVIEW CO-OP 3-4 bdrm units. Call on avail. 269-349-6631 Sec. 8 accepted. EHO.

C O M S T O C K - Upper 2 bedrm w/free heat and air. $495. Converse Mgmt 343-7750

Income Based Rent

V I C K S B U R G - 1,2,&3 bdrm units. $475-675. Converse Mgmt 343-7750

HOMES UNFURNISHED CHERRY KNOLL CONDO - 2 bdrm, laundry, C/A, private courtyard, gar. $725. Converse Mgmt 343-7750"

• Rent based on Income • ALL Utilities included • AC Units • On-City Busline • Extra Closet Space • 24hr Emergency Maintenance

EAST SIDE - Cute remodeled, 2 bdrm., garage, laundry, fenced yard, quiet street. $645/mo. (269) 353-8115

FOX RIDGE

GULL LAKE SCHOOLS ~ Delmar Ave.; Lake views; 3 bedroom, 2.5 bath; Ranch; 2 car gar; fireplace; fin basement; no pets; Avail 01/01/14; $2700 + utils. Contact Jaqua Realtors Rental Div @ 269226-2996 or view online @ www.jaquarealtors.com.

A PA R T M E N T S

LAKE SCHOOLS ~ GULL RD AREA - Main level 2 GULL bedrm w/free heat. $510. Idlewild; Lakefront; Furnished; 3 bedroom, 2 bath; Brick Converse Mgmt 343-7750 Ranch; 2 car gar; Avail2 weeks after approved applicaGULL VIEW tion; $2500 + utils. Contact APARTMENTS Jaqua Realtors Rental Div @ 2 bdrm, $560/mo, no pets, 269-226-2996 or view online (269) 344-1507 @ www.jaquarealtors.com. HOMECREST - Milwood area, KA LA M A ZO O - For rent 1901 1 bedroom, 1 bath $455 + ele. Dorchester, 4 bdrm 2 full bath Heat Included, A/C, Coin laun- mature area. pets ok, private dry. AIM Corp 269-344-5378 fenced back yard, appliances included, immediate availabilKENSINGTON PLACE ity, $1,300. (269) 330-1675

• Renovated 1 & 2 bedrm KALAMAZOO SCHOOLS ~ • $485-$675/month Bronson Blvd.; 4 bedroom, 1.5 269-345-5579

EQUAL HOUSING

OPPORTUNITY

1320 Fox Ridge Dr. • 381-5691 • TDY#800-649-3777 HOURS: Monday - Friday 8:00 a.m.-5:00 p.m. w w w. f o x r i d g e a p t . c o m

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✤ On Site Management & Maintenance ✤ Medical Emergency Cords ✤ 24-Hour Emergency Maintenance

62 Handicapped/Disabled •

269-343-3973

Mon.-Fri. 8am-5pm • 1004 Douglas Ave. , Kalamazoo www.northwind-hilltop.com • TDY#800-649-3777

S C H O O L C R A F T Lg 1000 sq. ft., 2 bdrm, laundry, no pets $675+ utilities 269-427-7361

YULE LOVE OUR APARTMENTS

Cooper’s Landing APARTMENTS

ONE BEDROOM ??? ONE BEDROOM WITH LOFT ??? TWO BEDROOM $784 TWO BEDROOM WITH LOFT $854 THREE BEDROOM $1054 SEVERAL FLOOR PLANS TO CHOOSE FROM

DOUGLAS - Near Ravine, LAKE SCHOOLS ~ clean bright 1 bedroom, 1 GULL bath on main floor, W&D Geiser Grove; 2 story; 3 bdrm, 2 bath; 2 car gar; Lrg Kitchen; $490 Includes Utils. AIM Corp fenced yard; community pool; 269-344-5378. full basement; pet nego; Avail E A S T W O O D - Upper 2 bedrm immed; $1500 + utils. Contact w/free heat, air, site laundry. Jaqua Realtors Rental Div @ $550. Converse Mgmt 343- 269-226-2996 or view online @ www.jaquarealtors.com. 7750

LANE BLVD Lower 1 bdrm duplex w/shared laundry. $425. Converse Mgmt 343-7750

( With Deposit & Size Restrictions)

• 6 2 & O v e r o r U n der

1, 2 and 3 b bedrooms

RAVINE APARTMENTS - Spacious, pet friendly 1,2,3 bds w/free heat, water, trash Call for specials! 269-349-5131

CHESTNUT HILLS -Stadium E A S T W O O D - 2 bdrm Dr. Starting at $530 372-1088 w/garage. $650. Converse www.chestnuthillsapts.com Mgmt 343-7750 COMSTOCK TOWER - 55 & older. Handicap access. 3815888 TDD 800-649-3777 EHO

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Oakland Drive Apartments in the Heart of Portage.

bath; 2 Story; 3 car detached gar; basement; Avail immed; $1750 + utils. Contact Jaqua Realtors Rental Div @ 269226-2996 or view online @ www.jaquarealtors.com.

PINEWOOD GLEN Kalamazoo SPRUCE CREEK Portage

KALAMAZOO SCHOOLS ~ Horizon Heights; 3 acres; Stables; 4 bdrm, 3 full/2 half bath; Quad-Level; 3 car gar; Avail 30 days after approved application; $2,400 + utils. Contact Jaqua Realtors RentVariety of floor plans on 1 & 2 al Div @ 269-226-2996 or view bdrms, 6 & 12 month leases online @ • Stackable washer & dryer www.jaquarealtors.com. • Central Air • Secluded locations KALAMAZOO SCHOOLS ~ • Extra large windows Morgan; 4 bdrm, 1 bath; Cape • Carports • Cats welcome Cod; gar; bsmt; Avail • Meticulous grounds • Pool 01/05/14; $1000 + utils. Con344-8686 tact Jaqua Realtors Rental jperrin@mwvanderveen.com Div @269-226-2996 or view online @ jaquarealtors.com

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Entertainment

SECTION

SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

THINGS TO DO OR SEE TODAY AND BEYOND

KALAMAZOO

Ski, sled, skate ... and more in snowy weather Considering the gobs of snow we have had lately, outdoor winter activities will be in prime condition this week. You can hit the slopes at the three area ski resorts — Timber Ridge, Bittersweet and Swiss Valley — or try out the sledding, tobogganing, tubing and skating at Echo Valley Winter Sports Park, 8495 E. H Ave. in Kalamazoo. Several local outdoor ice rinks are also open for the season, including Millennium Park in Portage and the South Haven Ice Rink. For more details, check out the list of outdoor activities at http://bit.ly/1hlUVJY.

The Alamo Drafthouse Cinema will show the 1946 classic ‘It’s a Wonderful Life’ on Monday. (AP ﬁle) KALAMAZOO

‘Wonderful Life’ to screen Monday You can check out the 1946 classic, “It’s A Wonderful Life,” on the big screen at Alamo Drafthouse Cinema Kalamazoo. The film, a staple of the holiday season, stars James Stewart and Donna Reed and will be shown at 7 p.m. on Monday at the theater at 180 Portage St. Tickets are $9. For more information, call 269-532-7990 or go to drafthouse.com/ticketing/1001/1639. Other activities to keep the children busy over the extended school break also can be found around town. Despicable Me 2 will be shown Jan. 2 at the SaugatuckDouglas District Library, while Binder Park Zoo in Battle Creek is hosting a special 'Holiday Nights' event through Dec. 30. Details, H2

Amy Adams stars in “American Hustle.” (Courtesy) IN THEATERS

Characters shine in ‘American Hustle’

he film “American Hustle” is a mess. It’s supposed to be that way — its core characters routinely fly by the seat of their polyester double-knit slacks. Everyone is a two-faced shyster of various skills. Pretenders, pros, two-timing cheats, greasy-palmed politicians, all of them actors, manipulators, subterfuge artists. Director and co-scripter David O. Russell makes a point to show his characters paying meticulous attention to their hair and clothing. The film’s opening scene shows Irving Rosenfeld’s (Christian Bale) ludicrous comb-

over technique in great detail. He paints paste on his balding crown, carefully places toupee tufts on his scalp, sweeps the long strands from the sides overtop. It’s delicate and precarious. Funny, too. But Irving is a con artist by trade, and a great one. If he can convince himself he has a full head of hair, he can convince others to buy his bogus paintings or bite on a phony loan deal. The sequence continues. Irving’s girlfriend, Sydney Prosser (Amy Adams) and Richie DiMaso (Bradley Cooper) enter Irving’s hotel room. It’s clear the men are at odds. Details, H3 — John Serba

Santa’s workshop remains busy at downtown mall on hand at Santa’s Workshop on the South Kalamazoo Mall. Just in time for the holiday break for area students, visitors can take

photos with Santa, write him a letter and make holiday crafts from 11 a.m. to 4 p.m. Monday and Tuesday in the Mall Plaza, 157 S. Kalamazoo Mall. It's also a perfect opportunity for

procrastinators to purchase those last-minute gifts for under the Christmas tree. For information, call 269-344-0795 or go to downtownkalamazoo.org.

KALAMAZOO

Farmers Alley Theatre presents ‘I Love A Piano’

The Farmers Alley Theatre continues its run of “I Love a Piano,” a tribute to Irving Berlin. Cast members, from left, are Amy Prothro, Elliott Litherland, Mallory King, Jay Rincon, Michael Ehlers, Lori Moore.

After a couple days of giving, treat yourself to live theater with the Farmers Alley Theatre’s “I Love A Piano.” The music of Irving Berlin is showcased by a talented cast, including radio personality Lori Moore. The show will run through Jan. 5, including performances this week at 8 p.m. Thursday and Friday at the downtown Kalamazoo theater located at 221 Farmers Alley. Tickets are $33 for Thursday and $35 for Friday. For information, call 269-3432727, or go to farmersalleytheatre.com.

(Courtesy)

WE’RE CASTING AN AUDIENCE AND YOU’VE GOT THE PART!

(800) 228-9858 @ (269) 387-2300 www.MILLERAUDITORIUM.com

BOOKS

Reviewer lists 2013 best reads

KALAMAZOO

Drop by downtown Kalamazoo and get those lastminute requests in with Santa Claus as The Jolly One will be

Johnny Johnson, of Otsego, competes in the 2010 “King Air” competition at Bittersweet resort. Area ski and sledding areas are open for business across southwest Michigan. (MLive.com ﬁle)

Brevity might be the soul of wit, but this year, readers were more in the mood for a book they could curl up with for a good, long spell. In fiction, 2013 was the year of the doorstopper. Here is the favorite by reviewer Yvonne Zipp. For her complete list, see H5. 1. “LIFE AFTER LIFE,” BY KATE ATKINSON

In Atkinson’s March novel, she kills her main character on the first page. Except that Ursula Todd, born into an Edwardian household, keeps getting do-overs, a la a video game. Her life always resets to that snowy day in 1910. Atkinson combines a high-concept conceit with the warmth and detail of period fiction for a satisfyingly original work.

ON SALE NOW!

starring SALLY STRUTHERS WEDNESDAY, JAN. 8

7:30 P.M.

4733429-01

H2 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Calendar

Post your event to the calendar

To submit an item for the entertainment calendar, go to myevent.mlive.com or email events@mlive.com or call 877-414-0136. Items will be published as space permits.

DEC. 30-JAN. 3

MUSIC

Holiday Happenings — Make a Joyful Noise: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. Mon-Fri, 1-4 pm. Free. kalamazoomuseum.org

TODAY

The Christmas Cabaret — The Barnies Come Home for Christmas: Barn Theatre, 13351 W. Highway M-96, Augusta. 2 and 7 pm. $25 adults, $20 children 12 and younger. 269-731-4121

DEC. 26

What’s under the Ground?: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $60 nonmembers, $50 members. NatureCenter.org

DEC. 28

BeethovenFest! 2013: St. Luke’s Episcopal Church, 247 W. Lovell St., Kalamazoo. 7:30 pm. Suggested donation: $20 adults; $5 students. 349-7557

DEC. 27

Wild Animal Neighbors: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4-$7. 269-3811574

DEC. 31

New Year’s Fest: Downtown Kalamazoo. $10 day of event, $5 in advance. newyearsfest.com Gemini in Concert: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 11 am. $3. kalamazoomuseum.org

Comstock Lions Club Bingo: Kalamazoo County Expo Center & Fairground, 2900 Lake St., Kalamazoo. 6:30 pm. kalamazooexpocenter.com

JAN. 3-MAR. 21

DEC. 28

Led Zeppelin Laser Light Show at the Kalamazoo Valley Museum Planetarium: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 8 pm. $3. 269-373-7990

Birds of Prey: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4-$7. 269-381-1574

JAN. 5

Birds in Winter: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 1-4 pm. $4-$7. 269381-1574

DEC. 29

KSO — The World of Schubert: Dalton Center, 1903 W. Michigan Ave., Kalamazoo. 3 pm. $28. 269-387-2300

DEC. 30

Youjin Lee: Dalton Theatre, Kalamazoo College, 1200 Academy St., Kalamazoo. 3 pm. 269-337-7000 JAN. 19

The Gilmore Rising Stars Series — Fabio Martino, piano: Wellspring Theater at the Epic Center, 359 S. Kalamazoo Mall Ste. 204, Kalamazoo. 4 pm. $25; student tickets $5. 269-342-1166 STAGE

TODAY

Charles Dickens’ “A Christmas Carol”: Saugatuck Woman’s Club, 303 Butler St, Saugatuck. 7 pm. $10-$12. 269-857-1701 The Twin City Players Presents The Best Christmas Pageant Ever: Twin City Players, 600 West Glenlord Road, St. Joseph. 4 pm. $7-$15. 269-429-0400 THRU DEC. 29

Irving Berlin’s “I Love a Piano”: Farmers Alley Theatre, 221 Farmers Alley, Kalamazoo. Thu-Sun. farmersalleytheatre.com JAN. 4-5

The Twin City Players to Host Auditions for “A Streetcar Named Desire”: Twin City Players, 600 West Glenlord Road, St. Joseph. 7 pm; Sun, 1 pm. Free. JAN. 8

Hello Dolly: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 7:30 pm. millerauditorium.com JAN. 10-25

Arsenic and Old Lace: Kalamazoo Civic Theatre, 329 S Park St, Kalamazoo. Thu-Sat, 7:30 pm; Sun, 2 pm. $20 to $24, with group student and senior rates available. 269-343-1313 JAN. 18

Jim Belushi and the Chicago Board of Comedy: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 8 pm. $45. 269-3872300 JAN. 23

Rock of Ages: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 7:30 pm. $35-$58. 269-3872300 JAN. 23-FEB. 2

Bret Michaels performs in 2012 in Beverly Hills, Calif. Michaels will take the stage Jan. 11 at FireKeepers Casino, 11177 East Michigan Ave. in Battle Creek. See nightlife. — AP file

THRU JAN. 12

TODAY

Sketches to Sculptures, Rendered Reality — Sixty Years with Marshall M. Fredericks: Krasi Art Center, 707 Lake Blvd, St. Joseph. krasi.org

Mannheim Steamroller Christmas by Chip Davis: Lake Michigan College Mendel Center, 2755 East Napier Ave., Benton Harbor. 4 pm. 269-927-1221

THRU JAN. 19

Crossroads Blues Jam: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 6 pm. 269-381-5677

Decades of Dazzling Dresses: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. kvm.kvcc.edu THRU JAN. 31

Call for Artists for Plainwell’s ArtHop: Downtown Plainwell. Visit online for complete details. Event is Feb. 21. plainwell.org/pdfs/ArtistRegistrationForm.pdf Multimedia Arts and Crafts Exhibit by Portage District Libary Staﬀ: Portage District Library, 300 Library Lane, Portage. Free. 269-329-4544 Drawing/Painting/Digital Art Exhibit by Rebecca Ogrodowski: Portage District Library, 300 Library Lane, Portage. Free. 269-329-4544 YELLOW — The Works of Harry Brorby: Saugatuck Center for the Arts, 400 Culver St., Saugatuck. Free. sc4a.org THRU FEB. 9

Fanatastic Rumpus — 50 Years of Children’s Book Illustraions: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. kiarts.org JAN. 3-FEB. 15

South Haven’s Breaking Possibilities Art Exhibit: South Haven Center for the Arts, 600 Phoenix St., South Haven. Free. 269-6371041 THRU FEB. 23

Impressions — Selections from Stewart and Stewart: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. kiarts.org TODAY

Seven: Gilmore Theatre ComplexWestern Michigan University, VandeGiessen and Wester Ave., Kalamazoo. Thu-Sat, 8 pm. $5-$20. 269-387-2666

Public Tour — Fantastic Rumpus-50 Years of Children’s Book Illustrations: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. 2-3 pm. Free with gallery admission. 269-349-7775

JAN. 24-FEB. 8

DEC. 29

Into the Woods: Parish Theatre, 426 S. Park St. , Kalamazoo. Fri & Sat, 7:30 pm; Sun, 2 pm. $20 to $24, with group student and senior rates available. 269-343-1313

Public Tour — Impressions-Selections from Stewart & Stewart: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. 2-3 pm. With gallery admission. 269-349-7775

ART/MUSEUMS

TODAY

Kalamazoo Valley Sunday Lecture Series: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 1:30 pm. Free. 269-373-7990 THRU DEC. 30

Exhibition of Color Nature Photographs by the late Dr. H. Lewis Batts Jr.: Parkview Hills, 3707 Greenleaf Circle, Kalamazoo. 9 am-6 pm. 269-375-4809 THRU JAN. 5

Wild Music, Sounds & Songs of Life: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 269373-7990 THRU JAN. 12

In the ArtLab — Andrews University Place-Making Studio: Krasi Art Center, 707 Lake Blvd, St. Joseph. krasi.org

JAN. 3

Art Hop and More: Downtown Kalamazoo. kalamazooarts.org JAN. 24

Intriguing Conversation at SCA: Saugatuck Center for the Arts, 400 Culver St., Saugatuck. sc4a.org JAN. 25-JUN. 15

Michigan’s Heritage Barns at the Kalamazoo Valley Museum: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. Sat & Sun, 9 am. Free. 269-373-7990 NIGHTLIFE

THRU SEP. 27

South Haven Saturday Night Comedy: Black River Tavern, 403 Phoenix St., South Haven. Sat. $10 tickets on sale at bar or by phone. 269-637-4837

Lindsay Lou and the Flatbellys: Salt of the Earth, 114 E. Main St, Fennville. 7 pm. $15. 616-6448237 DEC. 24

Karaoke From Hell Does Xmas Eve: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. 7-11 pm. Free. 269-694-6970 DEC. 26

Roster McCabe: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 9:30 pm. $10. 269-382-2332 Tanner Thompson — After Xmas Acoustic Show: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. 8 pm-midnight. Free. 269-694-6970 DEC. 27

Out Of Favor Boys: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 9:30 pm. $6. 269-3822332 Steve Kamerling, Lana Hawkins and Denis Shebukhov: Webster’s Prime Tasting Room, 100 W. Michigan, Kalamazoo. 8:30-11:30 pm. 269-343-4444 DEC. 27-28

The Douglas James Band: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. Fri & Sat, 9:30 pm-1:30 am. Free. 269-6946970 DEC. 28

The Scott Pellegrom Trio with Rick Chyme: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 9:30 pm. $6. 269-382-2332 Boom Boom Booms!: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 9 pm. 269-381-5677 Duﬃeld Caron Project: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 5-8 pm. 269-381-5677 DEC. 29

Trivia Night: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 6 pm. Free. 269-382-2332 Slim Gypsy Baggage: Salt of the Earth, 114 E. Main St, Fennville. 7 pm. $10. saltoftheearthfennville. com DEC. 30

Ultraviolet Hippopotamus: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 8 pm. $15. 269382-2332 DEC. 31

Ultraviolet Hippopotamus — New Years Eve: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 8 pm. $25. 269-382-2332 New Year’s Eve with Red Sea Pedestrians & Corn Fed girls: Kalamazoo State Theatre, 404 S Burdick S, Kalamazoo. 9 pm. $30 day of show, $25 in advance. kazoostate.com Scrapyard Does New Year’s Eve: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. 9 pm-2 am. $5 cover. 269-694-6970

NYE Party: Riviera Theatre, 50 N. Main St., Three Rivers. 9 pm. $5. 269-278-8068 The Hired Hands: Salt of the Earth, 114 E. Main St, Fennville. 7 pm. $12. 616-644-8237 JAN. 1

TODAY

It’s a Wonderful Life: Riviera Theatre, 50 N. Main St., Three Rivers. 3 pm. $5-$6. trriviera.com/ movies/its-a-wonderful-life/

Karaoke From Hell Does New Year’s Day: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. 7-11 pm. Free. 269-694-6970 JAN. 3

DEC. 23

Joe Wang and the Test Pilots: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 8:30 pm. webstersrestaurant.com

Brews & Views — Holiday Edition: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. Noon. Free. 269-382-2332

JAN. 3-4

Scrapyard: M89 Sports Bar and Grill, 129 East Allegan St., Otsego. 9:30 pm-1:30 am. Free. 269-6946970

Younger Next Year — The New Science of Aginig: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 7 pm. kalamazoomuseum.org

JAN. 5

DEC. 27-29

JAN. 6

Live Music — Lindsay Dave Hardin: Salt of the Earth, 114 E. Main St, Fennville. 269-561-7258 JAN. 8

Steve Kamerling & Denis Shebukhov: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 7:30-10:30 pm. webstersrestaurant.com JAN. 10

The Hired Hands Band: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 7:30 pm. webstersrestaurant.com JAN. 11

Bret Michaels: FireKeepers Casino, 11177 East Michigan Ave., Battle Creek. $30, $35, $45 and $50. startickets.com JAN. 13

Live Music — Joshua Davis Band: Salt of the Earth, 114 E. Main St, Fennville. 269-561-7258 JAN. 15

DEC. 27

The Armstrong Lie: Riviera Theatre, 50 N. Main St., Three Rivers. Fri & Sat, 8:30 pm; Sun, 3 pm. $5-$6. trriviera.com/movies/ the-armstrong-lie/ DEC. 27-JAN. 4

The Pin: Riviera Theatre, 50 N. Main St., Three Rivers. Fri & Sat, 6 pm; Thu-Sat, 8:30 pm. $5-$6. trriviera.com/movies/the-pin/ DEC. 31

Free Screening of “The Sky is Pink”: Kalamazoo Public Library, 315 S. Rose Street, Kalamazoo. 7-8 pm. Free. 269-372-3642 JAN. 2

Despicable Me 2: SaugatuckDouglas District Library, 137 Center St., Douglas. 2-3:30 pm. sdlibrary. org Thursday Film Series — Morocco (1930): Saugatuck-Douglas District Library, 137 Center St., Douglas. 7-9 pm. sdlibrary.org JAN. 3

Kiwanis Travel Series — “Lure of Alaska,” produced and narrated by Dale Johnson: Paw Paw High School Performing Arts Center, 30609 Red Arrow Highway, Paw Paw. 7 pm. $7 at the door. JAN. 16

Steve Kamerling: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 7:30-10:30 pm. webstersrestaurant.com

Thursday Film Series — Dishonored (1931): Saugatuck-Douglas District Library, 137 Center St., Douglas. 7-9 pm. sdlibrary.org

JAN. 17

JAN. 24

Steve Kamerling & Lana Hawkins: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 8:30-10:30 pm. webstersrestaurant.com

Thursday Night Classic Movie Series-Without Love: SaugatuckDouglas District Library, 137 Center St., Douglas. 7 pm. sdlibrary.org

JAN. 20

THRU DEC. 24

Live Music-Potato Moon: Salt of the Earth, 114 E. Main St, Fennville. 269-561-7258

Santa’s Workshop: Kalamazoo Mall, 157 S. Kalamazoo Mall, Kalamazoo. Mon, Sun, 3-8 pm. Free. downtownkalamazoo.org

JAN. 22

Steve Kamerling & Barry Ross: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 7:30-10:30 pm. webstersrestaurant.com JAN. 24

Marci Linn Band: Webster’s Library Lounge (inside Radisson Plaza Hotel & Suites), 100 W. Michigan Ave., Kalamazoo. 8:30 pm. webstersrestaurant.com

DEC. 31

New Year’s Eve Ball Drop: Downtown Hastings. 269-945-2454 DEC. 31

FILM

Wadjda: Riviera Theatre, 50 N. Main St., Three Rivers. 12:30 pm. $5-$6. trriviera.com/movies/ wadjda.

Drew Nelson: Salt of the Earth, 114 E. Main St, Fennville. 7 pm. $12. 616-644-8237

Seeds — Source of Life: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4-$7. 269-3811574

COMMUNITY

DEC. 26

Portage Computer Users Club: Portage District Library, 300 Library Lane, Portage. 10 am. Free. 269329-4544 THRU DEC. 30

Holiday Nights: Binder Park Zoo, 7400 Division Dr., Battle Creek. Mon, Thu-Sun, 5-9 pm. $4 Binder Park Zoo members, $5 nonmembers. Free for children younger than 2. 269-979-1351

Arctic Animals: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4-$7. 269-381-1574 JAN. 2

Winter Mysteries: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. NatureCenter.org JAN. 3

Wiggly, Squiggly Worms: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. NatureCenter.org JAN. 4

Animal Tracks and Signs — Search for the Clues Animals Leave Behind: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. NatureCenter.org JAN. 5

Ice Age — Learn about glaciers: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 1-4 pm. NatureCenter.org JAN. 14-MAY 13

Combat Veterans’ Writing Group: Portage District Library, 300 Library Lane, Portage. 6:30 pm. Free. 269-329-4544 BOOKS

JAN. 9-MAY 8

International Mystery Book Group: Portage District Library, 300 Library Lane, Portage. 7 pm. Free. 269-329-4544 JAN. 19-MAY 18

Great Books Reading Group: Portage District Library, 300 Library Lane, Portage. 2 pm. Free. 269329-4544 OUTDOORS

DEC. 28

Kalamazoo Christmas Bird Count: People’s Church, 1758 N. 10th St., Kalamazoo. 7:45 am. Free. 269375-7210 SPORTS

JAN. 19

WWE Live: Wings Stadium, 3600 Vanrick Drive, Kalamazoo. 5 pm. 269-345-5101 DINING

TODAY

Holiday Brunch: W. K. Kellogg Manor House, 3700 East Gull Lake Drive, Hickory Corners. 11 am and 1 pm. $27 adults, $16 children ages 5-12, free for children 4 and younger. 269-671-2400 DEC. 31

Festival of Trees Hometown Taste: Downtown South Haven, Phoenix St. and Hubbard St., South Haven. 7-7 pm. $0.50 per ticket for each taste. 269-637-4342 DANCE

JAN. 12

Moscow Festival Ballet — Cinderella: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 3 pm. $17-$42. 269-3872300

KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / H3

Entertainment FILM REVIEW

‘American Hustle’ boasts delicious mess of characters John hn Serba

jserba a @mlive.com ve.com

Kalamazoo Symphony Orchestra assistant conductor Dr. Barry Ross is retiring after 40 years with the organization. He became a music professor at Kalamazoo College and the Concertmaster for the KSO in 1972. Ross was named assistant conductor of the KSO in 1987. (Chuck Miller/MLive.com)

KALAMAZOO

Ross proud of 40-year career with KSO

Time to step away By John Liberty

tive column from the players and from the community, all f the many memoof which is important to me. ries Barry Ross And I’m in a position to help has made over his guide the future of the posi40-year career at the tion,” he said. Kalamazoo Symphony Ross will remain on the Orchestra, one that KSO’s Board and assist in the came to mind when reflecting search for the organization’s of his tenure involved famed new executive director after violinist Itzhak Perlman havJennifer Barlament left to take ing a little fun. the general manager position Perlman performed at for the prestigious Cleveland Miller Auditorium in 2004. Symphony. Ross, the assistant conductor He said he also will help find at the KSO since 1987 and a a new assistant conductor. violinist, escorted Perlman, “Barry Ross has been the who due to his polio used quintessential Music Man of crutches, across the stage. Kalamazoo for over 30 years, Ross carried his own “fine old and will continue to do so long Italian” violin and Perlman’s into retirement,” KSO clari“very valuable Stradivarius.” netist Frank X. Silva said. “I waited for Itzhak to Ross said he plans to remain position himself and then he an active concert-goer of the turned to me to get his vioKSO and continue involvelin. I handed him his violin ment in other projects. He said and he looked at it as if I had he’ll his work as the Music switched instruments and Director of the Kalamazoo kept his Strad for himself and Junior Symphony Orchestra, given him mine. He made a which is celebrating its 75th little joke of it and the audiseason. Ross will lead the ence got it right away. They KJSO’s “BeethovenFest” consaw he was playing with me cert on Saturday at St. Luke’s about it,” Ross said. Episcopal Church, 247 W. Earlier this month, Ross Lovell St. announced he was retiring He said he’s also raising from the KSO after joining $200,000 to establish scholarthe organization in 1972. Ross ships to allow children to parsaid he will finish out the cur- ticipate in the KJSO. rent season, before turning Ross will be a music coach, his attention to other aspects guest conductor and serve as of his musical life. a competition judge as well, “I’m at the top of my game he said. and conductors often overstay “I intend to remain musitheir welcome. I want to be cally active and, hopefully, sure not to do that. I still have working for the betterment some check marks in the posi- of music in this community,

jlibert1@mlive.com

which has nourished my musical instincts for 40 years,” he said. Ross also said he will continue to hone his improvisational jazz skills with Kalamazoo guitarist Steve Kamerling. The duo plays twice a month at Webster’s Prime in the Radisson Plaza Hotel & Suites. The play everything from Irving Berlin to The Beatles. “And we even play a little Lady Gaga,” he said. Adding, “Learning jazz improvisation is a big challenge for a tried and true symphonic musician. I have to turn on a different part of my brain and learn how to improvise instead of thinking about accuracy and precision, I’m thinking, ‘Oh dear, what note comes next? What I am I going to play? I’m not reading it off the music, it’s coming out of my mind and my heart and my fingers.” Ross called it an honor to share the stage with performers such as Perlman, Yo-Yo Ma, Isaac Stern, Leonard Rose, Andre Watts and Emmanuel Ax, among others. The most meaningful aspect of his career has been working with youth, he said. He said he’ll miss conducting the talented, dedicated players of the KSO. “I’m very proud of the work of this orchestra. It seems to me the perfect menu for the way a symphony orchestra can be relevant and important in a community,” he said.

“American Hustle” is a mess. It’s supposed to be that way — its core characters routinely fly by the seat of their polyester double-knit slacks. Everyone is a twofaced shyster of various skills. Pretenders, pros, twotiming cheats, greasy-palmed politicians, all of them actors, manipulators, subterfuge artists. Director and co-scripter David O. Russell makes a point to show his characters paying meticulous attention to their hair and clothing. The film’s opening scene shows Irving Rosenfeld’s (Christian Bale) ludicrous combover technique in great detail. He paints paste on his balding crown, carefully places toupee tufts on his scalp, sweeps the long strands from the sides overtop. It’s delicate and precarious. Funny, too. But Irving is a con artist by trade, and a great one. If he can convince himself he has a full head of hair, he can convince others to buy his bogus paintings or bite on a phony loan deal. The sequence continues. Irving’s girlfriend, Sydney Prosser (Amy Adams) and Richie DiMaso (Bradley Cooper) enter Irving’s hotel room. It’s clear the men are at odds. Richie musses Irving’s hairdo, which works against

their mutual goal of snaring a crooked politician. As the plot circumnavigates itself — sometimes it feels like its about to swirl into a drain clogged with Irving’s follicular sheddings and Gee Your Hair Smells Terrific — we learn that Richie is an FBI agent who has the conning couple over a barrel. He knows Irving is a gifted chiseler, so he offers them a deal: help him bust four other crooks, and he won’t throw them in jail. They agree. Richie has a tight-curl perm. It’s 1978. What follows is a tangled skein of schemes and parallel cons involving Atlantic City casinos, a beloved politician (Jeremy Renner — six-inch pompadour, blow-dried and moussed), the mob, phony sheiks, Richie’s bewildered boss (Louis C.K.) and briefcases full of money. There’s always a briefcase of money. Business and personal affairs intermingle as Sydney, donning a fake British accent, tries to reverse-con Richie, and pretends to seduce him. She’s all eye shadow and sexy plunging necklines, and he falls for her, is a total idiot around her. Who wouldn’t be? She’s not happy with Irving in the first place, because he’s married, dearly loves his stepson, and is slippery in his relationship commitments, too. In a voiceover, he insists life is a big con, especially regarding what we tell ourselves. Irving’s wife, Rosalyn, is the wild card in this plot, played with perfection by Jennifer Lawrence. Maybe Rosalyn knows her place of

'AMERICAN HUSTLE'

rrrs

Cast: Bradley Cooper, Christian Bale, Amy Adams, Jennifer Lawrence Director: David O. Russell Runtime: 138 minutes Rating: R for pervasive language, some sexual content, and brief violence

power. Maybe not. She loves Irving, or doesn’t. She knows he’s a con artist, or not. She’s unaware of his infidelity, but she probably knows. Lawrence makes the most of Russell’s directorial approach. He reportedly let his actors roam creatively, trusting them to stay within palatable character boundaries. His instincts were right. She’s wickedly funny as the loose nut who could make the entire machine fall apart, and shares a handful of great moments with Bale. “American Hustle” never really congeals into a meaningful whole. The parts are great, but the sum, not so much. It’s unwieldy and inconsistent. The fashion critique is as distracting as it is thematically appropriate. It moves in fits and starts. Some scenes are muddy and underedited, others are crisp and crackle with playful dialogue. The film isn’t about that, per se; it’s an experiment in character exploration. You’ll walk away from it with an affirmation that people are complicated bundles of contradiction — especially these people.

KALAMAZOO

BeethovenFest takes center stage By Mark Wedel

For MLive.com

For the sixth annual BeethovenFest concert, the Kalamazoo Junior Symphony Orchestra will look at the moment Beethoven became Beethoven. Then, for the first time in the concert’s history, they’ll play a non-Beethoven work, Brahms’ Double Concerto, with guests Dylana Jenson and David Lockington. The annual fundraiser will be at a new venue, St. Luke’s Episcopal Church, on Saturday. Beethoven’s Symphony No. 3, the “Eroica,” was revolutionary in its time, and marks the beginning of the Romantic era in music and the start of Beethoven’s tumultuous style. It’s the result of a composer suddenly determined to write something unlike anything before it. “It was not just to please an audience with delightful opportunities to listen to beautiful aesthetics. It was really to express human emo-

IF YOU GO

What: Sixth annual BeethovenFest, Kalamazoo Junior Symphony Orchestra When: 7:30 p.m, Saturday Where: St. Luke’s Episcopal Church, 247 West Lovell Cost: $20, $5 students Contact: 269-349-7557 or kalamazoojuniorsymphony.org

tion,” Junior Symphony conductor Barry Ross said. “It opens with two very dramatic chords, and I think of it as Beethoven stamping his feet, and just saying ‘I’m not going to compose in the manner that symphonies have been composed in the past. I am going to compose symphonies that express the deepest, darkest emotion, and the greatest joys.’” Brahms fits this fest because he was “so influenced by Beethoven,” Ross said. Brahms didn’t publish his first symphony until he was 40. He was “in awe of the creative work of Beethoven that he didn’t feel worthy.”

Ross started thinking of the work when Jenson, a concert violinist who has performed with symphonies all over the world, was guest soloist at the fourth BeethovenFest. He asked if she’d ever played Brahms’ piece, which requires violin and cello soloists, with her husband, Lockington, cellist and conductor of the Grand Rapids Symphony. They’ve never played on anything, Ross found out. So he’s arranged for a first for them, as well as for the Junior Symphony. “It’s such a powerful piece ... certainly they’re in a deep conversation with the orchestra,” Ross said. Other special guests include former Junior Symphony director and cellist Robert Ritsema, plus graduates of the symphony who are back in town for the holidays. It’s all in keeping with Ross’ goal “to reacquaint them with the musical community that nurtured their talents” and “reunite the musical forces through the generations.”

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H4 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Entertainment MOUNT PLEASANT

Cheap Trick’s next stop on 40-year journey is mid-Michigan By Sue White

considered one of the most covered in rock history joins Night Ranger at Soaring Eagle Casino and Resort. Cheap Trick’s Rick Neilsen The show starts at 8 p.m. and tickchuckled, hearing about how his warehouse-sized collection of vintage ets, available at the box office and through etix.com, cost $57, $52, $38 guitars tapped into a new audience and $28. when television’s “American Pickers” Longtime fans will listen for “I Want talked him into parting with some You to Want Me,” “Surrender” and rock memorabilia. more of the hits that sold 20 million “I was a pretty good negotiator,” albums and earned more than 40 gold Neilsen said of the experience. The show is top rated in Asia, where and platinum recording awards. But the iconic musician known for Cheap Trick in the ‘70s first hit superhis ball cap and outrageous guitars star status. also brings a sense of history that Back in the ‘60s, “we played places Cheap Trick at No. 25 on VH1’s Michigan all the time, at the Chance list of the 100 greatest hard rock artin Ann Arbor and the Silver Dollar in ists of all time. Lansing and up in Charlevoix, at the Television host Stephen Colbert Castle,” he remembered. On Saturday, the Rockford, Ill., band asked Neilsen to pen a theme song for For MLive.com

Cheap Trick performed at Coast West Festival last summer. The band will be at Soaring Eagle Casino Saturday. (MLive.com ﬁle)

“The Colbert Report.” “We took his idea of doing a Cheap Trick song and did the melody backwards and it’s been on TV ever since,” Neilsen said. “It’s pretty cool.” Some fans may know that Neilsen recorded with the late John Lennon and his wife Yoko Ono on “Double Fantasy,” but how many realized Lennon had asked Cheap Trick to play with him on his next project, before he was murdered in 1980? “It was very intense in the studio with him,” Neilsen admitted. “Yoko would say, ‘John, should I do this fast or slow?’ and he’d tell her, ‘Mother, do it both ways.’ She’d shoot off an expletive but you could tell they were very passionate about their work.”

He can say he actually talked over lunch with Lennon, a Beatles fan’s dream, “and I probably looked like a fool, but so what?” Neilsen had the last laugh on Cheap Trick’s new album, “The Latest,” which was released on eight-track as well as on CD and vinyl. “Now it’s the best-selling eight-track in the world,” he said, admitting he had to go out and buy an eight-track player himself to listen to it. Did he like what he heard? “I love all the music we make,” Neilsen said. “We won’t do any Night Ranger songs at Soaring Eagle, but depending on the different audiences, we pull things out from the fun years. It should be a good show.”

C E L E B RAT I O N S

TO PLACE YOUR ANNOUNCEMENT GO TO WWW.MLIVE.COM/CELEBRATIONS Questions contact Lisa at 888-868-5356 or lcaswell@mlive.com. To mail or email your info go to mlive.com/celebrations-forms to download/print forms. Deadline is 2 full weeks prior to publication date.

Billmaier ~ Hunter

DeHoff ~ Kramer

Carson - Nelson

Dennis and Dixie Billmaier of Hickory Corners are pleased to announce the engagement of their daughter, Allison to Gauge Hunter, the son of Donald and Brenda Hunter of Kalamazoo. Allison is a 2011 graduate of KVCC. PFC Hunter is currently serving in the US Army and is stationed at Fort Richardson, Alaska. Allison and Gauge plan to be married December 22, 2013.

4753651-01

Tim Carson and Amber Nelson are happy to announce their engagement and forthcoming marriage. Tim is the son of Steve and Nancy Carson. He graduated from WMU with a major in printing. He is employed at Sun Chemical as an Inplant Manager. Amber is the daughter of Bill and Lori Nelson and Angela Dillon. She most recently graduated from MSU with an MBA in Integrative Management. She is employed at MPI Research as the Business Development Director for Medical Devices.

Together with their parents, Dawn M. DeHoff and Jacob B. Kramer are pleased to announce their engagement. The bride-to-be is the daughter of Danny and Elaine DeHoff of Portage, MI. She is a graduate of Portage Central High School and attended KVCC. She works for Bronson Methodist Hospital in the Patient Access department. The groom-to-be is the son of Thomas and Susan Kramer of Portage, MI. He is a graduate of Portage Northern High School and attended KVCC. He is the owner of Kramers Building & Maintenance. A wedding date has been set for Saturday, September 20, 2014 in Kalamazoo, MI. 4726296-01

4739941-01 4750487-01

Kim - Schrader DeVries - Goings

Jin Kim and Kurt Schrader were married on September 14, 2013 in Central Park, New York City. A reception followed at the Aldea restaurant where Kurt and Jin celebrated their wedding with family and friends. The bride is the daughter of Hwang, Eu-Bok and Kim, Ki-Hun of Seoul, South Korea. She is a graduate of Seoul National University and Michigan State University and attended Haas Business School in Berkeley, CA. Jin is employed as a product manager for Major League Baseball. The groom is the son of Bill and Marcia Schrader of Kalamazoo, MI. He is a graduate of the University of Michigan and is the Chief Technology Officer at Intent Media. In late September the couple traveled to Seoul to celebrate their marriage with the bride’s family. A honeymoon in France and Italy is planned in December. They reside in Brooklyn, NY.

HeatherGoingsandRonDeVries;bothofDenver,ColoradoandformerlyfromMichigan,wereunitedinmarriage onSeptember14,2013.Theweddingtookplaceattheirhomechurch,PlattParkChurch,inDenver,officiatedby PastorsTimandSusieGrade.Heather'sattendantswerehersister,SaraGoings,asmaidofhonor;andfriendsJackie Paris and Amanda Dixon; and Pam Kruithof, sister of the groom, as bridesmaids. Ron's attendants included Jerry Buistasbestman,andfriendsJoshBuist,RabinMahantyandMarkBixlerasgroomsmen.Usherswerebrothersof thebride,JoshandBryanGoings.TheflowergirlwasMollyKruithof,nieceofthegroom.Heatheristhedaughter of Jim and Kathy Goings of Castle Rock, Colorado; and Ron is the son of Bob and Bonnie DeVries and Dorothy and Thom Rowley from Kalamazoo, Michigan. Friends and family shared in the celebration of their joy at the reception, which was held following the wedding at the Skyline Ballroom of the Courtyard Marriott, overlooking the Rocky Mountains. The couple honeymooned in Cancun, Mexico, and they are making their home in Denver. 4745503-01

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Berry ~ Dillard

SUDEIKIS ~ 4 GENERATIONS 6 month old Kolt is held by great-grandma, Carol Sudeikis. To their left are grandpa, Paul Sudeikis and Kolt's dad, Scott Sudeikis.

4749080-01

Laura Catherine Dillard and Jennings Warren Berry, Jr. were married on September 7, 2013. The lovely outdoor ceremony was held at Historic Ayr Mount in Hillsborough, North Carolina, in front of a rustic cross made by the groom for his bride. Following the ceremony, officiated by Roddy Dinsmore and the bride's grandfather, Joe Garshaw, guests enjoyed a true southern feast including a strawberry wedding cake made by the groom and his mother. The bride is the daughter of Charles and Ann Dillard of Portage, Michigan. Presented by her parents, she was escorted down the brick aisle by her father and was attended by Laurie Comfort, Laura Jones and Joy Davis. The groom is the son of Janice Trent and Warren Berry of North Carolina. Jennings was attended by Warren Berry, Joe Berry and Matt Sherrill. The bride wore a Pronovias gown which featured spectacular embroidery that highlighted the beauty of the strapless neckline and its frothy tulle skirt. Laura carried a beautiful bouquet of coral roses and yellow ranunculus designed by Doreen Beltz. The groom's parents hosted a delicious rehearsal dinner at Maggianos Little Italy in Raleigh. Jennings and Laura plan to pursue opportunities in youth ministry and international missions. Mr. and Mrs. Berry currently reside in Raleigh, North Carolina.

Robert K Springer Bob Springer will celebrate his 100th birthday with family and friends. Bob was born in Vicksburg, MI, December 23, 1913. He served in the US Army with the 717 Tank Battalion in World War II. Bob retired from the Vicksburg Post Office after 35 years of service. He married Helen Margaret Douglas (deceased) in 1937 and together they had two children, Karla of Portage and Doug of Vicksburg. He has three grandchildren, Diana of Vicksburg, Kristin of Portland, OR, and Ken of Normal, IL. He has one great-grandchild, Holli of Vicksburg. 4736126-01

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KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / H5

Books

Birthdays

The top seven novels of 2013

revity might be the soul of wit, but this year, readers were more in the mood for a book they could curl up with for a good, long spell.

In fiction, 2013 was the year of the doorstopper. Long-form novels, led by Donna Tartt’s and Man Booker Prize-winner Eleanor Catton’s 800page tomes, ruled the day, and epics were the order of business. Here are my Top 7 picks for the best novels I read this year: 1. “LIFE AFTER LIFE,” BY KATE ATKINSON

In Atkinson’s March novel, she kills her main character on the first page. Except that Ursula Todd, born into an Edwardian household, keeps getting do-overs, a la a video game. Her life always resets to that snowy day in 1910. Atkinson combined a high-concept conceit with the warmth and detail of period fiction for a satisfyingly original work. 2. “WE NEED NEW NAMES,” BY NOVIOLET BULAWAYO

Zimbabwe native Bulawayo, a graduate of Kalamazoo Valley Community College who went on to Cornell and Stanford, was named a finalist for the prestigious Man Booker Prize for her indelible first novel, “We Need New Names,” part of which is set in Kalamazoo. 3. “THE LUMINARIES,” BY ELEANOR CATTON

REVIEW

Diane Sawyer is 68 today. (AP)

Yvonne Zipp

Happy Birthday, Ryan Seacrest, and others

yzipp@mlive.com

Award for this terrific tall tale, in which an orphaned 12-year-old finds himself scooped up as part of John Brown’s doomed antislavery crusade. McBride, who visited Kalamazoo in 2005 as part of the Reading Together program for his acclaimed memoir “The Color of Water,” has created a wily, often hilarious tall tale.

TODAY

Former House Speaker Jim Wright is 91. Actor Hector Elizondo is 77. ABC News anchor Diane Sawyer is 68. Actor Ralph Fiennes is 51. Actress Heather Donahue is 40. Actor Chris Carmack is 33. Actor Logan Huffman is 24. Rhythm-and-blues singer Jordin Sparks is 24.

7. “THE GOLDFINCH,” BY DONNA TARTT

In Tartt’s twisty third novel, 13-year-old Theo Decker becomes an involuntary art thief. After the terrorist attack that kills his mother, Theo, in a state of shock, walks out of the museum with her favorite painting, a real-life masterpiece by Carel Fabritius. Ranging from New York to Las Vegas and Amsterdam, Tartt earns the moniker “Dickensian,” both for her big, entertaining plot and the orphan who gets swept along on adventures.

MONDAY

Actor Gerald S. O’Loughlin is 92. Emperor Akihito of Japan is 80. Actor James Stacy is 77. Actor-comedian Harry Shearer is 70. Singer-musician Adrian Belew is 64. Singer Terry Weeks is 50. The former first lady of France, Carla Bruni-Sarkozy, is 46. Actress Estella Warren is 35. Actress Anna Maria Perez de Tagle is 23. Actor Spencer Daniels (TV: “Mom”) is 21.

“We Need New Names,” right, by Kalamazoo Valley Community College graduate NoViolet Bulawayo, is among MLive.com book reviewer Yvonne Zipp’s top seven novels of 2013.

TUESDAY

Songwriter-bandleader Dave Bartholomew is 93. Author Mary Higgins Clark is 86. Federal health official Anthony S. Fauci is 73. Recording company executive Mike Curb is 69. Actor Wade Williams is 52. Designer Kate Spade is 51. Singer Ricky Martin is 42. Author Stephenie Tomlinson Meyer is 40. “American Idol” host Ryan Seacrest is 39. Rock singer Louis Tomlinson (One Direction) is 22.

At 28, Eleanor Catton became the youngest writer ever to win the Man Booker Prize, Britain’s highest literary award, for her 19th century epic, set during New Zealand’s gold rush. She also picked up Canada’s top award, the Governor General’s Prize, for her epic of politicians, prospectors and prostitutes, opium addicts, hermits, young lovers, seances, double-crosses and gold sewn into corsets. 4. “SYCAMORE ROW,” BY JOHN GRISHAM

WEDNESDAY

For mainstream fiction, you couldn’t do better this year than “Sycamore Row,” in which Grisham returns to the world of his first novel, “A Time to Kill,” for the best book of his career. Grisham is a reliable storyteller, and his books are always readable, but “Sycamore Row” carries an extra moral heft that raises it to another level.

Actor Dick Miller is 85. Author Anne Roiphe is 78. Singer Jimmy Buffett is 67. Actress Sissy Spacek is 64. Singer Annie Lennox is 59. Singer Dido is 42. Country singer Alecia Elliott is 31. Pop singers Lisa and Jess Origliasso (The Veronicas) are 29. THURSDAY

5. “AND THE MOUNTAINS ECHOED,” BY KHALED HOSSEINI

Actor Caroll Spinney (Big Bird on TV’s “Sesame Street”) is 80. Record producer Phil Spector is 74. “America’s Most Wanted” host John Walsh is 68. Humorist David Sedaris is 57. Actress Nadia Dajani is 48. Actor-singer Jared Leto is 42. Rock singer Chris Daughtry is 34. Actress Beth Behrs is 28. Actress Eden Sher is 22. Actor Zach Mills is 18.

While “The Kite Runner” made him a household name, Hosseini’s third novel is by far his best and most complex. Set in Afghanistan, Greece and the U.S., “And the Mountains Echoed” hopscotches from character to character over decades and countries, with an emotional arc powerful enough to carry over the distance. 6. “THE GOOD LORD BIRD,” BY JAMES MCBRIDE

FRIDAY

McBride won the National Book

BESTSELLERS FICTION 1. Command Authority, by Tom Clancy. (Putnam, $29.95) 2. Cross My Heart, by James Patterson. (Little, Brown & Co., $29) 3. Sycamore Row, by John Grisham. (Doubleday, $28.95) 4. The Gods of Guilt, by Michael Connelly. (Little, Brown & Co., $28) 5. Takedown Twenty, by Janet Evanovich. (Bantam, $28) 6. The First Phone Call from Heaven, by Mitch Albom. (Harper, $24.99) 7. Doctor Sleep, by Stephen King. (Scribner, $30) 8. King and Maxwell, by David Baldacci. (Grand Central, $28) 9. The Goldﬁnch, by Donna Tartt. (Little, Brown & Co., $30) 10. The Longest Ride, by Nicholas Sparks. (Grand Central, $27) 11. S., by J.J. Abrams and Doug Dorst. (Mulholland, $35) 12. Dust, by Patricia Cornwell. (Putnam, $28.95) 13. Inferno, by Dan Brown. (Doubleday, $29.95)

14. The Valley of Amazement, by Amy Tan. (Ecco, $29.99) 15. Winners, by Danielle Steel. (Delacorte, $28) 16. Mirage, by Clive Cussler and Jack B. Du Brul. (Putnam, $28.95) 17. The All-Girl Filling Station’s Last Reunion, by Fannie Flagg. (Random House, $27) 18. And the Mountains Echoed, by Khaled Hosseini. (Riverhead, $28.95) 19. The Supreme Macaroni Company, by Adriana Trigiani. (Harper, $25.99) 20. Starry Night, by Debbie Macomber. (Ballantine, $18) 21. Robert Ludlum’s The Bourne Retribution, by Eric Van Lustbader. (Grand Central, $28) 22. White Fire, by Douglas J. Preston and Lincoln Child. (Grand Central, $27) 23. We Are Water, by Wally Lamb. (Harper, $29.99) 24. Merry Christmas, Alex Cross, by James Patterson. (Little, Brown & Co., $20) 25. The Good Lord Bird, by James McBride. (Riverhead, $27.95)

NONFICTION 1. Things That Matter, by Charles Krauthammer. (Crown Forum, $28) 2. Killing Jesus, by Bill O’Reilly and Martin Dugard. (Henry Holt, $28) 3. Guinness World Records 2014. (Guinness World Records, $28.95) 4. George Washington’s Secret Six, by Brian Kilmeade. (Sentinel, $27.95) 5. David and Goliath, by Malcolm Gladwell. (Little, Brown & Co., $29) 6. Miracles and Massacres, by Glenn Beck. (Threshold, $27) 7. The Pioneer Woman Cooks, by Ree Drummond. (William Morrow, $29.99) 8. Si-Cology 1, by Si Robertson. (Howard Books, $22.99) 9. The Bully Pulpit, by Doris Kearns Goodwin. (Simon & Schuster, $40) 10. Humans of New York, by Brandon Stanton. (St. Martin’s, $29.99) 11. I Am Malala, by Malala Yousafzai. (Little, Brown & Co., $26) 12. The Daniel Plan, by Rick Warren et al. (Zondervan, $24.99) 13. The Duck Commander Devotional, by Alan Robertson. (Howard, $16.99)

14. Let Me Oﬀ at the Top!, by Ron Burgundy. (Crown Archetype, $22) 15. Happy, Happy, Happy, by Phil Robertson. (Howard, $24.99) 16. Giada’s Feel Good Food, by Giada De Laurentiis. (Clarkson Potter, $32.50) 17. Staying Strong, by Demi Lovato. (Macmillan/Feiwel & Friends, $19.99) 18. One Summer, by Bill Bryson. (Doubleday, $28.95) 19. Break Out!, by Joel Osteen. (Faithwords, $26) 20. The Total Money Makeover, by Dave Ramsey. (Thomas Nelson, $24.99) 21. Good Tidings and Great Joy, by Sarah Palin. (Broadside, $22.99) 22. The Legend of Zelda, by Shigeru Miyamoto. (Dark Horse, $34.99) 23. Lego Miniﬁgure Year by Year, by Gregory Farshtey and Daniel Lipkowitz. (DK Publishing, $40) 24. The Duck Commander Devotional: Pink Camo, by Alan Robertson. (Howard, $16.99) 25. Grain Brain, by David Perlmutter. (Little, Brown & Co., $27) — Publishers Weekly

Rockabilly musician Scotty Moore is 82. Actress Charmian Carr (Film: “The Sound of Music”) is 71. Actor Gerard Depardieu is 65. Country musician Jeff Bryant is 51. Actor Ian Gomez is 49. Actress Emilie de Ravin is 32. Christian rock musician James Mead (Kutless) is 31. Rock singer Hayley Williams (Paramore) is 25. SATURDAY

Comic book creator Stan Lee is 91. Actor Martin Milner is 82. Actor Denzel Washington is 59. Country Washington musician Mike McGuire (Shenandoah) is 55. Actor Chad McQueen is 53. Comedian Seth Meyers is 40. Actor Brendan Hines is 37. Actor Joe Manganiello (TV: “True Blood”) is 37. Rhythm-and-blues singer John Legend is 35. Actress Sienna Miller is 32. Pop singer Kasey Sheridan (Dream) is 27. Pop singer David Archuleta (TV: “American Idol”) is 23.

H6 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Advice Carolyn Hax / Tell Me About It

Reader gives advice today On begging, pleading, nagging a mate to adopt healthier habits: A supportive spouse is one who does whatever is required to help you live the best, most fulfilling life you can, whether that means learning from you or teaching you, thanking you or forgiving you, celebrating how wonderful you are or telling you when you’re screwing up and demanding that you do better. Being supportive definitely does not include standing silently by watching you make a lifestyle of self-destructive behavior, in order to avoid hurting your feelings. A habit of total physical inactivity is unquestionably self-destructive, and it’s a spouse’s duty and right to address it, because the consequences, actual or potential, affect him or her profoundly. People often assert that the “real” complaint isn’t worry about health but rather of being less sexually attracted to a spouse who has gained weight, with the implication that, if so, it’s a discreditable concern. It doesn’t have to be all one or the other. If sexual appeal is an issue, why shouldn’t it be? Sure, a wife doesn’t exist for the sole purpose of gratifying a husband, but marriage is usually understood to entail a mutual commitment to sexual exclusivity, which implies a corresponding duty to make reasonable efforts to meet each other’s sexual needs. It’s a basic biological drive, after all, and a most powerful one. Of course, no one can be expected to look at 50 like they did at 20 or 30. The inevitable effects of time, genes and life’s vicissitudes are one thing, though, and utter indifference to whether your spouse finds you attractive, and a total lack of effort to make yourself so — if strict sexual fidelity continues to be insisted upon — is quite another, and violates the principle of reciprocal obligations that is the foundation of marriage. Would anyone expect her to “love him as he is” if he decided that an annual bath constituted adequate personal hygiene? Exercise and weight loss aren’t synonymous terms, except in the popular mind, and there are much more important goals and results of physical activity than changes in body composition and shape. But when one spouse tells the other repeatedly that physical activity and good nutrition are important — offering to initiate walks and participate in them, for example — and the other consistently refuses, it is a blow-off to respond with casual, insincere throw-away responses like “next week.” The disrespectful message is, “I don’t care about you, your concerns, or the marriage — leave me alone.” A spouse just might do it, too. — C.P. Write to Carolyn Hax at Tell Me About It, Sunday Source, 1150 15th St. NW, Washington, DC 20071. Email: tellme@washingtonpost.com

Hints From Heloise

Don’t reheat food in foam containers Dear Heloise: Is it safe to reheat leftovers in foam takeout containers, or should I transfer the food to another container? — Poppy in Illinois Poppy, no, you should not reheat leftovers in foam takeout containers. The container is meant to carry food home so that you can put it in the refrigerator. Some studies have shown that chemicals can leach into the food if heated in the microwave. The foam containers can melt and ruin your microwave as well! Remember the old saying: When in doubt, don’t! Yes, put the food in a microwave-safe container. Why worry? — Heloise Dear Heloise: My hint is about having too many electronic charger cords tangled in a drawer. I placed self-sticking hooks on the inside of a cabinet door, near where I plug them in for recharging. Now they are neatly stored and ready to use. — Harriet R., Roseville, Calif. Harriet, you have helped this busy businesswoman and harried house lady! I have a set of chargers at the kitchen desk, another set in my suitcase and a third in my workbag that goes on car trips. I’d give a big, fat Heloise hug to the person who comes up with ONE charger for everything! — Heloise Dear Heloise: When flying and going through security, I put anything I take off and cannot be easily shoved into a carry-on bag through the X-ray scanner first. This way, my hands are free to put these items back on while waiting for the other items. When packing, I put items that require removal from bags (toiletries, laptop) in an easy access front pocket or toward the top of my bag so I don’t have to dig to find them. — A Reader, via email Write to Heloise at P.O. Box 795000, San Antonio, TX 78279-5000, by fax to 210-HELOISE. Email: Heloise@heloise.com

Jeanne Phillips / Dear Abby

Mary Hunt / Everyday Cheapskate

Distraught daughter won’t let couple wed

ear Abby: I’m 50 and my boyfriend, “Ray,” is 55. We have been together for 11 years. He’s divorced with two children. I am single and childless. We owned our own homes until a year ago, when we sold them and bought a house together. We each pay half the bills including the mortgage. We love each other, get along great, have similar values and can’t imagine not being together. My problem is I want to get married. Ray does, too, but his 20-year-old daughter isn’t ready for it yet. She and I get along fine, but she gets very stressed and cries when the topic is mentioned. I told Ray I think she has learned from her childhood that crying enables her to get her way. But Ray insists she has anxiety issues, and he’s afraid she will hurt herself if we get married. I say we should just do it and hope that, eventually, she accepts it. Counseling is out of the question for her. She won’t go. Ray and I did go for advice about this. The counselor agreed that his daughter needs counseling, but we can’t “make” her go. My question is, is Ray ever going to marry me? Any suggestions on what we should do? — Confused in New Jersey Dear Confused: If Ray waits for his daughter’s blessing, it may take another 11 years for her to give it — if she ever does. You and Ray should get more counseling to help him find the strength to stop allowing his troubled daughter to rule his life. Write to Dear Abby at P.O. Box 69440, Los Angeles, CA 90069 or DearAbby.com. Harriette Cole/ Sense & Sensibility

Niece in a relationship with a typical ‘bad boy’ Dear Harriette: My relationship with my teenage niece has deteriorated to the point where we are not talking to each other. She has a boyfriend, and I think that is the reason of the decline in our relationship. He is what I would call a typical “bad boy.” He is a high school dropout, and he has encouraged my niece to quit school or at least not to attend as frequently. I spoke to her about this young man because it concerned me, and she got mad. My sister, who is her mother, and her kids and I live together. Now, every morning I greet my niece and she walks away in disgust. I am doing my best to keep the lines of communication open between us, but it is not working. What should I do? — Family First, Chicago Dear Family First: Talk to your sister about the situation. Ask her if she is aware of the friction between you and your niece. Point out what you believe to be happening between her and her boyfriend. Make sure she knows about the school delinquency as well. As an adult in the home, take responsibility for oversight of what may be happening. Remember that you are the grownup in your relationship with your niece. The next time she walks away, you may want to call out to her to say that you want to talk. Let her know that you care about her and that you are concerned about her. See if she responds. Since you live together, there should be a level of respect required in the household. You and your sister need to identify what those rules should be and work together to enforce them. Keep in mind that there likely is something going on with your niece that is leading her to act out. That is what you and your sister need to identify.

Dear Harriette: My church is having a Christmas party for a women’s shelter in New York City, and my pastor has asked the members if we can sponsor a child and give them a toy. I would love to sponsor a child; however, I am not in the position financially to do so at this time. What are some ways I can give without spending money? — A Heart to Give, New York City Dear A Heart To Give: Tell your pastor of your circumstances. Explain that you want to help in whatever way you can that does not cost money. Offer to help deliver the items to the shelter. Offer to assist your pastor in any other ways the church or the shelter may need. Consider being creative and making a gift for a child. It is possible for you to use your own hands and a few resources that you already have at home to craft a gift that a child may love.

Saving coins is a pain in the wrap I

am not one to spend coins. And I don’t like carrying them around in my wallet, either. Every night both my husband and I dump the day’s accumulation into a container to save for a trip or to buy something special. One year we saved $1,100 in coins, but I have to admit the logistics can be a royal pain. I don’t know what happened to me last weekend. In a fit of frustration I dumped the jars into a big bag and drove to the supermarket. I knew it would cost me 10.9 percent to use the Coinstar machine, but it seemed reasonable. After a few minutes of shoveling, out popped a voucher for $383.52. My heart sunk once I realized that I’d walked in with $431.57. Big Green clobbered me with a $47.05 fee! Karl Hartkopf, whose website — theunderstory.com — is devoted to coin rolling techniques, advocates cheap or free counting machines. But, he points out, it is not always possible. So, if you can’t find a bank or credit to count your coins for free, should you pay the fee or should you wrap your own coins? Well, that all depends. Breaking this down into hourly rates, Hartkopf says that I paid Coinstar an hourly rate of $26.70 to count my quarters ($.89 per $10 roll) because he says it takes less than two minutes for the average person to wrap a $10 roll of quarters. Pennies are another story. It takes the same amount of time to roll pennies, but Coinstar charges less than 5 cents per roll or $1.36 per hour to count pennies. Nickels work out to $5.34 an hour, dimes $13.35. I’m still kicking myself over that $47.05 fee. At the very least I should have rolled the quarters and dimes myself and taken them into my bank, which will accept rolled coins. Then I should have dumped the pennies and maybe the nickels into Big Green. Write Mary Hunt at Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723, or Email her at mary@everydaycheapskate.com.

Jim Daly / Focus on the Family

Interruption offers teachable moment Q:

Our preschooler recently walked in on us while we were having sex. Should we be concerned that this will have any negative long-term effects on him? I tried to cover up as best I could, but I could tell he was upset. I’m feeling very guilty about this. Other parents who’ve experienced the panic of “children interruptus” — and have since installed locks on their bedroom doors — know just how you feel. But you don’t need to be overly concerned about what your son witnessed. He may have been a bit confused by what he saw, but if he hasn’t brought it up since, I doubt that the incident has caused any long-term damage. There’s no reason for you to feel guilty about this. Sex is an important element of marriage and a normal part of family life. When you’re a parent, things like this can happen from time to time, and it’s best to take it in stride and move on. I’d encourage you, though, to use this incident as a place to begin talking about sex and sexuality with your son. Approach this as a lifelong learning process, not a one-time “birds and bees” discussion. As a preschooler, he’s old enough to understand some basic concepts about human sexuality, provided they’re presented in age-appropriate language. At the most basic level, he needs to know that sexuality is not something scary and shameful, but a wonderful gift from God designed to be expressed between a husband and wife. Among other things, this may help you resolve your feelings of guilt. It will also go a long way toward helping him clear up any remaining confusion over what he saw. Our teenage daughter is out of control. She’s disrespectful to us, and she’s causing problems in school. She’s never been like this before. It’s so out of character for her. We try to talk to her, and she just says there’s nothing wrong. We’re at our breaking point and feel so helpless. Dr. Greg Smalley, Vice President, Family Ministries: We often hear from weary parents who have reached the end of their rope with a strong-willed adolescent. You’re not alone! When it comes to her behavior, it’s critical that you lay out your expectations in advance and make sure that your daughter understands them. The consequences for rebellious or disobedient behavior should also be spelled out beforehand, and the implementation of those consequences should be prompt and consistent. Your daughter will likely challenge these standards at every opportunity, but it’s crucial to keep your cool in the face of defiance. Don’t give her an opportunity to seize control of the situation. Send your questions to Focus on the Family, P.O. Box 444, Colorado Springs, CO 80995.

Write to Harriette Cole at United Feature Syndicate, 200 Madison Ave., New York, NY 10016. Email: askharriette@harriettecole.com

KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / H7

Travel SARANAC LAKE, N.Y.

Iconic Adirondack hotel sold to N.H. company The Associated Press

An iconic 86-year-old hotel in the Adirondack village of Saranac Lake has been sold to a New Hampshirebased company that plans a $13 million renovation for the property. Local media outlets reported the sale of the Hotel Saranac recently was completed in Franklin County. The hotel was bought for more than $1.4 million by Roedel Partners of Saranac Lake LLC, part of Wilton, N.H.-based Roedel

Companies, a hotel construction and management firm. The sellers are the Arora family, owners of Long Island-based Sardeshwari Enterprises Inc. The Arora family bought the 86-room hotel seven years ago from Paul Smith’s College, which had owned the property since 1962. The Cuomo administration recently announced that Roedel will get $5 million in state economic development funds for the renovation project.

GO FOR THE FOOD

Pinnacle Mountain rises more than 1,000 feet above the Arkansas River Valley, providing hikers with spectacular views. It’s one of a number of fun things to see and do in the Little Rock area. (AP ﬁle)

LITTLE ROCK, ARK.

Freebies in the Natural State By Jeannie Nuss

The Associated Press

rkansas is nicknamed the Natural State, and its capital lives up to the moniker. There are plenty of ways for people to experience the great outdoors in and around Little Rock. Plus, many of them are free. ARMADILLOS AND ROCKS

Want to see Little Rock’s namesake geological formation and maybe an armadillo? Slip on walking shoes and head to the trails that saddle up to the Arkansas River. The trail system loops by The Little Rock and Bill Clinton’s presidential center in downtown Little Rock. Farther west, walkers, runners and cyclists can pass the aptly named Big Dam Bridge and spot armadillos in Two Rivers Park. Think of Boston’s Charles River Esplanade with a touch of Southern charm (and a slightly different accent). Details: arkansasrivertrail. org CLIMB EVERY MOUNTAIN — OR JUST ONE

Pinnacle Mountain rises more than 1,000 feet above the Arkansas River Valley, and it provides hikers with a spectacular view of the surrounding area. The park has a few trails, including 1.5-mile summit trails on the east and west sides of the mountain. But those trails get a bit steep toward the top, so the fainter of heart might prefer hiking around the base of the mountain. Details:

NEWPORT, R.I.

17-city tour to mark Newport

arkansasstateparks.com/ pinnaclemountain.

By Beth J. Harpaz

Plenty of people brave Rockefeller Center’s holiday crowds to see the famous Christmas tree and take a spin on the ice. But nobody goes to Rock Center this time of year just for the food — unless they also crave long waits and overpriced menus designed for tourists. Fortunately, Manhattan’s food scene is dynamic enough that even amid the holiday madness, interesting dining options abound, from ethnic food to small plates to street carts, much of it reasonably priced. Waiting on line, though — well, there’s no avoiding that. But at least you can get some good food. Here are some ideas, all within a few blocks of the tree.

Arkansas has beautiful scenery, but it also has a history of ugly episodes in race relations. In 1957, Little Rock became the symbol of state resistance to school desegregation. Arkansas’ governor and hundreds of protesters tried to stop nine black students known as the Little Rock Nine from entering Central High School. Things got so bad that the students needed the protection of federal troops to integrate the previously all-white school. Today, the Little Rock Central High School National Historic Site visitor center features a permanent exhibit on the desegregation crisis. Details: nps.gov/chsc/index. htm

XI’AN, NUM PANG

AS SEEN IN ‘GONE WITH THE WIND’

CLINTON’S OLD STOMPING GROUNDS

Arkansas is perhaps best known as Bill Clinton’s home state, so no list of tourist

world who represent different eras and styles of jazz. Called “Newport Jazz Festival: Now 60,” the tour kicks off Feb. 8 in Atlanta and includes dates in Boston, New York, Chicago, Kansas City, Mo., and Los Angeles. Other concerts are expected later in the summer, including some dates in Europe. This year’s festival is scheduled for Aug. 1-3 in Newport.

The Newport Jazz Festival is kicking off its 60th anniversary with a 17-city U.S. tour. The concerts in February and March will feature an ensemble of jazz artists picked by festival creator George Wein. They include NEW YORK clarinetist-saxophonist Anat Cohen, vocalist-pianist Karrin Guinness names N.Y. Allyson, bassists Larry gingerbread village Grenadier and Ben Allison, world’s ‘largest’ among others. Wein said the group feaGingerBread Lane, a tures artists from around the 300-square-foot village made

Braving the crowds at NYC’s Rockefeller Center The Associated Press

HISTORIC HIGH SCHOOL

The Little Rock area is no Hollywood, but it does have a bit of cinematic history. Across the river from Little Rock in North Little Rock lies the Old Mill, which appeared in the opening scenes of the film “Gone with the Wind.” The Old Mill was built in 1933 as a replica of a waterpowered mill from the 1800s. These days, the scenic spot is used for picnics and photo shoots. Details: nlr.ar.gov/ visitor/old-mill.asp

A young girl checks out the macaroons at Bouchon Bakery in New York’s Rockefeller Center. (AP ﬁle)

A couple strolls past The Old Mill in North Little Rock, Ark. An image of the structure was featured in the ﬁlm “Gone With the Wind” and picnics and photo shoots often are held at the scenic site. (AP ﬁle)

attractions would be complete without something related to the 42nd president. Clinton’s presidential center charges admission on all but a few days, but the governor’s mansion, where he and Hillary lived for years in

Arkansas, is free. The mansion offers public tours on Tuesdays and Thursdays, but you’ll need to call ahead to schedule one: 501-324-9805. Details: arkansasgovernorsmansion. com

entirely of edible gingerbread, icing and candy, has been designated world’s largest gingerbread village by Guinness World Records. The 1.5 ton village is on display at the New York Hall of Science in Queens through Jan. 12. It’s comprised of 160 gingerbread houses, numerous candy trees, gingerbread cable cars and trains, an underground candy subway station and a skating rink. Gingerbread Lane took a year to develop and complete and is the brainchild of chef Jon Lovitch. Lovitch plans to give away the gingerbread houses at the

close of the exhibit. ANGEL FIRE, N.M.

Ski runs open at Angel Fire, Sandia The list of New Mexico ski resorts open for the season is getting longer. Angel Fire Resort in northern New Mexico and Sandia Peak Ski Area just outside of Albuquerque opened as the latest blast of winter crossed the state recently. Many resort managers say they’re seeing some of the best skiing conditions the area has experienced in more than a decade.

Adventurous eaters should head straight to Xi’an Famous Foods. Anthony Bourdain discovered Xi’an back when the only locations were in Lower Manhattan’s Chinatown and a mall in Queens, but the midtown Manhattan shop makes it possible to visit the tree and eat your noodles within the same hour. Just be warned, Xi’an is crazy-busy at lunchtime, with a line out the door of its tiny quarters even when it isn’t Christmas time. Spicy cumin lamb with Xi’an’s signature long, hand-pulled broad noodles is a crowd favorite; you can watch the cooks stretching and twirling the noodles while you wait. Xi’an does not use the term “spicy” in jest, by the way: We’re talking nose-running, lips-numbing spicy. It’s also messy, greasy and yes, delicious. The large menu has mild dishes if you can’t tolerate heat, along with ingredient options ranging from vegetarian to oxtail. There are only a few seats in the rear, so stake out a spot after you place your order if you don’t want to your food to go. Foodies will also feel right at home at Num Pang Sandwich Shop, which offers Cambodian sandwiches on baguettes, with rich, flavorful fillings like hoisin meatballs, coconut tiger shrimp or five-spice glazed pork belly. The sandwiches get their crunch from cucumber and

IF YOU GO Bill’s Bar & Burger: 16 W. 51st St., billsbarandburger.com Bouchon Bakery: 1 Rockefeller Plaza, bouchonbakery.com Fig & Olive: 10 E. 52nd St., Manhattan, ﬁgandolive.com Halal Carts: Along Sixth Avenue, from 48th to 53rd streets Num Pang Sandwich Shop: 148 W. 48th St., timessquare. numpangnyc.com Xi’an Famous Foods: 24 W. 45th St., xianfoods.com

pickled carrots; cilantro and chili mayo add to the complex flavors. The vibe is chill and hipster, with graffiti murals, electronic music and handwritten menus on blackboards. The long lines move fast and the informal seating area accommodates the crowds. HALALS AND PASTRIES

Once upon a time, street food at Rock Center meant hot dogs and doughy hot pretzels, but it’s the “halal” or Middle Eastern food vendors who are ubiquitous these days, with carts on every cross street west of Sixth Avenue (that’s Avenue of the Americas for those of you who don’t live here), across from Radio City Music Hall. The most popular halal stand with the longest line is at 53rd Street. Grilled chicken over yellow rice is a crowd favorite, or try falafel in pita with “everything on it” (tomatoes, onions, lettuce, tahini sauce, spicy red sauce, hot peppers and who knows what else). Some corners have other vendors selling everything from pirogis and schnitzel to meatballs and Korean barbecue. If you don’t object to chains — and bear in mind that mom-and-pop restaurateurs can’t easily manage midtown rents — Fig & Olive offers a slightly upscale setting for tapas and small plates inspired by cuisines of coastal Spain, Italy and the south of France. Perfect for sharing: olives, cheeses, jamon (ham), beef carpaccio and crostini with delightful topping combos like eggplant, fig, tomato and basil. Heartier fare includes soups, pastas, paella and chicken tagine. Fig & Olive’s dining room has a sophisticated vibe that attracts a lot of local business lunches.

H8 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Travel

CURRENCY E XCHANGE

Approximate value of a U.S. dollar in these markets, as of Wednesday.

Euro — $1.38 Canadian Dollar — $1.06 Swiss Franc — 0.88

Mexican Peso — 12.89 Japanese Yen — 102.37 Indian Rupee — 61.12

Thai Baht — 32.07 New Zealand Dollar — 83¢ Australian Dollar — 90¢

Swedish Krona — 6.50 Philippine Peso — 44 Brazilian Real — 2.31

Euro, New Zealand dollar and Australian dollar rates given in U.S. equivalent; all others given in foreign equivalent.

From left, “Lonely Planet’s Best in Travel 2014” names Grand Rapids as the top destination for 2014, “Where to Eat Around the World” gives restaurant tips for all your vacation spots and “The Real Wonders of the World” introduces young readers to cool places to visit. (AP)

NEW YORK

2014’s best leisure guides are out in time for the New Year — or for a last-minute stocking stuﬀer

Travel books: Lonely Planet, food, winter sports By Beth J. Harpaz

guides are due out in January, but as Frommer points out, the actual books have one advantage: “They don’t run out of power.”

The Associated Press

hether you’re planning a trip in the new year and need some practical advice, or you’d like to give a coffee-table book filled with inspirational photos to someone on your Christmas list, there’s a travel-themed book for you. Here are a few recently published books to consider, including the relaunch of Frommer’s guidebooks.

DESTINATION INSPIRATION

FOOD AND TRAVEL

Many travelers are passionate about food, whether it’s enjoying that perfect meal on vacation or hunting down authentic local cuisine. Travel + Leisure magazine’s “Where to Eat Around the World” ($35) is a coffee-table book spotlighting food in 27 destinations, from the lunch canteens and taverns of Istanbul to barbecue in Texas. Travel + Leisure has also come out with a 2014 calendar, “World’s Best Places” ($15). Lonely Planet’s “The Food Book: A Journey Through the Great Cuisines of the World” ($25) is a reference guide to cuisines from 47 countries with details on ingredients, dishes, drinks, eating habits, local produce, etiquette, shopping, culinary traditions and even utensils. Also from Lonely Planet, “A Fork in the Road” ($16) offers 34 stories from chefs from Marcus Samuelsson to Madhur Jaffrey. FROMMER’S, RELAUNCHED

Arthur Frommer and his daughter, Pauline, have relaunched their guidebook enterprise with 30 new titles. The relaunch marks a new publishing chapter for the Frommers, who sold their brand to Google in 2012, then reacquired it earlier this year.

Frommer’s handbook to New York and a ski and snowboard lover’s dream guidebook are shown.

“We regained the travel series on April 3 and spent the next six months working around the clock,” Frommer, 84, said in a phone interview. “I never dreamed at my age I’d be working this hard! We created freshly researched books from beginning to end,” written by authors with whom the Frommers had worked and who “have devoted their lives to writing about the destination where they live.” There are 10 new Frommer’s “Day by Day” guides, which are compact paperbacks ($13.95) with removable maps, packed with everything from sample one-, two- and three-day itineraries, to recommendations for shopping, nightlife, restaurants, excursions and neighborhood tours. The new “Day by Day” guides cover New York City, San Francisco, Honolulu and Oahu, Prague, London, New Orleans, Paris, Rome, Boston

and Philadelphia. Frommer’s also has newly published 20 “EasyGuides,” priced at $10.95. “The EasyGuides create a new price point,” Frommer said. “Plenty of travel books sell for under $10, but many of them are just 40 to 60 pages long. These books are 256 pages and contain a full-size foldout waterproof map bound in the back.” The EasyGuides cover Alaskan cruises and ports of call, Australia, Colorado, Costa Rica, France; and a separate book on Paris, Hawaii, Ireland, Israel, London, Las Vegas, Madrid and Barcelona, Miami and Key West, Montreal and Quebec City, New Orleans, New York City, San Francisco, Washington, D.C., Walt Disney World and Orlando; and a single guide to Rome, Florence and Venice. E-book versions of all the new Frommer

For the armchair traveler or the vacation planner, National Geographic’s “Four Seasons of Travel: 400 of the World’s Best Destinations in Winter, Spring, Summer, and Fall” ($40) showcases destinations near and far by season. Perigord, France, for example, is noted for its wintertime truffle hunts, while Sweden’s Gotland Island marks a 14th century battle each August with jousting tournaments, banquets and more. For powderhounds, “Fifty Places to Ski & Snowboard Before You Die,” by Chris Santella ($25), looks at snow sports destinations around the world, from the European Alps to Chile’s Portillo to Kashmir, in India, to ski areas all over North America, from New England to the Rockies to Alaska. “Rome Secrets: Cuisine, Culture, Vistas, Piazzas,” ($60), by Susan Wright, is a visual love letter to the city, its architecture, food, streetscapes and people. More feasts for the eyes are found in Lonely Planet’s “Beautiful World” ($40), which offers a collection of stunning photos, mostly landscapes of natural phenomena, from sand dunes to icy waterfalls. Lonely Planet’s “Great Escapes” ($40) provides ideas and photos for 75 trips, such as the “Belgian beer odyssey” or visiting the Dead Sea in Jordan. Also from Lonely Planet, “Best in Travel 2014” ($15) offers vacation inspiration in a paperback. For kids, Lonely Planet’s “Not-ForParents” series is out with “The Real Wonders of the World” ($20), introducing young readers to cool places, from the Great Pyramid of Giza to New Zealand’s “Lord of the Rings” locations.

ALBUQUERQUE, N.M.

Thinking about an away Christmas next year? New Mexico offers luminarias, processions The Associated Press

No matter when you visit New Mexico, the state’s cultural mix is part of the appeal. Spanish colonial history, Native traditions and Anglo and Mexican influences are seen year-round in everything from architecture to food, but the Christmas season offers additional ways to experience this unique heritage. CULTURAL TRADITIONS

Hallmarks of the holiday include the luminaria and farolito traditions. These candles, usually placed in paper bags weighted with sand, look like lanterns and are carried in nighttime processions or lined up along streets, driveways or rooftops to create a display. Luminaria also can refer to a bonfire, while the term farolito is more likely to be heard in Santa Fe and Northern New Mexico than in

Albuquerque. And while fir, balsam and pine perfume the air at Christmas in other parts of the country, here it’s the scent of burning juniper and pinon. Many places in New Mexico host annual events Christmas Eve and Christmas Day centered around the luminaria tradition. The main plazas of Albuquerque and Santa Fe are decorated with thousands of luminarias. Albuquerque offers walking tours of luminaria displays on Christmas Eve, while Santa Fe hosts a procession called Las Posadas, which tells the story of Jesus. Spectators gather with candles in the city’s historic plaza to watch the parade, which is followed by a “Christmas at the Palace” event at Santa Fe’s Palace of the Governors. This event includes Hispanic, Anglo and native traditions, from carol-

Albuquerque oﬀers walking tours of luminaria displays on Christmas Eve.

The historic plaza in Santa Fe, N.M., is all lit up for Christmas. A blend of Spanish, Anglo and native traditions mark the holiday season in New Mexico. (AP)

ing to Native dances to an appearance by Santa and Mrs. Claus. Midnight Christmas Mass is held at the nearby Cathedral Basilica of St. Francis de Assisi. In Santa Fe’s Canyon Road

area, known for art galleries and studios, there also is a farolito walk on Christmas Eve, with businesses around the neighborhood offering hot cider, hot chocolate and posole, a hearty soup that’s

traditional around Christmas. Also in Albuquerque, the River of Lights runs through Dec. 19 at the BioPark Zoo and Botanical Gardens, with a walk-through lighting display and entertainment. Near Santa Fe and Taos, some of New Mexico’s pueblos — the traditional Native communities that often date back centuries — hold dances during the winter months, and some also host torchlight processions of the Virgin Mary on Christmas Eve, with dances on Christmas Day and New Year’s Day. New Mexico’s ski resorts

— Angel Fire Resort, Ski Apache and Taos Ski Valley — host torchlight parades on Christmas Eve and fireworks on New Year’s Eve. At Valles Caldera, there’s New Year’s Eve cross-country skiing and snowshoeing beginning at 5 p.m. and ending with fireworks at 8 p.m. In Carlsbad, visitors can buy tickets for a boat ride down the Pecos River nightly through New Year’s Eve (except for Christmas Eve) to see lights and decorations on houses and docks along the waterfront. The 19th century gunman Billy the Kid was put on trial in 1881 in the Las Cruces area. Today, you won’t find outlaws here, but the Plaza at Old Mesilla will be lined with luminarias on Christmas Eve, and on Christmas, the historic, opulent Double Eagle Saloon hosts a feast.

For the latest breaking news, go to mlive.com

Business

SECTION

SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Rick Haglund

haglund.rick @gmail.com

The real story of Michigan’s economy

friend of mine told me last week that his longheld, full-time job is being reduced to part time and his salary cut in half. My friend’s misfortune runs counter to the narrative that Michigan is “the comeback state” with an economy purring as smoothly as the engine of a new Lansing-built Cadillac. Yes, job growth is on the rise again, as the state has added more than 270,000 payroll jobs since the end of the Great Recession in July 2009. Plus, some people lose their jobs and have their hours cut in the best of times. It’s the nature of a dynamic economy where jobs are simultaneously created and destroyed. But a couple of recent reports show Michigan’s economy is running rough, and the “check engine” light is flashing on the dashboard. A monthly state labor market study based on October jobs numbers shows Michigan ranks in the bottom tier of states in important areas such as employment, the labor force participation rate, per capita income and economic output per capita. Forget about Michigan’s unemployment rate, which, at 9 percent in October, was the third-highest state jobless rate in the country. The real jobless figure in the third quarter of this year ending Sept. 30 was 15.8 percent, according to the state’s Bureau of Labor Market Information and Strategic Initiatives. That figure comes from the “U-6” measure, which includes those who have given up looking for work and those who are working part time but want full-time work. Just 60.3 percent of Michigan working-age adults were in the labor force in October, the lowest rate among the Great Lakes states and 39th lowest in the U.S. But the most worrisome concern is for those who eventually will become the heart of Michigan’s work force — its children. One in four Michigan children were living in poverty in 2011, according to the annual Kids Count report from the Michigan League for Public Policy. And nearly 40 percent of them qualified for federal food assistance last year, because their families were living on incomes less than 130 percent of the federal poverty rate of about $31,000 a year for a two-parent, twochild family. Children growing up in poverty are more likely to become poor adults, inadequately prepared to participate in an economy that requires a mix of technical and social skills. Michigan needs to make sure as many people as possible possess those skills if it wants to have a truly healthy economy.

Owners Bob Gillion, left, and Thom Clark, right, of Retro, a vintage furniture seller, stand behind the counter at their new location on South Westnedge Avenue. (Chuck Miller/MLive.com)

KALAMAZOO

Retro owners say new location in Vine neighborhood is like coming home By Yvonne Zipp

The Facade Improvement program offers grants and loans for exterior enhancements ob Gillion and Thom Clark love vintage. to nonresidential buildings in neighborhoods Their 13-year-old business, Retro, spethat have at least a 20 percent poverty rate. cializes in mid-century pieces from the Businesses could receive up to $20,000 in grants 1950s, ’60s and ’70s. and needed to supply 10 percent of the cost of the And, after the City Commission improvements. approved their Facade Improvement The Kalamazoo City Commission unanimously grant Monday, they will be able to restore the approved nine Facade Improvement projects outside of their 100-year-old building at 1301 S. totaling $162,024 at its meeting Monday. Other Westnedge Ave., Clark said. businesses that received grants include the “It’s a restoration, not a renovation,” Gillion Stuart Avenue Inn, 1977 Mopeds, Lightning Kicks said. “We’re going to bring it back to the way it Martial Arts and Fitness and McNally Elevator was in the 1920s.” Co., which also took out a $9,263 loan. The project fits with their business ethos: Retro Formerly located on the Kalamazoo Mall, Retro’s Retro, which is supplying an owner’s match only sells original pieces and doesn’t perform any new location has more space and storage areas. of $2,098, received an $18,882 grant toward alterations to the furniture, Clark said. repairing a leaning storefront, repairing the MAVCON Properties LLC, which was responsi- Dec. 23 until Jan. 1. crumbling brick facade, repairing the lintel and ble for the $11.3 million restoration of four historic The building is more than 100 years old, with re-brick and repairing the wood frame portion of buildings on East Michigan Avenue, will begin space added in the 1920s, and Clark and Gillion the facade. work on repairing the crumbling brick and the said they want the storefront to maintain its “It’s wonderful,” Gillion said. lintel and sagging wood frame in January, Clark original appearance. “I never would have expected such a thing to be said. The project is estimated to take three weeks. The Kalamazoo Business Assistance Program available.” Clark and Gillion said they also plan to repaint uses Community Development Block Grants Clark and Gillion already owned the storefront and install eight vintage outdoor lights from the from the U.S. Department of Housing and Urban at 1305 S. Westnedge, which was Retro’s home for 1920s, which they purchased at an estate sale. Development, said Dorla Bonner, compliance spe- seven years before it relocated to the Kalamazoo The work is expected to be completed by the cialist for Community Planning and Development, Mall in 2010. end of January, Clark said. It won’t look dramatiwhich oversees the program. “We loved the Mall, but we outgrew the space,” cally different to folks driving by, but that’s the The program is designed to help low-income Gillion said. point, he said. Construction should begin after the neighborhoods by improving the businesses In May, they purchased the adjacent location at store’s holiday closure, which this year runs from located there, Bonner said. 1301 S. Westnedge.

yzipp@mlive.com

PEOPLE ON THE MOVE Stacy Zolp, certiﬁed physician assistant, has joined the staff of Borgess Orthopedics, part of the Borgess Bone & Joint Institute. Zolp previously was a physician assistant in the Immediate Care Clinic at Borgess at Woodbridge Hills in Portage. Zolp has a master’s in medicine degree with a concentration in physician assistant studies from Wayne State University (2009). She also received a bachelor’s degree with a concentration in medical technology from Michigan State University (2006). She is an adjunct faculty member in the physician assistant studies program at Grand Valley State University.

William Davis, nurse practitioner, has joined DeLano Outpatient Clinic, part of Borgess Behavioral Davis Health. Davis has extensive experience in the mental health ﬁeld and most recently was a psychiatric nurse practitioner with Kalamazoo Community Mental Health. He has a master’s degree in nursing, psychiatric and mental health nurse practitioner studies from Wayne State University in Detroit, and a master’s degree in nursing from Norwich

Velkoﬀ

Nespodzany

University in Northﬁeld, Vt. Davis also has a bachelor’s degree in nursing from Andrews University in Berrien Springs and is a member of the American Academy of Nurse Practitioners and the Michigan Council of Nurse Practitioners. Kalamazoo resident Dee Velkoﬀ has joined Comerica

Bank as vice president of middle market lending. Velkoff serves as a relationship manager, assisting the bank’s middle market clients in Southwest Michigan and northern Indiana with their lending and ﬁnancial needs. A 26-year banking veteran, Velkoff most recently was senior vice president of business banking — Southwest Michigan and Northern Indiana for Bank of America. She has a bachelor’s degree and a master of business administration degree from Western Michigan University. Buﬀy Nespodzany has joined Western Michigan University’s career and student employment

services team as an employer relations specialist. Nespodzany has a bachelor’s degree in management and international business from Northwood University and a master’s degree in leadership for organizational learning and performance from Western Michigan University. She will spearhead employer recruitment and internship development for students. The Mattawan resident most recently was a certiﬁed small business consultant and training coordinator for the Michigan Small Business Training Development Center at WMU. Before that, she was a group business development manager for General Growth Properties.

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I2 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Business Dave Ramsey

OSHTEMO TOWNSHIP

This time, I’ll be your secret Santa adviser

Planning Commission: Ninth Street not the right spot for outdoor farmers market

MLive.com

My wife and I have $15,000 in debt left to pay off. We bring home around $32,000 a year, and we usually spend $250 to $300 on Christmas. I started talking to her about your plan this year, and she finally agreed and got on board a couple of months ago. How should we handle Christmas budgeting in the middle of working on our debt snowball?

The first thing I’d Amy name suggest is to not mention for a while. If she

has agreed to start working the plan and help you guys get control of your money, that’s enough for now. We don’t want to cause a rift during the holidays. Just sit down together and ask her what she thinks is a reasonable amount to spend for Christmas while you’re trying to get out of debt. If it’s a reasonable figure, smile and tell her you agree. You might even ask if she is OK with your old Christmas budget. If she is, pencil it in and move on to other things. The big thing is to make sure you listen to her opinion and work on this together. On the off chance she gives some crazy dollar amount, just nod and ask how she came to that figure. Then, talk things out. Don’t bring up my name or go crazy about things. It sounds like you two are on the right track.

SWITCH TO ROTH TSP? Do you think I should consider switching from my traditional Thrift Savings Plan to a Roth TSP?

I’d go with the Roth TSP. if you’re starting out AreallyNow, late with your saving

and investing, the math might work out either way. But, in most cases, when you’ve got several years ahead of you, a Roth TSP, or even a Roth IRA or Roth 401(k) where your money grows tax-free, is a much better choice. Remember, unless you’ve waited until you’re in your 60s, the vast majority of the money in the account will be growth. Ten percent or less will be the money you put into it. This tax-free growth is what makes the Roth TSP an excellent choice. In other words, if you’ve got $1 million in your current investment, and $900,000 is growth, you’ll get taxed on that portion. That would amount to around $300,000. If your money is in a Roth, there are no taxes. You just saved $300,000 out of every $1 million. Not a bad deal, is it? Email: askdave@ daveramsey.com.

By Al Jones

lot of people in Oshtemo Township said they like farmers markets and think one would be a benefit to the township. But most of those who spoke at a Dec. 12 public hearing rejected the idea of having one in the area behind the Mangia Pizza & Pasta Co. restaurant at 3112 S. Ninth Street. Winding up a 90-minute public hearing on the matter, members of the Oshtemo Township Planning Commission rejected a request for a special exception use by the restaurant’s owner’s Emilio Dacoba for a temporary outdoor farmers market. The market was proposed for on Saturday and Sunday mornings between Memorial Day and Labor Day. Parking was the primary issue. Rick Van Gorp, owner of The Birches at 3082 S. Ninth St., was among those who said there would not be parking for the many visitors the market is expected to attract, up to 2,500 at any one time. Planning Commission members said they liked the idea of a farmers market, but they unanimously rejected the location proposal.

John Templin, of Butternut Sustainable Farms, talks to customers at Kalamazoo’s Bank Street Farmers Market on Sept. 21. Those who spoke for and against a proposal to use an area of Ninth Street in Oshtemo Township for such a market said they have patronized the Bank Street Market and the farmers market in Texas Township. (MLive.com ﬁle)

AT THE WATERCOOLER WORTH NOTING • Dec. 6 was Innovation Day at Western Michigan University’s College of Engineering and Applied Sciences. From 12:30 to 3:30 p.m., engineering students from Entrepreneurial Engineering (ENGR 3010) and a freshman Engineering Design course (ENGR 1010) presented their concepts and prototypes for new businesses in the main lobby of the college facility. A total of 55 students presented 17 product ideas, actively trying to secure “investments” in their concepts from visitors to the event who had E-Dollars (Engineering Dollars) given to them as they arrived so they could listen to student pitches and “invest” in the concepts they found most innovative. Representatives from area com-

panies were among the visitors to the event, coordinated by Tycho Fredericks, professor of industrial and manufacturing engineering. Product categories included products for emerging/developing economies; educational toys; products that can save lives during natural or manmade disasters; products for campers, trekkers and outdoorsmen; products useful to police, fire or emergency service organizations; and products with significant health benefits. • Nasim Ansari, of Portage, was among three people recently reappointed by Gov. Rick Snyder to the Asian Pacific American Affairs Commission. The 21-member commission advances the full and equal participation of Asian Pacific

Americans in Michigan. Ansari, who was re-elected in November to a four-year term on the Portage City Council, spent 18 years as a regulatory compliance ofﬁcer with the department of public services for the city of Kalamazoo and is a former Kalamazoo County commissioner. He has a master’s degree in chemistry and a degree in public administration from the University of Sind, in Pakistan. He also has a master’s degree in business administration from Western Michigan University. • A dozen community carolers visited the houses of elected state legislators from West Michigan on Wednesday to sing holiday jingles with lyrics about raising Michigan’s minimum wage. The Kalamazoo and

Portage residents are members of Michigan United. They were to visit the homes of houses of Rep. Margaret O’Brien, Sen. Tonya Schuitmaker and Rep. Sean McCann. Michigan United contends that at the end of this year’s legislative session, state representatives have avoided taking action on raising minimum wage. The organization argues many working families across the state have workers who toil at minimum-wage jobs that do not pay enough to cover basic necessities. • Bell’s Brewery is looking for artists for a special project as part of its events for Kalamazoo Beer Week 2014. Beginning Tuesday, Bell’s began accepting designs from fans for a Bell’s or craft beer-related mosaic to be assembled with

bottle caps during a KBW event in January. Designs must incorporate the colors gold, black, green, silver, orange, red, white and/or yellow. “This is a project that celebrates our local art culture and gives back to our community,” said Laura Bell, vice president of Bell’s. The completed mosaic will be about 5 feet tall by 3 feet wide and will be auctioned off on Jan. 18. Proceeds are to beneﬁt the YWCA of Kalamazoo. The deadline to enter is Friday. Judges will pick ﬁnalists, and their designs will be uploaded to a Facebook photo album to be voted on. The entry with the most Likes by Jan. 3 will be assembled at a Craft Beer and Crafts Night on Jan. 13 at the Eccentric Cafe in Kalamazoo. More information is available at bellsbeer.com.

MEETINGS SIX DEGREES BNI MEETING Sponsor: The Six Degrees Chapter of Business Networking International What: Networking meeting When: 7-8:30 a.m. Tuesday Where: Bronson Athletic Club, 6789 Elm Valley Drive, Kalamazoo More Information: Virgil Kelpin, 269-207-3946 EXCEEDING EXPECTATIONS BNI MEETING Sponsor: Exceeding Expectations Chapter of Business Network International What: Networking meeting When: 7:30-9 a.m. Tuesday Where: Kalamazoo Institute of Arts, 314 S. Park St.

More information: John Clark, 269-321-5041 WESTSIDE KIWANIS CLUB Sponsor: Kalamazoo Westside Kiwanis Club What: Business meeting When: Noon Tuesday

When: 12:15 p.m. Wednesday Where: Beacon Club More Information: Charles Smith, 269-372-1759 GREAT EXPECTATIONS BNI Sponsor: Great Expectations Chapter of Business Network International

When: 7:30-9 a.m. Thursday Where: Kalamazoo Institute of Arts, 314 S. Park St. More information: Ed Giffels, 269-217-0331

SALES TEAM BNI Sponsor: The Sales Team Chapter of Business Networking International

BNI SUCCESS CIRCLE

More information: Alice M. Witt, 269-337-6909

More information: Jack Ginther, 269-345-7598

Where: Best Western Suites, 2575 S. 11th St., Oshtemo Township

What: Business meeting

What: Networking meeting

Where: Michelle’s Restaurant, 4010 Gull Road, Kalamazoo

What: Networking meeting

Sponsor: AMBUCS-American Business Club of Kalamazoo

Sponsor: Success Circle Chapter of Business Network International

OSHTEMO ROTARY CLUB Sponsor: Oshtemo Rotary Club What: Weekly luncheon business meeting When: Noon Thursday Where: Oshtemo Community Center, 6407 Parkview Ave. More information: Kitty Gelling, 269-375-6215

Where: The Fountains at Bronson Place, 1700 Bronson Way

AMERICAN BUSINESS CLUBS OF KALAMAZOO

What: Networking meeting When: 7:30-9 a.m. Thursday Where: Bronson Athletic Club, 6789 Elm Valley Drive, Kalamazoo More information: Anders Bergh, 269-216-2939, or Tom Cione, 269-245-6949

When: 7-8:30 a.m. Thursday

More information: Dan Liehr, 269-720-9931

SUNRISE KIWANIS Sponsor: Kalamazoo Sunrise Kiwanis What: Business meeting When: 7:30-8:30 a.m. Friday

Kim Komando

Four ways to boost your home wireless Internet connection

e all love lounging around the house with our laptop, e-reader or tablet. But it’s a lot less fun when the Internet is slow. Here’s what to do when that starts happening. 1. TEST INTERNET SPEED

The first step to diagnosing your speed woes: Find out how fast your Internet is. If you’re using a laptop, first restart it to make sure the slowdown isn’t coming from too many windows open or songs and movies playing. Then, hook it up directly to your cable or DSL modem. That will give you a benchmark for your Web speed. Make a note of the speed from time to time and make

sure you’re getting the level you’re supposed to be getting from your Internet plan. Then, test the speed again on your wireless network and compare the two numbers. If they’re pretty much the same, you know your Wi-Fi is OK and you’re just not getting enough out of your Internet provider. Upgrade your plan to get faster speeds, or complain to your provider. But if your computer’s speed is slower on your Wi-Fi, well, there’s a problem. 2. UPDATE ROUTER

Everyone remembers the iconic image of Steve Jobs unveiling the first iPad. For geeks like me, that was less important than a milestone

that came the year before: the Institute of Electrical and Electronics Engineers published the 802.11n wireless networking standard. The “n” is what was new. Take a look at your modem. If it’s labeled 802.11b or g, it’s past time to get a new one. It’s worth the price: You’ll notice a significant boost in your speed and range. These days, an even newer standard called 802.11ac already is available in many recently released devices, but it’s still rare and pricey. If you already have a wireless N router, a firmware update still might increase your network’s reliability, speed and security. Each router is a little different

when it comes to updating firmware. You’ll need to check your router’s manual or the manufacturer’s website for step-by-step instructions.

big for your modem, or walls are blocking your signal. Your modem just needs a little help. That’s exactly what a wireless extender (also called a repeater) works. It 3. TAKE A QUICK INTERNET grabs your Wi-Fi signal and SURVEY OF YOUR HOUSE resends it on the same freI don’t want to point any fin- quency to the farthest regions gers, but I’d check in with the of your house. If your current kids or anyone else using your router can’t quite make it all Wi-Fi to make sure they’re not the way, an extender gives you sucking up your bandwidth extra range. with online video, gaming or Now, a wireless extender (horrors) file-sharing. isn’t necessarily the best soluThat can bring down the tion. Because it has to receive quality of the service very and retransmit on the same quickly. signal, an extender will cost you half your Wi-Fi speed. 4. BUY A WIRELESS Before you shell out the EXTENDER cash for a repeater, try movI have one more suggestion. ing your router to a more It could be your house is too central location in your house.

Put it as high as possible and away from fridges and filing cabinets. If all else fails, you could get plenty more signal with this fun and effective hack using a beer can. Check out my howto video at bit.ly/MVBQSU. — Copyright 2013, WestStar Multimedia Entertainment. All rights reserved. Kim Komando hosts a talk radio show about consumer electronics, computers and the Internet. To get the podcast, watch the show or find the station nearest you, visit komando.com/listen. To subscribe to Kim’s free email newsletters, sign up at komando.com/ newsletters.

THE WEEKLY GUIDE TO MANAGING YOUR MONEY

WSJ.com/Sunday

‘No One Expected ... ’ the Big Financial Surprises of 2013

was stocks in supposedly fastgrowing “emerging markets” such as China, Russia, India, Brazil, Taiwan and South Korea. They loved these markets as much as they loathed Japan. But emerging markets actually fell 3.5% in U.S.-dollar terms this year, according to index company MSCI. And that’s even when you count the dividends.

BY BRETT ARENDS

On Wall Street things rarely turn out quite the way you expect, and this year was no exception. The biggest surprises this year? No one expected...

...Stock markets to soar. Even though U.S. stocks came into the year already overvalued according to many long-term measures, they boomed nonetheless. The S&P 500 posted an astonishing total return of 27%, putting most other major markets in the shade. Who expected this? Not money managers. The Barron’s Big Money poll of investment managers in late 2012 showed a big upturn in bearish sentiment. Fewer than half of those polled were bullish on markets for this year. The number of

Bill Butcher

...Netflix to zoom. The online TV and movies company came roaring back from turmoil and crisis in 2012 and was the best performer this year in the S&P 500 stock index. Netflix stock quadrupled in 2013, as viewers flocked to the service to “binge watch” hit programs such as “House of Cards,” a Netflix original starring Kevin Spacey, and “Breaking Bad,” the AMC series about a high-school chemistry teacher who turned into a drug lord. Who expected this? Certainly not the Wall Street analysts who are paid to. According to Thomson Reuters, at the start of the year an astonishing 30 of the 36 analysts who covered Netflix rated the stock either a miserable “hold” (which is generally Street-speak for a “sell”) or an outright sell. That’s about as bearish as analysts get. As recently as last spring, the average target price for the stock was $139. It closed last week at $376.

bears, who expected the market to fall, doubled.

...Larry Summers to crash. The great tap dancer of Washington and Wall Street politics finally ran out of dance floor. Mr. Summers, former Treasury secretary, Harvard University president, economic adviser to President Obama and hedge-fund executive, was reported earlier in the year to be the favorite to succeed Ben Bernanke as chairman of the Federal Reserve. But Democrats on Capitol Hill put up stiff opposition. As pressure mounted on the president to appoint Mr. Summers’s more amenable rival, the eventual pick Janet Yellen, Mr. Summers bowed out of the race.

...Housing to take off. Mortgage rates leapt this year, as many had long feared. The rise in long-term interest rates, fueled by a strengthening economy, sent interest rates on 30-year conventional mortgages rising a third from 3.3%, at the start of the year, to 4.4% by the end. Though that drove up the cost of buying a new home, the

INVESTOR’S CALENDAR Reversal of Fortunes

The Federal Reserve’s announcement on Wednesday that it would begin cutting back its monthly bond buys sent the drifting stock market soaring. The Dow Jones Industrial Average gained 3% for the week. And with just seven trading days left in the year, the Dow is up 23.8% for 2013

16221.14

16000

15750

15500

Source: WSJ Market Data Group

THIS WEEK  Holiday: On Tuesday, Christmas Eve, the stock market closes at 1 p.m. and the bond market is recommended to close at 2 p.m. On Wednesday, the stock market is closed and the bond market is recommended to close. Wall Street Journal Sunday writers regularly contribute to the Journal’s weekday “Your Money Matters” personalfinance podcast. Listen at WSJ.com/Podcasts  Indicators: November consumer spending is due out Monday, and new-home sales for the month on Tuesday.

LAST WEEK  Taper Time: Federal Reserve Chairman Ben Bernanke gave the U.S. economy a nod of approval a month before he steps down, moving the central bank to begin winding down its stimulus program. The economy grew a healthy 4.1% in the third quarter, Commerce reported Friday.  Higher Fees: Mortgage gi-

2 Dec.

And, of course, 2013 wasn’t without its major fails either. Here are just six of them: Healthcare.gov doesn’t work: “Anyone here have Bezos’s cell number?” JP Morgan Chase’s woes: Beleaguered lawyers rejoice: $23 billion set aside to cover legal costs! Hostess bankruptcy: Cake hoarders give “Twinkie defense” new meaning. Tech companies and NSA spying: “No worries. How will anyone ever ﬁnd out?” Lululemon’s bad-ﬁt yoga pants: What do you say when a woman asks, “Does this make me look fat?” Food drive for Wal-Mart workers: “Everyday Low Wages.” housing market shrugged it off. Prices kept rising, defying the predictions of a correction. A measure of national house prices tracked by Zillow, the online real-estate company, ended the year up more than 5%. Prices in Florida were up 15% on the year, those in California, an astonishing 23%.

...Gold to plummet. According to one reading of the ancient Mayan calendar, the world was due to end in De-

cember 2012. But the most fervent fans of gold were almost as gloomy. For years they have been predicting disaster. This year many of their warnings seemed prescient: The U.S. national debt broke $17 trillion for the first time ever. The U.S. government shut down amid political dysfunction and came within days of defaulting on some of its bonds—an economic earthquake that would have shaken the entire global finan-

cial system to its foundations. Detroit filed for the biggest municipal bankruptcy in history. And gold? It fell another 26%, one of the sharpest annual slumps on record, to just over $1,200 an ounce. “It was a bad year to bet on the end of the world,” jokes Larry Glazer, portfolio manager at Mayflower Advisers.

...Japan stocks to boom. A year ago big money managers told Bank of America Merrill Lynch that they hated the Japanese stock market. Japanese stocks were among the most unloved asset classes in the world. The managers wouldn’t touch them with 10foot poles. How’d that work out? New Japanese Prime Minister Shinzo Abe launched expansionary economic policies and set the stock market on fire. The Nikkei 225 index of top shares rocketed 53% (in yen terms) this year.

...Emerging markets to sink. In the same Bank of America Merrill Lynch survey a year ago, top money managers said their favorite asset class

And certainly not... The world’s best-performing stock market this year, according to MSCI, was… anyone? Step forward, Bulgaria, whose market doubled in dollar terms. Other stellar performers included the United Arab Emirates (up 84% in dollars), Argentina (73%) and Zimbabwe (35%). Maybe the Mayans were on to something.

THE AGGREGATOR

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The Year Has Had Its Big Blunders, Too

...The new pope to “occupy.” Nobody expected Pope Benedict XVI to resign, the first to do so in nearly 600 years. And no one expected his successor, Pope Francis, to launch a scathing critique of the current financial system, attacking “an economy of exclusion,” “the new idolatry of money” and “a financial system which rules rather than serves.” But perhaps people shouldn’t have been so surprised. The Holy Father, who hails from Argentina, is said by some to keep by his bedside a radical book which says, among other things, that you cannot serve God and mammon. What’s more, it praises an ancient commune in which “all that believed were together, and had all things common. And sold their possessions and goods, and parted them to all men, as every man had need.” The book also contains a seditious story which seems to imply there is something wrong with worshiping a golden calf.

The Wall Street Journal

ants Fannie Mae and Freddie Mac said that, at the direction of their regulator, they will charge higher fees on loans to borrowers who don’t make large down payments or don’t have high credit scores—a group that represents a large share of home buyers.  Game On: Football fans learned they might find fewer game-day TV blackouts under a new Federal Communications Commission proposal, which would undo the National Football League’s blackout rule. The rule blocks the local broadcast of games if fewer than 85% of seats are sold 72 hours before kickoff.  Earnings: FedEx posted a 14% increase in its fiscal second-quarter profit.  New Ads: Facebook will introduce video ads, an effort to grab a slice of the TV-ad pie.  Soap Safety: The Food and Drug Administration proposed requiring makers of antibacterial hand soaps and body washes to show their products are safe for long-term daily use and are more effective than plain soap and water in preventing infections.

Lawrence Rout, Senior Editor Larry.Rout@wsj.com

David Crook, Editor David.Crook@wsj.com

Christopher Gay, News Editor Chris.Gay@wsj.com

Mark Tyner, Art Director Mark.Tyner@wsj.com

Lorri Wagner Business Partnerships (609) 520-4235 Lorri.Wagner@dowjones.com

Paul Carlucci Jr. Director of Sales (212) 597-5636 Paul.Carlucci@wsj.com

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What ‘Tapering’ Means for You

The Federal Reserve’s decision to start “tapering” its stimulus program should mean a rise in interest rates, which is both good and bad news, depending on your circumstances. The cost of student loans would rise, as would the cost of financing big-ticket items such as houses. People planning to sell their homes “need to realize that it could be more challenging a year from now,” says Lawrence Yun, chief economist for the National Association of Realtors. The average 30-year mortgage rate, currently around 4.3%, could rise to 5% or 5.5% next year, he says. Some consumers may be buying cars because they believe auto financing rates are headed up, says Karl Brauer, senior analyst at auto-pricing publisher Kelley Blue Book. On the upside, higher rates could mean a stronger dollar, so Americans would get more bang for their buck when they travel abroad—as long as they don’t use credit cards, experts say. Retirees on fixed incomes should do better with tapering. “Interest rates close to zero punish savers and retired folks,” says Mark Perry, a professor of finance and business economics at the University of Michigan-Flint. “Right now, consumers are getting almost zero interest on their checking or savings account.” —Quentin Fottrell MarketWatch.com

Target Shoppers, Beware

If you shopped at Target between Nov. 27 and Dec. 15, you could be a victim of one of the largest financial-data thefts ever. The retailer said Thursday that hackers may have stolen details of up to 40 million credit and debit cards used at its stores. What you need to know: If you bought at a Target store outside the U.S. or on Target’s website, there’s no need to worry. This was an instore issue, Target says. Otherwise, keep a close eye on your bank statements for anything that looks suspicious. If you spot anything odd, contact your bank—they all have a

Stat of the Week Giving Back: A percentage breakdown of American adults who donated money to charity (including religious organizations) this year and/or volunteered their time in the past 12 months: AGE

Donated money

18 to 29

Volunteered 69%

65%

30 to 49 65+

50 to 64

INCOME $75,000+ Less than 30,000

95%

76%

30,000 to 74,999

64 57

Source: Gallup survey of 1,031 U.S. adults aged 18 and older conducted Dec. 5-8; margin of error: +/- 4 percentage points. The Wall Street Journal

process to cancel such transactions. If there’s nothing suspicious on your account but you used a card at Target during the dates above, you can get your bank to cancel the card and issue a new one. As of late Thursday, Target said it had identified the source of the hack, that its systems were secure again, and that it did not appear that PINs had been stolen. If you want to rest easy, change your PIN anyway, especially if you

use the same one for other sensitive services. — Tom Gara WSJ.com

Ambiguous Dividends

Analysts have been projecting hefty increases in dividend payments this year, and recent headline figures haven’t disappointed: Boeing is raising its dividend by 50%, and 3M, by 35%, the companies announced last week. At the end of the third quarter, dividend payers in

S&P 500 index totaled 417 companies, or 84% of the index, marking a 17-year high. The number of S&P companies that increased dividend payments hit a 20-year high. S&P 500 companies paid a record $84.3 billion in dividends in the third quarter and $339 billion over the previous 12 months—more than double the figure paid 10 years earlier. By another measure, though, the companies don’t look so generous. S&P firms paid only 33% of their pershare earnings as dividends in the third quarter, down from a quarterly average of almost 45% since 1988 and nearly 52% since 1936, says Howard Silverblatt, senior index analyst for S&P Dow Jones Indices. Mr. Silverblatt expects the firms to pay about 36% of 2013 profit in dividends. Indeed, profit growth is outpacing dividend increases. “They’re still being cheap,” he says. —Maxwell Murphy And Vipal Monga, WSJ.com —Johanna Bennett, Barron’s The Aggregator features news and commentary from The Wall Street Journal and other publications. Email: lindsay.gellman@wsj.com

TIP OF THE WEEK

A Few Tips About, Well, Tips

BY LINDSAY GELLMAN

The holiday tipping season is upon us, so it’s time to show your appreciation for the people who make your life easier year-round. That might include your baby sitter, nanny or care giver, dog walker, newspaper deliveryman, or landscape professional, say etiquette experts. Depending on where you live, you might have a building superintendent and staff, as well as garage attendants. There can be restrictions on what you may give to government workers, such as postal employees, who aren’t allowed to receive cash, checks or gift cards,

but may accept gifts worth $20 or less. Check with a service provider if you’re unsure. Tips are best given in person, in cash and accompanied by a brief handwritten note expressing thanks and holiday wishes, says Lizzie Post, co-author of “Emily Post’s Etiquette, 18th Edition.” Crisp, new bills are a plus, experts say. If meeting in person isn’t practical (say, your newspaper deliveryman makes 4 a.m. rounds), consider purchasing an online gift certificate to be delivered electronically rather than risk leaving an envelope out, says Mary M. Mitchell, coauthor of “The Complete Id-

iot’s Guide to Modern Manners: Fast Track.” As for the appropriate amount to tip: That varies widely based on regional and industry customs, experts say, but avoid going lower than $15 to $20. You might tip a hairstylist or trainer one session’s worth, or a baby sitter one or two nights’ worth, Ms. Mitchell says. If you can afford to be more generous, the extra cash might go a long way for someone else, she adds. And if you don’t have cash to spare this year, a handwritten card “lets the person know you appreciated how they’ve helped you throughout the year,” Ms. Mitchell says.

WSJ 2

SUNDAY, DECEMBER 22, 2013

THE JUGGLE ON SUNDAY

Our Daughter Wants to Be Very Rich BY LAURA KREUTZER

Two months ago, we took our daughter to see a production of the musical “Annie” as a special treat for her eighth birthday. I thought that she would enjoy the story of a plucky redheaded orphan’s unrelenting optimism in the face of adversity (not to mention the fact that we’re partial to almost any tale with a redheaded heroine). But I fear she related more to Daddy Warbucks. “Mom, what job makes the most money?” Neva asked me a few weeks after her birthday. “Why do you ask?” I asked her. “Because when I grow up, I want to be rich,” Neva said. “We are rich,” I countered with my go-to response whenever this topic comes up. “We are rich in family and friends. We are rich in love and kindness, and we’re practically millionaires in creativity.” “No, Mom,” Neva countered with a groan and mild roll of her hazel eyes. “I want to be rich for real and live in a mansion.” i i i I realize that Neva is hardly the first child to express a desire for material wealth. But something about her declaration struck an emotional chord. Don’t get me wrong: I have nothing against her wanting to be wealthy. I am not one of those people who believe that the wealthy are inherently corrupt or motivated solely by greed, any more than I would believe that the poor are inherently honest and good. However, I also realize that the pursuit of wealth solely for wealth’s sake is often a “thin soup,” as my father would say. And so while I do want our daughter to possess a level of financial savvy and ability to support herself, I don’t want her to buy the false promise that the pursuit

AL’S EMPORIUM

Christmas Gifts for Goofs BY AL LEWIS

It’s almost Christmas and I’m still going through my closets to see what I can regift to the many great business and economic minds on my list:

Nathalie Dion

of material wealth on its own is the key to happiness. It’s easy, of course, to blame the culture for all this. It’s hard to avoid the celebration of wealth that’s all around us—at the movies, on TV, in the marketing messages that bombard us. Yet I also can’t help but wonder whether we aren’t contributing, even if unintentionally, to our daughter’s materialistic bent. Often, when Neva needles me for something that she wants at the mall, my inevitable comeback is either, “Sorry, not today, that’s too expensive” or, “We can’t afford that right now.” Typically, neither is true. We could afford the object of her desire; we just choose not to buy it. In other words, my effort to keep Neva grounded may instead have given her the false impression that we are worse off financially than we really are—and a strong desire to right that wrong. Not surprisingly, on more than one occasion, Neva has asked if we are poor. i i i To get an expert opinion on all this, I reached out to Liz Warrick, a private parenting coach in Winchester, Mass.

Ms. Warrick counsels that it’s important for parents to teach children, even young children, how to make smart choices with money so they get a more realistic grasp of the trade-offs that come with those choices. “There’s so much emphasis on material things in our culture,” she says. “We live in a culture where there’s immediate gratification and many kids get what they want at a very young age.” She suggested we give Neva an allowance so she can start making her own spending choices, but with a requirement that she save a certain percentage of the money she receives and that she also donate a certain percentage to charity. Researching different charities in our area and allowing her to pick out which ones she would like to support will help her better grasp her own good fortune. She also recommends that the next time Neva asks me to buy something, rather than telling her that we can’t afford it, I explain instead that, although we may be able to afford it, we choose to spend our money differently. “If [you] keep paying attention to the fact that things

cost money and [you] can’t afford it, then that thought becomes overwhelming,” she said, adding that once Neva starts receiving an allowance we can also offer her a choice of whether or not she wants to spend her own money on a particular item, even if it turns out to be junk. Finally, she adds that the holidays offer a chance to demonstrate that happiness isn’t tied to money, by emphasizing joyful activities that don’t cost much and aren’t tied to material things. Given how much Neva and I both love Christmas carols, baking and oddball homemade craft projects, I think I’ve already got a head start on that one. Neva may or may not grow up to be a wealthy adult. But we hope that by incorporating these suggestions, we can do a better job of teaching our daughter about the many blessings in her life. That way, she will come to realize that in the things that truly matter, she always was and always will be rich. Laura Kreutzer is assistant managing editor of private equity in the newsletter group at Dow Jones. Write to her at SundayJuggle @wsj.com.

For President Obama, I found a bright-yellow book: “Building a Website for Dummies.” For Thorsten Heins, former CEO of BlackBerry: Etch A Sketch. Ohio Art will be around a lot longer than BlackBerry. How about Meg Whitman? Hewlett-Packard stock traded at more than $45 a share when she joined its board in January 2011. She was named chief executive in September 2011 and by November 2012 the stock traded below $12. H-P has since returned to profitability and the stock now trades above $28. The improvement has been largely driven by cost cutting and mass layoffs. For this performance, Ms. Whitman just got a 50% raise, from $1 million to $1.5 million in annual salary. I’m giving her the Easy Bake Oven. Jamie Dimon, J.P. Morgan Chase’s chief executive, agreed to several multibillion-dollar legal settlements this year all because of ambitious employees within his giant bank who can’t stop monkeying around with other people’s money. I’m getting him Barrel of Monkeys. But Mr. Dimon may never get all the monkeys out of the barrel. Federal Reserve Chairman Ben Bernanke spent $3 trillion reviving the economy. Now he’s retiring and leaving the Fed’s unprecedented financial position to Janet Yellen. Here’s a game they can play under the Christmas tree: Don’t Spill the Beans. AOL Chief Executive Tim Armstrong lost his cool and fired a guy during a live conference call with 1,000 employees. Mr. Armstrong has

had to fire a lot of folks with the shutdown of Patch, a collection of local-news websites. He’ll probably be good at Whac-A-Mole. I’m getting a DVD for former Apple executive Ron Johnson, who became CEO of J.C. Penney and nearly destroyed the iconic retailer: “Wreck-It Ralph.” Internet Movie Database describes the film: “A videogame villain wants to be a hero…but his quest brings havoc to the whole arcade.” Jacob Lew, former chief operating officer of too-bigto-fail Citigroup, became our nation’s 76th Treasury Secretary. This is like putting a BP executive in charge of the Environmental Protection Agency. I’m buying Mr. Lew a rubber chicken. Maybe it will keep him from the rest of the hen house. Mary Schapiro stepped down as head of the U.S. Securities and Exchange Commission and joined the board of General Electric, a company her agency sued three times for fraud and kickback schemes. For her, the copsand-robbers play set by Playmobil. I hope she won’t have trouble picking which side she wants to be on. Robert Benmosche, CEO of bailed-out insurance giant AIG, defended the $450 million in bonuses paid to employees after AIG’s near-collapse. He said criticism of the bonuses “was intended to stir public anger, to get everybody out there with their pitchforks and their hangman nooses, and all that—sort of like what we did in the Deep South.” He sounded like he wanted a new necktie, but I’m going to get him Minion Tim, a singing action figure based on the film “Despicable Me 2.” Does anybody out there have a Christmas-gift idea for a famous underperformer? Post it at tellittoal.com/xmas. Al Lewis is a columnist based in Denver. He blogs at tellittoal.com; his email address is al.lewis@tellittoal.com

INVESTING BASICS

PERSONAL BUSINESS

Holiday Credit Offers Can Cost You Art Imitates Life, but Seldom the S&P BY DENNIS NISHI

As we head into the final stretch of the holiday shopping season, there’s no shortage of loan offers from banks and credit-card lenders. Convenience checks and deferredbilling promotions fill mailboxes with seemingly generous zero-interest terms and 12 months to pay. But are these offers really worth the cost? Most financial experts urge caution, as many offers come with hidden costs.

Deferred Billing

Many retailers work with banks to offer financing that gives shoppers more time to pay for purchases. Cost: You pay no interest if the balance is paid when due. If it’s not, you could end up paying months or years of back interest. Hidden costs: You lose all the perks offered by regular credit cards, such as damage and theft protection. Also, a leisurely payment schedule could burden your credit score

for long periods and raise the rate you’d get on other loans— notably when dealing with retailers that offer two or three years of deferred billing for big-ticket items like furniture. Read the fine print to see how the debt gets reported. Some lenders may not start reporting until the payment comes due, says Rod Griffin, director of public education for credit-data company Experian.

Convenience Checks

As common as fruitcake around the holidays, they allow bank customers to tap unsecured credit lines simply by tendering a check. Cost: Since convenience checks are regarded as a cash advance, many banks levy a 3% to 4% fee upfront, tack on high interest and start charging interest upon purchase. Hidden costs: Depending on your debt load, convenience checks can send internal red flags to your card issuer, says Mr. Ulzheimer. “Externally, it won’t affect your credit score

anymore than a regular loan would, but sudden use of them can make you look desperate and compel your credit issuer to re-evaluate your creditworthiness.”

Skip a Loan Payment

Most lenders allow customers to “skip” a loan payment once a year. Cost: Depending on your interest rate, you could end up paying twice the skipped amount in interest (extending your loan by as much as two months per skipped payment) and a $25 to $35 fee. Hidden costs: Because you’ll be paying past the loan’s original maturity date, there’s a slight chance that future lenders will interpret negatively how the payment is reported. Keep any paperwork from your lender in case it comes up, as during a mortgage-loan application, says Mr. Griffin. “You should also check your credit report if there are concerns,” he says. Email: sjdnishi@gmail.com

ASK DOW JONES

Working Abroad May Have Benefits BY TOM HERMAN

If I move overseas and work there next year, will I still have to pay U.S. income taxes on the income I earn abroad? —R.B., New York City

As with many tax questions, it depends on numerous details. If you’re a U.S. citizen or resident alien, “your world-wide income generally is subject to U.S. income tax, regardless of where you are living,” the Internal Revenue Service says. That’s true whether you work in Rome, Italy, or Rome, Georgia. Even so, large numbers of Americans who live and work abroad qualify to exclude part or all of what they make. The answer hinges on such factors as how much they earn while working abroad and whether they qualify for the “foreign earned income exclusion.” If you do qualify, you can exclude as much as $99,200 of foreign earned income during

2014, up from $97,600 this year, the IRS says. You might also be eligible for other breaks, such as excluding or deducting certain foreign housing expenses paid for you or incurred by you —and you might be able to exclude the value of employerprovided meals and lodging. The fine print can be remarkably tricky. Consider consulting an experienced tax pro. Some general rules: “Foreign earned income” doesn’t include all types of income. It typically includes income for personal services (such as salaries, wages, commissions, bonuses, tips and professional fees). It doesn’t include “unearned” or investment income (such as dividends, interest, capital gains, Social Security benefits, pensions, annuities, gambling winnings and alimony). To be eligible for the foreign earned-income exclusion, the housing exclusion or the housing deduction, you must have foreign earned income, your tax home must be in a foreign country, and you must be:

 A U.S. citizen who is “a bona fide resident of a foreign country or countries for an uninterrupted period that includes an entire tax year,” or  A U.S. resident alien who is “a citizen or national of a country with which the U.S. has an income-tax treaty in effect and who is a bona fide resident of a foreign country or countries for an uninterrupted period that includes an entire tax year,” or  A U.S. citizen or a U.S. resident alien who is “physically present in a foreign country or countries for at least 330 full days during any period of 12 consecutive months.” The rules have other twists and turns. For details, see IRS Publication 54 (“Tax Guide for U.S. Citizens and Resident Aliens Abroad”) and Publication 15-B.

Send your questions to us at askdowjones.sunday03@wsj.com and include your name, address and telephone number. Questions may be edited; we regret that we cannot answer every letter.

BY CAROLYN T. GEER

What does it take to invest in art? An unlimited budget helps, judging from recent headline-making auctions, in which Norman Rockwell’s “Saying Grace” sold for $46 million, a record for an American painting, and Francis Bacon’s triptych “Three Studies of Lucian Freud” sold for $142 million, a record for any work of art at auction. Or you could take a cue from Herbert Vogel, a onetime postal worker, and his wife, Dorothy, a librarian, who amassed a collection of 5,000 contemporary works over the course of their 50-year marriage with “wits and guts,” as Mr. Vogel once put it. “If you’re rich, it’s easy to start a collection,” he reportedly said. “But if you need your paycheck to pay the rent and phone bill, and you want to collect, you’ve got to depend on instinct. What you feel in your head and your heart.” Regardless of whether you have the money or the wits and guts to collect, the question remains, should you? Or, as a team of economists recently set out to determine, does it pay to invest in art? Using a sample of more than 20,000 paintings sold repeatedly at auction between 1972 and 2010, the economists assembled a traditional “repeat sales” index—the kind often used to estimate returns on “alternative” asset classes, such as art and real estate. The average annual return for the index was 10%, besting the 7.3% annualized total return for the S&P 500 stock index over the period. This suggests art is such a solid investment that—by standard asset-allocation methods—you should devote one quarter to one half of your portfolio to it. “The problem is, that’s not quite the case,” says Arthur Korteweg, a finance professor at Stanford University and a researcher involved in the study. The actual returns you can expect from art are far less than 10%, he and his col-

Jon Reinfurt

leagues from the Luxembourg School of Finance and Erasmus University Rotterdam discovered. The underlying cause of the overstated returns is something called “selection bias,” which Mr. Korteweg says is endemic to indexes built on repeat sales of relatively illiquid assets not sold at random. Simply put, some of the paintings in the index changed hands more frequently than others in the index. The more a painting appreciated, the more likely it was to trade, creating a sharp upward bias for the index. After accounting for this sample-selection problem, the researchers determined that a more representative return for the universe of paintings was only 6.5%. Their conclusion: “Our results show that investors should optimally forego investing in paintings, even without considering transaction and insurance costs, and the risks of forgeries, theft and physical damage, unless they are able to pick winners or there is substantial nonmonetary utility from owning and enjoying art.” Like a stock picker, an art investor could try to identify “hidden gems,” selectively investing in styles or artists before they become hits, “but that does require a lot of skill, foresight and probably some

luck,” says Mr. Korteweg. “It’s also not a bad idea to buy something you like,” he adds. At least then you’ll reap psychic dividends, which is the “finance-y” way of thinking about this, he says. Which brings us back to the Vogels. “We never bought anything because we thought it was important,” Mr. Vogel once said. “We bought things we liked.” And that they could afford, carry home on the subway, and fit into their small New York apartment. This led the Vogels to acquire works that were not in demand—at least not yet—resulting in an “eclectic” collection of pieces created early in artists’ careers, as well as “less-expensive works on paper by artists traditionally known for other media,” according to an exhibition catalog by the Yale University Art Gallery in New Haven, Conn., which is showing part of the Vogel collection. (Before Mr. Vogel’s death last year at age 89, the couple donated 50 works to selected art institutions, one in each of the 50 states. “That their holdings comprise a first-rate collection of Minimal and Conceptual art was actually almost a coincidence.” To find pieces of the Vogel collection in your state, see vogel5050.org. investingbasics.wsj@gmail.com

KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / I5

Stocks Listings are the most-active stocks for NYSE, NASDAQ and AMEX exchanges as of close of business Friday.

A-B AAR ABB Ltd ABM ACE Ltd ADT Corp AES Corp AFLAC AG MtgeIT AGCO AGL Res AK Steel AMC Net AMN Hlth AOL ARCA bi rs ASA Gold AT&T Inc Aarons AbtLab s AbbVie n AberFitc AbdAsPac Abraxas AcaciaTc AcadiaPh AcadiaRlt Accelern n Accenture AccessMid AccoBrds AccretivH Accuray AcelRx Achillion AcordaTh Actavis ActivsBliz Actuant Acxiom AdamsEx AdobeSy Adtran AdvAuto AMD AdvSemi AecomTch Aegerion Aegion Aegon AerCap AeriePh n Aeropostl AEtern grs Aetna Aﬀymetrix Agilent Agnico g Agrium g AirLease AirProd AkamaiT Akorn Alamos gn AlaskaAir Albemarle AlcatelLuc Alcoa AlexB Inc AlexREE Alexion AlignTech AlimeraSci Alkermes AllegTch Allegion n Allergan AlliData AlliBInco AlliantEgy AlliantTch AlldNevG AllisonTrn AllscriptH Allstate AlnylamP AlphaNRs AlpVident AlpTotDiv AlpAlerMLP AlteraCp lf AltisResd n Altria AmTrstFin Amarin Amazon Ambarella Ambev n Ameren AMovilL AmAirl n AmAirl pf AmApparel AmAxle ACapAgy AmCapLtd ACapMtg AmEagE n AEagleOut AEP AEqInvLf AmExp AmIntlGrp ARltCapPr AmSupr AmTower AVangrd AmWtrWks Ameriprise AmeriBrgn Ametek Amgen AmicusTh AmkorTch Amphenol AnacorPh Anadarko Anadigc AnalogDev AndinaAcq AngiesList AnglogldA ABInBev Ann Inc Annaly Annies AntaresP AnteroRs n Anworth Aon plc Apache AptInv ApogeeE ApolloEdu ApolloGM ApolloInv Apple Inc ApldMatl AMCC Approach ApricusBio AquaAm s ArQule Aramark n ArcelorMit ArchCap ArchCoal ArchDan ArenaPhm AresCap AriadP ArkBest ArmHld ArmourRsd Arotech ArrayBio Arris ArrowEl ArrowRsh ArubaNet AscenaRtl AshfordHT Ashland AsiaPc AsiaInfoL AspenTech AsscdBanc Assurant AssuredG AstraZen Astrotch h athenahlth Athersys AthlonEn n AtlPwr g Atmel ATMOS Atrion AtwoodOcn AuRico g AutoNatn Autodesk AutoData Auxilium AvagoTch AvalnRare AvalonBay AvanirPhm AVEO Ph AveryD AvisBudg Avista Avnet Avon Axcelis Axiall B2gold g BB&T Cp B/E Aero BG Med h BGC Ptrs BHP BillLt BP PLC BPZ Res BRE BRF SA BabckWil Baidu BakrHu BallCorp BalticTrdg BcBilVArg BcoBrad pf BcoSantSA BcoSBrasil BcpSouth BkofAm BkNYMel BankUtd Banro g BarcUBS36 Barclay BarVixMdT B iPVix rs Bard

FRI WK’S LAST CHG CHG

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6.61 +.16 +.18 ColumPT n 25.05 +.93 +2.24 Comcast 50.94 +.16 +1.93 Comc spcl 49.12 +.40 +1.60 Comerica 46.73 +.19 +1.69 ComfrtS 18.59 -.07 -.29 CommScp n 17.84 +.35 +.44 CmclMtls 19.47 -.20 -.11 CmwREIT 23.22 +.19 +.44 CmtyHlt 38.29 +1.16 -1.02 CommVlt 75.96 +3.02 +8.79 CompSci 54.84 +.49 +2.52 Compuwre 11.13 +.02 +.13 ComstkRs 17.66 +.17 +.30 ConAgra 33.54 +.07 +1.87 ConchoRes 106.47 +1.51 +6.33 ConcurTch 98.55 +4.47 +5.25 Conns 75.00 +.41 +.38 ConocoPhil 69.88 +.80 +.45 ConsolEngy 37.84 -.56 +.66 ConEd 54.77 -.08 +.44 ConstantC 30.60 +1.96 +3.61 ConstellA 69.70 +.22 +.38 ContainSt n 41.28 +1.03 +1.92 ContlRes 112.30 +1.77 +6.63 Cnvrgys 21.07 +.32 +1.13 CooperCo 127.00 +4.40 +5.79 CooperTire 22.20 -.15 -.56 Copart 35.69 +.06 +.43 Corcept 2.83 +.30 +.29 CoreLogic 34.82 +.47 +.63 CorinthC 1.79 +.09 +.17 CorOnDem 52.21 +.91 +3.82 Corning 17.43 +.01 +.55 CoronadoB 2.09 -.01 -.06 CorpOffP 23.89 +.34 +1.98 CorrectnCp 32.40 +.11 -.56 Cosan Ltd 13.46 -.27 -.52 Costco 118.53 +.54 +.62 CousPrp 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FRI WK’S LAST CHG CHG

FordM 15.42 +.12 -1.17 ForestCA 19.08 +.23 +.88 ForestLab 57.32 +.39 +1.86 ForestOil 3.76 +.17 +.23 Fortinet 18.43 +.55 +.75 Fortress 8.65 +.17 +.27 FBHmSec 44.06 +.79 +1.55 Fossil Grp 118.85 +.04 -2.76 FosterWhl 31.93 +.05 +.61 FndtnMd n 24.14 +.60 +1.00 Francesca 17.80 +.28 +.86 FrancoN g 39.60 -.04 -.14 FrankRes s 56.25 +.58 +2.23 FrkUnv 6.85 +.02 +.03 FranksInt n 27.29 +.61 +.84 FrSeas rs 1.25 +.04 -.08 FMCG 35.69 +.50 +1.35 Freescale 15.35 -.27 +.99 Frischs 25.10 +1.18 +1.33 FrontierCm 4.69 -.04 +.25 Frontline 3.58 -.05 +.18 FuelCellE 1.39 -.04 -.39 FultonFncl 12.92 +.03 +.18 Fusion-io 8.71 +.05 +.31 G-H GNC 57.51 -1.09 -.54 GT AdvTc 8.37 -.17 +.35 GTx Inc 1.79 +.23 +.29 GabelliET 7.70 +.18 +.41 Gafisa SA 3.32 -.08 +.28 GalenaBio 4.03 -.03 -.11 Gallaghr 45.99 -.02 +.19 GamGldNR 8.87 +.01 +.03 GameStop 49.25 -.62 +1.96 Gannett 27.81 +.33 +1.62 Gap 38.57 +.28 +.08 Garmin 46.03 +.33 -.55 Gartner 68.74 +1.15 +2.28 GastarExp 5.98 +.32 +.70 GencoShip 2.02 -.01 +.09 GenCorp 17.83 +.19 +.93 Generac 56.07 +1.56 +4.09 GAInv 34.51 +.31 +.83 GnCable 28.93 +.08 +.15 GenDynam 93.37 +.71 +3.11 GenElec 27.36 +.04 +.74 GenGrPrp 20.40 +.23 ... 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IngerRd 60.12 +.97 +3.30 IngrmM 23.12 +.09 -.02 Ingredion 66.71 -.27 +.57 InlandRE 10.64 +.30 +.52 InovioPhm 2.15 +.02 +.17 IntgDv 10.10 +.16 +.10 IntegrysE 54.86 +.85 +1.75 Intel 25.06 -.09 +.77 IntcntlExG 224.46 +1.83 +4.02 InterDig 28.77 -3.23 -3.38 InterMune 14.16 +.67 +.23 IBM 180.02 -.20 +7.22 IntFlav 85.64 +.54 +.94 IntlGame 17.44 +.19 +.13 IntPap 48.35 -.50 +.52 InterOil g 52.49 -2.21 -2.15 Interpublic 16.90 +.12 +.40 Intersil 11.24 -.02 +.27 IntPotash 15.67 +.82 +1.09 Intuit 75.28 -.41 +.26 IntSurg 364.35 +5.25 +1.41 InvenSense 17.14 +.69 +.81 Invesco 35.83 +.58 +1.25 InvMtgCap 15.20 +.21 +.29 InvSrInco 5.00 -.05 InvBncp 25.31 +1.05 +1.61 IridiumCm 6.28 +.38 +.63 IronMtn 29.81 +.58 +.32 IronwdPh 11.76 +.52 +1.13 iShCorEM 48.38 -.02 -.14 Isis 41.43 +2.50 +4.29 ItauUnibH 13.13 -.44 -.19 Ivanhoe rsh .59 +.07 +.17 Ixia lf 12.59 -.12 +.21 JA Solar 9.07 -.08 +.47 JDS Uniph 12.56 +.20 +.74 JGWPT n 17.00 -.15 -.01 JPMorgCh 57.70 +.47 +1.53 Jabil 16.12 -.14 -2.95 JackHenry 58.39 -.18 +1.22 JacobsEng 61.20 +.63 +4.44 JkksPac 6.64 +.44 +.43 JamesRiv 1.36 +.04 -.16 JanusCap 11.79 +.18 +1.13 Jarden s 59.78 +1.09 +2.46 JazzPhrm 123.91 +9.19 +9.38 JetBlue 8.57 +.10 -.18 JinkoSolar 28.70 -.66 +2.72 JiveSoftw 10.86 +.55 +.88 JohnJn 92.09 +.11 +.74 JohnsnCtl 50.31 +.15 +.31 JonesGrp 14.87 +.74 +.22 JoyGlbl 54.45 +.37 +.92 JnprNtwk 21.77 +.57 +1.10 K-L KAR Auct 28.88 -.12 +.44 KB Home 16.91 +.44 -.32 30.41 +.61 -.66 KBR Inc KCG Hld n 11.89 +.70 +.34 KKR 24.47 +.49 -.51 KKR Fn 12.24 +.23 +2.71 KLA Tnc 63.12 +.42 +1.94 KC Southn 121.73 +1.13 +4.29 Karyoph n 24.08 +.12 +4.12 Kellogg 60.52 -.08 +.02 Kennamtl 51.11 +.26 +2.12 13.02 -.34 +.85 KeryxBio 7.71 +.09 +.24 KeyEngy Keycorp 13.32 +.05 +.28 50.30 +.04 +1.41 KilroyR KimballInt 15.05 +.39 +.84 KimbClk 105.18 +.80 +1.26 Kimco 20.21 -.01 +.19 79.26 +.87 +.25 KindME KindMorg 35.22 +.46 +2.39 KindredHlt 19.39 +.38 -.02 Kinross g 4.28 -.13 -.31 ... 1.57 +.04 KiOR 6.60 +.24 +.41 KiteRlty KnightTr 18.33 +.13 +.53 KnightT 9.21 +.44 +.58 KodiakO g 11.35 +.32 +.92 54.95 +.33 +.87 Kohls KosmosEn 10.92 +.26 -.09 54.00 +.82 +1.39 KraftFGp 6.99 +.29 +.26 KratosDef KrispKrm 19.09 +.45 +1.05 Kroger 39.70 +.03 -.22 12.95 +.38 +.53 Kulicke KytheraBio 39.45 +.09 +.07 L Brands 61.04 +.12 -.13 L-3 Com 105.49 +.92 +3.26 ... LDK Solar 1.35 -.02 LGI Hms n 18.23 +.25 +1.62 LKQ Corp 32.79 +.28 -1.07 LPL Fincl 45.86 +.64 +1.87 10.94 +.01 +3.03 LSI Corp 30.15 +.47 +1.00 LaZBoy LabCp 90.00 +.39 +.87 LadThalFn 3.14 +.21 -.02 LamResrch 53.90 +.88 +2.83 LamarAdv 50.01 -.32 -.46 LaredoPet 26.87 +.33 +1.14 76.57 -.52 +.35 LVSands 31.66 +.50 +1.67 LaSalleH Latam Air 15.93 +.25 -.34 Lattice 5.37 -.04 LeapWirlss 17.36 +.09 +.21 8.10 +.09 -.03 LeapFrog LearCorp 79.64 +.15 -1.53 LeggMason 43.47 +.10 +2.09 30.55 +.29 +1.40 LeggPlat LeidosHld 45.13 +.85 +1.99 LenderPS 36.49 +.06 +.80 LennarA 37.38 +.34 +2.38 83.98 +.42 +3.41 Lennox 27.95 +.54 +.75 LeucNatl Level3 32.21 +.22 +1.80 1.80 +.05 +.04 LexiPhrm 10.17 -.03 -.04 LexRltyTr Lexmark 34.99 +1.25 +1.29 LbtyASE 5.92 +.11 +.17 86.02 +.38 +1.55 LibGlobA LibMed A n 144.95 +1.68 -2.07 LibtyIntA 28.15 -.07 +.49 LibtProp 34.85 +.85 +1.73 75.65 +.01 +.01 LifeTech 16.35 +.60 +.35 LifeLock Lifevantge 1.69 +.04 +.17 LillyEli 50.20 +.06 +.81 1.92 +.04 +.03 LimelghtN 4.55 -.04 -.11 LincEdSv LincElec 70.70 +.26 -.15 LincNat 51.36 +.05 +.42 LinearTch 44.80 +.26 +1.45 LinkedIn 218.66 -.41 -10.64 LinnEngy 30.52 +.70 +.74 29.62 +.61 +.23 LinnCo 31.11 +.90 +2.85 LionsGt g LiveNatn 19.40 +.32 +.71 LloydBkg 5.13 +.19 3.87 -.10 -.43 LoJack LockhdM 144.21 +1.22 +5.18 Loews 47.62 +.35 +1.06 Lorillard s 49.90 +.12 -.24 LaPac 17.97 +.12 +.96 Lowes 47.97 -.42 +.86 Lubys 7.68 +.26 +.38 lululemn gs 58.80 +.03 -.40 LumberLiq 100.89 -1.38 +11.40 LyonBas A 78.60 +.64 +2.41 M-N M&T Bk 114.34 +.61 +.59 MBIA 11.47 +.45 +.36 MDC 30.20 +.70 +1.37 MDU Res 30.28 +.79 +.87 MFA Fncl 7.30 +.14 +.19 MCR 8.88 +.04 +.03 MIN 5.13 +.03 +.04 MGIC 8.33 +.16 +.03 MGM Rsts 22.72 +.11 +1.52 MI Homes 23.95 +.91 +1.21 MRC Glbl 31.61 -.29 -.53 MSCI Inc 42.60 +.55 -.86 Macerich 58.96 +.32 +.45 MackCali 21.86 +.39 +.67 Macys 52.27 +.04 +.86 MagellMid 59.38 +.14 +.83 MagnaInt g 78.94 +.04 +.06 MagHRes 7.26 +.55 +.85 Mallinck n 52.22 +.68 -.23 Manitowoc 22.50 +.33 +1.00 MannKd 5.01 +.08 +.03 ManpwrGp 85.13 +1.63 +2.90 Manulife g 19.43 +.91 MarathnO 35.16 +.25 -.64 MarathPet 87.26 +1.55 +2.05 MVJrGld rs 29.28 +.26 -.95 MktVGold 20.53 +.03 -.58 MV OilSvc 47.55 +.41 +.40 MV Semi 42.05 +.31 +1.18 MktVRus 28.64 -.01 +.73 Marketo n 36.62 +3.73 +4.12 MarkWest 63.42 +.34 -1.85 MarIntA 48.15 +.43 +1.58 MarshM 48.13 +.06 +.88 MarvellT 13.34 -.11 +.19 Masco 21.69 +.02 +.41 Masimo 28.73 -.35 +.50 Masonite gn 55.20 +.20 +3.49 MastThera .42 +.01 Mastec 31.42 +1.10 +.13 MasterCrd 817.05+11.67+29.08 MatadorRs 19.83 +.86 +1.16 Mattel 45.52 +.45 +.15 MaximIntg 28.32 +.39 +.58 McDrmInt 8.31 +.07 +.28 McDnlds 96.51 +1.37 +2.07 McGrwH 76.00 +2.18 +3.80 McKesson 161.50 +.91 +4.11 McEwenM 1.73 -.04 -.07 MeadJohn 82.89 -.46 -.27 MdbkIns 6.92 -.19 MeadWvco 35.85 -.31 +.69 2.44 +.09 +.20 Mechel MedAssets 19.96 +.22 +.35 MediaGen 22.37 -.26 +.64 MedProp 12.38 +.16 +.36 MediCo 37.92 +1.11 +1.03 Medivation 65.14 +2.26 +2.00 MedleyCap 14.20 +.15 +.19 Mednax s 52.82 +.50 -1.21 Medtrnic 56.89 -.28 +1.00 MelcoCrwn 37.85 -.45 +.02 MemorialP 21.01 -.08 +.26 MensW 52.01 +.58 +.26 MentorGr 23.84 +.43 +1.38 Merck 49.32 +.53 +.94 Meredith 48.84 +.84 -.57 Meritor 8.16 +.21 +.31 MerrimkP 5.01 +.10 +.48 Methanx 58.37 +1.92 +2.36 MetLife 53.12 +.85 +1.93 83.88 -.04 +1.61 MKors Microchp 43.42 +.73 +1.89 MicronT 22.17 +.55 -.91 MicroSemi 23.96 +.20 +.89 Microsoft 36.80 +.55 +.11 MdwGold g .77 -.02 -.07 MillenMda 6.68 -.45 +.26 MillerEnR 7.60 +.53 -1.23 MillerHer 28.79 +.23 +.08 MiMedx 8.24 +.49 +.47 MindrayM 37.80 -.26 +.70 MitsuUFJ 6.33 +.03 +.17

FRI WK’S LAST CHG CHG MobileTele 21.02 +.24 ModusLink 5.63 +.49 Mohawk 141.44 -2.06 Molycorp 4.90 +.13 Momenta 17.40 -.05 Mondelez 34.67 +.24 Monsanto 113.73 -.08 MonstrBev 66.24 MonstrWw 6.76 +.47 MonSt 15.70 +.08 Moodys 77.30 +3.10 MorgStan 30.93 +.07 Mosaic 45.72 +1.04 MotrlaSolu 65.61 -.24 MuellerWat 9.37 +.44 MultiColor 37.52 +.89 MurphO 63.59 -.82 MurpUSA n 42.75 +.78 Mylan 42.51 -.02 MyriadG 24.00 -.39 NCR Corp 33.32 +.48 NII Hldg 2.57 +.08 NL Inds 10.20 +.04 NPS Phm 28.42 +1.52 NQ Mobile 11.50 -.34 NRG Egy 28.40 -.02 NTN Buzz .66 -.06 NTT DOCO 16.33 +.13 NXP Semi 43.52 +.42 Nabors 16.26 +.11 Nanosphere 2.17 +.04 NasdOMX 39.96 +.50 NatBkHldg 21.62 +1.09 NBGrce rs 5.58 -.15 NatFuGas 71.60 +1.46 NatGrid 64.27 +.11 NOilVarco 78.37 +.59 NatPenn 11.30 +.30 NatRetPrp 30.49 +.07 Nationstar 37.03 -2.67 NavideaBio 2.05 -.12 Navios 9.86 +.48 NaviosMar 19.21 +1.16 Navistar 37.16 -2.30 NektarTh 11.19 +.43 Neogen s 45.60 +1.63 NetApp 40.49 -.15 Netflix 375.67 -1.07 Neurcrine 9.67 +.55 NeuStar 48.58 +.03 NwGold g 4.91 +.04 NJ Rscs 45.92 +1.46 NewResd n 6.94 +.15 NY CmtyB 16.56 +.22 NYMtgTr 7.01 +.04 NY Times 14.62 +.42 Newcastle 5.53 +.14 NewellRub 31.64 -.46 NewfldExp 23.98 +.13 NewmtM 22.64 -.12 NewpkRes 11.90 +.19 NewsCpA n 17.75 +.39 NexstarB 50.90 -.41 NextEraEn 84.82 +1.09 NiSource 32.86 +1.36 45.35 +.22 NielsenH NikeB s 77.34 -.92 NobleCorp 36.32 -.18 NobleEn s 67.94 +.07 7.81 +.08 NokiaCp 7.41 -.04 Nomura NorandaAl 2.62 +.05 Norcraft n 18.55 -.36 9.06 +.46 NordicAm 61.19 +.95 Nordstrm NorflkSo 91.32 +.81 NA Pall g .50 +.03 42.11 +.23 NoestUt 1.63 +.27 NDynMn g NthnO&G 15.08 +.12 NthnTEn 24.98 +.04 60.81 +1.53 NorTrst NorthropG 112.26 +1.71 NStarRlt 13.07 +.15 43.39 +.77 NwstNG NorwCrL n 34.52 +1.36 NovaCopp 1.44 +.04 NovaGld g 2.32 +.04 78.32 -.25 Novartis 4.93 +.25 Novavax NuSkin 136.40 +1.73 NuanceCm 14.91 -.06 51.99 -.40 Nucor 50.05 +1.05 NustarEn NutriSyst 16.95 +.10 NvIQl 13.55 +.10 NMIQI 12.70 -.03 12.31 +.09 NvMAd NuvMuVal 8.86 +.02 NuvPP 13.46 +.01 NvPMI 12.60 +.03 12.54 +.13 NuvPI NuvQInc 12.33 -.11 15.69 +.31 Nvidia NxStageMd 9.92 +.24 O-P OCZ Tech .07 +.01 OFG Bncp 16.82 -.15 OGE Egy s 33.78 +.41 OReillyAu 128.76 -.38 OasisPet 47.02 -.64 92.80 -.13 OcciPet Oceaneerg 78.56 +1.61 Oclaro 2.20 +.11 OcwenFn 54.81 -.13 2.09 -.01 OdysMar 5.35 +.07 OfficeDpt Oi SA 1.62 -.01 OilStates 101.35 +2.36 OldDomFrt 52.67 +.93 OldNBcp 15.37 +.16 OldRepub 16.81 +.58 Olin 28.26 -.77 OmegaHlt 30.09 +.13 Omncre 59.88 +.24 Omnicom 71.48 -1.12 OmniVisn 16.61 +.14 OnSmcnd 7.85 +.06 OnTrack 3.48 +.33 Oncothyr 1.83 +.06 ONEOK 59.75 +.65 Ophthotc n 31.02 -1.09 OpkoHlth 9.03 +.22 Oracle 36.37 -.23 Oramed n 10.65 +3.50 6.07 +.25 OraSure Orexigen 5.49 +.10 9.01 +.65 Organovo OshkoshCp 49.33 -.43 Outerwall 66.09 -.49 Overstk 29.95 +.85 OwensMin 35.91 +.27 OwensCorn 38.90 +.18 OwensIll 34.66 +.07 OxygnB rs 4.74 -.31 PBF Engy 30.68 +.46 PDC Engy 53.40 +1.35 PDL Bio 8.31 +.07 PG&E Cp 40.56 +.34 PGT Inc 10.09 +.34 PHH Corp 24.29 +.37 PMC Sra 6.28 +.02 PNC 76.37 +.37 PNM Res 23.83 +.24 PPG 186.62 +1.32 PPL Corp 29.68 +.35 PTC Inc 33.95 +.95 PVH Corp 130.88 -.10 PacWstBc 41.66 -.21 Paccar 57.62 +.33 PaciraPhm 49.69 +.33 PackAmer 61.89 +.05 Pactera 7.04 +.04 PallCorp 85.00 +.48 PaloAltNet 56.46 -1.04 PanASlv 11.14 +.19 Pandora 28.00 -.20 PaneraBrd 175.13 +6.71 ParagonSh 7.10 +.65 ParaG&S .94 +.02 Parexel 43.79 +1.66 ParkDrl 7.88 +.26 ParkerHan 126.21 +2.34 ParkerVsn 4.47 +.08 Parkwy 18.82 +.77 PatrkInd 29.16 +.62 PatternE n 27.77 -.48 PattUTI 25.24 +.03 Paychex 45.15 +.25 PeabdyE 18.23 -.90 Pendrell 1.97 +.10 Pengrth g 6.24 -.03 PnnNGm 14.26 +.14 PennVa 9.95 +.19 PennWst g 8.51 +.01 Penney 8.32 +.36 Pentair 75.40 +.51 PeopUtdF 14.64 +.09 PepBoy 12.20 +.10 PepcoHold 18.91 +.29 PepsiCo 81.81 +.15 PeregrinP 1.27 +.01 PerkElm 40.64 +.19 Perrigo 152.26 +1.12 PetSmart 72.55 +.36 PetrbrsA 14.35 -.29 Petrobras 13.34 -.23 PetRes 26.66 +.08 PtroqstE 4.15 +.31 Pfizer 30.25 -.46 Pharmacyc 103.85 +2.44 PhilipMor 85.52 +.04 Phillips66 74.03 +1.11 PhxNMda 9.06 +.02 PhysRltT n 12.70 +.29 PiedNG 33.35 +.82 PiedmOfc 16.83 +.39 Pier 1 22.52 +.73 PimDyCrd 22.24 -.08 PinnclEnt 25.39 +.33 PinnaclF n 26.84 +.13 PinWst 53.08 -.02 PioNtrl 187.29 -.26 PitnyBw 22.40 +.34 PlainsAAP 50.57 +1.00 PlainsGP n 25.25 +.42 PlugPowr h 1.84 +.04 PlumCrk 46.37 +.31 Polaris 141.57 +1.98 Polycom 10.91 +.10 PolyOne 34.87 +.79 Popular 28.21 +.22 PortfRec s 51.57 +.79 30.23 -.01 PortGE Potash 31.80 +.43 Potbelly n 25.50 -.06 PwshDB 25.66 +.20 PS Agri 24.66 +.18 PS USDBull 21.66 -.02 PSBuybk 42.18 +.30 PS SrLoan 24.82 +.04 PwShPfd 13.48 +.01 PSIndia 17.41 +.59 PwShs QQQ 86.50 +.87 Praxair 127.54 +.39

AT A GLANCE

+1.00 +1.58 +1.80 +.33 +.15 STOCKS +.82 +3.07 +4.78 YTD 52-WEEK YLD VOL NET YTD 52-WEEK YLD VOL NET +1.03 %CHG HIGH LOW STOCK DIV % PE 100s CLOSE CHG %CHG HIGH LOW STOCK DIV % PE 100s CLOSE CHG +.17 +5.47 +14.5 10.05 7.63 Alcoa AA +32.1 58.14 42.81 JPMorgCh JPM 1.52 2.6 13 215085 57.70 +.47 .12 1.2 28 187862 9.94 -.03 -.16 4 11947 19.86 +.20 +64.0 51.90 28.28 JohnsnCtl JCI .88f 1.7 29 63994 50.31 +.15 +1.75 +77.3 21.41 10.12 AmAxle AXL +.56 +34.4 15.98 10.64 BkofAm BAC .04 .3 21 1194935 15.60 -.15 +8.4 67.98 55.02 Kellogg K 1.84 3.0 23 18180 60.52 -.08 +1.03 +.55 +10.4 29.98 23.93 CMS Eng CMS 1.02 3.8 19 31338 26.92 +.25 +37.7 104.90 74.28 L-3 Com LLL 2.20 2.1 12 9750 105.49 +.92 +.58 +44.1 50.16 31.71 CedarF FUN 2.80f 5.8 23 865 48.20 -.40 +74.0 6.10 2.80 Macatawa MCBC 5 843 5.03 +.25 +.45 2206 32.08 +1.01 +.73 +35.0 32.39 21.75 ChemFinl CHFC .92f 2.9 17 +57.8 88.76 47.80 MagnaInt g MGA 1.28 1.6 13 4777 78.94 +.04 +.07 +54.0 46.67 28.71 Comerica CMA .68 1.5 16 23935 46.73 +.19 +32.8 22.52 14.67 MercBank MBWM .48 2.2 14 418 21.91 +1.10 +1.02 +10.9 73.32 58.86 DTE DTE 2.62 3.9 19 22123 66.61 +1.01 +.64 +34.2 32.31 19.30 MillerHer MLHR .56f 1.9 dd 13395 28.79 +.23 -.27 +21.3 23.46 14.49 DanaHldg DAN .20 1.1 dd 30916 18.93 +.15 +3.73 +35.4 44.57 29.81 DowChm DOW 1.28 2.9 45 114397 43.78 -.12 +31.0 77.93 56.06 PNC PNC 1.76 2.3 11 25902 76.37 +.37 -.60 +48.4 124.01 83.16 ParkerHan PH 1.80 1.4 20 17013 126.21 +2.34 1.68 2.2 20 35742 75.72 +1.24 +.45 +39.8 75.00 52.14 Eaton ETN ... +36.9 20.98 14.42 FifthThird FITB .48 2.3 10 76301 20.81 +.14 +46.4 157.47 98.79 Perrigo PRGO .36 .2 30 30123 152.26 +1.12 +.30 .7 23 16991 75.73 +.51 +20.6 32.50 24.63 Pfizer PFE 1.04f 3.4 16 602273 30.25 -.46 +1.01 +54.8 75.31 46.81 Flowserv s FLS .56 +.54 +19.1 18.02 11.14 FordM F .40 2.6 12 604522 15.42 +.12 +38.0 97.03 61.09 SPX Cp SPW 1.00 1.0 18 3335 96.84 +.63 +.16 +1.41 +34.8 93.61 64.47 GenDynam GD 2.24 2.4 dd 17699 93.37 +.71 +55.2 24.78 15.00 SprtnStr SPTN .36 1.5 20 3931 23.84 +.23 +1.54 +30.3 27.50 20.26 GenElec GE .88f 3.2 20 759936 27.36 +.04 +25.5 16.95 11.35 Steelcse SCS .40 2.5 57 7780 15.99 -.08 -.27 17 478317 40.99 +.69 +2.42 +42.2 41.85 24.65 GenMotors GM +36.3 75.50 54.07 Stryker SYK 1.22f 1.6 27 17968 74.72 +.87 +2.73 +73.2 34.15 18.04 Gentex GNTX .56 1.7 24 14032 32.64 -.26 -.37 +44.9 9.33 6.09 GraphPkg GPK +50.4 33.79 23.88 Textron TXT .08 .2 22 126700 37.29 +4.72 23 35320 9.36 +.05 +.42 +35.3 54.40 33.23 UnivFor UFPI .42f .8 31 1846 51.46 +1.53 +.01 +49.6 9.58 6.16 HuntBncsh HBAN .20 2.1 13 91559 9.56 +.01 -2.55 +228.2 12.45 3.33 IndBkMI IBCP +52.6 156.69 98.77 Whrlpl WHR 2.50 1.6 15 9315 155.28 +1.76 12 1820 11.50 -.08 +.02 +59.1 33.29 19.20 WolvWW s WWW .24 .7 26 15254 32.59 +.24 1.40f 2.9 18 57577 48.35 -.50 +.44 +21.4 50.33 37.80 IntPap IP +1.40 -2.92 +.66 SNAPSHOTS -2.74 +.72 +6.70 +.39 Dec. 20, 2013 17,000 4,200 Dec. 20, 2013 +.13 16,000 +.05 Nasdaq DowJones 3,800 15,000 +2.20 composite industrials +.60 14,000 3,400 +.33 13,000 +.06 +46.61 +42.06 3,000 12,000 +.96 S O N D S O N D +.29 4,104.74 16,221.14 Pct. change from previous: +1.15% High: 4,111.93 Low: 4,064.73 Pct. change from previous: +0.26% High: 16,287.84 Low: 16,178.57 +.88 +.62 -.64 -.16 +.09 MOST ACTIVE GAINERS LOSERS COMMODITIES -.05 +2.11 VOL(00) LAST CHG NAME VOL(00) LAST CHG NAME VOL(00) LAST CHG CLOSE PVS CHG %YTD +1.92 NAME -.27 99.32 98.77 +.28 +8.17 1453596 6.43 +.91 Oramed n 10.65 +3.50 +49.0 ChinaHGS 4.00 -.99 -19.8 Crude Oil (bbl) +.94 AriadP -.31 -12.97 1.91 1.91 -.23 S&P500ETF 1439400 181.56 +1.05 TowerSemi 6.50 +2.01 +44.8 Pedevco rs 2.00 -.40 -16.7 Ethanol (gal) -.74 3.03 +1.57 +1.08 3.08 Ku6Media 2.59 -.46 -15.1 Heating Oil (gal) +.27 Facebook 1432454 55.12 +.07 Responsys 27.40 +7.88 +40.3 4.42 4.46 -.94 +31.84 7.22 +.97 CntlVyCm 12.69 +2.19 +20.9 CelatorPh 3.00 -.47 -13.5 Natural Gas (mm btu) -.14 BlackBerry 1323345 +.19 BkofAm 1,205.10 1,195.00 +.85 -28.05 1194935 15.60 -.15 AvanirPhm 3.44 +.57 +19.7 OceraTh rs 11.52 -1.73 -13.1 Gold (oz) +.30 1,332.20 1,318.40 +1.05 -13.42 784123 3.52 +.09 AriadP 6.43 +.91 +16.5 ChiAutL rsh 3.34 -.43 -11.4 Platinum (oz) +.79 SiriusXM 19.42 19.14 +1.44 -35.64 +1.10 iShEMkts 5.19 -.61 -10.5 Silver (oz) 764420 40.48 -.06 HK Tv 6.62 +.94 +16.5 EuroTech +3.35 4.31 +.64 -37.95 4.33 28.77 -3.23 -10.1 Corn (bu) 759936 27.36 +.04 Limoneira 27.21 +3.72 +15.8 InterDig +.06 GenElec 374.00 -.11 -.08 22.01 -2.47 -10.1 Lumber (1,000 bd ft) 373.60 750097 4.99 -.18 BlackBerry 7.22 +.97 +15.5 TibcoSft +.52 RiteAid +.49 SPDR Fncl 641108 21.61 +.13 Cyclacel pf 9.29 +1.19 +14.7 DS Hlthcre 2.26 -.24 -9.6 Soybeans (bu) 13.39 13.27 +.90 -5.62 +.26 6.11 +.45 -21.14 6.14 48.08 -4.97 -9.4 Wheat (bu) 604522 15.42 +.12 RedHat 56.10 +7.10 +14.5 CarMax +.34 FordM +3.23 +3.34 TRENDS INTEREST RATES +1.21 +.89 52-WEEK YTD 52 WK CHG YR AGO PVS CLOSE +2.87 HIGH CHG CHG CHG % CHG LAST INDEX LOW -.09 3-month T-bill .06 .06 ... .06 -.07 7,304.49 5,187.17 D.J. Transport 7,282.26 +75.80 +1.05 +37.23 +36.35 6-month T-Bill .09 .09 ... .10 +1.48 443.69 D.J. Utilities 488.34 +4.60 +.95 +7.78 +6.71 1-yr T-note +1.06 537.86 .19 ... .16 .16 +6.46 10,229.57 8,298.36 NYSE Comp. 10,196.07 +44.54 +.44 +20.76 +20.76 2-year T-Note .27 +.01 .37 .38 +.68 4,104.74 +46.60 +1.15 +35.94 +35.87 10-year T-Note +.40 4,081.78 2,951.04 NASD Comp. 1.80 -.04 2.93 2.89 +.11 1,813.55 1,398.11 S&P 500 1,818.32 +8.72 +.48 +27.49 +27.14 30-year T-Bond 3.82 3.91 -.09 2.98 -1.63 825.14 Russell 2000 1,145.95 +20.49 +1.82 +34.92 +35.15 Bond Buyer Muni Idx 5.13 5.13 ... 4.11 +.64 1,147.00 +.30 19,276.43 14,700.70 Wilshire 5000 19,370.19 +134.08 +.70 +29.18 +28.91 The prime rate stands at 3.25 percent. +.51 +.18 +.73 FRI WK’S FRI WK’S FRI WK’S FRI WK’S FRI WK’S +.45 LAST CHG CHG LAST CHG CHG LAST CHG CHG LAST CHG CHG LAST CHG CHG +.62 +.45 TractSup s 74.92 +.85 +2.89 StdPac 8.43 +.23 +.38 SCANA 47.25 +.23 +.71 PrecCastpt 267.85 +3.96 +14.74 VishayInt 12.95 +.24 +.75 +.67 9.07 +.22 +.12 SEI Inv 45.04 +.10 +1.37 Vivus 34.58 +.54 +1.44 StdRegis rs 6.82 +.07 +.40 TrCda g 9.56 +.29 -.18 +.06 PrecDrill 1.10 +.37 +.35 VMware 62.72 +1.68 +2.56 TrnsatlPet 10.85 +.03 +1.27 Standex Premier n 38.25 +.31 +1.61 SFX Ent n 90.18 +2.83 +4.56 8.33 -.01 Vocus 24.88 +.05 +1.15 StanBlkDk 80.56 -.17 +.08 TrnsRty 35.25 -.62 +.48 SK Tlcm 11.16 +.76 +1.24 -.01 Prestige 5.09 -.35 -.57 SLGreen 47.00 -.15 -1.22 Vodafone 15.73 +.15 +.30 Transocn 91.90 -.65 +2.14 Staples 38.32 -.02 +1.52 +.60 Pretium g ... Travelers 1.25 +.07 89.18 +.39 +2.69 Volcano 82.88 +.75 +4.51 SLM Cp 25.95 +.01 +.19 StarScient 21.28 +.06 -.01 +.27 PriceTR 27.75 +1.75 +3.89 Vonage 48.75 +.55 +.67 SM Energy 81.14 -.44 +1.44 Starbucks 77.66 +.51 +1.31 Tredgar 3.20 +.10 -.02 +2.29 PrinFncl 79.96 +3.23 +10.22 Vornado 28.66 +.42 +1.00 SpdrDJIA 162.01 +.52 +4.75 StarwdHtl 78.90 +1.14 +4.70 Trex 88.84 +.24 +.77 +2.65 PrivateB 19.61 +.16 +.45 Voxeljet n 36.89 +1.65 -.91 27.85 +.23 +.53 TriContl 36.83 +.10 +.82 SpdrGold 115.94 +1.12 -3.44 StarwdPT +1.69 ProLogis 44.00 -1.16 -.17 Vringo 28.70 +.52 +1.29 TriCntl pf 2.91 +.03 -.11 +1.62 ProShtS&P 25.65 -.15 -.66 SpdrEuro50 40.84 +.28 +1.48 Starz A 9.02 +.19 -.10 VulcanM 71.55 +.52 +1.82 TriangPet 239.67 +2.67 +5.21 StateStr 57.34 +.18 +1.21 +.12 ProUltQQQ 96.37 +1.90 +4.12 SP Mid TrimbleN s 33.88 +1.17 +2.20 Statoil ASA 23.30 -.06 +.77 S&P500ETF 181.56 +1.05 +4.43 PrUShQQQ 15.51 -.32 -.73 W-X -.50 99.19 +.99 +4.65 Spdr Div 71.76 +.54 +1.60 StlDynam 18.53 -.04 -.25 TrinaSolar 13.46 -.41 +1.44 W&T Off 15.77 +.22 +.83 +.27 ProUltSP 55.50 +.80 +3.90 WD 40 74.22 +1.48 -1.07 +.16 ProShtR2K 17.20 -.26 -.57 SpdrHome 32.14 +.40 +1.37 Stericycle 113.69 -.84 -.89 Trinity 83.13 +1.11 +1.75 WPCS rs 11.75 +.14 +.44 TripAdvis SpdrS&PBk 32.79 +.34 +.78 StillwtrM ProUPQQQ 118.08 +3.45 +7.46 1.57 -.13 -1.63 +.06 7.99 +.06 +.03 WPX Engy 20.14 +.54 +1.12 +.09 StoneEngy 34.14 +.57 +2.63 TriQuint +1.20 ProSht20Tr 32.27 -.51 -.37 SpdrShTHiY 30.88 +6.51 +.35 +.09 +1.50 +.05 +.28 +.12 91.64 17.09 s n +.03 22.85 40.61 Tronox StonegtM SpdrLehHY PUltSP500 Wabash 12.00 +.07 +.43 +1.80 33.11 -.27 +1.38 Wabtec s 73.78 -.02 +4.34 +.50 PrUVxST rs 18.48 +.28 -2.47 SpdrSTCpBd 30.74 -.02 -.03 Stratasys 125.87 +3.06 +5.88 Trulia 26.99 +.18 +.39 WaddellR 64.08 +.67 +2.00 +.71 PrShtVxST 129.34 -.68 +6.97 SpdrLe1-3bll 45.78 -.01 -.01 StratHotels 9.50 +.11 +.70 Trustmk 5.75 +.05 +.31 WageWrks 59.89 +.03 +.52 74.72 +.87 +3.16 Tsakos +.94 PrUltCrude 32.41 +.27 +1.46 SpdrS&P RB 40.10 +.50 +1.19 Stryker 15.54 +.30 +.10 WalMart 87.14 +.84 +1.85 SumitMitsu 10.29 +.09 +.49 TuesMrn 77.43 +.19 -.65 -.10 PrUShCrde 31.48 -.27 -1.52 SpdrRetl 95.29 +.43 +2.67 Walgrn +.18 +.38 +.95 +2.47 15.61 +.23 -.58 Tuppwre SummitHtl 8.98 SpdrOGEx 67.73 ProUltSilv 59.04 +2.10 +2.03 +.59 3.18 +.01 -.03 WalterEn 14.79 -.57 +.38 +3.06 ProUShEuro 17.25 -.06 +.13 SpdrMetM 39.40 -.35 +.77 SunCokeE 22.45 -.17 -.03 TurqHillRs .80 -.03 -.05 WalterInv 96.84 +.63 +3.99 Suncor gs 34.08 -.12 +.31 TurqH rt 35.78 -1.48 -1.98 +.39 ProctGam 81.84 -.06 -.53 SPX Cp 7.58 +.23 +.23 SunEdison 12.77 +.13 +1.31 21stCFoxA 34.30 +.33 +1.37 WasteConn 42.92 +.10 -.12 +.41 PrognicsPh 5.17 +.24 +.78 STMicro 1.26 -.09 -.27 SunPower 29.16 -.59 +1.44 21stCFoxB 33.58 +.36 +1.50 WsteMInc 44.37 +.48 +.75 26.82 +.12 +.58 STR Hldgs +.47 ProgsvCp 22.40 +.96 +2.56 Watsco 10.98 +.33 +.72 SunstnHtl 13.31 +.10 +.58 21Vianet 94.33 +1.76 +.56 +.11 ProUShSP 30.68 -.38 -1.61 SABESP s 60.01 +2.52 +1.01 WeathfIntl 15.17 +.26 +.46 33.08 +.26 -.24 SunTrst 36.39 +.28 +1.40 Twitter n +1.10 ProUShL20 76.24 -2.33 -1.69 Safeway +.39 -.87 +3.90 +.05 -.39 +1.07 -.49 9.50 12.48 rs +.22 61.89 4.09 TwoHrbInv SuperCm StJude ProUSR2K +.40 +1.53 38.45 WebMD +.13 39.60 +.69 +2.25 WebsterFn 30.11 +.39 +1.17 25.11 -.05 +.09 TycoIntl +.06 PUSSP500 15.87 -.29 -1.27 Salesforc s 53.72 +.65 +2.59 SupEnrgy 33.21 -.63 +.10 WtWatch 7.02 +.15 +.61 Tyson 87.61 +2.04 +3.56 Supvalu 11.32 -.57 -1.22 SalixPhm 32.13 +.30 +.25 +3.14 PUPSR2K 30.00 -.02 +2.25 SurgCare n 33.81 -.17 -.14 U-V WeinRlt 27.61 -.15 +.16 +3.08 PrUPShQQQ 15.10 -.47 -1.08 SallyBty 18.74 +.17 +.49 WellPoint 12.80 +.29 +.47 UBS AG 89.59 +.84 +1.84 +.20 ProspctCap 11.31 +.09 +.19 SanchezEn 23.73 +.23 +.25 SusqBnc UDR 23.02 -.08 -.54 SwERCmTR 8.22 +.04 +.07 SanDisk 69.51 +.85 +3.24 ProspBcsh 62.52 -.06 +.94 -.06 +1.23 44.96 WellsFargo -.09 25.49 +.64 +.91 Wendys Co 8.68 +.22 +.32 13.69 +.35 +1.31 UFP Tch 5.79 +.14 +.38 SwftEng 91.33 +1.16 +3.14 SandRdge -.33 Prudentl -.36 -.02 -.13 -1.49 +1.25 +.10 -.03 22.07 +.85 4.18 14.20 g Corp 41.00 UGI SwiftTrans SandstG PsychmCp WernerEnt 24.59 -.27 +.68 +.79 .53 +.07 +.07 UIL Hold 13.74 +.81 +1.55 SwisherH h 31.75 +.10 -.11 SangBio 38.82 +1.33 +2.12 WescoAir 22.27 +1.35 +1.81 -2.63 PSEG 16.22 +.01 +.97 Symantec 22.51 -.48 +.40 UNS Engy 59.70 +.09 +.76 WestPhm s 49.40 +1.56 +1.73 18.62 +.37 +.64 Sanmina +2.83 PulteGrp 51.84 +.31 +2.14 Synaptics 49.78 +1.06 +.31 URS 51.16 +.09 +.47 WestarEn 31.79 +.32 +.24 +.36 PumaBiotc 101.39 +1.09 +14.47 Sanofi 32.53 +.32 +.24 WAHiInOp .75 +.05 +.09 Synchron 30.37 +1.36 +.54 US Silica 5.44 +.04 +.06 Sanofi rt 5.96 +.02 +.10 +.26 PPrIT USEC rs 4.47 +.43 -4.34 SynrgyPh 4.32 +.09 +.09 Santarus 31.93 -.01 Q-R +1.06 +.69 16.98 WstAstMtg +.71 25.78 +.02 +.06 WDigital 9.25 -.25 -.01 USG 17.40 +.52 +1.31 SynergyRs 82.68 +.58 +3.63 -.45 QAD Inc B 14.96 +.22 +1.22 Sapient 39.63 +.49 +1.49 UTiWrldwd 17.22 +.42 +.98 WstnRefin 39.84 +1.43 +1.49 30.01 -.45 -.68 SareptaTh 19.55 +1.09 -.18 Synopsys +1.24 QEP Res 43.49 +1.97 +3.32 WstnUnion 17.01 +.13 +.64 3.52 +.07 +.15 Ubiquiti 87.27 +.80 +.90 Synovus -1.40 QTS RltT n 21.80 +.85 +1.21 Schlmbrg 4.87 +.42 +.19 UltaSalon 95.19 +1.75 +3.23 WstptInn g 18.38 +.70 -.10 +.25 Qihoo360 78.72 +1.11 -2.24 Scholastc 31.63 +1.82 +3.51 SyntaPhm UltraPt g 20.80 -.07 -.33 WetSeal Sysco 36.45 +.19 +.17 SchwEMkt 24.37 -.25 -.26 QlikTech 26.08 +.52 +1.52 2.64 +.10 +.17 +.14 18.94 +.34 +.63 Weyerhsr 25.61 +.03 +.82 T-MoblUS n 31.00 +1.39 +3.36 Umpqua 11.43 +.17 +.27 Schwab 31.40 +.13 +1.39 +.23 Qlogic UnderArmr 86.04 -.01 +2.35 TCF Fncl 15.99 +.21 +.29 SciApplic n 31.47 +.40 -2.24 Qualcom 72.91 +.48 +.33 Whrlpl 155.28 +1.76 +6.43 +.99 105.04 +1.66 +3.12 WhiteWave 21.84 -.17 -.83 16.86 +.05 +.75 UniFirst +.35 QualitySys 20.58 -.03 -.21 SciGames 16.49 +.69 -.50 TCP Cap 39.01 +.29 +.75 WhitingPet 61.57 +.11 +2.55 5.30 -.03 -.04 UnilevNV +.99 QuantaSvc 30.66 +.38 +1.93 ScorpioB n 9.38 -.02 -.37 TCW Strat 39.91 +.29 +.78 WholeFd s 59.27 +.52 +3.26 +1.20 Unilever 1.21 +.01 ScorpioTk 11.88 +.26 +.86 TD Ameritr 30.41 +.46 QntmDSS 4.12 -.02 -.33 WidePoint 7.33 +.22 +1.25 ScrippsNet 83.69 +.33 +2.96 TE Connect 53.74 +.73 +1.76 Unilife 1.45 +.08 -.01 +3.71 QuantFu rs UnionPac 163.60 -.59 +2.85 WmsCos TECO 17.04 +.14 +.23 SeadrillLtd 39.19 +.65 -.90 QstDiag 53.52 +.73 -.68 37.01 +.12 +2.76 +.43 33.55 +1.19 +3.70 WmsPtrs 25.54 +.30 +1.33 Unisys 55.66 +3.17 +5.66 TIM Part 22.99 +.27 +.49 SeagateT 49.77 +.75 +.37 +1.71 Questar 62.49 -.06 +1.32 UtdCmBks 17.73 +.15 +.38 WmsSon 32.95 +.40 +1.10 TJX 53.26 +.72 -.05 SealAir 57.90 -.63 -.32 +1.82 Questcor 37.39 +.12 -1.14 WillisGp 7.18 +.16 +.42 UtdContl 2.72 +.04 -.13 SearsHldgs 45.94 +.45 +.58 TRC Cos 44.93 +.30 +.58 +.06 QksilvRes 1.95 -.03 -.01 WilshBcp 72.77 -.30 -1.43 UtdMicro 39.78 +1.13 -.43 TRWAuto 27.54 +1.18 +1.69 SeattGen 10.70 +.08 +.35 +2.36 Quidel 8.21 +.25 -.37 UtdOnln rs 14.28 +.52 +.49 Windstrm 8.63 +.39 +.35 SeaWorld n 29.34 +.07 +.23 TTM Tch 8.24 +.09 +.28 -.38 Quiksilvr 103.33 +.15 +1.95 Winnbgo 20.91 -.14 +.93 tw telecom 29.59 -.11 +.42 UPS B 26.49 -.83 -5.02 +.86 QuintTrn n 45.42 +.26 +.45 SelCmfrt UtdRentals 77.35 +2.48 +5.36 TableauA n 66.10 +.96 +.81 SelMedHld 11.01 +.57 +1.28 RAIT Fin 8.99 +.29 +.47 WiscEngy 41.56 +.33 +1.03 +.04 16.99 -.06 -.09 US Bancrp 40.05 +.01 +.99 WisdomTr 17.25 +.59 +2.12 +3.35 RDA Micro 17.95 +.41 +.57 SempraEn 89.80 +1.49 +3.31 TaiwSemi 21.79 +.04 +.38 WTJpHedg 50.00 +.08 +.63 17.58 -.22 +.64 US NGas 24.20 -.47 -3.44 TakeTwo 4.95 +.08 -.09 Semtech +2.52 RF MicD 35.48 +.16 +.84 WT EmEq 11.47 -.18 -.23 US OilFd 22.29 +.26 +.27 TalismE g 50.11 -.24 +.01 +.15 RLJ LodgT 24.50 +.16 +1.68 SenHous 27.95 -.69 +.64 WT India 37.97 +.09 +.65 TandemD n 23.70 +1.09 +1.03 USSteel 40.64 +.41 +1.00 SensataT 17.11 +.54 +.45 +.74 RPM UtdStatn 44.75 +.63 +1.72 Tangoe 17.67 +1.23 +1.99 Sensient 48.18 +.37 -.25 Rackspace 37.08 +1.14 +2.16 Wix.com n 27.96 +1.09 +3.73 +5.61 110.66 +1.16 +3.31 WolvWW s 32.59 +.24 +.36 1.71 -.05 -.18 UtdTech 2.22 +.07 +.09 TanzRy g +.73 RadianGrp 13.93 -.04 -.31 Sequenom 4.10 +.25 -1.36 UtdhlthGp 73.35 +.96 +2.87 Workday 2.62 -.03 -.06 ServiceCp 17.39 +.22 -.22 Targacept 81.85 +1.72 +1.87 -.04 RadioShk 51.46 +1.53 +1.95 Worthgtn 62.49 +.34 +.13 UnivFor 9.61 +.29 +.07 ServcNow 54.21 +3.37 +3.68 Target 41.44 -2.61 +1.00 +1.93 Rambus 40.93 +.55 -.04 WuXi 16.20 +.06 +.68 UnvHR 8.44 +.39 +.31 TASER 15.57 +.14 +.51 SvcSource 36.07 +.46 +2.24 +.19 RamcoG UnivHlthS 79.40 +.38 -1.93 TataMotors 30.35 +.31 +.20 ShandaGm 4.41 +.03 +.05 Randgold 61.20 -1.67 -2.88 Wyndham 72.97 +1.02 +2.38 +7.24 34.38 +.09 +.47 Wynn 63.65 -.10 -1.33 UnumGrp 182.15 +2.00 +4.18 Taubmn 82.45 +.67 +2.76 Sherwin 185.35 +.24 +3.59 +.28 RangeRs Ur-Energy 1.13 ... TeckRes g 24.67 +.62 +1.68 ShipFin 15.68 +.32 -.09 RaptorPhm 13.10 -.09 -.49 XL Grp 31.10 +.36 +1.45 +1.54 137.71 +.68 +4.62 TecumsehB 8.42 -.03 +.11 UraniumEn 1.79 +.02 +.13 XOMA 1.20 -.09 -.16 Shire 6.70 +.40 +1.43 +.38 RareEle g 3.67 +.30 +.27 UrbanOut 36.48 +.76 +.70 XcelEngy 28.21 +.06 +.47 +.49 RJamesFn 51.47 +.86 +2.63 ShoeCarnvl 28.84 +.33 +.56 TeekayTnk 55.09 +1.96 +4.30 Xerox 42.68 +.35 +.47 Shutterfly 50.24 +1.24 +2.52 TelefBrasil 18.35 -.12 +.41 UtahMed 11.88 +.10 +.55 +1.49 Rayonier 30.70 +.32 +.72 Xilinx 15.82 +.37 VCA Ant 88.39 -.10 +1.95 SibanyeG n 4.59 +.07 -.06 TelefEsp 44.71 +.40 +1.39 +2.52 Raytheon VF Cp 245.79 +7.31 +11.31 TmpEMF 16.85 +.10 -.43 SiderurNac 5.89 -.16 +.35 RealGSolar 2.53 -.06 +.29 Xylem 34.08 -.08 +.27 -.18 7.17 +.21 +.69 Y-Z 7.87 +.10 +.04 VaalcoE 21.49 +1.06 +2.57 TmpGlb 48.23 +.86 +1.22 SierraWr +.15 Realogy 34.60 +.18 +5.98 YPF Soc 4.40 +.10 -.08 TempurSly 51.44 +.29 +1.62 Valassis 37.64 -.40 -.61 SigmaDsg 33.41 +.16 +4.20 ... RltyInco 14.43 -.38 -.24 YRC Wwde 14.97 -.02 +2.48 90.56 +.68 +1.12 TenetHlth 40.31 +.46 -.03 Vale SA 56.10 +7.10 +9.33 SigmaAld +.27 RedHat 66.80 +1.83 +2.08 Vale SA pf 13.28 -.40 -.26 YY Inc 19.37 +.21 -.17 SignetJwlrs 77.44 +1.38 +2.01 Tennant 49.08 +.89 -.85 +.14 RegalEnt ValeantPh 112.00 +.10 +5.17 Yahoo Tenneco 54.99 -.17 -.50 SilicnImg 5.77 +.14 +.34 RegncyEn 24.19 +.04 -.27 40.12 -.08 +.39 -.10 47.49 +.83 +1.36 Yamana g 44.78 +2.60 +3.79 ValeroE 5.86 -.08 +.03 Teradata 8.46 +.01 -.23 -.25 Regenrn 278.69 +8.14 +9.10 Slcnware 9.99 +.17 +.23 Yandex 16.73 +.16 +.34 VlyNBcp 6.57 -.07 +.27 Teradyn 9.63 +.04 +.10 SilvStd g 40.29 +.61 +2.08 +5.39 RegionsFn 6.50 -.13 +.14 Yelp 39.70 -.26 +1.28 ValVis A 14.81 +.75 +.23 SilvWhtn g 19.74 -.01 -.62 Terex 68.01 +2.52 +3.96 +.09 Regis Cp 2.24 -.02 -.11 TeslaMot 143.24 +2.52 -4.41 ValueClick 23.26 +.43 +2.09 YingliGrn 5.14 -.05 +.93 -.65 Relypsa n 24.81 -1.22 -1.11 SilvrcpM g 56.16 -.23 -.14 VandaPhm 11.07 +.59 +.76 YoukuTud 28.67 -.47 -2.21 +.33 RemaxH n 30.72 +1.19 +2.96 SimonProp 154.71 +.71 +3.08 Tesoro 79.91 +.20 +1.52 TesoroLog 50.39 +1.24 +1.01 VangSTBd 80.28 -.06 -.05 YumBrnds 73.39 +.64 +1.58 3.46 +.26 +.69 Sina +.88 ReneSola 27.68 +.48 +.63 VangTotBd 80.58 +.15 +.15 ZaleCp 33.78 +.15 +.01 TetraTc 2.99 +.01 +.08 Sinclair 15.01 -.12 +.53 -.04 Renren 91.65 +.63 +2.42 ZebraT 3.52 +.09 -.01 TevaPhrm 39.51 +.15 -.31 VangGrth 33.49 +.17 +.14 SiriusXM 52.67 +.70 +2.37 +1.67 RentACt 94.33 +.62 +2.36 Zillow 1.71 +.06 +.06 SkywksSol 27.69 +.22 +.37 TxCapBsh 60.78 +1.31 +3.77 VangTSM 79.85 +.15 +4.93 +.45 Rentech 42.84 +.38 +.89 VanSP500 rs167.18 +.84 +4.00 Zimmer 12.69 +.04 -.03 SmithWes 12.93 +.15 +.56 TexInst 92.74 +.13 +2.23 +.19 Replgn 65.52 +.40 +1.16 ZionBcp 37.29 +4.72 +5.83 VangREIT 18.78 +.09 +1.60 SmithAO s 53.99 +1.27 +1.49 Textron 29.22 +.75 -.55 ReprosTh VangDivAp 74.00 +.29 +1.82 TherapMD 4.82 +.41 +.39 SocQ&M 24.15 +.75 +.99 RepubAir 10.54 +.84 +.82 Ziopharm 4.00 +.01 +.05 -.35 49.29 +.20 +.93 Zoetis n 70.04 +.19 +2.75 Theravnce 34.50 -.48 -1.12 VangAllW 32.38 +.07 +.80 +.52 RepubSvc 33.29 +.29 -.65 Sohu.cm 39.95 -.08 -.17 Zogenix 55.80 -1.10 +4.64 ThermoFis 108.57 +.41 +7.23 VangEmg 46.09 +.44 -.37 SolarCity 3.09 -.06 +.07 +.36 ResMed 56.86 +.29 +1.74 Zulily n 42.49 +.88 +2.90 ... ResoluteEn 8.99 +.24 +.72 SolarWinds 37.13 +.10 +1.57 ThirdPtR n 18.52 +1.32 +2.33 VangEur 1.99 +.11 -.15 VangFTSE 40.47 +.21 +.92 ZweigFd 6.11 +.11 +.29 Solazyme 10.01 +.52 +1.12 ThomCrk g 14.57 +.03 +.38 -4.03 ResrceCap 2.96 +.02 +.87 ThomsonR 37.69 +.36 +.89 VantageDrl 1.79 +.01 -.01 Zynga 4.00 -.06 -.11 +.28 Responsys 27.40 +7.88 +8.08 SoltaMed 31.76 +1.59 +2.58 52.13 +.25 -1.64 Vantiv +2.43 RestorHdw 67.65 +2.82 +2.40 SonicCorp 20.86 +.44 +.61 Thor Inds VarianMed 76.07 -.70 -.39 Thoratec 35.94 -.69 -.08 SonocoP 40.82 +.04 +.24 RetailOpp 14.99 +.34 +.59 +.14 35.29 +.54 +1.01 86.42 +3.23 +5.45 Vectren 3.06 -.02 +.32 3D Sys s +1.14 RetailProp 12.91 +.15 +.12 Sonus 136.72 +.31 +10.29 VeevaSys n 33.69 +.75 -3.24 17.56 +.08 +.05 3M Co +1.39 RetailNot n 28.73 +.10 +2.82 SonyCp 2.10 +.01 +.29 22.01 -2.47 -2.02 Venaxis 50.93 +.59 +.53 TibcoSft +.83 RexEnergy 20.60 +1.20 +.98 Sothebys 57.35 +.70 +1.37 90.62 +.19 +1.65 Ventas 55.17 +.55 +.17 Tiffany .43 -.01 +.00 SoJerInd +1.65 RexahnPh VeriFone TileShop SouthnCo ReynAmer 24.15 17.41 41.06 48.77 +.85 -.26 -.02 +1.17 +.27 +.94 -.05 -.19 +.10 59.27 +1.14 +2.22 2.47 +.05 -.04 SthnCopper 27.45 +.42 +1.97 TW Cable 132.46 -1.28 +1.05 Verisign +1.31 RigelPh VerizonCm TimeWarn SwstAirl RingCent n 48.08 68.34 18.86 17.63 -.35 +.24 +.44 +.24 -.15 +2.79 +.23 +.20 +.11 71.83 +1.88 +6.65 53.61 +1.15 +1.95 VertxPh 53.83 +.14 +2.05 SwstnEngy 39.32 -.18 +.74 Timken +.28 RioTinto 84.29 -.03 +2.94 12.61 +.26 +.22 ViacomA 6.65 +.20 -.13 TiVo Inc 4.99 -.18 -.57 SpartnMot +7.54 RiteAid 84.16 +.04 +2.96 35.16 +.94 +2.57 ViacomB 23.84 +.23 +.94 TollBros +.16 RiverbedT 17.58 +.39 +.87 SprtnStr 1.10 +.06 +.05 33.25 +.91 +1.39 Vical 41.16 +1.42 +1.84 SpectraEn 34.16 +.27 +.94 TootsieR +1.99 RobtHalf VimpelCm 12.30 +.06 +.17 Toro Co 61.88 +.68 +2.67 SpectPh 8.42 +.15 -.70 RockTen 102.98 +.95 +2.18 +.70 59.54 +.57 +3.01 VinceHld n 30.54 +.54 -1.30 -.25 RocketF n 59.00 +2.17 +13.04 SpiritAero 33.60 +.70 +1.61 Total SA 3.82 -.18 +1.13 33.06 +.32 +1.87 ViolinM n 46.06 +1.82 +3.02 TotalSys +1.93 RockwlAut 116.51 +2.48 +5.99 SpiritAir 20.31 +.65 +1.75 2.65 +.10 -1.13 VirnetX 9.85 +.01 +.03 TowerGp lf +7.74 RockwllM 11.43 +.28 -1.89 SpiritRC n 49.79 +.02 +.05 6.50 +2.01 +2.55 ViroPhrm 69.52 +1.03 +1.79 TowerSemi 46.93 +.52 -.95 Splunk +.34 RosettaR 215.97 -.11 +8.61 74.02 +.70 +2.28 Springlf n 23.58 +.12 +1.08 TowersWat 125.07 +1.44 +4.28 Visa +.62 RossStrs 9.86 +.62 +1.43 +1.12 Rovi Corp 18.53 +.71 +1.22 Sprint n SprottSilv 7.62 -.03 -.08 Rowan 33.69 +.75 +.05 -.63 46.96 +1.05 +3.25 SprottGold 9.95 +.12 -.26 +.66 RylCarb STOCK TABLE FOOTNOTES 37.81 +.24 +1.52 +.98 RoyDShllB 72.86 +.15 +2.81 Sprouts n 44.93 +.14 +1.22 RoyDShllA 69.55 +.42 +2.98 SP Matls d — new 52-week low; e — declared or paid in preceding 12 months; f — annual rate, +.55 54.91 +.28 +1.33 44.06 +.52 -1.26 SP HlthC increased on last declaration; g — dividend or earnings in Canadian money (stock prices +.27 RoyGld SP CnSt 42.55 +.19 +.60 Royce 15.74 +.23 +.69 +.05 in U.S. dollars); n — issued in the past 52 weeks; s — split or stock dividend of 20% or .73 +.02 -.03 SP Consum 65.66 +.27 +1.44 +.08 Rubicon g more in the past 52 weeks with the high-low range adjusted; u — new 52-week high; 86.67 +.15 +1.94 14.47 +.13 +1.57 SP Engy +1.19 RuckusW v — trading halted on primary market, but unless dividend is noted, rates are annual disSPDR Fncl 21.61 +.13 +.58 Ryder 71.39 -.10 +3.70 +.05 51.26 +.41 +1.75 40.87 +1.07 +2.41 SP Inds bursements based on last declaration; pl — preferred; pp — holder owns installment(s); +.01 Ryland SP Tech 34.96 +.27 +.93 RymanHP 42.20 +.45 +.74 rt — rights: un — units; wd — when distributed; wi — when issued; +.57 SP Util 37.83 +.37 +.72 +1.92 S-T wt — warrants; ww — with warrants; x — ex-dividend or rights; xw — without warrants 35.88 +.43 +1.06 87.06 -.15 -.48 StMotr +3.29 SBA Com

I6 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Mutual Funds

Fund

Listings are the largest non-institutional mutual funds as of close of business Friday.

Fund

YTD Return Last

Fri Chg Fund

A-B

AMF Funds: UltShrtMtg +2.0 7.36 Aberdeen Funds: IntlEqA NA 27.67 IntEqIIA t NA 11.77 AcadEm -4.7 18.30 Advance Capital I: Balanc p +15.8 19.52 RetInc -.5 8.63 AdvisorOne : AmerigoN +21.8 17.09 ClermontN +9.7 11.33 AegisValFd +32.5 21.56 Akre Funds: FocusRetl +36.7 20.50 Alger Funds A: CapApr +32.7 20.65 SmCapGr +31.4 9.01 SpectraN +32.9 17.23 Alger Funds I: CapApprI +32.6 26.15 MidCpGrI +33.5 20.28 SmCapGrI +31.9 28.35 AllianceBernstein : BdInfla 1 -5.6 10.59 LtdDurHi +5.4 10.67 MuBdInfla 1 -3.7 10.21 Muni Inco -7.1 9.90 RealAsset 1 -2.5 10.69 SelUSEqAd +29.0 14.55 AllianceBern A: BlWlStrA p +12.8 13.29 ConWlthA p +5.7 11.85 DiscGrA p +36.4 9.26 EqtyIncA p NA 28.63 GloblBdA -2.0 8.26 GblRisk p NA 16.26 GlbThGrA p +19.9 79.20 GrIncA p +31.8 5.24 GrowthA p +31.6 55.15 HighIncoA p +6.4 9.38 IntGroA p +10.3 15.88 IntlValA p NA 13.63 LgCpGrA p +35.1 37.53 NtlMuA p -4.1 9.82 QualBdA p -1.3 10.91 SmCpGrA +42.5 50.15 AllianceBern Adv: DiscValAdv NA 23.14 SelUSLgSh +19.7 11.82 TxMWApAd +24.3 15.16 UnconstBd +.3 8.67 ValueAdv t NA 12.95 WlthApSt +21.8 14.46 Allianz Funds A: FocGrthA +36.9 39.36 MCapValA +29.2 23.29 AmanaGrw +20.8 32.47 AmanaInc +27.5 43.35 Amer Beacon AMR: BalAmr +20.0 14.92 Amer Century Inv: +27.4 31.78 AllCapGr +16.2 18.11 Balanced CAIntTF -1.3 11.53 +32.2 17.32 DiscGrth -1.5 8.63 EmgMkI EqGroI +30.5 30.31 +18.0 8.53 EqInc -2.1 10.65 GNMAI GlGold -53.1 8.42 +28.5 12.22 Gl Grwth -2.6 10.94 GovBd GrowthI +27.2 32.12 +29.2 25.13 HeritageI -5.3 8.73 HiYldMu IncGro +33.2 35.79 -2.4 10.27 InflProBd -8.7 11.71 InfAdjBd IntTF -2.3 11.13 -5.2 13.85 IntlBnd +25.7 12.65 IntDisc IntlGroI +19.6 13.29 +29.2 8.02 LgCoVal +10.7 13.68 LivS2015 MCapVal +28.3 15.61 -2.1 10.59 NTDvBd -1.5 10.36 NTEmgMkt NTEqGrp +30.8 12.06 +28.0 15.25 NTGrwth +28.6 12.47 NT Heritg NTIntGr +19.7 11.40 +29.3 11.79 NTLgVal +28.6 12.06 NT MCVl NTSmCoInst +41.8 10.38 +35.7 11.36 New Opp OneCh2020 +11.7 12.04 OneCh2025 +13.0 14.33 OneCh2030 +14.8 12.20 OneCh2035 +16.6 15.32 OneCh2040 +18.2 12.58 OneCh2045 +19.4 15.86 OneCh2050 +19.9 12.53 OneChCon +9.6 13.08 +18.9 15.76 OneChAg +14.8 14.48 OneChMd VeryCons +4.0 11.74 +23.9 16.56 OneChVAg +10.3 12.83 OneChRet RealEstI +1.1 23.46 +27.9 55.23 SelectI +.2 10.43 ShortDur SGov -.4 9.65 +38.7 12.48 SmCapGr +32.6 9.58 SmCpVal SmallCo +41.6 12.34 +18.2 8.41 StrAgg +9.3 5.86 StrConv StrMod +14.3 7.15 +34.6 33.59 Ultra +17.1 16.21 Util ValueInv +29.0 8.13 +5.9 114.19 ZrCpn2015 ZrCpn2020 +2.2 93.98 American Funds A: +35.0 26.95 AmcpA pe AMutlA px +25.9 34.27 BalA p +20.3 24.14 -1.6 12.46 BondA p CapIBA p +13.1 57.62 CapWGA p +22.6 44.49 -2.8 20.13 CapWA p EupacA p +17.7 48.50 FdInvA p +29.3 51.11 +15.8 30.59 GlblBalA GovtA p -2.7 13.71 GwthA p +31.7 42.33 +6.0 11.34 HI TrA p HiInMuniA -3.5 14.27 IncoA px +16.7 20.38 IntBdA p -1.0 13.45 IntlGrIncA px +15.5 34.24 ICAA p +30.2 38.79 LtTEBA p -.1 15.94 NEcoA p +41.0 40.09 N PerA p +24.5 38.92 NwWrldA +8.2 58.94 STTxExBd +.5 10.23 STBFA p -.3 9.98 SmCpA p +27.1 50.73 TxExA p -2.8 12.38 2050TarA p +24.2 12.37 2045TRetA p +24.3 12.60 2040TarA p +24.2 12.62 2015TarRet p +14.2 11.03 2020TarRet p +17.0 11.36 2010TRetA p +11.3 10.60 2030TRet p +23.3 12.45 2035TRetA p +23.7 12.44 2025TRetA p +21.6 12.00 WshA px +29.8 38.81 Ariel Investments: Apprec +43.2 54.97 Ariel +41.4 72.42 Artisan Funds: GlblOppInv +22.1 17.99 GblValInv +28.0 14.98 Intl +22.1 29.74 IntlSmCp r +24.8 26.16 IntlVal r +27.5 35.94 MidCap +35.6 46.99 MidCapVal +33.5 26.55 SmCap +42.0 29.46 SCapVal +25.2 18.51 Value Inv +23.4 13.18 AuxierFocI +21.7 19.79 Ave Maria Funds: Group p +29.4 30.67 RisingDiv +31.5 17.62 BBH Funds: CorSelN +24.6 21.07 IntlEq +14.4 14.90 LtdDurN +1.1 10.38 BMO Funds: CorePlBdY -1.2 11.44 IntTxFrY -1.6 10.82 MidCpVY +35.8 15.83 SmCpGrY +39.5 21.91 BNY Mellon Funds: AssetAlloM +14.0 12.60 BondFd -2.1 12.75 EmgMkts -3.8 9.76 IncmStk +31.8 9.01 IntlFd +23.2 12.18 IntBdFd -1.2 12.68 LgCpStk +25.0 6.35 MAIntMun -2.3 12.62 MCapMltSt +34.2 14.27 NtIntMu -1.5 13.35 NtShTMu +.4 12.91 PAIntMu -2.7 12.23 ShTUSGv -.1 12.01 SmCpStk +41.5 16.87 Baird Funds: AggBdInst -.9 10.49 CorBdInst -1.0 10.86 IntMuBInst -1.1 11.59 IntBdInst 11.07 ShtTBdInst +1.3 9.73 Baron Funds: Asset +36.8 61.14 Growth +36.6 71.47 Oppty t +36.0 19.38 Partners p +44.8 32.68 RealEstate +24.7 21.83 SmallCap +35.3 34.17 Bernstein Fds: ShDvMu +.4 12.61 ShtDur 11.76 IntDur -2.0 13.41 Ca Mu -1.6 14.24 DivMu -1.2 14.29 NYMu -1.7 13.95 TxMgdIntl +16.5 15.97 IntlPort +16.2 15.89 EmMkts -4.0 26.85 Berwyn Funds:

... ... ... -.04 +.10 +.01 +.08 +.03 +.28 +.20 +.12 +.17 +.11 +.17 +.18 +.54 +.01 +.01 ... -.01 +.05 +.05 +.05 +.02 +.14 ... +.01 ... +.67 +.01 +.34 +.01 +.08 ... +.31 ... +.02 +.99 ... +.04 +.07 +.03 ... +.08 +.27 +.15 +.18 +.12 -.78 +.24 +.09 -.01 +.13 -.04 +.19 +.03 +.02 ... +.06 +.01 +.21 +.20 ... +.19 -.01 +.03 ... +.01 +.05 +.05 +.03 +.04 +.14 +.02 -.05 +.07 +.11 +.09 +.06 +.04 +.11 +.18 +.18 +.05 +.06 +.06 +.07 +.06 +.08 +.06 +.06 +.08 +.06 +.03 +.10 +.04 +.16 +.45 ... ... +.24 +.16 +.21 +.04 +.03 +.03 +.27 +.10 +.04 -.02 +.07 -1.51 -.74 +.13 +.03 +.24 +.22 +.03 +.23 +.33 +.10 +.04 +.31 ... ... -.09 ... -1.40 +.21 ... +.19 +.24 +.05 ... ... +.39 ... +.06 +.06 +.06 +.05 +.05 +.04 +.06 +.06 +.06 -.90 +.37 +.82 +.15 +.07 +.08 +.03 +.19 +.68 +.17 +.52 +.27 +.04 +.08 +.26 +.08 +.09 +.08 +.01 +.03 ... +.10 +.43 +.06 +.02 -.01 +.04 +.08 ... +.02 ... +.12 ... +.01 -.01 -.01 +.30 +.03 +.02 ... ... ... +.38 +.93 +.25 +.09 +.21 +.49 ... ... +.03 ... ... ... +.07 +.07 -.07

YTD Return Last

Fund +33.8 42.83 Income +14.7 14.85 BlackRock A: AssetAllo p +10.3 16.48 BalCapA px +18.6 24.40 CapAppr p +31.0 26.76 Eng&ResA +12.1 32.44 EuroA r +23.2 15.69 ExcBlrk +25.4 791.74 FlexEqA +22.1 14.42 GlbEmMk r -4.5 18.87 GlOpp p +26.8 14.33 GlbSmA r +32.6 27.06 HltScOp +42.1 40.45 InflProBdA e -8.0 10.67 IntlIdxA r +17.9 12.67 LgCpCA p +31.0 15.93 LgCpGwth +30.3 13.19 LgCVA p +30.2 20.21 LatAA r -15.8 50.71 LgHrzEq r +20.4 14.17 LwDrBd +.9 9.75 MdCpGA +43.4 14.87 NatRsTA p +14.1 66.42 PacA r +18.0 18.44 USGovBd e -2.1 10.42 BlackRock Instl: MdCpVOp r +31.2 22.89 ValueOpp +39.7 29.36 Bridgeway Funds: AggInv1 +40.1 50.98 BlChp35 +29.0 10.51 USCMkt +48.1 16.68 BroadvwOp +41.3 40.10 Brown Advisory Fds: GroEqInv +26.7 18.49 IntIncInv r -2.6 10.55 SCpGrInv +39.3 18.45 ValEqInv r +33.7 17.14 BrwnSmCI +47.1 73.18 BruceFund NA 461.20 Buffalo Funds: Balancd +15.2 14.12 HiYld +9.0 11.75 MicroCp t +58.8 19.61 MidCap +27.1 18.46 Sci&Tech +34.3 19.60 SmCap +42.1 36.79 USA Gbl +33.3 34.30

Fri Chg Fund +.71 +.02 +.05 -2.26 +.20 +.21 +.05 +3.16 +.10 -.08 +.10 +.30 +.30 -.15 +.08 +.07 +.08 +.06 -.58 +.06 ... +.20 +.33 +.09 -.03 +.16 +.43 +.45 +.01 +.32 +.35 +.13 ... +.30 +.08 +1.40 ... +.06 +.04 +.46 +.26 +.29 +.81 +.32

C-D

CGM Funds: Focus +33.8 39.21 Mutl +18.8 33.75 Realty +7.9 31.45 Calamos Funds: ConvA p +18.9 17.68 Gr&IncA p +15.4 32.90 GrwthA p +31.4 46.35 HiYldA p +5.8 9.75 C&OMkOpp +2.6 21.38 Calvert Invest: CpAccA p +26.6 35.74 -.4 16.13 Inco p +19.3 16.93 IntlEqA p ShDurInA t +.8 16.30 +16.2 31.33 SocialA p -2.2 15.61 SocBd p SocEqA p +28.3 47.28 +32.2 16.91 SoclIdxA t Cambiar Funds: AggValInv +47.4 16.20 +29.3 23.14 OppInv Center Coast: MLPFoc A +15.4 10.74 +34.6 16.61 ChamplSC p +28.9 496.36 Chestnt City Nat Rochdale: NA 33.79 Div&Inc N ClearBridge: AggGr A +42.2 178.31 AllCapVal A +27.6 16.13 +27.0 19.18 Apprec A EqInco A +23.5 17.98 +29.1 15.44 Equity O IntAllCOp IS +21.1 11.02 LgCapGr A +35.2 28.35 MidCCore A +35.0 28.78 +42.4 27.87 SmCapGr A Clipper +31.6 90.28 Cohen & Steers: +3.0 62.76 RltyShrs Columbia Class A: -3.5 3.81 AMT TEBd +20.7 13.23 BldAggA p CapAlloCn p +3.9 10.74 CaAlloMod p +12.7 12.49 CaAlloMAg r +16.1 13.40 CapAllo r +7.8 11.87 +8.9 15.55 Thermost +22.7 17.98 CnvSecA DivEqInc +28.4 13.44 +23.7 10.00 DivOpptyA +28.5 13.47 EqVal A FlotRteA p +5.2 9.23 +35.7 20.15 FocEqA t +24.9 9.48 GlobEqty GlblOppA x +11.7 11.32 +5.7 2.98 HiYldBd +5.7 11.68 IncmBldr t IncOppty p +4.5 10.02 -2.3 8.98 IntBd t +11.5 13.24 IntEqA t LgCapGrA t +28.5 32.88 +31.2 8.33 LgCorQ A p +24.1 15.25 LiGoGrA p LtdDurCr p +1.2 9.92 +40.1 18.65 21CntryA t MidCVlOp p +32.6 10.33 MulAdSC A p +33.5 7.41 +.2 6.01 StrtInA -3.5 13.25 TxEA p SelComm A +20.0 48.60 +23.4 25.19 GlobTech SelLCVal A +35.0 20.73 SelSCValA p +45.5 20.91 Columbia Cl I,T&G: EmMktBdI -6.4 11.05 USGvMtgI -.8 5.39 Columbia Class Z: Acorn Z +28.8 36.71 AcornIntZ +19.3 45.52 +11.3 26.38 AcnIntSIZ AcornSelZ +31.2 26.13 AcornUSA +30.5 35.31 -2.8 8.72 Bond CAIntmZ -1.3 10.12 ContCoreZ +33.4 20.25 +26.6 18.04 DivIncoZ EmgMkt r -3.3 10.01 GblEnrgy +11.5 22.14 HYMuniZ -3.6 9.90 IntTEBd -1.8 10.45 LgCapCorZ +28.8 12.73 LgCpIdxZ +29.9 35.08 LCpEnCr +32.8 18.41 MarsGrZ +33.9 24.95 MAIntMB -2.0 10.73 MCpGthZ +29.2 31.18 MdCpIdxZ +30.9 14.77 MdCpVlZ p +32.8 17.56 NYMuni -1.6 11.89 ORIntMuZ -1.8 12.31 ReEsEqZ -.2 12.99 SelLgCapG +42.6 19.02 STIncZ +.6 9.97 STM Z +.7 10.48 SmCpCorZ +33.7 19.97 SCpGthZ +38.6 32.53 SmCpIPZ +39.2 23.23 SmCpVal +32.2 50.08 SCValIIZ +37.8 18.20 StrInvZ +18.0 20.37 USTreas -2.5 10.93 ValRestr +33.6 48.25 VAInvZ -2.1 10.88 Columbia Funds: BalancedA t +19.7 34.18 Commerce Funds: Bond -.3 20.11 MoTFBd -3.0 18.99 NatTFBd -3.4 18.90 ValueI +30.1 30.41 CG Cap Mkt Fds: CrFxInc -1.7 8.23 EmMkt -7.7 12.98 IntlEq +15.2 11.83 IntlFx -1.9 7.56 LgGrw +33.1 20.53 LgVal +29.3 12.14 SmCapVal +28.5 14.62 SmGrw +45.4 28.25 DFDentPrm +32.3 25.80 DFA Funds: CASTMuni NA 10.29 Gl25 75 I NA 12.59 Glb6040Ins NA 15.21 IntmTMuni NA 9.71 IntlCorEq NA 12.38 USCorEq1 NA 16.12 USCorEq2 NA 15.93 WexUSGov NA 10.08 DWS Invest A: EqtyDivdA +25.0 42.21 GblIncBldr +12.0 10.09 HiIncA +6.8 4.96 SmCapVal +33.1 28.21 StrGovSecA -4.1 8.11 TechA +24.6 18.35 UnconIncA -.3 4.85 DWS Invest S: CapGrth r +32.2 73.33 CoreEqtyS +35.2 22.87 CorPlsInc -2.7 10.64 GNMA S -4.1 14.23 GlbSmCGr +30.4 49.26 GlblThem +22.5 28.62 HlthCare r +45.0 35.23 HiYldTx -5.7 11.79 IntTxAMT -2.8 11.52 Intl FdS +17.3 50.38 LgCpFoGr +28.6 41.59 LgCpVlS r +28.9 21.81 LatAmrEq -10.0 29.41 MgdMuni S -3.8 8.82 SP500S +29.7 24.15 ShtDurPlS +1.6 9.19 WorldDiv +20.3 28.13 DavenptCore +29.6 18.88 Davenport Funds: Value&Inc +28.4 14.28 Davis Funds A: Apr&IncA +25.5 33.83 NYVen A +31.9 40.58 OpptyA +39.5 32.60 FinclA +28.8 38.42 RlEstA -2.0 28.41 Del Inv Instl:

+.30 +.18 +.35 +.12 +.26 +.48 +.01 +.06 +.38 +.04 +.07 +.01 +.15 +.04 +.31 +.10 +.18 +.16 +.09 +.22 +1.63 +.17 +2.03 +.07 +.08 +.05 +.10 +.06 +.28 +.32 +.55 +.60 +.43 ... +.08 +.02 +.05 +.07 +.04 +.01 +.10 +.05 +.03 +.06 ... +.15 +.06 +.01 ... +.02 +.01 +.01 +.08 +.31 +.04 +.10 ... +.15 +.13 +.10 +.01 ... +.48 +.28 +.11 +.20 ... +.01 +.43 +.26 +.09 +.28 +.54 +.02 ... +.10 +.08 -.02 +.12 ... ... +.08 +.17 +.08 +.17 ... +.33 +.17 +.15 ... ... +.10 +.29 ... ... +.31 +.61 +.41 +.88 +.29 +.07 +.01 +.24 ... +.14 +.03 ... ... +.11 +.01 ... +.04 ... +.16 +.07 +.21 +.55 +.39 ... ... ... ... ... ... ... ... +.23 +.05 ... +.43 +.02 +.18 ... +.67 +.20 +.01 +.03 +.37 +.21 +.29 ... ... +.35 +.39 +.08 -.37 -.01 +.11 ... +.19 +.05 +.08 +.08 +.21 +.41 +.27 +.26

YTD Return Last

Fri Chg

Value x +31.0 16.00 Intl EqI x +19.6 13.94 USGrw +32.4 24.63 Delaware Invest A: CorpBd p -.6 5.84 Diver Inc p -1.4 8.90 Div Inc px +18.2 12.79 ExtDurBd p -3.4 6.28 HYldOpp p +8.2 4.34 SMIDCapG +38.6 30.53 LtdTmDvrA -1.9 8.55 SelGrA p +29.3 50.19 TxIntA p -2.5 11.78 TxUSA p -5.3 11.22 Diamond Hill Fds: LgCapI +34.6 21.48 LongShI +22.1 22.40 SmCapA r +38.8 32.53 Dimensional Fds: EmMCrEq NA 19.13 EmgMkSoc NA 12.28 GlbRESec NA 8.70 ITExQual NA 10.32 IntSusCore1 NA 9.65 IntlVectEq NA 11.47 SelHdGFxd NA 9.96 STMunBd NA 10.21 SustUSCorI NA 15.12 TAUSCorE2 NA 13.04 US LgCpGr NA 12.89 USSoCorE2 NA 12.24 USVctrEq NA 15.90 USLgVa2 NA 14.71 USLgVa3 NA 23.20 US TgdVal NA 22.02 GlEqInst NA 17.46 IntlREst NA 4.88 IntVa3 NA 16.86 InfProSec NA 11.50 IntVa4 NA 14.73 TMMtV2 NA 22.39 Dodge&Cox: Balanced +26.7 97.02 GblStock +30.5 11.25 Income +.9 13.56 IntlStk +23.5 42.07 Stock +37.7 165.39 Domini Soc Inv: IntlSocEq t +22.8 7.97 SoclEq +30.8 42.82 DoubleLine Funds: LwDurBd N NA 10.18 Dreyfus: AMTMunBd -3.7 13.32 ActMidA +33.0 48.47 Aprec +19.1 51.62 BalOpptyA +19.8 21.57 BsicS&P +30.0 37.41 CoreEqA t +19.1 21.24 Discp +27.5 35.11 Dreyf +30.5 12.63 DryMid r +30.5 37.73 Dr500In t +29.6 49.77 -6.7 9.72 EmgMktI r -2.1 14.98 GNMA GlbAlphaI +12.8 14.44 +.1 21.47 GlFxInc I +13.8 41.42 GrChinaA r GrInc +34.1 20.31 +7.5 6.74 HiYldI -1.2 13.64 IntmTIncA Interm r -1.9 13.45 -.5 22.56 IntTEBd I +18.1 17.07 IntlIndx r IntlStkI +6.6 15.46 +31.7 15.53 LgCpEqI -3.6 11.11 MunBd r MuBdOppZ -3.7 12.16 OppMCVal A +37.5 39.57 +45.1 35.18 OppSCap ST IncD +.8 10.64 +.8 13.05 SI MuBdD +39.0 30.49 SmCStk r SmCapVal I +33.8 29.13 +37.9 17.85 SMidCpGr I +34.6 39.50 StratValA TechGroA +30.2 44.03 +31.4 13.94 ThirdCenZ +16.1 51.95 WWGrA DreihsAcInc +2.9 10.76 Driehaus Funds: +7.1 31.99 EMktGr SelCredit +6.4 10.15

-.01 -.10 +.25 +.01 +.01 +.02 +.05 ... +.47 ... +.60 ... ... +.13 +.07 +.36 ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... +.32 +.05 +.03 +.24 +.66 +.04 +.29 ... ... +.27 +.24 +.09 +.19 +.09 +.19 +.07 +.41 +.24 +.01 +.03 +.06 +.01 -.15 +.13 ... +.02 ... -.01 +.11 +.09 +.08 ... +.01 +.38 +.73 -.01 ... +.54 +.43 +.26 +.19 +.66 +.07 +.20 ... -.05 +.01

E-F

Eagle Funds: +28.5 36.83 CapApprA +26.2 16.79 Gr&IncA MdCpGrA p +35.3 41.19 MdCpStkA p +28.0 28.91 Eaton Vance A: GlbDivInc p +20.2 8.26 -.6 10.51 TxAdBdST p +29.9 769.97 TMG1.0 BalanA +19.5 8.36 -6.3 8.62 AMTFMInc NA 9.62 FltRtHiIn r HlthSA p +42.8 11.10 +8.1 4.64 HiIncOpp r -5.7 7.85 HY MuInc GrIndia t -11.1 19.75 -2.2 9.87 NatLtMInc -7.6 9.04 NatlMunInc ShDurStrat +.2 7.85 +18.4 11.25 GlbTxMDiv +29.5 34.36 TMG1.1 TMG1.2 +29.3 15.46 +28.0 17.48 TMEAA p +29.0 22.45 TxMnVlA TradGvA -1.5 6.94 +23.1 13.18 DivBldrA FAM Funds: Value +31.1 64.07 FMI Funds: ComStk x NE 28.26 LgCap px NE 20.41 +22.8 11.13 ProvTrStr e FPA Funds: Capit +20.7 44.00 +.7 10.27 NewInco Paramnt +25.6 23.15 Peren +29.0 48.98 +20.4 32.53 FPACres FairholmFoc +30.2 11.92 Fairholme +34.6 42.32 Federated A: AssetAlloc +16.5 21.41 ClovValA +30.4 21.39 +8.2 53.61 InterCntlA t KaufSCA p +37.0 32.39 MunHYAdA -5.4 8.17 PrudBear p -26.2 2.68 BondA +1.1 9.36 CapIncA +11.7 8.62 EqInA p +29.3 24.51 MidGrStA +37.9 43.55 HiInBdA +6.6 7.83 IntLdrs p +23.8 33.20 IntSmCoA +24.3 48.30 MnSkAd px +7.8 12.09 MuSecA -4.2 10.00 StrIncA -.1 9.16 US GvtA -1.7 7.45 Federated F: GISI F -2.0 8.85 Federated Instl: KaufmnR +38.6 6.96 Fidelity Adv Foc A: EnergyA px +21.7 40.70 HlthCrA re +53.0 32.08 TechA +28.7 33.40 Fidelity Advisor A: Biotech A +61.5 18.62 DivIntlA r +22.8 19.45 EAsiaA t +2.2 29.24 FAFr2045A +18.9 11.43 FF2030A p +15.4 14.24 FF2040A p +18.3 14.59 GroIncA +30.6 25.70 HiInAdvA +9.4 10.69 IndusA x +37.0 37.03 LevCoStA p +33.8 52.43 MuIncA -3.1 12.79 SmlCpA p +35.6 27.43 StrInA e +.1 12.12 Fidelity Advisor I: AdvReEstI +1.6 19.32 EmgMktII e -6.6 13.37 HiIncI +5.7 8.39 InfProBdI e -8.5 11.94 LgCapI +36.9 27.45 LtdTmGov e -.2 10.00 MdCpII I +33.3 20.77 NwInsgtI +31.1 26.43 ShtFixI +.6 9.34 Fidelity Advisor T: BalancT +18.6 18.75 DivGrT p +28.8 17.18 EqGrT p +33.4 81.61 EqInT +25.1 31.96 GrOppT +34.2 55.81 LtdTmBdT -.3 11.46 OvrseaT +26.7 22.51 StkSelMC +28.5 29.07 Fidelity Freedom: FF2000 +4.3 12.75 FF2000K +4.3 12.19 FF2005 +7.4 12.01 FF2005A +7.0 12.29 FF2005K +7.5 13.36 FF2010 +10.2 15.52 FF2010A +9.6 13.05 FF2010K +10.3 13.92 FF2015 +10.8 12.98 FF2015A +10.3 13.00 FF2015K +10.9 14.10 FF2020 +12.0 15.92 FF2020A +11.5 13.66 FF2020K +12.1 14.71 FF2025 +14.9 13.56 FF2025A +14.3 13.40 FF2025K +15.1 15.30 FF2030 +16.2 16.49 FF2030K +16.3 15.60 FF2035 +18.6 13.70 FF2035A +17.9 13.62 FF2035K +18.8 16.10 FF2040 +19.0 9.65 FF2040K +19.2 16.19 FF2045 +19.6 11.19 FF2045K +19.7 16.51 FF2050 +19.8 11.25 FF2050K +20.0 16.58 FF2050A +19.2 11.37 Free2055 +20.6 11.76 Free2055K +20.7 11.87 FreeIncA p +3.9 11.25 FreeIncK +4.3 11.98

+.26 +.10 +.43 +.26 +.03 ... +3.26 +.03 -.01 ... +.12 ... ... +.31 ... ... +.01 +.03 +.15 +.07 +.14 +.13 ... +.03 +.37 -2.49 -1.29 -.09 +.24 ... +.17 +.18 +.10 ... +.38 +.10 +.13 +.27 +.52 ... -.02 +.02 +.01 +.13 +.41 ... +.24 +.17 -.02 ... +.01 +.01 +.02 +.09 -1.36 -1.27 +.53 +.37 +.10 +.01 +.07 +.08 +.09 +.13 +.02 -.04 +.44 -.01 +.39 -.15 +.15 -.01 ... -.19 +.19 -.04 +.23 +.24 -.01 +.10 +.12 +.56 +.14 +.69 -.01 +.11 +.29 +.04 +.03 +.04 +.04 +.04 +.06 +.05 +.05 +.05 +.05 +.06 +.07 +.06 +.06 +.07 +.07 +.08 +.09 +.08 +.08 +.08 +.09 +.06 +.09 +.06 +.09 +.07 +.09 +.07 +.07 +.07 +.02 +.03

YTD Return Last

Fri Chg Fund

Income +4.2 11.93 +.03 Fidelity Invest: AdvSmCap NS 10.32 +.15 AdvGrOpp NS 10.37 +.11 AggIntl +19.0 16.38 +.07 AllSectEq x +31.3 14.01 -1.23 AMgr50 +12.9 17.38 +.08 AstMgr30R +7.4 10.42 +.04 AstMgr40 +10.2 10.58 +.04 AstMgr60 +15.5 11.02 +.06 AMgr70 r +18.4 20.22 +.13 AMg85 +23.0 16.81 +.12 AMgr20 r +4.8 13.28 +.04 Balanc +19.1 22.48 +.11 BlueChGr +37.7 62.42 +.53 BlueChVal +33.2 14.35 +.07 CALtTTxF r +.3 10.60 ... Canada +8.2 57.32 +.10 CapAp +33.7 35.57 +.33 CapDevO +29.1 15.12 +.09 CpInc r +9.0 9.81 +.02 ChinaRg r +18.2 32.66 -.21 Contra +32.3 94.81 +.62 CnvSc +22.8 31.01 +.26 CorpBd -1.3 10.99 +.03 DisEq +34.1 31.73 +.15 DivIntl +22.0 35.97 +.19 DivStkO +31.4 22.51 +.15 DivGth +29.5 34.82 +.24 EmergAs r +1.7 30.01 +.01 EmrMk +2.0 23.66 -.05 EmMkDebt -4.2 10.07 +.01 Eq Inc +25.5 57.70 +.26 EQII +26.7 24.18 +.11 ECapAp +22.3 22.89 +.16 Europe +22.8 37.81 +.26 Export +23.6 23.86 +.14 Fidel +27.1 42.01 +.32 Fifty r +36.2 27.50 +.25 FltRtHiInc +6.4 10.39 +.01 FltRateHi r +3.8 9.96 ... FocHiInc r +4.3 9.00 ... FocsdStk r +36.3 19.48 +.18 FrInOne +22.5 35.77 +.21 GNMA -1.8 11.26 +.03 GloBal +14.2 24.46 +.14 GlbCmdty r -6.0 13.72 ... GblHiInco +5.2 10.02 ... GblStratC +7.5 9.92 +.03 GovtInc -2.2 10.21 +.02 GroCo +35.6 118.15 +1.37 GroInc +31.0 27.36 +.14 GrDiscv +34.5 20.93 +.15 GrStrat r +35.3 27.97 +.22 HighInc r +6.4 9.36 ... Indepn +37.7 35.57 +.32 InProBd e -8.5 11.97 -.20 IntBd -.4 10.86 ... IntGov e -1.0 10.57 ... IntmMu e -1.4 10.19 -.02 IntlGrRet +19.0 10.95 +.06 IntRlEst r +10.1 9.95 +.05 IntlDisc +21.5 39.40 +.23 IntlEq r +13.2 7.99 +.04 IntlSCp r +31.2 26.02 +.08 IntlSCOp r +21.7 13.61 +.09 IntlVal r +19.2 8.81 +.05 InvGrBd e -1.6 11.16 +.02 InvGB -1.4 7.71 +.01 Japan r +21.4 11.82 +.04 JpnSm +47.4 13.05 +.08 +31.8 11.04 +.05 LCpCrEIdx +32.6 13.76 +.10 LCpGrEIdx LargCap +36.5 26.69 +.19 +31.3 9.99 +.04 LgCpVlEnh -19.3 30.51 -.17 LatAm LevCoStk +32.5 42.40 +.36 +32.1 48.64 +.31 LowP r +.1 10.67 -.01 LtdTMuni e Magelln +33.3 90.98 +.55 MegaCpStk +30.8 15.14 +.07 MdCEnIdx r +37.6 13.06 +.10 MidCap +36.5 38.82 +.46 +36.3 22.17 +.17 MCpVl r -1.4 11.00 +.03 MtgSec MuniInc e -3.1 12.68 -.03 +37.3 54.15 +.62 NASDAQ r -6.4 15.61 -.21 NwMkt re NwMill +34.7 38.75 +.36 +44.3 43.33 +.58 Nordic +44.1 76.12 +1.19 OTC 100Index +28.0 11.83 +.04 +23.4 39.19 +.30 Ovrsea +24.7 27.09 +.04 PcBas Puritn +19.0 21.00 +.10 +1.7 11.76 +.09 RE Eqty +4.9 10.83 +.03 RE Inco RealEInc r +3.9 11.06 +.05 +1.5 31.92 +.24 RealE ... NS 10.21 Srs1KValR x SrBlChGrF NS 10.49 +.09 -8.8 8.03 +.07 SCmdtyStrt +.8 17.12 +.02 SrEmrgMkt SrsGlobal +11.5 11.95 +.05 NS 10.43 +.12 SrsGrCl F +18.9 13.99 +.08 SrsIntGrw SrsIntSmCp +21.4 15.12 +.09 +19.2 10.92 +.06 SrsIntVal NS 10.25 +.14 SrsSCDsc F STBF +.5 8.58 -.01 +36.3 30.82 +.40 SmCapDisc +36.8 12.53 +.24 SCEnhIdx SCpGrth r +42.7 19.02 +.36 +32.9 13.19 +.19 SmCapOp +27.1 20.51 +.26 SmallCap r SCpValu r +35.1 19.75 +.23 StkSelLCV r +29.8 14.97 +.09 StkSlcACap +31.7 34.97 +.30 StkSelSmCp +34.1 25.68 +.37 +16.4 13.87 +.05 StrDvIn +.4 10.87 +.01 StratInc StrReRt r -1.7 9.20 +.04 ... -2.9 10.98 TaxFrB r -.6 10.48 +.02 TotalBd Trend x +32.8 85.27-11.14 -1.9 11.42 +.03 USBI +.4 8.25 ... UlShBd re Utility +18.7 21.68 +.16 +33.0 21.38 +.13 ValueDisc +28.2 40.24 +.19 ValStra t Value +34.5 101.62 +.89 +29.0 24.14 +.19 Wrldw Fidelity Selects: Air x +49.9 59.02 -.07 Automotiv rx +43.7 55.21 -.57 Banking x +37.6 25.83 -.58 Biotch +63.2 179.05 +3.79 +46.5 73.08 +.49 Brokr x Chem x +26.3 141.82 -5.20 ComEquip +24.0 28.54 +.26 +28.4 72.58 +.50 Comp x ConDis x +38.2 32.46 -2.42 ConsuFn x +30.5 16.10 -1.53 +19.6 88.70 -4.40 ConStap x CstHo x +17.5 52.85 -3.76 DfAer x +45.6 120.30 -3.62 +35.0 61.32 +.36 Electr Enrgy x +22.0 55.13 -6.46 EngSv +25.2 83.37 +.80 FinSv x +31.7 80.58 -.12 Gold r -53.2 17.32 +.03 Health e +53.6 185.24-14.01 IT Svc e +49.8 36.62 -.44 InEqp x +30.1 44.92 -2.68 Industial x +37.5 33.09 -.88 Insur x +41.7 67.58 -3.27 Leisr x +39.8 131.37 -4.49 Material x +18.7 82.69 -1.64 MedDl e +33.1 71.77 -2.41 MdEqSys e +38.9 35.14 -2.74 Multmd x +41.1 78.42 -2.27 NtGas x +22.1 37.34 -.06 NatRes rx +15.4 36.26 -.72 Pharm x +38.6 18.84 -1.62 Retail x +42.2 86.41 -1.35 Softwr e +48.6 116.72 -3.75 Tech +29.4 120.87 +1.96 Telcm x +18.5 58.98 -.73 Trans x +46.5 72.91 -1.42 UtilGr +19.5 65.97 +.79 Wireless +24.7 10.24 +.09 Fidelity Spartan: IntTrAdv re -4.0 10.64 -.01 MidC Advg +32.4 15.56 +.12 SpLTTrAd r -10.8 11.23 +.14 Fidelity Spart Adv: EmMktIdx -6.3 9.40 -.02 ExMktAd r +35.8 52.48 +.71 500IdxAdv +30.1 64.39 +.31 GblxUSIdx +11.4 12.07 +.05 IntAd r +18.6 39.60 +.24 SpSTTBAdv re -.2 10.44 -.03 TotMktAd r +31.1 53.20 +.35 First Eagle: GlblA +13.6 52.72 +.24 SGenGld p -48.6 14.08 +.06 US ValA t +14.9 19.65 +.13 First Investors A EqtyInco p +27.4 9.64 +.04 GloblA p +23.3 8.56 +.05 GovtA p -2.2 10.86 +.01 GroInA p +34.4 22.26 +.10 IncoA p +6.0 2.64 ... IntlA p +2.8 12.41 +.04 InvGrA p -1.0 9.82 +.02 OppA p +41.5 41.93 +.33 SelGrA p +31.3 10.29 +.07 SpSitA p +28.0 30.30 +.35 TxExInco p -3.2 9.57 ... TxExOpp p -5.0 15.83 ... TotRtA p +18.8 19.46 +.06 Forum Funds: MrHrdCur -3.5 11.60 +.03 PolGlbVl p +34.0 20.41 +.15 Forward Funds: SelectIncA p +3.8 23.87 +.15 Frank/Temp Frnk A: AdjUS p -.1 8.71 +.01 T BRIC A t -6.9 10.67 -.03 BalInv p +34.0 50.39 +.44 BioDisA p +66.8 129.58 +2.76 CA IntA p -1.7 11.61 ... China A px -3.6 35.14 -2.38 TgtConA p +9.5 15.03 +.05 CvtScA p +21.4 17.94 +.10 CoreAll p +28.8 17.45 +.12 DynTchA +37.5 43.86 +.51 EqIncA p +27.1 22.43 +.08 FedL T TF +.3 10.45 ... FedInt p -2.5 11.94 ... FedTFA p -4.5 11.74 ... FlxCpGrA +35.1 54.53 +.52 FoundAl p +21.5 13.37 +.06 GoldPrM A -50.9 15.09 -.01 GrwthA p +27.5 64.21 +.46 GrOppA p +37.7 29.04 +.31 HYTFA p -6.8 9.78 ... HiIncA +7.1 2.10 ... IncomA p +12.8 2.39 ... InsTFA p -3.8 11.72 -.01 NYITF p -2.6 11.32 ... IntSCoGr r +33.2 22.03 +.02 LowDuTRA +1.1 10.15 -.01 LMGvScA -.3 10.01 ... MicValA p +35.1 40.33 +.70 NatResA p +6.7 35.25 +.19

YTD Return Last

ReEScA p +1.9 RealRtnA t -.2 RisDvA p +27.7 SmCpGrA p +51.8 SmCpVl p +32.7 SMCpGrA +36.2 StratInc p +3.0 TtlRtnA p -.8 USGovA p -1.5 UtilsA p +12.9 Frank/Tmp Frnk Adv: FlRDAAd t +4.7 GlbBdAdv +1.6 TGlbTRAdv +3.0 TIntBdAdv -.6 Frank/Temp Mtl A&B: FinSvcA px +23.3 Frank/Temp Temp A: DvMktA p -3.4 EM SC A p +3.1 ForgnA px +23.8 GlbOpA p +23.0 GlSCoA px +29.1 GrwthA p +27.3 WorldA px +27.2 Franklin Templ: BalancedA t +11.6 FTHrdC p -3.9 TarGrA p +19.2 TgtMdA p +13.1 FundX Upgrader Fds: Upgrader NA

Fri Chg Fund

17.01 10.71 47.86 18.23 58.63 40.29 10.57 9.95 6.48 14.84

+.12 ... +.26 +.28 +.60 +.42 ... +.01 ... +.13

9.21 12.99 13.39 11.59

+.01 -.02 -.02 -.02

16.68 +.02 22.76 11.71 8.09 22.90 8.81 24.43 19.01

-.08 -.02 -.37 +.08 +.05 +.09 -.91

11.27 +.04 9.26 ... 18.58 +.11 16.11 +.07 44.84

...

21.10 11.27 21.69 11.39 11.36 58.47 59.00

+.08 ... +.09 +.02 ... +.37 +.32

64.01 28.17 45.84 47.54 5.68 19.29

+.46 +.12 +.28 +.51 +.04 +.11

G-H

GE Elfun S&S: Diversfd NA Income NA IntlEq NA S&S Inc NA TaxEx NA Trusts NA US Eqty NA Gabelli Funds: Asset +29.7 EqInc p +27.3 GwthAAA +31.7 SCapG +33.6 Util A p +18.7 Value t +29.9 Glenmede Funds: CrFxdIn p -2.4 MunInt p -.9 SCpEqAd +45.5 StratE p +27.7 Goldman Sachs A: CapGrA +29.6 GrIStrA NA GrIncA +30.2 GrStrA NA IncoBldrA +15.1 TechTollkp +26.4 USEqty A +33.9 GoodHaven +17.9 Grnspg +17.1 GuideMark Funds: CoreFxd Sv -2.8 WldexUS Sv +11.9 GuideStone Funds: AggAllGS4 NA BalAll GS4 NA ConsAllGS4 NA EqInxGS4 e +31.2 -4.6 ExtDrGS4 x GrAll GS4 NA +32.8 GrEqGS4 e +15.1 IntEqGS4 LwDrGS4 x -.2 -1.8 MdDrGS4 x SmCapGS4 e +35.9 ValEqGS4 e +32.6 Hancock Horizon: BurkenrdA p +37.6 StInBdTr -1.2 Harbor Funds: -1.3 Bond CmdtRRtn I -13.8 +11.3 ConvSec I +5.3 HYBdInst r RealRtn I -8.9 Harding Loevner: NE EmgMkt r Hartford Fds A: +18.8 Balancd p +8.2 BalAllA p BalIncA p +11.1 +38.5 CpAppA p +35.0 CpAppIIA p Chks&Bal p +20.8 +28.7 DivGthA p +27.0 EqInc t FltRHiInc px +6.6 GblAllAst p +10.0 +32.8 GlbGrA p GroAllA p +17.9 +32.4 GrowthA p +47.6 Hlthcare p HighYldA px +5.6 -8.9 InflPlus px +30.9 MdValueA MidCpA p +37.0 +1.1 ShtDur px +41.0 SmlCoA p SmCpGr t +42.2 Hartford Fds I: -.3 WorldBond Hartford Fds Y: +5.2 FltRateI x +32.8 GrowOppI Heartland Fds: +32.1 SelValInv p +29.9 ValueInv ValPlusInv p +31.8 Henderson Glbl Fds: +23.5 IntOppA p Hennessy Funds: CornrMCpO +27.1 +33.2 CorGrow O Eq&Inc Inv +13.9 +33.5 Focus Inv GasUtlInv r +24.1 SmCFn Inv +34.8 Highland Capital: CorVEqA p NA FxdIncoA NA +55.0 HodgesFd Homestead Funds: ST Bond +1.6 +33.5 SmCoStk Value +33.1 Huntington Fds: NA FxdInc I IntlEqTr +17.2 Hussman Funds: -8.0 StrTotRet r StrGrowth -6.8

11.01 +.01 10.80 ... 25.77 +.37 21.48 +.11 25.52 12.14 29.11 12.78 22.47 17.22 35.50 27.72 26.23

+.20 ... +.21 ... +.07 +.19 +.15 +.05 +.22

9.57 +.02 8.81 +.04 15.47 13.84 12.64 20.47 16.50 15.15 22.72 15.04 13.35 14.17 17.95 20.70

... ... ... -.13 -.53 ... -3.53 +.09 -.03 -.02 -3.37 -.43

57.03 +1.12 16.31 +.01 11.97 6.00 10.83 10.79 9.76

-.01 +.04 +.02 +.01 +.02

47.71 -1.78 19.07 12.90 13.06 45.72 19.20 11.17 24.56 17.83 10.70 12.40 21.24 14.49 21.98 29.89 7.64 10.67 15.40 24.75 9.94 23.32 47.20

+.09 +.04 +.04 +.24 +.14 +.04 +.10 +.06 ... +.05 +.16 +.06 +.17 +.23 ... +.01 +.17 +.26 ... +.48 +.90

10.65 +.01 9.04 +.01 39.87 +.32 38.54 +.41 52.80 +.71 39.12 +.88 26.46 +.13 16.73 16.66 15.43 65.10 26.34 25.21

+.11 +.17 -.01 +.14 +.39 +.29

9.99 ... 12.59 ... 35.13 +.28 5.22 ... 36.17 +.38 44.95 +.13 21.52 +.05 12.94 +.06 11.04 +.03 9.98 ...

I-J

ICON Fds: Energy S +24.7 ING Funds Cl A: CrEqRshA t +28.5 CorpLdrA +26.8 GNMA A -1.6 IntValEqA +17.6 IntmBdA p -.4 RussiaA p +2.8 Integrity Viking: WBMNoA p +29.5 Intrepid Cap: Capital t +13.4 SmallCap t +11.0 Invesco Funds: Tech +21.9 Invesco Funds A: AmValA +32.0 AsianPac p +2.3 Chart p +26.3 CmstkA +33.0 CorpBdA +.3 DevMkt p -5.1 DivrsDiv p +27.2 Endeav p +25.7 Energy p +19.9 EqWtdA p +33.1 EqIncA +23.7 EuroSmCo p +29.1 FltgRate p +5.6 GlCoreEq p +19.5 GlblGr p +22.8 GlbHltCr +40.4 GlSmMCG p +21.5 GrowAllo p +13.8 GrIncA p +32.0 HiYld p +6.8 HYMuA -5.9 IntlGrow +15.7 IntlSmall p +6.9 IntTMIA p -1.9 MdCpCEq p +27.0 MidCGth p +34.5 ModAlloc p +9.5 MuniInA -3.5 RealEst p +1.7 S&P500A p +29.5 SmCpDis p +35.1 SmCpEq p +34.2 SmCpGr p +37.5 SmCpValA t +41.3 SmallC p +23.4 TF IntA p -.8 USGovFd -2.6 US MortgA -1.5 Utilities p +19.9 Invesco Funds C: ShtTerm t +.8 Invesco Funds P: SummitP p +35.5 Invesco Funds Y: BalRiskY +1.9 DispEq +28.9 Ironclad Funds: MngdRisk +9.8 Ivy Funds: AssetStrI r +22.2 BalancA p +21.6 BondA p -.6 CoreEqA t +30.4 CndGlVlA p +31.1 DivOppA p +26.8 ErOpA p +20.8 GblBdA t +1.5 GlNatRsA p +5.8 HiIncA p +9.9 IntlBalA t +9.3 IntCorEqA p +21.8 IntlGrthA +15.9 LgCpGA p +33.4 LtdTmA p -.7 ManIntOpA t +12.6 MicroCGA t +50.9 MidCapGr I +28.4 MunHiIncI r -6.0 PcOppA p +5.7 RealEstA p +.5 SciTchA p +50.1 SCapGrA p +38.8

22.87 +.10 17.03 31.28 8.58 31.18 9.80 33.80

+.05 +.06 +.01 +.17 +.02 -.09

7.03 +.06 12.66 +.06 16.40 +.06 37.18 +.48 38.96 29.95 21.51 23.38 7.04 31.74 16.71 20.78 44.49 43.31 10.55 14.62 7.98 15.01 29.15 39.15 20.08 13.42 26.64 4.49 9.03 33.00 20.84 10.73 24.78 36.76 12.18 12.90 21.67 19.49 11.68 16.69 38.99 21.21 23.05 11.44 8.86 12.37 18.45

+.33 +.02 +.12 +.12 +.02 -.33 +.08 +.12 +.21 +.28 +.04 +.06 ... +.07 +.18 +.35 +.08 +.07 +.14 +.01 -.01 +.16 +.09 ... +.18 +.30 +.05 ... +.15 +.10 +.18 +.22 +.51 +.25 +.22 ... +.01 +.02 +.09

8.69

...

17.18 +.17 11.85 +.08 13.90 +.09 11.04 +.04 31.67 23.86 10.34 13.71 17.80 19.47 28.90 9.98 17.96 8.64 15.11 18.40 39.76 17.37 10.91 9.94 25.58 23.97 4.88 15.05 22.26 51.55 18.09

+.04 +.10 +.02 +.07 +.07 +.09 +.18 ... +.15 ... +.06 +.09 +.13 +.10 -.01 +.01 +.61 +.21 ... -.07 +.18 +.76 +.28

YTD Return Last

SCpValA p +29.7 StrNwOpA p +3.9 ValueA p +31.6 JPMorgan A Class: GroInc x NA Inv Bal p NA InvCon p NA InG&IA p NA InvGrwth p NA NYTFBd p NA SCapVlA px NA JPMorgan R Cl: IntlRltyR5 x NA RltyIncm x NA James Adv Fds: BalGRbow +11.9 Janus S Shrs: Forty +29.7 Janus T Shrs: BalancdT +18.3 HiYldT r +6.9 OvrseasT r +9.7 PrkMCVal T +23.9 ShTmBdT +1.3 JapanFd +25.1 Jensen Funds: QualGrthJ x NE John Hancock A: BalanA p +18.1 BondA p +.7 FnIndA p +35.2 GvIncA p -1.9 HiYldA p +10.3 IncomeA p +1.7 InvGrBd -.7 LgCpEqA +29.9 RgBkA +37.6 SmCpEqA +39.1 SvInvA p +22.4 TFBd A -5.0 USGlbLdr +23.7 John Hancock Cl 1: LSAggr +24.0 LSBalanc +14.9 LSConsrv +4.8 LSGrwth +20.6 LSModer +9.8

K-L

#KalmarSC +41.1 Keeley Funds: SmCpValA p +32.9 Kinetics Funds: Internet +41.2 Pdm +42.0 SmCap +57.3 LKCM Funds: EqInst +28.9 FxdInc +.2 SCpEqIn +33.5 Laudus Funds: IntFxInInst r -7.4 USLgCpG r +34.9 Legg Mason A: Allo50pcA +13.7 Alloc70pc +19.6 Alloc85pc +23.8 BFMSP500 p +29.5 CBATacDiv +24.9 WACpBdA +.4 WAHiYldA +6.1 -3.5 WAIntTMu -4.5 WAMgMu p WAMtgBkA +1.4 -6.4 WAMuHiA +.8 WAStrInc Legg Mason C: +64.2 CMOppor t +33.1 CMSpInv p CMValTr p +35.0 Leuthold Funds: +18.3 CoreInvst LifetmAchv NA Longleaf Partners: +30.3 Partners Intl +25.1 +28.7 SmCap Loomis Sayles: LtdGovA -.7 +10.1 StrIncA Lord Abbett A: DivEqStr x +41.0 +5.7 FloatRt p -2.7 IntrTxFr e IntDivInc p +11.9 NA MltAstGro x NA MltAstInco x ShDurTxFr e +33.7 ValOpps p +29.8 AffilA p FundlEq +34.1 +39.8 AlphStrA x NA MAstBalOp x BdDebA p +7.5 +.5 IncomeA +35.1 GrOppA p HYMnBd p -7.0 +1.7 ShDurIncA p +19.0 IntlCrEq t MidCpA p +28.0 -6.2 TaxFrA p CapStruct p +26.0 TotRet p -1.1

Fri Chg Fund

17.37 +.19 11.07 +.06 22.81 +.15 41.10 14.65 12.59 16.33 18.47 7.18 26.73

+.09 +.05 +.03 +.08 +.11 ... +.35

9.80 -.23 11.13 -.01 23.86 +.12 39.86 +.32 29.65 9.40 36.06 23.00 3.08 12.27

+.07 +.01 +.37 +.16 ... +.06

37.08 -1.17 18.12 15.81 16.38 9.54 3.88 6.57 10.35 36.35 18.29 35.21 17.45 9.57 42.08

+.08 +.03 +.13 +.01 +.01 ... +.01 +.17 +.20 +.85 +.06 +.01 +.18

15.99 15.42 13.81 16.24 14.41

+.11 +.06 +.02 +.09 +.04

22.86 +.45 38.02 +.52 60.98 +.45 34.06 +.18 39.58 +.39 22.72 +.15 11.04 ... 30.29 +.41 10.66 +.01 18.20 +.14 14.49 16.54 17.50 18.29 18.69 11.91 7.28 6.37 15.83 10.70 13.60 6.88

+.08 +.10 +.13 +.09 +.16 +.03 +.01 -.01 ... -.04 -.01 +.01

16.35 +.16 38.28 +.59 57.57 +.50 18.37 +.09 25.78 ... 33.37 +.09 17.56 +.11 32.03 +.25 11.66 ... 16.25 +.04 20.51 9.50 10.36 8.87 18.20 15.47 15.71 20.24 15.41 15.03 31.52 12.22 8.14 2.83 22.02 10.79 4.56 13.73 22.88 10.50 15.23 10.34

-1.92 ... -.07 +.05 -.78 -.50 -.01 +.20 +.08 +.12 -1.94 -.19 +.01 +.01 +.23 ... ... +.04 +.17 ... +.08 +.02

M-N

MFS Funds A: +14.3 16.23 IntlDvA +29.5 27.21 MITA MIGA +27.6 22.38 +23.9 19.16 AgGrAlA p -.3 13.75 BondA ConAllA +8.1 14.52 +31.9 26.49 CoEqA +34.1 64.36 EmGA GlTotA t +14.7 16.23 +18.6 17.93 GrAllA +5.3 6.57 HiOpA IntNwDA +16.7 27.68 +.5 6.06 LtdMA +13.4 16.33 ModAllA MuHiA t -6.1 7.44 -5.1 8.25 MuInA MuLtA -.9 8.04 NewDA +37.4 26.27 +29.8 36.02 RschA StInA +1.3 6.70 TechA +32.8 22.46 +17.7 17.43 TotRA UtilA +18.5 20.66 GlGrA +18.1 33.04 MFS Funds I: ValueI +33.3 32.73 Madison Funds: +26.7 23.41 Invest Y MainStay Funds A: ConvtA +23.4 16.93 +5.9 6.04 HiYldBA IncmBldr +16.8 19.25 TxFrBdA -4.2 9.28 Mairs & Power: Balance +18.0 82.24 Growth +33.3 111.27 Managed Acct Srs: GblSmCap +34.2 15.53 MdCpValOp +32.9 15.02 Managers Funds: BlueFd +31.2 32.20 Brandywn +33.6 31.36 MicroCapSv +53.7 53.90 PimcoBond -1.7 10.55 RealEst +2.0 10.25 SkylneSpEq +49.9 39.31 Yacktman p +25.8 24.06 YacktFoc +25.1 25.68 ShDurGv +.2 9.64 SpclEq +43.2 86.11 Bond +1.2 27.46 Manning&Napier Fds: CoreBd -.6 10.76 CorPlusBd +.1 10.66 DivrTxEx -1.3 10.91 Intl +16.8 9.67 LifeSci +24.1 12.66 PrBConS +6.8 13.51 ProBExtS +14.8 17.23 ProBMax +23.1 19.49 ProBMdS +11.1 13.90 SmCapA +28.2 11.98 WldOppA +15.6 8.81 Marsico Funds: FlexCap te +32.5 17.72 Focus pe +36.1 20.13 Grow px +33.0 21.77 21stCnt p +40.0 19.59 MassMutual Prem: CapApprS +27.9 14.38 CoreBdZ -.9 10.94 DiscGrS +33.3 11.76 DiscValS +31.2 14.46 GlobS +24.0 14.42 IntlEqS +22.2 14.87 ShtDurBdZ +1.3 10.37 MassMutual Select: BRGlbAllS +13.0 12.12 BlChpGrS +39.6 16.73 DsRt2020S NA 11.95 DsRet2030 NA 12.46 DivrsIntlS +18.7 7.52 DivValS +31.8 13.30 EAFE IntlZ +18.7 13.14 FocValS +36.1 23.01 FundValS +29.1 13.38 GroOppS +36.6 11.25 IndxEqZ +29.9 16.74 LgCpVlS +29.2 9.33 MCGEIIS +34.1 18.08 OverseasZ +19.5 8.82 RetModA NA 11.33 RetModGrA NA 12.03 SmCGES +45.5 18.66 SmCoVlS +30.2 16.16 Matthews Asian: AsiaDvInv r +9.5 15.35 AsiaGrInv +17.2 20.79 AsianGIInv +3.0 18.58 China Inv +4.4 22.32 IndiaInv r -8.0 15.92 Japan Inv +31.2 15.86 McKeeInt +14.3 13.33 Meeder Funds: Muirfld fp +28.6 6.86 Mellon Funds: NYTEBdM -2.3 11.03 MergerFd +3.2 16.33 Meridian Funds: Growth +26.2 36.56 Value +32.7 43.28 Metro West Fds: HYdBdM p +6.7 10.27 LowDurBd +1.9 8.79 Morgan Stanley A: CapOpp p +47.2 32.37 FocGroA +47.0 50.76 Morgan Stanley B: EuroB +23.3 19.05 USGvtB -1.9 8.65

+.05 +.13 +.11 +.11 +.02 +.04 +.17 +.44 +.03 +.09 ... +.13 ... +.06 ... ... ... +.31 +.16 ... +.21 +.04 +.08 +.12 +.11 +.10 +.12 +.01 +.07 ... +.42 +.85 +.17 +.10 +.31 +.55 +1.10 ... +.07 +.48 +.07 +.08 ... +1.62 +.07 ... ... -.01 +.02 +.04 +.03 +.07 +.11 +.05 +.10 +.05 -1.84 -3.27 -5.15 +.15 +.11 +.03 +.09 +.05 +.11 +.08 +.01 +.04 +.14 ... ... +.04 +.05 +.08 +.09 +.06 +.11 +.08 +.04 +.17 +.05 ... ... +.38 +.25 +.03 +.04 +.06 -.05 +.19 +.06 +.03 +.05 -.01 +.02 +.41 +.47 +.01 -.01 +.37 +.42 +.11 +.02

YTD Return Last

MorganStanley Inst: BalP +14.1 Motley Fool Fds: GreatAmer +35.0 Independ r +21.8 Muhlenk +32.2 Munder Funds: Idx500A p +29.4 Munder Funds A: GwthOppA +29.7 Mutual Series: BeacnZ x +27.0 EuropZ x +24.3 GblDiscA x +23.1 QuestZ x +24.1 SharesZ x +26.0 Natixis Funds: TargetEqA +26.9 US MCEq pe +33.6 Neuberger&Berm Fds: Focus +33.2 Guard +36.0 LgCapV Inv +29.0 MdCpGrIn +29.8 SocResp +35.7 NewAlt +27.9 New Covenant Fds: BalGro +13.8 Growth +25.3 Income -2.9 Nicholas Group: EqInc I +30.7 Nicholas +37.6 Northeast Investors: Trust +12.8 Northern Funds: BondIdx -2.0 CAIntTE -2.2 EmMEqIdx -4.9 FixIn -1.2 GlREIdx r +.5 HiYFxInc +7.5 HiYMuni -4.5 IncEq +22.9 IntTxEx -2.2 IntlEq NA IntlEqIdx r +18.5 LCGr +30.0 MdCpIdx +30.9 MMEmMkt r -1.6 MMGlbRE r +.6 MMIntEq r +12.8 MMMidCap +33.2 MMSmCap NA ShortBd +.5 ShIntTaxFr +.1 SIntUSG -2.0 SmCpCore +36.9 SmCpIdx +36.5 SmCapVl +34.7 StkIdx +30.0 TxExpt -3.7 Nuveen Cl A: StrBalAllA NA LrgCpV p +33.1 TWVlOpp +24.3 AAMuB p -4.8

Fri Chg Fund

16.07 +.07 17.58 +.13 19.13 +.07 69.01 +.62 22.42 +.11 36.66 +.34 16.63 24.30 32.66 17.91 27.88

-.10 -1.77 -1.80 -2.08 -.18

11.27 +.11 32.54 -1.96 27.11 18.98 30.70 13.91 34.24 46.56

+.25 +.05 +.14 +.12 +.12 +.43

97.86 +.37 40.84 +.24 22.74 +.01 20.16 +.14 65.53 +.43 6.51

...

10.46 10.35 11.06 10.13 8.96 7.49 8.27 15.35 10.25 9.74 12.01 31.75 16.59 18.66 16.13 10.66 13.51 11.31 19.10 10.46 9.78 20.67 12.06 20.52 22.48 10.14

+.02 ... -.01 +.02 +.06 +.01 ... +.06 ... +.04 +.08 +.31 +.19 -.03 +.09 +.04 +.12 +.21 ... -.01 -.01 +.36 +.23 +.32 +.11 ...

11.42 +.05 25.32 +.10 36.01 +.19 10.71 ...

O-P

Oak Assoc Fds: WhitOkSG +28.2 Oakmark Funds I: +22.7 EqtyInc r GlobalI +31.1 +30.6 GlbSel r +26.5 Intl I r IntSmCp r +24.6 +34.6 Oakmark +33.8 Select Oberweis Funds: +51.3 ChinaOpp Old Westbury Fds: FixedInc p -.8 NA GlobOpp GlbSMdCap +21.8 LgCapCore +21.2 +22.8 LgCapStrat -1.3 MuniBd p RealRet -10.7 Olstein Funds: +34.1 AllCpValC Oppenheimer A: +19.6 ActiveAllA +27.3 CapApA p CapIncA p +8.4 -8.5 ComStrt p +5.1 ConInvA DscMdGrA +33.0 +44.2 Disc p +27.8 EquityA EqIncA p +29.5 +25.2 EqInvA +23.9 GlobA p GblAllocA +16.1 +37.1 GlbOppA -.5 GblStrIncA Gold p -49.8 +20.0 Income A -4.3 IntBdA p IntlDivA +21.1 +41.5 IntlSmCA +.2 LtdTrmBd LTGvA p -.4 -4.4 LtdTmMu +29.0 MnStFdA MnStOA p +26.6 +30.6 MSSCA p +14.0 ModInvA RealEstA +2.8 +25.1 RisingDivA -6.8 RocAMTF RochNYMu -6.3 -2.8 RoLtCaMu +35.6 S&MdCpVl Oppenheim Quest : +7.9 QOpptyA Oppenheimer Roch: RcNtMuA -7.2 Oppenheimer Y: +20.2 Alpha Y DevMktY +6.3 +21.8 IntGrowY Sel40 Y +19.6 Optimum Fds Instl: -2.5 Fixed Inc IntlEqty +18.1 LgCapGrth +35.0 +29.7 LgCapVal SmCpGrth +35.7 SmCapVal +30.9 Osterweis Funds: Osterweis +31.0 StrInco +6.4 PACE Funds P: GovtFxdP x -1.5 IntmFxd P x -.8 -6.3 IntlEM P IntlEqtyP +17.1 IntlFxdIP x -6.0 LgGrEq P +33.1 LgVEqtyP +32.7 MuniFxdP x -1.6 SmGEqtyP +36.7 SmVEqtyP +33.3 StraFxdP x -3.8 StratInvP +9.1 PIMCO Funds A: GNMA t -2.5 MunBdA p -3.9 SDrMuIn p +.2 SmCStkPls +34.7 SkPLSTR t +28.0 PIMCO Funds C: DivIncBldr +13.8 PNC Funds: BondI p -1.6 IntmBdI -.8 IntlEqI p +26.1 LtdMatI +.3 SmCapI p +40.5 TotRAdvI -.7 UltraShBd I +.3 Pacific Advisors: SCapValA t +55.9 Pacific Cap Inst: TxFSec -2.6 Pacific Life Fds: PtOpMdCA +11.4 PtOpMdDA +15.7 PortConsC +1.9 PtOpBA t +6.9 PtOpEA t +17.8 Parnassus Funds: EqtyInco +31.9 FxdInc -2.5 Fund +30.5 Pax World: Balanced x +14.9 HiYld p +6.6 Paydenfunds: LtdMat +.5 ShrtBd +.4 Pear Tree Fds: PolFgnVal t +24.6 Perm Port Funds: Permannt -2.7 PerritMicr +43.7 Pioneer Funds A: AMTFrMu p -5.4 DiscGr A +31.2 DiscVal +27.3 HiIncMuA p -8.2 EqIncA p +26.2 SelMCGr A +38.9 HiYldA p +11.8 IbbGrAllo +17.3 MdCVA p +30.3 PionFdA p +30.9 CoreEq A +29.0 Portfolio21 +19.7 Price Funds: AME Fd +22.0 Balance +18.0 BlChip +39.8 BdEnhIndx -1.8 CapApp +21.2 CapOpp +30.7 CorpInc -.9 DvSmGr +42.0 DvsfMCG +32.4 DivGro +28.0 EmMktB -7.1 EmEurop +2.8 EmMktS -6.1 EqInc +27.7 EqIndex +29.8 Europe +31.7 ExtIndx +36.1 FinSvcs +36.8 GNMA -2.1 GRE-Fd +.2 GlbStk +30.2 GlbTech +36.0 Growth +37.3 Gr&In +30.6 HlthSci +49.2

55.68 +.33 32.25 29.47 16.11 25.75 16.86 62.38 39.25

+.17 +.27 +.10 +.20 +.10 +.29 +.14

16.82 -.13 11.21 8.30 17.61 13.84 12.22 11.83 8.28

... +.02 +.10 +.04 +.05 ... +.04

18.60 +.14 11.85 58.99 9.68 3.00 8.88 17.21 78.71 12.13 30.99 14.71 77.02 17.16 40.10 4.13 15.83 10.76 6.08 14.61 31.81 9.38 9.15 13.93 47.54 17.98 30.00 10.45 23.11 19.37 6.43 3.07 3.23 43.67

+.06 +.46 +.03 +.02 +.02 +.21 +1.68 +.09 +.20 +.07 +.56 +.10 +.49 ... -.07 +.11 ... +.05 +.13 ... ... ... +.31 +.14 +.25 +.05 +.17 +.10 ... +.01 ... +.37

25.31 +.09 6.62

...

12.02 36.73 37.06 11.95

+.11 -.04 +.21 +.13

9.38 12.41 16.78 14.90 16.08 15.07

+.02 +.06 +.12 +.06 +.27 +.19

33.90 +.14 11.82 ... 12.60 12.20 12.65 14.63 10.53 24.77 23.78 12.81 21.67 21.96 13.66 10.41

-.01 -.03 ... +.06 -.01 +.21 +.07 -.12 +.37 +.24 -.40 +.01

11.01 +.03 9.11 ... 8.47 ... 9.92 +.17 10.15 +.05 12.41 +.10 10.31 10.91 19.47 10.17 20.53 10.68 9.97

+.02 ... +.11 -.01 +.30 +.02 ...

60.01 +.89 9.93

...

13.95 14.63 11.14 12.50 15.00

+.05 +.07 +.01 +.03 +.09

36.25 +.32 16.50 +.02 46.51 +.58 24.17 -2.80 7.56 ... 9.47 10.15

... ...

18.36 +.08 47.34 +.22 36.02 +.75 13.26 16.10 19.37 7.06 33.43 38.46 10.67 13.10 25.33 38.55 15.51 39.98

... +.11 +.08 ... -.04 +.42 +.03 +.06 +.18 +.12 +.08 +.22

8.87 22.97 63.81 10.93 25.40 21.38 9.51 24.61 22.07 33.03 12.52 19.63 31.76 32.32 48.96 20.86 24.01 20.25 9.47 17.63 23.75 12.37 51.86 29.15 56.98

+.03 +.12 +.54 +.02 +.09 +.12 +.03 +.38 +.23 +.14 ... +.03 -.14 +.11 +.24 +.16 +.33 +.14 +.02 +.10 +.14 +.15 +.41 +.14 +.69

YTD Return Last

HiYield +8.9 7.15 IP Bond -8.2 12.09 IntEqIdx +17.1 13.20 IntlBond -3.8 9.51 IntDis +21.3 54.35 Intl G&I +19.7 15.16 IntlStk +11.8 15.95 Japan +27.7 10.02 LatAm -17.9 29.31 MDShrt +.7 5.22 MediaTl +37.9 68.04 MidCap +34.9 71.74 MCapVal +29.7 29.63 N Amer +35.9 43.58 N Asia -2.0 15.77 New Era +13.4 43.54 N Horiz +46.8 45.56 N Inc -1.9 9.34 OverS SF +18.9 9.91 PSBal +17.0 22.77 PSGrow +23.2 30.06 PSInc +11.2 18.23 RealAsset -3.1 10.62 RealEst +3.3 21.22 R2005 x +9.0 12.83 R2010 x +11.0 17.67 R2015 x +14.1 14.18 R2020 x +16.7 20.16 R2025 x +19.2 15.18 R2030 x +21.4 22.29 R2035 x +23.0 16.04 R2040 x +24.0 23.06 R2045 x +24.0 15.37 R2055 x +23.9 12.73 Ret Inco e +8.0 14.68 SciTec +40.7 38.28 ShtBd +.3 4.79 SmCpStk +35.5 43.85 SmCapVal +31.2 49.79 SpecGr x +26.4 23.58 SpecIn e +2.9 12.77 SpecIntl x +15.4 12.45 Strat Inco +.3 11.38 SuMuInc -3.9 11.14 SuMuInt -1.2 11.50 TFInc -3.5 9.82 TxFrH -4.7 10.89 TxFrSI +.7 5.64 TotIndex +31.5 20.84 R2050 x +24.0 12.86 USTInt -3.5 5.81 USTLg -11.2 11.51 Value +35.3 33.28 Primecap Odyssey : AggGr r +53.0 29.31 Growth r +37.5 23.30 Stock r +32.4 20.85 Principal Inv: BdMtgIn NA 10.72 DivIntlInst NA 11.84 FlxIncA p NA 12.23 HighYldA p NA 7.76 HiYld In NA 10.52 InfPro In NA 8.35 Intl I Inst NA 13.13 LgCBl In x NA 10.20 LgCG2In x NA 9.92 LgCGI In x NA 12.49 LgCV3 In x NA 14.13 LgCV1 In NA 14.86 LgGrIn x NA 10.72 NA 12.74 LgIndxI x NA 12.65 LgCValIn x LT2010I NA 13.25 NA 14.31 LT2020In NA 14.51 LT2030In LT2040I NA 14.94 NA 14.46 LT2050I NA 11.92 LTStratI MidCGIII In NA 11.95 NA 14.80 MidCV1 In x NA 9.86 PreSec In RealEstScI NA 17.87 NA 13.97 SGI In NA 20.60 SmCBldJ t SmCG2 In NA 12.64 NA 24.34 SmIdxI x NA 13.47 SmCV2 In x SAMBalA NA 15.60 NA 17.75 SAMGrA p NA 20.27 StrGrwA p TxExBdIA p NA 6.92 ProFunds Inv Cl: NA 190.34 BiotechUlt UltNasd100 NA 60.86 Prudential Fds A: AsstAlloA p +17.2 15.29 BlendA +31.3 21.75 ConsvGrA p +32.5 11.13 +18.0 12.85 DefensEq EqOppA +31.2 20.05 +25.8 17.11 FinServA -2.2 6.78 GlbTotRtA HlthSciA +53.1 39.69 +6.7 5.73 HiYldA p +17.1 7.21 IntlEqA InvP14GovA -2.2 9.38 -5.4 9.38 MuHiIncA -4.4 14.44 NatlMuA SelGwthA +36.3 13.17 -.9 14.07 TotRetBdA +27.1 16.92 2020FocA UtilityA x +24.1 14.16 +29.9 20.18 ValueA p Prudential Fds Z&I: GlRealEst Z x +2.6 21.75 +35.7 28.59 GrowthZ x MadCapGrZ +26.1 39.85 SmallCoZ +32.4 28.26 +29.9 40.12 StkIdxZ Purisima Funds: TotRet px NE 22.16 Putnam Funds A: +1.7 10.15 AR100 x AR300 x +4.1 10.52 +3.8 11.46 AR500 x +43.8 41.46 EqSpec AmGvA p -.3 8.96 +17.6 13.89 AABalA p +8.8 10.65 AACnA p AAGrA p +22.9 16.43 +31.4 16.47 CapOpp p ConvSec +20.6 24.23 DvrInA p +7.3 7.88 +29.4 21.71 EqInA p EuEq +27.9 25.95 FloatRt t +5.2 8.99 +16.5 15.32 GeoBalA GlGvA p +.8 12.61 GlNtRs p +8.0 21.42 +28.9 12.40 GlbEqty p GrInA p +33.1 19.53 GrOppA p +34.2 23.89 +39.5 62.09 GlblHlthA HiYdA p +7.5 8.09 HiYld In +6.6 6.19 +2.2 7.15 IncmA p IntlEq p +24.8 24.02 IntGrIn p +19.1 11.61 IntlGrth p +19.1 18.98 IntCapO p +20.1 39.48 InvA p +32.7 19.09 MultiCpV p +40.0 18.73 MultiCpGr +34.0 74.73 RsrchA p +30.7 22.31 SmCVA p +36.0 15.07 TxExA p -4.1 8.38 TFInA p -3.6 14.64 TFHYA -5.5 11.54 USGvA p -.3 13.29 GlblUtilA +12.0 11.35 VoyA p +40.9 30.78 Putnam Funds Y: AR700 x +5.4 12.16 CapSpec +33.9 35.40

Fri Chg Fund

YTD Return Last

+.01 +.05 +.09 +.02 +.25 +.10 +.05 +.04 -.35 ... +.39 +.77 +.31 +.43 +.04 +.29 +.74 +.02 +.07 +.11 +.17 +.07 +.05 +.12 -.36 -.54 -.44 -.61 -.38 -.55 -.32 -.47 -.29 -.25 -.17 +.63 ... +.73 +.81 -.79 -.15 -.13 ... -.01 ... ... -.01 ... +.14 -.27 ... +.15 +.20

+52.7 +15.2 -25.1 +1.5 +32.8

+.44 +.20 +.10 +.01 +.05 +.04 ... ... +.03 +.07 -.08 ... +.08 -.02 +.07 +.03 -.15 -.10 +.05 +.07 +.08 +.09 +.09 +.03 +.12 +.04 +.01 +.11 +.26 +.35 +.31 +.25 +.13 +.08 +.10 +.13 ... +3.94 ... +.08 +.20 +.06 +.05 +.16 +.09 +.01 +.62 +.01 +.04 +.02 ... ... +.11 +.03 +.10 -.16 +.11 +.03 -.72 +.38 +.43 +.19 -.94 -.15 -.43 -.16 +.65 +.02 +.07 +.03 +.09 +.20 +.19 +.02 +.10 +.13 ... +.04 +.03 +.11 +.07 +.10 +.21 +.36 +.01 +.01 +.02 +.10 +.07 +.03 +.25 +.10 +.15 +.75 +.14 +.23 ... ... ... +.04 +.06 +.26 -.16 +.46

Q-R

RS Funds: EmMkA -6.6 18.96 LgCAlphaA +35.1 57.77 RSEmG p +47.6 62.27 RSPart +40.3 39.57 Growth +42.1 19.13 Value +34.6 33.99 TaxExA -4.7 10.31 Reynolds Funds: BlChGr p +32.7 76.61 RidgeWorth Funds: GScUShBdI 10.11 HighIncI +6.9 7.11 HiYldI +5.5 9.77 IntmBdI -1.0 9.70 InvCrBdI p -2.4 10.51 InvGrTEBI -1.5 11.92 LgCGrStkI +32.1 9.48 LgCValEqI +31.8 16.45 MdCValEqI +29.0 13.40 SmCpGrI +42.3 17.08 SmCpValI +32.9 17.59 TotRetBd I -2.8 10.29 RivNthCor +13.5 13.16 Royce Funds: HeritgSv p +23.7 15.91 LwPrSkSv r +9.9 13.26 MicroCapI +19.1 16.38 100FdS t +29.0 9.91 OpptyI r +40.2 15.18 PennMuI r +32.9 14.47 PremierI r +25.1 21.66 SpecEqI r +27.2 24.61 TotRetI r +30.6 16.20 ValSvc t +24.5 13.14 VlPlSvc +30.3 16.65 Russell Funds C: USSmCpE +41.6 34.95 Russell Funds S: EmerMkts -3.2 18.34 GlobEq +25.0 11.44 IntlDvMkt +18.6 36.70 InvGrdBd -2.1 21.70 RESec +2.1 39.47 ShtDurBd +.7 19.38 StratBd -1.3 10.97 TaxExBd -.9 22.38 TxMgUSLC +29.0 29.08 TMUSMdSm +37.8 23.22 Russell LfePts A: GwthStrat p NA 11.73 Russell LfePts C: BalStrat NA 11.84 ConsStrat NA 10.98 EqGthStrat NA 10.35 ModStrat p NA 11.49 Rydex Dynamic: NasdStrH NA 260.62 Rydex Investor:

-.02 +.27 +1.35 +.43 +.18 +.18 ... +.74 ... ... +.01 +.01 +.02 ... +.07 +.06 +.11 +.38 +.22 +.02 +.07 +.17 +.09 +.28 +.13 +.26 +.22 +.23 +.39 +.19 +.17 +.24 +.68 -.03 +.06 +.22 +.03 +.29 ... +.01 ... +.16 +.37 +.05 +.04 +.01 +.05 +.03 +4.74

Biotech InvGvLBdSt InvS&P5St MgdFutStr NasdaqInv

63.21 9.80 17.52 21.55 20.99

Fri Chg Fund +1.25 -.16 -.09 -.05 +.19

S-T

SEI Portfolios: GNMA A -2.3 10.34 ShtGovA -.4 10.52 UltraShtA +.7 9.35 SSgA Funds: EmgMkt x -6.5 17.48 IAM Shs x +30.3 14.04 IntlStock x +20.2 10.78 SP500 +30.0 29.10 SatuitUSEmg +36.6 42.56 Schwab Funds: Balanced +17.2 14.63 CA TxFrBd -1.2 11.68 CoreEq +29.2 22.52 DivEqSel +29.5 17.49 FunIntLInst r +21.5 9.04 FunUSLInst r +31.8 14.16 FunUSSm r +36.5 13.34 GNMA Sel -2.5 9.93 GlbRESel r -.6 6.47 HlthCare +38.1 22.99 HdgEqSl r +13.7 17.51 IntBdInst -1.0 10.10 IntSS r +18.4 19.35 LCpGrSl r +29.8 16.22 MT AllEq +27.3 16.42 MT Bal +15.2 18.82 MT Cons +9.1 15.45 MT Gro +21.6 22.15 1000Inv r +30.4 47.85 S&P Sel +30.0 28.36 ST Bond 9.25 SmCpSl +36.5 27.16 SCpEqSel r +41.4 23.76 Trgt2020 r +14.9 13.73 Trgt2030 r +20.0 15.01 Trgt2040 r +23.8 15.89 TaxFrBd -1.7 11.50 TotBond -2.1 9.28 TSM Sel r +31.1 33.10 TrsInflProt -8.4 10.92 Schwartz Funds: CathVal p +23.5 21.96 Scout Funds: Intl x +10.4 36.36 MidCap rx +35.7 17.55 SmCap +34.7 23.51 Security Funds: LgCpCorA +26.2 21.99 MCpVlA +30.7 37.69 Selected Funds: AmShD +31.0 49.26 Sentinel Group: BalanA p +17.7 20.28 ComS A p +28.2 43.44 ConsStrA p +10.3 13.69 CoreOppA p +29.0 18.54 GvSecA p -5.4 10.01 SmCoA p +32.6 8.51 Sequoia +31.6 218.03 Shelton Funds: EquityInc +29.8 23.71 Sit Funds: LrgCpGr +27.0 49.60 +31.1 20.20 MdCpGr -2.1 11.04 US Gov Sound Shore: SoundShore +38.6 48.18 NA 29.78 SoSunSCInv t Spirit of Amer: NA 11.23 Income A Stadion Funds: ManagedA p +3.4 10.09 St FarmAssoc: +12.8 61.67 Balan Gwth +24.6 67.58 -.9 9.99 Interm -1.5 8.58 Muni State Farm Retail: +30.6 8.51 EquityI +29.3 13.75 500IdxLgA SCIdxLgA +35.6 16.99 Stratton Funds: +37.6 72.46 SmCap e SunAmerica Funds: +4.6 8.33 FloatC 3.48 StrBdA SunAmerica Focus: +31.3 23.37 FMltCpVA +19.4 15.31 FMltASA TARGET: +33.7 26.41 SmCapV -.1 9.74 TCU ShDur TCW Funds: +32.4 15.88 DivFocus -4.8 8.43 EmMktIn RelValLCI +33.3 20.33 +27.4 25.76 SelEqtyI +43.1 38.34 SmCpGr TotRetBdI +1.8 10.06 TCW Funds N: -1.6 10.89 CoreFxdN p TFS Funds: +2.6 15.43 MktNeut re TIAA-CREF Funds: LC2010Ret x +10.8 12.76 LC2015Ret x +12.5 12.18 TIAA-CREF Retail: MgdAlloc x +15.4 11.90 -3.9 10.40 TxExBond Thompson IM Fds: Bond +2.7 11.73 Thornburg Fds: +40.4 26.90 CoreGrA t LtdGvA p -1.7 13.29 -1.7 13.29 NM IntA +37.1 44.44 ValueA t Thrivent Fds A: +19.0 12.89 BalIncPls +9.6 7.24 DivrIncPls HiYld +6.3 5.09 -.1 9.04 Incom +27.2 25.99 LgCpStk MidCpGr +27.2 19.42 +32.3 21.14 MidCpSk MuniBd -3.6 11.08 OppIncPlus NS 10.29 +33.1 19.31 SmCpStk Tocqueville Fds: Delafield +25.8 37.09 +31.2 30.98 Fund Gold t -49.7 31.96 IntlVal p +19.1 14.64 Torray Funds: Fund +30.8 42.81 Touchstone Family: +29.2 26.76 CapGrth Y FlexIncY +.6 10.39 FocEq Y +36.6 33.96 +5.6 9.22 HiYld Y LgCGr Y +28.4 31.46 MergArb A +4.3 10.76 MCpGrA +32.0 25.23 MidCap Y +33.2 22.71 SandsCpG Y +39.4 17.68 UlShDrFxI r +.5 9.44 Transamerica A: SmMidCV tx +34.0 27.64 Transamerica C: AsAlCnsv t +6.9 12.36 AAlModGr t +18.0 14.61 TA IDEX C: AsAlMod t +12.1 13.67 AsAlGrw t +24.5 15.34 Transamerica Ptrs: AstAll IH +12.7 12.64 CoreBond -1.2 12.89 IAstAllILH +18.2 13.16 InstCoreBd p -.9 10.69 InstHiYBd p +7.0 9.07 InstMdVal p +30.5 20.56 InstStkIdx p +29.8 12.15 IntlEq p +10.8 11.56 LgGwth +32.5 28.27 LgValue +34.8 24.72 MidValue p +30.1 18.72 StkIdx p +29.4 14.13 Trust Prof Mgrs: GerstGrEq x NE 16.36 GlEqCvCall NA 11.16 PMC DivrEq x NE 23.48 Schooner A +15.9 25.33 Trust for C.U.: UltraShtGv -.1 9.57 Turner Funds: EmgGrwth +44.4 57.67 MidcpGth +34.9 35.79 SmlCpGr +38.8 38.47 Tweedy Browne: GblValue +17.5 27.30 GlVCurUnh r +17.0 14.59 Value +20.4 23.80 WWHiDiv +16.1 11.66

+.02 ... ... -.25 -.01 -.03 -.04 +.90 +.07 ... +.09 +.07 +.05 +.06 +.17 +.02 +.04 +.13 +.02 +.01 +.12 +.09 +.14 +.11 +.06 +.15 +.26 +.13 -.01 +.50 +.39 +.07 +.08 +.10 ... +.01 +.21 +.04 +.15 +.02 -.70 +.35 +.10 +.37 +.28 +.09 +.22 +.04 +.10 +.01 +.09 +.19 +.11 +.34 +.24 +.01 +.29 -1.26 +.05 +.02 +.06 +.06 ... ... -.01 -.09 +.32 -1.31 ... ... +.11 +.10 +.35 ... +.15 +.01 +.18 +.23 +.71 +.01 +.02 -.53 -.43 -.69 -.31 ... ... +.32 ... ... +.37 +.04 +.01 +.01 +.02 +.22 +.15 +.15 ... ... +.27 +.37 +.19 +.10 +.09 +.21 +.26 +.02 +.20 +.01 +.16 ... +.16 +.17 +.16 ... -2.15 +.04 +.06 +.04 +.08 +.06 +.03 +.08 +.03 ... +.15 +.06 +.05 +.23 +.11 +.13 +.07 -.80 +.01 -.59 +.03 ... +1.21 +.36 +.70 +.11 +.05 +.12 +.04

YTD Return Last

Fri Chg

TxEIt -1.1 13.13 TxELT -2.9 13.02 TxESh +.6 10.70 UltrShBd +1.3 10.11 Value +33.5 19.14 WldGr +24.6 26.55 Value Line Fd: AstAlc +19.2 27.42 Inc&Gro +18.0 10.14 LrgCo +27.8 25.27 PremGro +24.6 35.94 SmCOpp +34.4 50.81 Van Eck Funds: IInvGldA NA 8.26 Vanguard Admiral: BalAdml +17.1 27.43 500Adml +30.1 168.42 InfProAd -8.3 25.84 ITBdAdml -2.9 11.25 ITGovBd -2.3 21.36 MCpAdml +32.8 135.41 SmCAdm +35.5 52.51 SmCapGrth +36.0 42.57 SmCapVal +34.2 41.85 TxMCap r +31.3 93.46 TxMGrIn r +30.0 81.88 TtlBAdml -1.8 10.62 TxMSC r +39.2 43.37 Vanguard Fds: DivrEq +33.0 30.66 EmgMktSel -1.2 19.43 ExpValFd r +35.6 30.91 MgdPayDF +12.8 15.62 STTIPS Inv -1.6 24.68 StrSCEqInv +40.0 30.39 TgtRet2055 +22.3 30.32 TgtRet2060 +22.2 26.66 TotIntBInv NS 9.94 CapValue +40.9 14.10 Convrt +18.0 14.71 DivdGro +29.0 20.95 GlobEq +24.8 23.30 GroInc +30.4 38.88 GrthEq +30.9 16.02 IntlExplr +27.0 17.96 IntlVal +19.2 37.17 LifeCon +8.5 18.15 LifeGro +19.4 27.54 LifeInc +3.3 14.47 LifeMod +13.9 23.17 MdCpGro +31.9 24.32 PrecMtls r -37.8 9.91 PrmcpCor +34.0 19.14 SelValu r +39.7 27.74 STAR +16.6 24.08 StratEq +39.3 29.89 TgtRetInc +5.4 12.70 TgRe2010 +8.4 26.16 TgtRe2015 +12.0 14.99 TgRe2020 +14.6 27.31 TgtRe2025 +16.7 15.86 TgRe2030 +18.8 27.78 TgtRe2035 +20.9 17.04 TgtRe2040 +22.3 28.34 TgtRe2050 +22.3 28.23 TgtRe2045 +22.3 17.79 TxMBal +13.4 24.83 USGro +33.4 28.24 USValue +31.9 15.35 Vanguard Group: MgPayG&D +14.8 19.33 Vanguard Idx Fds: +34.8 11.43 FTSESoc LTBnd -7.7 12.63 +12.2 16.34 TotlIntl +31.1 45.89 TotStk Vantagepoint T: NA 10.37 DivrStrat x +29.3 28.44 ViceFd t Victory Funds: +32.1 21.86 DvsStA +32.3 36.26 EstValA FundIncA -1.5 10.52 +21.0 25.17 VillereBal Virtus Funds A: AlpSecRota +29.5 15.03 +14.0 15.00 BalanA x +28.1 34.05 MidCpVA p MulIntmBd +2.1 10.86 +1.4 4.86 MulSStA p +.3 32.48 ReE A px StratGrA +27.1 12.41 +15.9 9.70 TactAllA x

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W-X

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10.74 11.53 6.31 9.91 7.14 18.32 15.38 3.87 5.46 7.60 11.87 7.23 4.62 11.48 15.85 16.10 17.41 16.43 9.79

+.07 +.01 ... +.05 +.03 +.08 +.11 ... ... ... +.05 -.01 ... +.10 +.25 +.10 +.27 +.10 +.06

55.25 17.46 28.65 3.01 16.38 3.72 7.96 53.39 5.47 15.07 26.27 24.48

+.83 +.06 -.03 ... +.06 +.04 +.21 +.98 +.06 +.25 +.60 +.18

57.97 16.42 31.97 12.55 44.03

+.48 +.06 +.15 ... +.07

15.01 8.55 6.20 43.32 3.23 25.70 22.29 49.58 31.77 14.14 31.01 8.81 16.53

+.06 +.07 +.02 +.48 ... +.21 +.10 +.50 +.01 +.10 +.49 ... +.13

13.50

...

11.47 24.46 7.40 30.92 47.44 9.96 10.67 14.24 11.88 17.44 13.94

-.02 +.24 ... +.18 +.41 ... ... ... ... ... ...

13.15 15.00 16.34 18.69

+.04 +.06 +.09 +.11

9.82 +.01 17.94 +.11 20.24 -.49 14.13 -2.55 10.74 -.02 11.88 10.93 6.41 5.14 3.90 10.55

33.02 +.29 24.12 +.32 17.03 +.19 17.28 +.04

U-V

UBS Funds Cl A: DynAlpha t +5.3 GlobAllo t +8.8 US AllA +20.4 UM Funds: BehavValA tx NA US Global Investors: GlbRs -3.3 USAA Group: AgvGt +32.3 BalStra +9.0 CapGr +26.3 CrnstStr +9.4 ExtMktIn +34.9 FStrtGr +15.8 GovSec -1.5 GrTxStr +12.2 Grwth +33.0 Gr&Inc +33.4 HYldInco +8.2 IncStk +28.7 Inco +.1 IntTerBd +1.3 Intl +14.8 Nasdq 100 +33.8 PrecMM -53.6 S&P Idx +29.8 SciTech +38.5 SmCpStk +35.8 TgtRet2020 +8.1 TarRet2030 +12.3 TarRet2040 +15.5 TarRet2050 +16.7 TarRetInco +4.9

7.12 +.01 10.36 +.03 36.64 +.24 52.26 +.50 9.12 +.02 39.41 14.86 8.68 25.20 17.45 13.12 9.90 16.09 22.28 21.45 8.67 16.84 12.97 10.70 29.68 10.18 12.42 25.95 19.20 18.68 12.85 13.26 13.03 12.84 11.83

+.03 -.01 ... ... -.01 -.01

+.28 +.03 +.04 +.07 +.24 +.06 +.01 +.04 +.14 +.15 +.01 +.10 +.02 +.01 +.12 +.10 -.01 +.13 +.15 +.34 +.04 +.06 +.06 +.07 +.03

Mutual fund footnotes e — ex-capital gains distribution; f — previous day’s quote; n or NL — no up-front sales charge; p — fund assets used to pay distribution costs; r — redemption fee or contingent deferred sales load may apply; s — stock dividend or split; l — both p and r; x — ex-cash dividend; NA — no information; NE — data in question; NN — fund does not wish to be tracked; NS — fund did not exist at start date

KALAMAZOO GAZETTE / SUNDAY, DECEMBER 22, 2013 / I7

Business CHICAGO

Pension crisis puts Chicago’s future in danger could cause businesses to leave, or cutting services, which would penalize residents, won’t be enough, said Michael Pagano, dean of the College of Urban Planning By Sara Burnett and Public Affairs at the The Associated Press University of Illinois at It’s not the vision of a world- Chicago. class city that Chicago Mayor “I don’t think either one is Rahm Emanuel typically likes even a possibility,” he said. to portray. “Everybody’s going to have to More teachers losing their give something.” jobs, thousands fewer police Chicago’s pension funds for and firefighters on duty, less city workers, police officers frequent trash collection and and firefighters are about miles of potholed roads going $19.5 billion short of what’s unrepaired — all as property needed to meet its current taxes soar. obligations. But that’s the scenario The shortfall amounts to Emanuel and others have about $7,100 per Chicago said could befall the nation’s resident. That’s nearly eight third-largest city if the state times the per person cost of Legislature — which recently the unfunded pension liabilpassed a landmark measure to ity in Detroit, a city that saw address Illinois’ severe public its population plummet in pension shortfall — doesn’t the years before it went into deal with Chicago’s own multi- bankruptcy earlier this year. billion-dollar pension problem. Add in the unfunded liability The economic capital of for Chicago teacher pensions, Illinois and the Midwest, and the total shortfall jumps Chicago holds the dubious dis- to about $27 billion. tinction of having the worstCity officials say the shortfunded public pension system fall is due largely to investof any major U.S. city. It’s a ment losses during recent crisis that’s putting in peril economic downturns, to Chicago’s reputation as “the workers and retirees living city that works,” and its vision longer and to increases in of being a modern transporbenefits. The city’s annual tation hub in the midst of a contributions to the funds, set high-tech boom. by state statute, also were well “Chicago sticks out for all below what was necessary the wrong reasons,” said for meeting its obligations, Rachel Barkley, a municipal according to a Morningstar credit analyst at Morningstar analysis. Inc., referring to a public penUnder state statute, those sion system that is only 35 contributions are now schedpercent funded, compared to uled to more than double next New York’s 60 percent and year, to about $1.07 billion. San Francisco’s 88 percent. Emanuel, a former White It’s raising the question: House chief of staff who is up Which version of itself will for re-election in 2015, says Chicago become? the increase is about equal Just raising taxes, which to the annual cost of having

“Chicago sticks out for all the wrong reasons. RACHEL BARKLEY, A MUNICIPAL CREDIT ANALYST AT MORNINGSTAR INC.

System funded at 35 percent; shortfall is estimated at $7,100 per resident

Striking Chicago Public School teachers picket on Sept. 10, 2012, as Mayor Rahm Emanuel visits with students taking part at the Safe Haven program during a teachers strike in Chicago. (AP ﬁle)

of-living increases, as it did for the state pension system. “The pension crisis is not truly solved until relief is brought to Chicago and all of the other local governments across our state that are standing on the brink of a fiscal cliff because of our pension liabilities,” he said after lawmakers approved the state changes last week. Senate President John Cullerton, a Chicago Democrat, said he wants to Emanuel visits with students Sept. 10, 2012, at Maranatha take up the issue “as soon as Church in Chicago, where students were being provided strucwe can when we come back tured activities during a teachers strike. next year.” Lawmakers are next scheduled to meet at the 4,300 police officers on the Schools’ payment to the penCapitol in Springfield in late beat or resurfacing 16,000 city sion fund for Chicago teachers January. blocks. also is slated to increase next Jesse Sharkey, vice presiIf the city doesn’t cut servic- year, from $196 million last dent of the Chicago Teachers es and pension benefits aren’t year to $600 million. Union, said the union fully changed, he says, the annual Emanuel wants the expects a bill that will solve payment would require a 150 Legislature, which must the problem “on the backs of percent hike in property taxes approve any changes to penworking people.” — an increase he calls “unacsion benefits, to raise the He warned the Legislature ceptable.” Chicago Public retirement age and cut costshould prepare for pro-

tests on the scale of those in Wisconsin in 2011, when thousands of union members camped out in the state Capitol to protest Republican Gov. Scott Walker’s attempts to effectively end collective bargaining for most state workers. “There’s no way this attack isn’t coming, and we’re gearing up for it,” Sharkey said. Emanuel isn’t backing down either. He says reducing the city’s and the Chicago Public Schools’ payments to the pension funds is particularly critical for the school system, which closed dozens of schools this fall, in part because of budget problems. “I don’t want the cost as it relates to pensions to crowd out the future of the city of Chicago, which is our children,” he told a group of executives during a recent Bloomberg Business Summit.

NEW YORK

Holiday shopping spree not possible for everyone to hold out for even deeper holiday savings on clothes, electronics and more. To stay competitive and boost sales, retailers are slashing prices further during their busiest By Anne D’Innocenzio season of the year, which is and Candice Choi cutting into their own profit The Associated Press margins. There aren’t reliable figures Many Americans are watching the annual holiday spend- on how many people plan to shop during the holidays. But ing ritual from the sidelines early data points to a shift in this year. holiday spending. Money is still tight for The National Retail some. Others are fed up with Federation estimates that commercialism of the holisales during the start to the days. Still others are waiting official start to season — the for bigger bargains. And people like Lark-Marie four-day weekend that began Thanksgiving Day — dropped Anton Menchini are more 2.9 percent from last year thoughtful about their purto $57.4 billion. That would chases. The New York public relations executive says in the mark the first decline in the seven years the trade group past she would buy her chilhas tracked spending. dren up to eight Christmas And during the week aftergifts each, but this year they ward, sales fell another are getting three apiece. 2.9 percent compared with The leftover money is going a year ago, according to data toward their college savings. tracker ShopperTrak, which “We told them Santa is ... did not give dollar amounts. being very conscious of how Meanwhile, the number of many gifts he puts on his shoppers in stores plunged sleigh,” Menchini, 36, said. nearly 22 percent. Despite an improving The numbers are sobering economy, most workers are for retailers, which depend not seeing meaningful wage on making up to 40 percent of increases. And those who their revenue in the last two can splurge say the brash months of the year. They sugcommercialism around the holidays — many more stores gest shifts in the attitudes of U.S. shoppers that could force are opening for business on stores to reshape their strateThanksgiving — is a turnoff. gies: But perhaps the biggest factor is that shoppers are SHOPPERS WANT DEALS less motivated than ever Stores slashed prices durby holiday sales. Since the ing the recession to get finanGreat Recession, retailers have been dangling more dis- cially strapped shoppers in stores and to better compete counts throughout the year, with the cheaper prices of so Americans have learned

Economy is improving, but workers aren’t seeing meaningful wage increases

Many consumers cannot afford boots or other Christmas gifts this year. (AP ﬁle)

online retailers like Amazon. But shoppers got used to those deals and now won’t buy without them. The constant discounting has blunted the “wow” factor of sales during the holidays. For instance, some retailers were offering discounts of 40 percent or more on the day after Thanksgiving known as Black Friday. But Jennifer Ambrosh, 40 was unimpressed with the “deals” she saw on that day. “There’s a lot of hype, but ... the deals aren’t that good,” Ambrosh, an accountant, says. Overall, the retail federation expects spending in November and December to rise 3.9 percent to $602.1 billion. But to get that growth, analysts say retailers will need to discount heavily, which eats away profits.

There are signs that profits for the quarter that includes the holiday season are being hurt by the discounting. WalMart and American Eagle Outfitters are among 47 retailers that have slashed their outlooks for either the quarter or the year. Overall, retailers’ earnings growth is expected to be up 2.1 percent, according to research firm Retail Metrics. That would be the worst performance since profit fell 6.7 percent in the second quarter of 2009 when the country was in a recession. SCRUTINIZING PURCHASES

The recession not only taught Americans to expect bargains. It also showed them that they could make do with less. And in the economic recovery, many have main-

tained that frugality. So whereas in a better economy, Americans would make both big and small purchases, in this economy they’re being more thoughtful and making choices about what to buy. That hasn’t boded well for retailers that sell clothing, shoes and holiday items. That’s because Americans are buying more big-ticket items over the holidays. Government figures show that retail sales were up 0.7 percent in November, the biggest gain in five months. But the increase was led by autos, appliances and electronics. Auto sales jumped 1.8 percent, furniture purchases rose 1.2 percent and sales at electronics and appliances stores rose 1.1 percent. Meanwhile, sales at department stores and clothing chains were weak.

Americans are leaning toward big purchases for two reasons. They want to take advantage of low interest rates. And since many paid down debt since the recession, they feel more comfortable using credit cards again for such purchases. But they won’t do that and buy smaller items. “This is still a weak, fragile shopper,” says Craig Johnson, president of Customer Growth Partners, a retail consultancy. Retailers including Macy’s and Target in recent months have said that shoppers’ focus on big-ticket items has put a damper on sales of discretionary items, and the retail federation says it has hurt holiday sales in particular. HOLIDAY CONSUMERISM

Black Friday used to be the official kickoff to the buying season, but more than a dozen chains opened on Thanksgiving this year. That didn’t sit well with some shoppers who viewed it as an encroachment on family time. Some threatened to boycott stores that opened on the holiday, while others decided to forgo shopping altogether. Analysts say stores will need to redefine Thanksgiving as a family tradition beyond sitting at the table eating turkey to make more shoppers comfortable. “They have to show that they’re maintaining a family tradition in new ways,” says Marshal Cohen, chief retail analyst at market research firm NPD Group.

I8 / SUNDAY, DECEMBER 22, 2013 / KALAMAZOO GAZETTE

Business PORTLAND, ORE.

Experts point to agriculture as ideal market for drones

“We’re transparent about what’s going to determine our policy in the future.” FEDERAL RESERVE CHAIRMAN BEN BERNANKE

By Gosia Wozniacka

concerns about privacy and government surveillance, Idaho farmer Robert Blair leading to drone privacy bills isn’t waiting around for fedbeing introduced in most eral aviation officials to work states this year and about a out rules for drones. He and dozen states passing laws, a friend built their own, outmost to limit drone surveilfitting it with cameras and lance by law enforcement. using it to monitor his Those concerns, in turn, 1,500 acres. have tempered interest in Less than 10 pounds and developing unmanned air5 feet long nose to tail, the craft technology for police aircraft is the size of a turand other crime-fighting key and Blair uses it to get a agencies — leading drone birds’-eye view of his cows manufacturers and researchand fields of wheat, peas, ers to focus on agriculture barley and alfalfa. instead, said Josh Brungardt, “It’s a great tool to coldirector of unmanned syslect information to make tems at PARADIGM, a Bend, better decisions, and we’re Ore.-based drone research just scratching the surface company. of what it can do for farm“A small UAV flying over ers,” said Blair, who lives in a field with nothing around Kendrick, Idaho, roughly it doesn’t create a privacy 275 miles north of Boise. issue,” he said. “We’re talkWhile Americains are ing about an operating atmoabuzz about Amazon’s plans sphere that’s much more to use self-guided drones benign.” to deliver packages, most Last year, Congress future unmanned aircraft directed the FAA to grant may operate far from the unmanned aircraft access nation’s large population to U.S. skies by September centers. 2015. The agency is in the Experts point to agriculmidst of developing operature as the most promising tional guidelines for drone commercial market for use, but it said the process drones because the technolwould take longer than ogy is a perfect fit for largeCongress expected. scale farms and vast rural Next year, the agency plans areas where privacy and to propose a rule for small safety issues are less of a unmanned aircraft, but it concern. declined to discuss the rule. Already, farmers, In the meantime, the FAA researchers and companies is also working to choose are developing unmanned by the end of December six aircraft systems equipped drone test sites across the with cameras and other sen- country. sors to survey crops, monitor Blair’s drone, built in for disease or precision2008, isn’t breaking the law, spray pesticides and fertilbecause his aircraft is essenizers. tially a model airplane — Drones, also known as allowed by the FAA as long UAVs, are already used over- as it’s flown below 400 feet seas in agriculture, including above ground level, far from Japan and Brazil. populated areas and no one And the possibilities are is compensated for the flight. endless: Flying gizmos could Blair said the UAV gives be used to ward off birds him a complete, aerial view from fields, pollinate trees, of his crops. He said he also do snow surveys to forecast uses it to gather historical water supply, monitor irriga- data on his crops — which tion, or plant and harvest can help validate crop loss or crops. animal damage when applyThe technology could revo- ing for government prolutionize agriculture, farmgrams like crop insurance. ers say, by boosting crop Companies large and health, improving field man- small are also racing to agement practices, reducing develop the technology, as costs and increasing yields. are universities. So far, drones have been Oregon State University used mainly by the military. researchers flew drones this Interest is booming in findsummer over potato fields to ing other uses for them, but monitor for disease. Oregon the possibilities are limited nurseries have also partbecause of regulations on the nered with researchers to use of airspace and privacy test unmanned technology to concerns. count potted trees. The Federal Aviation In Florida, farmers and Administration does not researchers have used allow drones’ commersmall unmanned helicopcial use. Businesses and ters equipped with infrared researchers can only apply cameras to monitor orange for a special, experimental trees for the deadly citrus airworthiness certificate for greening, a bacterial disease research and development, that kills the trees. Greening flight demonstrations or begins at the top of the tree. crew training. And at the University of The FAA does allow public California, Davis, profesagencies — including law sors have teamed up with enforcement and other govYamaha Motor Corp. USA to ernmental agencies — to get fly unmanned remote-cona certificate of authorization trolled helicopters to spray to operate unmanned airvineyards and orchards. craft in civil airspace. Some farmers fear enviAbout a dozen sheriff’s ronmental groups could offices, police and fire use the technology to spy departments, as well as on them — PETA, People U.S. Customs and Border for the Ethical Treatment of Protection, have been Animals, recently announced allowed to use drones. plans to purchase drones to The move has raised monitor factory farms. The Associated Press

The news conference of Federal Reserve Chairman Ben Bernanke appears on a television screen at a trading post on the ﬂoor of the New York Stock Exchange on Wednesday. The Federal Reserve has decided to reduce its stimulus for the U.S. economy because the job market has shown steady improvement. The Fed will trim its $85 billion a month in bond purchases by $10 billion starting in January. (AP)

WASHINGTON

Bernanke oﬀers new formula for pleasing on-edge investors By Josh Boak

rates encourage spending, hiring and stabilizer.” investing. At the same time, critics say it “We’re transparent about what’s In his final performance, Ben can inflate dangerous bubbles in stocks, going to determine our policy in the Bernanke rewrote the script. housing and other assets. future,” Bernanke said then. Investors had been on edge for But over the past year, the decline UNEMPLOYMENT, EXPECTATIONS, months about when the Federal in the unemployment rate to 7 percent Reserve might slow its economic stimu- INFLATION from 7.8 percent hasn’t necessarily lus. A pullback in the Fed’s bond purBernanke’s remarks suggested that reflected a much stronger job market. chases, they feared, could jack up inter- three factors had led him to the balance So Bernanke adapted. est rates and whack stocks. Bernanke’s he struck Wednesday: The unemployUnemployment has fallen in part mere mention of the possibility in June ment rate can be misleading. The Fed because the equivalent of more than 7 had sent stocks tumbling. wants to avoid setting unrealistic expec- million Americans left the workforce So on Wednesday, Bernanke showed tations. And inflation remains so low and were no longer counted as unemsomething he had learned from leading that it poses a potential problem for the ployed. Some of this reflects an aging the Fed and addressing the public for economy. population. Some of it comes from a diseight years: Tough news goes down best “It comes out of the danger that couraged group of Americans who can’t when it’s mixed with a little sweetener. you’re getting so specific with these find jobs. All of it suggests an underlyunemployment rates, you end up in a ing weakness in the economy. TRIMMING BOND PURCHASES situation where you put yourself in a “We want to look at hiring, quits, At his last news conference as chaircorner,” said Wells Fargo chief econovacancies, participation, long-term man, he explained that the Fed would mist John Silvia. “Sometimes you can unemployment,” Bernanke said trim its monthly bond purchases by be too specific and too transparent, Wednesday. “So I expect there will be $10 billion to $75 billion — a prospect certainly in the uncertain world of ecosome time past the 6.5 percent before that had worried the markets. nomics.” all of the other variables we’ll be lookYet Bernanke also calmed nerves by With the Fed essentially dropping the ing at will line up in a way that will give walking back a plan to consider raising 6.5 percent unemployment threshold, us confidence that the labor market is short-term rates once unemployment Bernanke signaled that he now sees strong enough to withstand the beginreaches 6.5 percent from the current 7 greater public transparency — a longning of increases in rates.” percent. time priority of his as chairman — as 6.5 PERCENT That 6.5 percent threshold the being somewhat flawed. It also means Fed had been using? Not much of a his likely successor, Janet Yellen, will Most Fed officials now expect unemthreshold anymore. The Fed now says feel at liberty to show similar flexibility. ployment to drop to 6.5 percent by it expects to keep its key short-term Though the Fed will be scaling back the end of next year, according to new rate near zero “well past” the time that its monthly bond purchases, Bernanke projections released Wednesday. Many unemployment falls below 6.5 percent. called the buying of Treasurys and projected that rates would increase The message: The Fed expects lowmortgage bonds merely a “supplemenstarting in 2015 — seven years after the cost loans to boost the economy for, tary tool” compared with the “main financial crisis erupted. well, for a very long time. tool” of the Fed’s benchmark short-term Secondly, more transparency has not Investors rejoiced by sending the rate. stabilized the markets. The stock sellDow Jones industrial average rocketing At his December 2012 news conferoff that occurred in June after Bernanke nearly 300 points to a record high. ence, Bernanke had announced the 6.5 suggested that bond purchases could It means that five years after the Fed percent unemployment threshold as a soon end eventually turned into a rally. responded to the financial crisis by cut- way to “allow the markets to respond After the Fed chose not to pull back on ting its key short-term rate to near zero, quickly and promptly to changes” in its buying at its September meeting, it has no plans to change course. Low Fed policy and act “like an automatic stocks set record highs. The Associated Press

WASHINGTON

Study: Many blacks, Latinos have no retirement savings By Michael A. Fletcher

The Washington Post

In this photo, a multi-rotor hexacopter, an unmanned aircraft, monitors a farm in Kendrick, Idaho. Experts say agriculture is the most promising commercial market for drones, a perfect ﬁt for America’s large-scale farms and vast rural areas where privacy and safety issues are less of a concern. (AP)

Fewer than half of black and Latino workers have retirement plans on the job, leaving the vast majority of them with no savings designated for their golden years, according to a report set to be released Tuesday. Americans of all races face the growing prospect of downward mobility in retirement, the report said, but the problem is particularly acute for blacks and Latinos. Blacks and Latinos generally do not benefit much from tax breaks and other policy initiatives aimed at bolstering security in old age because

they typically have no money in individual retirement accounts (IRAs) and other vehicles outside the workplace, said Diane Oakley, executive director of the National Institute on Retirement Security, which conducted the study. In addition, they are much less likely than whites to have defined-benefit pensions, particularly outside of publicsector jobs. “Those are startling findings,” Oakley said. “The typical household of color has nothing saved in a retirement account.” The report highlights the problems looming for a nation

grappling with serious debt as an aging population is demanding more services from the government. Many policymakers, including the Simpson-Bowles fiscal responsibility commission and President Barack Obama, have endorsed trimming Social Security benefit increases to rein in the national debt. Charles Blahous, research fellow with the Hoover Institution and one of the trustees appointed to oversee Social Security and Medicare, argued that Social Security has the perverse effect of discouraging cash-strapped people from making retirement savings a priority.

“A true answer to the problem would mean decreasing our society’s dependence on income transfer programs as a source of retirement income and increasing the net amount of saving that we do,” he said in an e-mail. Meanwhile, a host of state and local governments have been cutting back on pension benefits for public employees, saying they cannot afford the long-term cost. Such pensions, which typically pay a fixed benefit for life, have been of particular help to African-Americans, who make up a disproportionate share of government workers.