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Homes

SECTION

Henri de Marne

Fix heat-loss issues to save money have an older home Q We in Flint that is supposedly

well-insulated. But there are voids, and we can’t tear off the siding and redo the whole house. So what can we do? The house is 11/2 stories with three bedrooms upstairs, four rooms on the first floor and a full basement. When we heat with wood, the basement and first floor stay toasty. The second floor is never very warm and we have to pile up the blankets. And the heat is costly.

haven’t told me your AveryYou house’s age, but I doubt much it would be consid-

ered well-insulated. To find out if there are any voids causing you heat loss, consider contacting your utility provider or local government to direct you to weatherization programs run by either of these entities. You might qualify for grants or very low-interest loans to tighten up your house. Wood heat is unlikely to be your only source of heat. Do you also have a warm-air furnace, which is inefficient or unsafe to use — and what is the fuel used? You also can use the duct system to distribute the wood heat throughout the house, assuming the wood stove is in the basement and not too far from the furnace. A metal hood over the wood stove with a simple, inexpensive in-duct fan connected to the furnace’s duct system can be installed. The furnace’s fan should be turned on to run constantly to distribute the heat throughout the house and make the second floor warmer. You might also find you qualify for financing toward a pellet furnace. Wood pellets are the cheapest fuel.

exterior of my house Q isThedone in aluminum sid-

ing. It must be high quality in nature because it survived all of the hail storms in my neighborhood. I was planning on replacing my siding, since over the years, it has faded. I received several estimates. A Realtor friend of mine said I would never recover the cost of replacement because of the poor housing market. She suggested I have it painted. If I choose to have it painted, how long will it last and should the siding be primed first?

A

Aluminum siding can be painted very successfully. First run your hand over it to find out if it is chalking. If there is any chalk on your hand, you will need to wash the siding with a detergent and a stiff brush. If there are mildew signs on the siding, you should add a mildewcide or Clorox bleach to the detergent. (Be careful not to mix any bleach with any product containing ammonia — the combination is very dangerous!) Rinse the siding. Once you have cleaned the siding, prime with an alkyd primer formulated for aluminum siding; it will bind better than water-based acrylic primers. The best finish coating is 100 percent acrylic paint. You should apply two coats for best results and durability.

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.

The butterfly bush is a pollinatorattracting, lowmaintenance shrub that, once established, can tolerate weather extremes and gardener neglect. It is considered invasive in certain areas, though, so keep it from spreading by removing the spent flower heads before they can seed. (AP)

GARDENING

Try foolproof plants next season By Dean Fosdick

G

The Associated Press

ardening is a forgiving pursuit. Get it wrong one year, and you can start fresh again the next, wiser, with lessons learned. Study up between planting seasons. Scan the seed catalogs for foolproof plants that anyone with the blackest of thumbs can grow. “Start small,” said Claire Watson, Wave brand manager for Ball Horticultural Co. in West Chicago, Ill. “Whether it’s a vegetable garden or flowers, don’t give in to taking on too much, too soon. A few small successes will give you the confidence to expand — or at least you’ll realize your limits.” Learn the rules of the row. “The right plant for the right place” may be a gardening cliche, but it’s an accurate one. So, too, is the caution, “Know your (USDA plant hardiness) zone.” “Like humans, plants will perish without water and food,” Watson said. “So plants that can survive the stress of missing a few waterings, or can withstand poor soils and extreme weather, are the ones to look for.” Some proven low-maintenance

varieties include: Shrubs: hydrangea (paniculata “Levana”), spiraea (japonica “Norman”) and butterfly bush (Buddleia “Miss Molly”). Perennials: Coneflowers (“Cheyenne Sprit,” “Sombrero”), hosta (“Sun and Substance”) and black-eyed Susan (Rudbeckia fulgida “Goldsturm”). Bulbs, rhizomes and tubers: Canna lilies (“Whithelm Pride”) and daylilies (“Lilting Belle”) can endure a wide variety of challenging conditions. Annuals: Dragon Wing red begonia (full sun to full shade), zinnias (“Profusion” and “Zahara”), angelonia (“Serena,” which is deer- and rabbit-resistant) and Cool Wave pansies. “Plant them in the fall and they’ll bloom until the snow flies,” Watson said of the pansies. “Then, they’ll re-bloom to be your first pop of color in the spring.” Succulents and cacti: agave (Parryi truncata “Mescal”), sedum (Sarmentosum “Yellow Moss”) and yucca (Hesperaloe parviflora “Texas Red”). Vegetables: Malibar spinach and okra (Clemson “Spineless” for heat tolerance); Brussels sprouts, garlic, leeks and parsnips for cold

People new to gardening can increase their odds for success by shopping for easy-to-grow plants such as peppers. Choose the right plants for the right place and then get them in the ground at the right time.

hardiness. “Those veggies are so cold-tolerant that they can be left in the garden and allowed to freeze outright,” said Robert Polomski, an extension consumer horticulturist with Clemson University. Herbs (rosemary), lettuce, beans and peppers also are forgiving. Indoor plants: The aptly named cast-iron plant (Aspidistra elatior)

and Grape ivy (Cissus rhombifolia) display striking foliage. The easy-care wax plant (Hoya carnosa “Variegata”) produces attractive flowers. “I’ve accidentally allowed these plants to experience extended drought periods and they’ve always come back for me,” Polomski said. Annuals get a modest nod over perennials for being easier to grow, Polomski said in an email. “Obviously, it depends upon species and cultivars,” he said, “but I’d lean toward annuals. They typically grow rapidly and begin flowering in a short time.” A similar case can be made for seedlings over seeds, Polomski said. “With transplants, you skip the process of germination and emergence, which can be fraught with difficulties. Nevertheless, you will pay more for transplants and not have the satisfaction of starting with seeds.” Many of these plants are like athletes at a training table. They need a robust diet to perform at their best, especially the annuals. “Applying feed every 10 to 14 days according to the plant food label will really boost your bloom power and keep plants from getting stressed,” Watson said.

HOUSE OF THE WEEK

Amazing use of 1,335 square feet of space ePlans.com

Here’s an amazing 1,335-square-foot plan, HOTW130039, with fabulous indoor/outdoor connections. Inside, the layout features three bedrooms, three full baths, a large kitchen/great room (that opens completely to the central courtyard) and a detached two-car garage. Use the detached bedroom suite for almost anything: office, room for live-in relative or caregiver, or even an artist’s retreat. The spacious and open design can be sited to maximize passive daylighting. The fireplace in the master suite (plus a ribbon fireplace on the breezeway) provides a luxurious touch. DETAILS

Bedrooms: 3 Baths: 3

FLOOR PLAN

Total living area: 1,335 square feet Dimensions: 60 feet 4 inches by 81 feet Foundation option: Slab ORDER THIS PLAN

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 our 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.

Sleek lines and mixed materials make plan HOTW130039 an exceptionally fun, modern exterior. A detached guest suite is an almost unheard-of luxury in a home this size. See more images of the plan online at ePlans.com/HouseOfTheWeek. (Courtesy/ePlans.com)


G2 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Homes “It’s OK to bust out the old red and green. Just change it up somehow to make it more exciting.” BRIAN PATRICK FLYNN, AN INTERIOR DESIGNER AND EXECUTIVE PRODUCER OF HGTV.COM’S “HOLIDAY HOUSE.

Little trees don’t have to look like Charlie Brown’s By Adrian Higgins

The Washington Post

Brian Patrick Flynn, a designer for HGTV.com, used swatches of mens’ shirt fabrics to create this holiday garland that also serves as an advent calendar. Use it to bring color and holiday style to a staircase and tuck tiny gifts inside. (AP)

Change it up for the holidays By Melissa Rayworth The Associated Press

T

he holiday season is synonymous with tradition. But that doesn’t mean you have to fill your home with the same holiday decorations in the same color scheme every year. “Until four years ago, I was Scrooge-y when it came to holiday decorating — a result of seeing the same old thing over and over again,” said Brian Patrick Flynn, a Los Angeles-based interior designer and executive producer of HGTV.com’s “Holiday House.” But after finding ways to “reinvent the look and feel of Christmas for my own home,” Flynn said he “rediscovered how much fun seasonal styling can be when you make it your own.” Here, he and two other design experts — Jon Call of Mr. Call Designs and Betsy Burnham, of Burnham Design — offer suggestions on shaking up holiday decorating. SUPER STOCKINGS

Call’s family takes a creative approach to Christmas stockings: On the night before Christmas Eve, they make new stockings by sewing together large pieces of felt (inexpensive at any craft store) using a simple blanket stitch. “We let our imaginations fly when it comes to decorating the outsides, and top off each one with our name and the year,” he said. “Making these stockings gives us all something to do the night before Christmas (Eve), and we share memories and laughter along the way.” TERRIFIC TREES

A Christmas tree doesn’t have to stay parked in one place. Flynn recommends putting a small tree on wheels (maybe in a vintage metal wagon or an old metal washtub with casters on the bottom) so you can change its location when you’re entertaining to create space or to bring extra holiday style to

Flynn uses a vintage metal wagon as a tree stand, so that this piece of holiday decor easily can be moved to any room where guests are congregating. (AP)

a different room. Another option is ditching red and green tree decorations for an understated color palette. “This year, I created a tone-on-tone tree, using all shades of light gray,” Flynn said. “To do this right, it’s all about having a balance of texture, finish, shape, scale and proportion.” Try a white tree if you’ll be using light colors and neutrals, or a green tree with decorations in earth tones. To shake up your tree’s decorations, Call suggested going with a theme. “Last year, for a client, I indulged in masses of vintage mercury-glass ornaments of all sizes and shapes. Silver was literally dripping off the tree. It was spectacular,” he said. “This year, we are changing it up a bit and creating a completely edible tree, including childhood favorites such as homemade popcorn balls, small sacks of chocolates tied with a ribbon and hung from the branches, and pungent gingerbread.” NO TREE AT ALL

If you have minimal space, Call said you can skip the tree altogether without losing any holiday cheer. Instead, cluster together a bunch of white poinsettias. They set a holiday tone in a fresh way, he said, and in a large group look “almost like snowfall.” Or, create your own “tree” out of branches: “In my kitchen, I love to fill a large galvanized pot with armfuls of branches full of red berries,” Call said. “As the season progresses, I simply clip incoming cards to the arrangement so that everyone can enjoy. It’s become a tradition over the years, and everyone loves to come and check out my ‘family tree.’” For a creative twist on a traditional Christmas tree, Flynn used a muted color palette of white, cream, gray and tan for a fresh look that is understated and elegant. (AP)

FOCUS ON UNEXPECTED PLACES

Christmas doesn’t just happen in your living room. Flynn suggested adding a tiny tree to any space, even a breakfast nook. To spice up a staircase, he created a

garland out of “old men’s flannel and denim shirts cut and stitched” into pennant squares with tiny pockets. Strung together, they create a colorful advent calendar (mark all 25 days with sew-on varsity letters). Each one can hold a tiny gift and “add life and activity to an otherwise humdrum space.” And for a new twist on outdoor decorating, Burnham suggested investing in a decorating service to string your outdoor trees with white lights. “I don’t mean drape lights over branches. I mean really wrap the trunk and every branch,” she said. She had this done at her Los Angeles home several years ago and is still impressed with the look. “It is the most spectacular thing when I light the trees up at night, and it’s something I would have never been able to do myself,” she said. “The lights haven’t needed changing or redoing, and it’s been a couple of years now.” MAKE IT ALL ABOUT THE MANTEL

“One of the most searched-for terms on HGTV.com is ‘mantel decorating,’” Flynn said. For homes with a flat-panel TV mounted above the mantel, he has a high-tech idea: Burn images to DVD that coordinate with the accessories you lay out on your mantel, then let the DVD run during holiday entertaining. For one project, Flynn displayed colorful pop art images (including a reindeer by artist Jonathan Fenske) on the TV, then put colorful items such as candy in apothecary jars and brightly colored ornaments on the mantel “to make it all pop.” Call agreed there’s no need to hold back with color: “The holidays are a time for indulgence, and that always means color to me,” he said. “Commit to a color scheme and go for broke!” Tradition definitely has its place. But it can co-exist with bursts of creativity and playfulness. “It’s OK to bust out the old red and green,” Flynn said. “Just change it up somehow to make it more exciting.”

I like Christmas trees; I like real, cut Christmas trees. I like their piney smell and their blue waxiness and the way they feel in your hand. I like the way you have to look after them for three or four weeks, and I like the way they make the holiday season seem a little special in a world that is fractious and in the thrall of money. The whole Christmas thing is a balancing act between joyful celebration and excessive consumption, and I would think if you lived in the ersatz palace we call a McMansion, the need to find a tree tall enough to fill the inner void would be vexing. Or maybe not. The Christmas tree is generally viewed as a German invention that caught on in the 1840s when Queen Victoria and her German husband, Prince Albert, gathered their family around a resplendent tree. The scene was depicted in the Illustrated London News. Readers saw a six-foot fir tree, decked out in ornaments that would be familiar to us today, as well as the little candles, the wax tapers, that illuminated trees before the age of electricity and string lights. Even this regal tree was not as splendid as the ones we take for granted today. Our trees, which are farmed in upland fields, develop into handsome, bushy pyramids through summertime trimming. The very finest trees of the Dickensian age were scrawnier, but the more interesting point about Queen Victoria’s festive conifer is that it was shown sitting on a table. Tabletop trees — both real and artificial — are as popular as ever. They are smaller, more manageable and cheaper than freestanding ones. These attributes make them the go-to tree for singles in apartments, young couples watching their pennies, empty-nesters, people fleeing the city for the holiday and, in general, people who want to tap into the joy of the Christmas tree without going overboard. I am still partial to a seven-foot Fraser fir, reaching for the ceiling, but I see the allure of downsizing. If you go to a garden center at this time of year, you might see young conifers in red pots that evoke the small Christmas tree. Though fes-

Tabletop Christmas trees can be as simple or as ornate as you make them, but their key appeal is they are smaller, cheaper and more manageable than freestanding ones. (MLive.com file)

tive, they will despise being kept indoors, where it is too warm, too dry and too dark for plants that are yearning for winter dormancy. They would like it on the front stoop, or an entrance terrace. The other problem is that they might not work as a garden plant, if you want to keep them. One common variety, the dwarf Alberta spruce, dislikes heat and humidity and tends to grow ragged from mite infestation. Another, the Colorado blue spruce, can become, in size and presence, too prominent a landscape feature. The tabletop tree seems the most virtuous: festive, demure, fragrant and honestly temporary. I wandered into Johnson’s Florist and Garden Center in Washington, D.C., the other day and found three-to fourfoot Fraser firs for about $30. You still have to treat them as cut trees, placed in a water-holding tree stand, to prevent them from drying, dropping needles and becoming fire hazards. If that is too much to ask, artificial tabletops are available. At the Christmas Attic, a year-round yuletide shop in Old Town Alexandria, Va., the popularity of tabletop trees is measured not just in the trees themselves but also in the diminutive baubles they need. Owner Cheri Hennessy sells artificial trees ranging in height from 18 inches to four feet. The latter can take full-size decorations, but anything smaller will demand the scaled-down ornament. The tabletop tree “is fun; it’s cute,” she said. “Less of an emotional commitment.”

Watering key to caring for a cut Christmas tree By Adrian Higgins

time to install and decorate it — but monitor the water Cut Christmas trees level. If you are storing in, must be watered and kept say, an unheated porch or hydrated to last through the garage, make sure it won’t holidays and to prevent them tip or blow over. The tree is from becoming fire hazards. thirstiest when first cut and This includes small tabletop will absorb several quarts trees. of water in its first day or Many trees are shipped two. Keep a close eye on the from as far as Oregon. water level and don’t let it Buying early will give you drop below the cut, which better selection and a fresher will gum up if it dries. tree. Before buying, run your When taking it indoors, hands through the needles to make a fresh cut. Place the check for suppleness. Hold tree away from fireplaces the tree upright and drop it and heat registers and away from a few inches. Excessive from doors. Make sure your needle drop is a sign of drytree stand is big enough for ness. the tree, both for stability Before installing, you will and amount of water storage. need to remove some of the Additives to the water are lowest branches and trim not necessary, but the level an inch off the bottom of the should be checked daily and trunk. Make a square cut, not topped off as needed — use an angled one. Tree lot mer- your finger to check the chants will do this for you, water level. but it is better to do this at home. You will need gloves, a bow saw for the trunk and Ç GO ONLINE Additional tips can be lopping shears to remove the found at the website of the branches. National Christmas Tree It’s OK to leave the tree Association: in a bucket of water for realchristmastrees.org several days until you have The Washington Post


SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE / G3

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Real Estate

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Need more information on one of these homes? Simply go to

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.

BUSINESS

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zip code, city, or MLS#

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3021 Whittier MLS # 13042166 Bedrooms: 3 Baths: 2 $119,900

and Click Here.

Enter the MLS# from the ad here.

View additional photos See more home features View available virtual tours Show home on an interactive map Get turn-by-turn directions Contact the broker/agent See more listings from the agent Email the listing to a friend Get School District Information

Preview Online at: www.virtualtour64.com The home is in EXCELLENT Condition! Ready to move in! 3 bedrooms 2 baths. New appliances in Kitchen are negotiable. The basement Rec room is awesome and with Egress window in full bath you could add a 4th bedroom there. The upstairs bedroom is really large Central Air. Over sized 2 car garage with workshop area.

Shauna N Knight-Major

REDUCED PRICE!! Trophy Awards Promotional Products Business - Will help buyer learn business.

Established for 35 years in Kalamazoo. Includes website. Owner retiring. (269) 329-1115

269-352-2334

SP43887

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7127 South Westnedge Ave, Ste.#2 Portage, MI 49002

FARM ACREAGE

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TOO NEW FOR PHOTO

HOMES Dennis Field (269) 217-2779

OPEN HOUSE SUNDAY 12:30-2:00 PM ~ Move in ready newer home built in 2003. This 3 bedrooms 1.5 bath home has a lot to offer located in Alamo, with low taxes, this full finished walkout basement sits on a large lot in a desirable location, close to Kalamazoo, Plainwell and GR, easy access to 131,but feels like in the country. Master bedroom features walk in closet.

Galesburg

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10613 E H Ave MLS # 13046548 Bedrooms: 4 Baths: 2 $295,000

Prudential Preferred Realtors

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BY APPOINTMENT. Centennial horse farm situated on 35 acres! Home has been redone with a later addition to the front, 4 beds, 2 baths, huge country kitchen. Three car attached garage, two pole barns. Possible splits - motivated seller! One year Home Warranty provided!

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5839 Oakland Dr.,

An independently owned and operated member of Prudential Real Estate Affiliates, Inc.

5840 Stratford Dr MLS # 13065324 Bedrooms: 3 Baths: 1 $82,900

SHOWN BY APPOINTMENT. Very nice home. Open floorplan cathedral ceilings. Good sized bedrooms. Fenced backyard. Pretty hardwood floors, newly refinished. New kitchen appliances. Attached 2+ car garage. Buy now and move-in before the holidays!

BY APPOINTMENT

WANTED TO BUY I BUY HOUSES Any condition, TOP CASH OFFER! Ken at 269-217-1123

NEW CONSTRUCTION

Richland

Mattawan

7977 Interlochen MLS # 13065837 Bedrooms: 4 TOO NEW FOR PHOTO Baths: 3 $320,000

By Appt. Great opportunity in desirable Crooked Lake Cove subdivision at a modest price! New construction-available Jan. 31, 2014. This 5 star energy home with traditional floor plan offers 2300 sq ft, 4 Bedrooms & 2 1/2 Baths, 3 car garage. Attractive shake and liniar siding with stone accent, wood flooring in foyer, Formal Dining and Kitchen; tile in laundry.

7690 North 41st St MLS # 13052106 Bedrooms: 3 Baths: 2 $139,900

SHOWN BY APPOINTMENT. Nearly an acre. Pole barn(24x40)insulated. Richland-Gull Lake Schools. Finished basement has fireplace and pool table. Nice floorplan: Extra large living room w/fireplace. Dining room. Nice modern kitchen has a built-in Jenn-Air Range. Extra cupboards. Nice master bedroom has a walk in closet and a private 1/2 bath.

Kalamazoo

Portage

7617 Ravenswood Dr. MLS # 13053643 Bedrooms: 4 Baths: 4 $229,900

By Appt. Charming 2story w/o w/loads of appeal on a nicely wooded lot w/ deer, turkey, ect. & walking distance to school. Spacious 3600+sq ft, side garage. Slate entry, formal LR w/bay window, wood burning frpl, formal din rm w/bay window & sliders to sm deck. Inviting family rm with 2nd brick frpl (wood)& sliders to the screened porch w/tile floor. Updated ktchn.

Your sports. By all means.

5895 Waterpointe #3 MLS # 13068759 Bedrooms: 3 Baths: 4 $148,000

8075 Creekside, Portage

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M I L L W O O D - For sale 1901 Dorchester, 4 bdrm 2 full bath finished basement, private fenced back yard, appliances included, recently remodeled. $129,900. Call (269) 330-1675

6593 East H Ave MLS # 13057529 Bedrooms: 2 Baths: 1 $104,999

SHOWN BY APPOINTMENT. Beautiful refinished wood floors. Large living room has a Pretty Stone Fireplace. Nice sized bedrooms. Finished rec room with fireplace in basement. Nice, bright, freshly painted basement.

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G4 / KALAMAZOO GAZETTE / SUNDAY, DECEMBER 15, 2013

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

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KILGORE RD AREA- 3 bdrm duplex, bsmt, gar, C/A, $795. Converse Mgmt 343-7750 PARCHMENT SCH - 3 bdrm homes available. $675-750. Converse Mgmt 343-7750

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

PORTAGE2 bdrm, 1 bath, PORTAGE - Cute, remodeled 3 ranch style apartment. Near bdrm., 2.5 car garage, fenced Crossroads Mall, single level, yard, air, dishwasher & more! full bsmt, includes washer & $825/mo. Call (269) 207-4716 dryer, nice well lit kitchen with walk-out patio, - Duplex - 3 $655/mo. + utilities. Well WASHINGTON maintained, great cond. No bedroom, 1 bath $590+ uitls. South of downtown off Portpets, Call (269) 207-3763 age Rd. Basement. AIM Corp PORTAGE - Central location, 269-344-5378 near Malls. Quiet wooded setting, 2 bdrm, $525 mo Unit remodeled, washer/dryer. No pets. Call 269-743-3632 P O R T A G E - Upper 2 bedrm w/free heat & carport. $495. Converse Mgmt 343-7750

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

Your job. By all means.

RIVERVIEW CO-OP

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

ROOMMATE WANTED KALAMAZOO - Looking for Small Apartment, furnished. Willing to share a common area. Call (269) 779-8344

SENIOR

GIVE YOURSELF THE GIFT THAT KEEPS GIVING

Move into a sharp 2 bedroom, 2 bath 1,440 sq. ft. home with: * An enclosed front porch * Nice entrance area * Large living room * Dining area * Refrigerator, range * Washer, dryer * Central air * Single car garage * Large outdoor deck * Extra storage room

$675 A MONTH 269-743-1547 Country Acres on Barney Rd. 55+ Community

CHEROKEE WESTLAWN APTS Retirement Community Rents starting at $565. 349-4596

CONDOS & TOWNHOMES KALAMAZOOClassy condo for lease or slae! Oakwood shopping area, overlooking Woods Lake. Updated 2 bdrm, 2 bth, + office. Marble counters & fireplace. Hardwood floors + tile + carpets + other features. 269-370-3962

Your truck. By all means.

MARTIN AREA - 3 bdrm, 2 baths on 101 acres, very private, $500/mo. 269.903.5277

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

DUPLEX PORTAGE DUPLEX - 2 bdrm, laundry hook up, $680/mo.+ dep, util. 269-350-1409.

HOMES UNFURNISHED

CHERRY KNOLL CONDO - 2 CAMBRIDGE AVE - 1 bdrm, bdrm, laundry, C/A, private $475, incl. heat & water, laun- courtyard, gar. $725. dry, quiet, non smoking. Call Converse Mgmt 343-7750" (269) 720-0989. EAST SIDE - Cute remodeled, 2 bdrm., garage, laundry, CHESTNUT HILLS -Stadium fenced yard, quiet street. Dr. Starting at $530 372-1088 $650/mo. (269) 353-8115 www.chestnuthillsapts.com E A S T W O O D - 2 bdrm w/garage. $650. Converse COMSTOCK TOWER - 55 & Mgmt 343-7750 older. Handicap access. 381LAKE SCHOOLS ~ 5888 TDD 800-649-3777 EHO GULL Geiser Grove; 2 story; 3 bdrm, C O M S T O C K - Upper 2 bedrm 2 bath; 2 car gar; Lrg Kitchen; w/free heat and air. $495. fenced yard; community pool; full basement; pet nego; Avail Converse Mgmt 343-7750 immed; $1500 + utils. Contact DOUGLAS - Near Ravine, Jaqua Realtors Rental Div @ clean bright 1 bedroom, 1 269-226-2996 or view online bath on main floor, W&D @ www.jaquarealtors.com. $490 Includes Utils. AIM Corp GULL LAKE SCHOOLS ~ 269-344-5378. Idlewild; Lakefront; FurnishE A S T W O O D - Upper 2 bedrm ed; 3 bedroom, 2 bath; Brick w/free heat, air, site laundry. Ranch; 2 car gar; Avail2 $550. Converse Mgmt 343- weeks after approved application; $2500 + utils. Contact 7750 Jaqua Realtors Rental Div @ GULL RD AREA - Main level 2 269-226-2996 or view online bedrm w/free heat. $510. @ www.jaquarealtors.com. Converse Mgmt 343-7750 KALAMAZOO CTY SE Country setting, wood/gas GULL VIEW heat, $600/mo. plus util and APARTMENTS 2 bdrm, $560/mo, no pets, dep. Call (269) 689-2265

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

FOX RIDGE A PA R T M E N T S

KA LA M A ZO O - For rent 1901 HOMECREST - Milwood area, Dorchester, 4 bdrm 2 full bath 1 bedroom, 1 bath $455 + ele. mature area. pets ok, private Heat Included, A/C, Coin laun- fenced back yard, appliances included, immediate availabildry. AIM Corp 269-344-5378 ity, $1,300. (269) 330-1675

KENSINGTON PLACE SCHOOLS ~ • Renovated 1 & 2 bedrm KALAMAZOO Bronson Blvd.; 4 bedroom, 1.5 • $485-$675/month bath; 2 Story; 3 car detached 269-345-5579 gar; basement; Avail immed;

LANE BLVD - Upper 2 bedrm w/free heat & carport. $495. Converse Mgmt 343-7750

$1750 + utils. Contact Jaqua Realtors Rental Div @ 269226-2996 or view online @ www.jaquarealtors.com.

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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 Rental Div @ 269-226-2996 or view @ Variety of floor plans on 1 & 2 online www.jaquarealtors.com. bdrms, 6 & 12 month leases • Stackable washer & dryer KALAMAZOO SCHOOLS ~ • Central Air Morgan; 4 bdrm, 1 bath; Cape • Secluded locations Cod; gar; bsmt; Avail • Extra large windows 01/05/14; $1000 + utils. Con• Carports • Cats welcome tact Jaqua Realtors Rental • Meticulous grounds • Pool Div @269-226-2996 or view 344-8686 online @ jaquarealtors.com jperrin@mwvanderveen.com

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KALAMAZOO SCHOOLS ~ N Kendall; 3 bedroom, 1 bath; Ranch; 2 car gar; Avail immed; $1,000 + utils. Contact Jaqua Realtors Rental Div @ 269-226-2996 or view online @ www.jaquarealtors.com.

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SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE / G5

Discover the Jaqua

Difference!

Southwest Michigan’s Premier Real Estate Company

Open 7 Days a Week Until 9 p.m.

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

$74,900 2514 Nora

$69,500

OPEN 12:30 PM-2:30 PM Homecrest east of Portage Rd to Nora, North to Home Perfectly designed 3 bedroom house, right in the heart of Milwood. Economy of design means very low utility bills, great for investors or single family. See this gem before its gone. 13058583 Hostess Tammy Graham, 269-808-3934

$64,900 2236 Hillsdale

$54,900

OPEN 3:00 PM-5:00 PM North of Mosel, take Westnedge to Edison. West about 2 blocks. Home on south side of street. NEW PRICE! Adorable & Move-in ready! Several upgrades including remodeled kitchen & bath. Full basement, nice hardwood floors, plaster walls, replacement windows, all appliances included, air-cond, 2 car garage. Stop by today! 13054287 Hostess Glory Hunt, 269-598-7547

OPEN 3:00 PM-5:00 PM Nichols to Alamo to Richland S to Hillsdale W to home Hard to find price range in the area’s most desirable neighborhood of Westwood. Comfortable floor plan welcomes you home. Numerous upgrades include roof,furnace, electrical,flooring & fresh pain.2 car garage. Terrific wooded setting provides for attractive curb appeal. 13062563 Hostess Jim Hess, 269-207-4135

WESTWOOD CONSTRUCTION

9868 Shepherd, Kalamazoo

Hostess Tammy Graham, 269-808-3934

• Main floor master • Over 4,316 square feet • Huge lot

Offered at: $469,000

Contact me to schedule an appointment or for more information:

Westwood Allen Louks,Construction REALTOR® 269.370.8555

| alouks@jaquarealtors.com

OPEN 12:30 PM-2:30 PM Gull Rd; 28th St S; Duncan W; Wild Meadow S Very nice home with a convenient location in quiet Kal Promise School of choice. Updated 3 Br Ranch, 1 Ba, new windows, furnace, water heater. All appliances included. Full basement 1 car garage. Extra deep fenced back yard. Great starter home! 13057363 Host Joe Licavoli, 269-720-4399

$109,900

OPEN 1:00 PM-3:00 PM Portage N. of Cork to Homecrest, W. to Norton to home An innovative floor plan on a low traffic street with plenty of square footage. Look out the generous windows on the multitudes of wildlife yet be in the middle of everything. A beautiful limestone fireplace to warm you. A light, bright laundry room with craft area. 13067174 Host Nate Hawthorne, 269-330-3243

$75,000

OPEN 12:30 PM-2:30 PM Cork St east of Portage Rd to Harvard, north to Cambridge Dr. The ultimate in Milwood neighborhood convenience. Gorgeous hardwood floors throughout this home. Two bedrooms, an updated bath, large kitchen, full basement. The walkup attic adds potential. 13062507 Hostess Julie Arney, 269-271-1507

OPEN 2:00 PM-4:00 PM S Westnedge To Pleasant W To Rivington, Rt To Home Great ranch home in South Kalamazoo in the charming Duke St. area. 3 bedrooms, kitchen with appliances and island, dining area, Family room with fireplace, 2 car garage. Main floor laundry. French doors lead to a nice patio and mature backyard. 13062707 Hostess SHARON COLLINS, 269-217-1392

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Over 3,700 sq. ft. of finished living space • • • •

7317 Olivia Rose Offered at: $434,900

• • • •

5 Bedrooms 4 1/2 Bathrooms Granite Counters in Kitchen Great Room with Stone Gas Fireplace Finished Daylight Basement Master Bedroom w/Tile Shower 3-Car Garage $5,000 Appliance Allowance

Call to schedule an appointment or for more information

Suzanne McPeek Jennifer Boehringer

Gorgeous new walkout in Texas Twp! HUGE Kitchen w/granite and island 5 bedrooms, 4.5 baths. 4,217 sq. ft. Gorgeous lot - approx. 1 acre

• $5000 BUYER BONUS for sale closed by December 10

• Home is in drywall stage • 5 bedrooms & 5 baths • Gourmet kitchen • Finished lower level walk out

L CANCE

$86,000 4118 Rivington St

MILWOOD

OPEN 3:30 PM-5:30 PM West Michigan ave west to Hazen, North to W North st, West to Home A Christmas gift for the whole family. Freshly painted inside and out with beautiful wood floors and a cozy fireplace. Stop in and see how easy home ownership could be. 13056292

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• Quality built new construction • Most selections still available

Directions: West on Centre to 3rd North to P Ave west to the Orchards North to home.

HIDDEN LAKE

OSHTEMO ARCADIA

MILWOOD PAW PAW

$89,000 1412 Cambridge Dr

Crooked Lake Covv e # 2

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

Condo

OPEN 12:00 PM-2:00 PM Stadium to 9th, N. to Bluestone. JUST LISTED! 1600 sq. ft., 6 yr.old ranch condo with a wooded view. Vaulted ceilings throughout, Kitchen w/appliances, dining area, living room w/FP, inviting sunroom, 2 bedrooms including master suite, main floor laundry, storage, 2 car garage, patio, pool, clubhouse w/workout room. 13067150 Hostess DAWN SPENCER, 217-1392

$114,329 616 Norton Dr

OPEN 12:30 PM-2:30 PM W Michigan to Weaver Step inside to the spacious living room that features hrdwd flrs,coved ceilings & an attractive stone fireplace. Good sized mstr BR highlights the 3 Brs. Main floor FR & extra half bath are an added bonus. Bsmt offers a nice office space and a rec/family room area. 13066901 Host Kevan Hess, 269-998-2482

Online Open Houses!

WESTWOOD

643 Edison

OPEN 2:00 PM-4:00 PM Portage Rd to Royce ave E. Charming Milwood cape cod on double lot. This home is in move in condition. Newer kitchen with large pantry. Beautiful hardwood floors. Spacious living room with fireplace. 2 lg size bedrooms with huge closets on 2nd level. Full basement with egress and plumbed for bathroom. 2 car gar. 13066900 Hostess Lisa Faber, 269-352-0330

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

12:30 PM–2:30 PM Your Hostess: Theresa Page 269.207.2416 Offered at: $494,900

Huntington Hills

ARGONDELIS BLDRS LLC

New Home

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

Resource!

Online Open House

OPEN TODAY

Directions: Q to 3rd north, L on P Ave, quick R into Huntington Hills, R on Terrier Trail

5464 Cypress Bay Drive

OPEN 12:00 PM-1:30 PM From West Main, South on Clarendon. LOWER PRICE: VERY NICE Westside Home located blocks away from WMU and K College. Alternative heating to reduce heating bills. Large living room w/ Cathedral ceilings. Remodeled kitchen and bath. Family room w/ sliding door to park like backyard with patio, fire pit and deck. 13031973 Host Mark Reisterer, 269-873-1156

OPEN 1:00 PM-3:00 PM Portage Rd, E on Dorchester Lovingly maintained & affordable 3 BD 2 BA home in popular Milwood with hardwood floors, fireplace in living room, full basement with lots of built-in storage, attached garage, enclosed porch, private, fenced rear yard w/ shed, close to highways, dining, schools, & parks. Kalamazoo Promise! 13060759 Hostess Ashley Sellers, 269-744-5182

OPEN 3:30 PM-5:30 PM East on I-94 to Exit 88. Make hard right at intersection, go under overpass. Left at yield sign. Spacious ranch walk-out on just over an acre! 3 bed, 2 bath features a remodeled kitchen w/new countertops & porcelain tile floor. FDR w/french doors leading to amazing LR w/hardwood floor, FP. Finished LL w/FR, rec room. 13062213 Hostess Julie Barton, 269-720-0170

$114,900 818 Weaver Ave

$94,900 217 West North St

MILWOOD

OPEN 12:30 PM-2:30 PM From Portage Rd. East on Southern to home. Milwood Charmer completely revamped with Pottery Barn feel throughout. Updated kitchen includes appliances. 3 large Bdr’s, 1 bath, formal living & dining. Plus family room with bar. Enjoy the private, fenced yard from the screened porch.Newer roof, furnace and all new windows. 13066781 Hostess Jodi VanderWeele-Noble, 269-377-8508

MILWOOD

K COLLEGE/ WESTERN MICHIGAN

205 Clarendon

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

$209,000

$153,900 12288 East Michigan Ave $150,000 4018 Wild Meadow St $147,900

OPEN 12:30 PM-2:30 PM Sprinkle Rd. north to D Ave., west to N. 24th, north Looking for a great home, acerage and privacy..look no further! Lovely 4 bed, 2.5 bath ranch walk-out on 3.3 acres. Spacious home w/master suite w/dual vanity, whirlpool tub, walk-in closet. Finished LL w/half bath. Above ground pool. 3 great outbuildings! 13051674 Hostess Julie Barton, 269-720-0170

$129,329 2035 Royce Ave

$104,900 2022 Dorchester Ave

MILWOOD

$109,500 1320 Southern Ave

OPEN 12:00 PM-1:30 PM From Portage road an I-94 north on Portage Road to Southern Ave East on Southern Fabulous Cape Cod features upgrades including granite counter tops. Spacious kitchen with remodeled breakfast nook overlooking the private back yard. Formal dining area & living room. The upper level currently utilized as a family room/possible 3rd bedroom. Lower level has unfinished rec room. 13029612 Host Fred Taber, 269-806-6829

NATURE CENTER AREA

$129,329 1359 Pinehurst Blvd

OPEN 12:30 PM-2:30 PM Nichols to Alamo to Pinehurst Superbly maintained Cape Cod in the heart of Westwood. Living rm has an abundance of natural light & is complemented nicely by the additional sun room. Newly finished basement offers 2nd full bath. Good sized mstr BR highlights the 3 Brs. Step out on to the back deck and enjoy this setting 13062481 Host Jim Hess, 269-207-4135

MILWOOD

1316 Southern Ave

OPEN 1:00 PM-3:00 PM Nichols to Hickory Nut or G Ave. East to Sweet Cherry, North to Home. FIRST OPEN HOUSE 12/15 1-3PM. Immediate possession on this immaculate Valleywood home! Open floor plan with 3 beds, 3 bths. Granite counters in Kitchen, Main floor Laundry. Walk-out ranch to fenced backyard. Brand new Deck off DR. JOIN ME! 13066921 Hostess Maureen Latora, 269-806--6138

Condo

OPEN 3:00 PM-5:00 PM I-94 to 9th St north to Stonehenge (between Stadium and KL). 2010 Parade home with amazing upgrades. Oversized great room with warm fireplace. Large gourmet kitchen includes granite, breakfast bar & dining area. Large den with french doors can be used as office/guest room. The oversized master has a beautiful bath & large walk-in closets. 13068400 Hostess Suzanne Scott, 269-806-6410

GALESBURG

VALLEYWOOD

OTSEGO OPEN 1:00 PM-3:00 PM US 131 to Otsego exit west to Brookside. South to Lawrence. West to Kay. South to home. Beautifully maintained 3 br/1.5 bath brick ranch on a large lot with fenced in back yard and mature trees. Remodeled bath and kitchen, main floor laundry and full basement ready to be finished. Close to schools and shopping 13050480 Host Mark Colman, 269-35-23708

$154,900 8948 North 24th

WESTWOOD

$139,900 1406 Pinehurst Blvd WESTWOOD

987 Kay

Condo

OPEN 3:00 PM-5:00 PM 9th St, S. of I-94 to O Avenue to Wood Valley Spacious, well maintained ranch walkout condominium with 3 bedrooms and 3 full baths, kitchen with appliances, MFL, dining area, living room with slider to a deck, fabulous family room w/FP flanked by built-in bookcases and slider to patio, office,hobby room, 2 car garage. 13053980 Hostess DAWN SPENCER, 269-217-1392

OPEN 12:00 PM-2:00 PM From Broadway to Superior east to Le Grange. On the corner of Superior and Le Grange. Victorian Home has it all. Corner location with a large fenced back yard.2 plus bedrooms, including 900’on 3rd floor. Updated kitchen with tile counters gives a warm southwest touch. Hardwood floors throughout most of the home. Newer roof & furnace have been updated. 13061546 Hostess Tina Goodrich, 269-759-1076

RICHLAND TOWNSHIP

$162,500 4939 Sweet Cherry

MATTAWAN

$199,500 5958 Wood Valley

$224,900 2649 Bluestone Cir OSHTEMO

OPEN 3:00 PM-5:00 PM W Main Lodge Ln to Horizon Hts E to Woodlane Beautifully updated ranch in a spectacular setting. Spacious great room features abundance of natural light, vaulted ceilings & a very attractive brick fireplace. Spacious mstr BR suite highlights the BRs.ower level walkout offers a large living room, rec room & 2nd full bath 13059800 Hostess Sue Kloth, 269-207-6392

$229,000 2641 Bluestone

L CANCE

OPEN 12:30 PM-2:30 PM Gull Rd; 27th St N; Hidden Lk Cir E; Walden Pk Ln S; Bethany N STUNNING former Parade Home, over 4,300 fin sf, boasting FDR, FLR, 5 BRs 3.5 Baths, Granite Kitchen w/center island, double ovens, separate eating area, architectural columns separate the FR w/gas fireplace. Lovely finishes in LL Rec Room, exercise area. 13049002 Hostess Mary Licavoli, 269-377-5047

COUNTRY ESTATES

COUNTRY CLUB VILLAGE

OPEN 3:30 PM-5:30 PM Kilgore E. of Oakland to Sunset, N. New Price. This expansive ranch has room to roam on the inside and out. A low traffic street and wooded lot make you feel as if you are miles away and yet your are in the middle of everything. Part ownership in a 7.2 acre land preserve with lake access is included. Updates and pool. 13059131 Host Nate Hawthorne, 269-330-3243

OPEN 12:30 PM-2:30 PM Red Arrow to CR 652 N. to Silver Oaks E. to Churchill. Lovely home in a quiet, Mattawan neighborhood. Half acre lot! Great room w/ gas FP & lots of natural light! Light and bright kitchen w/snack bar & large dining area. FDR, 1/2 bath, MF laundry. 4 BRs, 2.5 baths. Master has jetted tub shower. Play set, storage shed 13049132 Hostess Pam Lombard, 269-806-8035

$249,900 460 Lagrange

OPEN 2:00 PM-4:00 PM Q Ave,L Boyne,R Petoskey,R Presque Isle.Popular floor plan offers 4 spacious bedrooms & 2.5 baths. Grand 2-story entry with wood floors throughout. Great room offers a beautiful fireplace & opens to large eat in kitchen granite counter tops, snack bar and built-in desk. Upper level features a luxurious master suite. Finished daylight basement features a rec room, & full bathroom.5th bedroom could be added. 3 car garage, $2500 appliance package, sprinkler system also included! 13063881 Hostess Jennifer Boehringer, 269-341-1699

$324,500

MILWOOD

BRONSON BLVD AREA

OPEN 12:30 PM-2:30 PM Center turns into Q Ave, take to home. Beautiful home located on the cove of Crooked Lake. The kitchen has beautiful granite w/ breakfast bar & separate dining. The living room has a corner fireplace. There are 2 bedrooms on the main floor; lower level has large laundry room that includes a bathroom that is convenient for the lake lifestyle. 13062099 Hostess Suzanne Scott, 268-806-6410

$339,000 6293 Bethany Cir

SOUTH KALAMAZOO

$285,000 25 Woodlane Dr

OPEN 12:30 PM-2:30 PM M-43, N on 29th St.,E. on 27 1/2,N on 28, W on South Shore Completely remodeled home with 75 feet of sandy beach front on all sports North Lake offer great boating and fishing, amazing setting, new kitchen, baths, drywall, landscaping, 224 sq.ft of dock included, 3 person sauna,all furnishing negotiable.13067262 Hostess Kathy Smith, 269-998-2793

SOUTH HAVEN

$289,900 4308 Sunset Dr

49641 Churchill St

$375,000 7941 Presque Isle Dr TEXAS TOWNSHIP

Condo

OPEN 1:00 PM-2:00 PM Centre to S on Oakland Dr; W on new entry after Oakland Hills across from Katie Ct; to Selly Oak Lane Impeccable one year 201CNEW 201D custom ranch walk-out condo; desired Oakland Hills, Portage. Top of the line everything: granite, hardwood, ceramic, stainless. Lovely views of ponds & park-like setting on peaceful cul-de-sac. 13066239 Hostess Peg Kolaja, 269-352-6843

TEXAS TWP

8060 West Q Ave

OPEN 3:00 PM-5:00 PM West on M-43 (8 miles) to 29th , North on 29th then 2 miles to Northern Bluff go East2.3 Beautiful acres, 100’ of beach frontage and an incredible finished walkout ranch on North Lake. This 5 BR 3.5 bath home and large bedrooms, 2 fireplaces, main floor laundry, additional 36x26 garage. 13056081 Hostess Kathy Smith, 269-998-2793

TEXAS TOWNSHIP

OPEN 2:00 PM-4:00 PM 131 to West D Avenue on the right Christmas card perfect! Lovingly restored & maintained 1866 Italianate. Modern living w/original details. Lg gourmet kit w/farm table space. Tall ceilings, wood floors, 2 upper level full baths, 4th BR w/walk-in storage. Amish barn w/ 1/2 bath & furnace/AC. This is a treasure! 13021438 Hostess Audrey DeVault, 269-207-6411

$379,900 27858 S Shore Dr

CONDO

GOBLES

$429,000 2284 Selly Oak Ln

GOBLES

$450,000 28347 Northern Bluff

6 ACRES

9286 West D Ave

Open Today:

1:00 pm to 3:00 pm Your Hostess:

Kim Anderson &'(!$"&)# %$(

269.823.4404 kanderson@jaquarealtors.com

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

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 15, 2013

Prudential Preferred REALTORS® Kalamazoo - Stadium Kalamazoo - W Michigan Portage - Oakland Plainwell/Otsego Richland/Gull Lake Battle Creek Three Rivers South Haven Marshall Colon (269) 342-5600 (269) 342-5600 (269) 344-8599 (269) 685-3686 (269) 629-7653 (269) 565-3311 (269) 273-8185 (269) 639-9998 (269) 789-0140 (269) 432-3430 GULL LAKE SCHOOLS $433,000 KALAMAZOO SCHOOLS $429,000 WINCHELL CLASSIC $399,900 KALAMAZOO SCHOOLS $379,900 KALAMAZOO SCHOOLS $349,900 PORTAGE SCHOOLS $229,900 STELLAR PORTAGE HOME $217,500 MOTIVATED SELLER $204,900 • Amazing custom qlty home, walkout • Winchell Tudor 1st Time on MRT 65yr • Exquisitely remodeled throughout! • 3000+ sq ft brick ranch • Contemp. Wlkout on prvt wooded lot • New Kitchen Wood Floors Vltd Clng • LR w/20’ Ceiling, Wood Flrs, Gas FP • 4 Beds 3 Baths Master Suite • Over 3100 sqft fin 4 bds + bonus rm • 5000+ SF 5Beds 4.5Baths .90 Acres • 4 BR 3.5 Baths 3500 sf 3 car garage • 3 Bdrm 2.5 bath, hardwoods, granite • Over 3500sqft fin/4 BD 4 Full Baths • 3 BR 3.5 BA on golf course • 4 BR, 2 Full/2Half BA, 2520 sqft • 2 Sets of Washers and Dryers

10856 Silver Maple 12:00-2:00 2206 Sheffield 1:00-2:30 2133 Benjamin Ave 1:00-2:30 3703 Bronson Blvd 1:00-2:30 7131 Glade Trail 1:30-3:00 7498 Muirfield Drive 3:30-5:00 5736 Tradewind Drive 1:00-3:00 3002 Applelane 2:00-4:00 W on New M89 Const. N on Elm Grove to Crab OaklandNew and Winchell Oakland north of Winchell to Oakland to Const. Kilgore, left on Bronson 8th Street At theNew corner of Moorsbridge & From Milham West Const. to Broadway, South to Applelane, Const.W on Winchell then New Const. New Newbetween Const. Texas Corners Const. New&Oakland Const.W on Milham N on Old WInchellNew Apple to Silver Maple St. North on Sheffield 1.5 miles to home on Left Benjamin, West to Home Blvd and KVCC to Glade Tr. Muirfield Mission, E on Beacon Harbor, N on Tradewind West to End Brenda Curtenius, 598-5929 13058025 Nancy Anderson, 267-7855 13058494 Stephanie Sherriff, 491-6761 13052664 Shelly Misak, 269-503-4249 13049086 Carol Novak, 998-9386. 13058070 Jennifer Dunlap, 271-2222 13062911 Austin Spieth, 517-398-5607 13062889 Lisa Roellchen, 269-910-4592 13067341

COMSTOCK SCHOOLS $159,900 CLIMAX-SCOTTS SCHOOLS $159,900 PAW PAW SCHOOLS $139,900 KALAMAZOO SCHOOLS $134,900 PAW PAW SCHOOLS $133,900 PARCHMENT SCHOOLS $129,900 KALAMAZOO SCHOOLS $129,900 4 BD RANCH PORTAGE $129,900 • Very special walkout ranch on 1/2 a • 1400 sqft; 3bd/2 bth • Updated Move in Ready Tri-Level • Completely Updated • 4BR, 2BA, 1.42 Acres, 1608 sq ft • 3 bdrm 2 full baths • New listing, shows excellent • Pavilion Taxes Portage Schools • Exceptional cond 3 BR 2 BA • 1.5 acres! • Set on 2.3acres w/prvt stocked pond • 3 Large Bdrms 2 Full Baths Fin bsmt • MnFlr Laundry, Kitchen appl incl • 1.41 Acres • 3 bdrms, 2 baths, fin bsmt • 4 bedroom Garden near half an acre

6118 E H Ave 1:00-3:00 7954 S 40Th 2:00-3:00 41372 CR 653 2:00-3:00 1110 Homecrest 3:00-4:30 41338 CR 652 12:00-2:00 3731 Brenda Lane 1:00-3:00 220 Whitcomb 1:00-2:30 5182 Graham 3:00-5:00 From I-94, 66, north approx 2 3/4 G ave W of Sprinkle From New Sprinkle & Gull Rd; Go South; I-94 exitNew 85, RConst. on 35th., L on MN, R on 36th, From New Almena Dr & CR 653, N on From New Cork Const. & Portage, N on PorWestnedge S on S 24th, E on Const. Const. Newexit Const. New Const.to Mt. Olivet, N on From New Const.& Whites Road, N E on Centre, New Const. miles to Almena Rd, then west 1/2 mile. Mt. Olivet to Pinto , R on Pinto to home on Westnedge, E on Whitcomb First Light is H Ave, E to home! L on O Av, R on 38th, L on P, R on 40th CR 653 tage, E on Homecrest Graham 13038225 Mike Edison, 377-7375 13067712 Todd Bradfield, 488-5355 13055234 Wendi Nahikian, 269-317-1224 13053465 Brenda Kimberly, 269-488-0129 13064425 Terena Hinton, 269 532-8948 13044575 Wendi Nahikian, 269-317-1224 13057117 Steve Henry, 720-7672 Doug Sipsma, 998-5112 KALAMAZOO SCHOOLS $126,000 REDUCED/SCHOOLCRAFT $121,800 KALAMAZOO SCHOOLS $116,900 KALAMAZOO SCHOOLS $110,000 PORTAGE SCHOOLS $107,500 • 4 Bdrm 1.5 bath w hdwd floors in bd • 1.6 ac, updated 3 bed, 2 bath ranch • 3 bed 1.5 bath 2 story on dead end • Winchell Immaculate 3 Bed • 3 bedrooms, 1.5 baths, 1500+ finsf • Fncd backyrd unfin bsmt appl incl • Master ste, fin bsmt, main flr laun • Full bsmt, garage, bfl landscap • Private yard w/deck 2 car garage • Updated windows,furnace,fenced back

13055850

Prudential Preferred REALTORS has teamed up with Lake Michigan Credit Union to help you finance these properties. (269) 978-6120 LMCU.org/Mortgage

3623 Lancaster

2:00-3:30 9192 W. XY Ave

3:00-4:30 2616 Outlook St

1:30-3:30 2604 Wellington Road

12:30-2:00 6219 Peachtree St

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KL aveNew east to Lancaster North to home US 131 south of Schoolcraft to XY From New Westnedge From New Oakland Dr, W on Winchell, S MihamNew Rd west of Westnedge to Const. New Const. Const.to east on EdConst. Const. on left. Ave, west to home gemoor to south on Outlook on Broadway, W on Wellington Peachtree, south to home 13048410 13062942 13057467 13050952 13053413 Maureen Kelly, 269-547-0259 Jane Putt, 207-7266 Shean Dearman, 217-9941 Jennifer Fernandez, 488-3849 Nate Losiewski, 352-1277

Lake Michigan Credit Union, N.A. and the other business/organization mentioned in this advertisement are not affiliated; each company is independently responsible for the products and services it offers. Lake Michigan Credit Union, N.A., NCUA Insured Equal Housing lender 2012 Lake Michigan Credit Union. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

© 2013 BRER Affiliates LLC. An independently owned and operated broker member of BRER Affiliates LLC. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.

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Entertainment

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SECTION

SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

THINGS TO DO OR SEE TODAY AND BEYOND

PORTAGE

BATTLE CREEK

‘Sister’s Christmas Catechism’ on the road with Miller

Middlebrook to release album at Portage eatery

A nun who fancies herself a sleuth seeks to find out what happened with the Magi’s gold left at the Nazareth inn, birthplace of baby Jesus, in this holiday comedy.

Get a little sonic sun tan this week as Haslett tropical rocker Don Middlebrook will release his new album, “The Key West Connection.”

(Thinkstock.com)

A CD-release party is part of an anniversary celebration for Craftsman Chop Co., 6905 Sears Drive. The event will be held from 7-11 p.m. Wednesday at the Portage restaurant. For more information go to donmiddlebrook.net or call the restaurant at 269-327-2000.

KALAMAZOO KALAMA M ZOO

AUGUSTA

Holiday cabaret B continues at Barn Ring in the holidays with Barnies as they present the first “Christmas Cabaret” continuing this week at the Barn Theatre in Augusta. Melissa Cotton, Bethany Edlund, Jamey Grisham, Patrick Hunter, Samantha Rickard and Kevin Robert White will perform holiday classics in the Barn’s Rehearsal Shed, 13351 Michigan 96, Augusta. It will resume at 7 p.m. Friday, with four shows at 2 and 7 p.m. Saturday and Dec. 22. Tickets are $25 and include a piece of pie and a non-alcoholic beverage. For more information or to buy tickets, call 269-731-4121 or go to barntheatre.com.

IN THEATERS

Second ‘Hobbit’ long but worthy

The second entry in the “Hobbit” franchise probably should be subtitled “A Long Walk to the Dragon” instead of “The Desolation of Smaug.” Lengthy ambles pad nearly every plot point in Peter Jackson’s “Lord of the Rings” and “Hobbit” movies — a running joke among both diehards and detractors. When the run time pushes three hours, it can be quite the slog to Smaug. The series’ many defenders will forgive “Desolation” such windy trespasses. They did with 2012’s “The Hobbit: An Unexpected Journey,” which peregrinated with much less expediency than the new film. Details, H3 — John Serba

Embrace your inner polar bear

T

he official start of winter is Saturday, but it’s not too early to begin thinking outside the house. As temperatures start dropping and the white stuff begins falling, it means it’s time to enjoy winter outdoors. From sledding to skiing to ice skating, there’s no shortage of cool places throughout the county to embrace the cold. So bundle up and head out into the Big Chill. Details, H2

Fill a stocking with early bird Cooper’s Glen tickets

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

Square Dance Kalamazoo at Bell’s Cafe

Live musicians and a caller will lead groups of revelers through a series of dances starting at 8 p.m. Monday at Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave. The Celery City Sodbusters and caller Mike Clark will the monthly event held on the second Monday of each month. Doors open at 7 p.m., with lessons at 7:30 p.m. Admission is $5. Go to squaredancekalamazoo.com.

The Cooper’s Glen Acoustic Music Festival has released the lineup for the 2014 event and headliners include a Grammy Award winner and a newly nominated group.

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

KALAMAZOO

Dust off those dancing boots with this monthly feature from Square Dance Kalamazoo.

KALAMAZOO

The annual event, to be held Feb. 14-15 at the Radisson Plaza Hotel & Suites, will feature live performances, workshops, vendors, dances and more. It is presented by the Great Lakes Acoustic Music Association, or GLAMA. Workshops will be held from noon to 5:30 p.m. Feb. 15 and shows

Presented by Miller Auditorium’s Miller on the Road, “Sister’s Christmas Catechism” will be shown in Battle Creek and Coldwater. The production will begin at 8 p.m. Friday at Tibbits Opera House, 14 S. Hanchett St. in Coldwater, and again at 8 p.m. Saturday at Kellogg Arena, 36 W. Hamblin Ave. in Battle Creek. Admission is $25 for both shows. Call 269-387-2300 or go to millerauditorium.com.

The Boxcars will begin at 7 p.m. Feb. 14-15. Grammy winner Pat Donohue will play at 10 p.m. Feb. 14 and bluegrass band The Boxcars, which was nominated for a Grammy Award recently for its new album, “It’s Just A Road,” will play at 10 p.m. Feb. 15.

Tickets for evening concerts are $30 in advance. A weekend pass is $45. There are “early bird discounts,” or $5 off tickets, available through Dec. 24. For more information, go to greatlakesacoustic.org.

KALAMAZOO

Blues fundraiser at 411 Club Support the local blues scene and the annual Blues Festival by heading to The 411 Club for the Kalamazoo Valley Blues Association’s monthly fundraiser concert. The KVBA, which puts on the annual Blues Festival, will host local favorites Big Trouble and Out of Favor Boys, shown left. The event is 4-8 p.m. today at The 411 Club, 411 N. Westnedge Ave. Admission is $6. For more information, call 269-276-9240 or go to kvba.org.

,

GOOD READ

'Servants' chronicles life of serving class

With the fourth season of “Downton Abbey” almost upon us, fans of the hit British show can study up on the life of the serving class with Lucy Lethbridge’s terrific new social history, “Servants.” “No aspect of the home spoke so eloquently to the English idea of the ordered life than the presence of servants,” she writes. “As representatives of the nation’s sense of social order, the deferential servant was as necessary to the English pyramid of social life as the squire or the parson.” Details, H5 — Yvonne Zipp

ON SALE NOW!

starring SALLY STRUTHERS WEDNESDAY, JAN. 8

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H2 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Entertainment

Pat Donohue will headline the Cooper’s Glen Acoustic Music Festival in February. (Courtesy) KALAMAZOO

KALAMAZOO

Grammy Award winner to headline Cooper’s Glen music festival By John Liberty

jlibert1@mlive.com

The Cooper’s Glen Acoustic Music Festival has released the lineup for the 2014 event and headliners include a Grammy Award winner and a newly nominated group. The annual event, to be held Feb. 14-15 at the Radisson Plaza Hotel & Suites, will feature live performances, workshops, vendors, dances and more. It is presented by the Great Lakes Acoustic Music Association, or GLAMA. Workshops will be held from noon to 5:30 p.m. Saturday and shows will begin at 7 p.m. Friday and Saturday. Grammy winner Pat Donohue will play at 10 p.m. Feb. 14 and bluegrass band The Boxcars, which was nominated for a Grammy Award last week for its new album, “It’s Just A Road,” will play at 10 p.m. Feb. 15. Tickets for evening concerts are $30 in advance. A weekend pass is $45. There are “early bird discounts,” or $5 off tickets, available through Dec. 24. For more information, go to greatlakesacoustic.org. Here is the concert lineup: FEB. 14

7 p.m.: Dennis Stroughmatt et L’Esprit Creole, Celtic, Canadian and Old Time and Louisiana Cajun styles from Illinois.

Tubers get a push over the edge by an Echo Valley employee at the top of the tubing hill. Echo Valley in Kalamazoo has facilities for tubing, tobogganing and ice skating. The season begins Saturday. (MLive.com file)

8 p.m.: The Royal Garden Trio, swing/jazz Michigan trio of Mike Karoub (cello and string bass), Tom Bogardus (tenor guitar and clarinet), Brian Delaney (acoustic and electric 6-string guitars). 9 p.m.: Open the Door for Three, Irish music from the Liz Knowles (fiddle), Pat Broaders (bouzouki) and Kieran O’Hare (uilleann pipes, whistle/flute), who hail from Chicago and Portland, Maine. 10 p.m.: Pat Donohue, St. Paul, Minn., Grammywinning fingerpicker and Prairie Home Companion regular. FEB. 15

7 p.m.: Cindy Kallet and Grey Larsen, Bloomington, Ind., songwriters/multiinstrumentalist playing a variety of folk styles. 8 p.m.: The Freight Hoppers, North Carolinabased old-time quartet of Micah Spence, fiddle; Frank Lee banjo, bottleneck guitar, vocals; Isaac Deal guitar, vocals and Bradley Adams string bass. 9 p.m.: Shari Kane & Dave Steele, Ann Arbor blues duo. 10 p.m.: The Boxcars, bluegrass super group of Adam Steffey, Ron Stewart, John Bowman, Keith Garrett and Harold Nixon recently picked up a Grammy Award nomination for their latest album, “It’s Just a Road.”

Find a slick hangout to make the most of winter By John Liberty

jlibert1@mlive.com

For details, call 269-694-9449 or try the 24-hour snow phone, 269-694-9158. You can also try timberridgeski.com.

The official start of winter still is a bit out, but as temperatures start dropBittersweet ping and the white stuff begins falling, it As of Monday, 16 runs were open means it’s time to enjoy winter outside. at Bittersweet Ski Area, 600 River Road Here are some places to enjoy the in Otsego. Lift tickets range from $24 winter, including a few — shhhhhh — to $40, depending on visitor’s age and favorite sledding hills. time/day of visit. Ski rentals are $25, or SLEDDING HILLS $23 after 5 p.m. Snowboard rentals are $25. For more information, call 269Milham Park Golf Course, 4200 694-2820 or the snowline at 269-694Lovers Lane, Kalamazoo 2032, ext. 23. Info: skibittersweet.com. Contact: 269-344-7639, kmgagolf. com/courses/milhampark.html Swiss Valley If Mother Nature plays along, Maple Street Magnet School For Swiss Valley plans to open this weekthe Arts, 922 W. Maple St. end. Lift tickets range from $18 to $38, Contact: 269-337-0730, maplestreetdepending on your age and the time/ magnet.com day of the visit. Ski rentals are $18 or $20. Snowboarding rentals are $20 and Kindleberger Park in Parchment $25. There are a variety of discounts Map: http://bit.ly/GHGZVs and special rates as well. Swiss Valley, Hillside Middle School, 1941 Alamo 13421 Mann St. in Jones, will be open on Christmas day. For more information, Ave, Kalamazoo Township call 269-244-5635 or the snow phone at Contact: 269-337-0570, kalama269-244-8016. You can also get updates zoopublicschools.com at skiswissvalley.com. Leila Arboretum in Battle Creek, 928 W. Michigan Ave., Battle Creek CROSS-COUNTRY SKIING Milham Park Golf Course Contact: 269-969-0270, lasgarden.org The course also offers a trail on the grounds at 4200 Lovers Lane in Oakland Drive Park, 7650 Oakland Kalamazoo. Check out the trail map Drive, near the intersection of Oakland Drive and Schuring, in Portage and get updated reports through the Kalamazoo Nordic Skiers at kalamazoContact: 269-329-4522, portagemi. onordic.com. gov/Departments/ParksRecreation/ ParksAmenitiesListing OUTDOOR SKATING RINKS OaklandDrivePark.aspx Millennium Park in Portage The 14th season for this Portage Thurl Cook Park in Plainwell, east ice rink will start on Saturday at 280 end of Oak Street / South end of Glenview Circle in Plainwell. Romence Road. It is $4 per day to skate Contact: 269-685-6821, plainwell.org/ and $3 per day to rent skates. A 10-skate government/departments/parks.php discount card is available for $25. From now through Dec. 20 and Jan. 5 through Woods Lake Elementary School, March 2, it will be open noon to 9 p.m. 3215 Oakland Drive, Kalamazoo Sunday, 3-9 p.m. Thursday, 3-10 p.m. Contact: 269-337-0790, kalamaFriday and 11 a.m.-10 p.m. Saturday. zoopublicschools.com/Schools/ From Dec. 21-Jan. 4, it will be open daily Elementary/WoodsLakeElementary. from 11 a.m. to 10 p.m. and 11 a.m.-5 aspx p.m. Dec. 24, 31 and Jan. 1. Call 269-3249200.

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DOWNHILL SKI RESORTS

Ben Howland, 13, of Parchment, sleds down the hill at Kindleberger Park in Parchment. With snow beginning to fall, kids are out sledding around the area. “It’s the coldest I’ve ever been,” Howland said. (Chuck Miller/MLive.com)

door rink that opened on Nov. 27. The rink’s cooling system means it will be open event with temperatures in the 40s. It is open 3-7 p.m. Monday through Thursday, 3-10 p.m. Friday, noon-10 p.m. Saturday and noon-6 p.m. Sunday. It will featured extended hours during the week of Christmas. A day pass is $4 and skate rentals are $3. A season pass is $65, with each additional family member at $45. Call 269-639-1113, or go to shicerink.com. Otsego Ice Rink 4. Weather permitting, Otsego planned to have its ice rink open as

early as Dec. 14. It’s free, but there are no rental skates. It is open from 8 a.m. to 10 p.m. daily. The rink is on the corner of Court and Farmer streets, near the Otsego District Museum. Call 269692-3391.

Winter sports park Timber Ridge Ski Resort Echo Valley in Kalamazoo 5. Echo Valley Winter Sports Park 1. The popular Gobles ski resort 2. This 43,000-square-foot rink boasts tobogganing, tubing, skating and opened Dec. 8 and, as of Monday, had provides plenty of room. Skating is $5

The Boxcars will play at the Cooper’s Glen Acoustic Music Festival on Feb. 15.

three out of eight lifts and six out of 15 trails open. Those numbers will increase as weather permits. Lift tickets at the resort, 07500 231/2 St. in Gobles, range from $16 to $38 and ski rentals range from $13 to $20, depending on visitor’s age and date and time of visit. Snowboard rentals are $5 an hour with a two-hour minimum, or $25 for the entire day. Tubing rentals are $15.

(no additional charge for rentals) or you can purchase an unlimited skating pass for $25. The season begins on Saturday. Call 269-349-3291 or 269-349-3017, or go to echovalleyfun.com.

South Haven Ice Rink 3. You may not think of the lakeshore when you think ice skating, but South Haven features a covered, out-

more at 8495 E. H Ave. in Kalamazoo. The park will open for the season on Saturday. It will also open on Dec. 23 and until 5 p.m. on Dec. 24. Passes are $5 for skating, $14 for tubing or tobogganing, or $18 for both. Season passes are $50 and an unlimited skating pass is $25. Info: 269-349-3291 or 269-349-3017, or go to echovalleyfun. com.

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

(800) 228-9858 • (269) 387-2300

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Princess Tea 1 p.m. Fetzer Center cost: $15 / person

SUNDAY, JAN. 12

3 P.M.

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KALAMAZOO GAZETTE / SUNDAY, DECEMBER 15, 2013 / H3

Entertainment FILM REVIEW

‘Hobbit’ long but worthy

By John Serba

jserba@mlive.com

Martin Freeman, left, as Bilbo and John Callen as Oin are shown in “The Hobbit: The Desolation of Smaug.” (Courtesy) ‘THE HOBBIT: THE DESOLATION OF SMAUG’

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Cast: Martin Freeman, Ian McKellen, Richard Armitage, Evangeline Lilly Director: Peter Jackson Run time: 161 minutes Rating: PG-13 for sequences of intense fantasy action violence and frightening images

Is any of this in the book? If so, it’s surely elongated in comparison to the source material. Jackson famously stretched J.R.R. Tolkien’s beloved 300 pages into a trio of three-hour movies (the third, “The Hobbit: There and Back Again,” debuts Dec. 17, 2014) so Warner Bros. could gross another $1 billion in global ticket sales. “Smaug” deviates from Tolkien lore by bringing back Legolas from the “Lord of the Rings” trilogy (Orlando Bloom), and introducing a female elf character, Tauriel (Evangeline Lilly), to water down the pervasive boys’-club cast. Tauriel is a solid addition and a strong character in the orc-slashing sweepstakes, although Jackson perfuncto-

rily makes her a possible love interest for one of the two not-ugly dwarves, Kili (Aidan Turner), because if her elfin eyes glimmered for one of the unhandsome ones, her fetish might be too weird. Bilbo and pals make their way to Lake-town, at the base of Smaug’s mountain, and befriend Bard (Luke Evans). Dwarf leader Thorin (Richard Armitage) somberly carries the weight of all dwarfdom on his back, for he is destined to be king. He’s a grim fellow, unlike his “Lord of the Rings” equivalent, Viggo Mortensen’s Aragorn, who was much more charismatic and dashing. Meanwhile, the wizard Gandalf (Ian McKellen) is on a parallel solo excursion, seeking the source of the Necromancer, a more desolate evil than even Smaug, surely to be the even Bigger Bad come the next movie. Critical rationale dictates this is way more movie than we need, yet Jackson’s Middle Earth is again lovingly and meticulously rendered and never fails to be immersive. It’s a step up from “An Unexpected Journey” on all fronts — and “LOTR” love lingers long.

4752357-02

Join the KSO as they present a performance of epic proportions featuring

Shostakovich & Beethoven with superstar violinist Midori Get your tickets today!

MIDORI is coming... February 1, 2014 | 8pm Miller Auditorium

Tickets: 387-2300 or KalamazooSymphony.com

4751944-01

The second entry in the “Hobbit” franchise probably should be subtitled “A Long Walk to the Dragon” instead of “The Desolation of Smaug.” Lengthy ambles pad nearly every plot point in Peter Jackson’s “Lord of the Rings” and “Hobbit” movies — a running joke among both diehards and detractors. It’s movie tradition to withhold the reveal of the Big Bad until the end of the movie, but when the run time pushes three hours, it can be quite the slog to Smaug. Many, many minutes into the movie, when Bilbo the hobbit (Martin Freeman) and his questing crew finally meet the fire-breathing, bewinged monster, it reveals another beastly ability: Smaug speaks (voiced by Benedict Cumberbatch). Endlessly. And yet, the series’ many defenders will forgive “Desolation” such windy trespasses. They did with 2012’s “The Hobbit: An Unexpected Journey,” which, with its melancholy dwarf moansongs and diddlefarting through many a forest and meadow, peregrinated with much less expediency than the new film. “Desolation” is relatively fleet of foot, buttressed by more instances of lively and entertaining action, always the sharpest weapon in director Peter Jackson’s arsenal. The best sequence puts Bilbo and his dozen-ish dwarf buddies in barrels, rushing down treacherous river rapids, battling orcs in cartoonish, invigorating fashion. We get a chance to see Fierce Bilbo as he avoids the chittering legs of giant spiders and stabs his sword into gloopfilled thoraxes.


H4 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Calendar THRU DEC. 22

The Christmas Cabaret - The Barnies Come Home for Christmas: Barn Theatre, 13351 W. Highway M-96, Augusta. Sat & Sun, 2 and 7 pm; Fri, 7 pm. $20-$25. 269/7314121 DEC. 15

Kalamazoo Ringers Annual Christmas Concert: Westwood Church of God, 811 Gorham Lane, Kalamazoo. 4 pm. Free. 269/323-7744 (Linda) DEC. 18

Don Middlebrook - CD Release Party: Craftsman Chop Company, 6905 Sears Drive, Portage. 7-11 pm. Free. 269-327-2000 DEC. 21

Sounds of the Season: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 8 pm. $24-$60. 269/387-2300 STAGE

THRU DEC. 15

Peter Pan: Kalamazoo Civic Theatre, 329 S Park St. 2 pm. $20 to $24 with group student and senior rates available. 269/343-1313 THRU DEC. 22

Charles Dickens’ A Christmas Carol: Saugatuck Woman’s Club, 303 Butler St, Saugatuck. Sun, 7 pm; Fri, 8 pm; Sat, 2 and 8 pm. $10 - $12. 269/857-1701 The Twin City Players Presents The Best Christmas Pageant Ever: Twin City Players, 600 West Glenlord Rd., St. Joseph. Sun, 4 pm; Fri & Sat, 8 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. www. farmersalleytheatre.com DEC. 15 - 16

The Miracle Worker: Kalamazoo Civic Theatre, 329 S Park St, Kalamazoo. Mon & Sun, 7 pm. 269/343-1313 DEC. 16 - 17

RSVP - The Most Interesting Dinner Party that Never Really Happened by Shannon Michelle Piper Auditions: Three Rivers Community Players, 15526 Millard Rd., Three Rivers. Mon & Tue, 7 pm. 269/279-6251 DEC. 20

Sister’s Christmas Catechism - The Mystery of Magi’s Gold: Tibbits Opera House, 14 S. Hanchett St., Coldwater. 8 pm. $35. 800-2289858 DEC. 21

Sister’s Christmas Catechism - The Mystery of Magi’s Gold: W.K Kellogg Auditorium, 50 West Van Buren St., Battle Creek. 3:30 and 8 pm. $35. 800-228-9858 ART/MUSEUMS

THRU DEC. 19

“Stitches and Shavings” Exhibit: The Carnegie Center for the Arts, 107 N. Main St., Three Rivers. TueThu. Free. THRU DEC. 20

Al LaVergne - Sequences: Western Michigan University Richmond Center for Visual Arts, 1903 W. Michigan Ave., Kalamazoo. Mon-Fri, Sun. Free. 269-387-2455

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.

Annual Gwen Frostic School of Art Faculty Exhibition, Al Lavergne - Sequences: Western Michigan University Richmond Center for Visual Arts, 1903 W. Michigan Ave., Kalamazoo. Mon-Fri, Sun. Free. 269-387-2455 THRU DEC. 22

Kalamazoo Valley Sunday Lecture Series: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. Sun, 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. 269/373-7990

DEC. 19

DEC. 28

DEC. 16

DEC. 19

Get the Picture! Gallery Talk - Eastman Johnson’s The Boy Lincoln: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. noon. Program free with $5 gallery admission or free to KIA members. 269/3497775

Boom Boom Booms!: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 9 pm. 269/381-5677

Winter Wonders Walk: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 2 pm. $4-$7. 269/381-1574

Family Night @ the Library: Allegan District Library, 331 Hubbard St., Allegan. 6:30 pm. Free. 269/6734625

DEC. 31

DEC. 22

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 DEC. 29

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

DEC. 15

THRU JAN. 12

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

Schrock Bros: Salt of the Earth, 114 E Main St, Fennville. $12. 616/644-8237 DEC. 17

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

Open Mic: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 8 pm. 269/381-5677

THRU JAN. 19

Steve Kamerling: Webster’s Prime Tasting Room, 100 W. Michigan, Kalamazoo. 7:30 pm. 269/343-4444

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

Cal for Artist for Plainwell’s ArtHop: Downtown Plainwell, , Plainwell. Visit online for complete details. Event is Feburary 21. http://www.plainwell.org/pdfs/ArtistRegistrationForm.pdf Multi-Media Arts and Crafts Exhibit by Portage District Libary Staff: Portage District Library, 300 Library Lane, Portage. Free. 269329-4544 Drawing/ Painting/ Digital Art Exhibit by Rebecca Ogrodowski: Portage District Library, 300 Library Lane, Portage. Free. 269-3294544

Duffield Caron Project: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 5-8 pm. 269/381-5677

DEC. 18

DEC. 20

The Soil & The Sun: Bell’s Eccentric Cafe, 355 E. Kalamazoo Ave., Kalamazoo. 9:30 pm. $10-$15. 773-317-5125 Festive Fridays: Downtown Allegan, Brady St., Allegan. 6-9 pm. 269/673-3456 Hired Hands: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 5-8 pm. 269/381-5677 Dooley Noted: Webster’s Prime Tasting Room, 100 W. Michigan, Kalamazoo. 8:30-11:30 pm. 269/343-4444

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/general admission. www.kazoostate.com The Hired Hands: Salt of the Earth, 114 E Main St, Fennville. 7 pm. $12. 616/644-8237

DEC. 15

Medora - a film by Andrew Cohn and Dav Rothbart: Alamo Drafthouse, 180 Portage Street, Kalamazoo. 7 pm. TBA. MedoraFilm.com Ballet in Cinema - The Sleeping Beauty: Riviera Theatre, 50 N. Main St., Three Rivers. 3 pm. $12. 269278-8068 DEC. 17

The Nutcracker: Kalamazoo 10, 820 Maple Hill Dr. , Kalamazoo. 7 pm. www.FathomEvents.com DEC. 20

Craft in America - Family: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 7 pm. Free. www. kalamazoomuseum.org DEC. 27

Younger Next Year - The New Science of Aginig: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. 7 pm. www.kalamazoomuseum.org DEC. 31

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

THRU DEC. 21

THRU JAN. 31

Sensational Saturdays: Downtown Saugatuck, Water Street and Main Street, Saugatuck. www. saugatuckdouglas.com

YELLOW - The Works of Harry Brorby: Saugatuck Center for the Arts, 400 Culver St., Saugatuck. Free. www.sc4a.org

Gin Blossoms: FireKeepers Casino, 11177 East Michigan Avenue, Battle Creek. www.FireKeepersCasinoHotel.com

Holiday Walk: W.K. Kellogg Biological Station, 3700 E. Gull Lake Drive, Hickory Corners. Fri & Sat, noon. $7/adult and $5/senior and student. 269/671-2160

Fanatastic Rumpus - 50 Years of Children’s Book Illustraions: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. www.kiarts.org DEC. 21 - FEB. 23

Impressions - Selections from Stewart & Stewart: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. www.kiarts.org DEC. 15

Public Tour - Boo! Images of the Macabre: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. 2-3 pm. Free with gallery admission. 269/349-7775 DEC. 16

Holiday Arrangement: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. 6:30-8:30 pm. Members: $40, Non-Members: $60. 269/349-7775 DEC. 17

ARTbreak - Vermeer - Master of Light: Kalamazoo Institute of Arts, 314 Park St., Kalamazoo. noon. Free admission. 269/349-7775

Lumberjack Party: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 269/381-5677 Lindsay Lou & the Flatbellys: The Livery, 190 5th St., Benton Harbor. 8 pm. 269/925-8760 DEC. 22

Mannheim Steamroller Christmas by Chip Davis: Lake Michigan College Mendel Center, 2755 East Napier Ave., Benton Harbor. 4 pm. 269/927-1221 Crossroads Blues Jam: Old Dog Tavern, 402 E. Kalamazoo, Kalamazoo. 6 pm. 269/381-5677 Lindsay Lou and the Flatbellys: Salt of the Earth, 114 E Main St, Fennville. 7 pm. $15. 616/644-8237 DEC. 27

Steve Kamerling, Lana Hawkins and Denis Shebukhov: Webster’s Prime Tasting Room, 100 W. Michigan, Kalamazoo. 8:30-11:30 pm. 269/343-4444

OUTDOORS

Kalamazoo Indoor Flea & Farmers Market: Kalamazoo County Expo Center & Fairground, 2900 Lake St., Kalamazoo. 8 am-2 pm. www. kalamazooexpocenter.com DEC. 17 - 21

Small Wonders - Animals in Winter: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. Tue & Sat, 10-11:30 am. $4$7. 269/381-1574 DEC. 19

FILM

DEC. 21

THRU FEB. 9

DEC. 17

THRU DEC. 24

Santa’s Workshop: Kalamazoo Mall, 157 S. Kalamazoo Mall, Kalamazoo. 3-8 pm. Free. www. downtownkalamazoo.org DEC. 26

Portage Computer Users Club: Portage District Library, 300 Library Lane, Portage. 10 am. Free. 269329-4544 DEC. 20 AND 27

Comstock Lions Club Bingo: Kalamazoo County Expo Center & Fairground, 2900 Lake St., Kalamazoo. Fri, 6:30 pm. www.kalamazooexpocenter.com DEC. 21

Kalamazoo Reptile & Exotic Animal Show: Kalamazoo County Expo Center & Fairground, 2900 Lake St., Kalamazoo. 10 am-3 pm. $4/adults, $2/children, $15/family max. www.kalamazooreptileshow. com DEC. 26

What’s under the Ground?: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $60/non-members, $50/ members. www.NatureCenter,org DEC. 27

Wild Animal Neighbors: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4$7. 269/381-1574 DEC. 28

Birds of Prey: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4-$7. 269/381-1574 Birds in Winter: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 1-4 pm. $4-$7. 269/381-1574 DEC. 30

Seeds - Source of Life: Kalamazoo Nature Center, 7000 N. Westnedge Ave., Kalamazoo. 10 am-4 pm. $4$7. 269/381-1574 DEC. 31

DEC. 30 - JAN. 3

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

New Years Eve Ball Drop in Downtown Hastings: Downtown Hastings, , Hastings. 269/945-2454

BOOKS

DEC. 15

DEC. 15

Kalamazoo Record & CD Show: Kalamazoo County Expo Center & Fairground, 2900 Lake St., Kalamazoo. 11 am-4 pm. $6/adults, free/ childre 12 & under.

Great Books Reading Group: Portage District Library, 300 Library Lane, Portage. 2 pm. Price of book. 269-329-4544

Christmas Carol: Downtown Saugatuck. saugatuck.com/calendar/ aug.htm Of Christmas Past: Historic Charlton Park, 2545 S Charlton Park Rd, Hastings. 5 pm. $5 for adults and $3 for children 4 to 12. 269/9453775

Kalamazoo Christmas Bird Count: People’s Church, 1758 N. 10th St., Kalamazoo. 7:45 am. Free. 269/375-7210 DINING

DEC. 15

Mistletoe Tea: W.K. Kellogg Biological Station, 3700 E. Gull Lake Drive, Hickory Corners. 3-5 pm. $30/adult and $16/child (5-12). 269/6712400 DEC. 17

Holly and Ivy Tea: W.K. Kellogg Biological Station, 3700 E. Gull Lake Drive, Hickory Corners. 3-5 pm. $30/adult and $16/child (5-12). 269/671-2400 DEC. 19

Holiday Lunch: W. K. Kellogg Manor House, 3700 East Gull Lake Drive, Hickory Corners. noon-1:30 pm. $30/adult and $16/child (5-12). 269/671-2400 DEC. 20

Comfort and Joy Dinner: W. K. Kellogg Manor House, 3700 East Gull Lake Drive, Hickory Corners. 6:30 pm. $45/person. 269/671-2400 DEC. 22

Holiday Brunch: W. K. Kellogg Manor House, 3700 East Gull Lake Drive, Hickory Corners. 11 am and 1 pm. Cost is $27/adult, $16/ Children (5-12), under 4yrs free. 269/671-2400 DANCE

JAN. 12

Moscow Festival Ballet- Cinderella: Miller Auditorium, 1903 W. Michigan Ave., Kalamazoo. 3 pm. $17–$42. 269/387-2300

DEC. 29

Portage Computer Users Club: Portage District Library, 300 Library Lane, Portage. 10 am. Free. 269329-4544 Holiday Happenings Make a Joyful Noise: Kalamazoo Valley Museum, 230 N. Rose St., Kalamazoo. MonFri, 1-4 pm. Free. www.kalamazoomuseum.org

DEC. 28

Connecting People & Nature Winter Wonders Walk Sunday, December 15 at 2pm

Small Wonders: Animals in Winter

Tuesday, December 17 and Saturday, December 21, 10-11:30am

Yoga in the Glen Vista

Wednesdays, 6-7:30pm

DEC. 16

Great Big Book Exchange: Portage District Library, 300 Library Lane, Portage. 6:30 pm. Free. 269-3294544

KNC Closed December 22-25 Kalamazoo Nature Center (269) 381-1574 ext. 38 www.naturecenter.org

C E L E B RAT I O N S

4749184-01

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.

CELEBRATING 78 YEARS OF FRIENDSHIP! Left to right: Barbara (Minor) Glennon, Rosemary (Glendenning) Appelgren, Burton Toorman and Helen (Brink) Lincoln. From kindergarten through high school graduation, 78 years later, and still going strong. After all these years we still enjoy getting together for breakfast or lunch a few times each year. 4741702-01

Alan and Dorothy Lagerberg

William and Beverly Vanden Broek

~ GOLDEN WEDDING ANNIVERSARY ~

~ GOLDEN WEDDING ANNIVERSARY ~

Alan K. and Dorothy M. (Forsythe) Lagerberg celebrated their 50th wedding anniversary with family. They were married on December 14, 1963 at the First Covenant Church in Salina, KS. Their children are: Shelley (Mark) Hoogerheide, Timothy Lagerberg (deceased), Stephen (Tiffany) Lagerberg and Jennifer (Dave) Rice. Al and Dottie are the proud grandparents of 14 grandchildren. Al is retired from Bronson Healthcare Group and Dottie is a retired Registered Nurse.

Celebrating their 50th wedding anniversary, Bev (Bogema) and Bill were married on December 13, 1963, in Kalamazoo. Their children are: Beth (Jerry) Blacken of Parchment, Dean (Joelle) Vanden Broek of Portage and Amy (Robert) Williams of Portage. They have six grandchildren and six step-grandchildren. Bev worked at John Hancock for 25 years. Bill retired from the Upjohn Company as the Corporate Aircraft Scheduler. The family celebrated with a dinner at Das Essenhaus.

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MUSIC

Post your event to the calendar


KALAMAZOO GAZETTE / SUNDAY, DECEMBER 15, 2013 / H5

Books

Birthdays

‘Servants’ offers a peek belowstairs

W

ith the fourth season of “Downton Abbey” almost upon us, fans of the hit British show can study up on the life of the serving class with Lucy Lethbridge’s terrific new social history, “Servants.” “No aspect of the home spoke quite so eloquently to the English middle-class idea of the ordered life than the presence of servants,” she writes. “As representatives of the nation’s sense of natural and social order, the deferential servant was as necessary to the English pyramid of social life as the squire or the parson.”

In the grander homes, the servants were waited upon by other servants, with only the top tier having direct contact with the owners of the house. The class system was so stratified that servants even had a lesser washerwoman to clean their clothes, and bomb shelters during World War II were organized by rank. For those who employed servants, especially in smaller homes or flats, the lack of privacy was pervasive, and the nagging question of the “servant problem” unending. The war years led to options less Since servants were supposed back-breaking and servile for workREVIEW to be invisible — even urged not to ers, Lethbridge writes, while the breathe too heavily and expected Great Depression sent more and Yvonne Zipp to turn and face the walls whenmore people, especially women, yzipp@mlive.com ever their employer passed in some back into service. After World War upper-class houses — documenting II, the number of servants began to their lives is a challenge Lethbridge decline, until it hit a low in the 1970s. tackles with energy and ingenuity. Interestingly, though, the number ‘SERVANTS: A DOWNSTAIRS “In this book, I have gathered of servants is again on the rise in HISTORY OF BRITAIN FROM together voices, heard and unheard, considered “vulgar” by some in the England, Lethbridge writes, almost THE NINETEENTH CENTURY published and unpublished, of upper classes. reaching Victorian levels. TO MODERN TIMES’ domestic servants,” she says. “Leslie Stephen, father of Virginia She includes tidbits from Horace Lethbridge starts in the Edwardian Woolf and Vanessa Bell, wondered Author: Lucy Lethbridge Mortiboy, England’s oldest-serving era, when ladies’ loose change was Publisher: W.W. Norton & Co. why he should install a hot water butler, who started in service in 1937 washed nightly, since there was no Pages: 400 system in his London house when and still was at work in 2007, at 88. telling where it had been, and where he could always employ two or three Price: $27.95 Unfortunately, Lethbridge doesn’t newspapers and shoelaces were girls to carry the bath water up and quite make it as far as “Downton ironed daily. down stairs as required,” she writes. Abbey” in “Servants.” But she does For servants, even in the grandAnd if that required some girl to include another popular British est of homes, living conditions were wash a mosaic every morning with series — “Upstairs, Downstairs” relative privilege of the lady’s maid; spartan, the hours were long and milk on her knees or scrub the front — which ended up being almost as the butler; the chauffeur, whose hard work was considered morally stoop with a “donkey stone” until it acutely alive to the existence of class proximity inside the vehicle, instead improving (at least for the lower shined, well, appearances must be distinctions, as Jeeves once put it, as of outside like the coachman, led to classes). On country estates, at least maintained. an uncomfortable sense of closeness the era it was portraying. The actors the food was abundant, even below“The idea of the perfect servant that challenged social mores; the gen- playing the servants got the worst stairs, but middle-class servants — silent, obsequious, loyal — is teel — and again, lonely — existence dressing rooms — even though they were expected to make do with a central component of the many were more famous — she writes, and of the “lady-help;” and of course, bread, dripping and margarine. myths of England’s recent past; sertheir co-workers, cast as gentry, were the gentleman’s gentleman, most Vacuum cleaners and other laborvants underpin the ideal, never quite famously personified by Jeeves. She assigned the ones with showers. saving devices didn’t become popular attainable, of a perfectly ordered life.” also examines the role of servants “Servants” is thoughtfully in England until decades later than in Lethbridge documents the lives abroad in places such as India, where presented, thoroughly researched the U.S., Lethbridge writes, and even and work of the poor, put-upon and almost addictively readable. If the caste system was even more basic modern conveniences such as “slaveys,” the maid-of-all-work; the you’re looking for a present for the firmly entrenched than in Britain, gaslight and indoor plumbing were lowly charwoman; the loneliness but and Australia. Anglophile in your life, look no further.

For the last-minute holiday shopper: Gift-worthy coffee table books By Leanne Italie

The Associated Press

The holidays bring out the innercoffee table book obssessive in gift buyers. They’re easy, weighty and satisfying to give. You’ve done your job with your pricey treat. Here are few to consider for music lovers, history buffs, foodies and more: MUSIC

“The Beatles: The BBC Archives: 1962-1970,” by Kevin Howlett, Harper Design, $60. The Fab Four’s years on air at home, as told in transcripts of interviews, photos and internal documents. Coincides with the November release of a new album, “On Air — at the BBC, Volume 2.” “Soul Train: The Music, Dance and Style of a Generation,” by Questlove, Harper Design, $45. Aretha, Smokey, Ike and Tina, Marvin, Michael, Diana — and plenty of photos and text cov-

ering the work of Don Cornelius, host of the longest-running syndicated program in TV history. The frontman for the Roots takes us on the journey through the show’s debut in 1971 to 1993, the final episode Cornelius, the creator, hosted. “Legends, Icons & Rebels: Music that Changed the World,” by Robbie Robertson, Jim Guerinot, Sebastian Robertson and Jared Levine, Tundra Books, $29. For young readers, the music industry vets offer an introduction to 27 legends, including James Brown, Curtis Mayfield, Sam Cooke, Marvin Gaye and Otis Redding. Includes two CDs totaling 27 tracks. HISTORY & MEDIA

“Smithsonian Civil War: Inside the National Collection,” edited by Neil Kagan and Stephen G. Hyslop, Smithsonian Books, $40. From the story of Winchester, the swift-

footed horse of Union commander Philip Sheridan, to Winslow Homer sketches. “Vietnam: The Real War,” by The Associated Press, $40. Mostly blackand-white, up-close photography of the fog and debris of war, including an injured John McCain and the cut of a knife into the belly of a Viet Cong prisoner under interrogation by a South Vietnamese soldier. FILM & PHOTOGRAPHY

“Guillermo del Toro, Cabinet of Curiosities: My Notebooks, Collections and Other Obsessions,” by del Toro and Marc Scott Zicree, Harper Design, $60. Notebooks, sketches and interviews from the mind of the “Hellboy” and “Pan’s Labrynth” creator. Thoughts from Neil Gaiman and Ron Perlman. “Humans of New York,” by Brandon Stanton, St. Martin’s Press,

$29.99. Includes 400 color portraits from the meandering chronicler of the New York condition. “The Wizard of Oz: The Official 75th Anniversary Companion,” by Jay Scarfone and William Stillman, Harper Design, $40. Production stills, munchkin and Dorothy hair and wardrobe tests. Mock certificates for a brain, courage, heart and home are included in a back envelope of memorabilia, along with a death certificate for the Wicked Witch of the East. FOOD

“Fruit: Edible, Inedible, Incredible,” by Wolfgang Stuppy and Rob Kesseler, Earth Aware Editions, $35. Similar microscopic cross-sections focused on fruit, seeds and nature’s seed dispersers from the toucan to the fruit bat. Exhaustive scientific text. Stuppy is the seed morphologist for the Millennium Seed Bank Partnership, the international conservation project.

BESTSELLERS FICTION 1. Cross My Heart, by James Patterson. (Little, Brown & Co., $29) 2. Takedown Twenty, by Janet Evanovich. (Bantam, $28) 3. Sycamore Row, by John Grisham. (Doubleday, $28.95) 4. Doctor Sleep, by Stephen King. (Scribner, $30) 5. King and Maxwell, by David Baldacci. (Grand Central, $28) 6. The First Phone Call from Heaven, by Mitch Albom. (Harper, $24.99) 7. The Longest Ride, by Nicholas Sparks. (Grand Central, $27) 8. Dust, by Patricia Cornwell. (Putnam, $28.95) 9. S., by J.J. Abrams and Dough Dorst. (Mulholland, $35) 10. The Goldfinch, by Donna Tartt. (Little, Brown & Co., $30) 11. Inferno, by Dan Brown. (Doubleday, $29.95) 12. The Valley of Amazement, by Amy Tan. (Ecco, $29.99) 13. The Supreme Macaroni Company, by Adriana Trigiani. (Harper, $25.99) 14. Mirage, by Clive Cussler and Jack B. Du Brul. (Putnam, $28.95)

15. Winners, by Danielle Steel. (Delacorte, $28) 16. The All-Girl Filling Station’s Last Reunion, by Fannie Flagg. (Random House, $27) 17. White Fire, by Douglas J. Preston. (Grand Central, $27) 18. Merry Christmas, Alex Cross, by James Patterson. (Little, Brown & Co., $20) 19. Starry Night, by Debbie Macomber. (Ballantine, $18) 20. We Are Water, by Wally Lamb. (Harper, $29.99) 21. And the Mountains Echoed, by Khaled Hosseini. (Riverhead, $28.95) 22. Hostage, by Kay Hooper. (Berkley, $26.95) 23. Gone, by James Patterson and Michael Ledwidge. (Little, Brown & Co., $28) 24. The Cuckoo’s Calling, by Robert Galbraith. (Mulholland, $26) 25. The Minor Adjustment Beauty Salon, by Alexander McCall Smith. (Pantheon, $24.95) NONFICTION 1. Killing Jesus, by Bill O’Reilly amd Martin Dugard, (Henry Holt, $28)

2. Things That Matter, by Charles Krauthammer. (Crown Forum, $28) 3. David and Goliath, by Malcolm Gladwell. (Little, Brown & Co., $29) 4. Guinness World Records 2014. (Guinness World Records, $28.95) 5. George Washington’s Secret Six, by Brian Kilmeade. (Penguin/Sentinel, $27.95) 6. Miracles and Massacres, by Glenn Beck. (Threshold, $27) 7. The Pioneer Woman Cooks, by Ree Drummond. (William Morrow & Co., $29.99) 8. Si-Cology 1, by Si Robertson. (Howard Books, $22.99) 9. Jab, Jab, Jab, Right Hook, by Gary Vaynerchuk. (HarperBusiness, $29.99) 10. Let Me Off at the Top!, by Ron Burgundy. (Crown Archetype, $22) 11. I Am Malala, by Malala Yousafzai. (Little, Brown & Co., $26) 12. The Bully Pulpit, by Doris Kearns Goodwin. (Simon & Schuster, $40) 13. The Duck Commander Devotional (Original), by Alan Robertson. (Howard Books, $16.99) 14. Happy, Happy, Happy, by Phil Robertson. (Howard Books, $24.99)

15. My Promised Land, by Ari Shavit. (Random House/Spiegel & Grau, $28) 16. Break Out!, by Joel Osteen. (FaithWords, $26) 17. Humans of New York, by Brandon Stanton. (St. Martin’s, $29.99) 18. Staying Strong, by Demi Lovato. (Macmillan/Feiwel & Friends, $19.99) 19. Giada’s Feel Good Food, by Giada De Laurentiis. (Clarkson Potter, $32.50) 20. Good Tidings and Great Joy, by Sarah Palin. (HarperCollins/Broadside, $22.99) 21. Five Days in November, by Clint Hill. (Gallery Books, $30) 22. The Legend of Zelda Box Set, by David Hodgson. (Prima Games, $179.99) 23. The Duck Commander Devotional (Pink Camo), by Alan Robertson. (Howard Books, $16.99) 24. LEGO Minifigure Year by Year, by Gregory Farshtey and Daniel Lipkowitz. (DK, $40) 25. The Death of Santini, by Pat Conroy. (Doubleday/Talese, $28.95) — Publishers Weekly

Pope Francis will celebrate his 77th birthday on Tuesday. (AP)

Happy Birthday Pope Francis, Brad Pitt, others TODAY

Actor-comedian Tim Conway is 80. Singer Cindy Birdsong (The Supremes) is 74. Actor Don Johnson is 64. Rock musician Paul Simonon (The Clash) is 58. Actor Stuart Townsend is 41. Actress Michelle Dockery (TV: “Downton Abbey”) is 32. Actress Camilla Luddington (TV: “Grey’s Anatomy”) is 30. MONDAY

Civil rights attorney Morris Dees is 77. CBS news correspondent Lesley Stahl is 72. TV producer Steven Bochco is 70. Rock singer-musician Billy Gibbons (ZZ Top) is 64. Rock musician Bill Bateman (The Blasters) is 62. Actor Benjamin Bratt is 50. Actress Hallee Hirsh is 26. Actress Anna Popplewell is 25. TUESDAY

Pope Francis is 77. Singeractor Tommy Steele is 77. Rock singer-musician Art Neville is 76. Political commentator Chris Matthews is 68. Actor Bill Pullman is 60. Actor Barry Livingston is 60. Country singer Tracy Byrd is 47. DJ Homicide (Sugar Ray) is 43. Actress Milla Jovovich is 38. Actress Emma Bell is 27. Actor-singer Nat Wolff is 19. WEDNESDAY

Former U.S. Attorney General Ramsey Clark is 86. Rock singer-musician Keith Richards is 70. Actor Ray Liotta is 58. Comedian Ron White is 57. Actor Pitt Brad Pitt is 50. Professional wrestler-turnedactor “Stone Cold” Steve Austin is 49. Country/rap singer Cowboy Troy is 43. DJ Lethal (Limp Bizkit) is 41. Actress Katie Holmes is 35. Singer Christina Aguilera is 33. Actress-singer Bridgit Mendler is 21. THURSDAY

Country singer Little Jimmy Dickens is 93. Rhythm-andblues singer-musician Maurice White (Earth, Wind and Fire) is 72. Actress Jennifer Beals is 50. Magician Criss Angel is 46. Actress Alyssa Milano is 41. Actor Jake Gyllenhaal is 33. Actress Marla Sokoloff is 33. FRIDAY

Actress Audrey Totter is 96. Actor John Hillerman is 81. Original Mouseketeer Tommy Cole (TV: “The Mickey Mouse Club”) is 72. Singer David Cook (“American Idol”) is 31. Actor Jonah Hill is 30. Singer JoJo is 23. SATURDAY

Country singer Freddie Hart is 87. Actor Ed Nelson is 85. Talk show host Phil Donahue is 78. Actress Jane Fonda is 76. Actor Samuel L. Jackson is 65. Movie producer Jeffrey Katzenberg Jackson is 63. Tennis Hall-of-Famer Chris Evert is 59. Entertainer Jim Rose is 57. Actor-comedian Ray Romano is 56. Actor-comedian Andy Dick is 48. Actor Kiefer Sutherland is 47. Rock singer Lukas Rossi (Rock Star Supernova) is 37. Rock musician Anna Bulbrook (Airborne Toxic Event) is 31. Country singer Luke Stricklin is 31. Actor Steven Yeun is 30.


H6 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Advice Carolyn Hax / Tell Me About It

Woman judges those without kids Dear Carolyn: A friend who recently gave birth was talking sheep about another girlfriend for having failed to acknowledge the birth of her child, and for having the audacity to invite her to a work event. Her words: “No one cares about her job, I mean, I just had a baby.” As a woman who is not planning on having kids, this stung. My career apparently means nothing to my friend. Likely she was just hurt and hormonal, but do some parents really feel this way? I’ve seen child-free folks called causes of social decay, selfish, non-adult, and so forth. I would think that child-abusers are those things, not those of us who opt out. By not having kids, I’m actually creating less competition for my friends’ little ones. So what gives with the harsh judgment? Jealousy? Exhaustion? An inability to perceive that other people might have equally valid life choices? Sometimes, I just want to scream “My reproductive choices are none of your business, just as yours aren’t any of mine.” I’m not even looking for a way to stop the intrusions and the insensitive comments, because I know they won’t ever really go away. My current theory is that parents sign up for this change that dominates their entire life, and feel so much pressure that when they see glimpses of their former life embodied in friends without kids, they instinctively protect their choice over the freedom of not having dependents, i.e., their life is purposeful but tough, so mine is clearly easy and meaningless. — My Life Has Meaning, Thanks It could be that. It could also be that your friend is just a clod. I’ve seen people with kids called causes of planetary decay, selfish, irresponsible, “and so forth.” The contempt cuts both ways. Actually, all ways: While raising kids forces more intense immersion in that life than most other choices do, I think if you step back a bit you’ll see that around every big, life-guiding choice there is a community of self-justification. You’ll see marrieds scoffing at singles and singles scoffing at marrieds; you’ll see conservatives scoffing at liberals and liberals scoffing at conservatives; you’ll see capitalists scoffing at wage-earners scoffing at the needy scoffing at capitalists, who all scoff at creatives, who scoff right back. You’re absolutely right that the insensitive comments won’t go away. However, I think you’ll see their volume plummet when you make a conscious decision to save most of your social time for people who are comfortable with themselves and their choices. They tend to live and let live. 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

Helpful hints to prevent choking Dear Readers: Choking on a piece of food is no laughing matter! Sometimes we see that in movies or TV where it’s funny, but it’s not! Choking on food is a leading cause of injury among children, especially those 4 or younger, according to the American Academy of Pediatrics. Anyone who cares for a child (even grandparents) needs to be aware of this potential problem that can happen suddenly. There are many hazards out there just waiting to cause a problem. Food can be one of the worst, especially for young children. Read on, and keep these points in mind: — Remove choking hazards such as seeds or pits from food. — Cut food into small bites! This is especially true for hot dogs, lunchmeat and fruit like apples. — Insist that a child sit up straight while eating — not lying down on the couch watching TV. — NEVER leave a child alone while eating! It sounds like a “duh” point, but 10 seconds to go into another room can mean life or death. — Don’t rush children into wolfing down food. — KNOW the Heimlich maneuver, and call 911 in the event of an emergency. — Heloise P.S. Don’t be a statistic, ending up in the ER for a choking event to a child! Over 10,000 do, and many don’t survive. Dear Heloise: Since a lot of motels and hotels now offer free breakfast, I will bring coffee to the room with me afterward. To keep it hot, I turn on the coffeemaker’s warmer, and pour the coffee in the carafe. — Lynn in Florida 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

Grandson’s bullying professional evaluation

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ear Abby: Our 7-year-old grandson has been a handful since he was able to walk. He has been sneaky and has told lies for as long as any of us can remember. He has been suspended from school more than 10 times for various things. He stole several hundred dollars from his mom’s purse and took it to school so he would have money to buy snacks. He stays awake longer than everyone else in the house so he can take things and hide them in his closet. He knows what he does is wrong, but it doesn’t bother him. He is also abusive to his disabled sister. It is hard to imagine that a 7-year-old could give hate-filled looks that you don’t even see from adults. I’m afraid at the rate he is going, he will seriously hurt someone or be hurt himself. He also has a very big heart. That is why we don’t understand what is going wrong in this little boy’s head. Please help if you can. — Grandma Of A Bully in North Carolina

Ways to minimize car insurance costs A

utomobile insurance. By law and common sense, we know that we must have it. But that doesn’t mean we should pay one dollar more for auto insurance than necessary. Shop around. Rates between insurance companies can vary greatly. Call three different companies today and you’re bound to get three different quotes. There is nothing righteous about staying with the same company forever. An hour of your time once a year could net a handsome premium reduction. Increase deductibles. Remember this: The lower the deductible, the higher the premium. You’re not likely to file a claim for a minor incident because that could make your premiums skyrocket. So if you’re not going to file small claims, think about increasing your deductibles to say $500 or even $1,000. Then put the premium savings in a special account to pay for the fender-benders. Drive a safer car. Larger and heavier cars tend to be safer and therefore less expensive to insure. Drop unnecessary coverage. Examine your policy carefully for coverage you can reasonably reduce or eliminate. The most promising area may be your collision and comprehensive coverage. The general rule is to drop collision coverage when its annual premium exceeds 10 percent of the car’s market value. Visit Edmund’s Automotive Buyer’s Guide, edmunds.com, or Kelley Blue Books, kbb. com, to discover values online. Rack up discounts. For example, if you insure all your cars and your home with the same company, you will likely qualify for a significant discount. Non-smokers, good students and safe drivers also qualify for discounts. Cindy M. walked away from a phone call to her company with a nice reduction of $204 all because she asked them to run down the list of discounts to see if she qualified. 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

Dear Grandma: Your grandson’s behavior may have something to do with the fact his disabled sibling needs more of his parents’ attention. Or he may have serious emotional problems. The boy needs to be evaluated by a mental health professional so his parents will understand what’s driving his behavior, and it can be addressed. Please don’t wait.

Write to Dear Abby at P.O. Box 69440, Los Angeles, CA 90069 or DearAbby.com. Harriette Cole/ Sense & Sensibility

Employee should not embarrass boss about gift Dear Harriette: What do you do when you get a gift that you know was a re-gift — and it does not work? My boss gave me a coffee pot, and when I plugged it in, it wouldn’t work. The box said that the coffee pot came with a variety of coffee, and none of it was in there. I think she got it as a gift and meant to take it back to the store but forgot. My boss knows that I love coffee, and I think that’s why she thought to give it to me. Anyhow, it backfired, because it was busted. I don’t want to embarrass her, but what do I do? Do I say something or not? — Not Gifted, Miami Dear Not Gifted: It sounds like your boss had good intentions even though they didn’t work out. I would not mention to her that the coffee pot didn’t work. You can try to get it repaired, give it to charity or throw it out if you think it cannot be repaired. As far as re-gifting in general, I like it up to a point. If you were given something that you know another would appreciate AND it is in good working condition, by all means share it. What you shouldn’t do is pretend that you bought it when you didn’t. You may even say that the item was given to you and you thought that the person in question would appreciate it. Being honest in the gift-giving process is what makes it work. Dear Harriette: My 7-year-old son was invited to a sleepover, and he wants to go. He is worried, though, because sometimes he still wets the bed. I do not want to embarrass him by saying something to the host mom, but how do I handle it to make sure he doesn’t spoil their furniture if he has an accident? — Concerned, Syracuse, N.Y.

Dear Concerned: Rest assured that your son is not the only one who is late to the party on this point. Unfortunately, it can take some children longer to be able to control their bladder than others. A practice you can start at home is to limit liquid intake to a couple of hours before bedtime. Make sure he knows to go to the bathroom and empty his bladder before getting in the bed. Invest in pull-up diapers if he is small enough, or even the adult-size diapers that are used for adults with incontinence. He can wear loose-fitting pajama bottoms so no one is the wiser. This will help him to feel more confident going to sleep at the party. Do not keep up the use of the diapers at home, though, because the goal is to get him to know when to get up and relieve himself. It may take a little extra time, but eventually he will be able to do it. He will likely greatly appreciate you getting him the diapers for the party, so that he can feel confident among his peers.

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

Stay true to values during holidays Q:

How can we parent effectively when so many of our friends and relatives have values that conflict with ours? This is especially tough when we’re all together for the holidays. Our counselors would encourage you to begin by making sure that everyone in your household is absolutely clear about the values, priorities and spiritual perspectives that define you as a family. Take the time to provide your children with easily understandable reasons for the rules you live by, and equip them to graciously, but confidently, articulate these principles themselves when asked. Once this is done, you’ll be better positioned to deal with these challenges when your kids spend time in homes where the standards and convictions differ from your own. If you run into conflicts, humbly tell the friends or relatives concerned that while you love them and respect their feelings, it’s your responsibility to raise your children in the way you feel is right. My husband is always hurting my feelings with careless and cutting remarks. He says he’s only teasing or tells me I’m too sensitive, but it’s no joke to me. How can I get him to stop? Dr. Greg Smalley, Vice President, Family Ministries: The scenario you’ve described, though very common, can have many causes. Communication is a complex thing and is influenced by underlying emotions and learned behaviors. For many of us men, much of our lives have been spent trading jabs and poking fun at other guys. It’s often how we bond with each other. Unfortunately, we have to learn the hard way that it doesn’t always have the same effect with the opposite sex. Or it could be a problem of sensitivity — either his lack thereof, or possibly your overactive sense. Both are obstacles to emotional intimacy and should be evaluated honestly. I’d start by looking at your relationships with mutual acquaintances other than your respective families. Does your husband routinely offend them? Do they see him as selfcentered and unfeeling? Are you frequently hurt by others? Are you critical, or do you struggle with low self-esteem? The goal here isn’t to assign blame, but to gain an understanding of each other, which is the first step toward resolution. Since this typically works best with the help of a caring counselor, I’d encourage you to contact Focus on the Family for a referral to a qualified marriage therapist in your area. Call us at 855-771-HELP (4357). We’re here and happy to help. Send your questions to Focus on the Family, P.O. Box 444, Colorado Springs, CO 80995.

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KALAMAZOO GAZETTE / SUNDAY, DECEMBER 15, 2013 / H7

Travel NORTHERN IRELAND

‘Game of Thrones’ may help tourism campaign The Associated Press

“Game of Thrones” has drawn in millions of viewers. Can it bring in tourists, too? Tourism officials in Northern Ireland say they are looking at ways to capitalize on the success of HBO’s fantasy TV series. Much of the “Game of Thrones” is filmed in Northern Ireland, which provides a backdrop of castles

and rugged coastlines for the series’ fictional land of Westeros. Northern Ireland’s Enterprise Minister Arlene Foster recently announced the tourism strategy but gave no details. Foster said she wanted to attract more than 2 million visitors a year to Northern Ireland by 2016, compared to nearly 1.8 million people in 2013.

GO FOR THE FOOD A family plays at Pacific Harbour Beach in Fiji. A fringe of coconut trees gives way to a gorgeous, pristine beach with a gentle arc. It’s the perfect place for a swim in placid waters that are as warm as a bath. (AP)

SUVA, FIJI

Freebies in the South Pacific W By Nick Perry

The Associated Press

ith its white sand beaches, tropical climate and relaxed pace, Fiji rightfully has earned a reputation as a South Pacific paradise. But it’s the friendliness of the people that makes traveling in these islands a real delight. You’ll quickly learn the ubiquitous word “bula,” which means hello and usually is accompanied with a broad smile. Not everything in paradise is perfect, however. There’s been a succession of military coups in Fiji, and the political restiveness stands in contrast to the easygoing nature of the people. And once you travel beyond the idyllic tourist resorts, you’ll see most people live in very basic conditions. That said, Fiji remains a fascinating destination. While most tourist activities come with a price tag, there are plenty of things for adventurous travelers to do and see Vendors ply their wares at the Nadi Municipal Market in Nadi, Fiji. The bustling downtown market has tables laden with ginger, coconuts, mangoes and jackfruit. for free. NADI MUNICIPAL MARKET

Most travelers arrive via the international airport at Nadi. In downtown Nadi, a bustling market offers tables laden with ginger, coconuts, mangoes and jackfruit. There also are lots of stands selling kava, a plant from the pepper family that is native to the Pacific. Fijians use kava powder to make an intoxicating beverage that is drunk in ceremonies throughout the islands and even by a few people in this market. If you do decide to try it, drink it in moderation. Be warned that kava supplements have been banned from several countries because of health concerns. Fiji’s capital city, Suva, has a similar municipal market that also sells fruit, vegetables and fish.

There also is a monument that includes a weapon and a cross. The weapon, a neck-breaker’s club, was used in past times by Fijian cannibals. The club is lying down with the cross on top, signifying an end to that way of life. You can walk into the village at the north end for free or pay 5 Fijian dollars ($3) at the south end and have someone show you around, which is well worth it. Avoid wearing bikinis or other skimpy clothes, which are considered disrespectful in this setting. PACIFIC HARBOUR BEACH

A fringe of coconut trees gives way to a gorgeous, pristine beach with a gentle arc. It’s the perfect place for a swim in placid waters that are as warm as a bath. Only some parts of the beach are VISEISEI VILLAGE publicly accessible, and so keep an eye This village near Lautoka is one of the open for signs or ask locals. We found country’s oldest, believed to have been access just west of the Uprising Beach founded by some of the first settlers to Resort. The beaches in this area are arrive in Fiji by canoe more than two less crowded than those closer to the millennia ago. It also is where some of Nadi airport. Fiji’s leaders have lived, and it has hosted dignitaries including Prince Charles. NATADOLA BEACH You’ll get a sense of village life and see Another beach, but hey, this is things such as a traditional chief’s hut Fiji! And Natadola is stunning in difand ceremonial drums. In the center ferent ways to Pacific Harbour. The of the village is a Methodist church, an drive there takes you through lush, important institution to many in Fiji. verdant bush. This beach often gener-

ates powerful waves, which are good for body surfing, although it pays to be wary of the undertow. At other times, you can take your mask and snorkel and explore. For a few dollars, locals offer horseback rides along the beach. SUVA WATERFRONT

Like most urban areas in Fiji, Suva, the capital, has a dilapidated feel and doesn’t immediately seem inviting. But the country’s leaders have made a point in recent months of trying to improve the waterfront promenade, an effort that is showing positive results. The horseshoe-shaped walk extends from the city to the national stadium and has become a popular place to jog and stroll. There’s a new picnic area and, sometimes, you’ll see pickup games of rugby, Fiji’s national sport. Along the waterfront, take a look at the botanic gardens and the Presidential Palace, where guards stand to attention wearing sandals and traditional white sulus, similar to a kilt or skirt. You can watch the guards change over every two hours. Visit the waterfront at sunset or early in the morning, when the weather is cooler, the fishermen are out, and the light plays on the water.

Peter Loza and his wife, Tricia, from Whittier, Calif., try their first hamburger at Capitol Burgers in Los Angeles. (AP)

Capitol Burgers in Los Angeles By Derrik J. Lang

The Associated Press

There’s this weirdly unfounded reputation that just about everyone in Los Angeles is vegan and therefore sunbaked Angelenos only feast on the likes of kale and quinoa. Such a stereotype is antithetical to the City of Angels’ unhealthy obsession with the hamburger, an ongoing between-twobuns preoccupation that has birthed hundreds of Southern California burger joints. La La Land now is home to every imaginable make and model of burger, including the slick hipstery one at Father’s Office in Culver City and Santa Monica, a tonguein-cheek Asian-inspired burger at Spice Table downtown, the over-the-top Hollywood rendition at 25 Degrees inside the historic Roosevelt Hotel, and the kitschy Umami Burger at the chain’s multiple locations. While those are all great burgers — excellent, in some cases — they each seem unnecessarily complicated when compared to the must-eat classic served up at Capitol Burgers, an oldschool hamburger stand in a not-so-glitzy part of town that has been dishing out unadulterated yummy burgers and fries since 1965. For less than $5, visitors can drive away totally satisfied. Before gourmet chefs slathered burgers with truffle aioli and In-N-Out Burger opened a gazillion outposts, Capitol owner George

IF YOU GO Capitol Burgers: 4301 W. Pico Blvd., Los Angeles, 323-9360366 The Apple Pan: 10801 W. Pico Blvd., Los Angeles, 310-4753585 Father’s Office: 3229 Helms Ave., Culver City, Calif., 310736-2224, or 1018 Montana Ave., Santa Monica, Calif., 310393-2337

Stamos was crafting burgers for folks their way, right away. Stamos died earlier this year, but his family has kept the griddle fired up in honor of their patriarch, who immigrated to the United States from Greece. Capitol’s standard double is pure: a pair of thin, perfectly charred quarter-pound patties topped with melted American cheese, an abundance of pickles and onions, thick slices of juicy tomatoes and a layer of crunchy iceberg lettuce. It comes on a spongy white toasted bun, wrapped in waxy paper and served on a makeshift tray crafted from an old cardboard beer box. Capitol Burgers serves other eats, too. The humongous servings of salty fries retain some of their skin and are equally delicious with or without a heaping helping of fresh chili. There’s milkshakes (chocolate, vanilla, strawberry or pineapple), as well as some out-of-thisworld pastrami and tamales. However, the burger clearly is the president of this Capitol.

NEW ORLEANS PRAGUE

Secret bunker under Prague hotel opens to the public This eavesdropping station is part of an installation on display from the Cold War era at five-star Jalta Hotel in Prague, Czech Republic. (AP)

By Karel Janicek

The Associated Press

When foreigners stayed at a prestigious Prague hotel during the Cold War era, their telephone conversations were monitored by secret police in an underground bunker. The Jalta hotel at Wenceslas Square in the heart of the Czech capital was built in 1958. Its massive bunker reinforced with concrete walls was meant to provide Communist Party members and military officials a shelter in case of a nuclear attack. But it also was used as a center for surveillance operations that targeted Western visitors staying at one of the

several international hotels in Prague at the time. To mark its 55th anniversary, the 5,382-square-feet bunker since has been turned into a museum. Sandra Zouzalova, Jalta’s public relations manager, said the hotel wanted to shine a

light on the many secret activities of the Cold War era. Jalta was one of many places used by foreign diplomats where the Communists gathered intelligence. West Germany’s business office in the 1970s was one of the prime targets, she said.

“They were eavesdropping on all of the hotel rooms,” Zouzalova said. Inside the bunker is original equipment, including a switchboard, a tape recorder and numerous wires that once led to the hotel’s 94 rooms. Also on display is a floor plan that shows rooms painted in red, green and yellow. Zouzalova said the red rooms were given to highvalue targets. She said the operation didn’t cover just phone calls. Listening devices were attached to lint brushes. The bunker is open two days a week, and guests can visit with advanced booking.

Prince to headline the 20th annual Essence Fest The Associated Press

Next year’s Essence Festival is getting a dose of music royalty from Prince. The “Purple Rain” singersongwriter is headlinPrince ing the 20th annual Essence, a celebration of black music and culture being held July 3-6 in New Orleans. Prince, who performed at Essence in 2004, also headlined this year’s South By Southwest Music Festival

in Austin, Texas. His newest single, “Screwdriver,” debuted earlier this year. Still, Prince is best known for chart-topping hits such as “1999,” “Cool” and “Purple Rain.” Essence has been held every Independence Day weekend since 1995, when it marked the 25th anniversary of Essence magazine. The event includes nightly concerts at the Louisiana Superdome and empowerment seminars during the day at a nearby convention center. Organizers said the rest of the lineup will be announced later.


H8 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Travel

CURRENCY E XCHANGE

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

Euro — $1.29 Canadian Dollar — 97¢ Swiss Franc — 1.03

Mexican Peso — 0.08 Japanese Yen — 0.01 Indian Rupee — 0.02

Thai Baht — 0.03 New Zealand Dollar — 81¢ Australian Dollar — 92¢

Swedish Krona — 15 Philippine Peso — 0.02 Brazilian Real — 49

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

Alex Faerber, 4, stands in skis on the slopes at the Snowbird ski resort in Snowbird, Utah. His father, Fritz Faerber, introduced him to skiing young. (AP)

SALT LAKE CITY

Teaching young skiers: Keep the focus on fun By Fritz Faerber

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The Associated Press

hard wind pelted exposed areas of our faces with tiny pellets of sleet and drove the 16-degree air through any chink in the ski gear covering my 4-year-old son Alex and me. He’d just fallen getting off a ski lift at Utah’s Brighton Ski Resort, and I could see the tears welling up through the goggles. Swift, decisive action was essential. Minutes later, we were sharing a large hot chocolate, a plate of cheese fries and planning our afternoon away from the mountain. A full belly, time at the hotel pool and a nap rescued my future of skiing with my son from a miserable morning on the mountain. “Let’s go to Snowbird,” he replied, referring to one of the ski resorts, when I asked if he wanted to ski or go into the city on the third day of our weeklong trip. Music to my ears. I was determined to share my love of skiing with my son, but wondered if I was pushing it when I put him on the slopes at age 3. And since we live far from snowy mountains, I worried we wouldn’t get out often enough for it to take. But at 4, he showed mastery of the basics, and at 5, he can’t wait to go back. For other parents out there wondering how to ignite a love of skiing in little ones, here are some tips on what worked for us. First off, as most parents know, the kid is in charge. If he or she doesn’t want to learn, there is no amount of coaxing, bribing, pushing or fooling them into doing it. With Alex, I made sure to promote a love of snow. The sporadic snowfalls in St. Louis, where we live, always result in snowmen, snow-gorillas and other unrecognizable sculptures in our front yard. In fact, we’ve even resorted to stealing the snow from all of our neighbors’ yards, when the snowfall is too scanty for our own allotment to build anything of substance. Much like Dad, Alex loves gear. Playing with this helped build excitement for skiing. At age

A ski instructor positions Alex Faerber’s skis at a skiing class for young children at California’s Mammoth Mountain.

3, he started wearing ski goggles and helmet while riding in his car seat in the winter. Used skis and ski boots off eBay came cheap and meant he could get used to stomping around in the boots before we even left St. Louis. His very first run came at age 3 at one of those local baby slopes common near many cities — a place called Hidden Valley, just outside St. Louis. Two times up the magic carpet and then sliding down the hill supported by Dad, followed by hot chocolate and even McDonald’s on the way home. But last winter was the big breakthrough — a trip to California for Disneyland, then four days at Mammoth Mountain. For this major milestone, I turned to the professionals. “I’ve watched many a parent try to teach a kid to ski and it turns into a frustrating experience. Tears and everything, it can go badly,”

said Craig Albright, the managing director of Mammoth’s ski school. We sent Alex to Mammoth’s ski school for 3- and 4-year-olds. From the get-go, it was about getting the kids to cut loose. As parents kept track of all the loose mittens, goggles, sunscreen and assorted toys, the instructors got the kids having fun, with hot chocolate, drawings and games during registration. Then, it was out to the tiny beginner slope with a magic carpet sheltered from the wind. “Our goal is always: Snow equals fun!” Albright said. He said each kid is different: Some simply pick themselves up and dive back into it after a spill, while others tearfully announce they never want to ski again. “But when they are playing with other kids on the snow, they see other kids fall and not quit. That dynamic of being around their friends gets them going again.”

Alex spent two days in the Little Pioneers morning ski school. Each day, he spent about four hours riding the carpet and learning the difference between pizza (making a V-shape with skis, or what we called snowplow when I was a kid) and French fry (keeping your skis parallel). The 20-something ski instructors held the kids’ tips together while skiing backward in front of them — something this 40-something Dad can’t pull off anymore. He was out in time for lunch, a visit with Woolly — the plushy mascot of Mammoth mountain — and a nap. At a little more than $100 per day, it wasn’t cheap. But it turned out to be worth every penny when I used frequent flier points for tickets to Salt Lake City and got a cheap hotel on the bus route up to the ski areas in Big and Little Cottonwood Canyons. Our first and second days were at Brighton — a very family-friendly place. I liked the free lift tickets for kids 7 and younger. Alex was all grins for the nice, easy, groomed runs. The second day’s weather and spill at the lift made for a short day. But our third day at Snowbird was glorious. A slalom course on Chickadee (the bunny slope) featured a different oversize bug mascot on each gate. Alex really enjoyed rounding the bee and heading straight for the butterfly. We ended up skiing our last day at Snowbird, which, along with the attached Alta ski area, is my favorite place to ski. Alex and I rode the bigger lifts to midmountain and cruised most of the greens on the mountain. He savored the experience of always “winning” our races, since I hung back, ready to swoop down and grab him in the event of a turn toward the woods or other obstacles. In the depths of the long, cruel, snowless summer earlier this year, Alex looked at me and said, “Can we go skiing tomorrow?” “It’s too hot; there’s no snow,” I replied. “But maybe next summer we can go to South America.”

SNOWMASS, COLO.

Ski lodges going to more modern look to keep up with new breed of traveler By John Marshall

said Hugh Templeton, general manager of the Viceroy The rustic ski lodge has Snowmass in Snowmass, been a staple of ski towns Colo. “That younger person is pretty much since the first expecting to have something resort was erected on the side in their travel experience that of a mountain. reflects who they are, not who A drastic design shift has the hotel wants them to be. taken place the past few years. I think that’s been a very big Chandeliers made of antlers, change.” animal trophies on the wall, The transformation has paintings of cowboys and been relatively recent in the snow-covered buffalo are out. ski resort industry, following Clean lines, contemporary art a generational shift in clienand open floor plans are in. tele. Baby boomers grew up After decades of rustic with rustic, chalet-style ski traditions, the ski lodge is get- lodges, so ski resorts stuck ting a modernist upgrade to with those designs because keep up with the new breed of that generation was where traveler. the money was coming from. “Things are changing so But over the past several fast in our business world years, there’s been a shift that even keeping up in the as millennials came of age hotel world is very difficult,” and started spending money. The Associated Press

Shown is a seating area in the hotel lobby at The Viceroy Snowmass in Snowmass Village, Colo. The ski resort’s modern look is a contrast to the rustic decor traditional to ski lodges. (AP)

They’re more tech-savvy than their parents, and so pluggedin at home they expect fast Internet connections in hotels and plenty of cable channels.

Their tastes in design are different too, often preferring clean, minimalist decor over quaint and cozy. In response, some ski resorts feature

stone floors instead of wood, contemporary lighting and furniture, and art and decorations that are not necessarily themed on winter scenery. Hotels such as Viceroy Snowmass, Hotel Terra in Jackson Hole, Wyo., and The Ritz Bachelor Gulch in Beaver Creek, Colo., are examples of U.S. resorts that have gone a more contemporary design route. The trend is taking off internationally as well, seen in places like The Omnia, Chedi Andermatt and the W Verbier in the Swiss Alps, and the Hotel Altapura and Hotel Le Kaila in the French Alps. Viceroy Snowmass and Hotel Terra also sometimes offer a twist on the rustic look, encasing the typical-for-a-skilodge wooden beam in steel,

painting rock walls in a variety of colors, and featuring artwork with wildlife — but as abstract images instead of the typical moose standing next to a pond in the snow. Some resorts are updating in sections instead of a major overhaul to keep from overwhelming returning guests. “The aging baby boomers who are now retired, semiretired or the empty nesters, they have a little bit more of an old-fashioned design desire because of when and where they grew up,” said David Kingston, general manager of Hotel Terra. “I think the millennial population, which is large and starting to spend money, is going to dictate how seriously or deeply that design concept goes.”


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SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Rick Haglund

haglund.rick @gmail.com

GM takes a step toward equity; will the state follow suit?

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think I felt the Earth shake a bit on Tuesday. That was the day General Motors Co., once a bastion of white male power and arrogance, named Mary Barra as its first female CEO in the automaker’s 105-year history. Barra, who started her career as a co-op student in GM’s defunct Pontiac division, also is the first woman to head any major auto company. I figured we’d see a woman elected president of the United States before we would see one lead GM. The auto giant and manufacturing companies in general long have been corporate man caves. Barra’s promotion was the highlight of a big week for GM and, by extension, the company’s home state of Michigan. On Monday, the federal government announced it had sold its remaining stake in the automaker, four years after it invested $49.5 billion to bail out the company and steer it through bankruptcy. Barra, 51, now is free to lead the giant automaker with the “Government Motors” stain lifted off its hood. That’s great news for Michigan, which depends on a healthy domestic auto industry to drive its economy. And a study released Wednesday outlined a strategy for the state to capture even more auto investment, especially in advanced automotive technologies. The report by Business Leaders for Michigan said the state could add as many as 100,000 new jobs in the development of lightweight materials, advanced powertrains and interconnected vehicles, such as self-driving cars. But Michigan will face stiff competition for those jobs from other tech-savvy regions, including California’s Silicon Valley and the German state of Bavaria. Creating a talent pipeline and attracting more young people to auto careers will be a key element in maintaining a vibrant industry in the state, according to the Business Leaders for Michigan report. Barra’s rise to the top at GM, which drew global news coverage, sends a message that the auto business is transforming and finally embracing talented women. But Michigan needs to send a clearer message that it welcomes women, gays, immigrants and people of color the auto companies want and need to help them better establish a diverse market for their cars and trucks. Unfortunately, the state Legislature is spending too much time on issues such as restricting abortion and same-sex marriage that signal Michigan is not welcoming to everyone.

The high-intensity group workout sessions at CrossFit AZO have gained popularity in the Kalamazoo area since the fitness center opened in 2010, which has allowed it to expand its gym with another 3,000 square feet. The expansion will be finished in January. (Christina Cantero/MLive.com)

PORTAGE

CrossFit gains popularity locally, reflecting international trends By Christina Cantero

O

ccantero@mlive.com

ne year ago, Amy DiMaggio hated the thought of working out, and even more so the thought of lifting weights. Today, DiMaggio is one of about 150 members at CrossFit AZO, the first affiliate gym of CrossFit Inc. to open in the Kalamazoo area. “CrossFit has changed my life,” said DiMaggio, who added she has found “a new family” at CrossFit AZO. The gym, on 1176 Gernaat Court off Lovers Lane in Portage, has experienced a rapid increase in membership since it opened in 2010, according to owner Erin Carlson. “We started out with 10 members and, today, we have over 150,” Carlson said. The membership increase has allowed CrossFit AZO to expand its gym with another 3,000 square feet starting January, making it the largest affiliate gym in the Kalamazoo area with close to 9,000 square feet. CrossFit Inc. was established in 2000, and the fitness company now has more than 8,000 affiliate gyms worldwide. “The number (of affiliate gyms) is doubling every 18 months,” said CrossFit Inc. Spokesperson Russ Greene, who works for the company’s headquarters in Santa Cruz, Calif. “CrossFit is exploding everywhere.” For members at CrossFit AZO in Portage, it’s the community feeling, in addition to the highintensity exercise program, that keeps them com-

CrossFit Inc. was established in 2000, and the fitness company now has 8,000 affiliate gyms worldwide.

ing back for more. CrossFit AZO is located in a rugged garagestyle gym, known as a box, equipped with simple workout tools such as kettle bells, pull-up bars and rowing machines. “We hold each other accountable,” said Carlson, who added that creating community is an important part of the workout, as members will motivate and cheer each other on. She also said CrossFit AZO’s members are diverse, varying in age, professions and in their experience with CrossFit. “We have doctors, nurses, soccer moms, students and retired people that come and work out here,” Carlson said. She added that new CrossFit AZO members are required to do a fitness screening before they

can start their membership in order to prevent injuries. “The most important thing for people who start out (with CrossFit) is to seek someone who can teach them proper form,” said Carlson. “You have to have proper load and form — if not, you will get injured.” CrossFit enthusiast Pete LaRouech from Climax-Scotts, is an active member of CrossFit AZO who recently became the Michigan State Powerlifting Champion for his weight and age class. “CrossFit is a community workout,” said LaRouech, 66, who added that, instead of competing against each other, members compete against themselves. “We cheer each other on, and that’s a support you don’t get in most gyms.” CrossFit 269, on 1919 E. Kilgore Service Road, was the second CrossFit box to open in the Kalamazoo area. The owner of CrossFit 269, Jack Kelly, said the box has experienced membership growth over the past year, and has doubled in space since it started in August 2012. “We started out with 20 members one year ago, and, as of Nov. 14, we have 80 members,” Kelly said. Kelly said the community feeling CrossFit members get differs from the atmosphere at other gyms. “The CrossFit community has a saying: ‘Come for the workout, stay for the community,’” said Kelly, who added that the CrossFit community is very welcoming wherever you go.

PEOPLE ON THE MOVE • Erik Cummings has joined Accu-Mold LLC. He has been named vice president of sales for Lifts, Ladders and Dock, a subsidiary of Accu-Mold LLC, a plastics injection mold company at 7622 S. Sprinkle Road in Portage. Cummings has 11 years of experience. • The Ayres-Rice Insurance Agency, a Schoolcraft-based independent insurance agency and division of The Ayres Group, has two new employees. Rose Brenner has joined the agency

Cummings

Brenner

as a licensed personal lines customer service representative. Brenner has 37 years of experience in the insurance industry in the Kalamazoo area, with a certified insurance counselor designation specializing in

Ashcraft

Kellicut

personal lines exposures. • Timothy Ashcraft has joined The Ayres Group as operations manager. The Ayres Group is an independent insurance group with several loca-

tions in Southwest Michigan, including the Ayres-Rice Agency in Schoolcraft and Ayres Insurance in Sturgis. Ashcraft has 34 years of insurance industry experience. He has a bachelor’s degree from Ferris State University, insurance license in property and casualty and the certified insurance counselor designation. • Jordan Kellicut has been named senior minister of Oakland Drive Christian Church, at 7331 Oakland Drive in

Portage. Kellicut most recently was senior minister at Big Spring Church of Christ in Tennessee. He served in various ministry roles there before being named senior minister. He has a bachelor’s degree from Great Lakes Christian College in Christian ministries and biblical theology, as well as a master’s degree in divinity from Emmanuel Christian Seminary. Oakland Drive Christian Church was founded in 1961 and has 119 members.

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Business Dave Ramsey

Pause investing to repay your debt Q

What would you recommend for 401(k) contributions while getting out of debt?

I recommend putting Ainvesting a temporary stop to while you’re getting

out of debt. Lots of people are shocked by this advice, because they’re afraid of missing out on the wonders of compound interest or their employer’s match. But the key word here is “temporary.” Millions of people have followed and been successful with the program found in The Total Money Makeover. The first step, Baby Step 1, is to save $1,000 as a starter emergency fund. Baby Step 2 is pay off all of your debts, except for your house, from smallest to largest with the debt snowball plan. During this time, you’re attacking your debt with incredible intensity and putting every penny you can scrape together toward knocking it out. The average person working my plan can pay off all their debt, excluding their home, in 18 to 24 months. Some folks can do it faster, and for some, it takes a little bit longer. But during this time, I want your financial focus to be squarely on getting out of debt. Once that’s done, you’ll find that you have a lot more control over your biggest wealth-building tool: your income. Many times in life, we try to accomplish too many things at once. One problem with this is often it diminishes our ability to focus. When you nickel-and-dime everything, the result is that nothing gets done very well. You need to really move the needle and see results because personal finance is 80 percent behavior and only 20 percent head knowledge. It’s not really a math issue, because if you’d been doing the math all along, you wouldn’t have a bunch of debt. That’s why, for a short time, I want you to concentrate with laser intensity on knocking out debt. Once that’s out of the way, you can pour even more money into saving, investing and achieving financial peace.

SAVINGS AND SECURITY My wife and I make about $100,000 a year. We have $63,000 in the bank, and we owe $47,000 on our home. The house is worth about $250,000, and it’s our only debt. We’d like to go ahead and pay off the house, but we’re worried about depleting our savings to that extent. What would you do?

Q

If I were in your situation, Athe house. I’d cut a check and pay off

Keep in mind that by doing this we’re not saying you’ll keep your savings at that lower point. Once that mortgage payment is off your backs, you’ll be able to save more and save faster than ever. That’s my advice. Pay off the house and become completely debt-free today. You’ll still have $16,000 in the bank and a six-figure income. It won’t take you long to rebuild your savings back to what you had before, if that’s what you both want. You could do it in just a few months. I’m looking at this as an opportunity to achieve the kind of financial independence everyone wants but few actually have. Go for it!

Dave Ramsey can be reached at askdave@ daveramsey.com.

BATTLE CREEK

FireKeepers Casino Hotel to renovate its main lounge area

L

MLive.com

ess than four years after its opening, FireKeepers Casino Hotel is planning renovations.

The casino’s management announced plans to renovate the property’s Kabaret lounge, a mainstay for live entertainment, including local bands, comedians and DJs. The lounge will be closed the first week of January to begin the renovation and reopen at the end of March. “It has been the vision of the (Nottawaseppi Huron Band) Tribal

Council to be Michigan’s casino of choice by providing an exceptional gaming and entertainment destination,” said R. Bruce McKee, CEO of FireKeepers Casino Hotel. “To achieve this, we must continue to provide a fun, friendly, vibrant and upscale atmosphere by improving the facility and the amenities we offer.” The casino and hotel are owned and operated by the Nottawaseppi Huron Band of the Potawatomi Indians. Its tribal council makes policy decisions and sets its direction.

An artist’s rendering of the renovated Kabaret Lounge inside FireKeepers Casino Hotel, shows that it will include enlarging the lounge for additional seating, including additional bar-top seats, and a more open and inviting floor plan, as well as a state-of-the-art bar and a small performance stage designed to accent local acoustic style entertainment. (Courtesy)

including additional bar-top seats, and a more open and inviting floor plan to help set a more Las Vegasstyle atmosphere. NEW FEATURES

Renovation plans include enlarging the lounge for additional seating,

It also will feature a state-of-the-art bar and a small performance stage designed to accent local acoustic style entertainment. Opened on Aug. 5, 2009 at a cost of more than $300 million, FireKeepers Casino features a 111,700-square-

analyst with the W.E. Upjohn Institute for Employment Research, is scheduled to present the 2014 Economic Outlook for Calhoun County on Jan. 16 in the Branson Ballroom at McCamly Plaza Hotel in Battle Creek. The event will begin with a continental breakfast at 7 a.m., with the program running 7:30 to 9 a.m. Sponsored by the Battle Creek Community Foundation, Battle Creek Unlimited, Consumers Energy and Semco Energy, the event is free and open to the public, but reservations are requested no later than Jan. 10 by contacting Paula Young at 269-4411667 or young@bcunlimited.org.

of the American Society for Hematology in New Orleans. Phase II findings in the company’s first-in-class BCL2 targeted IV drug were presented in a session on novel therapies for lymphoma. The drug being studied, called PNT2258, “is a promising novel approach to treating lymphoma and cancer therapy,” principal investigator Dr. Ayad Al-Katib said in a news release. “This is exciting and offers hope to our patients whose tumors have failed to respond to other therapies.” Al-Katib is director of St. John Providence Hospital and Medical Center’s Van Elslander Cancer Center in Detroit.

• ProNAi Therapeutics Inc., of Kalamazoo, presented safety and efficacy data on Dec. 8 from its ongoing Phase II study of a new treatment for lymphoma at the 55th annual meeting

COMMUNITY MINDED • Four United Way organizations in Southwest and South central Michigan have teamed up with three Michiganbased Fortune 500 firms — Consumers

THE PLANS

foot gaming floor with 2,900 slot machines, 70 table games, a live poker room and a bingo room. Its resort-style hotel, which opened on Dec. 12, 2012, has 242 rooms and was part of an expansion that included a multipurpose event center capable of seating as many as 2,000 guests. The property also has six restaurants and multiple lounges and entertainment venues. It is located off I-94 at Exit 104 in Battle Creek.

AT THE WATERCOOLER WORTH PRAISE • Interior Design Magazine has awarded a Best of the Year Award to Landscape Forms’ Olithas, for best new product in 2013 in the furniture/outdoor/tables category. Introduced last summer, Olithas is an outdoor table and bench with a thin fluted MeldStone top and seat that re-imagines what cast concrete can be. The Olithas collection is part of Terrace Life, Landscape Forms’ lifestyle furniture designed specifically for terraces, rooftop gardens and other private and protected spaces. The name combines the Greek word “lithos,” meaning stone, and the Spanish word “olita,” meaning tiny wave. Landscape Forms designs furnishings for public spaces. WORTH NOTING • George Erickcek, senior regional

Energy, Kellogg Co. and Whirlpool Corp. — to advance corporate social responsibility goals that benefit communities locally, regionally and nationally. The joint effort involves United Way of the Battle Creek and Kalamazoo Region, Capital Area United Way, United Way of Jackson County and United Way of Southwest Michigan. It’s part of a two-year United Way Worldwide initiative, called the Corporate Engagement Partnership, to encourage broad-based strategies that tackle social needs by linking United Way chapters and corporations. Initially, the Michigan partnership will focus on growing relationships with the three companies, with whom strong connections already exist. Each United Way’s senior leader serves on the coordinating team, along with representatives from the partner companies.

Kim Komando

Must-have features for your smartphone

A

the best resolution and most pixels per inch. The LG G2 and Nokia Lumia 1020 are close behind, but it’s Samsung’s super AMOLED display technology that sets it ahead. While screens on the iPhone 5S and 5C can’t match the size or pixel den1. A LONG-LASTING sity of their competitors, it’s BATTERY still a high-resolution display, and many people prefer Your smartphone could have a shrink ray or turn lead it for its color accuracy. into gold, and it still would be 4. A GREAT CAMERA useless without juice. There You don’t have to be a pro are ways to boost the life of your gadget, but at the end of photographer to see the difference between modern the day, a larger battery will phone cameras and the ones last longer. on your old flip-phone. A The Droid Maxx is the great camera is important undisputed king of batterfor more than just photos. ies. It will get you close to You also can use your cam48 hours of use. The Galaxy Note 3 has a respectable bat- era for other surprising things, such as visual search. tery life at 12 to 16 hours of Nokia’s Lumia 1020 use, but it’s still well behind includes an elite Zeiss lens, the Maxx. The iPhone 5S is image stabilization and a around 10 hours, and the whopping 41 megapixels. Samsung Galaxy S4 brings It’s clearly the best camera up the rear at nine hours. phone because it’s more 2. WARP-SPEED camera than phone. PROCESSING The iPhone 5S and the HTC One also are very Speed still is the ultimate respectable shooters. Their prize in the smartphone image sensors have larger arms race. You notice when pixels, which gives you betapps lag or when swiping ter color range and excellent takes an eternity. low-light images. The iPhone 5S is the fastest smartphone on the mar— Copyright 2013, ket. Its A7 chip is light-years ahead of fast phones such as WestStar Multimedia Entertainment. All rights the Samsung Galaxy S4 or reserved. Motorola Moto X. ny smartphone has a gimmick. But you can live without many of the features. So which features do you need and which are the icing on the cake? Here’s a ranking of useful features your smartphone needs to have:

3. CRYSTAL-CLEAR DISPLAY

Smartphones are as much about enjoying media as they are about communicating. You watch movies, play games and view photos on your mobile screen, and you want the crispest display around. That award goes to the Samsung Galaxy S4. It has

Kim Komando hosts the nation’s largest 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.

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4751548-02


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THE WEEKLY GUIDE TO MANAGING YOUR MONEY

WSJ.com/Sunday

Home for the Holidays? Ask Mom to Tell You a Story.

The economic downturn, steep health-care costs and longer lives may mean less money being left to baby boomers by their parents—but boomers are unlikely to complain about that. Why? It turns out it isn’t about the money. Instead, baby boomers and elder Americans say personal keepsakes, family stories and last wishes are a far more important bequest than money. Here’s something to think about as multiple generations of your family gather over the holidays: Fully 86% of baby boomers and 74% of Americans aged 72 and older said family stories and keeping their family history alive is the most important piece of their legacy, according to a 2012 survey conducted for insurer Allianz Life Insurance. Some 64% of boomers and 58% of elders said family mementos and heirlooms are a key inheritance. Just 9% of boomers said they’re eager to inherit money, and 14% of elders said financial assets are an important legacy to leave. The findings closely matched a similar Allianz survey in 2005. “The things that make your family unique—not money, but stories and personal possessions—those are most important in the legacy discussion,” says Katie Libbe, vice president of consumer insights for Allianz Life, in Minneapolis. But there are two problems: Families often fail to record their histories, so stories tend to die with aging relatives, and family mementos are among the most common causes of conflict after a relative dies. “It’s never about the money. It’s always about the tangible personal property,” says Mary Jane Olsavsky, a manager of PNC Wealth Management’s Pittsburgh estate-settlement

group who for almost 25 years has worked with families to distribute estates. To avoid problems, consider the following steps.

1

Start talking. As you develop your estate plan, find out who among your family members might like specific keepsakes. If you have aging parents, consider broaching the topic: What items would they like to give to whom? Parents who create a mechanism for disposing of keepsakes go a long way to prevent conflict later, says Malcolm Greenhill, a certified financial planner and president of Sterling Futures in San Francisco. He describes a situation where parents left a treasured vacation home to their children to share. One sibling, in need of cash, wanted to sell the property; the others wanted to keep it. The dispute resulted in professional mediation. To avoid that situation, the parents should have talked with their children individually and as a group, Mr. Greenhill says. “You sort this all out beforehand and then you make it public. ‘This is what we’re going to do and here are the reasons for it.’ ”

2

Create a memorandum. To ensure your financial wishes are carried out, your estate plan should include a will, possibly a trust, a power of attorney in case you’re incapacitated, a health-care power of attorney and a living will that clarifies your wishes with regard to end-of-life care. But given that family heirlooms can spark fiery conflicts, create a memorandum that details how you want to divvy up your personal property. “Most people’s wills, the language is very general,” says Kate Byrne, a Pittsburgh-based

A modest rise on Friday the 13th did little to stem a four-day slide in the Dow Jones Industrial Average. The Dow is down 2% for December, but remains up 20% for the year.

16100 0 0 16000

Consider hiring a professional executor. Choosing your estate’s executor is tricky business. You’re giving power to one family member—that can lead to arguments. To keep things fair, some people name co-executors, but that gets complicated, too. For example, they may all need to appear in court or show up to sign documents, Ms. Byrne says. Remarriages are another source of complications: a stepsibling’s actions may not be viewed as fair by family from a previous or later marriage. In such cases, hiring a corporate fiduciary as executor through your bank or trust company may make sense.

senior wealth planner at PNC Wealth Management. “ ‘I give my tangible personal property to my wife and kids.’ The best thing to do is to have a memorandum with your will.” The memorandum describes who shall receive specific items. The will then references the memorandum; for example, “I direct my executor to distribute my tangible personal property in accordance with a signed and dated memorandum to be found with this will.” Relatives may be unhappy with your decisions, but they’re less likely to be angry at each other. Make sure your executor

BY DANIEL LIPPMAN

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How to Make A Career Fair Worthwhile

INVESTOR’S CALENDAR Down Week

“If your legacy is that you’d like your family to remain a harmonious unit, then plan to treat them equally, so you don’t cause that discord that can occur if one of the children thinks they’ve been slighted by a parent,” Ms. Olsavsky says.

Dennis Auth

BY ANDREA COOMBES

2 3 4 December

Source: WSJ Market Data Group

THIS WEEK  Taper Talk: Federal Reserve officials meet this week, having yet to signal clearly whether they will scale back their $85 billion-a-month bond-buying program. Chairman Ben Bernanke holds a news conference Wednesday.  Social Security Hearing: The Social Security, Pensions, and Family Policy Subcommittee of the Senate’s Committee on Finance will meet Wednesday to examine the role of Social Security, defined-benefit plans and private retirement accounts in relation to the retirement crisis.

Wall Street Journal Sunday writers regularly contribute to the Journal’s weekday “Your Money Matters” personalfinance podcast. Listen at WSJ.com/Podcasts  Indicators: Core consumerprice numbers for November are due out Tuesday. Housing starts for November are due Wednesday, and existinghome sales for the month on Thursday.

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9

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The Wall Street Journal

 Earnings: Oracle, FedEx, General Mills, Nike, Carnival, Accenture, Walgreen and BlackBerry are to report.

LAST WEEK  Budget Vote: The House passed a budget bill designed to avoid a government shutdown next month and relax spending limits in the next two years. The bill passed 332-94, with a wide bipartisan margin.  Privacy Online: Eight U.S. technology giants—Google, Facebook, Apple, Microsoft, Twitter, Yahoo, LinkedIn and AOL—are issuing an open letter to President Obama and members of Congress along with a set of reform principles they say will better safeguard the information of Internet users, following a stream of disclosures about actions by the National Security Agency.  Promoted: Auto maker General Motors named its first female chief executive, company veteran Mary Barra.  New Rule: Financial regulators approved the Volcker rule, which aims to curb bank risk-taking.

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

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Lots of students and out-ofwork adults go to career fairs looking for a job, and all too many of them drop off résumés never to hear TIP OF from anyone. THE WEEK That’s a shame, because there are steps anyone can take to get the most out of these events. First, “you need to know what your pitch is,” says New York-based career counselor Eileen Sharaga, so you can give potential employers a quick summary of your experience, what kind of job you’re looking for and how you could help the company. Although there may be many employers at the fair, “you need to know what kinds of jobs you’re looking for” and be judicious about the companies you target, says Ms. Sharaga. The career fair’s website will usually have a guide to participating employers, so research them beforehand, says Gihan Fernando, executive director of the American University Career Center. Find out what the proper dress code is so you don’t show up in a suit and tie while everyone else dresses casually, or vice versa. Bring at least 20 or 30 printed résumés so you have enough to pass out. While you might speak to recruiters for only a couple of minutes, “consider it a job interview,” says Rosemary Haefner, a vice president at CareerBuilder. Use these encounters to demonstrate your strengths and show how you’d fit in to the firm. Ask recruiters about their background at the company, how they started, what the work environment is, and whether there are openings matching your qualifications. Be sure to get the business cards of the people you speak with so you can email afterward and thank them for their time. That will also jog their memory about what you both talked about, says Ms. Haefner. Don’t be shy about following up several times with many employers to maintain those newly made connections, says Mr. Fernando.

knows where to find the memorandum, and be specific about items. In one example, a woman said her diamond ring should go to a daughter, but she didn’t clarify which diamond ring, says Ms. Olsavsky. Attaching photos of the item and referencing each photo in your memorandum can help. Another way to prevent arguments after you’re gone: Give items away before you die. But be wary of gift taxes, warns Ms. Byrne. In the memorandum, you aren’t likely to list all of your possessions. A common approach to deal with the remain-

ing items is that each relative, starting with the oldest child, gets to pick one item, and then they go around the room again. In family disputes, Ms. Olsavsky says, one option is to have all the items put up for auction. Family members can bid on what they want. The money goes back to the estate to be divided equally.

3

Avoid fomenting discord. Got a favorite niece or grandson? Consider demonstrating that affection before you die—and make your postdeath division of property more equitable.

5

Share your values. Sharing family values can be among the most treasured of bequests. An ethical will, which might be a one-page document or a bound book and isn’t legally binding, lets you pass along your life story and values. While an ethical will can take many forms, often it’s a letter tucked in with the will. These can be tough to write. The frequently-asked-questions page at PersonalLegacyAdvisors.com can help you figure out how to create an ethical will. Another idea: A journal that prompts you to write down information such as the location of important financial documents and your wishes for your family. See the “When I’m Gone” journals at JournalsUnlimited.com. andreacoombes@outlook.com

THE AGGREGATOR

Court Takes 401(k) Case

The U.S. Supreme Court Friday agreed to rule on when workers can sue their employer over losses to 401(k) funds containing shares of a company’s own stock. The court agreed to hear an appeal brought by Cincinnati-based Fifth Third Bancorp, which is fighting a class-action suit alleging it violated a federal law on employee benefits by allowing workers to continue investing their retirement savings in the company’s stock at time when the shares were allegedly too risky. According to court documents, the price of Fifth Third stock declined 74% during the two-year period covered by the lawsuit, which is led by former Fifth Third employees. Lower courts disagree over what employees have to prove in order to establish that an employer violated its duty to run a retirement plan prudently. The bank argues that a lower court made it too easy for employees to pursue the case. —Brent Kendall WSJ.com

Net Worth Hits Record

The stage could be set for stronger economic growth next year, as a surging stock market and rising home values have helped Americans recoup nearly all the wealth they lost in the recession. The net worth of U.S. households and nonprofit organizations—the value of homes, stocks and other assets minus debts and other liabilities—rose 2.6%, or about $1.9 trillion, in the third quarter to $77.3 trillion, the highest on record, says the Federal Reserve. The Fed’s figures aren’t adjusted for inflation, but even after accounting for rising costs Americans’ net worth is at record levels. —Neil Shah The Wall Street Journal

Help Wanted

Two reports out last week confirm that businesses are loosening up their hiring plans—but it’s getting harder

Stat of the Week Retirement Readiness: Many Americans from all generations are not on track to cover their required living expenses in retirement, such as housing, food and health care. Generation Y (Born 1978-1988)

52%

Generation X (Born 1965-1977)

45%

Baby Boomers (Born 1946-1964)

30%

10% 6% 13% 18%

12%

16%

33% 29% 36%

Very Good or Better (on track to cover 95 percent or more of all expenses) Good (on track to cover essential expenses, but not discretionary ones) Fair (not on track, modest lifestyle changes likely) Poor (not on track, significant lifestyle changes likely) Note: Figures don’t add up to 100% due to rounding Source: Fidelity Investments online survey of 2,265 working households, age 25 and older earning at least $20,000 annually from June through October. Margin of error is +/– 2.06 percentage points The Wall Street Journal

to find the best worker. The Labor Department reported that job openings in October increased to a high for this recovery. Nonfarm entities had 3.925 million unfilled positions at the end of October, up 7.7% from yearearlier levels. The National Federation of Independent Business reported that 23% of its members had positions they could not fill in November. —Kathleen Madigan Real Time Economics blog WSJ.com

The Gender Gap Persists

Young women entering the workforce have the narrowest pay gap with men they likely will see in their careers—which may explain their less-than-sunny outlook on workplace equality, according to a study from the Pew Research Center. For workers of all ages, the gender pay gap in the U.S. has barely budged in almost a decade, based on government data on median annual earnings. Researchers at Pew, analyzing hourly earnings, found that women aged 25 to 34 years made 93 cents for every dollar men did in 2012. That gap widened for all workers 16 and older: Women earned 84 cents for each dollar men did last year. —Brenda Cronin Real Time Economics blog WSJ.com

Carriers Unlock Phones

The major wireless carriers and the Federal Communications Commission unveiled a voluntary agreement that will allow consumers to unlock their cellphones and continue using them when they switch providers. AT&T, Sprint, T-Mobile US, U.S. Cellular and Verizon Wireless have signed on to the pact, which requires carriers to unlock devices or ask the maker do so within two days of a consumer’s request. Providers that lock phones must notify consumers when their devices are eligible for unlocking, typically at the end of a wireless contract. —Gautham Nagesh The Wall Street Journal

Santa’s High-Tech Aids

In dozens of U.S. shopping centers, small gadgets are keeping tabs on shoppers’ cellphones, while other devices identify their movements, helping retailers track shoppers’ behavior. The Future of Privacy Forum, a Washington, D.C., think tank, says about 1,000 retailers have installed such sensors. —Elizabeth Dwoskin And Greg Bensinger The Wall Street Journal The Aggregator features news and commentary from The Wall Street Journal and other publications. Email: lindsay.gellman@wsj.com


WSJ 2

SUNDAY, DECEMBER 15, 2013

PERSONAL BUSINESS

Holiday Gifts for the Money-Minded BY SIMON CONSTABLE

If there’s one time of year when people are apt to break the budget, it’s Christmas. Here are some gifts that at least stand a chance of nurturing the money-savvy gene. What’s more, we have a gift idea for pocketbooks of all sizes. One Antarctic Dollar ($1) Giving cash is an old standby, but often not special. So what about beautiful currency from far-flung lands? Consider buying Antarctica dollar bills, at one per U.S. dollar (plus shipping direct from www.bankofantarctica.com). These notes, produced to commemorate the centennial of the 1911 Amundsen expedition (the first humans to reach the pole), sport stunning pictures of penguins in their natural habitat, the Antarctic. But there’s a catch: “Our bills are not legal tender money of Antarctica or anywhere else,” states the Antarctica Overseas Exchange Office, which controls the funny money. That said, the notes are redeemable one-for-one for U.S. dollars until their expiration date (printed on each bill).

2

Piggy Bank ($20) There is a reason that piggy banks remain popular with young and old alike. They help make saving pennies, nickels and dimes easy, and—dare I say it—fun. But why pay shedloads of cash for a fancy one—and violate the penny-pinching spirit— when you can decorate your own for less? Instead, consider one with a chalkboard surface that you can draw on, clean and then redraw to your heart’s content. There is a wide selection, including the CapitaLIST Pig. It’s available from various web outlets, including Fab.com, Fancy.com and Amazon.com.

3

Vintage Monopoly Set from the 1930s to 1940s ($40+) Who doesn’t love playing Monopoly? The board game was born in the Depression years and provides instant lessons in

CapitaLIST CapitaLIST Pig, Pig, Monopoly: Monopoly: Courtesy Courtesy of of David David H Grimes, Grimes, Money Money clip; clip; Tiffany, Tiffany, Co. Co.

1

how to make a buck. If regular Monopoly is fun, then surely a vintage set dating back decades has to be better. You’ll find buying an old or vintage set surprisingly inexpensive: You can get a used set from the 1930s for around $40 on eBay.com. You can also pay into the hundreds of dollars for mint-condition sets.

4

Sterling-Silver Tiffany Money Clip ($170 plus $30 to engrave) Few things say “stylish, Old World gentleman” and “financial responsibility” quite like an engraved money clip. (Sterling means the silver is at least 92.5% pure.) Expect this potential heirloom to get better with age as it

develops a soft patina from rattling around your loved one’s pocket. That “soft” shine comes from lots of tiny scratches in the surface of the metal. Make it extra special by giving an Antarctica dollar bill with it (see above).

5

Rare Economics Books ($7,500 to $10,000) If you’re willing to drop a small fortune, consider giving a rare and collectible economics book. A 1936 first edition of John Maynard Keynes’ classic “General Theory” will set you back around $10,000, says Matthew Raptis, proprietor of Brattleboro, Vt.-based Raptis Rare Books. Of course, Keynes famously argued that government spend-

ENCORE

ing could rescue a flagging economy, a contentious assertion to this day. If Keynes doesn’t fit your ideology then try a first edition of Milton Friedman’s classic, “A Monetary History of the U.S.,” at around $7,500. Along with coauthor Anna Schwartz, Friedman gave birth to the monetarist school of economic thought. Socalled free-marketeers tend to love Friedman and Schwartz. Buyers of these classic texts are generally hedge-fund managers and other Wall Street executives, and they tend to favor Friedman over Keynes, Mr. Raptis says. Mr. Constable is the host of WSJ Live’s News Hub show, which airs weekdays at 8:30 am ET on WSJ.com.

AL’S EMPORIUM

Happy Birthday, Ms. Barra BY AL LEWIS

Mary Barra, the new chief executive of General Motors, was born on Sunday, Dec. 24, 1961, the same day as me. When you are born on this day, you don't grow up expecting anything to be handed to you. If anyone gives you a gift, they say, “Here, this is for Christmas and your birthday.” I bet this keeps Ms. Barra humble. Over the past week, she became a powerful symbol of everything GM has done right since its emergence from bankruptcy in 2009. She is nothing like the outof-touch suits who had slowly brought GM to ruin. Her father worked at GM as a tool-and-die maker. She started working there as an intern 33 years ago. She earned a bachelor’s degree in electrical engineering from Kettering University and an M.B.A. from Stanford University. She led development of the auto maker’s new truck line, its seventh-generation Corvette, some retooled Cadillacs and the 2014 Impala—all critically acclaimed successes. GM reported a $4.3 billion profit for the first nine months of this year. Ms. Barra was a key part of the management team. But here’s a little advice from one 1961-vintage Christmas Eve baby to another:  Don’t start believing the headlines about GM’s turnaround. It wasn't so terribly amazing, given a $49.5 billion bailout. Additionally, the bankruptcy process allowed GM to ditch tens of billions in debt, shutter rusting plants and abandon thousands of employees. Most struggling businesses could succeed for a long time if they could get rid of their costs.  Remember that car sales have been up because interest rates have been down. Nothing’s changed since the 2008 financial crisis—except fewer people have good-paying jobs. Easy credit is what sells cars.

 Don’t brag about stock performance. GM stock trades around $40, about 21% above its 2010 initial public offering price. The stock market, since that time, has risen more than 50%.  Remember that to many people, GM will always be “Government Motors.” The Treasury, which once owned nearly 61% of GM’s stock, recently sold the last of its shares, culminating in a $10.5 billion loss to the taxpayers. When Mitt Romney was running for president, he called this “crony capitalism.”  Always be ready to prove that the bailout was worth it. Start with this: The Center for Automotive Research in Ann Arbor, Mich., released a report last week concluding that the bailout of GM and Chrysler saved 2.6 million jobs and that a collapse would have cost the government $105 billion in reduced tax and Social Security collections.  Market the Chevy Volt as a workingman’s Tesla. For all the hype about Tesla, it just makes pricey electric toys for rich kids.  Sell the Corvette as a midlife crisis for people who can’t afford Lamborghinis. A more complete package would include hair-replacement solutions.  Advertise the Camaro like this: “You’re never too old to drive the car you wished you had in 1969.”  Don’t engage in discussions about women CEOs. It’s not productive. No woman could ever screw up GM as much as a man. Enough said.  Correct people who say “she’s a car guy.” People don’t say things like this about men. No one ever said of Lululemon founder Chip Wilson: “He’s a yoga-fashion gal.”  Remember, you’re not special. You are the fifth CEO at GM in four years. And like me, you’ve probably spent a few birthdays competing for attention with baby Jesus.

Al Lewis is a columnist based in Denver. He blogs at tellittoal.com; his email address is al.lewis@tellittoal.com

CAREERS

IRA Charity Provision Expires Soon Be Your Own Brand, and Promote It Time is running out for a popular tax provision that allows owners of individual retirement accounts who are 70½ or older to save on taxes when donating to charity. The provision, which expires Dec. 31 (though Congress could reauthorize it), allows individuals ages 70½ or older to donate up to $100,000 of IRA assets to charity without reporting the withdrawal as taxable income. By reducing taxable income, the provision can help retirees avoid or reduce a host of taxes and penalties—including many tax increases that took effect this year. It can also count toward the annual required minimum distribution that people 70½ or older must take from a traditional IRA. Those who are charitably inclined are likely to fare better with the charitable IRA rollover provision than they would by withdrawing money from their IRAs, paying income taxes, and writing checks to charity, says Ed Slott, an IRA expert in Rockville Centre, N.Y.

Consider what would happen with a $10,000 gift to your alma mater. If you don’t itemize your deductions, you would normally receive no tax break for the gift. But under the charitable IRA rollover provision, the $10,000 won’t be included in your income. Assuming you are in the 25% tax bracket, that would save you $2,500. If you itemize, you won’t receive a deduction. But the $10,000 IRA withdrawal won’t inflate your taxable income, either. That may help you keep your adjusted gross income below the thresholds at which you would lose some of your deductions and other tax benefits. For example, individuals with more than $200,000 of adjusted gross income and couples with more than $250,000 are subject to the new 3.8% tax on net investment income. Individuals with AGI above $250,000 and couples above $300,000 now start losing personal exemptions and itemized deductions. As income rises, you can also lose deductions for medical expenses, casualty losses and miscellaneous itemized deductions.

The rollover provision can also help taxpayers avoid or reduce taxes on Social Security benefits and avoid higher Medicare Parts B and D premiums, which kick in when adjusted gross income exceeds $85,000 for individuals and $170,000 for couples. To take advantage of the provision, you must be 70½ or older on the day you make the gift. Instruct your IRA custodian to directly transfer the money by Dec. 31 to a qualified charity. Private foundations, donoradvised funds and supporting organizations are not qualified charities, says Conrad Teitell, an attorney at Cummings & Lockwood in Stamford, Conn. The charity must acknowledge the gift in writing, and you cannot receive anything in return. Some prefer to donate appreciated securities from outside their IRAs to take a deduction for the fair-market value while avoiding the capital-gains tax. To see which approach benefits you more, do the math, says Mr. Teitell. Email: encore@wsj.com

TAX TIP

Is There a Tax Break in Your Garage? BY TOM HERMAN

If you use your car for business purposes, you may be eligible for a valuable tax deduction. You might also be eligible if you use your car—or some other type of vehicle, such as a van or truck—for medical purposes, moving or to help charitable organizations. Just be sure to keep good records. It also might help to be aware of a choice you have in calculating your deduction. The easy way is to use the Internal Revenue Service’s optional standard mileage rate. The other option: Deduct your actual expenses. Here are a few details. A few days ago, the IRS announced the optional standard mileage rates for next year:  56 cents a mile for business miles driven, down from 56.5 cents a mile this year.  23.5 cents a mile for medical or moving purposes, down from 24 cents a mile this year.

 14 cents a mile driven “in service of charitable organizations.” The IRS said the standard mileage rate for business is “based on an annual study of the fixed and variable costs of operating an automobile.” The rate for medical and moving purposes is “based on the variable costs” of operating a car. The rate for helping charities is set by statute. If you conclude these rates are too stingy, consider deducting your actual expenses, such as oil, gas, tolls and many other items. (See IRS Publication 17 for more information.) If you use your car for both business and personal purposes, divide your expenses accordingly. The IRS offers an example: You are a contractor and drive your car 20,000 miles during the year, but 8,000 miles are personal use. You can claim only 60% of the costs (12,000 is 60% of 20,000) of operating your car as a business expense. Warning: This can be a sur-

prisingly complex area, including just figuring out the basic question of who is eligible. You may need to consult a trusty tax professional. Most employees and self-employed workers should look at “Figure 26-B: When are Transportation Expenses Deductible?” in IRS Publication 17. “Daily transportation expenses you incur while traveling from home to one or more regular places of business are generally nondeductible commuting expenses,” the IRS says. But there are “many exceptions for deducting transportation expenses, like whether your work location is temporary (inside or outside the metropolitan area), traveling for [the] same trade or business, or if you have a home office.” 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 DENNIS NISHI

When a friend suggested that he write a blog, Joel Backaler saw it as a good opportunity to share some of his most interesting stories about working as a consultant in China. One of his clients, for example, was the chief executive officer of a state-owned chemical company who lived in a province renowned for hand-pulled noodles. The CEO had a passion for noodles, so he ended up opening a chain of fast-food noodle houses that would offer jobs to laid-off factory workers. “I was surrounded by so many great stories to write about, but I never had an outlet to write about what I was learning through work. It was a passion project,” says Mr. Backaler, who would regularly wake up at 4 a.m. and post new articles to his blog “The China Observer,” before going to the office. He’d also blog on weekends and on holidays. His hard work paid off. Within months, Mr. Backaler became a quoted authority on business in China. His articles were linked to by well-known industry blogs, and he was asked to write on international business topics for Forbes and BusinessWeek. He was also offered a full-time job in 2011 to start up Asian-Pacific operations for the Frontier Strategy Group, a Washington, D.C.based advisory firm. Mr. Backaler is now working on a book about the rise of Chinese companies in overseas markets for Palgrave Macmillan entitled “China Goes West.” In the current competitive job climate, hard work alone doesn’t always get noticed, say career experts. Good employees are getting passed up for new opportunities because companies may not be aware of their full capabilities. That’s where branding can be used to promote your value to your busy bosses, peers and anybody else that can help you from inside and outside the company. Through a coordinated networking, social-media and blogging effort, you can become the go-to specialist in your field.  First, think strategically. How do you want to be perceived by the world? You should choose a unique specialty to promote that is not based on any other brands, says

Ralph Butler

BY ANNE TERGESEN

Dan Schawbel, a workplace expert from Boston and author of “Promote Yourself: The New Rules of Career Success.” “Instead of being a LinkedIn expert, you could become a LinkedIn expert for baby boomers. It’s important to find your own niche that sets you apart from your peers.”  Fill any knowledge or skill gaps. Especially if you’re looking to advance, ask for honest feedback from co-workers. You may find that you need to shift to a different functional area within the company, for example, to get that international assignment that you want, says Dorie Clark, a branding and management consultant from Somerville, Mass., and author of “Reinventing You.”  Don’t be self-conscious. It’s OK to promote your accomplishments. Bragging can be a good way to increase visibility. Just don’t make self-promotion the only thing that you tweet or blog about, says Mr. Schawbel. You want to attract new readers by becoming a resource or mentor for colleagues and by reaching out and participating in online discussions in company forums or in LinkedIn groups.  Blog regularly. It may seem old-fashioned when compared with Facebook, Twitter and Pinterest, but blogging is the best way to showcase what you do and how you think—especially if you are a knowledge worker known for your ideas. If you make the effort to blog, you are setting yourself apart and showing that you are a thought leader in your com-

pany or your field, as opposed to being just a commodity, says Ms. Clark. “You don’t want to be a commodity, since there’s somebody out there, literally, that’s willing to do your job for $3 an hour. You have to provide a compelling reason why you’re worth the money. Otherwise, it’s a race to the bottom.” It’s important to establish your brand outside of your company since that can help you get recognized from within, says Ms. Clark. “So if you’re being asked to speak as an expert by media and winning awards for your blog, that may compel the powers that be at your company to reevaluate you.”  Don’t stagnate. Be proactive with your brand. You may need to reinvent yourself multiple times to keep up with shifting industry trends and changes to your career fortunes, like recovering from a layoff. Make the best of your situation. Even if you’re in a job that you don’t like, you can continue to broadcast your expertise through social media and your blog and use that experience to flush out new opportunities.  No surprises. Tell your boss what you plan to do. You don’t want him or her to stumble on your blog accidentally and find that you’ve been posting 1,000-word stories throughout the day when you should be working, says Mr. Schawbel. It helps to get your boss’s sanction. He or she may even make it part of your job. Otherwise, do it outside of work. Email: sjdnishi@gmail.com


KALAMAZOO GAZETTE / SUNDAY, DECEMBER 15, 2013 / I5

Stocks Listings are the most-active stocks for NYSE, NASDAQ and AMEX exchanges as of close of business Friday. FRI WK’S LAST CHG CHG A-B AAR ABB Ltd ACE Ltd ADT Corp AES Corp AFLAC AG MtgeIT AGCO AGL Res AK Steel AMC Net AOL ASA Gold ASML Hld AT&T Inc AVG Tech AbtLab s AbbVie n AberFitc AbdAsPac Abraxas AcaciaTc AcadiaPh AcastiPh g Accenture AccoBrds AccretivH Accuray AcelRx Achillion Actavis ActivsBliz Acxiom AdamisP rs AdamsEx AdobeSy AdvAuto AMD AdvSemi AecomTch Aegon AerCap Aeropostl AEtern grs Aetna Affymetrix Agilent Agnico g Agrium g AirLease AirProd Airgas AkamaiT Akorn AlaskaAir AlcatelLuc Alcoa AlexREE AlexcoR g Alexion Alkermes AllegTch Allegion n Allergan AlliData AlliFibOp s AlliBInco AlliantEgy AlliantTch AlliGblCv2 AlldNevG AllisonTrn AllscriptH Allstate AlnylamP AlonUSA AlphaNRs AlpTotDiv AlpAlerMLP AlteraCp lf AltisResd n Altria AmTrstFin Amarin Amazon AmbacFn n Ambarella Ambev n AmbitBio n Amdocs Ameren AMovilL AmAirl n AmAirl pf AmApparel AmAxle AmCampus ACapAgy AmCapLtd ACapMtg AEagleOut AEP AEqInvLf AmExp AmIntlGrp ARltCapPr AmSupr AmTower AmWtrWks Ameriprise AmeriBrgn Ametek Amgen AmkorTch Amphenol Anadarko AnalogDev AngiesList AnglogldA ABInBev Ann Inc Annaly AntaresP AnteroRs n Anworth Aon plc Apache AptInv ApolloEdu ApolloGM ApolloInv Apple Inc ApldMatl AMCC Approach AquaAm s ArQule Aramark n ArcelorMit ArchCoal ArchDan ArcosDor ArenaPhm AresCap AriadP ArmHld ArmourRsd ArmstrWld ArrayBio Arris ArrowEl ArubaNet AscenaRtl AshfordHT AsiaPc AsiaInfoL AspenIns AspenTech AsscdBanc AssuredG AstraZen Astrotch h athenahlth Athersys AtlPwr g Atmel ATMOS AtossaGen Atrion Augusta g AuRico g AutoNatn Autodesk Autohme n AutoData Auxilium AvagoTch AvalnRare AvalonBay AvanirPhm AVEO Ph AveryD Avianca n AvisBudg Avista Avnet Avon Axcelis Axiall AXIS Cap B2gold g BB&T Cp BCE g B/E Aero BG Med h BGC Ptrs BHP BillLt BHPBil plc BP PLC BPZ Res BRE BRF SA BabckWil Baidu BakrHu BallCorp BallardPw BalticTrdg BcBilVArg BcoBrad pf BcoSantSA BcoSBrasil BcpSouth BkofAm BkNYMel Bankrate BankUtd Banro g BarcUBS36 Barclay BarVixMdT B iPVix rs Bard BarnesNob BarrickG BaxanoSrg Baxter Beam Inc BectDck BedBath Belo Bemis Berkley BerkH B

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FRI WK’S LAST CHG CHG GNC 58.05 +.12 GT AdvTc 8.02 -.03 GTx Inc 1.50 +.05 GabelliET 7.29 +.03 Gafisa SA 3.04 -.04 Gain Cap 7.87 +.19 GalenaBio 4.14 -.05 Gallaghr 45.80 -.12 GamGldNR 8.84 +.04 GameStop 47.29 +1.68 Gannett 26.19 +.28 Gap 38.49 +.11 Garmin 46.58 -.54 GastarExp 5.28 +.07 GencoShip 1.93 -.01 GenCorp 16.90 +.17 GAInv 33.68 GnCable 28.78 +.52 GenDynam 90.26 +.37 GenElec 26.84 +.30 GenGrPrp 20.40 -.09 GenMills 49.64 +.07 GenMotors 40.04 -.01 GMot wtA 30.36 -.04 GMot wtB 22.41 +.01 GenesWyo 92.58 +.11 Genpact 17.60 -.37 Gentex 30.70 +.01 GenuPrt 81.12 +.03 GenVec h 2.05 -.23 Genworth 14.96 +.10 Gerdau 7.68 -.01 GerNew 22.59 +.01 GeronCp 4.77 -.01 Gevo 1.18 -.01 GiantInter 11.07 +.01 Gigamon n 25.46 -2.27 GileadSci s 71.40 +1.13 GivenIm 29.89 -.03 GlaxoSKln 51.37 +.08 GlimchRt 9.12 -.03 GblEagEnt 15.66 +.05 GblXGuru 24.60 +.15 GluMobile 3.55 +.11 Gogo n 29.27 -.52 GolLinhas 4.12 GolLNGLtd 34.19 -.10 GolLNGPt 28.32 -.33 GoldFLtd 3.41 -.10 GoldResrc 4.85 +.09 Goldcrp g 21.06 -.07 GoldStr g .45 -.02 GoldmanS 168.39 +.06 GoodrPet 16.69 -.20 Goodyear 22.62 +.29 Google 1060.79 -9.17 vjGrace 91.06 -.73 GrafTech 11.08 +.07 GranTrra g 7.10 +.20 GraphPkg 9.12 GrayTelev 13.57 +.44 GNIron 74.03 -.90 GtPlainEn 23.98 +.17 GreenMtC 72.66 +1.38 Groupon 10.24 -.16 GpFnSnMx 13.87 +.13 GpTelevisa 29.65 +.18 Guess 30.74 +.35 GugSPEW 68.48 +.07 Guidewire 45.21 +.69 56.05 -.27 GulfportE HCA Hldg 46.83 +.51 HCC Ins 45.30 +.54 HCP Inc 35.77 +.11 HD Supp n 22.98 -.11 HDFC Bk 34.10 -.69 HMS Hldgs 20.63 -.31 53.06 -.04 HSBC HSBC Cap2 27.24 +.45 HalconRes 3.79 -.10 49.39 -.20 Hallibrtn Halozyme 13.10 -.25 34.82 +.16 HancHld HanJI 18.34 +.06 HanwhaSol 2.59 -.03 67.51 -.51 HarleyD Harman 78.97 -.39 Harmonic 6.67 +.01 2.46 HarmonyG HarrisCorp 65.55 +.23 HarrisTtr 49.37 -.01 Harsco 26.29 -.26 35.02 -.08 HartfdFn 3.94 +.32 HarvNRes Hasbro 51.76 +.28 HatterasF 16.47 -.10 25.24 +.09 HawaiiEl 53.91 +.27 HltCrREIT HltMgmt 12.96 -.04 9.90 +.17 HlthcreTr HealthNet 28.49 +.16 Healthwys 13.66 +.35 HeclaM 2.77 +.02 HelixEn 23.39 +1.56 HelmPayne 79.52 -.29 Hemisphrx .27 +.01 Herbalife 68.38 -.22 5.93 -.08 HercOffsh Hersha 5.46 +.04 Hershey 94.84 -.12 Hertz 24.79 -.13 78.95 +.64 Hess 26.77 +.17 HewlettP Hexcel 41.67 -.22 HighwdPrp 34.83 +.01 Hill-Rom 40.24 +.22 Hillshire 32.52 +.07 Hilton n 22.10 +.60 HimaxTch 10.96 HollyFront 45.32 -.54 Hologic 22.01 +.36 HomeDp 79.01 +.48 Home Inns 41.77 +2.07 HmeLnSvc 23.27 +.01 HomeAway 37.86 +.43 HonwllIntl 86.61 +.32 6.61 -.14 HorizPhm Hormel 44.18 -.42 Hornbeck 48.30 -.39 Hospira 39.88 -.37 26.13 +.22 HospPT HostHotls 18.07 +.22 HovnanE 5.37 +.09 9.16 HudsCity Humana 99.91 -.56 HuntJB 74.22 -.39 HuntBncsh 9.36 -.07 Huntsmn 23.18 +.01 I-J IAC Inter 59.85 +1.41 IAMGld g 3.43 +.01 ICICI Bk 35.83 -.63 12.40 +.13 ING INGPrRTr 5.84 -.04 ION Geoph 3.14 +.12 IPG Photon 72.63 +1.14 iPass 1.44 +.04 iRobot 29.35 -.28 iShGold 12.01 +.11 iSAstla 23.81 +.27 iShBrazil 44.34 -.12 iShCanada 28.39 +.10 iShEMU 38.92 iShGerm 29.73 +.06 iSh HK 20.36 +.12 iShItaly 14.55 +.04 iShJapan 11.79 -.10 iSh SKor 62.33 +.20 iSMalasia 15.83 +.07 iShMexico 67.49 +.58 iShSing 13.02 +.10 iSPacxJpn 45.83 +.38 iShSwitz 31.28 -.06 iSTaiwn 14.21 +.04 iSh UK 19.77 -.08 iShSilver 18.95 +.14 iShS&P100 79.56 -.08 iShSelDiv 69.54 +.09 iShTIPS 110.54 +.32 iShAsiaexJ 59.44 +.22 iShChinaLC 38.38 +.27 iSCorSP500 179.10 -.07 iShCorTBd 106.65 +.05 iShEMkts 40.95 +.10 iShiBoxIG 114.09 +.31 iSh ACWI 55.48 -.01 iShEMBd 108.35 +.10 iShIndones 21.98 -.34 iSh20 yrT 103.21 +.50 iShIntSelDv 36.29 +.03 iSh1-3yTB 84.47 +.02 iS Eafe 64.07 -.04 iSCorSPMid 129.02 +.39 iShiBxHYB 92.90 +.15 iShMtgRE 11.59 +.01 iShNsdqBio 215.49 -.23 iSR1KVal 91.01 -.04 iSR1KGr 82.66 +.02 iSRus1K 99.48 iSR2KVal 95.63 +.24 iShIntCrBd 108.20 -.01 iSR2KGr 128.82 +.58 iShFltRtB 50.64 -.01 iShR2K 110.20 +.36 iShUSPfd 37.45 +.15 iShREst 62.26 +.25 iShHmCnst 22.44 +.04 iShUSEngy 48.44 -.23 iShCrSPSm 104.81 +.38 iStar 12.75 -.19 ITT Corp 41.53 +.41 Icahn Ent 123.41 +3.24 IconixBr 38.96 +.22 Idacorp 51.48 +.08 IdenixPh 4.41 -.26 IderaPhm 3.09 -.18 ITW 78.95 +.52 Illumina 102.43 +1.43 ImmunoCll 1.02 -.08 ImunoGn 14.36 +.23 Incyte 48.89 +.39 IndBkMI 11.10 -.07 Infinera 9.06 +.17 InfinityPh 12.96 -.30 Infoblox 29.29 -.36 Informat 38.94 +.61 Infosys 54.37 +.49 IngerRd 56.82 -.10 Ingredion 66.14 +.15 InlandRE 10.12 -.06 InovioPhm 1.98 +.03 InsysTh n 38.06 -7.05 IntgDv 10.00 +.01 IntegrysE 53.11 +.15 Intel 24.29 -.18 Inteliquent 11.40 +.22 Intelliph 3.29 +.16 IntrCloud n 10.20 +1.07 InteractB 24.49 +.28 IntcntlExG 220.44 +2.61 InterDig 32.15 +.11 InterMune 13.93 -.10 IBM 172.80 -.57 IntFlav 84.70 -.24 IntlGame 17.42 +.16

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FRI WK’S LAST CHG CHG IntPap InterOil g Interpublic Intersil Intuit InvenSense InvCAVal Invesco InvMtgCap InvMuOpTr InvMuniTr Invsco iqi InvSrInco InvTrIG IridiumCm IronMtn IronwdPh iShCorEM Isis ItauUnibH Itron Ivanhoe rsh Ixia lf JA Solar JDS Uniph JPMorgCh JPMAlerian Jabil JackHenry JacobsEng JanusCap Jarden s JazzPhrm JetBlue JinkoSolar JiveSoftw JohnJn JohnsnCtl JonesGrp JosABank JoyGlbl JnprNtwk K-L KAR Auct KB Home KBR Inc KKR KKR Fn KLA Tnc KandiTech KC Southn KapStone Kellogg Kennamtl KeryxBio KeyEngy Keycorp KilroyR KimballInt KimbClk Kimco KindME KindMorg KindMM KindredHlt Kinross g KiOR KiteRlty KnightTr KnightT KodiakO g Kohls KornFer KosmosEn KraftFGp KrispKrm Kroger Kulicke L Brands L-3 Com LDK Solar LKQ Corp LPL Fincl LSI Corp LTX-Cred LaZBoy LabCp LamResrch Lannett LaredoPet LVSands LaSalleH Latam Air Lattice LeapWirlss LeapFrog LearCorp LeggMason LeggPlat LeidosHld LenderPS LennarA LeucNatl Level3 LexiPhrm LexRltyTr Lexmark LbtyASE LibGlobA LibMed A n LibtyIntA LibtProp LifeTech LifeTFit LifeLock LifePtH Lifevantge LillyEli LincNat LinearTch LinkedIn LinnEngy LinnCo LionsGt g Liquidity LiveNatn LloydBkg LoJack LockhdM Loews Lorillard s LaPac Lowes Lubys lululemn gs LumberLiq LyonBas A M-N M&T Bk MBIA MDC MDU Res MFA Fncl MCR MIN MGIC MGM Rsts MRC Glbl MSCI Inc Macerich MackCali Macquarie Macys MSG MagicJack MagnaInt g MagHRes MaidenH MAKO Srg Manitowoc MannKd ManpwrGp Manulife g MarathnO MarathPet MVJrGld rs MktVGold MV OilSvc MV Semi MktVRus MktVIntM MkVHiYM Marketo n MarkWest MarIntA MarshM MStewrt MartMM MarvellT Masco MastThera Mastec MasterCrd MatadorRs Mattel MaximIntg McDrmInt McDnlds McGrwH McKesson McEwenM MeadJohn MeadWvco Mechel MedAssets MedProp MediCo Medivation Medtrnic MelcoCrwn MensW MentorGr MercadoL Merck Meredith Meritor MerrimkP Methanx Methode MetLife MKors Microchp MicronT MicroSemi Microsoft MillenMda MillerEnR MillerHer MiMedx MindrayM Mindspeed MitekSys MitelNet g MitsuUFJ MobileTele Model N n Mohawk MolinaHlth MolsCoorB Molycorp Mondelez Monsanto MonstrBev MonstrWw MonSt

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113.75 -.25 -.55 11.11 +.02 -1.14 28.83 +.17 -.61 29.41 +.56 -.23 7.11 -.01 -.04 8.90 -.07 -.04 5.13 -.01 +.03 8.30 -.04 -.01 21.20 +.37 +1.03 32.14 +.07 +.08 43.46 -.01 -.75 58.51 +.01 -1.98 21.19 +.34 +.25 53.11 +.45 -.54 51.41 -.24 -.17 54.91 +.61 -1.34 12.29 +1.05 +1.25 78.88 +1.23 -1.63 6.41 -.01 -.28 11.41 +.19 -.99 29.99 +.02 21.50 +.38 +.70 4.98 +.02 -.14 82.23 +.55 +1.17 18.52 +.14 -.55 35.80 -.38 -.76 85.21 -.49 -1.99 30.23 +.33 +1.34 21.11 +.10 +.45 47.15 -.11 -.97 40.87 -.07 -.77 27.91 +.06 -.12 22.15 +.05 28.40 -.10 -.38 32.50 +1.59 +.12 65.27 +1.31 -.29 46.57 +.55 +.34 47.25 -.07 -.78 3.87 +.60 +.72 97.00 +.46 -.24 13.15 -.01 -.39 21.28 -.19 -.36 .41 +.01 -.02 31.29 -.25 +.03 787.97 +5.43 +29.50 18.67 -.31 -2.20 45.37 +.06 -.89 27.74 +.14 -.72 8.03 -.02 +.07 94.44 +.34 -2.36 72.20 +.19 -2.53 157.39 +.64 -5.42 1.80 -.04 +.04 83.16 -.79 -2.08 35.16 +.20 -.55 2.24 +.11 +.08 19.61 -.06 -1.68 12.02 +.10 -.73 36.89 +.13 -1.31 63.14 +1.15 +.94 55.89 +.24 -2.25 37.83 +.47 +1.06 51.75 -.16 +1.02 22.46 +.44 +.02 101.51 -3.28 -4.57 48.38 +.06 -.57 49.41 +.19 -1.88 7.85 +.20 +.06 4.54 -.18 56.01 -.32 -2.04 33.89 +.21 -1.48 51.19 -.48 82.27 -.38 +2.59 41.53 -.44 -2.03 23.08 +.54 +.77 23.07 +.04 -1.05 36.69 -.53 -1.67 6.42 +.14 +.23 8.83 +.29 +1.13 28.71 -.03 -1.24 7.77 -.16 +.79 37.10 +1.49 -3.55 5.03 -.01 ... 5.59 -.33 -.90 9.39 -.19 -.15 6.16 -.12 -.20 20.02 -.03 -.23 10.88 +1.14 +2.30 139.64 -1.00 +.69 33.49 +1.20 -.38 53.19 -.23 -1.77 4.57 -.04 -.21 33.85 -.13 -1.24 110.66 +.40 -1.09 61.46 -.13 -1.59 5.73 +.06 +.35 15.68 +.02 -.09

FRI WK’S LAST CHG CHG Moodys 71.83 +.12 -2.09 MorgStan 31.09 +.61 +.63 MSEMDDbt 13.48 +.04 +.13 Mosaic 43.97 +.18 -2.82 MotrlaSolu 65.05 +.19 -.82 MuellerWat 8.34 +.04 -.26 MultiColor 36.97 +.32 -.19 MurphO 63.01 -.14 -.89 Mylan 41.78 -.08 -2.36 MyriadG 23.93 -.32 -1.52 NCR Corp 32.30 +.23 -.38 NII Hldg 1.93 -.05 -.71 NL Inds 10.47 -.06 -1.24 NPS Phm 24.69 +.59 +.47 NQ Mobile 12.10 +1.07 -.44 NRG Egy 27.95 -.03 -.64 NTN Buzz .66 -.09 -.11 NV Energy 23.69 +.01 +.02 NXP Semi 42.51 +.33 -1.72 Nabors 15.72 +.19 -.03 Nanosphere 2.01 +.07 -.09 NasdOMX 38.55 -.24 -.20 NBGrce rs 5.85 -.06 -.04 NatFuGas 69.18 -.22 -.03 NatGrid 61.54 +.29 +.08 NOilVarco 78.74 +.20 -2.85 NatPenn 10.88 +.06 -.29 NatRetPrp 30.48 +.39 -.71 Nationstar 39.58 -.62 -2.39 NavideaBio 2.03 +.03 +.24 Navios 9.42 +.71 +.93 NaviosMar 17.81 +.14 +.72 Navistar 40.08 +.48 +.02 NektarTh 10.53 -.21 -1.01 Neogen s 48.34 +.05 -2.06 NetApp 39.77 +.17 -1.80 Netflix 368.97 -4.36 +14.53 NetSuite 93.44 -.69 -4.12 NeurMx rs 2.97 -.16 +.31 NeuStar 48.45 +.23 -.87 NwGold g 4.86 +.14 NJ Rscs 43.72 -.21 -1.42 NewLink 22.35 +.42 +1.45 NewOriEd 29.51 +.31 -.47 NewResd n 6.34 -.01 +.15 NY CmtyB 16.23 +.04 -.16 NYMtgTr 7.22 +.10 +.16 Newcastle 5.24 -.19 NewellRub 30.76 -.34 -.15 NewfldExp 23.36 -.16 -3.07 NewLead rs 1.41 +.05 -.33 NewmtM 23.28 +.26 NewsCpA n 17.66 +.17 -.12 NewsCpB n 17.50 +.15 +.14 NextEraEn 82.71 -.05 -1.92 NiSource 30.94 -.04 -.62 NielsenH 45.62 +2.66 +2.07 NikeB s 76.40 +.17 -3.22 NimbleSt n 33.93 ... NipponTT 26.08 -.46 +.73 NobleCorp 36.55 -.49 -1.30 -.82 NobleEn s 68.68 NokiaCp 7.54 -.17 -.34 Noodles n 36.04 -.93 -1.66 NordicAm 8.27 +.18 +.25 60.09 -.28 -.27 Nordstrm 87.97 +.46 -1.70 NorflkSo NA Pall g .44 +.03 +.05 NoestUt 41.59 +.22 +.38 1.14 +.11 +.01 NDynMn g 14.82 +.04 +.39 NthnO&G NorTrst 57.58 +.44 -1.17 NorthropG 108.92 +.89 -1.34 11.86 +.22 +1.86 NStarRlt 3.46 -.01 -.68 NwstBioth NwstNG 42.50 +.11 +.72 NorwCrL n 31.65 -.46 -1.87 1.53 +.15 -.30 NovaCopp 2.39 +.10 +.15 NovaGld g Novartis 76.84 +.21 -1.95 3.87 -.08 -.36 Novavax 129.94 +1.13 +1.01 NuSkin NuanceCm 14.23 +.12 -.02 Nucor 51.59 +.37 -.62 +.02 9.27 NvCredStr 11.68 -.08 -.02 NNYAmtF NuvAmtFr 11.62 -.10 -.14 NuvIntMu 10.91 -.06 -.04 ... 12.91 -.05 NvIQl NMIQI 12.40 +.10 +.11 NvMAd 11.80 -.08 -.02 NvMO 11.65 +.13 -.03 8.68 NuvMuVal 12.73 -.03 -.16 NuvPP NvPMI 12.15 +.01 +.13 NuvPI 11.92 -.10 +.02 11.88 -.04 -.01 NuvQInc 7.88 +.01 +.08 NuvQPf2 Nvidia 15.02 -.09 -.45 O-P .07 -.00 -.04 OCZ Tech OGE Egy s 33.51 -.10 -.67 OReillyAu 126.47 +1.55 +1.47 52.08 +1.43 -12.67 OSI Sys 44.37 +.55 -.36 OasisPet OcciPet 91.11 -.13 -1.54 Oceaneerg 76.94 +.24 -2.66 14.50 -.03 +.55 Och-Ziff 2.08 -.02 -.10 Oclaro OcwenFn 55.31 -.32 -1.69 OdysMar 1.82 +.02 +.04 -.20 5.19 OfficeDpt 1.56 +.03 -.17 Oi SA OilStates 100.15 -.79 -2.39 OldDomFrt 50.87 +.88 -.46 OldNBcp 14.87 -.08 -.48 OldRepub 16.10 -.17 -.76 Olin 27.32 +.20 +.07 OmegaHlt 30.19 +.07 -1.34 Omeros 8.25 +.48 +.94 Omncre 59.29 +.76 +.68 Omnicell 24.33 +1.79 +.10 Omnicom 68.82 -.08 -2.48 OmniVisn 16.22 +.17 +.61 OnSmcnd 7.44 -.01 -.07 Oncolyt g 1.59 +.06 -.10 ONEOK 58.65 +.01 -1.03 OpenTable 76.33 -2.69 -5.33 OpkoHlth 8.97 -.45 -2.08 Oracle 33.23 -.37 -2.25 11.79 -.09 -.51 Orange 6.85 -.06 +.05 Orbitz Orexigen 5.58 -.13 -.15 9.34 -.13 -.25 Organovo OshkoshCp 48.54 +.09 -1.40 OwensMin 35.55 -.24 -1.26 OwensCorn 38.64 +.51 +.20 33.95 +.62 +.33 OwensIll 5.19 -.11 -.75 OxygnB rs PDC Engy 54.80 +1.84 -3.75 PDL Bio 8.06 -.19 -.23 40.42 +.22 -.69 PG&E Cp PHH Corp 23.30 -.25 -.05 PMC Sra 5.93 +.06 -.03 PNC 75.38 -.44 -.79 PNM Res 23.37 +.13 -.28 PPG 182.91 -1.01 -4.93 PPL Corp 29.25 -.02 -.73 PTC Inc 32.24 +.68 -1.07 PVH Corp 129.06 +1.06 -1.05 PacWstBc 41.60 +.09 -.51 Paccar 56.16 +.12 -.79 PacBiosci 4.86 +.34 +.50 PacDrillng 10.90 +.05 -.26 PacEthn rs 4.00 +.19 -.53 PacSunwr 3.25 +.11 -.03 PackAmer 61.43 +1.06 +.36 PallCorp 81.65 -.31 -2.22 PaloAltNet 53.94 +1.85 +2.17 PanASlv 10.99 +.10 +.70 Pandora 27.26 +.44 -1.26 PaneraBrd 169.52 -2.82 -7.88 ParagonSh 6.37 +.56 +.50 ParaG&S .98 -.03 Parexel 41.86 +.58 +.76 ParkDrl 7.69 -.05 -.20 ParkerHan 118.97 +.70 -2.13 PatrkInd 28.78 +.03 -.66 PattUTI 23.75 +.21 -.02 Paychex 42.63 -.38 -.74 PeabdyE 18.41 +.08 -.23 Pengrth g 6.28 +.11 +.04 PnnNGm 13.99 +.02 -.37 PennVa 9.81 -.27 -.34 PennWst g 8.61 -.03 ... Penney 8.57 +.02 +.49 PennyMac 22.23 -.02 +.22 Pentair 70.01 +.04 -.94 PeopUtdF 14.55 -.05 -.29 PepBoy 12.85 +.16 -.59 PepcoHold 18.58 -.06 -.50 PepsiCo 80.93 -.35 -2.22 PeregrinP 1.31 +.03 -.03 PerfectWld 17.96 +.73 -.33 PerfTech 3.71 +.73 +.59 PerkElm 38.97 -.09 +.83 Perrigo 151.82 -1.86 -3.81 PetSmart 72.36 -.25 -1.02 PetrbrsA 14.90 +.44 +.08 Petrobras 13.69 +.25 -.21 PetRes 26.14 +.06 -.34 Petrologis 10.79 +.12 -1.08 PtroqstE 3.79 -.02 -.32 Pfizer 30.25 -1.29 Pharmacyc 107.88 -1.84 -19.83 PhilipMor 85.24 -.08 -.59 Phillips66 71.60 +.38 +.36 PhxNMda 8.92 -.07 -.28 PiedNG 32.27 +.06 -.49 PiedmOfc 16.00 -.11 -.71 Pier 1 20.87 +.13 -.39 PilgrimsP 16.02 +.07 -.42 PimDyCrd 22.14 +.10 +.10 PinnaclF n 26.73 +.18 -1.00 PinWst 52.80 +.01 -1.06 PionEnSvc 7.05 -.04 -.44 PioNtrl 179.75 +.67 +2.54 PitnyBw 22.24 +.27 ... Pixelwrks 3.84 -.28 PlainsAAP 48.58 -.16 -1.42 PlainsGP n 24.55 +.19 +.20 PlugPowr h 2.09 +.11 +.03 PlumCrk 44.44 +.26 -.34 Polaris 133.83 -.59 -2.15 Polycom 10.57 +.18 -.25 Popular 27.09 -.30 -1.38 PortfRec s 52.20 -.50 -1.78 PortGE 29.57 +.12 -.19 PostHldg 47.70 +1.20 -4.28 Potash 30.82 +.39 -.72 PwshDB 25.39 -.10 -.35 PS Agri 24.61 -.03 -.04 PS USDBull 21.58 +.01 ... PSPrivEq 12.19 +.01 -.09 PSFinPf 16.95 +.09 +.03 PS SrLoan 24.77 +.01 +.01 PS SP LwV 32.17 +.03 -.71 PwShPfd 13.47 +.02 -.05 PShEMSov 26.87 +.09 +.20 PwShs QQQ 84.85 -.11 -1.15 Praxair 124.25 -.43 -1.21 PrecDrill 8.95 -.08 -.23 Pretium g 5.66 +.08 +.09 PriceTR 78.37 +.35 -1.07 priceline 1171.27 -3.97 -9.13

AT A GLANCE STOCKS YTD 52-WEEK %CHG HIGH LOW STOCK

+9.6 +73.8 +30.7 +7.5 +44.2 +27.9 +48.5 +8.8 +22.1 +28.4 +31.0 +32.2 +47.9 +28.1 +30.3 +27.9 +38.9 +62.9 +41.2 +46.5 +216.8 +20.1

9.97 21.41 15.98 29.98 50.16 32.39 46.25 73.32 23.46 42.00 73.44 20.98 73.04 18.02 92.75 27.50 41.17 31.49 9.24 9.49 12.45 50.33

7.63 10.12 10.46 23.93 31.71 21.16 28.63 58.86 14.36 29.81 51.50 14.33 46.81 11.03 64.47 20.26 24.40 17.93 5.98 6.11 3.33 35.86

YLD DIV %

Alcoa AA .12 AmAxle AXL BkofAm BAC .04 CMS Eng CMS 1.02 CedarF FUN 2.80f ChemFinl CHFC .92f Comerica CMA .68 DTE DTE 2.62 DanaHldg DAN .20 DowChm DOW 1.28 Eaton ETN 1.68 FifthThird FITB .48 Flowserv s FLS .56 FordM F .40 GenDynam GD 2.24 GenElec GE .88f GenMotors GM Gentex GNTX .56 GraphPkg GPK HuntBncsh HBAN .20 IndBkMI IBCP IntPap IP 1.40f

1.3 .3 3.9 5.8 3.0 1.5 4.0 1.0 3.1 2.4 2.4 .8 2.4 2.5 3.3 1.8 2.1 2.9

VOL 100s CLOSE

PE

27 4 20 19 23 16 15 18 dd 42 19 10 22 13 dd 20 17 23 22 13 11 18

191214 9204 583024 24607 689 795 11893 4948 13029 132899 20555 58839 10144 478987 11669 389900 147747 14025 24467 67527 785 75908

NET CHG

YTD 52-WEEK %CHG HIGH LOW STOCK

9.51 +.14 19.46 +.30 15.18 -.07 26.21 +.07 48.25 -.19 30.39 -.16 45.04 -.47 65.36 ... 19.06 +.15 41.52 +.76 70.97 +.40 20.09 -.16 72.36 +.27 16.59 +.20 90.26 +.37 26.84 +.30 40.04 -.01 30.70 +.01 9.12 ... 9.36 -.07 11.10 -.07 47.83 +1.65

DIV

YLD %

+28.6 58.14 42.01 JPMorgCh JPM 1.52

2.7

13 111174 56.17

-.14

+63.0 51.90 28.00 JohnsnCtl JCI

.88f

1.8

29

29345 50.00

+.01

+8.3

67.98 55.02 Kellogg K

PE

VOL 100s CLOSE

NET CHG

1.84

3.0

23

12668 60.50

-.14

2.20

2.2

12

4279 102.23

+.93

+57.7 88.76 47.19 MagnaInt g MGA 1.28

1.6

13

+23.0 22.52 14.65 MercBank MBWM .48

2.4

13

121 20.29

+33.8 32.31 19.30 MillerHer MLHR

.50

1.7

24

3040 28.71

-.03

+29.3 77.93 55.49 PNC PNC

1.76

2.3

11

16545 75.38

-.44

+39.9 122.52 82.65 ParkerHan PH

1.80

1.5

19

11233 118.97

+.70

+45.9 157.47 98.79 Perrigo PRGO

.36

.2

30

16658 151.82 -1.86

.96

3.2

16 252983 30.25

1.00

1.1

18

+33.4 103.87 74.28 L-3 Com LLL +67.1

6.10

2.80 Macatawa MCBC

+20.6 32.50 24.63 Pfizer PFE +32.4 96.33 60.61 SPX Cp SPW

5

389

4.83

+.04

7253 78.88 +1.23 +.08

...

2975 92.85

+.05

+49.1 24.78 14.67 SprtnStr SPTN

.36

1.6

19

1317 22.90

-.02

+16.2 16.95 11.20 Steelcse SCS

.40

2.7

53

11967 14.80

-.05

+30.5 75.50 54.07 Stryker SYK

1.22f

1.7

26

20600 71.56

-.28

+26.9 33.79 23.74 Textron TXT

.08

.3

19

13387 31.46

-.05

+30.2 54.40 33.23 UnivFor UFPI

.42f

.8

30

957 49.51

+.19

+46.3 155.05 97.35 Whrlpl WHR

2.50

1.7

14

9806 148.85

+.22

+57.3 33.29 19.20 WolvWW s WWW .24

.7

26

4921 32.23

+.06

SNAPSHOTS

+15.93

S O Pct. change from previous: +0.10%

15,755.36

MOST ACTIVE

N High: 15,792.80

VOL(00)

4,200

Nasdaq composite +2.58

D Low: 15,717.92

4,000.98

GAINERS

LAST CHG NAME

Dec. 13, 2013

17,000 16,000 15,000 14,000 13,000 12,000

Dec. 13, 2013

DowJones industrials

3,800 3,400

LOSERS

NAME

VOL(00)

LAST

CHG

S&P500ETF Facebook SPDR Fncl BkofAm iShEMkts SunEdison Cisco FordM iShJapan GenElec Microsoft

845955 178.11 -.02 YRC Wwde 12.49 +2.49 +24.9 800711 53.32 +1.49 PerfTech 3.71 +.73 +24.5 691577 21.13 +.02 CoronadoB 2.15 +.37 +20.8 583024 15.18 -.07 MStewrt 3.87 +.60 +18.3 554276 40.95 +.10 ChiCache 8.88 +1.36 +18.1 516815 11.46 -.01 Enphase 5.70 +.81 +16.6 498890 20.24 -.27 500.com n 31.57 +4.40 +16.2 478987 16.59 +.20 HudsonGbl 4.19 +.56 +15.4 411984 11.79 -.10 SuprtlH pfA 5.75 +.75 +15.0 389900 26.84 +.30 TonixPh rs 8.59 +1.09 +14.5 387560 36.69 -.53 AmbitBio n 9.66 +1.21 +14.3

NAME

VOL(00) LAST

AdamisP rs InsysTh n RiceBrn rs AtossaGen RealGSolar MediciNova Medgenics GenVec h AvanirPhm Pedevco rs Imprimis n

HIGH

7,304.49 537.86 10,229.57 4,081.78 1,813.55 1,147.00 19,276.43

LOW

5,123.97 443.69 8,298.36 2,951.04 1,398.11 821.82 14,700.70

D.J. Transport D.J. Utilities NYSE Comp. NASD Comp. S&P 500 Russell 2000 Wilshire 5000

FRI WK’S LAST CHG CHG 48.08 -.24 PrinFncl 27.66 -.19 PrivateB ProLogis 36.29 -.28 ProShtS&P 26.31 ProUltQQQ 92.25 -.30 PrUShQQQ 16.24 +.04 ProUltSP 94.54 -.08 ProUShD30 34.41 -.10 PrUShtFin 18.86 -.07 ProShtR2K 17.77 -.05 ProUPQQQ 110.62 -.53 ProUltR2K 77.16 +.41 ProSht20Tr 32.64 -.12 PUltSP500 s 85.13 -.21 PrVixSTF rs 31.73 +.06 PrUVxST rs 20.95 +.08 PrShtVxST 122.37 -.28 PrUltCrude 30.95 -.57 PrUShCrde 33.00 +.58 ProUltSilv 16.19 +.24 13.83 +.34 ProceraN ProctGam 82.37 +.07 ProgrsSoft 24.63 +.63 26.24 -.28 ProgsvCp Proofpoint 29.27 +1.17 ProUShSP 32.29 +.03 PrUShDow 30.44 -.04 ProUShL20 77.93 -.71 ProUSR2K 13.35 -.07 PUSSP500 17.14 +.02 PUPSR2K 12.54 -.16 PrUPShQQQ 16.18 +.08 ProspctCap 11.12 +.05 ProtLife 48.71 +.14 88.19 -.14 Prudentl PsychmCp 14.33 +.33 PSEG 31.86 -.26 PubStrg 149.54 -.17 18.03 -.03 PulteGrp 5.41 +.02 PPrIT Q-R QAD Inc B 13.80 QEP Res 30.69 +1.04 QIWI n 52.12 +2.46 Qihoo360 80.96 +.09 QlikTech 24.56 +1.13 Qlogic 11.16 -.02 Qualcom 72.58 -.15 QuantaSvc 28.73 -.09 QntmDSS 1.20 -.02 QstDiag 54.20 +.39 Questar 22.50 +.04 Questcor 53.31 -.12 QksilvRes 2.85 -.10 Quidel 25.85 +.70 Quiksilvr 8.28 +.55 QuintTrn n 44.97 -.10 RAIT Fin 8.52 +.02 RF MicD 5.04 +.01 RLJ LodgT 22.82 +.12 RPM 39.64 +.15 Rackspace 34.92 -.23 RadianGrp 14.24 -.17 RadioShk 2.68 RLauren 175.19 +2.17 Rambus 9.54 -.03 Randgold 64.08 +.27 RangeRs 79.69 -.59 RaptorPhm 13.59 -.91 RJamesFn 48.84 -.16 Rayonier 42.21 +.60 Raytheon 86.44 +.73 RealGSolar 2.24 -.29 Realogy 47.01 +.28 RltyInco 38.25 +1.07 RedHat 46.77 +.42 RedwdTr 18.37 -.05 RegalEnt 19.54 +.14 RegncyEn 24.46 +.35 Regenrn 269.59 -4.41 RegionsFn 9.53 +.01 Relypsa n 25.92 +1.35 ReneSola 2.77 -.05 RenewEn 10.51 +.25 Renren 2.91 -.04 Rentech 1.65 +.06 RepubAir 9.72 -.04 RepubSvc 33.94 +.21 ResMed 46.46 +1.10 ResoluteEn 8.27 -.18 ResrceCap 5.82 +.04 ResponGen 1.19 -.13 Responsys 19.32 +.04 RestorHdw 65.25 -.02 RetailOpp 14.40 -.01 RetailProp 12.79 -.02 RetailNot n 25.91 -.41 RexEnergy 19.62 -.02 RexahnPh .43 -.01 ReynAmer 48.96 -.15 RiceBrn rs 4.65 -.85 RigelPh 2.51 +.03 RioTinto 51.78 -.28 RitchieBr 21.95 -.15 RiteAid 5.56 -.03 RiverbedT 16.71 -.04 RobtHalf 39.32 RockTen 100.80 +3.83 RockColl 71.31 +.05 RockwllM 13.32 -.26 RockwdH 70.42 -.33 Roper 129.90 +.43 RosettaR 47.88 -.94 RossStrs 71.74 +1.12 Roundys 9.00 -.70 Rovi Corp 17.31 -.09 Rowan 33.64 +.22 RoyalBk g 64.40 +.34 RBScotlnd 10.35 -.04 43.71 +.71 RylCarb RoyDShllB 70.05 -.62 RoyDShllA 66.57 -.50 RoyGld 45.32 +.33 Royce 15.05 +.06 Rubicon g .76 +.01 RubyTues 6.85 +.01 RuckusW 12.90 -.04 Ryanair 46.25 -.63 Ryder 67.69 +.89 Ryland 38.46 +.24 RymanHP 41.46 +.38 S-T

LAST

INDEX

-1.38 -.73 -1.55 +.41 -2.56 +.42 -3.12 +1.56 +.40 +.37 -4.62 -3.39 -.11 -4.26 +1.51 +1.99 -6.58 -.77 +.72 +.27 -.77 -2.15 -1.79 -1.29 +1.24 +1.00 +.97 -.56 +.54 +.77 +.72 +.62 -.05 +.40 -.72 +.26 -.70 -3.06 -.15 ... ... -.74 +6.46 -1.80 -.40 -.54 -1.18 -.81 -.09 -5.79 -.44 +.68 -.15 +1.64 -.10 +2.94 +.31 -.18 -.58 -.30 +1.31 -.26 -.23 +2.90 +.96 -1.36 +.67 -.41 +.01 -1.37 -.24 -.41 -.15 +1.17 ... +.40 +.10 -.09 -13.15 -.15 +5.69 -.25 -.75 -.10 -.04 -.26 -.96 -1.42 -.38 -.08 -.10 -.58 -7.27 -.27 ... -1.84 +.55 +.04 -1.67 -3.15 -.08 -2.06 +1.66 -.19 -.56 ... +6.74 -2.19 -.93 -2.91 +.56 -2.00 -.23 +.04 -1.28 -.55 -.42 -.61 +.35 -.46 -1.13 +1.17 -.07 -.06 +.03 +.05 -1.67 -1.06 +.71 -.30

7,086.43 477.81 9,954.84 4,000.98 1,775.32 1,107.05 18,893.21

CLOSE

96.60 5.95 -1.87 -23.9 Crude Oil (bbl) 1.76 38.06 -7.05 -15.6 Ethanol (gal) 2.98 4.65 -.85 -15.5 Heating Oil (gal) 4.35 2.38 -.37 -13.5 Natural Gas (mm btu) 1,235.70 2.24 -.29 -11.5 Gold (oz) 1,362.90 2.35 -.29 -11.0 Platinum (oz) 19.56 5.41 -.64 -10.6 Silver (oz) 4.21 2.05 -.23 -10.1 Corn (bu) 2.84 -.32 -10.0 Lumber (1,000 bd ft) 365.90 13.28 2.50 -.25 -9.1 Soybeans (bu) 6.18 3.21 -.32 -9.0 Wheat (bu)

PVS

CHG

%YTD

97.50 -.92 +5.21 1.83 -.49 -19.82 -.15 -2.28 2.98 4.41 -1.32 +29.84 1,226.00 +.79 -26.22 -.11 -11.43 1,364.40 19.40 +.81 -35.18 4.28 -1.81 -39.78 357.60 +2.32 -2.14 13.24 +.28 -6.43 -.68 -20.53 6.23

INTEREST RATES CHG % CHG

+26.94 -.89 +5.26 +2.58 -.18 +3.82 +21.34

+.38 -.19 +.05 +.06 -.01 +.34 +.11

FRI WK’S LAST CHG CHG 81.11 +.20 SAP AG 87.54 +1.06 SBA Com SCANA 46.54 +.12 SFX Ent n 9.58 -.02 SK Tlcm 23.73 -.30 89.76 -.34 SLGreen SLM Cp 25.76 +.19 SM Energy 79.70 -1.53 SpdrDJIA 157.65 +.18 SpdrGold 119.38 +1.09 SpdrEuro50 39.55 +.06 SP Mid 235.17 +.72 S&P500ETF 178.11 -.02 71.86 +.02 Spdr Div SpdrHome 30.79 SpdrS&PBk 32.12 -.13 SpdrShTHiY 30.79 -.02 SpdrLehHY 40.49 SpdrNuBST 24.27 -.01 SpdrSTCpBd 30.77 +.01 SpdrS&P RB 39.07 -.07 SpdrRetl 85.44 +.12 SpdrOGEx 65.34 -.13 SpdrMetM 38.78 +.25 92.85 +.05 SPX Cp SS&C Tech 39.39 -.06 STR Hldgs 1.53 -.10 10.26 +.21 SABESP s 8.93 +.95 SafeBulk Safeway 33.52 -.17 StJude 57.99 -.02 Salesforc s 51.13 +.15 84.05 +.18 SalixPhm SallyBty 27.75 +.14 .41 -.00 SamsO&G SanchezEn 23.48 -.47 SanDisk 66.27 +.69 SandRdge 5.41 +.01 4.20 -.01 SandstG g 15.25 +.11 Sanmina Sanofi 49.70 -.41 Sanofi rt .66 +.14 Santarus 31.94 -.01 Sapient 16.09 +.17 SareptaTh 19.73 -.98 Schlmbrg 86.37 -.59 Schwab 24.79 -.01 SciApplic n 33.71 -1.07 SciQuest 29.66 +.56 ScorpioB n 9.75 +.25 ScorpioTk 11.02 +.03 ScrippsNet 80.73 +.40 SeabGld g 7.16 +.27 SeadrillLtd 40.09 +.13 SeagateT 50.00 +.59 SealAir 31.85 +.30 SearsHldgs 45.36 -1.25 SeattGen 40.21 +.69 SeaWorld n 29.31 -.10 SelCmfrt 19.98 -.01 SelMedHld 9.73 -.08 SempraEn 86.49 -.12 Semtech 27.64 -.36 SenHous 22.02 +.17 SensataT 37.32 -.18 Sensient 48.43 +.32 Sequenom 2.13 +.11 ServiceCp 17.61 -.31 ServcNow 50.53 +1.53 SvcSource 8.13 +.02 ShandaGm 4.36 +.15 Sherwin 177.97 -1.47 ShipFin 15.77 +.08 Shire 133.09 +.84 ShoeCarnvl 28.28 ShoreTel 8.63 +.18 Shutterfly 47.72 +.12 SibanyeG n 4.65 -.16 SiderurNac 5.54 +.08 SigmaDsg 4.48 -.01 SigmaAld 89.44 +.27 SilicnImg 5.43 +.05 SilvStd g 6.30 +.22 SilvWhtn g 20.36 +.05 SilvrcpM g 2.35 +.02 SimonProp 151.63 +3.26 Sina 78.39 -.80 Sinclair 33.77 -.17 SiriusXM 3.53 +.06 SironaDent 67.92 +.52 SkywksSol 27.32 -.41 SmithWes 12.37 -.21 SmithAO s 52.50 +.06 Smucker 100.41 -.97 SocQ&M 23.16 +.34 SodaStrm 51.22 -.67 SolarCity 51.16 -1.11 SolarWinds 35.56 +1.44 Solazyme 8.89 +.48 SonicCorp 20.25 -.05 SonocoP 40.58 +.41 Sonus 2.74 -.04 SonyCp 17.51 -.16 Sothebys 50.40 -.17 SouFun 73.28 +1.46 SoJerInd 55.00 -.48 SouthnCo 40.12 -.08 SthnCopper 25.48 +.56 SwstAirl 18.63 -.16 SwstnEngy 38.58 -.07 SpartnMot 6.78 +.07 SprtnStr 22.90 -.02 SpectraEn 33.22 -.13 Spectranet 24.79 +.66 SpectPh 9.12 -.06 SpiritAero 31.99 -.10 SpiritAir 43.04 -.32 SpiritRC n 9.82 +.17 Splunk 67.73 -.32 Spreadtrm 30.83 +.29 Springlf n 22.50 +.71 Sprint n 8.43 +.28 SprottGold 10.20 +.09 Sprouts n 36.29 -.27 STAG Indl 19.39 +.06 SP Matls 43.99 +.21 SP HlthC 53.81 +.04 SP CnSt 42.27 -.07 SP Consum 64.48 +.16 SP Engy 85.13 -.28 SPDR Fncl 21.13 +.02 SP Inds 49.77 +.15

D Low: 3,992.29

COMMODITIES CHG

TRENDS 52-WEEK

3,000

S O N Pct. change from previous: +0.06% High: 4,017.45

-1.11 +.43 -1.10 -2.01 -.42 -4.48 -.68 -5.15 -2.51 +.83 -.74 -3.38 -2.83 -1.21 -.51 -.53 -.05 +.01 +.04 -.01 -.86 -.81 -.85 -.20 -1.94 -3.10 -.24 +.26 +1.22 +.45 -1.76 -2.75 -2.44 -.08 -.03 -.82 -1.70 -.05 +.19 -.54 -1.37 +.15 -.03 +.09 +1.66 -1.78 -.04 -.72 +.34 ... -.15 +6.74 +.17 -1.72 -1.42 -.67 -2.73 -4.14 -.35 -.74 +1.12 -1.58 -2.12 -.51 -.55 -.49 -.37 -.70 -2.18 -.14 +.31 -6.86 -.74 -1.12 +.16 +.36 +.07 +.06 +.12 -.85 +.26 +.04 +.50 +.53 -.02 -1.12 +1.08 +.27 -.16 +.26 -.18 +.16 -.57 -3.91 -1.09 -2.11 -2.56 +2.96 +.37 -.80 -.23 -.17 -.59 -1.51 +1.64 -1.19 -1.31 +.47 +.36 -.10 -.22 -.43 -.76 +.98 -.32 -.86 -1.13 +.07 -1.95 +.21 +.73 +.54 +.04 -1.56 -1.76 -.28 -1.41 -.81 -.65 -1.28 -.26 -.57

YTD CHG

52 WK CHG

+33.54 +5.46 +17.90 +32.50 +24.48 +30.35 +26.00

+36.62 +5.92 +19.45 +34.65 +25.59 +34.39 +27.51

FRI WK’S LAST CHG CHG SP Tech SP Util StMotr StdPac StdRegis rs Standex StanBlkDk Staples StarBulkC StarScient Starbucks StarwdHtl StarwdPT Starz A StateStr Statoil ASA StlDynam Steelcse Stereotaxs Stericycle SMadden s StewEnt StillwtrM Stratasys StratHotels Stryker SumitMitsu SummitHtl SunCokeE Suncor gs SunEdison SungyMo n SunPower SunstnHtl SunTrst SupEnrgy Supvalu SusqBnc SwERCmTR SwftEng SwiftTrans SwisherH h Symantec Synaptics Synchron Synopsys Synovus SyntaPhm SynthBiol Sysco T-MoblUS n TCF Fncl TCP Cap TCW Strat TD Ameritr TE Connect TECO TICC Cap TIM Part TJX TRC Cos TRWAuto TTM Tch tw telecom TaiwSemi TakeTwo TalismE g Taminco n TangerFac Target TASER TataMotors Taubmn TeckRes g TecumsehB TeekayTnk TelefBrasil TelefEsp TelData TmpEMF TmpGlb TempurSly Tenaris TenetHlth Tennant Tenneco Teradata Teradyn Terex TeslaMot Tesoro TesoroLog TevaPhrm Texas Inds TexInst TexRdhse Textron ThermoFis ThomCrk g ThomsonR Thoratec 3D Sys s 3M Co TibcoSft Tiffany TW Cable TimeWarn Timken TiVo Inc TollBros TootsieR Toro Co Total SA TotalSys TowerGp lf TowersWat Toyota TractSup s

34.20 -.11 -.62 37.51 -.06 -.93 34.82 +.11 +.43 8.05 +.04 -.07 6.42 -.17 -.17 60.16 -.36 +.65 80.48 -.07 -.23 15.43 -.08 -.53 10.45 +1.18 +1.25 1.25 +.06 -.04 76.35 -.13 -3.59 74.20 +.94 +1.57 27.32 -.03 -.57 27.41 -.30 -1.13 69.73 -.48 -1.50 22.53 +.04 -.13 18.78 +.12 -.03 14.80 -.05 -.99 3.21 +.04 +.02 114.58 +.29 -2.77 35.69 -.18 -1.09 13.21 +.03 -.01 11.31 -.02 +.28 119.99 +.48 +2.99 8.80 +.14 -.01 71.56 -.28 -2.96 9.80 -.03 -.11 8.60 -.04 -.31 22.48 +1.19 +.48 33.77 -.07 +.21 11.46 -.01 -1.77 17.11 +2.04 +2.89 27.72 +.27 -2.66 12.73 +.10 -.47 34.99 -.12 -.46 25.02 -.01 -.48 6.41 +.10 +.05 12.33 -.08 -.25 -.02 8.15 12.38 +.20 -.19 22.43 +.03 -.90 .46 +.01 +.04 22.11 -.20 -.67 49.47 -.67 +.21 29.83 +.37 -1.38 38.14 +.07 +.20 3.38 -.05 4.69 -.11 -.29 1.02 -.02 -.21 36.28 +.05 +1.97 27.64 +2.20 +1.31 15.70 -.15 -.26 16.11 -.38 -.51 5.34 -.02 -.05 29.21 -.02 +.39 51.98 -.19 -1.64 16.81 -.02 -.53 10.24 -.15 24.21 -.63 -1.45 61.17 -.08 -1.17 6.76 +.09 -.23 74.20 +.50 -1.57 8.58 +.01 -.29 29.17 +.43 +.28 17.08 -.04 -.54 16.94 +.52 +.30 11.70 +.11 -.09 19.75 +.45 -1.40 31.77 +.03 -1.03 62.36 -.53 -1.02 15.52 -.92 -1.28 30.15 +.65 -1.98 64.98 +.42 -.95 22.99 -.04 8.31 +.21 -.02 3.40 +.28 +.24 17.94 -.16 -1.20 15.45 -.05 -.32 24.69 -.06 -1.79 17.28 +.05 -.76 7.83 +.01 +.06 49.82 +.04 -1.35 42.67 +.04 -1.07 40.34 -.08 -2.36 64.72 +.49 -.19 55.49 +.14 -.57 40.99 +1.47 -.89 16.39 +.03 -.71 38.42 +.55 +.68 147.65 +.18 +10.29 56.30 -.64 -1.40 49.38 -.86 -1.17 39.82 +.31 +.17 66.47 +7.93 +9.32 41.95 -.47 -1.54 27.53 -.13 31.46 -.05 -1.14 101.34 +1.11 -1.22 2.14 -.11 36.80 +.17 -.11 36.02 -.01 -2.54 80.97 +.61 +5.59 126.43 -.15 -2.18 24.03 +.45 +.22 89.31 +.11 -.39 131.41 +.35 +.41 65.55 -.27 -1.02 51.66 +.70 -.44 12.39 +.01 -.20 32.59 -.05 -.30 31.94 +.14 -1.45 59.21 +.12 -.29 56.53 -.06 -1.86 31.29 +.09 +.53 3.78 +.04 -.12 120.79 +.82 -1.31 119.22 -1.12 -3.52 72.03 +.67 -.73

PVS

CLOSE

3-month T-bill .07 6-month T-Bill .09 .17 1-yr T-note .33 2-year T-Note 2.87 10-year T-Note 3.88 30-year T-Bond Bond Buyer Muni Idx 5.12 The prime rate stands at 3.25 percent.

.07 .09 .17 .33 2.88 3.90 5.12

FRI WK’S LAST CHG CHG TrCda g TrnsRty Transocn TravelCtrs Travelers Tredgar TriContl TriCntl pf TriangPet TriMas h TrimbleN s TrinaSolar Trinity TripAdvis TriQuint Tronox TrueBlue Trulia TuesMrn TurqHillRs TurqH rt 21stCFoxA 21stCFoxB Twitter n TwoHrbInv TycoIntl Tyson U-V UBS AG UDR UFP Tch UGI Corp UIL Hold UNS Engy URS US Silica USEC rs USG UTiWrldwd Ubiquiti UltaSalon UltraPt g Umpqua UnderArmr UniFirst UnilevNV Unilever Unilife UnionPac Unisys UtdContl UtdMicro UtdNtrlF UtdOnln rs UPS B UtdRentals US Bancrp US NGas US OilFd USSteel UtdStatn UtdTech UtdTherap UtdhlthGp UnivDisp UnivFor UnvHR Univ Insur UnumGrp Ur-Energy UraniumEn UrbanOut UtahMed VCA Ant VF Cp VaalcoE Vale SA Vale SA pf ValeantPh ValeroE Validus VlyNBcp ValVis A ValueClick VandaPhm VangSTBd VangTotBd VangTSM VangValu VangREIT VangDivAp VangAllW VangEmg VangEur VanSTCpB VangFTSE Vantiv VarianMed Vectren VeevaSys n Velti h Ventas VeriFone VerintSys Verisign Verisk VerizonCm VertxPh ViacomA ViacomB Vical VimpelCm ViolinM n Vipshop VirnetX ViroPhrm Visa VishayInt

43.67 +.14 -.47 +.14 8.34 48.22 -.41 -1.55 8.72 -.14 -1.69 86.49 -.14 -2.52 23.86 -.19 -2.01 19.16 -.05 -.28 44.17 ... 9.12 +.04 -1.70 36.81 +1.01 +.42 31.68 -.05 -.92 12.02 +.07 -.55 51.60 +1.06 +1.74 81.38 -1.22 -4.23 7.96 -.17 22.76 +1.59 +1.40 23.43 -.07 -.45 31.73 +2.49 +.81 15.44 +.18 +.95 3.21 -.01 -.14 -.17 .85 32.93 +.27 -.21 32.08 +.43 -.08 59.00 +3.67 +14.05 +.12 9.11 37.35 -.44 -.40 33.11 -.48 -.71 18.25 -.05 -.54 23.56 -.13 -.65 24.58 -.48 -.77 39.75 +.04 -.59 37.13 +.09 -.64 58.94 +.43 +11.22 50.69 -.05 -2.27 32.29 -.32 -2.82 8.81 +.20 -.19 25.72 +.36 +.11 16.24 +.10 -.65 40.17 +1.50 +3.70 91.96 +.72 -1.80 21.13 -.34 -.22 18.31 -.12 -.39 83.69 -.49 +1.60 101.92 +.92 +.52 38.26 -.11 -1.43 39.13 -.07 -1.53 4.45 +.18 +.14 160.75 -.22 -3.59 29.85 +.37 -.15 38.53 +.91 +1.79 1.96 -.01 -.01 69.25 +2.07 -1.68 13.79 +.09 -.06 101.38 +.43 -1.05 71.99 +1.40 +2.02 39.06 -.14 -.60 21.41 +.04 +1.24 34.64 -.33 -.41 27.31 +.80 +.98 43.03 +.45 -1.34 107.35 -.74 -3.77 88.19 -2.46 -2.78 70.48 -.53 -3.02 31.91 +.48 -1.50 49.51 +.19 -.49 41.60 +1.22 +.93 12.01 +.11 -.47 33.91 +.13 -.40 1.13 -.02 -.03 1.66 -.03 -.17 35.78 -.22 -.21 50.79 -.07 -.64 29.98 -.01 -.34 234.48 +2.24 +.91 6.48 -.02 +.03 14.67 -.11 -.58 13.54 -.54 106.83 +.59 -.84 46.13 +.25 -.45 38.86 -.46 -1.15 9.76 -.02 -.21 6.36 +.11 -.03 21.17 -.01 +.16 10.31 +.46 -.01 80.33 +.04 -.05 80.43 +.09 -.01 92.46 +.03 -1.40 73.99 +.02 -1.25 64.36 +.16 -1.57 72.58 -.04 -1.49 48.75 -.02 -.98 40.34 +.12 -.99 55.36 -.04 -1.18 80.05 +.04 ... 39.76 -.04 -.79 29.18 -.18 -1.58 76.46 +.57 -2.86 34.28 +.12 -.70 36.93 -.59 -3.12 .06 -.01 -.01 55.98 +.72 +.36 24.41 +.09 -.72 40.62 +.42 +.61 57.05 +.61 -.15 64.63 +.44 -2.70 47.84 -.29 -1.64 65.18 -.18 -1.27 81.35 +.54 -.69 81.20 +.48 -.70 1.05 -.03 -.07 12.14 +.06 +.08 2.69 +.13 -.69 80.54 +2.69 -2.01 18.56 +1.15 -.59 49.74 +.03 +.18 207.36 +3.92 +5.49 12.20 -.33

STOCK TABLE FOOTNOTES

CHG YR AGO

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

.06 .10 .18 .25 1.73 2.90 3.98

FRI WK’S LAST CHG CHG VisnChina Visteon VitaminSh VitesseS Vivus VMware Vodafone Volcano Vonage Vornado Voxeljet n Vringo VulcanM W-X W&T Off WD 40 WPX Engy Wabash Wabtec s WaddellR WalMart Walgrn WalterEn WarrenRs WsteMInc Waters WaveSys rs WeathfIntl WebMD WebsterFn WeinRlt Wellcare WellPoint WellsFargo Wendys Co WernerEnt Wesco Intl WestarEn WAHiInOp WDigital WstnGasPt WstnRefin WstnUnion WstptInn g WetSeal Weyerhsr Whrlpl WhiteWave WhitingPet WholeFd s WidePoint WmsCos WmsPtrs WmsSon WillisGp Windstrm Winnbgo Wipro WiscEngy WisdomTr WTJpHedg WT EmEq WT India WolvWW s Workday Worthgtn WuXi Wyndham Wynn XL Grp XOMA XcelEngy Xerox Xilinx XinyuanRE Xoom n Xylem Y-Z YPF Soc YRC Wwde Yahoo Yamana g Yandex Yelp YingliGrn YoukuTud YumBrnds ZaleCp ZebraT ZeltiqAes Zillow Zimmer ZionBcp Ziopharm Zoetis n Zogenix ZweigFd Zynga

12.79 +1.39 78.43 +1.29 53.34 +1.92 2.50 +.02 9.74 -.29 85.62 -.64 36.80 -.65 21.29 -.07 3.22 88.07 +.78 37.80 +.19 3.02 +.12 56.13 +1.72

+2.44 -.56 -.13 -.22 +.01 -.86 -.92 -1.64 -.12 -2.68 -2.65 -.03 +.21

15.36 -.03 75.29 +1.79 19.02 -.24 11.57 +.11 69.44 +1.18 62.08 +.75 78.08 -.42 57.01 -.54 14.41 -.14 3.17 +.08 43.62 -.19 96.03 +.02 .89 -.11 14.71 -.28 36.92 -.01 28.94 -.04 27.45 -.31 68.34 +.49 87.75 -.94 43.73 +.23 8.36 +.16 23.91 +.21 86.27 +.50 31.55 +.05 5.90 -.07 79.05 +.19 59.23 -.98 38.35 -.10 16.37 -.26 18.48 +.23 2.47 +.07 30.01 +.38 148.85 +.22 22.67 +.01 59.02 -.08 56.01 +.11 1.46 +.01 34.25 -.11 49.40 +.20 58.22 -.14 44.35 +.13 7.96 -.05 31.51 +.71 11.70 +.05 40.53 -.16 15.13 +.15 49.37 -.37 50.09 +.12 16.66 -.14 32.23 +.06 79.98 +.26 40.44 +.57 33.83 +1.60 70.59 +.34 181.76 +2.27 29.65 -.26 5.27 -.39 27.74 -.04 11.33 +.13 43.32 -.09 5.31 +.06 25.75 +1.63 33.81 +.30

-.31 -.83 +.73 -.56 +2.49 -1.91 -1.86 +.30 -.76 -.06 -1.21 -2.18 -.22 -.48 -1.45 -.64 -1.29 -4.59 -2.94 -.38 -.19 -.27 -.09 -.47 -.04 +.14 -.65 -.68 -.27 -1.24 -.27 +.19 -.70 +.89 +.30 -.25 +.22 -1.58 +.17 +.19 -.61 -.09 +.34 -.21 -1.46 -.08 -.50 -1.27 -.86 -.11 -1.46 -1.74 +1.23 -1.81 +8.60 -.96 -.75 -.71 +.05 -1.03 -.26 -.88 +.30

29.21 -.15 12.49 +2.49 39.73 +.38 8.69 +.03 38.21 +.05 64.05 -.33 4.21 -.17 30.88 +.93 71.81 +.21 14.48 -.25 50.30 -.38 17.82 +.12 74.92 +1.68 90.51 +.51 28.47 -.31 3.95 +.08 31.58 +.41 3.02 14.19 +.01 4.11 -.03

+.37 +4.04 +.87 +.18 -1.73 +1.19 -.31 +.63 -2.56 +1.60 -1.56 -.59 +1.09 -1.51 -1.26 ... +.04 -.23 -.35 +.12

d — new 52-week low; e — declared or paid in preceding 12 months; f — annual rate, increased on last declaration; g — dividend or earnings in Canadian money (stock prices in U.S. dollars); n — issued in the past 52 weeks; s — split or stock dividend of 20% or more in the past 52 weeks with the high-low range adjusted; u — new 52-week high; v — trading halted on primary market, but unless dividend is noted, rates are annual disbursements based on last declaration; pl — preferred; pp — holder owns installment(s); rt — rights: un — units; wd — when distributed; wi — when issued; wt — warrants; ww — with warrants; x — ex-dividend or rights; xw — without warrants


I6 / SUNDAY, DECEMBER 15, 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 +7.6 27.18 IntEqIIA t +6.7 11.56 AcadEm -4.5 18.34 Advance Capital I: Balanc p +14.0 19.23 RetInc -.5 8.63 AdvisorOne : AmerigoN NA 16.72 ClermontN NA 11.21 AegisValFd +28.6 20.92 Akre Funds: FocusRetl e +30.5 19.97 Alger Funds A: CapApr +29.7 21.68 SmCapGr +27.2 9.83 SpectraN +30.0 17.83 Alger Funds I: CapApprI +29.6 28.89 MidCpGrI +30.0 19.74 SmCapGrI +27.5 33.02 AllianceBernstein : BdInfla 1 -5.5 10.61 LtdDurHi +5.2 10.66 MuBdInfla 1 -3.5 10.23 Muni Inco -6.9 9.93 RealAsset 1 -3.9 10.53 SelUSEqAd +26.4 14.60 AllianceBern A: BlWlStrA px +11.3 13.12 ConWlthA px +5.0 11.77 DiscGrA p +31.8 9.48 EqtyIncA p +23.0 28.24 GloblBdA -2.0 8.26 GblRisk p -1.3 16.20 GlbThGrA p +17.2 77.44 GrIncA p +29.2 5.18 GrowthA p +28.3 53.77 HighIncoA p +6.3 9.38 IntGroA p +8.0 15.71 IntlValA p +16.6 13.43 LgCpGrA p +31.8 38.21 NtlMuA p -4.1 9.83 QualBdA p -1.5 10.90 SmCpGrA +37.0 51.46 AllianceBern Adv: DiscValAdv +32.1 22.92 SelUSLgSh +17.8 11.79 TxMWApAd +21.9 14.86 UnconstBd -.5 8.60 ValueAdv t +30.7 12.72 WlthApSt x +19.4 14.18 Allianz Funds A: FocGrthA +32.8 38.21 MCapValA +26.7 23.03 AmanaGrw NA 31.76 AmanaInc NA 42.42 Amer Beacon AMR: BalAmr +18.1 15.53 Amer Century Inv: +24.2 35.47 AllCapGr Balanced +14.5 19.29 -1.2 11.55 CAIntTF +29.1 16.91 DiscGrth EmgMkI -.9 8.68 +27.4 29.60 EqGroI +16.1 8.39 EqInc GNMAI -2.2 10.65 -52.0 8.63 GlGold +25.5 12.21 Gl Grwth GovBd -2.5 10.95 +24.0 33.33 GrowthI +25.9 24.48 HeritageI HiYldMu -5.1 8.75 +30.2 34.97 IncGro -2.3 10.28 InflProBd InfAdjBd -8.6 11.73 -2.1 11.15 IntTF -4.7 13.93 IntlBnd IntDisc +23.4 12.48 +16.8 13.40 IntlGroI +26.2 7.83 LgCoVal LivS2015 +9.5 13.53 +25.3 15.25 MCapVal -2.2 10.58 NTDvBd NTEmgMkt -.9 10.45 +27.7 11.78 NTEqGrp +24.7 15.55 NTGrwth NT Heritg +25.3 13.62 +16.7 11.83 NTIntGr +26.3 11.51 NTLgVal NT MCVl +25.8 11.79 NTSmCoInst +36.5 9.99 +32.0 11.05 New Opp OneCh2020 +10.3 11.89 OneCh2025 +11.5 14.14 OneCh2030 +13.1 12.02 OneCh2035 +14.7 15.07 OneCh2040 +16.2 12.36 OneCh2045 +17.2 15.57 OneCh2050 +17.7 12.30 +8.4 12.93 OneChCon +16.8 15.48 OneChAg OneChMd +13.1 14.26 +3.4 11.67 VeryCons +21.1 16.19 OneChVAg OneChRet +9.1 12.69 -1.0 22.98 RealEstI +24.3 54.13 SelectI ShortDur +.1 10.43 -.4 9.65 SGov +34.2 12.08 SmCapGr SmCpVal +28.6 9.29 +36.4 11.88 SmallCo +16.1 9.31 StrAgg StrConv +8.0 6.16 +12.6 7.64 StrMod +31.2 34.16 Ultra Util +15.2 15.95 +26.1 7.95 ValueInv ZrCpn2015 114.22 ZrCpn2020 -5.0 94.42 American Funds A: AmcpA p +31.6 27.93 AMutlA p +23.5 34.48 +18.0 23.77 BalA p BondA p -1.7 12.45 CapIBA p +11.1 57.13 CapWGA px +19.9 43.53 CapWA p -2.7 20.32 EupacA p +15.3 47.52 +25.7 50.86 FdInvA p GlblBalA +14.3 30.19 GovtA p -2.7 13.71 +28.2 44.04 GwthA p HI TrA p +5.8 11.33 HiInMuniA -3.4 14.29 IncoA p +14.6 20.18 IntBdA p -.9 13.46 IntlGrIncA p +12.9 34.97 ICAA p +26.9 37.83 LtTEBA p 15.96 NEcoA p +38.2 39.29 N PerA p +21.5 37.99 NwWrldA +6.9 58.25 STTxExBd +.5 10.23 STBFA p -.2 9.99 SmCpA p +24.8 49.81 TxExA p -2.7 12.39 2050TarA p +21.6 12.11 2045TRetA p +21.7 12.34 2040TarA p +21.7 12.36 2015TarRet p +12.5 10.87 2020TarRet p +15.0 11.17 2010TRetA p +10.0 10.47 2030TRet p +20.8 12.20 2035TRetA p +21.1 12.18 2025TRetA p +19.3 11.77 WshA p +26.8 39.00 Ariel Investments: Apprec +39.1 53.42 Ariel +37.4 70.35 Artisan Funds: GlblOppInv +18.8 17.50 GblValInv +24.6 14.58 Intl +19.8 29.16 IntlSmCp r +23.5 25.88 IntlVal r +24.6 35.12 MidCap +31.5 45.57 MidCapVal +30.7 25.98 SmCap +36.5 28.30 SCapVal +22.7 18.14 Value Inv +21.3 12.96 AuxierFocI +19.4 19.41 Ave Maria Funds: Group p +25.8 29.83 RisingDiv +28.4 17.20 BBH Funds: CorSelN +22.3 20.69 IntlEq +12.0 14.59 LtdDurN +1.0 10.37 BMO Funds: CorePlBdY -1.5 11.41 IntTxFrY -1.7 10.82 MidCpVY +32.8 15.48 SmCpGrY +35.4 21.27 BNY Mellon Funds: AssetAlloM +12.3 12.41 BondFd -2.1 12.95 EmgMkts -3.4 9.90 IncmStk +28.7 8.80 IntlFd +19.8 12.04 IntBdFd -1.1 12.80 LgCpStk +22.1 6.20 MAIntMun -2.1 12.74 MCapMltSt +30.4 14.60 NtIntMu -1.4 13.37 NtShTMu +.4 12.92 PAIntMu -2.5 12.37 ShTUSGv 12.04 SmCpStk +36.2 16.23 Baird Funds: AggBdInst -1.1 10.47 CorBdInst -1.2 10.84 IntMuBInst -1.1 11.60 IntBdInst +.1 11.08 ShtTBdInst +1.3 9.73 Baron Funds: Asset +33.8 59.83 Growth +33.1 69.66 Oppty t +31.2 18.70 Partners p +41.6 31.96 RealEstate +20.8 21.15 SmallCap +31.0 33.09 Bernstein Fds: ShDvMu +.4 12.61 ShtDur 11.76 IntDur -2.1 13.40 Ca Mu -1.5 14.27 DivMu -1.1 14.30 NYMu -1.5 13.98 TxMgdIntl +14.6 15.70 IntlPort +14.3 15.63 EmMkts -4.1 26.81

... -.06 -.03 +.01 +.01 ... -.01 ... +.06 -.33 +.06 +.04 +.05 +.07 +.08 +.12 +.01 -.01 +.01 ... -.01 ... -.35 -.18 +.04 +.01 ... ... +.09 ... +.09 ... -.01 -.02 +.07 ... +.01 +.15 +.08 ... +.01 ... +.02 -.31 +.06 +.02 +.14 -.01 ... +.10 ... ... -.03 -.03 -.04 ... +.01 +.05 +.01 +.01 +.01 +.11 ... ... ... +.03 ... -.01 ... -.01 ... ... +.01 +.01 -.03 -.02 +.01 +.06 -.01 ... +.01 +.03 +.06 ... ... +.01 ... +.01 +.01 +.01 +.01 +.01 ... +.01 ... ... +.06 +.02 ... ... +.05 +.04 +.04 +.01 ... ... +.04 -.01 ... -.01 +.05 +.05 -.02 +.02 +.01 -.07 -.28 +.01 -.11 +.05 -.02 +.02 +.09 ... +.01 +.02 ... ... -.03 ... +.15 +.01 -.08 -.01 ... -.03 ... ... +.01 +.01 ... ... ... +.01 ... +.01 +.03 +.14 +.18 +.01 -.03 -.06 -.05 -.06 +.18 +.02 +.16 +.04 -.07 -.01 +.08 +.01 -.57 -.29 ... +.01 ... +.02 +.18 ... ... -.02 -.02 -.04 ... ... ... +.02 ... ... ... -.01 +.06 +.01 +.01 +.01 ... ... +.30 +.25 +.13 +.09 +.15 +.18 ... ... +.01 +.01 ... +.01 -.01 ... -.03

YTD Return Last

Berwyn Funds: Fund +30.1 41.66 Income +14.1 14.77 BlackRock A: AssetAllo p +8.9 16.27 BalCapA p +16.5 26.29 CapAppr p +27.2 26.00 Eng&ResA +9.8 31.77 EuroA r +19.5 15.22 ExcBlrk +22.9 775.71 FlexEqA +19.5 14.12 GlbEmMk r -4.4 18.94 GlOpp p +22.7 13.87 GlbSmA r +15.5 26.29 HltScOp x +38.5 39.44 InflProBdA -7.9 10.86 IntlIdxA rx +15.1 12.36 LgCpCA p +27.6 15.52 LgCpGwth e +27.0 12.85 LgCVA p +27.0 19.71 LatAA r -15.3 51.34 LgHrzEq r +18.1 14.36 LwDrBd +.9 9.75 MdCpGA +38.8 14.40 NatRsTA p +11.9 65.15 PacA r +17.0 18.28 USGovBd -2.3 10.47 BlackRock Instl: MdCpVOp r +28.6 22.44 ValueOpp +35.0 28.37 Bridgeway Funds: AggInv1 +37.4 50.38 BlChp35 +25.9 10.46 USCMkt +42.9 17.86 BroadvwOp +38.0 39.15 Brown Advisory Fds: GroEqInv e +23.0 18.06 IntIncInv re -4.3 10.57 SCpGrInv e +28.3 17.81 ValEqInv r +31.0 16.79 BrwnSmCI +41.9 70.58 BruceFund +16.0 457.78 Buffalo Funds: Balancd +13.6 14.10 HiYld +8.2 11.91 MicroCp t +52.3 18.85 MidCap +23.5 20.95 Sci&Tech +30.1 20.47 SmCap +37.3 38.69 USA Gbl +29.0 35.40

Fri Chg Fund +.24 +.01 ... +.03 +.08 +.03 -.04 -3.36 -.04 ... +.04 +.04 -4.04 +.03 -.30 +.02 -.93 +.03 +.07 -.02 ... +.08 -.13 -.03 ... +.06 +.07 +.19 -.02 +.10 +.16 -.10 -.22 -.70 -.03 -.79 -.32 -.01 ... +.17 +.07 +.07 +.13 +.05

C-D

CGM Funds: Focus +30.5 38.24 Mutl +16.3 33.06 Realty +3.6 30.21 Calamos Funds: ConvA p +16.9 19.19 Gr&IncA p +13.2 35.95 GrwthA p +28.1 60.25 HiYldA p +5.6 9.92 C&OMkOpp +1.5 21.67 Calvert Invest: +23.8 34.97 CpAccA p Inco p -.9 16.06 +16.4 16.52 IntlEqA p +.7 16.29 ShDurInA t SocialA p +14.6 30.88 -2.6 15.56 SocBd p +24.8 46.01 SocEqA p SoclIdxA t +29.2 16.53 Cambiar Funds: +36.9 15.04 AggValInv OppInv +26.3 22.60 Center Coast: +14.2 10.63 MLPFoc A ChamplSC p +30.9 16.16 +25.4 482.82 Chestnt City Nat Rochdale: Div&Inc N +17.1 33.21 ClearBridge: +37.9 172.97 AggGr A AllCapVal A +24.6 15.75 +23.9 18.72 Apprec A +21.2 17.64 EqInco A Equity O +25.8 15.05 IntAllCOp IS +17.9 10.73 +31.0 27.46 LgCapGr A MidCCore A +31.6 28.05 +36.5 26.70 SmCapGr A Clipper +28.0 88.17 Cohen & Steers: +1.0 61.55 RltyShrs Columbia Class A: AMT TEBd -3.6 3.81 +18.2 12.95 BldAggA p +3.3 10.67 CapAlloCn p CaAlloMod p +11.2 12.32 CaAlloMAg r +14.1 13.17 +6.6 11.74 CapAllo r Thermost +8.5 15.50 +20.9 17.72 CnvSecA +25.5 13.18 DivEqInc DivOpptyA +21.1 10.36 +25.6 13.70 EqVal A +5.0 9.22 FlotRteA p FocEqA te +31.4 19.52 +22.2 9.31 GlobEqty +10.0 11.19 GlblOppA HiYldBd +5.5 2.98 +5.0 11.60 IncmBldr t +4.3 10.01 IncOppty p IntBd t -2.4 8.98 +9.0 12.94 IntEqA t +24.9 31.96 LgCapGrA t LgCorQ A p +28.3 8.29 +21.2 14.90 LiGoGrA p +1.0 9.91 LtdDurCr p 21CntryA t +36.8 18.21 MidCVlOp p +29.0 10.94 MulAdSC A p +29.5 7.99 StrtInA 6.21 -3.4 13.27 TxEA p SelComm A +16.2 47.83 GlobTech +19.4 24.95 +31.8 20.89 SelLCVal A SelSCValA p +41.8 21.79 Columbia Cl I,T&G: -6.4 11.28 EmMktBdI USGvMtgI -.9 5.39 Columbia Class Z: +25.1 35.66 Acorn Z AcornIntZ +17.4 44.80 AcnIntSIZ +10.6 26.21 +27.6 25.41 AcornSelZ AcornUSA +26.1 34.11 Bond -2.9 8.71 -1.2 10.14 CAIntmZ ContCoreZ x +30.4 19.80 DivIncoZ +23.7 17.96 EmgMkt r -3.7 10.01 GblEnrgy +9.2 21.68 HYMuniZ -3.6 9.91 IntTEBd -1.7 10.47 LgCapCorZ +25.4 12.40 LgCpIdxZ +26.8 34.24 LCpEnCr +29.9 18.01 MarsGrZ e +30.3 24.29 MAIntMB -1.9 10.75 MCpGthZ +25.6 30.30 MdCpIdxZ +28.0 14.44 MdCpVlZ p +28.9 17.04 NYMuni -1.5 11.91 ORIntMuZ -1.7 12.33 ReEsEqZ -2.5 12.69 SelLgCapG +36.9 18.26 STIncZ +.5 9.97 STM Z +.8 10.49 SmCpCorZ +29.5 19.35 SCpGthZ +33.4 31.29 SmCpIPZ +34.8 22.50 SmCpVal +28.0 48.49 SCValIIZ +33.4 17.62 StrInvZ +15.8 20.94 USTreas -2.4 10.95 ValRestr +30.6 47.18 VAInvZ -2.0 10.90 Columbia Funds: BalancedA t +18.0 33.68 Commerce Funds: Bond -.5 20.09 MoTFBd -2.9 19.02 NatTFBd -3.2 18.95 ValueI +27.6 29.81 CG Cap Mkt Fds: CrFxInc -1.7 8.23 EmMkt -7.9 12.95 IntlEq +12.8 11.58 IntlFx -1.7 7.57 LgGrw +29.9 20.04 LgVal +26.5 11.88 SmCapVal +25.2 14.25 SmGrw +40.1 27.23 DFDentPrm +28.3 25.01 DFA Funds: CASTMuni +.7 10.29 Gl25 75 I +4.8 12.55 Glb6040Ins +13.1 15.08 IntmTMuni -1.8 9.73 IntlCorEq +17.4 12.18 USCorEq1 +30.7 15.83 USCorEq2 +31.6 15.64 WexUSGov -1.5 10.10 DWS Invest A: EqtyDivdA +22.3 41.51 GblIncBldr +10.5 10.20 HiIncA +6.8 4.96 SmCapVal +28.1 46.30 StrGovSecA -4.4 8.09 TechA +20.5 17.75 UnconIncA -.5 4.84 DWS Invest S: CapGrth r +28.4 76.00 CoreEqtyS +31.3 23.77 CorPlsInc -2.7 10.64 GNMA S -4.2 14.21 GlbSmCGr +27.6 48.21 GlblThem +19.7 27.97 HlthCare r +41.0 34.26 HiYldTx -5.7 11.80 IntTxAMT -2.7 11.54 Intl FdS +13.8 48.89 LgCpFoGr +24.4 40.23 LgCpVlS r +26.1 22.84 LatAmrEq -11.3 29.00 MgdMuni S -3.6 8.84 SP500S +26.6 23.69 ShtDurPlS +1.6 9.19 WorldDiv +18.0 27.61 DavenptCore x +26.9 18.49 Davenport Funds: Value&Inc x +25.4 13.94 Davis Funds A: Apr&IncA +22.7 33.08 NYVen A +28.3 41.30 OpptyA +35.2 31.67 FinclA +25.7 38.22

+.27 +.17 +.14 +.05 +.02 +.12 +.01 +.06 +.11 +.02 -.01 ... ... +.01 -.03 +.01 -.09 -.01 +.03 +.04 +.01 +.05 -.51 -.01 -.01 -.02 ... ... +.07 +.08 +.11 -.03 +.23 ... ... +.01 +.01 ... ... -.01 +.06 -.02 +.01 +.01 ... -4.62 ... ... ... +.01 -.01 ... ... +.02 -.01 +.01 ... +.06 +.04 +.04 +.01 ... ... +.07 -.05 +.07 +.04 ... +.13 -.03 -.08 +.06 +.15 ... +.01 -1.26 ... ... -.03 ... ... -.02 ... -.01 -3.93 ... +.07 +.05 +.03 +.01 ... +.05 +.03 ... ... +.07 +.09 +.08 +.19 +.08 -.02 +.01 +.07 +.01 +.04 +.01 +.01 +.01 -.01 ... ... -.02 ... +.09 ... +.05 +.18 +.09 ... +.01 +.02 +.01 -.01 +.02 +.03 ... +.05 -.01 ... +.09 ... +.03 ... +.11 +.04 ... +.01 +.17 +.04 -2.47 ... ... -.11 -.46 -.01 -.06 +.01 ... ... -.06 -.75 -.38 +.05 -.02 +.05 +.03

YTD Return Last

Fri Chg

RlEstA -4.0 27.82 Del Inv Instl: Value +28.3 15.73 Intl EqI +16.4 13.74 USGrw +29.2 24.03 Delaware Invest A: CorpBd p -.8 5.83 Diver Inc p -1.6 8.89 Div Inc p +16.4 12.62 ExtDurBd p -4.4 6.22 HYldOpp p +7.8 4.33 SMIDCapG +34.2 29.56 LtdTmDvrA -1.9 8.55 SelGrA p +26.3 49.03 TxIntA p -2.5 11.79 TxUSA p -5.1 11.25 Diamond Hill Fds: LgCapI +31.2 21.80 LongShI +19.8 21.98 SmCapA r +35.4 33.77 Dimensional Fds: EmMCrEq -4.2 19.15 EmgMkSoc -4.6 12.29 GlbRESec -.5 8.64 ITExQual -3.3 10.33 IntSusCore1 +16.7 9.49 IntlVectEq +18.2 11.30 SelHdGFxd -1.2 9.98 STMunBd +.6 10.22 SustUSCorI +30.8 14.84 TAUSCorE2 +31.5 12.80 US LgCpGr +28.8 12.69 USSoCorE2 +31.0 12.01 USVctrEq +33.7 15.62 USLgVa2 +34.5 14.40 USLgVa3 +34.7 22.71 US TgdVal +36.1 21.67 GlEqInst +23.6 17.18 IntlREst -.8 4.87 IntVa3 +16.8 16.52 InfProSec -8.6 11.55 IntVa4 +16.8 14.43 TMMtV2 +34.4 21.94 Dodge&Cox: Balanced +24.3 95.66 GblStock +27.3 11.44 Income +.6 13.64 IntlStk +19.9 41.55 Stock +34.0 161.47 Domini Soc Inv: IntlSocEq t +19.7 8.16 SoclEq +28.1 41.94 DoubleLine Funds: LwDurBd N NA 10.18 Dreyfus: AMTMunBd -3.5 13.35 ActMidA +30.0 47.38 Aprec +16.5 50.49 BalOpptyA +17.6 21.18 BsicS&P +26.9 36.51 CoreEqA t +16.4 20.77 Discp +24.1 34.17 +26.9 12.28 Dreyf +27.6 36.89 DryMid r Dr500In t +26.5 48.59 -6.5 9.74 EmgMktI r -2.2 15.02 GNMA GlbAlphaI +10.8 14.18 -.1 21.42 GlFxInc I +17.0 42.58 GrChinaA r GrInc +30.3 19.74 +7.4 6.74 HiYldI -1.4 13.64 IntmTIncA Interm r -1.7 13.64 -.4 22.59 IntTEBd I +15.2 16.64 IntlIndx r IntlStkI +4.8 15.19 +28.8 15.18 LgCpEqI -3.4 11.14 MunBd r MuBdOppZ -3.6 12.19 OppMCVal A +33.0 38.27 +38.8 33.67 OppSCap ST IncD +.9 10.65 +.9 13.18 SI MuBdD +34.6 29.54 SmCStk r SmCapVal I +30.0 34.06 +33.6 17.29 SMidCpGr I +31.8 40.76 StratValA TechGroA +26.0 42.63 +28.1 13.60 ThirdCenZ +13.8 51.07 WWGrA DreihsAcInc +2.7 10.79 Driehaus Funds: +7.3 32.83 EMktGr SelCredit +6.0 10.24

+.09 -.02 -.07 +.16 +.01 +.01 -.01 +.02 ... +.15 ... +.40 ... +.01 -.01 -.02 +.06 ... ... +.03 +.02 -.01 -.01 +.01 +.01 +.01 +.02 +.01 +.01 +.03 +.01 +.01 +.09 +.01 +.01 -.04 +.03 -.04 +.03 +.05 -.01 +.01 -.08 +.08 -.02 -.11 ... ... +.08 -.09 ... -.01 -.03 ... ... +.13 ... -.01 ... ... +.01 +.39 +.02 -.01 +.01 +.01 +.01 -.02 +.01 +.04 ... +.01 +.06 +.04 ... ... +.10 +.16 +.09 -.01 +.50 -.01 -.11 ... -.05 ...

E-F

Eagle Funds: +26.0 40.26 CapApprA +23.6 16.84 Gr&IncA MdCpGrA p +31.2 41.82 MdCpStkA p +25.0 30.22 Eaton Vance A: GlbDivInc p +17.2 8.08 -.6 10.52 TxAdBdST p +26.5 752.95 TMG1.0 BalanA +17.4 8.80 -6.2 8.64 AMTFMInc +4.7 9.62 FltRtHiIn r HlthSA p +39.5 12.29 +7.9 4.64 HiIncOpp r -5.6 7.87 HY MuInc GrIndia t -13.5 19.22 -2.1 9.89 NatLtMInc -7.4 9.07 NatlMunInc ShDurStrat -.1 7.83 +15.7 11.03 GlbTxMDiv +26.1 33.82 TMG1.1 TMG1.2 +26.0 15.20 +24.5 17.00 TMEAA p +25.5 21.85 TxMnVlA TradGvA -1.6 6.94 +20.6 12.93 DivBldrA FAM Funds: Value +28.4 62.77 FMI Funds: ComStk +26.4 30.24 LgCap p +24.3 21.25 +20.9 10.95 ProvTrStr FPA Funds: Capit +18.9 46.80 +.8 10.36 NewInco Paramnt f +22.9 26.02 Peren +26.1 49.48 +18.5 33.23 FPACres FairholmFoc +29.7 11.87 Fairholme +30.7 41.08 Federated A: AssetAlloc +14.6 21.06 ClovValA +27.0 20.83 InterCntlA t +7.1 53.10 KaufSCA p +31.3 31.06 MunHYAdA -5.4 8.17 PrudBear p -24.5 2.74 BondA +.9 9.34 CapIncA +10.7 8.54 EqInA p +25.8 23.85 MidGrStA +34.3 42.41 HiInBdA +6.4 7.82 IntLdrs p +20.6 32.34 IntSmCoA +22.1 47.44 MnSkAd p +6.8 12.03 MuSecA -4.1 10.02 StrIncA -.1 9.16 US GvtA -1.7 7.47 Federated F: GISI F -2.0 8.87 Federated Instl: KaufmnR +34.3 6.74 Fidelity Adv Foc A: EnergyA p +18.9 41.29 HlthCrA r +48.8 32.75 TechA e +24.2 32.25 Fidelity Advisor A: Biotech A e +55.9 17.97 DivIntlA r +19.8 18.98 EAsiaA t +2.3 29.26 FAFr2045A +16.5 11.20 FF2030A p +13.2 13.97 FF2040A p +15.9 14.30 GroIncA x +27.8 25.15 HiInAdvA +8.9 10.65 IndusA +32.6 36.22 LevCoStA p +31.0 51.34 MuIncA -3.0 12.81 SmlCpA px +32.9 26.88 StrInA +.1 12.29 Fidelity Advisor I: AdvReEstI x -.5 18.91 EmgMktII -6.8 13.37 HiIncI +5.6 8.39 InfProBdI -8.5 12.19 LgCapI x +33.6 26.80 LtdTmGov -.1 10.05 MdCpII I x +29.3 20.15 NwInsgtI e +27.8 25.77 ShtFixI +.7 9.35 Fidelity Advisor T: BalancT x +16.5 18.42 DivGrT px +25.5 16.74 EqGrT p +30.3 79.72 EqInT x +22.4 31.28 GrOppT +30.0 54.04 LtdTmBdT -.3 11.47 OvrseaT +23.8 22.00 StkSelMC +25.1 28.29 Fidelity Freedom: FF2000 +3.6 12.67 FF2000K +3.6 12.11 FF2005 +6.4 11.90 FF2005A +6.1 12.18 FF2005K +6.5 13.23 FF2010 +9.0 15.35 FF2010A +8.4 12.91 FF2010K +9.1 13.76 FF2015 +9.3 12.81 FF2015A +8.8 12.83 FF2015K +9.4 13.92 FF2020 +10.4 15.69 FF2020A +9.8 13.46 FF2020K +10.5 14.50 FF2025 +13.0 13.33 FF2025A +12.4 13.18 FF2025K +13.1 15.04 FF2030 +13.9 16.17 FF2030K +14.0 15.30 FF2035 +16.2 13.42 FF2035A +15.6 13.35 FF2035K +16.4 15.77 FF2040 +16.5 9.45 FF2040K +16.8 15.86 FF2045 +17.1 10.96 FF2045K +17.3 16.18 FF2050 +17.3 11.02 FF2050K +17.6 16.25 FF2050A +16.8 11.14 Free2055 +18.1 11.52

-.03 -.02 +.23 +.11 -.02 ... -.61 +.01 +.01 +.01 +.01 ... ... -.34 ... ... ... -.01 -.03 -.01 ... -.01 ... -.01 -.03 +.05 -.02 +.01 +.03 ... ... +.06 -.02 +.05 ... +.01 +.01 -.17 +.21 ... ... +.01 ... -.01 +.12 -.01 ... -.02 +.01 +.01 ... +.01 +.01 +.02 -.15 +.08 -.29 -.04 -.04 -.07 ... ... ... -.25 ... +.16 +.10 +.01 -3.34 ... -.22 +.04 ... +.04 -1.78 ... -2.41 -3.60 ... -.23 -.07 +.27 -.24 +.03 ... -.02 +.04 ... ... +.01 +.01 ... +.01 ... ... ... ... +.01 ... ... ... ... ... ... ... ... ... ... -.01 ... ... -.01 ... ... ... ... ...

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Free2055K +18.3 11.63 FreeIncA p +3.3 11.19 FreeIncK +3.7 11.91 Income +3.6 11.86 Fidelity Invest: AdvSmCap NS 10.12 AdvGrOpp x NS 10.06 AggIntl +16.2 16.00 AllSectEq +28.3 14.98 AMgr50 x +11.2 17.13 AstMgr30R x +6.4 10.32 AstMgr40 x +8.9 10.46 AstMgr60 x +13.6 10.84 AMgr70 rx +16.1 19.83 AMg85 x +20.1 16.42 AMgr20 rx +4.1 13.19 Balanc x +16.9 22.08 BlueChGr x +34.1 60.75 BlueChVal x +30.1 14.01 CALtTTxF r +.4 10.61 Canada +6.1 56.23 CapAp +30.1 34.63 CapDevO x +26.2 14.78 CpInc r +8.5 9.77 ChinaRg r +20.1 33.21 Contra x +29.2 92.57 CnvSc x +21.7 30.72 CorpBd -1.7 10.95 DisEq +31.2 31.04 DivIntl +19.1 35.11 DivStkO x +28.2 21.96 DivGth x +26.2 33.94 EmergAs r +1.7 30.02 EmrMk +1.6 23.58 EmMkDebt -4.5 10.05 Eq Inc x +22.8 56.46 EQII x +23.7 23.61 ECapAp +18.2 22.13 Europe +18.7 36.56 Export +20.7 23.31 Fidel x +24.1 41.03 Fifty r +32.0 26.66 FltRtHiInc +6.2 10.38 FltRateHi r +3.6 9.95 FocHiInc r +4.1 8.99 FocsdStk r +32.0 18.87 FrInOne +19.9 35.02 GNMA -1.8 11.26 GloBal x +12.3 24.05 GlbCmdty r -7.6 13.48 GblHiInco +5.1 10.02 GblStratC +6.2 9.80 GovtInc e -2.1 10.22 GroCo +31.2 114.32 GroInc x +28.2 26.77 GrDiscv +31.4 20.44 GrStrat rx +32.0 27.29 HighInc r +6.3 9.36 Indepn x +34.2 34.68 InProBd -8.5 12.22 IntBd -.4 10.87 IntGov -.9 10.59 IntmMu -1.4 10.22 IntlGrRet +16.2 10.69 IntRlEst rx +9.1 9.86 IntlDisc +18.3 38.35 IntlEq r +10.7 7.82 IntlSCp r +29.5 25.68 IntlSCOp r +19.9 13.40 IntlVal r +15.8 8.56 -1.7 11.16 InvGrBd -1.6 7.70 InvGB Japan r +20.4 11.72 +47.4 13.05 JpnSm LCpCrEIdx x +29.0 10.81 LCpGrEIdx x +29.5 13.44 +33.2 26.05 LargCap LgCpVlEnh x +28.3 9.76 LatAm -19.2 30.54 +29.8 41.53 LevCoStk +29.8 47.79 LowP rx LtdTMuni +.2 10.69 +30.3 88.93 Magelln MegaCpStk x +28.0 14.81 MdCEnIdx rx +34.5 12.77 +32.6 37.71 MidCap x +32.8 21.60 MCpVl rx MtgSec -1.6 10.99 -3.0 12.72 MuniInc NASDAQ rx +33.8 52.78 NwMkt r -6.7 15.80 +30.7 37.60 NwMill x +38.6 41.62 Nordic OTC e +38.5 73.19 +25.0 11.56 100Index +19.7 38.02 Ovrsea PcBas +24.4 27.02 +17.0 20.65 Puritn x -.5 11.51 RE Eqty x RE Inco x +4.4 10.78 +3.2 10.98 RealEInc rx -.7 31.23 RealE x Srs1KValR NS 10.02 NS 10.21 SrBlChGrF x -9.8 7.94 SCmdtyStrt SrEmrgMkt +.2 17.02 +9.4 11.73 SrsGlobal NS 10.09 SrsGrCl F x SrsIntGrw +16.1 13.66 SrsIntSmCp +19.5 14.88 +15.8 10.61 SrsIntVal SrsSCDsc F NS 10.01 +.6 8.59 STBF +33.3 30.15 SmCapDisc SCEnhIdx x +32.1 12.10 +37.6 18.35 SCpGrth r +28.9 12.79 SmCapOp x SmallCap r +23.8 19.97 +31.5 19.23 SCpValu r StkSelLCV rx +27.1 14.66 StkSlcACap x +28.2 34.04 StkSelSmCp +30.1 24.90 +14.7 13.67 StrDvIn x StratInc e +.4 10.87 -2.3 9.15 StrReRt rx -2.9 10.99 TaxFrB r TotalBd -.8 10.47 +29.8 94.86 Trend -2.0 11.41 USBI UlShBd r +.4 8.25 +15.9 21.17 Utility ValueDisc x +29.9 20.87 ValStra tx +25.5 39.41 +30.9 98.94 Value Wrldw +25.3 23.45 Fidelity Selects: +47.0 58.80 Air Automotiv r +43.3 55.91 Banking +34.1 25.85 +57.3 172.54 Biotch Brokr +41.4 70.91 Chem +23.2 144.39 +20.3 27.69 ComEquip Comp +24.5 70.86 ConDis +35.3 34.36 +27.5 17.35 ConsuFn ConStap +17.8 91.86 CstHo +14.7 55.60 DfAer +40.2 121.12 Electr +30.0 59.02 Enrgy +19.2 60.45 EngSv +24.0 82.54 FinSv +28.1 79.01 Gold r -51.8 17.82 Health +49.3 195.61 IT Svc +43.4 35.96 InEqp +25.8 46.36 Industial +33.1 33.18 Insur +38.4 69.78 Leisr +36.5 134.09 Material +16.4 82.99 MedDl +30.1 73.29 MdEqSys +35.3 37.23 Multmd +36.8 78.48 NtGas +20.3 37.09 NatRes r +13.2 36.51 Pharm +35.3 20.02 Retail +38.8 86.24 Softwr +42.8 117.50 Tech +25.0 116.68 Telcm +15.4 58.51 Trans +43.9 73.41 UtilGr +16.4 64.29 Wireless +21.3 9.96 Fidelity Spartan: IntTrAdv r -3.7 10.70 MidC Advg x +29.3 15.19 SpLTTrAd r -11.6 11.14 Fidelity Spart Adv: EmMktIdx x -6.1 9.42 ExMktAd rx +32.0 51.03 500IdxAdv x +27.0 62.85 GblxUSIdx x +9.4 11.85 IntAd rx +15.7 38.64 SpSTTBAdv r 10.48 TotMktAd rx +27.9 51.89 First Eagle: GlblA +11.7 54.29 SGenGld p -47.1 14.48 US ValA t +12.6 20.14 First Investors A EqtyInco p +24.7 9.43 GloblA p +20.5 8.36 GovtA p -2.1 10.87 GroInA p +30.9 21.68 IncoA p +5.9 2.64 IntlA p +1.6 12.26 InvGrA p -1.1 9.81 OppA p +37.2 40.68 SelGrA p +28.2 10.05 SpSitA p +24.1 29.38 TxExInco p -3.1 9.59 TxExOpp p -4.8 15.86 TotRtA p +16.9 19.15 Forum Funds: MrHrdCur -2.9 11.67 PolGlbVl p +29.9 19.78 Forward Funds: SelectIncA p +3.1 23.69 Frank/Temp Frnk A: AdjUS p -.2 8.70 T BRIC A t -7.5 10.60 BalInv p +30.8 55.08 BioDisA p +59.8 132.90 CA IntA p -1.6 11.63 China A p -1.0 38.33 TgtConA p +8.4 14.88 CvtScA p +19.7 17.91 CoreAll p +25.8 17.05 DynTchA +33.6 42.61 EqIncA p +24.4 22.16 FedL T TF +.4 10.46 FedInt p -2.3 11.97 FedTFA p -4.4 11.75 FlxCpGrA +31.6 61.70 FoundAl p +19.3 13.12 GoldPrM A -49.5 15.51 GrwthA p +24.5 62.72 GrOppA p +33.7 28.93 HYTFA p -6.7 9.80 HiIncA +7.1 2.10 IncomA p +11.4 2.36 InsTFA p -3.7 11.74 NYITF p -2.4 11.35 IntSCoGr r +31.7 22.14

Fri Chg Fund ... ... ... ... ... +.01 -.01 +.02 -.97 -.20 -.31 -.62 -.29 -.58 -.33 -.35 -1.25 -.05 ... +.27 +.07 -.09 +.01 +.07 -6.64 -.04 +.01 +.02 -.08 -.30 -.99 -.08 -.04 +.02 -.48 -.16 -.07 -.11 -.05 -1.09 +.15 ... ... -.01 +.12 ... +.02 -2.20 +.02 ... ... ... +.14 -.16 +.07 +.02 ... ... +.03 ... ... +.01 -.01 -.22 -.09 -.01 -.06 -.02 -.02 +.01 ... -.11 -.14 -1.41 -.66 +.03 -.55 +.04 +.07 -1.06 +.01 +.03 -.32 -.49 -.82 -2.04 ... ... -.86 +.04 -1.94 -.04 -3.30 -.01 -.10 -.10 -.44 -.07 -.27 -.28 -.19 +.01 +.01 ... -.02 -.02 ... -.01 -.03 -.03 +.03 ... +.07 -.53 +.06 -.34 +.06 +.01 -.24 -2.20 +.06 -.21 -.14 -.11 +.01 +.01 +.16 +.01 ... -.01 -.16 -.34 +.09 +.06 +.17 +.06 -.04 +.13 +.31 +.01 -.10 +.03 +.07 +.04 -.22 +.24 +.30 -.09 -.23 -.10 +.12 +.18 +.55 +.19 +.15 +.14 -.03 +.48 +.29 +.02 +.04 +.14 -.16 -.07 ... +.24 +.65 +.46 +.37 +.33 -.12 ... +.01 -.18 +.04 -.19 -1.11 -.35 -.23 -1.12 ... -.66 ... +.07 +.02 ... +.03 ... +.03 ... -.06 +.01 +.23 +.04 +.15 ... +.02 +.02 +.01 -.02 +.11 ... -.03 +.04 +.25 ... ... +.01 +.08 +.01 +.10 ... +.01 +.01 +.01 +.19 -.02 +.19 +.03 +.11 ... ... ... +.01 +.01 -.04

YTD Return Last

LowDuTRA +1.2 LMGvScA -.2 MicValA p +31.1 NatResA p +4.8 ReEScA p RealRtnA t -.3 RisDvA p +25.0 SmCpGrA p +47.1 SmCpVl p +30.1 SMCpGrA +32.1 StratInc p +2.9 TtlRtnA p -.9 USGovA p -1.5 UtilsA p +10.5 Frank/Tmp Frnk Adv: FlRDAAd t +4.5 GlbBdAdv +1.6 TGlbTRAdv +3.0 TIntBdAdv -.4 Frank/Temp Mtl A&B: FinSvcA p +20.5 Frank/Temp Temp A: DvMktA p -3.7 EM SC A p +4.8 ForgnA p +21.0 GlbOpA p +20.6 GlSCoA p +26.0 GrwthA px +24.5 WorldA p +24.3 Franklin Templ: BalancedA t +9.9 FTHrdC p -3.2 TarGrA p +17.0 TgtMdA p +11.6 FundX Upgrader Fds: Upgrader NA

10.16 10.02 41.60 34.69 16.76 10.70 46.85 18.32 60.44 44.81 10.56 9.95 6.48 14.52

Fri Chg Fund ... ... +.08 -.12 +.06 ... -.04 +.11 +.12 +.19 ... +.01 ... ...

9.20 ... 13.08 +.02 13.53 +.02 11.65 +.03 16.42 -.03 22.70 11.91 8.31 22.47 8.62 23.88 19.56

-.02 ... -.02 +.01 +.02 -.32 -.02

11.30 ... 9.33 +.01 18.23 ... 15.89 ... 44.09 +.07

G-H

GE Elfun S&S: Diversfd +13.6 Income -.9 IntlEq +15.7 S&S Inc -.8 TaxEx -3.9 Trusts +29.5 US Eqty +29.7 Gabelli Funds: Asset +26.4 EqInc p +24.5 GwthAAA +28.3 SCapG +30.3 Util A p +16.0 Value t +26.8 Glenmede Funds: CrFxdIn p -2.4 MunInt p -.8 SCpEqAd +41.4 StratE p +24.3 Goldman Sachs A: CapGrA +26.4 GrIStrA +10.0 GrIncA +26.9 GrStrA +14.1 IncoBldrA +13.8 TechTollkp +23.2 USEqty A +30.7 GoodHaven +16.5 Grnspg +15.7 GuideMark Funds: CoreFxd Sv -2.9 +9.8 WldexUS Sv GuideStone Funds: AggAllGS4 NA NA BalAll GS4 NA ConsAllGS4 EqInxGS4 +26.6 -5.5 ExtDrGS4 NA GrAll GS4 GrEqGS4 +29.2 +12.1 IntEqGS4 -.1 LwDrGS4 MdDrGS4 -1.9 +31.3 SmCapGS4 +29.4 ValEqGS4 Hancock Horizon: BurkenrdA p +32.9 -1.2 StInBdTr Harbor Funds: -1.1 Bond -14.4 CmdtRRtn I ConvSec I +10.3 +5.1 HYBdInst r -8.7 RealRtn I Harding Loevner: +1.5 EmgMkt r Hartford Fds A: Balancd p +16.5 +7.1 BalAllA pe +9.7 BalIncA pe CpAppA pe +36.2 CpAppIIA pe +31.6 Chks&Bal pe +19.2 DivGthA pe +25.8 +24.0 EqInc te +6.4 FltRHiInc px GblAllAst pe +8.6 +29.3 GlbGrA p +16.0 GroAllA p GrowthA pe +28.5 +43.6 Hlthcare p +5.5 HighYldA px InflPlus px -8.7 MdValueA e +26.9 +33.1 MidCpA pe ShtDur px +1.1 +35.7 SmlCoA pe +37.3 SmCpGr te Hartford Fds I: -.4 WorldBond Hartford Fds Y: FltRateI x +5.0 GrowOppI e +29.1 Heartland Fds: SelValInv p +28.9 +26.8 ValueInv ValPlusInv p +26.5 Henderson Glbl Fds: +20.1 IntOppA p Hennessy Funds: CornrMCpO +25.3 +29.2 CorGrow O Eq&Inc Inv +12.8 Focus Inv +31.0 GasUtlInv r +20.3 SmCFn Inv +31.4 Highland Capital: NA CorVEqA p FxdIncoA NA HodgesFd x +53.4 Homestead Funds: ST Bond +1.5 SmCoStk +30.1 +30.1 Value Huntington Fds: FxInT -2.2 +14.3 IntlEqTr Hussman Funds: StrTotRet r -7.7 StrGrowth -6.3

20.79 11.28 21.19 11.38 11.38 57.04 57.58

-.01 ... -.04 ... +.01 +.03 -.04

62.36 27.54 44.65 46.37 5.55 18.84

+.11 +.01 +.03 +.21 ... +.04

11.01 ... 10.81 ... 25.04 +.06 20.91 ... 24.89 12.02 28.36 12.61 22.21 16.78 34.65 27.69 26.49

+.01 ... -.01 -.01 -.02 +.08 +.03 +.02 +.03

9.56 ... 8.64 -.01 15.19 13.74 12.61 20.20 17.01 14.96 25.76 14.65 13.39 14.20 20.93 20.73

... +.01 +.01 ... +.05 +.01 +.05 -.02 ... +.01 +.08 -.01

55.12 +.04 16.31 +.01 12.17 +.01 ... 6.09 10.94 +.02 ... 11.25 10.19 +.02 49.22 +.01 18.70 12.77 12.89 44.96 18.71 11.02 24.00 17.41 10.69 12.24 20.67 14.26 21.33 29.07 7.64 10.70 14.94 24.05 9.94 22.44 45.57

-.01 -.02 -.16 -1.74 -.44 -.84 -1.68 -.56 -.03 -.04 +.05 ... -2.50 +.01 ... -.39 -1.52 -1.97 -.04 -2.65 -3.30

10.64 +.01 9.03 ... 38.77 -1.30 37.61 -.02 51.54 +.23 37.55 +.17 25.74 -.05 16.49 16.16 15.28 63.86 25.53 24.56

+.08 +.05 +.02 +.02 -.01 +.02

... 9.86 12.60 ... 34.76 +.19 5.22 ... 35.26 +.10 43.94 +.05 21.72 +.03 12.96 -.01 11.07 +.01 10.03 ...

I-J

ICON Fds: Energy S +22.5 ING Funds Cl A: CrEqRshA t +25.8 CorpLdrA +23.6 GNMA A -1.6 IntValEqA +14.3 IntmBdA p -.6 RussiaA p +.6 Integrity Viking: WBMNoA p +25.6 Intrepid Cap: Capital t +12.6 SmallCap t +10.5 Invesco Funds: Tech e +17.5 Invesco Funds A: AmValA x +28.7 AsianPac px +2.1 Chart px +23.4 CmstkA x +29.6 CorpBdA -.2 DevMkt px -4.4 DivrsDiv px +24.6 Endeav px +23.2 Energy px +17.7 EqWtdA px +29.6 EqIncA x +21.4 EuroSmCo px +27.7 FltgRate p +5.4 GlCoreEq px +16.7 GlblGr px +19.8 GlbHltCr x +36.7 GlSmMCG px +19.8 GrowAllo p +11.9 GrIncA px +28.7 HiYld p +6.5 HYMuA -5.8 IntlGrow x +13.0 IntlSmall px +5.8 IntTMIA p -1.8 MdCpCEq pe +24.2 MidCGth pe +31.3 ModAlloc p +8.1 MuniInA -3.5 RealEst px -.2 S&P500A px +26.4 SmCpDis pe +30.8 SmCpEq pe +30.6 SmCpGr px +33.6 SmCpValA te +36.2 SmallC pe +20.8 TF IntA p -.7 USGovFd -2.6 US MortgA -1.5 Utilities px +17.4 Invesco Funds C: ShtTerm t +.7 Invesco Funds P: SummitP px +31.4 Invesco Funds Y: BalRiskY e +.8 DispEq x +25.5 Ironclad Funds: MngdRisk +8.1 Ivy Funds: AssetStrI r +20.8 BalancA p +19.4 BondA p -.8 CoreEqA t +27.2 CndGlVlA p +28.9 DivOppA p +23.7 ErOpA p +16.9 GblBdA t +1.3 GlNatRsA p +3.1 HiIncA p +9.7 IntlBalA t +7.8 IntCorEqA p +19.1 IntlGrthA +13.4 LgCpGA p +30.3 LtdTmA p -.6 ManIntOpA t +11.4 MicroCGA t +45.4 MidCapGr I +24.8

23.21 -.04 16.74 30.51 8.58 30.32 9.79 33.57

... -.01 ... -.11 +.01 +.03

6.82 +.01 12.57 +.01 16.33 +.01 35.83 -3.25 37.96 29.88 21.01 22.77 7.01 31.98 16.36 20.36 43.66 42.18 10.36 14.46 7.97 14.66 28.44 38.12 19.80 13.40 25.98 4.48 9.05 32.24 20.62 10.75 24.22 35.88 12.20 12.92 21.26 19.02 11.31 16.24 37.89 20.45 22.56 11.46 8.87 12.38 18.06

-2.71 -2.04 -1.14 -.08 ... -.31 -.23 -.84 -.66 -1.51 -.64 -.33 ... -.26 -1.20 -3.37 -2.03 +.01 -.71 ... ... -.33 -1.39 ... -2.29 -.78 +.01 +.01 -2.84 -.28 -1.83 -.99 -2.06 -1.73 -1.07 ... ... ... -.28

8.69

...

16.66 -.35 11.72 -.90 13.54 -.76 10.87

...

31.29 23.42 10.33 13.37 17.51 19.00 27.98 9.96 17.50 8.63 14.91 18.00 38.90 16.97 10.92 9.95 24.65 23.30

+.11 +.01 ... +.09 ... +.04 ... ... -.01 -.01 +.01 -.03 -.04 +.06 ... +.01 +.16 +.04

YTD Return Last

MunHiIncI r -5.9 PcOppA p +6.6 RealEstA p -1.7 SciTchA p +45.4 SCapGrA p +33.3 SCpValA p +26.6 StrNwOpA p +2.8 ValueA p +28.3 JPMorgan A Class: GroInc +28.1 Inv Bal p +12.2 InvCon p +7.3 InG&IA p +16.6 InvGrwth p +22.6 NYTFBd p -.9 SCapVlA p +30.3 JPMorgan R Cl: IntlRltyR5 -1.6 RltyIncm -1.4 James Adv Fds: BalGRbow +10.8 Janus S Shrs: Forty +25.7 Janus T Shrs: BalancdT +16.7 HiYldT r +6.5 OvrseasT r +8.2 PrkMCVal T +21.5 ShTmBdT +1.3 JapanFd +24.0 Jensen Funds: QualGrthJ +25.8 John Hancock A: BalanA p +16.4 BondA p +.6 FnIndA p +31.4 GvIncA p -1.8 HiYldA p +9.9 IncomeA p +1.6 InvGrBd -.8 LgCpEqA +26.8 RgBkA +33.8 SmCpEqA +32.9 SvInvA p +19.1 TFBd A -4.9 USGlbLdr +21.1 John Hancock Cl 1: LSAggr +21.3 LSBalanc +13.3 LSConsrv +4.3 LSGrwth +18.3 LSModer +8.8

K-L

#KalmarSC +36.7 Keeley Funds: SmCpValA p +29.8 Kinetics Funds: Internet +37.3 Pdm +40.1 SmCap +55.6 LKCM Funds: EqInst +25.7 FxdInc +.2 SCpEqIn +30.1 Laudus Funds: IntFxInInst r -7.0 USLgCpG r +31.2 Legg Mason A: Allo50pcA +12.1 +17.3 Alloc70pc +21.0 Alloc85pc BFMSP500 p +26.4 +22.5 CBATacDiv -.2 WACpBdA WAHiYldA +5.8 -3.2 WAIntTMu -4.5 WAMgMu p WAMtgBkA +2.0 -6.3 WAMuHiA +.7 WAStrInc Legg Mason C: +59.7 CMOppor t +28.1 CMSpInv p CMValTr p +31.8 Leuthold Funds: +16.8 CoreInvst LifetmAchv +17.0 Longleaf Partners: +27.7 Partners Intl +22.4 +26.4 SmCap Loomis Sayles: LtdGovA -.6 +9.3 StrIncA Lord Abbett A: DivIncStr p +9.3 +29.2 DivEqStr +5.6 FloatRt p G&IStrat p +16.9 -2.6 IntrTxFr +9.7 IntDivInc p ShDurTxFr +.1 +30.5 ValOpps p +27.2 AffilA p FundlEq +30.2 +35.5 AlphStrA +15.0 BalStratA BdDebA p +6.9 +.2 IncomeA +31.5 GrOppA p HYMnBd p -6.9 +1.5 ShDurIncA p +16.6 IntlCrEq t MidCpA p +24.6 -6.1 TaxFrA p CapStruct p +23.1 TotRet p -1.3

4.89 15.17 21.78 49.94 17.37 16.95 10.95 22.23

Fri Chg Fund ... +.09 +.09 +.31 +.09 +.05 +.03 +.03

40.11 ... 14.50 ... 12.48 ... 16.04 ... 18.05 ... 7.19 ... 25.97 +.08 9.94 +.01 10.98 +.05 23.62 +.02 47.72 +.21 30.27 9.38 36.99 25.93 3.08 12.16

+.01 ... -.03 +.03 ... -.09

37.17 -.04 18.69 15.87 15.97 9.55 3.87 6.57 10.43 35.69 18.98 33.66 18.91 9.59 42.42

... +.01 +.03 ... ... -.01 ... +.01 -.01 +.28 -.04 +.01 -.02

15.64 15.20 13.74 15.93 14.28

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

22.14 +.12 37.11 +.13 59.29 +.08 33.60 +.11 39.16 +.32 22.14 +.01 11.04 ... 29.52 +.16 10.71 +.01 17.70 +.05 14.28 16.22 17.10 17.85 18.33 11.85 7.27 6.39 15.84 10.77 13.62 6.88

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

15.90 +.04 36.85 +.18 56.24 +.02 18.13 +.01 25.51 ... 32.71 +.06 17.18 -.04 31.45 +.58 11.67 ... 16.27 +.01 15.90 22.05 9.51 18.75 10.45 8.74 15.73 19.75 15.10 14.59 32.89 12.29 8.26 2.87 25.61 10.81 4.56 13.71 22.36 10.52 15.24 10.33

+.01 +.05 ... ... ... -.01 ... +.05 ... +.03 +.06 +.01 ... +.01 +.15 -.02 ... -.02 +.01 ... -.01 +.01

M-N

MFS Funds A: +12.5 15.98 IntlDvA +25.7 26.95 MITA MIGA +23.8 22.06 +21.0 18.72 AgGrAlA p -.5 13.73 BondA ConAllA +7.1 14.38 +28.2 25.75 CoEqA +30.1 63.46 EmGA GlTotA t +13.3 16.03 +16.3 17.59 GrAllA HiOpA +5.2 6.57 IntNwDA +14.6 27.18 +.5 6.06 LtdMA ModAllA +11.8 16.10 MuHiA t -6.0 7.45 -5.0 8.27 MuInA MuLtA -.8 8.05 NewDA +32.5 25.33 +26.3 36.09 RschA StInA +1.2 6.70 TechA +28.4 21.72 +15.8 17.16 TotRA UtilA +16.6 20.32 GlGrA +15.3 32.26 MFS Funds I: ValueI +29.5 31.81 Madison Funds: Invest Y +23.2 22.76 MainStay Funds A: ConvtA +21.5 16.67 HiYldBA +5.7 6.06 IncmBldr +14.9 18.94 TxFrBdA -4.1 9.29 Mairs & Power: Balance +16.0 80.81 Growth +29.6 108.13 Managed Acct Srs: GblSmCap +30.4 15.09 MdCpValOp +30.3 14.73 Managers Funds: BlueFd +27.9 31.38 Brandywn +28.6 30.19 MicroCapSv +47.2 51.63 PimcoBond -1.5 10.57 RealEst +.1 10.05 SkylneSpEq +45.3 38.10 Yacktman p +23.7 23.65 YacktFoc +23.1 25.25 ShDurGv +.2 9.64 SpclEq +38.1 83.08 Bond +.9 27.38 Manning&Napier Fds: CoreBd -.7 11.22 CorPlusBd 10.97 DivrTxEx -1.1 11.13 Intl +14.6 9.97 LifeSci +22.7 15.63 PrBConS +6.1 14.11 ProBExtS +13.2 17.95 ProBMax +20.7 20.91 ProBMdS +9.8 14.42 SmCapA +25.3 12.42 WldOppA +13.8 8.82 Marsico Funds: FlexCap t +29.5 19.26 Focus p +32.0 22.87 Grow p +29.7 26.39 21stCnt p +36.7 19.13 MassMutual Prem: CapApprS +24.5 14.65 CoreBdZ -1.1 11.29 DiscGrS +30.1 14.13 DiscValS +28.3 14.39 GlobS +21.0 14.34 IntlEqS +18.9 15.97 ShtDurBdZ +1.2 10.60 MassMutual Select: BRGlbAllS +11.6 11.97 BlChpGrS +35.8 17.33 DsRt2020S NA 11.82 DsRet2030 NA 12.29 DivrsIntlS +15.6 7.49 DivValS +28.8 13.15 EAFE IntlZ +15.8 13.64 FocValS +33.1 24.75 FundValS +25.7 14.32 GroOppS +33.1 11.72 IndxEqZ +26.8 16.78 LgCpVlS +26.4 9.87 MCGEIIS +30.8 19.50 OverseasZ +16.6 8.60 RetModA NA 11.23 RetModGrA NA 11.87 SmCGES +39.9 21.02 SmCoVlS +26.5 17.53 Matthews Asian: AsiaDvInv r +9.3 15.33 AsiaGrInv +17.0 20.75 AsianGIInv +3.1 18.59 China Inv +5.9 22.65 IndiaInv r -8.2 15.88 Japan Inv +31.4 15.88 McKeeInt +11.9 13.05 Meeder Funds: Muirfld fp +25.3 7.28 Mellon Funds: NYTEBdM -2.1 11.23 MergerFd +2.8 16.28 Meridian Funds: Growth +22.9 35.62 Value +29.2 42.30 Metro West Fds: HYdBdM pe +6.6 10.27 LowDurBd +2.0 8.80

-.05 +.01 -.01 ... ... +.01 +.02 +.17 -.03 ... +.01 -.06 ... +.01 ... +.01 ... +.23 +.03 ... +.03 ... ... -.07 -.02 -.01 +.04 ... ... +.01 -.02 -.08 +.02 +.04 +.05 +.08 +.15 +.01 +.02 +.10 -.03 -.04 ... +.26 +.03 ... ... +.01 -.02 +.06 +.01 +.03 +.03 +.02 +.04 +.01 +.02 +.05 +.05 +.06 +.02 +.01 +.01 +.01 +.02 ... +.01 ... +.05 +.01 +.01 -.02 ... -.02 +.05 ... +.06 ... -.01 +.05 -.01 +.01 +.01 +.08 +.07 -.06 -.14 -.02 +.03 -.27 -.15 -.01 +.01 +.01 +.02 +.13 +.08 -.29 ...

YTD Return Last

Morgan Stanley A: CapOpp pe +43.3 FocGroA e +43.2 Morgan Stanley B: EuroB +19.4 USGvtB -2.0 MorganStanley Inst: BalP +12.3 Motley Fool Fds: GreatAmer +32.3 Independ r +20.4 Muhlenk +29.2 Munder Funds: Idx500A p +26.2 Munder Funds A: GwthOppA +26.2 Mutual Series: BeacnZ +24.6 EuropZ +20.7 GblDiscA +20.8 QuestZ +22.1 SharesZ +23.7 Natixis Funds: TargetEqA +24.7 US MCEq p +29.7 Neuberger&Berm Fds: Focus +29.9 Guard +32.4 LgCapV Inv +25.8 MdCpGrIn +26.4 SocResp +32.3 NewAlt +24.8 New Covenant Fds: BalGro +12.2 Growth +22.3 Income -2.8 Nicholas Group: EqInc I +28.0 Nicholas +34.1 Northeast Investors: Trust +12.1 Northern Funds: BondIdx -2.0 CAIntTE -2.2 EmMEqIdx -4.8 FixIn -1.4 GlREIdx r -.9 HiYFxInc +7.2 HiYMuni -4.5 IncEq +20.3 IntTxEx -2.1 IntlEq +17.9 IntlEqIdx r NA LCGr +26.5 MdCpIdx NA MMEmMkt r -1.8 MMGlbRE r -.8 MMIntEq r +10.6 MMMidCap +29.9 MMSmCap NA ShortBd +.5 ShIntTaxFr +.2 SIntUSG -1.8 SmCpCore +32.4 SmCpIdx +31.7 SmCapVl +30.6 StkIdx NA TxExpt -3.6 Nuveen Cl A: StrBalAllA NA +30.4 LrgCpV pe +21.6 TWVlOpp e AAMuB p -4.7

Fri Chg Fund

31.52 -2.74 49.47 -4.74 18.44 -.06 8.65 +.01 17.23 -.02 17.23 +.04 18.91 -.05 67.45 +.20 21.88 -.01 35.65 +.15 16.50 25.49 33.97 19.74 27.68

-.01 -.07 -.05 -.03 -.02

12.76 +.07 33.79 +.12 29.30 20.48 35.36 14.51 35.87 45.42

-.02 -.03 +.10 +.07 -.04 +.15

96.46 +.10 39.87 +.07 22.76 ... 19.73 +.05 63.83 +.19 6.47 +.01 10.47 10.38 11.30 10.17 9.00 7.63 8.28 15.62 10.31 9.69 11.95 30.95 16.88 18.84 18.00 10.57 15.45 12.93 19.10 10.47 9.80 21.68 12.21 21.43 22.13 10.30

+.01 ... ... ... +.01 ... ... +.02 +.01 -.02 -.02 +.04 +.05 +.01 +.01 ... +.04 +.04 ... ... ... +.08 +.04 +.06 ... +.01

11.73 ... 24.80 -2.78 35.22 -1.09 10.73 +.01

O-P

Oak Assoc Fds: +25.0 WhitOkSG Oakmark Funds I: EqtyInc r +20.3 +27.8 GlobalI +27.1 GlbSel r Intl I r +23.5 +22.4 IntSmCp r +31.3 Oakmark Select +30.7 Oberweis Funds: +53.3 ChinaOpp Old Westbury Fds: -.7 FixedInc p +8.6 GlobOpp GlbSMdCap +19.7 +19.1 LgCapCore +20.3 LgCapStrat MuniBd p -1.1 -12.0 RealRet Olstein Funds: AllCpValC +30.9 Oppenheimer A: +17.5 ActiveAllA CapApA p +23.9 +6.9 CapIncA p -9.1 ComStrt p ConInvA +4.3 +29.1 DscMdGrA +38.3 Disc p EquityA +24.4 +27.3 EqIncA p +22.6 EqInvA GlobA p +20.9 +14.3 GblAllocA +33.0 GlbOppA GblStrIncA -.6 -48.6 Gold p +18.8 Income A IntBdA p -4.0 NA IntlDivA +38.9 IntlSmCA LtdTrmBd +.2 -.3 LTGvA p -4.1 LtdTmMu MnStFdA +26.0 +23.3 MnStOA p +28.0 MSSCA p ModInvA +12.3 +.3 RealEstA +21.9 RisingDivA RocAMTF -6.8 -6.1 RochNYMu -2.5 RoLtCaMu S&MdCpVl +31.9 Oppenheim Quest : QOpptyA +6.0 Oppenheimer Roch: -7.3 RcNtMuA Oppenheimer Y: Alpha Y +19.1 +5.9 DevMktY IntGrowY +18.7 Sel40 Y +18.2 Optimum Fds Instl: Fixed Inc -2.6 IntlEqty +15.3 +31.6 LgCapGrth LgCapVal +26.4 SmCpGrth +31.1 +27.3 SmCapVal Osterweis Funds: Osterweis +28.4 StrInco +6.1 PACE Funds P: GovtFxdP -1.4 IntmFxd P -.7 IntlEM P -6.3 IntlEqtyP +14.8 IntlFxdIP -5.9 LgGrEq P +29.6 LgVEqtyP +29.5 MuniFxdP -1.5 SmGEqtyP +32.5 SmVEqtyP +29.7 StraFxdP -3.7 StratInvP +8.0 PIMCO Funds A: GNMA t -2.7 MunBdA p -3.8 SDrMuIn p +.2 SmCStkPls +30.2 SkPLSTR t +25.1 PIMCO Funds C: DivIncBldr +11.3 PNC Funds: BondI p -1.7 IntmBdI -.8 IntlEqI p +22.8 LtdMatI +.4 SmCapI p +38.2 TotRAdvI -1.0 UltraShBd I +.3 Pacific Advisors: SCapValA t +50.7 Pacific Cap Inst: TxFSec -2.6 Pacific Life Fds: PtOpMdCA +9.8 PtOpMdDA +13.5 PortConsC +1.3 PtOpBA t +5.9 PtOpEA t +15.4 Parnassus Funds: EqtyInco +29.1 FxdInc -2.4 Fund +26.1 Pax World: Balanced +13.4 HiYld p +6.5 Paydenfunds: LtdMat +.4 ShrtBd +.5 Pear Tree Fds: PolFgnVal t +20.8 Perm Port Funds: Permannt -3.0 PerritMicr +38.7 Pioneer Funds A: AMTFrMu p -5.3 DiscGr A +27.8 DiscVal +24.6 HiIncMuA p -8.2 EqIncA p +24.1 SelMCGr A +34.7 HiYldA p +11.0 IbbGrAllo +15.3 MdCVA p +27.3 PionFdA p +28.0 CoreEq A +25.9 Portfolio21 +16.8 Price Funds: AME Fd +19.2 Balance +16.0 BlChip +35.9 BdEnhIndx -1.9 CapApp x +19.3 CapOpp +27.5 CorpInc -1.4 DvSmGr e +37.9 DvsfMCG x +28.9 DivGro +25.0 EmMktB -7.2 EmEurop +3.0 EmMktS -5.7 EqInc +25.0 EqIndex +26.7 Europe +27.5 ExtIndx +32.3 FinSvcs +33.1

54.54 -.14 34.29 30.01 16.08 25.84 17.11 63.72 40.49

+.01 +.03 ... -.01 +.03 -.01 +.07

17.05 +.29 11.31 8.21 17.32 13.82 12.05 11.92 8.16

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

18.16 +.02 11.64 57.38 9.55 2.98 8.81 16.71 75.52 11.81 30.45 14.41 75.15 17.14 38.89 4.13 16.19 10.65 6.10 14.37 31.23 9.38 9.16 13.98 46.41 17.51 29.41 10.30 22.56 18.87 6.44 3.08 3.24 42.48

... +.09 ... ... +.01 +.07 +.38 +.01 +.03 ... +.12 +.02 -.13 ... +.14 +.06 +.01 -.01 -.24 ... ... -.02 +.02 -.02 +.09 +.01 +.08 -.01 -.01 -.01 ... -.21

24.87

...

6.62 -.01 11.88 36.60 36.44 11.81

+.04 -.03 +.01 +.04

9.37 12.12 16.36 14.52 15.54 14.66

+.01 +.01 +.03 -.02 +.07 +.05

36.01 11.96

... ...

12.63 12.25 12.72 14.64 10.56 26.37 23.75 12.95 23.82 24.18 14.09 10.52

... ... +.01 -.03 ... +.08 -.02 +.01 +.10 +.13 +.01 -.01

11.00 9.12 8.47 9.59 9.92

+.01 +.01 ... +.04 +.01

12.15 -.01 10.31 +.01 11.12 ... 19.25 -.01 10.18 ... 20.47 +.06 10.66 ... 9.97 ... 58.01 +.07 9.94 +.01 13.75 14.36 11.08 12.38 14.69

... ... ... ... ...

35.48 +.01 16.51 +.01 44.92 +.08 26.71 +.02 7.56 ... 9.47 ... 10.16 +.01 17.80 -.04 47.19 +.14 34.77 +.13 13.28 15.68 18.95 7.07 33.06 37.31 10.61 12.88 24.75 37.79 15.14 39.21

+.01 -.01 +.02 ... +.03 +.14 +.01 +.01 +.01 +.02 +.01 +.05

8.81 22.59 62.02 10.92 25.01 21.07 9.47 23.90 21.49 32.27 12.54 20.05 32.13 31.64 47.79 20.45 23.34 19.89

+.02 +.01 +.15 ... -1.55 +.01 +.01 -.07 +.05 -.02 +.04 +.08 -.08 +.01 -.01 -.04 +.09 +.04

YTD Return Last

GNMA -2.2 9.47 GRE-Fd -1.0 17.56 GlbStk +27.2 23.26 GlbTech +32.4 13.40 Growth x +33.6 50.46 Gr&In +27.3 28.41 HlthSci +45.0 59.77 HiYield +8.6 7.14 IP Bond -8.2 12.09 IntEqIdx +14.3 13.18 IntlBond -3.3 9.56 IntDis +19.6 55.12 Intl G&I +16.7 15.12 IntlStk +9.9 15.83 Japan +26.8 10.13 LatAm -17.6 31.34 MDShrt +.7 5.22 MediaTl +34.9 71.92 MidCap e +31.4 69.87 MCapVal x +26.4 28.88 N Amer e +32.2 42.40 N Asia -2.1 16.45 New Era +10.1 46.16 N Horiz +42.0 47.09 N Inc -2.1 9.33 OverS SF +15.9 9.85 PSBal +15.2 22.42 PSGrow +20.8 29.47 PSInc +10.0 18.03 RealAsset -4.9 10.57 RealEst +1.7 20.88 R2005 NA 13.10 R2010 NA 18.07 R2015 +12.4 14.48 R2020 +14.9 20.54 R2025 +17.1 15.37 R2030 +19.1 22.53 R2035 NA 16.13 R2040 +21.4 23.18 R2045 NA 15.43 R2055 NA 12.79 Ret Inco NA 14.79 SciTec +35.7 36.93 ShtBd +.2 4.79 SmCpStk e +30.9 42.37 SmCapVal x +27.5 48.38 SpecGr NA 23.96 SpecIn +2.5 12.91 SpecIntl NA 12.40 Strat Inco +.4 11.39 SuMuInc -3.8 11.16 SuMuInt -1.1 11.51 TFInc -3.4 9.84 TxFrH -4.6 10.91 TxFrSI +.6 5.64 TotIndex +28.2 20.32 R2050 NA 12.94 USTInt -3.2 5.83 USTLg -12.0 11.42 Value x +32.2 32.51 Primecap Odyssey : AggGr r +49.5 28.63 Growth r +34.8 22.85 Stock r +29.8 20.43 Principal Inv: BdMtgIn NA 10.71 DivIntlInst NA 11.57 FlxIncA p NA 12.32 HighYldA p NA 7.92 HiYld In NA 10.73 NA 8.52 InfPro In NA 12.79 Intl I Inst LgCBl In NA 13.41 NA 10.57 LgCG2In NA 12.94 LgCGI In LgCV3 In NA 13.89 NA 14.51 LgCV1 In NA 11.75 LgGrIn LgIndxI NA 12.64 NA 13.69 LgCValIn NA 13.10 LT2010I LT2020In NA 14.23 NA 14.44 LT2030In NA 15.00 LT2040I LT2050I NA 14.55 NA 11.84 LTStratI NA 14.02 MidCGIII In MidCV1 In NA 18.59 NA 10.13 PreSec In NA 20.36 RealEstScI SGI In NA 14.95 NA 21.40 SmCBldJ t NA 13.46 SmCG2 In SmIdxI NA 24.34 NA 14.01 SmCV2 In NA 15.61 SAMBalA SAMGrA p NA 17.56 NA 19.98 StrGrwA p NA 6.93 TxExBdIA p ProFunds Inv Cl: BiotechUlt +106.2 183.19 UltNasd100 +66.8 59.43 Prudential Fds A: AsstAlloA p +15.1 15.02 +28.1 23.62 BlendA ConsvGrA p +29.3 10.86 +15.4 13.34 DefensEq +27.8 19.52 EqOppA FinServA +22.6 16.67 -2.0 6.80 GlbTotRtA +47.1 41.36 HlthSciA HiYldA p +6.4 5.72 +14.6 7.06 IntlEqA x -2.2 9.39 InvP14GovA MuHiIncA -5.4 9.39 -4.4 14.46 NatlMuA +32.6 12.89 SelGwthA TotRetBdA -1.1 14.06 +24.6 16.59 2020FocA +21.2 14.09 UtilityA ValueA p +27.1 19.75 Prudential Fds Z&I: +.5 21.47 GlRealEst Z GrowthZ +31.6 28.69 MadCapGrZ +22.9 39.85 +28.5 30.11 SmallCoZ StkIdxZ +26.8 39.16 Purisima Funds: +17.5 22.60 TotRet p Putnam Funds A: +1.7 10.30 AR100 AR300 +3.9 10.94 AR500 +3.3 11.59 +39.8 40.32 EqSpec AmGvA p -.4 8.97 AABalA p +15.6 13.70 +7.8 10.57 AACnA p AAGrA p +20.4 16.32 CapOpp p +27.8 16.02 +18.7 23.84 ConvSec DvrInA p +6.8 7.88 EqInA p +26.5 21.23 +23.9 25.36 EuEq FloatRt t +5.1 8.99 GeoBalA +14.9 15.10 +.5 12.57 GlGvA p GlNtRs p +5.6 20.95 GlbEqty p +25.9 12.11 GrInA p +30.1 19.08 GrOppA p +30.3 23.18 GlblHlthA +35.8 60.47 HiYdA p +7.2 8.07 HiYld In +6.3 6.20 IncmA p +2.0 7.19 IntlEq p +22.1 23.50 IntGrIn p +15.6 11.27 IntlGrth p +16.9 18.63 IntCapO p +17.9 38.73 InvA p +29.5 18.64 MultiCpV p +36.5 18.26 MultiCpGr +30.0 72.47 RsrchA p +27.5 21.76 SmCVA p +31.7 14.60 TxExA p -4.1 8.39 TFInA p -3.6 14.66 TFHYA -5.4 11.56 USGvA p -.2 13.31 GlblUtilA +9.8 11.13 VoyA p +37.3 30.00 Putnam Funds Y: AR700 +4.9 12.27 CapSpec +30.6 34.52

Fri Chg Fund +.01 -.02 +.01 ... +.07 +.01 +.09 ... +.03 -.05 ... -.15 -.06 -.02 -.10 +.06 ... +.08 -4.17 -1.43 -4.96 -.06 -.04 +.23 +.01 -.03 +.02 +.03 +.01 ... +.02 +.01 +.01 ... +.01 +.01 +.01 +.01 +.01 +.01 +.01 +.01 +.15 ... -2.01 -1.36 +.01 +.01 -.03 +.01 +.01 ... +.01 ... ... +.02 +.01 ... +.05 -2.28 +.12 +.10 +.03 ... -.01 +.01 -.01 -.01 +.02 -.02 ... +.01 +.02 ... -.01 +.02 ... +.01 ... ... +.01 +.01 ... ... +.04 +.03 +.03 +.08 +.07 +.05 +.04 +.08 +.03 +.01 +.01 +.02 ... +.24 -.15 -.01 +.04 +.01 ... +.04 +.03 ... +.23 -.01 -.15 ... ... ... +.02 +.01 -.02 ... -.02 +.02 +.08 +.29 +.15 -.01 -.03 ... +.01 ... ... ... ... ... ... +.02 +.07 ... -.02 -.06 +.01 +.01 ... -.01 +.01 +.01 +.05 +.08 ... -.01 ... +.01 -.03 ... -.04 +.01 +.04 +.20 +.01 +.02 ... +.01 ... +.02 -.01 +.07 ... -.06

Q-R

RS Funds: EmMkA -6.7 LgCAlphaA +32.3 RSEmG p +40.7 RSPart +37.6 Growth +38.4 Value +32.0 TaxExA -4.6 Reynolds Funds: BlChGr p +29.0 RidgeWorth Funds: GScUShBdI HighIncI +6.7 HiYldI +5.3 IntmBdI -1.0 InvCrBdI p -2.5 InvGrTEBI -1.4 LgCGrStkI +28.7 LgCValEqI +28.5 MdCValEqI +26.0 SmCpGrI +36.4 SmCpValI +30.0 TotRetBd I -2.7 RivNthCor +11.5 Royce Funds: HeritgSv p +20.8 LwPrSkSv r +8.7 MicroCapI +16.1 100FdS t +24.9 OpptyI r +35.5 PennMuI r +28.7 PremierI r +21.8 SpecEqI r +23.6 TotRetI r +27.5 ValSvc t +20.9 VlPlSvc +25.4 Russell Funds C: USSmCpE +36.6 Russell Funds S: EmerMkts -3.3 GlobEq +21.7 IntlDvMkt +15.6 InvGrdBd -2.2 RESec +.4 ShtDurBd +.7 StratBd -1.4 TaxExBd -.8 TxMgUSLC +25.9 TMUSMdSm +33.5 Russell LfePts A: GwthStrat p +12.5

18.96 58.16 65.71 43.93 18.63 34.23 10.32

+.03 -.04 +.23 +.09 +.08 +.03 ...

74.51 +.18 10.11 7.26 10.12 10.09 10.75 12.03 10.07 18.26 14.81 19.21 17.97 10.40 12.92

... ... -.01 ... +.01 +.02 +.01 +.01 +.03 +.07 +.04 +.01 ...

15.53 13.11 15.96 9.59 14.67 14.02 21.09 23.91 15.82 12.76 16.02

+.03 +.07 +.07 +.02 +.11 +.05 +.05 +.06 +.06 ... +.04

33.71 +.10 18.32 11.14 35.76 21.68 38.79 19.38 10.96 22.40 28.37 22.50

-.02 ... -.05 +.01 +.09 ... ... +.02 ... +.03

11.53

...

YTD Return Last

Russell LfePts C: BalStrat +8.5 11.68 ConsStrat +1.2 10.93 EqGthStrat +14.1 10.14 ModStrat p +3.9 11.39 Rydex Dynamic: NasdStrH +67.0 249.85 Rydex Investor: Biotech +48.0 61.26 InvGvLBdSt +16.5 9.91 InvS&P5St -23.2 17.96 MgdFutStr -.8 21.07 NasdaqInv +30.0 20.55

Fri Chg Fund ... ... -.01 ... -.61 -.06 -.04 ... -.06 -.02

S-T

SEI Portfolios: GNMA A -2.3 10.34 ShtGovA -.3 10.53 UltraShtA +.7 9.35 SSgA Funds: EmgMkt -6.1 17.78 IAM Shs +27.1 13.77 IntlStock +17.1 10.60 SP500 +26.8 28.58 SatuitUSEmg +30.3 40.58 Schwab Funds: Balanced +15.3 14.39 CA TxFrBd -1.2 11.69 CoreEq +26.0 21.96 DivEqSel +26.5 17.09 FunIntLInst r +18.4 8.81 FunUSLInst r +28.8 13.83 FunUSSm r +32.8 12.97 GNMA Sel -2.6 9.93 GlbRESel r -1.6 6.40 HlthCare +35.0 22.47 HdgEqSl r +11.8 17.21 IntBdInst -.9 10.11 IntSS r +15.5 18.88 LCpGrSl r +26.4 15.79 MT AllEq +24.0 15.99 MT Bal +13.3 18.51 MT Cons +7.9 15.28 MT Gro +19.1 21.68 1000Inv r +27.3 46.71 S&P Sel +27.0 27.69 ST Bond +.2 9.27 SmCpSl +31.8 26.22 SCpEqSel r +36.3 22.90 Trgt2020 r +13.2 13.53 Trgt2030 r +17.7 14.73 Trgt2040 r +21.0 15.54 TaxFrBd -1.5 11.52 TotBond -2.2 9.28 TSM Sel r +27.9 32.29 TrsInflProt -8.3 10.93 Schwartz Funds: CathVal p +20.1 21.35 Scout Funds: Intl +8.0 35.67 MidCap r +30.9 17.85 SmCap +30.8 22.83 Security Funds: LgCpCorA +23.2 21.48 MCpVlA +27.8 36.88 Selected Funds: AmShD +27.4 49.95 Sentinel Group: BalanA p +15.7 19.93 ComS A p +25.2 42.42 +9.2 13.55 ConsStrA p CoreOppA p +25.9 18.09 GvSecA p -5.4 10.01 +29.6 8.32 SmCoA p +28.3 212.57 Sequoia Shelton Funds: +27.1 23.23 EquityInc Sit Funds: LrgCpGr +23.4 53.61 +26.8 20.60 MdCpGr -2.0 11.05 US Gov Sound Shore: SoundShore +34.9 46.91 NA 30.70 SoSunSCInv t Spirit of Amer: -4.3 11.20 Income A Stadion Funds: ManagedA p +2.7 10.02 St FarmAssoc: +11.0 61.52 Balan Gwth +21.5 66.62 -.7 10.01 Interm -1.5 8.60 Muni State Farm Retail: +27.6 8.37 EquityI +26.2 13.58 500IdxLgA SCIdxLgA +30.9 16.40 Stratton Funds: +33.8 72.77 SmCap SunAmerica Funds: +4.5 8.32 FloatC 3.48 StrBdA SunAmerica Focus: +27.6 22.96 FMltCpVA +17.0 15.32 FMltASA TARGET: +30.2 27.88 SmCapV -.1 9.74 TCU ShDur TCW Funds: +28.3 15.38 DivFocus -5.0 8.41 EmMktIn RelValLCI +29.4 19.73 +24.3 25.14 SelEqtyI +35.9 36.41 SmCpGr TotRetBdI +1.9 10.07 TCW Funds N: -1.6 10.89 CoreFxdN p TFS Funds: +2.0 15.93 MktNeut r TIAA-CREF Funds: LC2010Ret +9.6 13.09 +11.1 12.76 LC2015Ret TIAA-CREF Retail: MgdAlloc +13.7 12.09 -3.7 10.42 TxExBond e Thompson IM Fds: Bond +2.8 11.91 Thornburg Fds: +35.6 25.98 CoreGrA t LtdGvA p -1.4 13.32 -1.5 13.32 NM IntA ValueA t +33.5 43.29 Thrivent Fds A: +17.4 12.72 BalIncPls DivrIncPls +8.7 7.18 HiYld +6.0 5.08 -.4 9.02 Incom LgCpStk +23.9 25.31 MidCpGr +23.6 18.88 +29.4 20.68 MidCpSk MuniBd -3.5 11.10 OppIncPlus NS 10.29 +28.9 18.70 SmCpStk Tocqueville Fds: Delafield +22.5 37.42 +28.3 30.82 Fund Gold t -48.4 32.84 IntlVal p +16.3 14.52 Torray Funds: Fund +27.6 41.76 Touchstone Family: CapGrth Y +25.3 25.94 FlexIncY +.4 10.37 FocEq Y +33.0 33.08 HiYld Y +5.5 9.21 LgCGr Y +26.8 31.05 MergArb A +4.2 10.75 MCpGrA +29.4 24.72 MidCap Y +31.4 22.41 SandsCpG Y +35.7 17.21 UlShDrFxI r +.6 9.45 Transamerica A: SmMidCV t +30.7 29.32 Transamerica C: AsAlCnsv t +6.0 12.25 AAlModGr t +16.2 14.38 TA IDEX C: AsAlMod t +11.0 13.53 AsAlGrw t +21.9 15.02 Transamerica Ptrs: AstAll IH +11.3 12.63 CoreBond x -1.5 12.86 IAstAllILH +16.2 13.08 InstCoreBd px -1.2 10.66 InstHiYBd px +6.7 9.05 InstMdVal px +26.5 19.94 InstStkIdx px +26.7 11.86 IntlEq p +9.3 11.41 LgGwth +28.6 27.45 LgValue x +32.2 24.24 MidValue px +26.2 18.16 StkIdx px +26.3 13.79 Trust Prof Mgrs: GerstGrEq +31.6 16.89 GlEqCvCall +11.8 11.66 PMC DivrEq +22.2 23.64 Schooner A +14.3 24.97 Trust for C.U.: UltraShtGv -.1 9.57 Turner Funds: EmgGrwth e +39.7 55.79 MidcpGth e +31.3 34.84 SmlCpGr e +34.2 37.18 Tweedy Browne: GblValue +14.9 26.70 GlVCurUnh r +14.9 14.33 Value +17.4 23.20 WWHiDiv +13.5 11.40

+.01 ... ... -.01 ... -.02 ... +.22 +.01 +.01 -.01 ... -.03 ... +.05 ... +.01 +.03 -.03 ... -.04 -.01 +.01 +.01 +.01 +.01 +.02 ... ... +.09 +.07 +.01 +.01 +.01 +.01 +.01 +.02 +.02 +.02 +.07 -.01 +.09 -.01 +.06 -.02 -.01 -.02 ... -.01 ... +.02 +.16 -.04 +.02 +.05 ... -.10 +.24 +.02 ... +.02 +.02 ... ... +.01 ... +.06 +.19 ... ... +.02 +.01 +.05 ... ... +.01 ... +.05 +.24 +.01 +.01 ... +.01 +.01 +.01 -.06 ... +.09 ... +.01 +.18 +.01 ... -.01 +.01 ... +.07 +.06 +.01 ... +.07 +.05 -.01 +.29 -.03 +.04 ... +.02 -.05 ... +.08 +.01 +.07 +.05 +.04 ... +.11 ... ... +.01 ... +.01 -.12 +.01 -.13 -.15 -.73 -.07 -.01 +.05 -.08 +.01 -.07 +.01 ... +.02 -.04 ... -9.93 -9.24 -7.84 -.07 -.04 -.05 -.05

YTD Return Last

Fri Chg

PrecMM -52.1 12.85 S&P Idx +26.7 25.43 SciTech +35.0 18.72 SmCpStk +30.8 17.99 TgtRet2020 +7.1 12.72 TarRet2030 +10.6 13.06 TarRet2040 +13.6 12.81 TarRet2050 +14.5 12.60 TarRetInco +4.2 11.75 TxEIt -1.1 13.14 TxELT -2.8 13.04 TxESh +.7 10.71 UltrShBd +1.3 10.11 Value +30.5 18.91 WldGr +21.0 25.78 Value Line Fd: AstAlc +17.3 27.00 Inc&Gro +16.1 9.97 LrgCo +24.1 24.55 PremGro +21.8 35.12 SmCOpp +31.1 49.58 Van Eck Funds: IInvGldA NA 8.48 Vanguard Admiral: BalAdml +15.3 27.01 500Adml +27.0 164.40 InfProAd -8.2 25.87 ITBdAdml -2.8 11.26 ITGovBd -2.0 21.43 MCpAdml +29.7 132.22 SmCAdm +31.4 50.94 SmCapGrth +31.5 41.14 SmCapVal +30.6 40.74 TxMCap r +28.2 91.20 TxMGrIn r +26.9 79.93 TtlBAdml -1.9 10.61 TxMSC r +34.8 42.00 Vanguard Fds: DivrEq +29.4 29.84 EmgMktSel -1.5 19.64 ExpValFd r +32.1 32.30 MgdPayDF +11.2 15.49 STTIPS Inv -1.5 24.71 StrSCEqInv +35.6 29.43 TgtRet2055 +19.8 29.70 TgtRet2060 +19.7 26.11 TotIntBInv NS 9.94 CapValue +36.4 15.13 Convrt +16.4 14.51 DivdGro +26.0 20.76 GlobEq +22.0 22.77 GroInc +27.2 38.26 GrthEq +27.6 15.67 IntlExplr +24.4 18.30 IntlVal +16.5 36.31 LifeCon +7.4 17.97 LifeGro +17.2 27.03 LifeInc +2.8 14.40 LifeMod +12.2 22.84 MdCpGro +28.3 26.14 PrecMtls r -38.7 9.77 PrmcpCor +31.2 19.59 SelValu r +36.6 28.66 STAR +14.5 23.66 StratEq +35.4 29.04 TgtRetInc +4.6 12.61 TgRe2010 +7.4 25.92 TgtRe2015 +10.7 14.81 TgRe2020 +12.9 26.91 TgtRe2025 +14.8 15.60 +16.7 27.28 TgRe2030 +18.6 16.71 TgtRe2035 TgtRe2040 +19.8 27.76 +19.7 27.64 TgtRe2050 +19.8 17.43 TgtRe2045 TxMBal +12.1 24.55 +29.6 27.56 USGro +28.8 15.28 USValue Vanguard Group: +13.1 19.12 MgPayG&D Vanguard Idx Fds: FTSESoc +31.4 11.29 -8.6 12.51 LTBnd +10.2 16.18 TotlIntl TotStk +27.9 44.98 Vantagepoint T: +4.6 10.63 DivrStrat ViceFd t +27.7 28.09 Victory Funds: +29.0 21.34 DvsStA EstValA +29.1 35.37 -1.1 10.56 FundIncA +19.1 25.26 VillereBal Virtus Funds A: AlpSecRota +26.1 14.64 +12.3 15.54 BalanA MidCpVA p +25.9 33.46 +2.1 10.87 MulIntmBd +1.3 4.86 MulSStA p ReE A p -1.5 34.12 +24.1 12.11 StratGrA +14.1 10.06 TactAllA

+.13 ... +.06 +.02 +.01 ... +.01 +.01 +.01 ... +.01 ... ... ... -.03

+.04 -.01 +.08 +.01 +.01 +.07 +.01 ... ... +.06 +.02 -.02 ... ... +.01 -.04 -.06 ... ... ... ... +.10 +.08 +.02 +.04 +.03 +.09 ... +.01 +.01 ... ... +.01 +.01 +.01 ... +.01 +.01 +.12 +.01 ... +.01 +.05 -.02 +.04 +.01 +.02 -.03 +.04 ... +.04 +.01 +.01 +.22 +.01 ... +.06 +.02 ...

10.49 11.39 6.31 9.72 6.96 17.87 15.03 3.86 5.48 7.59 11.60 7.24 4.63 11.16 15.31 15.69 16.70 16.05 9.57

... +.04 ... ... +.04 +.03 -.01 ... ... -.01 -.01 ... ... +.02 +.11 +.02 +.08 +.04 +.04

53.75 17.25 28.59 3.02 16.20 3.62 7.66 51.78 5.36 14.89 25.32 23.88

+.03 -.05 -.09 -.01 ... +.01 +.02 +.11 ... +.08 +.04 -.01

57.04 16.21 31.44 12.55 43.23

+.12 +.01 -.02 ... -.03

14.91 8.34 6.15 42.29 3.23 25.30 21.72 48.18 32.57 13.73 30.14 8.82 16.11

-.01 +.01 ... +.07 ... +.04 -.04 +.15 +.25 +.02 +.09 +.01 +.04

13.38

...

11.49 ... 23.86 +.06 7.40 ... 30.36 +.09 46.22 +.13 9.96 ... 10.63 ... 14.02 ... 11.78 ... 17.12 ... 13.77 ... 13.16 15.13 16.20 18.45

+.01 +.01 +.01 +.01

9.84 ... 17.46 +.03 20.80 +.13 16.48 -.01 10.77 ... 11.86 +.01 10.95 ... 6.40 ... 5.15 +.01 3.91 ... 10.56 +.01 32.21 +.05 23.50 +.10 16.61 +.06 17.12 +.02

7.07 ... 10.35 -.02 36.10 +.06 51.13 +.13 9.38 +.04 39.24 14.75 8.54 24.98 16.97 12.92 9.90 15.91 21.80 20.92 8.70 16.56 13.06 10.70 29.21 9.96

+.07 +.02 -.02 +.07 +.01 +.01 +.28 +.15 +.11 +.14 +.05 ... +.01 +.13

W-X

Waddell & Reed Adv: Accm +28.5 +21.3 AssetS p -2.2 Bond Con Inc +19.5 +27.8 CoreInvA +24.1 DivOppA p EnergyA t +22.4 +1.1 GloBdA -3.9 GovtScA Hi Inc +10.2 +14.0 IntGth -3.2 MuniBdA MunHi -4.1 +25.1 NCcptA p +49.8 ScTechA ValueA p +28.7 +34.4 SmCpA p +30.3 TxMgEA VangA +29.8 Wasatch: +24.7 CoreGr IncEqty +22.4 +21.4 IntlGr +17.5 IntlOppt r Long/Short +16.3 +36.1 MicCapV t Mic-Cap +37.5 SmCpGr +25.4 +33.3 SmCapV USTryFd -15.8 UltraGr +28.3 WorldInnov +28.9 Weitz Funds: Hickory +24.3 +29.3 PIIIOpp I PartVal +26.7 ShtItmInc I +1.0 +27.0 Value Wells Fargo Adv A: DispUSCorA +28.1 +20.2 DivCapBldr DivrIncA +7.1 GlbOpptyA +21.9 HiYldBdA +3.1 IdxAstAll A +17.0 IntrinWEA t +17.5 OmegaGrth +33.1 PrecMtlA -49.1 PremLCGA +27.5 SpSCValA p +32.5 StrMunA +.7 Util&TelA +14.3 Wells Fargo Adv C: AstAllC t NA Wells Fargo Adv : AsiaPc +10.5 CmStkInv +24.0 HYIncInv +4.6 MCpValInv +33.2 OpptyInv +24.1 STMuInv +.7 WlthBCon p NA WlthBGro p NA WlthBMod p NA WBTcEq p NA WlthbGrB NA Wells Fargo Ad Ins: DJTar2010I +2.0 DJTar2020I +7.0 DJTar2030I +13.2 DJTar2040I +17.8 WesMark Funds: GovBd -3.0 Growth +28.9 Westcore: IntlFrntr r +15.9 SmCapVal r +30.3 PlusBd -1.1 Western Asset: CoreBd IS -1.6 IntmBd IS -.5 ShDHiIncA +8.2 ShtMuni C +.3 ShTmBd IS +.7 TRUncon IS +1.1 Westport Funds: WestportR +23.5 Westwood Funds: MMitsAAA +35.1 SMidCap I +28.8 Wintergreen t +13.4

U-V

UBS Funds Cl A: DynAlpha t +4.4 GlobAllo t +7.4 US AllA +18.0 UM Funds: BehavValA t +32.3 US Global Investors: GlbRs -4.2 USAA Group: AgvGt +28.7 BalStra +8.2 CapGr +24.3 CrnstStr +8.5 ExtMktIn +31.2 FStrtGr +14.1 GovSec -1.5 GrTxStr +11.0 Grwth +29.1 Gr&Inc +30.1 HYldInco +7.9 IncStk +25.9 Inco IntTerBd +1.2 Intl +12.1 Nasdq 100 +30.9

+.05 ... +.01 +.09 +.11

+.10 +.02 ... +.02 +.07 ... ... ... +.06 +.04 +.01 -.01 +.01 ... -.04 -.01

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 15, 2013 / I7

Business WASHINGTON

Rising riches: 1 in 5 in U.S. reaches affluence issues such as abortion and gay marriage, according to an analysis of General Social Survey data by the AP-NORC Center for Public Affairs Research. But when it comes to money, their views aren’t so open. They’re wary of any By Hope Yen government role in closing The Associated Press the income gap. It’s not just the wealthiest In Gallup polling in October, 1 percent. 60 percent of people making Fully 20 percent of U.S. $90,000 or more said averadults become rich for parts age Americans already had of their lives, wielding outsize “plenty of opportunity” to get influence on America’s econahead. Among those making omy and politics. This littleless than $48,000, the share known group may pose the was 48 percent. biggest barrier to reducing “In this country, you don’t the nation’s income inequality. get anywhere without workThe growing numbers of ing hard,” said James Lott, the U.S. poor have been well 28, a pharmacist in Renton, documented, but survey data Wash., who adds to his sixprovided to The Associated figure salary by day-trading Press detail the flip side of the stocks. The son of Nigerian record income gap — the rise immigrants, Lott says he was of the “new rich.” able to get ahead by earnMade up largely of older ing an advanced pharmacy professionals, working mardegree. He makes nearly ried couples and more edu$200,000 a year. cated singles, the new rich are After growing up on food those with household income stamps, Lott now splurges of $250,000 or more at some occasionally on nicer restaupoint during their working rants, Hugo Boss shoes and lives. That puts them, if some- extended vacations to New times temporarily, in the top Orleans, Atlanta and parts of 2 percent of earners. Latin America. He believes Even outside periods of government should play a role unusual wealth, members of in helping the disadvantaged. this group generally hover But he says the poor should in the $100,000-plus income be encouraged to support range, keeping them in the top themselves, explaining that 20 percent of earners. his single mother rose out of Companies increasingly hardship by starting a dayare marketing to this rising care business in their home. demographic, fueling a surge “I definitely don’t see myself of “mass luxury” products as rich,” says Lott, who is savand services from premium ing to buy a downtown luxury Starbucks coffee and organic condominium. That will be groceries to concierge medithe case, he says, “the day I cine and VIP lanes at airports. don’t have to go to work every Political parties are taking a single day.” renewed look at the up-forACCOUNT FOR 40 PERCENT grabs group, once solidly OF CONSUMER SPENDING Republican. Sometimes referred to THEY SHARE A SENSE by marketers as the “mass OF ECONOMIC FRAGILITY affluent,” the new rich make They’re not the traditional up roughly 25 million U.S. rich. households and account for In a country where poverty nearly 40 percent of total U.S. is at a record high, today’s consumer spending. new rich are notable for their While paychecks shrank sense of economic fragility. for most Americans after the They’ve reached the top 2 per- 2007-2009 recession, theirs cent, only to fall below it, in held steady or edged higher. many cases. That makes them In 2012, the top 20 percent of much more fiscally conserva- U.S. households took home tive than other Americans, a record 51 percent of the polling suggests, and less like- nation’s income. The median ly to support public programs, income of this group is more such as food stamps or early than $150,000. public education, to help the Once concentrated in the disadvantaged. old-money enclaves of the President Barack Obama Northeast, the new rich are recently asserted that grownow spread across the U.S., ing inequality is “the defining mostly in bigger cities and challenge of our time,” sigtheir suburbs. They include naling that it will be a major Washington, D.C.; Boston, theme for Democrats in next Los Angeles, New York, San year’s elections. Francisco and Seattle. By New research suggests that race, whites are three times affluent Americans are more more likely to reach affluence numerous than government than nonwhites. data depict, encompassing 21 Paul F. Nunes, managpercent of working-age adults ing director at Accenture’s for at least a year by the time Institute for High they turn 60. That proportion Performance and Research, has more than doubled since calls this group “the new 1979. power brokers of consumpAt the same time, an tion.” Because they spend just increasing polarization of 60 percent of their before-tax low-wage work and high-skill income, often setting the rest jobs has left middle-income aside for retirement or investcareers depleted. ing, he says their capacity to “For many in this group, the spend more will be important American dream is not dead. to a U.S. economic recovery. They have reached affluence In Miami, developers are for parts of their lives and see betting on a growing luxury it as very attainable, even if market, building higherthe dream has become more end malls featuring Cartier, elusive for everyone else,” Armani and Louis Vuitton says Mark Rank, a professor and hoping to expand on at Washington University South Florida’s Bal Harbour, a in St. Louis, who calculated favored hideaway of the rich. numbers on the affluent for a “It’s not that I don’t have forthcoming book, “Chasing money. It’s more like I don’t the American Dream,” to have time,” said Deborah be published by the Oxford Sponder, 57, walking her dog University Press. Ava recently along Miami’s As the fastest-growing blossoming Design District. group based on take-home She was headed to one of her pay, the new rich tend to enjoy two art galleries — this one better schools, employment between the Emilio Pucci and and gated communities, mak- Cartier stores and close to the ing it easier to pass on their Louis Vuitton and Hermes privilege to their children. storefronts. Their success has implicaBut Sponder says she tions for politics and policy. doesn’t consider her income The group is more liberal of $250,000 as upper class, than lower-income groups on noting that she is paying col-

The new rich are those with household income of $250,000 or more at some point

Gallery owner Deborah Sponder walks her dog in Miami. She is one of America’s newly rich. (AP)

lege tuition for her three children. “Between rent, schooling and everything — it comes in and goes out.” Economists say the group’s influence will only grow as middle-class families below them struggle. Corporate profits and the stock market are hitting records while the median household income of $51,000 is at its lowest since 1995. That’s a boon for upperincome people who are more likely to invest in stocks. At the same time, about 54 percent of working-age Americans will experience near-poverty for portions of their lives, hurt by globalization and the loss of good-paying manufacturing jobs. THEY PRESENT NEW POLITICAL REALITIES

Both Democrats and Republicans are awakening to the political realities presented by this new demographic bubble. Traditionally Republican, the group makes up more than 1 in 4 voters and is now more politically divided, better educated and less white and male than in the past, according to Election Day exit polls dating to the 1970s. Sixty-nine percent of upper-income voters backed Republican Ronald Reagan and his supply-side economics of tax cuts in 1984. By 2008, Democrat Barack Obama had split their vote evenly, 49-49. In 2012, Obama lost the group, with 54 percent backing Republican Mitt Romney. Still, Obama’s performance among higher-income voters exceeded nearly every Democrat before him. Some Democratic analysts have urged the party to tread more lightly on issues of income inequality, even after the recent election of New York City Mayor Bill de Blasio, who made the issue his top campaign priority. In recent weeks, media attention has focused on growing liberal enthusiasm for Sen. Elizabeth Warren, D-Mass., whose push to hold banks and Wall Street accountable could stoke Occupy Wall Street-style populist anger against the rich. “For the Democrats’ part, traditional economic populism is poorly suited for affluent professionals,” says Alan Abramowitz, an Emory

THE NEW RICH

Reaching affluence in America

One in five Americans can expect to be in the ranks of the “new rich” — those making more than $100,000 a year — at some point in their lifetimes, according to new research.

Percentage of Americans by age group estimated to experience affluence for one year or more during their lives by earning a household income of at least: $100,000

$150,000

$200,000

$250,000

80 percent 60 40 20 0

30-year-olds

40-year-olds

50-year-olds

60-year-olds

NOTE: Income amounts are in 2009 dollars. SOURCE: Washington University in St. Louis

AP

James Lott works as a pharmacist in Bonney Lake, Wash. Lott, who lives in Renton, Wash., a suburb of Seattle, adds significantly to his six-figure job salary by day-trading stocks.

“For many in this group, the American dream is not dead. They have reached affluence for parts of their lives and see it as very attainable, even if the dream has become more elusive for everyone else.” MARK RANK, A PROFESSOR AT WASHINGTON UNIVERSITY IN ST. LOUIS AND AUTHOR OF THE UPCOMING “CHASING THE AMERICAN DREAM”

University professor who specializes in political polarization. The new rich includes Robert Kane, 39, of Colorado Springs, Colo. A former stock broker who once owned three houses and voted steadfastly Republican,

Kane says he was humbled after the 2008 financial meltdown, which he says exposed Wall Street’s excesses. Now a senior vice president for a private equity firm specializing in the marijuana business, Kane says he’s concerned about upward mobility for the

A look at America’s new rich, a rising demographic group: • The group is made up largely of older professionals, working married couples and more educated singles, those with household income of $250,000 or more at some point during their working lives. That puts them, if sometimes temporarily, in the top 2 percent of earners. They are 21 percent of U.S. adults ages 25-60, a proportion that has more than doubled since 1979. • They differ from the superrich because of their sense of economic fragility. Having reached the top 2 percent of income earners for a year or more of their lives, in some cases they will later fall below it. Those above them on the economic ladder often are more secure, with long-held family assets. • The new rich are important in part because they spend only about 60 percent of their before-tax income, making them prime marketing targets. Companies increasingly turn to them to boost revenue with a range of new “mass luxury” products and services. Economists say they’ll be important to the U.S. economic recovery as middle class Americans below them in income continue to struggle. • Although socially liberal on issues such as abortion and gay rights, the new rich are more fiscally conservative than other Americans and less likely to support safety-net programs to help the disadvantaged. • While 21 percent of workingage adults will achieve affluence for parts of their lives, they are substantially outnumbered by Americans who are financially struggling. Some 54 percent of working-age Americans will experience near-poverty — defined as 150 percent of the poverty line — for portions of their lives, hurt by the loss of well-paying manufacturing jobs. Source: The Associated Press

poor and calls wealthy politicians such as Romney “out of touch.” But Kane, now a registered independent, draws the line when it comes to higher taxes. “A dollar is best in your hand rather than the government’s,” he says.


I8 / SUNDAY, DECEMBER 15, 2013 / KALAMAZOO GAZETTE

Business “Men are promoted based on potential. Women are promoted based on performance.” DEBORAH GILLIS, CHIEF OPERATING OFFICER, CATALYST

A look at 23 women CEOs running Fortune 500 firms

Mary Barra, who General Motors on Tuesday named its next CEO, will be the first woman to run a major automobile maker. COMPANY

From left, General Motors Senior Vice President Mary Barra, President of North America Mark Reuss and Cadillac Chief Engineer David Leone react after the Cadillac ATS is named North American Car of the Year at the North American International Auto Show in Detroit in January. (AP file)

DETROIT

Soon-to-be GM CEO known for approachability, effectiveness By Tom Brisher and Dee-Ann Durbin The Associated Press

Kettering University President Robert McMahan was traveling in China a few months ago when he bumped into one of the university’s board members at an airport in Shanghai. Mary Barra, the busy global product development chief at General Motors Co., might have just said hello and turned back to her phone. Instead, she had a long discussion with McMahan’s teenage son about his education and his efforts to learn Mandarin. “I turned to my son after she left and said, ‘I put a month’s pay on the fact that you just met the next president and CEO of GM,’” McMahan said. “Even he, as a 16-year-old, was impressed by her approachability.” McMahan can keep his pay. On Tuesday, GM’s board named Barra, a 33-year company veteran, as its next CEO, making her the first woman to lead a major car company. Barra replaces Dan Akerson, who moved up retirement plans by several months to help his wife, Karin, battle advanced cancer. When Barra starts her new job Jan. 15, she will lead a company that has made near-

ly $20 billion since emerging from bankruptcy in 2010, much of it from the cars and trucks she helped develop. But she still faces challenges of paring down GM’s costs and winning over buyers in international markets such as India and South America. Akerson, 65, said he had planned to stay at least until spring, but his wife’s diagnosis changed that. He said the board unanimously picked Barra from several internal candidates because of the breadth of her experience, her management record, her people skills and her understanding of GM’s operations. Since February 2011, Barra has held what many say is the most important job at GM. She joined the company in 1980 as an engineering student at Kettering — then known as General Motors Institute — and became a plant manager, executive director of engineering and head of human resources. Along the way, she earned a reputation as a manager who made tough decisions, yet was able to get people to follow her lead and work as a team, according to current and former GM executives. Noting her talent, GM sent her to Stanford University to get an MBA. The 51-year-old execu-

tive has been in charge of design, engineering and quality for all GM vehicles and has shepherded most of the company’s recent new vehicle introductions. Under her command, GM rolled out brawny new full-size pickup trucks, the Chevrolet Silverado and GMC Sierra, and the Chevrolet Impala full-size car, which earned the highest score for a sedan in testing by Consumer Reports magazine. During her tenure, GM’s quality scores rose in surveys done by J.D. Power and Associates. She also streamlined the organization, eliminating positions and putting one engineer in charge of each vehicle. Among Barra’s biggest tasks is executing plans designed to cut costs and putting out better products, Akerson said. One big step in getting there: making more vehicles off the same underpinnings, or platforms, that can be sold in multiple markets, like the Chevrolet Cruze compact car. In 2009, GM had 30 vehicle platforms, adding to manufacturing complexity and cost. Under Barra’s leadership, it’s moving to build nearly 90 percent of its cars and trucks off five or fewer platforms by the end of this decade.

5 things to know about Barra Mary Barra will become the first female CEO of a U.S. automaker when she takes over as CEO of General Motors on Jan. 15. Here are five things people may not know about the 51-year-old GM veteran:

1

Deep ties: Barra was born and raised in the Detroit suburbs and steeped in the car industry. Her father, now deceased, was a die maker at GM for 39 years. She went to college at General Motors Institute (now Kettering University), a sort of automotive preparatory school in Flint, where she earned a bachelor’s of science in electrical engineering and began her GM career as part of a student co-op program. Her first job, at 18, was at the Pontiac plant that made the Pontiac Fiero sports car. No bean counter: Barra is the first engineer to run GM since CEO Bob Stempel left in 1992. The two men who followed Stempel, Rick Wagoner and Fritz Henderson, were finance executives. Ed Whitacre and Dan Akerson were brought in from the telecommunications and finance industries by the federal government, which inherited an ownership stake as part of GM’s bailout and bankruptcy. Barra has worked in just about every corner of GM, but has little experience in finance and the sales and marketing of cars and trucks.

2

Archer Daniels Midland Avon Campbell Soup CH2M Hill Duke Energy DuPont Frontier Communications Gannett General Dynamics General Motors Graybar Electric Guardian Life Insurance of America Hewlett-Packard IBM Ingredion Lockheed Martin Mondelez International Mylan PepsiCo Sempra Energy TJX Xerox Yahoo *Latest full year available

3

Due for a pay raise: As GM’s product chief, Barra has made less than comparable executives at other companies, according to the company’s compensation committee. That’s partly because the government was capping executive salaries while it owned part of GM. On Monday, the government sold the last of its GM shares. Akerson said Tuesday that the company plans to change its salary metrics to focus more on vehicle quality. The value of Barra’s compensation totaled $4.85 million last year, according to GM’s latest proxy statement. That included a $750,000 base salary plus stock units.

4

Family matters: Many GM insiders say Barra admirably balances her work and home lives. Barra is married with two teenage children, one boy and one girl. She has been known to end meetings to go pick up her kids, and when they were young their artwork was proudly displayed in her office. Car crazy: Barra’s first car was a Chevrolet Chevette. These days, she tools around in a new Cadillac CTS, one of several cars that have been released during her time as GM’s global product chief. But her real love is the sporty Chevrolet Camaro. She and her husband have owned several over the years.

5

Source: The Associated Press

STARTED

ANNUAL REVENUE* (in billions)

MARKET VALUE AS OF 12/10/2013, (in billions)

Patricia Woertz Sherilyn McCoy Denise Morrison Jacqueline Hinman Lynn Good Ellen Kullman Maggie Wilderotter Gracia Martore Phebe Nokakovic Mary Barra Kathleen Mazzarella

April 2006 April 2012 August 2011 January 2014 July 2013 January 2009 January 2006 October 2011 January 2013 January 2014 June 2012

$89 $11 $8 $6 $20 $35 $5 $5 $32 $152 $5

$28 $8 $13 N.A.** $49 $57 $5 $6 $32 $56 N.A.**

Deanna Mulligan

July 2011

$8

N.A.**

Margaret Whitman Virginia Rometty Ilene Gordon Marillyn Hewson Irene Rosenfeld Heather Bresch Indra Nooyi Debra Reed Carol Meyrowitz Ursula Burns Marissa Mayer

September 2011 January 2012 May 2009 January 2013 June 2006 January 2012 October 2006 June 2011 January 2007 July 2009 July 2012

$112 $105 $7 $47 $35 $7 $65 $10 $26 $22 $5

$52 $192 $5 $45 $60 $16 $127 $21 $44 $14 $41

**Company not publicly traded

SOURCE: AP

WASHINGTON

Report: Growth stalls for ranks of female CEOs Women hold less than 15 percent of the top spots among the Fortune 500 By Lillian Cunningham The Washington Post

On the same day General Motors announced it had chosen a woman to lead the company, fresh research showed the automaker’s new chief executive is still the exception rather than the rule. Catalyst — a nonprofit research organization that studies women in leadership roles — released a report that found women currently hold less than 15 percent of senior positions among the Fortune 500, a number that hasn’t significantly changed over the past four years. “It’s really disappointing,” said Deborah Gillis, chief operating officer at Catalyst. “The advancement of women really isn’t hard, it just requires intentional focus and leadership.” That reality may have been masked by a few big names who have recently ascended to top jobs in traditionally male-dominated industries. TECHS AND DEFENSE

Mary Barra attends January’s presentation of the Car & Truck of the Year at the North American International Auto Show in Detroit. Barra was named GM CEO on Tuesday. (AP file)

CEO

Some of the tech industry’s biggest names are women — Virginia Rometty of IBM, Marissa Mayer of Yahoo, Margaret Whitman of Hewlett-Packard and Ursula Burns of Xerox. Three of the country’s largest defense contractors have women at the helm as well. Add to that list Mary Barra, who will become the first woman to lead GM — or any major automaker, for that matter. The auto industry has been unlocking slightly more doors to women over the past decade. In 2002, 11 percent of corporate officers in the industry were women, according to Catalyst research. Today, they make up 16 percent. GM, in particular, is notable for having higher percentages of women in leadership than the average Fortune 500 company. A quarter of its corporate officers are women,

MARY BARRA Age: 51 Born: Dec. 24, 1961. Experience: Has served in a variety of roles for General Motors, including vice president of global human resources and vice president of global manufacturing engineering. Named senior vice president of global product development in February 2011. Assumed responsibility for GM’s global purchasing and supply chain organization and was named executive vice president, global product development and global purchasing and supply chain in August. Is a member of the GM executive operations committee and serves on the Adam Opel AG supervisory board. Education: Started with GM in 1980 as a General Motors Institute (Kettering University) co-op student at the Pontiac Motor division. Barra graduated with a bachelor of science degree in electrical engineering. She graduated from the Stanford Graduate School of Business in 1990 with an MBA after receiving a GM fellowship in 1988. Family: Married with two children. Appointments: Serves on the boards of the Barbara Ann Karmanos Cancer Institute, General Dynamics and the Kettering University board of trustees. She is GM’s key executive for Stanford University and University of California-Berkeley.

even though women make up nearly 21 percent of overall workers in the auto industry, according to Catalyst. CLIMBED THE LADDER

Barra, who started as a factory intern and currently serves as executive vice president of product development, has spent her career at GM. Like IBM’s Rometty and Lockheed Martin’s Marillyn Hewson, Barra climbed the ladder within the same organization for three decades before becoming chief executive. In

fact, more than one-third of the 23 female chief executives who will now lead Fortune 500 companies have done the same. Finding top male chief executives who are company “lifers” is far less common. “Men are promoted based on potential,” Gillis said. “Women are promoted based on performance.” Because of this, Catalyst found, women actually tend to make more money by staying with the same employer than by switching jobs — while the opposite is true for men. Women who spend their careers at one company build relationships and credibility over time, Gillis said. And for some, as in the case of Barra, it can take 33 years to break up an organization’s old boy’s club and prove fit for its top job, Gillis added. According to David Ulrich, a human resources expert and a professor at the University of Michigan’s Ross School of Business, Barra’s appointment may signal the automaker’s willingness to change its organizational culture and its confidence in the talent and strategy it has in place. That may be important given that the company is only now emerging from its federal bailout. “It’s a symbol of opportunity as well as a signal of comfort,” Ulrich said. NOT LEADING THE BOARD

One role Barra isn’t taking over is that of chairman of the board. Though Dan Akerson currently serves as GM’s chief executive and chairman, those positions will be split. So Barra, though gaining a seat on the board, won’t lead it. Catalyst’s new report, as it happens, could have predicted that. As with senior leadership roles, board seats have remained flat for women — with female directors making up less than 17 percent of Fortune 500 board members this year. So does Barra’s appointment signal any real advances for women at the top? “That’s something to celebrate,” Gillis said. “But frankly, we’ll really celebrate when we’re not counting the first woman in various industries.”


General excellence December 15, 2013 sections g, h, i