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YELLOW
BUSINESS MONDAY
• Bucking the odds and creating jobs
despite a down economy.
• Miami-based Datamyne is the
largest searchable database in the
world.
COLLEGE COSTS 101
Ask author and scholarship expert Kelly
Tanabe your questions about scholarships
and other ways to pay for college Tuesday
from 9 a.m. to 10 p.m. at www.Facebook
.com/SallieMae. Tanabe says a million
scholarships are available.
TAKING STOCK OF
GENERAL MOTORS, 2E
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MAGENTA
A DOZEN OYSTERS
$12.65 on Nov. 10
Average of costs at three raw bars
MiamiHerald.com/business
Digital Dish: Bridget Carey reviews the
Earloomz Bluetooth earpiece.
MONEY
C
SATURDAY, NOVEMBER 13, 2010 EDITOR: JANE WOOLDRIDGE [email protected] 305-376-3629
A1
EMPLOYMENT
Young workers off to a slow start
■ The effects of the Great Recession are likely to haunt the
careers of the new generation of workers for years to come.
BY DON LEE
Tribune Washington Bureau
WASHINGTON — As the
nation struggles with the aftermath of the Great Recession, few
groups have suffered greater setbacks or face greater long-term
damage than young Americans
— damage that could shadow
their entire working lives.
Unemployment for 20- to 24year-olds hit a record high of
more than 17 percent earlier this
year. Even for young adults with
college degrees, the jobless rate
has averaged 9.3 percent this
year, double the figure for older
graduates, according to the
Labor Department.
Adding to the impact, surveys
by the Pew Research Center
indicate, a greater share of workers in their 20s lost hours or
were cut down to part-time status than any other age group.
And their incomes have fallen
more sharply, even as they are
far more likely than others to say
they are working harder than
ever.
‘‘These are young workers
just trying to establish a connection to work, and it will cause
permanent damage to long-term
pay. This crisis has the potential
for scarring,’’ said Ron Blackwell, chief economist at the AFLCIO.
The effect of the recession is
reflected in the fact that many
young Americans who started
out living independently are
moving back home with their
parents because they are unable
to survive financially.
Also, new Census Bureau fig-
HEALTHCARE
ures show that couples increasingly are postponing marriage
and parenthood, waiting for their
financial prospects to improve.
Meanwhile, more young families
are falling into poverty.
‘‘It makes you almost want to
cry for the future of our country,’’ said Andrew Sum, director
of the Center for Labor Market
Studies at Northeastern Univer•
TURN TO YOUNG WORKERS, 4C
BEST OF THE BLOGS
Scrambling for coverage
Not all sales
created equal
■ The holiday shopping season is at
■ It’s time to choose, and many
hand, but is that deal really a deal?
Florida seniors are finding they must
find new providers.
BY NIRVI SHAH
BY BOB LAMENDOLA
[email protected]
Sun Sentinel
I long ago gave up the frenzied ritual
of Black Friday shopping. I figured the
really good deals, like the $3 appliances
Target will offer this year, will be in
short supply and there is nothing I need
so badly that I should deprive myself of
sleep to get it. Or risk being trampled.
And it’s hard to tell whether I’m really
getting a deal. A recent check by ShopSmart (a magazine by the same people
who produce Consumer Reports) found
that some sales are anything but. For
example, they found that a coffeemaker
marked on sale at Kohl’s and at
Kohls.com was on sale for $61.99, a supposed discount from the retailer’s posted
Like more than 100,000 Florida
seniors, Boynton Beach retirees Barry
and Gladys Lubliner got a letter from
their Medicare drug plan last month saying it will halt coverage in the state.
Upset, the Lubliners and Medicare
recipients like them must go through the
burdensome process of finding new
health insurers for 2011, with the Medicare signup period starting on Nov. 15.
‘‘It’s very unsettling,’’ Barry Lubliner
said.
Other big changes in Medicare for
2011: Less flexibility in switching HMOs
after Jan. 1, and more help with the
‘‘doughnut hole’’ gap in prescription drug
coverage.
For 2011, no fewer than 15 Medicare
prescription drug plans in Florida are
dropping out, including four with the
largest enrollments. Among them, lowpremium United Healthcare AARP Rx
Saver and Universal American PrescribaRx Bronze that were popular with bargain hunters.
The good news is that Florida still will
have 32 drug plans in every price range,
plus dozens of HMO-style health plans
— 90-plus in South Florida counties and
up to 59 in most Central Florida counties.
Contrary to some political commentators, the federal health care overhaul did
not cause the streamlining. Medicare
pressured insurers to weed out plans that
are nearly identical and cloud the
choices.
‘‘People will have plenty of choices,’’
said Judith Stein, executive director of
the nonprofit Center for Medicare Advocacy. ‘‘Some plans disappearing should
make the choosing somewhat easier.
This is a good thing for recipients.’’
But seniors have been most upset by
their plans dropping them. As soon as the
letters arrived last month, seniors started
lining up to see state-funded counselors
to shop for new coverage.
The Broward and Palm Beach county
offices of Serving the Health Insurance
Needs of Elders program (SHINE) are
booking up weeks earlier than normal.
‘‘They’re anxious,’’ said Palm Beach
coordinator Jennifer Vandermay. ‘‘They
want to get it over with and done and
find a new plan.’’
The Lubliners are paying $19.80 a
•
TURN TO SHIPPING, 4C
INVESTING
Finding safer
alternatives
BY ANDREW MENACHEM
Special to The Miami Herald
plans in Florida will cost less than $25 a
month next year. So they expect to pay
more. One new plan, Humana Walmart
Preferred, will run $14.80 a month, but
advocates said seniors should make sure
‘‘Don’t put all your eggs in one basket.’’ You probably heard that advice as a
child and it’s just as true today as an
adult investor. After all,
if your portfolio
includes nothing but
stocks and bonds,
you’re more vulnerable
to a downturn in the
financial markets than
an investor with a more
diversified portfolio.
Diversification is
MENACHEM
one of the fundamentals for successful long-term investing
because while it won’t eliminate risk, it
can help reduce it. If you own real estate,
commodities or other types of alternative investments — along with a mixture
of stocks and bonds — a drop in the
financial markets may not be quite as
damaging.
While the basic concept of diversification is easy to understand, putting this
•
•
RON BORRESON/BRADENTON HERALD
month apiece in Coventry First Health
Secure plan, the least expensive drug
plan in Florida. When the plan leaves, if
they want to stay with First Health, the
lowest option will cost $41.30 a month.
The Lubliners don’t like HMOs, which
tend to be cheaper, and only two drug
TURN TO MEDICARE, 4C
TURN TO INVESTING, 2C
( BLACK
CYAN ) ) ) )
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1, A1 , Keyword:
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MiamiHerald.com/Business
A1
YELLOW
THE MIAMI HERALD
PERSONAL FINANCE
INVESTING
THE WEEK AHEAD
THE COLOR OF MONEY
Finding safer alternatives Student loans teach
Time to
take stock
of GM?
•
BY TOM HUDSON
Nightly Business Report
Do you want to own a
piece of American history? Should you own a
piece of what may be
America’s future? More
plainly, will you be buying stock in the slimmer,
trimmer and profitable
General Motors when it
goes public this week?
It is rare for a U.S.
automaker to go public.
OK, maybe
it’s not that
rare judged
by this
year’s
activity. In
late June
electric car
HUDSON
maker
Tesla sold stock to the
public for the first time.
Since then, Tesla shares
are up 23 percent.
General Motors is a
much different story. The
stock sale comes after 40
days in bankruptcy reorganization and a bailout
by the U.S. taxpayers.
GM is a smaller company
now compared to the last
time it had a publicly
traded stock. The Pontiac, Saturn, Saab and
Hummer brands have
either been left for dead
or sold. It has 40 percent
fewer dealers.
This new generation
of GM seems to have
more incentive discipline
than a few years ago.
During the easy credit
days of 2004 and 2005,
making cars seemed secondary at GM (along
with many of the other
automakers) to securing
the financing. Zero percent financing and big
rebates caused GM to fail
as much as the souring
economy did. Financial
engineering was more
valuable than mechanical
engineering.
GM is an iconic American brand. But it’s not an
entirely American company. Two-thirds of its
auto and truck sales
come from outside the
U.S. European sales are
weak and Asia is growing
in competition. That may
be America’s future as
much as it is GM’s.
Tom Hudson is anchor
of Nightly Business
Report, produced by NBR
Worldwide and distributed nationally by PBS. In
South Florida, the show is
broadcast at 7 p.m. weekdays on Channel 2.
INVESTING, FROM 1C
strategy to work can be a bit of a challenge. That’s because effective diversification involves more than looking at a
menu of asset choices and picking two or
three that sound appealing.
The key to successful diversification
is understanding which assets typically
rise and fall in value at the same time — a
concept called correlation. For instance,
at times, U.S. and international stocks
can be highly correlated, producing both
positive and negative returns at the same
time. That was certainly the case in the
2008 financial meltdown, when both
stock and bond prices plummeted.
But there are other assets — often
called alternative investments — that
may rise in value, or may at least hold
their own, when Wall Street takes a tumble. These include private equity funds,
hedge funds, commodities and managed
futures. Therefore, including some alternative investments in qualified investors’
portfolios may help reduce volatility.
A number of market studies indicate
that managed futures may provide an
effective way to balance a portfolio.
Let’s take a closer look at managed
futures as an investment class, which has
deep roots in American history. Decades
ago, farmers, ranchers and bankers
sought a way to reduce the price swings
in the agricultural markets. The result
was the concept of a futures contract,
which set a certain delivery price in
advance for a specific commodity.
As the advantages of this risk management strategy became more apparent,
the concept of the futures contract was
extended to the foreign exchange and
interest rate markets in the 1970s and
’80s. Since then, the future markets have
continued to grow and play an important
role for many investors.
Today, a managed futures fund is
guided by a manager called a commodity
trading advisor (CTA) who can follow
different strategies in six major market
sectors: agricultural products, currencies, energies, interest rates, major metals and stock indices.
This can be a benefit to suitable inves-
tors, who have little opportunity to participate directly in these markets, such as
crude oil, Japanese debt or foreign
exchange relationships. Therefore, managed futures offer the benefit of exposure to these markets at a certain level.
Underlying futures markets can be
driven by different factors than those
influencing stock and bond prices. That
alone may reduce the correlation. In
addition, the CTAs can make potentially
profitable investment decisions regardless of whether the markets are moving
up or down. So even when Wall Street is
having a bad year, managed futures may
still show a positive return. On the other
hand a good year for stocks and bonds
can result in negative returns for managed futures.
Since 1980, there have been six times
when the S&P 500 Index has fallen by 10
percent or more. In each case, managed
futures, as measured by the Barclay CTA
index, produced positive returns. In
2008, for instance, managed futures were
up 14.4 percent while the S&P was down
36 percent. Of course, it is important to
remember that past performance is not a
guarantee or prediction of comparable
future performance.
For an investor, managed futures
holdings might be somewhere between 3
and 10 percent of the overall portfolio.
Historically, that has been shown to
improve both the overall portfolio diversification and the overall risk-adjusted
return. So we know that managed futures
have benefits such as historically low
correlated performance relative to traditional investments such as stocks and
bonds and that they can be an effective
diversifier when combined in a portfolio
with other types of investments.
It’s important to know, however, that
they are not suited for everyone and do
involve risks.
In our next column, we’ll look at other
types of alternatives to stock and bonds.
Andrew Menachem, CIMA, CWS is a
wealth advisor at the Menachem Group at
Morgan Stanley Smith Barney in Miami
and Aventura and teaches at the University of Miami.
STOCK NEWS
Navios Maritime Acq .05Q
Resumed Dividend
Escalade Inc .10
Liquidating Dividend
Williams Coal Seam Gas $2.3814
Declared Stock Dividend
Landmark Bancorp 5pc
Declared Stock Splits
Ligand Pharmaceutical 1 for 6 rev
Magna International 2 for 1
Stock Splits This Week
Geeknet Inc 1 for 10 reverse
Gushan Environ Engy 1-5 rev
Jacada Ltd 1 for 4 reverse
Kemet Corp 1 for 3 reverse
OptimumBank Hldgs 1 for 4 reverse
Riverbed Technology 2 for 1
Annual Earnings Higher
GAAP fully diluted
Conexant Systems .27 vs (.38)
Penford Corp .57 vs (5.80)
Pricesmart Inc 1.65 vs 1.43
Tyco Intl Ltd 2.32 vs (3.80)
Zep Inc .61 vs .42
Annual Earnings Lower
(Losses)
Amcon Distributing 11.99 vs 16.61
Chapter 11
Ambac Financial Group Inc
Emerged from chapter 11
Chemtura Corp
General Growth Properties
Called for Redemption
Delphi Financial Group 8pc notes due
5-15-2033 Dec. 23
Huntsman Intl LLC 7.875pc niotes due
11-15-2014 Nov. 26
Mack-Cali Realty LP 7.75pc notes due
2-15-2011 Dec. 15
Markwest Energy 6.875pc notes due
11-1-2014 Dec. 8
MetroPCS Wireless 9.25pc notes due
11-1-2014 Nov. 18
Increased Dividends
[Quarterly unless noted]
Adams Rescs & Engy .54A from .50A
AmeriSource Bergen .10 from .08
Automatic Data Proc .36 from .34
Baxter Intl .31 from .29
Buckeye GP LP .47 from .45
Cinemark Hldgs .21 from .18
DeVry Inc .12S from .10S
EMC Insurance .19 from .18
Equifax Inc .16 from .04
Estee Lauder .75A from .55A
Excel Trust .12 from .08
Intel Corp .18 from .1575
Keynote Systems .06 from .05
Lexington Rlty Tr .115 from .10
Lincoln National .05 from .01
MDU Resources .1625 from .1575
Meadowbrook Ins Grp .04 from .03
Mesa Labs .12 from .11
Pan Amer Silver .025Q from .025S
Prudential Financial 1.15A from .70A
Rockville Financial .065 from .06
Sanders Morris Harris .05 from .045
StanCorp Financial .86A from .80A
Starwood Prop Tr .40 from .33
Sysco Corp .26 from .25
Telus Corp g .525 from .50
Timken Co .18 from .13
Vectren Corp .345 from .34
Wendys/Arbys .02 from .015
Weyco Group .16 from .15
g- Canadian funds
Extra or Special Dividends
Columbia Sportswear $1.50
Haverty Furniture .07
Haverty Furniture A .065
Knight Transportation .75
Medtox Scientific $1.25
Nelnet Inc .49
Southside Bancshares .17
Stein Mart Inc .50
Initiated Cash Dividends
IDT Corp .22Q
Tanger Factory Outlet Centers 7.5pc pfC
Dec. 9
Teco Finance Inc 7pc notes due 5-1-2012
Dec. 2
Unisys Corp 8.5pc notes due 10-15-2015
Dec. 8
Acquisitions and Mergers
Minimum value $100 million
Amazon.com - Quidsi Inc ($500M)
Ametek Inc - Atlas Material Testing Technology LLC ($159M)
Chevron - Atlas Energy ($3.2B)
Harris Corp - Schlumberger GCS ($347.5M)
New Stock Listings
NYSE
Chemtura Corp
Noah Holdings Ltd ADS
General Growth Properties new
Howard Hughes Corp
Inphi Corp
SemGroup Corp
Stanley Black&Decker cv pf
NASDAQ Global and Global Select Markets
RDA Microelectronics Inc
Sabra Healthcare REIT wi
UniTek Global Services Inc
Stocks Removed from Trading
NYSE
Ambac Financial Group Inc
General Growth Properties old
Inergy Holdings LP
Mariner Energy Inc
Neteeza Corp
PS Business Parks pfL
NYSE AMEX Equities
Gulfstream Intl Group
NASDAQ Global and Global Select Markets
Alloy Inc
Comarco Inc (to Capital Market)
GenVec Inc (to Capital Market)
Corporate Name Changes
American Dairy Inc to Feihe International
Inc
a hard lesson in life
BY MICHELLE SINGLETARY
Tick tock. Tick tock.
That’s the sound
recent college graduates
are hearing as they near
the day of reckoning. The
typical six-month grace
period on student loans is
about to end.
Then wham! — as they
face the reality of what it
costs to get an education.
For years, I’ve written,
talked and generally
fussed about the way people handle their money.
Yet it never — and I
mean
never —
ceases to
amaze me
how people borrow
money
with so litSINGLETARY
tle understanding about how much
they owe and how long it
will take to pay it back.
And the worst are borrowers who take loans for
college.
So what should you do
if your grace period is
coming to an end this
month? Here are some
suggestions from the Project on Student Debt, an
initiative of the Institute
for College Access & Success, a nonprofit independent research and policy
organization. You can
more tips at http://
bit.ly/avNe7V:
• Know what you
owe. ‘‘Don’t bury your
head in the sand,’’ says
Lauren Asher, the institute’s president. ‘‘Dealing
with the debt head-on
gives you the most
options. If you’ve got federal student loans, you
really do have choices in
how to deal with it. But if
you ignore it, you have
fewer choices.’’
To find out your loan
terms, go to the source —
your lender or lenders.
You can also find details
of your student loans,
including balances, by
going to the National Student Loan Data System,
which is the U.S. Department of Education’s central database for student
aid. The website is
www.nslds.ed.gov.
• Know when you
owe. A grace period is
how long after leaving
school before you have to
make your first payment.
It kicks in after you graduate, leave school or drop
below half-time enrollment. But the amount of
grace you get varies. For
Stafford loans, it is six
months, nine months for
Perkins loans. If you don’t
know your grace period,
you could end up in
default. This is not a great
position to put yourself in
because it could affect
your ability to apply for
other options.
• Let your lender
know where you are. I get
complaints from borrowers who are in default
because they say their
loan statements were
mailed to an old or incorrect address. But it often
turns out the person
didn’t forward new contact information. Or
maybe he or she did
inform the lender, but a
month or two or three
goes by and nothing
comes in the mail. Come
on. You know you owe
this money — every
month. If you don’t hear
from the lender, then call,
e-mail, text or tweet.
• Find the right
repayment option: One of
the best is the relatively
new Income-Based
Repayment program, or
IBR. This option, which is
not available for private
student loans, is intended
to set a reasonable
monthly payment based
on a borrower’s income
and family size. Under
IBR, after 25 years of
qualifying payments,
your remaining debt,
including interest, will be
forgiven. New federal
loans taken out by new
borrowers in 2014 and
later are forgiven after 20
years, Asher said. For
public service workers —
teachers, nurses and
those in military service
— the debt is forgiven
after 10 years. To get
more details, go to
www.IBRinfo.org.
About this time of
year, I begin to get
e-mails from panicky borrowers. Their cries of
desperation go something
like: ‘‘My income isn’t
enough to cover rent,
transportation and my
other bills, plus my student loans,’’ or ‘‘What
should I do?’’
My answer is sadly the
same: There is no magic
solution. You’ve got to
pay the debt. Somehow.
The tips from the Project
on Student Debt will help
with the somehow.
Hear Michelle Singletary’s personal finance
reports on www.npr.org.
Readers may write to her
c/o The Washington Post,
1150 15th St., NW, Washington DC 20081.
SOUTH FLORIDA CONSUMER FINANCE GUIDE
Money Market
1.50
1.25
1.00
0.75
0.50
0.25
0.00
N D J F M A M J J A S O
Money Market national averages are
based on federally insured accounts
requiring a min. deposit of $5,000 or less
Money Market Accounts
This Week
$5K or less
0.24
$10,000+/0.32
$25,000+/0.40
$50,000+/0.49
Last Week
0.24
0.33
0.40
0.49
CD Rates
1.75
1.50
1.25
1.00
0.75
0.50
0.25
0.00
N D J F M A M J J A S O
6 mo
Company
Financial Indexes
Comments
5.00
1st National Bank of S. FL
305-247-5541
www.1stnatbank.com
2,500
0.20
1,000
0.25
1,000
0.60
1,000
0.90
1,000
1.33
1,000
1.43
1,000
2.03
We are a full-service bank serving the
South Florida community.
Chase
800-788-7000
www.chase.com
100
0.05
1,000
0.15
1,000
0.25
1,000
0.25
10K
0.50
10K
1.00
10K
1.49
Contact us to learn more about our
relationship rates.
Citibank
800-374-9500
www.citibank.com
100
0.20
500
0.15
500
0.30
500
0.50
500
0.60
500
1.01
500
1.25
CD rates apply to CDs opened online or
by calling 800-374-9500. Visit us online
for many more products & specials.
Comerica Bank
800-266-3742
www.comerica.com
50
0.10
4.00
3.00
First Century Bank, N.A.
800-332-8231
www.myfirstcenturybank.com
1,000
0.10
1,000
0.20
1,000
0.20
1,000
0.40
1,000
0.65
1,000
1.25
2.00
1.00
0.00
N D J FM A M J J A S O
10 Yr T-Bill
We have more than 150 years of
experience. Please contact us today.
Our mission is to create a banking
environment that will constantly deliver
quality personal service to you.
Call
Call
Call
Call
Call
Call
Call
Grand B&T of Florida
561-615-5000
www.grandbankflorida.com
2,500
0.10
1,000
0.50
1,000
0.75
1,000
1.10
1,000
1.45
1,000
1.75
1,000
2.00
Visit one of several convenient
locations for all of your banking needs.
HSBC Bank USA, NA
800-975-HSBC
www.us.hsbc.com
1
0.10
1,000
0.05
1,000
0.10
1,000
0.70
1,000
0.40
1,000
0.40
N/A
Visit our website to choose from a
broad selection of products tailored to
your needs and budget.
International Financial Bk
305-648-8800
www.ifbbank.com
3,500
0.18
2,500
0.40
2,500
0.55
2,500
1.00
2,500
1.35
2,500
1.80
2,500
2.50
Ask for “Choice” Checking with no
maint. fee, no min. balance. Other
requirements apply. Member FDIC.
Optimum Bank
888-991-2265
www.optimumbank.com
5,000
0.50
1,000
0.50
1,000
0.75
1,000
1.050
1,000
1.30
1,000
1.60
1,000
1.90
Visit our website to learn more about
our checking and savings products.
4.50
Call us or go online to get more
information about our products and
services.
3.50
Sterling Bank
561-204-2400
www.sterlingbankfl.com
Call
Call
Call
Call
Call
Call
Call
Last Week
0.49
0.75
1.11
1.38
VISIT http://miami-financial-rates.infotrak.com for much more. . .
Current Rates
Financial Calculators
Tips and Advice
All rates are believed to be accurate but cannot be guaranteed. Rates are subject to change without notice and certain restrictions may apply. Contact each
company for details. Companies may pay a fee to be in this Guide. APY = annual percentage yield; N/A = not available; P = prime rate; K = thousand; Min =
minimum; Mo = month; Money Market accounts and Certificates of Deposit should be federally insured unless otherwise noted.
Copyright 2010 INFOTRAK National Data Services, Inc.
Rates as of 11/10/10
6 Mo LIBOR
Key Financial Indexes
This Week
1-yr T-Bill
0.220
10-yr T-Bill
2.610
Prime Rate
3.250
National COF
1.700
6 Month LIBOR
0.448
Last Week
0.230
2.670
3.250
1.700
0.448
Mortgages
6.50
6.00
5.50
5.00
4.00
N D J FM A M J J A S O
30 C
12 mo
CD national averages are based on
federally insured accounts requiring a
$10,000 min. deposit or less for term.
Certificates of Deposit
This Week
6 Mo
0.48
12 Mo
0.75
24 Mo
1.10
36 Mo
1.38
Money
Certificates of Deposit
Market 3 Mo
6 Mo
12 Mo 24 Mo 36 Mo 60 Mo
Min/APY Min/APY Min/APY Min/APY Min/APY Min/APY Min/APY
15 C
Based on $175,000 loan for single family
home with 20% down, and 0 point
origination and discount fees.
National Average Mortgage Loan Rates
This Week
Last Week
4.398
4.398
3.869
3.931
4.825
4.825
3.238
3.273
30-yr Fxd Conf
15-yr Fxd Conf
30-yr Fxd Jumbo
5/1 ARM Conf
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Story HA1C_021113 System MIAE
by KSCOTT
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Time 18:29:04 Date 11/12/10
Story # 0 Story name HA1C_021113 Basket INL PAGES Last text user KSCOTT C ,
2, A1 , Keyword:
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