A few credit card issuers are providing free access to credit scores for their cardholders. The change could be welcome news for consumers. In the past, some consumers signed up for "free credit scores" and later discovered they had signed up to pay a fee for credit monitoring services.
In early February, Discover rolled out free, three-digit FICO scores on monthly statements for its card members after a test run last year. Barclays is offering free FICO scores to its cardholders, too, via their online accounts but not on their credit card statements. First Bankcard is offering free scores, too.
While the Consumer Financial Protection Bureau is turning up the heat on card issuers to provide more credit score information, many expect that some issuers are offering the free service as a way of being more competitive, too.
Best Paper Companies For 2015: Navistar International Corporation (NAV)
Navistar International Corporation, through its subsidiaries, manufactures and sells commercial and military trucks, buses, diesel engines, and recreational vehicles, as well as provides service parts for trucks and trailers worldwide. The company operates in four segments: Truck, Engine, Parts, and Financial Services. The Truck segment manufactures and distributes trucks and buses for the common carrier, private carrier, government, leasing, construction, energy/petroleum, military vehicles, and student and commercial transportation markets under the International and IC brands; assembles components; and produces sheet metal components, including truck cabs. This segment markets its products through its independent dealer network, and distribution and service network retail outlets comprising 784 in the United States and Canada, 86 in Mexico, and 292 internationally, as well as markets reconditioned used trucks to owner-operators and fleet buyers through its network of us ed truck centers. The Engine segment designs, manufactures, and sells diesel engines under the MaxxForce brand for use in the medium trucks, heavy trucks, and military vehicles, as well as for its IC branded school buses and other applications. The Parts segment provides customers with products required to support the company�s brands, as well as offers other truck, trailer, and engine service parts. The Financial Services segment provides and manages retail, wholesale, and lease financing services for products sold by the Truck and Parts segments and their dealers. It also operates as a private-label designer and manufacturer of diesel engines for the pickup truck, van, and sport utility vehicle markets. Navistar International Corporation was founded in 1902 and is headquartered in Lisle, Illinois.
Advisors' Opinion:- [By Peter Graham]
The Q2 2014 earnings report for Navistar International Corp (NYSE: NAV), a potential peer of light, medium- and heavy-duty truck or engine makers PACCAR Inc (NASDAQ: PCAR) and Cummins Inc (NYSE: CMI), is scheduled to report earnings after the market closes on Thursday.�Aside from the Navistar International Corp earnings report, it should be said that PACCAR Inc and Cummins Inc both�reported Q1 2014 earnings on April 29th (PCAR reported higher revenues and net income�while CMI hit a�52-week high after a beat and raised guidance). However, Navistar International Corp�has lost market share since 2012 when�US regulators denied approval of a redesigned diesel engine that failed to reduce green house gas levels���forcing the company to turn to�rival Cummins Inc to supply engines as it develops its own catalytic reduction engines to reduce nitrogen oxide emissions.��
- [By Hrvoje Muhek]
Calculation of NAV:
Book Value Adjustment Adjusted Value Cash And Equivalents $698.65 100% $698.65 Accounts Receivable $11.90 102% $12.14 Inventory $186.09 100% $186.09 Prepaid Exp. $46.20 100% $46.20 Net Property, Plant & Equipment $255.60 75% $191.70 Goodwill $25.28 $896 $921.28 Other Intangibles $2.92 $2.92 Deferred Tax Assets, LT $18.30 91% $16.66 Other Long-Term Assets $4.75 100% $4.75 Total assets $1,249.69 $2,080.39 Accounts Payable $12.65 100% $12.65 Accrued Exp. $61.76 100% $61.76 Curr. Income Taxes Payable $0.77 100% $0.77 Unearned Revenue, Current $38.34 100% $38.34 Def. Tax Liability, Non-Curr. $3.98 100% $3.98 Other Non-Current Liabilities $35.52 100% $35.52 Capitalized lease obligations 0 301.12 Value of options outstanding 0 13.845 Total liabilities $153.01 $454.13 Net Asset Value (NAV) $1,096.68 $1,626.26*Goodwill was calculated as 2x SGA for 2013 + existing Goodwill. If anyone was to replicate Lulu's assets, they would have to invest at least two years of SG&A into marketing. This was a conservative estimate not attempting to value the brand equity.
5 Best Consumer Stocks For 2014: Latteno Food Corp (LATF)
Latteno Food Corp. (Latteno), incorporated on August 24, 1994, is engaged in acquiring, organizing, developing and upgrading companies in the international food and beverage market. Latteno is specializing in the dairy industry and coffee industry. The Company operates through its subsidiary in Brazil. On February 10, 2010 Latteno acquired Global Milk Businesses and Administration of Private Properties Ltda. (Global Milk). Global Milk holds the rights of certain intellectual property of the brand name products manufactured and sold under the brand name Teixeira. In March 2013, the Company acquired Green Cannabis Collective Inc.
Latteno is leasing an instant and roasted coffee factory located in Cruzeiro, Sao-Paulo, which was property the Company previously owned under its BDFC Brasil Alimentos Ltda (BDFC) subsidiary. In addition to the lease, the Company has maintained ownership of four brand names, Samba Cafe, Vivenda, Torino and Brazilian Best, used in the past by Latteno to sell its instant and roasted coffee across the world. The Company engaged the service companies to assist with its operations, such as Log-Frio Ltda, SigaSolutions Ltda, Microsiga Ltda and Varistao Transportes Ltda.
The Company competes with Nestle, Companhia Cacique de Cafe Soluvel, Cafe Soluvel Brasilia and Companhia lguacu de Cafe Soluvel.
Advisors' Opinion:- [By James E. Brumley]
A week and a half ago when I suggested Latteno Food Corp. (OTCMKTS:LATF) was an effective way of getting into the medical marijuana craze for anyone who missed the big runups (the first or the second time) from names like Medical Marijuana Inc. (OTCMKTS:MJNA) or Hemp, Inc. (OTCMKTS:HEMP), not many people agreed with my assessment. That's the nice way of saying I received some "colorful counter-opinions" to my bullishness on LATF. Indeed, some readers were downright enraged I would dare compare the company to stocks like MJNA or HEMP, citing reasons ranging from the possibility that it's a complete scam to the possibility that the capital structure as amazingly unfair to current shareholders.
- [By James E. Brumley]
What do you get when you cross a Coffee Holding Co., Inc. (NASDAQ:JVA) with a Medical Marijuana Inc. (OTCMKTS:MJNA) and a Kraft Foods Group Inc. (NASDAQ:KRFT)? No, it's not a setup for a punch line - there's a legitimate answer. And that answer is, Latteno Food Corp. (OTCMKTS:LATF).
5 Best Consumer Stocks For 2014: Sappi Limited(SPP)
Sappi Limited manufactures and sells various pulp, paper, chemical cellulose, and wood products worldwide. It offers coated woodfree paper used for marketing promotions and brochures, catalogues, corporate communications materials, direct mail, textbooks, and magazines; uncoated woodfree paper used for business forms, business stationery, tissue, photocopy paper, books, brochures, and magazines, as well as cut-size, preprint, and office paper; specialty woodfree paper used in bags, labels, and packaging; and release paper for use in textile, automotive, furniture, and engineering film markets. The company also provides packaging paper products, including containerboards, sack kraft, and grocery bags used for primary and secondary packaging of fast moving consumer goods, and agricultural and industrial products. In addition, it offers mechanical newsprint paper used in advertising inserts and newspapers; uncoated mechanical fiber based printing paper used for the printing o f books and advertising inserts; and coated mechanical fiber-based paper used for magazines, catalogues, and advertising material. Further, the company provides pulp products, including paper pulp used in the production of printing, writing, and packaging paper; and chemical cellulose used in the manufacture of various cellulose textile and non-woven fiber products, as well as used in various other cellulose-based applications in the food, film, cigarette, chemical, and pharmaceutical industries. Additionally, Sappi Limited offers sawn timber for construction and furniture manufacturing purposes. Its customers include printers, publishers, corporate end-users, suppliers, and converters. The company was formerly known as South African Pulp and Paper Industries Limited and changed its name to Sappi Limited in 1973. Sappi Limited was founded in 1936 and is headquartered in Johannesburg, South Africa.
Advisors' Opinion:- [By Seth Jayson]
Sappi (NYSE: SPP ) reported earnings on May 9. Here are the numbers you need to know.
The 10-second takeaway
For the quarter ended March 31 (Q2), Sappi beat slightly on revenues and met expectations on earnings per share.
5 Best Consumer Stocks For 2014: HomeServe PLC (HSV)
Homeserve plc is a United Kingdom-based company engaged in the provision of home emergency repairs. The Company operates in five segments: UK, USA, Domeo, Spain, and New Markets. Its products cover plumbing and drains, central heating, ventilation and air conditioning, electrics and household appliances, such as showers and boilers. The Company provides home emergency and repair services to over 4.9 million customers across businesses in the United Kingdom, the United States, France and Spain. It also has developing businesses in Italy, Germany and France. The Company�� subsidiaries include HomeServe Assistance Limited, HomeServe Enterprises Limited, HomeServe International Limited, HomeServe Membership Limited and Reparalia Direct SL. Advisors' Opinion:- [By Sarah Jones]
Homeserve Plc (HSV) climbed 8.1 percent to 265.6 pence. Liberum Capital said the company may attract private-equity buyers after reporting its full-year results. The company may soon complete its discussions with the financial-services regulator about inappropriate sales practices.
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