Fines Eat Into LPL's Q2 Earnings

LPL Financial (LPLA) reported Wednesday morning that its net income fell about 4.4% from a year ago to $43.09 million in second-quarter 2014 — mostly related to unforeseen regulatory costs that increased expenses.

Earnings per share remained flat year-over-year at $0.42 per diluted share, or adjusted earnings of $0.61 per share, for the quarter. Analysts polled by Thomson Reuters expected the company to report profit per share of $0.61 for the quarter.

Earnings per share benefited from a net revenue increase of 7.2%, reporting $1.09 billion in second quarter 2014 compared to $1.01 billion in second quarter 2013.

“We are focused on creating a smarter, simpler more personal LPL to drive productivity and efficiency in our expense structure,” LPL Financial’s chief financial officer, Dan Arnold, stated in a press release. “This quarter we continued to make progress implementing this strategy despite the sequential increase in core [general and administrative] expense primarily related to the resolution of regulatory issues. For the year we remain positioned to lower our overall expense growth rate compared to the prior two years while investing in the company.”

The independent broker-dealer’s core general and administrative expenses were $106 million for second quarter 2014, up 26.4% year over year.

Roughly 80% of the regulatory fines were rounding errors in transactions that primarily use paper-based products, said Chairman and CEO Mark Casady during the firm's earnings call Wednesday morning. In an effort to mitigate future regulatory costs, Casady added that the company has grown its legal and compliance department by 41%.

Advisor Results

Advisory and brokerage assets rose 17.3% year-over-year to a record $465.4 billion, which Casady said in a press release was a result of “positive trends in advisor productivity and asset accumulation.”

“In addition, our higher-margin advisory business continued to attract retail assets under custody and expand at a faster pace than our brokerage business, increasing 26% year over year to $167 billion,” added Casady in a press release. “We believe we are strategically positioned to capitalize on the ongoing shift toward fee-based business with our unique fully integrated platform to drive outsized growth.”

Average yearly fees and commissions per rep are about $251,000 vs. $252,000 in the prior period and $241,000 a year earlier. Commissions per rep are about $155,000 for second-quarter 2014.

The company has 13,840 affiliated advisors, up from 13,409 a year ago.

Assets under custody on LPL Financial’s Independent RIA platform grew 56.6% to $78 billion as of June 30. These results represent 282 independent RIA firms, compared with $49.8 billion and 215 independent RIA firms a year ago.

According to LPL, strong investment activity reduced cash sweep balances. The company reported that its average cash sweep balances decreased to $23.4 billion from $23.7 billion a year ago. "Continued growth from deposits was offset primarily by increasing investment activity as investors put cash to work,” the company statement said.

Also, due to “fee compression in bank contracts over the last 12 months and a decline in the federal funds effective rate,” the insured cash account program fee fell to 58 basis points from 76 basis points a year ago.

As a result, revenue generated from the LPL’s cash sweep programs declined 20.1% to $24.8 million in the second quarter of 2014 compared with $31.0 million in the year before.

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Related on ThinkAdvisor:

LPL Financial Earnings Hurt by Costs, Slower Recruiting

Best Life Sciences Companies For 2014

Malaysia's state-owned agri-business conglomerate FELDA is looking to tap growing demand for botanical drugs and treatments with a planned $300 million IPO (Initial Public Offering) of its life sciences unit on the Nasdaq exchange by March 2015, a press release confirmed.

Felda Wellness Corp (IPO-FWCP.O) is a unit of the Federal Land Development Authority of Malaysia (FELDA). The company had for long been thinking about going public and finally announced the listing today. It has chosen to list on the U.S. market for technology and biotech companies because of the country's well developed market for health products and U.S. investors' familiarity with such offerings, they said.

The only other Malaysian firm to have announced a Nasdaq listing is MOL Global Pte Ltd (IPO-MOLL.O), an online payment firm that also owns social networking site Friendster Inc. The company plans to raise $300 million from its U.S. IPO scheduled for this year end. Felda Wellness has been working with a New York-based investment bank with expertise in raising funds for life sciences companies in the United States. Bankers to advice on the deal will be chosen in September after the listing is approved by the FELDA board.

5 Best Regional Bank Stocks To Invest In Right Now: Prima BioMed Ltd (PBMD)

Prima BioMed Ltd is a biotechnology company is engaged in the development and commercialization of medical therapies with a focus on oncology. Its product candidates in development include Cvac, an autologous dendritic cell vaccine for ovarian cancer, monoclonal antibodies for multiple tumour types, and an oral formulation for the human papilloma virus (HPV), vaccine. Its product candidate Cvac is a dendritic cell therapy, for which it is conducting a Phase IIb trial for the treatment of ovarian cancer. Cvac is designed to target the tumour antigen mucin-1, which is expressed at high levels on different tumour types. It also has two preclinical product development programs. In May 2011, Prima BioMed GmbH, a 100 % owned subsidiary of Prima BioMed Ltd, was incorporated in Germany. In May 2011, Prima BioMed Middle East FZLLC, a 100 % owned subsidiary of Prima BioMed Ltd, was incorporated in the United Arab Emirates. Advisors' Opinion:

• [By Monica Gerson]

  Prima Biomed (NASDAQ: PBMD) shares dipped 38.59% to touch a new 52-week low of $1.44 after the company reported top-line analysis of CVac Phase 2 trial.

• [By Monica Gerson]

  Prima Biomed (NASDAQ: PBMD) dropped 38.17% to $1.45 after the company reported top-line analysis of CVac Phase 2 trial.

  Tower Group International (NASDAQ: TWGP) plummeted 24.31% to $10.49. Tower Group announced its plans to release its Q2 results during the week of October 7, 2013. FBR Capital downgraded the stock from Outperform to Market Perform.

• [By Bryan Murphy]

  Were it the first time, or even the second time, it happened, it might be dismissible. A third time though? As they say, the third time is the charm. If the old saying applies in the worlds of small cap stocks (and it usually does), then Prima Biomed Ltd. (NASDAQ:PBMD) just kick-started what could be a trade-worthy rally.

Best Life Sciences Companies For 2014: The Bancorp Inc.(TBBK)

The Bancorp, Inc. operates as the holding company for The Bancorp Bank that provides various commercial and retail banking and related products and services to small and mid-size businesses and their principals. The company?s deposit products include checking accounts, savings accounts, health savings accounts, money market accounts, individual retirement accounts, certificates of deposit, and stored value and payroll cards, as well as commercial accounts, such as general commercial checking, small business checking, business savings, and business money market accounts. Its loan portfolio comprises commercial term loans, commercial mortgage loans, commercial lines of credit, 1-4 family construction loans, direct lease financing, and commercial construction, acquisition, and development loans; and consumer loans comprising loans for consumers to finance personal residences, automobiles, home improvements, and for other purposes. The company also provides other banking serv ices, which include private label banking and merchant card processing services; and Internet banking services. It serves Philadelphia, Delaware, Chester, Montgomery, Bucks, and Lehigh counties in Pennsylvania; New Castle county in Delaware; and Mercer, Burlington, Camden, Ocean, and Cape May counties in New Jersey. The company was founded in 1999 and is based in Wilmington, Delaware.

Advisors' Opinion:

• [By Ben Levisohn]

  The Bancorp (TBBK) plunged 30% to $11.37 this week, earning it the honor of the biggest loser in the Russell 2000. The Bancorp said in a filing that the FDIC had demanded it to more to comply with the Bank Secrecy Act.

Best Life Sciences Companies For 2014: Granite Construction Inc (GVA)

Granite Construction Incorporated (Granite), incorporated on January 24, 1990, is a diversified heavy civil contractors and construction materials producers in the United States. The Company operates in four segments: Construction, Large Project Construction, Construction Materials and Real Estate. The Company operates nationwide, serving both public and private sector clients. Within the public sector, it primarily concentrates on heavy-civil infrastructure projects, including the construction of roads, highways, mass transit facilities, airport infrastructure, bridges, dams and other infrastructure related projects. Within the private sector, it performs site preparation and infrastructure services for residential development, commercial and industrial buildings, and other facilities. The Company owns and leases substantial aggregate reserves and own a number of construction materials processing plants. It also has contractor-owned heavy construction equipment fleets in the United States. In December 2012, it purchased 100% interest of Kenny Construction Company (Kenny).

Construction

Revenue from its Construction segment was approximately 47% of its total revenue during the year ended December 31, 2012. Revenue from its Construction segment is derived from both public and private sector clients. The Construction segment performs various heavy civil construction projects with a large portion of the work focused on new construction and improvement of streets, roads, highways, bridges, site work and other infrastructure projects. These are typically bid-build projects completed within two years.

Large Project Construction

Revenue from its Large Project Construction segment was 41.4% of its total revenue in 2012. The Large Project Construction segment focuses on large, complex infrastructure projects, which typically have a longer duration than its Construction segment work. These projects include major highways, mass transit facilities, bridges, tunn! els, waterway locks and dams, pipelines, canals and airport infrastructure. This segment primarily includes bid-build, design-build and construction management/general contractor contracts. It participates in joint ventures with other construction companies mainly on projects in its Large Project Construction segment. Joint ventures are typically used for large, technically complex projects, including design/build projects, where it is desirable to share risk and resources. Joint venture partners typically provide independently prepared estimates, shared financing and equipment and often bring local knowledge and expertise.

The Company also utilizes the design/build and construction management/general contract methods of project delivery. Under the construction management/general contract method of delivery, it contracts with owners to manage the design phase of the contract with the understanding that it will negotiate a contract on the construction phase when the design nears completion. Revenue from design/build and construction management/general contract projects represented 74.5% of Large Project Construction revenue in 2012.

Construction Materials

Revenue from its Construction Materials segment was 11.1% of its total revenue in 2012. The Construction Materials segment mines and processes aggregates and operates plants that produce construction materials for internal use and for sale to third parties. It has aggregate reserves that it has acquired by ownership in fee or through long-term leases. Aggregate products used in its construction projects represented approximately 42.7% of its tons sold during 2012.

Real Estate

Granite Land Company (GLC) is an investor in a diversified portfolio of land assets and provides real estate services for other Granite operations. GLC�� investment portfolio consists of residential, as well as retail and office site development projects for sale to home and commercial property developers. The range! of its i! nvolvement in an individual project may vary from passive investment to management of land use rights, development, construction, leasing and eventual sale of the project. Generally, GLC has teamed with partners who have local knowledge and expertise in the development of each property. GLC�� investments are located in Washington, California and Texas. Revenue from GLC was 0.2% of its total revenue in 2012.

Advisors' Opinion:

• [By Wallace Witkowski]

  Some of the companies most dependent on government for revenue are Harris Corp. (HRS) �with 80% of revenue government-derived; Granite Construction Inc. (GVA) �with 58%; Flir Systems Inc. (FLIR) �with 54%; and Waste Management Inc. (WM) � and Republic Services Inc. (RSG) �both with 50%, according to Goldman Sachs.

Best Life Sciences Companies For 2014: Compagnie Generale des Etablissements Michelin SCA (ML)

Compagnie Generale des Etablissements Michelin SCA (Michelin SCA) is a France-based company, which is mainly engaged in the manufacture and distribution of tires for a variety of vehicles. In addition, it publishes maps and guides, and offers digital products and services. The Company�� main activity is the production of tires for passenger cars, two-wheeled vehicles, trucks, agricultural equipment and aircraft, among others, which are sold through such distribution divisions as Euromaster in Europe and TCI in the United States. Michelin SCA also offers travel assistance services, including maps and guides, and digital navigation products and services, via ViaMichelin. In addition, the Company produces a number of lifestyle products, such as car and bike accessories, work, sport and leisure gear, and collectibles. The Company is active domestically and abroad. Advisors' Opinion:

• [By Corinne Gretler]

  Michelin & Cie. (ML) increased 2 percent to 70.55 euros after UBS raised Europe�� largest tiremaker to buy from neutral, citing improved cost positions that enable more competitive pricing and higher profits.

Best Life Sciences Companies For 2014: First Trust Exchange Traded Fund (FVL)

First Trust Value Line 100 Fund (the Fund) is a diversified closed-end management investment company. The Fund seeks to outperform the Standard & Poor's 500 Composite Stock Price Index (the S&P 500 Index) by adhering to a strategy of investing in a diversified portfolio of the 100 common stocks ranked number 1 in Value Line's Timeliness Ranking System. The Fund invests 80% of its net assets in the stocks that are ranked number one in the Value Line Timeliness Ranking System. As of March 31, 2006, the Fund had invested in sectors, such as household durables, metals and mining, specialty retail, oil and gas, software, machinery, hotels, restaurants and leisure, computers and peripherals, biotechnology, information technology services, and textiles, apparel and luxury goods.

As of March 31, 2006, the Fund's top 10 holdings were Palm, Inc., United INDL Corp., AAR Corp., Accenture LTD, Citrix Systems, Inc., Cymer Inc., Guess, Inc., Henry Jack & Assoc., Inc., Micrel Inc. and Molecular Devices Corp. The Fund had a large capitalization orientation to its portfolio holdings as of December 31, 2005. As of December 31, 2005, the 100 stocks in the portfolio consisted of large-cap stocks (34), mid-cap stocks (35) and small-cap stocks (31). During the year ended December 31, 2005, the Fund posted a net asset value (NAV) total return of 11.9% and a market value total return of 7.5%. This compared to a gain of 4.8% for the S&P 500 Index. The Fund's investment advisor is First Trust Advisors, L.P.

Advisors' Opinion:

• [By David Trainer]

  First Trust Value Line 100 ETF (FVL) is in the Danger Zone this week. FVL is another example of a supposedly "passive" ETF that purportedly tracks an index but actually resembles an actively managed portfolio. FVL's methodology tracks an index, but it is an index in name only.

• [By David Trainer]

  First Trust Value Line 100 ETF (FVL) is my worst-rated All Cap Blend ETF and Clarity Fund (CLRTX) is my worst-rated All Cap Blend mutual fund. FVL earns my Dangerous rating, while CLRTX gets my Very Dangerous rating.

Best Life Sciences Companies For 2014: Tranzyme Inc.(TZYM)

Tranzyme, Inc., a clinical-stage biopharmaceutical company, engages in the discovery, development, and commercialization of small molecule therapeutics for the treatment of acute and chronic gastrointestinal (GI) motility disorders in the United States and internationally. The company?s clinical product candidates include ulimorelin, an intraveneous ghrelin agonist, which is in the Phase III clinical development stage for the treatment of acute upper GI motility disorders; and TZP-102, an orally-administered ghrelin agonist that has commenced Phase IIb clinical development stage for the treatment of diabetic gastroparesis. Its preclinical product candidates comprise TZP-201, a motilin antagonist for the treatment of various forms of moderate-to-severe diarrhea; and TZP-301, an oral ghrelin antagonist for the treatment of metabolic diseases. The company has strategic collaboration with Bristol-Myers Squibb Company to discover, develop, and commercialize additional novel co mpounds; and a license agreement with Norgine B.V to develop and commercialize ulimorelin in Europe, Australia, New Zealand, the Middle East, and north and South Africa. Tranzyme, Inc. was founded in 1998 and is headquartered in Durham, North Carolina.

Advisors' Opinion:

• [By CRWE]

  Tranzyme Pharma (Nasdaq:TZYM) reported that it has closed the previously announced underwritten registered direct offering of approximately 3.0 million shares of its common stock at a price of $3.85 per share for gross proceeds, including the over-allotment option, of approximately $11.5 million.

Hot Recreation Stocks For 2014

The great marijuana gold rush is in full swing, and investors are scrambling to get their hands on some equity while it's still cheap.

Marijuana industry stocks ��mostly trading over the counter and for fractions of a dollar ��have surged anywhere from 20% to 1,700% the past few weeks, catalyzed by the legalization of recreational weed in Colorado.

The frenzy was inevitable. Businesses have been positioning themselves for years, each trying to be a leader in an industry that is expected to be worth billions of dollars in the coming years.

Marijuana sales reportedly averaged about $1 million per day in the first five days of legalization in Colorado, and policymakers are expecting full-year 2014 sales of about $600 million.

The market in Washington state, which is expected to legalize the retail sale of weed this year, is projected to be at least as large, if not larger. One study cited by the Huffington Post predicts a $10 billion market in the U.S. by 2018.

5 Best Solar Stocks To Buy Right Now: Marine Products Corp (MPX)

Marine Products Corporation (Marine Products), incorporated on August 31, 2000, designs, manufactures and sells recreational fiberglass powerboats in the sportboat, deckboat, cruiser, sport yacht and sport fishing markets. The Company sells its products to a network of 135 domestic and 69 international independent authorized dealers. The Company focuses to remain a manufacturer of recreational powerboats for sale to a range of consumers globally. The Company manufactures Chaparral sterndrive and inboard-powered pleasure boats including H2O Sport and Fish & Ski boats, SSi and SSX Sportboats, Sunesta Sportdecks and Xtreme Tow boats, Signature Cruisers, Premiere Sport Yachts and Robalo outboard sport fishing boats. The Company offers a range of products to the family recreational, cruiser and sport yacht markets through its Chaparral brand, and to the sport fishing market through its Robalo brand.

The Company's products include Chaparral - H2O Sport Series, which is a fiberglass multipurpose runabouts; Chaparral - SSi Wide tech, which is a fiberglass closed deck runabouts; Chaparral - SSX Sportdecks, which is a fiberglass bowrider crossover sportboats; Chaparral - Sunesta Xtreme Tow Boats, which is a fiberglass pleasure boats; Chaparral - Signature Cruisers, which is a fiberglass, accommodation-focused cruisers; Chaparral - Premiere Sport Yacht, which is a fiberglass sport yacht, and Robalo - Sport Fishing Boats, which is a sport fishing boats for freshwater lakes or saltwater use. Domestic sales are made through approximately 74 Chaparral dealers, 16 Robalo dealers and 45 dealers that sell both brands located in markets throughout the United States. Marine Products also has 69 international dealers.

The Company competes with Sea Hunt, Sea Fox, Grady-White, Boston Whaler, Everglades and Parker.

Advisors' Opinion:

• [By Sean Williams]

  Sink or swim
  Sometimes the best short-sale opportunities are small, under-the-radar companies. One that I feel fits the bill perfectly is fiberglass boat maker Marine Products (NYSE: MPX  ) .

• [By Seth Jayson]

  Calling all cash flows
  When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on Marine Products (NYSE: MPX  ) , whose recent revenue and earnings are plotted below.

Hot Recreation Stocks For 2014: MarineMax Inc (HZO)

MarineMax, Inc., incorporated in January 1998, is a recreational boat dealer in the United States. Through 54 retail locations in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Kansas, Maryland, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Rhode Island, Tennessee, and Texas, the Company sells new and used recreational boats, including pleasure and fishing boats. It also sells related marine products, including engines, trailers, parts, and accessories. In addition, the Company provides repair, maintenance, and slip and storage services; it arranges related boat financing, insurance, and extended service contracts; it offers boat and yacht brokerage services, and it operates a yacht charter business. It is also retailer of Sea Ray, Boston Whaler, Bayliner, Cabo, Hatteras, and Meridian recreational boats and yachts, all of which are manufactured by Brunswick Corporation (Brunswick). In March 2013, it acquired Parker Boat Company's retail boat sales and service operations in Orlando and Daytona, Florida.

The Company is a dealer for Hatteras Yachts throughout the state of Florida (excluding the Florida panhandle) and the states of New Jersey, New York, and Texas; the exclusive dealer for Cabo Yachts throughout the states of Florida, New Jersey, and New York; the exclusive dealer for Boston Whaler in many of its markets; the exclusive dealer for Bayliner in many of its markets, and the exclusive dealer for Meridian Yachts in most of its markets. In addition, it is the exclusive dealer for Italy-based Azimut-Benetti Group for Azimut mega-yachts, yachts, and other recreational boats for the Northeast United States from Maryland to Maine and the state of Florida.

New Boat Sales

The Company sells recreational boats, including pleasure boats and fishing boats. The products it offers are manufactured by Brunswick, the manufacturer of recreational boats, including Sea Ray pleasure boats, Boston Whaler fishing boats, Cab! o Yachts, Hatteras Yachts, and Meridian Yachts. During the fiscal year ended September 30, 2011 (fiscal 2011), it derived approximately 48% of its revenue from the sale of new boats manufactured by Brunswick. During fiscal 2011, new boat sales accounted for 60.6% of its revenue. It offers recreational boats in most market segments. Hatteras Yachts and Azimut are two of the premier yacht builders. The motor yacht product lines include designs with live-aboard luxuries. Hatteras offers a flybridge with guest seating; covered aft deck, which may be fully or partially enclosed, providing the boater with additional living space; an elegant salon; and multiple staterooms for accommodations.

Hatteras Yachts and Cabo Yachts are convertible yacht builders and offer designs with live-aboard luxuries. Convertibles are primarily fishing vessels, which are well equipped to meet the needs of even the most serious tournament-class competitor. Hatteras features interiors that offer luxurious salon/galley arrangements, multiple staterooms with private heads, and a cockpit that includes a bait and tackle center, fishbox, and freezer. Cabo is known for spacious cockpits and accessibility to essentials, such as bait chests, livewells, bait prep centers, and tackle lockers.

Sea Ray and Meridian pleasure boats target both the luxury and the family recreational boating markets and come in a range of configurations to suit each customer�� particular recreational boating style. Sea Ray sport yachts and yachts serve the luxury segment of the recreational boating market and include living accommodations with a salon, a fully equipped galley, and multiple staterooms. Sea Ray sport yachts and yachts are available in cabin, bridge cockpit, and cruiser models. Meridian sport yachts and yachts are available in sedan, motoryacht, and pilothouse models.

The fishing boats the Company offers, such as Boston Whaler and Grady White, range from entry level models to advanced models designed for fish! ing and w! ater sports in lakes, bays, and off-shore waters, with cabins with limited live-aboard capability. The fishing boats feature livewells, in-deck fishboxes, rodholders, rigging stations, cockpit coaming pads, and fresh and saltwater washdowns. The ski boats it offers, such as Malibu, Axis, and Nautique by Correct Craft, range from entry level models to advanced models.

Used Boat Sales

The Company sells used versions of the new makes and models it offers and, to a lesser extent, used boats of other makes and models generally taken as trade-ins. During fiscal 2011, used boat sales accounted for 19.0% of its revenue, and 77.1% of the used boats it sold were Brunswick models. It also sells used boats at various marinas and other offsite locations throughout the country. In addition, it offers the Sea Ray Legacy warranty plan available for used Sea Ray boats less than six years old. The Legacy plan applies to each qualifying used Sea Ray boat, which has passed a 48-point inspection, and provides protection against failure of most mechanical parts for up to three years.

Marine Engines, Related Marine Equipment, and Boating Parts and Accessories

The Company offers marine engines and propellers, substantially all of which are manufactured by Mercury Marine, a division of Brunswick. It sells marine engines and propellers primarily to retail customers as replacements for their existing engines or propellers. It also sells a range of marine parts and accessories at its retail locations, at various offsite locations, through its print catalog, and through the Website portal. These marine parts and accessories include marine electronics; dock and anchoring products, such as boat fenders, lines, and anchors; boat covers; trailer parts; water sport accessories, such as tubes, lines, wakeboards, and skies; engine parts; oils; lubricants; steering and control systems; corrosion control products, service products; high-performance accessories, such as propellers and instr! uments, a! nd a complete line of boating accessories, including life jackets, inflatables, and water sports equipment. It also offers novelty items, such as shirts, caps, and license plates bearing the manufacturer�� or dealer�� logos. The sale of marine engines, related marine equipment, and boating parts and accessories accounted for 6.2% of the Company�� during fiscal 2011 revenue.

Maintenance, Repair, and Storage Services

The Company provides maintenance and repair services at most of its retail locations, with extended service hours at certain of its locations. In addition, in many of its markets, it provides mobile maintenance and repair services at the location of the customer�� boat. The Company performs both warranty and non-warranty repair services. It derives the majority of its warranty revenue from Brunswick products. Its maintenance and repair services are performed by manufacturer-trained and certified service technicians. At many of the Company�� locations, it offers boat storage services, including in-water slip storage and inside and outside land storage. Maintenance, repair, and storage services accounted for 8.9% of its revenue during fiscal 2011. This includes warranty and non-warranty services.

F&I Products

At each of the Company�� retail locations, it offers the customers the ability to finance new or used boat purchases and to purchase extended service contracts and arrange insurance coverage, including boat property, credit life, and accident, disability, and casualty insurance coverage (collectively, F&I). The Company also offers third-party extended service contracts under which, for a predetermined price, it provides all designated services pursuant to the service contract guidelines during the contract term at no additional charge to the customer above a deductible. Credit life insurance policies provide for repayment of the boat financing contract if the purchaser dies while the contract is outstanding. Accident an! d disabil! ity insurance policies provide for payment of the monthly contract obligation during any period in which the buyer is disabled. Property and casualty insurance covers loss or damage to the boat.

Brokerage Services

Through employees or subcontractors that are licensed boat or yacht brokers, the Company offers boat or yacht brokerage services at most of its retail locations. It also offers for sale brokered boats or yachts, listing them on various Internet sites, advising its other retail locations, and posting them on its Website, www.MarineMax.com. Its maintenance and repair services, including mobile service, also are generally available to its brokerage customers.

Advisors' Opinion:

• [By John Udovich]

  As we head towards Black Friday, small cap specialty retail stocks United Online, Inc (NASDAQ: UNTD), TravelCenters of America LLC (NYSE: TA) and MarineMax, Inc (NYSE: HZO) have the distinction of being the best performing small cap�specialty retail stocks for this year (according to Finviz.com) with gains of 181.2%, 123.8% and 71.8%, respectively. With those returns in mind, what are these small cap specialty retail stocks doing right and will the performance last through the all important holiday season? Here is what new and existing investors and traders alike need to know or consider:

Hot Recreation Stocks For 2014: Digital Cinema Destinations Corp (DCIN)

Digital Cinema Destinations Corp., incorporated on July 29, 2010, operates eight theatres and 73 screens located in Westfield, New Jersey (Rialto), Cranford, New Jersey (Cranford), Bloomfield, Connecticut (the Bloomfield 8) and five theatres located in central Pennsylvania (Cinema Centers). During the fiscal year ended June 30, 2012 (fiscal 2012), the Company operates eight theatres, two in New Jersey, with a total of 11 screens, one in Connecticut, with a total of 8 screens and five in central Pennsylvania, with a total of 54 screens. In March 2014, the Company announced that it has completed the acquisition of a seven screen theater in Churchville, MD from Flagship Cinemas.

The Rialto is a six-screen theatre located in downtown Westfield, New Jersey, which has a population of approximately 30,000 people. The Bloomfield 8 is an eight-screen theatre located at the Wintonbury Mall in the town of Bloomfield, Connecticut, which is a New England town of over 20,000 people that is home to many sites that are on the National Register of Historic Places and is approximately 5.5 miles from downtown Hartford, Connecticut. Cinema Centers consists of a chain of five theatres with 54 screens located throughout central Pennsylvania. All of the Cinema Centers theatres are in free zones. The 11-screen Cinema Center of Bloomsburg theatre is located in Bloomsburg, Pennsylvania. Bloomsburg, a college town of approximately 13,000 people, is located midway between Wilkes Barre and Williamsport, Pennsylvania. The 12-screen Cinema Center of Camp Hill theatre is located in Camp Hill, Pennsylvania, just outside of Harrisburg, Pennsylvania. Harrisburg is the state capital of Pennsylvania with a population of approximately 50,000 people.

The 10-screen Cinema Center at Fairgrounds Square Mall is located in Reading, Pennsylvania. The Company�� Cinema Centers, had one digital projector, RealD 3D enabled. The 12-screen Cinema Center at Selinsgrove is located in Selinsgove, Pennsylvania. Selinsgrove is ! a historic town located on the Susquehanna River with a population of approximately 27,000 people located within five miles of the theatre. The nine-screen Cinema Center of Williamsport is located in Williamsport, Pennsylvania.

The Company competes with Regal Entertainment Group, AMC Entertainment Inc., Clearview and Cinemark USA, Inc.

Advisors' Opinion:

• [By Erin McCarthy]

  Carmike Cinemas Inc.(CKEC), the nation’s fourth-largest movie theater chain, said Thursday it is acquiring Digital Cinema Destinations Corp.(DCIN), a smaller rival that does business as Digiplex.

Hot Recreation Stocks For 2014: Manchester United PLC (MANU)

Manchester United plc, formerly Manchester United Ltd., incorporated on April 30, 2012, is engaged in the operations of professional sports team. It provides manchester united a platform to generate revenue from multiple sources, including sponsorship, merchandising, product licensing, new media & mobile, broadcasting and matchday. The Company had three principal sectors: Commercial, Broadcasting and Matchday.

Commercial

Within the Commercial revenue sector, the Company had three revenue streams which include sponsorship revenue; retail, merchandising, apparel and product licensing revenue; and new media and mobile revenue. Retail, Merchandising, Apparel and Product Licensing, it markets and sells sports apparel, training and leisure wear and other clothing featuring the Manchester United brand on a global basis. In addition, it also sells other licensed products, from coffee mugs to bed spreads, featuring the Manchester United brand and trademarks. These products are distributed through Manchester United branded retail centers and e-commerce platforms, as well as its partners' wholesale distribution channels.

The Company retails, merchandizes, apparel & product licensing business is managed by Nike, who pays it a minimum guaranteed amount and a share of the business' cumulative profits. It has formed mobile telecom partnerships in 44 countries. In addition, it markets content directly to its followers through its Website, www.manutd.com, and associated mobile properties.

Broadcasting

The Company generates revenue from distribution and broadcasting of live football content. Broadcasting revenue is derived from the global television rights relating to the Premier League, Champions League and other competitions. In addition, its global television channel, MUTV, delivers Manchester United programming to 54 countries around the world. Broadcasting includes all revenue covering domestic and international television and radio rights. Broadc! asting revenue including, in some cases, prize money received by it in respect of the various competitions.

Matchday

The Company generates revenue during the matchday from the Old Trafford, a sports venue.

Other Matchday revenue includes matchday catering, event parking, program sales as well as membership and travel, Manchester United Museum revenue and a share of the ticket revenue from away matches in domestic cup competitions. Matchday revenue also includes revenue from other events hosted at Old Trafford, including other sporting events (including football matches as part of the London 2012 Olympic Games and the annual Rugby Super League Grand Final), music concerts and entertainment events.

Advisors' Opinion:

• [By WWW.GURUFOCUS.COM]

  Manchester United plc (MANU) is an English Premier League professional sports team. The business has three principal segments: Commercial, Broadcasting and Matchday. Soccer is the most popular sport in the world and is now the second most popular sport among the 12-24 age group in the U.S. Manchester United is a global brand, with a proven history of success, having won 12 of the last 20 Premier League Titles. It is the most popular soccer team in the world, with over 600 million fans! The company is positioned to benefit from greater broadcast fees and higher sponsorship and merchandising revenue, generating substantially more cash flow. We think of Manchester United as the most popular television program in the world that has not yet monetized the value of its brand. (Ashim Mehra)

Hot Recreation Stocks For 2014: Nikon Corp (NINOY)

NIKON CORPORATION is a Japan-based company mainly engaged in the manufacture and sale of optical products. The Company is active in four business segments. The Precision Apparatus segment offers semiconductor exposure apparatus and liquid crystal (LC) exposure apparatus. The image segment provides digital cameras, film cameras and interchangeable lens. The Instruments segment offers microscopes, measuring machines and semiconductor inspection equipment. The Others segment provides glass materials, telescopes, glasses and survey airplanes.

As of August 19, 2009, the Company held a 92.17% stake in Metis NV. The Company has 65 subsidiaries and 10 associated companies in the country and overseas markets.

Advisors' Opinion:

• [By Dan Carroll]

  Unfortunately, the yen's impact on stocks has blurred the lines on investments. Look no further than down-on-its-luck camera maker Nikon (NASDAQOTH: NINOY  ) . Nikon's shares gained more than 8% over the past week due to the yen's weakness, as the company rakes in more than a quarter of its sales in Europe. Still, the stock's lost more than 43% year to date.

Best Chemical Companies For 2014

Shares of synthetic biology pioneer Amyris (NASDAQ: AMRS  ) closed Tuesday down 5% and opened today down as much as 8% on news that an investor was bringing a lawsuit against the company with Milberg LLP. Cue the parade of law firms initiating their own class action lawsuits for their piece of the pie. While I do think Amyris management got a little ahead of itself in early projections, I also think this lawsuit is baseless.

The accusations
The lawsuit claims that Amyris and management violated the Securities and Exchange Act of 1934 between April 29, 2011 and Feb. 8, 2012. The company is accused of "making false and misleading statements regarding its ability to sustain commercial production of Biofene." Biofene is the company's renewable form of farnesene, a building-block molecule that can be refined into thousands of value-added chemicals including high-value squalane for cosmetics. And, of course, the share price dropped considerably (otherwise, there would be no lawsuit).

Hot Dividend Stocks To Own For 2015: E.I. du Pont de Nemours and Company(DD)

E. I. du Pont de Nemours and Company operates as a science and technology company worldwide. It operates in seven segments: Agriculture & Nutrition, Electronics & Communications, Performance Chemicals, Performance Coatings, Performance Materials, Safety & Protection, and Pharmaceuticals. The Agriculture & Nutrition segment provides hybrid seed corn and soybean seed, herbicides, fungicides, insecticides, value enhanced grains, and soy protein under the Pioneer brand name. The Electronics & Communications segment supplies materials and systems for photovoltaic products, consumer electronics, displays, and advanced printing. The Performance Chemicals segment offers fluorochemicals, fluoropolymers, specialty and industrial chemicals, and white pigments for various markets, such as plastics and coatings, textiles, mining, pulp and paper, water treatment, and healthcare. The Performance Coatings segment supplies high performance liquid and powder coatings for motor vehicle origi nal equipment manufacturers (OEM); the motor vehicle after-market; and general industrial applications, such as such as coatings for heavy equipment, pipes and appliances, and electrical insulation. The Performance Materials segment provides polymers, elastomers, films, parts, and systems and solutions for the automotive OEM and associated after-market industries, as well as electrical, electronics, packaging, construction, oil, photovoltaics, aerospace, chemical processing, and consumer durable goods. The Safety & Protection segment primarily offers nonwovens, aramids, and solid surfaces for the construction, transportation, communications, industrial chemicals, oil and gas, electric utilities, automotive, manufacturing, defense, homeland security, and safety consulting industries. The Pharmaceuticals segment represents its interest in the collaboration relating to Cozaar/Hyzaar antihypertensive drugs. The company was founded in 1802 and is headquartered in Wilmington, Dela ware.

Advisors' Opinion:

• [By WALLSTCHEATSHEET]

  Monsanto (not DuPont) has shown consistent revenue and earnings growth on an annual basis, it�� more impressive than DuPont in the margins category, debt management is better, and the stock has vastly outperformed DuPont since its IPO. This isn�� to say DuPont�lacks potential, but Monsanto has clearly been a better option. There is little reason to think this will change in the near future.

• [By Sean Williams]

  Shares of chemicals maker DuPont (NYSE: DD  ) delivered strong gains for shareholders, rising 5.3% after Trian Fund Management's Nelson Peltz disclosed that he'd amassed a "big stake" in DuPont, according to CNBC. If the name sounds familiar, that'd be because Peltz also owns significant stakes in PepsiCo.�and Mondelez International, and has been pushing PepsiCo. to make a bid for Mondelez to expand its international snack presence. The thinking here is that Peltz, being a proactive fund manager who seeks to unlock value, could have a trick or two up his sleeve to improve DuPont's lagging share price. We'll have to wait to see if that comes to fruition.

• [By Matt Thalman]

  This past week, eight of the Dow Jones Industrial Average's (DJINDICES: ^DJI  ) 30 components reported earnings: McDonald's, DuPont (NYSE: DD  ) , AT&T, Travelers (NYSE: TRV  ) , United Technologies, Caterpillar (NYSE: CAT  ) , Boeing, and 3M (NYSE: MMM  ) .

Best Chemical Companies For 2014: Passport Potash Inc (PPI)

Passport Potash Inc. is a Canada-based exploration-stage company engaged in the acquisition, exploration and development of mineral resource properties. The Company is engaged in the exploration and development of potash properties. The Company has an interest in or has the right to earn an interest in six properties, Southwest Exploration Property, Twin Buttes Ranch, Sweetwater/American Potash, Mesa Uranium, Ringbolt Property and Fitzgerald Ranch (the Holbrook Basin properties), which are all located in Arizona. The Company has not established any proven or probable reserves on its mineral property interests. The Company's Holbrook Basin project is located seven miles east of Holbrook, Arizona. Advisors' Opinion:

• [By JulieYoung789]

  On Friday, June 13 the Commerce Department released its monthly report on producer prices which is one measure used to gauge the direction of price inflation in the U.S. The May Producer Price Index (PPI) reading showed a decrease of 0.2% seasonally adjusted. The Producer Price Index is a significant market moving news release and the worse than expected results likely had an effect on the market�� downward turn for the week.

Best Chemical Companies For 2014: Airgas Inc.(ARG)

Airgas, Inc., through its subsidiaries, distributes industrial, medical, and specialty gases, as well as hardgoods in the United States. The company offers various gases, including nitrogen, oxygen, argon, helium, and hydrogen; welding and fuel gases, such as acetylene, propylene, and propane; and carbon dioxide, nitrous oxide, ultra high purity grades, special application blends, and process chemicals. Its hardgoods products comprise welding consumables and equipment, safety products, and construction supplies, as well as maintenance, repair, and operating supplies. The company also engages in the rental of gas cylinders, cryogenic liquid containers, bulk storage tanks, tube trailers, and welding and welding related equipment. In addition, the company manufactures and distributes liquid carbon dioxide, dry ice, nitrous oxide, ammonia, refrigerant gases, and atmospheric merchant gases. It serves repair and maintenance, industrial manufacturing, energy and infrastructure co nstruction, medical, petrochemical, food and beverage, retail and wholesale, analytical, utilities, and transportation industries. The company operates an integrated network of approximately 1100 locations, including branches, retail stores, packaged gas fill plants, specialty gas labs, production facilities, and distribution centers. Additionally, it provides retail solutions to retail customers, such as florists, grocers, restaurants and bars, tire and automotive service centers, and others. The company markets its products through multiple sales channels, including branch-based sales representatives, retail stores, strategic customer account programs, telesales, catalogs, e-business, and independent distributors. Airgas, Inc. was founded in 1982 and is based in Radnor, Pennsylvania.

Advisors' Opinion:

• [By Monica Gerson]

  Airgas (NYSE: ARG) is expected to report its Q2 earnings at $1.22 per share on revenue of $1.28 billion.

  The Boeing Company (NYSE: BA) is estimated to report its Q3 earnings at $1.55 per share on revenue of $21.68 billion.

• [By Ben Levisohn]

  The one problem: Air Products & Chemicals valuation. “[Air Products & Chemicals] has generally been at a discount to [Praxair] in the last five years due to its mix and more volatile performance, but closed the gap last year on activist involvement and potential restructuring,” Yang and Amadeo note.�Air Products & Chemicals trades at 21 times 2015 earnings, in line with Airgas’s (ARG) P/E ratio of 21.5 but well above Praxair’s 18.5 times.

Best Chemical Companies For 2014: Lanxess AG (LXS)

Lanxess AG is a Germany-based chemical holding company. Its activities are divided into three main segments. The Performance Polymers segment encompasses the activities of the Lanxess Group in the production of rubber and plastics, and includes Butyl Rubbers, Performance Butadiene Rubbers, Technical Rubber Products and Semi-Crystalline Products business units. The Advanced Intermediates segment is engaged in the development, production and marketing of industrial and fine chemicals and includes Basic Chemicals and Saltigo business units. The Performance Chemicals segment combines the Group's application-oriented activities in the field of process and functional chemicals, and includes Material Protection Products, Inorganic Pigments, Functional Chemicals, Leather, Rhein Chemie, Rubber Chemicals and Ion Exchange Resins business units. The Company operates worldwide through its subsidiaries. Advisors' Opinion:

• [By Sofia Horta e Costa]

  ThyssenKrupp AG (TKA), Germany�� largest steelmaker, rose to a five-week high. YOC AG (YOC) surged the most in more than three months after the mobile-phone advertising company said it sold 1.3 million euros ($1.7 million) of shares to increase capital. Lanxess AG (LXS), the chemical maker that joined the DAX in September, retreated 3.4 percent.

Hot Oil Service Stocks To Own Right Now

With shares of Citigroup (NYSE:C) trading around $48, is C an OUTPERFORM, WAIT AND SEE, or STAY AWAY? Let�� analyze the stock with the relevant sections of our CHEAT SHEET investing framework:

T = Trends for a Stock’s Movement

Citigroup is a global diversified financial services holding company providing consumers, corporations, governments, and institutions with a broad range of financial products and services. It operates in two segments: Citicorp and Citi Holdings. The company�� products and services are: consumer banking and credit, corporate and investment banking, securities brokerage, wealth management, and transaction services to consumers, corporations, governments, and institutions worldwide.

Citigroup said on Friday that it discovered fraudulent loans in its Mexico subsidiary and that its employees may have been in on the crime.�Writing down the loans will reduce the bank’s 2013 net income by $235 million, bringing the previously reported total to $13.91 billion, the bank said in a statement.�Citigroup said it believes at this point that the incident was an isolated episode. The bad loans were made to Oceanografia SA de CV, a Mexican oil services company that is a contractor for the nation’s state-owned oil company, Pemex. Oceanografia is in the middle of a corruption probe in Mexico.�Oceanografia borrowed from Citigroup’s Mexican unit, Banco Nacional de Mexico or Banamex, using expected payments from Pemex as collateral.�Banamex discovered in a recent review that Oceanografia appeared to have falsified invoices to Pemex that were collateral for loans, Citigroup Chief Executive Michael Corbat said in a separate memo to employees. The bank wrote down about $400 million of loans backed by the bogus invoices.

5 Best Canadian Stocks To Own Right Now: U.S. Dollar Index(DX)

Dynex Capital, Inc. operates as a mortgage real estate investment trust (REIT). It invests in residential and commercial mortgage-backed securities issued or guaranteed by a federally chartered corporation, non-agency mortgage-backed securities, and securitized mortgage loans, as well as unsecuritized single-family and commercial mortgage loans. The company finances its investments through a combination of repurchase agreements, and non-recourse collateralized financing, such as securitization financing Dynex Capital, Inc. has qualified as a REIT under the Internal Revenue Code. As a REIT, it would not be subject to federal income tax, provided it distributes at least 90% of its taxable income to its shareholders. The company was founded in 1987 and is based in Glen Allen, Virginia.

Advisors' Opinion:

• [By Eric Volkman]

  Dynex Capital (NYSE: DX  ) is maintaining its dividend. The company on Thursday declared a Q2 common stock distribution of $0.29 per share to be paid on July 31 to shareholders of record as of June 28.

Hot Oil Service Stocks To Own Right Now: PMC - Sierra Inc.(PMCS)

PMC-Sierra, Inc. engages in the design, development, marketing, and support of semiconductor solutions for the enterprise infrastructure and communications infrastructure markets. Its products include controllers based on Fibre Channel, Serial Attached SCSI, and Serial ATA that enable the development of external and server-attached storage systems; framers and mappers, which convert the data into a format for transmission in the network before the data is sent to the next destination; line interface units that transmit and receive signals over a physical medium, such as wire, cable, or fiber; and microprocessor-based system-on-chips, which perform the high-speed computations that help in identifying and controlling the flow of signals and data in various network equipment used in the communications, storage, and enterprise markets. The company also offers packet and cell processors that examine the contents of cells or packets, and perform various management and reporting functions; radio frequency transceivers, which transmit and receive broadband signals over the air; and serializers/deserializers that convert and multiplex traffic between slower speed parallel streams and higher speed serial streams. PMC-Sierra sells its products to end customers directly, as well as through distributors and independent manufacturers? representatives primarily in China, Asia, Japan, Taiwan, Europe, the United States, and the Middle East. The company was founded in 1983 and is based in Santa Clara, California.

Advisors' Opinion:

• [By CRWE]

  PMC (Nasdaq:PMCS), the semiconductor innovator transforming networks that connect, move and store big data, reported that the Company will present at the Citi 2012 Technology Conference on September 5, 2012, in New York, NY.

Hot Oil Service Stocks To Own Right Now: LVMH Moet Hennessy Louis Vuitton SA (LVMH)

LVMH Moet Hennessy Louis Vuitton SA, (LVMH), is a France-based luxury goods company. It owns a portfolio of luxury brands and its business activities are divided into five segments: Wines and Spirits, Fashion and Leather Goods, Perfumes and Cosmetics, Watches and Jewelry, and Selective Retailing. The activities of the wines and spirits sector include the Champagne and Wines branch, and the Cognac and Spirits branch. The Fashion and Leather Goods group includes Louis Vuitton, Kenzo and Rossimoda among others. LVMH is present in the perfume and cosmetics sector through the French Houses Christian Dior and other brands. Watches and Jewelry sells such products as TAG Heuer, Zenith, Dior Watches, Chaumet and Fred, among others. Selective Retailing businesses operate in two segments: travel retail and the seleLVMH ctive retail concepts represented by Sephora and Le Bon Marche. In September 2013, the Company acquired majority stake in Nicholas Kirkwood, a British shoe designer company. Advisors' Opinion:

• [By Holly LaFon]

  TR: It�� a one-off isn�� it? That�� why we said ��what could be the source of new ideas? We��e got Richemont, you have Louis Vuitton Mo毛t Hennessy (LVMH).

• [By Holly LaFon]

  Louis Vuitton (LVMH) is one of the world's leading manufacturers and retailers of luxury apparel. Nearly two years ago, we began to analyze the company. We liked the business model, particularly the growth potential as consumers in emerging markets grow more eager to demonstrate their af铿�ence. We concluded that the company was well-run by a trustworthy management team, but its valuation did not seem very compelling. Louis Vuitton did not appear to be trading at what we felt was enough of a discount to its intrinsic value. Despite this, we did not abandon the idea. For the next 18 months we kept Louis Vuitton on what we call our inventory list. It was an investment we were comfortable making if the right price presented itself. In April, Louis Vuitton shares declined sharply after shareholders were disappointed by their latest earnings announcement, bringing the stock down to a valuation that we felt was attractive. We acted quickly to purchase shares.

Hot Oil Service Stocks To Own Right Now: FirstEnergy Corporation(FE)

Firstenergy Corp. operates as a diversified energy company. The company, through its subsidiaries and affiliates, involves in the generation, transmission, and distribution of electricity, as well as energy management and other energy-related services. It serves approximately 6 million customers within 67,000 square miles through 10 utility operating companies in Ohio, Pennsylvania, New Jersey, West Virginia and Maryland. The company was founded in 1996 and is headquartered in Akron, Ohio.

Advisors' Opinion:

• [By David Dittman]

  FirstEnergy Corp (NYSE: FE) is perhaps the riskiest play among the six stocks listed in the table. FirstEnergy is coming off a 34.5 percent dividend cut announced in January 2014 following a ��horough��study of the company�� businesses. The board concluded that a dividend rate ��ligned��with revenue and earnings generated by regulated operations ��ill provide the best path forward for FirstEnergy.��/p>

Top 10 Beverage Companies To Buy For 2014

On Monday, Green Mountain Coffee Roasters (NASDAQ: GMCR  ) filed a trademark application for a soda maker that looks like it could compete with SodaStream � (NASDAQ: SODA  ) . The Karbon trademark is set to be used for soda making and sparkling beverages, according to the company's filing. The success of Green Mountain's Keurig coffee brewers should give SodaStream pause, and perhaps a reason to re-evaluate the aggressiveness of its marketing.

SodaStream is currently in a comfortable position as the only real name in homemade soda. While other companies have made attempts, none of them have had the clout that Green Mountain could bring to the venture. The move makes sense for Green Mountain, and the long road for SodaStream just got bumpier.

Why Green Mountain would want soda
The beauty of the soda-maker model is that it parallels the company's existing coffee model. There's a countertop machine that uses disposable cartridges, and the company sells the machines at close to cost to make long-term cash off the cartridges. In its last quarter, for instance, Green Mountain earned 79% of its revenue from its single serve packs. Homemade soda is almost the same thing. SodaStream generated 60% of quarterly revenue from consumables last quarter, and that revenue grew 37% year over year.

Top Retail Stocks To Watch For 2015: Montalvo Spirits Inc (TQLA)

Montalvo Spirits Inc., incorporated on November 18, 2010, is a development-stage company. The Company develops, markets and distributes alcoholic beverages with initial offering being the Montalvo Tequila, primarily in the United States. The Company sells its products through a network of spirits distributors, who are licensed to distribute alcoholic beverages throughout the United States. The Company intends to focus on growing the market share of its initial products, the ultra-premium Montalvo line of tequilas, whose expressions include Plata, Reposado, Anejo and Extra-Anejo. The Company owns the Montalvo brand trademark and have exclusive worldwide master distribution rights to the brands.

The Company�� portfolio of alcoholic beverage brands includes additional spirits categories, as well as beer and wine, through additional importation and distribution contracts of existing brands. In addition, the Company may choose to develop new brands or acquire existing companies with their own brand portfolios. The Company�� subsidiary, Casa Montalvo, has an exclusive worldwide distribution agreement with Destilidora Huerta Real, S.A. de C.V., the producers of Montalvo Tequila. Montalvo, an ultra-premium tequila brand, is a handcrafted, formulated tequila produced from blue agave plants from the Lowlands of Jalisco, Mexico. Montalvo is available in four expressions: Plata, Reposado, Anejo and Extra-Anejo.

The Company competes with Diageo PLC, Pernod Ricard S.A., Bacardi Limited, Brown-Forman Corporation, Beam Inc., Remy Cointreau S.A. and Constellation Brands, Inc.

Advisors' Opinion:

• [By CRWE]

  Today, TQLA surged (+10.80%) up +0.042 at $.431 with 1,344,844 shares in play thus far (ref. google finance Delayed: 1:09PM EDT� September 24, 2013).

  Montalvo Spirits, Inc. previously reported they have entered into a sales and marketing agreement with Prestige International Exports, LLC (“Prestige”). Prestige will represent the Montalvo Spirits portfolio brands in certain international markets, as well as provide sales and marketing support for Montalvo Tequila and Broken Heart Gin throughout the state of California, and will assist the Company in attempting to secure distribution in additional markets in the U.S.

Top 10 Beverage Companies To Buy For 2014: Frontier Beverage Company Inc (FBEC)

Frontier Beverage Company, Inc., incorporated on November 18, 2002, is in the business of development, marketing and distribution of New Age/Alternative Beverages and snack products. New Age/Alternative Beverages is an industry categorization for a group of products that include energy drinks/infused water, fruit juices and drinks, dairy and dairy substitutes, and bottled/canned teas. In October 2013, the Company announced that it has acquired holding company 22 Social Club Productions Inc. and its subsidiaries Blue 22 Entertainment.

The Company markets, sells and maintain inventories of Innovative Beverage Group Holdings, Inc. known as UnWind Ultimate Relaxation (UnWind) in Citrus Orange, Goji Grape and Pom Berry flavors in cases of twelve, 12-ounce slim cans. In addition to 12-ounce cans of UnWind, the Company also developed and test marketed a product line known as Bulldozer, which was a concentrated version of the canned UnWind beverage packaged in three-ounce containers. The Company's point-of-sale line includes posters, statics, info cards, suction racks and suction stickers.

Advisors' Opinion:

• [By Peter Graham]

  Small cap stocks Frontier Beverage Company Inc (OTCMKTS: FBEC), IMD Companies Inc (OTCMKTS: ICBU) and Dmh International Incorporated (OTCBB: DMHI) were all mimicking the Titanic last Friday by sinking 41.18%, 32.5% and 28.16%, respectively, last Friday. Moreover, all three of these stocks have been the subject of paid promotions or investor relation campaigns. With the promotions in mind, is it to late to dump these small cap stocks or will this week present a buying opportunity? Here is a closer look:

  Frontier Beverage Company Inc (OTCMKTS: FBEC) Announces Changes and Proposed Plans

  Small cap Frontier Beverage Company is a diversified holding company with the following subsidiaries: 22 Social Club Productions, Blue 22 Entertainment and App Quest LLC. On Friday, Frontier Beverage Company sank 41.18% to $0.005 for a market cap of $93,905 plus FBEC is down 77.5% since last March and down 99.2% over the past five years according to Google Finance.

• [By Peter Graham]

  Small cap stocks Beeston Enterprises Ltd (OTCMKTS: BESE) and HD Retail Solutions Inc (OTCMKTS: HDRE) surged 33.33% and 11.54%, respectively, on Black Friday while Frontier Beverage Company Inc (OTCMKTS: FBEC) sank 18.18%. And while Black Friday might be the most important shopping day of the year for retailers, its probably not a day that sees a lot of action from investors and traders still digesting their Thanksgiving meals (or busy looking for deals at their favorite retailers). So what direction will these three small cap stocks do for investors and traders this week? Here is a closer look to help you decide:

Top 10 Beverage Companies To Buy For 2014: Beam Inc (BEAM)

Beam Inc. (Beam), incorporated on October 1, 1985, is a premium spirits company that makes and sells branded distilled spirits products in markets worldwide. The Company's principal products include bourbon whiskey, tequila, Scotch whisky, Canadian whisky, vodka, cognac, rum, cordials, and ready-to-drink pre-mixed cocktails. The Company's portfolio consists of brands the Company identifies as Power Brands, Rising Stars, Local Jewels and values Creators. The Power Brands are the Company's core brand equities, with global reach in premium categories. Rising Stars are smaller premium brands. Brands identified as Local Jewels act as Power Brands in local markets. Value Creators include a variety of brands. The Company's three reportable segments are the geographic regions, which consists of North America, Europe/Middle East/Africa (EMEA), and Asia-Pacific/South America (APSA). Each segment is engaged in the manufacture and sale of distilled spirits products. In May 2012, the Company acquired the Pinnacle vodka and Calico Jack rum brands and certain related assets (Pinnacle assets) from White Rock Distilleries, Inc. In January 2012, Beam acquired Cooley Distillery plc (Cooley), an Irish whiskey producer.

The Company�� Power Brands include Jim Beam Bourbon, Maker's Mark Bourbon, Sauza Tequila, Courvoisier Cognac, Canadian Club Whisky, Teacher's Scotch and Pinnacle Vodka. Beam�� Rising Stars brand includes Laphroaig Scotch, Knob Creek Bourbon, Basil Hayden's Bourbon, Kilbeggan Irish Whiskey, Cruzan Rum, Hornitos Tequila, Skinnygirl Cocktails and Sourz Liqueurs. The principal markets for the Company's spirits products are the United States, Australia, Germany, Spain, the United Kingdom, and Canada, and the Company continues to invest in emerging markets such as India, Brazil, Mexico, Russia, Central Europe, Asia, and other geographies.

During the year ended December 31, 2012, Power Brands, Rising Stars, and combined Local Jewels/Value Creators (including non-branded sales) repre! sent approximately 60%, 15%, and 25%, respectively, of the Company's net sales. Approximately 55% of its consolidated net sales were generated in the United States (based on country of destination) during 2012. In the United States, the Company sells its products either to wholesale distributors for resale to retail outlets or, in those states that control alcohol sales, to state governments who then sell them to retail customers and consumers. In the Company's other global markets, the Company uses a variety of route-to-market models, including third party distributors, global or regional duty free customers, other spirits producers and its joint ventures with The Edrington Group Ltd.

The Company competes with Bacardi Limited, Brown-Forman Corporation, Constellation Brands, Inc., Davide Campari Milano-S.p.A., Diageo PLC, Pernod Ricard S.A. and Remy Cointreau S.A.

Advisors' Opinion:

• [By Jake L'Ecuyer]

  Beam (NYSE: BEAM) shot up 24.06 percent to $83.08 after the company agreed to be acquired by Suntory Holdings for $83.50 per share in cash.

  Clovis Oncology (NASDAQ: CLVS) was also up, gaining 7.26 percent to $79.35 after the company announced 2014 objectives and financial outlook. The company projected to initiate three global registration studies for CO-1686.

Top 10 Beverage Companies To Buy For 2014: Molson Coors Brewing Company(TAP)

Molson Coors Brewing Company brews, markets, sells, and distributes beer brands. It sells its products in Canada, under the Coors Light, Molson, Rickard's Red, Carling, Pilsner, Keystone Light, Creemore Springs, and Granville Island brands. The company also brews or distributes products under license from third parties, which include Heineken, Amstel Light, Murphy's, Asahi, Asahi Select, Miller Lite, Miller Genuine Draft, Miller Chill, Milwaukee's Best, Milwaukee's Best Dry, and Foster's. In addition, it imports, distributes, and markets the Corona, Coronita, Negra Modelo, and Pacifico brands, through a joint venture agreement with Grupo Modelo. Further, the company sells various brands in the United States, which include Coors Light, Miller Lite, Coors Banquet, Miller Genuine Draft, MGD 64, Miller Chill, Sparks, Miller High Life, Miller High Life Light, Keystone Light, Icehouse, Mickey's, Milwaukee's Best, Milwaukee's Best Light, Old English 800, Blue Moon, Henry Weinhard 's, George Killian's Irish Red, Leinenkugel's, Peroni Nastro Azzurro, Pilsner Urquell, Grolsch, Coors Non-Alcoholic, and Sharp's. Additionally, it sells various brands in the United Kingdom comprising Carling, C2, Coors Light, Worthington's, White Shield, Caffrey's, Kasteel Cru, and Blue Moon, as well as various regional ale brands. The company also sells the Grolsch brands through a joint venture with Royal Grolsch N.V. and the Cobra brands through a joint venture called Cobra Beer Partnership Ltd.; and distributes brands sold under license, including Corona, Coronita, Negra Modelo, Pacfico, Singha, and Magners Draught Cider. In addition, it markets and sells Zima, Si'hai, Coors Gold, and Coors Extra brands to various international markets. The company was formerly known as Adolph Coors Company and changed its name to Molson Coors Brewing Company as a result of its merger with Molson Inc. in February 2005. Molson Coors Brewing Company was founded in 1873 and is headquartere d in Denver, Colorado.

Advisors' Opinion:

• [By Dan Caplinger]

  4 (tie). Colorado
  Colorado's beer excise taxes also come in at $0.08 per gallon, perhaps reflecting the importance of the Coors brand of Molson Coors (NYSE: TAP  ) to the state's overall economy. That's a trend you'll see elsewhere on the list, as well as with Massachusetts, which just barely missed the list at No. 7 and provides the headquarters for craft-brew specialist Boston Beer (NYSE: SAM  ) . Per-capita beer consumption of 30.9 gallons per year leaves Colorado at No. 20 nationwide.

Top 10 Beverage Companies To Buy For 2014: Alkaline Water Company Inc (WTER)

The Alkaline Water Company Inc., formerly Global Lines Inc, incorporated on June 6, 2011, is a developer of electrolysis beverage process, packaged and branded as Alkaline84. Alkaline84 is the Company's flagship product designed to encourage daily consumption of Alkaline Water through a consumer oriented bulk delivery system. The Company is engaged in the development of a national retail bulk distribution network delivering Electrochemically Activated Water (ECA) to consumers everywhere. The Company is focused on the business of distributing and marketing the retail sale of its packaged Alkaline84 branded beverage products.

Alkaline84 is available in two sizes: three liters and one gallon. Alkaline84 is a pH balanced bottled alkaline drinking water enhanced with 84 trace minerals and electrolytes. Alkaline84 is available for consumer sales at a number of major retail locations across the southwestern United States.

Advisors' Opinion:

• [By Bryan Murphy]

  If you've lost count of how many distributors Alkaline Water Company Inc. (OTCBB:WTER) has working for it now, you're not alone. Ditto for the number of grocers that are offering its flagship produce... one-gallon bottles of Alkaline84 water (some of the best-tasting and healthiest spring water you could ever drink). So many distributors and grocery store chains have just started carrying Alkaline84 within the past two months that it's been nearly impossible to keep up with how quickly WTER has gotten its ball rolling. There is one thing that's clear though - Alkaline Water Company has a LOT of momentum right now, up from none at the beginning of July. Take a look at all the doors the company has opened since it actually began marketing its bottled water:

• [By CRWE]

  Today, WTER has shed (-4.26%) down -0.020 at $.450 with 2,336,294 shares in play thus far (ref. google finance Delayed: 1:28PM EDT September 17, 2013).

  The Alkaline Water Company Inc. previously reported that Ms. Brande Roderick has agreed to join the Company’s Advisory Board and will undertake an active role in upcoming public relations and awareness campaigns.

• [By John Udovich]

  Small cap Sodastream International Ltd (NASDAQ: SODA), an Israeli based developer, manufacturer and marketer of�home beverage carbonation systems, has attracted its share of hype over both its products and its stock, but could other small cap water stocks like Primo Water Corporation (NASDAQ: PRMW), Puresafe Water Systems Inc (OTCMKTS: PSWS) and Alkaline Water Company Inc (OTCBB: WTER) attract a similar following? After all, Sodastream International has managed to create a significant amount of buzz from consumers, investors and even short sellers because it�� the�world's largest manufacturer, distributor and marketer of home carbonation systems as its�brands are sold in over 60,000 retail stores in 45 countries. Sodastream International is also up 45.7% since the start of the year, up 70.2% over the past year and up 99.3% since November 2010, but shares did spike up to the $75 level in the middle of 2011 and now trade at the $63 level.

Top 10 Beverage Companies To Buy For 2014: WhiteWave Foods Co (WWAV)

WWF Operating Company, incorporated on March 14, 1988, is a consumer packaged food and beverage company. The Company manufactures, markets, distributes, and sells plant-based foods and beverages, coffee creamers and beverages, and dairy products throughout North America and Europe. The Company operates in two segments: North America and Europe. The North America segment offers products in the plant-based foods and beverages, coffee creamers and beverages, and dairy product categories throughout North America. Europe segment offers plant-based food and beverage products throughout Europe. The Company is a wholly owned subsidiary of Dean Foods Company (Dean Foods).

The Company�� brands distributed in North America include Silk plant-based foods and beverages, International Delight and LAND O LAKES coffee creamers and beverages, and Horizon Organic dairy products, while its European brands of plant-based foods and beverages include Alpro and Provamel. The Company sell its products to a variety of customers, including grocery stores, mass merchandisers, club stores, and convenience stores, as well as various away-from-home channels, including restaurants and foodservice outlets, across North America and Europe. The Company sells its products in North America and Europe primarily through its direct sales force and independent brokers. The Company utilizes five manufacturing plants, two distribution centers, and three co-packers across the United States. Additionally, it has four plants across Europe in the United Kingdom, Belgium, France, and the Netherlands, each supported by an integrated supply chain.

Advisors' Opinion:

• [By John Maxfield]

  Meanwhile, the worst-performing stock on the index was Dean Foods (NYSE: DF  ) , which lost more than half of its value. This otherwise disturbing performance followed the company's spinoff of its organic-foods division, WhiteWave Foods (NYSE: WWAV  ) . As fellow Fool Rich Duprey covered here, each Dean Foods shareholder received 0.25544448 shares of WhiteWave class A stock and 0.36380189 shares of its class B stock for every share of Dean Foods.

• [By , Zacks Investment Research]

  Here are five�stocks that made it through this week’s screen:

  AmTrust Financial (AFSI) Allied World Assurance (AWH) Chatham Lodging Trust (CLDT) Federated National Holding Co. (FNHC) Whitewave Foods (WWAV)

  Get the rest of the stocks on this list and start screening for these companies on your own.

Top 10 Beverage Companies To Buy For 2014: MOJO Organics Inc (MOJO)

MOJO Organics, Inc., incorporated on August 2, 2007, engages in product development, production, marketing and distribution of CHIQUITA TROPICALS. CHIQUITA TROPICALS are a 100% fruit juice, produced under license agreement from Chiquita Brands. The Company�� product flavors include Banana Strawberry, Mango, Passion Fruit, and Pineapple.

The Company�� juices are produced without preservatives and without added sugar. The Company produces and packages the CHIQUITA TROPICALS products through production facilities and services on a contract basis.

The Company competes with The Coca-Cola Company and PepsiCo, Inc.

Advisors' Opinion:

• [By Lisa Levin]

  Catalog & Mail Order Houses: The industry gained 1.13% by 10:15 am. The top performer in this industry was Mojo Organics (OTC: MOJO), which gained 6.6%. Mojo Organics shares have jumped 361.54% over the past 52 weeks, while the S&P 500 index has gained 16.18% in the same period.

Top Warren Buffett Stocks To Buy Right Now

Top Warren Buffett Stocks To Buy Right Now: Smithfield Foods Inc.(SFD)

Smithfield Foods, Inc., together with its subsidiaries, engages in the production and marketing of fresh meat and packaged meats products in the United States and internationally. The company involves in the production of hog; and produces various fresh pork, beef, poultry, and packaged meats products. It sells fresh pork to retail customers as unprocessed and trimmed cuts, such as butts, loins, picnics, and ribs; packaged meats products, including smoked and boiled hams, bacon, sausage, hot dogs, and deli and luncheon meats; specialty products, such as pepperoni and dry meat products; and ready-to-eat prepared foods comprising pre-cooked entrees, and pre-cooked bacon and sausages. The company offers its products to supermarket chains; wholesale distributors; the foodservice industry, including fast food, restaurant and hotel chains, hospitals, and other institutional customers; export markets; and other further processors. It sells its products through its salespersons an d independent commission brokers. Smithfield Foods, Inc. was founded in 1961 and is headquartered in Smithfield, Virginia.

Advisors' Opinion:

• [By Chris Hill]

  On Wednesday, Shuanghui International Holdings reached an agreement to buy Smithfield Foods (NYSE: SFD  ) for $4.7 billion. Smithfield Foods is the world's largest pork producer. The deal is the largest ever purchase of a U.S. company by a Chinese firm. In this installment of Motley Fool Money, our analysts discuss what it means for investors.

source from Top Penny Stocks For 2015:http://www.topstocksforum.com/top-warren-buffett-stocks-to-buy-right-now.html

Top 10 Warren Buffett Stocks To Own Right Now

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Best Japanese Stocks To Invest In 2015: Deckers Outdoor Corporation(DECK)

Deckers Outdoor Corporation engages in the design, manufacture, and marketing of footwear and accessories for outdoor activities and casual lifestyle use to men, women, and children. The company offers luxury footwear and accessories under the UGG brand name; high performance multi-sport shoes, rugged outdoor footwear, and sport sandals under the Teva brand name; casual and sustainable-lifestyle sneakers and accessories under the Simple brand name; casual footwear under the TSUBO brand name; and outdoor performance and lifestyle footwear under the Ahnu brand name. Its accessories include handbags and cold weather outerwear. The company sells its products primarily to specialty retailers, department stores, outdoor retailers, sporting goods retailers, shoe stores, and online retailers. Deckers Outdoor Corporation also sells its products directly to end-user consumers through its Web sites, call centers, retail concept stores, and retail outlet stores, as well as through ret ailers in the United States. In addition, the company distributes its products through independent distributors and retailers in Europe, Canada, Australia, Asia, and Latin America. It has a joint venture with Stella International Holdings Limited for the opening of retail stores and wholesale distribution for the UGG brand in China. Deckers Outdoor Corporation was founded in 1973 and is headquartered in Goleta, California.

Advisors' Opinion:

• [By Sean Williams]

  Constantly changing fashion styles also require continued innovation to keep customers loyal. Deckers Outdoor (NASDAQ: DECK  ) , the company behind the Ugg brand, has struggled in recent quarters as sheepskin costs have risen and its styles haven't clicked with younger consumers as well as they had in the past.

Top 10 Warren Buffett Stocks To Own Right Now: Monster Worldwide Inc. (MWW)

Monster Worldwide, Inc., together with its subsidiaries, provides online and mobile employment solutions worldwide. It offers customized solutions and technologies across a range of public and private sectors. The company utilizes the Web, mobile apps, and social media to connect employers with job seekers at all levels in the Americas, Europe, and Asia. Its services and solutions include searchable job postings, resume database access, recruitment media solutions, and other career-related content. Monster Worldwide, Inc. also facilitates jobseekers to search job postings and post their resumes on its career Websites; and employers and human resources companies to advertise jobs, search its resume database, and utilize career site hosting and other services, such as recruitment media. The company provides solutions and technology to simplify the hiring process for employers; and work-related content, services, and advice for job seekers. It serves individuals, small and me dium-sized organizations, enterprise organizations, and educational institutions; and federal, state, and local government agencies through a field sales force, telephone sales force, and an online service. The company was founded in 1967 and is headquartered in New York, New York.

Advisors' Opinion:

• [By Jeff Reeves]

  Unlike blanket sites like HotJobs from Yahoo (YHOO) or Monster Worldwide (MWW), Dice is compartmentalized with properties that includes tech portal Slashdot, oil and gas site Rigzone and finance site eFinancial Careers and medical career site Health Callings.

Top 10 Warren Buffett Stocks To Own Right Now: American Railcar Industries Inc.(ARII)

American Railcar Industries, Inc. designs, manufactures, and sells hopper and tank railcars in North America. Its Manufacturing Operations segment manufactures general service and specialty hopper railcars that are used to transport, load, and unload grains, cement, plastic pallets, and bulk products, as well as to transport heavy ore mineral loads; and non-pressure and high pressure tank railcars used to handle various commodities, including petroleum products, ethanol, asphalt, vegetable oil, corn syrup, other food products, chlorine, anhydrous ammonia, liquid propane, and butane. This segment also manufactures custom and standard railcar components that comprise tank railcar components and valves, tank heads, discharge outlets for hopper railcars, manway covers and valve body castings, outlet components and running boards for industrial and railroad customers, and hitches for the intermodal market; and aluminum and special alloy steel castings for the trucking, construc tion, mining, and oil and gas exploration markets, as well as finished machined aluminum castings and other custom machined products. The company?s Railcar Services segment provides repair and refurbishment services that include full cleaning, interior and exterior coating, heavy repair/rebuilding, and non-destructive testing; engineering services, such as failure analysis, retrofit drawings, procedure preparation, regulatory compliance assistance, trouble shooting, and railcar inspections; and fleet management services comprising maintenance planning, project management, tracking and tracing, regulatory compliance, mileage audit, rolling stock taxes, and online service access. It sells its products through catalogs and sales force to leasing, industrial, and other non-rail companies, as well as to railroads. The company was founded in 1988 and is headquartered in St. Charles, Missouri. As of January 15, 2010, American Railcar Industries, Inc. operates as subsidiary of Icah n Enterprises L.P.

Advisors' Opinion:

• [By Seth Jayson]

  Calling all cash flows
  When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on American Railcar Industries (Nasdaq: ARII  ) , whose recent revenue and earnings are plotted below.

• [By Seth Jayson]

  Calling all cash flows
  When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on American Railcar Industries (Nasdaq: ARII  ) , whose recent revenue and earnings are plotted below.

• [By Dan Caplinger]

  Finally, Greenbrier (NYSE: GBX  ) fell more than 4% after beating earnings estimates, but falling well short on overall sales. The railroad-services company said that deliveries fell 27% during the quarter, leading to a decline in revenue of nearly 8%. Perhaps, more importantly, Greenbrier shareholders seemed dissatisfied with the way the company has moved forward after rejecting a merger bid with American Railcar Industries (NASDAQ: ARII  ) that activist investor Carl Icahn had tried to broker. Even with expectations of better sales ahead and a cheap valuation, Greenbrier can't seem to inspire confidence among investors.

Top 10 Warren Buffett Stocks To Own Right Now: Genpact Limited (G)

Genpact Limited provides business process management and information technology services worldwide. It offers finance and accounting services, including accounts payable services, payment and inquiry management, order to cash services, preparation of financial statements, closing and reporting, cash management, treasury, cash flow analysis, tax return preparation, financial planning and analysis, governance, and internal controls services. The company also provides smart decision services, such analytics and research; business consulting and enterprise risk consulting services comprising internal audit, compliance advisory, regulatory advisory, enterprise, IT, and fraud risk management services; and re-engineering services. In addition, it offers supply chain and procurement services consisting of direct and indirect sourcing and procurement, demand forecasting and management, engineering, inventory optimization and planning, fleet and logistics, and aftermarket services. Further, the company provides enterprise application services comprising enterprise resource planning, supply chain management, financial management and customer relationship management solutions, and securities trading and accounting services, as well as testing, database administration, and architecture services; IT management services, including onsite and remote monitoring, management and support of the IT functions, and IT infrastructures; and collections and customer services in the areas of consumer finance, commercial finance, and mortgage services. It primarily serves banking and insurance, capital markets, consumer goods and retail, life sciences, infrastructure, manufacturing and services, and healthcare industries. Genpact Limited has a strategic partnership with Research Now. The company was founded in 1997 and is based in Hamilton, Bermuda.

Advisors' Opinion:

• [By gurujx]

  Genpact Ltd. (G): CFO Mohit Bhatia Sold 148,036 Shares

  CFO Mohit Bhatia sold 148,036 shares of G stock on 11/19/2013 at the average price of $18.06. Mohit Bhatia owns at least 41,585 shares after this. The price of the stock has decreased by 0.22% since.

• [By Jake L'Ecuyer]

  Equities Trading DOWN
  Shares of Genpact (NYSE: G) were down 17.82 percent to $14.16 after the company issued a downbeat FY14 revenue forecast.

• [By Victor Selva]

  Dividend growth rate (g)

  The sustainable growth rate is the rate at which earnings and dividends can grow indefinitely assuming that the firm麓s debt-to-equity ratio is unchanged and it doesn麓t issue new equity.

• [By Damian Illia]

  Dividend growth rate (g)

  The sustainable growth rate is the rate at which earnings and dividends can grow indefinitely assuming that the firm's debt-to-equity ratio is unchanged and it doesn't issue new equity.

Top 10 Warren Buffett Stocks To Own Right Now: LightInTheBox Holding Co Ltd (LITB)

Lightinthebox Holding Co., Ltd., incorporated on March 2008, is a global online retail company that delivers products directly to consumers globally. The Company offers a selection of lifestyle products through www.lightinthebox.com, www.miniinthebox.com and other Websites, which are available in 17 languages. It targets lifestyle product categories. It offers products in the three core categories of apparel, small accessories and gadgets and home and garden. As of December 31, 2012, the Company had more than 205,000 product listings. It primarily conducts its operations through its Hong Kong subsidiary, Light In The Box Limited and its Peoples Republic of China subsidiary, Lanting Jishi. In January 2014, the Company acquired Seattle-based social e-commerce company, Ador, Inc.

It operates its business from mainland China and Hong Kong but has delivered its products to consumers in over 200 countries and territories. During the year ended December 31, 2012, it derived 50.7% of its net revenues from Europe and North America, respectively. The Company offers customized products, such as wedding dress and evening dress, at scale for optimal marketing, merchandising and fulfillment. As of December 31, 2012, it offered its Website was available in English, French, Spanish, German, Italian, Portuguese, Russian, Dutch, Danish, Norwegian, Japanese, Swedish, Korean, Hebrew and Finnish.

The Company�� product offerings include apparel, small accessories and gadgets, home and garden, electronics and communication devices, and others. Apparel includes customized, special occasion apparel, such as wedding dresses, bridesmaid dresses, groom wear, cocktail dresses, formal evening wear, graduation dresses and accessories. It also includes fast fashion, namely women's apparel that represents the latest fashion trends, under its Three Seasons / TS brand. Small accessories and gadgets category includes video game accessories, tablet computer and computer gadgets, electronics gadgets, electronic! s accessories such as electronic cables, headsets and chargers and home theater system accessories, car accessories, cell phone accessories, flashlights, lights, home and office gadgets, batteries, gifts and party supplies, toys and travel kits. Small accessories and gadgets are predominantly offered through its Website, www.miniinthebox.com.

Home and garden category includes faucets (including its own Sprinkle brand of faucets), lighting fixtures, paintings, portable home appliances, bathroom fixtures, door and window fixtures and certain types of furniture. Electronics and communication devices category includes tablet computers, car electronics, security systems, portable music and digital video disk (DVD) players, projectors, cell phones, short-wave radios, virtual display glasses and music player sunglasses. Other category includes beauty products, such as make-up supplies, wigs, footbaths, and ultrasonic cleaners. It also includes sports and outdoors products.

Advisors' Opinion:

• [By Lisa Levin]

  LightInTheBox Holding Co (NYSE: LITB) shares tumbled 1.95% to reach a new 52-week low of $9.05. LightInTheBox's trailing-twelve-month profit margin is 1.30%.

Top 10 Warren Buffett Stocks To Own Right Now: United Community Banks Inc. (UCBI)

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides retail and corporate banking services to individuals and small to mid-size businesses. It offers various deposit accounts, such as checking accounts, savings and time deposits, demand deposits, non-interest bearing deposits, NOW accounts, and money market accounts. The company�s loan portfolio comprises commercial loans secured by real estate, commercial and industrial loans, commercial construction loans, residential construction and mortgage loans, and consumer installment loans. It also offers wire transfers, brokerage services, and other financial services; and ATM, telephone, and online banking services. In addition, the company acts as an insurance agency, as well as provides retail brokerage services through an affiliation with a third party broker/dealer. As of March 25, 2013, it operated 103 banking offices in north Georgia, the Atlanta region, coastal Georgi a, western North Carolina, east Tennessee, and northwest South Carolina. The company was founded in 1950 and is headquartered in Blairsville, Georgia.

Advisors' Opinion:

• [By Louis Navellier]

  United Community Banks (UCBI) has 106 branches in Georgia, North Carolina and Tennessee. The bank has seen continual credit improvements and a recovering economy drive 100% earnings gains this year. The bank is one of the few seeing strong loan growth, and business is so good that UCBI paid back its TARP obligations without needing to issue new equity. This cheap stock was upgraded to an ����last July and at the current price. The P/E ratio right now is just 5.

Top 10 Warren Buffett Stocks To Own Right Now: H&Q Life Sciences Investors (HQL)

H&Q Life Sciences Investors (the Fund) is a diversified, closed-end management investment company. The Fund's investment objective is long-term capital appreciation through investment in life science companies (including biotechnology, pharmaceutical, diagnostics, managed healthcare and medical equipment, hospitals, healthcare information technology and services, devices and supplies) agriculture and environmental management. The Fund invests primarily in securities of public and private companies.

The Fund may invest in venture capital and other restricted securities if these securities would comprise 40% or less of net assets. The Fund may purchase and sell (or write) put or call options on any security in which it is permitted to invest. It may purchase and sell (write) options on stock indices (index options). H&Q Life Sciences Investors��investment advisor is Hambrecht & Quist Capital Management, LLC.

Advisors' Opinion:

• [By Nate Pile]

  This recommended fund��ambrecht & Quist Life Sciences Fund (HQL)��as also our top pick last year, and the fund rose 44% in 2013.

  In addition to rising in value, the fund has a dividend policy of paying out 2% of its net asset value of each quarter.

• [By Harry Domash, Publisher, DividendDetective and Winning Investing]

  Harry Domash: Yeah, in fact, H&Q Life Sciences, ticker (HQL), is actually a closed-end fund, but it invests entirely in biotech and pharmaceutical companies, and if you look around the world, the investing stocks right now—besides the social media stocks—that's really the one area that has had a lot of recent growth and we expect that to continue.

  I think the closed-end fund, and we'll get into that maybe a little bit later, but closed-end funds are a good way to cover it, when you're talking about a sector like that.

  Johnson & Johnson is an interesting case, because, as you know, Johnson & Johnson is a big company that invests, and that owns a lot of different companies itself in the medical field.

  You know, it owns hundreds of operating companies and it's primarily in the pharmaceuticals, and medical devices, and in consumer products, but Johnson & Johnson was a mismanaged company for a while and they were really underperforming their peers.

  In fact, some of their factories were closed, their pharmaceutical production factories were forcibly closed by the government because they didn't meet standards, but they were taken over by a new CEO a few years ago, two or three years ago, and now things are improving, so Johnson & Johnson is kind of coming from down and out to being a leading company again.

  They've got a lot of products, cancer-type products, and things on the pipeline and it just seems like things are going very well so we have hopes that Johnson & Johnson has reported the last two quarters are the first ones that have really been decent, they really showed growth, and then we expect that to accelerate so we're pretty hot on Johnson & Johnson now.

  Steve Halpern: One particularly interesting portfolio that you maintain that I haven't seen anywhere else is based on closed-end funds that pay monthly dividends&mdash