UnitedHealth forecasts 2013 profit below Wall St view

(Reuters) - UnitedHealth Group Inc , the largest U.S. private health insurer, said on Monday it expects 2013 earnings of $5.25 to $5.50 per share, below analysts' expectations.

The outlook backs up comments the company made in October that analysts' estimates for 2013 were too high due to the weak economy and government efforts to rein in the deficit. At that time, the Wall Street consensus was for earnings of $5.60 per share.

UnitedHealth shares fell 93 cents, or 1.7 percent, to $53.01 in Monday morning New York Stock Exchange trading.

Revenue should be $123 billion to $124 billion next year, higher than the Wall Street target, UnitedHealth said in a statement ahead of a Tuesday meeting with analysts and investors.

Analysts had expected 2013 earnings of $5.58 per share on revenue of $119.12 billion, according to Thomson Reuters I/B/E/S.

"As expected, 2013 guidance seems conservative, but prudently so, as it's a first look at the year and there is still a cloud of uncertainty around the 'fiscal cliff' and debt ceiling issues," Sheryl Skolnick, an analyst at CRT Capital Group, said in a research note.

The fiscal cliff and debt ceiling issues could affect the economy and UnitedHealth's Medicare Advantage government health insurance program for older people, Skolnick said.

UnitedHealth has a history of beating its forecasts, Oppenheimer analyst Michael Wiederhorn said in a research note. He also said it was not immediately clear if the Wall Street consensus outlook for 2013 revenue was comparable and included sales from Brazil's Amil Participacoes SA . UnitedHealth is in the process of buying the Brazilian company for $4.9 billion.

UnitedHealth also reaffirmed its 2012 outlook for earnings of $5.20 to $5.25 per share.

(Reporting by Caroline Humer; Editing by Lisa Von Ahn, Jeffrey Benkoe and John Wallace)

Source: http://news.yahoo.com/unitedhealth-forecasts-2013-profit-below-wall-st-view-132406712--finance.html

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Iran says missile deployment in Turkey would increase tensions

DUBAI (Reuters) - Iran said the deployment of Patriot defense missiles near Turkey's border with Syria would worsen tensions, as fears grow of the Syrian civil war spilling across the region.

Turkey asked NATO for the Patriot system, designed to intercept aircraft or missiles, last week after talks about how to shore up security on its 900-km (560-mile) border.

"The installation of such systems in the region has negative effects and will intensify problems in the region," Iranian parliament speaker Ali Larijani said on returning from a trip to Syria, Lebanon and Turkey on Saturday evening, according to Iranian state news agency IRNA.

Ramin Mehmanparast, Iran's foreign ministry spokesman, told the Iranian Students' News Agency (ISNA) on Sunday that deploying the Patriot system "will not only not help solve the situation in Syria, it will actually make the situation more difficult and complicated as well".

Syria has called Turkey's request for the Patriot missiles "provocative", and Russia said the move could increase risks in the conflict.

Iran has steadfastly supported Syrian President Bashar al-Assad throughout the 20-month-old uprising against his rule.

Turkey's missile request may have riled Damascus because it could be seen as a first step toward implementing a no-fly zone over Syrian airspace.

Syrian rebels have been requesting a no-fly zone to help them hold territory against a government with overwhelming firepower from the air, but most foreign governments are reluctant to get sucked into the conflict.

Turkey fears security on its border may crumble as the Syrian army fights harder to contain the rebels, some of whom have enjoyed sanctuary in Turkey.

Heavy fighting has often erupted along Syria's border with Turkey. Ankara has scrambled fighter jets and returned fire after stray Syrian shells and mortars landed in its territory.

(Reporting by Yeganeh Torbati; editing by Andrew Roche)

Source: http://news.yahoo.com/iran-says-missile-deployment-turkey-increase-tensions-091708975.html

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E-Commerce Spending On Black Friday Tops $1B For The First Time; Amazon Is The Most Visited Retailer

We've seen the reports that Black Friday online sales increased this year, but the numbers are finally in. comScore is reporting that U.S. retail e-commerce spending was $1.042 billion on Black Friday, an increase of 26 percent from Black Friday last year. This is the first time Black Friday sales surpassed $1 billion in online spending, says comScore.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/gzZJo7GbUUU/

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Alabama shooter kills one sheriff's deputy, wounds another

(Reuters) - A man shot and killed one Alabama sheriff's deputy and critically wounded another when they went to his home near Fairhope on a report that he was acting aggressively toward family members, authorities said on Saturday.

The shooter, Michael Jansen, also was killed in the exchange of gunfire on Friday afternoon, the Baldwin County Sheriff's Office said in a statement.

Baldwin County Sheriff Huey Mack told reporters that the deputies responded to a report that Jansen had "been confrontational with some family members" and were speaking with him at his home near Fairhope, about 15 miles southeast of Mobile.

"While the deputies were on scene and talking to the individual, the individual produced a handgun and began firing at the deputies," Mack told reporters.

A third deputy at the scene was not wounded.

The two deputies suffered multiple gunshot wounds and were taken to USA Medical Center in Mobile, where Deputy Scott Ward was pronounced dead and the second deputy, who has not been identified, was listed in critical condition, the sheriff's office said.

Ward served as a sheriff's deputy for 15 years.

"I'm very proud of him, it's a big loss," Mack told reporters. "But he was doing his job and we'll pull together in a time like this and we'll honor his memory by carrying on."

The shooting is being investigated by the Baldwin County Major Crimes Task Force, he said.

(Reporting by Alex Dobuzinskis; Editing by Barbara Goldberg and Vicki Allen)

Source: http://news.yahoo.com/alabama-shooter-kills-one-sheriffs-deputy-wounds-another-164347082.html

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Source: http://www.i4giveu.com/anger/2012/11/24/you-are-able-to-blaine-gabbert-jersey-lose-fat-just-try-these-tips/

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Real estate promoter DeLoache was a Dallas legend back in the day

Dallas has always had its share of colorful real estate entrepreneurs.

Heck, a land speculator who died in the nut house founded the whole town.

Ira P. DeLoache at the Idlewild Ball in 1962.

But few local land jockeys have ever risen to the heights of Ira Pleasant DeLoache.

Born on a North Carolina plantation, DeLoache came to Dallas in 1903 to sell cigarettes.

He married the daughter of a prominent Texas cattleman and by the 1920s was doing real estate in Big D.

In the early years he developed a few buildings in downtown Dallas and along Knox Street near Highland Park.

And in 1924 DeLoache turned one his father-in-law?s ranch properties near Lubbock into the small town of Whiteface.

But DeLoache?s lasting success was the Dallas County town of Preston Hollow.

The area on the north side of Northwest Highway is now home to some of Dallas? most affluent neighborhoods.

Back in DeLoache?s day, it started out as just farmland with few roads and almost no utilities.

DeLoache built his little country real estate office in 1926 at the corner of Preston Road and Northwest Highway and began selling two-acre lots as ?rural home sites.?

By 1939, the area had incorporated as its own separate town.
Preston Hollow lasted as a stand-alone community for only about five years before residents voted to join with the city of Dallas.

But by then Ira DeLoache was already legendary in local real estate circles.

?I remember he wore a vicuna coat and a slouch hat and was charming as he could be,? said Mary Frances Burleson, CEO of Ebby Halliday Realtors which has owned DeLoache?s old Preston Road office since 1964.

Realtor Ebby Halliday remembers seeing DeLoache at the country club.

?He played gin rummy daily in the east room,? said Halliday, who will be 102 early next year. ?He would speed up Northwest Highway and Preston Road in his convertible.?

DeLoache died in 1965 at the age of 86.

DeLoache's old home on Preston Road in Preston Hollow. (DMN archives)

Source: http://bizbeatblog.dallasnews.com/2012/11/real-estate-promoter-deloache-was-a-dallas-legend-back-in-the-day.html/

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How Small Businesses Benefit from Online File Sharing | Training ...

As a small business owner, you may recognize the need to share files with clients, customers, associates and even employees. In the past, FTP has been the preferred method for sharing large files online. Because FTP transfers have been notoriously unreliable, small business owners must rely on other methods to share files and collaborate with colleagues; online file sharing services are quickly becoming the go-to method of storing and sharing information. Here are five benefits of online file sharing for the small business owner:

1.?????? Bounce-Backs are Eliminated

In the past, business owners utilizing FTP as a file sharing resource experienced high amounts of frustration. Transferring large files through FTP can take several minutes. Waiting for a file to send, only to be alerted a few seconds later that it was too large is a common occurrence. Online file sharing eliminates the instance of bounce-back to almost nil.

2.?????? Instant Sharing

Small business owners can share their files in a virtual instant with whomever they choose. Files can be shared via email attachment or weblink, whittling wait times to mere seconds. Instead of emailing large attachments over email, business owners can simply send a weblink to the persons of their choosing. Instead of having to wait hours to begin collaborations or discussions regarding business files, meetings can be conducted in real-time.

3.?????? Increased Security

Online file sharing sites feature security features not found on FTP networks. Users can password protect files, ensuring that only those who are granted permission can view the information. In fact, some sites are so secure that users won?t even know that files exist unless they are given a password by the owner of the file. This type of security can give business owners peace of mind in knowing that their confidential information is kept safe from prying eyes.

4.?????? Increased File Limits

Many FTP networks and email providers have a cap on file sizes. By utilizing online file sharing, business owners can often send single files up to 10 GB in size, rather than the typical 2 GB size limit set by email providers. This can be important for business owners who have large chunks of information to share, including videos and Power Point presentations.

5.?????? Cost-Effectiveness

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Online file sharing services make sense for the small business owner. Increased security, a higher cap on file sizes and cost-effective pricing make online file sharing services the most sensible option. By simply sending a weblink, business owners can be assured that desired recipients will be able to view files quickly, which allows all parties to work more efficiently.

About The Author:

Jaynee Light writes for tech blogs on topics such as how to send large files at http://www.sharefile.com.

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Source: http://www.trainingtampa.com/2012/11/23/how-small-businesses-benefit-from-online-file-sharing/

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