Once upon a time, Microsoft Office for iPad was was hailed as the office suite that would make Apple's tablet a worthy work product for professionals. And now, years after the device's first appearance, it appears (via a report from ZDNet), that we may get it after all. The big question, of course, is if it's too late to matter.
According to ZDNet, we may see Office for iPad before we even see the "touch first" version designed for Windows tablets. That's a big switch from what we heard last October, when former Microsoft CEO Steve Ballmer said the "iPad will be picked up when...there's a touch-first user interface."
Image of CloudOn via Cnet
In the words of ZDNet's Mary Jo Foley, "According to one of my contacts, Ballmer OK'd the suggestion by the Office team that they'd bring Office for iPad to market as soon as it was ready, even though that would likely mean before the Windows 8 version. I'm hearing that new date for Office for iPad is some time in the first half of calendar 2014. (My sources last summer were hearing Office for iPad wouldn't debut until Fall 2014.)"
ZDNet wasn't able to learn how we'll be able to get our hands on Office for iPad. In all likelihood, much as with the disappointing Office Mobile app that Microsoft announced last year, it'll require a subscription to Office 365 and it'll probably store documents in the cloud with Microsoft's OneDrive service.
Unfortunately for Microsoft, unless a company needs Office for specific features (such as Track Changes, which always seems a little wonky in iOS-based competitors), plenty of iOS-based office suites--including Apple's own iWork--have stepped in to fill the gap since 2010. It'll thus be interesting to see if the new product launches with a bang or a whimper.
Follow this article's writer, Leif Johnson, on Twitter.
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On the surface, Paper looks a lot like what might have happened had Facebook invented Flipboard before Flipboard got the chance, and then slapped on a moniker rather too similar to an existing hugely popular (but entirely different) iOS app. Move beyond the snark, though, and you realize something surprising: Paper makes using Facebook almost pleasurable again.
Facebook on desktop ceased to be fun a long time ago, and even the once-streamlined mobile app is increasingly full of cruft. The idea with Paper appears to be to strip everything back, bring stories to the fore, and turn the Facebook experience into a kind of edited newspaper.
The screen is split in half: the top is filled with bold images, and a scrollable feed runs underneath. Tapping a story zooms it to full-screen, which is just as well given the eye-squintingly tiny text in the feed. You can then tap a link to open the story in a full-screen browser; a share button at the bottom-right provides options to share the story, copy its link, open the page in Safari, or send the content to a user-defined read-later service.
By default, your own Facebook feed is loaded, but you can add broadly defined sections (“Tech,” “Planet,” “Pop Life,” and so on) full of stories picked by editors. Everyone sees the same thing, thus Paper lacks the granularity of Flipboard. There’s no means to define a single Facebook user or publication as a section, for example, but the no-nonsense approach means that the app is simple to set up and browse. Standard Facebook notifications and messages are also accessible from within the app.
The design perhaps needs to settle down a bit — it’s largely intuitive, but very reliant on gestures. These sometimes clash with iOS 7, and horizontal swipes on the large images at the top of the screen perform different actions depending on context. We expected them to navigate through big photos, but on the main feed they switch sections, and in a single person/organization’s Facebook feed, they navigate the timeline on a month-by-month basis. Also, whoever decided people would want to "explore" high-res images by tilting a device around like a crazy person needs someone to give them a very stern look.
The bottom line. Minor grumbles aside, Paper is a good start to Facebook’s news-oriented ambitions. Flipboard is still a better bet for browsing a set of articles you’ve carefully curated yourself, but Paper’s simpler to get started with, focused, and pretty great for browsing Facebook itself.
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Whether your current-generation has Flappy Bird installed or not (see previous story), if it happens to be unlocked, that device is worth some cold, hard cash overseas, particularly in Brazil and Italy.
BloombergBusinessweek reported Thursday that Apple's unlocked iPhone models are becoming big business for entrepreneurial types willing to bring them overseas, where they can fetch upwards of nearly $1200.
The report outlines how one such traveler stumbled upon a goldmine after picking up an unlocked gold 32GB iPhone 5s for an employee in Italy, which cost the reporter $815 with tax but netted them roughly $1,130 worth of services in trade -- an immediate (and apparently tax-free) savings of $315.
As it turns out, others who frequently jet overseas for work are doing the same, particularly when the destination country is one of the 10 most lucrative: Brazil, Jordan, Turkey, Romania, Greece, Hungary, Malta, Italy, Denmark and France.
Although Apple won't comment on this phenomenon on the record, it appears they may actually be okay with such black market sales -- especially if it helps inflate their own cash coffers.
While the company's retail stores notoriously block the sale of unlocked iPhones during a new product launch when inventory is scarce, wait a couple of months and customers can walk in and buy nearly as many as they'd like -- a big change from the days when unlocking an iPhone required jailbreak tweaks and hopping between stores to avoid a "two per customer" limit.
Follow this article’s author, J.R. Bookwalter on Twitter
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Many people have to take money from their food budgets to pay the added costs of keeping their homes warm enough. Many lower income workers also suffer a drop in pay. They are more likely to be hourly rather than salaried employees, so missing a day of work means less money to pay those rising bills.
A monthly survey by the Journal finds the weather has prompted economists to trim their forecast for gross domestic product growth in the first quarter by about 0.3 percent -- even though some of that lost growth could be pushed into the second quarter.
The surging stock market sent the average 401(k) retirement fund to record highs.
Here on Wall Street, the Dow Jones industrial average (^DJI) rose 63 points Thursday, the Standard & Poor's 500 index (^GPSC) gained 10, and the Nasdaq composite (^IXIC) rallied 39 points. The tech-heavy Nasdaq is riding a six-day winning streak.
Men's clothing retailer Jos. A. Bank (JOSB) has agreed to buy Eddie Bauer for $825 million. What's most significant about this deal is that it may help Jos. A. Bank fend off an unwanted takeover bid from rival Men's Wearhouse (MW).
And some U.S. athletes at the Olympics are blaming Under Armour (UA) for their disappointing performances. Speedskaters says the Mach 39 suits have a design flaw that may be slowing them down, by allowing too much air flow.
-Produced by Drew Trachtenberg.
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Men's clothing retailer Jos. A. Bank Clothiers, the target of an unwelcome bid from rival Men's Wearhouse, said it would buy outdoor clothing retailer Eddie Bauer for $825 million in its latest effort to stay independent.
Jos. A. Bank (JOSB) said it had reviewed both a possible acquisition of, and sale to, Men's Wearhouse (MW) but had determined that the Eddie Bauer deal and a share buyback that it also announced on Friday would provide best value for shareholders.
Jos. A. Bank will pay $564 million in cash and issue about 4.7 million new shares at $56 each to an affiliate of Golden Gate Capital, the ultimate parent of Eddie Bauer.
The private-equity firm will end up controlling about 16.6 percent of Jos. A. Bank and have the right to name two directors.
Jos. A. Bank, whose shares were down 2 percent before the bell,
Jos. A. Bank shares were trading at $53.75 before the bell.
The company said it had been pursuing Eddie Bauer for two years in an effort to boost shareholder value and had contacted Golden Gate several times to discuss a deal.
Backed by Golden Gate Capital, Jos. A. Bank bid $2.3 billion for Men's Wearhouse last year. But its larger rival spurned the offer and later turned the tables by offering to buy Jos. A. Bank for $1.5 billion.
Men's Wearhouse sweetened its offer to $1.6 billion last month, but Jos. A Bank rejected it again.
Jos. A. Bank said Friday it had the right to drop its offer to buy Eddie Bauer if it got a superior proposal.
The retailer said it expected the deal, which would create a company with annual revenue of more than $2.1 billion, to immediately add to earnings.
Eddie Bauer estimated revenue of between $885 million and $895 million for the 2013, Jos. A. Bank said.
With the acquisition of Eddie Bauer, Jos. A. Bank -- best known for renting and selling tuxedos -- would make its first move into women's apparel and footwear. The company said it expected to finance the deal through a combination of cash and committed debt financing provided by Goldman Sachs (GS).
Goldman Sachs and Financo are financial advisers to Jos. A. Bank, while Skadden, Arps, Slate, Meagher & Flom and Guilfoil Petzall & Shoemake are its legal advisers. Kirkland & Ellis is legal adviser to Golden Gate Capital and Eddie Bauer.
Jos. A. Bank estimated adjusted earnings of $1.04-$1.10 a share for the fourth quarter ended Feb. 1, well below the average analyst forecast of $1.25 a share, according to Thomson Reuters I/B/E/S.
A severe winter and slow post-Christmas clearance sales hurt the company's same-store sales, which rose just 1.8 percent in the quarter.
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Empty-nesters should make these moves throughout the year to keep their bill low at tax time. Here are the areas where you should look for savings:
Give yourself a raise. If you got a big tax refund this year, it meant that you're having too much tax taken out of your paycheck every payday. Filing a new W-4 form with your employer (talk to your payroll office) will insure that you get more of your money when you earn it. If you're just average, you deserve about $225 a month extra. Try our easy withholding calculator now to see if you deserve more allowances.
Go for a health tax break. Be aggressive if your employer offers a medical reimbursement account -- sometimes called a flex plan. These plans let you divert part of your salary to an account which you can then tap to pay medical bills. The advantage? You avoid both income and Social Security tax on the money, and that can save you 20 percent to 35 percent or more compared with spending after-tax money. The maximum you can contribute to a health care flex plan is $2,500.
Stash cash in a self-employed retirement account. If you have your own business, you have several choices of tax-favored retirement accounts, including Keogh plans, Simplified Employee Pensions, or SEPs, and individual 401(k)s. Contributions cut your tax bill now while earnings grow tax-deferred for your retirement.
Don't be afraid of home-office rules. If you use part of your home regularly and exclusively for your business, you can qualify to deduct as home-office expenses some costs that are otherwise considered personal expenses, including part of your utility bills, insurance premiums and home maintenance costs. Some home-business operators steer away from these breaks for fear of an audit. But a new IRS rule makes it easier to claim this tax break. Instead of calculating individual expenses, you can claim a standard deduction of $5 for every square foot of office space, up to 300 square feet.
Switch to a Roth 401(k). If your employer offers the new breed of 401(k), seriously consider opting for it. Unlike the regular 401(k), you don't get a tax break when your money goes into a Roth, but younger workers are often in lower tax brackets ... so the break isn't so impressive anyway. Also unlike a regular 401(k) money coming out of a Roth 401(k) in retirement will be tax-free at a time you may well be in a higher bracket.
Pay back a 401(k) loan before leaving the job. Failing to do so means the loan amount will be considered a distribution that will be taxed in your top bracket and, if you're younger than 55, hit with a 10 percent penalty, too.
Choose the right kind of business. Beyond choosing what business to go into, you also have to decide on the best form for your business: a sole proprietorship, a subchapter S corporation, a C-corp or a limited-liability company, or LLC. Your choice will have a major impact on your taxes.
Save energy, save taxes. Congress extended a $500 tax credit for energy-efficient home improvements, such as new windows, doors and skylights, through 2013. Be advised, though, that $500 is the lifetime maximum, so if you claimed $500 in energy-efficient credits before this year, you can't claim this credit. There are also restrictions on specific projects; for example, the maximum you can claim for new energy-efficient windows is $200.
Think green. A separate tax credit is available for homeowners who install alternative energy equipment. It equals 30 percent of what a homeowner spends on qualifying property such as solar electric systems, solar hot water heaters, geothermal heat pumps, and wind turbines, including labor costs. There is no cap on this tax credit, which is available through 2016.
Second homes can offer a vacation from taxes. If you're trying to figure whether you can afford a second home, remember that you'll get some help from the IRS. Mortgage interest on a loan to buy a second home is deductible just as it is for the mortgage on your principal residence. Interest on up to $1.1 million of first- and second-home debt can be deducted. Property taxes can be written off, too. Things get more complicated -- and perhaps more lucrative -- if you rent out the place part of the year to help cover the bills.
Watch the calendar at your vacation home. If you hope to deduct losses attributable to renting the place during the year, be careful not to use the house too much yourself.
Take advantage of tax-free rental income. You may not think of yourself as a landlord, but if you live in an area that hosts an even that draws a crowd (a Super Bowl, say, or the presidential inauguration), renting out your home temporarily could make you a bundle -- tax free -- while getting out of town when tourists overrun the place. A special provision in the law lets you rent a home for up to 14 days a year without having to report a dime of the money you receive as income.
Tote up out-of-pocket costs of doing good. Keep track of what you spend while doing charitable work, from what you spend on stamps for a fundraiser, to the cost of ingredients for casseroles you make for the homeless, to the number of miles you drive your car for charity (worth 14 cents a mile). Add such costs with your cash contributions when figuring your charitable contribution deduction.
Roll over an inherited 401(k). A recent change in the rules allows a beneficiary of a 401(k) plan to roll over the account into an IRA and stretch payouts (and the tax bill on them) over his or her lifetime. This can be a tremendous advantage over the old rules that generally required such accounts be cashed out, and all taxes paid, within five years. To qualify for this break, you must name a person or persons (not your estate) as your beneficiary. If your 401(k) goes through your estate, the old five-year rule applies.
INVESTMENTS AND RETIREMENT SAVINGS
Check the calendar before you sell. You must own an investment for more than one year for profit to qualify as a long-term gain and enjoy preferential tax rates. The "holding period" starts on the day after you buy a stock, mutual fund or other asset and ends on the day you sell it.
Don't buy a tax bill. Before you invest in a mutual fund near the end of the year, check to see when the fund will distribute dividends. On that day, the value of shares will fall by the amount paid. Buy just before the payout and the dividend will effectively rebate part of your purchase price, but you'll owe tax on the amount. Buy after the payout, and you'll get a lower price, and no tax bill.
Mine your portfolio for tax savings. Investors have significant control over their tax liability. As you near the end of the year, tote up gains and losses on sales to date and review your portfolio for paper gains and losses. If you have a net loss so far, you have an opportunity to take some profit tax free.
Alternatively, a net profit on previous sales can be offset by realizing losses on sales before the end of the year. (This strategy applies only to assets held in taxable accounts, not tax-deferred retirement accounts such as IRAs or 401(k) plans).
Consider tax-free bonds. It's easy to figure whether you'll come out ahead with taxable or tax-free bonds. Simply divide the tax-free yield by 1 minus your federal tax bracket to find the "taxable-equivalent yield." If you're in the 33 percent bracket, your divisor would be 0.67 (1 - 0.33). So, a tax-free bond paying 5 percent would be worth as much to you as a taxable bond paying 7.46 percent (5/0.67).
Keep a running tally of your basis. For assets you buy, your "tax basis" is basically how much you have invested. It's the amount from which gain or loss is figured when you sell. If you use dividends to purchase additional shares, each purchase adds to your basis. If a stock splits or you receive a return-of-capital distribution, your basis changes. Only by carefully tracking your basis can you protect yourself from overpaying taxes on your profits when you sell.
A new IRS rule requires financial services and brokerage firms to report to the IRS the cost basis for stocks purchased on or after January 1, 2011 and mutual funds purchased on or after January 2, 2012. They'll also provide you with this information, which should make it easier for you to avoid costly mistakes when you sell. For older shares, though, you'll still need to track your basis to avoid overpaying taxes on your profits.
Beware of Uncle Sam's interest in your divorce. Watch the tax basis -- that is, the value from which gains or losses will be determined when property is sold -- when working toward an equitable property settlement. One $100,000 asset might be worth a lot more -- or a lot less -- than another, after the IRS gets its share. Remember: Alimony is deductible by the payer and taxable income to the recipient; a property settlement is neither deductible nor taxable.
Help your children earn a credit for retirement savings. This credit can be as much as $1,000, based on up to 50 percent of the first $2,000 contributed to an IRA or company retirement plan. It's available only to low-income taxpayers, who are often the least able to afford such contributions. Parents can help, however, by giving an adult child (who can not be claimed as a dependent) the money to fund the retirement account contribution. The child not only saves on taxes but also saves for his or her retirement.
More from Kiplinger
- 10 States With the Scariest Death Taxes
- 10 Most Tax-Friendly States in the U.S.
- 10 Most Tax-Friendly States for Retirees
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Tired of ending every month in the hole with no idea where your hard-earned money went? It may be time to re-evaluate your spending.
In a recent Reddit thread, users shared their best tips for quickly and easily spending less money. They range from practical food-buying tricks to reframing the way you think about your finances.
We pulled out some the best and highlighted them below.
1. Plan out and cook your own meals. Dining out often is a huge money drain. —MrTimSearle
2. Clean out your fridge and pantry. You'll find good food you didn't know you had. —InsaneRay
3. Buy in bulk the things you would normally buy. You'll get more for your buck. —cjs3
4. Opt for non-canned goods. Fresh produce and dried beans are typically cheaper and healthier than canned items. —BellabitchTheStrange
5. Try the grocery store brand. If you like the taste, stick with it, and you'll save money. —Colonel-Rosa
6. Stop buying microwave dinners. The mark-ups are crazy. You could make better, healthier meals for less. —yawrn
7. Don't buy more groceries than you actually need or can keep. Throwing away food is the same as throwing away money. —nowgetbacktowork
8. Use a slow cooker. Throw in some veggies, beans, and meat, and you'll have lunches and dinners for the whole week. —i-hear-banjos
9. Make your own coffee. Those $2 to $4 coffees add up. —StickleyMan
10. Bring your lunch to work. You'll cut your lunch tab in half or more by making it yourself. —ILikeLampz
11. Stop buying bottled water. Use a glass or refill a bottle with tap water for free. —Cam_Harris
12. Don't go out to drink. Drinks with dinner can add $10 or more a person, and a night at the bar can easily cost $40. —typographicalerr
13. Track your expenses for a month. Using a tool like Mint.com or simply keeping a running log will help you see how much of your income is spent frivolously. —elderbio
14. Set goals. If you have a plan to stock money away in an emergency fund, for example, you'll think twice about spending on superfluous things. —Newmoney4me
15. Buy quality items. If you skimp on the important things, you may spend more in the long run. For instance, spending $30 on shoes every six months costs more than spending $60 on a pair that lasts years. —tahlyn
16. Think of your spending in hours instead of dollars. If you make $10 an hour, then that $2 cup of coffee is 12 minutes of your life. You may decide it's not worth it. —Koketa13
17. Before you buy something, ask yourself: What impact is this purchase going to have on my life? That can put an end to impulse spending. —_yertle_the_turtle
18. Change how often you spend on indulgences. Rather than give them up entirely, limit the frequency. For example, if you go to Starbucks daily, try going weekly, and if you go the movies weekly, try once a month. —stringliterals
19. Put half of your paycheck into savings. It forces you to figure out how to live on less. —ntran2
20. Always pay off your credit card at the end of every month. You avoid paying interest and get in the habit of living within your means. —nova_cat
21. Set up auto transfers on your bills so you're never late. Late fees are a waste. —nowgetbacktowork
22. Get checking account alerts on your phone or opt out of overdraft protection. Otherwise, you'll pay steep fees for overdrafting your account. —nowgetbacktowork
23. Spend your money where you spend your time, and cut the rest. If you're a runner, you need good shoes, and if you spend a lot of time in the car, you should invest there. This kind of thinking helps you trim the superficial stuff that does not add value to your life. —GreyFoxNinjaFan
24. Wait at least two days before buying anything over $50. You may no longer want it or forget it altogether. —Newmoney4me
25. Trade cable for Netflix. You'll have access to more TV shows and movies than you can watch for just $7.99 a month. If you like to watch sports, go to the bar or a friend's house. —Newmoney4me
26. Ask your Internet provider if it has any promotional rates. You could see your rate drop by as much as $20. —Aerospacing_Out
27. Cancel magazine and newspaper subscriptions you don't read. Many people will let them stack up instead of picking up the phone to cancel. —mrhoopers
28. Compare rates of local electric companies. You may no longer be getting the best deal available. —Aerospacing_Out
29. Wear a sweater in the house, and turn down the heat a couple of degrees. Over time, you'll save on electricity. —MrTimSearle
30. Rethink your cell phone plan. Are you paying for more than you use? Switching to Straight Talk or a similar plan could significantly drop your bill. —Aerospacing_Out
31. Get car insurance quotes. Companies competing for your business may quote you a lower rate. —Aerospacing_Out
32. Look into refinancing your car or home. You could see your payment immediately drop. —Aerospacing_Out
33. Frequent the library. Get books, movies, and music for free. —AnnabellBeaverhausen
34. Buy your clothes from the thrift store. Chances are, no one will be able to tell the difference. —Newmoney4me
35. Ride your bike to work. Not only will you save on car or public transportation costs, you'll be healthier. —Colonel-Rosa
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A 46-year-old Missouri woman has allegedly been trying to convince her bank that she's alive for more than a year, according to the St. Louis Post-Dispatch.
The bank initially declared Kimberly Haman dead for reasons unknown and the credit reporting agency Equifax then reported that false information, she claims. A year later, the mistake still is not fixed, she says.
Haman, a financial services supervisor, has allegedly been denied a credit card and prevented from refinancing her mortgage because credit reports list her as deceased, the Post-Dispatch reports. Haman says she has contacted the bank and credit reporting bureau several times to get the mistake fixed to no avail.
Now, she "is at a complete loss as to what else she can do," according to the lawsuit. Haman is baffled as to what could have led to the alleged error in the first place.
But these mistakes can and do happen. In 2012, an investigation by The Columbus Dispatch revealed how difficult it is to get obvious mistakes corrected on credit reports.
Equifax, the credit reporting agency that Haman is dealing with, has been fined hundreds of thousands of dollars since 2000 for not providing phone help to consumers, according to The Dispatch.
The Dispatch analyzed about 30,000 consumer complaints filed with the Federal Trade Commission and attorneys general in 24 states and found that almost 200 people told the FTC their credit report listed them as dead.
And more than half of the people who filed complaints with the FTC said they couldn't convince the credit reporting agencies to fix the mistakes.
Equifax finally took the error off Haman's credit report after a reporter asked about the lawsuit, a spokeswoman told the Post-Dispatch. But Haman still needs to regain her good credit rating.
We left a message with her bank, Heartland Bank of St. Louis, and will update this post if we hear back.
The Post-Dispatch points out that a Federal Trade Commission study of credit reporting agencies found that 26% of the 1,001 consumers surveyed found at least one "potentially material" mistake on a credit report.
Sylvia Goldsmith, Haman's lawyer, told the Post-Dispatch that these credit bureaus take a "cavalier attitude" toward their responsibilities and that Haman's case is "shining the light" on deficiencies in how credit reporting agencies investigate disputed information.
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Stocks recovered some of their beginning-of-the-year losses.
First, the scoreboard:
- Dow: 16,530.9 (+105.8, +0.6%)
- S&P 500: 1,837.8 (+11.0, +0.6%)
- Nasdaq: 4,153.1 (+39.5, +0.9%)
And now the top stories:
- The U.S. trade deficit shrank by more than expected in November. At $34.3 billion, this is the smallest deficit since October 2009. This was helped by a 1.9% drop in oil imports.
- Right away, economists scrambled to raise their estimates for Q4 GDP growth. Here's Barclays' Dean Maki: "We have raised our Q4 13 real GDP forecast for the US to 3.0% from 1.5% in response to recent stronger-than-expected data on trade and consumer spending. Today’s trade report showed a healthy gain in real exports in November, along with an upward revision to October’s large gain, which, combined with weak real import growth, suggests that trade will provide a significant positive contribution to real GDP growth in Q4 13. This comes after the November consumer spending report suggested that real consumer spending will post a large gain in Q4 13 (our current tracking estimate is 3.8%). Together with expected solid gains in business and residential investment spending, this leads us to forecast a 3.0% gain in real GDP on the quarter, even though we still expect a negative contribution from inventories."
- Home prices jumped 11.8% year-over-year in November, reported CoreLogic. On a month-over-month basis, however, prices (excluding distressed sales) climbed by just 0.3%. "It’s too early to tell if the marginal dip in the annual pace of house price inflation in November marks the start of the slowdown in price gains that we are expecting," Capital Economics' Paul Diggle wrote clients. "But we are confident that annual price gains will not remain in double-digit territory for much longer."
- Wells Fargo's Gina Martin Adams, Wall Street's most bearish strategist of 2013, is on the bearish end of the spectrum with her new 2014 forecast. She sees the S&P 500 ending the year at 1,850. However, she also said she "wouldn’t be surprised to see the index trade as high as 2,100 and as low as 1,500 at some stage throughout the year."
- The normally bullish veteran strategist Bob Doll thinks stocks are likely to end the year higher, but he warns that we're likely to experience a very normal 10% correction first. "We think those potential headwinds will limit, but not prevent gains, and perhaps cause more volatility than was experienced last year," said Doll today. "While stocks are vulnerable to a correction any time given their recent strength and some technical deterioration, we continue to favor a moderate pro-growth posture with forward long-term potential to mid- to high- single-digit annual percentage gains." Doll's S&P 500 target is 1,950.
- Don't Miss: Here's The Presentation Bob Doll Just Gave That Has All The Charts And Stats Behind His 2014 Predictions »
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