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	<title><![CDATA[ray Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/ray.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to ray]]></description>
	<s:counts start="0" returned="20" found="47" />
	<language>en-us</language>
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		<title><![CDATA[Black Friday's Consumers Didn't Exactly Come Roaring Back]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F175638-black-friday-s-consumers-didn-t-exactly-come-roaring-back%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    We keep hearing that we cannot count the consumer out and that consumers will spend to support our robust 2.8% GDP growth we clocked in at last quarter. The experts all claim that same store sales are great, but they forget to tell you that...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Sun, 29 Nov 2009 08:05:12 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/retail.html"><![CDATA[Retail]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
	</item>
	<item>
		<title><![CDATA[The Hartford: Only Paper Profits]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F171139-the-hartford-only-paper-profits%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    I was excited to see The Hartford HIG had turned the corner to profitability, until I realized that they only had positive earnings if you excluded the losses. I am sorry, but that is accounting profits, not actual profits. Without the losses the firm posted...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Wed, 04 Nov 2009 06:36:43 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/hartford+financial+services+group+inc..html"><![CDATA[Hartford Financial Services Group Inc.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">HIG</category>
		<category domain="tickers">HIG</category>
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	<item>
		<title><![CDATA[Jobs, Jobs and No Jobs]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F170405-jobs-jobs-and-no-jobs%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Well, last week was the breaking point in the equity markets and there is no denying that. The GDP figures were cooked to say the least and shows that the economy, unfortunately, cannot survive on its own without massive government intervention. It also proves, to...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Sun, 01 Nov 2009 05:52:16 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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	<item>
		<title><![CDATA[Bank Failure Friday: Nine More Banks Go Under]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F170404-bank-failure-friday-nine-more-banks-go-under%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Friday was a special night - a large bank holding company failed, which caused 9 banks to fail across various states. Essentially, it counts as a total of 9 individual failures bringing the total US bank failures up to 115. It is insane to believe...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Sun, 01 Nov 2009 05:39:35 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[All About the Dollar]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F169193-all-about-the-dollar%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    The market has not been able to hold a rally as the dollar strengthens which shows that the 60% rally we witnessed was purely liquidity driven. Essentially, the Fed, in their infinite wisdom, decided to drive investors out of less risky assets into high risk...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Tue, 27 Oct 2009 11:57:21 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[Bove Finally Cuts Some Regional Bank Ratings]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F169071-bove-finally-cuts-some-regional-bank-ratings%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    What took him so long to figure out that there were problems with this sector? Picking through most of the earnings reports, you see massive &#8220;goodwill&#8221; and &#8220;intangible&#8221; builds, along with serious problems with deteriorating credit quality. Even PNC that everyone fawned over last week...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Tue, 27 Oct 2009 05:55:39 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/pnc+financial+services+group+inc..html"><![CDATA[PNC Financial Services Group Inc.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">PNC</category>
		<category domain="tickers">PNC</category>
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	<item>
		<title><![CDATA[Not Everyone Likes Windows 7]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F168763-not-everyone-likes-windows-7%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Imagine everything you hated about Vista and XP in one version and you'll have Microsoft&#8217;s new OS. Yes, it&#8217;s that bad. In a word, awful, and I mean it. How do I know this? I just helped my parents set up their new PC (their...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Mon, 26 Oct 2009 02:19:11 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/apple+inc..html"><![CDATA[Apple Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/microsoft+corp..html"><![CDATA[Microsoft Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">AAPL</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MSFT</category>
		<category domain="tickers">AAPL,MSFT</category>
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		<title><![CDATA[Lazard Dumps the Dollar]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F168538-lazard-dumps-the-dollar%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    In a surprise move, Lazard Asset Management&#8217;s &#8220;The World Trust Fund&#8221; has dumped the USD as its primary currency in favor of Sterling. Typically these funds trade in the USD, but the fund&#8217;s board apparently felt pressure from shareholders and investors to change its primary...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Fri, 23 Oct 2009 10:08:26 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[The Dollar's Breaking Point: Are We There Yet?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F168196-the-dollar-s-breaking-point-are-we-there-yet%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    As I have stated several times in the past, there is a point between how low the dollar can go before it will negatively start impacting the market. As my kids ask all the time, 'are we there yet?' I think we are close, very...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Thu, 22 Oct 2009 10:22:37 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[Wells Fargo's Balance Sheet: Not a Pretty Picture]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F168169-wells-fargo-s-balance-sheet-not-a-pretty-picture%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Looking through Wells Fargo&#8217;s WFC earnings I see nothing that makes me think the crisis has really ended or that credit is even close to expanding. The company has a very complex balance sheet, so picking it a part is not an easy task and...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Thu, 22 Oct 2009 09:15:07 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/wells+fargo+%2526+co..html"><![CDATA[Wells Fargo & Co.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">WFC</category>
		<category domain="tickers">WFC</category>
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		<title><![CDATA[Google: An Earnings Illusion?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F166835-google-an-earnings-illusion%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    I was just looking at Google&#8217;s GOOG earnings and, not surprisingly, the firm realized some pretty strong FX gains as compared to a year ago. Below you can see Google&#8217;s presentation and you can see that its growth, on page 4, has been in the...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Thu, 15 Oct 2009 02:31:24 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/google+inc..html"><![CDATA[Google Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/intel+corp..html"><![CDATA[Intel Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">GOOG</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">INTC</category>
		<category domain="tickers">GOOG,INTC</category>
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		<title><![CDATA[Why Intel?s Earnings Don't Signify U.S. Recovery]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F166396-why-intels-earnings-don-t-signify-u-s-recovery%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    I am sure you can see where all the growth is coming from and it is not from the US. Everyone who claims that these great earnings are because of a US recovery must be smoking those green shoots. In fact, US sales dropped 2...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Wed, 14 Oct 2009 03:27:40 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/chip.html"><![CDATA[Chip]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/intel+corp..html"><![CDATA[Intel Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">INTC</category>
		<category domain="tickers">INTC</category>
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		<title><![CDATA[JNJ 3Q: Misses on Revenue, and that Should Be a Concern]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F166237-jnj-3q-misses-on-revenue-and-that-should-be-a-concern%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    As with most firms in 3Q09 Johnson & Johnson JNJ was light on its revenue by about $100M. They are not the first and won't be the last to be light. The first warning this was going to happen was from Yum Brands YUM, but...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Tue, 13 Oct 2009 07:19:58 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/healthcare.html"><![CDATA[Healthcare]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/johnson+%2526+johnson.html"><![CDATA[Johnson & Johnson]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">JNJ</category>
		<category domain="tickers">JNJ</category>
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		<title><![CDATA[Five Bank Failures: September 4, 2009]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F160157-five-bank-failures-september-4-2009%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    The FDIC reported that the First Bank of Kansas City was seized by the FDIC and sold to Great American Bank. Inbank, Vantus Bank, Platinum Community Bank and First State Bank were also closed which represents a total of 89 banks closed down this year....]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Sun, 06 Sep 2009 04:14:40 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[More on Foreclosures: Real Estate Recovery Unlikely for Now]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F159597-more-on-foreclosures-real-estate-recovery-unlikely-for-now%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Diana Olick did another piece about foreclosures yesteday and I find the data very interesting. The numbers just speak volumes to the problem at hand and the data is provided by Hope Now Alliance.   Apparently people were pretty tough on Diana claiming she...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Wed, 02 Sep 2009 05:39:49 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[What's Really Going on With Foreclosures?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F159354-what-s-really-going-on-with-foreclosures%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Apparently I was wrong about the impact of foreclosures when I said that banks were holding onto the properties and not placing them on the market. It came to light via Diana Olick, who I respect at CNBC, in a report yesterday. It is not...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Tue, 01 Sep 2009 05:59:30 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[Bank Closures for Friday August 28, 2009]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F159011-bank-closures-for-friday-august-28-2009%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    Here are bank closures for August 28, 2009. These represent the 82nd, 83rd and 84th closures so far this year. I will update you as more closures come in.   Banks_____________State___________Assets_________Deposits by Ray]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Sun, 30 Aug 2009 04:06:12 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/central+bancorp+inc..html"><![CDATA[Central Bancorp Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/m+%2526+t+bank+corp..html"><![CDATA[M & T Bank Corp.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">CEBK</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">MTB</category>
		<category domain="tickers">CEBK,MTB</category>
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		<title><![CDATA[Despite Recent Economic Data, All Is Not Well]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F158585-despite-recent-economic-data-all-is-not-well%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    I know that everyone has hope of a better economy and an end to the recession, but unemployment and foreclosures are still here. This is a fact, regardless of what the market is doing and regardless of what you are being told. I realize this...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Thu, 27 Aug 2009 04:18:45 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[FDIC Eases Rules Allowing Private Equity Firms to Bid on Failed Banks]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F158553-fdic-eases-rules-allowing-private-equity-firms-to-bid-on-failed-banks%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    With 81 banks closed this year and estimates of a total of 150-200 bank closures in the near future it is no wonder that the FDIC eased rules for private equity firms to bid on the failed institutions. It is amazing that it took so...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Thu, 27 Aug 2009 03:19:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
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		<title><![CDATA[Palladium: The New Platinum]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F158313-palladium-the-new-platinum%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Ray submits:    I am sure you are familiar with precious metals like gold, silver and platinum, but there is one more metal that gets ignored, palladium. Palladium is a member of the platinum family and is, actually, much more rare than platinum. This metal just might be...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Wed, 26 Aug 2009 01:21:11 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/us+market.html"><![CDATA[US Market]]></category>
		<category domain="http://resources.bnet.com/topic/gold+%2526+precious+metals.html"><![CDATA[Gold & Precious Metals]]></category>
		<category domain="http://resources.bnet.com/topic/ray.html"><![CDATA[Ray]]></category>
		<category domain="http://resources.bnet.com/topic/stillwater+mining+co..html"><![CDATA[Stillwater Mining Co.]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">SWC</category>
		<category domain="tickers">SWC</category>
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