This information was calculated on Nov 21, 2014 and is based on the closing value of the most recent trading day which may not be today.
This information is based on the Yahoo Historical Pricing and is only as good or as current as that data Read More →
| Company name | Towers Watson & Co |
| Stock ticker | TW |
| Live stock price | [stckqut]TW[/stckqut] |
| P/E compared to competitors | Good |
MANAGEMENT EXECUTION
| Employee productivity | Poor |
| Sales growth | Poor |
| EPS growth | Poor |
| P/E growth | Good |
| EBIT growth | Good |
ANALYSIS
| Confident Investor Rating | Fair |
| Target stock price (TWCA growth scenario) | $116.2 |
| Target stock price (averages with growth) | $97.68 |
| Target stock price (averages with no growth) | $53.2 |
| Target stock price (manual assumptions) | $107.9 |
The following company description is from Google Finance: http://www.google.com/finance?q=tw
Towers Watson & Co. (Towers Watson) is a global professional services company. The Company offers solutions in the areas of benefits, talent management, rewards, and risks and capital management. The Company offers its clients comprehensive services across four business segments: Benefits, Risk and Financial Services, Talent and Rewards, and exchanges Solutions. The Company delivers consulting services and solutions, which help organizations, anticipate, identify and capitalize on emerging opportunities in benefit and human capital management. The Company advises the insurance industry on a range of strategic and risks management issues, and the Company helps its clients in all industries mitigate risk through insurance, reinsurance and capital markets transactions. In November 2013, Towers Watson and Co announced the completion of its sale of the Company’s reinsurance brokerage business to Jardine Lloyd Thompson Group plc. In November 2013, the Company acquired Liazon Corporation.
Confident Investor comments: At this time, I think that a Confident Investor can cautiously invest in Towers Watson & Co as long as the price is correct. Most of the fundamentals of this company are good but there are some concerns.
If you would like to understand how to evaluate companies like I do on this site, please read my book, The Confident Investor. You can review the best companies that I have found (and I probably invest my own money in most of these companies) in my Watch List.
For owners of my book, “The Confident Investor” I offer the following analysis (you must be logged in to this site as a book owner in order to see the following analysis). If you have registered and cannot see the balance of this article, make sure you are logged in and refresh your browser.
[s2If current_user_can(access_s2member_level1)]
In order to assist you in using the techniques of this book, the values that I used when calculating the Manual pricing above were:
I hope that this makes you a better investor. [/s2If]
Grocery shopping is probably the largest variable expense in your budget. You have a lot of control over many of the things you choose while grocery shopping so it makes sense to focus on money-saving efforts. Many monthly expenses, such as your house payment, car and other debt payments, insurance policies and utility bills, are relatively fixed, and you will have a fairly difficult time changing them. Opportunities do arise in reducing those big payments, but you probably spend money at the grocery store every week.
Here are a few thoughts in saving money in this weekly battle.
Using a credit card for groceries is a bit controversial. If you cannot keep your balance on your card at zero every month, then don’t do this. However, that is a sign of a bigger problem. You need to takes steps to not carry a balance. Once you have learned this habit then paying for groceries with a credit card will earn you those points. The grocery store is already building in the cost of the credit card transaction into the price of their goods, so you need to get this money back.
Grocery stores will try very hard to make your relationship with them to be exclusive. When it comes to grocery shopping that can also be a real budget buster. No one store is the lowest on prices all the time. Some stores will discount certain products in favor of others. By making two stops and planning ahead, you can make a big difference in your grocery bill.
You should be taking advantage of coupon offers where you can. It’s not impossible to save 10%, 15%, or even as much is 20% with diligent coupon clipping. Luckily, many stores are offering their coupons in digital format so you can avoid the piles of small pieces of paper.
Don’t wander the aisles of the store looking for things that you need. You need a grocery shopping list will prevent this from happening. When you wander the aisles, you will be buying items that you don’t actually need. Stick to the list, and there will be much less chance of overspending.
When the store is crowded, you will be less likely to compare brands for a better deal. Choose times that are off-peak so that you are not hurried. This way you can compare the cost per ounce to make sure that you really are getting the best deal.
Many people find that they bring along a child or spouse, that other person’s habits will increase the number of items in the cart. This is especially true for a hungry child that will have a hard time passing by the aisle of favorite foods. I am not encouraging you to hire a baby-sitter when you shop, but if you can arrange your schedule to be alone, you will frequently make better buying decisions.
Photo by Mike Schmid 
This information was calculated on Nov 20, 2014 and is based on the closing value of the most recent trading day which may not be today.
This information is based on the Yahoo Historical Pricing and is only as good or as current as that data Read More →
| Company name | Universal Health Services, Inc. |
| Stock ticker | UHS |
| Live stock price | [stckqut]UHS[/stckqut] |
| P/E compared to competitors | Good |
MANAGEMENT EXECUTION
| Employee productivity | Poor |
| Sales growth | Poor |
| EPS growth | Poor |
| P/E growth | Good |
| EBIT growth | Good |
ANALYSIS
| Confident Investor Rating | Fair |
| Target stock price (TWCA growth scenario) | $100.07 |
| Target stock price (averages with growth) | $96.75 |
| Target stock price (averages with no growth) | $53.07 |
| Target stock price (manual assumptions) | $108.33 |
The following company description is from Google Finance: http://www.google.com/finance?q=uhs
Universal Health Services, Inc., owns and operates through its subsidiaries, acute care hospitals, behavioral health centers, surgical hospitals, ambulatory surgery centers and radiation oncology centers. As of February 28, 2013, it owned and/or operated 23 acute care hospitals and 197 behavioral health centers located in 37 states, Washington, D.C., Puerto Rico and the United States, Virgin Islands. As part of its ambulatory treatment centers division, it manages and/or own outright or in partnerships with physicians, five surgical hospitals and surgery and radiation oncology centers located in four states. In April 2014, it completed the acquisition of the Psychiatric Institute of Washington (PIW), a 124-bed behavioral health care facility and outpatient treatment center located in the District of Columbia. It has added a total of 17 facilities throughout the United Kingdom including 15 inpatient behavioral health hospitals and two nursing homes with a total of 743 beds.
Confident Investor comments: At this time, I think that a Confident Investor can cautiously invest in Universal Health Services, Inc. as long as the price is correct. Most of the fundamentals of this company are good but there are some concerns.
If you would like to understand how to evaluate companies like I do on this site, please read my book, The Confident Investor. You can review the best companies that I have found (and I probably invest my own money in most of these companies) in my Watch List.
For owners of my book, “The Confident Investor” I offer the following analysis (you must be logged in to this site as a book owner in order to see the following analysis). If you have registered and cannot see the balance of this article, make sure you are logged in and refresh your browser.
[s2If current_user_can(access_s2member_level1)]
In order to assist you in using the techniques of this book, the values that I used when calculating the Manual pricing above were:
I hope that this makes you a better investor. [/s2If]