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Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Zale Stock Makes Overvalued List

July 9, 2009

15 Overvalued Small Caps from Russell 2000 | seekingalpha.com

Zale stock has been singled out as one of the best performers in recent weeks, but that may be changing.  Here's why.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Jewelry Industry Unwilling or Unable to Deal With Finlay's Risk

July 9, 2009

IDEX Online Research: Finlay’s Odds for Survival Not in Its Favor | www.idexonline.com

Finlay's failure to downsize may be a consequence of the recession.  On the other hand, it may be part of long term liquadtion plan structured to benefit secured creditors at the expense of others debtors like the jewelry trade.  Regardless, here is why the industry needs a better way to manage financial risk.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Zale(ZLC) Bleeds Human Capital and Cash Too

July 8, 2009

Zale loses top marketing executive, controller | www.dallasnews.com

Zale loses more than a markleting executive and a controller.  Here's more.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Wall Street's Alchemists Tout Securitization

June 29, 2009

Study Says Securitization Lowers Credit Costs, Expands Supply | seekingalpha.com

Despite its track record, pundits tout the benefits securitization.  Here's more.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Jewelry Not So Prime In Walmart

June 25, 2009

Wal-Mart gives prime placement to fine jewelry | www.nationaljewelernetwork.com

Despite some evidence to the contrary, fine jewelry may be less important to Walmart.  If so, that would be good news for small specialty jewelers if they choose to take advantage of the opportunity.  Here's more.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Goldman Sachs Misses the Point

June 19, 2009

Goldman Sachs' Downgrade of Wal-Mart Incorrectly Favors Discretionary Retailers 4 comments | seekingalpha.com

Goldman Sachs may be right with respect Walmart, for all the wrong reasons.  Here's more.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The Power of Large Jewelry Chains Declines

June 18, 2009

Finlay Enterprises Provides Update on Execution of Its Strategic Plan ~ | finance.yahoo.com

Finlay's demise is just one more signal that the power of the large mass merchandised jewelry chains is declining.  Here's more.

Brad SaulPresidentPrime Access What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Local Radio Revenue Disappearing

June 16, 2009

In Radio These Days, Small Is Better | online.wsj.com

Radio will survive. It is just going to be a very different medium, led largely by internet radio which has no barrier to entry.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Will Zale Succumb to Its Self-Inflected Wounds?

May 27, 2009

Zale Reports Third Quarter Fiscal 2009 Results | www.businesswire.com

Zale reported SIGNIFICANTLY lower than expected sales and earnings for its third quarter in the face of higher stock prices only a day earlier.  Either faith in Zale springs eternal or traders got surprised by the dynamics of the jewelry business in general and Zale specifically.  Here’s more.

Nicholas White, President

Nicholas WhitePresidentRetail Horizons, Inc What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Are Sears Holdings (SHLD) Surprise Earnings Irrelevant?

May 25, 2009

Sears Holdings Reports First Quarter Results and Extension of Its Credit Facility | news.prnewswire.com

Sears Holdings surprised Wall Street analysts by posting increased first quarter earnings versus the Streets expectation of a loss. But just how relevant is the earnings surprise to SHLD's turn around?  for the answer, here's more.

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