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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.

Finlay's "Unannounced Liquidation" Spills Over to Zale's Balance Sheet

March 16, 2009

Finlay enters into new agreement with CEO: SEC filing | www.reuters.com

As Finlay methodically roles out its "unannounced" plan for liquidation, its problems begin to spill over to Zale's beleaguered balance sheet.  Here's why Zale may be the fourth large jewelry to sink into financial obscurity over the next 24 months.

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 Board Ignores Opportunities

March 5, 2009

UPDATE 3-Zale posts loss after charges, to close stores | uk.reuters.com

With the industry in turmoil, Zale's board ignores an opportunity to reinvent the company in the wake of an industry shake out that began after Christmas 2008.  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.

Exclusive Sites Depend on Surplus Goods for Prosperity.

March 5, 2009

Exclusive sites offer fashion deals to those “in the know” | www.stores.org

Niche marketing along with a surplus of goods offers exclusive online resellers short-term business opportunities.  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.

Finlay's Demise Marks a Turning Point in the $65 Billion Jewelry Industry!

March 4, 2009

Jewelry vendor pulling out of Boston Store, Macy's, others | www.jsonline.com

Finlay's restructuring and likely subsequent bankruptcy marks a turning point for $65 billion jewelry industry.  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.

Finlay Bondholders Buy Time at Suppliers Expense

February 27, 2009

Finlay to Exit Dpt. Stores, Close 40 of its Specialty Boutiques | www.diamonds.net

Troubled GE Capital and Falcon Harbinger bought time to get their weak balance sheets into better shape before pulling plug on Finlay Enterprises.  Here's why Finlay needs new investors and soon.

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 Management Brings Company to Its Knees

February 25, 2009

Zale Corp. reports loss, plans job cuts | www.portfolio.com

After a long string of failures, Zale's board and current operating management has finally brought this American retail icon to its knees.  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.

Finlay to Declare Bankruptcy Unless Vendors Comply-Part 1

February 25, 2009

Finlay Negotiating Terms with Vendors | www.diamonds.net

Finaly tries to delay the inevitable if it can get certain suppliers to reschedule payments for last years merchandise.  Here's the deal as reported and what it means to the industry.

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.

No Joy at RadioShack (RSH)

February 24, 2009

RadioShack 4Q Net Drops 39% On Falling Margins, Sales | money.cnn.com

On the one hand Julian Day may be the right man for the job during a recession.  On the other, his lack of vision and inexperience in specialty retailing may mean Radio Shack misses the biggest CE retailing opportunity since the advent of the category killer format.  Here is 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.

Do Birks & Mayors (BMJ) Results Fore Tell Grim Times for Retail Jewelers?

February 24, 2009

Birks & Mayors Reports Third Quarter Fiscal 2009 Results | www.tradingmarkets.com

Everyone knows that the retail jewelry was one of the hardest hit sectors during the holiday season.  Birks & Mayors earnings results may quantify just what "hard hit" means for the jewelry industry in general and for companies like Zale and Finlay specifically.

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), A Model for the Future or History's Footnote?

February 23, 2009

IDEX Online Research: Inflation Pace for Jewelry Slows in January | www.idexonline.com

As Zale prepares to report the worst holiday profits in the company's history, its becomes clear that mid-market jewelers must reinvent their profit model in order to survive.  Here's why

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