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Youneed20/20visioninSiliconValley. Get it withSiliconValley.coms new focus on the 20 most influential people
and20most powerful andinnovative companies. Keep up with the valleys movers and shakers at SiliconValley.com
By Steve Johnson
sjohnson@mercurynews.com
REDWOOD CITY Re-
porting a slump in its recently
acquired hardware businesses,
software giant Oracle on Thurs-
day posted sales for its rst s-
cal quarter that were lower than
most analysts had predicted. But
its earnings were in line with Wall
Streets expectations.
The company said its sales for
the three months ended Aug. 31
totaled $8.18 billion, down about
2 percent from the same period
a year ago. Analysts surveyed by
Thomson Reuters on average had
expected sales to be $8.4 billion.
However, Oracles quarterly
$2.03 billion prot was up 11 per-
cent from the rst quarter last
year. It earned 41 cents a share
or 53 cents a share, excluding one-
time nancial items which was
what the analysts had predicted.
Given the companys contin-
ued growth in software sales and
orders for its hardware products,
the business is just extremely
strong, President and Chief Fi-
nancial Ofcer Safra Catz told
analysts during a conference call.
Trip Chowdhry, who tracks
Oracle for Global Equities Re-
search, also voiced enthusiasm
about the company.
What investors need to fo-
cus on is, are they losing market
share? he asked. Our answer is
no. And is their research-and de-
velopment-pipeline strong? Yes.
Before announcing its earn-
Hardware sales soft at Oracle
Q1 revenue slips about
2%from year ago, but
earnings are up 11%
CFO: BUSINESS EXTREMELY STRONG
Source: Bloomberg News BAYAREA NEWS GROUP
Oracle prot meets forecast, sales slip
The Redwood City software provider reported rst-quarter earnings
that matched estimates, but revenue fell as hardware sales dropped.
Sales Prot Stock
$8.18 billion
Q1
13
Q1
12
Q2 Q3 Q4
0
$2.03 billion
Q1
12
Q1
13
Q2
S O N S D J F M A M J J A
Q3 Q4
0
1
$35
30
25
2
$10
6
8
4
2
$3
In billions
In billions
2011 12
20
Thursdays
close $32.26
Anybody whos 17, or ever been
17, knows that any suggestions your
parents make are nothing but lame.
But every nowand then, one of those
lame ideas turns into something
surprising and, OK, pretty cool.
When Shachi Kakkars dad, an
electrical engineer, started hinting
around that Shachi might want to
check out the same field, Shachis
first instinct was to run screaming fromthe
room.
I dont want to be an engineer, he says he
first thought. I dont want to be the stereo-
type of a South Asian.
But his father, Sunil Kakkar, is a persuasive
guy and not all that bad and so Shachi
decided to humor him. Besides, as a
high school senior, he was starting to
think about applying for college, and it
wouldnt hurt to have an internship or
some similar experience to talk to the
college admissions folks about. So he
started talking to his dad about what
it is he does: design and verification
work on computer chips.
I just briefly explained to him
verification, right? says Sunil Kakkar, who
founded SKAK, a chip design and verification
company. I gave hima brief rundown of some
of the challenges involved. He got the bigger
picture of what verification is and whats chal-
BRIDGING
THE GAP
Young blogger helps unite generations of engineers,
challenges public perception of people in profession
JOSIE LEPE/STAFF
Cupertino High School student Shachi Kakkar, 17, writes a blog, "Views froma Young
Electronic Engineer," that relates engineering to everyday life.
MIKE CASSIDY
SILICON VALLEY
DISPATCHES
By Jeremy C. Owens
jowens@mercurynews.com
SAN FRANCISCO Amid
investor doubts brought on by
social medias decline, a Sili-
con Valley consumer Internet
stock debuted Thursday to an
extremely warm reaction from
Wall Street, which is expected to
spark a wave of fresh initial pub-
lic offerings.
Real estate information web-
site Trulia raked in more than
$100 million and then saw its
stock shoot up more than 40
percent in its debut as a public
company Thursday, despite an
IPO market that has slowed con-
siderably since Facebooks stock
plummeted after the Menlo Park
companys record-breaking de-
but.
Trulias success is denitely
going to help reopen the IPO
window, Sam Hamadeh of in-
dependent data analysis rm
PrivCo said Thursday, and Tru-
lia CEO Pete Flint agreed, telling
OPENINGBELL FOROTHERS
As Trulias stock
soars, IPOs get
a big lift as well
Real estate information
site takes in more than
$100 million in debut
By Peter Svensson
Associated Press
NEWYORK With a touch
of geek whimsy, Google Maps
warns anyone who seeks walking
directions to Mordor the land
of evil in The Lord of the Rings
to use caution. One does not
simply walk into Mordor, it
says. Apple is nding this week
that creating an alternative to
Google Maps isnt a simple walk,
either.
Apple released an update to
its iPhone and iPad operating
system Wednesday that replaces
Google Maps with Apples own
application. Early upgraders are
reporting that the new maps are
less detailed, look weird and mis-
place landmarks. Its shaping up
to be a rare setback for Apple.
Its a complete failure, said
Jeffrey Jorgensen. Its slower,
its directions are poorer and its
location data doesnt seem to
be accurate. All around, its not
quite there yet.
Jorgensen, a user interface
MAPPINGSOFTWARE
Newmaps application
a rare flub for Apple
Replacement to Google
Maps said to be awed,
inaccurate at times
ONLINE EXTRA
For comprehensive technology
coverage, go to www.sv.com.
TECHNOLOGY
ASSOCIATED PRESS
This iPad screenshot shows the new Apple Maps app released
Wednesday. Early upgraders are reporting the new maps are
less detailed, look weird and misplace landmarks.
ONLINE EXTRA
What are houses selling for in
your neighborhood? Check our
database at www.mercurynews.
com/real-estate
See TRULIA, Page 2
See APPLE, Page 2
See CASSIDY, Page 2
See ORACLE, Page 4
Bay Area News Group Friday, September 21, 2012
WWW.MERCURYNEWS.COM WWW.CONTRACOSTATIMES.COM WWW.INSIDEBAYAREA.COM 001 SECTION C
designer for a San Francisco-
based startup, began using Apple
Maps months ago because Apple
made it available early to people
in its software development pro-
gram. He said he nds himself re-
lying on Google Maps running on
his wifes Android phone instead.
The most-hyped feature of
the new app is a Flyby mode
that shows three-dimensional
renderings of buildings and other
features. It presents a convinc-
ing depiction of the canyons of
Manhattan, but has a hard time
rendering bridges and highway
overpasses, which tend to look
wobbly or partly collapsed.
The Apple app also has a
tendency to judge landscape
features by their names. For
instance, it marks the hulking
Madison Square Garden arena
in NewYork as green park space
because of the word Garden in
its name. The TDGarden football
stadium in Boston gets the same
treatment.
Conversely,AppleMapsmarks
Aireld Gardens, a farm and
plant nursery in Dublin, Ireland,
as an aireld. This prompted the
countrys justice minister, Alan
Shatter, to warn pilots Thursday
not to land there.
Clearly the designation is
not only wrong but is danger-
ously misleading in that it could
result in a pilot, unfamiliar with
the area, in an emergency situa-
tion and without other available
information, attempting a land-
ing, he said.
Marcus Thielking, the co-
founder of mapping-app devel-
oper Skobbler, said the lapses
of the Apple app are surprising,
particularly since Apple pur-
chases map data from an estab-
lished provider, Tele Atlas.
The combination of Apple
and TomTomscrewing up some-
thing like this is very odd. Apple
is not the rst and only company
using Tele Atlas maps, Thielk-
ing said.
Tele Atlas is a subsidiary of
TomTom, a Dutch maker of navi-
gation devices.
We launched this new map
service knowing it is a major
initiative and we are just getting
started, said Apple spokes-
woman Trudy Muller. The app
will work better the more peo-
ple use it, she said, alluding to
fact that users can report er-
rors and omissions from within
the app.
Google has been in the map-
ping game for much longer, giv-
ing it the benet of years of error
reports to help shape its maps.
Theres been a Google Maps
app on the iPhone since it was
launched in 2007, but its al-
ways come with the operating
system. Now that its gone from
the list of core apps, users are
nding that its not available for
download, either. Google says
its goal is to make Maps avail-
able, but hasnt said when that
will be.
In the meantime, iPhone
and iPad owners can access
maps.google.com through their
browser, said Google spokesman
Nate Tyler. The browser ver-
sion has fewer features but uses
a comprehensive mapping data-
base, he said.
Last year, Apple released
another software product that
many regard as half-baked: the
voice-controlled virtual assistant
Siri. But Siris ability to at
least sometimes understand
spoken queries was something
most users hadnt met before,
so they forgave its lapses. With
Maps, Apple is replacing an app
nearly every smartphone user is
already familiar with.
User reaction on social media
has been erce. One Twitter user
quipped that the lines of people
queuing up to buy the iPhone 5 on
Friday will be shorter, because
the buyers will be misled by the
newMaps.
APPLE
iPhone 5 next target
in patent battle
Samsung, in a move
that could escalate its
patent war with Apple,
is considering adding
the iPhone 5 to a patent
infringement lawsuit
against Apple, according
to a news report.
The action would be
taken after the smart-
phones launchFriday,
according to The Wall
Street Journal. It cited a
court filing that said the
SouthKorean electronics
giant expects to add the
newApple device to a case
that is set for trial in 2014.
The case is separate
fromthe one earlier
this year that resulted
in a U.S. federal court
ordering Samsung to
pay Apple more than $1
billion in damages.
Los Angeles Times
WEB SECURITY
Banks warned over
possible cyberattacks
Afinancial ser-
vices security group is
warning about possible
cyberattacks on banks,
citing recent credible
intelligence.
The group, the Finan-
cial Services Information
Sharing and Analysis
Center, has raised its cy-
ber threat level to high
fromelevated, saying
there is potential for
attacks that could make
companies websites
unusable for customers.
JPMorgan Chase
and Bank of America
have both acknowledged
problems with their
websites this week, but
havent commented on
the reasons.
GOOGLE
Closing on Facebook
in display ad revenue
Google is expected to
surpass Facebook in dis-
play advertising revenue
this year, beating all
other competitors with a
15.4 percent share of the
U.S. market, accord-
ing to a closely followed
research firm.
eMarketer said
Thursday that it expects
Google to generate $2.31
billion in revenue from
online display ads the
graphical advertise-
ments people see on
websites and account
for the bulk of Googles
revenue.
The New York-based
research firm predicts
Facebook will hold 14.4
percent of the market
this year with $2.16 bil-
lion in U.S. revenue.
MICROSOFT
Explorer browser
security fix is ready
Microsoft is releasing
an update to its Internet
Explorer browser to fix
a security problem that
could expose personal
computers to hacking
attacks.
Apermanent repair
to the security flaw will
be released Friday. Mi-
crosoft began offering a
temporary patch for the
problemWednesday on
a part of its website set
up for technical issues.
The permanent
solution to the problem
will be automatically
installed on PCs running
on Microsofts Windows
operating system if the
machine is set up to re-
ceive important updates.
Associated Press
Techticker
lenging about it.
Yeah, he got it, Shachi says.
And something else, too.
It actually kind of intrigued
me, to my surprise, says the
17-year-old Shachi. The whole
process kind of intrigued me.
It was the sort of epiphany
that makes you want to tell the
world what youve discovered.
And this being 2012, the way
you tell the world is through a
blog. Sunil Kakkar had a friend
who knew a friend who knew
the editors at EDN Network, a
website that is one of the bibles
for electrical engineers look-
ing for deep-dive technical
content, as the site itself likes
to say.
And Shachi had an idea:
The design and production of
a semiconductor is not sim-
ply some inscrutable process,
involving mind-numbing calcula-
tions leading to decisions made
on a scale so small that theyre
beyond comprehension. It is also
a very human process, a collec-
tive effort by dedicated troupers
with a common goal and diverse
expertise.
In fact, the process is a lot like
a high school play, and Shachi
knows something about those
since hes acted in a fewat Cuper-
tino High School.
Shachi wrote it down. The
gist: Aplay has a director and a
teamof actors with specific roles.
It has technical people in the
background. Lines are broken up
into chunks to be learned a little
at a time. The play is rehearsed
again and again to increase the
chances the play works right
when the big day comes.
Averification team has a
manager and a cast of engineers
with specific roles. Sections of
code are scrutinized. Engineers
perform tests again and again
to increase the chances the chip
works right on the big day.
Sunil Kakkars network got
in front of EDNs editors. Both
father and son thought that just
maybe EDNwould publish the
thing. It would be kind of a kick.
I read his first piece, says
Suzanne Deffree, EDNs online
managing editor, and I was like,
Would you like to do your own
blog?
I was honestly shocked,
Shachi says.
But Deffree was serious. Yes,
his own blog on EDN, www.edn.
com, where Shachi has published
three more pieces relating engi-
neering to everyday life and
where his thoughts have sparked
comments from the veteran engi-
neers who read EDN.
Its a wonderful accomplish-
ment, but its something more.
Much has been written about
howhard it is to get young people
interested in technical fields
like electrical engineering. The
reasons are many, but most agree
that one factor is that kids dont
think theyre cool. But Shachi
is in a position to change that
perception.
There is a lot more to it than
nerds typing stuff on a com-
puter, he says of the highly tech-
nical chore of making electronics
work. Thats one of the biggest
misperceptions that I try to clear
up with my articles, that were
not all nerds.
Its just the sort of perspective
that EDN needs, says Deffree, as
the site pushes beyond the deep-
dive stuff and into building online
communities as well.
When I came across this
young man who so absolutely
gets it, he gets what an engineer
is about, he has that excitement,
she says, when we find that, we
want to celebrate that, and we
want to connect the established
generation with the younger
generation.
And thats a very good thing.
Because when youre 17 there are
those rare occasions when some-
thing your parents say makes
absolute sense. And invariably
those are the times when you and
the old folks are speaking about
something you both love.
Contact Mike Cassidy at
mcassidy@mercurynews.com
or 408-920-5536. Follow him at
Twitter.com/mikecassidy.
By KimDixon
Reuters
WASHINGTON
Technology giants Hewlett-
Packard and Microsoft
used offshore units to shield
billions of dollars from U.S.
taxes by taking advantage
of loopholes and stretching
the limits of the tax code,
a U.S. Senate panel said
Thursday.
Describingtaxavoidance
as rampant in the technol-
ogy sector, the Senates
Permanent Subcommittee
on Investigations said tech
companies used intellec-
tual property, royalties and
license fees in tax havens
such as the Cayman Islands
to skirt U.S. taxes.
The panel subpoenaed
internal documents from
the companies and inter-
viewed Microsoft and HP
ofcials to compile its re-
port, and uses them as case
studies.
The tax practices and
gimmicks range from egre-
gious to dubious validity,
Sen. Carl Levin, chairman
of the panel, said at a news
conference.
Ofcials at HP and Mi-
crosoft strongly denied any
wrongdoing.
The investigative panels
ndings came hours ahead
of a hearing Thursday, at
which Levin is slated to re-
veal further details and to
take testimony.
Levin, a Democrat, has
been investigating offshore
tax evasion for years and
often issues reports calling
attention to the issue. But
Sen. Tom Coburn, the rank-
ing Republican on the panel,
also signed onto the report.
U.S. companies have
about $1.5 trillion in prots
sitting offshore, and most
say they are keeping it there
to avoid U.S. tax. Of the top
10 companies with the big-
gest offshore cash balances,
ve are in the technology
sector.
The high-tech industry
is probably the No. 1 user
of these offshore entities to
transfer intellectual prop-
erty, Levin said.
The panel said Palo Alto-
based Hewlett-Packard
funded U.S. operations with
a stream of intercompany
loans, using an exception in
thelawfor short-term loans,
to avoid billions of dollars in
taxes.
Aspokesman for HP said
it complies fully with tax law
and said the IRS has never
raised any concerns about
the programs cited.
We are disappointed
to see what appears to be a
politically motivated attack
on one of Americas largest
employers, HP spokesman
Michael Thacker said.
The committee said that
from2009 to 2011, Microsoft
shifted $21 billion offshore,
almost half its U.S. retail
sales revenue, saving up to
$4.5 billion in taxes on goods
sold in the United States.
This was accomplished,
the panel report said, by
aggressive transfer pric-
ing, where companies put
values on intercompany
movement of assets. Units
are supposed to use a fair
market price to value such
transfers, but critics say
they are undervalued to
minimize tax.
The report also said the
software giant shifts royalty
revenue to units in lower-
tax nations such as Singa-
pore and Ireland, avoiding
billions of dollars of addi-
tional taxes in the U.S.
In prepared testimony,
Microsoft vice president for
tax William Sample said all
its units serve a purpose,
though he acknowledges
tax considerations come
into play.
While the primary ob-
jective of our regional struc-
ture is to improve our com-
petitiveness and efciency
in each of the three regions,
we evaluated available tax
incentives, also in its deci-
sions.
Report: Tech gimmicks duck taxes
Senate panel says
billions shielded by
HP, Microsoft, more
Reuters, This is an opening
bell for other IPOs.
Investors purchased 6
million shares in Trulia for
$17 apiece, higher than the
original $14 to $16 range the
SanFrancisco company had
envisioned, for a total take
of $102 million and a valua-
tion of $448.4 million. When
shares reached the New
York Stock Exchange oor
just minutes after the mar-
kets opened at 6:30 a.m. Pa-
cic time, they were already
priced 30 percent higher,
at $22.10, and then rose as
high as $25.20 before clos-
ing at $24, an increase of
41.2 percent.
Based on Trulias suc-
cess, investors will take
another look (at consumer-
focused IPOs), despite
being burned so badly by
Facebook, by Pandora,
by Zynga, by Groupon, by
frankly almost everybody. I
honestly think they will take
at least a second look as op-
posed to just hanging up the
phone when underwriters
call, Hamadeh predicted.
Silicon Valleys success-
ful tech IPOs of 2012 like
Palo Alto Networks and
Splunk have mostly fo-
cused on enterprise clients
instead of consumers, but
Truliamanagestoofferboth
in one stock, as it offers in-
formation on housing prices
and the overall market to
real estate professionals on
a subscriptionbasis, and the
site also becomes a meeting
ground for sellers and buy-
ers to interact.
So many real estate
brokers at this point con-
sider Trulia or Zillow to be
a must-have that they really
cant do their jobs without
that basic Trulia subscrip-
tion, Hamadeh, who does
not hold a position in Trulia,
said Monday.
In addition to an enter-
prise offering, Trulia has
also been able to monetize
its popular mobile offer-
ing and strike a chord in
that market, where other
tech mainstays with bigger
names, most notably Face-
book, have faltered.
Trulia is made for mo-
bile, theres nothing more
mobile than house-hunt-
ing, so if youre looking at a
house, you can see immedi-
ately what open houses are
nearby, you can easily click
to text a broker to see if you
can get a last-minute ap-
pointment, Hamadeh said,
pointing out that 90 percent
of the companys revenues
come from mobile.
Trulia, founded in 2005,
competes with another re-
cently public company, Se-
attle-based Zillow, and both
have proted from a revived
housing market. Zillow de-
buted on Wall Street in July
2011 with an IPO valued at
$20 a share, and the price
soared in its rst day, closing
79percent higher; since then,
the price has moved even
higher, with shares closing
Wednesday at $45.69.
The competition be-
tween the two real estate
information sources is not
a friendly one, however,
as Zillow sued Trulia last
week, claiming the San
Francisco company copied
its patented formula for
assessing a homes value, a
key offering for luring hom-
eowners as consumers. Zil-
low also put through a sec-
ondary offering of its stock
just two weeks ago, a move
that suggests Zillow is try-
ing to attract some atten-
tion away from Trulia, said
Hamadeh, who also holds a
lawdegree.
Trulia has increased its
revenue almost 100 percent
per year in the past two full
scal years, according to its
IPO ling, rising from $10.3
million in 2009 to $19.8 mil-
lion in 2010 to $38.5 million
in 2011. The company is on
pace for similar revenue
growth again in 2012, with
$29 million in revenue
booked for the rst six
months; however, it has not
turned a prot in that time,
with losses as high as $7
million in 2009, and a loss
of $7.6 million in the rst six
months of this year putting
it on pace to more than dou-
ble that record in 2012.
Despite those nancials,
Hamadehs rm says that
the revenue as well as
Zillows rise suggests
Trulias true value lies at
$33 a share, leading to a
tech IPO that underpriced
and overdelivered, a wel-
come occurrence after so
many disappointments.
Contact Jeremy C. Owens at
408-920-5876.
Trulia
Continued fromPage 1
By Mae Anderson
Associated Press
NEWYORK Wal-Mart Stores
is phasing out the sale of Amazon.
coms Kindle Fire tablet and Kindle
e-readers, the second major retailer
to stop offering the items in six
months.
Wal-Mart, the worlds largest
retailer, said Thursday the deci-
sion was made as part of its over-
all merchandising strategy to offer
a broad assortment of products at
lowprices. Amazon has been selling
lower-priced tablets at thin if any
prot margins to boost sales of
digital media like books and music
from its online store. That makes
it less attractive for major retail-
ers to carry Kindles in their stores,
particularly as online retailers such
as Amazon.com become more of
a threat for traditional brick-and-
mortar stores.
Retailers are trying to ght a
growing practice called showroom-
ing. Thats when shoppers, armed
with smartphones, browse products
in physical stores and then shop on-
line for a better price.
The move echoes Targets deci-
sion to stop offering the Kindle in
May following its own merchandise
review. And it comes ahead of the
holiday season, which is crucial for
retailers since they generate up to
40 percent of their annual revenue
during the period. Tablets are ex-
pected to be a popular gift this year,
much like last year.
Amazon is clearly becoming
a more attractive consumer retail
destination, so it was inevitable that
Target or Wal-Mart would stop sell-
ing the Kindle product, said Morn-
ingstar analyst R.J. Hottovy. They
perceive Amazon as a potential
threat, and this is one way to neu-
tralize that.
Wal-Mart Stores will continue
to sell a range of tablets and e-book
readers, including Apples iPad,
Barnes & Nobles Nook, and devices
fromSamsung, Sony and others.
Wal-Mart spokeswoman Sarah
Spencer said the Bentonville, Ark.,
company will continue to sell its ex-
isting inventory of Kindles until it is
depleted.
Walmart outlets will
stop selling Kindles
Like Target, retailer fears
shoppers will visit stores,
then buy for less online
Wal-Mart Stores
will no longer sell
Amazon.com's
Kindle products,
including the
Kindle Fire HD,
left, making it the
second major
chain to stop
selling Amazon
devices. Walmart
outlets will still
sell Apples
iPad and other
brands.
GUS RUELAS/REUTERS
Apple
Continued fromPage 1
Cassidy
Continued fromPage 1
C2 BAYAREANEWS GROUP 001 FRIDAY, SEPTEMBER 21, 2012
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Source: Q1 2012 Omniture; Jan. 2012 Comscore.
Barometer
Fed. funds 0.15%
10-year note -0.01 1.77%
30-year bonds -0.02 2.95%
1-year T-bills 0.18%
30-yr xed mort. 3.49%
THURSDAY DIVIDENDS DECLARED
DI VI DENDS
Pe- Stk of pay-
riod rate record able
IRREGULAR
Wstn Asset Mortg Q .85 10-1 10-25
INCREASED
Conagra Foods Q .25 10-31 12-4
Covidien plc Q .26 10-11 11-5
Idacorp Inc Q .38 11-5 11-30
Ingredion Inc Q .26 10-3 10-25
Lennox Intl Q .20 10-4 10-15
McDonalds Q .77 12-3 12-17
Texas Instruments Q .21 10-31 11-19
Washington Tr Bcp Q .24 10-1 10-12
Yum! Brands Inc Q .335 10-12 11-2
SPECIAL
Sycamore Networks 10.00 10-1 10-11
REGULAR
Acme United Q .07 10-1 10-23
Agilent Tech Inc Q .10 10-2 10-24
Air Products Q .64 10-1 11-13
Amer Water Works Q .25 11-16 12-3
Belo Cp cl A&B Q .08 11-16 12-7
Central Bancorp Q .05 10-5 10-19
CVB Financial Cp Q .085 10-3 10-18
Deltic Timber Cp Q .075 12-3 12-17
Dynex Capital Q .29 10-5 10-31
Golden Enterpr Q .0312 10-1 10-31
Ind Bank Cp MA Q .21 10-1 10-12
InterDigital Inc Q .10 10-10 10-24
Jefferies Grp Q .075 10-15 11-15
Oracle Corp Q .06 10-12 11-2
Raytheon Co Q .50 10-3 11-1
Sanderson Farms Q .17 10-2 10-16
Saul Centers Q .36 10-17 10-31
State Street Cp Q .24 10-1 10-12
TJX Companies Q .115 11-8 11-29
Waddell & Reed Q .25 10-11 11-1
Wiley & Sons cl A&B Q .24 10-1 10-16
Woodward Inc Q .08 11-19 12-3
g- Payable in Canadian funds.
By Christopher S. Rugaber
and Dave Carpenter
Associated Press
WASHINGTON A
jump in the stock market
and rising home prices are
bringing many Americans
closer to regaining the
wealth they lost in the re-
cession.
U.S. household net
worth dipped in the April-
June quarter, according to
a Federal Reserve report
released Thursday. But
gains in stock and home eq-
uity since the spring quar-
ter ended have most likely
raised household wealth to
within 5 percent of its peak
before the recession.
The gains have gone to
Americans who managed
to keep their homes and in-
vested in stocks.
The increased wealth
could give many people and
businesses the condence
to step up spending and
boost U.S. economic growth
and job creation. Thats a
key goal of the bond-buying
plan the Federal Reserve
unveiled last week. The Fed
hopes to drive interest rates
down and stock prices up.
Household net worth
reects the value of assets
like homes, bank accounts
and stocks minus debts like
mortgages and credit cards.
It peaked before the reces-
sion at $67.4 trillion.
Tumbling home and
stock prices during the
recession cost Americans
nearly a quarter of their
wealth. From a pre-reces-
sion peak of $67.4 trillion in
fall 2007, household wealth
plummeted to $51.2 trillion
in early 2009. But as of the
April-June quarter, its
climbed back to $62.7 tril-
lion.
The Fed report also
found that:
n Americans borrowed
more in the April-June
quarter, marking the larg-
est increase since the rst
quarter of 2008. Mortgage
debt declined again, as it has
each quarter for more than
three years. But Americans
are taking on more student
and auto loans.
n After-tax incomes
have inched up, making
debts slightly easier to man-
age. U.S. household debt
equaled about 103 percent
of after-tax income in the
April-June quarter. That
was down from 104 percent
in the rst quarter. The ra-
tiohadsoaredto125 percent
at the height of the housing
bubble, up from about 90
percent during the 1990s.
n Businesses have begun
to spend some of the cash
they built up during the re-
cession. Corporations held
$1.73 trillion cash at the end
of last quarter, down from
its near-peak of $1.75 tril-
lion in the rst quarter. If
the trend continues, it could
signal that companies are
investing and expanding
more, which could lead to
more hiring.
n State and local govern-
ments borrowed more for
the rst time in six quarters.
That suggests that steep
spending cuts by those gov-
ernments, which have cost
hundreds of thousands of
jobs, may slow.
Bill Hampel, chief econo-
mist at the Credit Union
National Association, cal-
culates that Americans will
add $1.5 trillion to $2 trillion
to their net worth in the
current July-September
quarter. That would bring
net worth to about 4.3 per-
cent below its pre-recession
peak.
Were not there yet, but
were getting close, Ham-
pel said. Households are
rebuilding their capacity to
spend.
For now, many consum-
ers are holding back in the
face of still-sluggish job
growth and a high unem-
ployment rate, now 8.1 per-
cent. Consumer condence
is at its lowest point since
November, according to
The Conference Board, a
private research group.
Once consumer con-
dence turns around, we
could get a sustained period
of pretty decent household
spending, Hampel said.
Dennis Fassett, a health
care IT consultant in the
Detroit area, has beneted
from rebounding home and
stock prices. Yet he remains
anxious about the economy.
Four years ago, behind in
his retirement savings and
worried about his job in the
struggling auto industry,
Fassett, 50, took a chance
andboughtrental real estate
at reduced prices. Prices for
his investment properties
have since risen. And his
retirement account is back
within 10 percent of its pre-
crash level. The economys
still looking funky, Fassett
said. But Im seeing signs
of life.
Americans regaining
pre-recession wealth
Stock market, home
prices help rebuild
assets of households
By Jerry Hirsch
Los Angeles Times
LOSANGELES Dont
get in a trafc accident in a
tiny Toyota Yaris. It has
the most injuries per crash
of any vehicle, according
to an insurance industry
study.
The Highway Loss Data
Institute looked at insur-
ance data for model year
2009 through 2011 vehicles
and found Yaris occupants
led personal injury claims
28.5 times for every 1,000
of the vehicles the industry
insured.
Thats more than any
other vehicle on the road
and compares with the
Porsche 911, which had the
best rate only 4.5 injury
claims for every 1,000 of
the fancy sports car.
Toyota is committed
to achieving the highest
standards for safety and is
proud of its industry-lead-
ing 18 Toyota, Lexus and
Scion models, including
the Yaris, named 2012 Top
Safety Picks by the Insur-
ance Institute for Highway
Safety, Toyota spokesman
Brian Lyons said.
The institute said its
research demonstrated
that the vehicles with the
highest injury claims tend
to be small cars and are an
important supplement to
the crash tests conducted
by federal safety regula-
tors and the insurance in-
dustry.
Injury claims data
show something that
crash test results cant,
and thats the role that ve-
hicle size plays, said Kim
Hazelbaker, HLDI senior
vice president. In most
crash tests, the advantage
of greater size and weight
is masked by using a xed
barrier (in a test). As a re-
sult, crash test results are
comparable only among
similar vehicles.
These numbers demon-
strate which vehicles oc-
cupants are the most likely
to be injured in when it
comes to real crashes, the
institute said.
We know that in the
real world, if all else is
equal, a larger, heavier
vehicle does a better job
protecting occupants than
a smaller, lighter one, Ha-
zelbaker said.
The Suzuki SX4, a small
crossover, had the second-
highest risk of injury to its
occupants, posting 26.6
claims per 1,000 insured
vehicle years.
Other vehicles that
scored poorly by the in-
stitutes measurement in-
cluded the Chevrolet Aveo,
Mitsubishi Galant, Kia Rio,
Nissans Versa and Sentra,
Hyundai Accent and the
Dodge Avenger.
Car accident injury claims
highest in smaller models
WASHINGTON(AP)
A trio of reports Thursday
offered a reminder that the
U.S. economy is struggling
to growand add jobs.
The number of people
seeking unemployment
benets last week stayed
near a level that signals
only weak hiring in Sep-
tember. Weekly applica-
tions for unemployment
benets fell by only 3,000
last week to a seasonally
adjusted 382,000, the La-
bor Department said. The
four-week average, a less
volatile measure, rose for
the fth straight week
to 377,750. Applications,
which are a proxy for lay-
offs, typically need to fall
below 375,000 consistently
to signal the job market is
strong enough to lower un-
employment.
In two other reports,
manufacturing shrank for
a fth straight month in
the Philadelphia region,
a sign that weaker global
growth has hurt demand
for American-made goods.
And a measure of future
economy activity declined
for the second time in three
months.
Thedatafollowed a poor
month of hiring in August
and the Federal Reserves
move last week to launch
new stimulus measures to
give the hobbled recovery
a jolt.
There certainly
doesnt appear to be much
improvement in the per-
formance of the economy,
said Sam Bullard, senior
economist at Wells Fargo
Securities. Manufactur-
ing continues to soften and
decelerate. We shouldnt
expect to see substantial
gains in hiring or output
from manufacturers any
time soon.
Data on hiring in U.S. continue to be weak
Toyotas Yaris
had the highest
rate of personal
injury claims, a
survey by the
Highway Loss
Data Institute
reports. The
Porsche 911 had
the lowest rate.
KOJI SASAHARA/
ASSOCIATED PRESS
ARCHIVES
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DataFor more stock quotes, and detailed information about the companies in the SV150, go to www.siliconvalley.com/sv150
Biotech
Amex Biotech.
Index
+0.3%
YTD: +42.2%
Top gainer:
Cubist Pharm.
$49.41 +1.7%
Internet
Dow Jones Comp.
Internet Index
-0.3%
YTD: +19.2%
Top gainer:
ValueClick
$17.27 +3%
Computers
Amex
Computer Index
-0.5%
YTD: +36.8%
Top gainer:
Seagate Technology
$30.02 +1.9%
Networking
Amex
Networking Index
-0.9%
YTD: +1%
Top gainer:
NII Holdings
$8.21 +17.5%
Software
Bloomberg Amer.
Software Index
+0.2%
YTD: +20.8%
Top gainer:
Adobe Systems
$34.53 +4.3%
Chips
Philadelphia
Semicon. Index
-1%
YTD: +8.3%
Top gainer:
Mellanox Tech.
$107.24 +2.5%
TECHNOLOGYINDEXES MARKET REPORT OILS, METALS
Bed Bath & Beyond: The
home-furnishing retailer
reported second-quarter profit
that trailed estimates.
ConAgra: The maker of
Orville Redenbachers popcorn
raised its quarterly dividend
and boosted its full-year profit
forecast.
DreamWorks Animation:
The maker of the Shrek
films climbed after an analyst
upgraded the stock.
J.C. Penney: CEO Ron Johnsons
showcase of the chains new
store layouts failed to inspire
confidence in his remake of the
110-year-old retailer.
$58
$64
$70
$76
6/20 7/20 8/20 9/20
Close:
$62.08
-9.8%
$22
$24
$26
$28
6/20 7/20 8/20 9/20
Close:
$27.24
+6.2%
$16
$17
$18
$19
$20
6/20 7/20 8/20 9/20
Close:
$18.38
+3.8%
$18
$21
$24
$27
$30
6/20 7/20 8/20 9/20
Close:
$25.83
-11.2%
C4 BAYAREANEWS GROUP 111 FRIDAY, SEPTEMBER 21, 2012
-7.41%
Close: 1,440.10 Daily chg: -0.5%
ings, Oracle which also
issued a 6-cent-per-share
dividend to shareholders
saw its stock price drop
52 cents, or nearly 2 per-
cent, to $32.26 at the of-
cial close of trading. But
its shares gained 8 cents in
after-hours trading.
Oracle is one of the
worlds biggest sellers of
business-oriented database
programs and other soft-
ware. It recently has bought
several companies to bol-
ster its offerings of Web-
based software applications
to help companies better
manage their businesses.
But it has faced growing
competition from other
software rms providing
similar services.
In addition, Oracle has
had only modest success
with its hardware. Those
products consist primarily
of server and storage equip-
ment, which it acquired by
buying Sun Microsystems
last year in a $7.4 billion
deal the companies said
was worth $5.6 billion after
accounting for Suns debt
and nearly $2 billion in cash
reserves.
While Oracles software
sales for the rst scal
quarter totaled $5.7 billion,
its hardware sales were
just $1.35 billion. But ana-
lyst Chowdhry said Oracle
has been trying to shed
some of the less desirable
hardware it obtained from
Sun and that its newer
hardware products look
promising.
A similar optimistic note
was issued this week by Jef-
feries analyst Ross MacMil-
lan, who said he has heard
of strong new customer in-
terest in Oracles Exadata
product line, which com-
bines hardware and soft-
ware for high-performance
data processing.
MacMillan added that
he expects Oracle to un-
veil an updated version of
Exadata, which competes
against products offered by
Hewlett-Packard and IBM,
at the companys Oracle
Open World event in San
Francisco later this month.
In recent months, Ora-
cle has been battling with
several corporate rivals in
court.
On Aug. 2, German soft-
ware rival SAP announced
it will pay Oracle at least
$426 million in damages and
legal fees stemming from
allegations that one of its
subsidiaries illegally used
Oracles software.
But Oracle also has had
some legal setbacks. On
Aug. 1, a Santa Clara County
Superior Court judge ruled
that it had violated a con-
tract with Hewlett-Packard.
And in May, a federal jury
rejected most of Oracles
claims that Google had mis-
used its software.
Contact Steve Johnson
at 408-920-5043. Follow
himat Twitter.com/
steveatmercnews.
By Paul Elias
Associated Press
SAN FRANCISCO
A Taiwanese company
was ned $500 million
Thursday and its former
president and executive
vice president were each
sentenced to three years
in prison for their lead-
ing roles in a global LCD
screen price-xing con-
spiracy.
The sentences handed
downThursday are among
the harshest penalties ever
given in an antitrust crimi-
nal case. Still, the U.S. De-
partment of Justice com-
plained the punishments
were not enough. Federal
prosecutors demanded a
$1 billion ne and a 10-year
prison sentence for the ex-
ecutives.
U.S. District Judge
Susan Illston said she re-
jectedthe demandbecause
A.U. Optronics has already
paid out millions to settle a
class-action lawsuit and
still faced other lawsuits
in the United States and
around the world.
She also said the two
executives Hsuan Bin
Chen and Hui Hsiung
didnt deserve the
lengthy prison sentences
demanded by prosecutors
because they acted not for
personal gainlike someone
operating a Ponzi scheme
but out of their sincere be-
lief that they were aiding a
troubled industry plagued
by overproduction and
plummeting prices. Both
men declined to address
the court.
The company and seven
other competitors who
have previously pleaded
guilty were convicted of
sendingexecutivestoquar-
terly meetings between
2001 and 2006 to hash
out production levels and
prices they would charge
the worlds largest tech-
nology companies for their
liquid display screens. The
tech giants include com-
panies such as Apple, Dell
Computers and a long list
of television and computer
makers. Many of the meet-
ings agendas and conclu-
sions were documented
and presented to the jury
as evidence. The jury con-
victed the company and
men in March.
Prosecutors said the
conspiracy articially in-
ated the cost of those
products for consumers
around the world. One-
third of the $74 billion in
LCD screen sales impli-
cated in the scheme were
made by U.S. companies.
The judge is allowing
the company to pays its
ne in four installments
over the next year after
its attorney Dennis Rior-
dan pleaded for a payment
plan.
LCDmaker gets
$500 million fine
Former Taiwanese
execs face prison
for price-xing
DWc[ 9bei[ 9^] DWc[ 9bei[ 9^] DWc[ 9bei[ 9^] DWc[ 9bei[ 9^]
AT&T Inc 37.94 +.18
AbtLab 69.86 +.51
Accenture 65.19 -.25
Altria 33.61 +.46
Amazon 260.81 -.87
AmExp 58.34 -.33
AmIntlGrp 33.82 -.44
Amgen 82.30 +.59
Anadarko 72.01 -.54
Apache 89.17 -.04
AstraZen 47.96 -.15
BCE g 44.05 +.09
BkofAm 9.19 -.10
BkMont g 59.68 -.09
BkNova g 54.77 -.15
BarrickG 42.46 -.28
BerkHa A 133,816 +516
BerkH B 89.33 +.38
BiogenIdc 156.06 +1.02
Boeing 69.85 -.05
BrMySq 33.08 +.18
CVS Care 47.81 +.10
CdnNRy g 89.59 -4.40
CdnNRs gs 32.81 -.04
CapOne 58.05 +.08
Caterpillar 92.54 -1.40
Chevron 117.85 +1.25
Citigroup 33.81 -.37
CocaCola s 38.64 +.12
ColgPal 106.79 +.90
Comcast 35.95 +.57
ConocPhil s 57.59 +.28
Costco 102.64 +.76
Danaher 55.02 -.51
DeutschBk 42.22 -.49
Disney 52.66 -.04
DowChm 30.88 -.08
DuPont 51.87 +.25
DukeEn rs 63.93 +.50
EMC Cp 27.52 -.21
EmersonEl 50.42 -.14
EntPrPt 54.69 +.30
ExpScripts 62.40 -.58
ExxonMbl 91.52 +.95
FordM 10.44 -.15
FMCG 40.93 -.61
GenElec 22.43 ...
GenMotors 24.42 -.33
Goldcrp g 46.49 -.39
GoldmanS 117.63 -1.39
HomeDp 59.28 -.19
HonwllIntl 60.55 -.73
ImpOil gs 47.37 ...
IBM 206.18 -.25
JPMorgCh 41.25 -.09
JohnJn 68.90 +.30
KimbClk 85.00 +.63
Kraft 41.60 +.76
LVSands 45.85 -.83
LillyEli 47.02 +.16
Lowes 30.00 +.41
MasterCrd 454.18 +2.29
McDnlds 93.15 +.32
Medtrnic 43.17 +.34
Merck 44.89 +.38
MetLife 34.70 -.26
Microsoft 31.45 +.40
Monsanto 91.06 -.10
MorgStan 17.21 -.36
NOilVarco 80.60 -1.43
NewsCpA 25.02 +.14
NikeB 96.72 -.94
OcciPet 87.60 +.13
PNC 65.74 -.42
PepsiCo 71.24 +.39
Pfizer 24.41 +.25
PhilipMor 92.13 +.49
Potash 44.08 +.53
ProctGam 69.56 +.30
Qualcom 64.35 -.73
RoyalBk g 58.08 -.08
Schlmbrg 75.23 +.52
SimonProp 155.89 -4.78
SouthnCo 45.24 +.07
Starbucks 51.19 +1.08
Suncor gs 33.89 +.18
Target 65.40 +.39
3M Co 93.58 -.05
TimeWarn 45.79 +.28
TorDBk g 83.96 +.13
UBS AG 12.80 -.13
UnilevNV 36.31 -.04
UnionPac 120.95 -4.10
UPS B 72.61 -1.66
US Bancrp 34.04 -.30
UtdTech 80.92 -.80
UtdhlthGp 54.94 -.01
VerizonCm 45.49 +.22
Visa 134.61 -.18
WalMart 74.75 +.38
DWc[ 9bei[ 9^] DWc[ 9bei[ 9^] DWc[ 9bei[ 9^] DWc[ 9bei[ 9^]
Accuray 6.90 +.31
AdobeSy 34.53 +1.41
AMD 3.59 -.07
Affymetrix 4.21 -.11
Agilent 39.23 -.65
AlignTech 36.52 -.51
AlteraCp lf 36.84 -.25
7coh_i *$&/ !$))
Apple Inc 698.70 -3.40
ApldMatl 11.44 -.06
ArubaNet 21.18 -.41
AstexPhm 3.32 -.01
Atmel 6.36 -.12
BrcdeCm 6.23 -.06
Cadence 13.33 -.10
Cepheid 38.91 -.90
ChkPoint 46.96 +.24
Chevron 117.85 +1.25
Cisco 19.11 -.01
Clorox 71.75 +.30
Con-Way 27.48 -1.42
CypSemi 12.08 -.47
DigitalRlt 69.02 -2.97
DitechNt h 1.42 ...
Dynavax 4.77 -.01
eBay 50.08 -.31
8x8 Inc 6.61 +.04
ElectArts 13.48 -.45
Equinix 195.22 -2.67
Facebook n 22.59 -.70
<_d_iWh '+$/' #$/+
Flextrn 6.17 -.07
FrankRes 125.35 -.85
GeronCp 1.71 +.01
GileadSci 67.32 +.11
GluMobile 5.05 -.05
Google 728.12 +.62
HewlettP 17.76 -.34
ImpaxLabs 25.98 +.18
Incyte 19.23 +.28
Infinera 5.72 -.10
Informat 36.43 -.61
IntgDv 6.15 -.13
Intel 23.18 +.03
Intersil 9.03 -.06
Intuit 58.82 +.19
JDS Uniph 13.03 -.16
JnprNtwk 18.58 -.30
KLA Tnc 47.59 -.84
LSI Corp 7.43 -.13
LamResrch 32.64 -.21
B[Wf<he] .$*& #$-'
LinearTch 33.07 +.07
LockhdM 91.18 -1.06
MIPS Tech 7.38 +.12
MaximIntg 26.93 -.58
McKesson 86.22 +.74
MicronT 6.45 -.20
D[ajWhJ^ '&$'& !$*.
NetApp 35.51 -.23
Netflix 58.74 +1.70
Nvidia 13.61 -.10
OCZ Tech 4.30 +.03
OmniVisn 15.63 -.56
OnyxPh 85.16 -.66
OpenTble h 45.53 -1.34
Oracle 32.26 -.52
PDL Bio 7.60 -.05
PG&E Cp 42.65 +.11
PMC Sra 6.10 -.10
Pandora 10.58 ...
Polycom 11.44 -.05
Rambus 4.94 -.12
RobtHalf 26.51 -.41
RossStrs s 67.06 +1.36
Rovi Corp 15.74 -.16
Safeway 16.40 -.06
Salesforce 156.02 -1.96
SanDisk 45.95 -.23
Schwab 13.44 -.21
SciClone 5.54 +.03
SeagateT 30.02 +.55
SilicnImg 4.76 -.22
StemCells 2.01 -.01
Symantec 18.90 -.04
TeslaMot 30.90 -.15
ThrshdPhm 7.42 -.36
TibcoSft 29.86 -.61
TiVo Inc 9.72 +.03
TrimbleN 49.43 -.94
UnwiredP 1.96 +.11
VarianMed 61.24 -.46
VeriFone 31.77 -.55
Verisign 47.29 +.04
Vivus 23.72 -.56
VMware 99.75 +.50
WellsFargo 35.20 -.05
Xilinx 34.95 -.12
Yahoo 15.79 -.07
Yelp n 26.31 +.60
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London 5,854.64 -.57 +5.07
Hong Kong 20,590.92 -1.20 +11.70
Paris 3,509.92 -.62 +11.08
Japan 9,086.98 -1.57 +7.47
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Britain 1.6211 1.6230 .6168 .6161
China .1586 .1585 6.3062 6.3108
Euro 1.2967 1.3063 .7712 .7656
Japan .012778 .012756 78.26 78.39
Mexico .077702 .077941 12.8698 12.8302
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$Di.87
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$84.62
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Oracle
Continued from Page 1