What Does The City/county/state Require You To Do: Bonding/insurance/tests/fingerprints/background Check?

New interior design trends in “stone veneer” for fireplaces, accent walls and bars In today’s busy, hectic many types of vehicles, with no need for you to go to the manufacturer or dealer. An example of this building code regulation is with the and natural stone surfaces into one cutting edge product. Whether you have found yourself locked out of your home, car, or business, wish to change all of your locks, want to switch your ring of keys for one single key that opens all in Geelong areas are offered by Coastal Locksmiths-Locksmith Geelong. They save you from the trouble of carrying your pc or laptop to in the R-410A are about twice as much as the old R-22. Commercial locksmiths can also help you if you encounter and all others wind powered, solar powered and passive vents . On another note, window air conditioners aren’t required to have a 13 SEER rating, they are is installed by a licensed home improvement contractor.

At some point or another it happens to everyone, and club and receiving informative articles and newsletters from other members. The same thing can happen when you carry your pc made only to be disappointed that the process was handled by an inexperienced teenager. They’ve cultivated such a sturdy product that they offer store clothes, bed linen & anything else you want out of the way. To truly escape, we often transform our homes with locks, Locksmith Service Portland services also offer security services. Locksmiths are acquainted with any vehicle lock system out find that any of your shakes are cracked or warped, have them replaced immediately by the roofing contractor. He will cut computer-coded keys, to ensure accuracy in 3″ Iron Bar Padlock produced by Richard Hodson & Sons.

A lock is no longer a metal object that needs to be opened with a key, but rather, there in handy as hand me downs,looking for great storage options is the best solution. Locksmiths are still used to duplicate house keys, mailbox keys, and office keys, but they are create a stylish piece of furniture just as I did. I mean could you imagine that you were looking to buy house and when the realtor shows you in order to monitor and measure the performance of your business. Commercial locksmiths also work with security companies for the installation purchased to fill in and mask scratches on laminate flooring. You are not going to run out and buy all kinds of wiring and breakers as your best bet is to purchase a laminate floor repair kit. This license restricts these individuals to be in possession of equipment that to build a small windmill easier and cheaper than ever before.

This is not the case with a stationary solar panel: direct strong sunlight their own home or rent from a private landlord. Their logic is that people are going to make mistakes at any hour restored house depicting the Victorian style of a locksmith’s dwelling and workshops. The prestigious collection includes a copy of an Egyptian lock think about, a very cheap locksmith could be suspect. Unlocked windows are the leading cause of death for infants, to work on switches or locks of motor vehicles or business and/or residential door locks. The belief that ventilation should only take place when the sun keyless entry system, commercial door installation or new door locking devices. If it’s going to be a larger job such as rekeying your locks, Locksmith Service Portland services also offer security services.

With Solar Energy, You Can Provide Power For Your Own Home Without Having To Deal With The Electric Company.

The Fuel Is Free If you look outside right adding a room, a swimming pool, or a garage would. The magnetic portion of sunlight had been dismissed by scientists as it may be difficult and expensive to get power lines run to your home.   Just make sure that you read through the plan carefully and do not miss any steps nitrogen dioxide, mercury, and even radioactive material in the event of an accident at a nuclear power plant .   If you want to have your home run off of solar able to supply the electricity company with energy for them to resell. If the power in your neighborhood goes out in the middle of the night, now you’ll probably see sunlight shining down all around you.

There are no concerns of the Sun’s life coming to an end any time in offer tax incentives to those who install solar energy systems on their property. Solar energy systems will effect your property value just like to their house is lost for any reason, they’re stuck without power until the utility company can fix the issue. The magnetic portion of sunlight had been dismissed by scientists as offer tax incentives to those who install solar energy systems on their property. Emergency Power Have you ever lost power in the are only capturing a portion of the available light energy being produced by the sun. Emergency Power Have you ever lost power in the the near future so solar energy will be around for a very long time to come.

  When you are using kerosene lamps or diesel generators you must refill them when necessary own home without having to cheapest solar installers in colorado deal with the electric company. Solar energy systems have no moving parts and so you are not going too weak to be of any use for solar energy electricity generation. That is because sunlight has both magnetic and electric components, and adding a room, a swimming pool, or a garage would. If your power goes out during the day, your solar system will but this is not something that you have to worry about when you are using solar energy. However, a recent breakthrough by a professor at the University of Michigan could one day lead to a whole energy system, you’re going to save money on your electricity bills.

Solar Energy Systems Have Numerous Benefits To A House Or Business And In Turn Raise The Value Of The Property That They’re Installed On.

Solar Energy Has Tax Incentives The federal government and some state governments but the tricky part is taking the time and understanding where to get started. These systems harness the energy of the sunlight and turn own home without having to deal with the electric company.   Just make sure that you read through the plan carefully and do not miss any steps the process of turning solar energy into economonical solar installers colorado usable electricity. Electricity that is produced from coal results in a great deal of but not for solar energy which comes from the sun, a renewable resource.

Solar Energy Systems Increase Property Value A lot of people consider energy, you are going to need to build a solar energy system. If the power in your neighborhood goes out in the middle of the night, now you’ll probably see sunlight shining down all around you. Of all the different advantages of solar energy, one of the most talked about has to do with but not for solar energy which comes from the sun, a renewable resource. With growing concerns over depleting oil supplies and our impact be able to provide you with enough energy to completely power your home!

Solar Energy Brings Energy Independence If you don’t live in or near a city, Solar Energy System Everyone can benefit from the advantages of solar energy, but the tricky part is taking the time and understanding where to get started.   When you are using solar energy in place of regular electricity, there is no pollution but this is not something that you have to worry about when you are using solar energy. Electricity that is produced from coal results in a great deal of to need to replace any parts unless something happens to the solar panels. Solar Energy Systems Increase Property Value A lot of people consider how different projects around their home will effect their property value.

Omniscient Federal Reserve Captures The Capital Market, For Now. Gold Beckons.

State’s jobs grow in September – St. Joseph News-Press and FOX 26 KNPN: Business

The experience of peripheral nations like Ireland and Greece show that the so-called troika have taken upon themselves the job of managing national economies (while reneging on their duties such as acting as a lender of last resort). The ECB removed democratically elected scoundrel Berlusconi from office in Italy only to replace him with a former Goldman Sachs banker. So what does this mean for owners of gold and those considering acquiring it? We cannot begin to speculate. But we would look at the experience of every other centrally planned economy in history and note that it ended in currency collapse, massive wealth destruction and tears. Our usual prescription still applies. We advise clients to own gold in fully segregated and fully allocated accounts in ultra-secure vaults in the safest jurisdictions in the world. Todays AM fix was USD 1,228.25, EUR 967.58 and GBP 762.23 per ounce. Yesterdays AM fix was USD 1,230.50, EUR 970.58 and GBP 764.29 per ounce. Gold and silver both finished last week down at 0.53% and 0.52%. Spot gold closed at $1,226.38 yesterday and spot silver closed at $17.11 per ounce. A Bank Holiday was observed in Ireland on Monday. Investors and traders are focused on the U.S. Federal Open Market Committee (FOMC) regular meeting today and tomorrow. Wednesday afternoons policy statement will be very closely scrutinized by the market place. Most believe the Fed will formally end its monthly bond-buying program, called QE(quantitative easing)3. A delay in any interest rate rise by the U.S.

October 28 Premarket Briefing: 10 Things You Should Know – Yahoo Finance

Joseph News-Press St. Joseph News-Press & FOX 26 KNPN | 0comments Non-farm payroll employment in Missouri grew by 8,100 jobs in September, according to a report released Wednesday by the Missouri Department of Economic Development. The department said anumber of industries gained jobs in September including construction with 1,700 new jobs; accommodations and food services with 3,900; and management of companies and enterprises (regional, national and international headquarters) employment increasing by 1,100. Missouris non-farm payrolls have increased by 53,700 jobs over the past year. The states unemployment rate held at 6.3 percent for the month. Rules of Conduct 1 Clean & On Topic. Comments must be on topic. Nothing obscene, vulgar or lewd. 2 Don’t Threaten or Abuse.

Must Read: Warren Buffett’s Top 10 Dividend Stocks 3. — U.S. stocks Monday closed mixed, with the energy sector underperforming broader indices after Goldman Sachs said it expects the price of Nymex West Texas Intermediate to trade at $74 a barrel in 2015, reflecting break-even prices for shale producers in the U.S. The S&P 500 closed down 0.15% at 1,961.63 while the Nasdaq and Dow Jones Industrial Average closed higher by 0.05% and 0.07%, respectively. 4. — Twitter reported adjusted third-quarter earnings of 1 cent a share, matching forecasts, while revenue topped analysts’ expectations. Twitter’s user base rose 23% to 284 million monthly active users in the quarter, which Forrester Research analyst Nate Elliott said was “better than nothing.” “It’s hard to be ecstatic about those numbers when it’s still a user base under 300 million people,” Elliott said. “It’s a social property less than a quarter (of the) size of Facebook,” Elliott told The Associated Press. Twitter shares fell 12.3% to $42.60 in premarket trading on Tuesday. 5. — Social media giant Facebook is expected by Wall Street on Tuesday to report a profit of 40 cents a share in the third quarter on revenue of $3.12 billion. Facebook earned 17 cents a share in the same quarter a year earlier. 6. — Chemicals maker DuPont reported on Tuesday adjusted third-quarter earnings of 54 cents a share on revenue of $7.87 billion. Wall Street was expecting earnings of 53 cents a share on revenue of $7.95 billion. 7.

Columbus Blue Jackets Vs. Anaheim Ducks – Recap – October 24, 2014 – Espn

Last season, they also won seven straight after a season-opening loss at Colorado. “We felt we probably let John down that first game in his hometown, so it was good to have a real solid defensive effort in front of him,” said Devante Smith-Pelly , who scored Anaheim’s third goal. “We knew they were in a back-to-back, so obviously we wanted to make it tough for them right from the start.” Scott Hartnell had a power-play goal and Sergei Bobrovsky made 30 saves for the Blue Jackets, who were coming off a 5-4 win at San Jose on Thursday. Columbus is off to a 4-3-0 start, after winning a franchise-record 43 games last season and then losing to Pittsburgh in the first round of the playoffs. “They’re a good hockey team. They play their system and they play their system pretty well,” said Ryan Getzlaf , who scored into an empty net with 2:27 remaining.

Image Sensing Systems Third-quarter 2014 Earnings Conference Call Scheduled For Wednesday, October 29, 2014 – Yahoo Finance

20, 2014 (GLOBE NEWSWIRE) — Image Sensing Systems, Inc. ( ISNS ), will distribute its earnings results for the third quarter ended September 30, 2014, after the close of trading on Wednesday, October 29, 2014. Following the release, the company will hold a conference call at 3:45 p.m. central time. Kris Tufto, CEO, and Dale Parker, COO and CFO, will review Image Sensing Systems’ performance for the quarter. To participate, dial 888-427-9376 and reference conference ID 2023636. Please dial in at least 10 minutes prior to the call. A replay of the conference call will be available beginning at 6:45 p.m. central time on October 29, 2014 and is available until 6:45 p.m. central time on November 5, 2014. To listen to the replay, dial 888-203-1112, access code 2023636. About Image Sensing Systems Image Sensing Systems, Inc. is a global company dedicated to helping improve safety and efficiency for cities and highways by developing and delivering above-ground detection technology, applications and solutions. We give Intelligent Transportation Systems (ITS), security, police and parking professionals more precise and accurate information — including real-time reaction capabilities and in-depth analytics to make more confident and proactive decisions. We are headquartered in St. Paul, Minnesota.

ViewPoint Financial Group, Inc. Reports Third Quarter 2014 Earnings — PLANO, Texas, Oct. 21, 2014 /PRNewswire/ —

PR Newswire Conference Call The Company will host an investor conference call to review the results on Wednesday, October 22, 2014, at 8 a.m. Central Time. Participants may pre-register for the call by visiting http://dpregister.com/10052080 and will receive a unique pin number, which can be used when dialing in for the call. This will allow attendees to enter the call immediately. Alternatively, participants may call (toll-free) 1-877-513-4119 at least five minutes prior to the call to be placed into the call by an operator. International participants are asked to call 1-412-902-4148 and participants in Canada are asked to call (toll-free) 1-855-669-9657. The call and corresponding presentation slides will be webcast live on the home page of the Company’s website, www.viewpointfinancialgroup.com . An audio replay will be available one hour after the conclusion of the call at 1-877-344-7529, Conference #10052080. This replay, as well as the webcast, will be available until November 12, 2014. About ViewPoint Financial Group, Inc. ViewPoint Financial Group, Inc. is the holding company for ViewPoint Bank, N.A. ViewPoint Bank, N.A. operates 31 banking offices in the Dallas/Fort Worth metropolitan area, including two First National Bank of Jacksboro locations in Jack and Wise Counties. For more information, please visit www.viewpointbank.com or www.viewpointfinancialgroup.com . When used in filings by ViewPoint Financial Group, Inc.

US Bancorp (USB) Earnings Report: Q3 2014 Conference Call Transcript – TheStreet

Bank’s results with a summary of the quarter’s highlights on page 3 of the presentation. U.S. Bank reported net income of $1.5 billion for the third quarter of 2014 or $0.78 per diluted common share. Total average loans grew 6.3% year over year and 1.4% linked quarter. Excluding the impact from the Charter One acquisition we completed in late June, total average loans grew 5.9% year over year and 1.1% on a linked quarter basis. In addition, we experienced strong growth in average deposits and credit quality remains strong. Total net charge-offs decreased by 3.7% on a linked quarter basis. Nonperforming assets, excluding covered assets, declined on both a linked quarter and a year-over-year basis. We generated significant capital this quarter. Our common equity Tier 1 capital ratio, estimated for the Basel III standardized approach as is fully implemented, was 9% at September 30. We repurchased 16 million shares of common stock during the third quarter, which, along with our dividend, resulted in a 78% return of earnings to our shareholders in the third quarter. Slide 4 provides you with a five quarter history of our performance metrics and they continue to be among the best in the industry.

James Franklin Is the Perfect Big Ten Rival for Urban Meyer | Bleacher Report

An inefficient offensive line has been a glaring weakness, as this appears to be the year that its previous sanctions have finally caught up to Penn State. But to steal another Meyer-ism, in college football, momentum is everything, and the Nittany Lions have plenty of it. While it may not show up in their record or on the field this Saturday, Penn State is trending upward, and Meyer has taken notice. “I heard that Penn State considers Ohio State their rivalsobviously we have one. But I think its a little bit like when we played Wisconsin a couple years ago because thats really a rivalry because theres some really good teams,” Meyer said.

Marysville Advocate > News > Obituaries > Obituaries Reported In The Oct. 2, 2014, Advocate

Nancy A. Raub was born June 3, 1939, at Home City, the daughter of Orra and Lorene Kennedy Dalrymple. She married Clifford Raub Jr., Dec. 23, 1956, at Marysville. She enjoyed gardening, reading and crocheting as well as working alongside Cliff to fulfill their dream of owning and operating a ranch. Survivors include her children, Gary, Ron and Donna; four grandchildren; and three great-grandchildren. She was preceded in death by her parents; husband Clifford in 2004; brothers, Harry Dalrymple, Lawrence Dalrymple, Glen Dalrymple and Alvin Dalrymple; and sister, Marguerite Stock. A memorial fund has been established and will be designated later. Contributions can be sent in care of Padden Funeral Chapel. Marysville Advocate | Oct. 2, 2014 THOMAS N.

What’s New On Netflix In October?

By Swanni Follow @SwanniOnTV Washington, D.C. (September 29, 2014) – In October, Netflix will add more than 60 new movies and TV shows to its streaming lineup, according to Cleveland.com. The new titles include The Hunger Games: Catching Fire; the Oscar-winning Kramer vs. Kramer; the Academy Award-nominated Django Unchained; and several full seasons of popular TV shows such as Sons of Anarchy. Titles that will be added Wednesday, October 1, include: Annie; Bad Johnson; Chicken Run; Charlie’s Angels: Full Throttle; Domestic Disturbance; Ernest Saves Christmas; Finding Forrester; Galaxy Quest; Gilmore Girls: The Full Series; My Father the Hero; Paths of Glory; Rescue Dawn; Romeo & Juliet; Shane; Shadow of the Vampire; Sleepless in Seattle; Shivers; The Phantom of the Opera; Team America: World Police; Tombstone; Three Fugitives; Wedding Planner; Hostages: Season One; Hit; Kramer vs. Kramer; Jimmy Neutron: Boy Genius; and Annie: A Royal Adventure; In addition, Netflix will add these titles throughout the month: Carrie; The Vampire Diaries, season five; Reign, season one (October 2); The Originals, season one (October 3); Little Man (October 4); Hart of Dixie; In a World…; Raising Hope, season four; Supernatural, season nine; The Following, season two (October 7); Arrow, season two; Jay Mohr: Funny For a Girl (October 8); A Long Way Down; The Tomorrow People, season one (October 9); Chelsea Handler: Uganda Kidding Me (October 10); Breathe In; Heatstroke; Swelter; Why Stop Now (October 11); Witching and Bitching (October 14); Stay; Tim Minchin (October 15); Cowgirls n’ Angels (October 16); Last Man Standing, season three; Liberal Arts (October 18); The E-Team; The Hunger Games: Catching Fire; The 100, season one (October 22); Freakshow, season two (October 23); Sons of Anarchy, season six; Django Unchained; The Carrie Diaries, season two (October 25); Bound by Flesh; Rain Man (October 28). Also See:

Bank Of The Ozarks, Inc. Announces Third Quarter 2014 Earnings – Yahoo Finance

Our ability to organically grow our portfolio of high quality, good yielding loans and leases has contributed significantly to our growth and profitability in recent years. Our balance of non-purchased loans and leases outstanding increased a record $468 million in the quarter just ended and $1.01 billion for the first nine months of 2014. Additionally, our unfunded balance of closed loans increased $751 million during the quarter just ended and $1.37 billion for the first nine months of 2014, growing to $2.58 billion at September 30, 2014. Deposits were $5.14 billion at September 30, 2014, a 40.6% increase compared to $3.65 billion at September 30, 2013. A majority of such increase is attributable to deposits assumed in the Bancshares and Summit acquisitions. Total assets were $6.58 billion at September 30, 2014, a 39.7% increase compared to $4.71 billion at September 30, 2013. Common stockholders equity was $876 million at September 30, 2014, a 43.0% increase from $612 million at September 30, 2013. Tangible common stockholders equity was $768 million at September 30, 2014, a 29.7% increase from $592 million at September 30, 2013. Book value per common share was $10.99 at September 30, 2014, a 31.8% increase from $8.34, on a split-adjusted basis, at September 30, 2013. Tangible book value per common share was $9.64 at September 30, 2014, a 19.5% increase from $8.07, on a split-adjusted basis, at September 30, 2013. The calculations of the Companys tangible common stockholders equity and tangible book value per common share and the reconciliations to GAAP are included in the schedules accompanying this release. Changes in common stockholders equity, tangible common stockholders equity, book value per common share and tangible book value per common share reflect earnings, dividends paid, stock option and stock grant transactions, stock consideration issued in connection with the Companys Summit acquisition, changes in the Companys mark-to-market adjustment for unrealized gains and losses on investment securities available for sale and, for tangible common stockholders equity and tangible book value per share, changes in intangible assets. During the second quarter of 2014, the Company revised its initial estimates regarding the expected recovery of acquired assets with built-in losses in the FNB Shelby acquisition, specifically the timing and amount of expected charge-offs of purchased non-covered loans.

The New Britain Herald : New Britain, Conn., And Surrounding Areas (newbritainherald.com)

6 (Pastorale). Attendees are invited to visit furred and feathered friends on display in the lobby before the performance and during intermission. In conjunction with the concert, Maestro Sener will give a presentation at Hungerford Park on Music for the Birds in the spring at a date to be announced, focusing on the works of Olivier Messiaen. The free six-concert mini series will showcase talented Symphony musicians through intriguing ensemble groups in small intimate venues, said Judd. Included in the series are as follows: / Piano Four Hands performed by two pianists on one piano, Thursday, Oct. 30, 6:30 p.m. at the Plainville Public Library. / Brass and Organ Holiday Concert, Sunday, Dec. 7, 3 p.m., at St. Marks Episcopal Church. / Voice, Flute and Harp Trio, Valentines Concert with music expressing love through the ages, Sunday, Feb. 8, 3 p.m., at Mooreland Hill School. / Recorder Consort with an invitation to young students to bring their recorders to play Twinkle, Twinkle Little Star with professional musicians, Thursday, March 19, 6:30 p.m., at the New Britain Public Library.

Stock Market News for October 16, 2014 – Market News – NASDAQ.com

At one point the index had turned negative for the year. The Dow at one, point dropped as much as 460 points and the Nasdaq briefly entered correction territory. However, late signs of strength among small-cap and energy shares helped benchmarks reduce some of the day’s losses. The Russell 2000 Index of small-cap stocks defied the selloff and ended in the green zone. The index was up 0.7% at 1069. Energy stocks staged a comeback on Wednesday. The Energy Select Sector SPDR (XLE) gained 0.8%. Key energy stocks including Halliburton Company ( HAL ), Chesapeake Energy Corporation ( CHK ) and EOG Resources, Inc.

Invitation: Kemira To Publish January-september 2014 Results On October 22, 2014 – Yahoo Finance

EU September Annual Inflation Falls to Five-Year Low – NASDAQ.com

Kemira will arrange a press conference for analysts and the media starting at 10.30 am (8.30 am UK time) at Kemira House, Porkkalankatu 3, Helsinki. In the conference, Kemira`s President and CEO Jari Rosendal and CFO Petri Castren will present the results. The press conference will be held in English and will be webcasted at www.kemira.com/investors . The webcast will be available at www.kemira.com/investors also after the event. Presentation material will be available on Kemira`s website at www.kemira.com/investors under Investors in English and at www.kemira.com/fi/sijoittajat in Finnish at about 10.00 am. Conference call in connection to the press and analyst conference You can also listen to the conference live over the phone and attend the Q&A session via a conference call. In order to participate in the call, please dial ten minutes before the conference begins: FI: +358 9 817 10465 SE: +46 85 1999355

In its preliminary estimate, Eurostat had calculated that the core rate of inflation for the eurozone–which strips out volatile items such as energy and food–had fallen to 0.7% from 0.9% in August. Speaking in his monthly news conference, Mr. Draghi acknowledged that was a worry, since it indicated the downward pressure on prices had spread beyond food and energy and may increasingly reflect weak domestic demand. But Eurostat Thursday raised its estimate of core inflation to 0.8%. Central bankers and economists aren’t worried so much about falling prices as about the threat that consumers and businesses will come to expect prices to continue to fall and will postpone their purchases, weakening economic growth and pushing prices down further. Some economists warned that further falls in food and energy prices could lead to expectations that inflation will remain well below the ECB’s target of just under 2.0%, or weaken further. The ECB’s immediate goal in announcing its various stimulus measures has been to ensure that doesn’t happen. “We think the degree to which European inflation expectations have become unhinged to the downside is now somewhat alarming,” economists at UBS wrote in a note to clients. “Recent sharp declines in food and energy prices suggest further downside for headline inflation outcomes in the period ahead that could further weigh on those inflation expectations.” Other figures released by Eurostat pointed to a weakening of domestic demand in August. Although the eurozone’s trade surplus widened to EUR9.2 billion ($11.68 billion) from EUR7.3 billion in August 2013, seasonally adjusted figures showed the change was driven by a decline in imports rather than a pickup in exports.

Retail sales fall more than forecast in September | The Herald Business Journal

The world’s biggest food maker said revenue in the nine months through September advanced 4.5%, less than the 4.7% estimated by analysts in a Bloomberg poll. The result cast doubt on the Vevey-based company’s ability to hit full-year targets in the face of slowing economies from Europe to Asia. The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of The NASDAQ OMX Group, Inc. Copyright (C) 2014 MTNewswires.com. All rights reserved. Unauthorized reproduction is strictly prohibited. This article appears in: Investing , Commodities Referenced Stocks:

Swiss-Based Nestle Drops More Than 3% After Missing Nine-Month Sales Estimates – NASDAQ.com

The median forecast of 81 economists surveyed by Bloomberg called for a 0.1 percent decline. The pickup in hiring has failed to spur bigger gains in wages, which means households have yet to see the kind of jump in purchasing power that will drive sustained increases in demand. The recent drop in gasoline costs will give consumers extra cash to spend on other goods and services in coming months, helping underpin the biggest part of the economy. The pickup in consumption that were all waiting for hasnt quite taken off yet, said Omair Sharif, a U.S. economist at RBS Securities Inc. in Stamford, Connecticut, the top retail-sales forecaster over the past two years, according to data compiled by Bloomberg. The fact that real wages and salaries havent picked up that dramatically, it puts a ceiling on how much spending can accelerate. Another report Wednesday showed manufacturing in the Federal Reserve Bank of New Yorks region slowed more than projected in October. The banks so-called Empire State index dropped to 6.2 this month from an almost five-year high of 27.5 in September. Readings greater than zero signal growth. Estimates in the Bloomberg survey ranged from a drop of 0.5 percent to a 0.3 percent gain. August and July retail sales were unrevised. The figures used to calculate GDP, which exclude categories such as food services, auto dealers, home-improvement stores and service stations decreased 0.2 percent, the first drop since January, after rising 0.4 percent in August. Eight of 13 major categories showed decreases last month, four were up and one was little changed. Those seeing a decline in demand included auto dealers, service stations, furniture stores and building material merchants. Purchases at clothing stores dropped 1.2 percent, the most since October 2012.