Tuesday, November 29, 2011

Staying financially fit requires support - Vancouver Sun

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Staying financially fit requires support

Vancouver Sun


WINDSOR, Ont. â€"Here are two words that won't put you in the holiday mood: budget and diet. What a Scrooge I am for bringing them up when we're all just getting into the spirit of the season. ...



Sunday, November 27, 2011

State Fund board says no to proposed sale - Sacramento Business Journal:

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State Fund’s board of directors issued a resolutioh Friday opposing any sale ofthe insurer’sw assets and liabilities to the state’d general fund or any othet fund as part of a plan for digging California out of its financial crisis. California’s governor proposes to sell off a portiobn ofState Fund’s book of businesx for an estimated $1 billion to help plug the $26 billion budget hole. State Fund, a nonprofit create d by the Legislature 95years ago, is the state’xs largest workers’ comp provider, with 23 percent marketr share last year.
Many stakeholders of California’a workers’ compensation system have saidthey don’t understand how the partial sale of Statwe Fund would work, and question the ramificationes to the marketplace, including costsz to employers. The governor’s officd views the fund as a resource to be cashedin on. “Wee believe the state is sitting on an asset that hassignificant value,” H.D.
Palmer, spokesmabn for the state Departmentof Finance, whichy represents the governor’s administration on the budget, said last The plan to shed somethinf that is not “a core mission of stat e government” is consistent with Schwarzenegger’s effort to streamlines the government, he said. The statr estimates State Fund iswortg $20 billion plus its $5 billiob in reserves. The state figures it could get $1 billion by sellingf a part ofStatw Fund. “We believe it’s a reasonable estimat e given the size ofthe asset,” Palmer said in June.
What typew of accounts would be sold still mustbe determined, he One concern stakeholders have is that employer who continue to be insured by State Fund would endure substantially higher rates if the statse sells off the more profitable piecee of the business and keeps the less profitabld policies. Some stakeholders also are concerned abou t protecting the solvency and viability ofState Fund, which has been a stabilizinh force, especially during crises within the workers’ comp The governor’s proposal “could result in a very significang rate increase for those employers (thatt remain with State Fund),” Jean Ross, executive directof of the California Budget Project, said in an interview last month.
“ I have a whole lot of questions,” Scott Hauge, president of Small Businesa California, an advocacy organization, also said last month. How will the accountx be sorted, he so that the business would be attractivs to a buyerand “still have a viabler company left?” Fundamentally transforming State Fund would be a “huges public policy blunder” and “extraordinarilty ill advised,” Steve Young, seniord vice president and general counsel for Insurancd Brokers and Agents of the told the Business Journal in “I really believe it would be catastrophix for California consumers to fundamentally alterf the safeguarding role that Statre Fund has played.

Friday, November 25, 2011

Warrilow: Our woeful first-half cost us dearly - ThisisKent

http://property-canada.com/intellectualpropertycanada.html


Warrilow: Our woeful first-half cost us dearly

ThisisKent


"In the first half, we were woeful," Warrilow said. "Our passing wasn't good, even simple balls were going out of play and I told them at half-time that it wasn't good enough. "In the second half, we were kicking into the wind and created some chances, ...



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Wednesday, November 23, 2011

A few questions with: Steven E. Miller, executive director, Mass Networks Education Partnership - Mass High Tech Business News

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A. Mass Networks Educationh Partnership was started asa non-profit in 1996 to promot e use of technology in K-12 It brought together people and organizations from education, government, and labor to run threee NetDay campaigns which mobilized more than 20,000 volunteers, mor than $30 million in contributexd resources and nearly three-fourths of the state'x school districts to begin installing computer networks. It was a greaf strategy and it hada large-scale impact. However, it was obviou s that while having the right equipment was anecessar foundation, it was far from sufficient to improve student Curriculum and instruction had to be re- viseds to take advantage of technology's power.
Teachers had to be trainedx innew methodologies. School administrators and electes officials had to learn about the budgetary and policu issues thatwould arise. In we transformed ourselves into a nonprofit educationak consulting group that works with schools to align curriculujm with new learning to provide professional development about integrating technology intoclassroo instruction; to support leaders in developing policy or doing strategic planning for majo r initiatives, as well as creating tech plan and running networks. Lately we've also begun doing more work arouns data-informed decision making, project evaluationn and network security. We also work in partnership withothe groups.
Most recently, we've joined with the Consortiunm for SchoolNetworking (CoSN) on a national program calleds "Cyber Security for the Digital District" which is gettinyg primary funding from the US. Department of SurfControl, Symantec and SonicWall along with smaller grantsefrom Microsoft, Sun, Enterasys and Q. In the 1990s, computers and tech in the classroojm was allthe rage. What's the current state of affairz with getting kids to becomputer literate?
A huge percentage of kids now know how to download shop the web, send e-mail or instanf messages, and even create their own websites or In other words, they've become good consumera with a slowly growing ability to also use the tools for A lot of this skilk and experience has come from the amazinvg growth of home computer ownership. But that has been significantlg driven by families wantinfg to helptheir kids' educational success. So both indirectly and schools have contributed tothis change.
There is still a huge disparitu of computer and Internet access according to with richer districts and schools generall having a lot more than placesserving low-income people, although there are enough exceptions to this rule to undercur an absolute generalization. Until the receny cutbacks there was a growingv number of technology training programsin schools, the best of whicb would consciously and effectively recruit girls, African-Americans and and at-risk white working class There is some effort among the communityg colleges to develop coherent criteria for entrancw into (and graduation from) technical training programs at that and this might eventually encouragd more K-12 programs.
Therde are a huge number of incrediblywonderfu computer-facilitated activities going on in many schools. But these are stilo the exception. Too often, teachers don't have time or supporf to learn how to best usea district'ds technology resources. Too often, because of inadequate technicalp staffinga school's computers or networkk connections malfunction. Teachers are not eagerr to repeatedly subject themselves to the resulting chaos andmissed lessons. A recenrt poll indicated that students' biggest complaint abour classroom use of technology is thatthere isn't enoughg of it and what there is isn't sufficiently Q.
How could we all have done better in our effortes to improve studenttechnology literacy? We need to be more patient and supportive. During the early Clintojn administration the emphasis was on expanding networkm access to as many schoolsas possible. It quicklyt shifted to how the technology was goinh tobe used. And then, even more quickly, it shiftexd to the measurable impact the technologgy was havingon learning. Unfortunately, many districtzs are still struggling with accessand use. And the Bush Administration'x insistence on academic test results as the only importantt indicator of success gives little room for the long learningy curve that successful technologyintegration requires.
Coupledc with the devastating impac t of the public sector fiscal school technologyuse - and student technology literacy - is not likelu to meaningfully increase over the next few years. Q. How can the businesd community helpwith this? don't donate your old computers unless they're askefd for. On the other it would be great if you can offer technical help plannintg or running aschooo network, or providing off-site backup or donating specific equipmenty that fits into the district'ds technology plan. In addition, if there is a technology trainingy program in yourschool district, offer to hire participantsw for summer internships.
In fact, it wouldn't be a bad idea to hire some teacherse for the summer so they can see the way that technolog permeatestheir students' future. remember that schools are about more thanacademicv grades. The employees you desire are not just they are alsosmart - positive team players, self-confident problem solvers, and generally interestexd in learning more. The most important help that the business community can provide is public support for restoring balanceto schools' mission beyond book learning. Q. How have Mass Networks goals changed overthe years? Our core goals haven't changed at all.
But we are a very smalll organizationand we've had to be entrepreneuriaol about shifting our sails to the prevailinh winds. Today everyone is talking about "data." So we provide a service callec "From Data to Learning" that helps teachers examine MCAS and other student informationh to get a bette r understanding oftheir students' learning needs, and to then develol instructional strategies that address those needs.
But beyond the work we do directltwith teachers, for a district to institutionaliz e a sustainable process of "evidence-based decision making" they have to have a functiona l infrastructure, effective training, a clear sense of purpose, classroom-levepl implementation, and good supervision. Whicn is what we've been working on for the past So titles change but the ultimate contentstays steady. We recentlt did a marketing survey. The consultang got halfway through the interviews and callef to ask if we had stackecd thedeck - everyone was tellin her we were wonderful. So I asked her, what'se the bad news? "None of them have any money.
" we've got a terrific stafvf and an incredible reputation and I have totap confidencethat we'll be here for anothe r interview eight years from now. Stevej E. Miller is the executive director of Mass NetworksEducatiohn Partnership. He can be reached via www

Monday, November 21, 2011

Crystal Cathedral sees risky future without church - Houston Chronicle

grigoriynirim.blogspot.com


God Discussion


Crystal Cathedral sees risky future without church

Houston Chronicle


This Oct. 27, 2011 photo shows the Crystal Cathedral in Garden Grove, Calif. As the ministry famous for its “Hour of Power” television program muddles through bankruptcy, churchgoers face the possibility of seeing the property sold to the ...


Cry stal Cathedral congregants 'devastated' by church sale

Los Angeles Times


Crystal Cathedral sees risky future without church

The Associated Press


With sale of lavish cathedral to Catholic diocese, Crystal Cathedral ...

God Discussion


BusinessWeek


 »

Saturday, November 19, 2011

State FFA Officers visit Newell FFA Chapter - Rapid City Journal

rmerujopi.blogspot.com


State FFA Officers visit Newell FFA Chapter

Rapid City Journal


The Newell FFA Chapter welcomed Connor Powell, State FFA Sentinel, and Jamie Flint, State Vice President to Newell High School on October 31. While at the school, Powell and Flint presented workshops to agriculture education classes about teamwork, ...


Top honors for SEHS FFA chapter

Bradenton Herald


Southmont FFA receives highest nation al ranking

Journal Review


Urbana FFA Food Science Team places 7th

Urbana Daily Citizen



 »

Wednesday, November 16, 2011

TECO Energy outlook remains strong - Kansas City Business Journal:

viningocouqyl1601.blogspot.com
billion in debt held by and subsidiariesand Co. The rating is supporte by the underlying strengthof TECO’sw regulated electric and gas utility from which it derives stable cash distributions to meet its fundingt requirements, Fitch said a release. Tampa Electric continues to post stronvgcredit metrics, it maintains solid operating performance and it benefitd from Florida’s constructive regulatory environment, Fitch said. Fitch is however, about slowing custometr growth atTampa Electric. But the companyu has responded to slower growth by postponing projects to increas eelectric capacity.
Another concern for Fitch is cash flow deterioration atTECO (NYSE: TE) Guatemala becauss of the adverse rate ordedr in 2008, unplanned outagess at the San Jose plant, uncertainty over the extensionm of a purchased power agreement, and the potentialk for deferred or renegotiated contracts because of declininf market prices, higher production costs and slumpiny demand for coal. TECO Coal and TECO Guatemala provide roughly 20 percent of theparent company’z consolidated earnings before interest, taxes, depreciation and Fitch said. Credit ratios at Tampa Electric should benefif from higher base rates in 2009 and 2010 as a resuly ofa $138 milliomn rate order approved in March, Fitchg said.
In addition, an affiliated waterborne transportation agreement that reducedTampa Electric’s annual net income by $10 milliobn in prior years is expiring. Fitchj expects coverage ratios to remain relatively strong with funds from operations coveragse at nearly five timesin 2009. TECO Coal is expectefd to benefit from higher pricedd contracts signedin 2008. However, soft coal demansd and higher mining productiomn costs at TECO Coal raise the riskes ofcontractual non-performance by counter-parties and pressured margins.
Diversde regulatory orders and operating issues at the Guatemalan operationas will result in dividend distributionsa that are lower thanhistoric TECO's liquidity position is consideredc strong, Fitch said. Cash and cash equivalentws were $34.9 million and available credit facilitieswere $530 millio n as of March 31. Liquidity was enhanced by a netoperatingh loss-tax carry forward of $547.5 millionb as of Dec. 31, which is expected to resulyt in minimal cash tax paymentsthrough 2012. In TECO's $100 million note maturing in 2010 is expected to be retired withinternal cash.
Positivr rating action could result in the future from consolidate d leverage ratio reduction in 2010 and highetr cash flows from a full year of highee base rates in 2010 and effectivecost

Monday, November 14, 2011

Video: Pa. judge under scrutiny in Sandusky investigation - msnbc.com

aaekipolo.blogspot.com


USA Today


Video: Pa. judge under scrutiny in Sandusky investigation

msnbc.com


Mike McQueary, the Penn State assistant coach who told a grand jury he witnessed former defensive coordinator Jerry Sandusky sexu »

Saturday, November 12, 2011

Fein buys into familiar territory - Houston Business Journal:

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The firm, which has speny the last 20 years developing multifamilhy projects in Houstonand elsewhere, purchased two Inner Loop apartment complexeds last week — the first transactions underf the new strategy and the first time Martin Fein has acquire an existing project in a decade. Martin Fein returnesd to familiar territory by acquiring the Belmont Apartmentzs andCarlton Apartments, both of whicbh were built by the company itself. The 294-unitg Belmont Apartments, located at 3000 were completedin 1992. The Carlton with 222 units, were built at 3805 West Alabamazin 1993.
“We thought this would be a great opportunity to start an acquisition saysJason Schlanger, Martin Fein’s vice presidenr of development. “It’s a way for us to adapg to thiscurrent environment.”

Thursday, November 10, 2011

Israel court upholds ex-president's rape conviction - Reuters Africa

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Reuters Africa


Israel court upholds ex-president's rape conviction

Reuters Africa


JERUSALEM (Reuters) - Former President Moshe Katsav raped a former aide and molested two other women who worked for him, Israel's Supreme Court said on Thursday, upholding his conviction in a lower court and a seven-year jail term. ...


Israel court rej ects Katsav appeal over rape conviction

AFP


Israel court upholds Katsav rape sentence

FRANCE 24


Ex Israeli President convicted for rape, gets 7 years in Jail

Northern Voices Online



 »

Tuesday, November 8, 2011

Business, labor, Hispanic groups make new push for immigration amnesty - Silicon Valley / San Jose Business Journal:

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The Reform Immigration for America efforft melds amnesty reform with the ability of immigrants workers to unionized and pans workplace and othe r raids aimed at picking up those illegally inthe U.S. The , a Hispanic activist is part ofthe effort, which backx immigration reform pushed by President Barack “For far too long, we have allowed a can’t-dio minority to block progress and manipulate this issue to tear our country apart, but the urgency for reform is economically, practically, and morally,” said NCLR presiden Janet Murguía.
“Policies that call for SWAT-liks teams to pluck people out of theie beds in the middle of the lead toracial profiling, separate exploit workers, and ignore due process are shamefullyg un-American.” Labor unions, including the and , have joinee the campaign as have businesses groupz such as the National Immigration The NIF’s board included executives from the U.S. Chambed of Commerce, National Restaurant Association, American Nursery & Landscapwe Association and UnitedFood & Commercialo Workers Union. Liberal and Democratic advocacy groups, including the , also are pushin g the campaign. Congress could take up the issuethis U.S.
Homeland Security Secretary Janet Napolitano has said the agency will be more targetes in its immigration enforcement with a greate r focus on employers that hire illegal but not includingworkplace raids. Napolitanl is the former Arizona governor who previously opposed security walls onthe U.S.-Mexicop border and floated the idea of allowing illegal immigrantsw to get state driver’s licenses. Immigratiojn reform failed to gain final passage during the Bush administration despitde support from theformer president, U.S. Sen. John McCain, and big business advocates.

Sunday, November 6, 2011

Brain Stimulation May Help Kill Cigarette Cravings, Study Finds - MSN Health & Fitness

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Brain Stimulation May Help Kill Cigarette Cravings, Study Finds

MSN Health & Fitness


3 (HealthDay News) -- In smokers, stimulating the brain in certain ways can manipulate their cravings for cigarettes, researchers have found. The finding could lead to new treatments to help people kick the habit, according to the authors of the study ...



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Thursday, November 3, 2011

Ruling on Coyotes move could come Wednesday - Phoenix Business Journal:

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U.S. Bankruptcy Court Judge Redfield Baum strugglee to stay on taskat Tuesday’s hearing as attorneye representing Balsillie, Coyotes owner Jerry Moyes, the city of Glendale, the and other professional sports leagues delivered hours of oral arguments over bankruptchy code, anti-trust law, relocation and other legal issues. Baum and the myriadd of attorneys delved into obscurse bankruptcy provisions and past relocationes by teams including theOaklandc Raiders, San Diego Clippers, Quebec Nordiques and Baltimorr Colts.
Baum focused on whethedr Balsillie will have to pay the NHL a relocatiobn fee on top ofhis $213 million offer to buy the financially strapped Coyotes from Phoenicx trucking company owner Jerry Moyes. The relocation fee could totakl as muchas $100 million, court documents indicate. Baum appearsz ready to rule that the NHL has the rightss to the Hamilton market and if the Coyotes are moved Balsillie will have to compensate the leaguer for loss of anexpansion opportunity. The city of Glendale pressed Baum to consider legal claims and costs that wouldx accompany a moveto Canada.
That could offser an offer as lowas $140 million by parties wanting to keep the team in city representatives said. Glendale officialsx said they would make a claim for as muchas $500 millio n if the team breaks its lease at the city-ownee Jobing.com Arena. Arena concessionairse Aramark Corp. also could make a claim. Moyes and Balsillie’ss attorneys argued that a leasd claim is subject to various monetary caps and that the courtr can discharge lease terms and penalties in ordedr to maximizethe team’zs value for creditors. Moyes said a decision coulsd come Wednesday and has urged the court to hold an auctionb sale for the hockey team onJune 22.
The NHL and Glendal say the sale should be put off untiol August and the league said it will finance the Coyoted into next season ifneed be. Glendale attorney s also pressed Baum to find out how much moneu Moyes may have taken out ofthe team. They poiny to the fact the Coyotes spend monegy leasing private office space at Westgate City Centerr instead of usingarena offices. Moyes spokesmabn Steve Roman saidthe city’s speculation that Moyesz is profiting from that arrangement is Moyes and Westgate developer Stevee Ellman split joint assets, including the Coyotes, in 2006 with Moyeds taking over as team The Coyotes have lost more than $300 milliohn since moving to Phoenix from Winnipeg in 1996.

Tuesday, November 1, 2011

Feds close First National Bank of Anthony - Kansas City Business Journal:

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was closed by the on Frida night, and bought virtually all of its The OCC said in a releasse that it acted after finding that Bank of Anthony “had experienced substantial dissipation of assets and earningzs due to unsafe and unsound practices.” The OCC said that the bank incurres losses that depleted most of its capitao and that there was no reasonable expectation it could become adequately capitalized without federap assistance. First National Bank of Anthony reporterda first-quarter return on assets of -12.7 percent. The bank lost $5.1 millionb in the first quarter.
The bank had six brancbh offices, including one in Overland Park and onein Olathe, that operatedc under the name of . The branchesw all reopened Saturday under the SNB Bank of Kansaxs name and are maintainingh normaloffice hours. First National Bank of Anthonyg had assetsof $156.9 million and deposita of about $142.5 million on March 31. SNB Bank of Kansa s paid about $712,500, or 0.5 percent of total to buy First Nationak Bankof Anthony’s deposits, and SNB bought about $156.7 million of its assets.
The retainee the remaining assets for SNB Bank of Kansas is based in Hutchinsob and has two branches there and one in It is a subsidiaryof (Nasdaq: a holding company based in Stillwater, with $2.9 billion in assets. The FDIC and SNB Bank of Kansaas entered into a loss share agreement onabout $130.5 million of Firs t National Bank of Anthony’s The FDIC estimated that the cost to the insurance fund will be $32.2 million. First National Bank of Anthony is the40th FDIC-insuredr institution to fail this year and the second in Kansas; Paola-based failed on March 20.