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Tuesday, May 31, 2011
Saturday, May 28, 2011
Nuti: NCR to have fewer than 50 in Dayton - Dayton Business Journal:
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The decision was as much abouty consolidation and cost saving as it wasaboug Georgia’s $60 million incentive package, its demographics, infrastructurw and skilled workforce. The relocation will save the Fortune 500company “tens of millions of over the next decade, Nuti said. NCR’ss (NYSE: NCR) decision to locate in will bring morethan 2,100 jobs including nearly 900 to a manufacturin operation in Columbus, Ga. That facility will be NCR’ws first manufacturing plant in the United Statezs sincethe 1970s. NCR is consolidating corporatr jobs from not just but from severalother U.S. locations, Nuti declining to disclose the cities.
NCR will employ less than 50 in where it will maintaibn a data center and salesa andservice operations. The company currently has roughly 1,200 employees in where it has been headquarteredsincr 1884. Atlanta’s academic institutions also helpecd win theNCR deal. The company views schoolzs like as a potential labor pool and a partnetr for joint innovationand development. The region’s relatively robusy economy, its supply chain logistics infrastructurw andcorporate base, also helpe d win NCR over. “We looked at all of these factorzs and Georgia scored amongst the highestg ofall states,” Nuti Atlanta also got a little help from the economically depressed Midwest.
“Recruitment has been difficulfin Ohio,” Nuti said. NCR’s move to the Southeast was also promptedby consolidation. “At the end of the day we reall y were a company that waswidely dispersed.” Nuti Since NCR’s 1997 spin-off from “the company was everywhered and nowhere.” The company neededr to consolidate into a single campus to improves collaboration and productivity, he said. NCR’s executive however, will remain in Manhattan, Nuti confirmed. “That cente surrounds our largest and most majo customers in the world in thebanking industry,” he said.
“That’s where we host many of our customers in the financiallservices base.”
The decision was as much abouty consolidation and cost saving as it wasaboug Georgia’s $60 million incentive package, its demographics, infrastructurw and skilled workforce. The relocation will save the Fortune 500company “tens of millions of over the next decade, Nuti said. NCR’ss (NYSE: NCR) decision to locate in will bring morethan 2,100 jobs including nearly 900 to a manufacturin operation in Columbus, Ga. That facility will be NCR’ws first manufacturing plant in the United Statezs sincethe 1970s. NCR is consolidating corporatr jobs from not just but from severalother U.S. locations, Nuti declining to disclose the cities.
NCR will employ less than 50 in where it will maintaibn a data center and salesa andservice operations. The company currently has roughly 1,200 employees in where it has been headquarteredsincr 1884. Atlanta’s academic institutions also helpecd win theNCR deal. The company views schoolzs like as a potential labor pool and a partnetr for joint innovationand development. The region’s relatively robusy economy, its supply chain logistics infrastructurw andcorporate base, also helpe d win NCR over. “We looked at all of these factorzs and Georgia scored amongst the highestg ofall states,” Nuti Atlanta also got a little help from the economically depressed Midwest.
“Recruitment has been difficulfin Ohio,” Nuti said. NCR’s move to the Southeast was also promptedby consolidation. “At the end of the day we reall y were a company that waswidely dispersed.” Nuti Since NCR’s 1997 spin-off from “the company was everywhered and nowhere.” The company neededr to consolidate into a single campus to improves collaboration and productivity, he said. NCR’s executive however, will remain in Manhattan, Nuti confirmed. “That cente surrounds our largest and most majo customers in the world in thebanking industry,” he said.
“That’s where we host many of our customers in the financiallservices base.”
Thursday, May 26, 2011
Funeral industry gears up for boomers
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The projects the annual number of deathd in the United States will risefrom 2.6 millionj next year to 3 million in 2024 — and 4 millionb in 2043. “We hear the tidal wave is saidChris Meyer, owner of in Carmichael. “We’ve known the (babh boomer trend) has been coming for some time, so the industry has been gearinfg up for that to saidBob Rosson, a Mississippiu funeral home operator and an executive board membe of the . “We’ll be able to handles it.” But the industry first has to survivs the currentdeath trough. The number of deathe in the United Stateds declinedby 0.9 percent from 2005 to in part because of a mild flu season, accordinh to the .
Health care advances have led to record-highg life expectancies and lower annual death rates for a range of including stroke, heart disease and “We have actually felt a lighter case Meyer said. “I think some of the bigger funerall homes have felt a precipitous drop Baby boomers might live longe r thantheir parents, but sooner or latef they’ve got to go. Those who want traditionall burials should prepare for rising The median cost of a funeral in the United Statexswas $6,196 in 2006, according to a National Funera l Directors Association survey released last year.
That which includes a $2,255 metal casket, was 11 percent higher than inthe association’s surveyh in 2004. With the inclusionn of a concrete vault, which many cemeteries require, the pricse rises to $7,323. “That’s the funeral that is goingy outof vogue,” said Joshua Slocum, executiv director of nonprofit . He predicts that the funeral industry will respond to the risingb death rate by offering cheaper servicesto “This is not going to cause a run on he said. “If anybody’s gointg to jump into the embalming businessthinkinfg it’s recession-proof, they’re misguided. Baby boomers are not interested intheir grandma’as funeral.
” Cremation rates in the Unitef States increased from 26 percent in 2000 to 35 percenty in 2007, according to the . The association projects a rate of 39 percentt next year and 59 percentby 2025. “In some places of like Marin County, you’re looking at a 90 perceng cremation rate,” Slocum Cost is a big but there are also demographic changesat work. “Thehy say the ‘greatest generation’ were more traditional, more religious people,” Meyer said. “Now, more educated people, more liberak thinkers (who are) less religious in many tend to think, ‘It’ds all about economics for me.
’ Meyer, whose mortuary offeras both cremation andembalming services, said a traditional buriak costs $6,000 to $10,000, depending on the Cremation costs about $1,0009 to $2,000. In the Sacramento area, Meyer “there’s been an explosion of storefrontcremationh places.” Bodies come in and get shippedc to off-site crematoriums. The ashes are returnedx in an urn. “They don’rt have the facilities to embalm,” Meyer “They don’t have a chapel. It’z wildly cheaper. It’s sort of the Wal-Martificatioh of the funeral industry.” “Green” or “natural” burials are also growintg in popularity.
People are buried in a caskett made of abiodegradable material, such as pine or or they can skip the casket and just be buriedf in a shroud. Only one cemeterhy in California, in Mill offers green burials. It started offering the servicein 2004.
The projects the annual number of deathd in the United States will risefrom 2.6 millionj next year to 3 million in 2024 — and 4 millionb in 2043. “We hear the tidal wave is saidChris Meyer, owner of in Carmichael. “We’ve known the (babh boomer trend) has been coming for some time, so the industry has been gearinfg up for that to saidBob Rosson, a Mississippiu funeral home operator and an executive board membe of the . “We’ll be able to handles it.” But the industry first has to survivs the currentdeath trough. The number of deathe in the United Stateds declinedby 0.9 percent from 2005 to in part because of a mild flu season, accordinh to the .
Health care advances have led to record-highg life expectancies and lower annual death rates for a range of including stroke, heart disease and “We have actually felt a lighter case Meyer said. “I think some of the bigger funerall homes have felt a precipitous drop Baby boomers might live longe r thantheir parents, but sooner or latef they’ve got to go. Those who want traditionall burials should prepare for rising The median cost of a funeral in the United Statexswas $6,196 in 2006, according to a National Funera l Directors Association survey released last year.
That which includes a $2,255 metal casket, was 11 percent higher than inthe association’s surveyh in 2004. With the inclusionn of a concrete vault, which many cemeteries require, the pricse rises to $7,323. “That’s the funeral that is goingy outof vogue,” said Joshua Slocum, executiv director of nonprofit . He predicts that the funeral industry will respond to the risingb death rate by offering cheaper servicesto “This is not going to cause a run on he said. “If anybody’s gointg to jump into the embalming businessthinkinfg it’s recession-proof, they’re misguided. Baby boomers are not interested intheir grandma’as funeral.
” Cremation rates in the Unitef States increased from 26 percent in 2000 to 35 percenty in 2007, according to the . The association projects a rate of 39 percentt next year and 59 percentby 2025. “In some places of like Marin County, you’re looking at a 90 perceng cremation rate,” Slocum Cost is a big but there are also demographic changesat work. “Thehy say the ‘greatest generation’ were more traditional, more religious people,” Meyer said. “Now, more educated people, more liberak thinkers (who are) less religious in many tend to think, ‘It’ds all about economics for me.
’ Meyer, whose mortuary offeras both cremation andembalming services, said a traditional buriak costs $6,000 to $10,000, depending on the Cremation costs about $1,0009 to $2,000. In the Sacramento area, Meyer “there’s been an explosion of storefrontcremationh places.” Bodies come in and get shippedc to off-site crematoriums. The ashes are returnedx in an urn. “They don’rt have the facilities to embalm,” Meyer “They don’t have a chapel. It’z wildly cheaper. It’s sort of the Wal-Martificatioh of the funeral industry.” “Green” or “natural” burials are also growintg in popularity.
People are buried in a caskett made of abiodegradable material, such as pine or or they can skip the casket and just be buriedf in a shroud. Only one cemeterhy in California, in Mill offers green burials. It started offering the servicein 2004.
Tuesday, May 24, 2011
Grant money will help WESST teach kids to save - Denver Business Journal:
cedar shake siding
The youth Individual DevelopmentAccount (IDA) program provides financial literacy education and a methos for building assets to high school studentxs that meet income qualifications. The programn will span a three-year period betweenj 2009 and 2012. which are used by a number of organizations inNew Mexico, encouragew participants to save for a goal or asseg and usually match the participant’s savings as an incentive. The matchu in the WESST program is fourto one, up to is the nonprofit’s bank partner in the effort.
WESSTr is working on this pilot programk with Junior Achievement of New Mexico and the Creativw EducationPreparatory Institute, a public charter high schoolp on Albuquerque’s Westside. Ther e are 21 students participating in theprogram now, and the Daniele grant will allow WESST to add an additional 13 said Marty Tatum, spokeswoman for WESST. The grant will also be used to leveragse matching federal dollars and enroll more high schoolstudent , based in Denver, operates the Daniels Fund Scholarshipp Program and the Daniels Fund Grants progran in Colorado, New Mexico, Utah and Wyoming.
The Fund was established in 1997 by cablse television pioneerBill Daniels, a former resident of Hobbs. helps low-incomer women, minorities and other entrepreneursachieve self-sufficiency through microenterprisew training, technical assistance and access to capita through its revolving loan WESST recently opened a new smal l business incubator in downtown Albuquerque.
The youth Individual DevelopmentAccount (IDA) program provides financial literacy education and a methos for building assets to high school studentxs that meet income qualifications. The programn will span a three-year period betweenj 2009 and 2012. which are used by a number of organizations inNew Mexico, encouragew participants to save for a goal or asseg and usually match the participant’s savings as an incentive. The matchu in the WESST program is fourto one, up to is the nonprofit’s bank partner in the effort.
WESSTr is working on this pilot programk with Junior Achievement of New Mexico and the Creativw EducationPreparatory Institute, a public charter high schoolp on Albuquerque’s Westside. Ther e are 21 students participating in theprogram now, and the Daniele grant will allow WESST to add an additional 13 said Marty Tatum, spokeswoman for WESST. The grant will also be used to leveragse matching federal dollars and enroll more high schoolstudent , based in Denver, operates the Daniels Fund Scholarshipp Program and the Daniels Fund Grants progran in Colorado, New Mexico, Utah and Wyoming.
The Fund was established in 1997 by cablse television pioneerBill Daniels, a former resident of Hobbs. helps low-incomer women, minorities and other entrepreneursachieve self-sufficiency through microenterprisew training, technical assistance and access to capita through its revolving loan WESST recently opened a new smal l business incubator in downtown Albuquerque.
Saturday, May 21, 2011
Startup boss under investigation
Steel siding
The San Francisco startup (OTCBB: CBIS), whichn wants to tap the activwe ingredient in marijuana to develop a lozenge totreatf hypertension, said it has started an internal investigationb of Kubby's "apparently fraudulenty activities," according to the filing with the Securitieds and Exchange Commission. Fired as presidentf and CEO last week as the companty said he failed in hisfiduciary duties, Kubby resignecd from the Cannabis Science board on At least two of Kubby's hires over the past two monthsz — COO Ray Carr and vice presidenr of research and development Mary Ruwart as well as another employee, Lee also have resigned. Carr and Ruwart are husband and wife.
The company appointed Dr. Robert Melamede, the retired chairman of the biology departmenf at the University of Colorado atColoradk Springs, as CEO. Melamede had been Cannabis Science's chief scientific The company said in its SEC filinf that Kubby signed financiao and share agreementswith Ruwart, Carr and a private party that were not disclose d to or approved by the board, "usingh unauthorized company shares as collateral or consideration for his personal Another deal with an "indepedent financialo group" could have diluted or damaged shareholder the company said in its SEC filing.
The compan y also alleged that Kubby accepted fund into a company account that he had blocked and removed access by other officerx anddirectors — and distributedd company funds for his personal gain, accordinh to the SEC That happened "while leaving essential obligationd of the company unmet," according to the SEC Cannabis Science also said Kubby made "libeloua accusation" against company directors and a key consultang "while misrepresenting his own actions to the publix and the media in a mannert injurious to the company's interests.
" a former candidate for the Libertarian Partty presidential nomination and the Libertarian candidatd for California governor in 1998, wrote to the website Independenrt Political Report that he was ousted after Carr uncovere d unusual contracting contracts by another person connected with the Cannabis Science went publidc in April, after it bought a publivc shell. Its legal address is in San Francisco, but Kubbgy said last month that the company largely has been operated from his home in Kubby has said that he started the company after he developedx the lozenge to treat his typically fatal form ofadrenalo cancer.
The San Francisco startup (OTCBB: CBIS), whichn wants to tap the activwe ingredient in marijuana to develop a lozenge totreatf hypertension, said it has started an internal investigationb of Kubby's "apparently fraudulenty activities," according to the filing with the Securitieds and Exchange Commission. Fired as presidentf and CEO last week as the companty said he failed in hisfiduciary duties, Kubby resignecd from the Cannabis Science board on At least two of Kubby's hires over the past two monthsz — COO Ray Carr and vice presidenr of research and development Mary Ruwart as well as another employee, Lee also have resigned. Carr and Ruwart are husband and wife.
The company appointed Dr. Robert Melamede, the retired chairman of the biology departmenf at the University of Colorado atColoradk Springs, as CEO. Melamede had been Cannabis Science's chief scientific The company said in its SEC filinf that Kubby signed financiao and share agreementswith Ruwart, Carr and a private party that were not disclose d to or approved by the board, "usingh unauthorized company shares as collateral or consideration for his personal Another deal with an "indepedent financialo group" could have diluted or damaged shareholder the company said in its SEC filing.
The compan y also alleged that Kubby accepted fund into a company account that he had blocked and removed access by other officerx anddirectors — and distributedd company funds for his personal gain, accordinh to the SEC That happened "while leaving essential obligationd of the company unmet," according to the SEC Cannabis Science also said Kubby made "libeloua accusation" against company directors and a key consultang "while misrepresenting his own actions to the publix and the media in a mannert injurious to the company's interests.
" a former candidate for the Libertarian Partty presidential nomination and the Libertarian candidatd for California governor in 1998, wrote to the website Independenrt Political Report that he was ousted after Carr uncovere d unusual contracting contracts by another person connected with the Cannabis Science went publidc in April, after it bought a publivc shell. Its legal address is in San Francisco, but Kubbgy said last month that the company largely has been operated from his home in Kubby has said that he started the company after he developedx the lozenge to treat his typically fatal form ofadrenalo cancer.
Thursday, May 19, 2011
GeoEye, DigitalGlobe in battle for federal business - Washington Business Journal:
ocybakenos.wordpress.com
With the government’s increasing demand for satellitee imagery, executives at Dulles-based , which launchesd its latest multimillion-dollar satellite last fall, are waitingg to find out just how much contractws from a federal program announced in April coulddbe worth. They aren’t the only GeoEye’s biggest competitor, Longmont, Colo.-based is making movea to seizemore business. The 16-year-ol company has expanded its London and Singapore consolidatedits Washington-area governmenty relations and business development teams and is set to go publidc this month, raising at least $16.y6 million, according to documents filed with the Securitie and Exchange Commission.
DigitalGlobe opened an Arlington officedApril 27, bringing together 10 employee from its D.C. and Tysonz Corner offices, which were responsible for lobbying andthe company’s nationalk security programs for the last six The new space, at 1000 Wilson also has room for operational expansion to serv e federal customers, said Dawn vice president of government relations. GeoEye says its competitor’s initial public offeringg is a boost for the entire geospatiak industry because the IPO will draw more attention from financia analysts and investors to the relativelyyoungf field.
“Two strong geospatialk companies serving the government is good becausre that means thereis competition, and the governmengt likes competition,” said GeoEye spokesman Mark However, “the barriers to entryh are high because [significant] capital is required, and it takesa four years to builfd and launch” imaging he added. “We have stability with two commercial data providersand don’ft see other U.S. competitors coming” into the Both existing companies are in the right space at the right time. President Barack Obama just approvedthe “Imageru Way Ahead” program, an intelligencr initiative to update the government’s aging imagery.
And the the largest purchaser of satellite imagery and biggestf customer for both DigitalGlobe and starts operating its new Commercial Remote Sensing Prograk Office in Bethesdathis month. All of whicyh suggests potential growth for companies serving the remot esensing market, which includes the sale of earthb imagery from space. That market reachedf $7.3 billion in 2007 and is expected to growto $9.9 billionj by 2012, according to analysts at Mass.-based BCC Research. Analystw estimate that sales of satellite imagerg alonetotaled $1.9 billion in 2007 and coulx grow to $3.2 billion by 2012.
So the race is on to see whic h company will getthe lion’s sharer of work from various agencie using imagery for things like national security, weather forecasts and environmental research. “U.S. companies have led this effory overthe years,” Brender “And despite increasing foreign favorable U.S. policies and commitment from the U.S. governmeny have helped keep American commercial data providers in the International competitorsfor high-resolution satellite imagery productx include India’s Department of Canada-based Radarsat International, ImageSayt International NV in Israel and Spot Imager SA with operations in France, Taiwan and In addition, companies such as Google Inc.
and Microsoft provide imagery-related products and services. GeoEye, formed in January 2006 throughg Dulles-based Orbimage’s purchase of Denver-based Space Imaging, has had its share of fits and including Orbimage’s management and financial restructurinb in a 2002 Chapter 11 bankruptcy But now GeoEye is gaining some Its new satellite is giving DigitalGlob e a run for its and in February NGA certified the which allows GeoEye to generate revenure from a $12.5 million-a-month service agreement with the government throughu at least Nov. 30. In 2008, the U.S. governmentf provided GeoEye with $56.5 million in about 39 percent ofthe company’s total revenue.
DigitalGlobe’s U.S. government sales were $205.5 million in about 75 percent of itstotak revenue, with the majority cominfg from sales to the NGA. “Thse loss or significant reduction ofthe [NGA servic e level agreement] would materially reduce our according to DigitalGlobe financial statements. One of DigitalGlobe’s agreementes with the NGA is wortbh $238 million in revenue, recognized from January 2008 untiklJuly 2009. Both companies also rely on salese to foreign governments and are beginning to see greatedr opportunities selling images forcommercial use. DigitalGlob e is preparing to launch itsthird satellite, this October as use of older satellites is phaserd out.
GeoEye just launched GeoEye-1 last Septembe r and has begun developmentof GeoEye-2, whicb it expects to launch in 2012. The company begaj work on the camera for that satellitee in October 2007 through a contract withITT Corp. of Whitr Plains, N.Y., and expects to contract with a satellites builderthis year. GeoEye-2 has cost the company at least $30 milliohn to date. But foreignj satellite builders also are forging Spot Image plans to launchtwo high-resolutiom satellites in 2010 and 2011. And the U.S.
governmengt is considering a program to build and launcb itsown satellites, which could put a major crimlp in growth for commercial
With the government’s increasing demand for satellitee imagery, executives at Dulles-based , which launchesd its latest multimillion-dollar satellite last fall, are waitingg to find out just how much contractws from a federal program announced in April coulddbe worth. They aren’t the only GeoEye’s biggest competitor, Longmont, Colo.-based is making movea to seizemore business. The 16-year-ol company has expanded its London and Singapore consolidatedits Washington-area governmenty relations and business development teams and is set to go publidc this month, raising at least $16.y6 million, according to documents filed with the Securitie and Exchange Commission.
DigitalGlobe opened an Arlington officedApril 27, bringing together 10 employee from its D.C. and Tysonz Corner offices, which were responsible for lobbying andthe company’s nationalk security programs for the last six The new space, at 1000 Wilson also has room for operational expansion to serv e federal customers, said Dawn vice president of government relations. GeoEye says its competitor’s initial public offeringg is a boost for the entire geospatiak industry because the IPO will draw more attention from financia analysts and investors to the relativelyyoungf field.
“Two strong geospatialk companies serving the government is good becausre that means thereis competition, and the governmengt likes competition,” said GeoEye spokesman Mark However, “the barriers to entryh are high because [significant] capital is required, and it takesa four years to builfd and launch” imaging he added. “We have stability with two commercial data providersand don’ft see other U.S. competitors coming” into the Both existing companies are in the right space at the right time. President Barack Obama just approvedthe “Imageru Way Ahead” program, an intelligencr initiative to update the government’s aging imagery.
And the the largest purchaser of satellite imagery and biggestf customer for both DigitalGlobe and starts operating its new Commercial Remote Sensing Prograk Office in Bethesdathis month. All of whicyh suggests potential growth for companies serving the remot esensing market, which includes the sale of earthb imagery from space. That market reachedf $7.3 billion in 2007 and is expected to growto $9.9 billionj by 2012, according to analysts at Mass.-based BCC Research. Analystw estimate that sales of satellite imagerg alonetotaled $1.9 billion in 2007 and coulx grow to $3.2 billion by 2012.
So the race is on to see whic h company will getthe lion’s sharer of work from various agencie using imagery for things like national security, weather forecasts and environmental research. “U.S. companies have led this effory overthe years,” Brender “And despite increasing foreign favorable U.S. policies and commitment from the U.S. governmeny have helped keep American commercial data providers in the International competitorsfor high-resolution satellite imagery productx include India’s Department of Canada-based Radarsat International, ImageSayt International NV in Israel and Spot Imager SA with operations in France, Taiwan and In addition, companies such as Google Inc.
and Microsoft provide imagery-related products and services. GeoEye, formed in January 2006 throughg Dulles-based Orbimage’s purchase of Denver-based Space Imaging, has had its share of fits and including Orbimage’s management and financial restructurinb in a 2002 Chapter 11 bankruptcy But now GeoEye is gaining some Its new satellite is giving DigitalGlob e a run for its and in February NGA certified the which allows GeoEye to generate revenure from a $12.5 million-a-month service agreement with the government throughu at least Nov. 30. In 2008, the U.S. governmentf provided GeoEye with $56.5 million in about 39 percent ofthe company’s total revenue.
DigitalGlobe’s U.S. government sales were $205.5 million in about 75 percent of itstotak revenue, with the majority cominfg from sales to the NGA. “Thse loss or significant reduction ofthe [NGA servic e level agreement] would materially reduce our according to DigitalGlobe financial statements. One of DigitalGlobe’s agreementes with the NGA is wortbh $238 million in revenue, recognized from January 2008 untiklJuly 2009. Both companies also rely on salese to foreign governments and are beginning to see greatedr opportunities selling images forcommercial use. DigitalGlob e is preparing to launch itsthird satellite, this October as use of older satellites is phaserd out.
GeoEye just launched GeoEye-1 last Septembe r and has begun developmentof GeoEye-2, whicb it expects to launch in 2012. The company begaj work on the camera for that satellitee in October 2007 through a contract withITT Corp. of Whitr Plains, N.Y., and expects to contract with a satellites builderthis year. GeoEye-2 has cost the company at least $30 milliohn to date. But foreignj satellite builders also are forging Spot Image plans to launchtwo high-resolutiom satellites in 2010 and 2011. And the U.S.
governmengt is considering a program to build and launcb itsown satellites, which could put a major crimlp in growth for commercial
Tuesday, May 17, 2011
Survey: Americans lack financial cushion - Dayton Business Journal:
ogarawo.wordpress.com
If the answer is no, you are not alone. A new surveg by finds that nearly one in four homeowners do not have a financial cushion to fallback on. And that worries many Those who say anxiett over job stability was a top concern rose to 29 percent in the first quarter from 21 percent since thefourtgh quarter. And while 60 percenr of respondents want to increase their saving whilereducing debt, less than a quarter have actuallu done so. Those who are tryinfg to save are taking drastic thesurvey found. Since last year, one-third of homeowner s said they have had family or friends move in with and 42 percent are spendin g less ontheir children.
About two in five say they are budgetingf more or buying more of only whatthey need, whilde 30 percent say they are learningt how to better manage their budgets on theier own. Meanwhile, homeowners are waiting for the economy to improvse to make amajor purchase: 30 perceng say the first purchasre they will make will be for home 18 percent say they will buy an automobile and 13 percentg say they will take a Wells Fargo said the latest survey, conducted by Ipsos Marketing, polled 1,565 homeowners March 23-31.
If the answer is no, you are not alone. A new surveg by finds that nearly one in four homeowners do not have a financial cushion to fallback on. And that worries many Those who say anxiett over job stability was a top concern rose to 29 percent in the first quarter from 21 percent since thefourtgh quarter. And while 60 percenr of respondents want to increase their saving whilereducing debt, less than a quarter have actuallu done so. Those who are tryinfg to save are taking drastic thesurvey found. Since last year, one-third of homeowner s said they have had family or friends move in with and 42 percent are spendin g less ontheir children.
About two in five say they are budgetingf more or buying more of only whatthey need, whilde 30 percent say they are learningt how to better manage their budgets on theier own. Meanwhile, homeowners are waiting for the economy to improvse to make amajor purchase: 30 perceng say the first purchasre they will make will be for home 18 percent say they will buy an automobile and 13 percentg say they will take a Wells Fargo said the latest survey, conducted by Ipsos Marketing, polled 1,565 homeowners March 23-31.
Sunday, May 15, 2011
Two more leave BofA board - Washington Business Journal:
uhetemejih.wordpress.com
According to a filing with the Securitied andExchange Commission, Prueher and Frank didn’t resignb because of any disagreement with the Jackie Ward and Patricia Mitchell resignedc early this month. Mitchell is a former New York television executivw and currently serves as chief executive of the Paleyh Centerfor Media, a New York nonprofit. Ward is the retiredc chief executiveof Atlanta-based Computer Generatio n Inc., a software company. Robert Tillman, a formere Lowe’s Cos. Inc. (NYSE:LOW) chief executive, resigned from the BofA boar effectiveMay 29. And on May 29, the bank announcef former lead independentdirector O.
Temple Sloan had left the BofA didn’t disclose Sloan’s reasob for resignation. Sloan had been a BofA director for 13 Inearly June, four outside directore were elected to BofA’s They are former Federal Reserve Governor Susan former Compass Bancshares Inc. chief executive and chairma n D. Paul Jones, former Federal Deposit Insurance chairman Donald Powell and retired BankOne Corp. and Visa Internationak Inc. executive William Boardman. BofA’s boar has been under intense scrutiny in recenyt months as the bank suffered through asharp stock-prices decline after acquiring Merrill Lynch & Co. The Charlotte-based bank also has received $45 billion in taxpayef aid.
At the bank’s annual meetingt in late April, shareholders voted to strip Chieff Executive Kenneth Lewis of his positio n asboard chairman. Walter Massey was installed as the new chairma n and has indicated the board needws tobe re-evaluated. Lewis remains the bank’s CEO and president.
According to a filing with the Securitied andExchange Commission, Prueher and Frank didn’t resignb because of any disagreement with the Jackie Ward and Patricia Mitchell resignedc early this month. Mitchell is a former New York television executivw and currently serves as chief executive of the Paleyh Centerfor Media, a New York nonprofit. Ward is the retiredc chief executiveof Atlanta-based Computer Generatio n Inc., a software company. Robert Tillman, a formere Lowe’s Cos. Inc. (NYSE:LOW) chief executive, resigned from the BofA boar effectiveMay 29. And on May 29, the bank announcef former lead independentdirector O.
Temple Sloan had left the BofA didn’t disclose Sloan’s reasob for resignation. Sloan had been a BofA director for 13 Inearly June, four outside directore were elected to BofA’s They are former Federal Reserve Governor Susan former Compass Bancshares Inc. chief executive and chairma n D. Paul Jones, former Federal Deposit Insurance chairman Donald Powell and retired BankOne Corp. and Visa Internationak Inc. executive William Boardman. BofA’s boar has been under intense scrutiny in recenyt months as the bank suffered through asharp stock-prices decline after acquiring Merrill Lynch & Co. The Charlotte-based bank also has received $45 billion in taxpayef aid.
At the bank’s annual meetingt in late April, shareholders voted to strip Chieff Executive Kenneth Lewis of his positio n asboard chairman. Walter Massey was installed as the new chairma n and has indicated the board needws tobe re-evaluated. Lewis remains the bank’s CEO and president.
Thursday, May 12, 2011
'Secure Communities' used to push back workers rights - The Militant
xysecurakihir.blogspot.com
Fox News | 'Secure Communities' used to push back workers rights The Militant The Barack Obama administration is aggressively expanding its “Secure Communities†program, a major component of the government's increasing links between federal agencies and local cops, and part of the broader assault on the rights ... Pre! ssure on NY to Quit "Secure Communities" Immigration Enforcement Program Federal Fingerprinting Program May Still ID Illegal Immigrant Teens Shielded ... |
Tuesday, May 10, 2011
New Ray Jay president to succeed CEO James - Business First of Louisville:
http://www.socialtextjournal.org/cgi-bin/mt/mt-cp.cgi?__mode=view&blog_id=10&id=424
After that, James will continue to work for the firm full time as executive chairman ofthe board, the company said. Reillg was named to the Raymond James Financial board in 2005 and has servede as chair of the audit committee for thepast Korn/Ferry International (NYSE: KFY) is a global provider of talent management Reilly began his tenure with the company as chairmajn and chief executive officer in 2001, a releas e said. Prior to that, Reilly was chieft executive officerat , a firm of more than 100,000 employees and with annual revenues of $12 billion.
Basexd in Amsterdam, he was responsible for the overal strategy and implementation ofthe firm’s products, servicess and infrastructure globally. Before beingv named to the top postat KPMG, he ran the firm’w financial services business and earlier had held seniod management positions in its real estate consulting Reilly received his bachelor’s degrese and an MBA in finance from the , and also hold s the Certified Public Accountant designation, the company said in its Reilly grew up in St. Petersburg, and James said he’s knownh him and his familu since he was a youngtennix player.
“Since then, he has demonstratecd success in academia andinternationap business, as well as, in recent years, as a publidc company CEO,” said James in a prepared During his three years as a boards member of Raymond James Reilly exhibited high intellect, financial acumen, good decision-making objectivity, “and a commitment to the values and tenets upon which Raymondx James was founded,” James said in the Reilly will continue to serve on the RJF board and as part of the successionm transition will assume reporting responsibilitiex and special assignments as dictated by busineszs need.
The company’s board has been working with James to expanfd the depth of its management team and address the need for a soun successionplan “for some time,” the release In the prepared statement, Reilly said he has had a special affinithy and admiration for the company. “Witjh its conservative management practicesand principles, commitment to clients and service-oriented culture, the firm increasingly distinguishes itself from others in the he said in the release. He suggested the company is well positioned for successd inthe future. Raymond James Financial RJF) is a St.
Petersburg-based diversified holdinfg company providing financial serviceto individuals, corporations and municipalities through its subsidiaru companies. Its three principal wholly owned broker/dealers Raymond James Associates, and Raymond James Ltd. and Raymond James Investment Services a majority-owned independent contractor subsidiary in the Unites Kingdom, have a total of more than 5,0090 financial advisers serving about 1.8 millionm accounts in 2,200 locations throughout the Unitexd States, Canada and overseas. Total clienft assets are currently $173 billion, of which about $26 billiomn are managed by the firm’s asser management subsidiaries.
After that, James will continue to work for the firm full time as executive chairman ofthe board, the company said. Reillg was named to the Raymond James Financial board in 2005 and has servede as chair of the audit committee for thepast Korn/Ferry International (NYSE: KFY) is a global provider of talent management Reilly began his tenure with the company as chairmajn and chief executive officer in 2001, a releas e said. Prior to that, Reilly was chieft executive officerat , a firm of more than 100,000 employees and with annual revenues of $12 billion.
Basexd in Amsterdam, he was responsible for the overal strategy and implementation ofthe firm’s products, servicess and infrastructure globally. Before beingv named to the top postat KPMG, he ran the firm’w financial services business and earlier had held seniod management positions in its real estate consulting Reilly received his bachelor’s degrese and an MBA in finance from the , and also hold s the Certified Public Accountant designation, the company said in its Reilly grew up in St. Petersburg, and James said he’s knownh him and his familu since he was a youngtennix player.
“Since then, he has demonstratecd success in academia andinternationap business, as well as, in recent years, as a publidc company CEO,” said James in a prepared During his three years as a boards member of Raymond James Reilly exhibited high intellect, financial acumen, good decision-making objectivity, “and a commitment to the values and tenets upon which Raymondx James was founded,” James said in the Reilly will continue to serve on the RJF board and as part of the successionm transition will assume reporting responsibilitiex and special assignments as dictated by busineszs need.
The company’s board has been working with James to expanfd the depth of its management team and address the need for a soun successionplan “for some time,” the release In the prepared statement, Reilly said he has had a special affinithy and admiration for the company. “Witjh its conservative management practicesand principles, commitment to clients and service-oriented culture, the firm increasingly distinguishes itself from others in the he said in the release. He suggested the company is well positioned for successd inthe future. Raymond James Financial RJF) is a St.
Petersburg-based diversified holdinfg company providing financial serviceto individuals, corporations and municipalities through its subsidiaru companies. Its three principal wholly owned broker/dealers Raymond James Associates, and Raymond James Ltd. and Raymond James Investment Services a majority-owned independent contractor subsidiary in the Unites Kingdom, have a total of more than 5,0090 financial advisers serving about 1.8 millionm accounts in 2,200 locations throughout the Unitexd States, Canada and overseas. Total clienft assets are currently $173 billion, of which about $26 billiomn are managed by the firm’s asser management subsidiaries.
Sunday, May 8, 2011
Thursday, May 5, 2011
FORENSIC FORCE: The colour of truth - NEXT
http://homebuilder.edublogs.org/2011/05/04/bamboo-floor/
FORENSIC FORCE: The colour of truth NEXT The danger is that blind, obdurate abhorrence for simple truths may be clamouring to colour the essential shades of reason and decency. What is the point of being 'educated and sophisticated' when you refuse to see beyond the prism of intrinsic ... |
Tuesday, May 3, 2011
Expertise key in picking attorney - Business First of Buffalo:
http://www.amjhomeservices.com/1999/coverstory-feb.html
The question of when to hire an attorney dependw largely on the size of the prospective saidThomas Stahl, who manages corporate practicwe offices in Los Angeles, Denver, Washingtohn and New York for LLC. Regardless, Stahl said, hirinbg a corporate attorney in the beginning stagesx of establishing a businesws is the best plan of action because a good lawyer will set the operation up righft thefirst time, preparing for almost every eventuality. And almost every company, no matter what its needs a lawyer, he said. “Whatr kind of business are you looking toestablisg – do you want to go publicf or are you looking to start somethinvg smaller?” he said.
“Even for a private company, it comess down to whether or not you are raising If you’re doing that, then there are securitied laws that need to be immediateluy considered, and many new business owners forget aboug that.” If a company is raising money, its lawyetr needs to have securitiez experience, Stahl said. “Most people thinok that if they are raisinb money through friends and family it is no big but under the FederalSecurities Act, if you’re on the phonde raising money, you are selling sharese and are subject to regulatory laws,” he said.
“Iff you’re running a one- or two-man operationm you may not have need of as much legall advice as alarger company, but if you follo w the rules from the start, you will protect yourself and your investors.” In terms of litigation, businessezs should look for a corporate attorney who can servse as an “issue spotter” and raised red flags when problems are on the horizon, said Stevehn Spielvogel, a partner with in New York City and co-foundere of the (www.nationalbusinesslitigation.com).
“I used to teach a law schooo class, and one of the things I told mystudentzs was, if you’re an in-house counsel, you need to be a trainedf issue spotter,” he said. “For example, your lawyer may not have any expertiser in taxlaw litigation, but he or she need s to be able to identify and determinre who in the firm can handlwe those matters for you if something crops up. Once you know it is out you can get a trainerdlitigator involved.” Spielvogel, who also serves as presiden t of the International Network of Boutique Law Firms (www.inblf.
com), said it’s importanyt to make sure your attorney has expertis in your specific area of businesss or type of dispute. “Make sure to check that the lawyef handling your case has handled this particulatr type ofmatter before,” he said. “Idf you have a heart problem, you go to a cardiologist; a brain issue – a neurologist. The same goes for lawyers. “Id you have an issue on trademark checkyour lawyer’s background. Have they writtemn papers on this subject? I think these things are Stahl said owners should to look for an attorneu who is familiar witheach state’s “blue sky” as well as federal laws.
If a business is finances only by those working inthe operation, then a simplerr framework is available. “You can do a prettyg barebones setupthat won’t cost too much and will protec t your interests,” he said. “Some (limited liability corporations) can be done very if they’re done right. “If you’re just talkint about a basic husband-and-wife operation, the cost for the wholr thing is inthe $1,000 range, depending on what part of the countruy you are located.
The operatinh agreement gets trickier as you add people forcing the cost Spielvogel and Stahl agreed that oncea client’s needs have been ascertained, a law firm alwaysa should be able to establish what the costws will be upfront. Both attorneys also agreed that it is paramoungt to do your research on the lawyer you’re considering hiring. Meet with the persom one on one, check his or her and ask to speam toformer clients. “Do your due Spielvogel said. “Because if you pick the wrongf lawyer, it could be a very expensive nightmarwfor you.
”
The question of when to hire an attorney dependw largely on the size of the prospective saidThomas Stahl, who manages corporate practicwe offices in Los Angeles, Denver, Washingtohn and New York for LLC. Regardless, Stahl said, hirinbg a corporate attorney in the beginning stagesx of establishing a businesws is the best plan of action because a good lawyer will set the operation up righft thefirst time, preparing for almost every eventuality. And almost every company, no matter what its needs a lawyer, he said. “Whatr kind of business are you looking toestablisg – do you want to go publicf or are you looking to start somethinvg smaller?” he said.
“Even for a private company, it comess down to whether or not you are raising If you’re doing that, then there are securitied laws that need to be immediateluy considered, and many new business owners forget aboug that.” If a company is raising money, its lawyetr needs to have securitiez experience, Stahl said. “Most people thinok that if they are raisinb money through friends and family it is no big but under the FederalSecurities Act, if you’re on the phonde raising money, you are selling sharese and are subject to regulatory laws,” he said.
“Iff you’re running a one- or two-man operationm you may not have need of as much legall advice as alarger company, but if you follo w the rules from the start, you will protect yourself and your investors.” In terms of litigation, businessezs should look for a corporate attorney who can servse as an “issue spotter” and raised red flags when problems are on the horizon, said Stevehn Spielvogel, a partner with in New York City and co-foundere of the (www.nationalbusinesslitigation.com).
“I used to teach a law schooo class, and one of the things I told mystudentzs was, if you’re an in-house counsel, you need to be a trainedf issue spotter,” he said. “For example, your lawyer may not have any expertiser in taxlaw litigation, but he or she need s to be able to identify and determinre who in the firm can handlwe those matters for you if something crops up. Once you know it is out you can get a trainerdlitigator involved.” Spielvogel, who also serves as presiden t of the International Network of Boutique Law Firms (www.inblf.
com), said it’s importanyt to make sure your attorney has expertis in your specific area of businesss or type of dispute. “Make sure to check that the lawyef handling your case has handled this particulatr type ofmatter before,” he said. “Idf you have a heart problem, you go to a cardiologist; a brain issue – a neurologist. The same goes for lawyers. “Id you have an issue on trademark checkyour lawyer’s background. Have they writtemn papers on this subject? I think these things are Stahl said owners should to look for an attorneu who is familiar witheach state’s “blue sky” as well as federal laws.
If a business is finances only by those working inthe operation, then a simplerr framework is available. “You can do a prettyg barebones setupthat won’t cost too much and will protec t your interests,” he said. “Some (limited liability corporations) can be done very if they’re done right. “If you’re just talkint about a basic husband-and-wife operation, the cost for the wholr thing is inthe $1,000 range, depending on what part of the countruy you are located.
The operatinh agreement gets trickier as you add people forcing the cost Spielvogel and Stahl agreed that oncea client’s needs have been ascertained, a law firm alwaysa should be able to establish what the costws will be upfront. Both attorneys also agreed that it is paramoungt to do your research on the lawyer you’re considering hiring. Meet with the persom one on one, check his or her and ask to speam toformer clients. “Do your due Spielvogel said. “Because if you pick the wrongf lawyer, it could be a very expensive nightmarwfor you.
”
Sunday, May 1, 2011
4 people arrested on drug charges in Jakarta - Jakarta Post
manuscripts-shuwatu.blogspot.com
4 people arrested on drug charges in Jakarta Jakarta Post Jakarta Police arrested one alleged drug dealer and three alleged users in Taman Sari, West Jakarta, on the weekend. Two suspects, with the initials FR and HER, were arrested at the Paragon Hotel on Friday. Police confiscated two grams of crystal ... |
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