Internet Businesses

ALL cancer patients will get one-to-one care and support from specialist nurses under a new pledge from Gordon Brown. Around 1.6 million people who suffer from the disease or are in remission will benefit from the new guarantee over the next five years. The move is part of a raft of pledges to ease the financial worries of older people about the cost of their care. Mr Brown will reveal full details of the promise in a speech to medical experts tomorrow. In his weekly podcast last night he said: “To be truly free of worry, to be able to get on with your lives, you need firm assurances.
JEFF BEHRING, of Blackhawk, and a team of volunteers flew to Haiti on Jan. 27 on a humanitarian mission following the Caribbean nations devastating Jan. 12 earthquake. “My father loaned his plane and flight crew to send doctors, nurses, wheelchairs and medical supplies donated by John Muir (Medical Center of Walnut Creek) and Medshare to Haiti,” Jeffs brother, David Behring, the president of the Wheelchair Foundation, wrote in an e-mail to me. The plane, owned by Kenneth Behring, a Blackhawk developer and philanthropist, is an MD-87 outfitted to seat 24, with plenty of cargo space. “There are tent cities set up everywhere — plastic tarps with stakes holding them up,” he said. “People are afraid to go back into their houses and buildings (Haiti has been subject to continuous aftershocks). There was a 7 p.m. curfew and you didnt want to drive after that because people were sleeping in the middle of the road, I was told.”
The Hospital for Sick Children (SickKids) has partnered with Hamad Medical Corporation (HMC) in Qatar to advise on the creation of a brand new, state-of-the-art childrens hospital in the Middle East.

On February 7th, senior leaders from SickKids marked the official announcement of the five-year partnership. SickKids has been enlisted to provide advisory services for the development and operation of the new 217-bed, 45,000 square foot childrens hospital located in Hamad Medical City, a large, not-for-profit health-care complex in the heart of Doha, Qatars capital city.

“This partnership is yet another example of SickKids international reputation for excellence in childrens health, and moves us one step closer to realizing our vision of Healthier Children. A Better World,” said Mary Jo Haddad, President and CEO of SickKids.

While in Doha, SickKids staff will provide expert counsel in such areas as paediatric medicine, surgical services, interprofessional practice and education, family-centred care and research. The partnership will also see staff from HMC travel to Toronto to take advantage of fellowship and learning opportunities at SickKids.

“A key component of our international strategy is to share our knowledge and to help other organizations build capacity within their own countries,” added Cathy Seguin, Vice President of International Affairs at SickKids.

medical billing and coding courses

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ZUG, Switzerland — Foster Wheeler AG (Nasdaq: FWLT) announced today that a subsidiary of
its Global Engineering and Construction Group has been awarded a
contract to provide project management consultancy (PMC) services to
Singapore LNG Corporation Pte Ltd ( SLNG ), a fully owned subsidiary of
the Energy Market Authority of Singapore, in support of the development
of the LNG terminal to be located on the southwestern part of Jurong
Island, Singapore.

SLNG owns and oversees the LNG terminal’s development. The terminal,
which will have an initial capacity of 3.5 million tonnes per annum
(Mtpa), with provisions for expansion to 6 Mtpa, is targeted to be ready
for start-up in 2013.

The terms of the contract were not disclosed, and the contract value
will be included in Foster Wheeler’s first-quarter 2010 bookings.

SLNG and Foster Wheeler will jointly manage the engineering, procurement
and construction (EPC) contractor through an “Integrated Project
Management Team” approach, which will allow SLNG to be fully involved in
the management of the design and construction activities.

“Foster Wheeler is a worldwide engineering company and has an excellent
reputation in the energy sector. We are combining the strengths of SLNG
and Foster Wheeler to take on the complex task of managing the EPC
contract through to completion. Through this seamless and integrated
approach, we will work towards the timely start-up of the LNG terminal,”
said Neil McGregor, SLNG’s executive director.

LONDON — Mobango, the first social mobile application store, releases its Top
5 downloaded application list for January which further show that mobile
applications are a global mass market phenomena.

Mobango recently announced that in the past 12 months it saw a 500%
increase in mobile applications downloads from the same period a year
earlier. In December Mobango downloads topped a staggering 23 million.

Mobangos traction in the market shows that the mobile industry isn’t
just about smartphones and the United States. Apps are a mass market
phenomena across handsets and regions. Mobango users from all over the
world seek the best apps regardless of what platform they are on and
what handset they are using.

Fabio Pezzotti, CEO of Mobango commented: “Our users are from all around
the world from rural India to the bustling City of New York. They enjoy
nothing more than to search and discover new apps and ways in which to
enhance their mobile phone experience. With such an active and engaged
community there is massive opportunity for innovative apps to gather
mass consumer interest globally. Our platform provides one of the
easiest ways for developers to push their apps to the market and for our
users to discover, share and download the best quality applications,
utilities, communication tools, entertainment and games in the world.”

This global accessibility to consumers is the key to success for
application developers of all kinds. Mobangos success is due to the
work of application developers of all sizes, across the world who help
to create appealing apps. In January the most downloaded applications at
Mobango were:

SEOUL, South Korea — Samsung Electronics Co., Ltd., a world leader in digital consumer
electronics and information technology, today announced the Samsung S2
Portable, a fully transportable external hard drive, pre-loaded with the
movie ‘Michael Jacksons THIS IS IT’.

Timed with the DVD and Blu-ray Disc(TM) release of ‘Michael Jacksons
THIS IS IT’, the pre-loaded external HDD will be available at major
European retailers from February 22, 2010.

“We are excited to present this movie starring Michael Jackson, the
greatest entertainer of all time, pre-loaded on the Samsung S2
Portable,” said H.S. Lee, Vice President, Storage Marketing, Samsung
Electronics.

Samsung’s S2 Portable has an increased capacity of 500GB and its
improved data recording technology makes it the perfect solution for the
increasing number of consumers who are building their personal movie
collections on their PCs.

In addition to the pre-loaded ‘Michael Jacksons THIS IS IT’, the
Samsung S2 Portable boasts USB On Board Technology and supports various
user-friendly features such as Samsung Auto Backup that enables
real-time or scheduled backup and SecretZone™ that encrypts and stores
data on a virtual drive as well as SafetyKey™, a powerful data-security
function that offers dual data protection through a password.

Online Marketing

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In a region traditionally known for producing loud, blustery autocrats who champion failed economic policies (Castro, Ortega, Chavez), Chile is a quietly remarkable success story. On January 11, it signed an accession agreement to become the first South American member of the OECD. Less than a week later, Chilean voters elected a conservative government for the first time since General Pinochet stepped down 20 years ago.
China metal pressure vessel manufacturing Industry, 2009 is valuable for
anyone who wants to invest in the metal pressure vessel manufacturing
industry, to get Chinese investments; to import into China or export
from China, to build factories and take advantage of lower costs in
China, to partner with one of the key Chinese corporations, to get
market shares as China is boosting its domestic needs; to forecast the
future of the world economy as China is leading the way; or to compete
in the segment. The report provides in-depth analysis and detailed
insight into the metal pressure vessel manufacturing industry, market
drivers, key enterprises and their strategies, as well as technologies
and investment status, risks and trends.

Data sources: Governmental statistics organizations, market research
(monitoring) centers, industry associations and institutions, import and
export statistics organizations, and others.

This report is divided into 9 parts 19 chapters as follow:

Internet Reputation Management

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Brazil Insurance Report provides industry professionals and strategists,
corporate analysts, insurance associations, government departments and
regulatory bodies with independent forecasts and competitive
intelligence on Brazils insurance industry.

This report differs from its predecessors in several respects. In this
analysis of competitive conditions, they provide a much more
comprehensive ranking of insurance companies in the major segments from
the point of view of the organisation that is providing the data (in
practice almost always the national insurance regulator or the national
insurance trade association). In Brazil, for instance, the three largest
auto insurance providers in the first eight months of 2009 in terms of
gross written premiums were Porto Seguro Cia de Seguros Gerais, Bradesco
Auto/Re Companhia de Seguros, and Sul Amrica Cia Nacional de Seguros,
with 14.3%, 12.1% and 8.1% market share respectively. Over time, the
authors hope to derive insights from observing how market shares change.
They emphasise though, that a decline in share of Gross Written Premiums
is not automatically a bad thing and is often the result of a deliberate
corporate decision to focus on more profitable business lines.

Writing in November 2009, the authors have been able to ensure that the
report includes actual data for 2008. The Superintendency of Private
Insurance (SUSEP), the regulator, identifies three life lines in its
data: VGBL products, Retirement savings schemes (of which PGBL products
are an important subset) and capitalisation schemes. Analysis finds that
life premiums rose to BRL 40,808mn in 2008 from BRL 35,966mn in 2007.
The figures for non-life insurance include the Consolidated Insurance
figures published by SUSEP except for premiums for VGBL products, which
are a subset of personal lines which belongs to the life segment. The
figures also include health insurance premiums as disclosed by the ASN.
Under this approach, the authors find that non-life premiums rose from
BRL 67,971mn in 2005 to BRL 76,786mn in 2006 to BRL 89,970mn in 2007 to
BRL 103,340mn in 2008.

This quarter, include a discussion of developments within regional
markets on the basis of results published by major cross-border
companies in relation to Q209 or Q309 and the latest information
provided by regulators and/or trade associations.

FY 2011 Budget Proposal Provides Impetus for Passage of Neal Bill

WASHINGTON — The CEOs of some of the nation’s largest U.S.-based insurance companies
urged quick passage of legislation to close a loophole cited in
President Obama’s FY 2011 budget proposal that allows foreign-
controlled insurance companies operating in the U.S. to avoid paying
U.S. income taxes.

“The President’s proposal is a good start,” stated William R. Berkley,
Chairman and CEO of W. R. Berkley Corporation. “We now call on Congress
to pass the Neal bill and end hurtful tax loopholes that for years have
benefited foreign-controlled insurance companies and created a
competitive disadvantage for insurance companies based in the United
States.”

Representative Richard E. Neal has introduced H.R. 3424, a bill that
will eliminate current tax loopholes that permit foreign-controlled
insurers to escape U.S. income tax on profits from policies covering
U.S. risks. This practice of reinsuring U.S.-written business with a
foreign affiliate in a low or no-tax jurisdiction [Related Party
(Affiliate) Reinsurance] costs the U.S. Treasury billions of dollars in
tax revenues, and gives foreign insurers a significant advantage over
U.S. competitors in attracting capital to write U.S. business. A similar
bill has been released by the Senate Finance Committee staff.

“The President’s proposal brings much needed attention and momentum to
this issue that for years has created an uneven economic playing field,”
stated John Degnan, COO of The Chubb Corporation. “In this time of
economic crisis, we cannot afford to give foreign-controlled insurers
continued tax breaks. They should not be allowed to avoid taxes at a
time when others are being asked to contribute to our nation’s economic
recovery.”

FY 2011 Budget Proposal Provides Impetus for Passage of Neal Bill

WASHINGTON — The CEOs of some of the nation’s largest U.S.-based insurance companies
urged quick passage of legislation to close a loophole cited in
President Obama’s FY 2011 budget proposal that allows foreign-
controlled insurance companies operating in the U.S. to avoid paying
U.S. income taxes.

“The President’s proposal is a good start,” stated William R. Berkley,
Chairman and CEO of W. R. Berkley Corporation. “We now call on Congress
to pass the Neal bill and end hurtful tax loopholes that for years have
benefited foreign-controlled insurance companies and created a
competitive disadvantage for insurance companies based in the United
States.”

Representative Richard E. Neal has introduced H.R. 3424, a bill that
will eliminate current tax loopholes that permit foreign-controlled
insurers to escape U.S. income tax on profits from policies covering
U.S. risks. This practice of reinsuring U.S.-written business with a
foreign affiliate in a low or no-tax jurisdiction [Related Party
(Affiliate) Reinsurance] costs the U.S. Treasury billions of dollars in
tax revenues, and gives foreign insurers a significant advantage over
U.S. competitors in attracting capital to write U.S. business. A similar
bill has been released by the Senate Finance Committee staff.

“The President’s proposal brings much needed attention and momentum to
this issue that for years has created an uneven economic playing field,”
stated John Degnan, COO of The Chubb Corporation. “In this time of
economic crisis, we cannot afford to give foreign-controlled insurers
continued tax breaks. They should not be allowed to avoid taxes at a
time when others are being asked to contribute to our nation’s economic
recovery.”

New York Auto Insurance Quotes

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HERE COMES the bride. All dressed in white. That music comes from the Bridal Chorus of Wagners opera “Lohengrin,” in which the newlyweds are stripped by their attendants. It doesnt show up much at Jewish weddings, for obvious reasons. The piece is often paired with Mendelssohns “Wedding March” from “A Midsummer Nights Dream,” used as the recessional as the newly married bride walks the other way down the aisle. When you think Freemasons, you think of powerful white men, covertly pulling the levers of power in their ruthless quest for world domination. And, also, Richard Pryor. The comic legend joined Henry Brown Lodge No. 22 in Peoria, Ill., a year after he nearly died. Neither of the Bush presidents are Masons, nor is Barack Obama, although Bill Clinton was once part of a Masonic youth group. In around 2001, an e-mail got passed around in which George Carlin said he must be a bad American because of all his hard-core right-wing beliefs, including such charming nuggets as, “I believe that if you are selling me a Big Mac, youd better do it in English.” Carlin directly disavowed authorship on his Web site, but what was odd is that the former hippie and lifelong atheist is best known for the “seven dirty words,” which precipitated a free-speech case that went all the way to the Supreme Court. Sometimes, obscure movies can play pivotal roles in pop culture history. Take the film “The Lords of Flatbush.” Two stars of the 1974 film, about a Brooklyn street gang, were Henry Winkler and Sylvester Stallone, the latter of whom was paid with 25 T-shirts. Winkler based his Fonzie character on Stallones role from this movie, and a screening of the film helped Stallone land his role in “Rocky.”
Valentines Day is one of the most
popular days of the year to get engaged. But with expensive rings and
wedding plans on their minds, few couples will be thinking about how health insurance factors into
their future. The fact is that marriage can add an extra layer of
complexity to health insurance choices, and the right health plan can
help a life-long partnership get off to a financially solid start.

eHealthInsurance (NASDAQ: EHTH) has compiled the following list of
Frequently Asked Questions to help newly engaged or married couples find
the best health insurance solution for their needs and budget this holiday:

Question 1) “Neither of us currently have health insurance. What are
our options?”

Answer: First of all, dont go uninsured. Health insurance is about
more than getting access to medical care when you want it. Its also about
limiting your financial liability for medical costs. With the cost of
medical care on the rise and medical bills among the most common reasons
for personal bankruptcy(1), a quality health insurance plan can help provide
the financial security you need.

If neither of you are currently eligible for employer-sponsored health
insurance, consider buying individual or family coverage on your own. In
most states youll find lots of individual and family health insurance
options to choose from, with a broad range of deductibles, copayments, and
monthly premiums. It may be more affordable than you imagined. A recent
survey(2) conducted by eHealth, Inc. found that two people covered under a
family plan pay an average of $328 per month for coverage — and in many
states quality health insurance plans are available for substantially less.

Wedding Ideas

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CHRISTMAS has come and gone, even for the Eastern Orthodox, and the stores are looking ahead to Valentines Day. But many upstate lawns still have their Christmas decorations: Santa, Frosty, inflated penguins (penguins were big this year, even though they dont live at the North Pole). They stand like unbudgeable guests who have stayed at a party after the host has unplugged the coffee urn and gone to bed. They are better-humored, for they are still waving merrily, but the feelings they induce are unsettling. They have lingered past their time, like ghosts. They represent the black backside of upstate: depression. Depression manifests itself in lack of will. That is what the belated Santas show. People, in a burst of holiday cheer or a bout of family obligation, put them out. But those same people are unable or unwilling to take them down. Routine is supposed to be the great deadener of souls; how much worse is the half-completed task, the broken round, the unfulfilled routine? As usual there is a diagnosis for it–seasonal affective disorder–and as usual it tells only part of the story. The cold keeps people inside and makes them stircrazy, while the short days put them spiritually to sleep. Cold is no friend: It slips in, through door cracks and floorboards, and slaps your face as soon as you step outside. Bundling up to keep it off makes you heavy and stiff. Dusk at five oclock is no pick-me-up either. Maybe bears have the right idea: grow a girdle of fat and go to sleep. But, although the cold stays until February, the light starts growing longer after the solstice, and becomes noticeably so by New Years. Besides, winter cant explain why so many people upstate seem depressed all year long. What are the signs of depression? How about piles of stuff in the yard? This is a tricky point. One of the benefits of owning an acre of land is that you have room to put stuff. Rural residential zoning allows you to put down anything, short of a junkyard, and rural gun ownership guarantees that it will stay put, though who would want a pile of field stone anyway? But sometimes the stack of two-by-fours, or the rusted-out burn barrel, or the boat under a tarp, or the truck with a mismatched hood and fender and a notional price chalked on its windshield (the price and the truck havent changed in years), or all of these things together cross the line from husbandry to clutter. “If a man have not order within him, he cannot spread order about him,” said Ezra Pound, who should have known about inner disorder. Some lawns have all the cheer of old cemeteries. Another sign of depression is the unpainted outbuilding. Here again it is a matter of degree. The weathered barn slat can look like a wise face in an old photograph: Lincoln, Whitman. But when the slats begin to show gaps, trouble has begun. Once the horizontals and the verticals start to slip and sag, the end is near: Only an effort on the order of Robert Moses can save the outbuilding now. I remember a two-storey house on the grounds of a small, broken-down summer resort (but not dead–cars and laundry always decorate a handful of the cottages come July). Its collapse took about two weeks; my friend Doug, who has put up many buildings in his time, said, with grim relish, “Its moving!” A good wet snow brings the untended outbuilding down, like a bomb. The degrees of serious depression are measured by how long the pieces stay, uncleared.
Innovative Concept Appeals to Businesses and Families Alike

PONTE VEDRA BEACH, Fla. — Golf Club Holdings, LLC and the PGA
TOUR are pleased to announce the introduction of THE
TOUR CLUB. Owned and operated by Golf Club Holdings, LLC under
license from the PGA
TOUR, THE
TOUR CLUB is the first national sports entertainment club
membership, which provides corporations and individuals with access to
more than $1 billion in combined assets. Included in membership is a
network of luxury residences, private and resort golf courses,
previously inaccessible golf-centric experiences, VIP access to PGA
TOUR events, TOUR-level golf instruction and event concierge
services.

THE
TOUR CLUB’s corporate membership is designed for organizations
needing entertainment options that are completely customizable,
scalable, geographically diverse, and available on-demand. The
membership is more cost efficient than most traditional forms of
business entertainment and is priced at a fraction of the cost of many
stadium or arena suites. THE
TOUR CLUB corporate membership benefits are ideal for client
entertainment, executive retreats, employee incentives, loyalty
programs, and vendor appreciation.

“Today, organizations need unique and value-driven entertainment
solutions that build key relationships, leading to increased sales,”
said John Fechter, THE
TOUR CLUB President. “Through our strategic alliance with the PGA
TOUR, we are able to offer a compelling alternative to companies
seeking a sharper competitive edge. In April, we are looking forward to
complementing the corporate membership by introducing a family
membership that offers unparalleled access to the world of golf.”

THE
TOUR CLUB membership highlights include:

Austin marriage counseling

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PALOS VERDES ESTATES, Calif. — Malaga Financial Corporation (OTCBB:MLGF), the parent company of
Malaga Bank FSB, today reported that net income for the year ended
December 31, 2009 was $9,494,000 ($1.65 per share basic and $1.64 per
share fully diluted), an increase of $2,418,000 or 34% from net income
of $7,076,000 ($1.24 per share basic and fully diluted) for the year
ended December 31, 2008. This record annual net income resulted in an
ROAE of 16.71% for the year and was achieved in spite of a $1,044,000
increase in FDIC insurance premiums in 2009. Malaga continues to have no
non-performing assets or delinquent loans.

Net income for the fourth quarter was $2,364,000 ($0.41 per share basic
and fully diluted) compared to $1,930,000 ($0.34 per share basic and
fully diluted) for the fourth quarter of 2008, an increase of 22%.

Net income increased in 2009 primarily as a result of a $5,297,000
increase in net interest income due to a $57 million growth in average
interest earning assets and an increase in interest rate spread from
2.74% in 2008 to 3.29% in 2009. The interest rate spread increased
primarily due to our average cost of funds declining faster than our
average yield on interest earning assets.

Malaga recorded a provision for loan losses of $120,000 in 2009 as
compared to $329,000 in 2008. The lower provision in 2009 was
attributable to lower net loan growth of $35 million in 2009 versus $59
million in 2008. Malaga’s allowance for loan losses was $2.8 million, or
0.37% of loans, at December 31, 2009.

Operating expenses increased $1,535,000 or 17% from $8,924,000 in 2008
to $10,459,000 in 2009. This increase was due primarily to a $1,044,000
increase in FDIC insurance premiums. In addition, salaries and related
benefits increased $504,000 due primarily to lower cost offset of
deferred loan origination costs as a result of lower loan origination
volume.

PALOS VERDES ESTATES, Calif. — Malaga Financial Corporation (OTCBB:MLGF), the parent company of
Malaga Bank FSB, today reported that net income for the year ended
December 31, 2009 was $9,494,000 ($1.65 per share basic and $1.64 per
share fully diluted), an increase of $2,418,000 or 34% from net income
of $7,076,000 ($1.24 per share basic and fully diluted) for the year
ended December 31, 2008. This record annual net income resulted in an
ROAE of 16.71% for the year and was achieved in spite of a $1,044,000
increase in FDIC insurance premiums in 2009. Malaga continues to have no
non-performing assets or delinquent loans.

Net income for the fourth quarter was $2,364,000 ($0.41 per share basic
and fully diluted) compared to $1,930,000 ($0.34 per share basic and
fully diluted) for the fourth quarter of 2008, an increase of 22%.

Net income increased in 2009 primarily as a result of a $5,297,000
increase in net interest income due to a $57 million growth in average
interest earning assets and an increase in interest rate spread from
2.74% in 2008 to 3.29% in 2009. The interest rate spread increased
primarily due to our average cost of funds declining faster than our
average yield on interest earning assets.

Malaga recorded a provision for loan losses of $120,000 in 2009 as
compared to $329,000 in 2008. The lower provision in 2009 was
attributable to lower net loan growth of $35 million in 2009 versus $59
million in 2008. Malaga’s allowance for loan losses was $2.8 million, or
0.37% of loans, at December 31, 2009.

Operating expenses increased $1,535,000 or 17% from $8,924,000 in 2008
to $10,459,000 in 2009. This increase was due primarily to a $1,044,000
increase in FDIC insurance premiums. In addition, salaries and related
benefits increased $504,000 due primarily to lower cost offset of
deferred loan origination costs as a result of lower loan origination
volume.

Granbury real estate

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Palomar Technologies, a world-leading provider
of
microelectronics and optoelectronic packaging systems, announced today that is has
recorded its third straight year of increased revenue and profitability.
Palomars systems and contract assembly services include high precision wire
bonding , complex hybrid packaging, and high accuracy die attach
solutions.

Bruce W. Hueners, President CEO, stated, “As a credit to the employees of
Palomar, the company has maintained measured growth the last 3 years in a
difficult economic environment while sustaining high operational
efficiency.” The company is based in Carlsbad, CA and has offices in
Germany and Singapore and a staff of service technicians located around the
world.

Palomar Technologies is formerly a division of Hughes Aircrafts Industrial
Products Division. For decades, Hughes led the world in avionics and
satellite communication innovation and technology products. Hughes Aircraft
was the first company to develop the first working prototypes of what are
now wire bonders and die bonders (Palomars core product). Palomar has
continued the Hughes legacy of expertise in complex, high reliability and
high power packaging applications, mostly found in the aerospace, defense,
medical, RF and optoelectronic industries.

Palomar
Microelectronics , based in Palomars southern California facilities, is
the development, test, and contract assembly division of Palomar
Technologies. Contract assembly and manufacturing has proved an ideal
solution for customers worldwide in need of immediate production of parts
and
micro-optoelectronic packages while their customized wire and die bonding
systems are being built. Start-ups and cash-strapped companies also benefit
by getting scalable production accomplished while keeping capital costs
low. Palomar retains significant clean room space and equipment to service
its customers.

Major progress has been made in restoring
the Digicel network in Haiti. With more than twice the number of cell sites
of its nearest competitor, over 92% of them are now fully operational and
the company has significantly increased its international circuits to
support the major increase in international traffic into and out of the
country.

Over the past two weeks, Digicel technicians have been working to restore
the network following the earthquake on January 12th. The update is as
follows:

“We have also increased our international circuits to support the
significant increase in international traffic both into and out of Haiti,
as our more than two million customers keep in contact with friends and
family, and as a result of the high volume of aid workers who have traveled
to Haiti to assist in the relief efforts. We are committed to ensuring that
everyone in Haiti benefits from a network that offers them the best service
and the best coverage right across the country.”

Digicel employees across the region have been taking part in a variety of
initiatives to raise money for the Digicel Haiti Relief Fund. In Dominica,
a Digicel-organized radiothon received pledges for over US$40,000 in just
five hours; in Cayman, Digicel is sponsoring a concert on January 30th and
all proceeds from the sale of food and drink at the event will be donated
to the relief efforts; and in Jamaica, thousands of items of clothes and
non-perishable food have been donated by friends, families and customers of
Digicel and sent to NGOs in Haiti.

pharmacy technician careers

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WESEL, Germany — The specialty chemicals Group ALTANA AG concluded the business year 2009
with noticeably lower sales and earnings figures compared to the prior
year due to the effects of the economic crisis. Despite a pronounced
upturn in business in the second half of the year, sales declined to
€1,182 million, following €1,342 million in 2008, which is a decrease of
12%. Adjusted for positive exchange rate as well as acquisition effects,
the operating sales decrease was 15%. On account of the worldwide
economic crisis, sales in all regions remained below the figures of the
previous year; in some regions the losses were quite pronounced. At 17%,
the highest decline was recorded in Europe, followed by North and South
America with a drop of 12%. The Asian region was comparatively stable,
with a sales decrease of only 2% for the full year. Here, ALTANA was
able to achieve significant growth rates in the second half of 2009,
particularly in China.

Sales development by division

The BYK Additives Instruments division achieved sales of €420 million
in 2009, corresponding to a decrease of about 7% on the prior year. In
the ECKART Effect Pigments division, sales dropped by 20% from €351
million in 2008 to €282 million in 2009. Sales in the ELANTAS Electrical
Insulation division in 2009 amounted to €273 million; this is a decrease
of 16% compared to 2008 (€327 million). ACTEGA Coatings Sealants
achieved sales of €207 million in 2009, which is only slightly below the
2008 figure (€214 million).

EBITDA margin just under the prior year due to resolute
countermeasures

Vectren Corporation (NYSE: VVC) announced
the Board of Directors declared a quarterly common stock dividend of 34
cents per share, unchanged from the prior quarter. The dividend will be
payable March 1, 2010 to shareholders of record at the close of business on
February 16, 2010.

Last October, Vectren increased its quarterly dividend rate, extending
Vectren and predecessor companies record of increasing annual dividends
paid to 50 consecutive years.

Business Opportunities in Singapore

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Company Makes List Third Consecutive Year

RICHMOND, Va. — CarMax, Inc. (NYSE:KMX), the nation’s largest retailer of used
cars, has been named for the third straight year to Training
magazine’s Training Top 125. CarMax came in this year at No. 26, up
thirty-one spots from the previous year.

Training magazine, the training industry’s premiere publication,
annually selects 125 organizations that excel at associate development.
These companies are chosen based on criteria such as best training
practices, evaluation methods and outstanding training initiatives.

“Training is directly linked to our company goals of associate
development and associate engagement,” said Tom Folliard, president and
chief executive officer of CarMax.
“As we focus on building a better CarMax, we are committed to providing
the tools and materials our associates need to succeed in their current
roles and beyond.”

CarMax regularly adds new training content and reviews existing content
to guarantee that the curriculum meets the needs of the business. Among
CarMaxs most comprehensive training programs:

SANTA MONICA, Calif. — Edmunds.com
has noticed that Toyota purchase intent has risen dramatically since the
company announced a fix for its recall.*

“Toyota purchase intent fell from 13.9 percent of Edmunds.com car
shoppers to 9.7 percent during the height of the recall frenzy,”
according to Edmunds.com Senior Analyst David Tompkins, PhD. “Toyota
purchase intent is back to 11.8 percent and seems to be climbing
steadily.”

Where do Toyota competitors currently stand?

Maxicabs Singapore

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Jumptap, the leading mobile advertising
solutions provider, today announced the industrys first integrated mobile
advertising solution for the new Apple tablet. Brand and performance
advertisers, publishers, and application developers now have a mobile ad
solution that works across multiple devices regardless of form factor –
maximizing ROI, reach, and relevancy. Jumptaps new ad solution provides
advertisers with a powerful new marketing channel, the new Apple tablet,
which is expected to reach nearly 10 million consumers in 2010 (source:
Gizmodo, Dec. 2009).

The new solution leverages Jumptaps advanced targeting technologies and expertise to harness the
power of mobile advertising on tablets. The integrated solution works
across all mobile devices to enable application developers to more widely
distribute more content and services. Brand advertisers can enjoy the same
benefits of advanced targeting, including geo-targeting and location-based
services like couponing. Advertisers also benefit from Jumptaps existing
network of application developers, whose applications will be among the
first content and services on the Apple tablet. Jumptaps proprietary
technologies, which leverage search-based algorithms, deliver highly
relevant ads that create an experience that appeals to the mobile consumer,
optimizes yield for publishers and provides the best ROI
for advertisers.

“While the Apple tablet has a larger screen than a phone, the tablet is
still attached to consumers on-the-go who have different needs and behavior
than PC users,” said Paran Johar, chief marketing officer at Jumptap. “Our
mobile technology and business expertise allow us to reach tablet consumers
with more relevant and more timely ads than PC-online ad networks.”

OAISYS ®, a
leader in small- to medium-sized business (SMB) and enterprise-class call
recording and contact center management solutions, today announced that Tracer , the industrys leading
digital call recording solution for contact centers, has received a 2009
Product of the Year Award from Technology Marketing Corporations (TMC®)
Customer Interaction Solutions magazine, the leading publication covering
CRM, call centers and teleservices.

“I am pleased to honor OAISYS for their hard work and success. OAISYS has
displayed true innovation and excellence in the development of contact
center recording solutions, and is dedicated to improving the contact
center experience and ROI for the companies that use them,” said Rich Tehrani , CEO,
TMC.

“We are proud to receive Customer Interaction Solutions magazines Product
of the Year Award for our Tracer call recording and interaction management
software,” said Brian Spencer, president of OAISYS. “Tracer delivers a
sophisticated, yet simple to use, highly affordable call recording solution
to the enterprise market. Our customers use Tracer to enhance and protect
revenue streams, reduce agent turnover and associated training costs and
maximize overall profitability of their contact center operations.”

Tracer utilizes patent-pending OAISYS Portable Voice Document (PVD™)
technology to capture telephone-based interactions as digital call
recordings, or voice documents, that are available to store, organize, play
back, annotate and share with others as needed. This core PVD functionality
is paired with Tracers advanced contact center management features,
including employee performance evaluations, the ability to live monitor
calls and generate quality and resource utilization reporting.

Tracer seamlessly integrates with business communications systems from
leading providers such as Avaya, Mitel, Toshiba and ShoreTel, as well as
with most standards-based IP and legacy TDM systems.

Traditional models for predicting
marketplace potential for “one-size-fits-all” drugs are inadequate for the
new world of personalized medicine in which developers of targeted
therapies hope to follow in the footsteps of successful drugs, such as
Genentechs Herceptin® or Tarceva®, according to the authors of a special
report in the current issue of Personalized Medicine (Vol. 7, Issue 1,
2010, pp.103-114).

The report describes why conventional financial models for predicting net
present value (NPV) and return on investment (ROI) for traditional drugs
dont work for development of targeted therapies. Currently, pharmaceutical
development teams lack financial benchmarks needed to understand how
targeted therapies and related diagnostics will perform in the emerging
personalized medicine marketplace — with a potential value of $245
billion, by some estimates.

Personalized medicine involves diagnostic testing to identify a patients
or a diseases specific genetic makeup and the use of this information to
identify the most appropriate therapy for that patient.

“Typically, executives fail to understand that targeted therapies and
associated tests are fundamentally different products from
one-size-fits-all drugs,” said Peter Keeling, chief executive officer of
Diaceutics and a co-author of the report. “Targeted drugs and stand-alone
tests do not behave in the market in the same way as one-size-fits-all
drugs or diagnostic tests.”

According to Keeling, pharmaceutical development teams have yet to
establish a financial model that enables them to maximize NPV and ROI for
targeted drug therapies that rely on a companion diagnostic test. In fact,
the authors estimate that Herceptin, as successful as it was, lost an
additional $3 billion in revenue as a result of a poorly executed companion
diagnostic strategy.

Data Driven Marketing Tool

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BALTIMORE — Professional Healthcare Hospice Foundation is pleased to announce the
fifth annual Emily Schindler Lecture, to be held at the Meeting House in
Columbia, MD on Friday March 19, 2010 from 8:30 a.m. to 12:30 pm. The
lecture will be entitled “”The Meaning of Life: Lessons Learned from the
Suicidal Patient” and will feature world renowned suicidologist and
author, David Jobes, PhD., ABPP. Dr. Jobes is Professor of Clinical
Psychology and Co-Director of Clinical Training at The Catholic
University of America in Washington, DC.

Social Workers who attend the session will have the opportunity to
obtain CEUs, although the event is open to anyone with an interest in
the topic. Breakfast will be provided to all attendees.

Emily Schindler was an 18 year old freshman at Frostberg State
University when she was tragically killed in a car accident. Emily is
the daughter of Charles and Jane Schindler. Jane was a social worker
with the Saint Agnes Hospital Hospice Program, the former name for the
Professional Healthcare Resources Hospice Program, and the Saint Agnes
Cancer Center. The Emily Schindler Memorial Lecture was established in
2005 through a gift to the Schindler Family from The Saint Agnes Cancer
Center.

It is a common misconception that day trading is very risky,
but the truth of the matter is, risk is involved in any business start-up,
and many of the people who have lost massive amounts of money online trading never
learned or practiced properly, says Traders International, a leading online day trading
educational company.

Traders International teaches new and experienced traders worldwide how to
succeed from the daily volatility, liquidity and leverage of the E-mini
markets with powerful trading methods, sound money management techniques
and the psychology of online
trading .

“While a large part of our teachings involves the Traders International
Market Expert System (TIMES), we also focus on the proper psychology of
online trading, which is often overlooked in the industry,” said Afshin
Taghechian, founder and CEO of Traders International. “Developing a winning
mindset is essential to becoming a consistently profitable trader.”

When asked what the psychology of online trading entailed, Taghechian
divulged a few day trading tips that he shares with his members. “One of
the main points I cannot stress enough, is to maintain a certain amount of
detachment from your online day trading. If you have a bad trade that you
execute with proper risk management and it has a favorable edge — you have
to forget about it. But if you have an exceptionally good trade its no
different; you have to forget about that too. The more you are able to
eliminate extreme emotion from your online trading, the better off you will
be.”

WASHINGTON — Little girls may learn to fear math from the women who are their earliest teachers. Despite gains in recent years, women still trail men in some areas of math achievement, and the question of why has provoked controversy. Now, a study of first- and second-graders suggests what may be part of the answer: Female elementary school teachers who are concerned about their own math skills could be passing that along to the little girls they teach. Beilock and colleagues studied 52 boys and 65 girls who in classes taught by 17 different teachers. Ninety percent of U.S. elementary school teachers are women, as were all of those in this study. Student math ability was not related to teacher math anxiety at the start of the school year, the researchers report in Tuesdays edition of Proceedings of the National Academy of Sciences.

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Funds Will Help Bring More Technology to K-12 Classrooms Across
the U.S.

NEW YORK — Doing IT for Good (DITFG), the corporate philanthropy platform of
strategic advisory firm Landmark Ventures, today announces Digital Wish
as the 2010 beneficiary of a $50,000 financial and consulting grant.
Digital Wish is an online forum where teachers can find funding for
their technology wish lists, and communities can engage with local
schools with the goal of modernizing K-12 classrooms with technology and
preparing students for tomorrows workforce.

DITFG focuses on leveraging Landmark’s experience and relationships
across the technology and financial sectors toward the support of
deserving nonprofits. The program aims to encourage new methods of
corporate social responsibility and increase the social impact of
Landmark’s company, community and network.

“The selection of Digital Wish provides a unique opportunity for the
DITFG network to apply its expertise and thought leadership to support a
promising organization at a critical stage of development,” said
Landmark Ventures General Partner Zeev Klein. “And through their work of
connecting teachers and corporations to bring technology into local
classrooms, working with Digital Wish will allow us to support an
extensive underserved community of thousands of K-12 students.”

“We are very thankful to Doing IT for Good for selecting Digital Wish as
the grant recipient. We currently have more than 116,000 schools listed
on Digital Wish, 26,037 educators and donor registrants from all 50
states, and source over 700 technology products from 54 vendors. This
grant will help us increase these numbers and strengthen our foundation
so we can continue to help today’s students become tomorrow’s leaders,”
said Digital Wish Founder and Executive Director Heather Chirtea.

EnergyClimate Solutions working with Babson College and Clark
University among other area schools

WALTHAM, Mass. — EnergyClimate
Solutions (ECS), a new company led by Massachusetts clean energy and
environmental leaders, has emerged to assist the state’s colleges and
universities to substantially reduce energy consumption and greenhouse
gas emissions. ECS was formed by energy efficiency and renewable energy
veterans who have developed and implemented more than $1.3 billion in
clean energy installations.

“We see colleges as being key leaders in sustainability and climate
change,” said Rob Pratt, EnergyClimate Solutions CEO and former Director
of the Massachusetts Renewable Energy Trust. “Students, faculty and
college administrations care about being good environmental stewards by
reducing their carbon footprints. ECS can help colleges and universities
implement large-scale energy and water efficiency programs that will
truly make a difference in cutting consumption, costs and emissions.”

ECS is working with Babson College in Wellesley and Clark University in
Worcester. “Babson College seeks to be the leading business school in
sustainability. We are working with Energy Climate Solutions on ways to
reduce the College’s energy consumption and carbon emissions in keeping
with our core learning values of living entrepreneurially and
sustainably,” stated Babson President Leonard Schlesinger. “ECS also has
been working with our students, faculty and staff to support Babsons
strategic goal of focusing curricular and co-curricular activities on
the triple bottom line of People, Planet and Profit.”

“Clark University faculty, staff and students are very actively engaged
in initiatives to promote environmental sustainability,” said Clark
University Provost and President-Elect David Angel. “Our Climate Action
Plan sets a goal of achieving climate neutrality by 2030. We are
delighted to be working with ECS as we undertake initiatives to
accomplish this goal of net zero greenhouse gas emissions for Clark.”

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AT THE END of October, the White House released figures claiming that money from the $787 billion stimulus package pushed by President Obama had “created or saved” 640,000 jobs. A closer look suggests that the number was inflated dramatically by human error, confusing federal forms, double counting, and dubious assumptions. In Wisconsin, for example, $7.3 million was allocated to the Parkland Sanitary District for work that will not begin until spring. That money is credited with 100 jobs. The correct figure was five jobs. District treasurer Eric Shaffer filled out the form incorrectly, writing down 50; that number was then counted twice, since the money was part grant and part loan. “We are volunteers, and we made a mistake,” Shaffer told the Milwaukee Journal Sentinel.
Strong Commercial Loan and Core Deposit Growth Continues

PROVIDENCE, R.I. — Bancorp Rhode Island, Inc. (NASDAQ: BARI), the parent company of Bank
Rhode Island, today reported net income of $2.1 million, or $0.44
diluted earnings per share (EPS), for the quarter ended December 31,
2009, compared to net income of $2.3 million, or $0.48 diluted EPS,
after preferred stock dividends and discount accretion, for the fourth
quarter 2008.

Net income for 2009 was $6.5 million, or $0.90 diluted EPS, after
preferred stock dividends and discount accretion, compared to net income
of $9.1 million, or $1.96 diluted EPS, after preferred stock dividends
and discount accretion for 2008. The Company noted that during the third
quarter 2009, it repurchased its preferred stock and the warrant to
purchase its common stock previously issued to the U.S. Treasury
Department. The repurchase of the preferred stock and the discount
accretion associated with its issuance had a negative impact on the
Company’s EPS of $0.49 per share for 2009 and $0.01 per share for 2008.

The net interest margin for the fourth quarter 2009 was 3.42 percent, an
increase of 13 basis points from the fourth quarter 2008 and an increase
of 4 basis points from third quarter 2009. For 2009, the net interest
margin was 3.25 percent, an increase of 4 basis points compared to 2008.

At December 31, 2009, the Company’s tier 1 capital ratio was
approximately 7.6 percent and its total risk-based capital ratio
exceeded 12.0 percent.

NEW YORK — Despite performance improvements late last year, loss frequency will
remain heightened for U.S. prime auto ABS in 2010 with unemployment
expected to remain in the 10% range for much of 2010, according to Fitch
Ratings.

After hitting record highs in 2009, U.S. prime auto loan ABS loss rates
posted improvements in the final months of last year. Prime annualized
net losses (ANL) were at 1.52% in December 2009, a 6% improvement
compared to November. On an annual basis, loss levels have improved 23%
against December 2008, supported by improving and stable used vehicle
values which drove recovery rates higher throughout most of 2009.
December posted the fourth consecutive year-over-year improvement in ANL.

Prime auto loan ABS exhibited solid rating performance in 2009, despite
declining asset performance and elevated loss levels. Fitch issued 33
rating upgrades in 2009 versus 36 in 2008. There were six prime
downgrades issued on just two transactions in 2009, virtually unchanged
compared to 2008. Stable ratings performance is attributed to several
features present in auto loan ABS including transaction loss proxies
being derived utilizing performance data from the weakest performing
vintages (2007 and 2008); and structural features including quick
amortization along with building credit enhancement levels.

Fitch expects both delinquency and losses to improve in the first
quarter of 2010 driven solely by seasonal patterns. Workers getting
back to work from the holidays, bonuses, and also tax refunds and
rebates all aid consumers during the first few months of the year, said
Senior Director Hylton Heard.

Fitch believes that loss severity will be less of a factor in 2010, as
the new and used vehicle markets adjusted capacity by severely cutting
production levels and thus reducing supply into the used vehicle market.
Risks that could drive loss severity higher in 2010 include weakness at
the manufacturer level, which would then affect brand values and
ultimately depress recovery rates on defaulted loans.

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In the midst of one of the Arizona real estate
industrys toughest years, Talking Rock has reported
positive sales figures for 2009. The luxury golf community in Prescott,
Ariz. rounded out the year with 55 unit sales, with four of those occurring
in December alone. Homesite and home sales combined to surpass the total
number of sales in 2007 and 2008.

Talking Rock attributes its success to a number of things including a
thriving clubhouse community with active members, continued infrastructure
investments and the decision to continue its marketing operations, even as
many others have gone dark. The Prescott new homes
community has used the market slow-down to spark creative strategies
for reaching new buyers and maintaining visibility within its own community
and beyond.

“Weve felt the effects of the economic downturn, but Talking Rocks
commitment to authenticity has not faltered,” says Jim Jones, director of
sales for Talking Rock. “We provide the same member benefits, stunning
surroundings and laid-back lifestyle we always have.”

Talking Rock offers a variety of homes and homesites
in Prescott , including Ranch Cottages, ideal for a lock-and-leave
lifestyle, plus Ranch Homes, Custom Homes and custom homesites ranging from
one-half to five acres. Residents of the community can take advantage of an
ideal four-season climate and resort style amenities, including hiking and
biking trails, one of the finest private championship golf courses in
Arizona , several dining and fitness options, and planned events that
take place at Talking Rocks communal gathering area, The Ranch Compound.

In the midst of one of the Arizona real estate
industrys toughest years, Talking Rock has reported
positive sales figures for 2009. The luxury golf community in Prescott,
Ariz. rounded out the year with 55 unit sales, with four of those occurring
in December alone. Homesite and home sales combined to surpass the total
number of sales in 2007 and 2008.

Talking Rock attributes its success to a number of things including a
thriving clubhouse community with active members, continued infrastructure
investments and the decision to continue its marketing operations, even as
many others have gone dark. The Prescott new homes
community has used the market slow-down to spark creative strategies
for reaching new buyers and maintaining visibility within its own community
and beyond.

“Weve felt the effects of the economic downturn, but Talking Rocks
commitment to authenticity has not faltered,” says Jim Jones, director of
sales for Talking Rock. “We provide the same member benefits, stunning
surroundings and laid-back lifestyle we always have.”

Talking Rock offers a variety of homes and homesites
in Prescott , including Ranch Cottages, ideal for a lock-and-leave
lifestyle, plus Ranch Homes, Custom Homes and custom homesites ranging from
one-half to five acres. Residents of the community can take advantage of an
ideal four-season climate and resort style amenities, including hiking and
biking trails, one of the finest private championship golf courses in
Arizona , several dining and fitness options, and planned events that
take place at Talking Rocks communal gathering area, The Ranch Compound.

AUSTIN, Texas — Golfsmith International Holdings, Inc. (Nasdaq: GOLF) today announced
plans to open four new stores in 2010 and retrofit several additional
stores.

“In 2009 we experienced solid market share growth and dramatically
improved cash flow in a tough economic climate,” said Marty Hanaka,
president and CEO of Golfsmith. “We know that our new stores will
inspire golfers more than any other golf retailer to play better and
enjoy life more. We continue to build momentum and these new stores are
just the beginning and are a key part of our strategic growth plans.”

In addition to the four new stores, Golfsmith will also retrofit several
older stores to bring them up to date with the company’s newest format
and design which offers golfers a much greater opportunity to experience
the game. The first store to be redesigned this year is Golfsmith’s
Downer’s Grove location in Chicago, Illinois.

New Stores:

golf

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Net loss available to common shareholders of $0.34 per share for
fourth quarter

Non-performing assets ended the quarter at 2.38% of total assets

Deposits increased $225 million, or 3%, during fourth quarter, and
13% for full year

Non-interest bearing demand deposits increased 5% during fourth
quarter, 12% for full year

Reduction in loans past due 30-89 days of 10% during fourth quarter,
30% for full year

Loan Modification Company Responds to Rapid Rise of Homeowners
Opting to Short Sell Instead of Foreclose

WESTLAKE VILLAGE, Calif. — US Home Loan Advocates, Inc. (USHLA) a leading loan modification
company, is extending their expert loss
mitigation negotiation services to real estate agents.
The number of homeowners with upside down mortgages is growing
rapidly. The credit recovery period for a short sale is two-three years
as opposed to the lengthily seven-year stay of a foreclosure. For
that reason, more homeowners are opting to short sell their properties
instead of facing foreclosure. A short sale will reflect
negatively on a homeowner’s credit report; however, compared to
foreclosure, it is the lesser of the two evils.

“As the number of homeowners forced to short sell rises, our
support will enable real estate agents to concentrate on listing and
selling more properties; thereby, increasing the number of distressed
homeowners the agents are able to help,” explains David Bartels,
president of USHLA.

The short sale process is time consuming and requires persistence
and experience. USHLA’s experienced professionals will conduct the
required financial consultation with the seller, collect the paperwork
and appropriately package all of the documentation for the lender.
Thereafter, an USHLA expert will work with the lender to quickly
and successfully negotiate the purchase price and the real estate
agent’s full commission for the short sale transaction.

“Signature Properties trusted relationship with USHLA
substantially improves my ability to efficiently manage the increase in
short sale activity. USHLA provides my customers with consistent quality
and expert service,” explains Judy Dunham of Signature
Properties in Coronado, California.

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Leading Executive Services Firm Announces the Addition of Paul Samett

PHILADELPHIA — Tatum, LLC, the largest executive services firm in the United States,
today announced that Paul Samett has joined Tatum as a Partner
with the firm’s Philadelphia practice.

“Samett is a seasoned executive whose experiences are critical for
developing strong client relationships, gaining traction in the
Philadelphia market and supporting growth,” said Bob Harman, Managing
Partner for Tatums Philadelphia practice. “Our clients are beginning to
prepare for an economic recovery, and are demanding access to leaders
who can usher in stability and protect liquidity while positioning their
business for growth. The need for seasoned financial executives in
businesses of all sizes is rising, so bringing on a financial leader
such as Samett is invaluable to the firm’s evolution,” continued Harman.

During Samett’s 30-year career, he has been Chief Financial Officer and
Chief Risk Officer with U.S. and international companies, both public
and privately held, including middle-market and larger companies. Samett
specializes in financial leadership, mergers acquisitions, raising
capital, turnarounds, CFO mentoring, and public and emerging-growth
companies. Paul also has significant transactional experience, having
evaluated, negotiated and executed over 200 debt and equity transactions
on both the buy side and sell side, including IPOs. Industry experience
includes private equity, shipping, financial services,
telecommunications, manufacturing, retail, distribution and energy.

— Synergies of relationship deliver global procurement and advisory
expertise combined with market-leading technology and access to rich TE
data –

NEW YORK — American Express Business Travel and Concur® (NASDAQ: CNQR) announced
today a global agreement that offers clients one comprehensive corporate
travel and expense management program. Powered by Concur Travel
Expense and backed by American Express Business Travel’s leading global
travel management services and expertise, corporate customers now have
access to a single end-to-end program. The relationship delivers all
three components of a best in class travel and expense management
program – payment, travel management and expense management. As part of
this relationship, the companies will create a joint product council
which will develop new functionality and services exclusively available
to companies using this end-to-end program. This extends the successful
relationship Concur currently has with American Express through the
agreement previously announced with Global Commercial Card.

This global relationship combines two leaders in corporate travel and
expense management, and streamlines purchasing and fulfillment of travel
and related services with expense processing, reimbursement, analysis
and reporting. As the leading provider of business travel management,
American Express Business Travel brings its global purchasing power to
users of the solution, offering competitive rates for airfare, hotel
rates and car rental prices. In addition, the company’s consultative
approach to travel and expense management can enable companies to
accelerate their savings and maximize return on their travel investment.
Concur – trusted by more organizations around the world than any other
for travel and expense management – offers companies powerful on-demand
travel booking and expense management solutions allowing for greater
transparency and control over employee spending and compliance to policy.

“By entering into this agreement with Concur, we are leveraging the
strengths of our highly compatible and complementary business models to
deliver unique value to our corporate clients,” said Lisa Durocher,
senior vice president, global marketing, American Express Business
Travel. “With Concur we can provide companies with an integrated process
to streamline their travel and expense management process and also offer
our consulting expertise to accelerate the benefits of this
relationship.”

Leading Executive Services Firm Announces the Addition of Paul Samett

PHILADELPHIA — Tatum, LLC, the largest executive services firm in the United States,
today announced that Paul Samett has joined Tatum as a Partner
with the firm’s Philadelphia practice.

“Samett is a seasoned executive whose experiences are critical for
developing strong client relationships, gaining traction in the
Philadelphia market and supporting growth,” said Bob Harman, Managing
Partner for Tatums Philadelphia practice. “Our clients are beginning to
prepare for an economic recovery, and are demanding access to leaders
who can usher in stability and protect liquidity while positioning their
business for growth. The need for seasoned financial executives in
businesses of all sizes is rising, so bringing on a financial leader
such as Samett is invaluable to the firm’s evolution,” continued Harman.

During Samett’s 30-year career, he has been Chief Financial Officer and
Chief Risk Officer with U.S. and international companies, both public
and privately held, including middle-market and larger companies. Samett
specializes in financial leadership, mergers acquisitions, raising
capital, turnarounds, CFO mentoring, and public and emerging-growth
companies. Paul also has significant transactional experience, having
evaluated, negotiated and executed over 200 debt and equity transactions
on both the buy side and sell side, including IPOs. Industry experience
includes private equity, shipping, financial services,
telecommunications, manufacturing, retail, distribution and energy.

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CHRIS GELLERT A physical therapist and personal trainer for 19 years, Gellert is the founder of Pinnacle Training Consulting Systems in Germantown, Md. pinnacle-tcs.com Grasso has consulted for everyone from housewives to pro athletes. He is the founder of the International Youth Conditioning Association. iyca.org
The National Holistic Institute will donate all proceeds from massages given Thursday at their Emeryville and San Francisco campuses to a Haiti relief fund. The institute is a training school for massage therapists. The cost for a 50-minute massage is $35. Students, graduates, administrators and teachers are all donating their time and skills to help raise money for Haiti after the massive earthquakes earlier this month, said institute President Tim Veitzer.
[ILLUSTRATION OMITTED] Dont get us wrong–your lady probably gives great massages. But sometimes we need more than just a happy ending. Like a muscle-relieving sports massage. In fact, more and more elite athletes are incorporating regular rubdowns into their recovery programs, hitting strained hamstrings, pulled groins, and aching backs. “Guys are bigger, faster, and stronger, and as a result, collisions are more violent,” says South Florida–based sports massage therapist Chris Pikosky, whos worked on Super Bowl (Pittsburgh Steelers) and Stanley Cup (Carolina Hurricanes) champs. But you dont have to be an elite athlete to benefit from a good sports massage. This aint your girls froufrou spa day. Think a vigorous deep-tissue treatment. “A Swedish massage is soothing, and theres a lot of value to it, but its different from what an athlete is looking for,” Pikosky says. Sports massages involve rubs and stretches that target specific muscles and increase athletes range of motion.

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WMIs UK
Furniture Market Data Forecast to 2013 market profile is the
essential source for top-level retail industry data and analysis
covering UK.

The report provides historical data and forecasts for the UK Furniture
industry in the period 2004-2013, analysis of the competitive landscape
and profiles of the major market players, plus top-level analysis of the
key factors driving the industry.

Scope of the report:

Fashion4Home, Inc. launched today as the first
online-only furniture retailer in the US to offer consumers high quality modern furniture at 50-70% less
than traditional retail prices. Fashion4Home.com is a wholly-owned
subsidiary of the German company of the same name, which launched in Europe
in November 2009.

To celebrate the companys US launch, Fashion4Home.com is giving away
discount codes through Twitter . Just follow @Fashion4Home and tweet “Send me
a discount code @Fashion4Home #design #furniture #deals.”

Fashion4Home.com is reorganizing the home furniture supply
chain by creating a direct-to-consumer connection for high-end furniture,
designers and manufacturers. By eliminating all of the associated costs of
inventory and compressing the entire supply chain, Fashion4Home.com is able
to give consumers the highest quality designer
furniture at a fraction of the price.

In addition, Fashion4Home.com gives consumers the ability to comment and
vote on designs in consideration, thereby influencing the products offered
in the online store. This creates an open innovation environment for top modern furniture designers to
share their ideas directly with consumers, gain immediate feedback and
speed up product design. Fashion4Home.com is the worlds first hub for
furniture designers and consumers to interact directly, making the design
and purchasing process more engaging, fun and affordable.

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[ILLUSTRATION OMITTED] Swelling and pain are usually the result of a stretched or torn ligament.
[ILLUSTRATION OMITTED] Dont get us wrong–your lady probably gives great massages. But sometimes we need more than just a happy ending. Like a muscle-relieving sports massage. In fact, more and more elite athletes are incorporating regular rubdowns into their recovery programs, hitting strained hamstrings, pulled groins, and aching backs. “Guys are bigger, faster, and stronger, and as a result, collisions are more violent,” says South Florida–based sports massage therapist Chris Pikosky, whos worked on Super Bowl (Pittsburgh Steelers) and Stanley Cup (Carolina Hurricanes) champs. But you dont have to be an elite athlete to benefit from a good sports massage. This aint your girls froufrou spa day. Think a vigorous deep-tissue treatment. “A Swedish massage is soothing, and theres a lot of value to it, but its different from what an athlete is looking for,” Pikosky says. Sports massages involve rubs and stretches that target specific muscles and increase athletes range of motion.
Dear Abby: I am in my early 40s, and married with two daughters. I have a friend, “Sally,” whom I have known since the third grade. We are like sisters. Sally has been profoundly depressed for at least 15 years. She sees a therapist and a psychiatrist on a regular basis and is on medication. Short of listening and providing the proverbial shoulder to lean on, what more can I do? I feel I need to be there for her, but I also feel drained dry because this has been going on for several years. Any guidance you might offer would be greatly appreciated. — Concerned Friend in Florida Dear Concerned: You are a supportive friend, but when Sally calls crying so hard she can hardly talk, tell her that the person she needs to be talking to is her therapist. By allowing her to vent to you, you are preventing the therapist from evaluating her while shes in crisis and giving her the tools she needs to improve. Your friend may need to have her meds adjusted or changed, and seeing Sally while she is “at the bottom” could give her therapist valuable insights. If Sally isnt capable of placing the call to her therapist, offer to do it for her.

occupational therapy training

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FOSTER CITY, Calif. — Mikojo Inc., (OTCBB:MKJI), an Internet search engine company that
develops and deploys innovative advanced information search products for
consumer and enterprise solutions, announced today that on January 22,
2010, it entered into a credit enhancement agreement (the “Facility”)
with Atlas Investment Corporation, pursuant to which Atlas will issue
Letters of Credit (LCs) to support Mikojo advertising expenses
aggregating approximately $23 million over a 14-month period.

Under the terms of the Facility, Atlas will provide LCs issued by
acceptable banking institutions to serve as collateral for Mikojo’s
agreements with its advertising partners. It is anticipated that LCs
will be issued, released and re-issued on a revolving basis and that the
maximum amount of LCs outstanding at any point in time will be
$5,000,000. The Facility has an initial term of 14 months, with an
option to renew or rollover (at the sole discretion of Atlas) for an
additional 12-month period. The initial 14-month time frame permits
Mikojo to utilize a 2-month time period to ramp up its advertising
business, followed by 12 months of advertising operations. Atlas has
agreed to provide an initial LC in the amount of $1,000,000 the first
month of the Facility; two additional LCs aggregating an additional
$2,000,000 the second month and additional LCs totaling $2,000,000 the
third month, to bring the aggregate total to the agreed $5,000,000. It
is anticipated that the aggregate amount of LCs to be provided over the
initial term of the Facility is approximately $23 million.

In consideration of Atlas providing the Facility, Mikojo shall issue
senior debentures to Atlas over the initial term of the Facility
aggregating $4,600,000 (subject to adjustment in the event the full
amount of the Facility is not utilized), which will have staggered
maturity dates commencing 3 months following the issuance of the initial
LC. Unless the facility is prematurely terminated, the $4,600,000 is the
estimated minimum amount of debentures the company expects to issue to
Atlas. In addition to the Facility, Atlas will have the first right of
refusal to arrange for factoring of Mikojo’s receivables that are
generated by utilizing the LC collateral provided by Atlas. Such
factoring could provide Mikojo with additional cash, which could produce
additional revenues through the ability to support the placement of
additional advertising.

“The completion of this Facility will enable Mikojo to rapidly expand
its advertising efforts, and support the completion of our next
generation intelligent search engine technology,” commented James Cates,
President and Chief Executive Officer.

As the Met office issues flood warnings this week, motorists could be left submerged – both literally and financially.

Flooding can cause extensive damage to a vehicle, both to the bodywork and the engine. Drivers can face extremely high repair bills or worse still have their car written off. It is estimated that nearly 27% of UK drivers may not be insured if their vehicle is damaged as a result of flooding.

The North East of England has been issued with a Flood Warning with the Midlands, South West Greater London areas being issued with Flood Watch warnings.

Leading high street insurance retailer, Swinton is advising UK drivers to check their car insurance policy for flood cover as many drivers may not be covered should their vehicle be damaged.

Steve Chelton, Swintons Insurer Development Manager said: “Some drivers choose third party only or third party fire and theft policies because they are less expensive and easy to understand. However these car insurance policies might not provide cover for flood damage and it is crucial that drivers are conscious of what is and isnt included in their policy.”

SAN FRANCISCO — Adura Technologies™, which creates turn-key wireless lighting and HVAC
management systems for commercial facilities, today announced it has
become one of the first companies to win an Autodesk Clean Tech Software
Grant.

The Autodesk program provides free design and engineering software to
early-stage clean technology companies in North America that are working
to solve some of the world’s most pressing environmental challenges.

“We are delighted to have been chosen for this award,” said Jack Bolick,
Adura president. “The Autodesk suite of software tools will streamline
and extend Adura’s offerings for clients. We look forward to working
with Autodesk to determine how our applications can work together to
further automate our processes, from sales to installation.”

“We are proud to partner with Adura Technologies, which is one of the
leaders in the field of lighting and other energy management systems for
existing buildings,” said Lynelle Cameron, director of Sustainability,
Autodesk. “Design is critical to the successful creation and
implementation of every solution and Autodesk’s products will help
enhance and expedite all of Adura’s offerings.”

Lighting accounts for about 38 percent of electrical costs in U.S.
commercial buildings, according to the U.S. Department of Energy’s
Commercial Building Energy Consumption Survey. However, only about 7
percent of existing buildings have central controls and improving
lighting controls with wired systems is costly and disruptive.

mcse requirements

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[ILLUSTRATION OMITTED] AROUND 3 IN THE MORNING on January 7, 2009, a 22-year-old college student named Anthony Smelley was pulled over on Interstate 70 in Putnam County, Indiana. He and two friends were en route from Detroit to visit Smelleys aunt in St. Louis. Smelley, who had recently received a $50,000 settlement from a car accident, was carrying around $17,500 in cash, according to later court documents. He claims he was bringing the money to buy a new car for his aunt. The officer who pulled him over, Lt. Dwight Simmons of the Putnam County Sheriffs Department, said that Smelley had made an unsafe lane change and was driving with an obscured license plate. When Simmons asked for a drivers license, Smelley told him he had lost it after the accident. Simmons called in Smelleys name and discovered that his license had actually expired. The policeman asked Smelley to come out of the car, patted him down, and discovered a large roll of cash in his front pocket, in direct contradiction to Smelleys alleged statement in initial questioning that he wasnt, in fact, carrying much money. A record check indicated that Smelley had previously been arrested (though not charged) for drug possession as a teenager, so the officer called in a K-9 unit to sniff the car for drugs. According to the police report, the dog gave two indications that narcotics might be present. So Smelley and his passengers were detained and the police seized Smelleys $17,500 cash under Indianas asset forfeiture law. But a subsequent hand search of the car turned up nothing except an empty glass pipe containing no drug residue in the purse of Smelleys girlfriend. Lacking any other evidence, police never charged anybody in the car with a drug-related crime. Yet not only did Putnam County continue to hold onto Smelleys money, but the authorities initiated legal proceedings to confiscate it permanently.
PASADENA, Calif. — eHarmony, Inc. has entered into an agreement to settle a class action
lawsuit brought against the company. The action, Carlson, et. al., v.
eHarmony, Inc., et al., was filed in 2007 on behalf of a class of
gay, lesbian and bisexual individuals in California who alleged that
they were unable to use the company’s website to be matched with
same-sex partners.

The company has not admitted any wrongdoing or liability. The proposed
settlement is subject to approval by the Superior Court of the State of
California, County of Los Angeles, following notice to members of the
class.

In March 2009, eHarmony launched a same-sex matching service called
Compatible Partners. The settlement agreement includes provisions by
which eHarmony will modify and maintain certain features on the
eHarmony.com and Compatible Partners websites to make them even more
welcoming to people who seek same-sex matches. These provisions include:

Additionally under the settlement, all claims will be dismissed and a $2
million settlement fund will be established. Approximately $500,000 will
be designated as a fund for claims by the class. Any unclaimed portion
of this fund will be donated to a charity designated by the court. Fees
to the class counsel will be awarded by the court.

PASADENA, Calif. — eHarmony, Inc. has entered into an agreement to settle a class action
lawsuit brought against the company. The action, Carlson, et. al., v.
eHarmony, Inc., et al., was filed in 2007 on behalf of a class of
gay, lesbian and bisexual individuals in California who alleged that
they were unable to use the company’s website to be matched with
same-sex partners.

The company has not admitted any wrongdoing or liability. The proposed
settlement is subject to approval by the Superior Court of the State of
California, County of Los Angeles, following notice to members of the
class.

In March 2009, eHarmony launched a same-sex matching service called
Compatible Partners. The settlement agreement includes provisions by
which eHarmony will modify and maintain certain features on the
eHarmony.com and Compatible Partners websites to make them even more
welcoming to people who seek same-sex matches. These provisions include:

Additionally under the settlement, all claims will be dismissed and a $2
million settlement fund will be established. Approximately $500,000 will
be designated as a fund for claims by the class. Any unclaimed portion
of this fund will be donated to a charity designated by the court. Fees
to the class counsel will be awarded by the court.

sell structured settlement

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— At the Martinez Library, Story Time programs are free. Over the Moon Story Time: 1:30-2 p.m. Mondays, featuring stories and songs to tickle the funny bone and stretch the imagination. A simple craft will round out the afternoon. Book Buddy: 2-4 p.m. Tuesdays. Drop in for childrens stories told by the Book Buddy.
The Prime Ministers decision to put the well-being of mothers and children at the top of the G8 agenda is a positive step that could save the lives of millions, according to a coalition of leading development organizations that have united to form the Canadian Coalition for Maternal, Newborn and Child Health (CCMNCH).

“In too many places around the world, pregnancy and childbirth are a death sentence – 500,000 women die each year due to pregnancy and delivery-related complications,” says Coalition representative and CEO of World Vision Dave Toycen. “At the same time, 8.8 million children die annually before reaching their fifth birthday – its just unacceptable. We are very pleased with the Prime Ministers intentions and look forward to helping shape this initiative with the government.”

The coalition, comprised of seven Canadian organizations, including leading international development, human rights and grassroots citizens organizations, came together in the lead-up to the Huntsville Summit to highlight the global emergency of millions of mothers and their children dying due to mainly preventable and treatable illnesses.

“By prioritizing the health of millions of the worlds poorest mothers and children, Canada is recognizing the need for urgent action to address this silent emergency,” said Plan International CEO Rosemary McCarney.

The CCMNCH is calling for Canada to cement its leadership by making a significant Canadian investment in an expanded Catalytic Initiative to Save a Million Lives (CI). In 2007, Canada invested $105 million over five years in the CI, a multilateral initiative that bundles proven health interventions, strengthens health systems, and saves lives. An expanded CI model could save the lives of over 60 per cent of the 8.8 million children that die annually from preventable causes and could also reduce maternal mortality.

scholarships for single moms

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New products buoy average selling prices and point to optimism in the
market for 2010

SAN MATEO, Calif. — Worldwide PC microprocessor shipments in the fourth calendar quarter of
2009 (4Q09) rose modestly, compared to 3Q09, but still achieved all-time
record levels for a single quarter, according to IDC’s
latest PC processor study. Notably, when compared to 4Q08, shipments in
4Q09 rose 31.3%. For the full year 2009, total PC processor unit
shipments grew 2.5%, while revenue declined 7.1% to $28.6 billion.

“Compared to 3Q09, the modest rise in shipments in 4Q09 indicates that
the market is returning to normal seasonal patterns,” said Shane
Rau, director of Semiconductors:
Personal Computing research at IDC. “Compared to 4Q08, the huge rise
in shipments indicates that the market has put the recession behind it.
Both comparisons indicate that the PC industry anticipates improvement
in PC end demand in 2010.”

Looking at market performance by PC form factor, both mobile PC
processors and PC server processors grew well. Mobile PC processors,
which include Intel’s Atom processors for mininotebooks (also known as
netbooks), increased 11.7% in 4Q09 compared to 3Q09. x86 server
processors grew 14.1% quarter over quarter. Desktop processors grew 4.8%
quarter over quarter.

On the client side—mobile and desktop—IDC notes that mainstream and
performance processors rose modestly as a percentage of the total mix
compared to value processors, which caused the overall market average
selling price of processors to rise 6.7% quarter over quarter.

The experts at Intrepid Travel have put together a personalized
“Sweetheart Sweepstakes” grand prize package of airfare for two,
seven-night hotel accommodations, local transportation (ferry, local bus
and metro), an English-speaking leader, and three activities (Chora walk
in Ios, Archeological Museum in Paros and hiking on Naxos). This
eight-day island jaunt covers four islands in the Cyclades group. From
sunning on the black sandy beaches of Santorini to mingling in the
streets of Ios and hiking through medieval mountain villages in Naxos to
discovering the marble landscapes from which many Greek sculptures were
made in Paros, the islands are rich in natural beauty and local charm.
The trip ends in the historic city of Athens with stops at the Temple of
Olympian Zeus, the original Olympic Stadium, the Acropolis, and more.
Travelers of all types will find plenty of opportunities to discover the
old and new Greece on this trip.

WMIs Singapore Construction Market Data Forecast to 2013 market
profile is the essential source for top-level construction industry data
and analysis covering Singapore.

The report provides historical data and forecasts for the Singapore
Construction industry in the period 2004-2013, analysis of the
competitive landscape and profiles of the major market players, plus
top-level analysis of the key factors driving the industry.

Scope of the report:

Internet Reputation Management

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Federal regulators have agreed to reconsider a controversial and apparently unprecedented Bush administration decision to remove a Delta fish from the list of protected species. The 2003 decision to reclassify the Sacramento splittail is believed to be the only time a fish that has not gone extinct has been removed from the list. The agreement to revisit the decision was the latest in a string of 47 endangered species decisions that the U.S. Fish and Wildlife Service has agreed to revisit in response to threats of lawsuits by the Center for Biological Diversity, according to the Arizona-based environmental group. The center contends MacDonald and other Bush administration officials improperly weakened 55 endangered species decisions. “If they do an honest review thats based on the best science, were pretty confident it will be listed,” said Jeff Miller, an environmental advocate with the group.
So what is the value of a tree? The answer can vary. There are several ways to value a tree. A tree may have value as lumber or firewood. Or a tree may be valued according to the cost of replacing it. A tree may have an aesthetic value that can be quite different from its value as lumber or firewood. It might seem like some trees have very little value. But others can have considerable value. These questions can become important when trees are removed, damaged or destroyed. When trees belonging to someone else are wrongfully damaged, destroyed or removed, the general rule is that the measure of damage is the diminution in value of the real property. In other words, if the trees in an orchard were wrongfully removed or destroyed, then the amount of the damage would usually be the difference in the value of the property before and after the trees were removed or destroyed.

asbestos removal cost

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CAN SOMEONE explain to me whats going on with Robbie Keanes Mrs Claudine and her mum Joan, above? Every time I p i c k u p a newspaper theres a picture of the pair on holiday, out shopping, at a party, putting out the bins or getting their eyebrows plucked.
A SEASIDE landlady was behind bars last night after being found guilty of helping a gunrunner evade police. Fiona McIntyre helped set up her lover – known as Micky “The Fish” Sammon – in a tool hire shop around the corner from her pub in Blackpool, Lancs. But the shop was a front for his gun running. McIntyre, 41, who also provided Sammon with a false passport, was sentenced to 30 months at Preston Crown Court. It is not the first time McIntyre has fallen foul of the law. She was previously jailed for 30 months after she and two family members were convicted of a pounds 200,000 benefits scam.

Countertop Freezer

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Sustainable Technologies S.L., developer
and owner of the AFADS technology, has been selected to present at
CleanEquity Monaco 2010, the foremost event for next generation clean and
green technology. The conference takes place March 4th and 5th at the
Sporting dHiver, Monaco.

The worlds 40 most promising cleantech companies have been selected by a
team of experts after a very rigorous process and will be presenting their
business projects to a highly qualified public, who is only admitted upon
invitation. All presenting Companies will also be competing for the
CleanEquity Awards in three categories. These prizes will be awarded at the
end of the venue by H.S.H the Prince Albert II of Monaco.

Dr. Mario Rosato, CEO of Sustainable Technologies SL, has stated: “Clean
Equity Monaco is the best place where to pitch a revolutionary technology
like our patented AFADS system. Our project is going to be financially
supported by a primary Spanish Venture Capital society and by the Spanish
Ministry of Science. We have already invested 88.500 ÂEUR but our
supporters require an additional capital investment of 100.000 euros from
other sources, as well non monetary contributions like expertise in the
financial, strategic marketing , carbon offset or political sectors. Only
among the top industrial, financial and political experts who have been
invited to attend this Forum can we find the suitable partners for this
ambitious project that aims to cut 30% of the global greenhouse gases
emissions.”

[ILLUSTRATION OMITTED] Roosters are crowing, a sign cautions visitors to “Watch for Rattlesnakes,” and dozens of horses wander around a busy stable. George Eads is at home, but not quite home. Hes not on a ranch in his native Texas, but in Los Angeles, with the landmark Hollywood sign looming in the distance. The well-muscled, 42-year-old star of CSI: Crime Scene Investigation considers himself a horseman, but on this fall day he wont be mounting any of the powerful steeds in the nearby stable. “Im not cleared to do that by my doctor now,” he says, “but Ill be able to ride again within a year.” Eads, who has crafted a tough-guy image playing forensic investigator Nick Stokes on CSI for the past 10 years, feels lucky to even be walking. Just six months ago, he underwent spinal fusion surgery to repair a broken back that had gone untreated for more than a decade. The surgery repaired the damage but forced the active actor to essentially blow up his fitness regimen. The muscle-building bustle of ranch life was replaced with the quiet comfort of the gym and the pool. For a man accustomed to a vibrant, outdoor routine, the shift was dramatic. “Amending your lifestyle is sobering,” Eads says. “And working out has become my solace. The gym made me not give up.” [ILLUSTRATION OMITTED] An outdoor enthusiast, Eads was always drawn to anything and everything active. (He was even a pole-vaulter in high school.) A native of tiny Belton, Texas (about 60 miles north of Austin), he says he is far from what locals there would call a “cowboy,” even though he did spend some time as a cowpoke in Oklahoma and routinely worked area rodeos. He was more than familiar with the active ranch life in Belton, which he describes as “a very country and western town.” He also enjoyed skiing, baseball, and wrestling. When he arrived in Los Angeles in the mid-1990s, he became a hoops junkie, jumping into the competitive pickup games at the public courts off Cahuenga Boulevard.

vending machine business

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PORT-AU-PRINCE, Haiti — One of our challenges in trying to report from earthquake-stricken Haiti is the frequent lack of electrical power to supply laptop, cell phone and camera batteries. And Internet access to transmit stories and photos is also hard to come by. What is working with some regularity is e-mail and text service on my BlackBerry World Edition. At times when Internet access is spotty or out completely, Ive used the phones mini-keypad to compose stories. Given the portability and accessibility of the cell phone and its service, well continue to send little notes and tidbits — and call them “BlackBerry Bytes From Haiti.”
[ILLUSTRATION OMITTED] The stone faces of four former United States Presidents stare out from Mount Rushmore. Elizabeth Lee is planning a trip to this world-famous monument in South Dakotas Black Hills. Most visitors shoot Mount Rushmore with cameras. But Lee and her co-workers will shoot it with laser beams. Their goal is to create a three-dimensional model of the site, using computers. Lee is a project director at CyArk, an organization that makes digital models of the worlds monuments. These sites, like Egypts pyramids and Indias Taj Mahal, have a special place in history and culture. Over time, weather, tourists, and natural disasters can wear down or destroy these treasures. Thats why experts like Lee want to create digital models of the worlds monuments before they are beyond repair. This way, damage to the sites can be monitored over time and repairs can be planned accurately. Whats a monuments number one enemy? Everyday weather. “Water is really the chief cause [of ruin],” says John Stubbs, who works at the World Monuments Fund in New York. It can strike as rain, floods, or even humidity.

FinePix-S3500

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DSM Nutritional Products, Parsippany, NJ, has launched its newly updated website for trans-resveratrol, resVida.com. The educational site provides industry, media, health professionals and consumers relevant information on resveratrol science, trends and market insights. The site also contains links to other useful websites focusing on healthy aging and nutrition. It provides visitors with easy navigation, appearance and accessibility.
“It is a true healthy indulgence,” said Malcolm Nicholl, President and CEO of ResVez. “If you love chocolate and wine and you want a nutrition bar that really tastes great, this is for you.” Resveratrol has soared in popularity after positive coverage on major TV shows such as “60 Minutes,” “Oprah,” and a Barbara Walters Special. A substantial amount of research validating a remarkable range of health benefits has been published. Though most of the trials have been conducted with animals, the results of human clinical studies will soon begin to appear in peer-reviewed medical journals. A large number of dietary supplements containing resveratrol have been successfully marketed — mostly in pills and drinks. The WINETIME bar is a breakthrough concept, putting this life-enhancing ingredient into a 190-calorie gourmet nutrition bar.
Heathrow Natural Food Beverage, Inc.
(PINKSHEETS: HRNF) is pleased to announce that it finalized the formulation
of its Super Food ACAI Plus Resveratrol Plus all natural fruit bar and
will begin distribution in February 2010. Each bar contains six natural
fruits and significant levels of anti-oxidants. Heathrow Natural expects to
deliver 2-3 million bars in 2010.

Heathrow Natural Food Beverage, Inc. (HNFB) is a national distributor of
the botanical Super Food beverage, Exfuze Seven and Exfuze Seven Pro as
well as the Heathrow Super Food Brand which includes, ACAI Plus Chewing
Gum, Resveratrol Plus Chewing Gum, Super Food Bar and Super Food Snack
Chips. HNFB is part of the $100 Billion Dollar Wellness Industry, which is
growing at 10% per year. The nutritional beverage and functional supplement
segment is the largest sector of the market at 27% of sales. HNFB provides
healthy and natural choices for the growing segment of the population
seeking a healthy and active lifestyle.

Statements contained in this news release, other than those identifying
historical facts, constitute “forward-looking statements” within the
meaning of Section 21E of the Securities Exchange Act of 1934 and the Safe
Harbor provisions as contained in the Private Securities Litigation Reform
Act of 1995. Such forward-looking statements relating to the Companys
future expectations, including but not limited to revenues and earnings,
technology efficacy, strategies and plans, are subject to safe harbors
protection. Actual Company results and performance may be materially
different from any future results, performance, strategies, plans, or
achievements that may be expressed or implied by any such forward-looking
statements. The Company disclaims any obligation to update or revise any
forward-looking statements.

resveratrol review

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SUNNYVALE, Calif. — AMD1 (NYSE:AMD) today reported revenue for the fourth quarter
of 2009 of $1.646 billion, an increase of 18 percent compared to the
previous quarter and 42 percent compared to the fourth quarter of 2008.

In the fourth quarter of 2009, AMD reported net income attributable to
AMD common stockholders of $1.178 billion, or $1.52 per share, which
includes a net favorable impact of $1.238 billion, or $1.57 per share.
AMD reported operating income of $1.288 billion in the quarter,
including a net favorable impact of $1.224 billion. The net favorable
impacts were primarily from a legal settlement with Intel
Corp.2

For the year ended Dec. 26, 2009, AMD reported revenue of $5.403
billion. Fiscal 2009 net income attributable to AMD common stockholders
was $304 million. AMD reported revenue of $5.808 billion and a net loss
attributable to AMD common stockholders of $3.129 billion for fiscal
2008.

As of the first quarter of 2010, AMD will report operating results for
what was formerly referred to as AMD Product Company only and will no
longer consolidate the financial results of GLOBALFOUNDRIES. AMD’s
investment in GLOBALFOUNDRIES will be accounted for using the equity
method.

“AMD’s quarter marks another milestone in our transformation and
underscores our growing momentum,” said Dirk Meyer, AMD president and
CEO. “We enter 2010 having completed the transition to a fabless
business model, reached a historic antitrust settlement, and made
significant progress strengthening our balance sheet. Our innovative
strategy for designing the world’s most vivid digital experiences
continues to generate demand.”

LOS ANGELES — In an $11.5 million settlement resolving a federal class action, In
re ATI Tech. HDCP Litigation, distribution of almost $2 million in
funding to various public interest and privacy groups will commence
immediately. In addition, class members who submitted claims will each
receive a new $135 ATI graphics card during the month of March. The
settlement, which received final approval by the United States District
Court in the Northern District of California on September 11, 2009,
entitled consumers who purchased various “HDCP Ready” ATI graphics cards
to submit claims for new graphics cards. The settlement also provided
for one of the largest “cy pres” funds in a consumer class action
during 2009. The defendant, ATI
Technologies, Inc., purchased by Advanced
Micro Devices, Inc. during the litigation, has denied any wrongful
conduct.

New York attorney Scott A. Kamber of KamberLaw,
LLC (formerly of KamberEdelson, LLC) and Los Angeles-based David
Parisi of Parisi
Havens LLP, were appointed by the Court to serve as lead
counsel for the class. “This settlement shows the good things that can
be accomplished by a class action—a tangible benefit available to every
member of the class coupled with a substantial public benefit in the
form of a cy pres.” explained Kamber. “While it took years of
hard-fought litigation and negotiation to get to this point, the result
certainly demonstrates that it was worth the effort,” said Parisi.

About KamberLaw: Scott A. Kamber, one of the most recognized
names in consumer class actions, founded KamberLaw
to advance consumer rights in the area of digital privacy and security.
Kamber is best known for serving as lead counsel in class actions that
have strengthened consumer protections and brought meaningful relief in
the first year of litigation. In recent years, Kamber served as lead
counsel in nationwide class actions that resolved the contaminated
pet food recall ($24 million), lead
paint contamination with Thomas the Tank Engine Friends ($30
million), numerous cases of defective digital rights management software
on music
and computer
game CDs and DVDs and, most recently, the Facebook
Beacon privacy matter (approval pending). With offices in New York
and California, KamberLaw is committed to advancing the cause of
consumer rights from coast to coast.

About Parisi Havens LLP: Parisi Havens LLP is a boutique
law firm that specializes in complex consumer class actions with an
emphasis in technology and insurance cases. In addition to the firm’s
consumer class actions, Parisi Havens LLP counts as its clients
Fortune 500 Companies and several banks. In each area in which they
practice, the firm and its partners have built a reputation in the
community for representing clients in cutting-edge litigation with
skill, tenacity, and integrity. The principals of the firm, David C.
Parisi and Suzanne Havens Beckman, have recovered in excess of $200
million for their clients in the past ten years alone.

LOS ANGELES — In an $11.5 million settlement resolving a federal class action, In
re ATI Tech. HDCP Litigation, distribution of almost $2 million in
funding to various public interest and privacy groups will commence
immediately. In addition, class members who submitted claims will each
receive a new $135 ATI graphics card during the month of March. The
settlement, which received final approval by the United States District
Court in the Northern District of California on September 11, 2009,
entitled consumers who purchased various “HDCP Ready” ATI graphics cards
to submit claims for new graphics cards. The settlement also provided
for one of the largest “cy pres” funds in a consumer class action
during 2009. The defendant, ATI
Technologies, Inc., purchased by Advanced
Micro Devices, Inc. during the litigation, has denied any wrongful
conduct.

New York attorney Scott A. Kamber of KamberLaw,
LLC (formerly of KamberEdelson, LLC) and Los Angeles-based David
Parisi of Parisi
Havens LLP, were appointed by the Court to serve as lead
counsel for the class. “This settlement shows the good things that can
be accomplished by a class action—a tangible benefit available to every
member of the class coupled with a substantial public benefit in the
form of a cy pres.” explained Kamber. “While it took years of
hard-fought litigation and negotiation to get to this point, the result
certainly demonstrates that it was worth the effort,” said Parisi.

About KamberLaw: Scott A. Kamber, one of the most recognized
names in consumer class actions, founded KamberLaw
to advance consumer rights in the area of digital privacy and security.
Kamber is best known for serving as lead counsel in class actions that
have strengthened consumer protections and brought meaningful relief in
the first year of litigation. In recent years, Kamber served as lead
counsel in nationwide class actions that resolved the contaminated
pet food recall ($24 million), lead
paint contamination with Thomas the Tank Engine Friends ($30
million), numerous cases of defective digital rights management software
on music
and computer
game CDs and DVDs and, most recently, the Facebook
Beacon privacy matter (approval pending). With offices in New York
and California, KamberLaw is committed to advancing the cause of
consumer rights from coast to coast.

About Parisi Havens LLP: Parisi Havens LLP is a boutique
law firm that specializes in complex consumer class actions with an
emphasis in technology and insurance cases. In addition to the firm’s
consumer class actions, Parisi Havens LLP counts as its clients
Fortune 500 Companies and several banks. In each area in which they
practice, the firm and its partners have built a reputation in the
community for representing clients in cutting-edge litigation with
skill, tenacity, and integrity. The principals of the firm, David C.
Parisi and Suzanne Havens Beckman, have recovered in excess of $200
million for their clients in the past ten years alone.

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NEW YORK — Fitch Ratings has upgraded GMAC Inc.s (GMAC) long-term and short-term
Issuer Default Ratings (IDRs) to B and B, respectively and assigned
a Positive Rating Outlook. A complete list of affected ratings is
detailed at the end of this release.

The upgrade follows recent actions by GMAC to address regulatory capital
issues and further mitigate future volatility in its residential
mortgage business. As to recent capital actions, GMAC has addressed the
capital shortfall identified through the Supervisory Capital Assessment
Program (SCAP), with the U.S. Treasury (Treasury) agreeing to convert
its preferred investment in GMAC into common equity plus with an
additional $3.8 billion of mandatory convertible preferred. With this
conversion, Treasury is now a 56% shareholder of GMAC. GMAC also
improved the capital positions of Ally Bank and Residential Capital LLC.
In Fitchs opinion, these capital efforts provide further cushion and
flexibility to address the mortgage business in an orderly manner. In
assessing GMACs overall capital, Fitch focused mainly on the companys
ability to remain in compliance with regulatory capital requirements as
these are the most operative targets of the company. In that regard,
Fitch anticipates that GMAC will remain above the 15% total risk-based
capital requirement, even factoring in the adoption of FAS 166 and 167,
which require consolidation of off-balance sheet vehicles.

Concurrent with the capital actions, GMAC took significant write-downs
on mortgage-related assets and classified a large portion as
held-for-sale. As such, Fitch believes future volatility emanating from
GMACs residential mortgage business will be significantly lower,
particularly given the continued contraction of mortgage loans, which
were approximately $28 billion at Sept. 30, 2009.

While the upgrade primarily reflects GMACs more strategic actions,
Fitch also incorporated the companys improved funding profile and
manageable credit quality in its core automotive finance business.
GMACs funding has improved as a result of its ability to fund a greater
portion of its business through Ally Bank, providing the company with a
more stable and cost-effective source of funds. Fitchs assessment of
asset quality principally focused on the automotive finance business as
this is considered a core part of the company. While GMAC is not immune
to the challenges of the weak economy, Fitch considers the companys
automotive credit quality to be manageable.

As GMAC is now a bank holding company with a sizable bank, Fitch has
assigned Support and Individual Ratings. Fitch assigned a 4 Support
rating which reflects the sizable government support of the company to
date; however, it is offset by the view that the Treasury investment is
not considered to be long-term as this could be replaced by third party
capital. Thus while near-term support for the company appears strong,
long-term support is less certain. Importantly, the 4 Support rating
results in Fitch establishing a long-term IDR rating floor of B, i.e.
Fitch would not likely downgrade the rating below B based on this view
of support. Along with the Support rating, Fitch has assigned a D
Individual rating to GMAC. A D Individual rating implies a bank that
has weaknesses regarding its profitability and balance sheet integrity,
franchise, operating environment or prospects.

NEW YORK — The Haitian earthquake, like Hurricane Katrina, is a reminder that
catastrophe is never foreseeable and does not discriminate by geography.
Though hoping to never suffer such devastation, mitigating the risk of
natural disaster should be a consideration for everyone.

“Natural disasters can strike anywhere, anytime,” says Damian Testa,
president, New Jersey and Pennsylvania operations of leading risk
management and insurance brokerage firm HUB International Northeast.
“Someone living in New York, New Jersey, or Pennsylvania may think the
risk of earthquakes is low because there hasnt been a severe quake
there for decades. In reality, the Ramapo Seismic Zone sits atop
earthquake fault lines that run through these states and can prove
problematic anytime. Without insurance against the risk, one could
suffer terrible financial consequences.”

According to a statement from the Insurance Information Institute
(I.I.I), “the United States is vulnerable to the same type of
catastrophe [as Haiti] and is woefully uninsured.” I.I.I. further warns,
“the vast majority of homeowners…do not purchase earthquake insurance”,
even those living in seismic zones.

Many insurers do not offer coverage in high-risk locales, including East
Coast areas that are only remotely exposed to the threat of hurricanes.
HUB’s High Risk Homeowners Coverage for Earthquake and Wind Storm
offers insurance that protects against natural catastrophes and covers
wind or flood exposures.

HUB identifies carriers willing to work with homeowners and business
owners to fully assess each individual’s or entity’s risks and develop a
comprehensive plan to protect against them. Adding earthquake coverage
to a policy is typically inexpensive in the northeast region; however,
windstorm coverage can be more costly and harder to come by.

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Opponents of the health-care bill, said Sen. Sheldon Whitehouse (D., R.I.) in the pre-Christmas marathon debate, “are desperate to break this president. They have ardent supporters who are nearly hysterical at the very election of President Barack Obama. The birthers, the fanatics, the people running around in right-wing militia and Aryan support groups, it is unbearable to them that President Barack Obama should exist.” Now discount maybe 20 percent of that as passion-of-the-moment.
Kaiser/VA/DoD partnership piloting a nationwide EHR network Early testing encouraging; improvements in quality anticipated “The ability to share critical health information is essential to interoperability,” said Secretary of Veterans Affairs Eric K. Shinseki in announcing the program. “Utilizing the NHINs standards and network will allow organizations like VA and the Department of Defense to partner with private-sector health care providers to promote better, faster, and safer care for veterans.” The pilot program currently connects Kaiser Permanente HealthConnect and the VAs electronic health record system, VistA, two of the largest electronic health record systems in the country. The DoDs ALTA system will be linked to the other two shortly.
[ILLUSTRATION OMITTED] Swelling and pain are usually the result of a stretched or torn ligament.

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Kaiser/VA/DoD partnership piloting a nationwide EHR network Early testing encouraging; improvements in quality anticipated “The ability to share critical health information is essential to interoperability,” said Secretary of Veterans Affairs Eric K. Shinseki in announcing the program. “Utilizing the NHINs standards and network will allow organizations like VA and the Department of Defense to partner with private-sector health care providers to promote better, faster, and safer care for veterans.” The pilot program currently connects Kaiser Permanente HealthConnect and the VAs electronic health record system, VistA, two of the largest electronic health record systems in the country. The DoDs ALTA system will be linked to the other two shortly.
First the RACs, now wait for whats coming next Medicaid, commercial insurers starting their audits By the end of the year, its likely that every type of medical record in your hospital will be scrutinized by one auditor or another, predicts Brian Flood, managing director for KPMG LLP, the U.S. audit, tax, and advisory firm. The Pennsylvania Department of Public Welfares Bureau of Program Integrity has been auditing fee-for-service Medicaid claims for the past three years, using one of the Centers for Medicare Medicaid Services (CMS) contractors for the Recovery Audit Contractor (RAC) demonstration project, reports Charleeda Redman, RN, MSN, ACM, director of corporate case management for the University of Pittsburgh Medical Center, an integrated health system with 20 acute care hospitals.

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First the RACs, now wait for whats coming next Medicaid, commercial insurers starting their audits By the end of the year, its likely that every type of medical record in your hospital will be scrutinized by one auditor or another, predicts Brian Flood, managing director for KPMG LLP, the U.S. audit, tax, and advisory firm. The Pennsylvania Department of Public Welfares Bureau of Program Integrity has been auditing fee-for-service Medicaid claims for the past three years, using one of the Centers for Medicare Medicaid Services (CMS) contractors for the Recovery Audit Contractor (RAC) demonstration project, reports Charleeda Redman, RN, MSN, ACM, director of corporate case management for the University of Pittsburgh Medical Center, an integrated health system with 20 acute care hospitals.
First the RACs, now wait for whats coming next Medicaid, commercial insurers starting their audits By the end of the year, its likely that every type of medical record in your hospital will be scrutinized by one auditor or another, predicts Brian Flood, managing director for KPMG LLP, the U.S. audit, tax, and advisory firm. The Pennsylvania Department of Public Welfares Bureau of Program Integrity has been auditing fee-for-service Medicaid claims for the past three years, using one of the Centers for Medicare Medicaid Services (CMS) contractors for the Recovery Audit Contractor (RAC) demonstration project, reports Charleeda Redman, RN, MSN, ACM, director of corporate case management for the University of Pittsburgh Medical Center, an integrated health system with 20 acute care hospitals.
Local Director Credits Recovery Act

SAN DIEGO — Capital provided to San Diego and Imperial County small businesses
through the SBA’s loan guaranty programs during the first quarter of
2010 surpassed the same period a year ago in both loan numbers and
dollar amounts. Total loan dollars increased to $70 million from $45
million a year ago, a 56% increase. A total of 143 loans were approved
during the three-month period this year, compared to 123 for the same
period last year, a 16% increase in the number of loans.

San Diego SBA Director Ruben Garcia pointed to two reasons why loan
volume is on the rise. The first is that the SBA received $730 million
in the American Recovery and Reinvestment Act to help unlock the small
business lending market and to get capital flowing again to America’s
small businesses. This allowed SBA to eliminate and reduce fees for
borrowers on loans and to increase the guaranty to lenders from 75-85
percent up to 90 percent, thereby reducing their risk.

“The other reason is economic,” Garcia noted. “The newly unemployed
often find self-employment or entrepreneurship a viable option. In turn,
the SBA becomes a likely resource for financing as well as counseling.”

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With Democrats in charge, liberals are again attacking the filibuster. The complaint seems to be that it ought to be much easier to enact sweeping legislation that the American people oppose. In their screeds, standing in the way of unpopular bills comes to seem downright undemocratic. The current Democratic supermajorities already seem like the product of a passing mood on the part of the public.
NEW YORK — Bernard de Lattre has been named Director of Finance and Administration
for Fitch Group. He succeeds David Kennedy, who is stepping down as CFO
of Fitch Group and Fitch Ratings after 21 years of exceptional service.
Additionally, Bill Schager is named CFO of Fitch Inc., with David Samuel
remaining CFO of Fitch Ltd.

Mr. de Lattre will assume broad oversight responsibilities for finance,
human resources, and administration for both Fitch Ratings and
Algorithmics. He previously served as Fitch Ratings geographic head of
Asia, administrative head of Europe and head of the Paris office.

“Bernards experience and company knowledge will enhance our financial
and human resource planning,” said Steve Joynt, CEO of Fitch Group.

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND
DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING
THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS.
IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE
AVAILABLE ON THE AGENCYS PUBLIC WEBSITE WWW.FITCHRATINGS.COM.
PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS
SITE AT ALL TIMES. FITCHS CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS
OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES
AND PROCEDURES ARE ALSO AVAILABLE FROM THE CODE OF CONDUCT SECTION OF
THIS SITE.

“In recognition of Microsoft’s decision to adhere to privacy standards
established by data protection officers of the European Union (the
Article 29 committee) and place the privacy of consumers as a priority,
TransMedia has determined to change the default search engine in Glide
from Google to Microsoft’s Bing,” said TransMedia Chairman and CEO,
Donald Leka. “We hope that the other leading search engines will follow
Microsoft’s lead.”

TransMedia also announced the adoption of a User Privacy Protection Bill
of Rights for the users of the Glide OS. The Glide OS Privacy Protection
Bill of Rights is set forth below.

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Liu Xiaobo is a name to bear in mind. He is a Chinese intellectual who spearheaded what is known as Charter 08. This is a document calling for nothing less than democracy and the freedom of man in China. It has been signed by about 10,000 others. Unsurprisingly, the PRC seized Liu, indicting him on December 10, which is International Human Rights Day–a nice touch.
While I found his story inspiring, I couldnt help but question Success Story Heath Smiths weight loss timeline (”No More Shame,” November 2009). He claims to have lost more than 100 pounds over the course of just six months when he first started getting fit. Ive been trying to drop 25 pounds for almost that long, and am having a terrible time doing it–so I dont see how he could lose four times that amount in such a short period.

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David Crane, Special Advisor for Jobs and Economic Growth for the
Office of Governor Schwarzenegger, will speak on how California
businesses can stay competitive in 2010

IRVINE, Calif. — On Friday, Jan. 22, 2010, The Irvine Chamber of Commerce and UC Irvine’s
Paul Merage School of Business will host its 25th annual
Business Outlook. The event will take place at the Hilton in Irvine,
Calif. from 7:30 to 9:30 a.m. More than 500 of Orange County’s
business leaders will be in attendance to hear speakers David Crane,
Special Advisor for Jobs and Economic Growth for the Office of Governor
Schwarzenegger, and Andrew Policano, Dean of the Paul Merage School of
Business at UC Irvine, discuss how California businesses can remain
competitive in 2010 and beyond.

With the recent announcement of the California Jobs Initiative, Crane
will explore the package and discuss its impact on California employers.
Crane will focus on the package’s emphasis on job training in addition
to outlining changes to pension plans and the need to place more worth
on higher education to keep California competitive. Policano, a
renowned macro economist, will provide a glimpse into the economic pulse
of the United States and its impact on the world and local economy.

Plano, Texas preschool and Cary, North Carolina preschool Bring
Healthy Mind, Healthy Body, and Healthy Planet Philosophy to Children

PORTLAND, Ore. — The
Grove School, a new preschool located in Plano, Texas, and Cary,
North Carolina, has officially opened its doors to offer children in
these communities exceptional educational opportunities. By
incorporating education about organic foods and social responsibility
with early reading and writing skills, The Grove School integrates its
unique healthy mind, healthy body and healthy planet philosophy into
every aspect of its preschool activities and learning environment.

The Grove School prepares children ages 2 to 5 for both today and the
future, providing an extensive curriculum that offers them a head start
on understanding our quickly evolving world. In fact, after extensive
research, a group of professionals with more than 35 years of expertise
in early childhood education discovered that many parents nationwide
were seeking a preschool that includes both traditional early learning
curriculum and instruction in social purpose and a healthy lifestyle to
deliver a high-quality and well-rounded education. The Grove School goes
beyond serving organic food and using sustainable products to fully
implement its overarching philosophy in every element, from curriculum
and materials to types of activities and models for the way the children
interact with one another, parents and their community.

The Heads of The Grove School, Dr. Scott Andersen and Wendy DeSpain,
bring years of educational experience to the schools and are set to lead
these inaugural locations with their teams of talented and motivated
teachers. As its leaders, they embrace the school’s mission and play an
active role in the parents’ and children’s experience, employee growth
and school development. The Heads of School are also very involved in
the day-to-day supervision of the school staff, providing constant and
consistent guidance that maps to the school’s unique principles.

[ILLUSTRATION OMITTED] Q: How does the moons gravity affect the tides? A: Every day, the water levels on Earths shores rise and fall in tides. The moons gravitational putt on Earth is the main cause of tides. Gravity is an invisible force with which objects pull at each other. As the moon circles Earth, its gravity tugs on Earths oceans beneath it, causing a watery bulge. Coasts that lie in the bulged area experience high water levels, or high tides. Coasts in bulge-free zones, beyond the putt of the moons gravity, get low tides. High tide and low tide occur twice each day.

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Quirky New Webisode Comedy Series Features a Multi-Tasking
American Mom, a Burnt-out Italian Dad, Two Kids and a Dog

At the center of 2kidsandadog
is the intent of American-raised Alexia Murray and Italian (Sicilian to
be exact) born-and-bred Nick Nicolosi to create their annual family
calendar. With the goal of dressing the whole family up (including the
dog) as a different family each month, the photo sessions became a
Herculean task – with a heavy dose of humor and high jinks.

They started with their first
calendar four years ago. The charming, off-beat calendar developed
such a following that it is now available for purchase on Amazon.com.

With increasing interest in their family project from new-found fans
posing questions like “How do you get the kids to wear wigs?” and “How
does the dog stay so still?”, this year the family documented the
process with video.
Alexia and Nick post short webisodes
– each less than two minutes long – three times a week. Each funny
webisode showcases a short segment of the effort and energy (and
infinite patience) required to capture that month’s quirky photo. The
result is sheer entertainment and family fun.

Norton Offers Superior Protection, Robust Family Safety Tools and
Fast Scanning Speeds

PHILADELPHIA MOUNTAIN VIEW, Calif. — Comcast (Nasdaq: CMCSA, CMCSK), one of the nation’s leading providers of
entertainment, information and communication products and services,
starting today is offering the #1 brand in Internet security, Norton
from Symantec, to residential and business high-speed Internet
subscribers for no additional cost. Norton Security Suite, powered by
Norton 360 technology, includes PC security that protects against
viruses, spyware, worms, Trojans, malicious bots, identity theft, as
well as a range of customizable parental controls, which help keep
children safe online and fosters communication between parents and kids.
Comcast subscribers with Macintosh systems will receive Norton Internet
Security for Mac.

According to Norton, a PC that does not have active and up-to-date
security software can become infected within four minutes of connecting
to the Internet. With the Norton Security Suite, Comcast customers can
now take advantage of important Internet security features including:

“The Internet is integral to our daily lives and online threats have
become more sophisticated. Comcast continues to seek out the best
partners to help protect our customers online. Whether they’re parents,
individuals or business owners, each one of our customers has unique
needs and concerns. So, as the leading Internet service provider in the
country, we’re very pleased to provide the leading security suite from
Norton to our customers,” said Cathy Avgiris, Senior Vice President of
Communications and Data Services. “In addition to superior protection,
the suite delivers fast performance, so it starts fast, scans fast and
uses less memory on both PC and Mac.”

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FARM FRESH Helps Customers Identify Better-for-You Foods While They
Shop With New “nutrition iQ®” In-Store
Nutrition Program

VIRGINIA BEACH, Va. — FARM FRESH® announced today the launch of “nutrition iQ®,”
a unique at-a-glance nutrition information program designed to help
consumers make better-informed, better-for-you food choices right at the
grocery store shelf. nutrition iQ was developed in collaboration with
Joslin Clinic, part of an academic medical center affiliated with
Boston’s Harvard Medical School. The nutrition iQ program is available
in the 44 FARM FRESH supermarkets located in Hampton Roads and Richmond,
Virginia and Elizabeth City, North Carolina.

The nutrition iQ program comes as research shows that consumers are
having difficulty making sense of nutrition guidelines and are looking
for an easier way to make informed food choices for better health. For
example, approximately three in five consumers think diet and nutrition
are very important, yet more than half say they need practical tips to
help them eat right and 41 percent don’t know or understand nutrition
guidelines, according to the American Dietetic Association.1

The nutrition iQ program uses easy-to-see, color-coded shelf tags – hung
just below an item’s price tag – to help consumers quickly identify
healthier food choices for themselves and their families.

“FARM FRESH is committed to helping its customers lead healthy
lifestyles,” said Ron Dennis, president and COO of FARM FRESH. “With
more than 60,000 items on our grocery store shelves, it can take
considerable time to read and compare nutrition labels. The nutrition iQ
program provides a convenient way for consumers to evaluate food choices
on the spot as they shop.”

Network equipment specialist D-Link today announced the unveiling of a new multi-layer switch system, the DES-7200, after its successful maiden deployment at a UK school. The installation at the Charles Darwin School in Kent, UK took four days and D-Link reported that the school has improved network access for students and staff. No pricing details for the DES-7200 were provided.

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PLANO, Texas — Cinemark Holdings, Inc. (NYSE: CNK) today announced it has launched an
amendment to its senior secured credit facility that will allow it to
appoint Barclays Bank PLC as administrative agent, replacing Lehman
Commercial Paper Inc. If approved, this amendment is expected to be
completed by the end of January 2010.

Cinemark also announced it is considering seeking an additional
amendment to, among other things, extend the maturity of its senior
secured credit facility. If pursued, this additional amendment would
provide the terms under which existing lenders could elect to extend the
maturity of their loans in the credit facility.

CHICAGO — Van Kampen Funds Inc., a subsidiary of Van Kampen Investments Inc. (“Van
Kampen”), will hold one of an ongoing series of portfolio update
conference calls on Tuesday, January 26, 2010 at 4:15 p.m. Eastern Time.
Portfolio Managers will discuss Van Kampen Senior Income Trust (NYSE:
VVR) and Van Kampen Dynamic Credit Opportunities Fund (NYSE: VTA), as
well as give insight into the senior loan marketplace.

The call is open to the general public. The U.S. domestic call-in number
is (800) 230-1951. The international call-in number is (612) 332-0107.
Passcode: 140910.

Investing in closed-end funds involves risk and it is possible to
lose money in any closed-end fund investment.

Copyright ©2010 Van Kampen Funds Inc. All Rights Reserved. Member
FINRA/SIPC.

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Purchase Is Hawaii’s Largest This Year for a Single-Family Residence

KONA, Hawaii — Hualalai
Resort, an award-winning residential
resort community on the North Kona Coast of the Big
Island, today reported the record-breaking sale of a single-family
residence for $26.25 million. The sale was the largest in 2009 in the
state of Hawaii for a single home and the largest residential real
estate transaction in Hualalai’s 13-year history. Total real estate
sales transactions for 2009 at Hualalai Resort exceeded $150 million.

The five-bedroom home sits on a one-of-a-kind oceanfront location and
offers unsurpassed views of Hualalai Mountain, the Island of Maui, the
16th and 17th greens of the Hualalai Golf Course and the South-Kona
coastline. Natural lava rock walls surround the 49,136 square-foot
perimeter, which includes 48 palm trees, botanical gardens, four lava
rock outdoor shower gardens, two ocean-side hot tubs and one cold plunge
pool. The approximately 8,630 square-foot home includes five and
one-half bathrooms; great room with pocket glass, screen and operable
louvered doors and open-air dining room and living room pavilion.

“We are thrilled to announce the largest single sale in Hualalai’s
history and delighted with the continued interest we’ve seen recently,”
said Patrick Fitzgerald, CEO of Hualalai Resort. “With five transactions
exceeding $10 million, including this record-breaking sale, Hualalai
Realty did an outstanding job in 2009 despite a very difficult
economic environment. We believe that these sales reflect buyers’
confidence in the significant investments we have made at Hualalai,
which include an extensive $40 million resort-wide enhancement. Our
buyers recognize that the Hualalai lifestyle is rare and extremely
special.”

Hualalai’s recent enhancement project focused on every aspect of the
resort, from renovations to the oceanfront Beachtree restaurant and an
expansion of the award-winning Hualalai spa, to the addition of 20 new
suites at the Four Seasons Resort Hualalai and a collection of new
boutiques featuring limited-edition designer clothing and accessories,
home furnishings and sporting gear. The resort also introduced an
extensive new program of watersports, adventure, family and cultural
activities.

Moscow talk-radio host Matvey Ganapolsky said the following thing on air in October: “Stalin signed an order that children can be shot from the age of 12 as enemies of the nation. Which of the bastards dares say a single word in his defense?” Well, heres one: Eugene Dzhugashvili, Stalins grandson.

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[ILLUSTRATION OMITTED] Before getting married in 1997, Neal Lyday never struggled with weight. Growing up, hed always been lean and athletic. But once he and Shelia Lyday said, “I do,” the struggles began for both of them. “We partied, drank beer, and ate a ton of fast food,” Neal says. “Id hit the drive-thru five times a day and eat about 10,000 calories.” As his waistline expanded, Neals physical activity plummeted. Soon, the only exercise he was getting was at work, as the owner of a pool-servicing company. And the bigger he got, the tougher it became to even do that job. “My heart would be pounding after just a short walk,” he says. Shelia wasnt exercising, either, so the couple typically ordered in at night. That was their routine for almost 10 years. Neal got the classic wake-up call after a routine physical in 2007 revealed that his cholesterol was twice that of a healthy man, a whopping 465 mg/dL. Because of Neals severe family history of heart disease, his doctor called Neal “a walking time bomb.” But it wasnt until he picked up a copy of Mens Fitness in March 2008 that he tried to change, and perhaps save, his life. “Shelia and I had both decided we were unhappy with our weight,” he says, “and knew we needed to do something.” The couple took before pictures, hanging them up all over their house, and started doing 20 minutes of cardio six days a week, eventually lifting as well. They also swore off fast food. Together, they cooked low-fat meals with a 1-2-3 formula: one part fat, two parts protein, and three parts carbs. They also started eating smaller meals more frequently to help keep their metabolisms stoked.
[ILLUSTRATION OMITTED] Teeth–they help us chew our food and speak clearly, and they give us our dazzling smiles. Some animals use their teeth for other functions, such as fighting enemies or cutting down plants to build homes. But for scientists, teeth have another benefit: They tell secrets! A peek inside an animals mouth can tell researchers everything from what the animal eats to how old it is. When scientists dig for fossils of ancient animals, they often look for dental remains. Teeth last much longer than other bones, which can break down over time. “Bones are porous, or have many tiny holes, while teeth are solid,” explains Robert Feranec, a fossil expert at the New York State Museum in Albany, New York. This means that as bones become fossils, they can wear away more quickly than teeth.
New High Pressure Catheter Specifically Designed for Effective
Treatment of Challenging Peripheral Lesions

HOLLYWOOD, Fla. — Invatec, a comprehensive innovator of cardiovascular products, today
announced that it has received 510(k) clearance from the U.S. Food and
Drug Administration (FDA) to market its REEF HP™, a PTA Balloon
Catheter, for use in peripheral high pressure dilatation procedures. The
“lesion-specific” design of the balloon material is particularly useful
in hard-to-dilate situations.

“We are pleased to announce the FDA clearance of REEF HP, a strong and
highly stable balloon, designed specifically to treat the most demanding
lesions with a high pressure threshold,” commented Stefan Widensohler
and Andrea Venturelli, co-founders of Invatec. “The ‘lesion-specific’
design of REEF HP makes the balloon ideal for use in patients with a
range of peripheral lesions, such as dialysis patients whose AV shunts
often create fibrous and hard-to-dilate lesions.”

The REEF HP balloon is made from Invatec’s proprietary Flexitec™ XF, an
extremely durable material with a large working pressure range of up to
22 atm, offering excellent control during high pressure procedures. The
low compliant balloon offers a uniform dilatation force and strong shape
retention to dilate resistive lesions with greater stability and
success. REEF HP’s low-profile design enables consistent delivery and
ease of crossability. The balloon is now available in a wide range of
sizes in the U.S. from diameters of 4-8 mm and lengths of 20-80 mm.

“We often encounter calcified and resistant lesions in peripheral
vessels and in hemodialysis access interventions,” commented Robert L.
Vogelzang, M.D., Professor of Radiology at Northwestern University
Medical School and Chief of Vascular and Intentional Radiology at
Northwestern Memorial Hospital. “Invatec’s addition of a high pressure
PTA balloon will aid in the successful treatment of these challenging
lesions.”

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For this administration, jihad has an upside: Its a shovel-ready stimulus opportunity. It promises to create jobs by having Uncle Sam relieve the pols in Obamas home state of the $145 million Thomson Correctional Center, about 150 miles west of Chicago and currently less than 10 percent full. We would then spend untold millions more to harden Thomson for occupation by trained jihadists, all for the purpose of fulfilling the presidents reckless pledge to shutter Guantanamo Bay–on which taxpayers have already spent hundreds of millions to create a first-rate, Geneva Convention-compliant detention facility where the war prisoners in question are now securely held offshore under military guard.
[ILLUSTRATION OMITTED] Teeth–they help us chew our food and speak clearly, and they give us our dazzling smiles. Some animals use their teeth for other functions, such as fighting enemies or cutting down plants to build homes. But for scientists, teeth have another benefit: They tell secrets! A peek inside an animals mouth can tell researchers everything from what the animal eats to how old it is. When scientists dig for fossils of ancient animals, they often look for dental remains. Teeth last much longer than other bones, which can break down over time. “Bones are porous, or have many tiny holes, while teeth are solid,” explains Robert Feranec, a fossil expert at the New York State Museum in Albany, New York. This means that as bones become fossils, they can wear away more quickly than teeth.
Saab Training USA, a business unit of Saab
(STKM: SAAB.B), was awarded as one of the “2009 Top Training and
Simulation Companies” by Military Training Technology, Americas longest
established simulation and training magazine. In addition, Saab Training
was one of nine companies to receive a red ribbon for “Best Programs,”
recognizing Saab as a company that has participated or led a program of the
year — programs that are revolutionizing military training.

“Receiving recognition for a Best Program is an exciting honor that we
are proud to accept,” says Lars Borgwing, President of Saab Training USA.
“It is our mission to deliver cutting edge technology and effective
training systems that allow our soldiers and marines to successfully
prepare for deployment at home stations and to train and rehearse for
missions in theater.”

The red ribbon recognizes Saab Training USAs program for providing
state-of-the-art, exportable and scalable training solutions to support all
phases of the training cycle and offer a realistic training experience.
Saabs training missions are equipped with high-fidelity, laser-based
technology, and interoperable systems to provide a professional training
environment that suit precise needs. Saabs equipment delivers quality
results and supports exercises in both open and urban terrain, from
individual and combined arms at platoon level, to joint operations at
brigade combat team level.

The “2009 Top Simulation and Training Companies” listing is Military
Training Technologys 8th annual awards listing. The awardees are
competitively selected by an impartial panel from a group of companies that
have made the most significant contributions to the military training
industry with regards to various criteria; which included total military
sales, end-user feedback, program effectiveness, innovations and need for
the solution.

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Edward D Harris Edward “Ted” D. Harris, 87, long-time resident of Delta, died Wednesday, Jan. 13 in Provo hospital of complications from an accidental gunshot wound.
State’s Largest Security Project Will Install and Network 3,200
Video Cameras Across 12 Campuses for DADS

AUSTIN, Texas — Knight Security Systems, a leading security systems integrator,
announced today that the company was awarded the largest single security
contract in the state of Texas for 2009 by Texas Department of Aging and
Disability Services (DADS) to ensure the security and safety of
residents and staff at 12 state-supported living centers located across
the state. The contract, valued at more than $12 million, was designed
specifically for the department and will install a network of more than
3,200 high-definition video cameras in 335 buildings across the state.

The project is to be completed by August 2011, as required by the DADS
contract, but Knight Security Systems believes it could finish 6 months
ahead of schedule. The installation, which includes nearly 35 miles of
fiber cabling within the video surveillance network, will be installed
and completed in three phases, requiring an average of four to five
months for each phase of four campuses in Abilene, Austin, Brenham,
Denton, El Paso, Lubbock, Lufkin, Mexia, Richmond, Harlingen (Rio Grande
campus), San Angelo and San Antonio.

“Key to securing this contract with DADS was our aggressive scheduling,
the elegance of our system design and the people we put behind it,” said
Knight Security Systems President Phil Lake. “Our entire team is
extremely pleased to have been selected for this important and worthy
mission, and we understand and appreciate the trust DADS has placed in
us to complete it in an efficient and effective manner.”

“Our standardized and modular design method simplifies the system
deployment while providing a very scalable solution to support the long
term needs of DADS,” said Christopher Hugman, P.E., Knight Security
Systems Vice President and Executive Project Manager for the project.
“We stated in our proposal that the Knight team was ready to deploy, and
within 30 days of the contract we are already at work on multiple sites.”

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OLDWICK, N.J. — Anthony Diodato, group vice president of property/casualty ratings, of A.M.
Best Co. is participating in the Property Casualty Insurers
Association of America’s Executive Roundtable Seminar being held on
January 24 – 26 at The Westin La Contiera Resort, San Antonio, Texas.
Mr. Diodato is presenting a “Managing Economic Risk Roundtable: A.M.
Best Update” on Monday, January 25th at 10:45 am.

THE House and Senate have now each passed a health-care bill. It remains to be seen whether they can agree to pass the same one, especially since their negotiations will take place amid public hostility to the entire enterprise. The Senate bill is likely to provide the template for the negotiations. To the dismay of the Left, it lacks a new government-run insurer. Instead it imposes on the industry a new business model that could never survive in a free market and makes up for the imposition by forcing Americans to buy its products. As far as we can tell, the only reason to carry out this maneuver is to have an industry that can be called “private” while actually acting as an agency of the government. The industrys products will be more expensive, and its profits pure waste. Both bills expand Medicaid, ensuring that many Americans–some of whom lack health insurance and some of whom have good insurance–will now have low-quality insurance that many doctors refuse to take. They will also cut Medicare, crippling its popular private-sector elements and inducing doctors and hospitals to turn down Medicare patients, too. One of the Mayo clinics, touted by President Obama as a model for reform, has announced already that it will not be accepting Medicare payments because it does not want to accept Medicare price controls. Both bills include mandates on employers that are guaranteed to reduce hiring, wages, or both. Scores of House Democrats have pledged to vote down any bill that lacks a government-run insurer. We will now see whether they are as good as their word or their threats are empty. Pro-life Democrats in the House may also be tested, since the Senate bill provides federal funding to help people buy abortion coverage.
Immediate Donation and Matching Contribution Program Designated
for Relief Effort

NEW YORK — New York Life Insurance Company announced today it will donate $100,000
to aid and support earthquake relief efforts in Haiti, and additionally
donate up to $150,000 in matching contributions by employees and agents.

Ted Mathas, chairman, president and chief executive officer of New York
Life, said, “On behalf of the entire New York Life family, we extend our
heartfelt sympathy to all those affected by the devastating earthquake
in Haiti’s capital, Port-au-Prince, and surrounding areas. The
destruction is widespread and devastating; the loss of life and the
number of injured are overwhelming. The families caught in the disaster
area and the rescue workers making valiant efforts to save lives have
been in our thoughts and prayers since we learned of this tragic event
and accordingly, the company will be making a contribution to help those
in need.”

Mr. Mathas said that New York Life will immediately donate $100,000 to
the American Red Cross Disaster Relief Fund for Haiti, and the company
will be matching employee, retiree, and agent contributions, up to
$150,000. In addition to the Red Cross, the company has identified seven
other groups that are playing a major role in the relief effort:
AmeriCares, CARE, Heart to Heart International, Save the Children,
United Nations World Food Program, UNICEF, and United Way Worldwide
Disaster Fund. Employees and agents can designate any organization or
combination of organizations to receive funds, and the company will
match the contribution dollar-for-dollar.

“Our agents and employees have always given generously of their time and
money in times of need, and New York Life would like to recognize their
generosity through this dollar-for-dollar match,” Mr. Mathas said.

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ARE you one of the thousands signing up for gym membership as part of a new-year health kick? Make sure you track down the best deal, to keep your finances – and your body – in good shape. Costs and terms and conditions vary widely and can sometimes leave the unwary tied into long, expensive contracts. Peter Brennan, of Virgin Active UK, says: “Lots of people sign up for memberships which turn out to be not right for them – especially during January, when many health clubs will be trying to lure people in with gimmicks and seemingly amazing discounts. Before joining any gym, check if your employer offers a discount on membership as this is likely to be the cheapest option. But if you have to pay for it yourself, dont sign up without a trial first.
MICHAEL CHOPRA could move a giant double step towards his FA Cup dream in the next week. And if Cardiff Citys goal ace can fire them to victory over Bristol City and Leicester, he will send his own thank you to his Geordie inspiration Alan Shearer. Chopra finally ended his 13 game goal drought in last weeks drawn third round tie at Ashton Gate, forcing Bristol back to South Wales for Tuesdays replay. And the pounds 4million striker revealed how Shearer has helped him through his barren spell.
MICHELLE HEATON is planning to rush through her wedding to lover Hugh Hanley amid fears her heart condition is getting worse. The terrified former Liberty X star, who now lives in Dublin with businessman Hugh, has told friends she may need surgery for her complaint. Michelle, 30, suffers from Atrial Fibrillation and even has to wear a heart monitor sometimes. Now Michelle, who got engaged to Hugh at Christmas, has told friends she thinks her health is deteriorating.

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DO animals cry? – Frank Sainsbury, Tooting Broadway, South West London MOST animals are equipped with a tear system that keeps their eyes lubricated, protecting their eyes from the elements and dirt.
FORMER Sex Pistol John Lydon has blasted greedy London clergy for demanding cash before they would visit his dying mum, Eileen, from Garryvoe, Co Cork. Lydon, 53, said: “With my mothers slow, torturous, cancerous death in 1979, the priests wouldnt come to the hospital to give her the Last Rites or anything unless money was delivered to them.” The former hellraiser, who wrote a song about his mums plight called Death Disco, says the episode destroyed his faith. Lydon also said the death last year of his father John, from Tuam in Co Galway, had given his career a new lease of life.
DO animals cry? – Frank Sainsbury, Tooting Broadway, South West London MOST animals are equipped with a tear system that keeps their eyes lubricated, protecting their eyes from the elements and dirt.

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[ILLUSTRATION OMITTED] Paul Bettany calls himself a “beer and bread man” who didnt exactly have the kind of body he needed to portray Michael, the chiseled archangel who tries to save humanity in Legion. The 63″, 38-year-old Brit began his transformation by cutting his food intake to small meals (lean meat like chicken and steamed vegetables) every four hours. He then enlisted New York City trainer Mike Hood to help build a body worthy of a superhero defending Earth from a vengeful God. For maximum results in minimal time, Hood started Bettany with five days of interval circuit training every week. Knowing Bettanys abs were going to be showcased, each workout began with several core exercises. “We wanted to give that our full attention,” Hood says. They followed that with a three-round circuit. “The idea was to blast his body. We didnt do a lot of cardio. The heart rate was elevated throughout the workout. He was never sitting around.”
[ILLUSTRATION OMITTED] Paul Bettany calls himself a “beer and bread man” who didnt exactly have the kind of body he needed to portray Michael, the chiseled archangel who tries to save humanity in Legion. The 63″, 38-year-old Brit began his transformation by cutting his food intake to small meals (lean meat like chicken and steamed vegetables) every four hours. He then enlisted New York City trainer Mike Hood to help build a body worthy of a superhero defending Earth from a vengeful God. For maximum results in minimal time, Hood started Bettany with five days of interval circuit training every week. Knowing Bettanys abs were going to be showcased, each workout began with several core exercises. “We wanted to give that our full attention,” Hood says. They followed that with a three-round circuit. “The idea was to blast his body. We didnt do a lot of cardio. The heart rate was elevated throughout the workout. He was never sitting around.”

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Stallone n Phil n Joan SYLVESTER Stallone and Sir Philip Green were having a wild evening at fabulous West Hollywood restaurant Cecconis when I spotted them. The boys laughed loudly whilst their wives – dripping in diamonds – sat nattering. I dined there the following night alongside glamour queen Joan Collins.
Stallone n Phil n Joan SYLVESTER Stallone and Sir Philip Green were having a wild evening at fabulous West Hollywood restaurant Cecconis when I spotted them. The boys laughed loudly whilst their wives – dripping in diamonds – sat nattering. I dined there the following night alongside glamour queen Joan Collins.
Fiction 3. “The Girl Who Played With Fire,” by Stieg Larsson

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DENVER — The parents of a Utah boy who made a controversial decision to disregard the advice of doctors and state officials when their son was diagnosed with cancer argued their constitutional rights case before the 10th U.S. Circuit Court of Appeals Thursday. Parker Jensen was 12 when he was diagnosed with a malignant cancer in 2003 that doctors believed would kill him if he did not undergo chemotherapy. His parents opted against the treatment though doctors said it was imperative, prompting a custody battle with the state Division of Child and Family Services. Numerous hearings were held in juvenile court, but on the day the Jensens were to relinquish custody, it was found they had left the state. In so doing, they defied a custody order, leading to charges of kidnapping and medical neglect, which were eventually reduced to misdemeanors and expunged from their records. Attorney Karra Porter represented the Jensens at Thursdays hearing before the three-judge panel.
OLDWICK, N.J. — A.M. Best Co. has downgraded the financial strength rating to B
(Good) from B (Good) and issuer credit rating to “bbb-” from “bbb” of Capacity
Insurance Company (CIC) (Sunrise, FL). Both ratings have been
removed from under review with negative implications and assigned a
stable outlook.

These rating actions follow the 2009 acquisition of CIC by Focus
Holdings, LLC and reflect CIC’s history of poor operating performance,
single state concentration of business risk in Florida and a high
expense structure. In addition, A.M. Best is concerned about the risks
associated with the successful execution by the new management team of
the operational and financial plans being implemented over the next
year, which are designed to improve operating profitability and CIC’s
overall financial strength.

Competition Council Ruling Threatens to Remove Content as a
Differentiator

BOSTON — A decision just rendered by Frances Competition Council on carriage
of exclusive content could have repercussions on the entire IPTV
industry, according to a report just published by Strategy
Analytics. The report, “Orange’s IPTV Challenge:
Create a Non-Content Differentiator,” suggests that Orange will need to
fundamentally alter its marketing strategy to stay competitive.

Orange has pursued an aggressive content strategy in recent years,
spending over €200 million to acquire exclusive rights to sports and
other content, packaged under its Orange Sport and Orange
Cinéma Séries brands. The strategy has been largely effective, and
has led to rapid growth of its pay TV segments. The new ruling threatens
to remove content altogether as a differentiator for the provider.

Service providers have a limited number of tools at their disposal to
differentiate. Those they do have can be easily imitated, according to
the report.

“Content exclusivity remains among the most powerful weapons in the
television provider’s arsenal, and recent events in the French market
may point to stronger regulatory oversight of content in other markets
worldwide,” said Ben Piper, Director of the Strategy
Analytics Multiplay
Market Dynamics Service. “If that happens, operators will need to
shift focus to non-content differentiators.”

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