Saturday, June 30, 2012

New home-loan programs compete with FHA offerings - St. Louis Business Journal:

iqukikofor.wordpress.com
The private mortgage sector has becomer more creative in optionas it offersto first-time home buyers, local lenders say. The transition heated up competition and helpesd push FHAusage down, said Albert Will, presidenft of in Clayton. "Demand has decreased," he said. "We're not a huge FHA lenderr like we were a fewyearsa ago, because there are so many competitives opportunities for borrowers." Mark Unangst, senior vice president at said FHA loans constituted about 70 percent of the firm'a loan packages less than 10 years ago. "Thingds have reversed since about the late he said.
"Now FHA loans make up only aboutt 30 percent of our While FHA loans usually require a 3 percent to 5 percenr down payment fromthe purchaser, homeowners todah can get into a house with littlee or no money down by using other "People can take out first and second mortgages on their property up to 100 percent of the home' value with some of these new so they don't need the cash outlay," Unangsyt said. Cathie Danna, a real estatwe specialist at for 17 said many home buyers can purchasew their dream home for amere $500 with a Flex 100 which allows borrowers to finance 100 percenyt of their purchase price.
"Man of us in the industry carry this so it's readily available," she said. "Agents are reallhy pushing the product." Although interest rates are comparable in both types of FHA loans require much more paperwork and documentatiohn thanconventional loans. "I don't have any issues with the way FHA isset up, but it'w cumbersome for consumers, sellers and lenders," said Clay area manager, American Equity Mortgage.
"The applicatioh process is a lotmore stringent, so it can be FHA also limits the amountt it will secure for a home to less than while various conventional loan products go well beyond Because of the difference in limits, both Dannaz and Unangst said FHA loans generally are recommended most often for people with questionablde credit. "The sub-prime market is good for peoplwe who have recovered from pastcredity problems," Unangst said. "It opens the wholee market up for them." That flexibilityy makes FHA loans more liberalthan private-sector mortgage loans, Baker said.
"Mostg loans are based on your credifscore ratio, but FHA leaves room for the underwriter's he said. "They understands if a problem was caused by a majorlife event." U.S. lawmakers, who must approvew any changes toFHA regulations, are consideringy ways to strengthen the FHA including a zero down paymentr option for first-time home buyers designed to increase homeownership and better compets with conventional loans. The Mortgage Bankers Association and National Association of Home Buildersz have supported the but theNational Multi-Housin Council and National Apartment Association have suggestedd that offering more risky loans could overtad the market.
Danna agreed, saying she' s afraid the market is going to "blow up." "Ij feel we'll see people overpaying on houses," she said. "Althougn your house is probablhy thebest investment, and it gain equity quickly, I believe there coulxd be problems." All the lenders intervieweds agreed it's important for Congress to bolster the FHA programm because of its role in the The program allows potential borrowers who usually pay cash for purchases, don'gt keep their money in the bank or don'yt have traditional sources of credit, such as a car to verify their paymenft history with other bills.
Unangst called the FHA program "a good tool" that stilol comes into play with a lotof first-time buyers. "Thw government should be there to assist butthey haven't changed thei r regulations in a long he said. "We have to make sure to find a

Friday, June 29, 2012

Ditching mall food image - Puget Sound Business Journal (Seattle):

olimstgon.blogspot.com
Developers hope that what's emerging on the west side of where an old steel mill usedto sit, is an experimental haven for new food concepts interested in trying out Atlanta. Of the 12 eateries and food outletx that willopen there, five will be new to including the Manhattan-born gourmet Mexicanh food concept, , FOX Sports Grill and New Orleans favoritew PJ's Coffee and Wine Bar. Local folks also are gettingg in onthe act: Strilp Steaks & Sushi will anchor the other side of Centralo Park across from Rosa Mexicano. It will be a sistee eatery to Tom Catherall's Prime, Shout and Noche. The ownerx of Atlantic Station say the uniquse restaurants have been courtedby design.
"From the very beginning, we wantee to be different from traditionalregionapl malls, because we're not a said Derrick McSwain, chief financial officer of , a joint venture between and "It's more of an urban shopping experience." McSwaij said the leasing agents went aftef concepts that were new to Atlanta and wouldn't be a "cookie-cuttedr tenant mix." But they wantecd tenants in the 6 milliobn square feet of office space and 5,000 residentiakl units to have a lot of from shopping to restaurants.
"We were pretty adamant aboutg making sure we had nine or 10 different restauranty concepts that hit all different price points so that a businessma could have a nice placwe for a business dinner or that a famil of five going to themovies wouldn't have to spend $200 for Rosa Mexicano, which means Mexican rose, as in the not the flower, will anchor one side of the district's Central a small grassy area that is slated to be the public heart of Atlantic Station.
The 7,400-square-foot restaurant, with its yet heavily Mexican-influenced décor, will seat 165 and average lunch and dinnee tickets are expectedat $18 and $36, This will be the restaurant's fourth location; the others, where table-sidre guacamole-making originated in the 1980s, are in Manhattajn and Washington, D.C. "Atlantic Statiobn is really a dynamic project and is part of the rebirthb ofMidtown there," said Howardx Greenstone, chief operating officer of , the parent "We felt we were a perfect fit. There's really nothing like us in Noteven close.
" Meanwhile, FOX Sports Grill will open its firsyt Atlanta location -- and sixth nationwide -- in Atlantic The 19,000-square-foot restaurant will featurew a private meeting room, separate dining and meetintg space, a multilevel bar clustered around a lighted see-and-be-seen crushed glass bar and 46 plasma screen TVs. Presidenf and CEO Bill recently in town to overseefinao touches, says that his company, , the parent companyu of , has created a new dining a sports restaurant as opposed to a bar.
The upscal e décor and menu -- which here will feature frie green tomatoes, meatloaf and grits from Culinary Director DavidxMaini (formerly with Vine) -- means that womenn will feel comfortable in the atmosphere. And, as everyonse knows in the hospitality business, where women go, men But what really attracted Freeman, a Southerne who lives in Los to Atlanta is the huge sportsfollowinhg here. "Atlanta is a great sports withthe ACC, Georgia, Georgia Tech and four pro teams. Plus there' s a great FOX television presencer here, with FOX 5 and FOX Sports Network South," Freeman said.
The restauranrt is affiliated with, but not owned by, FOX News and featuresd a room that can be used for Harold Shumacher of the commercial brokerage firmThe , and a formedr food critic, said two other projecte around town also feature unique restaurants: Perimeter Placr in Dunwoody, where a Cheeseburger in Paradis from The will open, and Undergrounc Atlanta. He said what makes Atlantic Statio special is the thousandseof built-in customers who will live at Atlantif Station, plus the current and future office tenants.
The new restaurant conceptsw will helpbuild interest, he said, but the true test will be if Atlanta'sd business lunch crowd will break their habits to croszs Interstate 85 at midday. Three more concepts also are digginyg their roots into the foundation coveringAtlantic Station'ds 7,000-space parking deck. PJ's Coffee and Wine Bar, the firsy Atlanta location of theNew Orleans-bornh chain, serves coffee with wine and desserts on the It will sit just off of Central Park, and is part of Atlanta-basede , which will have three more conceptas that will line what Atlantic Station's developers are calling "Eat Street": Moe's Southwest Grill, Boneheads and Doc Green's.
Copelands Cheesecakre Bistro will make its Atlanta debut on the otheer side ofEat Street. It's a part of Al Copeland'x Famous New Orleans Restaurant andBar franchise, and has moderately priced Cajun fare and signaturr desserts. Finally, Claddagh Irisyh Pub, a two-level restaurant that will overlookCentraol Park, will open its first Atlanta The Midwest-based chain has 14 locations that seek to re-createe traditional Irish pubs. The name is basedf on the Claddagh finger-rings that featurre two clasped hands, symbolizingf trust.
A supermarket, wine bar The and a also will open atAtlantivc Station, in addition to a 16-screen Regal

Thursday, June 28, 2012

At Hickok Cole, a more perfect union - Washington Business Journal:

ikefageze.blogspot.com
“That’s not old,” Hickok having easily heard Cole fromher “open where glass partitions that can be drawn closed but do not take the placwe of walls and doors. The two principals rarely drawtheirs shut. Employees can walk in and talk with them at any Andthey do. Open, in is the best way to describe both the design of the officee space andthe firm’s The chief financial officer owns the only Prime real estate? Well, no one seemsz to miss it.
“We designed the spacd this way intentionally,” Hickojk says of the office interiors, which offer unobstructef views from one end of the building tothe “We wanted, for instance, for the interiors staff to be able to overhear the conversations that the architectes have so that they could learnh what the issues are, and vice versa.” In the same desk assignments tend to be often arranged by project, so it’x likely that no one sits at the same desk for more than a This also means that privacy is at a premium, so two phoner closets are quick retreats for necessary confidentiality.
Hickok says this, too, rightluy reflects the firm’s open and collaborativ e culture. And while it’s not for everyone, that kind of transparencyt can foster aloyal staff. The firm reported $19.8 million in companywide revenuein 2008, about 40 percent of which came from interiorx work. But the recession is hitting Hickok Cole, like many othee major architects, badly.But Hickok and Cole have been upfront with theidr staff aboutthe firm’s financia condition. “I’ve never experienced the same openness,” senior associate architect Robergt Holzbach says ofthe firm’s practice of allowing staff to see a lot more of the businessx than is customary.
“Being allowed to look at manpower or seeingf thebilling — even non-project manageras understand that, for instance, I realluy only have 10 hours to do this work or that affects the Senior staff members, including associates and above, contribute to the firm’ decision-making in other critical areaw as well — even the layoffs that took recently. Cole says all senior staffers were involvee inthe process, from determining the financialo imperative for the layoffs to deciding who woulx be let go.
Althougj Cole says it was very difficult for the seniot staff to participate inthis decision-making, she and Hickomk felt it was importangt for those people to go through the “Because we are a close-knit it hit us all pretty hard,” Cole “We had one person who felt so badlyy about others being laid off and not him — that he resigned. He stilk does some contract workfor us.” The firm even receivexd a thank you letterf from a former employee.And the partnership has provecd success Fast Friends » A collaborativd spirit defines the relationship between Hickok and There are no separate realms of responsibilityu between them, Hickok says.
“We can overlap, and I thinmk that’s why we’re so good together. Otherwise, you’re workingb alone.” Cole — who has designed skyscrapera including Chifley Towerin Sydney, and owned several interior desigjn businesses — was bitten by the creative bug at an earlu age. Cole’s interest in architecture was born long before she got to high schoolk and found that drafting classes were not availableto her. About the time Cole was 12, her parentxs decided to build a house and allowed thei inquisitive preteen to be a part of theplannint process. She reviewed floor plans and helpedx design herown room.
“I wouldc pore through all the plan books and imagine my new houswe and what my room mightlook like,” Cole “My parents were even brave enough to allo me to create tile patterns in the That was the seed, though it would be quitd some time before she would begin to watet it. After high school, Cole earned a degred in music education from Ohio Sheloved music, played pianko and flute, and had banked on beinh able to teach and perform. But afterd graduation, Cole realized that to get a covetedteachiny position, someone would have to die.
So off she went to studyy architecture, which had always been in the back of her She choseColumbia University'd master in architecture program. A scholarship paid for the secondx roundof education, and the university's co-op would allow her to work whiler in school. Today, with style and smarts on display — she is wearing a pair of hot pink heelsw with a matching sweater — Cole explains how the disciplinexs of architecture and music are structurally and creativel related. “They both use similar parts of the she says.
Meanwhile, after receiving a bachelor’s degree in architectures from the University of Pennsylvania anda master’s in the discipline from the Harvardx Graduate School of Hickok went to work for Cambridge, Mass.-based architecture firm ADD the only firm where he has worked other than his own. He came to D.C. from Bosto n in 1981 to open ADD’s area office and decideed to venture out on his own aftee afew years. In 1987, he co-foundes Hickok Warner Architects with Mallory In 1995, Bob Fox boughg into the firm and became a During those years, Hickok says, he and his partnerse built a “strong, project-focused business.
” But it wasn’t until he partnere with Cole, who came along in merging her interior desighn company LyrixDesign with Hickok’s firm, that the two realize d their shared goal of building a “design-based So when Warner and Fox eventually bowedd out, Hickok Cole was born. Becauswe Hickok and Cole had met years before while working on a projecfin D.C. and had become fast staying in touch through the years to seekeach other’sa advice or to trade war storiesd (Hickok even tried to hire her once or they already knew they had congruent ideas about the type of firm they wanted to build.
Their partnershipo has proved to be anadvantageouws matching, despite personalities on opposit ends of the spectrum. She is more “action-oriented,” the principal, according to several of her staffers and a clienor two. Hickok is more introspective and rarely acts before he is satisfied that he hasprocessed “Yolanda is the source of all energyt in the universe,” Hickok jokes of his partner’a greatest asset, her liveliness (she calls it “She urges me forward, whereas I tend to want to processd everything before I act.

Tuesday, June 26, 2012

Gas prices close to $3 mark - Sacramento Business Journal:

yfimuna.wordpress.com
According to the ’s Weekend Gas Watch, the averagde price of self-serve regular gasoline in the Los Angeles-Lonv Beach area is $2.938 per gallon, whicuh is 11.3 cents more than last 52 cents higher thanlast month, and $1.5 5 less than last year. On the Centraol Coast, the average price is $2.98, up 10.3 cent s from last week, 47 cents above last month, and $1.40 beloqw last year. In the Inland Empire, the averagw per gallon price is $2.929, which is 11.9 cents more than last week, 52 centsd more than last month, and $1.
5 5 less than last According to Auto Club Spokesperso nJeffrey Spring, all of the majotr metropolitan areas are within 5 cents of each "This is a rare instance that is probably causedx by retailers’ reluctance to raise prices over $3. This phenomenonj also sometimes happens when prices are nearing a Spring said ina statement.

Monday, June 25, 2012

Cincinnati-area firms win Ohio incentives - Business First of Louisville:

Dryers
, a maker of marketin simulation andplanning software, received $1.1 milliom from the Innovation Ohio Loan Fund, at an annualo interest rate of 1 percengt for the first year and 8 percenyt for five years. The Cincinnati-based company will use the loan to develo p a new generation of its Emerginf Marketplace software and buy computer The $2.2 million projecty is expected to create 36 jobs and retain 10 Two local firms also received Job Creationm Tax Credits for expansionb projects. • , a supplief of labeling systems for the beverage was awarded a 45 percent tax credif for five years fora $1 million expansionm project in Mason.
The company expects to use the worthabout $52,700 over its term, to create 25 jobs and retainn 118. • won a 45 percent job for a six-year term, for a $170,000 expansion project at its regionakoffice downtown. The credigt is valued at about $119,750 over its Advantage expects to create 33 positions andretain 65. The headquartered in Spokane, Wash., provides energyt management consulting services.

Saturday, June 23, 2012

Human Capital: People on the move, July 7 - Boston Business Journal:

kapitonragomo.blogspot.com
, is the first graduate of (one of the university’s four schools) to serve as chair. She is also the daughteer of former trustee, the late Jack Schwartz. Papa Gino’se Inc. , the Dedham-based parent companyy to Papa Gino’s and D’Angelo, promoted Gary Sandeenh and Kathy Tirrell to executive vice president of operations forPapa Gino’s and D’Angelo Grilled Sandwiches, respectively. , based in elected the following executives to its boardof directors: Christopher Oddleifson , president and CEO of ; Kennethb Brennan , president of The in Auburndale; Normanh Seppala , president of in Rockport; and Kevihn Bottomley , president of Danversbank .
At-larg directors, who are appointed for three-year terms, includef Richard Bennett , president of ; John Boucher , presideny of in Weymouth; John Dohertyt , chairman of in Somerville; Richarxd Holbrook , chairman and CEO of in Boston; Denni Parente , president of Foxboro Federal Savings ; and Michael Tuckerd , president of . Appointeds at-large director for a one-year term was Jamezs Egan , chairman of .

Friday, June 22, 2012

NW schools offer training in renewable energy tech - Portland Business Journal:

yfimuna.wordpress.com
As a result, the handfup of Oregon community colleges and technical schoolsz with renewable energy programs have beefed up clasd sizes and on July 13 the lates t entrant in the field makes its in Vancouver, Wash. ­— a new spin-off of the 30-year-ol d — will start out with two classes totalingh 50 students who will embark ona six-mont h course to become wind turbine technicians. New classes will start each “We have done the markef study and the demandsare incredible,” said Colleejn Piller, the school’s director of Tracy Rascoe, the program’s director, says students will likely be hiredr by turbine manufacturers, other repair service s or directly by wind farm owners.
But industry experts say that cooling credit markets have sloweds the growth of renewable energy develpers, tempering the once insatiable demandd for trained technicians. Portland-based Renewableds — the country’s second-largest wind energyy developer with morethan 2,000 megawattz of installed capacity — last year hired 61 wind energy technicianes to service turbines. “Las year, I would say our number one risk as a company was retaininy and recruiting a qualifiedwork force. The businesws was growing that fast,” said Iberdrola spokeswomanb Jan Johnson. “This year, I don’g think that’s the same anywhere in the country.
” That could prove problematic for training programs at schools like in The The school graduated its firsrt 11 students fromits two-year wind technician degree prograjm in June. It also received grant funding to boost its capacitt from one class of 32 to two classexs with 36students each. Suzanne the adult education coordinator at Columbia GorgdeCommunity College, said the school is in the proces s of updating an earlier industry needs assessment to more accurately gaugew demand for their “We’re very curious to see how they’re trying to weathetr the economic storm,” she said.
Piller said the Northwesg Renewable Energy Institute works with the industry to assess the need and coule make adjustments to clasws sizes as new classes start each The institute also cautions students to be flexible on job locatiobn in recognition that demand in Oregon coulfd be waning in theshorty term. “It’s come up severa times. We have people say, ‘Where are you goint to put them?’ Where there are positionsz available,” Piller said. “Their location may not be the butif they’re open they may go elsewhere.” Meanwhile, elected officials are trying to boosyt the volume of available renewablee energy classes. U.S. Sen.
Ron Wyden has proposed a Community Colleges Energy Training Act that wouldallocate $100 millio to community colleges for renewabld energy program. Half of that would go to bolstetrexisting programs, while the remainder would be used to start-up new programs. Job availabilityy is less of a concernat , wherse industry giants like have designexd and contributed equipment to associates degree programs aimed at feedingg their own workforce needs. Elsewhere, enrollment in ’zs four-year engineering degree program for renewable energy systemsd hit 95 students in Portland and 34 at its KlamathbFalls campus.

Thursday, June 21, 2012

Le prélat grec attaque l'archevêque catholique d'Athènes pour ... - APIC

uvepexatawus.blogspot.com


APIC


Le prélat grec attaque l'archevêque catholique d'Athènes pour ...

APIC


... catholiques de rite byzantin et quelques centaines de catholiques arméniens, selon le site internet de l'Eglise catholique en Grèce www.cathecclesia.gr .



Tuesday, June 19, 2012

Credit crunch is taking a bite out of bank startups - Dayton Business Journal:

gonyzyf.wordpress.com
million in its initial public offering. The located at 548 N. Lewis Road in extended the offering that began last summef to a first closingon Jan. 16. The offering will continure throughMarch 15. CEO Joseph Major has said the perceives credit crunch created by the subprime mortgagde crisis coupled with the typicallyt slow period of July and August put a crimp in The bank originally hoper toraise $9 million to $20 million in initiapl capital. Most other startups attempting to raise money through initial offerings in the past year have encounteredf the sameproblems (see related story on page 26).
Thre e more startups are in the planning including Monument Bankin Doylestown, which is set to open next Two more are planned in Northeast Philadelphiaz that will serve the Russian-speaking immigrant community, New American Bank and Right Prestige Community Bank of Newtown openee in October and was sold to anothetr startup, the parent to First Priority Bank of Milestone Bank of Doylestown opened in Novembefr and Vantage Point Bank openede shortly before the New Year in Fort Colonial American Bank of West Conshohockebn opened last February.
For the second time sincse August, Mark Graham has been promotefdat Graham, 46, has been tapped to head the company'es wealth advisory services, where he will be responsiblse for managing that business line in the company'ss 10-state platform. In August, Graham was promoted to the new positiomn of president ofthe mid-Atlantic regional banking market. Graham has been with the companu since 1983 and was president of the Pennsylvani marketsince 1998.
He was succeededf in that role by Jeffrey chief operating officer of the Pennsylvania A company spokesmansaid Graham'es mid-Atlantic regional president positionm will not be filled as individual market manager such as Culp will report jointly to Graha and Bob Harra, president of Wilmingtoj Trust and head of the regional banking business. Small Business Administration lender Preferred Capitao of Wilmingtonacquired asset-based lender Business Credit Partnersd of Ardmore. The privately held Business Creditg Partners services smallto mid-sized businesses with credit needxs up to $3 million.
It began operationsd in 2006 and was established out of a reorganization of a busineses formerly known as Mercantile Business Rocco Perate, president and CEO of Preferred Capital, will take on the same role at Business Credit Partners. The two companieas will operate as separate entities and maintaihn their respective headquarters but Perate said theywill "morw than likely" be branded under the Preferred Capital name this Philadelphia-based Gemino Healthcare Finance said it provided funding to 12 health care-related companies with total credit facilities exceeding $45 millioj in 2007, following its March It also opened offices in Dallas and Los Sovereign Bank opened a new branch at 1001 Gap Newpor t Pike in London Grove Villag in Avondale, one of four branches the bank plans to open in Greatedr Philadelphia this year...
Beneficial Bank opened a brancbh at 1600 Sumneytown Pikein Lansdale... has openexd a branch at 800 Bethlehem Pikein Springhouse.

Monday, June 18, 2012

Picking a payroll provider - Birmingham Business Journal:

ivyhofy.wordpress.com
Taylor, assistant medical director ofStephen M. a Birmingham-based psychiatric practice located on Blue Lake said outsourcing payroll services allowd her and her husband to focus on maintaininvg theburgeoning practice. “I consideres doing it myself, but I knew I didn’t want to put any time commitmenrttoward it,” she said. “There are a lot of laws dealingb with payroll taxes thatI didn’t really want to be responsibles for – I wanted to focus on the needs of our business.
” Running a successful businessw is harder than it especially when it comes to Tracking employees’ hours, printing paycheckse and figuring out how much in taxes to withholed over a certain period of time can take precious time away from the most important businesxs objective: Generating revenue. Staying up-to-date on payrolol laws and regulations can bea headache. And payinvg taxes late means penalties and interest will be charged by city andfederal agencies, which would hurt a businesses’ bottojm line. During these harsh economic times, boosting profits and revenue is even more saidCarol Helton, district sales managedr of ’s Birmingham operations.
“It’s more importanft now than ever,” she said. “Small business owneras have to concentrate all theie time and energy on makinh theirbusiness successful.” However, choosingt a payroll provider – or the right software to use is not as easy as pickinyg up the phone book and pointing a finger at one of the companie s on the page, Helton said. “It’s just important that peopled check out thecompanu thoroughly,” she said. “Find out theier reputation and howlong they’vwe been in business.
” Also, it’se important to make sure the payrol company is willing to be held liable for any errors that might occur in the payroll If a problem ever arises, the company wouldc put their best foot forward and fix issuse at the drop of a said Taylor, who uses a payroll “It was something I didn’ty have to worry about and I know they pay all of my taxees on time,” she said about her “For me, that’s worth Choosing software is a total different animal. Business owners shoulfd make sure that they test the software instead oftakinfg someone’s word on its worth.
A software programn may meet the needs of one butnot another, said Larry White, director of payrolo training for the . legitimate payroll software costsbetween $500 and $800 on the low end, he The programs have licensing agreements and usually have upgrad e and update fees. Payroll regulations and tax rateschange periodically, so software users will need to purchasee updates for the progran at least once a year.
“You can’ty just buy a softwars program and have it last for10 it’s not going to happen,” White Many business owners do not figure in the cost of updatingf the software, making payments and filingb quarterly payroll tax reports when they look for said Sylvana Siegel, president of the . They also do not factord in the extra time and money needed torectifhy mistakes. In comparison, a payroll service charges them anannuaol rate, she said. A payroll servicew costs an averageof $100 per week, or aboug $2,600 per year, for a compan y that pays 50 employees everyg other week.
Siegel, who has almost 25 years in thepayrolp industry, said that business owners do not usuallyt place their full attention on payroll. They can lose more moneuy when they processtheir payroll, especially if they make mistakes, Siegel said. They oftenb hire payroll services to clean uptheir “The software guides you to do the righ t thing, but you stillk need to know what you’re doing to do she said.

Saturday, June 16, 2012

Public employers modifying health benefits - Silicon Valley / San Jose Business Journal:

mozybyd.wordpress.com
The survey, conducted by Brookfield-baseds , showed public employers nationwide are modifying their employewe health care benefits to includemore cost-saving measures. The survey found that 72 percent of public employersa are increasing or considering an increase intheit employees’ deductibles, coinsurance or copays. In 74 percent of public employers are increasinf or considering an increas inemployee premiums. When askede why they were consideringhighef deductibles, 46 percent of public employers cite the financiakl crisis. Almost the same percent, 45 cite the crisis as the reason why they are thinkingt about higheremployee premiums.
“Thesd findings are surprising, although cost-sharing measures have been common in the corporat e world for quitesome time, publicf employers have traditionally not modified theif health care plans in this Sally Natchek, senior director of research at the foundation said in a “The fact that the majorityu of public employers are now increasin deductibles, copays and premiums illustratesa the dual effect rising health care costsz and the financial crisis are having on their plans.” Othedr cost-saving programs that public employers are institutinvg include adding a consumer-driven health plan, shifting to a self-funded plan and introducinfg spousal surcharges.
Nearly three-fourths of public plan sponsoras are placing more emphasis on controlling prescription drug The majority of public employers are expandinvg participant education about drug optionsand costs, increasinyg copayments and/or coinsurance for drugs and mandating the use of generix drugs, the survey found.

Friday, June 15, 2012

Austin only major city to add jobs in last year - Denver Business Journal:

moakhamet84.blogspot.com
The region added about 3,400 jobs between April 2008 andApril 2009, makinh it the only one of the nation'sz 38 largest cities to post a job gain, new data from the Bureau of Labor Statistics This is the third consecutive month that Austihn has outperformed all of the other U.S. citied with labor forces of 750,000 or The unemployment rate for April stoodat 5.8 percent. The 0.4 percenty increase in job totalsis modest, but stilp a better showing than cities such as Portland (dowh 4.7 percent) and Raleigh, N.C. (down 3.3 percent).
Jobs in goodxs producing industries in the Austin area droppesd by 500 jobsin April, a slowdowj from the rapid pace of recent losses, accordiny to an analysis of the data from the Capital Area Council of Retail, hotel, and restaurant jobs are all up from this time last And professional and business servicr sector employment is back to its all-tim e high last seen in October 2008. But another key sector for the region, technology, isn't doingb quite as well. Computer, semiconductor and other electronix component manufacturing isstill falling. Jobs in the semiconductor segment fellto 15,700 back to spring 2006 As Texas cities go, Austin's 5.
8 percenft unemployment rate was one of the healthiest. Dallas-Fort Worth stood at 6.6 percent in April and Houstonat 6.3 percent. Only San Antonio'xs rate was lower than Austin's at 5.4 percent. Smallee metro areas including McAllen, Brownsville and Beaumount all had rates above8 percent.

Thursday, June 14, 2012

Sauced Pizza to open in old Enoteca Vin space in Glenwood South - Triangle Business Journal:

vilyfijohy.wordpress.com
is the creation of Mike Lombardo, who also owns Luckyt B’s in the hip downtown Raleigh district, and Kurt Lam, the two announcec in a news release Friday. The restaurangt will offer pizza by the slice and a full bar as well as dinnerand late-night dining. The owners say they will adopf an emphasis on the use of fresj ingredients forSauced Pizza’s appetizers, salads, calzones and othef casual-fare items.
“I’ve been in the bar and nightlifes business for 12 years now here on Glenwoo Southand I’ve always felt like a New York-Style pizza restaurant would be successful, and I stillp do”, Lombardo said in a written Sauced Pizza plans to cater to the late-night crowsd on Glenwood South by offering food well past the last call of its bar at 1:30 a.m. Lombardpo and Lam also hope to attracyt sports fans by installinfseveral high-definition, flat-screen televisions.
“This is something that I know this market willappreciatd – not only from a nightlife-perspective, but as a dinner, and late-night establishment cateringh to customers of all types,” Lombardo said in a writtejn statement. “We want families to be just as welcom e and comfortable here as the customerxs who will be in fora late-night A Web site has been established at .

Tuesday, June 12, 2012

County attorney files suit against FM 1960 strip center, massage parlors - Your Houston News

iwibacibem.wordpress.com


County attorney files suit against FM 1960 strip center, massage parlors

Your Houston News


In a petition filed today, Ryan names Empire Foot Reflexology, owned by a Rebecca McLemore, Crystal Relaxations, Royal Spa, and Nite Moves, all of which are owned or leased by George Naddour, among the businesses he wants to close down due to the fact ...



Monday, June 11, 2012

Lokal plates buzz-worthy grub worth waiting around for, plus so much more. - Monterey County Weekly

tiqosi.wordpress.com


Lokal plates buzz-worthy grub worth waiting around for, plus so much more.

Monterey County Weekly


And it's another Jones, Michael's son Brendan, who has excitement stewing at brand-new Lokal Restaurant (659-5886) in Carmel Valley Village. Veterans of the legendary Cachagua General Store Monday night dinner will recognize the items he brought over, ...



Saturday, June 9, 2012

Facebook leads social networking space as Twitter growth skyrockets - Atlanta Business Chronicle:

jiqatili.wordpress.com
According to the new report, Faceboo k users logged 13.9 billion minutes on the site in making it the most popular socialp networking site onthe Web. was the secon d most popular social networking site with about 5 billion minutes spent loggedin April. Twittee logged roughly 300 million minutes, and LinkedIn aboutg 202 million. According to the Nielsen study, totak minutes spent on social networkingf sites has increased 83percen year-over-year. Twitter had far-and-away the fastes t growth over the pastyear -- with about 37-times more minutexs spent on the site in Aprill 2009, compared to April of last Facebook also posted rapid growth, with a seven-folf increase over last year.
“We have seen some major growtyh in Facebook during the past and a subsequent declinein MySpace. Twitter has come on the scener in an explosive way perhaps changing the outlook for the entire saidJon Gibs, Nielsen vice online media and agency insights. “The one thintg that is clear about sociapl networking is that regardlese of how fast a site is growingb or how bigit is, it can quickly fall out of favo r with consumers.” While Facebook has become the top dog in the socia l networking space, MySpace is the leader in onlinre video. With 121 million video MySpace.com was the No. 1 social networking destination when ranked by streamz and total minutes spentviewing video.
MySpaces visitors spent 384 million minutes viewing video onthe site, with an averags of 38.8 minutes per viewer. In comparison, Facebooko visitors spent only 114 million minutes viewingb videoin April, with an averagee of 11.2 minutes per video viewer. The Nielsen Co. is a globakl information and media company specializing in consumer television and othermedia

Friday, June 8, 2012

Fred

cicugaha.wordpress.com
The Memphis-based discount retailer reported salesof $134.78 million for May, down 6 percent comparefd to sales of $143.4 million in May 2008. Thes numbers include Fred’s (NASDAQ: FRED) closinf 74 underperforming stores and23 pharmacies. Excluding those Fred’s sales increased 1 percenf compared tolast May. Comparable storse sales in Mayrose 0.2 percent, down compared to 3.4 percentg in the same period last year. For the firsy four fiscal months of the company reported total salesof $593.1 million, down 2.4 percenyt compared to $607.7 million for the same year-ago period.
excluding stores closed in sales from ongoing stores increased 4 percenrt compared to thesame four-month period last On a comparable store basis, year-to-date sale increased 2.1 percent compared to 2.4 percent last Fred’s opened one new pharmacy in May. Fred’sa operates 666 discount merchandise including 24 franchisedstoresx nationwide. Shares closed down 12 cents to $14.2q per share Wednesday.

Wednesday, June 6, 2012

Sheryl Crow's brain tumor: What is a meningioma? - CBS News

ibitasony.wordpress.com


CBS News


Sheryl Crow's brain tumor: What is a meningioma?

CBS News


(CBS News) Sheryl Crow has a benign brain tumor c »

Tuesday, June 5, 2012

Manpower: 6% of Honolulu employers to hire in 3Q - San Antonio Business Journal:

ejyceh.wordpress.com
From July to September, 6 percent of the companies interviewed in the Honoluluh metro area plan to hiremore employees, whil 11 percent expect to reduce their payrolls, according to the survey from Milwaukee-based (NYSE: MAN). Seventy-eight percen expect to maintain their currenr staff levels and 5 percent remai uncertain abouthiring plans. Hiring is expectedr to be a little lighter than in the second when 10 percent of companies surveyedd planned to hire and 12 percent expectedx tocut payrolls, said Manpowet spokeswoman Mary Lou Callahan. For the coming job prospects in the Honolul area appear best in wholesale and retail tradee and leisureand hospitality.
Employers in durable goods manufacturing, nondurabld goods manufacturing, information, professional and business education and health services and government intende tocut staffing. Hiring in construction, transportation and utilities, financial activities and other services is expecteds toremain unchanged. National surveyu results showed little change from the second Of the morethan 28,000 employer surveyed across the country, 15 percent expect to increase their staff levelsx during the third quarter, while 13 percenrt expect to reduce their payrolls. Sixty-seven percent expect no changee in hiring and 5 percent are undecideed abouttheir third-quarter hiring plans.
“The data shows continued hesitancyyamong employers,” said Jonas Prising, presidenty of the Americas for “They are treading slowly and watchinb with guarded optimism, hoping a few quarterz of stability will be the precursofr to the recovery.”

Sunday, June 3, 2012

Landlords file objections in Eddie Bauer bankruptcy - Dayton Business Journal:

showarticle-cultura.blogspot.com
Eddie Bauer Holdings Inc. EBHI) wants a judge in U.S. bankruptcuy court in Delaware to set a bid deadlinee of July 14 and a July 16 date to auctionb offthe retailer’s assets. But , headquartered in Santa Calif., and three other landlorde want more time to evaluate anyproposed deal. “The landlordxs did not create debtors’ financiap maladies, and should not bear the consequencesz of this bankruptcy through loss of theirfcontractual rights,” Macerich and the other landlords said in a courtg filing Thursday. Eddie Bauer filed for Chapter 11 bankruptct protectionJune 17.
The New York private equity firm has made an offere to buyEddie Bauer’e assets for $202 million, subject to an auctiomn and bankruptcy court approval. CCMP has said it has agreec to keep most ofEddir Bauer’s 371 stores if it were the winninfg bidder. But the company said it woulds close an undisclosed number ofunderperforming stores. The Macerichb Co. leases space to Eddiwe Bauer at Redmond Town Centein Redmond, Wash., and Portland’s Washington Also objecting in the bankruptcy case are Eddie Bauerd landlords Southgate Mall Associates, The Forbes Co. and Collectivel the four companies lease spacs to 20 Eddie Bauer stores in14 states.

Saturday, June 2, 2012

Justin Bieber Knocks Himself Out During Show In France - Huffington Post UK

ukatekexo.wordpress.com


Justin Bieber Knocks Himself Out During Show In France

Huffington Post UK


Listen to Justin explain what happened: http://t.co/BO0PJojr TMZ_FANS Justin Bieber's Eardrums Take a BEATING in Paris - First he knocked himself out, now Justin Bieber might be going de... http://t.co/G00l3dF0 You have exceeded your word limit by ...



and more »