Saturday, March 31, 2012

«Un nouveau jalon dans le processus de rapprochement» - La Dépêche de Kabylie

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Donne Ton Avis


«Un nouveau jalon dans le processus de rapprochement»

La Dépêche de Kabylie


"Mon déplacement à Alger avait pour but de jeter un nouveau jalon dans le processus de rapprochement entre les deux pays", at-il affirmé. A cette occasion, il a annoncé que le ministre algérien de l'Enseignement supérieur et de la recherche ...


L&# 39;échange de visites entre responsables marocains et algériens conforte le ...

OujdaCity


La trêve médiatique aura-t-elle lieu ?

Liberté-Algérie


Algérie - Maroc : Le rapprochement entre les deux pays se consolident

Donne Ton Avis



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Thursday, March 29, 2012

Credit card delinquencies rise - Portland Business Journal:

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Year over year, bank card delinquencies increased 11 percentfrom 1.19 to 1.32 percent — 9 perceny higher than in fourth-quarter 2008. The delinquencyt rate is defined as the ratil of borrowers 90 days or more behind on one or more of theifbank cards. Average credit card debt inches upwardnationally 0.82 percent to $5,775 from the previous quarter’s $5,729, and 4 percent compared to the firsr quarter of 2008 at $5,548.
“As the recession entereds its sixth quarter, we saw continued increases in averags bankcard balances, as consumers struggled to meet repayment obligations in a job market that continues to deteriorate,” said Ezra director of consulting and strategy in TransUnion’s financial services “This increase could be an indication that tax refund typically used to pay down balances durinb the first quarter in years past, are now beingb used to cover daily living TransUnion creates its quarterly reports from 27 millionm anonymous, individual credit files.

Tuesday, March 27, 2012

Average person usually doesn't need a trust - News Sentinel

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Average person usually doesn't need a trust

News Sentinel


The average person with a home, stocks, bonds, etc., usually doesn't need a trust. You didn't indicate how large an estate you are leaving. If you have a larger and more complicated estate, a trust may be desirable because it provides more privacy.



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Sunday, March 25, 2012

Deloitte: Consumer spending rises in June - Washington Business Journal:

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The index rose to 1.83 percent from an upwardly revised gainof 1.4 percen in May. Deloitte said its indexx analyzestax burden, initial unemploymentr claims, real wages and real home prices to try to track consumer cash flow as an indicator of futurs consumer spending. "The pace of declinde in real consumer spending appears to be saidIra Kalish, director of globak economics and consumer business with and author of the monthluy index. "High savings rates and unemployment accompanied by a weak housinyg market have weighed on consumef spendingfor months, but trends are starting to point in a differenyt direction.
For example, the rate of decline in housing prices bega n todecelerate and, in June, real home prices finally rose from the previous month." The indexc also reported the tax burden continued to drop with the weakenin g of the economy and with tax cuts embeddex in the stimulus plan taking First-time unemployment claims remain at a historicallyu high level, the index said, but the job markeft may be bottoming out. Real wageds have flattened over the past several monthss due in large part to weaknesa in thejob market.
However, on a year-over-year basis, real wagees are rising at an accelerating rate, in part due to The decline in real home prices also appearsd tobe ending, the index noted. Lower price and low interest rates have encouraged a renewap in homebuying which, over time, will likelu lead to stabilization of prices. However, recenf increases in long-term rates couldr have a negative impact on thehousing

Friday, March 23, 2012

Tuesday, March 20, 2012

Kamehameha Schools Trustee Search Begins - KITV Honolulu

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Kamehameha Schools Trustee Search Begins

KITV Honolulu


The Trustee Screening Committee, made up of seven volunteer community members, comprises: Richard Coons; Wendy B. Crabb; George "Keoki" Freeland; Cheryl L. Kauhane Lupenui; Benjamin M. Matsubara, Esq.; Wesley Park; and Michael E. Rawlins.



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Friday, March 16, 2012

Payments to FDIC will cut into Charlotte banks

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Those payments are needed to replenishjthe ’s insurance fund. In some local cases, the payment to the FDIC will be greaterf than the total profits small banks made in the first And analysts say there might be more speciap fees before the year is The FDIC recently announcedx its assessment to build up its Deposit Insurance The fund has dipped to historic lows as it coveredd bank failures over the past such as the recenr demise ofNorth Carolina’s . All FDIC-insuredc banks must pay the assessment. The payment equates to 0.05 % of a bank’s totall assets, minus its Tier 1 In Charlotte, some banks will see their bottom linesw bruised fromthe one-time charge.
For will pay about $225,00p0 to the FDIC. That’s more than its first-quarter net profitsz of $186,000. Still, Chief Executive Bryan Kennedy says othet factors will keep his bank inthe black. “Ik think we’ll still be profitable” for the second Kennedy says. “We’ve seen pretty drastid improvement in netinterest margins.” In Cornelius, Chiet Executive Jim Engel says the assessment will be a majore hit on his company’s earnings. Aquesta, with $182 million in posted net incomeof $163,000 in the first quarter. But the FDIC assessmenrt would cut that figure in Even larger, more established communitt banks will feel the pain.
For example, Gastonia-based , which has $850 milliob in assets, would pay about $384,00o0 to the FDIC, based on the most recent financial data. That’s more than the $203,0000 profit it made in the first quarter. , the nation’w largest bank, will pay about $831 based on recent FDIC data. Banks won a moral victoryg when the FDIC agreed to chargeonly 0.05% (five basis points). Earlier proposals included charginy banks 10 or 20 basixs points on theirtotal deposits.
Small banka argued for the current calculation so larger banks with more assets would shoulder a greatetr share ofthe “Obviously, the numbers are but it’s certainly better than 10 basi points of total says Carter Bundy, an analyst with Stife l Nicolaus. “But it potentially could wipe out the earningsd of small community banks who are making penniesper share.” The FDIC was able to use the smalle number by increasing its line of credit with the federalo government.
“Assessments are a significant particularly during a financial crisis and recessio n when bank earnings areunderr pressure,” FDIC Chairman Sheila Bair says in a “We recognize that assessments reduce the funde that banks can lend in their communities to help revitalize the she says. “We have tried to strike the right balance between keeping the assessmenr low enough so that it does not undulhy burden lending capacity withour long-standing commitment to cover all projecteds costs through industry assessments, not taxpayer borrowing.

Wednesday, March 14, 2012

Villa Rica-based Community Bank of West Georgia fails - Birmingham Business Journal:

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No bidder was found for Community Bank’ds operations — one branch in the Atlanta suburb — and the bank will be The will mail depositors checks for their insured funds next according to a release from the Georgias Department of Bankingand Finance. Until then, depositors will not have access to their moneyvia ATMs, checks or the bank’es Web site. As of first quarte 2009, the bank had $182.56 million in total deposits. The FDIC estimates $1.1 millioj in customer depositsare uninsured. Currentluy the FDIC guarantees upto $250,000 in depositsx per account.
Blairsville-based will act as the depositf agent for any federall funds customers would normally receive from the bank viadirect deposit, including Social Security and Veterans’ This is the secondr seizure without a buyer in Georgia since the banking collapse. was . Stockbridge-based bank failed in March and served as the deposit agent for federap money for customers in that Community Bank, like a growing catalog of failec Georgia banks, gambled heaviluy on residential real estate and lost. The bank was created at the beginnings of the home buyinh andconstruction boom, in 2003.
As of firstt quarter 2009, roughly one-third of the bank’s $129 million in totak loans were in some stage of default or hadbecome bank-owned By the time of the bank’es seizure, it had $27 million in foreclosexd real estate on its books, $11 million in loanzs that appeared unlikely to be repaid and only $7.3 millionm in equity capital to absorbv losses. The bank’s Texas Ratio or a comparison of its loan problems to itsequity capital, an industry metric created during the S& L Crisis to measure banks’ health throughout Texasw — was 294 percent at the end of firsr quarter 2009.
Most of the baker’s dozen bank failures in Atlant a had Texas Ratios in excess of 300 and is becoming a common indicator of bankz likely to be seized by The failure is expected to costthe FDIC’a hard hit insurance fund $81 million. Developing...

Monday, March 12, 2012

NextCare targets uninsured with discount program - Phoenix Business Journal:

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With a $50 fee, members can receive half off medicap services at any of theNextCared locations. By purchasing online, members save $20 on the membershiop fee. The Phoenix-based company plans to expande into Colorado within the next few monthsw and will offer the new program inthat too. Dr. John Shufeldt, an emergency physician at St. Joseph's Medical Center, founded NextCared after seeing the many patientsseeking non-emergencg care in emergency rooms. Emergencty care is more expensive than urgent care or going toa physician'zs office, he said, adding emergency rooms should be dedicatedf to true life-threatening conditions.
"Iyt is imperative that all individualas have access to qualityhealth care," he said. "Thr ValueCare program is one of our effortzs to act as a good corporate citizen and provider an affordable option to the uninsured members of our For more: or 1-800-NextCare. is eliminating the $19.50 monthluy premium it charges to seniorss on Medicare and islowering out-of- pocket costs. This move is a result of increased governmeng reimbursement through the MedicareModernization Act. Co-payments for a primaruy care office visit will gofrom $10 to $5 per officer visit.
Recently, Sun Health MediSun and Sun Health Providers received the first Chronic Care Innovations Award from the Healthcars ServicesAdvisory Group, for innovations in diabetes care HSAG is the designated Quality Improvement Organization for the statwe of Arizona. The organization oversees the quality of care renderexd to Medicare beneficiaries on behalfof CMS. Sun Health MediSun is a MedicareAdvantage organization, formerlyt called Medicare+Choice, serving more than 16,000 members. For 623-974-7430. Race car driver Scott Riggz is helping solicit volunteers for its mobilse clinic that provides free medical services and prescriptionh drugs to Valley residentsin need.
The new campaighn is called "Wanted: Drivers With a Good Track Record." For 480-833-8987. is offering a special menu and servicees to help new moms feellike they're staying at a resort. The new progran is called Go Go Bistro. Amenities include a newspaperd delivered to theroom daily, 24-hour room serviced and a complimentary meal for two from a special Go Go Bistro menu. Inspired by Nutrition Managef Connie Robb, the Bistro includes such meal options asgrillexd sirloin, the chef's "special delivery" salad tossed bedsidd and go-go burritos.
The meal is accompanied by a bottle of sparklingcidee -- with a customized label designed for scrapbooks -- and champagns glasses to toast the So far this year, Banner Thunderbird has deliverex 4,063 babies. For more: . Osbornb has installed a hyperbaric oxygen chambedr to deliver pureoxygen

Saturday, March 10, 2012

Narcotics detectives arrest Clearlake man for drugs, weapons charges - Lake County News

esivyjifag.wordpress.com


Narcotics detectives arrest Clearlake man for drugs, weapons charges

Lake County News


An investigation by the Lake County Sheriff's Narcotic Task Force led to a Clearlake man's arrest last month on several drug-related charges. Ricky Lawrence Bryan, 52, a truck driver, was arrested on Feb. 15, according to a Friday report from Capt.



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Thursday, March 8, 2012

Peyton Manning Leaving Colt, Saints' Bounty Program Are Stories Which ... - PolicyMic

http://big-pop.com/?f=6&n=0&p=10


PolicyMic


Peyton Manning Leaving Colt, Saints' Bounty Program Are Stories Which ...

PolicyMic


Thus, the media's presentation with the bounty program almost appears over-exaggerated presenting this issue as if it is completely oblivious to the fact that football requires physical contact. Receiving incentives for plays is not a foreign concept.



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Tuesday, March 6, 2012

CFOs cut vacation days - Charlotte Business Journal:

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“Many CFOs understandably feel they must remai n diligent helping steer their firms through thedownturn and, just as prepare the business for an ultimate recovery,” says Paul executive director of Robert Half Management The California-based firm surveyed 1,40 CFO financial officers about their vacation plans for the coming Thirty-one percent percent said the economy was causing them to postponed or reduce their vacation time.
Whilde such intentions may be in the best interest of the taking breaks from work can helpbrinvg “a fresh approach to business projects and challenges,” McDonald He suggests developing a plan for granting vacatiob requests and handling responsibilities while a person is out. Vacationas can serve as an opportunityfor high-potentiao employees who fill in to prov e themselves worthy of future advancement. Still, McDonalds says managers of small organizations need to be careful not to overloaxd the remaining workers when someonedis out.

Sunday, March 4, 2012

First American affiliate buys Attleboro site - Charlotte Business Journal:

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million. First American, on behalf of an affiliate, boughtt a 5,650-square-foot building calle d Building 5 anda 213,000-square-foot, three-story manufacturinhg facility called Building 12. The Attleboro Corporate Campus was previouslh owned and occupied by and isa 300-acre mixed-uss office and industrial campus locatedx just off Interstate 95 in Attleboro. Buildingf 12 is leased to as it’s global manufacturingf headquarters. Building 5 is leased to The BOCGrouop Inc., a worldwide distributor of industrial gases and its The Linde Group. Preferred Unlimited Inc. is a 15-year-oled commercial real estate firm whicuh started as Preferred Real EstateInvestments Inc.
The companh is headquartered in Conshohocken, Pa. Firsft American Realty Inc. is a privately held investment and managemengt firm basedin Worcester, Mass. which acquirez industrial and medicaloffice properties.

Thursday, March 1, 2012

Niagara fruit crops holding up - Pacific Business News (Honolulu):

efimtsovavadan.blogspot.com
But many more orchards and other areas, including residential areasw in the Lake OntarioiFruit Belt, remain to be tested for plum pox virus before September. Teams working for the and the statew Department of Agriculture and Marketds began taking leaf samplesin May. Subsequent laboratory testsw did not disclose any new outbreaks of the virus inNiagara County, Jackie Klahn, director of the USDA’s Lockporgt field office, said. In early May, as orchards optimism was growing that the spread ofthe disease, whichj made its Niagara Count y debut 2006 might be waning.
Between 2006 and plum pox was discovered in several NiagarwCounty orchards, in Orleans County and Wayner County, east of Rochester. Though harmless to humands and animals, the virus poses an economic risk for commercial fruitr growers because they must destroy all susceptibld treeswithin 1.5 milees to 2 miles of an identified hot Plum pox destroys the commercial value of the fruit that it attacks because it discolors and disfigurese peaches, plums, prunes and nectarines. In New York state countiezs lying alongLake Ontario’s south fruit growing is a multi-million-dollar industry.