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Coming: Buying Groceries Online with Food Stamps
From The Kiplinger Agriculture Letter, March 7, 2014
Food stamp recipients will soon have the option of buying groceries online, courtesy of the new farm bill. It orders the Department of Agriculture to conduct pilot projects during the next two years before expanding such online purchasing nationwide by '17. Food stamp transactions will contribute to the growing share of groceries sold online in the U.S., propelling it to 10% in a decade, up from 2%-3% now. Though food stamps can't be used to pay delivery fees, many grocers already waive those charges, figuring that online sales help them to curb the expenses of bricks-and-mortar stores.
Meanwhile, the USDA is ordering more free meals to be served in schools. As of July 1, over 22,000 schools in low-income areas will start serving all lunches and breakfasts for free…on the theory that kids who aren't hungry perform better.
Both moves spell more profits for farmers, as ramping up of online purchases and expanded volume of food served in school cafeterias boost sales of farm products.
More Traffic Violation Cameras Despite Opposition
-- From The Kiplinger Letter, March 7, 2014Watch for more city governments to pull the plug on traffic violation cameras. After rising steadily for years, the number of localities using cameras to ticket drivers who speed or run red lights has started to fall because of mounting voter opposition. Roughly 30 cities have disconnected their cameras as a result, and more will follow.
But the total number of cameras in use will keep climbing. Many large cities are investing in more of them, for use at more intersections or in new applications. Vendors such as American Traffic Solutions see big sales opportunities in Chicago, New York, Washington, D.C., and other cities looking to toughen traffic enforcement.
Ukraine Will Need to Swallow Losing Crimea
-- From The Kiplinger Letter, March 7, 2014East-West tensions over Ukraine will ease within a month or so. Once the Crimea votes to leave Ukraine and ally with neighboring Russia… whether as a separate republic or annexed by its neighbor…Kiev will swallow its pride and accept it. It doesn't have the military or economic might to do anything else, and $16 billion in aid from the U.S. and the European Union will assuage its pain.
No tough action against Russia is likely from either the U.S. or the EU, despite lip service to the new Ukrainian leaders and moral outrage over Russia's show of force. Among other reasons: Europe depends on Russian energy and capital, and the U.S. is using a path through Russia to withdraw equipment from Afghanistan.
Look for President Putin to soften his saber rattling soon, pulling most troops back to Russian bases in the region. The mini-occupation is costing Russia a bundle, and he'll want to soothe Western concerns to salvage a June G-8 meeting in Sochi.
Reform of Mortgage Giants on Back Burner
-- From The Kiplinger Letter, Feb. 28, 2014Don't expect reform of Fannie Mae and Freddie Mac to get anywhere in the next year or two. Congressional fury at the quasi-governmental twins, which back about 90% of new U.S. home mortgages…has waned since 2008, when Uncle Sam started acquiring stock in them as part of a $187-billion bailout. Though policymakers still worry that the enterprises are too big, they're less eager to whittle them down, now that the U.S. Treasury is collecting billions in dividends.
Seniors Embracing Smart Phones, Apps
-- From The Kiplinger Letter, Feb. 28, 2014The fastest-growing demographic for smart phones and digital applications? People over 55. That market will grow by 25% this year, so half of them will own smart phones...a massive pool of potential customers for businesses of all kinds. But since many of them are technology newbies, the best approach to gain their business is through easy-to-use apps with clear instructions at each step.
Don't forget social media…Facebook, Twitter, etc…to reach older folks, too. About 40% of U.S. users of social media are 50 or older. Like people of all ages, those 55 and over most often turn to the Internet for e-mail, searches and health info.
Universities Get a Break on Obamacare
-- From The Kiplinger Letter, Feb. 28, 2014Colleges and universities can breathe easier about the health care mandate. A new rule gives them flexibility in counting hours for adjunct faculty, and they don't have to insure students in work-study programs, even if they work more than 30 hours a week. Schools can calculate the hours adjunct faculty work by using a "safe harbor" rule: 1.25 hours of preparation for each hour of teaching. Many institutions, especially community colleges, rely heavily on adjunct faculty. Some were cutting instructors' hours deeply to ensure that they didn't hit 30 a week, the trigger for offering insurance or being fined. But with safe harbor provisions in place, calculating hours will be surer, allowing some planned cuts to be reversed.
Obama, GOP Budgets Are Dead on Arrival
-- From The Kiplinger Letter, Feb. 28, 2014President Obama's tax and budget proposals aren't worth losing sleep over. They won't be adopted. They'll make headlines in early March when Obama officially releases his FY 2015 budget proposal, then disappear.
His wish list will give well-off folks plenty to grouse about, though: Limits on the value of tax deductions for top earners...capped at 28% regardless of which tax bracket they're actually in. The income threshold would be $225,000 for joint filers, $183,000 for individuals. Also, a new ceiling on the value of tax-preferred retirement funds...about $3.4 million at current rates. Later on, Obama may push means testing for Medicare and Social Security.
Other proposals appealing to the Democratic base: Big cuts in defense. More cash for child nutrition programs. And preserving funding for education.
Tax and budget plans from congressional Republicans won't fly, either. The GOP largely wants deeper spending cuts and lower tax brackets...25% for corporations and most people...with little new revenue. Democrats won't bite.
The fact is, a two-year budget deal covering FY 2015 is already in place. So both sides are offering up stridently partisan plans purely for show.
How the U.S. Will Handle Unrest in Ukraine, Venezuela
-- From The Kiplinger Letter, Feb. 28, 2014Washington is taking a markedly different approach to two global hot spots. It will play an active role in the upheaval in Ukraine. Along with the IMF… International Monetary Fund...the European Union and, to some extent, Moscow, the U.S. will offer a loan package to Ukraine in exchange for market reforms by the new regime. Ukraine says a bailout is needed to avoid total economic collapse. Still, a financial fix may not be enough to keep the Crimean region from breaking away.
But the U.S. plans a hands-off approach to civil unrest in Venezuela. It will leave it to Venezuelan President Nicolás Maduro to stabilize the economy, racked by high inflation and a lack of credit for many small and midsize businesses. Washington believes that violent protests in the streets will be a sufficient motivator for Maduro to relax controls on the economy set by his predecessor, Hugo Chávez. Freeing up credit will take the pressure off businesses, making it possible for them to stock more food and other needed consumer goods, helping to alleviate tensions.
Pay Gap for Younger Women Will Widen
-- From The Kiplinger Letter, Feb. 21, 2014Though pay for young women is nearly on a par with that of young men, earnings of female workers overall will lag those of men for years to come. Career choices and time away from work to have and raise kids are big reasons for the pay discrepancy. Women of all ages earn around 77¢ for every dollar that men earn, while women born after 1980 make about 93¢ on the buck. But despite a growing advantage in bachelor's and advanced college degrees, the millennial generation will see pay gaps widen in child-bearing and -rearing years as more women than men spend less time on careers, losing out on advancement.
U.S. Farm Producers to Sell Directly to China
-- From The Kiplinger Agriculture Letter, Feb. 21, 2014U.S. agribusiness can at long last sell directly online to Chinese consumers, without the need to partner with businesses in China. Moreover, Alibaba, owner of Tmall.com, China's version of Amazon, has launched Tmall Global, recruiting foreigners to join its 70,000 Tmall merchants. Alaskan fish and cherries from Washington state are already sold there.
Maple syrup makers will soon rename the quality grades of their products, leading to revisions of maple syrup labels in the U.S. and Canada in '15 and '16, as producers and regulators approve new national and state grading standards. Vt., source of 40% of U.S. maple syrup, approved changes in Jan. Other states in the Northeast and Great Lakes regions plan to follow suit. Old A and B grades will give way to four standards … Golden Color/Delicate Taste, Amber/Rich Taste, Dark/Robust Taste and Very Dark/Strong Taste … plus a lower, processing grade for syrup to be blended into other foods. The new names mean Vt. producers, some grudgingly, will forfeit their Vermont Fancy label so that grades are uniform.
Democrats Fretting More About 2014 than 2016
-- From The Kiplinger Letter, Feb. 21, 2014Democratic insiders don't like the early focus on 2016's presidential race. They want to lavish money and attention on 2014's congressional contests and deal with presidential politics after Nov. Their concern is Democratic apathy... that party members will focus so much on Hillary Clinton's White House chances that voters and wealthy donors will ignore House and Senate candidates this fall.
Even if they get their way, Democrats won't take back control of the House, so the focus on a future race that is, at this stage, theoretically winnable is natural.
Clinton won't announce until next year, but the groundwork is being laid. Vice President Joe Biden won't run unless Clinton doesn't for some reason, so she'll likely have a quiet primary while Republicans battle for their nomination.
Banks, Hedge Funds to Face Pricey New Regs
-- From The Kiplinger Letter, Feb. 21, 2014More scrutiny is on tap for the nation's largest banks. Federal regulators aim to force big banks to better identify and manage potential financial risks. Institutions with $50 billion or more in assets can expect tougher audit requirements, more frequent stress tests to ensure soundness and stiff penalties for noncompliance. Look for those changes to kick in by year-end, despite bankers' concerns about costs.
The comptroller of the currency wants banks to police themselves better, too, by appointing more directors who have no connection to the firm. Regulators figure that would promote independent oversight and help rein in potentially risky practices.
Big hedge funds, asset managers and mutual funds will also get a closer look. Regulators are likely to designate the largest and most critical to the financial system as "systemically important," subjecting them to regulations designed to trim risk. GE Capital is the only such nonbank/noninsurer institution given that treatment now.
Compliance will be costly for firms that have to abide by the new standards.
FCC to Ease Rules on Media Providers
-- From The Kiplinger Letter, Feb. 21, 2014More media consolidation, starting with the Comcast and Time Warner Cable merger. Comcast, already the largest U.S. cable and Internet provider, controls a ton of content through its ownership of NBCUniversal and will gain more customers. The Federal Communications Commission will attach strings to the deal in an attempt to placate those who predict higher rates and decreased levels of service. The merged giant will be able to pressure others to charge lower retransmission fees. If costs are high, Comcast can air its own content.
Also, an easing of media ownership rules for broadcasters and newspapers. The Internet puts any content provider in competition with media conglomerates, so the need to limit ownership of media properties in a market is somewhat outdated.
And a likely end to broadcast limits on sporting events. In pro football, especially, rules allow the NFL to keep games off local TV if all tickets aren't sold. The FCC contends the rule isn't necessary now because games can be viewed online.
Veterans to Get Additional Break on College Tuition
-- From The Kiplinger Letter, Feb. 14, 2014Veterans will soon have more choices for attending college on the GI Bill. They'll be able to pay in-state tuition at any public institution in the U.S., no matter where they live and regardless of the usual strict residency requirements. Congress will add that huge sweetener by next spring. The GI Bill now covers the cost of in-state tuition, with veterans picking up any out-of-state difference and fees. The move solves a problem many prospective student vets encounter: They aren't able to fulfill residency requirements because they are stationed in another state or overseas at the end of their military service. The extra expense causes them to skip college or defer enrolling. Schools that don't comply will be tossed from other GI Bill programs.
Schools to Tighten Up on Student Privacy
-- From The Kiplinger Letter, Feb. 14, 2014Expect tougher privacy rules for schools and firms with access to pupil data. Some states are already tightening privacy laws. The Education Dept. will follow suit, with clearer guidelines to protect student info and plans to punish noncompliers. There's a good chance Congress will weigh in with legislative protections as well: Limits on use of software and apps by teachers, along with stepped-up enforcement of rules that prohibit companies from reselling student data for advertising purposes.
Cloud storage firms that don't clamp down risk losing lucrative contracts.
Puerto Rico: Gloomy Prospects, Risky Bonds
-- From The Kiplinger Letter, Feb. 14, 2014Puerto Rico is at risk of becoming a Caribbean version of Greece: Small, and suffering from sharing a currency with larger, healthier nations. Just as the strong euro has hampered Greece's bid to promote growth, the U.S. dollar makes Puerto Rico's exports uncompetitive and fuels painfully high unemployment. With many Puerto Ricans migrating to the U.S., the island's prospects look grim.
A debt default is a long shot. But steer clear of Puerto Rico's bonds anyway. Juicy yields and favorable tax treatment don't compensate for the risk to principal.
Cybercrime Battle Heats Up Here and Abroad
-- From The Kiplinger Letter, Feb. 14, 2014With data breaches mounting and a cybersecurity bill stuck in Congress, the White House will direct government agencies to be more proactive in the battle against cybercrime by swiftly reporting any and all attacks they discover on government databases and on those of businesses they oversee. President Obama hopes that stepped-up involvement by agencies will both better shield government data and prompt lawmakers to require that businesses invest more in stronger firewalls.
Until and unless Congress enacts firewall standards, firms are on their own when it comes to protecting the swelling reams of sensitive corporate and client info. And so far, for the most part, businesses have been slow to shell out for security. Odds are Congress won't require tougher cybersecurity rules until 2015.
U.S. firms doing business in the European Union can expect more scrutiny from the Federal Trade Comm. In response to European demands, the U.S. will agree to require the FTC to vet and better enforce a provision to protect people's privacy. Compliance with the so-called Safe Harbor framework includes notifying individuals of how and why data about them is used and allowing them to opt out if they object. The EU is livid that the U.S. isn't stricter about safeguarding personal info, complaining that the FTC investigates companies only in response to complaints.
Internet privacy concerns are intensifying in other parts of the globe, too, as use of, and threats to, the Web continue to spread throughout the developed world and in emerging markets. Brazil, for example, is making noise about extricating itself from the global Internet, relying more on local servers to ensure its citizens' privacy. Leaders of other countries are talking likewise, looking to tighten local controls on digital expansion. The din will make it harder to ensure a stable Internet and embolden repressive regimes to censor the Internet even more than they do now.
It's a growing headache for Internet providers and other Web businesses… Google, Facebook, etc...that want to expand, not slow, global broadband service.
Mint Weighs Changes to Pricey Nickels, Pennies
-- From The Kiplinger Letter, Feb. 7, 2014A copper-colored nickel made from zinc? The U.S. Mint is considering one. Under study: Replacing the nickel coating and much of the copper content with zinc, a much less costly metal. The copper would be used to coat the zinc core.
But the Mint will tread cautiously and won't do anything that the public (or vending machines) won't accept. Other options include cutting the copper content of all coins or switching to an aluminum nickel. Whatever makeup the Mint settles on needs to both resist corrosion and be hard enough to survive decades of wear and tear. There's no chance the penny will be nixed, though making it is a money loser.
Regions Face Distinct Shortages: Salt and Water
-- From The Kiplinger Letter, Feb. 7, 2014With harsh winter weather in many places depleting supplies of rock salt, some states and cities are devising novel ways to use it more efficiently to melt ice on roads and bridges. Wis. is adding cheese brine to salt; N.J., pickle brine; N.D., beet juice; Tenn., potato juice...food by-products available from local processors. They bind to the salt, helping it stick better to road surfaces and promote melting. Keeping salt on the road longer stretches supplies, saving states and cities money.
Much of the West faces a very different worry: Drought and water shortages. Demand for new water wells is sure to surge, especially in parched regions of California and other hard-hit areas. Drillers there are already seeing increased orders, and forecasts for continued drought mean more folks will invest in new wells. Fears that local officials might limit future drilling to save groundwater only add urgency.
Sales will be strong for water-saving appliances…low-flow faucets, toilets, etc.
And water rates are bound to rise, to spur conservation and provide funds for new infrastructure. Northern California, in particular, will see a big push to raise funds for badly needed storage facilities that can bank water supplies during wet spells.
Coming: Direct 911 Calls from Hotel Rooms
-- From The Kiplinger Letter, Feb. 7, 2014On a fast track to happen this year: Direct dialing of 911 calls from hotels. Many phone systems require dialing 9 for an outside line, so you need to dial 9-911 to reach emergency dispatchers. The change is being driven by the story of a girl who tried to call 911 four times while her mother was being stabbed in a motel room. The calls didn't go through because she wasn't on an outside line. Her mother died.
The switch will be voluntary, but many hotels and offices will adopt it.
Crackdown Coming on Food Stamp Fraud
-- From The Kiplinger Letter, Feb. 7, 2014Cuts in the food stamp program won't mean less money for honest recipients. Instead, look for Uncle Sam to crack down on fraud: the trading of benefits, which now come loaded on swipe cards instead of actual stamps, for cash, not food. The feds see stepped-up enforcement as a way to offset $8 billion in nutrition aid cuts. U.S. investigators will use data from each card's magnetic strip to identify recipients and businesses involved in lump sum payouts or repeat visits for identical amounts.
Participants can be fined or kicked out for fraud. The fines go back into the program.
Obama's 'MyRA' Retirement Plan a Thin Option
-- From The Kiplinger Letter, Feb. 7, 2014President Obama's MyRA plans may coax more Americans to save, but they won't leave more folks in solid financial shape for retirement. The retirement accounts are designed to get people into the habit of saving regularly through payroll deductions. But the minimum amounts…$25 to start, $5 per payday… and the single investment choice, government securities, won't allow for hefty returns. Even investors with little money to invest can generate better returns on their own.
Still, MyRAs will be a good option for firms that don't offer retirement plans. They're a way to encourage risk free savings. Matching contributions aren't allowed. Contributions will come from after-tax dollars, but payouts are tax free in retirement.
The plans will pick up steam in 2015, after a limited pilot program this year.
Olympics to Tighten U.S.-Russian Security Ties
-- From The Kiplinger Letter, Jan. 31, 2014The Olympic Games in Sochi promise to unveil several new sports stars. But they'll also bring a new era of cooperation between Russia and the U.S. in the war on terrorism. Not since World War II will the world have seen a KGB offshoot and the CIA working together as closely as now to keep terrorists from upsetting events. Moreover, behind-the-scenes agreements to conduct mutual surveillance and share security-related intelligence will continue long after the games are over.
The partnership is especially bad news for anti-Russian militants in the Caucasus, including Chechnya. Till now, Washington has been reluctant to condemn outright independence-seeking Chechen rebels because of a Cold War bias against Moscow. But with Chechen militants threatening to disrupt the games, the U.S. is turning over a plethora of information about them to Russian authorities. Should Chechen terrorists carry out their threats and bring harm to athletes and spectators, whatever support Chechnya has in the West would quickly evaporate.
States To Take Lead in Policing Water Safety
-- From The Kiplinger Letter, Jan. 31, 2014State regulators will shine a bright light on possible water pollution risks in the wake of the chemical spill in W.Va. that shut down water supplies for 300,000 people and closed scores of businesses. As part of the coming scrutiny, environmental cops will conduct more inspections and test more samples than usual. Agencies overseeing heavy industry in the Ohio River Basin will be especially active.
Operators of drinking water systems are going on high alert, too. The spill in W.Va. was a strong reminder that many water sources are vulnerable to pollution from chemicals that aren't always strictly regulated. And many older water networks aren't designed to filter or detect certain chemicals that only recently came into use.
Makers of equipment for spotting contaminants can expect a bump in sales.
FDA Proposes More Transparent Nutrition Labels
-- From The Kiplinger Letter, Jan. 31, 2014Food processors face having to revamp nutrition labels on packaged food, once a new regulation calling for the first overhaul of labeling in 20 years takes effect sometime before Obama leaves office. The Food and Drug Admin. wants to make calorie and nutrition information on packages clearer, especially by serving size. It's also looking to make calorie totals and details about sodium and sugar content more prominent. The agency will likely stop short -- for now -- of requiring that the food industry put nutrition info on the front of packaging, as well as on the side or back, but it may leave the door open for doing so later. Nutrition experts want front-side labeling and some food makers already provide it.
Expanded Medicaid Program Expected to Hit More States
-- From The Kiplinger Letter, Jan. 31, 2014More states will be pressed to join the expanded Medicaid program in 2014. And more of them will receive waivers from Uncle Sam to add some flexibility, such as charging more for those who don't follow wellness plans or adding copayments for nonurgent trips to the emergency room. (But states don't have to participate.)
Likely to come on board this year: Maine, N.H., Pa., Va., Ind., Mo. and Utah, bringing the total to 33 states that will have opted in. Eventually, all but a handful will sign up after lobbying by hospitals, insurers, consumer advocates and physicians. Under Obamacare, the federal government picks up all of the costs through 2016. Then 95% until 2020, and 90% after that. The influx of federal money at $443.5 billion through 2019 is designed to provide Medicaid coverage for about 16 million people.
Keystone Pipeline System Will Likely Happen
-- From The Kiplinger Letter, Jan. 31, 2014The State Dept. will give a thumbs-up to the Keystone XL pipeline system within months, clearing the way for President Obama to grant final approval for its construction. The president knows he'll take some heat over his decision from environmentalists, but the pipeline has emerged as a cleaner and safer way than railcars to transport dirty oil extracted from tar sands. Recent train derailments involving oil shipments make the prospect of hauling more crude by rail unpalatable.
Once permits are issued, the pipeline will take about two years to build. Many pipe sections are already in place and welders, pipe fitters and other contractors are ready to start work. Building the system is expected to provide about 9,000 jobs.
What will Keystone mean for oil prices? Too early to say with any certainty.
Wedding Insurance Gains Popularity
-- From The Kiplinger Letter, Jan. 24, 2014Escalating wedding costs will convince more couples to insure their big day, with policies protecting against missing caterers, inclement weather and other snafus, though not no-shows at the altar. With the average wedding cost approaching $30,000, more couples, or their parents, will be seeking such protection.
Policies won't net insurers big profits -- premiums run $100 to a few thousand. But issuers hope newlyweds will come back for their other insurance needs.
Service from Middle East Airlines to Pressure U.S. Carriers
-- From The Kiplinger Letter, Jan. 24, 2014On the horizon: Less-costly international airfares and improved service. The spur: Competition from three big Middle East airlines: Emirates, Qatar Airways and Etihad Airways, all in the midst of a massive global expansion. Etihad will launch service to L.A. and Dallas this year; Qatar, to Philadelphia, Miami and Dallas. Emirates recently added Washington, D.C., and will soon serve Boston. Together they already serve eight U.S. cities and plan more frequent flights to them.
New, lavish Gulf airports are convenient hubs for flights to India and China. Plus the carriers are known for their friendly staff, gourmet food and good service.
The competition will sting U.S. carriers. Not only do the Middle East airlines have deep pockets, their labor costs are only about half the average for U.S. carriers, and their fleets, younger (an average of three years old vs. 14) and more fuel efficient.
More Evidence We'll Remain a Partisan Nation
-- From The Kiplinger Letter, Jan. 24, 2014Single-party domination will remain the norm in about two-thirds of states, even if, as expected, the numbers retreat a bit from a 60-year high. At the moment, one party controls the legislature and governor's office in 36 states. Republicans have the upper hand, holding the reins in 23 states heading into Nov. Though Pa. and a couple of other states are likely to return to divided government this year, a big change in the numbers isn't likely anytime soon. Expect the "out" party to go all out to gain a foothold before reapportionment following the 2020 Census.
Don't be misled by headlines about record numbers of independent voters. Most who apply that label to themselves still lean toward a particular party. The number of self-described indies changes depending on how the major parties are perceived at any given time. The current 42% figure hints at much discontent. But the number comprises 16% who say they are independent but lean GOP and another 16% who say they are independent but tilt toward the Democratic Party. That leaves about 10% of all voters who are truly up for grabs on Election Day.
Investigations of IRS Will Fizzle Out
-- From The Kiplinger Letter, Jan. 24, 2014Investigations into political favoritism by the IRS will end with a whimper: No smoking gun and no criminal charges from the Justice Department, and no House or Senate panel recommendations that can pass in a divided Congress.
That won't stop Republicans from trying to make an election issue out of it. The IRS did slow approvals for more conservative groups than liberal groups seeking status as tax exempt. But much of the backlog is gone, and most groups won the exemption that they sought. Now the tax agency must address another backlog…applications for tax exemptions from charities. They piled up as the federal tax agents focused on processing applications from the 501(c)(4) organizations that it had questioned.
More-Secure Credit Cards Coming to the U.S.
-- From The Kiplinger Letter, Jan. 24, 2014The shift to debit and credit cards with embedded chips will pick up steam in the coming months. This summer, consumers will start to receive cards with chips automatically, rather than only if requested. And many more termOnnals… ATMs and retail checkouts…will be compatible with EMV (the Europay, MasterCard, Visa standard for integrated chip cards). Recent data breaches at Target and others have given the move to the more secure technology new momentum. Plus retailers and banks are increasingly aware of the Oct. 2015 deadline for them to switch. After that, those that don't use EMV technology are liable for fraudulent charges.
Big companies that wait too long run some risks, finding themselves at the back of the line for testing and certification and open to attack while they wait.
Fuel Cell Cars to Debut in California Next Year
-- From The Kiplinger Letter, Jan. 17, 2014Autos powered by fuel cells will take a big leap forward next year. Toyota will begin offering a midsize fuel cell car that's capable of traveling 300 miles between hydrogen fill-ups, which the automaker reckons will take under five minutes. That could appeal to buyers leery of electric cars because they take so long to charge.
California figures to be the car's initial market because of the state's push to build dozens of new hydrogen refueling stations. No word yet on whether Toyota plans to lease or sell the vehicle, but either way the cost will be low enough to compete with mainstream electric models. An added feature: Toyota's fuel cell has the capability to serve as a backup electric generator that can power a typical home for up to a week.
Same-Day Shipping Basically a Non-Starter
-- From The Kiplinger Letter, Jan. 17, 2014Don't believe the hype over same-day delivery. Odds are it won't catch on, despite retail giant Amazon's plans to speed goods via small drone aircraft.
Delivering most goods the same day…either by drone or by more conventional means… is probably too expensive for all but luxury goods and the most critical shipments. Surveys show that cost conscious consumers are mostly satisfied with current options.
But speeding up supply chains will still be a top priority for retailers as Internet sales take off. Within 15 years, e-commerce will nab 30% of all retail sales, up from 6% now. The boom in shipping packages to customers' homes will force firms to relocate warehouses close to cities to trim shipping times and transportation costs.
Faster shipping means even bigger roles for automation and new tech: Robots that unload shipping containers. Tracking chips embedded right into goods. And more.


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Membership matters! Join the Bellevue Botanical Garden Society today! We are one of the few botanical gardens in the world with no visitor fee, and are open every day of the year. Come as often as you'd like and enjoy a wonderful living museum with a wide variety of gardens to explore. | ||||||||||||
Member Benefits
• Ten percent (10%) discount at The Click here to be taken to our secure site at to complete your credit card transaction. If you would prefer to mail in your check and membership information you can download and mail our Membership Form. |
Membership Levels The Garden is a part of the Bellevue Park Department, but public funds are not adequate for total maintenance and enhancement, so your membership dollars help provide the support needed. Interested in making a donation to the Bellevue Botanical Garden Society? In the few years since its beginning in 1992, the Garden has established a number of traditions such as an annual Mother's Day Social, musical events in the garden The Bellevue Botanical Garden Society also sponsors educational opportunities for both children and adults which provide information and experiences in a living laboratory.
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subset: commoncrawl


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Tuesday, March 11, 2014 | 9:45 p.m.
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Posted: 6:00 p.m. Wednesday, Sept. 19, 2012
Staff writer
State and federal efforts to make elections more accessible over the past decade have also made them considerably more expensive, a Dayton Daily News analysis of state records has found.
Since early voting in Ohio expanded in 2006, boards of election employees — including some salaried directors — have accumulated major overtime hours dealing with additional work leading up to Election Day. Also, citizens increasingly vote digitally, using expensive electronic equipment instead of paper ballots.
In 2008, the first presidential election year that offered both early voting and electronic voting machines, Ohio counties spent $122.4 million on elections, according to Ohio Secretary of State records. That's compared to the $67.3 million elections cost in 2004, the previous presidential election year.
Due to a decision from Ohio Secretary of State Jon Husted that will promote early voting statewide, some elections officials — including Husted himself — think costs may continue to rise this year.
"Unless we want to scale back the conveniences provided to voters in making it more convenient to vote, we're going to have to bear those costs, and we can only expect those costs to continue to increase," Husted said.
While Husted last month attempted to end weekend voting, he also ordered boards of election stay open until 7 p.m. on certain weekdays leading up to the election. Many counties, particularly rural ones, had not planned on any extended office hours.
Husted's office also spent $1.4 million to send out out 6 million envelopes containing absentee ballot applications to registered voters across the state. Another mailing is expected to go out in October. Husted aims to help reduce the Election Day rush by encouraging Ohioans to vote early.
As of last Friday, Ohioans had sent back 475,000 absentee ballot requests, according to Husted's office.
Aaron Ockerman, executive director of the Ohio Elections Officials Association, said the financial impact of the mass-mailing is an unknown.
"The new factor we're all trying to get our hands around is this statewide absentee mailing," Ockerman said. "The counties that have done it have said you can save some money by consolidating precincts (due to shorter lines on Election Day). But if you think about it, getting 20,000 pieces of mail or whatever, that takes a long time for someone just to open all that mail."
Greene County performed its first county-wide absentee ballot application mailing in 2008, said deputy elections director Llyn McCoy. About one-fourth of Greene County's 105,000 registered voters ended up voting early, 16,000 by mail.
"Here, it takes two employees all day just to open the mail," McCoy said. "So these smaller counties where they have only a few employees … they're not going to have the same volume of votes, but they're probably going to have to bring people in just to do those kinds of things."
Miami County elections director Steve Quillen said he's hired four extra people to help handle mail ballot applications. But he's been surprised to find so far that volume hasn't been as high as he'd feared.
"It's a little slim right now, but it's basic human nature that everybody waits until the last possible minute. So I could get killed in the last couple weeks before the election," Quillen said.
OT, voting machines
One of the largest factors for the increase in election costs is the advent of early voting. The Obama campaign heavily promoted early voting in 2008, leading to long lines at elections offices in some counties in the weeks before the election. It also led to spikes in overtime for elections workers, particularly in more populous areas.
Large overtime bills for elections directors in two southwest Ohio counties – Montgomery and Butler – led officials there to end the practice of paying directors extra for work beyond 40 hours a week.
Overtime spending in Montgomery County for elections workers increased from $171,000 in 2004 to $593,000 in 2008, according to county records. That included $74,000 in overtime split between co-directors Steve Harsman and Betty Smith, salaried employees who received overtime for the first time that year. The extra overtime bumped Harsman's total 2008 compensation to $134,000 and Smith's to $132,000.
In 2010, overtime in Montgomery decreased to $194,000, but Harsman and Smith worked similar overtime hours, taking home $130,000 and $127,000, respectively.
In Butler County, overtime spending increased from $95,000 in 2004 to $385,000 in 2008. Then-elections director Betty McGary received $23,000 in overtime, while deputy director Lynn Kinkaid made $16,000. With the overtime, McGary made about $107,000 that year and Kinkaid $100,000. Neither received overtime pay in 2010.
Elections officials say early voting in the three days immediately before the election contributed to much of the overtime. Elections workers must update voter rolls each night to reflect who has voted and who hasn't. In 2008, that resulted in employees in some counties working 30 or 40 hours in a row, elections officials said.
"Our director and deputy director went days without even going home," Montgomery County Board of Elections member Greg Gantt said of the 2008 election. "We actually brought in cots in the basement and have showers down there, too."
The Montgomery County Board of Elections voted in 2008 to grant its directors overtime in even years, Gantt said. This year, the elections board voted to end overtime for co-directors, but increased their base pay to $116,000. They also will receive 40 extra hours of comp time.
Gantt said the previously granted overtime was meant to compensate directors for their increased workload, but costs increased more than had been anticipated.
In Butler County, that included $108,000 in overtime the weekend before the election alone, said Kinkaid.
"We had people working around the clock," he said.
Husted, a Republican, last month attempted to end voting on the Saturday, Sunday and Monday before the election, as well as put an end to all weekend early voting statewide. A federal judge, ruling on a lawsuit from the Obama campaign, subsequently reinstated voting in the final days before the election.
Democrats estimated that 93,000 Ohio voters cast ballots during the three days before the 2008 presidential election. Several studies found those voters were more likely to be African-American or earn lower incomes — groups that often vote for Democrats.
Ellis Jacobs, a longtime voting rights activist, said offering the public the opporutnity to vote in the waning days of election season is important, even if it's expensive. He said polls have shown it's also popular.
"The weekend before the election is the weekend when people have the most information about the issues and candidates, and they feel the most comfortable with and capable of voting," Jacobs said. "The fact that so many people take advantage of it should be a signal to us that it's worth the cost."
The other main reason for the growing costs of elections is voting machines. The federal government between 2003 and 2007 spent $1.2 billion on voting machines, according to McClatchy Newspapers. Ohio counties spent millions more. The upgrades were in part a response to controversy over the contested 2000 presidential elections that coined the term "hanging chads" of Florida.
But voting machines aren't just one-time costs. They require software updates, maintenance and regular calibration. Over the next few election cycles, the machines will need to be replaced. And licensing fees that had been locked in at a discount for five years will increase next year.
Other factors making elections costlier include the increase in minimum wage and post-election audits that settled one of many lawsuits over the voting process in Ohio.
This year's tab
It won't be clear how much this year's election will cost until the smoke clears. Some large counties that beefed up their elections budgets in 2008 are budgeting that costs actually will go down this year. Technological advances and lessons learned from 2008 also will allow fewer workers to do more work, officials said.
Butler County commissioners earlier this year allocated another $1 million toward election costs, bringing their total budget to $3.7 million for the year. That's still less than the $4.4 million the county spent in 2008.
"We think the cost will be less (this year, compared to 2008)," said Kinkaid, Butler County's elections director. "Or at least we're certainly hoping it will."
Montgomery County has budgeted $3.3 million for this year's election, compared to $4.7 million in 2008.
Harsman said the lessons of 2008 have helped the elections board make adjustments for a more efficient operation. He said Montgomery County still runs elections at a cheaper cost per voter than other metropolitan counties in Ohio.
But due to the hotly contested nature of Ohio's elections, complete with multiple pending lawsuits and legal challenges, expensive changes are still possible. For instance, the Ohio Supreme Court recently ordered additional ballot language for State Issue 2.
The resulting lengthier language will mean thousands of ballots in Montgomery County will be three pages rather than two, Harsman said. Plus, voting equipment must now be reprogrammed with the new language.
"One decision in changing language … means $100,000 to $125,000 in additional costs," Harsman said.
We reviewed a decade's worth of financial information for counties across the state and interviewed elections officials and other experts as part of our research for this story. This is part of our ongoing efforts to cover all angles of this year's election, and to explain to our readers what their tax dollars are paying for.
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Ferret Hanging Play Tunnel
A play time accessory for guinea pigs and ferrets. Provides critters with a comfortable spot to snuggle and nap after fun and play. Machine washable. Includes four strong clips for easy attachment. Soft Cotton Fabric. 15.5 L X 4.5 W
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FOLKSTON, Ga. (AP) - The Okefenokee National Wildlife Refuge is offering weekend tours of its new Chesser Island boardwalk in December.
The boardwalk, which stretches ¾ of a mile, just reopened in late November. It had to be rebuilt after being destroyed by the Honey Prairie Fire, a vast wildfire that burned more than 430 square miles of the swamp over the course of nearly a full year from April 2011 until 2012.
Rangers at the refuge will offer one-hour guided walks of the new boardwalk on Saturdays from Dec. 7 through Dec. 21.
Visitors will hear about the plants and animals inhabiting the Okefenokee and their role in the swamp's ecosystem.
The Okefenokee refuge covers roughly 625 square miles straddling the Georgia-Florida state line.
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Meet our Funky Friends Ollie Owl, Tilly Turtle, Clive Croc, Evie Elephant, Gloria Gecko & Chester Cat. These friends are fab, funky and fresh and are great for baby's visual stimulation.
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Had previously bought this in 0-6month size but like it so much bought the next size up now my baby is growing. Good for hot summer night but also using it for daytime naps so its getting lots of wear. Feels Thinner than other 1tog bags but very useful
A nice sleeping bag for spring/autumn weather.
Nice sleep bag , our daughter loves the colours , nice quality
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On August 21, you'll finally be able to get your hands on the NHL 13 demo available for download on Xbox Live and PlayStation Network.
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Catch a glimpse of the NHL 13 Community Day / First Look event that took place in Vancouver Monday, May 28th, 2012.
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EA SPORTS NHL 13 - The Next Gameplay Revolution Is Coming ...
It all started with the Skill Stick in NHL 07...the next gameplay revolution is coming! Watch the new NHL13 Teaser.
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16 Players Advance in EA SPORTS NHL 13 Cover Vote Campaign
Sponsored by BlackBerry, 10 million fan votes cast to-date in the first ever EA SPORTS NHL Cover Athlete Campaign.
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EA SPORTS Takes Home Two Canadian Videogame Awards
The fans voted and EA SPORTS was the big winner on Saturday night at the 2012 Canadian Videogame Awards.
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The field has been narrowed from 60 players down to 32 – one for each team and two wild card selections! Vote now for the players you want to see in the top 16!
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EA SPORTS and NHL.com Launch NHL 13 Cover Vote
Sponsored by BlackBerry, Cover Athlete Decided By Fan Vote for the First Time Ever in the History of the EA SPORTS NHL Series
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New York Fed Schedules May 14 Release for Q1 2013 Household Debt and Credit Report |
May 7, 2013
NEW YORK—The Federal Reserve Bank of New York will release its Q1 2013 Household Debt and Credit Report Tuesday, May 14 at 11:00 a.m. The report will be available under embargo earlier that day at 8:00 a.m. The Quarterly Report provides an updated snapshot of household trends in borrowing and indebtedness, including data about mortgages, student loans, credit cards, auto loans and delinquencies. To request a copy of the report under embargo, contact Matthew Ward at firstname.lastname@example.com or 212-720-6885. |


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Lanolips™ 101 Ointment awarded 'Best Lip Balm' by InStyle Magazine. A magical multipurpose & Ultra Pure Grade lanolin ointment. This ointment is very rich & thick. Lanolips™ - Discover Nature's Wonder Moisturiser.
£11.22 or 1,122 points
Collect 44 points with this purchase
15 G | £7.48 per 10G
Rediscover the magic of lanolin in this heavy-duty, 100% natural ointment like no other. Lanolips 101 Ointment is the purest of pure wonder ointment, made with Lanolips' exclusive 100% Ultra Pure Grade Lanolin.
Luxuriously creamy Lanolips 101 Ointment contains 100% pure Ultra Medical Grade Lanolin which literally melts between your fingers. This magical multi-purpose product has multiple uses such as extremely chapped lips, dry cuticles, dry, itchy skin, dry nasal passages and more. Suitable for even the most sensitive skin.
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Warm Lanolips 101 Ointment between fingers or apply directly on to your lips. Use generously.
Lanolin, lanolin oil.
The item can be delivered to all addresses within the UK. Northern Ireland and to BFPO addresses.
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Collect from store | £1.95 or free when you spend over £20* | Pick up in store is available from 2300 Boots stores across the UK. If you place your order by 2pm it will be available to pick up after 2pm the following day (some exclusions apply) Our pick up next day service is available in 2300 stores. *Free delivery on orders over £20 in a single transaction excluding gift boxing, infant formula, other shops and Boots services (insurance and opticians). |
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Federal Direct Unsubsidized Stafford Loans
A Federal Direct Unsubsidized Stafford Loan is not based on financial need. It is available to you if you have not reached your annual maximum loan limit combined with your Federal Direct Subsidized Stafford Loan eligibility.
The interest rate for federal Unsubsidized Stafford Loans is variable and changes every July 1st. There is also an origination fee that will be deducted before the loan proceeds are sent to the school.
The interest on an Unsubsidized Stafford Loan is the student's responsibility from the time the loan funds are sent to the university until it is paid in full. The student can opt to allow the interest to accumulate; however, it will be added to the principal amount of the loan and increase the amount to be repaid. It is recommended that the student contact the lender to make quarterly payments on the interest.
Application Priority Processing Dates
Priority Processing |
Summer 13 | Fall 13 Only | Fall 13/ Spring 14 | Spring 14 Only | Summer 14 |
MPN and Entrance Counseling received by the following dates: | April 19, 2013 | June 28, 2013 | June 28, 2013 | Dec. 13, 2013 | May 2, 2014 |
Final Application Deadline Dates
Loan applications submitted after the priority deadline dates will be processed throughout the semester; however,
Final Deadlines |
Summer 13 | Fall 13 Only | Fall 13/ Spring 14 | Spring 14 Only | Summer 14 |
Last day to submit a MPN and Entrance Counseling: | June 28, 2013 | Dec. 13, 2013 | May 2, 2014 | May 2, 2014 | June 27, 2014 |
Stafford Loan Eligibility Requirements
- The student must be meeting Satisfactory Academic Progress (SAP) standards
- The student must be enrolled for at least six credits each semester
- A current year FAFSA application is required
- If the FAFSA application is selected for verification, all required documents must be submitted and reviewed before the loan can be processed
Apply for a Federal Direct Unsubsidized Stafford Loan
In order to be eligible to apply for a Federal Direct Subsidized Stafford Loan, you must complete the FAFSA and be enrolled for at least six credits by the add/drop deadline each semester. If you are eligible for a Federal Direct Unubsidized Stafford Loan, it will be included in your financial aid award package.
In order to receive a Federal Direct Unsubsidized Stafford Loan, you must complete a Master Promissory Note (MPN) and Entrance Counseling before the loan funds will be disbursed. In most cases, you will only be required to complete these items once during your college career.
The Stafford loan process is a two-step process:
Step 1- Complete a Federal Direct Stafford Loan Master Promissory Note
Step 2- Complete the Stafford Loan Entrance Counseling
Reduce or Cancel a Federal Direct Unsubsidized Stafford Loan
If you would like to reduce or cancel this loan, you must inform our office by completing the Loan Decrease/Cancel Request Form, also located on our Web site under forms. Please submit this form to our office for processing well before your funds are set to disburse to your billing account in order to avoid complications with the return of these funds.


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We've selected the best candid trip photos submitted by our users to help you decide if the Great Ocean Road Small Group Eco Tour from Melbourne is right for you. Make the most of your next trip to Melbourne with Viator's exclusive Photo Galleries.
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Stopping for a walk thru the Otway National Park rainforest!! It felt very primordial, and I was waiting for the dinosaur to walk through the brush, Lovely stop along the Great Ocean Road!


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Domestic partners head to court for health benefits
Five gay and lesbian couples head to federal court in Detroit on Tuesday. They're fighting to win back health coverage for domestic partners of public employees.
One of the couples is Peter Ways and his partner, Joe Breakey. Peter works for the Ann Arbor school district, which like other local public employers, isn't allowed to cover the domestic partners of their staff.
That's thanks to a recent state law. Proponents say the law could save the state several million dollars each year. But the ACLU says it's unconstitutional.
John Knight is an attorney representing the five couples. "They have effectively singled out same-sex couples and said no, you can't get them. We're gonna both tell you you can't marry, and we're gonna go even further and say you can't get even these basic benefits."
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Originally Published: February 02, 2014 3:01 AM Modified: February 03, 2014 2:00 PM
4 years after 'tough nerd' ad, Snyder returns in Super Bowl spot as 'comeback kid'By Chris Gautz
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Four years after he was introduced to the state as "one tough nerd" in a commercial during the 2010 Super Bowl, Gov. Rick Snyder returns with another ad during tonight's big game portraying himself as "the comeback kid." The ad was produced by Hollywood, Calif.-based Strategic Perception Inc., which also produced the 2010 "one tough nerd" Super Bowl ad. The campaign has spent more than $500,000 to air the commercial across the state during the game. Subscribe to Crain's Detroit Business
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A free world-class appliance repair website for everyone.Connect with appliance repair technicians from the U.S. and Canada.Download free service manuals, wiring diagrams, tech sheets and more.
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Toni Braxton's Son Appears in Lifetime Movie with Her
NEW YORK (AP) - Toni Braxton's autistic son will make his acting debut at her side.
They both appear in the Lifetime movie "Twist of Faith," which debuts Saturday.
Braxton says her 9-year-old son, Diezel, was supposed to play her son, but by the time the shooting schedule was worked out, school had started. Braxton thought it would be too much for Diezel to do the movie and go to school, so he took on a smaller role.
Braxton says he was a little disappointed at first, but now he's happy how it turned out.


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April 12 - U.S. Secretary of State John Kerry tells a news conference that the United States will not accept a nuclear armed North Korea, adding that the North Korean leader needs to understand ''what the outcome of the conflict would be''. Rough Cut (no reporter narration). ( Transcript )
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Roche: Impact Of Rituxan Patent Expiration In EuropePharma Reports • Oct. 21, 2013
Roche Earnings Preview: What We Are WatchingTrefis • Apr. 9, 2013
Roche Holdings: New Drugs Drive Oncology Unit's GrowthTrefis • Mar. 15, 2013
Roche, Genentech And The Cancer Drug BillionairesPeter Geschek • Feb. 28, 2013
Roche Holding: Revised $58 Price Estimate On Strong PipelineTrefis • Feb. 14, 2013
Buy Roche Ahead Of ESMOPharma Intelligence • Sep. 25, 2012
Steady As She Goes For RocheStephen Simpson, CFA • Apr. 12, 2012
Roche Scores Important Win With ActemraEP Vantage • Mar. 4, 2012
Prothena's Early-Stage Assets Hold Exciting PotentialStephen Simpson, CFA • Yesterday, 6:03 PM
Roche Holding AG - Special CallOct. 2, 2012
Roche Holding AG - Analyst/Investor DaySep. 5, 2012
Roche Analyst Day Conference Call TranscriptSep. 21, 2011
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Headquartered in Basel, Switzerland, Roche is a leader in research-focused healthcare with combined strengths in pharmaceuticals and diagnostics. Roche is the world's largest biotech company, with truly differentiated medicines in oncology, infectious diseases, inflammation, metabolism and... More
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Tuesday, Mar 119:23 AM
- Bayer (BAYRY) signs multi-year extension with Roche's (RHHBY) Ventana Medical Systems to develop companion diagnostics focused on immunohistochemistry.
- The agreement focuses on the development of diagnostic tests for Bayer's biomarker-targeted therapeutics.
- Ventana will create an expert team with resources exclusively designated for Bayer.
- Financial terms are undisclosed.
Tuesday, Mar 119:23 AM| Comment! -
Monday, Mar 1010:00 AM
- The WSJ profiles "pharmaceutical scouts," who, like talent-spotters in baseball "trying to pick tomorrow's big-leaguers from farm teams," search outside their companies to find drug candidates that have the potential to become blockbusters.
- In 2011, for instance, Johnson & Johnson's (JNJ) Peter Lebowitz helped his company beat competitors such as Novartis (NVS) to buy the rights to a blood-cancer drug from Pharmacyclics (PCYC) called Imbruvica.
- The treatment was eventually approved in November for a rare lymphoma and for chronic lymphocytic leukemia in February. J.P. Morgan forecasts Imbruvica will generate $1.3B in revenue for J&J in 2017.
- Half of J&J's drug pipeline is from outside the company, up from 20% in 2002.
- Other related tickers: MRK, RHHBY, BMY, SNY, CELG, GSK
Monday, Mar 1010:00 AM| 1 Comment -
Wednesday, Mar 59:40 AM
- Roche's (RHHBY) Lebrikizumab injection significantly lowered the rate of asthma attacks and improved lung function in a Phase IIb trial of patients with a severe form of the condition.
- In subjects with high levels of periostin, a protein that indicates a certain type of asthma and can be detected with a simple blood test, Lebrikizumab cut asthma attacks by 60% vs 5% for patients with a low level of the biomarker.
- Roche has already started two Phase III studies of Lebrikizumab and plans to file for authorization in 2016. The company has identified it as a potential blockbuster. (PR)
Wednesday, Mar 59:40 AM| Comment! -
Wednesday, Mar 57:26 AM
- The Italian Competition Authority has fined Novartis (NVS) €92M and Roche (RHHBY) €90.5M for forming a cartel to push doctors to prescribe their jointly marketed and more expensive Lucentis therapy to treat vision problems instead of Roche's Avastin, which is older and far cheaper.
- The agency accused the companies of portraying Avastin as riskier than Lucentis in order to influence prescriptions.
- Both firms said they would appeal.
- Novartis and Roche could face further problems if the EU looks into the case and finds that the collusion extended beyond Italy.
Wednesday, Mar 57:26 AM| 1 Comment -
Tuesday, Mar 48:21 AM
- New Roche (RHHBF) Chairman Christoph Franz promises continuity after shareholders overwhelmingly approve his appointment.
- "This company is on track and therefore continuity is the order of the day," Franz says.
- Roche has a number of high-margin new cancer drugs and healthy profits, although it's struggling to reduce its reliance on oncology following setbacks with treatments for diabetes, "good" cholesterol and schizophrenia.
- Former CEO and outgoing Chairman Franz Humer says the firm will look at acquisitions, with the company having more strategic flexibility after accumulating cash - it generated 16.4B Swiss francs ($18.6B) in free-cash flow last year.
Tuesday, Mar 48:21 AM| Comment! -
Monday, Mar 33:30 AM
- An independent committee has recommended that Roche (RHHBY) end a Phase III trial of its MetMab (Onartuzumab) lung-cancer treatment, as the drug didn't show "clinically meaningful efficacy."
- The aim of the study was to assess whether Onartuzumab, when given with the oral therapy Tarceva, helped previously treated patients live longer compared with those who just received Tarceva.
- Analysts had viewed MetMab as a potential blockbuster and Roche is analyzing what the setback means for the drug's development.
- Shares are -1.7% in Zurich. (PR)
Monday, Mar 33:30 AM| Comment! -
Thursday, Feb 2010:03 AM
- Roche (RHHBF) and a group of external investigators could share raw data from two trial's of the company's Avastin drug that provide conflicting evidence about how beneficial it is for patients with a brain cancer called glioblastoma.
- Avastin didn't help patients live longer in either study, but in one of them, it does seem to have improved or maintained quality of life and brain function. That wasn't the case in the other trial.
- If Avastin can improve quality of life and brain function, says Howard Fine of the New York University Cancer Institute, "a strong argument can be made for its use as part of the initial treatment of glioblastoma, regardless of its effect on survival."
- However, such considerations would be new ground for the FDA, says Fine.
Thursday, Feb 2010:03 AM| 1 Comment -
Tuesday, Feb 48:28 AM
- Ten major pharmaceuticals companies are getting together with the National Institutes of Health and other organizations in a five-year partnership that will look to understand the science behind Alzheimer's, Type 2 diabetes, rheumatoid arthritis and lupus.
- In an unusual move, the normally secretive participants will share scientists, tissue, blood samples and data, with the aim being to identify targets for new drugs.
- The firms involved include Bristol-Myers Squibb (BMY), Johnson & Johnson (JNJ), GlaxoSmithKline (GSK), Takeda (TKPHF) and Sanofi (SNY).
- Those that haven't joined include Amgen (AMGN), Roche (RHHBY) and AstraZeneca (AZN).
Tuesday, Feb 48:28 AM| 4 Comments -
Monday, Feb 311:59 AM
- PDL BioPharma (PDLI -1.9%) says it reached agreement with Genentech and Roche (RHHBF, RHHBY) which resolves all outstanding legal disputes between the parties, including Nevada litigation and arbitration proceedings related to the audit of royalties on sales.
- Genentech will pay a fixed royalty rate of 2.125% on worldwide sales of Avastin, Herceptin, Lucentis Xolair, Kadcyla and Perjeta, rather than the previous tiered royalty rate in the U.S and the fixed rate on all ex-U.S. based manufactured and sold licensed products.
Monday, Feb 311:59 AM| 3 Comments -
Thursday, Jan 302:17 AM
- Roche's (RHHBF) 2013 net profit rose 18% to 11.4B Swiss francs ($12.7B), missing expectations of 11.62B francs.
- Core EPS +10% to 14.27 francs, falling short of consensus of 14.78 francs.
- Sales +3% to 46.8B francs topping estimates of 46.7B francs.
- Earnings were boosted by sales of Roche's oncology, immunology and ophthalmology products, as well as of its diagnostic offerings.
- Roche plans to increase its dividend by 6% to 7.80 francs a share.
- Roche forecasts that 2014 revenue will rise by a low- to mid-single-digit percentage at constant currencies and that core EPS will grow at a faster rate, with earnings boosted by sales of its biggest cancer drugs and new products. Kadcyla (breast cancer) and Gazyva (leukemia) were authorized in the U.S. last year. (PR)
Thursday, Jan 302:17 AM| Comment! -
Tuesday, Jan 217:00 AM
- Roche's (RHHBY) Bitopertin treatment for schizophrenia fell short of its main targets in two Phase III studies
- In combination with antipsychotic therapy, Bitopertin didn't significantly improve the negative symptoms of schizophrenia after 24 weeks of treatment compared with a placebo.
- Roche is continuing to carry out another Phase III study of Bitopertin for schizophrenia, and late-stage trials to assess its effect on symptoms such as hallucinations and delusions.
- The results are a particular blow, as Roche has increased its investment in neuroscience in recent years as it looks to expand beyond it core expertise of oncology.
- Shares are +0.1% in Zurich. (PR)
Tuesday, Jan 217:00 AM| Comment! -
Monday, Dec 232013, 6:05 PM
- Carlyle Group (CG) appears to be the leader to acquire Johnson & Johnson's (JNJ) clinical diagnostics unit, beating out P-E peer Blackstone (BX) and its partner Danaher (DHR), Reuters reports.
- The exact price of CG's offer is not known, but a deal likely would fetch ~$4B and could be completed within the next two weeks.
- JNJ's ortho clinical diagnostics unit makes blood-screening equipment and laboratory blood tests; it's a small player in a market led by Roche (RHHBY, RHHBF), Siemens (SI), Abbott Labs (ABT) and DHR.
Monday, Dec 232013, 6:05 PM| Comment! -
Monday, Dec 92013, 12:22 PM
- Roche (RHHBY -0.8%) says Phase 3 data from a study of GA101 in CLL show patients "experienced nearly a year of extra remission time when treated with GA101 in combination with chlorambucil, compared with MabThera and chlorambucil."
- Median PFS: 26.7 months versus 15.2 months; HR=0.39.
- CR rate: 21% for GA101/chlorambucil versus 7% for MabThera/chlorambucil.
- The company calls the results "unprecedented": "For the first time in a first-line Phase 3 CLL study, we have seen a therapy that shows superior efficacy over MabThera," Roche says. (PR)
Monday, Dec 92013, 12:22 PM| Comment! -
Friday, Dec 62013, 4:34 AM
- The annual American Society of Hematology meeting is due to start today in New Orleans, where new treatments for chronic lymphocytic leukemia from Gilead Sciences (GILD), Pharmacyclics Inc. (PCYC), Infinity Pharmaceuticals (INFI), Roche (RHHBY) and others will be a focus.
- Analysts forecast that the drugs will collectively generate up to $9B a year in annual revenue by 2020.
Friday, Dec 62013, 4:34 AM| Comment! -
Wednesday, Nov 272013, 9:38 AM
- Alimera Sciences (ALIM +4.1%) adds to Tuesday's gains as investors cheer final guidance from NICE on Iluvien.
- The move represents a change of heart for NICE — the cost gatekeeper did not recommend NHS support for the DME treatment at its tech appraisal in January.
- In other NICE news, Lucentis (RHHBY, NVS, PDLI) gets a positive recommendation for the treatment of choroidal neovascularisation in people who also have pathological myopia.
Wednesday, Nov 272013, 9:38 AM| Comment! - Alimera Sciences (ALIM +4.1%) adds to Tuesday's gains as investors cheer final guidance from NICE on Iluvien.
Monday, Nov 252013, 3:15 AM
- Voters in Switzerland - home to at least five of Europe's 20 best-paid CEOs - have rejected a proposal by a margin of around 2-1 to cap the salary of company bosses at 12 times that of their lowest-paid staff.
- Firms that would have been affected by a yes vote include UBS (UBS), Credit Suisse (CS), Roche (RHHBY), Novartis (NVS), ABB (ABB), Glencore Xstrata (GLCNF) and Nestle (NSRGY).
- The referendum came after the Swiss electorate approved a proposal in March to give shareholders a binding vote on the pay of senior managers.
- ETFs: EWL, FSZ
Monday, Nov 252013, 3:15 AM| Comment!
Rod Raynovich:
Rayno Biopharmaceutical Stocks Soar In January: ALXN, BIIB, PCYC Beat Indices $IBB, $RHHBY http://seekingalpha.com/p/1kkkp - View all 0 replies
Rod Raynovich:
Rayno Life Science Stocks Rally: ALXN, BIIB, GILD, REGN, RHHBY( New) $CSII, $IBB, $RHHBY http://seekingalpha.com/p/1kcsz - View all 0 replies
The Outsider:
Roche Hikes Dividend By 6%, Remains A Safe Yield Play $RHHBY http://seekingalpha.com/a/16gg7 - View all 0 replies
Long Term Bio:
OncoSec Medical: The Game Changer In The Biotech Industry $BMY, $MRK, $RHHBY http://seekingalpha.com/p/1hzc1 - View all 0 replies
Martin Bauer:
$RHHBY Can someone explain the rationale behind the acquistion of Constitution Medical? http://bloom.bg/18qbv9j - View all 0 replies
Justin M. Hall:
(NVS), (PFE), (RHHBY), (SNY): Big Pharma's Big Patent Expiration Problem = http://bit.ly/dZ6VBl - View all 0 replies
Alex B. Gray:
Roche Holding $RHHBY announces a conference call will take place October 22, 2010 at 4AM EDT to discuss results. - View all 0 replies
Alex B. Gray:
Roche RHHBY reports positive data for Avastin in ovarian cancer and T-DM1 in breast cancer. - View all 0 replies
Alex B. Gray:
Roche $RHHBY enters research collaboration with the German Cancer Research Center to better predict a woman's risk of cervical cancer. - View all 0 replies


text:
©2014 The Dallas Morning News Inc. All Rights Reserved.
Most Discussed:
- Purple Cow's only remaining D-FW restaurant is now closed - Posted: March 7, 2014
- Bruce Springsteen will play massive, free show in Dallas on Final Four weekend - Posted: March 4, 2014
- 15 hilariously-named beers at Fort Worth's Untapped festival - Posted: March 5, 2014
Latest Stories:
- During Tuesday night's strong cold front, you won't see any rain
- Remember the Bud Light Hotel in Dallas at Super Bowl? It's back for Final Four
- "Subway Guy" Jared Fogle wants to meet you March 22 at Traders Village
- Video: See what happens when 20 strangers kiss for the first time
Latest Comments:
Purple Cow's only remaining D-FW restaurant is now closed
ellis, Bell explained to me that if she wanted to keep Purple Cows open, and even think about expanding, it was going to be a big commitment
Purple Cow's only remaining D-FW restaurant is now closed
"If this is something I want to do, this is the rest of my life," Bell says as she reflected on the decision.
Huh? This sentence doesn't ma
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Ford, Mercedes-Benz, and Nissan target 2017 for fuel cell vehicles
It must be a new season of sharing as major automakers sign agreements to co-develop fuel cell technology. Last week Toyota and BMW said they would work together on a fuel cell system, while today Ford, Daimler, and Renault-Nissan announced they would pool research into fuel cell technology. In their joint press release, Ford, Daimler, and Renault-Nissan said they would produce fuel cell vehicles in 2017.
All of these companies have been working on the technology, and some have demonstrated prototype vehicles. Mercedes-Benz, part of Daimler, has been testing multiple generations of its F-Cell fuel cell vehicle, and currently runs … Read more


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text:
02 Dec 2012 | #1 |
| Windows is not a genuine copy (Build 7601) Hey guys, My computer was store bought with a pre-installed windows 7, after a malfunction with a system restore i had to use a windows 7 proffessional edition to get the computer back online, however... As i only used the disk to repair previous files, it told me i need an activation key. I didnt use the activation key off the disk as it was a friends and only used it to repair the files, i still havea folder on the computer called "Windows.old" is there someway i can take that windows back onto the computer or use the preinstalled and activated windows key from the home version that it came with? |
My System Specs |
. |
02 Dec 2012 | #2 |
| To properly analyse and solve problems with Activation and Validation, we need to see a full copy of the report produced by the MGADiag tool (download and save to desktop - http://go.microsoft.com/fwlink/?linkid=52012 ) Once saved, run the tool. Click on the Continue button, which will produce the report. To copy the report to your response, click on the Copy button in the tool (ignore any error messages at this point), and then paste (using either r-click/Paste, or Ctrl+V ) into your response. - **in your own thread**, please Please also state the Version and Edition of Windows quoted on your COA sticker (if you have one) on the case of your machine (or inside the battery compartment), but do NOT quote the Key on the sticker! How to Tell |
My System Specs |
02 Dec 2012 | #3 |
| Diagnostic Report (1.9.0027.0): ----------------------------------------- Windows Validation Data--> Validation Code: 50 Cached Online Validation Code: 0x0 Windows Product Key: *****-*****-CM74G-RPHKF-PW487 Windows Product Key Hash: 71BRYMECVaSXedfumfu8zryHJVY= Windows Product ID: 00371-177-0000061-85154 Windows Product ID Type: 5 Windows License Type: Retail Windows OS version: 6.1.7601.2.00010100.1.0.048 ID: {3CA7CC98-E9FA-4AD0-946F-D48B0C689783}(3) Is Admin: Yes TestCab: 0x0 LegitcheckControl ActiveX: N/A, hr = 0x80070002 Signed By: N/A, hr = 0x80070002 Product Name: Windows 7 Professional Architecture: 0x00000000 Build lab: 7601.win7sp1_gdr.120830-0333 TTS Error: Validation Diagnostic: Resolution Status: N/A Vista WgaER Data--> ThreatID(s): N/A, hr = 0x80070002 Version: N/A, hr = 0x80070002 Windows XP Notifications Data--> Cached Result: N/A, hr = 0x80070002 File Exists: No Version: N/A, hr = 0x80070002 WgaTray.exe Signed By: N/A, hr = 0x80070002 WgaLogon.dll Signed By: N/A, hr = 0x80070002 OGA Notifications Data--> Cached Result: N/A, hr = 0x80070002 Version: N/A, hr = 0x80070002 OGAExec.exe Signed By: N/A, hr = 0x80070002 OGAAddin.dll Signed By: N/A, hr = 0x80070002 OGA Data--> Office Status: 109 N/A OGA Version: N/A, 0x80070002 Signed By: N/A, hr = 0x80070002 Office Diagnostics: 025D1FF3-364-80041010_025D1FF3-229-80041010_025D1FF3-230-1_025D1FF3-517-80040154_025D1FF3-237-80040154_025D1FF3-238-2_025D1FF3-244-80070002_025D1FF3-258-3 Browser Data--> Proxy settings: N/A User Agent: Mozilla/4.0 (compatible; MSIE 8.0; Win32) Default Browser: C:\Program Files\Internet Explorer\iexplore.exe Download signed ActiveX controls: Prompt Download unsigned ActiveX controls: Disabled Run ActiveX controls and plug-ins: Allowed Initialize and script ActiveX controls not marked as safe: Disabled Allow scripting of Internet Explorer Webbrowser control: Disabled Active scripting: Allowed Script ActiveX controls marked as safe for scripting: Allowed File Scan Data--> Other data--> Office Details: <GenuineResults><MachineData><UGUID>{3CA7CC98-E9FA-4AD0-946F-D48B0C689783}</UGUID><Version>1.9.0027.0</Version><OS>6.1.7601.2.00010100.1.0.048</OS><Architecture>x32</Architecture><PKey>*****-*****-*****-*****-PW487</PKey><PID>00371-177-0000061-85154</PID><PIDType>5</PIDType><SID>S-1-5-21-3184845275-1464872460-1495362592</SID><SYSTEM><Manufacturer>eMachines </Manufacturer><Model>eME640 </Model></SYSTEM><BIOS><Manufacturer>eMachines </Manufacturer><Version>V1.05</Version><SMBIOSVersion major="2" minor="6"/><Date>20100511000000.000000+000</Date></BIOS><HWID>264D3807018400F2</HWID><UserLCID>0809</UserLCID><SystemLCID>0409</SystemLCID><TimeZone>GMT Standard Time(GMT+00:00)</TimeZone><iJoin>0</iJoin><SBID><stat>3</stat><msppid></msppid><name></name><model></model></SBID><OEM><OEMID>ACRSYS</OEMID><OEMTableID>ACRPRDCT</OEMTableID></OEM><GANotification/></MachineData><Software><Office><Result>109</Result><Products/><Applications/></Office></Software></GenuineResults> Spsys.log Content: 0x80070002 Licensing Data--> Software licensing service version: 6.1.7601.17514 Name: Windows(R) 7, Professional edition Description: Windows Operating System - Windows(R) 7, RETAIL channel Activation ID: e838d943-63ed-4a0b-9fb1-47152908acc9 Application ID: 55c92734-d682-4d71-983e-d6ec3f16059f Extended PID: 00371-00170-177-000006-00-2057-7601.0000-2622012 Installation ID: 008803340256952000624241297502470741555674320124369795 Processor Certificate URL: http://go.microsoft.com/fwlink/?LinkID=88338 Machine Certificate URL: http://go.microsoft.com/fwlink/?LinkID=88339 Use License URL: http://go.microsoft.com/fwlink/?LinkID=88341 Product Key Certificate URL: http://go.microsoft.com/fwlink/?LinkID=88340 Partial Product Key: PW487 License Status: Notification Notification Reason: 0xC004F009 (grace time expired). Remaining Windows rearm count: 3 Trusted time: 02/12/2012 18:43:39 Windows Activation Technologies--> HrOffline: 0x00000000 HrOnline: 0x00000000 HealthStatus: 0x0000000000000000 Event Time Stamp: 9:22:2012 13:45 ActiveX: Registered, Version: 7.1.7600.16395 Admin Service: Registered, Version: 7.1.7600.16395 HealthStatus Bitmask Output: HWID Data--> HWID Hash Current: MgAAAAEABAABAAEAAAACAAAAAQABAAEAeqj0mkRiVPmCwaqUEDMmLuZq6kXECN4lnrM= OEM Activation 1.0 Data--> N/A OEM Activation 2.0 Data--> BIOS valid for OA 2.0: yes Windows marker version: 0x20001 OEMID and OEMTableID Consistent: yes BIOS Information: ACPI Table Name OEMID Value OEMTableID Value APIC ACRSYS ACRPRDCT FACP ACRSYS ACRPRDCT HPET ACRSYS ACRPRDCT BOOT ACRSYS ACRPRDCT MCFG ACRSYS ACRPRDCT SLIC ACRSYS ACRPRDCT SSDT AMD POWERNOW Windows 7 Home Prem OA Acer Group. (then a barcode which i cant really see properly as the stickers worn with age) |
My System Specs |
. |
02 Dec 2012 | #4 |
| The problem is that you appear to have reinstalled using Retail media - which requires that you use the Product Key from the COA sticker on the machine's case If you can read the Key, change the installed one to that using the Change Product Key link at teh bottom of the System properties page. If you can't read teh Key, you'll have to acquire a set of Recovery media for your machine from teh manufacturer, and use that to reinstall the OS. |
My System Specs |
02 Dec 2012 | #5 |
| thanks Noel ill try change it but if not at least i know what i need to do thanks again +rep for the great help |
My System Specs |
02 Dec 2012 | #6 |
| You're welcome - good luck! |
My System Specs |
Thread Tools | |
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text:
Social Networking for Fashion Doll Lovers
This year they also designed the official doll for the National Barbie Convention and I got myself one! :D
So what do you think about their creations?
New dolls! Dior, Radio City Rockette and Alexander McQueen: http://papusilemele.com/en/2011/12/15/ninimomo-updates-dior-christm...
I love the fact that they used a Stardoll for this project. Amazing!! More here: http://papusilemele.com/en/2012/02/15/ninimomo-update-miss-malaysia...
Oh my Doll!! they are all PERFECT!!!
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Last Friday, a homeowner failed to stop and drove his van through two walls of his own home. His van was stuck in the house.
Spinning tires on the cement created a large amount of smoke, causing concern the van was on fire inside the home. Luckily neither the van nor the home caught on fire. The Hotchkiss Fire District blew the smoke out of the home with large fans.
According to the Hotchkiss Marshal's Office, John DiMarco, 64, of 448 Willow Drive in Hotchkiss was arrested at the scene for driving under the influence of alcohol and for careless driving. He received his summons and was released.
His family was inside the house at the time of the accident, but no one was injured, including the driver.
Officer Chad Lloyd investigated the accident which happened at 2:38 p.m. on March 22.
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Vaxcel FN52998OR Valencia 52" Ceiling Fan
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Contact details
Houses and apartments set in a village plan, only 10 minutes walk from Sligo town centre. Features 3,4,5 and 6 bed units. Beaches, golf, fishing and hillwalking nearby. Terrific base for touring the north west. Staffed by experienced staff.
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Nov 16, 2012 9:37 AM
Chris McCormack MaccaX12 Workouts...
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My blog is at http://www.BenGreenfieldFitness.com
Also, I'm giving away a free 7-part series on "How To Become Superhuman" at http://www.SuperhumanCoach.com
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