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|Title: Solar Tower Technology
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|Title: How to face a seminar
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Posted By: computer science crazy
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Posted By: computer science crazy
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|Title: Thermo Acoustic Refrigeration
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Posted By: computer science crazy
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Flagstar Announces First Quarter 2013 Earnings Call
TROY, Mich., April 10, 2013 /PRNewswire/ -- Flagstar Bancorp, Inc. (NYSE: FBC) ("Flagstar") today released instructions for its first quarter 2013 earnings call, which will be held on Wednesday, April 24, 2013, at 11 a.m. (ET). The purpose of the call is to discuss first quarter 2013 financial results, which will be released after the market closes on April 23, 2013.
To join the call, please dial (888) 663-2254 toll free or (913) 312-1482, and use passcode: 2962176. Please call at least 10 minutes before the call is scheduled to begin. A replay will be available for five business days by calling (888) 203-1112 toll free or (719) 457-0820, using passcode: 2962176. The conference call will also be available as a live audiocast on the Investor Relations section of flagstar.com. It will be archived on that site and will be available for replay and download. A slide presentation to accompany the conference call will also be posted on the site.
It is preferred that questions are emailed in advance to firstname.lastname@example.com, or they may be asked during the conference call. Any questions concerning the call should be directed to Bradley T. Howes, senior vice president and investor relations officer, at (248) 312-2000.
About Flagstar Flagstar is the holding company for Flagstar Bank, FSB, a full-service financial institution offering a range of products and services to consumers, businesses, and homeowners. With $14.1 billion in total assets at December 31, 2012, Flagstar is the largest publicly held savings bank headquartered in the Midwest. Flagstar originates loans nationwide and is one of the leading originators of residential first mortgage loans. For more information, please visit flagstar.com.SOURCE Flagstar Bancorp, Inc.
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subset: commoncrawl


text:
Cayman Islands:
Business Advantages and Tax Minimization Attract U.S. Persons and Enforcement Challenges Exist
GAO-08-779T: Published: Jul 24, 2008. Publicly Released: Jul 24, 2008.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
(202) 512-9039
Office of Public Affairs
(202) 512-4800
The Cayman Islands is a major offshore financial center and the registered home of thousands of corporations and financial entities. Financial activity there is in the trillions of dollars annually. One Cayman building--Ugland House--has been the subject of public attention as the listed address of thousands of companies. To help Congress better understand the nature of U.S. persons' business activities in the Cayman Islands, GAO was asked to study (1) the nature and extent of U.S. persons' involvement with Ugland House registered entities and the nature of such business; (2) the reasons why U.S. persons conduct business in the Cayman Islands; (3) information available to the U.S. government regarding U.S. persons' Cayman activities; and (4) the U.S. government's compliance and enforcement efforts. GAO interviewed U.S. and Cayman government officials and representatives of the law firm housed in Ugland House, and reviewed relevant documents. The full report on GAO's review is GAO-08-778, being released at the same time as this testimony.
The sole occupant of Ugland House is Maples and Calder, a law firm and company-services provider that serves as registered office for the 18,857 entities it created as of March 2008, on behalf of a largely international clientele. According to Maples partners, about 5 percent of these entities were wholly U.S.-owned and 40 to 50 percent had a U.S. billing address. Ugland House registered entities are often participants in investment and structured-finance activities, including those related to hedge funds and securitization. Gaining business advantages, such as facilitating U.S.-foreign transactions or minimizing taxes, are key reasons for U.S. persons' financial activity in the Cayman Islands. The Cayman Islands' reputation as a stable, business-friendly regulatory environment also attracts business. This activity is typically legal, such as when pension funds and other U.S. tax-exempt entities invest in Cayman hedge funds to maximize their investment return by minimizing U.S. taxes. Nevertheless, as with other offshore jurisdictions, some U.S. persons may use Cayman Island entities to illegally evade income taxes or hide illegal activity. Information about U.S. persons' Cayman activities comes from self-reporting, international agreements, and less formal sharing with the Cayman government. Because there is often no third-party reporting, self-reported information may be vulnerable to being inaccurate or incomplete. U.S. officials said the Cayman government has been responsive to taxpayer-specific information requests. The Internal Revenue Service has several initiatives that target offshore tax evasion, including cases involving Cayman entities, but oversight and enforcement challenges related to offshore financial activity exist. U.S. officials said that cooperation with the Cayman Islands government has been good. Also, Maples partners said that ultimate responsibility for compliance with U.S. tax laws lies with U.S. taxpayers.
Dec 16, 2014
Tax Filing Season:2014 Performance Highlights the Need to Better Manage Taxpayer Service and Future RisksGAO-15-163: Published: Dec 16, 2014. Publicly Released: Dec 16, 2014.
Nov 19, 2014
Individual Retirement Accounts:IRS Could Bolster Enforcement on Multimillion Dollar Accounts, but More Direction from Congress Is NeededGAO-15-16: Published: Oct 20, 2014. Publicly Released: Nov 19, 2014.
Sep 22, 2014
Identity Theft:Additional Actions Could Help IRS Combat the Large, Evolving Threat of Refund FraudGAO-14-633: Published: Aug 20, 2014. Publicly Released: Sep 22, 2014.
Sep 18, 2014
Large Partnerships:With Growing Number of Partnerships, IRS Needs to Improve Audit EfficiencyGAO-14-732: Published: Sep 18, 2014. Publicly Released: Sep 18, 2014.
Aug 11, 2014
New Markets Tax Credit:Better Controls and Data Are Needed to Ensure EffectivenessGAO-14-500: Published: Jul 10, 2014. Publicly Released: Aug 11, 2014.
Jul 29, 2014
Tobacco Taxes:Disparities in Rates for Similar Smoking Products Continue to Drive Market Shifts to Lower-Taxed OptionsGAO-14-811T: Published: Jul 29, 2014. Publicly Released: Jul 29, 2014.
Jul 22, 2014
Large Partnerships:Growing Population and Complexity Hinder Effective IRS AuditsGAO-14-746T: Published: Jul 22, 2014. Publicly Released: Jul 22, 2014.
Jul 18, 2014
Tax Policy:Differences in Definitions and Rules in the Tax CodeGAO-14-652R: Published: Jul 18, 2014. Publicly Released: Jul 18, 2014.
Jul 7, 2014
IRS Correspondence Audits:Better Management Could Improve Tax Compliance and Reduce Taxpayer BurdenGAO-14-479: Published: Jun 5, 2014. Publicly Released: Jul 7, 2014.
Jul 2, 2014
Management Report:Improvements Are Needed to Enhance the Internal Revenue Service's Internal ControlsGAO-14-433R: Published: Jul 2, 2014. Publicly Released: Jul 2, 2014.
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text:
American History Pt. II
Professor Blastoff #88January 22, 2013
The very popular history specialist Sascha Cohen returns to the program to discuss what lead to the Great Depression, World War II, and nostalgia for the 1950ŌĆÖs. We also talk about the Vietnam War, how television changed the outlook on war, and SaschaŌĆÖs love of the 80ŌĆśs. Plus, Kyle tells us a story about texting with his niece and Del LaRue makes an appearance!
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text:
HARRINGTON, Del. - Harrington Raceway's 68th season of live harness racing came to an end Thursday evening. Four-time leading driver Ross Wolfenden capped the meet-ender with four driving wins, but it was not enough to catch Allan Davis, who won his first career title with 157 wins at the meet, while Wolfenden was second with 150. Victor Kirby (127) finished third. The 38-year-old Davis is the son of one of the most accomplished drivers in the Mid-Atlantic region, Eddie Davis, winner of more than 8,000 races lifetime. Trainer Wayne Givens earned his second training title with 66 wins. Joe Hunderptfund Jr. was second with 51 wins, while Josh Green was third with 31. Meanwhile, horse of the meet honors went to trotter I Like My Boss for owners Bob Shahan, Ashley Parsons and Jimmy Parsons. Trained by Shahan, I Like My Boss started his career with an incredible 15 consecutive wins before his first defeat. He started 10 times at Harrington in 2014 with nine victories. Also on the closing night program, pacing mare Willow Mill Faith notched her seventh straight win for trainer/driver George Dennis and owners Don Reed and George Wagner in 1:56. Live racing on the Delaware circuit now shifts 20 miles north to Dover Downs, which opens its meet on November 2. By Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - A pair of Delaware Standardbred Breeders Fund $100,000 finals for 2-year-old harness racing trotters were contested on the penultimate Harrington Raceway program of 2014 Wednesday over a sloppy racetrack. Stephanie and Brian Cassell's Political Foe ($19.40, Eddie Dennis) was an upset winner in 2:01.2 in the colt and gelding final, passing the 1-to-9 favorite Political Cash, who led throughout, in the stretch for a decisive win. Win Power finished third. It was the second career win for the son of Political Briefing. Trained by his driver Dennis, Political Foe had a win and second place finish in his two eliminations prior to the final. Meanwhile, Bib Roberts, Graham Grace Stables and M&W Stables' Callmemza ($9.40, Jon Roberts), who won both of her elimination races, prevailed in the filly trotting final in 2:04.2 over Sign N Drive and Penny Paratrooper. It was an eventful race in which seven of the eight fillies went off stride at some point in the race. Callmemza was not unscathed after making an early miscue shortly after the start, but she recovered and reeled in Sign N Drive late for her Third Straight win for trainer Bib Roberts. Callmemza is a daughter of Great George Two, an accomplished trotter whom Roberts campaigned in the early 2000's. "To have a horse like Great George Two, and to be able to race his offspring for our family is just a great ride," said driver Jon Roberts, son of trainer Bib Roberts. "It was an eventful night with the weather and these young fillies didn't want to cooperate and we got the best of it. We made our mistake before everyone else did and fortunately it didn't hurt us as bad as it could have if it happened later on in the race." Leigh Raymer's I Got Spunk ($4.80, Callahan) won the $20,000 DSBF filly consolation in 2:03, while Jason Skinner's Vangoghpaintsred ($36, Vince Copeland) was triumphant in 2:05 in the $20,000 DSBF colt and gelding consolation. Corey Callahan drove four winners on the card, while Jon Roberts had three. The final night of racing for the 2014 Harrington meet is Thursday October 23. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - One of the most competitive groups in recent history competed in the $100,000 Delaware Standardbred Breeders Fund (DSBF) final for 2-year-old pacing colts Tuesday at Harrington Raceway. In a highly touted group that featured six different elimination winners, Ronald Benton and Sharon Wyatt's Remember Me VK ($9.40, Montrell Teague) prevailed in track record fashion with a 1:52.3 triumph. It was the second straight DSBF final that produced a track record, after Purrfect Bags reset the 2-year-old pacing filly mark in her final Monday. Perched second over behind Son of a Sizzle, Remember Me VK surged three-wide on the final turn and outkicked the former in the stretch for a one length win. Pacesetter KJ Ben set all the fractions and faded to fourth. Smoking Joey rallied for third. Sired by Art Director, it was the second win in three career starts for Remember Me VK, who is trained by Bobby Wyatt. The horse was named by co-owner Benton, in honor of his late sister Vickie who passed away near the time of Remember Me VK's birth. "I knew there was a lot of speed in the race so I wanted to take him off the pace tonight," said Teague, who articulated how high he has been on this colt since his first qualifier. "When I qualified this horse, I told Bobby (trainer Bobby Wyatt) we were going to have a lot of fun with this horse." Remember Me VK is a homebred out of owner Ronald Benton's dam All Memory. "When I broke this colt, I thought he was something special," said Wyatt. "Training him down I thought he had a lot of class. I have to congratulate and thank Montrell because he's done a great job with him in every start." Driver Victor Kirby had four winners on the program. Jim Morand and Eddie Davis Jr. each had a driving double. Both sexes of 2-year-old trotters will compete in their respective $100,000 finals on the Wednesday October 22 program. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - The final week of Harrington Raceway's 68th year of live racing will be headlined by the Delaware Standardbred Breeders Fund (DSBF) $100,000 final events for 2-year-olds. The pacing fillies are the first to go postward, as their final is slated as the 10th race on Monday's 15-race program. Carter Racing Stable's Totally Rusty (2-1, Corey Callahan) will look to keep her perfect record intact as the daughter of Rusty's For Real is 4-for-4 in her young career, after breaking her own track record last week. The path to her fifth win may not come easy tonight however after drawing post position eight. Her two chief threats are fellow undefeated mate Joann Looney King's Roddy's Bags Again-sired Purrfect Bags' (4-1, Victor Kirby) and Riggins-sired Gigi Deo (3-1, Andrew McCarthy) for owners J&T Silva Stables, C&G Racing Stables and Deo Volente Farms. The pacing colts will take their turn in the 10th race on the Tuesday program, featuring an adept field which features six different elimination winners. Only Scott Woogen's Riggins-sired KJ Ben (5/2, Art Stafford Jr.) and Michael White's Life Sizzles-sired and aptly named Son of a Sizzle (3-1, David Miller) escaped both of their elimination races unscathed in the deep grouping. Fellow elimination winners in the field include Garnet O'Marrow's Riggins-sired Seboomook Katahdin (5/1, Allan Davis), Legacy Racing of DE, Sharon White and Nanticoke Racing's Artzina-sired Art Season (8-1, Vince Copeland), Ron Benton and Sharon Wyatt's Remember Me VK (4/1, Montrell Teague), a son of Art Director, and Roddy's Bags Again sired Roddy's Hot Again (12-1, George Dennis), who is owned by George and Tina Dennis and the Ask W Stables. Both sexes of trotters will compete in their final events on the penultimate program of the season at Harrington on Wednesday. The colt and gelding trotters will battle in the eighth race, as track record holder and son of Political Briefing, Political Cash (2-1, Allan Davis) will vie for his Third Straight win for owners Bob Shahan and Donald Marine. The field is contentious however, and also features former track record holder Egosnattitudes (5/1, Jon Roberts), a son of Great George Two for owners Bib Roberts, Graham Grace Stables and M&W Stables among the field of eight. The filly trotting final is the 10th race with another Great George Two offspring playing perhaps a major role in Callmemza (2/1, Roberts) for owners Bib Roberts, Graham Grace Stables and M&W Stables. Callmemza swept her eliminations as did her two main threats, a pair of Cr Commando-sired fillies in Carlo Poliseno and Foulk Stables' Penny Paratrooper (4-1, Ross Wolfenden), and Scott Woogen's Sign N Drive (3-1, Tim Tetrick). Each pacing and trotting division also features a $20,000 consolation. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Joann Looney- King's Purrfect Bags ($11.80, Victor Kirby) notched a mild upset in winning the $100,000 Delaware Standardbred Breeders Fund (DSBF) final for 2-year-old pacing fillies Monday at Harrington Raceway in a track record setting time of 1:53.2. The Roddy's Bags Again filly settled in fourth early behind pacesetting favorite Totally Rusty, who cruised through fractions of 27.3, 55.1 and 1:24.1. Kirby and Purrfect Bags mounted their attack first over and steadily gained ground before a fierce final charge reeled in the favorite at the finish in dramatic fashion. Gigi Deo was third. The aptly named Purrfect Bags remained perfect in her career, with four wins in as many starts. Trained by Jim King Jr., the mile established a new track record, which had been broken the previous two races in a row by Totally Rusty. "This filly showed a lot of guts tonight and really dug in late," said Kirby, who won three races. "They told me this filly loves a target and they were right. She's way better having a target then being on the front end." An elated Joann Looney-King was in tears in the winner's circle and recalled a bout of amnesia in regards to Purrfect Bags' dam, Purrfectly Bad. "This is the most exciting race that I've ever won in over 60 years," she said. "We had the mare and she couldn't go a quarter much faster than 35 seconds. I went to Chick's Sale looking for a weanling last December and I couldn't come home with one because everything went too high. I had $2,000 and ended up with her. Jimmy (trainer Jim King Jr.) reminded me, he said don't you remember who the dam was? I said nope. And he said, you owned her." In the $20,000 DSBF consolation, Erica Hanley and Pam Wagner's Iaquinta ($12, Kirby) recorded a win in 1:56.2. Harrington's leading driver Allan Davis had a grand slam on the program, including a win with Legacy Racing and Reginald Hazzard's Papa Ray ($10.20) in the $18,000 Open in 1:52.2. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Bob Shahan and Donald Marine's Political Cash ($4.60, Allan Davis) reset the track record for 2-year-old trotting geldings Wednesday with a 2:00 win as the fastest of six Delaware Standardbred Breeders Fund (DSBF) eliminiations at Harrington Raceway. Trained by Shahan, the Political Briefing-Cashmere Sahbra gelding set all the fractions and held off Political Foe through the stretch for his second career win in three lifetime starts. Political Cash broke Egosnattitudes track record, who set the mark last week. Egosnattitudes (Jon Roberts) completed a sweep of his elimination legs earlier on the program with a 2:04.4 triumph for trainer Bib Roberts and owners Roberts, Graham Grace Stables and M&W Stables. The Great George Two-Aerobic Linda gelding improved to 2-fo-3 in his young career. Trainer and co-owner Shahan was back at it in the remaining colt and gelding division with Save The Night (George Dennis). Co-owned by Shahan and George Brem, the Political Briefing-Athenea gelding was a 2:02.4 winner in his division. Each of the filly winners fulfilled sweeps of their eliminations as Carlo Poliseno and Foulk Stables' Penny Paratrooper ($2.40, Ross Wolfenden) was the first to triumph in 2:03.2. Trained by Poliseno, the Cr Commando-CR Penny Lane filly is 2-for-2 in her career. Scott Woogen's Sign N Drive ($2.10, Victor Kirby) was an easy 2:03.4 victor for trainer Duane Wagner. The Cr Commando-Tybridge filly has three wins in four career starts. Trainer Bib Roberts recorded another win on the card with Callmemza ($2.60, Jon Roberts). Co-owned by Bib Roberts, Graham Grace Stables and M&W Stables, the Great George Two-Endorphan Annie, Callmemza is now 3-for-4 in her career after a 2:04.3 triumph. The top eight point-getters among the fillies and colts and geldings will return to compete in their respective $100,000 final events Wednesday October 22. Ross Wolfenden had four winners on the program. Kirby and Jon Roberts each won three races, while Corey Callahan and Allan Davis had a double. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Round two of Delaware Standardbred Breeders Fund (DSBF) action for 2-year-old pacing colts and geldings was contested Tuesday at Harrington Raceway with 27 horses competing in four $20,000 elimination divisions. The fastest winner was Scott Woogen's KJ Ben ($2.10, Art Stafford Jr.) who was a wire-to-wire winner over Seboomook Katahdin in 1:55. The Riggins-Winsmith Karen colt completed a sweep of his eliminations and improved to 4-for-5 in his career for trainer Duane Wagner. Second time starter Remember Me VK ($3.80, Montrell Teague) was an impressive 1:55.4 winner over Smoking Joey. The Art Director-All Memory gelding received a pocket trip behind Smoking Joey throughout and edged clear of the latter down the passing lane at the finish. Trained by Bob Wyatt, Remember Me VK now has a win and a second on his card in as many starts. Michael White's Sonofa Sizzle ($2.10, Allan Davis) swept his eliminations after winning his division in 1:55.2 for trainer Gary Green. The son of Life Sizzles-JK Lady Like, burst on the Delaware scene with a win last week in 1:54.2, after competing in New York in four previous attempts. Art Season ($2.20, Allan Davis) won the remaining division for owners Legacy Racing of Delaware, Sharon White, and Nanticoke Racing Stable in 1:56.1. The Artzina-Florist gelding was forced in the two hole early by a fired up NBA Pick who set a hot pace before fading. Art Season applied pressure past the half-mile and edged clear before opening up a four length lead over Rustlercafe at the wire. Art Season is trained by Wayne Givens. In the overnight feature, Bob Winkelman's Paradise Lost ($4.60, Corey Callahan) recorded her fourth consecutive win in the $18,000 Mares Open in 1:53.4. Teague, Allan Davis and Victor Kirby each drove three winners. Ross Wolfenden had a driving double. The top eight point-getters from the first two legs will return for the $100,000 final on Tuesday October 21. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - A total of 24 fillies battled in three $20,000 elimination divisions of the second leg of the Delaware Standardbred Breeders Fund (DSBF) Monday at Harrington Raceway. The most anticipated showdown, was the latter of those divisions as round one winners Totally Rusty, owned by Carter Racing Stable, and Gigi Deo, owned by the partnership of Jerry Silva, C&G Racing Stables and Deo Volente Farms, were primed for a showdown after drawing into together in the programs' 10th race. Totally Rusty, fresh off her track record setting performance (1:54.1) in her division last week, emerged as a wire-to-wire winner for driver Corey Callahan and reset her track record with a 1:54 win over the track listed in "good" condition. Gigi Deo rallied first over and finished second, three lengths in arrears of Totally Rusty. Trained by Doug Lewis as the only foal of sire Rusty's For Real, Totally Rusty improved to 4-for-4 lifetime. One rival Totally Rusty has not faced yet but will next week is Joann Looney-King's Purrfect Bags ($2.10, Victor Kirby), who dominated in her 1:55.4 triumph in another DSBF pacing filly division. The Roddy's Bags Again filly never had an anxious moment in her front end romp to improve to 3-for-3 lifetime for trainer Jim King Jr. Tony Dinges' Love Forbidden ($4.40, Andrew McCarthy) won the remaining division in 1:57.4. The Riggins-sired filly atoned for a third place finish as the favorite in her division last week, with a first-over grinding narrow margin of victory over Spin Vision. Trained by Dinges, it was the first win in two career starts for Love Forbidden. The top eight point-getters will return to compete in the $100,000 final next Monday October 20. In the overnight feature, Doug Lewis' (owner/trainer) Mojo Terror ($4.20, Callahan) was a 1:53 winner. Callahan had four winners on the program. Ross Wolfenden had a driving triple, while Jon Roberts had a double. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Four $20,000 divisions of the first leg of the Delaware Standardbred Breeders Fund (DSBF) for 2-year-old pacing colts and geldings were contested Tuesday at Harrington Raceway. Two nights into DSBF 2-year-old action, first crop sires have enjoyed ample success. Scott Woogen's KJ Ben ($14.40, Art Stafford Jr.) was the fastest winner after a 1:54.1 impressive score. The Riggins colt brushed to lead at the opening quarter mile in 28.3 seconds, clearing early leader and race favorite Smoking Joey. KJ Ben then marched through fractions of 57.1 and 1:26.1 before holding the favorite at bay in the stretch for a measured win. Trained by Duane Wagner, it was the third win of KJ Ben's career. Perhaps the most contentious division was the fourth when Michael White's Son of a Sizzle ($11.80, Allan Davis) recorded a 1:54.2 win from off the pace for trainer Gary Green. The Life Sizzles colt battled first over and cleared leader Byby Landon, before holding off a game late charge from Remember Me VK for his first win of the season in five career starts. George and Tina Dennis Inc and Ask W Stables' Roddy's Hot Again ($2.80, George Dennis) notched his Third Straight win in the first division on the program. The Roddy's Bags Again gelding never had an anxious moment in his front end win in 1:56.3. Roddy's Hot Again is trained by his co-owner and driver George Dennis. Garnet O'Marrow's Seboomook Katahdin ($2.10, Allan Davis) was an 11 length winner in his DSBF division. Sent off as the 1-to-9 favorite, the Riggins gelding never relented once assuming the lead before the quarter mile. Trained by Wayne Givens, he was won 3 of 4 career outings. Bob Winkelman's Paradise Lost ($5.60, Victor Kirby) won her Third Straight race in the overnight feature, the $13,750 Mares Open. Montrell Teague, Allan Davis, Victor Kirby and George Dennis each had three winners on the program. Corey Callahan had a double. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Four $20,000 harness racing divisions of the first leg of the Delaware Standardbred Breeders Fund (DSBF) stakes for 2-year-old pacing fillies were contested Monday at Harrington Raceway. The top eight point-getters from the first two legs will return to compete in the $100,000 final on October 20. The fastest and most impressive winner of the divisions was Carter Racing Stable's Totally Rusty ($2.10, Corey Callahan) who broke her dam's (mom's) track record with a 1:54.1 decisive score. It was one of three wins on the card for trainer Doug Lewis. As the only foal for sire Rusty's For Real, Totally Rusty is 3-for-3 in her young career. After clearing the lead near the opening quarter-mile, Totally Rusty never relented in a visually impressive performance. Totally Rusty's dam, Rusty's Joy, co-held the track record with She's Everything and Little Bit Tricky of 1:55.4. It was one of three wins on the program for Callahan. Totally's Rusty's 1:54.1 mile also established a new stakes record. Gigi Deo ($2.10, Andrew McCarthy) notched her third win in four starts in her career in the first division for owner J&T Silva Stables, C&G Racing Stables, and Deo Volente Farms after a 1:56.3 triumph as the heavy favorite for trainer Aaron Lambert. The Riggins-sired filly was recently second with grand circuit fillies in the Kentuckiana at Hoosier Park (Indiana). In the only upset of the DSBF divisions, Gary Simpson and Eric Good's Puddle Jumper ($14.20, George Dennis) was victorious in 1:57.2. A daughter of Riggins, Puddle Jumper sat behind pacesetter Fancy Sound throughout before emerging down the passing lane late for a win over the latter. Love Forbidden was the overwhelming favorite and battled first over throughout but was unable to close ground late and finished third. Puddle Jumper was making her Third Straight for co-owner and trainer Simpson. The final division went to Joann Looney-King's Purrfect Bags ($2.10, Victor Kirby), who improved to 2-for-2 lifetime with a front end 1:57 victory over a pocket sitting Brian's Thunder. The Roddy's Bags Again filly is trained by Jim King Jr. Kirby had three winners on the card. In the overnight feature, Callahan piloted Lewis-trained Delaware Hanover ($4) for owner Howard Taylor to an off the pace score in 1:53 in the $13,750 Open II. by Matt Sparacino, for Harrrington Raceway
HARRINGTON, Del. - With just 12 days remaining in the Harrington Raceway meet, the first leg of the Delaware Standardbred Breeders Fund (DSBF) stakes for 2-year-olds will be prominently featured over the final three weeks. DSBF action kicks off Monday with pacing fillies going postward in four divisions. The early favorite in the division would have to be J&T Silva Stables, C&G Racing Stables and Deo Violente Farms' Gigi Deo (9/5, Andrew McCarthy), who drew post four in the first split, the second half of the daily double as race two. A $55,000 Harrisburg sale yearling, "Gigi" is one of the most expensive Delaware-sired horses since the inception of the DSBF program. She finished second to Bettor Be Steppin in the Kentuckiana in grand circuit action at Hoosier Park. This will be her first time over a half-mile racetrack for trainer Aaron Lambert. Another filly whose off to an auspicious start to her career is Carter Racing Stable's Totally Rusty (2/1, Corey Callahan), who is a homebred for Carter Racing Stable. Sired by Rusty's For Real, Totally Rusty is the only registered foal from her sire. She took a mark of 1:53.4 in her last start at Harrah's Philadelphia and is 2-for-2 thus far in her young career. Joann Looney-King and her husband, trainer Jim King Jr., will look to continue a banner year with budding filly Purrfect Bags (2-1, Victor Kirby) in the final division. The daughter of Roddy's Bags Again exploded to a five length win in her only career start at Harrah's Philadelphia. The four divisions are slated second, fifth, eighth and tenth on the Monday program. The pacing colts will headline Tuesday's program in four divisions. This year's group appears to be extremely competitive with early favorites among the 29 colts entered appearing to be the likes of CTC Stable's Smoking Joey (second division, 5/2, Callahan), Seboomook Katahdin (third division, 2-1, Allan Davis) as well as a contentious fourth division that features David Hamm's Byby Landon (2-1, Ross Wolfenden) and Michael White's SonofaSizzle (3/1, Allan Davis). Smoking Joey, trained by Doug Lewis, and Seboomook Katahdin, conditioned by Wayne Givens, are both sons of Riggins who have started their careers with two early wins. Byby Landon, a Dick Lewis-trainee, won his only previous start at Harrington with an impressive 27.3 last quarter, but perhaps drew into the deepest division that includes Life Sizzles-sired Sonofa Sizzle, who was third in a division of the Tompkins Geers at Tioga Downs. The trotters will be in action on Wednesday with three divisions apiece of fillies and colts. Two long time local Delaware trainers appear to have the preliminary favorites in the colt division as Eddie Dennis-trained Political Foe and Bob Shahan-trained Political Cash will head their divisions, which will be held as early non-wagering events at 4:45 p.m. and 5 p.m. respectively. Owned by Stephanie Brian Cassell, Political Foe was a strong second in his last start versus older rivals. Meanwhile, Shahan and Donald Marine's Political Cash finished third in his opening start after a series of impressive qualifiers. Among the 22 trotting fillies, most are making their first career starts and only Shahan and George Brem's Save The Night, has a pari-mutuel win, after winning an overnight event at Ocean Downs in 2:02.4. Live racing is conducted nightly with a 5:30 p.m. post time. by Matt Sparacino
HARRINGTON, Del. - Driver Jon Roberts capped his best week yet at Harrington Raceway with a second five-win performance in four nights Thursday. The 33-year-old Roberts, who won five races on Monday, won five more Thursday giving him 13 for in a four day span on Delaware's only half-mile racetrack. Roberts did not drive at Harrington on Tuesday night, September 30. Roberts win parade Thursday began in the second race with Seaside Gal ($10.80) and continued by capturing the second and fourth legs of the pick four with Aggie's Dream ($4.40) and Casino Bags ($7). Roberts secured the grand slam with a triumph aboard We Salute You ($9.60) in race nine before piloting veteran Real Tough ($5.20) to a Third Straight win in race 13. Roberts currently sits fifth in the Harrington driver standings with 73 wins. Allan Davis (135), Ross Wolfenden (124), George Dennis (109) and Victor Kirby (83) complete the top four. In the trainer standings, Wayne Givens (58) maintains a lead over defending champ Joe Hundertpfund Jr. (47). Josh Green (38), Les Givens (28) and Kyle Moore (23) fulfill the top five. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - Two new harness racing track records for trotters were set on the 14-race program at Harrington Raceway Wednesday, both of which were driven by Jonathan Roberts. I Like My Boss ($6.40, Roberts), who suffered his first career defeat in 16 starts on September 17, got back on the winning track and broke his own track record in the process with a 1:55.4 win in the $18,000 Open Trot. Owned by trainer Bob Shahan, Jimmy Parsons and Ashley Parsons, the 3-year-old Don Boss Vita gelding fought gamely first over versus pacesetter Spunky Jack before edging clear in deep stretch for the track record setting triumph. It was the 16th win in 17 career starts for I Like My Boss. Earlier on the program, 4-year-old trotter Boffin ($2.40, Roberts) scored a 1:55.1 romp to shatter the 4-year-old trotting stallion mark, formerly held by Tough Challenger (1:56.1). It was one of three wins on the program for Roberts. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. – J&M Racing's Embassy Seelster ($7.40, Allan Davis) notched her third win of season Tuesday with a 1:53.1 harness racing victory in the $18,000 Mares Open at Harrington Raceway. The Doug Lewis-trainee surged off cover approaching three-quarters and sprinted home for a one length win over Monochromatic and Sucha Bad Girl. It was second win at the current Harrington meet. The 4-year-old Modern Art mare has earned more than $123,000 lifetime. For the second straight night, a driver registered five wins. Following Jon Roberts aforementioned performance on Monday, was driver Victor Kirby, who piloted five winners on the 14-race program, capped in the last race with Keith Pippi's Lounge Act ($3.20), who is trained by Kirby. Allan Davis, Montrell Teague, George Dennis and Jim Morand each had two. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - John Dayton's Just A Jolt ($5.20, Victor Kirby) recorded his 15th win of the season Monday at Harrington Raceway in the $18,000 Open Handicap in 1:51.4. Trained by Jim King Jr., the massive win total for 'Jolt' is the best in North America this year for 4-year-olds. Kirby placed the 4-year-old Village Jolt gelding first over after pacesetter Mojo Terror after fractions of 27.3, 56.2 and 1:24.4, and edged clear in the stretch for the win. Mojo Terror held second while People Are Crazy closed ground late for third. Just A Jolt boosted his seasonal bankroll to nearly $190,000. It was one of three wins on the card for Kirby. Meanwhile, driver Jon Roberts was on fire with five wins on the program, including four consecutive in races two through five, two of which were behind Josh Parker-trained horses Invictus Hanover ($2.20) and Shark Fantasy ($2.80). Roberts also brought in long shots Intrepid Hall ($28.60) and Cruising West ($19.20). Earlier on the program, two "Rickshaw Rumble" races were held to benefit Horse Lovers United, which finds homes for horses who can no longer compete. Tiffany Cooper and Montrell Teague won the first division while Cody Poliseno and Emily Thompson won the second. by Matt Sparacino, for Harrington Raceway
HARRINGTON, Del. - David Miller's Cash on Delivery ($4.80, Vince Copeland) recorded a 1:56 win in the featured $18,000 Open Trot at Harrington Raceway Wednesday. Trained by his driver Copeland, the 6-year-old Cash Hall gelding received a pocket trip behind pacesetter Spunky Jack throughout fractions of 27.3, 58.2 and 1:27.4. Copeland then steered Cash On Delivery down the passing lane to edge clear of the pacesetter for a half length win. Powerful Charger gained ground late and was third. It was the fourth win of the season for Cash On Delivery, and 19th career trip to the winner's circle for the winner of more than $300,000 lifetime. by Matt Sparacino, for Harrington Raceway


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Posts tagged: North Nevada corridor
OK, this will make our third and last post here about the MacKenzie River Pizza Co. location announcement, made this week by Glacier Restaurant Group, out of Whitefish, Mont.
Our earlier post noted that a press release quoted Glacier COO Brad Ridgeway explaining the choice of location, in North Spokane at the intersection of Nevada and Jay (along the Nevada corridor), as a way to "reap the visibility benefits while avoiding the clutter of the competition."
We asked Brad what that means. In brief, it means having good access to customers and drivers, but also not setting up shop on crowded Newport Highway, which is about 450 feet to the west of the site Glacier chose.
By being off a distance and not smack dab in the mix of retail on Newport Highway, MacKenzie should do fine. He noted that another one of their MacKenzie locations is next to or near an Olive Garden. It's not always beneficial for one eatery to be next to a larger one, Ridgeway said.
The Montana restaurant company that will bring a Ciao Mambo eatery to downtown plans to build its first Eastern Washington MacKenzie River Pizza Co. store in north Spokane next year.
Glacier Restaurant Group said it will lease a 5,800-square-foot restaurant to go in the corner of N. Nevada Street and E. Jay Avenue. The owner of the site is Spokane Pavilion LLC.
The state of Montana, so far, is home to a dozen MacKenzie River Pizza locations; Coeur d'Alene has one.
The north Spokane pizza restaurant will open in May or June 2011 and is expected to bring in over 70 jobs to the Spokane area, according to Cory Barbieri of Goodale and Barbieri Co., who handled the transaction for Glacier and Spokane Pavilion LLC. The new building will cost about $1.1 million, with Lone Wolf Construction, of Montana, as general contractor.
The photo above is of the Kalispel pizza place.
The Nevada Street corridor was chosen by Glacier because it has the appeal of north Spokane access along with the "added bonus of being located in an up-and-coming retail center," said Brad Ridgeway, COO of Glacier Restaurant Group.
"This site allows us to reap the visibility benefits while avoiding the clutter of the competition," he also said.


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Quotes & Info
|HIIQ > SEC Filings for HIIQ > Form 10-Q on 14-Nov-2013
|All Recent SEC Filings
Quarterly Report
We have made statements in Management's Discussion and Analysis of Financial Condition and Results of Operations below, "Part II. - Item 1A. Risk Factors" and in other sections of this report that are forward-looking statements. All statements other than statements of historical fact included in this quarterly report are forward-looking statements. You can identify forward-looking statements by the fact that they do not relate strictly to historical or current facts. These statements may include words such as "may," "might," "will," "should," "expects," "plans," "anticipates," "believes," "estimates," "predicts," "potential" or "continue," the negative of these terms and other comparable terminology. These forward-looking statements, which are subject to risks, uncertainties and assumptions about us, may include projections of our future financial performance, our anticipated growth strategies, anticipated trends in our business and other future events or circumstances. These statements are only predictions based on our current expectations and projections about future events. There are important factors that could cause our actual results, level of activity, performance or achievements and other future events or circumstances to differ materially from the results, level of activity, performance or achievements, events or circumstances expressed or implied by the forward-looking statements, including those factors discussed "Part II. - Item 1A. Risk Factors" below and "Part II. - Item 1A. Risk Factors" in our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2013 and June 30, 2013. You should specifically consider the numerous risks outlined under "Part II.-Item 1A. Risk Factors" below and "Part II. - Item 1A. Risk Factors" in our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2013 and June 30, 2013.
We cannot guarantee future results, level of activity, performance, achievements, events or circumstances. We are under no duty to update any of these forward-looking statements after the date of this report to conform our prior statements to actual results or revised expectations.
In this quarterly report, unless the context suggests otherwise, references in this report to the "Company," "we," "us" and "our" refer (1) prior to the February 13, 2013 initial public offering ("IPO") of the Class A common stock of Health Insurance Innovations, Inc. and related transactions, to Health Plan Intermediaries, LLC ("HPI") and its consolidated subsidiaries and (2) after our IPO and related transactions to Health Insurance Innovations, Inc. and its consolidated subsidiaries. The terms "HII", "HPIH" and "ICE" refer to the stand-alone entities Health Insurance Innovations, Inc., Health Plan Intermediaries Holdings, LLC, and Insurance Center for Excellence, LLC, respectively. HPIH and ICE are consolidated subsidiaries of HII. The term "Secured" refers to (a) prior to or at the time of their July 17, 2013 acquisition by us, Sunrise Health Plans, Inc., Sunrise Group Marketing, Inc. and Secured Software Solutions, Inc., collectively, and (b) following our July 17, 2013 acquisition, the entities described in (a) and the limited liability companies into which such entities were converted shortly following such acquisition.
We are a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. Our highly scalable, proprietary, web-based technology platform allows for mass distribution of and online enrollment in our large and diverse portfolio of affordable health insurance offerings.
Our technology platform provides customers, whom we refer to as members, immediate access to our products through our distribution partners anytime, anyplace. The health insurance products we develop are underwritten by insurance carrier companies, and we assume no underwriting or insurance risk. Members can price and tailor product selections to meet their needs, buy policies and print policy documents and identification cards in real-time. Our sales are executed online and offer instant electronic fulfillment. Our technology platform uses abbreviated online applications, some with health questionnaires, to provide an immediate accept or reject decision on applications for all products that we offer. Once an application is accepted, individuals can use our automated payment system to complete the enrollment process and obtain instant electronic access to their policy fulfillment documents, including the insurance policy, benefits schedule and identification cards. We receive credit card and Automated Clearing House ("ACH") payments directly from members at the time of sale. Our technology platform provides significant operating leverage as we add members and reduces the costs associated with marketing, selling, underwriting and administering policies.
We are an industry leader in the sale of 12-month short-term medical ("STM") insurance plans, an alternative to traditional individual major medical ("IMM") plans which provide lifetime renewable coverage. STM plans generally offer qualifying individuals comparable benefits for fixed short-term durations of six or 12 months at approximately half the cost of IMM plans. While applications for IMM insurance may take up to 60 days to process, our STM plans feature a streamlined underwriting process offering immediate coverage options. We also offer guaranteed-issue hospital indemnity plans for individuals under the age of 65, which pay fixed cash benefits for covered procedures and services, and a variety of ancillary products such as cancer/critical illness plans, pharmacy benefit cards, dental plans and vision plans that are frequently purchased as supplements to STM and hospital indemnity plans. We design and structure insurance products on behalf of insurance carrier companies, market them to individuals through our
large network of distributors and manage member relations via our online member portal, which is available 24 hours a day, seven days a week. Our online enrollment process allows us to aggregate and analyze consumer data and purchasing habits to track market trends and drive product innovation. We have established relationships with several highly rated insurance carriers, including Nationwide, Companion Life, United States Fire, ING, Markel, HCC Life Insurance Company and CIGNA, among others.
We have established a large independent distribution network that consists of 83 licensed agent call centers, an increase of 51 from September 30, 2012, and 243 wholesalers that work with over 9,700 licensed brokers as of September 30, 2013. Our data-driven product design, technology platform and extensive distribution network have enabled us to grow our revenues by 26.7% for the three months ended September 30, 2013, compared to the three months ended September 30, 2012 and by 35.6% for the nine months ended September 30, 2013, compared to the nine months ended September 30, 2012. As discussed further below, in July 2013, we completed the acquisition of Secured, a significant distributor. This transaction is expected to provide us with additional benefits such as reduced enterprise risk from increased captive distribution, addition of sales lead management expertise to maximize the number of new insurance policies produced by each dollar invested in sales leads, and opportunities through technological and cost-saving synergies.
We focus on the large and under-penetrated segment of the U.S. population who are uninsured or underinsured, which includes individuals who are unable to afford traditional IMM premiums, individuals not covered by employer-sponsored insurance plans, such as those who are self-employed as well as small business owners and their employees, and underserved "gap populations" that require insurance due to changes caused by life events, such as new graduates, divorcees, early retirees, military discharges, the unemployed, part-time and seasonal employees and temporary workers. Our target market consists of approximately 64 million Americans, including approximately 50 million Americans who were uninsured in 2010, according to the U.S. Census Bureau, and approximately 14 million non-elderly Americans who purchased individual health insurance plans in 2010, according to a 2010 Kaiser Family Foundation survey. We expect the number of uninsured and underinsured to significantly increase due to the rising costs of traditional IMM plans and a decline in employer-sponsored health insurance programs due to rising benefit plan costs.
Participants in the health insurance industry are focused on the potential implications of the Patient Protection and Affordable Care Act ("PPACA"). This legislation is expected to have extensive impacts on the provisions of health insurance plans that can be sold to individuals and the resulting economics to insurers. Starting in the second quarter of 2013, some industry participants began to take advantage of a PPACA loophole with the goal of increasing 2013 sales of certain products so that they can be continued until renewal dates in 2014 by modifying individual major medical policy terms, premiums and commissions paid to distributors. Some of these actions have had the effect of increasing competition with our insurance products or simply causing confusion among health plan distributors and consumers. It is unclear when and to what extent these factors will abate, but management expects that these policies will no longer be permitted to be sold or renewed as of 2014. Very positive year over year growth is still expected but the rate of growth in our core medical policy sales slowed beginning early in the second quarter. However, we remain confident in the appeal of our product offerings, and expect increased growth once PPACA is fully implemented.
Our Corporate Structure
HII is a holding company that was incorporated as a Delaware corporation on October 26, 2012 for the purpose of facilitating an IPO of common equity and to become the sole managing member of HPIH. Its principal asset is a controlling equity interest in HPIH. On February 7, 2013, a registration statement filed with the U.S. Securities and Exchange Commission ("SEC") related to shares of Class A common stock of HII was declared effective, and the price of such shares was set at $14.00 per share. The IPO closed on February 13, 2013. Prior to the IPO, HII had not engaged in any business or other activities except in connection with its formation and the IPO.
After the effective date of the registration statement but prior to the completion of the IPO, the limited liability company agreement of HPIH was amended and restated to modify its capital structure by replacing the different classes of interests previously held by HPIH owners with a single new class of units called "Series B Membership Interests." In addition, each Series B Membership Interest holder received one share of HII's Class B common stock. We and our then-existing owners also entered into an exchange agreement under which (subject to the terms of the exchange agreement) they have the right to exchange their Series B Membership Interests together with an equal number of shares of our Class B common stock, for shares of our Class A common stock on a one-for-one basis, subject to customary conversion rate adjustments for stock splits, stock dividends and reclassifications. These transactions are collectively referred to as the "Reorganization Transactions."
The Company, as a result of the IPO and the related Reorganization Transactions, became the sole managing member of, and has a controlling equity interest in, HPIH. As the sole managing member of HPIH, HII operates and controls all of the business and affairs of HPIH and, through HPIH and its subsidiaries, conducts our business. HII consolidates the financial results of HPIH and its subsidiaries, and records noncontrolling interests for the economic interest in HPIH held by the Series B Membership Interests holders. As of September 30, 2013, the noncontrolling Series B Membership Interests holders' ownership percentage is 61.9%.
The Company was formed as HPI, a Florida limited liability company. In August 2008, the Naylor Group Partners, LLC ("Naylor") made a capital contribution to HPI in exchange for a 50% ownership interest in HPI. In September 2011, HPI purchased all of the units owned by Naylor for $5.3 million plus financing costs of $135,000. HPI financed a portion of the purchase price by entering into a loan agreement with a bank for $4.3 million. The remaining purchase price was funded with HPI cash and a contribution from Michael Kosloske ("Mr. Kosloske"), our chairman, president and chief executive officer and the sole member of HPI.
In June 2012, we acquired an 80% interest in ICE, which conducts call center sales operations and trains third-party insurance agents to sell our products and is consolidated in the accompanying consolidated financial statements. On June 30, 2013, we purchased the remaining 20% interest in ICE, which is now a wholly-owned subsidiary.
In October 2012, HII was incorporated in the State of Delaware to facilitate our recently completed IPO.
On November 7, 2012, interests in the assets and liabilities of HPI were transferred to two subsidiaries, HPIH (99.0099%) and Health Plan Intermediaries Sub, LLC ("HPIS") (0.9901%), each of which was created in October 2012. On November 8, 2012, Health Plan Intermediaries II, LLC, a related party, made a capital contribution of $12,010 to HPIS, and that cash along with the 0.9901% interest was contributed by HPIS to HPIH in exchange for a 1.0% interest in HPIH.
We expect that future exchanges of Series B Membership Interests (together with an equal number of our Class B common shares) for shares of our Class A common stock (which Series B Membership Interests will immediately be recapitalized into Series A Membership Interests) will result in increases in the tax basis in our share of the tangible and intangible assets of HPIH. We expect that these increases in tax basis, which would not have been available but for our new holding company structure, will reduce the amount of tax that we would otherwise be required to pay in the future. We will be required to pay a portion of the cash savings we actually realize from such increase, or are deemed to realize in the case of an early termination payment by us, a change in control or a material breach by us of our obligations under a tax receivable agreement to the existing and certain future holders of Series B Membership Interests (HPI and HPIS, which are beneficially owned by Mr. Kosloske), pursuant to the tax receivable agreement. Furthermore, payments under the tax receivable agreement will give rise to additional tax benefits and therefore additional payments under the tax receivable agreement itself. HPIH is currently taxed as a partnership for federal income tax purposes; as a result, the members of HPIH pay taxes with respect to their allocable shares of its net taxable income. The earnings of HII are subject to federal income taxation.
On July 17, 2013, we entered into a stock purchase agreement with Joseph Safina, Howard Knaster and Jorge Saavedra, pursuant to which we acquired from the Sellers all of the outstanding equity of each in a licensed insurance broker, a call center and sales lead management company and an intellectual property holding company (that comprise "Secured"), for a cash payment of $10.0 million, plus approximately $6.7 million of contingent cash and equity consideration that is primarily tied to the performance of the acquired businesses. The funding of the $10.0 million cash portion of the purchase price was provided primarily from net proceeds from the IPO.
Key Business Metrics
In addition to traditional financial metrics, we rely upon the following key business metrics to evaluate our business performance and facilitate long-term strategic planning:
Premium equivalents
As the managing general underwriter of our individual health insurance plans and ancillary products, we receive amounts due in connection with our plans on behalf of the providers of the services. We refer to these total collections as premium equivalents, which typically represent a combination of premiums, fees for discount benefit plans (non-insurance benefit products that supplements or enhances an insurance product), fees for distributors and our enrollment fees. From premium equivalents, we remit risk premium, representing the amounts we collect and remit to carriers on their behalf, and amounts earned by discount benefit plan providers, who we refer to as third-party obligors, such carriers and third-party obligors being the ultimate parties responsible for providing the insurance coverage or discount benefits to the member. Our revenues consist of the balance of the premium equivalents.
We collect premium equivalents upon the initial sale of the plan and then monthly upon each subsequent periodic payment under each plan. We receive most premium equivalents through online credit card or ACH processing. As a result, we have limited accounts receivable. We remit the risk premium to the applicable carriers and the amounts earned by third-party obligors on a monthly basis based on the respective compensation arrangements.
We have included premium equivalents in this report because it is a key measure used by our management to understand and evaluate our core operating performance and trends, to prepare and approve our annual budget and to develop short- and long-term operational plans. In particular, the inclusion of premium equivalents can provide a useful measure for period-to-period comparisons of our business. However, premium equivalents does not represent, and should not be considered as, an alternative to revenues, as determined in accordance with U.S. generally accepted accounting principles ("GAAP"). Premium equivalents has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our results as reported under GAAP.
For the three months ended September 30, 2013, our premium equivalents were $26.0 million, compared to $20.8 for three months ended September 30, 2012, representing a year-over-year increase of 24.9%. For the nine months ended September 30, 2013, our premium equivalents were $72.3 million, compared to $54.5 million for the nine months ended September 30, 2012, representing a year-over-year increase of 32.5% in premium equivalents.
The following table presents a reconciliation of premium equivalents to revenues for the three and nine months ended September 30, 2013 and 2012 ($ in thousands):
Three Months Ended Nine Months Ended September 30, September 30, 2013 2012 2013 2012 Premium equivalents $ 25,977 $ 20,792 $ 72,256 $ 54,549 Less risk premium (10,576 ) (8,685 ) (29,686 ) (23,296 ) Less amounts earned by ) ) ) ) third-party obligors (652 (463 (1,752 (1,151 Revenues $ 14,749 $ 11,644 $ 40,818 $ 30,102
Plans in force
We consider a plan to be in force when we have issued a member his or her insurance policy or discount benefit plan and have collected the applicable premium payments and/or discount benefit fees. Our plans in force are an important indicator of our expected revenues, as we receive a monthly commission for up to six months for our six-month STM plans, up to 12 months for our 12-month STM plans and often more than 12 months for our hospital indemnity and discount benefit plans, provided that the policy or discount benefit plan is not cancelled. A member may be enrolled in more than one policy or discount benefit plan simultaneously. A plan becomes inactive upon notification to us of termination of its policy or discount benefit plan, when the member's policy or discount benefit plan expires or following non-payment of premiums or discount benefit fees when due. The following table presents the number of our policies in force by product type as of September 30, 2013 and 2012 (in thousands, except percentages):
As of September 30, 2013 2012 Change (%) STM 27,473 24,416 12.5 % Hospital indemnity 8,823 7,638 15.5 % Ancillary products 31,301 21,243 47.3 % Total 67,597 53,297 26.8 %
Non GAAP gross margin
We define non GAAP gross margin as revenue less third party commissions and credit card and ACH fees. Non GAAP gross margin does not represent, and should not be considered as, an alternative to revenues, as determined in accordance with U.S. GAAP. We have included non GAAP gross margin in this press release because it is a key measure used by our management to understand and evaluate our core operating performance and trends, to prepare and approve our annual budget and to develop short-term and long-term operational plans. In particular, the inclusion of non GAAP gross margin can provide a useful measure for period-to-period comparisons of our business. Non GAAP gross margin has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our results as reported under U.S. GAAP.
The following table presents a reconciliation of premium equivalents and revenues to non GAAP gross margin ($ in thousands):
Three Months Ended Nine Months Ended September 30, September 30, 2013 2012 2013 2012 Premium equivalents $ 25,977 $ 20,792 $ 72,256 $ 54,549 Less risk premium (10,576 ) (8,685 ) (29,686 ) (23,296 ) Less amounts earned by third party obligors (652 ) (463 ) (1,752 ) (1,151 ) Revenues 14,749 $ 11,644 $ 40,818 $ 30,102 Less third-party commissions 7,928 7,643 24,438 20,093 Less credit card and ACH fees 313 270 861 693 Non GAAP gross margin $ 6,508 $ 3,731 $ 15,519 $ 9,316
EBITDA and Adjusted EBITDA
We define EBITDA as net (loss) income before interest (income) expense, income taxes and depreciation and amortization. We have included EBITDA in this report because it is a key measure used by our management and board of directors to understand and evaluate our core operating performance and trends, to prepare and approve our annual budget, and to develop short- and long-term operational plans. In particular, the exclusion of certain expenses in calculating EBITDA can provide a useful measure for period-to-period comparisons of our business. However, EBITDA does not represent, and should not be considered as, an alternative to net income or cash flows from operations, each as determined in accordance with GAAP. Other companies may calculate EBITDA differently than we do. EBITDA has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our results as reported under GAAP.
To calculate adjusted EBITDA, we calculate EBITDA, which is then further adjusted for items that are not part of regular operating activities, including acquisition costs, contract termination costs, and other non-cash items such as non-cash stock-based compensation. Adjusted EBITDA does not represent, and should not be considered as, an alternative to net income or cash flows from operations, each as determined in accordance with U.S. generally accepted accounting principles, or U.S. GAAP. We have presented adjusted EBITDA because we consider it an important supplemental measure of our performance and believe that it is frequently used by analysts, investors and other interested parties in the evaluation of companies. Other companies may calculate adjusted EBITDA differently than we do. Adjusted EBITDA has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our results as reported under U.S. GAAP.
The following table presents a reconciliation of net income (loss) to EBITDA and adjusted EBITDA for the three and nine months ended September 30, 2013 and 2012 ($ in thousands):
Three Months Ended Nine Months Ended September 30, September 30, 2013 2012 2013 2012 Net income (loss) (1) $ 514 $ 894 $ (7,827 ) $ 2,586 Interest (income) expense (7 ) 67 14 194 Depreciation and amortization 423 229 913 771 (Benefit) provision for income taxes (823 ) - 472 - EBITDA 107 1,190 (6,428 ) 3,551 Non-cash stock based compensation 1,575 - 4,276 - Contract termination expense - - 5,500 - Acquisition costs 107 - 301 - Adjusted EBITDA $ 1,789 $ 1,190 $ 3,649 $ 3,551
(1) Net loss for the nine months ended September 30, 2013 includes a one-time expense of $5.5 million related to the termination of contract rights with TSG, a managing general agent of the Company. For further information, see Comparison of the Three and Nine Months Ended September 30, 2013 and 2012 below and Note 2 of the accompanying consolidated financial statements.
Results of Operations The following table is a summary of our statements of operations as a percentage of our total revenues. Three Months Ended Nine Months Ended September 30, September 30, 2013 2012 2013 2012 Revenues 100.0 % 100.0 % 100.0 % 100.0 % . . .


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Meme of the DayOctober 3, 2013
Picture of the DayJuly 15, 2013
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Getting Away With MurderJuly 13, 2013
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Say WHAAAAAAT????March 13, 2013


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Energy Star Rated - No
Enjoy fresh ice and water, thanks to the PUR® filtration system. Adjustable door bins in the refrigerator hold gallon-size containers, while SpillGuard™ glass shelves make cleanup easier. 5 door bins and 3 shelves in the freezer create optimal storage space. Plus, an ENERGY STAR® qualification indicates energy savings of up to 20%.
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Most Liked Positive Review
Great Frig
This is a s great frig for the price. Looks sharp, quiet, and holds temperature very well. I love the Pur water filter. It's easy to get to and replace.
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Quality Problems
I like all of the fratures of this unit. The problem arises with the quality of materials and design inside the unit. All of the "spill guard" shelves have cracked and...Read complete review
I like all of the fratures of this unit. The problem arises with the quality of materials and design inside the unit. All of the "spill guard" shelves have cracked and broken and both of the "slide out" drawers no longer slide out due to broken slides and edges of the drawers being broken off. I have already replaced one of the shelves ($60.00 w/shipping) and will be ordering two more along with two new drawers today. Quite an expensive proposition for a unit that is only a year old. I have another Whirlpool unit in my Fla. home that is about 5 years old. Never had any of these issues with it.
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By joybells
from Miramar, Florida
Comments about Whirlpool Satina Stainless Side-By-Side Refrigerator:
Ichoose my appliance because of long term reliability and experience
Bottom Line Yes, I would recommend this to a friend
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By M and M
from Burton, NB, Canada
Just buy it few month ago and I think I should keep my old whirlpool fridge top freezer because I add more space and easier to get what we want in the fridge.
Bottom Line No, I would not recommend this to a friend
Do not buy
By unknown1
from Colorado, United States
This refrigerator is the worst. It does not have enough room for you items and ice is constantly running out. Not worth the money or even buying this item.
great refrigerator..but
By Jim331
from Attica, MI, United States
we like this refrigerator real well. there is only one problem; the ice cube dispenser is virtually impossible to direct into a glass. we always have to pick up some ice on the floor.
By Bloop
from Palatine, IL, United States
I don't think I would have bought this model had I known that the drawers ran on Vaseline rather than rollers and tracks. I am concerned that the longevitive of the drawers will not equal the other features of of the referigator.
By bettyjo
from Olympia, WA, United States
I purchase this with the expectations of having Ice water. The water I receive from the frig is no colder than the water from the house tap it is very warm.
Great design worth waiting for !
By DFK 48
from Hollywood,Fla.
Love the new technology and cost savings of a new refrigerator. Everything featured on the appliance is very easy to use and very serviceable. Looks great in my kitchen and my friends have commented on how easy the ice machine and water dispenser is.
small size and a good price
By miss bcp
from Richmond, VA, United States
needed a new one and this one fit all my needs: price, color, ice maker, computer in deoor and much more.
By julmun
from Edmonton, AB, Canada
I get a nice product for the price. Work awesome. Happy with my choice
Terribly designed water/ice dispenser
By NanJZ
from Grand Rapids, MI, United States
We bought a condo and I needed a smaller refrigerator. But, I wanted a water and ice dispenser on the door. I HATE the water/ice dispenser. Ice gets all stuck together and any time I get ice from the outside door I also get ice on the floor. Also not easy to switch from water to ice. The refrigerator is fine... small but that's what I need. I'm thinking about buying another refrigerator with a better water/ice dispenser.
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Is Gnarls Barkley's "Gone Daddy Gone" (now playing at Stereogum) the best video of 2006?
Why, yes. Yes it is.
That's all.
Is Gnarls Barkley's "Gone Daddy Gone" (now playing at Stereogum) the best video of 2006?
Why, yes. Yes it is.
That's all.
not bad.. have to watch it at home.
HAHAHAHA that was great. an awesome end to my work week. thanks popwatch. hahaha
I love thier cd "ST. ELSEWHERE" and loved them LIVE in concert. I really hope they get "GONE DADDY GONE" to be a hit, they CAN'T be a one hit wonder!!! They're too awesomely rad!!! (YES I SAD RAD!!!)
Kind of reminds me of MC Pee Pants from Aqua Teen Hunger Force.
Admittedly disappointed that they chose a merely serviceable, unnecessary cover for their second single, but regardless, I'm behind the Barkley all the way! It helps that the video didn't bug me at all.
Ouch. Sorry.
MC Pee Pants! Totally!
This song is ruined by being associated with Dane Cook in the Employee of the Month ads. Also, i think its a poor choice of single.
Their CD let me down a bit, but I've said that before.
This reminds me of how, after watching Honey I Shrunk the Kids, I didn't want to step on any ants. Now I don't want to step on any bugs. But, if it's like that time with the ants, it will last for like 2 days.
hmm…i actually didn't like it that much. It kind of reminded me of Crazt Frog, and why did they pick such a weak song? I'd love to see a video for Transformer…now that would be cool.
yeah to be honest, I dislike this video. Just because it has animation and quirky images does not make it a great video. stuff like "got til its gone" by Janet Jackson, which is incredibly artful, make better videos than animation and crazy costumes.
Good video but really waiting for Just A Thought, that song is heartbreaking and beautiful.
Violent Femmes Comeback? Will someone remake Kiss Off? Please someone do it!!!
Not the song I would've picked for a single, but that awesomely insane video makes up for it!
Whatever happened to "Smiley Faces?" They did a video for that, and it never seems to have caught on. Which is a shame, because that's a great song!
I didn't realize the Violent Femmes changed their name to Gnarls Barkley. And when did Gordan Gano become british, 400 lbs. and black?
Have not seen the video but have the album; "Gone Daddy Gone" is a stellar choice for second single. i remember hearing it for the first time -I was in my car – and just about needed to pull to the side of the road I was bouncing so much.
Gnarls Barkley deserve another radio hit, and this should definitely do the trick.
The Real Housewives of AtlantaComments +


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Cardinals, including U.S. Roger Mahony, left, and Timothy Dolan, third from left, arrive for a meeting at the Vatican, Monday March 11, 2013. Cardinals have gathered for their final day of talks before the conclave to elect the next pope amid debate over whether the Catholic Church needs a manager pope to clean up the Vatican's messy bureaucracy or a pastoral pope who can inspire the faithful and make Catholicism relevant again. (AP Photo/Alessandra Tarantino)
VATICAN CITY (AP) -- Black smoke is billowing from the chimney of the Sistine Chapel, meaning Roman Catholic cardinals have not elected a pope in their second or third rounds of balloting.
Cardinals voted twice Wednesday in Michelangelo's famed frescoed chapel after a first vote Tuesday in a conclave to elect a successor to Benedict XVI, who stunned the Catholic world last month by becoming the first pope in 600 years to resign.
The conclave was called after Pope Benedict XVI resigned last month, throwing the church into turmoil and exposing deep divisions among cardinals tasked with finding a manager to clean up a corrupt Vatican bureaucracy as well as a pastor who can revive Catholicism in a time of growing secularism.
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"This bread is now my new banana bread recipe! We all loved it!! It\'s recipes like this one that make me feel proud when I\'m done baking! I added walnuts instead of chocolate chips just because I love walnuts in banana bread and I\'m not a big fan of chocolate chips. It was wonderful! Thanks for sharing this recipe with us!"
"These were good. I like that they were not too sweet and my kids liked them too. I made them with walnuts and that was my favorite part. The flavors went well together."
"Unlike other raters, I did not change a thing ao add a thing to this recipe. These pancakes were just ok. Not the best but not the worst I've ever had. They were quite heavy and the batter was thick enough that it doesn't even pour. I'm not sure how to describe it, but I was a bit disappointed. The flavor was fine though. "
"I've been looking for a zucchini bread recipe that would taste as good as the ones my grandmother used to make. This is the one!Thank you!I added chopped walnuts and followed the recipe exactly. My kids were not so eager to try "zucchini" since I never by it because I hate it myself. But for some reason, I always loved zucchini bread. They tri..."
"Just like KMT stated in her review... This IS hands down the BEST drink ever! I didn't know she substituted the concentrate so I will have to try it the other way too now.Fantastic Tracy! Thanks!"
"These cookies are sooooo good! I made them 2 days ago and if I hear "Mom!!! Can I have another cookie?!" One more time I may never make them again.(No, I will make them again!) All of the sudden dessert follows breakfast and lunch in my house? Hahaha Thanks for sharing!"
"These were great! I made 10 mini ones as a side instead of as the main dish. I also added fresh black pepper, a little cayenne pepper and lemon zest just because I knew we would like those flavors. I topped each one with a spray of lemon juice and a spoon of my tartar sauce (mayo, relish, lemon juice/zest, cayenne, dill). My whole family loved the..."
"I was so impressed with this idea! They were YUMMY and addictive! I think next time we should try dipping mini marshmallows to make little ones you can eat by the handfull!"
"This was FANTASTIC! I am going to bottle this spice mix! I made whole snapper and chicken (I won't eat eyeball and bone in fish). My DH said the snapper was the best fish he's had in a long time and the boys and I were thrilled with the chicken. I'm so glad I tried this recipe! Thanks so much! "
"This is one of my favorite dishes. I was going to post it myself but when I saw it was here already I figured I would just share the photo. Make sure you use THIN sliced pancetta and NEVER add salt. "


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It's stunning how many of our Warriors report that their NCO's and others have responded to their PTSD with "you need to get over it." This young soldier is one of those and fortunately we have him to tell it like it is and for that I salute him.
I hope that you will share this in order to educate those in the community who do not know how important it is to be there for our Warriors. He is so right. They need to tell their stories. They need care providers who will interact with them on a regular basis. If this soldier would have had someone to listen to the undercurrents of his frustration chances are he would not have been self-medicating with alcohol and he would not have lost it.
I hope this brings you to tears as it did me. Perhaps this will be the impetus needed to see that we can set a new course for them but it takes an entire nation to get on the same page, including care providers, those in the judicial system, family and community members, military leaders, etc. He and his fellow Warriors deserve nothing less from us who are free because of their sacrifices.


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RELEASED: Feb. 5, 2008
EAU CLAIRE — Popular Minneapolis-based pop-punk band Quietdrive will headline a Feb. 16 concert at the University of Wisconsin-Eau Claire. Doors will open at 7 p.m. in the Council Fire Room of Davies Center.
Formed in 2002, Quietdrive released its Epic Records debut, "When All That's Left Is You," in 2006. "Rise from the Ashes," the first single from the album, was featured on the soundtrack for the EA Sports videogame "NHL 2007." Quietdrive was named Artist of the Month on Xbox Live in January 2007.
Quietdrive toured extensively throughout 2006 and 2007. Its cover of the Cyndi Lauper song "Time After Time" was used in WNBA promotions, featured on the soundtrack for the 2006 film "John Tucker Must Die," and featured in the trailer for the 2008 remake of the horror film "Prom Night." The song also reached No. 33 on the American Top 40 syndicated countdown show. Quietdrive continues to tour and will record a new album early this year.
Madison-based alternative rock band The Box Social also will perform at the Feb. 16 concert. Influenced by groups ranging from Tom Petty & The Heartbreakers to Sonic Youth, The Box Social presents hooky, energetic songwriting coupled with exciting live shows. Opening the show will be Minnesota-based rock band The Soviet Machines.
Tickets are $10 ($8 for UW-Eau Claire students) at the Service Center in Davies Center's east lobby and will be sold at the door. The show is open to all ages. Proof of age will be required for alcohol purchases.
Patrons can charge tickets to MasterCard or Visa when they order by phone. Call 715-836-3727 — or, outside the immediate Eau Claire area, call toll-free 800-949-UWEC. A $3 handling fee will be added to telephone charge orders.
The concert is sponsored by the University Activities Commission of the UW-Eau Claire Student Senate.
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