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Press release from Marketwire
Revett Reports Q1 2012 Operations
Monday, April 30, 2012
Revett Reports Q1 2012 Operations11:00 EDT Monday, April 30, 2012SPOKANE VALLEY, WASHINGTON--(Marketwire - April 30, 2012) - Revett Minerals Inc. (NYSE Amex:RVM) (TSX:RVM) is pleased to announce first quarter 2012 production results from its Troy Mine, located in northwest Montana. Currency is reported in United States dollars unless otherwise indicated.Troy Mine Q1 2012 Operating Highlights include:Net cash from operations(1) for the quarter ending March 31, 2012, before capital expenditures was $7.5 million. A 135% increase over Q1 2011 net cash from operations of $3.2 million.Mill throughput for the first quarter was 331,523 tons processed, averaging 3,684 tpd for the period as compared to 291,690 tons (3,277 tpd) in Q1 2011. This is an improvement of approximately 12.5% over the comparable period in 2011.Silver production of 324,375 ounces averaging throughput grades of 1.12 oz/ton for the period. A production improvement of 32% over Q1 2011.Copper production of 2,249,111 pounds averaging throughput grades of .40% for the period. A production improvement of 13% over Q1 2011.There were no lost time accidents reported during Q1 2012. Our MSHA calculated Incidence Rate for Q1 2012 is 2.05 as compared to a national underground average for 2011 (latest available statistic) of 2.21. As at end of March 2012, it has been 400 days, and 419,030 man hours worked since our last lost time accident.Development work continues in the north C Bed decline and production ore is expected to be accessed by August 2012. In addition, pending final state and federal agency approvals, we expect to commence I Bed development in September, 2012. Development of the I Bed mine area will take approximately two years to complete.Production for the first quarter 2012 was approximately 8% below our previously announced guidance of 4,000 tpd primarily due to availability and retrofitting of equipment as we move towards higher bio-fuel usage and meeting revised DPM (diesel particulate matter) emission standards. Lower than planned copper grades were encountered as we advanced top slicing in the C Bed area and as a result of increased lower grade production from the South Ore Body.Taking into consideration adjustments for seasonal factors, along with slight variations of our mine work plan, our 2012 production guidance of 1.4 million ounces of silver and 11.5 million pounds of copper remains unchanged.Troy Production SummaryJanuaryFebruaryMarch1st Quarter 20121stQuarter 2011Mill ProductionMill Feed (st)122,66197,506111,356331,523291,690Mill Feed Rate (stpd)4,0893,3623,5923,6843,277SilverFeed Grade - Oz/Ton Ag0.918.104.22.168.02Mill Recovery - Ag85.9%88.8%87.4%87.3%82.2%Recovered Ounces104,277103,876116,222324,375245,068CopperFeed Grade - % Cu0.38%0.44%0.38%0.40%0.44%Mill Recovery - Cu85.1%86.2%85.8%85.7%77.8%Recovered Pounds782,620734,892731,5992,249,1111,998,410Cash Cost(2)Direct Operating Cost (US$/st)$33.86$33.23By-Product Basis (payable)- Silver (US$/oz) or,$9.23$11.99- Copper (US$/lb)$0.47$2.05Co-Product Basis (payable)- Silver (US$/oz) and,$20.94$19.37- Copper (US$/lb)$2.35$2.76Concentrate Inventory- Dry Short Tons304512- Silver (oz)30,85740,956- Copper (lbs)222,131342,609Sales- Silver (oz)296,765200,708- Copper (lbs)2,199,8781,756,915Net Cash from Operations(1)$7.5m$3.2m1. Net cash from operations is before capital expenditures and exploration and is a non GAAP measure. The Company believes that net cash from operations is a benchmark for performance and is well understood and widely reported in the mining industry. 2. All cash costs include direct mine site costs along with smelting, refining and transportation charges. Average commodity prices used to off-set (by-product credit basis) or allocate (co-product basis) cash costs are the monthly weighted average realized prices based on invoiced shipments. Cash costs per payable ounce of silver or payable pound of copper is a non GAAP measure. The Company believes that, in addition to cost of sales, cash costs per ounce and per pound are a useful and complementary benchmark for performance and is well understood and widely reported in the mining industry. However, cash costs per ounce does not have a standardized meaning prescribed by US GAAP. Investors are cautioned that cash costs per ounce or per pound should not be construed as an alternative to cost of sales determined in accordance with US GAAP as an indicator of performance. The Company's method of calculating cash costs per ounce or per pound may differ from the methods used by other entities and, accordingly, the Company's cash costs per ounce or per pound may not be comparable to similarly titled measures used by other entities. Release of Quarterly Financial Results and Conference Call Revett plans to release financial results for the first quarter on Thursday, May 10, 2012 and hold its quarterly conference call on Friday, May 11, 2012 at 11:30am Eastern Time. To join the conference call dial 1-888-231-8191 or 647-427-7450 internationally. About Revett Revett, through its subsidiaries, owns and operates the currently producing Troy Mine in Lincoln County, Montana and development-stage Rock Creek Project located in Sanders County, Montana, USA. The proven reserves at the Troy Mine and significant resources at the Rock Creek project form the basis of our plan to become a premier mid-tier base and precious metals producer. Revett plans on expanding production through exploration in and around its current properties, as well as through targeted business combinations of advanced stage projects.John Shanahan, President & CEO Except for the statements of historical fact contained herein, the information presented in this press release may contain "forward-looking information" within the meaning of applicable Canadian securities legislation and "forward-looking statements" within the meaning of The Private Securities Litigation Reform Act of 1995. Generally, these forward looking statements can be identified by the use of forward-looking terminology such as "expects", or "does not expect", "is expected", "is not expected", "budget", "plans", "schedule", "estimates", "forecasts", "intends", "anticipates", "or does not anticipate" or "believes" or variations of such words and phrases or state that certain actions, events or results "may", "could", "would", "might" or "will", "occur" or "be achieved". Forward-looking statements contained in this press release include but are not limited to statements with respect to estimated production for 2012 and anticipated development work in the north C bed decline and I bed. Forward-looking statements are necessarily based upon a number of estimates and assumptions that, while conidered reasonable by management, are inherently subject to significant uncertainties, risks and contingencies. Actual production and development could be affected by development risks and production risks which may include a range of issues such as grades, equipment failure, accidents, and geologic formations and unanticipated cost increases as well as those factors discussed in the section entitled "Risk Factors" in the Form 10-K filed on SEDAR at www.sedar.com and with the SEC on EDGAR. Although the Company has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated or intended. There can be no assurance that such statements will prove to be accurate results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking statements. Revett does not undertake to update any forward-looking statements, except as required under applicable laws.FOR FURTHER INFORMATION PLEASE CONTACT: Monique HayesRevett Minerals Inc.Corporate Secretary/Director of Investor Relations(509) 921-2294www.revettminerals.com

subset: commoncrawl


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Originally written on Fox Sports Florida | Last updated 12/31/12
Game time: Tuesday at 1 p.m. ET TV: ESPN Both Brady Hoke and Steve Spurrier are trying to take that last step that will vault their respective programs into the nation's elite. The two coaches look for clues how to achieve that for next season on Tuesday when Michigan plays South Carolina in the Outback Bowl in Tampa, Fla. No. 19 Michigan (8-4) finished second to Nebraska in the Legends Division of the Big Ten, and three of its losses came to the top three teams in the country - No. 1 Notre Dame, No. 2 Alabama and No. 3 Ohio State - as well as the Cornhuskers. The Wolverines were unable to prevent their archrivals from completing an unbeaten season, losing 26-21 to the Buckeyes on Nov. 24 after failing to score in the second half. Despite failing to come away with a victory in any of those marquee games, Hoke thinks his team will apply lessons learned from those defeats in this contest. "I think it's always a benefit when you play good football teams whether you win or lose," he...
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Copy URL copies existing post or page permalinks to the clipboard.
Easy 1 step intall and works like a dream.
This is just what I have been looking for. I always had to lookup up my pages and highlight the permalinks to copy it for use in creating my links.
Copy URL works like a charm! :)
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John J. Meurer
WINDTHORST — John Joseph Meurer, 94, passed away Friday morning, June 10, 2011, at his home in Windthorst, Texas.
A vigil service and rosary will be held at 7 p.m. on Sunday, June 12, 2011, at St. Mary's Catholic Church in Windthorst. Funeral mass will be celebrated at 10:30 a.m. on Monday June 13, 2011, at St. Mary's Catholic Church in Windthorst with Rev. David Kraeger officiating. Interment will follow in St. Mary's Cemetery under the direction of Aulds Funeral Home of Archer City.
John, a life-long resident of Windthorst, died on the same family farm where he was born on October 10, 1916, to Charles Fred and Catherine Knabe Meurer.
He married Bernice Litteken, his wife of 52 years, on December 29, 1937, in Corpus Christi, Texas. She preceded him in death on September 23, 1990. Together, John and Bernice owned and operated a dairy for 50 years. In the late 1940's, John brought many of the first Holstein cows to Windthorst from Wisconsin. After retiring from the dairy business, he and his wife started a cow/calf business which he continued to operate for over 20 years. In addition to his cattle interests, he was also an avid farmer.
He was recently preceded in death by a daughter, Connie Steinberger, on January 14, 2011. Also preceding him in death were his parents; one brother, Arnold Meurer; and four sisters, Lillian Thoele, Ida Mae Hoff, Henrietta Turpin, and Gertrude Schroeder.
John is survived by a daughter, Darlene Frerich of Wichita Falls; eight grandchildren, Cathy Wolf and husband, Gene of Windthorst, Charles Steinberger and wife, Rhonda of Windthorst, Ray Steinberger of San Diego, California, Jerry Steinberger of Wichita Falls, David Frerich and wife, Mandy of Spring, Texas, Rhonda Schreiber and husband, Glen of Wichita Falls, Jason Frerich and wife, Maritza of Spring, Texas, and Allison Fletcher and husband, Josh of Lewisville, Texas; 15 great-grandchildren; and two great-great-grandchildren.
Pallbearers will be grandsons, Charles Steinberger, Ray Steinberger, Jerry Steinberger, David Frerich, Jason Frerich and great-grandsons, Cody Wolf and J.D. Steinberger.
Memorials may be made to The Connie Steinberger Memorial Scholarship Fund, P.O. Box 190, Windthorst, Texas 76389; St. Mary's Church, P.O. Box 230, Windthorst, Texas, 76389; or Hospice of Wichita Falls, 4909 Johnson Road, Wichita Falls, Texas, 76310.
The family would like to extend a special thank you to the caregivers who made it possible for John to remain in his home until his death. They would also like to express their appreciation to everyone who helped in any way, from the daily operations of the farm to stopping by for a visit. It was comforting to know that he was shown so much kindness and support.
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Nokia N95 gets blinged
You'd blind half the room when you whip out this little beauty - the diamond encrusted Nokia N95 from Continental Mobiles.
The handset features a smooth Sterling silver front panel that has been festooned with 4.42 carat of brilliant-cut, VS1 quality, naturally mined diamonds.
And it's only £10,000. We'll take two.


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Insteel Industries Announces Launch Of New Corporate Logos PR Newswire MOUNT AIRY, N.C., Jan. 4, 2013 MOUNT AIRY, N.C., Jan.4, 2013 /PRNewswire/ --Insteel Industries, Inc. (NasdaqGS: IIIN) today announced the launch of new corporate logos for the Company and its wholly-owned subsidiary, Insteel Wire Products Company. (Logo:http://photos.prnewswire.com/prnh/20130104/CL31002LOGO-a) (Logo: http://photos.prnewswire.com/prnh/20130104/CL31002LOGO-b) Insteel's business has grown and evolved over the years as it has narrowed its strategic focus and achieved leadership positions in its markets. With these changes, it became clear that it was time to refresh the logos to reflect a more contemporary look and increase the recognition of Insteel's brands. The redesign incorporates certain elements of the former logos while improving on their visual impact and conveying Insteel's products and construction end markets. The new logos will be rolled out in Insteel's marketing material, investor communications and on the Company's website (http://www.insteel.com/). About Insteel Insteel is the nation's largest manufacturer of steel wire reinforcing products for concrete construction applications. Insteel manufactures and markets prestressed concrete strand and welded wire reinforcement, including engineered structural mesh, concrete pipe reinforcement and standard welded wire reinforcement. Insteel's products are sold primarily to manufacturers of concrete products that are used in nonresidential construction. Headquartered in Mount Airy, North Carolina, Insteel operates nine manufacturing facilities located in the United States. SOURCE Insteel Industries, Inc. Website: http://www.insteel.com Contact: Michael C. Gazmarian, Vice President, Chief Financial Officer and Treasurer, Insteel Industries, Inc., +1-336-786-2141, Ext. 3020
Insteel Industries Announces Launch Of New Corporate Logos
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Run Brad, Run!!
Run Brad, Run!!
Ladies and Gentlemen, please give it up for Mr. Bradley Shoemaker!
"Yeah, let's try that."
"Not even trying to engage her on her own terms."
And a website community rejoices.
I lol'd so hard at "You asshole".
I loved Brad falling back into his old ineffective strategy and Ryan going nuts about it.
I don't know if Brad reads these or if it is to late, but using the shotgun or magnum on the wall ladies will go much faster. The grab animation is so slow that you have plenty of time to shoot her with the shotgun. Don't forget to use your auto lock on her.
" I know they're trying to keep the runs seperate, but VJ should definitely share their wall lady strategy. Would be at least twice as fast, and a lot less dangerous. "This. It's just not clicking for Bradley.
" I loved Brad falling back into his old ineffective strategy and Ryan going nuts about it. "
Yup, Brad snapping at the 25 minute mark and Ryan being Ryan saved this episode.
"Fuck you, BITCH"
" BR needs to learn from VJ when it comes to killing the Wall Ladies. "I agree. Brad continually tests my patience in combat.
You'd think that when those wall ladies come around, its a good time to bust out the shotgun and not that piddly SMG.
And the Wall-Crawlers bring out the tension again. As I'm to understand it, these should be the last of these fuckers for the rest of the game (maybe one more round).
Nothing stops the money train!
"I love how the attitudes are at completely opposite ends for the two teams while fighting the ladies. BR is in a total "Oh god no, let's try to get through this and not spend too much of our medkits" mode while VJ is all "So...how have you been?" "
Good fucking episode! Brad valiantly charging into melee, hitting the lady, breaking the pipe and getting butchered very predictably was priceless.
But seriously, you did well with this rough sequence of wall-crawling ladies. There still were a few funny decisions during combat, especially going back to the trainwreck-strategy after clearly having figured out a more effective way to kill the enemy, but considering the significant flaws DP has in gamedesign and combat in general you definitely seem to be well on track for now!
And you can't fault them for not paying a whole lot of attention - it drives me nuts, but that's their choice...
I have to confess, that for the very first time I skipped through chunks of this video. I've never skipped through a Giantbomb video before, but watching Brad fumblingly kill more wall ladies for half an hour is more than I can bear.
@ Ventilaator - I'm totally with you on this one. It's why I enjoy VJ so much more. They are so much more relaxed about it all.
I skipped through most of this episode. Not because of Brad and Ryan, but because the part they were at was boring and I have already seen it in VJ's ER. I'll go back and watch it in full soon just for Brad and Ryan's commentary.
I think you're cool Brad :(
" It's not just Brad's fault, Ryan should help Brad and think of a strategy too. "Ryan gives him strategies. I, personally, just don't feel that Brad follows them properly. It's like Brad forgets how to handle certain situations between episodes.
" Brad: "To everyone saying all our misfortunes are my fault, you can shove it up your f'ucking ass" Haha, that's funny due to the irony. "Yeah, as much as I feel that some people are a bit too harsh toward him, I do feel that Brad has some very questionable play tactics. While not *all* of the misfortunes are his fault, I'd say that a good number of them are. I'm just hoping that he figures out the trick behind the wall crawlers in this episode. Based on some of the comments, I have a feeling that I won't be disappointed.
Oh come on Brad;
Run past her, then after she turns red and does her little grab animation hit her with the melee! (She should still be glowing red for a while after her grab animation)
Hope they figure out the VJ strategy for the wall ladies
" @moji22 said:Yea I agree too. Sure the game has many faults but Brad definitely needs to change the way he plays the game and try a different strategy. He wouldn't have been attacked after his pipe broke if he realized it was about to break and DIDN'T use the pipe. I played the game and yes it isn't great, but you have to admit when it was definitely was your own fault." BR needs to learn from VJ when it comes to killing the Wall Ladies. "I agree. Brad continually tests my patience in combat. "
Bare in mind that Brad and Ryan haven't fought as many wall ladies as Jeff and Vinny (they did that haunted place to get the infinite shotgun), so they haven't had the opportunity to learn the fast method like they did. But they found it out by the end, so it's all good.
I think Brad being in the run-mode, with the LRLRLRLRLRLRLRLR prompt sitting there for a full 4.5 seconds (I counted) and yet he doesn't press it ONCE, instead deciding to sit there and murmur "oh god", really emphasizes why he should not be a professional game critic. I'm not saying he shouldn't die occasionally in games, or should be the most perfect player in the world...but someone getting a salary for playing video games should have the hand-eye coordination required to play games accurately.
I can just hear Jeff shouting "RUN!" "TURN!" "SHOOT!" throughout this episode. That being said, I spent more time reading comments while the episode went on than actually watching the wall lady fights.
Whoa, why are the volume levels so different between today's episodes? I have a pretty mean speaker setup, so maybe I notice it more than most. I also noticed a huge discrepancy between ERs and the Red Dead QL yesterday.
Still, how are you guy's normalizing the audio for all your videos? I tend to find that GB videos are quieter than most Internet videos out there.
brutal episode...
Sorry Brad but it is still your fault for using the Steel Pipe in the first place.
I'm so glad Brad finally found the effective strategy to kill those wall crawlers. I only wish he would've figured it out sooner as those were the last batch he'll ever have to fight.
Oh, and by the way Brad, it is all your fault.
The definition of insanity is doing the same thing over and over again and expecting different results.
I only have one thing to say, "RUN! , TURN! , SHOOT!"
" The definition of insanity is doing the same thing over and over again and expecting different results. "Perfect.
" I think Brad being in the run-mode, with the LRLRLRLRLRLRLRLR prompt sitting there for a full 4.5 seconds (I counted) and yet he doesn't press it ONCE, instead deciding to sit there and murmur "oh god", really emphasizes why he should not be a professional game critic. I'm not saying he shouldn't die occasionally in games, or should be the most perfect player in the world...but someone getting a salary for playing video games should have the hand-eye coordination required to play games accurately. "If by 4.5 seconds you mean 2 seconds, I partly agree. You counted from when he was grabbed, not when it prompted him. That might sound nit-picky, but if you're going to go out of your way to attack someone's personal credibility, you should come into the conversation with some of your own to start off. Brad is not the best at video games but I suppose he represents that demographic in the market. I personally have difficulty watching him criticize game mechanics he seems to be choosing not to learn his way around, but if you keep his comments in context with his style of gameplay, and realize there are plenty of people out there who aren't great at games but still enjoy them, it's reasonable.
I think it's funny people think there is logic in DP...
oh BTW, you might wanna check that Toolbox, something tells me that Panda Bear might have some goodies in there... just saying.
Stop ragging on Brad he is an inspiration for all retarded gamers everywhere.
Those pesky wall-crawlers almost ruined the game for me. tbh the only surefire safe way I found to deal with them is what Jeff/Vinny does: run under them so they do their attack but will miss you, then immediately turn around and shoot.
Takes fucking forever though. :(
" Brad: "To everyone saying all our misfortunes are my fault, you can shove it up your f'ucking ass" Haha, that's funny due to the irony. "I lol'd.
You all are giving Brad quite the bad rap. I didn't know playing a poorly designed game well was the pure epitome of gaming skill.
Man discovering fire --> Man inventing the wheel --> Brad & Ryan figuring out the wall ladies
Well I'm embarrassed. Judging by all the comments I am the only person on the internet who thinks he would be doing far worse than Brad.
I guarantee I would need to find a FAQ to get past those wall crawlers and when you factor in the tank-like controls would still die repeatedly getting past them.
Then when I add in the prospect of attempting all this while getting ripped on my own web site and having every twitch I made recorded in minute detail...(shudder)
Although I would be worse, compared to me Brad's handling of a controller looks like a concert pianist, I appear to have ten toes on my hands while trying to work one.
So since this is more how my experience would be, I don't want the two teams to pass info between them. Then it would just be two copies of the same thing, right?
This is why I watched every second of the Star Trek Online beta, because Brad was driving that as well. I want someone to hit every control, try to go every place and do every thing just to see what is possible in the game.
It's a wickedly tempting to assume I would do everything perfectly while watching someone else perform a task.
Semper Fi, Brad. Drive on.
What's with the constant whining? If you don't like how Brad plays - why even watch? And to question wether he shoud be a game journalist considering how he, allegedly, "suck at games"... seriously?
I really like how Ryan is getting into the atmosphere here. I admit I was a little freaked out by this game in a few episodes.
" @nxau: Yes, seriously. Game reviewers should have basic concepts of game-playing down. Whether or not a person decides to be mean about it is up in the air, but from watching all this (and a multitude of quick looks) it's clear that Brad lacks the ability to play games appropriately. The dying doesn't matter quite as much as the lack of hand-eye coordination. "I think you are confusing the basic requirements for being a professional gamer with being a gaming journalist. It really isn't necessary to play games to perfection to write about them. Completing them, having the deepest possible knowledge about the industry and having good writing skills are, unless you are doing games journalism for professional gamers of course. Then you would be correct.
That got a little ugly.
Can't believe they still haven't found the magnum or machine gun. Go and shop at Panda Bear in the weapon box. Also I'm curious to know why they don't change players after each episode.


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VIEWS: 3,277 PAGES: 15 CATEGORY: Corporations - Forming a Corporation POSTED ON: 1/13/2010 Public Domain
This is a step-by-step guide on how to form an S corporation. An S corporation offers a unique set of benefits that some businesses find extremely advantageous. Generally, S corporations do not pay any federal income taxes. However, the corporation's income or losses are divided among and passed through to its shareholders and the shareholders must report the income or losses on their own individual tax returns. This guide is ideal for small businesses that want to learn more about S corporations and their benefits and disadvantages.
This is a step-by-step guide on how to form an S corporation. An S corporation offers a unique set of benefits that some businesses find extremely advantageous. Generally, S corporations do not pay any federal income taxes. However, the corporation's income or losses are divided among and passed through to its shareholders and the shareholders must report the income or losses on their own individual tax returns. This guide is ideal for small businesses that want to learn more about S corporations and their benefits and disadvantages. Table Contents How to use this Guide: ........................................................................................................ 3 Do I need a lawyer? ............................................................................................................ 3 How do I find a reputable law firm? ................................................................................... 3 Frequently Asked Questions ............................................................................................... 4 What is an S-Corporation? .............................................................................................. 4 How do I elect for S-corporation status? ........................................................................ 4 What are the requirements for an S-Corporation? .......................................................... 4 Can I create an S-corporation without an attorney or accountant? ................................. 5 Are there restrictions regarding the sale of S-corporation stock? ................................... 5 What does the "Subchapter S" mean? ............................................................................ 5 Who can be an S-election shareholder? .......................................................................... 6 How are profits distributed?............................................................................................ 6 Can a sole proprietor become an S-corporation? ............................................................ 6 Does an S-corporation provide better limited liability protection than an LLC? ........... 6 What is an S-corporation shareholders agreement? ........................................................ 7 Can I incorporate an existing business? .......................................................................... 7 Can I change an S-corporation to a C-corporation?........................................................ 7 Does incorporating create a tax shelter? ......................................................................... 7 What is a Qualified Subchapter S Subsidiary? ............................................................... 7 When should you not file for S-corporation status? ....................................................... 7 What is a better business structure, S-corporation, a C corporation or an LLC? ........... 8 Can I use an S-corporation for real estate investing? ..................................................... 8 If I am moving, in which state should I set up in new S corporation?............................ 8 Can I incorporate my business in another state? ............................................................. 9 What if I missed the S-election deadline?....................................................................... 9 With more than one business, should I have more than one S-election? ........................ 9 What tax-free benefits…. to shareholders and employees of an S-corporation? ............ 9 How do states treat S corporations? .............................................................................. 10 Is the accounting more complicated for an S-corporation? .......................................... 10 How are dividends taxed? ............................................................................................. 10 What is an S-election K-1 form? .................................................................................. 10 How low can you set salaries? ...................................................................................... 10 What happens if an S-corporation is not profitable? .................................................... 11 When does an S-corporation pay income tax? .............................................................. 11 Should an S-corporation employ the owner's spouse or children?............................... 11 How do I dissolve an S-corporation? ............................................................................ 11 Can you unintentionally terminate an S-election? ........................................................ 12 Are there any rules for choosing a name for an S-corporation? ................................... 12 Steps in filing for an S-corporation ................................................................................... 12 Creating an S-corporation is relatively simple: ............................................................ 12 Filing Fees and Deadlines ................................................................................................. 13 Filing Fees ..................................................................................................................... 13 Deadlines: ..................................................................................................................... 13 Advantages and Disadvantages of S-corporations ............................................................ 14 Advantages .................................................................................................................... 14 © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 2 GUIDE TO FORMING AN S-CORPORATION HOW TO USE THIS GUIDE: Deciding on the structure of your new business is an important decision. Each type of business structure has its advantages and disadvantages. An S-corporation offers a unique set of benefits that some businesses find extremely advantageous. This guide will provide the reader with information about forming an S-corporation, and explore the advantages and disadvantages. It will also address some frequently asked questions when dealing with S-corporations. This guide is not intended as a substitute for sound legal advice. If you have any questions about corporate formation it is recommended that you contact an attorney. DO I NEED A LAWYER? It is possible to create your own corporation and file for S-election status on your own. This would be reasonable for a simple corporation, with little to no complicated transactions and a small amount of shareholders involved. The more complex the case, the more it is recommended that you seek a lawyer's advice. HOW DO I FIND A REPUTABLE LAW FIRM? If you have decided to retain a lawyer, you will want to find a firm and lawyer with plenty of experience and a great track record. Make sure that you find a lawyer that specializes in real estate law. The legal field is vast, and a lawyer needs to be specialized in a particular field. Some lawyers may take any type of case just to keep the money coming in, but they are not necessarily well versed in one particular subject. Check your phone book, the internet, your local bar association or word of mouth to get the names of a few good lawyers. Most will meet for you the first time for free. Use this time to interview them. What is the lawyer's experience, how much do they charge, and what can you expect to get for your money by hiring him or her? © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 3 FREQUENTLY ASKED QUESTIONS What is an S-Corporation? An S-corporation is a corporation that has elected to be taxed under Subchapter S of Chapter 1 of the Internal Revenue Services Code. As a general rule, S Corporations do not pay income taxes. The profit or loss of the corporation is passed through to its shareholders. This concept is single taxation, where only the profits of the shareholders are taxed. This can be distinguished from a C Corporation. In this instance the corporation's profits and the shareholder distributions would be taxed, resulting in double taxation. How do I elect for S-corporation status? The election for S-corporation status comes very shortly after a corporation has been created. Once the Articles of Incorporation have been filed, it is necessary to file IRS Form 2553 with the Internal Revenue Service. There is a very critical deadline; this form must be filed absolutely no later than the 15th day of the third month following its date of incorporation. What are the requirements for an S-Corporation? In order to qualify as an S-corporation the following requirements must be met: a) Every shareholder must be a U.S. resident; b) Profits and losses of the shareholders can be apportioned only in relation to each shareholders interest in the business; c) A shareholder cannot deduct more losses than his or her basis in corporate stock (it must equal their investment); © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 4 d) S-corporations may not have more than 100 shareholders. Spouses are treated as a single shareholder. e) They cannot be owned by C-corporations, other S-corporations, some trusts, LLCs or partnerships; f) The corporation must be a domestic corporation. Can I create an S-corporation without an attorney or accountant? Yes, it is possible to set up a corporation and do the filing for the S-election without aid of a lawyer or accountant. The forms and directions necessary to create the corporation can be accessed through the Secretary of State's office of the given state you are dealing with. The IRS form 2553 necessary for the S-election can be obtained online from the IRS. Procedures for both are relatively simple. Take care to mind filing deadlines, and be sure that the entity is set correctly. Are there restrictions regarding the sale of S-corporation stock? S-corporations have freely transferable stock, so shareholders are able to sell their interest at will. What does the "Subchapter S" mean? Subchapter S refers to a group of sections from the IRS Tax Code. Specifically, Subchapter S refers to Sections 1361 through 1379 of the Tax Code and deals with small businesses. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 5 Who can be an S-election shareholder? a) Shareholders can be individuals, estates, certain organizations or certain trusts, tax- exempt charitable organizations, and other S-corporations (only if the other S- corporation is the sole shareholder). b) Company may not have any non-resident alien shareholders. How are profits distributed? Profits are allocated in proportion to each shareholder's percentage of ownership. Can a sole proprietor become an S-corporation? Yes. A one person business can become an S-corporation. There are several issues to consider before converting to an S-corporation however. There will probably be a savings in terms of taxes paid, but there will be a considerable increase in paperwork required to run the business. There will also be additional operational costs if you become an S-corp. such as federal unemployment tax and accounting expenses. Does an S-corporation provide better limited liability protection than an LLC? Both an S-corporation and a LLC provide the owners a degree of asset protection. Some argue however that an LLC actually may provide a greater degree of limited liability against claims of personal creditors because of the Revised Uniform Partnership Act (RULPA). Additionally, limited liability may be better with an LLC because of a doctrine called "piercing the corporate veil." Business entities are required to adhere to guidelines regarding maintaining their businesses and operating as a corporation. The company must be treated as a completely separate entity in order to maintain their limited liability status. If a company is not run properly, a creditor can "pierce the corporate veil" and go after the personal assets of the owners. This scenario is less likely to happen with an LLC because of its simpler operating procedures. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 6 What is an S-corporation shareholders agreement? It is a document that requires shareholders to consent to the "S" election of the corporation, and contains the rules by which the company will be run as it applies to the shareholders. This would include the rights and responsibilities of the shareholders and profit and loss sharing. Can I incorporate an existing business? Yes, you can incorporate an existing business. There are some things to watch out for here. If you are a sole proprietor and decide to incorporate, you would need to be careful not to contribute any personal liability to the new corporation. It's always a good idea to consult your lawyer or accountant to be sure that you start your new corporation off on the right foot. Can I change an S-corporation to a C-corporation? Yes. You can let the S-corporation lose eligibility, or file a Statement of Revocation with the IRS. The Statement should be filed with the IRS by the 15th day of the third month of the tax year. If the corporation is on a calendar year, then it should be filed by March 15th, for example. Does incorporating create a tax shelter? No, the act of incorporating a business in and of itself does not create a tax shelter. Having your own business, in any form (sole proprietorship, LLC, corporation), allows the business owner to deduct "ordinary and necessary expenses." These deductions are a tax benefit, but it is not triggered by incorporating. What is a Qualified Subchapter S Subsidiary? Also known as a QSUB or QSSS, it is an S-corporation owned by another S-corporation. When should you not file for S-corporation status? © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 7 One of the main goals of filing for S-corporation status is to save money on payroll taxes. There are various scenarios where this would not make sense for the business owner. These scenarios are unique to the particular business owner. It's a good idea to consult an accountant or lawyer to determine if there is a downside for you. What is a better business structure, S-corporation, a C corporation or an LLC? This is a matter of personal preference in many ways. LLCs in general are simpler to maintain and operate than a formal corporation. Also, you do not need to use S-corporation accounting rules with an LLC until it will actual be a benefit to you. Despite these benefits, sometimes people need to go with a C corporation for various reasons. Investors can be wary of an LLC structure because they are still not well understood. Can I use an S-corporation for real estate investing? The advantages that people gain by having an S-corporation will not necessarily benefit the real estate investor. Usually with real estate investing there is not a lot of active trade on a daily basis, and you only pay income tax on your profits. The advantage to an S-election is that you do not have to pay a self-employment tax. Real estate investors would not necessarily be paying these anyway, so being an S-corporation is not a benefit in this case. If I am moving, in which state should I set up in new S corporation? It is really a matter of personal choice how you want to handle this. You can set up the corporation in the state you are now in, and when you move you can file the necessary papers to "qualify to do business" in the new state. Or, file for your new business in the state you will be moving to, and qualify temporarily in the state you are now residing. Neither choice will affect the S-election, because that is a federal, not a state matter. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 8 Can I incorporate my business in another state? Yes, some business owners in high tax states choose to incorporate in another state to save money. Delaware is the most common state for businesses to incorporate. This may work for some, however you will still need to "qualify to do business" in the state you are doing business in, which costs money. The state that you are doing business in will still collect taxes from your business profit. What if I missed the S-election deadline? There are very firm deadlines for S-elections. The general rule is the filing must be made by the 15th day of the third month of the tax year. If the corporation uses the calendar year, then the filing needs to be made by March 15th. In some cases the IRS will allow a late filing to be made, with a very good excuse. There is also a specific procedure for tax payers that want to try and make a late filing. These procedures are found in Revenue Procedure 2007-62. With more than one business, should I have more than one S-election? Technically each company should have its own S-election. However with multiple companies and multiple S-elections you are looking at significant time and expense keeping the accounting straight for two separate entities. A parent corporation or holding company may solve that problem. There would be one company with an S-election and the two corporations would be subsidiaries of the holding company. What tax-free benefits can be offered to shareholders and employees of an S- corporation? S-corporations have tax benefits, but they are more limited in tax-free benefits they can offer employees and shareholders. They can offer things like vehicles for business related purposes, some employee education, certain pension plans and smaller "de minimis" benefits © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 9 which are smaller in terms of money expended. Things like company parties, dependent care assistance, athletic facilities, and job placement assistance. How do states treat S corporations? Generally speaking the state will treat the S corporation the same as the federal government. The state will honor your S corporation status. S corporation shareholders will be subject to state income tax just as they are subject to federal income taxes on their share of the company's profit. Is the accounting more complicated for an S-corporation? No, the company's accounting process should not necessarily be more difficult or complicated because you are an S-corporation. Just by virtue of the fact that you are a corporation certain accounting procedures need to be put into place and the books need to maintained, but it is no more complicated in the end just because you are an S-corporation. How are dividends taxed? S-corporations pay what is known as "distributions" rather than dividends. In general these distributions paid out to the shareholders are not taxed. This is in contrast to a regular C corporation, where the company would pay shareholder dividends and they would be taxed. However, what the S-corporation shareholder does pay taxes on is their proportionate share of the S-corporation's profits. What is an S-election K-1 form? A K-1 form for the corporation is equivalent to the W-2 that an employee receives. The K-1 will state the income earned by the shareholder. This will be sent to the IRS when you file your tax returns. How low can you set salaries? © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 10 The biggest savings for an S-corporation comes from setting the salaries of employees or shareholders reasonably low. Of course the IRS is aware of this. Different companies have different ways of handling this, even going so far as setting salaries to zero. The IRS examines S-corporations annually, so it is wise to come up with a figure that is reasonable. The Bureau of Labor Statistics has a website that may be helpful in arriving at a salary amount that is reasonably low yet acceptable in the eyes of the IRS. What happens if an S-corporation is not profitable? The losses from an S-corporation pass through to the shareholders' personal tax returns. These losses then turns into a deduction on the shareholder's return. When does an S-corporation pay income tax? The nature of an S-corporation is that the losses and gains flow though to the shareholders, which appear on their tax returns. So barring unusual circumstances the S- corporation does not pay taxes at all. Should an S-corporation employ the owner's spouse or children? Generally this is not a good idea. While the money you pay will be a deduction on the business tax return, it will also be taxable on the spouse's and child's return. Adding them to the payroll will increase your payroll taxes. It is a smarter idea to simply increase the amount of the shareholder distributions which are not subject to payroll taxes. These of course are general guidelines. There are unique situations where it could make sense. If you are unsure you should consult your accountant or attorney. How do I dissolve an S-corporation? © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 11 You will need to file Articles of Dissolution with the Secretary of State. Check with the Secretary of State to be sure that you use the appropriate form. You will also need to file a "final" S-election tax return (1120 tax return), and Form 966 with the IRS. Can you unintentionally terminate an S-election? You can unintentionally terminate your S-corporation status by not following the rules and guidelines for S-corporations. An example of this would be the issuing of stock to a corporation or partnership (shareholders must be individuals), or not making fair and even distributions to the shareholders (the distributions must be in proportion to their percentage of ownership). Are there any rules for choosing a name for an S-corporation? Assuming that your S-corporation structure is with a corporation (LLCs can file for S- corporation. status), then you would need to research with the Secretary of State to make sure that the name you have chosen is available in your state. The basic rule is the name can be taken, or be "deceptively similar" to a name that is already taken. Also, in the case of a corporation you must have the words or abbreviation corporation, Inc., or Co. after the name to indicate that it is a corporation. Check with your local state rules also, in most states you may not include the certain words in your name such as bank or trust, for example. STEPS IN FILING FOR AN S-CORPORATION Creating an S-corporation is relatively simple: a) Prepare the Articles of Incorporation appropriate for the state you are incorporating in. Prepare the By-Laws and appropriate corporate resolutions. Corporate books can be ordered that contain most all the forms you will need if you need help with this. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 12 Corporate book companies can be researched online and can make this process much easier; b) Incorporate the company in the state where you will be conducting the bulk of your business. The actual incorporation process will require to you to file completed Articles of Incorporation with the Secretary of State, with a filing fee. Check with your local Secretary of State's office to determine the filing fee, it varies from state to state; c) Verify that the corporation meets the eligibility requirements for an S-election. If you are in doubt as to the requirements they can be researched on the IRS website, or contact your attorney or accountant; d) File Form 2553 with the IRS no later that the 15th day of the third month following the date of incorporation. FILING FEES AND DEADLINES Filing Fees: Filing Fees to incorporate: Approximately $100. Check your local Secretary of State as fees vary. Deadlines: The S-Election form must be filed prior three months and 15 days after the date of incorporation. There is no filing fee with the S-Election. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 13 ADVANTAGES AND DISADVANTAGES OF S-CORPORATIONS Advantages a) Corporate losses are passed onto the shareholders, and the shareholders can take the loss against the income that appears on their tax return; b) You have the protection of limited liability; c) Employment and FICA taxes are limited, shareholder profits are not taxed in this manner; d) It is easier to raise capital as a corporation than other types of business entities. Disadvantages a) There are more rules and regulations to follow in creating and operating an S corporation; b) It can be costly to set up and follow the required corporate formalities; c) S corporations may receive closer scrutiny by the IRS regarding employee/shareholders who receive wages. © Copyright 2011 Docstoc Inc. registered document proprietary, copy not 14
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Look Inside | Enlarge Cover
Random House Books for Young Readers | Sep 12, 1974
| 48 Pages
| 6-1/2 x 9
| 3-7 years
Random House Books for Young Readers
| Sep 12, 1974
| 48 Pages
| 6-1/2 x 9
| 3-7 years
Read and count along with Dr. Seuss and George Booth's classic Beginner Book full of errors. This is no ordinary day! There's a shoe on the ceiling and bananas in the apple tree, and it only gets wackier. From a hole in the kitchen table to a green sun in the sky, young readers will love finding each silly mistake. Illustrated by renowned New Yorker cartoonist George Booth, Wacky Wednesday is impossible to forget. Originally created by Dr. Seuss, Beginner Books encourage children to read all by themselves, with simple words and illustrations that give clues to their meaning.
THEODOR SEUSS GEISEL—aka Dr. Seuss—is one of the most beloved children's book authors of all time. From The Cat in the Hat to Oh, the Places You'll Go!, his iconic characters, stories, and art style have been a lasting influence… More about Dr. Seuss
Visit other sites in the Penguin Random House Network


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RockJem.com / Index
With a pair of microprojector earrings and the words "showtime Synergy", the holographic computer Synergy transforms Jerrica Benton into the truly outrageous Jem, the pinkhaired singer of the band The Holograms.
This fansite was started 18 years ago, and is a tribute to the 1980's musical animated TV-series and doll line, and to the people and companies that made it all happen.
Here you can find in depth guides to the cartoon, reviews of the collectibles, behind the scenes material, and other fun and informative features. And be sure to check back for updates about all the new exciting 2015 happenings like the live-action movie, the comic series and the commemorative doll line.
Have fun exploring this site, and be sure to vote in the Poll and post your messages at the Forum!


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Allergies Health Center
Repair of a Deviated Septum (Septoplasty) - Surgery Overview
The nasal septum is the wall between the nostrils that separates the two nasal passages. It supports the nose and directs airflow. The septum is made of thin bone in the back and cartilage in the front. A deviated septum occurs when the cartilage or bone is not straight. A crooked septum can make breathing difficult. The condition also can lead to snoring and sleep apnea.
The septum can bend to one side or another as a part of normal growth during childhood and puberty. Also, the septum can be deviated at birth (congenital) or because of an injury, such as a broken nose. Very few people have a perfectly straight septum.
Surgery to straighten the septum is called septoplasty, submucous resection of the septum, or septal reconstruction. The surgery may be done along with other procedures to treat chronic sinusitis, inflammation, or bleeding, or to correct sleep apnea. Septoplasty also may be done to allow access into the nose to remove nasal polyps. In general, septoplasty is needed only when breathing problems or snoring do not get better without surgery. For more information on surgery to treat chronic sinusitis, see the topic Sinusitis.
Before surgery, the doctor may use a thin, lighted instrument (endoscope) to look at your nasal passages and to see the shape of your septum. In some cases, the endoscope may be used during surgery. You will receive local or general anesthesia for the 60- to 90-minute operation, which is usually done in an outpatient surgery center.
The septum and nasal passages are lined with a layer of soft tissue called the nasal mucosa. To repair the septum, the surgeon works through the nostrils, making an incision to separate the mucosa from the underlying cartilage and bone. The doctor trims or straightens the bent cartilage and then replaces the mucosa over the cartilage and bone.
In this article
This information is produced and provided by the National Cancer Institute (NCI). The information in this topic may have changed since it was written. For the most current information, contact the National Cancer Institute via the Internet web site at http:// cancer .gov or call 1-800-4-CANCER.
WebMD Medical Reference from Healthwise
Repair of a Deviated Septum (Septoplasty) Topics
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Nightclub owner accused of killing patron
ORANGEBURG, S.C. (AP) � A retired New York corrections officer is accused of killing a man at the Orangeburg nightclub he owned.
The Times and Democrat of Orangeburg reports (http://bit.ly/1uvFMjn ) 69-year-old James Williams was charged Saturday with murder in the July 19 death of 26-year-old Phillip Brunson at the Corner Pocket Club.
According to an incident report, Williams told deputies Brunson tried to enter his club with a pistol, and when Brunson shot at a glass door, Williams returned fire.
A woman told investigators she and Brunson were kicked out after a fight. Another witness said Brunson returned with a gun, and Williams gained control of the weapon during a struggle and shot Brunson.
Williams told the judge he's a retired New York corrections captain who has lived in Orangeburg for 20 years.
Information from: The Times & Democrat, http://www.timesanddemocrat.com


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K-Mart Bargain Fashions #1028
Release Date: 1/1/1979
Product Code: 1028
The pretty ensemble featured a sapphire hued tricot strapless jumpsuit and a colorful watercolor print sheer nylon overblouse. It was edged in sapphire hued nylon ribbon and had an elasticized waist.
All images and descriptions courtesy of Collector Books, publisher of "Barbie® Doll Fashion: Volume 3" by Sarah Sink Eames.
Production doll may vary from the photo shown above. Mattel reserves the right to modify the fashion/fabrics, sculpt, hair color/style, and accessories. Doll cannot stand alone as shown.
Collector Photos
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If a thief gets a load of said bags, he'll pop right out of your mattress and purloin them.
All a thief had to do was take off the dial knob on the safe and place the little joker on inside of it.
She is both clinical observer and giddy participant in the game of trying to catch a thief.
Old English þeof, from Proto-Germanic *theubaz (cf. Old Frisian thiaf, Old Saxon thiof, Middle Dutch dief, Old High German diob, German dieb, Old Norse þiofr, Gothic þiufs), probably from PIE *teup- (cf. Lithuanian tupeti "to crouch down").


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New chefs and menus at the Iron Horse and Distil
Iron Horse
Grant Slauterbeck, the Iron Horse Hotel's new executive chef, is debuting a revised menu for the hotel's Smyth restaurant and Branded bar Friday. »Read Full Blog Post
UWM honors visual effects Oscar winner Jim Rygiel
Jim Rygiel's road to winning three Oscars started at the University of Wisconsin-Milwaukee, which the Kenosha native attended from 1973 to 1977.
In ceremonies Friday, Rygiel, who won a visual effects Oscar for each film in "The Lord of the Rings" trilogy, was given the UWM Chancellor Recognition Award for having "demonstrated excellence." Earlier in the day, Rygiel met with UWM film students. »Read Full Article
Florentine Opera begins new season with lush 'La Traviata'
Milwaukee's Florentine Opera Company raised the curtain on its 80th season Friday evening, ushering in the season with a grand production of Verdi's "La Traviata."
"Traviata" is the tragic tale of a dying courtesan willing to give up everything for love. She is convinced by her lover's father to end the romance, but he relents at seeing his son's pain over the loss. The lovers reunite shortly before her death. »Read Full Article
Soulstice goes time-traveling with 'Picasso at the Lapin Agile'
Paris, 1904. A 25-year-old German physicist walks into a bar, where he'll eventually be joined by a 23-year-old Spanish painter. Albert Einstein, meet Pablo Picasso, courtesy of Steve Martin's "Picasso at the Lapin Agile."
A huge hit at the Milwaukee Repertory Theater 14 years ago, "Picasso" is back, in a staging by Soulstice Theatre that opened Friday. »Read Full Article


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Mail ballots remain a South Texas problem
Alleged Jim Wells irregularities highlight strong need for retightening absentee ballot
The investigation of alleged voting irregularities in Jim Wells County should be prompt and thorough. But this apparent violation of the mail-in ballot is, depressingly, nothing new in South Texas. While much has been made about possible voter fraud on election day, the fact is that voting by appearance has had very few incidents of voter fraud. The same is not true in the other avenue of voter participation, absentee or mail-in voting.
Abuse of the mail-in ballot requires strict, even-handed enforcement of the voter laws, but the violation of the mail-in ballot also calls for a legislative re-tightening so that the users of the mail-in ballot have their votes protected from manipulation, but yet the mail-in ballot retains its much needed availability. There are voters who because of age or infirmity would have no other way to participate in elections without the mail-in ballot. But the present method simply leaves so much of the voting process vulnerable to the unscrupulous.
Investigation launched
The attorney general's office has begun an investigation into mail-in voting irregularities in Jim Wells based on a complaint by District Attorney Frank Garza who lost a bid for re-election to his fifth term. One clue to the problem in Jim Wells County is that the county had sent out 2,500 mail-in ballots. That's nearly 10 percent of the 26,255 registered voters in Jim Wells County. While Nueces County, for comparison, sent out nearly the same number of mail-in applications, that number is a tiny percentage of the more than 190,000 registered voters.
But that high percentage of mail-in ballots in some South Texas counties is nothing new. Duval County officials raised no eyebrows in 2006 when they were asked why 2,800 voters of the 5,000 votes cast in a primary election came via the mail-in ballot. Mail-in ballots are limited for use by those who are 65 years and older, people with disabilities, those who can attest they will be out of the county on election day such as college students or military or eligible voters who are in jail. That restricted group means alarm bells ought to go off when a rural county such as Jim Wells receives a disproportionate number of mail-in ballot requests.
The elderly, the sick and those who can't read or speak English have, in past voter fraud cases, been the most likely to be taken advantage of. In the Jim Wells case, two men who spoke only Spanish, a precinct official said, had voted by mail-in ballot but were not aware of what they were doing.
Loopholes for fraud
Anyone who qualifies for a mail-in ballot can obtain one merely by writing their county clerk. But the law also allows for campaign workers, or party workers to obtain ballot applications and then simply go door-to-door identifying voters who may be eligible. Others obtain mailing lists for elderly voters and then send them applications, all supposedly to be helpful. The problem is when those helpful workers go to the homes of the elderly to assist them in voting. That is a huge gray area that cries out for reform.
Attorney General Greg Abbott has made mail ballot prosecution a staple of his office, but the Texas Democratic Party has sued Abbot for discriminatory prosecution saying that only minorities and Democrats have been his targets. Legislation, enacted in 2003, that requires anyone who assisted the vote-by-mail ballot to sign their name and which also prohibits even possession of a filled-in ballot is also being challenged in court.
Muddled issue
The legal action has muddled the question of mail-in ballots. Those issues, scheduled to be heard before a federal court in Fort Worth, ought to be cleared up by the general election. But making the mail-in ballot less vulnerable to manipulation and protective of the integrity of vote ought to be a job for both parties next year when the Texas Legislature meets.
The fact is that both Republicans and Democrats heavily depend on the mail-in ballot constituency. Activists and candidates on both sides target elderly voters, either canvassing blocks door-to-door for shut-ins, or using voter lists. Both Democrats and Republicans ought to tighten up the use of the mail-in ballot, eliminating those gray areas that undermine the value of the vote for all voters.
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CC Notebook: Ventura College men learn from lone loss
After opening the season with nine straight wins for the first time in 17 years, the Ventura College men's basketball team was finally challenged by a loss last week.
The Pirates shot 32 percent from the field and made just 4 of 24 3-point attempts in a 67-54 loss to Antelope Valley, who they had beaten Nov. 10 and whose tournament they had won the previous week.
The news release that accompanied this week's coaches polls called it "a bad loss." Ventura coach Joey Ramirez looked at it as a teachable moment.
"That was our biggest thing," Ramirez said. "It's not very often you have a shooting game like that. You've got to bounce back.
"We were in the game. We had a chance to win. We moved on and the guys responded."
Ventura (12-1) responded by sweeping a strong trio — Long Beach City, Los Angeles Pierce and San Bernardino Valley — to win the Riverside Holiday tournament's consolation title.
The Pirates slipped two spots to No. 3 in this week's SoCal poll, but they still own the best record and best RPI value in the region.
Raiders surviving without Sahdi:
Remy McCarthy was pleased that his Moorpark College men's basketball team won the Los Angeles Southwest Intensity Classic last weekend.
The head coach was more impressed that the Raiders (5-3) were able to do so without much from injured sophomore forward Sahdi Odu, who returned from one calf injury only to pull the other one midway through Friday's win over L.A. Southwest.
"I can't understate how important Sahdi is to us," McCarthy.
Moorpark topped L.A. Southwest Friday despite committing 28 turnovers and missing 17 free throws.
"We had to go down there on the road… and find a way to win," McCarthy said. "I think those things are important when you have to grind it out."
The Raiders open the Vaquero Classic at Glendale College today against Orange Coast. Odu, the team's only sophomore, is expected to play.
"We feel good so far," McCarthy said. "Unfortunately, the team we're opening against the best team in the tournament."
Abraham anchors Moorpark's breakthrough weekend:
Falling into 14- and 15-point holes in the last two days of the Moorpark Classic, the Moorpark College women's basketball team reacted like a champion.
Behind a huge weekend by freshman Riley Abraham, the Raiders battled back to beat Citrus and Antelope Valley for its first tournament title in a decade.
"We know that we can play well and when we get down like that we get frustrated," Abraham said. "I know I got frustrated."
Abraham averaged 20.0 points, 16.0 rebounds, 3.0 steals and 2.0 blocks, shooting 57.8 percent from the field to earn the tournament MVP award. The 6-foot-1 center, who had 28 points and 17 rebounds in the title game, was also named WSC North Player of the Week.
"We talked about the things we had to do at halftime, like owning the court because we're at home… and going out there with a lot of heart and pride and hustle," Abraham said. "That's what we did. We fought, came back and won those games."
The question now is whether Moorpark (8-2), which moved up to No. 7 in SoCal and debuted at No. 18 in the state poll this week, will be even more dangerous during tournament play this month.
The Raiders open the Antelope Valley Holiday tournament Friday against Fullerton.
"Obviously, it was a really fun, big win," Abraham said. "We're going to remember it, but we're going to try to start from the beginning and finish all the way through."
King turning into a queen for Pirates:
Guard Gabbi King is coming on as a sophomore for the Ventura College women's basketball team.
The Royal High product made 10 of 14 3-pointers over the weekend as the 11-2 Pirates won their second tournament of the season at the L.A. Valley Russell Classic.
"She's capable," Ventura coach Ned Mircetic said. "She's a better player than how she's played. Even though she had a good weekend, she's capable of much, much more."
King leads VC in both 3s (21) and 3-point shooting (44.7 percent)."She can shoot from great distance, she can rebound, she's got long arms to get her hands in the passing lane and she's deceptively fast," Mircetic said. "She's only shown a scant amount of that ability. If that ever changes, that will help us tremendously."
Ventura rose to No. 2 in the state and region Monday.
"We've played a pretty good schedule," Mircetic said. "We've beaten a couple of good teams and lost to a couple of good teams. But we still haven't hit midseason form at all, let alone peaking at the end. If those two things happen, it can be a nice season."
WSC North rising:
This is setting up to be the most interesting WSC North season in recent memory.
The conference may be the region's toughest for both men's and women's basketball.
The WSC North men's teams have a .687 combined winning percentage (46-21) through Wednesday, topping the Orange Empire (39-31, .557), and South Coast (46-45, .506) with ease.
"I think our conference is as competitive as it's been in a long time," Ramirez said.
The WSC North women (48-20, .706) also have the best combined record of the six conferences, topping the South Coast (43-27, .614), WSC South (36-32, .529) and Orange Empire (35-38, .479).
VC (11-2), Moorpark (8-2), Cuesta (7-2), Santa Barbara (10-3) and Pierce (9-3) are all in the SoCal Top 15 this week. Of the quintet, SBCC is the only team that doesn't boast a double-digit average margin of victory.
"I was happy when I saw that our league is doing exceptionally well," Mircetic said.
"I've always been a believer that a rising tide lifts all boats."
— For more coverage, including live in-game updates, follow@VCSColleges on Twitter.com.
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text: The Inheritance wiki last edited by susurniek on 03/21/15 01:17PM View full history Continuing on from last issue, Eddie Brock has just showed Peter Parker a pile of goo which he calls their inheritance. He tells Peter that their fathers' idea was for the "suit" (as they call it) to be worn by a sick person. The suit would then search the person's body for the right toxins to cure them. He also adds that they were hired by Trask Industries, and that everything they made was owned by the company, and that it used Peter's dad's DNA as a starting palette. The next day, Peter gets picked up by Eddie after school. He takes Gwen Stacy along as well. The three go to a cafe, but in the middle of a casual conversation Peter spoils it by asking Eddie if he thinks their parents were murdered. Eddie says he isn't sure, since while the timing was just right, the plane they were on was full of people, and he can't picture anyone evil enough to destroy a whole plane just for their fathers.Back at home, Peter watches video diaries of his father's. After watching his father in anguish over who he can and can't trust, Peter decides to steal back the suit and test it himself, and finish what his dad started. However, when he touches it, the suit spreads all over his body, resulting in a new black suit!


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Smart grid mergers and acquisitions: some very big deals in 2012
By: SGN Staff
Mercom Capital's report on venture capital funding and M&A activity in 2012 showed some impressive numbers overall. VC spending in smart grid in 2012 was $434 million in 40 deals, well above the $377 million in 50 deals in 2011. And there were some very big money moves in smart grid M&A transactions: almost $17 billion in 2012 compared to almost $5 billion in 2011 and $1.3 billion in 2010.
Top smart grid M&A transactions for 2012:
· $11.8 billion acquisition of grid and equipment company Cooper Industries by Eaton
· $2.3 billion acquisition of smart meter company Elster by UK investment firm Melrose
· $2 billion acquisition of security and home automation company Vivint by Blackstone
On the VC side, Mercom's report said home and building automation companies raised the most funding in nine deals representing $198 million, followed by $82 million for demand response, $76 million for grid optimization and $63 million for AMI.
The top investment transaction was the $136 million for Alarm.com from ABS Capital Partners, Equis Capital Partners, NJTC Venture Fund and Technology Crossover Ventures. Silver Spring Networks raised $30 million from Hitachi and Tendril raised $25 million from VantagePoint, Good Energies, RRE Ventures, GE and Siemens.
You might also be interested in ...
Smart Grid: Smart grid VC funding inches up (and reveals home energy trend)
Is your utility for sale? More mergers ahead in 2012, PwC predicts


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|May 14, 2009
Why Did Economists Miss the Housing Bubble?
A big question historians will ponder for decades if not centuries is why so few economists saw the crisis coming. What happened is more or less well understood. The bursting of the housing bubble caused a wave of defaults and foreclosures, which caused values of mortgage-backed securities to plummet, which meant many financial institutions were suddenly undercapitalized, which caused a contraction of borrowing and lending (a credit crisis). Compounding the problem were debt-to-equity ratios of some financial institutions now deemed unacceptable and the fact that efforts to deleverage, i.e., sell assets to replenish banks' balance sheets, caused asset prices to fall further (the paradox of deleveraging).
So cause and effect are relatively clear. What's unclear is why so many economists missed signs of the crisis. To be fair, interactions in a complex network of variables are hard to predict. So perhaps few should have anticipated the adverse effects the bursting of the housing bubble would have on the balance sheets of too-big-to-fail banks. But most economists also missed what should have been the most obvious point of fragility in the system, the housing bubble. Indeed, most economists who considered the possibility of a housing bubble seem to have actually rejected the idea. How could this be?
First, let's consider why anybody should have thought there was a housing bubble in the first place. People should have thought there was a bubble because of conventional indicators of bubbles. These were (1) house prices rising faster than inflation over an extended period, not a common occurrence, (2) house price-to-income ratios rising well above historical norms, and (3) house price-to-rent ratios rising well above historical norms. Here's an illustration of indicator (1): the CPI versus the Case-Shiller index of house prices during the bubble years:
And since housing bubbles are local, we should see even more pronounced price surges in densely-populated, high-prestige regions (note the comparison to lower-density, lesser-prestige locales):
Similarly shaped curves are found in plots of price-to-income and price-to-rent ratios.
So there was a surge in house prices. The question was why. As many observed, rising prices don't necessarily mean there's a bubble. Prices could rise because of changes in "fundamentals," i.e., changes in income, employment, interest rates, demographics, etc., all of which relate to the desirability and affordability of houses and so are reasons why people might rationally pay more (or less) for houses.
In a bubble, by contrast, people buy because they believe prices will continue to rise. So they may buy as an investment, expecting their wealth to grow as their home appreciates, or they may intend to "flip" their house when its price rises. Or they may be anxious that rising prices will make a home unaffordable if they wait, so they buy now. Since mortgage debt in such a situation is undertaken not on the basis of expected income, but of expectations of continually rising house prices, when house prices start to fall, as they must, people will be stuck with unsupportable debt. The result is a crash, the sort of thing we've seen in the last three years.
So why did economists miss the housing bubble? Reasons are multiple. They include an ideological predilection to believe markets are efficient and a general obliviousness of the subprime phenomenon. But more curious is that many economists who considered the possibility of a bubble actually rejected it.
Two papers, one by Jonathan McCarthy and Richard W. Peach (2004) and one by Charles Himmelberg, Christopher Mayer and Todd Sinai (2005)—both influential in convincing many economists there was no bubble—rejected conventional bubble indicators in favor of a different formula, the "user cost of housing." The latter, they argued, in contrast to the conventional indicators, captures the total annual cost of owning a home. "The key mistake committed by the conventional measures of overheating in housing markets," wrote Himmelberg, Mayer and Sinai, "is that they erroneously treat the purchase price of a house as if it were the same as the annual cost of owning." McCarthy and Peach similarly criticized the conventional indicators (price-to-income and price-to-rent ratios) on the grounds that "neither measure takes interest rates into account."
The user cost of housing, by contrast, includes not just the price of the house, but also less obvious costs and benefits of owning a home. These include the risk-free rate of interest (an opportunity cost, since it's a return one could have earned had one invested in Treasury securities instead), property taxes, maintenance costs, a "risk premium" (i.e., a "cost" implicitly incurred in purchasing a house rather than renting because of the greater financial risk of home ownership), plus benefits like tax deductions (for mortgage interest and property taxes) and capital gains from the appreciation of home value. The formula is then
P[irf + tP - tD(iM + tP) + M + R – CG] (1)
where P is the price of the house, irf is the risk-free rate of interest, tP is the annual property tax rate, tD is the tax deduction rate (deducting for mortgage interest iM and property taxes tP), M is the fraction of home value spent on maintenance, R is the risk premium, and CG is capital gains (or losses) from appreciation (or depreciation) of the house. (Readers needn't strain their eyes or their brains trying to understand this formula. It's enough to know that "user cost" is an attempt to include everything that might affect the true "cost" of a house in one formula.)
Another expression for this formula is "imputed rent," since it's the effective cost of living in a property for one year. And in equilibrium the imputed rent should equal the actual rent R on comparable housing:
R = P[irf + tP - tD(iM + tP) + M + R – CG] (2)
Both groups of researchers found that in the early 2000s through 2004, in every major metropolitan area, the imputed rent was lower than the actual rent on comparable housing. This means that house prices, far from being too high, were too low!
How did the researchers explain the dramatic rise in nominal house prices? The formula can be rearranged to give the equilibrium price-to-rent ratio:
P/R = 1/[irf + tP - tD(iM + tP) + M + R – CG] (3)
So in equilibrium the price-to-rent ratio would be the inverse of the user cost of housing And thus if, say, interest rates (irf) were to fall, the equilibrium price-to-rent ratio would rise. And this, these researchers argued, is what happened in the early 2000s. Low interest rates (and so also low mortgage rates and a lower opportunity cost of capital) made houses much more affordable during this period in terms of "user cost." Homebuyer decisions were thus rational, based on affordability. No bubble.
But here's the problem. The formula assumes fixed interest rates. And of course what precipitated the bursting of the housing bubble were resets, i.e., upward shifts in variable interest rates that made many subprime mortgages suddenly unaffordable. House prices then started falling. The rest is history.
Thus the user cost concept had an Achilles' Heel. The more general problem, however, is that the user-cost formula is an attempt to include everything in one formula. The reason for its supposed superiority to conventional bubble indicators is that it represents the total cost of home ownership. But the resulting formula is brittle. If something should go wrong in the parameterization, e.g., that a basic feature of the subprime mortgage market (variable interest rates) was left out, the model would likely blow up. And that's what happened.*
Had economists stuck with conventional indicators of bubbles—and to be fair, some, like Dean Baker, Robert Shiller, and Paul Krugman, did—the bubble would have been widely recognized for what it was. And concerted action against it—perhaps in the form of "a robust denunciation of speculators and speculation by someone in high authority," as John Kenneth Galbraith suggested may have prevented the 1929 crash—might have been taken. But economists fell victim partly to the scientific pretensions of their discipline—which values sophisticated, seemingly precise, general formulae—and partly to an ideological predilection to regard markets as efficient. Most humiliating, however, is that economists, like the direct victims of the subprime meltdown, were snookered into believing that houses were more affordable than they were. The fact that interest rates on subprime mortgages were often variable rather than fixed wasn't widely advertised and was even deliberately hidden. Economists should have been less enamored of the invisible hand of the market and more attentive to that of the subprime lenders who hid the true costs of housing.
*It should also be noted that both studies used biased data. Data for the studies came from the Office of Federal Housing Enterprise Oversight (OFHEO) index, which covers only houses with "conventional," i.e., prime, mortgages purchased by Fannie Mae and Freddie Mac. The analyses were thus confined to houses purchased with low, fixed-rate mortgages of no more than $359,650. Also, condominiums were excluded. Obviously, if you're considering only prime mortgages, not subprime or alt-A, etc., and excluding condominiums, which were a major problem in some locales, e.g., Miami, the real problem could be entirely missed.
|Other Postings
Where the Economy is and Where It's (Apparently) Going
Some Reality about Deficits
Armageddon: The Aftermath
The Hype
How to Explain It
Is Health Care Reform Popular?
The Point of the Public Plan
The Context of Health Care Reform
Is Low Life Expectancy the Fault of Our Health Care System?
What Americans Believe
American Health Care: Best in the World?
Is 76.5 Large?
NBC-WSJ Poll
Inside the Asylum
More About Bubbles
Why Has Monetary Policy Been so Ineffective?
The Geithner Plan
Is 22.2 Large?
Economics: A Theoretical Divide
The New Deal and the Great Depression
Stimulus By the Skin of Our Teeth
The Interregnum
Obama and McCain on Tax Cuts and Health Care
Religion and the New Atheism


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Staff photo by Evan Lewis Sue Johnson, Texarkana, Ark., Ward 6 director, attends Leardercast 2014 on Friday at Texarkana College. The event was was organized by Leadership Initiative For Texarkana. About 300 people attended the video seminar.
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Originally written on Larry Brown Sports | Last updated 1/29/13
Alex Smith has been a good teammate despite being demoted this season, so the 49ers reportedly will try to treat him well in return. Smith had a good season for San Francisco before being replaced as the team's starting quarterback after being concussed during a Week 10 tie against St. Louis. Colin Kaepernick replaced him, led the team to the Super Bowl, and has clearly emerged as the team's franchise quarterback. San Francisco is planning to part ways with Smith in the offseason. The Santa Rosa Press-Democrat reported on Monday that the most likely scenario is Smith and his agent giving the 49ers a list of teams where he would prefer to be traded. The 49ers would likely seek a 2013 draft pick and potential 2014 conditional draft pick in return. NFL Network's Ian Rapoport reported Tuesday that the Niners would try trading Smith first and that they would release him out of respect if they are unable to find a suitable trade. Rapoport says Smith's agent has a good relationship with the team, and that the franchise believes Smith deserves the right to be treated properly. Rapoport mentions the Buffalo Bills, Arizona Cardinals and possibly the Philadelphia Eagles as potential trade destinations for Smith. Though Smith has played well the past two seasons, I don't envision the former No. 1 overall pick as a long-term solution at quarterback for any team. He played his best with Jim Harbaugh as his coach and when he was supported by a stellar defense. We'll see how he performs in a different situation. I'm not expecting much. The post 49ers reportedly will try to trade Alex Smith before releasing him appeared first on Larry Brown Sports. Related posts: Alex Smith reportedly unhappy with 49ers, negotiating with Dolphins Jim Harbaugh Betting on Alex Smith to Start at Quarterback for 49ers 49ers trying to sign Peyton Manning, Alex Smith's confidence be damned
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Uniformity enhances supply chain management.
Reducing operating expenses has never been more of a priority for hospitals and health systems than it has this past year. The economic downturn has forced many organizations to be even more diligent than they may have been years prior. Catholic Health Initiatives, a Denver-based nonprofit healthcare system with 77 hospitals in 18 states, knew that it had huge variances in pricing for supplies among its hospitals. But it took too long to capture that pricing data to effectively manage the process. So in 2003, the health system purchased an enterprise management system from Minneapolis-based Lawson Software to help centralize key business functions.
The system, CHI Connect, includes HR, finance, payroll, and supply chain. CHI finished its initial implementation in January 2009, which brought more than 55 facilities online. "We are still about two to three years away from having everybody on," says Joni Rittler, vice president of supply chain information services.
But CHI Connect is already yielding significant cost savings. In the first three years of the implementation, CHI reduced supply chain costs by $125 million. "Our goal was to have about $43 million in sustainable savings per year over five-year period," says Rittler, adding that in FY09, which ended June 2009, the health system had more than $36 million in savings just on the supply side.
CHI had been generating reports from 38 different data sources, which has been reduced to one data source with the new software. Now it can easily query which hospitals are paying different rates for supplies and more effectively manage supply contracts. Hospitals also have a standard inventory tool with protocols to order supplies, and the technology provides actionable reports to managers in the form of dashboards. If there is a red light on the manager's dashboard, then action is required. With a single click, the manager can either address the problem or place an order for an item that is running low, for example. And all of the information needed to place an order pops up on screen automatically.
Rolling out the entire suite of services to individual hospitals at the same time did present some challenges, however. The health system rolled out CHI Connect in seven waves—every three months it brought on five to seven hospitals.
Staff members' whole world was turned upside down the first day of the go live, says Rittler. "It was traumatic." CHI tried to ease that trauma for employees by connecting hospitals that were already using the system with those who were implementing it so they could share best practices and lessons learned. It provided five to six weeks of training on the system. And after the go live, CHI held weekly conference calls with the hospitals for about six weeks to check in, see how it was working, and address any concerns. Calls still occur on a monthly basis.
Getting consensus on the unit of measure was also a challenge. Some hospitals wanted to give out trash can liners by the each and others by the case. "By the third wave of the implementation, we had huge conflicts," says Rittler. "We had to pull hospitals together to resolve the items that were causing the conflicts. Overall, the experience brought us together as a system and yielded significant benefits."
—Carrie Vaughan
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Mercedes Benz A Class caught testing in Pune
The new A Class was premiered at the Geneva Motor Show earlier this year. Later in June, Mercedes Benz stated that the new A Class…
Mercedes Benz has not launched the A Class yet, not even in the US, which is one of their biggest consumer. Mercedes Benz India has already announced plans of launching the new A Class in India by next year. Mercedes Benz A Class was caught testing by Super Cars, Super Bikes & Exotics In Pune. Mercedes Benz India is yet to reveal the specs of India bound A Class.
"A is for Attack: the A-Class is a clear statement of the new dynamism of thecMercedes-Benz brand", explains Dr Dieter Zetsche, Chairman of the Board of Management of Daimler AG and Head of Mercedes-Benz Cars. "It is completely new, down to the last detail. In automotive development, it's not often you get the chance to start with a clean sheet of paper. Our engineers and designers have made the very most of that opportunity."
Sagar Patel
Email - [email protected]


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Best news yet only BUILDING ISRAEL can guarantee peace.
If selected for publication, it will appear as soon as possible on Haaretz.com.
"A declaration of war on the Torah world" is how one ultra-Orthodox newspaper summed up the new government. Other Haredi media reflect a similar tone, one that indicates loathing for the new coalition and a deep rift with Prime Minister Benjamin Netanyahu.


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Edward Brown heard a radio ad recently and realized the clock was ticking: If he wanted health insurance, the Baltimore truck driver needed to find time to sign up before the end of March.
He found his way to the downtown offices of HealthCare Access Maryland, which employs "navigators" to help people sign up for coverage under the Affordable Care Act.
"It's comforting," said Brown, as navigator Athena Lynch typed in his information to create an account on the Maryland health exchange website. "For three years, I didn't have it. … What if I stepped on a nail or caught a cold or needed to go to the emergency room?"
Exchange officials in Maryland are trying to lure as many walk-ins like Brown as possible before the end of open enrollment through a barrage of methods. On Tuesday, the exchange board also approved a policy to allow anyone who tries to enroll by March 31 to be able to get coverage, even if they couldn't complete the process.
At one time, about 11,000 people had started an application but gotten stuck by technical problems in the exchange system. Anyone who tries the system and can't enroll will be able to call a hotline by March 31 to let the exchange know and they will get a call back to enroll them in coverage starting by May 1.
Along with the procrastinators and the uninformed, they could provide a significant bump in the number of new policies sold by the exchange. Under health care reform, people must have health insurance by March 31 or face penalties that begin at $95 or 1 percent of their income in the first year.
The next chance to enroll in health insurance won't begin until November.
"We're pushing on all fronts," said Carolyn Quattrocki, interim director of the Maryland Health Benefit Exchange. "We really want to make sure everyone knows the deadline is the 31st."
The exchange is running ads and employing social media, holding enrollment fairs, tapping churches and relying on navigator and advocacy groups to reach the uninsured.
The website's technical troubles may be complicating the efforts, but so is a general lack of information among the uninsured about the federal health law and the deadline to enroll, according to some national polls.
A Kaiser Health tracking poll found that among those uninsured nationwide in February, half still didn't understand how the 2010 law affected them. A quarter knew nothing at all about the online exchanges, which were supposed to provide one-stop shopping for insurance plans to the uninsured and underinsured.
A quarter also didn't know that the deadline to sign up and avoid penalties was March 31.
Another survey from Bankrate, a publisher of personal financial information, found a third of the uninsured planned to remain without coverage. About 41 percent of those people said insurance was too costly. About seven in 10 of all uninsured didn't know about the subsidies available to most enrollees.
In Maryland, some 800,000 were estimated to be uninsured, though about half are undocumented and not eligible for insurance coverage under the federal health law. About 40,000 people have signed up for private health plans — a figure that grew by an average of 2,200 people a week since January, when major fixes were installed on the website.
That tally still misses a lowered enrollment target set by analysts hired by the state. Enrollment in Medicaid, the expanded federal-state health insurance program for the poor, however, has exceeded the state goal. But in all, those enrolled in public and private plans, plus those moved automatically to Medicaid from a state program, puts the total number of people who have obtained health coverage at more than 234,000.
The state signed a contract with Weber Shandwick valued at close to $6 million to provide marketing and advertising services, though officials have not responded to requests for information under the state's public records law about how the money has been spent.
One insurer on the exchange, Evergreen Health Co-op, has raised money to do its own marketing and has also hosted town hall-style conference calls so consumers could dial in and ask questions.
But Dr. Peter Beilenson, a former city and Howard County health officer who founded and runs the co-op, said exchange ads don't help if the website is malfunctioning and consumers can't adequately compare prices and choose a plan.
That hindered his new cooperative insurance pool. He said Evergreen has signed up the bulk of its customers, mostly small businesses, directly and through brokers. After his direct appeals on TV, he said, 40 companies with 300 people signed on in one week.
"This is the last chance people will get," said Beilenson. "Health care should be a right, and we should all be encouraging people to sign up, especially since it's affordable for most people with subsidies."