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Choice for energy secretary has ties to oil, gas examined
MIT professor Ernest Moniz's history of straddling academia and the private sector has come under fire since he was nominated.
MIT professor Ernest Moniz's history of straddling academia and the private sector has come under fire since he was nominated.
Mayor Thomas Menino challenged Bostonians to lose a collective 1 million pounds in a year's time. Only 904,303 to go. By April 23.
Families, civil libertarians, and prisoner advocates say the searches will discourage relatives from visiting loved ones in prison.
This weekend Boston is the center of the video gaming universe, as some 70,000 enthusiasts — some dressed in the costumes of their favorite characters — pack the annual PAX East show.
When the Harvard quiz bowl team won its second straight Division I championship in 2011, Andrew Watkins's play was otherworldly.
The lawyer said Aisling Brady is wrongly accused and has been held in custody more than two months without being charged.
After hectoring Democrats to put their political and fiscal priorities to paper, Republicans got their wish Friday and answered the effort with hundreds of amendments.
Authorities in still-frigid Ohio have issued an ''indictment," charging the rodent with misrepresentation of spring.
The tax is supposed to help offset the costs of the health reform law, but the industry argues it would cost the state's largest companies more than $411 million a year.
Political Notebook
Under persistent prodding from President Obama, Israel and Turkey resolved a bitter three-year dispute with a diplomatic thaw.
President Bashar Assad vowed to avenge the death of a senior pro-government cleric who was killed along with dozens of other people in a suicide bombing.
Nicknamed ''The Terminator'' because of his reputation for ruthlessness in battle, Bosco Ntaganda was taken from the US Embassy and put on a flight to The Hague.
The financially moribund organization has no match when it comes to filling a room with Boston's best crime fighters, but it can't last in its current incarnation.
Opinion | Simon Waxman
Senator Rob Portman should serve as a warning of what happens when we leave imagination to only novelists and poets and playwrights.
There is something liberating about a snowstorm that allows us to offer and receive gestures that cross the unofficial boundaries we observe other times of the year.
Editorial | NCAA's helmet-to-helmet rule
Letters | ASKING WHAT WENT WRONG, REPUBLICANS LOOK TO FUTURE
Letters | ASKING WHAT WENT WRONG, REPUBLICANS LOOK TO FUTURE
What the political world thought would be a barn-burning race has fizzled into a slumberous event.
After its win over No. 3 New Mexico on Thursday, Harvard will take on No. 6 Arizona in Salt Lake City.
Hopkinton's Jonah Stone had been given a half-day suspension, but toy guns are not covered by the current school handbook.
AUGUSTA, Maine
WILTON, Maine
Attorney General Martha Coakley asked for a rule change after Northeast Utilities was allowed to report only a portion of the CEO's compensation.
Groups interested in buying The Boston Globe were expecting documents from investment bankers regarding the sale to become available as soon as Monday.
AAMCO Transmissions and Total Auto Care said it will soon have 20 locations in the area, adding an estimated 35 to 50 jobs.
Market movers
Mass. movers
Mr. Achebe was a Nigerian writer who was one of Africa's most widely read novelists and one of the continent's towering men of letters.
Mr. Hart, 68, was a former girls' cross-country running coach and teacher at Concord-Carlisle High School.
Mr. Lowe was the last surviving climber from the team that made the first successful ascent of Mount Everest.
The team weaved its way into the fabric of the school's rich tapestry Thursday by recording the program's first NCAA Tournament victory.
On College Hockey
Coming from two goals down to win, Boston University avoided an unacceptable ending to the coach's 40-year career — a loss to archrival BC.
Mavericks 104, Celtics 94
The Mavericks took advantage of every Celtic mistake and never trailed.
Boston University 6, Boston College 3
Harvard notebook
Bruins notebook
Duke 73, Albany 61
UMass-Lowell 2, Providence 1
red sox notebook
Blue Jays 1, Red Sox 0
Hockey East notebook
Celtics notebook
Kansas 64, Western Ky. 57
Since 1991, Jen has published four acclaimed novels and a prizewinning collection of short fiction, and now she has her first nonfiction work, "Tiger Writing."
From the Archives
There are few places better to experience springtime in New England than in Boston's Public Garden.
A Georgia native, Kip Moore moved to Nashville with dreams of musical success, and eight years later he has notched two number one songs.
99 Bottles
Bring the Family
Love Letters
Movie stars
Annie's Mailbox
Chess Notes
Music review
Stage review
Celebrity news
Continue reading by subscribing to BostonGlobe.com for just 99¢.
Continue reading by subscribing to Globe.com for just $.99¢


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Lacrosse news straight to your inbox.
Tuesday November 5th, 2013 1:18am
Connor Martin is again the Laxie winner for Personality of the Year. Below, you can check out the musings of another up-and-coming video/comedy/MCLA star Pat Stansik as he reflects on who Con Bro Chill really is, and what he means to @patstansik.
But first, get acquainted with Connor's early attempts to make it three in a row. First up, he's got a legit single and music video from the Con Bro Chill band called "Power Happy" ready to drop on January 17. IL saw it a few weeks ago, and it's a game-changer — pyrotechnics, stunts and props like whoa.
After that, it's onto January 31 (because who releases an album in February?) and the debut of the Con Bro Chill Band's 3D Music Album. It's a celebration of America that makes the 4th of July and monster trucks look like Cinco de Mayo and French Toast.
Fast forward to summertime. We'll let Connor explain:
"Boom Town Lacrosse is heating up! Boom Town has been throwing camps and clinics all year and are now excited to announce that they have teamed up with Wild Lacrosse in Colorado to host the first ever Boom Town Classic Lacrosse Tournament. Boom Town Classic is meant to bring back the fun in the summer lax tournament. It will take place June 29-July 1 in Boulder, Colo. on the CU Boulder campus. The Con Bro Chill band will be playing a live concert to kick off the tournament. The tourney is about getting as much fun and lax in a weekend as you can. Go to http://www.BoomTownLax.com/ to find our more and register your team."
And if you haven't seen the video for the Flow Attachment, you're welcome:
Pat Stansik is a former Michigan defender and blogger for InsideLacrosse.com. You can follow him on Twitter @patstansik.
As someone who has spent far too much time watching videos on the Internet, I thought I had a good grasp of just how difficult it is to keep someone's attention online. It wasn't until last fall when I decided to get serious about making my own videos that I realized how complicated the process really is. It was also around this time that people started comparing me to Connor Martin. I have to admit — I didn't initially enjoy being compared to someone solely because we both played club lacrosse and made videos, but as the year went on I came to appreciate his work more and more. I never thought I'd say this, but I've become a Connor Martin fan.
It's obvious that Connor has mastered the art of marketing his Con Bro Chill character, but much of his success can be attributed to the fact that the content he creates continues to improve. All it takes is one viewing of his "Golf Boys" video (which is quickly approaching three million views on YouTube) to realize that Martin's signature style has developed a mainstream appeal without sacrificing the silliness that put him on the map in the first place.
This is the second year in a row that Connor Martin has won the Laxie for Personality of the Year, and it's clear he's made a significant impact on the game. As he continues to improve his craft and gain an even wider fanbase, there's no doubt that his love for the absurd will attract more people to the sport. From my early attempts of making a career in comedy, I've realized that if you're not passionate about your work it will be painfully obvious to others. From watching Connor evolve, I'm confident he'll continue to be successful because I've never seen someone have so much fun creating enjoyment for others. It took some time, but now I appreciate being compared to someone as genuine, talented and fun-loving as Connor Martin.
I just hope I can work with him before he gets too famous.
Lacrosse Personality of the Year
Connor Martin 33%
Jovan Miller 20%
Kyle Harrison 18%
Bray Malphrus 16%
Ken Clausen 13%
IL Player of the Year: Steele Stanwick
DI Men's Player of the Year: Steele Stanwick — Virginia
DII Men's Player of the Year: Mike Messina — C.W. Post?
DIII Men's Player of the Year: Sam Bradman — Salisbury
DI Women's Player of the Year: Shannon Smith — Northwestern
MCLA Player of the Year: Trevor Yealy — Michigan
MLL Player of the Year: Paul Rabil — Boston Cannons
NLL Player of the Year: Brodie Merrill — Edmonton Rush
Lacrosse Personality of the Year: Connor Martin
Team of the Year: Virginia Cavaliers
High School Team of the Year: Haverford (Pa.)
Coach of the Year: Dom Starsia
Upset of the Year: Denver over Johns Hopkins, 14-9
Individual Game Performance of the Year: Steele Stanwick's three goals, five assists vs. Bucknell
Game of the Year: Johns Hopkins 12, Maryland 11, OT
Highlight Reel Goal of the Year: Maryland's Fake Flip
Clutch Performer of the Year: Steele Stanwick — Virginia
Breakthrough Player of the Year: Jeremy Boltus — Army, Hamilton Nationals
Uniform of the Year: Syracuse's Nike Throwbacks

subset: commoncrawl


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This podcast is closing. We really love having you listen to RN but we need to let you know that we'll be closing our subject based podcasts (don't worry—we aren't cancelling any shows). To keep hearing stories and interviews from RN, search for your favourite shows in the ABC Radio App or subscribe in your preferred podcasting app. If you're looking for something new to wrap your ears around, visit the RN website where there's plenty for you to discover.
March 5th, 2015
Episode 311 of 1517 episodes
Europe's leading human rights organisation has ruled that France's failure to ban the smacking of children is a violation of a European treaty.
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Joint Preservation Is Necessary for Hands-On Chiropractic
By Warren Hammer, MS, DC, DABCO
I will always remember Dr. Clarence Gonstead's hands. While his joints appeared arthritic, what was most amazing was the shape of his hands. The pisiform bone protruded; after years of adjusting, his hands had shaped into an adjusting tool.As for myself, after adjusting and performing soft tissue manipulations for the past 43 years, I suffer from a common form of osteoarthritis localized at the first carpometacarpal (CMC) joint. This joint is formed by the base of the first metacarpal and the distal side of the trapezium. There is a minimal bulge on the radial dorsal side of my CMC joint, and any stress to this joint creates pain. (See figure at below.)
Snodgrass and Rivett1 researched this problem with the CMC joint in physiotherapists and found that three recent studies revealed the hand to be the second most common anatomical site of work-related injury, following low back pain. One study reported that 91 percent of physiotherapists had to modify their treatment techniques because of thumb pain.
The thumb was not designed to be a weight-bearing joint. Many practitioners transfer their body weight through this fragile articulation up against very resistant tissue. There are significant reasons why this joint is unable to accept stress, compared to other joints of the hand or wrist. The CMC joint of the thumb is a "saddle" joint, which means each articular surface is concave in one dimension and convex in the other.
Women suffer slightly more than men with thumb problems, because the female trapezium bone is shallower, less congruent and lined with a thinner layer of articular cartilage. Functionally, the human thumb is required to be particularly mobile, and axial rotation of the thumb, as a whole, occurs primarily at the CMC joint, and in lesser amounts (accessory motions) at the metacarpal and interphalangeal (IP) joints.2
Because the articulating surfaces of this CMC joint are incongruously matched, the surface areas are not capable of continuous, solid contact when a load is transmitted through the joint. There is, therefore, increased contact stress on the small areas of the joint surfaces that do articulate.1 The CMC has a loose capsule to allow movement, and is reinforced by at least five ligaments that control the extent and direction of joint motion; help maintain normal alignment of the joint; and help control and dissipate forces produced by activated muscles.
Repetitive injury, chronic synovitis and inflammation can result in ligament laxity, causing eventual instability of the joint and leading to increased articular cartilage degeneration.3 At least 18 muscles exert force on the thumb that affects the CMC joint, and when the muscles move, there is more stress at the joint than at the distal contact point. Many soft tissue techniques require the motion of thumb flexion and adduction, and the estimated increase in compression force that occurs within the CMC joint is 12 times greater than the contact forces applied at the distal end of the thumb. "Even a low-stress act, such as brushing the teeth would, in theory, place a significant load across the joint"3 As the ligaments and muscles are stretched over time with the associated degeneration of the joint, hypermobility occurs. Increased hypermobility accelerates degenerative changes. It has been found that degenerative thumb CMC changes are occurring, even at earlier ages than expected.2
The two joints distal to the CMC, the metacarpophalangeal (MCP) and the more distal interphalangeal (IP) joint can be related to increased stress on the CMC. When a practitioner presses down directly vertical with his or her thumb, if the IP joint does not have enough extension, the MCP and CMC joints are stretched further apart, causing greater compressive loads on those joints; over time, this will lead to premature degeneration of the joint surfaces.1 Think of the manual techniques whereby the thumb is extended, putting excess stress on the MCP and CMC joints (see image above), i.e., on the belly of the subscapularis or along the paravertebral muscles. As more chiropractors realize the importance of soft tissue methods and put various techniques into practice, there will be increased chiropractic work-related thumb injuries and osteoarthritic manifestations.
As most of my readers know, I represent a producer of an instrument-assisted method of palpating and treating soft tissue lesions.4 I have personally heard from many practitioners who have used their hands for years that the technique has been a "blessing" in reducing the stress on their joints and improving their results.
Click here for more information about Warren Hammer, MS, DC, DABCO.


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Tom Gallagher is a regular contributor to NCR and lead writer for the newspaper's Mission Management column.
Tom Gallagher
News Articles
Articles by Tom Gallagher
Catholics rally to aid the displaced in IraqJul. 2, 2016 World
Cardinal Timothy Dolan reflects on the trip to IraqApr. 11, 2016 World
Catholic investing in changing timesJul. 14, 2015 Accountability, Parish, Justice, People
Loyola Chicago to open junior collegeMay. 12, 2015 Parish
Melkite Archbishop Jeanbart brings urgent plea for Syrian Christians on US visitApr. 29, 2015 World, People
Longtime friend of Fr. Ted Hesburgh recalls 'fisher of the young and of the old'Mar. 7, 2015 People
New York Catholics: a history of making a differenceJan. 15, 2015 People
Trauma: a missioner's occupational hazardFeb. 16, 2013 People
- 1 of 5
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Blog Posts
Cardinal Kasper a breath of fresh air on WNYCMay. 12, 2014 NCR Today
'A welcoming church,' sort of: No public restrooms at St. Patrick's CathedralMay. 7, 2014 NCR Today
Cuba returns Catholic church propertyMay. 6, 2014 NCR Today
Fewer Italian women choosing to have childrenApr. 25, 2014 NCR Today
Happy birthday, St. Vincent de PaulApr. 24, 2014 NCR Today
If U.S. feds can seize priest's real estate, can't Pope Francis seize cardinal's real estate?Apr. 24, 2014 NCR Today
Mapping poverty in the United StatesApr. 23, 2014 NCR Today
Atlanta residents object to home for unwed fathersApr. 21, 2014 NCR Today
Archbishop Harry Flynn's pastoral letter on racismJul. 24, 2013 NCR Today
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In This Issue
June 16-29, 2017
- Read select articles from our print issue
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Broke in the new rod.
The weather turned out to be great today and I officially broke in the new 2wt. Both fish hit a yellow foam spider with black legs.
Re: Broke in the new rod.
Nice! I'm glad someone is having some luck. Ive been out the last two days and have been skunked both times.
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Mike Nizza is Editor of Esquire Digital, a newly-created position that he accepted after spending his career of the frontiers of digital media. Just as the dot-com bubble was bursting, he joined the crew guiding The New York Times from print to Web giant. In eight years, he coded and cropped photos, reported and edited, wrote headlines, selected the front-page lineup and managed teams and new initiatives. He also penned The Lede, the Times' breaking news blog, providing real-time coverage on banner news days and writing hundreds of articles on everything from foreign affairs and politics to technology and music. Later, Nizza became co-directorRead More
The experience age is redefining the relationship between people and brands. The agency of the future will be the mediator of a value exchange between these two constituencies. And Jonathan Hoffman is the person charged with evolving media agency network Starcom MediaVest Group (SMG) to its next generation role by planning and designing dynamic integrated experiences that evolve marketing from making people want things to making things people want. Since joining SMG in 2011, Hoffman and his team strive to help clients – including Anheuser-Busch, Best Buy, Samsung and more – move beyond a transactional model with customers to a behavior-basedRead More


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Archives for November 2011
1.11.12: Celent Model Insurer Asia Summit 2012: Exchanging Ideas on Effective Use of Technology
What does Horace know anyway?
I recently spent two days at the Richmond Convention Center at a Latin Convention. Yes, a Latin Convention. I was a parent chaperone of 59 middle school Latin students who, along with 1600 secondary school students from around Virginia, came together to share their love and knowledge of Latin and everything related to the Classics. It was my second Virginia Junior Classics League convention, so I guess I can say I am a believer in what Latin does for the student. I mean if they choose to go to a two day convention and take up to 9 TESTS on subjects related to Latin and Classics, is that a bad thing?
The theme of this year's convention was "Dimidium facti qui coepit habet." It was Horace who said, "He who has begun has the deed half done." It's an interesting quote and one that was discussed in oratory sessions throughout the two days. But can one really say that? Is the starting of a task half the difficulty in getting it done? Using the analogy of an IT project, perhaps Horace was right if we consider that the beginning of an IT project is often defined as the day the vendor walks in the door or IT and Business kick off the in-house project. If that is deemed the beginning of the project then I would argue that the project better be half done! Let's consider what should have been done before that day. . .
Sometime before the kickoff someone identified the need for a new system. From there an analysis was conducted to determine who and what was involved in maintaining the current system, and what does that system really do? Another analysis was conducted to determine what needed to be replaced, or wrapped, and should it be all or only part of the current system. Yet another analysis considered buy versus build. If buy was determined to be the best method, a vendor selection process was conducted. All the while the insurer is identifying who and what is impacted by implementing a new system: processes are identified, people are interviewed, and hopefully a change management program is created to deal with the issues that will accompany the new system. A steering committee was formed and all the key players in the IT department and affected business units were identified and given tasks associated with the system project. I could go on and on about what was done before the project started. Or should I say, the things that should have been done before a project started. If even one of the major tasks is not completed before that day the project kicks off, then Horace will have been wrong and the project will be nowhere near half done on the day of the kickoff. And, sadly, the resulting implementation is going to be much longer than promised.
Horace of course was not talking about IT projects. He probably meant that taking that first step, or being willing to fight, is half the battle. One Latin student made the perfect analogy: Nike's motto is "Just Do It!" If we apply the Nike motto or Horace's quote to our life, to IT projects, to anything that may at first be uncomfortable, or a change from the norm, just being willing to begin the deed means you are half way to succeeding.
And, for all those who have begun their IT project journeys, per aspera ad astra!
12.14.11: Celent Insurance Webinar: UK Retail Distribution Review: Key Challenges and Implications for Change and IT
60 weeks to the RDR deadline – but who's counting….
This week, Celent hosted a London event on the UK regulatory topic of Retail Distribution Review (RDR) that will impact the entire life insurance industry. As Jamie Macgregor, pointed out, there are a little over 50 planning weeks until the deadline for implementation.
Matt Browne from the FSA covered key points and intentions of the regulations, and reminded the audience that this is the time to take action, not to debate. The essence of RDR is to fix the retail long term savings and investment market which many consider is not working for the mass market customer.
Jamie Macgregor presented key points from Celent's recent research. Insurers that were interviewed for this paper highlighted that 2012 will be a "horrible year" with the barrage of regulatory deadlines including Solvency II, EU gender directive and RDR whilst continuing to focus on new propositions for growth and profitability. The level of change and effort in Q2 and Q3 will be massive. Even with the delay in Solvency II regulations, many organisations are still committed to the same level of project effort to meet the revised deadline.
It is Celent's view that the biggest risk facing product providers is around orchestrating the end-to-end delivery of the change program across multiple partners both upstream and downstream. This risk is then made worse by dependency on outsourced relationships within product providers and the visibility of their readiness. Effective communication across all parties involved will be a critical success factor of many programmes.
Martin McKenna from Focus solutions presented a view from a distribution perspective. He noted that IFAs had originally seen the regulation as a threat but that there was a shift in views. IFAs are starting to see this as an opportunity to de-risk the business model. It's clear that IFAs don't have the capacity to serve HNW, the mass affluent and the mass market . IFAs will refocus their businesses towards what they see as high value clients and this may result in orphaned clients . This is a great chance for new players to enter the market, particularly those with strong brands. New distribution opportunities become available like online only, retail outlets , and mobile. Martin went on to note that whilst the appetite for advice will still be there, consumers will want to choose companies they know and trust. This creates a space for larger brands like banks and insurers to offer products directly to the customer. His view was that the winners would be those companies who could understand the cost of servicing the customer, and who had the scale and brand to respond to the market opportunities.
Kevin Okell from Altus discussed the view of the product provider. Kevin noted that RDR was considerably more than just switching off commissions. Rather, it meant and required a change in the provider operating model. In the new RDR world, advice and a product transaction are two distinct, and potentially unrelated, entities. The rules that allow providers to facilitate the payment of advice between customer and adviser only adds to the complexity of the processes and supporting systems that must be changed. Ultimately, the cost associated with this complexity needs to be covered from somewhere, and it is likely that the consumer will end up paying through increased product administration charges.
And so with the views from the FSA, Celent, IFA and provider, the delegates left with much to think about. Celent will continue to monitor and write on this topic as we count down to 31st December 2012 .
Count down to RDR: The final piece of the jig-saw? Paper on 'legacy assets' issued today
Yesterday, we held a successful event in London on the key challenges and implications of implementing RDR in the UK following our report issued earlier this month. The event was supported with some great and insightful content from the FSA, Focus Solutions and Altus – oh, and of course ourselves.
At the event, the FSA told us that the long awaited final guidance on the rules for handling legacy assets were imminent. What they didn't tell us was how imminent…the consultation paper was issued this morning with a target response date of 16 January 2012. It is already generating plenty of debate in trade articles. From our research, the treatment of 'legacy assets' was considered to be one of the key final pieces in the jigsaw that would enable product providers to complete their designs for RDR readiness at the end of next year.
From a quick scan of the consultation paper, it would appear that the original intent has been maintained. My current interpretation (pending a more detailed review) is that if advice has been given on a 'top-up' decision, then adviser charging applies and not commission. Trail commission on products sold prior to RDR continues and is unaffected. If the client decides to 'top up' their policy themselves without advice, then existing product rules on commission continue.
Beyond the obvious behavioural and motivational implications, from an operational and technology perspective, this presents some interesting challenges – especially from the view point of a product provider facilitating charges on behalf of an adviser.
- How does the product provider (or the regulator for that matter) know if advice has been given or not? What is the nature of the 'hand shake' that needs to take place between adviser and the product provider to determine whether the 'top-up' needs go via the advice charging route or the commission route?
- Each product open to 'top-ups' (and therefore the system supporting it) will need to be able to manage both adviser charging and commission and switch between them depending on whether advice has been given or not.
- Likewise, illustration systems, documentation, and financial performance reporting will need to change to cater for advice charging and commission in a similar way.
The best way to bring this to life is through an example. From my understanding, if a client has £50k invested in their pension, has an additional £50k to invest, and takes advice resulting in this new amount being paid into their existing pension, then trail commission will be paid on the original £50k and an advice charge will be payable on the additional new £50k.
In this scenario, the system supporting the product will need to differentiate which part of the investment pot was advised and which part was not. If you consider that most product providers do not have just one system supporting multiple products and that commission logic is often embedded inside each legacy product system, then this change may need to be repeated for as many systems as there are open products.
Sounds like a pretty tough and complex implementation challenge – especially when you consider that there are now less than 283 working days between now and the RDR deadline, and that the consultation paper is not yet final.
Product providers now need to work through this paper to assess the impact on their plans and finalise designs if they are to be ready in time. It will be interesting to see if any product providers choose to close books to 'top ups' owing to the inability to make a solid business case to keep the books open, or if any product providers seek to secure direct ownership of the client to avoid the complexity. This is an area that we will be watching with interest!
Seeking Growth Opportunities? Follow The Numbers
In my previous post: "Latin American Markets Are Hot for a Reason", we discussed about the significant growth of this region compared to industrialized countries and how GDP of emerging markets was expected to match their industrialize counterparts 10 years from now. For those joining just now, growth expected for the Latin American region in 2011 is 4.5%; the world rate will be 3.2%; and in industrialized countries, growth will only be 1.4%. The trend since 2002 has been more growth from emerging markets than industrialized countries and we expect this to continue this way for the next 10 years.
Has the Insurance Industry in Latin America gained any benefit from this growth?
Equally to the economic growth trends described before, Life insurance in Latin America has been experiencing an average premium growth rate of 8% for the period 2000-2009 while non-life insurance premiums have grown an average of 6.5% in the same time. North America instead has been very steady in the life insurance market and only in non-life has experienced some growth at an average of almost 2.5%. Europe has not done much better with just over 3% increase in premiums in non-life and almost hitting 3% increase in life insurance in the same period.
Last year, Latin American life insurance market experienced a 12% growth in premiums with Brazil, Chile, Argentina and Peru as main contributors and expecting to maintain double digits growth rates next year although some challenges remain. Also as a consequence of the good economic performance of the region, non-life insurance premiums increased 5.5% and we continue to expect growth driven by investments mainly in infrastructure and energy in the short and medium term.
On the other hand and considering 2010 figures, North America and Western Europe count for 60% of the world market share of life insurance and 72% of non-life, Latin American and Caribbean life insurance market represented only a world market share of 2.2% and non-life 4.0%.
So, evidently the opportunity is not in the current size of the market. Where to find it?
I believe that insurers are seizing opportunities of a market that will continue to grow and that has the potential to drive premium to similar ratios than the ones found in industrialized countries.
Consider for example the insurance penetration ratio (premiums as % of GDP). In 2010 Latin American insurance penetration ratio was 2.7% very low compared to 7.9% for North America; 8.4% for Western Europe or even Asia with 6.2%. Emerging markets have a ratio of 3% and industrialized countries 8.6%. The world in average has a ratio of 6.9%.
As for insurance density (premium per capita) in 2010, Latin America shows a low ratio of 219.1 USD per capita when compared with 3724.4 for North America´s; 2890.3 for Western Europe or even Asia with 281.5. The world in average has a ratio of 627.3.The insurance industry clearly understands the unique opportunities this ratios bring into their business. That is why we have more insurers looking into build or grow capacities in Latin America. What to expect? Looking in the future we should expect a very positive trend overall. Many things have changed in a positive way in the region and those companies taking advantage of it, will be able to produce extraordinary benefits and value for shareholders and stakeholders.
Technology will play a very important role for insurers competing in this market. There is a need to replace legacy systems and continue to incorporate best practices. Rules based underwriting, Straight Through Processing, standardized xml for data interchange, cloud computing, BPO and improved CRM techniques just to mention some. I hope to have some new reports on this subject soon for you, in the mean time I am available for some one-to-one consulting on Latin American issues.
To anyone who is considering doing business in Latin America just have in mind that although the region presents significant and unique perspectives of growth it comes along with some challenges. You should expect some countries to react defensively at the sight of the international crisis. Some protectionism should be also expected along with setbacks for commerce and investment. Companies will need to consider these in their plans and have a management team, processes and technology to overcome them.
Also bear in mind that although Latin America is always seen as a region it has its significant differences between countries not just cultural but social, economic and political as well.
We at Celent can now help you to navigate through the Latin American experience.
A new and innovative way to issue life insurance? Is that possible?
Stirring The Creative Disruption Pot
One of the great things about being an analyst is that you're expected to challenge the status quo on behalf of the companies you work with. The analyst-as-gadfly model was on display at Celent's Creative Disruption workshop in Boston last week. Someone later told me, "You looked like you were having fun!" I surely was.
Celent's message of "healthy discomfort" as a driver of positive change seemed to resonate with attendees, both carriers and their vendors. It came into virtually every conversation in some way. Here are a few nuggets I noted throughout the day.
- Disruption is generally respected but only lightly pursued. Like "change" and "agility," disruption is a term with positive connotations for most people. But when you ask companies what they are doing to make it a reality, you mostly hear the sound of crickets.
- Agile methodologies are enabling change. And they're not all about technology. They seem to serve as a signpost that corporate cultures are changing, giving staff a reason to rethink their traditional behaviors.
- Vendors have an important role to play in driving change. This is well understood, by players on both sides of the vendor/carrier relationship. But it's easy to revert to old models, where vendor and insurer interests are in opposition rather than being aligned.
- Leadership will determine where disruption can thrive. Front line staff are thirsty for productive change. Being part of something bigger and more exciting is on most people's wish lists, even if they don't know it yet. But absent some passionate vision from the top, "big D" disruption projects are doomed.
You can expect more coverage from Celent on this topic in the coming months, as we think it is vitally important. Your ability to keep operational concerns and creative, disruptive thinking in a healthy balance will be essential for you to get to the top of a competitive heap.
Creative Disruption Videos
Time is passing, uncertainty remains
The insurance industry is not immune from changes occurring at the marcroeconomic level. Based on our frequent and periodic discussions with European CIOs we have noticed that the level of uncertainty prevailing in the economy right now has contributed to reduce IT budgets (for more about this, read the following reports from Celent: Insurance in France 2011: The CIO Perspective and Insurance in the United Kingdom 2011: The CIO Perspective).
Much has been said and much has been proposed to solve the current Euro zone crisis initially triggered by the Greek sovereign debt issue during the first quarter of last year. But nothing and even the decisions made in the frame of multiple political meetings (G7, G20, etc.) prevented the issue to spread over to Ireland and Portugal later that same year. Nowadays, the Euro-zone is still in danger of disappearing – at least under its existing form – despite its member state political leaders' latest decisions last week in the G20 in Cannes. Italy is the new country in the line of fire and it seems that as time passes, the problem is getting worse. I personally think there are three interesting lessons we can learn from this crisis:
- Nations are here to stay: it is impossible to create a successful monetary union if the participating countries do not tend to form a single nation. On the first hand, the single Euro-currency decision makers have neglected this political aspect and on the other hand they have based the single currency construction almost solely on economic principles.
- Democracy always wins: solidarity among countries part of the same currency zone works as long as there is the outlook of stable prices and sound future economic conditions. Manifestly this is not the case in these turbulent times. Directly or indirectly populations of France and Germany will let their politicians know that they do not agree to sacrifice their already decreasing well-being for other populations especially when some of them have been cheating to get funding from other members of the single currency area. According to me we might expect French citizens to express their anger before the next presidential elections through demonstrations against new public spending reduction plans to be announced in the coming weeks.
- It is not recommended to solve a credit problem with more credit: it is Euro-zone member states who contribute to the European Financial Stability Facility (EFSF). In other words, Greece, Portugal and Ireland contribute to this fund at respectively 2.82%, 2.51% and 1.59% . Italy and Spain represent together almost 30% of the EFSF contribution. In other words, some countries are wrecked and rescuers in the same time!
In conclusion I think that we have reached a point where the magnitude of the Euro-zone problem is too big for policy makers ability to find a successful plan. To me the time has come to plan the end of the Euro-currency under its current form and the more we wait the more difficult it will be. For insurers, there is more uncertainty ahead. We are currently reaching out to UK and French CIOs to update our CIO survey reports. These two reports will be published in Q1 next year and I invite our subscribers to stay tuned.


text: Raced an automatic maxima today, one of the new ones. He was driving like an idiot before we lined up, speeding up/slowing down rapidly, etc. Got to a light behind him, and quickly switched lanes so i was next to him. The road after the light goes up a slight incline, and the two lanes merge. I took off slowly, waiting to see if he would make a move. He punched it, as did I soon after. Pulled on him quite nicely up to the middle of third gear, and shut down. Stupid kid goes down!


text:
Why do you have to make every post about Lynch?<quoted text>
FU! Prove you have even one idea of your own!
What happened, did you forget how you really feel about people with disabilities who collect from the Government? Sound familiar...
They are lazy
They are living off you
They are takers
They {could} have jobs
They are on the dole
Of course, when it serves your arguments, you simply reverse your position. Total lack of ingtegrity, completely hypocritical!!
Government Shutdown SAGA
Posted in the Fitchburg Forum
#64 Oct 22, 2013
#65 Oct 22, 2013
In your upside down thinking this makes sense to you?
You call me someone I'm not
I tell you I'm not that person
and you think that's "Very curious behavior"?
What really IS curious behavior is you thinking anyone who disagrees with you or the clown circus here is Sonny, that's mental retardation, not just "curious"!
#66 Oct 23, 2013
If that's the case, then what do dumb shits like you do for your news? Is watching Fox news and reading the likes of the Boston Herald each day sufficient for you, or is a daily dose of whacky right wing extremist radio what cures your ills? you mean, you don't read the Globe, Times, or WSJ because it's all "drama?" You are a dumb mutha F'er.
Which militia do you belong to?
#67 Oct 23, 2013
When did you stop engaging in beastiality?
#68 Oct 23, 2013
Come on cookie puss spit it out. WHAT Militia do you belong to???? I belong to many. You F'ing idiot. I get my news from the respectable papers like the National Enquirer.
Did you know that Batboy was found in a cave? Bigfoot has been spotted.
You know NOTHING!!!!
What militia do you belong to??
I was driving a car yesterday and listening to right wing radio and almost crashed because I couldn't believe what they were saying. Then as usual my mom yelled 'Stop playing that racing car video game and clean your room!'. I think she's a right wing nut.
United States
#69 Oct 23, 2013
Hey Fake Army Guy,
You better get all your little green boys off the lawn today...the bad weather is coming, and we know you do kind of porrly when its raining and such.
Don't need to belong to any militia to care about all the nonsense going on that you support. Just a regular American that wants to see things better and can clearly see that the mass media is in Obama's back pocket and has been the entire time. The only reason you guys trash FOX is because they don't drink the Obama cool aid and they expose whats going on.
I know, I know, you guys don't like that but thats too bad.
BTW...although I belong to no militia, that doesn't mean I can't or won't defend our great country, as screwed up as it is right now.
#70 Oct 23, 2013
Impugning the motives of those we've entrusted with separating fiction from fact has proven an effective strategy for the right. Don't agree with a judicial decision? Blame the "activist" judge. Think an academic paper might be damaging to your cause? No worries. Academia is "liberal" and "elitist." Worried that global warming might prove nettlesome? It's the product of scientists harboring a "hidden agenda."
And today a news media that might otherwise be making reasoned judgments about what's news and what isn't has become so cowed by conservative complaints that just about any allegation, no matter how outlandish, must receive "equal time." Donald Trump's birther claims are a terrific example. Trump has all the credibility of a squirrel monkey. And the charges he mounted in 2011 were completely bereft of anything resembling a fact. Yet when he was pressing his "questions" about the president's place of birth, the media felt compelled to put him on the air in an endless loop, and to book guests to argue "both sides" of the "controversy." Ridiculous.
But suggest that the media might not be so liberal after all, and you elicit ferocious conservative push-back. Just ask Chuck Todd. Last week, when he said media bias was a myth, the conservative response was perhaps best typified by Greg Gutfeld's 90 second uninterrupted monologue on Fox, which I think can be fairly boiled down to:
The media is liberal because the media is liberal and it's preposterous to think otherwise.
There's another way of looking at this, of course. As hard as this may be for conservatives to swallow, it may be that 65 million people voted for the president precisely because they have a clear understanding of his record, and what he wants to doand they agree with it.
Sometimes they do a good job and sometimes they don't. But clinging to the notion that they are wittingly or unwittingly involved in some kind of mass liberal conspiracy is a little nutty.
If that's the case, you may ask, how can it be that I sometimes find unflattering coverage of conservative ideas? Well, one might ask in return, have you taken a look at the ideas conservatives have championed over the years? Segregation is the way to go. Women shouldn't work. The government is filled with hidden communists. People on the lower end of the economic spectrum are there because they are lazy. Cutting taxes for the rich is the best economic program for everyone. America is one step removed from becoming a totalitarian state. Etc.
In other words, my conservative friends, it may finally be time to come to terms with the following:
Its your ideas that leave something to be desired, not the media's coverage of them.
In Obama's pocket, what a joke.
United States
#71 Oct 23, 2013
Did you say something? I guess not...
#72 Oct 23, 2013
Yep, I said, it's time to go over to Faux Snews and find out what you're concerned about today!
#73 Oct 23, 2013
You think you are so smart and the debate is over. Nothing is over!!! Was it over when the Germans bombed Pearl Harbor?? I got passed over. I'm smart, not like everyone says. I'm smart and I want respect!
#74 Oct 23, 2013
Got news for you looselips, there is no such thing as Obama phones. I have some swamp land in Florida you would be interested in though!
#75 Oct 24, 2013
What did it take you so long to answer that for? It's an easy question.
#77 Oct 24, 2013
Abuse reported.
#78 Oct 24, 2013
dont forget about me, my makeup is running
#79 Oct 25, 2013
Lok at that. Not even one "funny" emoticon reply. Because that was stupid. Just like you, stupid.
#80 Oct 25, 2013
SO why so long???
United States
#81 Oct 25, 2013
Fake Army Guy,
It's called life dumb ass...we're not all like you, sitting at a computer waiting for someone to post so you can spew more nonsense...we have lives to attend.
Replying to you boneheads is a little fun to do to break up the occassional break in work during the day, but after work, you are easily forgotten.
Just in case I don't have a chance to spar with you today...have a great day and a fine weekend.
#82 Oct 27, 2013
Because you sitting at a computer stealing time, posting day after day on topix is nothing like those boneheads.
#83 Oct 27, 2013
You're militia through and through. Now that's life. And don't talk to me about sparring. It just reminds me you really don't know how to fight in the first place. Unless you have a whole bunch of rednecks behind you to protect your sorry azz.
Sounds like a 21st century tea party to me. Yeehaw.
United States
#84 Oct 28, 2013
Try not to think of my little diversions during the day as anything other than what they are...it's only a way to escape a few times a day, so I don't go stir crazy in the office.
I didn't realize they needed to hire you as the Topix Police...did they give you a shiny little badge too?
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Acieta, LLC
- IA, United States
- Tel: (712) 328-3410
- Fax: (712) 328-3630
Click Here to Contact
- Member Since 1997
- Robotic Integrator
Acieta, formerly Ellison Technologies. founded in 1983, has become a leader in the robotics system integration field. Acieta offers the design, manufacture, integration, and service of all types of robotic systems: palletizing, machine loading, welding, and assembly, as well as indexing tables, positioners, headstocks/tailstocks, robot transport units, and electrical control panels. We also offer operator training, PLC programming, robot programming, engineering studies, system installation, and 24-hour field service. Acieta has installed systems nationwide for companies such as Bobcat, Caterpillar, James River, Zenith and John Deere. Recognized as a leader in robotic automation including a RIA certified integrator and an ISO 9001-2008 registered.
John Burg Steps Down as Acieta Iowa Division President
Acieta founder John Burg hands over division presidency to new leader, Blake Consdorf, effective April 1, 2016.
Ellison Technologies Automation Celebrates its 30th Anniversary
Ellison Technologies Automation (ETA), a leader in robotic automation, is celebrating its 30th anniversary in 2013. The company has been growing at a remarkable rate over the last 30 years and is now the largest FANUC Robotics material handling integrator in North America. Originally founded in Omaha, Neb.
New Robotics Certification Highlights Industry's Finest
Ellison Technologies Automation Earns Designation from Robotic Industries Association
Governor' Visit Highlights Advancements in Robotics, Education in Iowa
To view the recent advancements in industry and robotics education, Iowa Governor Terry Branstad paid Ellison Technologies Automation a visit
Ellison Technologies Automation to Host Celebrate Manufacturing
Ellison Technologies Automation (ETA) will host 'Celebrate Manufacturing' a technology forum featuring robotic demonstrations and technical seminars focused on productivity-enhancing


text: The Beech Hill Farm stand is open in open Mount Desert Island. The College of the Atlantic's local, organic farm began their season on Friday. They're encouraging low income food shoppers to take advantage of their discount programs. They accept food pantry vouchers as well as EBT. Thanks to fundraising efforts, this year the farm has introduced a "double your dollar" program for EBC and WIC customers spending more than 20 dollars. It's their hope that they can send those people home with twice as much produce. To meet that goal, the farm could use volunteers willing to get their hands dirty with weeding, seeding, and harvesting.If you'd like to volunteer your time, you can e-mail the staff at [email protected]


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2014 One Inch Per Month Challenge
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Join Date: Sep 2013
Posts: 2,074
Friday, November 29, 2013 at 02:32PM
Definitely agree - people with split ends need regular trims and I say this from experience. Back when I was straightening my hair I only cut it once a year in an effort to grow it and it NEVER seemed to grow ... only later did I realise it's because my hair was just breaking off. I always had SUCH bad split ends (even right after a cut).
That's one of my favourite things about being CG and no-heat - I have no split ends now (granted my last cut was only a couple of months ago, but for me this is still a huge deal). Plus I have basically no breakage either.
That's why I'm so excited for this challenge - I can't wait to see how my hair grows now I'm actually taking care of it!
3B. Med porosity. Med thickness. Med density.
LP: Shea Moisture (currently JBCO)
Conditioner/CW: Jason Aloe Vera
LI: Aunt Jackie's Curls & Coils Quench
Refreshing: TRESemmé Naturals Aloe Vera & Avocado
Gel: DevaCurl Ultra Defining Gel
Aunt Jackie's Soft & Sassy Super Duper Softening Conditioner
Treatments: Coconut oil/Coconut milk
UK curly. CG since Oct 2013.
Growing my hair to WL when dry


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Well the day started at 5:30am when I was woken up and rushed into the car my mum saying "Were late" and not giving me time to do my mourning business. Well I held on for the first half hour of the trip hoping preying we would stop soon, but than I could hold on no longer and I went number two on the back seat. Needless to say my mum was not impressed. Half an hour later we arrived at what mum reffered to as work but I would have called it scent heaven, so many smells dogs, cats, humans it really was a great work out for my senses. Well I had to sit in my crate for like forever watching other animals walk past, when finally mum grabbed me and told me the purpose of me coming to this place known as work, PHOTO DAY it was staff photo day with there pets, so I had to pose on my mums lap with people making me move my head hear look there, after what seemed like an eternity they got the perfect shot, I look exceptionally good if I may say so myself. Well after the photo mum got out the clippers and too my horror 50 minutes later I left the grooming room with a poodle clip "Shame". I was than moved into the clinic play room and was given the opportunity to play with a boarder collie (Lilly) and two whippets ( Barnaby and Sophi). Well after the play it was back in the crate until mum was ready to leave. And just when I thought the drama was over I got home and Gypsy didn't recognise me!!! That is the first and last time I go to work with mum, now if you will excuse me I am very tired.
Since the excitement of Christmas and New Years has passed, things have gone back to normal and every day is quiet, average and routine and I LOVE IT. I get up every mourning I lay around, than I go to the beach and play with the other pups and than I come home have my dinner, lay on the couch why my mum watches T.V and go to sleep. Life is great.
Sloppy kisses to all who read my diary :)
Hello All
Well today my mum packed me and my sister in the car and took us to the ..... VET CLINIC AHHHHHHHHHHHH, I had just been last week for my yearly vaccination and was not impressed about being back so soon, so I tried to run back out the door. Well I didn't see the vet but a very strange looking man that I met last year "Santa". I was scared we were there to have our photo taken individually but I was to scared because last year Gypsy was with me but mum said we were going seperate this year. Well I got a bit nervous so mum got in the photo too so that I could sit on her lap which she wasn't happy about as her hair was not done, we will put it on the site on Saterday, I think you will all get a laugh out of it.
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text:
Friday, February 26, 1999
DJIA 9306.58 -59.76 (-0.64%) S&P 500 1238.33 -6.69 (-0.54%) Nasdaq 2288.03 -38.79 (-1.67%) Russell 2000 392.26 -0.43 (-0.11%) 30-Year Bond 95 11/32 +28/32 5.57 Yield
Truck and bus manufacturer Navistar International Corp. (NYSE: NAV) motored ahead $3 9/16 to $43 after a report in a Swedish newspaper reignited speculation that heavy duty trucks maker Volvo (Nasdaq: VOLVY) will make a bid for the company. Volvo, which is staying mum, fell $3/4 to $25 1/2. Anticipation of a bid is building, since Volvo President and CEO Leif Johansson is catching a plane to the States next week to make a scheduled appearance in New York. At first blush, a bid seems to make good sense -- Navistar has really gotten its business in gear over the past few years, increasing return on equity from 7% in fiscal 1996 to 33% in 1998, while Volvo will soon find itself sitting on $6.45 billion in cash if the planned sale of its auto unit to Ford (NYSE: F) closes as expected later this spring. A sticking point may end up being the price tag, since the buyout rumors have helped boost Navistar's shares nearly 30% over the last two weeks.
Specialty integrated circuits maker VLSI Technology (Nasdaq: VLSI) jumped $4 3/4 to $15 1/2 after the Netherlands' Philips Electronics (NYSE: PHG) offered to buy the company for $17 per share in cash, or about $777 million. VLSI is reportedly considering the bid. The deal suggests Philips may readying itself to make a major push into the global mobile phone market, which is controlled by the Ericsson (Nasdaq: ERICY), Nokia (NYSE: NOK.A), and Motorola (NYSE: MOT) wireless troika. Philips could leverage VLSI's System-Level Silicon chips in its own mobile phones, enabling it to cut costs through vertical integration. However, such a scenario would probably result in VLSI losing its historical number one customer, Ericsson, which by itself accounted for 29% of VLSI's $712.7 million in fiscal 1997 revenues.
QUICK TAKES: Wireline and wireless network synchronizing products maker Datum Inc. (Nasdaq: DATM) gained $1 11/16 to $8 7.16 after reporting Q4 EPS of $0.01, flat with last year's results but ahead of the First Call mean estimate of a loss of $0.07 per share... Embedded integrated circuits development tools provider Wind River Systems (Nasdaq: WIND) sailed ahead $2 1/16 to $22 13/16 after posting Q4 EPS of $0.20 (excluding charges), up from $0.15 a year ago and ahead of the First Call mean estimate of $0.19... Valassis Communications (NYSE: VCI), a printer of newspaper advertising inserts, tacked on $1 to $48 after Merrill Lynch raised its near-term rating to "buy" from "accumulate."
Internet telephony technologies firm NetSpeak Corp. (Nasdaq: NSPK) added $3 to $15 3/8 after Business Week's dubious "Inside Wall Street" column speculated that Motorola (NYSE: MOT) may expand its 32% stake in the company or just buy the whole shebang outright... Credit card lender Capital One Financial (NYSE: COF) charged ahead $3 3/4 to $127 5/8 after Piper Jaffray started coverage of the firm with a "strong buy" rating and a 12-month price target of $157 per share... Brokerage and investment bank Donaldson, Lufkin & Jenrette (NYSE: DLJ) advanced $3 to $57 after agreeing to buy Citigroup's (NYSE: C) Newbridge Securities trade processing services unit for unspecified terms. Separately, Citigroup rose $2 1/8 to $58 3/4.
Paging company SkyTel (Nasdaq: SKYT) climbed $1 3/4 to $18 after Salomon Smith Barney started coverage of the company with a "buy" rating... Financial planning software developer Intuit (Nasdaq: INTU) quickened its pace and sprinted $9 3/8 higher to $98 15/16 after posting fiscal Q2 EPS of $1.34 (before gain), topping last year's $0.95 and analysts' estimates of $1.30... Cancer drug developer SuperGen (Nasdaq: SUPG) advanced $1 1/8 to $9 3/4 after filing a supplemental New Drug Application (NDA) with the FDA to receive additional approvals to use its existing Nipent drug to treat various mature T-cell lymphomas.
International engineering and construction firm Fluor Corp. (NYSE: FLR) picked up $1 7/16 to $35 3/16 following a Salomon Smith Barney upgrade to "buy" from "neutral"... Computer products e-commerce technologies provider pcOrder.com (Nasdaq: PCOR) rose $26 1/8 to $47 1/8 in its first day of trading after the company sold 2.2 million shares in an initial public offering at a price of $21 per share... Business software consultant and services provider Intraware (Nasdaq: ITRA) gained $2 7/8 to $18 7/8 following its initial public offering of 4 million shares at a price of $16 per stub.
Drug developer Sepracor (Nasdaq: SEPR) moved up $6 1/2 to $124 3/4 after reporting a Q4 loss of $1.10 per share, which was not quite as bad as the loss of $1.21 per share expected by the 10 analysts surveyed by Zacks... Truckee, California-based SierraWest Bancorp (Nasdaq: SWBS) climbed $1 5/8 to $30 1/2 after agreeing to merge with BancWest Corp. (NYSE: BWE) in a stock swap valued at $194 million... Ear, nose, and throat surgical products maker Xomed Surgical Products (Nasdaq: XOMD) gained $2 1/4 to $36 3/8 after posting Q4 EPS of $0.26 (excluding charges), up from $0.21 last year and ahead of the First Call mean estimate of $0.24.
PC companies fell en masse today with the proximate cause being a couple of Compaq (NYSE: CPQ) downgrades and the contributing factor being the assumption of a slower growth rate for the PC market. Compaq was slammed for a $5 5/8 loss to $35 3/8, Dell Computer (Nasdaq: DELL) was off $1 5/8 to $80 1/8, Gateway (NYSE: GTW) was off $7 7/16 at $72 11/16, IBM (NYSE: IBM) was blown over $3 7/8 to $169 3/4, and Micron Electronics (Nasdaq: MUEI) fell $3/16 to $14 3/8. Merrill Lynch analyst Steven Milunovich got the ball rolling after he dropped his first quarter revenue estimate for Compaq from $10.1 billion to $9.8 billion and decreased his EPS estimate 14%, to $0.30 from $0.35. However, hitching the entire PC industry's fortunes to a slowing Compaq wagon is probably not a strategy investors should embrace, as Dale Wettlaufer (TMF Ralegh) explains in today's Fool Plate Special.
Dragged down amid the PC fallout was chip giant Intel (Nasdaq: INTC), which fell $7 13/16 to $119 15/16. Not helping Intel's case was the release of a report by computer sales data compiler PC Data that stated that rival Advanced Micro Devices (NYSE: AMD) accounted for 43.9% of all desktop PC processor unit sales last month, topping Intel's 40.3% share. This is the first time that AMD's chips have outsold Intel's desktop PC offerings during any month in this category, which is much more narrowly defined than International Data Corp.'s quarterly microprocessor sales round-ups. In fact, with the rabid popularity of sub-$1,000 PCs, Intel may never regain the top share in the low margin "cheap chip" business, so long as AMD doesn't completely blow apart. According to today's report, sub-$1,000 PCs accounted for 65% of the market in January, up strongly from 51% of the market the month before.
QUICK CUTS: Biotechnology firm Emisphere Technologies (Nasdaq: EMIS) moved back $2 1/4 to $13. The company said the FDA asked for additional information about the development of oral heparin, meant to help prevent deep vein thrombosis following hip replacement surgery. The request is expected to delay the start of the company's Phase III clinical testing... Securities market maker Knight/Trimark Group (Nasdaq: NITE) darkened $5/8 to $34 3/4 after it announced a secondary offering of 9 million shares at $35 per share... Entertainment and consumer products retailer and direct marketer K-tel International (Nasdaq: KTEL), which launched a German e-commerce site targeting the central European market, lost $2 11/16 to $9 15/16 today.
Signal processor chip maker Analog Devices (NYSE: ADI) dropped $2 to $25 1/16. Yesterday afternoon the company announced the purchase of Scotland's Edinburgh Portable Compilers, a privately held company that develops high performance C/C++ and Fortran language compilers... Boston-based equity investment firm Affiliated Managers Group (NYSE: AMG) dumped $1 1/8 to $26 after it priced an offering of about 5.5 million shares of company stock at $27 1/8 per share, yesterday's closing price. The company intends to use proceeds from the sale to pay down debt... Enterprise resource planning software developer Platinum Software Corp. (Nasdaq: PSQL), which received downgrades from Donaldson, Lufkin & Jenrette and First Albany today, fell $1 5/16 to $7 1/4.
Chip maker Micron Technology (NYSE: MU) shed $8 13/16 to $58 after Goldman, Sachs & Co. downgraded the company to "market outperform" from its "recommended list"... International long-distance phone service provider Star Telecommunications (Nasdaq: STRX) moved down $1 to $13 after ING Baring Furman Selz downgraded the stock to "buy" from "strong buy," lowering its 1999 EPS forecast to $0.38 from $0.48... Network software developer Novell Inc. (Nasdaq: NOVL) slid $1 1/2 to $19 3/8 after reporting fiscal Q1 EPS of $0.08, up from $0.04 last year but a penny shy of the First Call mean estimate... Supplemental cancer painkiller developer Anesta Corp. (Nasdaq: NSTA) fell $1 7/16 to $19 13/16 after putting up a fiscal 1998 net loss of $1.59 per share, which was worse than the loss of $1.38 per share expected by the six analysts surveyed by First Call.
An Investment Opinion
by Dale Wettlaufer
Financial Karma, Part 2
Would you like to know how much a company is earning before you invest in that company? You should, because without that information, it gets difficult to understand how to value that company. By that, I don't mean just coming up with a P/E that seems right and plunking down your cash. I mean, it's difficult to assess how much to pay for a company if the form of earnings does not portray the economic substance of a business.
This frames the issue I put forth in yesterday's Fool on the Hill. In that column, I discussed the issues behind the Financial Accounting Standards Board's (FASB) decision to recommend a change in the method of accounting for mergers and acquisitions for research and development-intensive companies. Today I want to first look at the cash flow aspects of the issue, and then on Monday I'll deal with the balance sheet aspects of merger and acquisitions accounting.
To begin with, the issue of in-process R&D write-offs has generated a lot of light and heat because executives believe the market is preoccupied with reportable earnings. Anything that reduces reportable earnings is undesirable, the thinking goes, because the market discounts earnings. As an ontological framework, that's not correct. Many CEOs and CFOs contemplating their company's place in the financial universe think "earnings and EPS growth." Many Wall Streeters do, too. The enlightened investor, however, thinks "free cash flow." And that is where your thinking should be directed.
At issue is this: If I am Dale Systems Inc. and I make data switches using superconductor technology, I might want to acquire another company whose software will really advance my product. Say this acquisition target has $15 million in revenues but the going price for such a concern is $200 million. The target company has $20 million in appraised book value. Most of the value of this company lies in its intellectual property. I'm obviously not buying it to liquidate its workstations, desks, leases, and other hard assets.
As the CEO of Dale Systems, I want to attribute 90% of the excess purchase price over book value to "in-process R&D" and expense that immediately. So this year I take a write-off equal to 90% of the $180 million excess. For the purposes of this example, let's leave taxes out of it. So that $162 million write-off reduces my net income by the same amount and it also reduces my company's book value by $162 million because it reduces retained earnings by that amount. Not to worry here, as "the Street" looks at "earnings before extraordinary items."
Now, say my company earned $100 million before the write-off this year and next year it will earn $200 million because the product synergies we forecast were extremely well received by customers. Let's also say Dale Systems would have earned $150 million next year without the new software. Wall Street's happy, my options are worth a whole lot more, my employees are happy, my engineering classmates know now that I'm The Man and not the geek they thought I was, and my kids are bouncing around like little kangaroos because they can get the G.I. Joe with the kung-fu grip for Christmas.
But now the accountants and economists at FASB and the Securities and Exchange Commission want to change all that. I can't write off the in-process R&D when I make the acquisition. I have to capitalize the acquired R&D and amortize the asset over a number of years. In this case, let's say by standard industry practices and our best judgment that turns out to be five years. So, on the acquisition date, I have to mark up on the asset side of the balance sheet an intangible asset of $162 million called "in-process R&D." On the liabilities and equity side of the balance sheet, my shareholders' equity is $162 million higher because there was no write-off to reduce my retained earnings.
Nothing is different with the product synergies. Silicon Valley is still quaking because some upstart company from Buffalo, New York, just strengthened its market share in the extremely important superconductive data switching market. I'm bummed, though. These accountants and FASB ninnies caused my earnings to be $32.4 million lower than they would have been had I been able to write off the R&D. How that works is simple. If I have to capitalize the $162 million of in-process R&D and I must write it off over its useful life of an estimated five years, then each year I charge off 20% of that capitalized asset. That's $32.4 million per year charged to earnings. So my earnings this year are $167.6 million instead of $200 million. Ninnies.
You know what, though? The market doesn't care, because accounting methods don't alter cash flow. Sure, there will be the occasional analyst on your conference call that can't quite get it straight and downgrades you because your earnings growth didn't fit into his or her price-to-earnings-growth model. But the market as a whole isn't going to get hung up on the form of your earnings. The economics of your cash flows are simple enough to see under the two methods of accounting. Let's look at cash flows for the year after the acquisition under the two scenarios (both in thousands of dollars):
Write-off method
Cash flows from operating activities:
Net income.....................................................$200,000
Adjustments to reconcile net income to
net cash provided by operating activities:
Provision for doubtful accounts..........................9,000
Change in operating assets and liabilities:
Accounts receivable........................................(43,000)
Prepaid expenses and other current assets......(5,000)
Accounts payable..............................................12,500
Accrued payroll and related expenses................7,000
Capitalization and amortization method
Cash flows from operating activities:
Net income.....................................................$167,600
Adjustments to reconcile net income to
net cash provided by operating activities:
Amortization of in-process R&D........................32,400
Provision for doubtful accounts...........................9,000
Change in operating assets and liabilities:
Accounts receivable.........................................(43,000)
Prepaid expenses and other current assets.......(5,000)
Accounts payable................................................12,500
Accrued payroll and related expenses..................7,000
There's no difference in the cash flows. That means there's no difference in the cash economics of the business. As for taxes, you might get to record a tax asset if you write off the R&D immediately, but if you only get to use the tax asset at the same rate as the deductible amortization expense over the asset's life it still doesn't make a difference to cash flows. But some IRS rules are even more screwed up than the most demented Generally Accepted Accounting Principle (GAAP) dictates, so we'll just move past the tax issue.
Amortization is a financial accounting memorandum. Some people treat all amortization as the same -- as in "don't worry about it, it's a non-cash expense." To my mind, there's a big difference between the goodwill that gets marked up on the balance sheet in a bank acquisition and the R&D intangible that gets marked up on the balance sheet in an industry with five-year or shorter product cycles. If you're turning over your entire product line in five years and you must replace that intellectual property with new acquisitions or homegrown R&D, the amortization is a memorandum that tells you about the amount of resources you need to expend to maintain your economic position. That assumes the return on future projects exhibits the same return characteristics as aged investments. If returns on future projects are higher, then you'll need to invest less to maintain your position.
For a depreciable asset like a drill press or something, if it's charged off over 20 years, it's not like it's going to fall part in year 21. Generally, though, if your depreciation schedule matches the useful life of an asset and inflation is not raging out of control, your depreciation expense will be directly offset by the amount of cash your need to spend to replace your assets. Goodwill is a little different, though, depending on the company.
For a bank holding company, goodwill amortization does not signify that it needs to spend a like amount of money to keep the customers it gained through the acquisition that gave rise to the goodwill. For a company in the superconductive data switching business, the asset is probably going to run its useful life over a much shorter period of time, during which you'll have to spend money to replace it. The purchased intangibles that arise from the acquisition of Coca-Cola are a lot more durable, if you run the business correctly, than the purchased intangibles in a software acquisition.
These are generalizations and, of course, there are exceptions. The problem with high-tech business is that the cash expended to replace assets shows up on the income statement right away. You're not replacing capitalized assets with more capital expenditures. That seems to be the big hang-up with a lot of executives in R&D-intensive industries. As I showed above, though, the market looks through that problem. When it comes to cash flows, the market is over the long run a suave sophisticate. It doesn't appreciate cartoonish portrayals of earnings. It can tell the difference between GAAP earnings and real cash flows.
Bottom line: The method of accounting doesn't change the gross cash flow, except possibly for small changes to the tax situation. How you think the non-cash amortization expense reflects a need to maintain those assets is something different. The form of the accounting chosen does not change the substance of the gross cash flow you have to work with to reinvest in the business. On Monday, I'll look at some of the balance sheet aspects of acquired R&D accounting and poolings versus purchase. I'll also nail down a little harder the economics of cash flows.
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Immigration Law
Immigration Law Questions? Ask an Immigration Lawyer.
No, both of us were not.
Our asylum has been rejected but we didi't get yet any deport decision
In general, children born in Sweden to foreign parents do not acquire Swedish citizenship at birth, although if they remain resident in Sweden they may become Swedish later on.
http://www.opm.gov/EXTRA/INVESTIGATE/is-01.PDF states
MADAGASCARCITIZENSHIP: Malagasy citizenship is based upon Ordinance No.60-064, dated July 22, 1960.Malagasy nationality law is based on descent from the father (jus sanguinis). BY BIRTH: Birth within the Republic of Madagascar does not automatically confer citizenship.Citizenship is only granted automatically in cases of abandoned children. BY DESCENT: Child, born in wedlock, whose father is a citizen of Madagascar. Child, born out of wedlock to Malagasy mother, when the child's father is stateless or unknown
PAKISTANCITIZENSHIP: Citizenship laws are based upon the Pakistan Citizenship Act of April 13, 1951.(UKC-Commonwealth Nation) BY BIRTH: Child born after April 13, 1951, in the territory of Pakistan, regardless of the countryof birth. The exceptions are the children of certain diplomatic personnel. Persons born in Pakistani territory on or before April 13, 1951 are granted citizenship Person who was born in Pakistan or whose parents or grandparents were born in Pakistan and who had permanently resided in the country since August 14, 1947. A person naturalized as a British subject in Pakistan, and who had renounced any foreign citizenship acquired after birth. Person who before April 13, 1951 had migrated to Pakistan from the Indo-Pakistansubcontinent with the intention of residing permanently in Pakistan. BY DESCENT: Child born after April 13, 1951 of a native-born Pakistani father, regardless of the child's country of birth. Child born abroad after April 13, 1951, of a Pakistani father not born in Pakistan, is a citizen only if the child is registered at the nearest Pakistani Consulate or Mission.
My opinion: if the baby is born before you get married he or she will be Malagasy; if born after marriage he or she will be Pakistani if the father was native born in Pakistan.
You each might want to get one of these:
See http://www.worldservice.org/docpass.html


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Earlier this week we saw the release of the highly anticipated Instagram client for Windows Phone called 6tag. Developed by Rudy Huyn in just a few weeks' time, the app has skyrocketed to the top of the Windows Phone Store. While the app is not official or endorsed by Instagram, the company signed off on the name as not conflicting with their brand, in addition to looking the other way on the usage of their API.
Now, version 18.104.22.168 has landed in the Store and while it doesn't bring any new features per se, it does address some security concerns that were raised in an alarmist article. Plus, we can share with you a new trick that will allow you to open 6tag from Internet Explorer 10.
So what are those changes?


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Levdansky concedes 39th race
In an open letter to former 39th Legislative District constituents, David Levdansky conceded defeat in his rematch against Rep. Rick Saccone.
"I want to thank the voters who supported me in this long, grueling campaign and throughout all of my elections over 26 years," said Elizabeth Democrat Levdansky, who has lost twice to Elizabeth Township Republican Saccone.
"It's been gratifying to be given the opportunity to serve the people's interests," Levdansky wrote. "There is a legal challenge to 35 absentee and six provisional ballots cast in Allegheny County (but) if they were to be counted they would not materially affect the outcome of my race."
Allegheny's board of elections meets today to consider disputed votes and will meet Nov. 26 to certify the Nov. 6 results.
Complete but unofficial results show Saccone at 14,486, and Levdansky at 14,372.
"I will continue with a positive message of reform and growth," Saccone said, again thanking "the many churches (and) more than 1,000 individuals who said they were praying for me."
Levdansky was ahead in 48 Allegheny County precincts by 310 tallies but Saccone was 424 ahead in 13 Washington County precincts.
"While it appears I have come up short in this campaign, I haven't lost my sense of social justice, my friends, family and supporters," Levdansky wrote. "I have felt the outpouring of affection and support of the people of this district and I will carry that with me for the rest of my life."
Levdansky reiterated comments made to The Daily News, that he "always believed that every vote counts and that every vote should be counted." He expressed gratitude "for the tremendous support I received (from) the labor movement, the education community, environmental groups and advocates for women and consumer protection."
Levdansky said he regretted not being able to move campaign finance reforms through the legislature, "especially in light of the U.S. Supreme Court's Citizens United decision," and said he "endured political attack ads cumulatively over two elections funded by more than $1 million in special-interest money."
"He exaggerates the amount of money spent against him while omitting the vast amount spent by him, and his supporting groups such as unions and Planned Parenthood," Saccone responded.
Levdansky criticized "my opponent's unwillingness to appear with me before voters and debate the issues," charging that Saccone "chose one-sided mailers funded by special-interest money to attack and misrepresent my record."
"He continues to fabricate the tale of refusal to debate when we debated in the primary in front of nearly 100 people and he fared very poorly," Saccone said.
That was a reference to a League of Women Voters forum held April 18 at Central Volunteer Fire Department in Elizabeth Township. All four candidates running for Saccone's seat in the spring primary took part.
Patrick Cloonan is a staff writer for Trib Total Media. He can be reached at 412-664-9161, ext. 1967, or firstname.lastname@example.com.
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BEIJING — China's famed Shaolin Temple has set up over 40 companies overseas as it hopes to spread Buddhist-inspired martial arts around the globe, state press reported.
But the announcement of a vast business plan to send the temple's famed warrior monks abroad has been met with criticism over the commercialisation of Buddhism, the Global Times said on Monday.
"We currently operate over 40 companies in cities across the world, such as Berlin and London," the paper quoted Shi Yongxin, the temple's abbot, as saying at a Beijing culture forum
Read More Here...
China's Shaolin Temple builds business empire
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Looks like a little legacy gt
This is a discussion on 2014 Subaru testing within the New Cars/Prototypes Forums forums, part of the Community - Meet other Enthusiasts category; Looks like a little legacy gt...
Looks like a little legacy gt
Teh Intern @ WTF Tuning, LLC
2009 WRB Subaru Wrx Sedan: Torqued Performance Stg2
Stink eye Mob #287
N.E.R.D. #43252003274489856000 (the total number of configurations of the Rubik cube)
"It's not turbo-lag, it's foreplay"
Everyone can relax. No way would they have the new styling for the rex just running around with no camo, unless they really intend for it to just look like an impreza with a hood scoop. Given that the past few years' widebody look are a direct result of them listening to the consumer base and making sure the wrx explicitly doesn't look like an impreza with a hood scoop...I'd think that unlikely.
Edit: Even more confirmed that we can all relax...if you actually go to the article and look at the picture gallery, I'm fairly certain the exhaust cutouts in the rear fascia were done with a sawzall
- Will
Current Car: 2015 Honduh Civic SIgh
Previous Cars:2014 Golf TDI, 2012 WRB WRX Hatch, 2004 RSX-S, 1998 Grand Prix GTP
"Isn't it amazing how smart you feel when you just aren't being stupid?"
The panic is hilarious. No way to know what this thing really is. OTOH, I wouldn't put it past Subaru to issue a car that we all now feel is uber-bland. In fairness, it's how all of us felt when the 2008 was shown.
Grandfather of the Bugeye Mafia
2013 Subaru BRZ Limited
2002 Subaru WRX Bugeyebrid Wagon -- SOLD
2002 Subaru WRX Sedan -- SOLD
Its not ugly enough. I get a kick out of driving "one of the ugliest cars ever"
And I love the new wagon. Its just quirky, a turbocharged wagon! So wrongfully right =)
TBH, the 08s were bland, and underpowered...they fixed one of those issues with the 09s (referring only to the sedans, as I didn't really pay attention to the hatches until the 11/12s). I happen to really like the looks of the 11/12s, with the wide body etc, but I also really like the hawkeyes
Teh Intern @ WTF Tuning, LLC
2009 WRB Subaru Wrx Sedan: Torqued Performance Stg2
Stink eye Mob #287
N.E.R.D. #43252003274489856000 (the total number of configurations of the Rubik cube)
"It's not turbo-lag, it's foreplay"
The Big 2011/2012 Mod Thread
Ooh,hang on. That is the throb of a turbocharged flat four engine. A sound which,all over the world,heralds the imminent arrival of a moron - JC.
Here is what I spot.
1. Hood scoop (obviously)
2. Side mirror blinkers (only availible on STi models)
3. WRX wheels and tires
4. WRX sized intercooler
5. WRX sized brakes
6. STi 6 speed shift knob (the interesting part. It may just be to throw people off. It could be a 6 speed due to the WRX intercooler.)
7. Quad tipped exhaust...
8. Oil filter on top of the motor
Oh. Has anyone ever though that this could be the Impreza GT?
on the new WRX I spy:
1. In the article it says that the intercooler sticks further up towards the hood. Maybe indicating that it could be the new FA motor.
2. SPT exhaust.
Last edited by 90crxfreak; 08-25-2012 at 04:45 PM. Reason: #8.
from car and driverWhat It Is: A next-gen Subaru WRX mule prancing about in the body of a current Impreza sedan. Until now, the turbocharged WRX has been based on contemporary Impreza bones, but the new oneand the even-harder-core STI variantwill be split off from the Impreza lineup both in name and mechanical makeup. So although the car seen in these pictures resembles a current-generation Impreza four-door, the 2014 WRX will look quite different.
2014 Subaru WRX Spy Photos News Car and Driver
thought subaru was gonna stop the whole wrx impereza deal and just make them to seperate cars?
My "Build" Thread!
Hawk-Eye Alliance #1856...ssshhh don't tell anyone!
Like I mentioned above, it's a Base Impreza Chasis with a scoop on with the next gen wrx Drivetrain/transmission/engine.. They aren't going to just "Show off" the new wrx model like that.. Plus, it has the current WRX Wheels on. (Maybe this means the new WRX will still have the 5x100's?)


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Southern Nationals Bonus Series Event at Tri-County Postponed; Boyd's Speedway still on for Saturday(not a nice word)
By Chris Tilley, Southern Nationals Bonus Series P.R. Coordinator(not a nice word)
BRASSTOWN, NC (March 15, 2017)--Due to cold temperatures forecasted and late rain for(not a nice word)Friday night, promoter Ray Cook regrettably has to postpone the Season Opening Southern Nationals Bonus Series event scheduled for(not a nice word)Friday Night(not a nice word)March 17, 2017 at Tri-County Race Track. A makeup date for the Tri-County Race is TBA.(not a nice word)
Saturday's Shamrock 40 event at Boyd's Speedway is still on as scheduled.(not a nice word)
Saturday March 18th(not a nice word)the tour will visit the David Duplissey and Dale McDowell promoted Boyd's Speedway in Ringgold, Ga. for a 40-lap $4,000-to-win and $400-to-start event. This year's edition of the Shamrock 40 will also feature racing in the Crate Late Models ($1,500-to-win), Sportsman ($600-to-win), Hobby ($300-to-win) and Street Stocks ($300-to-win). Brandon Overton of Evans, Ga. won the 2016 Southern Nationals Bonus Series version of the Gobbler race that paid $10,000-to-win at Boyd's Speedway. Shanon Buckingham of Morristown, Tenn. opened the 2017 season at Boyd's Speedway with his $3,500 Cabin Fever 40 victory January 28th in the Schaeffer's Oil(not a nice word)Iron-Man(not a nice word)Championship Series event.
On Saturday at Boyd's Speedway, the pit gates will open(not a nice word)at 3:00 pm(not a nice word)and the grandstand gates will open(not a nice word)at 4:00 pm(not a nice word)with the driver's meeting slated for(not a nice word)6:00 pm(not a nice word)and the hot laps will roll out soon after. Adult general admission is $20.00 and adult pit passes are $35.00.
Tire Rule for Saturday at(not a nice word)Boyd's Speedway: Hoosier 1350/1600 and American Racer: 48/56
Boyd's Speedway is located at(not a nice word)1481 Scruggs Road in Ringgold, GA 30736. Further information can be obtained by calling(not a nice word)(706) 891-6803(not a nice word)or visit(not a nice word)www.BoydsSpeedway.net. Mufflers are mandatory in all divisions competing at Boyd's.
Further information on the Spring Nationals, Southern Nationals and Southern Nationals Bonus Series can be obtained by calling Promoter Ray Cook at(not a nice word)(828) 360-5353(not a nice word)or Series P.R. Coordinator Chris Tilley at(not a nice word)(606) 219-1723(not a nice word)or visit the official website located at(not a nice word)www.SouthernNationalsSeries.com(not a nice word).
Boyd's Speedway Purse: 1) $4,000, 2) $2,000, 3) $1,400, 4) $1,000, 5) $800, 6) $700, 7) $600, 8) $550, 9) $525, 10) $500, 11) $480, 12) $470, 13) $460, 14) $450, 15) $440, 16) $430, 17) $420, 18) $410, 19) $400, 20) $400, 21) $400, 22) $400.


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