Testosterone marketing frenzy draws skepticism USA TODAY "The problem is that we don't have any evidence that prescribing testosterone to older men with relatively low testosterone levels does any good," says Dr. Sergei Romashkan, who oversees clinical trials for the National Institute on Aging, a part of ... |
Monday, September 10, 2012
Testosterone marketing frenzy draws skepticism - USA TODAY
karnergetajequ1416.blogspot.com
Saturday, September 8, 2012
Survey: Gas prices factor in car purchases - Pacific Business News (Honolulu):
disadvantage-unlimited.blogspot.com
Eighty-seven percent of new car shoppers last month said they think gas prices will go much up from 66 percentin April. The prospect of highedr gas prices also is having an impacrt onpurchasing decisions. When asked what they would be most likelyh to compromise in theirnext new-vehiclr purchase, shoppers cited engine size as the top item likely to be followed closely by vehicle size. In addition, 73 percent of thosee who saw gas prices increasing in May said they plan to changwe their spending habits if gas prices were to gomuch "While we may not see the $5-per-gallojn gas experienced in some areas last current economic conditions compounded by the pain at the pump may make $3-per-gallon gas a new threshold for car buyers the point at which they change theid mind about what vehicle to buy and how they spend thei money," said Jack R.
Nerad, executive editoriakl director and executive marke t analyst for Kelley Blue Bookand KBB.com, in a news
Eighty-seven percent of new car shoppers last month said they think gas prices will go much up from 66 percentin April. The prospect of highedr gas prices also is having an impacrt onpurchasing decisions. When asked what they would be most likelyh to compromise in theirnext new-vehiclr purchase, shoppers cited engine size as the top item likely to be followed closely by vehicle size. In addition, 73 percent of thosee who saw gas prices increasing in May said they plan to changwe their spending habits if gas prices were to gomuch "While we may not see the $5-per-gallojn gas experienced in some areas last current economic conditions compounded by the pain at the pump may make $3-per-gallon gas a new threshold for car buyers the point at which they change theid mind about what vehicle to buy and how they spend thei money," said Jack R.
Nerad, executive editoriakl director and executive marke t analyst for Kelley Blue Bookand KBB.com, in a news
Friday, September 7, 2012
Forced Arbitration Denies Consumers Fair Hearing on Complaints About Credit Cards and Other Financial Products
humojo.wordpress.com
June 3 /PRNewswire-USNewswire/ -- Consumers have the deck stackex against them when they are forceds into mandatory arbitration by their credit card issuer or othere financialservices provider, an analysis by the Center for Responsible Lending Many consumers don't even know that the contracts they sign for most credigt cards, auto loans and other smallp loan products come with hidden clauses that require they use arbitratioh rather than the courts if a complaint arises. A receny poll shows Americans believe they should have the right to pursu e claims in court ifthey want.
The CRL "Stacked Deck," details some of the forces working againstan individual's ability to receivde a fair hearing during arbitration. Amontg them: -- Individual arbitrators have a strong incentive to favot the firms that provide them with repeat business over an individuapl consumer they may neversee -- Companies win a favorable ruling in arbitration far more often than consumers. -- Companieds involved in the mostarbitration cases--and therefor e in creating the most business for arbitrators?consistently receive more favorable rulings than firms involved in fewer cases.
CRL recommendss that, before signing a contract, borrowers read the fine ask questions and tryto opt-out of arbitration And they should keep in mind that such clauses may not alwayws be enforceable. The report is available at: is a nonpartisan research and polichy organization dedicated to protecting homeownership and famil y wealth by working to eliminate abusiverfinancial practices. CRL is affiliatede with , one of the nation's largesy community developmentfinancial institutions.
June 3 /PRNewswire-USNewswire/ -- Consumers have the deck stackex against them when they are forceds into mandatory arbitration by their credit card issuer or othere financialservices provider, an analysis by the Center for Responsible Lending Many consumers don't even know that the contracts they sign for most credigt cards, auto loans and other smallp loan products come with hidden clauses that require they use arbitratioh rather than the courts if a complaint arises. A receny poll shows Americans believe they should have the right to pursu e claims in court ifthey want.
The CRL "Stacked Deck," details some of the forces working againstan individual's ability to receivde a fair hearing during arbitration. Amontg them: -- Individual arbitrators have a strong incentive to favot the firms that provide them with repeat business over an individuapl consumer they may neversee -- Companies win a favorable ruling in arbitration far more often than consumers. -- Companieds involved in the mostarbitration cases--and therefor e in creating the most business for arbitrators?consistently receive more favorable rulings than firms involved in fewer cases.
CRL recommendss that, before signing a contract, borrowers read the fine ask questions and tryto opt-out of arbitration And they should keep in mind that such clauses may not alwayws be enforceable. The report is available at: is a nonpartisan research and polichy organization dedicated to protecting homeownership and famil y wealth by working to eliminate abusiverfinancial practices. CRL is affiliatede with , one of the nation's largesy community developmentfinancial institutions.
Wednesday, September 5, 2012
Crowded housing: Rent cuts and other concessions likely as landlords struggle to fill student housing - South Florida Business Journal:
iqukikofor.wordpress.com
The new construction comes in addition to several others completed in recent includingthe 203-unit University Village on Walker the 86-unit Fulton Place at the cornert of West Lee and Fultomn street, and the addition of 120 unitds in Sebastian Village on East Washington Street. Although no one keeps track of the exact number of apartmentxs aimedat students, the addition of several hundred in a few shorrt years clearly represents a significant growtj in inventory in and around local campuses. Many developers have been attracterd to the relatively steady income ofstudenf housing, and have been enticexd to build because of growing enrollments.
UNCG, for example, has growm its student population 16.6 percent in five to 16,703 as of fall 2008. N.C. A&T has growbn almost 14 percent in that same to 10,388. But by adding so many units in so short a time, they’re taking longer to sign leases, leavinbg many landlords wondering how long or if, they’ll hit full occupancy. “It used to be the everything was intheir hands, they could dictate the rulee of the game,” said real estate broker Ralp Jones, who is one of the developersd of the upcoming Spartan Crossing, at Sherwood and Granitd streets, near South Chapman Street. Now? “It’sw a student’s market.
” Seth Coker, a partner in in said that in past years his studeng apartment complexes would have been mostly leased for the upcoming school year bylate spring, as student made sure to secure a place as soon as they returnec from spring break. He started to see signs of a changewlast spring, when he was leasing for the 2008-09 year. “We’re abougt 95 percent (occupied) for this school year, whichu is really good, but it was a hard fight to get and we got thereby November,” he said.
Landlordes such as Coker and Bryom Nelson, executive vice president of in said many of thei properties are about 40 percent to 70 perceny leased for the upcoming school year, far behind what it was a few yearz ago. Elsewhere in the Triad, in areas surroundinh and , apartment managers say their communities are mostly on target to lease all of thei ravailable beds, and there have been few, if any, rent Property owners say there simply hasn’t been as much competitiomn in those areas, compared to Greensboro, and they’vwe seen little effect from the economy on students.
Greensbork apartment owners and property managers say they noticed the abundance of housinb choices creating problemslast year. Both UNCG and A&r house about one-third of students on which, between the two, oftenh leaves more than 15,000 students needinf an off-campus option. But the problem has gotten worse this as the economy has some studentsdelayingb decisions, looking for cheaper alternatived or possibly commuting from home to save As a result, student-housing landlords have been flirtingy with concessions. While they aren’t as steep as the conventionalorental market, which is suffering from 13.1 percent vacancy, there is evidence of deals.
Already manageras or developerssay they’ve upgraded Internet connections and adde flat-panel televisions to lure college students to their communities. But more expensived concessions might soon be onthe way, in the form of rent Coker said he’s alreadh knocked $25 per monthy off of rent at some properties. And new project s such as Spring Place, at the site of the old PomonwCotton Mill, add to that pressurs by offering deals such as one month’s free rent.
Jones and Randy Dixon, owner of The Edge in say they’ve managed to avoid rent cuts so far, but there’ s a good chance bigger and better deals will startg appearing later this summer ifthingsz don’t improve. “I hate concessions as much as everyone but I like 100 percentffull better,” Jones said. In the short term, developeras say that because of an abundanceeof supply, and the fact that it’s hard to find it’s unlikely there will be much more which will help the market levepl out. And long term, owners say they don’yt think the Greensboro markeytis over-saturated.
UNCG and A&T continue to anticipate enrollmenfgrowth — UNCG says it already has 300 more applicationa for housing than it can accept leaving a bigger potential especially when the economy turns. “We’re still in good Jones said. “I just think lease-up will come later.”
The new construction comes in addition to several others completed in recent includingthe 203-unit University Village on Walker the 86-unit Fulton Place at the cornert of West Lee and Fultomn street, and the addition of 120 unitds in Sebastian Village on East Washington Street. Although no one keeps track of the exact number of apartmentxs aimedat students, the addition of several hundred in a few shorrt years clearly represents a significant growtj in inventory in and around local campuses. Many developers have been attracterd to the relatively steady income ofstudenf housing, and have been enticexd to build because of growing enrollments.
UNCG, for example, has growm its student population 16.6 percent in five to 16,703 as of fall 2008. N.C. A&T has growbn almost 14 percent in that same to 10,388. But by adding so many units in so short a time, they’re taking longer to sign leases, leavinbg many landlords wondering how long or if, they’ll hit full occupancy. “It used to be the everything was intheir hands, they could dictate the rulee of the game,” said real estate broker Ralp Jones, who is one of the developersd of the upcoming Spartan Crossing, at Sherwood and Granitd streets, near South Chapman Street. Now? “It’sw a student’s market.
” Seth Coker, a partner in in said that in past years his studeng apartment complexes would have been mostly leased for the upcoming school year bylate spring, as student made sure to secure a place as soon as they returnec from spring break. He started to see signs of a changewlast spring, when he was leasing for the 2008-09 year. “We’re abougt 95 percent (occupied) for this school year, whichu is really good, but it was a hard fight to get and we got thereby November,” he said.
Landlordes such as Coker and Bryom Nelson, executive vice president of in said many of thei properties are about 40 percent to 70 perceny leased for the upcoming school year, far behind what it was a few yearz ago. Elsewhere in the Triad, in areas surroundinh and , apartment managers say their communities are mostly on target to lease all of thei ravailable beds, and there have been few, if any, rent Property owners say there simply hasn’t been as much competitiomn in those areas, compared to Greensboro, and they’vwe seen little effect from the economy on students.
Greensbork apartment owners and property managers say they noticed the abundance of housinb choices creating problemslast year. Both UNCG and A&r house about one-third of students on which, between the two, oftenh leaves more than 15,000 students needinf an off-campus option. But the problem has gotten worse this as the economy has some studentsdelayingb decisions, looking for cheaper alternatived or possibly commuting from home to save As a result, student-housing landlords have been flirtingy with concessions. While they aren’t as steep as the conventionalorental market, which is suffering from 13.1 percent vacancy, there is evidence of deals.
Already manageras or developerssay they’ve upgraded Internet connections and adde flat-panel televisions to lure college students to their communities. But more expensived concessions might soon be onthe way, in the form of rent Coker said he’s alreadh knocked $25 per monthy off of rent at some properties. And new project s such as Spring Place, at the site of the old PomonwCotton Mill, add to that pressurs by offering deals such as one month’s free rent.
Jones and Randy Dixon, owner of The Edge in say they’ve managed to avoid rent cuts so far, but there’ s a good chance bigger and better deals will startg appearing later this summer ifthingsz don’t improve. “I hate concessions as much as everyone but I like 100 percentffull better,” Jones said. In the short term, developeras say that because of an abundanceeof supply, and the fact that it’s hard to find it’s unlikely there will be much more which will help the market levepl out. And long term, owners say they don’yt think the Greensboro markeytis over-saturated.
UNCG and A&T continue to anticipate enrollmenfgrowth — UNCG says it already has 300 more applicationa for housing than it can accept leaving a bigger potential especially when the economy turns. “We’re still in good Jones said. “I just think lease-up will come later.”
Tuesday, September 4, 2012
Benet steps down from ATI after just 4 months - Austin Business Journal:
lehoquvuhu.wordpress.com
Reed Benet, an entrepreneur who begabn working at ATI inDecember 2008, said in a news releass he wanted to start companies ratherr than solely assisting other entrepreneurs. “I just realized that I needefd to sit on the other side of the he said. Director Isaac Barchas said Beneg is working withan Austin-based start-upo company developing carbon base-line information; a Texas-basexd clean energy investment vehicle, and privatew consulting. But he would assist the organization during May to ease the transitiobn while the ATI searches for a The ATI, a nonprofit division of the , was founded in 1989.
In addition to its clean energy section, the ATI features an information technology wireless incubato and a bioscience Benet was the clean energy incubator’s third director since it launchecd in 2001. He replaced Joel Serface, who steppe down in May 2008 to becomeran entrepreneur-in-residence at Kleiner Perkins Caufielsd & Byers, a California-based venture capital firm. Serfacs had joined the ATI in 2006. Benet spentf the previous four years as a candidate atthe , where he researched plug-in hybrid electric vehicles.
Before that he was the CEO of a California-based producer of herbal In 1994, Benet founded , a California-based drug deliverty company that was acquired in 2000 by Tennessee-based for an undiscloserd amount. The ATI has worked with more than 150 teamszof entrepreneurs, who have raised more than $725 millionj in investor capital while at ATI. When he startec last December, Benet said Austin was poised to become the cleanenergy industry’s location.
Reed Benet, an entrepreneur who begabn working at ATI inDecember 2008, said in a news releass he wanted to start companies ratherr than solely assisting other entrepreneurs. “I just realized that I needefd to sit on the other side of the he said. Director Isaac Barchas said Beneg is working withan Austin-based start-upo company developing carbon base-line information; a Texas-basexd clean energy investment vehicle, and privatew consulting. But he would assist the organization during May to ease the transitiobn while the ATI searches for a The ATI, a nonprofit division of the , was founded in 1989.
In addition to its clean energy section, the ATI features an information technology wireless incubato and a bioscience Benet was the clean energy incubator’s third director since it launchecd in 2001. He replaced Joel Serface, who steppe down in May 2008 to becomeran entrepreneur-in-residence at Kleiner Perkins Caufielsd & Byers, a California-based venture capital firm. Serfacs had joined the ATI in 2006. Benet spentf the previous four years as a candidate atthe , where he researched plug-in hybrid electric vehicles.
Before that he was the CEO of a California-based producer of herbal In 1994, Benet founded , a California-based drug deliverty company that was acquired in 2000 by Tennessee-based for an undiscloserd amount. The ATI has worked with more than 150 teamszof entrepreneurs, who have raised more than $725 millionj in investor capital while at ATI. When he startec last December, Benet said Austin was poised to become the cleanenergy industry’s location.
Monday, September 3, 2012
United Way promotes federal tax credit - New Mexico Business Weekly:
humojo.wordpress.com
The organization said the tax credift lifts more children out of povertu than any otherfederal program. An increase in thosse seeking the tax credit would improve financiaol stability ofarea families, whicu is one of United Way'xs focus areas. More than $350 million was claimec in 2007 throughoutCentral Florida, yet the Internall Revenue Service estimates that up to 25 percent of thoses eligible to claim the credit failed to do so becaus of lack of awareness, according to a Heart of Florids United Way release.
Tax credits can result in refundsa rangingfrom $438 to $4,824, according to the United Way is offering free informative sessionsa on the tax credites and materials in English, Spanishu and Creole for employers to help employees take advantage of program benefits. More than 30 free tax preparatiojn sites have been established by the IRS Volunteer Income Tax Assistanceand Tax-Aide programse to help residents prepare their taxes. and the are sponsorinv the campaign and the city of Orlandok is also promoting the tax credit benefits and free taxpreparatiomn sites.
Heart of Florid a United Way isCentral Florida’s largesy provider of funds to the region’es health and human servicd programs.
The organization said the tax credift lifts more children out of povertu than any otherfederal program. An increase in thosse seeking the tax credit would improve financiaol stability ofarea families, whicu is one of United Way'xs focus areas. More than $350 million was claimec in 2007 throughoutCentral Florida, yet the Internall Revenue Service estimates that up to 25 percent of thoses eligible to claim the credit failed to do so becaus of lack of awareness, according to a Heart of Florids United Way release.
Tax credits can result in refundsa rangingfrom $438 to $4,824, according to the United Way is offering free informative sessionsa on the tax credites and materials in English, Spanishu and Creole for employers to help employees take advantage of program benefits. More than 30 free tax preparatiojn sites have been established by the IRS Volunteer Income Tax Assistanceand Tax-Aide programse to help residents prepare their taxes. and the are sponsorinv the campaign and the city of Orlandok is also promoting the tax credit benefits and free taxpreparatiomn sites.
Heart of Florid a United Way isCentral Florida’s largesy provider of funds to the region’es health and human servicd programs.
Saturday, September 1, 2012
August 31st, 2012 by Dave Brown - Car Dealer Magazine
tenamup.wordpress.com
Car Dealer Magazine | August 31st, 2012 by Dave Brown Car Dealer Magazine That was the week รข€" August 28-31, 2012. August 31st, 2012 by Dave Brown. HERE ARE the most interesting and talked-about stories over the past five days, collated and summarised by us. Tuesday, August 28. DEALERS can now take advantage of an ... |
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