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market. The SBA guarantees portions of loansa to small businesses that may not otherwisde receivebank financing. In the fiscap year ended Sept. 30, the federal agency backexd 368 loans valued at morethan $70 in the 11-county Albany market. , a Providence, R.I. institution with its New York headquarterasin Albany, was the most active SBA lenderd among banks with assets of more than $10 Citizens made $1.3 million in SBA-guaranteed loans to 46 businesses. In the categor y of banks with assety sizefrom $1 billion to $10 billion, First , Niagaras County, was the top lender for the third consecutiver year. Its 34 SBA-guaranteed loans, with a valuew of $5.
5 million, also made it the most active lender in this category in theentire 34-county Syracuse District, which included Albany. Among the small, community banks, The Co. of Saratoga Springz was No. 1, with 11 loans valuede at $840,850. It tied with for activity in the Syracus District asa whole. Adirondacl Trust has been the top community bank lenderd locally every yearsince 2001. The SBA also gave the of Albangy its first Patriot Lenderd of theYear award. The lending consortium and its the , made eight loans to Veterana small business owners during the fiscal year, accounting for more than 11 percentr of the loans made to veterans in the Syracusee District.
четверг, 31 мая 2012 г.
среда, 30 мая 2012 г.
Biotech
stelauguqdinec.blogspot.com
million with fuel giant . The two companiesw plan to build the biggest cellulosic ethanoo plant inthe country, in Florida. Verenium (Nasdaq: is just one of the many biomass-related venturess gaining traction in which has a long history of investmeng and research in thebiotechnology sector. Roughly $200 million in ventures capital has poured into the local sector over the past twoyearx — a flood of moneh for a sector that saw virtuallyh no local investment prior to 2006, accordingf to data provided by Dow Jones VentureSource. As of last the state had roughly 30 companies focused on the production and distribution of biomass productxand services, according to the .
Cellulosic ethano is biomass madefrom non-food plantsx and waste — for instance, grass or sewage insteadf of corn. In Florida, you can grow 18 to 20 tons of grassezper acre, per year a tremendous advantage over the growing potential in But Carlos Riva, Verenium’s president, says the company’sd headquarters will remain in Massachusetts. “The reasoj to be here is the business the qualityof people, the sourcexs of innovation and the support of the he said. Indeed, the Bay State’s biotechnology sectodr has proven a fertile breedinfg ground for startups seeking to convert biomas s into alternatives tofossil fuels.
Jim Lane, the editorf of the national dail newsletterBiofuels Digest, agrees with Riva’a assessment. “From both an investor and producerd pointof view, the top five bioenergy clustersw are San Francisco, San Diego, Seattle, the Corn Belt and Massachusetts.” Lane said the region’s strength in this field can be attributed in large part to the strengtjh of the technology coming out of the area’zs universities. But he said another importanr factor is that because the venture capital community is used to funding biotechnology they are used to the risk and long time horizones that also come withthe sector’s energy-focused startups.
And “they get the science,” Lane said. All of which is a big advantags in getting technologiesto market. He said the other advantage the region has is the commitmenftof top-level state lawmakers. But some say the recession has reducedf some of the andthe public’s, sense of urgency over bringinv alternative fuels to market. Michael Raab of , anothere cellulosic biomass makerin Cambridge, said the urgency in the public domain has waned a bit since the recessionj set in. “Our commercial prospects lookexd a lot better when oilwas $100 a he said.
Raab also said that even with the best researcjand development, and strong support from there are still some technical difficulties in simplgy going from making a small amount of fuel to scalintg it up to the mass productioh needed to really change the way Americans use energy. But the long-terjm picture for the state’s alternativer energy industrylooks strong. Biofueld executives and advocates are encouraged by thestimuluws package, which includes an $800 million grang for biomass. Another $400 million has been set aside for the creation of a new agency to be callecthe -Energy, an appropriation that could also benefit the biomass industry.
million with fuel giant . The two companiesw plan to build the biggest cellulosic ethanoo plant inthe country, in Florida. Verenium (Nasdaq: is just one of the many biomass-related venturess gaining traction in which has a long history of investmeng and research in thebiotechnology sector. Roughly $200 million in ventures capital has poured into the local sector over the past twoyearx — a flood of moneh for a sector that saw virtuallyh no local investment prior to 2006, accordingf to data provided by Dow Jones VentureSource. As of last the state had roughly 30 companies focused on the production and distribution of biomass productxand services, according to the .
Cellulosic ethano is biomass madefrom non-food plantsx and waste — for instance, grass or sewage insteadf of corn. In Florida, you can grow 18 to 20 tons of grassezper acre, per year a tremendous advantage over the growing potential in But Carlos Riva, Verenium’s president, says the company’sd headquarters will remain in Massachusetts. “The reasoj to be here is the business the qualityof people, the sourcexs of innovation and the support of the he said. Indeed, the Bay State’s biotechnology sectodr has proven a fertile breedinfg ground for startups seeking to convert biomas s into alternatives tofossil fuels.
Jim Lane, the editorf of the national dail newsletterBiofuels Digest, agrees with Riva’a assessment. “From both an investor and producerd pointof view, the top five bioenergy clustersw are San Francisco, San Diego, Seattle, the Corn Belt and Massachusetts.” Lane said the region’s strength in this field can be attributed in large part to the strengtjh of the technology coming out of the area’zs universities. But he said another importanr factor is that because the venture capital community is used to funding biotechnology they are used to the risk and long time horizones that also come withthe sector’s energy-focused startups.
And “they get the science,” Lane said. All of which is a big advantags in getting technologiesto market. He said the other advantage the region has is the commitmenftof top-level state lawmakers. But some say the recession has reducedf some of the andthe public’s, sense of urgency over bringinv alternative fuels to market. Michael Raab of , anothere cellulosic biomass makerin Cambridge, said the urgency in the public domain has waned a bit since the recessionj set in. “Our commercial prospects lookexd a lot better when oilwas $100 a he said.
Raab also said that even with the best researcjand development, and strong support from there are still some technical difficulties in simplgy going from making a small amount of fuel to scalintg it up to the mass productioh needed to really change the way Americans use energy. But the long-terjm picture for the state’s alternativer energy industrylooks strong. Biofueld executives and advocates are encouraged by thestimuluws package, which includes an $800 million grang for biomass. Another $400 million has been set aside for the creation of a new agency to be callecthe -Energy, an appropriation that could also benefit the biomass industry.
понедельник, 28 мая 2012 г.
Small business pushes credit card reform - Boston Business Journal:
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It’s a figure a group of small business owners say creditt cardcompanies don’t want but one that consumers need to “The continuing burden of or swipe fees on small business owners has become heavier and heaviefr to bear. It is the seconc largest expensebehind payroll. It is something we are extremelworried about,” said Jim Smith, president of the Floridz Petroleum Marketer and Convenience Store during a Monday news conference. Credi t card companies, on the other hand, say the fees are simpl y the cost ofdoing business.
Credit card swipe fees called interchange fees by the big banks that set theseratesa – are a percentage of each transactionn that Visa and MasterCard and their member banksw collect from retailers every time a credit or debit card is These fees average aboutr 2 percent in the U.S., according to the , the associatiohn for convenience and petroleum retailing, which put together Monday’s news In 2008, credit card fees cost U.S. convenience stores $8.4 billion, compared with $5.2 billion in stored profits, according to NACS data. Almosy all of these credit card fees are attributablse to credit cardswipe fees.
Convenience store owner Bruce Mitchell said his operation paid out morethan $3 milliobn in credit card fees last year. “I am payin g 25 percent more for credit card fees than I pay in he said. Recently, tax officeds in four Florida counties – Walton, Osceola and Brevarfd – said they will no longer accept Visa becauss there was no room in their budgets to absorb the swipe fee The coalitionnoted that, while county governmentxs have the ability to say no becauss Floridians must pay their businesses can’t afford to say no to credit card The groups are pushing for legislationh that would either require credig card companies to reveal swipe fees or allow merchants to negotiate thoswe fees, thus leveling the playing field.
Federall lawmakers recently reintroduced the Credit Card FairFee Act, whichu NACS said would give merchants “z seat at the negotiating table with banks to determin the fees assessed for every sale made by creditr card, and ultimately reduce the costs of everyda goods for consumers.” But, the , an organizatiob that represents payment card financial services companies and financial services trade said in a new release that retailerse are trying “to make consumerzs pay for one of their business expensews – the cost of accepting crediyt and debit.
”
It’s a figure a group of small business owners say creditt cardcompanies don’t want but one that consumers need to “The continuing burden of or swipe fees on small business owners has become heavier and heaviefr to bear. It is the seconc largest expensebehind payroll. It is something we are extremelworried about,” said Jim Smith, president of the Floridz Petroleum Marketer and Convenience Store during a Monday news conference. Credi t card companies, on the other hand, say the fees are simpl y the cost ofdoing business.
Credit card swipe fees called interchange fees by the big banks that set theseratesa – are a percentage of each transactionn that Visa and MasterCard and their member banksw collect from retailers every time a credit or debit card is These fees average aboutr 2 percent in the U.S., according to the , the associatiohn for convenience and petroleum retailing, which put together Monday’s news In 2008, credit card fees cost U.S. convenience stores $8.4 billion, compared with $5.2 billion in stored profits, according to NACS data. Almosy all of these credit card fees are attributablse to credit cardswipe fees.
Convenience store owner Bruce Mitchell said his operation paid out morethan $3 milliobn in credit card fees last year. “I am payin g 25 percent more for credit card fees than I pay in he said. Recently, tax officeds in four Florida counties – Walton, Osceola and Brevarfd – said they will no longer accept Visa becauss there was no room in their budgets to absorb the swipe fee The coalitionnoted that, while county governmentxs have the ability to say no becauss Floridians must pay their businesses can’t afford to say no to credit card The groups are pushing for legislationh that would either require credig card companies to reveal swipe fees or allow merchants to negotiate thoswe fees, thus leveling the playing field.
Federall lawmakers recently reintroduced the Credit Card FairFee Act, whichu NACS said would give merchants “z seat at the negotiating table with banks to determin the fees assessed for every sale made by creditr card, and ultimately reduce the costs of everyda goods for consumers.” But, the , an organizatiob that represents payment card financial services companies and financial services trade said in a new release that retailerse are trying “to make consumerzs pay for one of their business expensews – the cost of accepting crediyt and debit.
”
воскресенье, 27 мая 2012 г.
Baltimore Examiner to fold after failing to land buyer - Birmingham Business Journal:
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The last edition will hit newsstands Feb. 15. The Baltimors Examiner’s 90 employees will be laid off, spokesman Jim Monaghanm said. Its Denver publisher, , had been looking for a buyer forseveral months. The newspaper’s proximitty to the Washington Examiner, a sister made it difficult to garne r enough revenue onits own, the company said in a statement. “It is not possible to maintainh two major daily newspapers withina 50-mile distancer and do justice to both Clarity CEO Ryan McKibben said in a Clarity will invest in its online operation and in the Washington Examiner and .
Thoser newspapers are located in top 10 consumer which make it easier to bring in nationaoadvertising buys, Monaghan said. With all eyes on the nation’sd capital with the election of President Barack Washington in particular is attractingnational attention, he The Baltimore Examiner launched when the housinv and retail industries were strong enough to support a second Newspaper officials said they were offering an alternativ e business model to the . The free newspaper was delivererdto targeted, high-income neighborhoods. At that time, it boasted that its deliver yto 250,000 households gave it a larger reach than the Baltimore Sun.
But the newspaper stoppedx delivering daily last year and the economy hascripplef retail, housing and automotive firma that are stalwart daily newspaper The Baltimore Examiner’s closure is the latesft sign of how the economyg is crushing daily metropolitan newspapers. The news of the shutdow n comes just two days after the parenf company of the Capital newspaper in Annapolis said it is slashinh 111 jobs in respons e to declining advertising revenue and aweak economy. Last the parent company of the Baltimore Sun file Chapter11 bankruptcy. the recession’s impact on newspapers is evidentfas well.
has put the Seattl e Post-Intelligencer up for sale and has said it will shut down or go onlinee if it does not finda buyer. In April, the 100-year-old Christian Science Monitor will go entirely onlind and stop its print The closure shocked one BaltimorreExaminer advertiser. In fact, when the gave the news to Alex general sales manager ofin Laurel, he thought it was a Nowak was supposed to meet with his salea representative from the Examiner Thursday morning when she cancelesd due to an “emergency meeting,” he “I liked their paper,” he said. “When I got it at I loved getting it.
” Nowao said he’ll probably take his advertising to Web sitesslike Cars.com and Autotrader.com. “I don’t see peopls reading newspapers to getcar deals,” he said. Printt media is “still overpriced for what you get out of Silver Spring newspaper analyst John Morton wasless shocked. “Given what’s happened to advertising this year, it shouldn’gt come as a surprise,” Morton said of the Operating a newspaper so clos to Washington may have workedf out had it not been for thesour economy, he “Going up against the recessiojn probably made the whole thing untenablwe for them.
” Losing the newspaper will make it more difficul for media buyers to negotiate good deals on behalgf of their clients, said Michele Selby, executive vice presideng of Ltd. in Owings Mills. Media Worksw bought ads in the newspaperd on behalf of clients andthe . But mediza buyers started getting concerned aboutthe newspaper’s futurde last year when the Baltimore Examiner said it would deliver only two days a week. Knowinv that your ads woule reach upscale homes had beenthe paper’s competitive advantage. “That’e the sweet spot for them,” Selby said.
The ownert of Boheme Café, located in the Baltimor e Examiner building’s lobby, said she was sad to hear the news about some of herloyal customers. “We’re friendly with a lot of saidMartha Lucius, referring to Baltimord Examiner employees. “It’s not going to be easy Clarity is owned by Denver billionaire Philip the founder of telecommunicationsfirm , whose business empire span professional sports teams and movie
The last edition will hit newsstands Feb. 15. The Baltimors Examiner’s 90 employees will be laid off, spokesman Jim Monaghanm said. Its Denver publisher, , had been looking for a buyer forseveral months. The newspaper’s proximitty to the Washington Examiner, a sister made it difficult to garne r enough revenue onits own, the company said in a statement. “It is not possible to maintainh two major daily newspapers withina 50-mile distancer and do justice to both Clarity CEO Ryan McKibben said in a Clarity will invest in its online operation and in the Washington Examiner and .
Thoser newspapers are located in top 10 consumer which make it easier to bring in nationaoadvertising buys, Monaghan said. With all eyes on the nation’sd capital with the election of President Barack Washington in particular is attractingnational attention, he The Baltimore Examiner launched when the housinv and retail industries were strong enough to support a second Newspaper officials said they were offering an alternativ e business model to the . The free newspaper was delivererdto targeted, high-income neighborhoods. At that time, it boasted that its deliver yto 250,000 households gave it a larger reach than the Baltimore Sun.
But the newspaper stoppedx delivering daily last year and the economy hascripplef retail, housing and automotive firma that are stalwart daily newspaper The Baltimore Examiner’s closure is the latesft sign of how the economyg is crushing daily metropolitan newspapers. The news of the shutdow n comes just two days after the parenf company of the Capital newspaper in Annapolis said it is slashinh 111 jobs in respons e to declining advertising revenue and aweak economy. Last the parent company of the Baltimore Sun file Chapter11 bankruptcy. the recession’s impact on newspapers is evidentfas well.
has put the Seattl e Post-Intelligencer up for sale and has said it will shut down or go onlinee if it does not finda buyer. In April, the 100-year-old Christian Science Monitor will go entirely onlind and stop its print The closure shocked one BaltimorreExaminer advertiser. In fact, when the gave the news to Alex general sales manager ofin Laurel, he thought it was a Nowak was supposed to meet with his salea representative from the Examiner Thursday morning when she cancelesd due to an “emergency meeting,” he “I liked their paper,” he said. “When I got it at I loved getting it.
” Nowao said he’ll probably take his advertising to Web sitesslike Cars.com and Autotrader.com. “I don’t see peopls reading newspapers to getcar deals,” he said. Printt media is “still overpriced for what you get out of Silver Spring newspaper analyst John Morton wasless shocked. “Given what’s happened to advertising this year, it shouldn’gt come as a surprise,” Morton said of the Operating a newspaper so clos to Washington may have workedf out had it not been for thesour economy, he “Going up against the recessiojn probably made the whole thing untenablwe for them.
” Losing the newspaper will make it more difficul for media buyers to negotiate good deals on behalgf of their clients, said Michele Selby, executive vice presideng of Ltd. in Owings Mills. Media Worksw bought ads in the newspaperd on behalf of clients andthe . But mediza buyers started getting concerned aboutthe newspaper’s futurde last year when the Baltimore Examiner said it would deliver only two days a week. Knowinv that your ads woule reach upscale homes had beenthe paper’s competitive advantage. “That’e the sweet spot for them,” Selby said.
The ownert of Boheme Café, located in the Baltimor e Examiner building’s lobby, said she was sad to hear the news about some of herloyal customers. “We’re friendly with a lot of saidMartha Lucius, referring to Baltimord Examiner employees. “It’s not going to be easy Clarity is owned by Denver billionaire Philip the founder of telecommunicationsfirm , whose business empire span professional sports teams and movie
пятница, 25 мая 2012 г.
Real Estate Transfers - 5/20/12 - Knoxville News Sentinel
ra-iwinyro.blogspot.com
Real Estate Transfers - 5/20/12 Knoxville News Sentinel Vanguard Investments Inc. to Interfield Colebrooke and Kendrise Colebrooke, in Summer Rose subdivision, $173000. Gregory Edwards and Virginia Edwards to Andrew Westbrook, in Colonies subdivision, $170000. Don Williams and Nancy Williams to Eric Archer ... |
среда, 23 мая 2012 г.
Chinese company to buy Hummer - Nashville Business Journal:
ramoledef.blogspot.com
When GM, which file for bankruptcy protection Monday, announced earlier Tuesday that a buyerd had been found forthe off-road vehicle the name was not immediately disclosed. a major industrial machinery group, will acquire the rightss to the Hummer along with a senior managemen andoperational team. It will also assum e existing dealer agreements relatingto HUMMER’s dealership It is contemplated that Tengzhonyg will, as part of the transaction, enteer into a long-term contract assembly and key componen and material supply agreement with GM. In an earliere statement, GM said it expects the deal if successful to secure morethan 3,00o US jobs.
The final terme of the deal, scheduled to close in the third are subject tofinal negotiations. The cost of the transactionb wasnot revealed. is acting as exclusive financial advisodr and is acting as internationak legal counsel to Tengzhong on this Citi is acting as financial advisorto GM.
When GM, which file for bankruptcy protection Monday, announced earlier Tuesday that a buyerd had been found forthe off-road vehicle the name was not immediately disclosed. a major industrial machinery group, will acquire the rightss to the Hummer along with a senior managemen andoperational team. It will also assum e existing dealer agreements relatingto HUMMER’s dealership It is contemplated that Tengzhonyg will, as part of the transaction, enteer into a long-term contract assembly and key componen and material supply agreement with GM. In an earliere statement, GM said it expects the deal if successful to secure morethan 3,00o US jobs.
The final terme of the deal, scheduled to close in the third are subject tofinal negotiations. The cost of the transactionb wasnot revealed. is acting as exclusive financial advisodr and is acting as internationak legal counsel to Tengzhong on this Citi is acting as financial advisorto GM.
вторник, 22 мая 2012 г.
Weight loss and exercise reduce the risk for breast cancer by altering ... - Health(Y) Destination
goldenayreyg1666.blogspot.com
Weight loss and exercise reduce the risk for breast cancer by altering ... Health(Y) Destination The obese postmenopausal women are found to have higher risk for breast cancer by their mechanism on estrogen release. The obese women's fat tissues behave like an endocrine gland which in turn release high quantity of estrogen, which encourages the ... |
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