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October 31, 2014

Gas falling under $3 nationwide: What to know

Filed under: management, online — Tags: , , , — Snowman @ 1:20 pm

NEW YORK (AP) — The sight is so surprising that Americans are sharing photos of it, along with all those cute Halloween costumes, sweeping vistas and special meals: The gas station sign, with a price under $3 a gallon.

“It’s stunning what’s happening here,” says Tom Kloza, chief oil analyst at the Oil Price Information Service. “I’m a little bit shocked.”

The national average price of gasoline has fallen 33 cents in October, landing Friday at $3.00, according to AAA. Kloza said the average will fall under $3 by early Saturday morning for the first time in four years.

When the national average crossed above $3 a gallon in December of 2010, drivers weren’t sure they’d ever see $2.99 again. Global demand for oil and gasoline was rising as people in developing countries bought cars by the tens of millions and turmoil was brewing in the oil-rich Middle East.

Now demand isn’t rising as fast as expected, drillers have learned to tap vast new sources of oil, particularly in the U.S., and crude continues to flow out of the Middle East.

Seasonal swings and other factors will likely send gas back over $3 sooner than drivers would like, but the U.S. is on track for the lowest annual average since 2010 — and the 2015 average is expected to be lower even still.

Trisha Pena of Hermitage, Tennessee, recently paid $2.57 a gallon to fill up her Honda CRV. Like many around the country these days, she was so surprised and delighted by the price she took a photo and posted it on social media for her friends to see. “I can’t remember the last time it cost under $30 to put 10 or 11 gallons in my tank,” she said in an interview. “A month ago it was in the $3.50 range, and that’s where it had been for a very long time.”

Here are a few things to know about cheap gas:

— Crude prices came off the boil. Oil fell from $107 a barrel in June to near $81 because there’s a lot of supply and weak demand. U.S. output has increased 70 percent since 2008, and supplies from Iraq and Canada have also increased. At the same time, demand is weaker than expected because of a sluggish global economy fast cash advance loan.

— In the past, a stronger economy in the U.S., the world’s biggest consumer of oil and gasoline, typically meant rising fuel demand. No longer. Americans are driving more efficient vehicles and our driving habits are changing. Michael Sivak of the University of Michigan Transportation Research Institute calculates that the number of miles travelled per household and gallons of fuel consumed per household peaked in 2004.

— The drop from last year’s average of $3.51 per gallon will save the typical U.S. household about $50 a month.

— The drop will save the U.S. economy $187 million a day, and also boost the profits of shippers, airlines, and any company that sends employees out on sales calls or for deliveries.

— It will take an extra 1.5 years to make purchasing a higher-priced, better-mileage Toyota Prius instead of a Toyota Corolla pay off.

— New York’s average of $3.37 is the highest in the continental U.S. South Carolina and Tennessee are the lowest, with an average of $2.75.

— Politicians are either going to take the credit for lower gasoline prices or blame the other party for not helping them fall further. Don’t listen. There are small things politicians can do over long time horizons, like implement fuel economy standards or ease drilling regulations, but the decline in prices is mainly due to market forces.

— Gasoline is cheaper than milk again. In September the national average price of milk was $3.73 per gallon. The annual average for milk is on track to be more expensive than the annual average for gasoline for the first time since 2011. The gap is even bigger for some bottled water lovers. A case of a dozen 1.5 liter bottles of Evian on Amazon.com costs $38.99, which makes for a price per gallon of $8.20.

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October 30, 2014

WhatsApp founders own nearly $9B in Facebook stock

Filed under: Uncategorized, term — Tags: , , , — Snowman @ 1:24 am

SAN FRANCISCO (AP) — WhatsApp founders Jan Koum and Brian Acton received 116 million shares of Facebook stock currently worth nearly $9 billion when they sold their mobile messaging service to the social networking leader earlier this month.

The breakdown of the big winners in Facebook Inc.’s $22 billion acquisition emerged Wednesday in a regulatory filing.

Koum, a Ukraine immigrant who was once living on welfare, reaped the biggest jackpot with 76.4 million Facebook shares now worth $5.8 billion. That makes him Facebook’s fourth largest stockholder behind company CEO Mark Zuckerberg and two mutual funds, Fidelity Management and Vanguard.

Acton, who worked with Koum when they were both Yahoo Inc. engineers, owns 39.7 million Facebook shares worth $3 billion.

More than 45 other WhatsApp current and former employees also received Facebook stock.

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October 28, 2014

Savannah Surges as Major Port for Imports on U.S. Growth - Bloomberg

Filed under: finance, mortgage — Tags: , , , — Snowman @ 8:44 am

Blueberries from Chile, Peru and Brazil may soon be heading toward U.S. tables via Savannah, Georgia, opening another shipping market in the city

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October 26, 2014

Indonesia

Filed under: finance, marketing — Tags: , , , — Snowman @ 8:16 pm

Indonesian President Joko Widodo turned to members of previous governments and executives from state-owned companies as he named his new cabinet, promoting Bambang Brodjonegoro to finance minister.

Brodjonegoro, who was the deputy finance minister for the last government, joins Coordinating Minister of Economic Affairs Sofyan Djalil, a former state-owned enterprises minister, in the top posts to run Southeast Asia

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October 25, 2014

Man killed after attacking rookie cops with hatchet

Filed under: Uncategorized, online ads — Tags: , , , — Snowman @ 1:36 am

NEW YORK—A hatchet-wielding man who charged at four rookie New York City police officers Thursday as they posed for a photograph on a Queens street was shot and killed after he struck one of the officers in the head and another in the arm, William J. Bratton, the police commissioner, said.

Stray police bullets also struck a 29-year-old woman in the lower back as she walked in the rain about half a block away along a normally crowded commercial stretch of Jamaica Avenue just after 2 p.m.

The man, who was not immediately identified by the police and whose motive for the attack remained unclear, died at the scene. The police recovered a blue-handled, 18-inch hatchet, and Bratton displayed a photograph of the weapon at a news conference at Jamaica Hospital Medical Center on Thursday evening.

“At this point, no known motive for this attack has been established,” Bratton said.

Kenneth Healey, a 25-year-old recent graduate of the Police Academy, was in critical but stable condition after suffering a “very serious injury to the back side of his head,” Bratton said. The officer struck in the arm, Joseph Meeker, 24, was expected to be released.

The bystander who was struck during the chaotic scene was in stable condition after surgery, also at Jamaica Hospital Medical Center, he said.

The burst of violence occurred on the sidewalk in front of a department store where the four uniformed officers were standing on a regularly assigned foot patrol Payday Loan for Bad Credit. A passer-by asked to photograph the officers, Bratton said, and they obliged.

As they did so, standing together, a man in a hooded green rain jacket approached quickly from down the block, pulled a hatchet from his clothes, raised it over his head and, appearing to say nothing, brought it down on the officers with two hands, video released by the police showed.

The man first hit one officer in the arm and, continuing to swing, hit another in the head, Bratton said. A witness to the attack said that blow appeared to be particularly severe. “His head was split open from here to here,” said the witness, Mick Jones, 52, tracing a finger from his forehead to the back of his head. “His hat probably saved his life.”

The two other officers drew their weapons and fired multiple times at the man, killing him, Bratton said.

Standing beside the police commissioner, Mayor Bill de Blasio described the actions of the young officers as “bravery in the face of something absolutely unexpected.” He added, “They responded exactly as their training dictated.”

Bratton said the photographer and the attacker appeared to have no connection. The photographer, he added, has been cooperating with detectives to piece together what occurred, including providing the police with the photos he had taken.

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October 23, 2014

Gauge of US economy posts solid 0.8 percent gain

Filed under: loans, management — Tags: , , , — Snowman @ 10:44 am

WASHINGTON (AP) — A gauge designed to predict the economy’s future health posted a solid increase in September after no gain in the previous month.

The Conference Board says its index of leading indicators rose 0.8 percent last month following a flat reading in August which originally had been reported as a small 0.2 percent gain.

Economists expect that continuing strong gains in employment should boost incomes and help support solid economic growth in the United States in coming quarters despite a weaker outlook overseas payday lenders.

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October 21, 2014

LMI to supply parts for new Gulfstream business jets

Filed under: canada, legal — Tags: , , , — Snowman @ 7:48 pm

LMI Aerospace has received contracts to supply bonded fuselage panels and other parts for the Gulfstream’s new business jets, the G500 and the G600.

The multiyear contracts “are expected to yield significant revenue,” the the St. Charles-based maker of aircraft parts announced Monday.

“LMI has a long and productive history with Gulfstream. We are excited to have another opportunity to work with such a valued customer on this new and innovative program,” said LMI Chief Executive Officer Dan Korte. “This program is a unique fit with our capabilities and level of expertise in the aerostructures market.”

Savannah, Ga.-based Gulfstream Aerospace Corp easy pay day loans., a unit of General Dynamics, formally announced last week these two jets, which can carry up to 19 passengers. The first flight of the G500 is scheduled for 2015, with deliveries in 2018, while the G600’s first flight could come as early as 2017, with expected deliveries in 2019, according to Gulfstream.

To accommodate the new work, LMI will add 60,000 square feet to its Tulsa, Okla., plant, and make capital improvements at Visa, Calif., facility.

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October 20, 2014

Philips posts 3rd quarter loss

Filed under: finance, loans — Tags: , , , — Snowman @ 3:32 am

AMSTERDAM (AP) — Royal Philips NV, the world’s largest lighting maker, has reported a 104 million-euro ($132 million) loss for the third quarter, mostly due to a one-off charge after losing a patent infringement lawsuit against Masimo Corp. of the U.S.

The loss compares with net profit of 282 million euros in the same period a year earlier, but includes the $466 million award a U.S. jury handed to Masimo. Philips is appealing.

Sales dipped 1 percent to 5.55 billion euros, while operating margins — before charges — declined to 9.7 percent from 11.4 percent of sales.

Chief Executive Frans van Houten, who last month issued a profit warning and announced plans to split the company, said Philips is “facing sustained softness in a number of markets,” including China and Russia.

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October 18, 2014

As Toronto dithers, Guelph sets sights on 21st century

Filed under: Uncategorized, mortgage — Tags: , , , — Snowman @ 12:40 pm

There is a city in Ontario that is well on its way to reimagining the role of local government. And it’s not Toronto.

Earlier this year I wrote in this space that the Toronto mayoral candidates were missing the point. I argued that the city is on the cusp of profound changes and needed a mayor with vision and an ability to lead.

The networked age provides new opportunities to reinvent our local infrastructure and institutions.

All the Toronto mayoral candidates ignored the advice. So imagine my surprise when an email from Mayor Karen Farbridge of Guelph arrived, saying that her community is actually working hard to implement the transformations I outlined in the article.

I’ve looked into her claims and have concluded that the city’s elected officials, public servants and 120,000 citizens are well on their way to reimagining the role of local government.

So Toronto mayoral candidates please take note. My vision is achievable. Here is what Guelph is doing in seven key areas I outlined in my original article.

1. Promoting Entrepreneurship to Achieve Prosperity

I argued that when it comes to jobs, entrepreneurship is key, as close to 80 per cent of new jobs come from companies five years old or less, and technology enables little companies to have the capabilities of big companies.

Innovation Guelph is the Guelph region’s central institution for the support of entrepreneurship. Since launching in 2010, it has coached more that 500 companies and helped channel more than $12 million into client companies.

Guelph’s urban planning includes the development of mixed-use residential and business districts, including the Guelph Innovation District. This envisions a large tract of land close to the city’s core being transformed into a vibrant community that will mix residential and business development.

Guelph is collaborating with entrepreneurs and neighbouring communities to create a unique innovation super-cluster corridor, stretching from Toronto through Guelph to Kitchener-Waterloo. The cities of Guelph, Kitchener, Waterloo and the Region of Waterloo partnered with financial and technology sectors to create a business case for provincial and federal investment in all-day, two-way GO commuter rail service. Working together, these communities landed a commitment to increased service and two-way GO train service in the 2014 provincial budget.

2. Open Government

Guelph City Council unanimously approved an ambitious open government plan that had been co-produced from the outset with engaged citizens, local business and community stakeholders. Guelph’s vision for open government is a public service that grows into an “open by default” culture matched by citizens who regularly participate in government decision making.

The city is releasing data sets as public assets and has a vision for including data from community partners, such as businesses, educational institutions and agencies.

Here’s fresh thinking: the orientation manual built traditionally for councillors’ orientation has been turned inside out into an online user guide to local government, so that the public has the same information as new councillors.

The city and University of Guelph are in the early stages of launching a Civic Lab to bring design thinking approaches to address difficult issues affecting local communities.

3.Turning Public Safety Inside Out

Policing is moving into a new paradigm, where police focus on engaging citizens rather than delivering services to them. Already one of the safest cities in Canada, Guelph has launched Guelph Enterprise — a model for innovation in human services. The model asserts that cities do not have a policing problem but a marginalized people problem. To maintain safe communities we need more than just great policing — we need strong health care, education and social services working together.

In a few short months since its inception in May 2014, the group has shown this collaborative approach has tremendous opportunity to free up resources and capacity for stretched service providers.

4.Rethinking Transportation

I saw no evidence that Guelph is preparing for intelligent transportation systems and autonomous vehicle systems that are just around the corner.

However, the city council has made affordable, alternative transportation a priority for Guelph’s growth. Guelph’s cycling master plan has nearly doubled the city’s bike lanes over the past six years and is adding bike lanes as part of all road reconstruction. Guelph now has more than 100 lane-kilometres of bike lanes with another 110 kilometres in varying stages of approval. Guelph residents enjoy an additional 110 kilometres of off-road trails for pedestrians and cyclists.

Transit use is growing. Guelph Central Station was built in downtown Guelph to bring together Guelph Transit, GO trains and buses, VIA Rail and Greyhound buses. Guelph also introduced an affordable bus pass program.

5. Creating a Sustainable City

Amazingly, Guelph is building North America’s first city-wide district energy network.

The Community Energy Initiative is a kind of central heating and cooling system to serve industrial, commercial and residential buildings across the city. The system is designed to draw energy from multiple sources: solar, geothermal, biogas, waste heat and traditional fuels.

Since 2006, Guelph’s population has increased by 10 per cent while greenhouse gas emissions per capita have declined 10 to 15 per cent.

Since 2006, water conservation efforts have reduced average daily water production by 6.1 million litres per day. The average Guelph resident uses 20 per cent less water than the average Ontario resident.

According to Waste Diversion Ontario,Guelph’s innovative organic waste processing plant has led to the highest residential diversion rate of any municipality in Ontario.

The Guelph processing plant was built with additional capacity to be able to receive organic waste from neighbouring municipalities to subsidize the cost paid by Guelph taxpayers for the service.

6. Transforming Social Services

The digital revolution enables cities to better integrate social services, reducing cost and improving value.

Over the years, Guelph social services have decried the “business as usual” siloed approach to delivering public services. Recently, the city formalized this community philosophy with the creation of Guelph Wellbeing. Guelph used the Canadian Index of Wellbeing, developed at the University of Waterloo and rarely used at the city level, to survey residents to assess overall well-being.

The Guelph Wellbeing Leadership Group was formed to champion the initiative and includes 22 community leaders from different sectors, agencies and stakeholders within the city. They agreed to work together using shared performance indicators to tackle tough issues such as of affordable housing, social and physical connectivity, and food security. Instead of duplicating efforts and wasting tax dollars, they are pooling resources inside and outside government to find solutions.

7. Reinventing Local Democracy

Leaders in Guelph, whether at the city or university or in business, social services and community groups, have big ambitions. Events like Hackathons, Health Jams and Change Camps demonstrate a community approach to redefining the relationship between citizens and their local government. If successfully implemented, the open government and Guelph Wellbeing initiatives can go a long way to building trust among community stakeholders, to redefining the role of citizen and government.

Through its work in environmental sustainability, Guelph has demonstrated that cities can innovate. Through its fresh approach to problem-solving and open-government principles, Guelph is challenging the traditional industrial-age approach to local government and democracy. Shared ownership, decentralized decision-making, community engagement have the potential to shift the relationship from “us vs. them” to “we’re in this together.”

I travel the world speaking with and advising government and business leaders. Few communities demonstrate the ambition and discipline of Guelph. And I see no reason why the initiatives in a community of 120,000 can’t be replicated in a city the size of Toronto.

Oh: and to reiterate a final note to Toronto candidates. “Please stop calling me a taxpayer, dammit! I’m a citizen. And I want to live in a 21st century city! Which of you has a vision and plan to get us there?”

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October 17, 2014

Renzi Plan to Shake Up Labor Market Seen Helping Italy Recovery - Bloomberg

Filed under: loans, news — Tags: , , , — Snowman @ 2:44 am

Italian Prime Minister Matteo Renzi

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