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August 27, 2010

3 finalists named for Colorado Supreme Court vacancy

Filed under: news — Tags: , , — Gogo @ 8:24 am

Three finalists have been selected for the Colorado Supreme Court vacancy to be left by the Nov. 30 retirement of Chief Justice Mary Mullarkey.

The finalists are:

• Monica Marquez, deputy Colorado attorney general.

• David Prince, an El Paso County district judge.

• Robert Russel, a Colorado Court of Appeals judge.

They were chosen by the Supreme Court Nominating Commission, which reviewed candidates for the vacancy on Monday and Tuesday poor credit personal loans.

The names have been forwarded to Gov. Bill Ritter, who has 15 days from Tuesday to select one of the finalists.

Citizen comments regarding the finalists can be emailed to: judicial.appointments@state.co.us

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August 24, 2010

America’s favorite credit card: AmEx

Filed under: term — Tags: , — Gogo @ 4:15 am

American Express is the credit card issuer of choice for the fourth year in a row, a report released Thursday showed.

Based on a 1,000-point scale, AmEx received a customer satisfaction rating of 769, which was 55 points higher than the industry average, according to a survey conducted in March and April by information services provider J.D. Power and Associates.

"They have a strong awareness among customers of the benefits and rewards of having that card," said Michael Beird, director of banking services at J.D. Power. While other issuers might offer similar rewards, AmEx uses aggressive marketing and communication to get the message across, he said.

Discover Card was the second highest rated issuer, with a score of 757. Customers were especially happy with its customer service and the ease of navigation on its site. U.S. Bank followed as the third highest ranked company with 727 points, as customers reported fewer changes to terms and smaller interest rate increases.

The lowest ranked issuer this year was HSBC, with 686 points, followed by Citi Cards and Capital One, with scores of 692 and 699 respectively.

"The folks who typically rank at the bottom have more of the riskier customers," said Beird. "Many of the customers who have lower credit scores end up paying higher fees, which means they might be complaining more."

The least-satisfying issuers were also given lower ratings because of poor communication — failing to help many customers understand their credit card terms, he said.

But overall, the survey showed that customers are happier with their credit card issuers this year, and customer satisfaction rose 9 points, to 714 from a 3-year low of 705 in 2009.

"There has been higher satisfaction with credit card terms, a reduction in complaints about payment or billing problems, and issuers seem to be doing a better job interacting with customers," said Beird payday loans no teletrack.

Another driver of satisfaction has been the CARD Act rule rolled out this year requiring issuers to warn customers in advance of any changes to their accounts, said Beird.

But aside from knowing when issuers are going to raise interest rates or make account changes, customers are still foggy about how many of the other new rules will affect them.

"The communication aspect of the CARD Act — requiring issuers to inform customers in advance of changes — is really the only part that has been seen immediately," said Beird. "It’s too early to tell what the impact of some of the other rules will be."

This uncertainty came across in the survey, with 16% of customers saying they hadn’t even received CARD Act disclosures and of those who did, only two-thirds said the information helped them understand what all the changes would mean for them.

Customers also said they are more optimistic about the economy and their own financial situations this year, according to the survey. This increase in confidence has made customers increasingly likely to shop around for a new bank, said Beird.

As a result, customers are more likely to dump their banks. The number of cardholders who say they "definitely will not switch" primary cards in the next 12 months fell to 22% from 25% last year and 30% in 2008.

"Even though overall satisfaction has improved, customers are feeling more empowered to explore other providers, since their outlook on the economy and their own personal finance has gone up," said Beird. 

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July 26, 2010

Crestwood community leaders speak against Trinity relocation plans

Filed under: technology — Tags: , , — Gogo @ 2:12 pm

Reps. Patricia Todd and Earl Hilliard stood alongside Crestwood community leaders Friday to speak out against Trinity Medical Center’s proposed move to U.S. 280.

Todd called the planned move to HealthSouth’s empty Digital Hospital “despicable,” while Al Rutledge, president of the Killough Springs Neighborhood Association, said Trinity is moving to get closer to a wealthier population of Birmingham, leaving the Crestwood area underserved.

“It’s the money, let’s just face it,” he said. “They want to say they are following their constituents or whatever but that’s not the case.

Trinity Medical, which has been looking to replace its 40-year-old facility for several years, first made plans to build a $316 million hospital on Grants Mill Road off Interstate 459 in Irondale. It later scrapped that plan to relocate in HealthSouth’s hospital that was left unfinished after a massive accounting fraud scandal.

Several area hospitals are opposing Trinity’s move to the HealthSouth facility and a hearing with an administrative law judge is expected in the next 30 days to determine whether Trinity can go forward with receiving state approval installment payday loans.

Keith Granger, CEO of Trinity, said greater opportunities for health care service resides in the new facility.

“When you look at the overall activities of Trinity Medical Center…we serve many communities, and we serve a much larger neighborhood,” he said. “Patients from all over the state – they are looking for accessibility and technology.”

Trinity Medical currently occupies a facility dating back 40 years, which Granger said would be much more difficult to update technologically. He said the present concerns of neighbors have been heard.

“We certainly want to be sensitive to the community, but it’s compelling to look to the future,” he said. “We’ll do everything in our power to be a good neighbor and hopefully help in any way for future options here.”

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June 10, 2010

Direct shipping of wine resurges as political issue

Filed under: legal — Tags: , , — Gogo @ 12:45 am

WASHINGTON — A brewing Capitol Hill fight pits California winemakers against beer wholesalers and others who are hoping to outflank a landmark Supreme Court decision.

One hundred and seven lawmakers, nearly one-fourth of the House of Representatives, support legislation that would make it easier for states to hinder direct shipments of alcohol. The bill in effect takes the fizz out of a 2005 Supreme Court decision that said some bans on direct shipments violated the Constitution.

The bill’s supporters say they want to bolster state alcohol enforcement powers.

"With (the bill), Congress is taking an important step toward ending the erosion of the states’ ability to regulate alcohol," the president of the National Beer Wholesalers Association, Craig Purser, declared when the bill was introduced earlier this year.

The bill’s opponents say it would benefit booze distributors at the expense of wineries and consumers.

"It really threatens the progress that’s been made on direct shipping of wine," U.S. Rep. George Radanovich, R-Calif., said Friday. "It puts into jeopardy all of the work we’ve done."

Himself a former winemaker, Radanovich co-chairs the 250-member Congressional Wine Caucus. The caucus supports direct shipping and will play a big role in what happens next.

Realistically, the legislation to complicate direct shipments has little to no chance in the remaining months of this Congress.

Its chief author, Rep. Bill Delahunt, D-Mass., is a lame duck. Its opponents include key lieutenants of House Speaker Nancy Pelosi, D-Calif., who often champions her home state’s wine industry. Two months after Delahunt quietly introduced his bill, a Senate version is nowhere in sight.

Politically, though, the bill signals a resurgence in the long-running struggle that pits different elements of the alcohol business against one another.

"We have to be diligent anytime a bill like this takes shape," Radanovich said. "We have to be sure we can block it."

Direct shipments cut out the distributors and middlemen, allowing wineries to sell straight to customers who may have visited in person or browsed via the Internet. Modest-sized wineries, in particular, have considered direct shipping a retail boon.

"It’s definitely helped; there’s no question about it," Patrick Campbell, the owner of Laurel Glen Winery in California’s Sonoma County, said Friday. "The fact that you can ship direct to some markets creates an opening, and that scares the hell out of the distributors."

After a protracted legal campaign, the Supreme Court in the case called Granholm v. Heald struck down laws that banned out-of-state direct shipments while permitting those from in-state wineries. The court concluded that the state laws violated the Constitution’s Commerce Clause, which prohibits states from erecting barriers against one another.

Driven in part by subsequent legal or legislative action, 38 states now permit some form of direct shipping. Missouri and Illinois both allow direct shipping of wine, but with limits to the number of cases per winery.

Enter the Comprehensive Alcohol Regulatory Effectiveness Act.

As introduced April 15, the legislation significantly raises the legal hurdles for a successful challenge to a state’s direct wine-shipment restriction. The bill declares that a state’s alcohol control law "shall be upheld" unless the challengers can prove, essentially, that the law serves no purpose.

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May 10, 2010

‘Old’ Internet flaw persists

Filed under: marketing — Tags: , — Gogo @ 8:48 am

In 1998, a hacker told Congress that he could bring down the Internet in 30 minutes by exploiting a certain flaw that sometimes caused online outages by misdirecting data. In 2003, the administration of President George W. Bush concluded that fixing this flaw was in the nation’s "vital interest."

Fast forward to 2010, and very little has happened to improve the situation. The flaw still causes outages every year. Although most of the outages are innocent and fixed quickly, the problem still could be exploited by a hacker to spy on data traffic or take down websites. Meanwhile, our reliance on the Internet has only increased. The next outage, accidental or malicious, could disrupt businesses, the government or anyone who needs the Internet to run normally.

The outages are caused by the somewhat haphazard way that traffic is passed between companies that carry Internet data. The outages are called "hijackings," even though most of them are not caused by criminals bent on destruction. Instead the outages are a problem borne out of the open nature of the Internet, a quality that also has stimulated the Net’s dazzling growth.

"It’s ugly when you look under the cover," says Earl Zmijewski, a general manager at Renesys Corp., which tracks the performance of data routes. "It amazes me every day when I get into work and find it’s working."

When you send an e-mail, view a Web page or do anything else online, the information you read and transmit is handed from one carrier of Internet data to another, sometimes in a long chain. When you log into Facebook, your data might be handed from your Internet service provider to a company such as Level 3 Communications Inc., which operates a global network of fiber-optic lines that carry Internet data across long distances. It, in turn, might pass the data to a carrier that’s connected to Facebook’s servers.

The crux of the problem is that each carrier along the way figures out how to route the data based only on what the surrounding carriers in the chain say, rather than by looking at the whole path. It’s as if a driver had to get from Philadelphia to Pittsburgh without a map, navigating solely by traffic signs he encountered along the way — but the signs weren’t put up by a central authority. If a sign pointed in the wrong direction, that driver would get lost.

That’s essentially what happens when an Internet route gets hijacked. Because carriers pass information between themselves about where data should go — and this system has no secure, automatic means of verifying that the routing information is correct — data can be routed to some carrier that isn’t expecting the information. The carrier doesn’t know what to do with it, and usually just drops it. It falls into a "black hole."

On April 25, 1997, millions of people in North America lost access to the Internet for about an hour. The hijacking was caused by an employee misprogramming a router, a computer that directs data traffic, at a small Internet service provider.

A similar incident happened elsewhere the next year, and the one after that. Routing errors also blocked Internet access in different parts of the world, often for millions of people, in 2001, 2004, 2005, 2006, 2008 and 2009. Last month a Chinese Internet service provider halted access from around the world to a vast number of sites, including Dell.com and CNN.com, for about 20 minutes.

In 2008, Pakistan Telecom tried to comply with a government order to prevent access to YouTube from the country and intentionally "black-holed" requests for YouTube videos from Pakistani Internet users. But it also accidentally told the international carrier upstream from it that "I’m the best route to YouTube, so send all YouTube traffic to me." The upstream carrier accepted the message, and passed it along to other carriers across the world, which started sending all requests for YouTube videos to Pakistan Telecom. Soon, even Internet users in the U.S. were deprived of videos of singing cats and skateboarding dogs for hours.

In 2004, the flaw was put to malicious use when someone got a computer in Malaysia to tell Internet service providers that it was part of Yahoo Inc. A flood of spam was sent out, appearing to come from Yahoo.

"Hijacking is very much like identity theft. Someone in the world claims to be you," said Todd Underwood, who worked for Renesys during the Pakistan Telecom hijacking no fax pay day loans. He now works for Google Inc., trying to prevent hijacking of its websites, which include YouTube.

In 2003, the Bush administration’s Critical Infrastructure Protection Board assembled a "National Strategy to Secure Cyberspace" that concluded that it was vital to fix the routing system and make sure the "traffic signs" always point in the right direction.

But unlike Internet bugs that get discovered and fixed relatively quickly, the routing system has been unreformed for more than a decade. And while there’s some progress being made, there’s little industry-wide momentum behind efforts to introduce a permanent remedy. Data carriers regard the fallibility of the routing system as the price to be paid for the Internet’s open, flexible structure. The simplicity of the routing system makes it easy for service providers to connect, a quality that has probably helped the explosive growth of the Internet.

That growth has also increased the risks exponentially. Fifteen years ago, maybe 8,000 people in the world had access to computers that use the Border Gateway Protocol, or BGP, which defines how carriers pass routing information to each other. Now, Danny McPherson, chief security officer at Arbor Networks, believes that with the growth of Internet access across the world and the increase in the number of carriers, that figure is closer to 1 million people.

Peiter Zatko, a member of the "hacker think tank" called the L0pht, told Congress in 1998 that he could use the BGP vulnerability to bring down the Internet in half an hour. In recent years, Zatko — who now works for the Pentagon’s Defense Advanced Research Projects Agency — has said the exploit would still work. However, it would likely take a few hours rather than 30 minutes, partly because a greater number of carriers would need to be hit.

Plenty of solutions have been proposed in the Internet engineering community, going back as far as 1995. The U.S. government has supported these efforts, spurred in part by the Bush administration’s 2003 statement. That has resulted in some trials of new technology, but adoption by carriers still appears distant. And the government doesn’t have any direct authority to force changes.

One reason is that the weaknesses are in the routing between carriers. It doesn’t help if one carrier introduces a new system — every one it connects with has to make the change as well. "It’s kind of everybody’s problem, because it impacts the stability of the Internet, but at the same time it’s nobody’s problem because nobody owns it," says Doug Maughan, at the Department of Homeland Security.

Pieter Poll, the chief technology officer at Qwest Communications, says he would support some simple mechanisms to validate data routes, but he argues that fundamental reform isn’t necessary. Hijackings are typically corrected quickly enough that they don’t pose a major threat, he argues.

One fix being tested would stop short of making the routing system fully secure but would at least verify part of it. Yet this system also worries carriers because they would have to work through a central database.

"My fear is that innovation on the Internet would slow down if there’s a need to go through a central authority," Poll says.

Jeffrey Hunker, a former senior director for critical infrastructure in the Clinton administration, says he’s not surprised that little has happened on the issue since 2003. He doesn’t expect much to happen in the next seven years, either.

"The only thing that’s going to drive adoption is a major incident, which we haven’t had yet," he says. "But there’s plenty of evidence out there that a major incident would be possible."

In the meantime, network administrators deal with hijacking an old-fashioned way: calling their counterparts close to where the hijacking is happening to get them to manually change data routes. Because e-mails may not arrive if a route has been hijacked, the phone is a more reliable option, says Tom Daly, chief technical officer of Dynamic Network Services Inc., which provides Web hosting and other Internet services.

"You make some phone calls and hope and pray," Daly says.

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May 4, 2010

Tax-free bonds will help SSM Health Care

Filed under: term — Tags: , , — Gogo @ 8:21 am

SSM Health Care Corp. will receive $16.5 million in tax-exempt bonds to renovate and equip its hospitals and health care facilities, the Missouri Department of Economic Development announced Wednesday.

SSM Health Care a Catholic, not-for-profit health system will make improvements to Cardinal Glennon Children Medical Center in St. Louis, St. Clare Health Center in Fenton, St. Joseph Health Center in St. Charles, St. Joseph Hospital West in Lake Saint Louis, DePaul Health Center in Bridgeton and St. Mary’s Health Center in Jefferson City.

The state’s private activity bonds, provided by the federal government, are part of a greater bond issue of $581 million that will be sold in Wisconsin and Missouri, said SSM spokesman Chris Sutton.

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April 18, 2010

11 state attorneys general join pressure to appoint trustee over US Fidelis

Filed under: money — Tags: , — Gogo @ 7:36 pm

Attorneys general from 11 states have joined a Missouri-led effort urging a bankruptcy judge to appoint an independent trustee to run US Fidelis, the Wentzville-based company that once led the nation in the sale of extended auto service contracts.

Last month, Missouri Attorney General Chris Koster asked U.S. Bankruptcy Judge Charles E. Rendlen III to appoint the trustee. Koster accused US Fidelis owners Darain and Cory Atkinson of plundering the company by illegally transferring the firm’s assets in order to put them out of reach of creditors, including several hundred consumers.

US Fidelis is now run by turnaround consultant Scott Eisenberg of Amherst Partners, based in Birmingham, Mich.

Eisenberg has said repeatedly that, since taking over last month, he has had no direct contact with the Atkinson brothers. Under Eisenberg’s leadership, the company has threatened to sue the Atkinsons to recover about $65 million that he believes they and companies they control owe US Fidelis.

Backing Koster’s accusations in court filings on Wednesday is Mary Lobdell, an assistant attorney general in Washington state who led a multistate investigation of US Fidelis that looked into widespread allegations of consumer fraud and telemarketing violations overnight pay day loans.

Lobdell noted in a filing that Darain and Cory Atkinson have not resigned from their executive positions — president and vice president, respectively — and that the brothers still could interfere with the running of the company.

"Given past business practices, the States have no confidence that the Atkinsons will keep the Debtor at arms length," she stated in the filing.

Also joining the call for the appointment of a trustee are attorneys general from Ohio, Iowa, North Dakota, Arkansas, Oregon, Maryland, Wisconsin, North Carolina, West Virginia and Tennessee. A hearing is scheduled for May 26.

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April 6, 2010

Teen Xpress wins state award

Filed under: technology — Tags: , , — Gogo @ 9:18 am

Teen Xpress, a program offered by the Howard Phillips Center for Children & Families, will be awarded the 2010 Children’s Week Community Innovation Award in Tallahassee on April 12.

The Howard Phillips Center, an advocacy and outreach program, is part of Orlando Health’s Arnold Palmer Hospital for Children.

Teen Xpress is a mobile health care unit bringing free physical and mental health care to teens and adolescents who may otherwise not have access to such resources.

United Way of Florida and The Lawton Chiles Foundation designed the Community Innovation awards program and luncheon at the capitol to recognize the collaborative work being done in communities across the state.

Four collaborative projects were reviewed and selected by the independent Southeast Evaluation Association from a statewide pool of applicants. The award winners consist of four or more organizations who worked together to address and solve specific problems in their communities.

The Howard Phillips Center is supported by the Arnold Palmer Medical Center Foundation and serves Central Florida through the following programs: The Developmental Center for Infants & Children/Early Steps, Healthy Families Orange, Orange County Children’s Advocacy Center, the Child Protection Team, the Healing Tree and Teen Xpress.

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March 8, 2010

New Zealand House Prices Climb for Fifth Month, Led by Cities

Filed under: legal, technology — Tags: , , — Gogo @ 3:27 pm

New Zealand house prices climbed for a fifth month in February, fueled by increased demand for property in the nation’s largest cities as the economy emerges from a recession.

Prices rose 5.5 percent from a year earlier, following a 4.4 percent annual gain in January, according to a Quotable Value New Zealand Ltd. index. Prices in the 17 largest cities rose 7.3 percent, the Wellington-based government valuation agency said in an e-mailed report.

Further gains in house prices may be curbed by the prospect of higher interest rates and changes to taxation of investment property that will be announced in the May 20 budget. Prices in rural areas fell in February and the pace of increases in provincial cities and some urban areas is slowing, said Glenda Whitehead, valuation manager at Quotable Value.

“Values in the last few months have flattened in many areas,” she said. “The market remains patchy and buyers cautious.”

Reserve Bank Governor Alan Bollard said on Jan. 28 he expected to raise the official cash rate from a record-low 2.5 percent around the middle of the year.

Property sales and listings of houses for sale improved in February as the market approaches its busiest time of the year in late summer, Whitehead said.

“We expect values to stabilize over the coming months, reflecting the ongoing uncertainty around employment, pending interest-rate rises and continued tight lending criteria,” she said. “We may see more certainty in the market after the budget announcement.”

Unemployment

Damping consumer confidence, New Zealand’s jobless rate rose to a 10-year high of 7.3 percent in the fourth quarter. Banks are taking a careful approach to lending and are requesting fresh valuations where the borrower has a low deposit, Whitehead said.

The number of home-loan approvals in the three months ended Feb. 26 slumped 20 percent from a year earlier, according to central bank figures published March 3.

A separate report prepared by the Real Estate Institute last month said that house prices fell for a second month in January. The institute releases February figures on March 12.

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January 25, 2010

Samsung deal upsets homegrown competitors

Filed under: money — Tags: , , — Gogo @ 8:03 am

Jeff Andrews tried to remain diplomatic when asked about the McGuinty government’s $7 billion green-energy deal with South Korean titan Samsung Group.

The president of Pro-Power and Energy Ltd. in Port Hope could see, on the surface, the attraction of the deal. Samsung C&T and its consortium partner, Korean Electric Power Corp., have assured four manufacturing facilities will be established between 2013 and 2015. Two will make wind towers and wind blades, the other two will assemble solar modules and inverters.

Samsung has also committed to developing 2,000 megawatts of wind power and 500 megawatts of solar power across parts of Ontario. Together, these manufacturing and power-development initiatives are expected to create 16,000 jobs over six years, welcome news during tough economic times, Premier Dalton McGuinty said Thursday.

But there’s a catch. Samsung will get 4 per cent more for the wind and solar power it produces, and it will get priority access to Ontario transmission capacity that’s in short supply. Many energy developers who have been waiting patiently for access to transmission will now have to wait a little longer.

Why, asked Andrews, is the Ontario government giving a deep-pocketed, foreign conglomerate special treatment that’s not being extended to local ventures struggling to create homegrown manufacturing and green energy?

"It’s great for Samsung, but Samsung doesn’t need it as much as we need it," he said.

Pro-Power, in partnership with CWind Inc. of Owen Sound, has been busy putting together its own consortium that aims to build wind turbine nacelles, blades and towers in Ontario. It signed a 10-year contract with auto-parts manufacturer Linamar Corp. to make the nacelles, and has established two subsidiaries, WindPro and WindBlade, to make turbine towers and blades.

This all-Ontario consortium has been attracting investors and wind developers with thousands of megawatts of projects in the pipeline are placing orders fast cash loans. Linamar is on course to make 350 nacelles a year in 2012, well before Samsung will be up and running.

"We have been working hard, digging deep and trying to get the government’s support," said Andrews. "We’ve had some response, but not as much as we think we should get. We’ve proven beyond doubt that we’re serious about it. The Ontario government needs to step up and give support to the people who have really proven they’re committed."

The Green Energy Act, passed last year, was supposed to create a level playing field, he added. Along with the feed-in-tariff program launched in September, Pro-Power and hundreds of other manufacturers and developers have been working on the assumption all are playing by the same rules.

Andrews is clearly frustrated. "We are the Ontario story. I know that sounds cocky, but we are. Our technology was developed and proven here in Ontario by Ontario residents. The patents were established here in Ontario."

McGuinty justified the deal Thursday as a way to accelerate Ontario’s green economy, by drawing an "anchor tenant" that can stimulate jobs and exports much more quickly. The alternative, he said, is to "hope" our industry of smaller players will grow over time while the province misses out on export opportunities to a U.S. green-energy market ready to explode.

Ian MacLellan, vice-chairman of solar-cell manufacturer Arise Technologies Corp. in Waterloo, said that kind of thinking doesn’t work in the long run. "If you took that approach looking back 30 years to Silicon Valley, they would have funded Xerox and not talked to Steve Jobs."

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