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Press release
The strong Australian economy is undergoing a digital transformation as a result of the development of a new National Broadband Network and the government?s policies encouraging the use of digital technologies. There is strong support for the e-learning industry from industry and government bodies, partly due to Australia?s widely dispersed population across large geographic areas. Year on year growth for e-learning solutions is amongst the highest in the world which has created an imperative for Totara Learning Solutions to appoint high calibre partners such as Cubic Consulting.
As the market matures, demand is shifting away from generic catalogue based content towards greater flexibility and social learning environments. Cubic Consulting chose TotaraLMS as part of their services offerings because, as an open source learning platform, it offers the twin attributes of high adaptability and low cost.?
Chief Executive of Cubic Consulting, Virginia Smith said, ?We have been impressed by the Totara solution and look forward to utilising the product to complement our existing services.? I believe our customers will find that the TotaraLMS provides them real value for money in managing their learners? needs.?
Richard Wyles, CEO of Totara added, ?We are excited to have Cubic Consulting join the network.? Australia is the home of Moodle and we have very strong demand for the corporate distribution, TotaraLMS in the corporate and health sectors. Cubic Consulting is very focused on improving workforce performance and this strongly aligns with our mission. Their expertise in change management and implementation adds significant capability to the partner network.?
About Cubic Consulting
Cubic Consulting is a specialist consulting group established in Australia.? The management and staff offer a wealth of experience and expertise having clearly established a reputation for excellence across 3 service dimensions - Change, Learning and Performance.
Cubic Consulting has extensive experience in, and an understanding of, the change, learning and performance challenges being faced by Australian business and government.? Our team has delivered high quality solutions to more than 120 clients in Australia and across the Asia Pacific region.? Our engagements and projects range from single person consulting assignments to major business transformation programs and customised eLearning development.
A key part of our model is to harness the skills and experience of our Principal and Lead Consultants who provide innovative and thought leading solutions and services.? Within this group, domain expertise includes Change Management, Communications, Learning & Performance, eLearning, Instructional Design, Graphic Design, Technical solutions and Process Optimisation.?
We want to ensure our clients realise the return on their investment by reducing time to value, reducing business risk, enhancing business continuity and ultimately establishing an environment for continuous improvement and innovation.
Cubic is accredited and operates under the industry acknowledged quality standard AS/NZS ISO 9001:2000
?
For more information visit: www.cubicconsulting.com.au
?
About Totara
Founded by Kineo eLearning and Catalyst IT, Totara Learning Solutions is a global alliance dedicated to fundamentally changing the nature of the LMS software market. ?Totara is a commercial distribution of the open source platform, Moodle, and is available on a subscription basis which provides ongoing support and enhancements. Totara can reduce a corporate enterprise's learning management costs significantly whilst providing some of the most advanced learning management functionality.
From a simple concept; that open source software, developed with an active community, can deliver real benefits in learning and development for corporate organizations, comes a big vision; to transform corporate learning. Totara is delivering this vision though;
Over 100 organizations have already selected Totara LMS. These include large corporations with over 100,000 employees to small enterprises. Totara LMS clients come from a variety of sectors, including finance, retail, energy, health, government and the not-for-profit sector.
More information is available at?www.totaralms.com
News providers may freely use information from the press releases within their own news services. Where an entire press release is copied or significant parts of it copied, then "Training Press Releases" should remain clearly quoted as indicated at the start of each press release.
This news story is a press release from the above company and does not represent the views of Training Press Releases. Please ensure that you read our?legal notices. Training Press Releases is not responsible for the content of external websites or services.
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IRA vs. 401 (k) , should I rollover my previous employer?s 401 (k)?
I am contributing to 401(k) plans up to 5% of my salary to get full employer match. I am also contributing $5,000 annually to an IRA account. If I leave this job and join another one I?ll have another 401 (k) account from my new employer.
From TD Ameritrade to ETrade, all IRA administrators run incentive programs to encourage people to roll over. I am trying to find an answer to the question:
Should I leave my money where it is or should I roll it over to Individual Retirement Account?
While there are benefits and drawbacks to both options. IRA seems more flexible, where as, 401(k) is easier to tap in to during an emergency. But that?s not all about the differences.
Let?s do some homework before making a rollover decision.
Before going on to the comparison, let?s be clear that this article is not about where you should put more money from your paycheck. You should contribute to 401 (k) to take 100% of employer match.
Another point to consider, you can?t contribute more than $5,000 a year in an IRA (including Roth IRA), where as 401 (k) allows much more contribution limit.
I contribute to IRA to have more investment options and to have some tax free money in my retirement through Roth IRA.
This article is about answering the question; should you rollover to IRA or you maintain your 401 (k) balance till retirement?
For those contemplating the benefits and drawbacks of rolling over some or all of their 401(k) savings into an IRA, here are some things to consider:
Emergency Cash (Benefit ? IRA)
You can borrow from the 401 (k) account without penalties if you are still working. If you leave your job or are laid off before age 55 and can?t repay the loan, it is treated as an early withdrawal which requires regular income tax and a 10% penalty.
But investors can take early distributions from their 401(k) accounts and avoid the 10% penalty if they are laid off after turning 55. If you?re laid off before 55, the best thing is to leave your money in a 401(k).
Early withdrawals from IRA and 40 (k), alike, are subject to income tax (except in the case of a Roth IRA, which requires after-tax contributions), which could put a dent in your nest egg.
IRA account holders can withdraw funds before retirement (via SEPP program) without penalties by setting up a series of equal withdrawals over time.
You can also withdraw from a traditional IRA without penalties once a year provided you repay the funds within 60 days. Your have cash when you need for an emergency. But, funds that aren?t repaid within 60 days are subject to a 10% penalty, in addition to ordinary income tax if you are younger than 59?.
Contributions withdrawn from a Roth IRA are not subject to income tax, penalties or the 60-day restriction, if the withdrawal is made for certain qualifying expenses.
It also makes sense to do an IRA rollover if you need to use some of the money for educational expenses, you are still require to pay the usual tax on the withdrawn amount but you are exempt from paying penalty.
Beneficiary designation (Benefit ? IRA)
Second marriages and marital problems may be among the reasons to consider an IRA rollover.
Surviving spouses automatically are entitled to 401(k) funds if account holder dies. That could be a problem if you have children from a prior marriage and want them to share in your retirement savings. You can only change the 401(k) beneficiary if your spouse notarize her consent.
On the other hand, IRAs provide greater range of flexibility in terms of beneficiary designations; you can have as many as you need.
Estate Planning (Benefit ? IRA)
An opportunity for your estate/heirs to accumulate tax-deferred wealth is a significant benefit to consider an IRA rollover.
The beneficiary of an IRA can take small, taxable distributions over the course of his or her life expectancy, while allowing the remaining funds to accrue on a tax-deferred basis. Most 401 (k) administrators do not provide this flexibility although the law allows for it.
Most 401(k) plans force heirs to take assets after the account holder dies.
Choices, Transparency (Benefit ? IRA)
The range of investment choices available through a 401(k) plan is an important factor to consider when contemplating an IRA rollover.
If you need to invest in more fixed-income options, 401(k) plan offers only a money-market fund and a bond fund. Foreign bond funds, accessible through an IRA, could offer higher yield.
401(k) participants who are still working can roll over funds into an IRA. This strategy can increase investment choices and benefit older investors who are still employed.
Potentially high 401(k) fees can also be a concern. While fees for IRAs are clearly outlined, they often are difficult to assess in 401(k) plans because they generally are factored into the overall return. Fees tend to be higher if an insurance company, rather than a mutual-fund company, is administering the 401(k).
This may change as a new law in effect, that will require plan administrators to disclose all 401(k) fees. On your 2012 401 (k) statements, you are expected to see these fees.
Stock Options (Benefit ? 401 (k))
I have stocks options accumulated in my 401 (k). They are so less in number and value, that it doesn?t make a dent if I decide to rollover tomorrow. But this can make a huge difference if you have significant stocks in your 401 (k)
It?s rather better by moving stock to a taxable account and pay a capital gains tax on the cost basis of the stocks rather than rolling them over to IRA where normal income tax rate would apply later on.
If stocks are kept in 401 (k) account till one dies, the new cost basis is set up for the heirs, the value of the stocks on the date of death. So, during life time, all appreciation in stock value are tax-free!
Except stock options, you can still rollover rest of your assets.
Conclusion on IRA vs. 401 (k)
If you decide that an IRA is a better option for your retirement savings than a 401(k) is, be sure to transfer the funds correctly.
Set up the IRA first and then transfer the funds directly to that account through your plan administrator.
Don?t transfer funds to a non-retirement account. You?ll have 60 days to roll the funds back into an IRA in the event of a deposit to wrong account. If you fail to do so, you have to pay tax and penalty on the withdrawal.
Please keep it in mind that rules about IRA or 401 (k) constantly changes, so, always be aware of latest changes to federal regulation and policies.
I will continue with 401 (k) for now till I switch the job. Once and if I switch I would definitely roll over. What about you, readers?
Other Related Articles You Might Be Interested In:
Source: http://technotale.com/ira-vs-401k-should-you-rollover-1141.html
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Icon Health and Fitness-The wellness and aptness attention has confirmed a non-static starting over the past 5 years or so. It is approximated that the UK industry for gyms comprehensive both the in solitude and open location was value 3.8bn this season, whilst the aptness equipment industry, covering both blurb and in-home programs, was value an approximated 354m.
The fitness center industry one after another to flower highly until 2009, buoyed by the local power, business and health and fitness areas, before desire was badly suffering from climbing down non reusable earnings and taking flight lack of employment. In addition, competition powerful with a number of new expenses providers coming into the industry, taking membership rights prices down and going to a relatively advanced level of business activity. Truly, the wellness and aptness team industry blessed a initial season of 0 development in more than a several years, however the industry value is approximated to have came back to development this season ? despite at a low amount.
The aptness equipment industry, on the other hand was impacted early in 2008 by a fall in desire with gyms delaying major repair tasks and the amount of new team spaces climbing down considerably. This event one after another until 2009 going to a fall in industry value during the season. While the wellness and aptness team industry continued to be flat, the blurb aptness equipment industry saw a emotional expand in earnings in 2010 as gyms integrated repair programs in an try to catch more members.
The viewpoint for both of these linked marketplaces in the advanced period is positive. These are developed marketplaces, so development rates will be limited; however, there is powerful actual desire for wellness and aptness services and, therefore, aptness equipment. It is approximated that by 2016, the industry for gyms will have achieved a value of 4.4bn with the aptness equipment industry estimate to be value an approximated 403m.
?Source: http://www.terapiasistemica2011.com/research-and-markets-health-and-fitness/
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[ [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]
Source: http://news.yahoo.com/greece-receives-first-tranche-bailout-aid-121252609.html
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[ [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['The public radio show This American Life has', 2]], 'http://yhoo.it/AaEZ6u', '[Related: Mike Daisey Says Technology Is New Religion]', ' ', '630', ' ', ' ', ], [ [['Apple fanboy Mike Daisey that aired in early January', 6]], 'http://yhoo.it/zAwXWV ', '[Related: The Darker Side of Apple]', ' ', '630', ' ', ' ', ], [ [['I think that these guys are getting mercilessly picked apart', 3]], 'http://yhoo.it/FOlkib', '[Related: Invisible Children defends Kony 2012 film in new video]', ' ', '630', ' ', ' ', ], [ [['With U.S.-Afghanistan relations in crisis', 11]], 'http://news.yahoo.com/blogs/ticket/no-afghanistan-obama-campaign-video-021313177.html', '[Related: No ?Afghanistan? in new Obama campaign video]', ' ', '630', ' ', ' ', ], [ [['Jon Stewart weighed in on the Rush Limbaugh', 2]], 'http://news.yahoo.com/rush-limbaughs-slut-controversy-proves-staying-power-100110062--abc-news.html', '[Related: Rush Limbaugh comment controversy proves it has staying power]', ' ', '630', ' ', ' ', ], [ [['Mammadyarov said democratisation', 11]], 'http://news.yahoo.com/russian-grannies-win-bid-sing-eurovision-095946819.html', '[Related: Russian grannies win bid to sing at Eurovision]', ' ', '630', ' ', ' ', ], [ [['A massive manhunt is underway in France on Monday', 4]], 'http://yhoo.it/Gzy0M9', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/d/b4/db49ba9fa9a9bb5b59d2503822dd212c.jpeg', '630', ' ', 'AP/Manu Blondeau', ], [ [['With U.S.-Afghanistan relations in crisis', 1]], 'http://news.yahoo.com/photos/civilians-killed-in-afghanistan-attack-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/82/782db3234689df989a5b05a09e71511c.jpeg', '630', ' ', 'Reuters/Naseer Ahmed', ], [ [['Rutgers', 7]], 'http://news.yahoo.com/photos/tyler-clementi-cyberbullying-trial-begins-1329842758-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120316/ravi.jpg', '630', ' ', 'Reuters', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]
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Source: http://news.yahoo.com/diamond-gets-notice-non-compliance-nasdaq-142214359.html
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By Davey Golinson, on March 18th, 2012
You have been thinking about it for a long time! That perfect business idea has been incubating in your mind and you just want to let it out. No capital? All you need is a small business loan to get you started on the road to success. It?s easy. Small business loans for woman especially in the minority sector are gaining importance today. Women own 38% of businesses in the United States. Our economy is finally opening up to providing woman with adequate venture capital to start a business. Finding venture capital is very important. But finding it from the right source is even more important. Today there are different institutions that provide small business loans for women. Wondering where to start? Let us be your guide into identifying small business loans for women.
Women often have poor credit scores not because they are not able to pay off their debts, but more because they do not have credit history. Many of them have not borrowed a good amount of money in the past because they have never needed it. And for them to have a startup business of their own is an additional challenge that they have to face. The good thing is there are financial institutions that can offer them a bad credit business loan. This type of loan for businesses can allow women to have the additional capital they need for their chosen ventures.
CAPLines offer five different kinds of loans especially for the construction of a commercial establishment. These are short-term working capital loan programs tailor made for women wanting business loans. Women can take a small business loan up to $200,000. Government business loans for women can also take the form of 504 loans, Defense loan and Technical loans, Physical disaster business loans, Community Adjustment and Investment, Export Working Capital Program and International Trade Loan, all provided by the government.
In doing so, women business owners can have better chances of qualifying for a this kind of loan that regular loans for small businesses. In this way, they can have the additional capital they need right on time. While financing firms that offer small business loans for women with poor credit scores can still remain tricky to find, it can be worth their while to find such a firm so they can save their business from premature downfall.
While these alternatives to government business loans are available for any American citizen over 18 years old to apply for Small Business Grants Loans, you may be surprised to see that there are also hundreds of private foundation grants that will provide you with the financing you need as well.
Learn more about Small Business Grants Loans.
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A senior homecare service is actually a viable option that all individuals with elderly loved ones should think of, particularly if they?re very occupied with their personal life and do not possess time for their parents. This could become a source of stress for anyone and hiring senior homecare service is a potential stress crusher.
You will find quite a lot of benefits in doing this. Employing homecare services is more convenient as well as relaxing for you and your elderly loved ones. An additional benefit is the fact that you could shell out much less cash, however, the standard of service isn?t sacrificed. There are actions that ought to be done in nursing facilities as well as clinics, however, simply because someone will be there to take great care of your family member, your presence isn?t mandatory, giving you time frame to attend to other issues.
Senior homecare offers quite a lot of expert services. The agencies can give physical therapy to the family member together with nutrition treatment. They can also teach you a few things about looking after an elderly. Overseeing illness as well as health are additionally a part of their expert services. Besides healthcare services, the caregivers can additionally do house cleaning, laundry, showering, shopping and even cooking.
You can find out about senior homecare agencies from hospital registries as well as online sites. They can provide listing of ideal Home healthcare agency Newport Beach, Home health care agencies Laguna Beach or Homecare agency San Diego for you personally. If you prefer detailed data, take a look at past customer testimonials and ask about other people?s experience of a particular company. In case quite a lot of individuals are satisfied with a particular senior homecare company, it could be a signal that they?re capable enough to suit your needs.
There are stuff that you can expect to see when you employed a senior homecare agent. One of the first chores of an aid would be looking at temperatures, heart rate as well as blood pressure level of the patient. They?ll also keep track of your family member for signs and symptoms of breathing issues as well as ache. Apart from all these, hunger of the patient can also be watched. The company will offer you a process of care which will become your most important guidebook.
You should make the most out of the senior homecare company you employed by making sure that they?re using constant improvement activities. Health care is a dynamic issue and modification is usually a prospect. Hence, the company should be able to change their approaches for bringing the most effective possible care for your elderly family member.
You might have found the most effective senior homecare company, however, you will still need to check with the receiver of this type of service, your elderly relative. He / she should work with caregiver who he / she can rely on or he / she can work well with given that they will be spending quite a lot of time together. This will make the experience more fulfilling for your family member.
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Public release date: 16-Mar-2012
Share ] Contact: Megan Fellman
fellman@northwestern.edu
847-491-3115
Northwestern University
Who wouldn't pay a penny for a sports car? That's the mentality some popular online auctions take advantage of -- the opportunity to get an expensive item for very little money.
In a study of hundreds of lowest unique bid auctions, Northwestern University researchers asked a different question: Who wins these auctions, the strategic gambler or the lucky one? The answer is the lucky. But, ironically, it's a lucky person using a winning strategy.
The researchers found that all players intuitively use the right strategy, and that turns the auction into a game of pure chance. The findings, published by the journal PLoS One, provide insight into playing the stock market, real estate market and other gambles.
"There are many contexts in which we think we are smart and at an advantage, such as buying real estate as prices start moving up," said Lus Amaral, an author of the paper. "But we don't realize we are competing against people doing the same thing. The advantage is gone, and it becomes a game of chance. So you better enjoy the process."
Amaral is a professor of chemical and biological engineering in the McCormick School of Engineering and Applied Science and an Early Career Scientist with the Howard Hughes Medical Institute.
He and colleagues Filippo Radicchi and Andrea Baronchelli studied public data on 600 online auctions in Australia and Europe, played by 10,000 different auction participants with a total of 200,000 individual bids. (Lowest unique bid auctions occur all around the world, including in the U.S.) The data allowed the researchers to analyze in a systematic way what is going on in each auction.
The work of Nobel Laureate John Nash on game theory is very relevant to these auctions, Amaral said. An online auction is a classic game -- you have some information and you try to guess what other people are doing, and, based on that guess, you try to define your best strategy.
In a lowest unique bid auction, participants place bids for a relatively valuable item, such as a car or boat, in an attempt to have the lowest unmatched bid at the time the auction ends. The lowest bid is one cent, and the participant pays a fee, often a dollar, for each bid. After placing a bid, the participant is told if his or her bid currently is winning. If not, many bid again. Hundreds of times. On average, the auctioneer earns double the cost of the item being auctioned while participants can pay hundreds of dollars to lose.
The researchers conducted a computer simulation and identified what the optimal strategy is in lowest unique bid auctions. They found the strategy is a "bursty" one: consecutive bid values initially are close to each other, and then there is a "long jump" to another area of the bid space where more bid values are placed close to each other. And the pattern is repeated.
For example, an auction participant might place a bid, say of 8 cents. Then he places a number of nearby bids, 5, 6 and 7 cents, as well as 9, 10 and 11 cents. Then he makes a large leap to a different area, placing a bid of 47 cents and also placing several bids around that number. (Remember, every time he places a bid, he pays a fee.)
This mixed strategy combines exploitation (taking small steps in one area) and exploration (taking a big step to a new area). It is a smart strategy that gives you a better chance of winning, but the researchers discovered all the other participants have figured it out, too, wiping out any advantage to individuals.
"We couldn't identify a single person who was not using this strategy," Amaral said.
The "bursty" optimal strategy, he said, is similar to what an animal foraging for scarce food employs. An albatross, for example, has a vast ocean to explore, so it focuses its fishing in a small area for a time and then moves a great distance to try another area. Then it repeats this pattern.
In lowest unique bid auctions, people like to win and become overly optimistic about the amount of money they will lose. They rationally enter the auction to try to win a valuable item for a low price, but then they go on to irrationally stay in the auction -- which is just a game of chance -- and bid too much.
"At some point people will stop playing these online auctions," Amaral said. "Humans are smart about recognizing the deck is stacked against them."
The title of the PLoS One paper authored by Amaral, Radicchi and Baronchelli is "Rationality, Irrationality and Escalating Behavior in Lowest Unique Bid Auctions." Radicchi is a former postdoctoral fellow in Amaral's lab who now is at the University Rovira i Virgili, Tarragona, Spain. Baronchelli is with the Universitat Politcnica de Catalunya, Spain.
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Public release date: 16-Mar-2012 Share ] Contact: Megan Fellman
fellman@northwestern.edu
847-491-3115
Northwestern University
Who wouldn't pay a penny for a sports car? That's the mentality some popular online auctions take advantage of -- the opportunity to get an expensive item for very little money.
In a study of hundreds of lowest unique bid auctions, Northwestern University researchers asked a different question: Who wins these auctions, the strategic gambler or the lucky one? The answer is the lucky. But, ironically, it's a lucky person using a winning strategy.
The researchers found that all players intuitively use the right strategy, and that turns the auction into a game of pure chance. The findings, published by the journal PLoS One, provide insight into playing the stock market, real estate market and other gambles.
"There are many contexts in which we think we are smart and at an advantage, such as buying real estate as prices start moving up," said Lus Amaral, an author of the paper. "But we don't realize we are competing against people doing the same thing. The advantage is gone, and it becomes a game of chance. So you better enjoy the process."
Amaral is a professor of chemical and biological engineering in the McCormick School of Engineering and Applied Science and an Early Career Scientist with the Howard Hughes Medical Institute.
He and colleagues Filippo Radicchi and Andrea Baronchelli studied public data on 600 online auctions in Australia and Europe, played by 10,000 different auction participants with a total of 200,000 individual bids. (Lowest unique bid auctions occur all around the world, including in the U.S.) The data allowed the researchers to analyze in a systematic way what is going on in each auction.
The work of Nobel Laureate John Nash on game theory is very relevant to these auctions, Amaral said. An online auction is a classic game -- you have some information and you try to guess what other people are doing, and, based on that guess, you try to define your best strategy.
In a lowest unique bid auction, participants place bids for a relatively valuable item, such as a car or boat, in an attempt to have the lowest unmatched bid at the time the auction ends. The lowest bid is one cent, and the participant pays a fee, often a dollar, for each bid. After placing a bid, the participant is told if his or her bid currently is winning. If not, many bid again. Hundreds of times. On average, the auctioneer earns double the cost of the item being auctioned while participants can pay hundreds of dollars to lose.
The researchers conducted a computer simulation and identified what the optimal strategy is in lowest unique bid auctions. They found the strategy is a "bursty" one: consecutive bid values initially are close to each other, and then there is a "long jump" to another area of the bid space where more bid values are placed close to each other. And the pattern is repeated.
For example, an auction participant might place a bid, say of 8 cents. Then he places a number of nearby bids, 5, 6 and 7 cents, as well as 9, 10 and 11 cents. Then he makes a large leap to a different area, placing a bid of 47 cents and also placing several bids around that number. (Remember, every time he places a bid, he pays a fee.)
This mixed strategy combines exploitation (taking small steps in one area) and exploration (taking a big step to a new area). It is a smart strategy that gives you a better chance of winning, but the researchers discovered all the other participants have figured it out, too, wiping out any advantage to individuals.
"We couldn't identify a single person who was not using this strategy," Amaral said.
The "bursty" optimal strategy, he said, is similar to what an animal foraging for scarce food employs. An albatross, for example, has a vast ocean to explore, so it focuses its fishing in a small area for a time and then moves a great distance to try another area. Then it repeats this pattern.
In lowest unique bid auctions, people like to win and become overly optimistic about the amount of money they will lose. They rationally enter the auction to try to win a valuable item for a low price, but then they go on to irrationally stay in the auction -- which is just a game of chance -- and bid too much.
"At some point people will stop playing these online auctions," Amaral said. "Humans are smart about recognizing the deck is stacked against them."
The title of the PLoS One paper authored by Amaral, Radicchi and Baronchelli is "Rationality, Irrationality and Escalating Behavior in Lowest Unique Bid Auctions." Radicchi is a former postdoctoral fellow in Amaral's lab who now is at the University Rovira i Virgili, Tarragona, Spain. Baronchelli is with the Universitat Politcnica de Catalunya, Spain.
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Source: http://www.eurekalert.org/pub_releases/2012-03/nu-wwp031612.php
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WASHINGTON (AP) ? Rick Santorum says oil drillers in the Gulf of Mexico are being slammed by "worse and worse and worse" delays in getting federal approval even as gas prices go through the roof. Actually, the wait for permits is getting better and better. Newt Gingrich boasts that small donors are powering his Republican presidential campaign. In reality, one deep-pocketed financial angel and other big money people have been doing loads of heavy lifting, too.
The claims of the Republican presidential rivals are not getting the exposure they once did, ever since the crackling series of debates drew to a close. But in smaller venues or turns on TV, the assertions still fly, as do exaggerations, oversimplifications and outright mistakes.
So, too, on the Democratic side. A polished new film from President Barack Obama's campaign, out Thursday night, pushes the gauzy hero worship beyond what has really happened in recounting the auto industry bailout and recovery. Called "The Road We've Traveled," the fundraising film takes Republican front-runner Mitt Romney out of context in the process.
A look at recent claims from the campaign trail and how they compare with the facts:
OBAMA CAMPAIGN on the automakers' recovery: "With business booming, they repaid their loans."
THE FACTS: The General Motors and Chrysler aid has not been paid back in full, and it is unlikely to be, contrary to the film's narrator, actor Tom Hanks.
More than $1 billion of the $12.5 billion Chrysler bailout is not expected to come back to the government. The government has recouped more than $22 billion of its nearly $50 billion GM bailout after agreeing to take stock in return for most of its investment. But the government's remaining stock would have to rise massively in value for taxpayers to get all their money back. If the stock were sold at some recent values, taxpayers would still be out more than $10 billion.
___
SANTORUM, speaking this week in Lafayette, La., a city heavily dependent on the oil and gas industry: The Obama administration "almost put this town under with the moratoriums, the delays in permitting that are getting worse and worse and worse ? and as a result, the ability for the men and women who go out and drill these wells and service these wells, to go out and earn an income, and more importantly for them to get that oil and gas into the shore so we can use it here in this country."
THE FACTS: Permit approval rates are actually getting faster for exploration wells, the type that was being drilled at the time of the BP well disaster in the Gulf of Mexico.
In 2009, before the Macondo well blowout, it took the government 46 days to approve a drilling permit for a new deep-water well. After the accident, the administration imposed a five-month moratorium on new deep-water drilling while it worked on new safety regulations to minimize the risk of another spill. The BP disaster released an estimated 200 million gallons of oil into the water, killing wildlife, soiling sensitive tidal estuaries and beaches, and closing vast areas of the Gulf to commercial fishing.
Once the moratorium was lifted, processing times for deep-water exploratory drilling permits were longer than before the spill ? an average of 97 days.
But contrary to Santorum's claim, the government's performance is improving. Permit approvals are now happening on average in 62 days, more than a month faster. That's 16 days longer than before the spill, but regulatory protections are tougher now.
Santorum also implies that the entire drilling industry was shut because of the moratorium. Yet, the temporary ban only covered wells drilled to explore or produce oil and gas in deep water. Wells already in production were not covered by the moratorium.
___
GINGRICH, emphasizing the importance of small donors to his campaign, at a rally Wednesday in Rosemont, Ill.: "We have over 175,000 donors now. Most of them are small. Over 95 percent of our donors give $250 or less."
THE FACTS: Gingrich's assertion is probably correct on its face, but not too meaningful. In almost all campaigns, the number of small-dollar donors far exceeds the number of major givers. President Barack Obama's campaign, for example, makes a similar boast ? that 98 percent of its 1 million contributors gave small amounts.
A more significant number is how much of the money Gingrich raised came in small denominations and how much in big checks. Federal Election Commission reports show that through Jan. 31, roughly $11.5 million came from donations under $250. That's about 63 percent of Gingrich's total fundraising. For Obama, the comparable figure is nearly 80 percent.
And the whole calculus leaves out the biggest influence on the Gingrich campaign's financial fortunes ? the group Winning Our Future, an independent super PAC that has been running ads supporting him. Of that group's $13.1 million in total contributions, about 75 percent ? or $10 million ? came from just two people: Las Vegas casino mogul Sheldon Adelson and his wife, Miriam.
___
CHICAGO MAYOR RAHM EMANUEL, quoted in the Obama campaign film on Romney's opposition to the auto bailout: "A lot of conventional wisdom wanted to do what Mitt Romney did ? let it go, can't be saved, why put good money after bad?"
THE FACTS: Emanuel, Obama's former chief of staff, joins some of Romney's Republican rivals in twisting the meaning of his 2008 New York Times article opposing the bailout. The article's headline, "Let Detroit Go Bankrupt," has caused Romney plenty of grief, and the film displays it. But his prescription was meant to save the automakers by having them go through bankruptcy, with the government guaranteeing financing afterward and backing up new car warranties. There is plenty of skepticism that such an idea would have worked, given the chaos in private lending institutions at the time, but he never argued that the auto industry could not be saved.
___
ROMNEY on whether Obama is responsible for high gasoline prices, speaking Thursday on Fox News: "Absolutely. He has not pursued policies that convince the world that America is going to become energy secure and energy independent. He held off drilling in the Gulf. He's held off drilling out of ANWR. He said no to the Keystone pipeline from Canada."
THE FACTS: Despite the former Gulf moratorium, Obama's opposition to drilling in the Arctic National Wildlife Refuge and his decision to delay ? not kill ? the Keystone XL project, the U.S. produced more oil in 2010 than it has since 2003, and all forms of energy production have increased. Offshore production alone surged in the first two years of the Obama administration after being on a downward trend since 2003.
Rising energy demand in developing countries, a cold winter in Europe and tensions with Iran have put pressures on the world oil market and are among the contributors to higher gasoline prices that presidents have little if any power to control.
___
VICE PRESIDENT JOE BIDEN, in a speech to autoworkers Thursday in Toledo, Ohio: "One more thing: the president's historic fuel economy efficiency standards that nearly doubled the efficiency of cars, saving the American families $1.7 trillion at the pump, helping free us from foreign oil dependence. "
THE FACTS: Biden is about 13 years ahead of things. The doubling of mileage standards is to be achieved by 2025. Estimated savings at the pump, though considerable, will be partly offset in the showroom, because the standards will add thousands of dollars to the cost of a car.
___
Associated Press writers Dina Cappiello, Jack Gillum, Steve Peoples, Ken Thomas and Jennifer Agiesta contributed to this report.
EDITOR'S NOTE _ An occasional look at statements by political candidates and how well they adhere to the facts.
Source: http://news.yahoo.com/fact-check-misfires-campaign-trail-073948652.html
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SEOUL (Reuters) - North Korea said on Friday it will launch a long-range rocket carrying a "working" satellite to mark the centenary of founder Kim Il-sung's birth next month, sparking condemnation from the United States and others that it was in breach of a U.N. resolution.
U.S. Secretary of State Hillary Clinton said the announcement was highly provocative and called upon Pyongyang to honor its obligations including U.N. Security Council resolutions banning ballistic missile launches.
"Such a missile launch would pose a threat to regional security and would also be inconsistent with North Korea's recent undertaking to refrain from long-range missile launches," she said in a statement.
The North, which said recently it would suspend long-range missile testing as part of talks with the United States, pledged that next month's launch would not impact neighboring countries.
Experts said the launch was clearly another long-range missile test, and could be seen as an act of brinkmanship to pressure Washington into more talks in return for aid.
South Korea, which is still technically at war with the North after signing only an armistice to end the 1950-53 Korean War, and Japan said the ballistic launch threatened regional security.
Any launch by North Korea, whether for a satellite or not, that uses ballistic missile technology violates Security Council resolutions, the Japanese government said.
"We urge North Korea to exercise restraint and refrain from the launch," said the top government spokesman, Chief Cabinet Secretary Osamu Fujimura.
China, the reclusive state's only main ally, was more restrained in its response, but stressed on maintaining peace on the divided peninsula.
"Protecting the peace and stability of the Korean Peninsula and North East Asia suits the joint interests of all parties and is the consistent expectation of the international community. This requires that all relevant parties take a constructive role," Foreign Ministry spokesman Liu Weimin told reporters at a regular news briefing.
MISSILE ADVANCES
In April 2009, the North conducted a similar ballistic rocket launch which resulted in a new round of toughened U.N. sanctions, squeezing the secretive state's already troubled economy and deepening its isolation.
That launch, dismissed as a failure after the first stage fell into the Sea of Japan without orbiting a satellite, provoked outrage in Tokyo which had threatened to shoot down any debris or rocket that threatened its territory.
Another test failed in similar circumstances in 1998.
Washington says the North's long-range ballistic missile program is moving ahead quickly and former Defense Secretary Robert Gates said last year that the American mainland could come under threat within five years.
"The DPRK is to launch a working satellite, Kwangmyongsong-3, manufactured by itself with indigenous technology to mark the 100th birth anniversary of President Kim Il-sung," the North's official KCNA said, quoting a spokesman for the Korean Committee for Space Technology.
The launch will take place between April 12-16, KCNA said. It is scheduled to occur at around the same time its foes in the South hold a parliamentary election, and just over three weeks after a global nuclear security summit in Seoul.
CELEBRATIONS, MILITARISTIC IMAGE
Pyongyang has been planning massive celebrations for years to mark Kim Il-sung's birthday on April 15, and has boasted the occasion would also mark its emergence on the international stage as a "strong and prosperous" nation.
Analysts said the launch was designed to boost the country's new leadership and to pressure Washington into making concessions.
"For the outside world this is the same as a long-range missile test," said Park Young-ho of the Korea Institute for National Unification, a government affiliated think tank.
"This can interpreted as a means of applying pressure on the Americans in negotiations, and is a celebration of the founder's birth as well as an opportunity for the new leadership to celebrate the beginning of a new era," Park said in Seoul.
The state's new young leader Kim Jong-un, who became the third member of the Kim family to lead the state after his father Kim Jong-il's death in December, has presented a militaristic image to his countrymen since taking power.
He has visited several military sites and been seen mixing with top brass in what analysts say is a move designed to win the all-powerful army's backing for the succession process.
KCNA said the launch would be conducted from a base near its border with China, indicating it would take place at a newly constructed missile testing site believed to be larger and more advanced than the site used to launch previous rockets.
The launch will be made southwards and debris generated from the flight will not impact neighboring countries, it said.
(Additional reporting by Jumin Park in Seoul and Kiyoshi Takenaka in Tokyo; Editing by Sanjeev Miglani)
Source: http://news.yahoo.com/north-korea-says-launch-satellite-mark-founders-birth-034914512.html
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NEW YORK (Reuters) - The OUT NYC hotel boasts two hot tubs, a secret garden, its own nightclub and the title of Manhattan's first boutique hotel built specifically to cater to millions of gay tourists to New York.
The hotel, not far from Times Square and Broadway theaters, also hopes to cater to the friends and families of its gay clientele. And so, turning an old concept on its head, the owners of the hotel like to describe it as "straight-friendly."
"This project has been in the planning for five years, and after 18 months of construction, we are proud to announce the opening of the city's, and maybe even the world's, first gay focused, straight-friendly, urban resort," said co-owner Ian Reisner.
Designed by architect Paul Dominguez, The OUT NYC opened for business earlier this month with a 5,000-foot (1524-meter) wellness center, three separate courtyards, including one dubbed the great lawn, a sunbathing deck, a gym and a restaurant due to open later this spring.
It also features a nightclub called XL and multi-use spaces for conferences, events and weddings.
The inspiration for the hotel came long before New York's same-sex marriage law came into effect in July 2011 and was built specifically with the gay travel market in mind.
New York is one of the biggest destinations in the world for gay, lesbian, transgender and bisexual tourists, according to the city's tourism organization, NYC & Company.
Bjorn Hanson, the divisional dean of the Preston Robert Tisch Center for Hospitality, Tourism, and Sports Management at New York University, said New York hotel operators would be watching the fortunes of The OUT NYC with interest.
"There are hotels that have been developed specifically marketing to?LGBT travelers, but exclusive hotels that really make it their identity are very rare. There are many hotel developers, owners and operators interested in seeing the market response to this hotel," Hanson said.
What distinguishes The OUT NYC is its Hell's Kitchen location on 42nd Street -- an area west of Times Square which was gentrified largely by the city's gay population in the 1980s and 199Os.
"We have more gay bars here now than we actually have in Chelsea, which was the mainstay of the gay community," said Reisner, referring to another area of the city.
"Of the 50 million tourists that came to New York City last year, it's estimated that 8 million were LGBT travelers. With 105 rooms, we don't expect to house many people, but we expect The OUT NYC will become the epicenter of gay life for LGBT New Yorkers.
"With New York's recent legislation, we look forward not only to hosting countless gay couples, but marrying them as well," Reisner said.
The OUT NYC has 97 standard rooms starting at $200 per night, and offers eight budget stay shares, or luxury hostel accommodations, for $99 per person.
Tom Whalen and Russell Kemp, who won a same-sex marriage TV contest, were married last week at the hotel's XL nightclub by "Happily Divorced" actress Fran Drescher.
She is also an activist for marriage equality and is a recently ordained minister for the Universal Life Church and officiated at a ceremony for the owners of the nightclub.
(Editing by Jill Serjeant and Patricia Reaney)
Source: http://news.yahoo.com/york-gay-hotel-looks-thriving-lgbt-tourism-052121225.html
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When you travel you may as well consider your pet along with you, as there are actually pet friendly motels available almost in the least areas and at an affordable value. But earlier than you journey you might have to track down some pet welcoming accommodations, as some lodges do not allow for pets for night time stay. It is extremely important that you make contact with the resorts you might have prepared to remain and make sure no matter whether pets also are authorized.
Pet warm and friendly accommodations are related to usual hotels. Youll be able to opt for mattress and breakfast motels or even a spa and enjoy your journey together with your pet beside you. As pet pleasant hotels are available in minimum quantities in all the destinations youve got to accomplish advance booking. As these hotel rooms are of good demand, they may be booked previously than common motels. For that reason, youve to program forward in reserving room to suit your needs early when you have made a decision to journey using your pet. Significantly when your travel along with your pet is connected to pet exhibits, then the rooms while in the location will likely be exceptionally booked and thus assure at ease accommodation on your pet in advance of all rooms while in the pet welcoming inns are gone.
Numerous with the pet friendly accommodations have unique rooms set aside within the lodge specifically for pet proprietors. These extraordinary rooms allow other guests from the resort to shell out their time easily while in the lodge totally free from pet dander and in addition keeping away from hearing another pets sound. Some pet welcoming accommodations present specific place for pet canines so that you can acquire your pet pet exterior for some reduction. Almost never some pet warm and friendly inns give some recreation locations like a pet dog park and this gives a chance for your pet for socialization with other pet dogs remaining in the identical lodge. The pet welcoming hotels present facilities holding in mind the pets and they also provide pet pleasant eating so your pet deserves special dining assistance through the hotel. In this kind of pet warm and friendly inns there will be an invitation frequently for your personal pet to try and do pretty much anything given for pets and in addition more attractions are entertained for pets like dog camps. These pet camps assist you to delight in your vacation with pleasurable and by leaving the dog in this particular canine camp will entertain your canine also.
For many of the products and services offered inside of a pet welcoming hotel youll need to expend some supplemental sum because they allow your pet to stay as well as you with extra amenities. Though the pet helpful inns allow pets, you normally have to have more supplements for your pet in order that your pet enjoys staying in addition to you. The dietary supplements supplied by pet welcoming inns are certainly not pricey so far as one more persons remaining inside your area. The supplements will probably be a bit high priced along with the expenses of the supplements depend around the variety of lodge you may have chosen.
Additionally, it can be very important to ensure your cat or dogs safety if you phase away from the resort space. You can use a doorway hanger from PetFireAlert.com to inform emergency personnel of your companion animal inside who could need rescuing in the celebration of an unexpected emergency. The door hanger is one among various items involved in every Pet Hearth Notify pet security system.
You need to undertake some analysis prior to you ebook in pet friendly resorts. You can obtain suggestions of pet warm and friendly inns from your close friends and acknowledged folks who would have taken their pets to identical destinations before. Always do your bookings beforehand, for the reason that lodging charges will probably be cheaper ahead of time bookings. Final minute bookings may cost you much more and from time to time you may not have the option to get a space.
Dog Safety
? 2012 The Pro ArticlesSource: http://www.theproarticles.com/traveling-with-pets-and-considering-cat-dog-safety-when-traveling/
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The hottest trend among party themes is the Denim plus Diamonds Party. A denim and diamonds celebration can be as fortuitous or as artistic as you would like relying on the type of business you are seeing apt host. A denim and diamonds party theme makes for a wonderful participative accident where your visitors tin participate among the activities plus theme along wearing accustomed attire. Denim and Diamond parties tin be acclimate for informal gatherings for events such as birthdays,air jordan i, graduations alternatively year parties. A denim plus diamond celebration theme also makes a excellent informal gala theme while you have many invitees and a more formal venue,air jordan 6 rings,merely absence apt reserve the attire plus account accidental.
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Ativan is a prescription medicine that?s in the similar category as Valium. This medicine is used to cure muscles spasms, apprehension in addition to restlessness. It has the matching effects on the human brain as alcohol as it has the equal downing effects. When someone takes Ativan the medication slows down the functioning of the brain as well as cns which creates the user feel relaxed. A new user of the medication would seem sleepy and also has poor coordination of body functions. This improves once the body gets used to the presence of the medication in the system.
The continued use of Aptiva is addictive as well as it has the possibility of designing the body be tolerant meaning that more quantities of the prescription will be compulsory each time the prescription is taken to have the alike effect. The medication if used for a long time will have some negative effects to the user. The most popular side effects include the following. Feeling sleepy Clumsiness which may make falling accidents Dizziness Sleeplessness Unsteadiness General body fatigue Amnesia Petulant Melancholy Headache Perplexity Poor eyesight Sickness and also queasiness Stomach pains Feeling drowsy Blurred vision Loss of memory Poor coordination of body functions.
Personnel who have used Ativan for a long time are likely to suffer falling accidents which could create them injuries. When the central nervous system is effected it isn?t easy for the person to coordinate body functions. If the breathing is interfered with then death is exceptionally possible if steps to seek remedial assistance have been not taken. Ativan drug addicts have been confused such that they do not know or understand what they are doing.
The opening step in treating an Aptiva addict is to rid the body of the drugs physical effects that generate the body to crave for the medicine. The body will take time to adjust to the absence of the medicine which has been in the system for some time. This assets that the user will experience indications the moment he/she discontinues the consume of medicines hurriedly. The withdrawal conditions that have been likely to occur include perspiration, muscle cramps, belly cramps in addition to sickness. In some people the heart rate may extend and also heart palpitations. Seizures have been additionally a possibility a result of tremors. Other warning signs that are exhibited by the devour of Aptiva are fretfulness, depression in addition to disorientation. The user could in addition memory loss in addition to the personality will alter. The addict is swift to anger and also entertains unusual thoughts.
The cure of Ativan addiction should be handled by persons who are trained in this field. During the treatment the addict is assured that the situation is recreational and also that it?s a matter of time before the soreness being experienced will go away. Like many other addiction this addiction can not be dealt with in a single step. The successful completion of the detox should be followed up a therapy process in a aptitude that specializes in Ativan addiction. This rehabilitation ensures that the addict has the best chance of recovery.
For further info about Drug And Alcohol Treatment Centers In New Hampshire and how to get a irreversible cure from drug and chemical addiction at low or no cost, please visit Drug And Alcohol Treatment Centers In South Dakota
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Authority in Residential Door Hardware Brings Families Innovative Security Solutions and Resources to 250 Events Across the Country
LAKE FOREST, CALIF. (March 12, 2012) ? Kwikset begins its 2012 cross-country Smart Security Tour in Newport Beach, California at the 2012 Toshiba Classic professional golf tournament. Two Kwikset trailers will make a total of 250 stops this year to educate homeowners and families on how to keep their homes and loved ones safe with simple security tips and leading lock innovation.
Event visitors will have one of two unique experiences at the trailers. One trailer will showcase the No. 9 Kwikset Ford Fusion show car and the other will include a Kwikset branded golf cart. Guests at both trailers can enter to win a Kwikset branded golf cart, valued at over $12,000. The winner will be announced in December, at the conclusion of the tour. Additionally, the updated mobile showrooms feature a Juxt Interactive touch screen, allowing visitors the opportunity to engage with Kwikset?s wide-range of innovative security options through iPad-esque interactions, including pinch, swipe, and zoom.
In 2011, the Kwikset Smart Security Tour brought safety education to over 71,000 homeowners and professionals across the country. In 2012, Kwikset will broaden its impact on communities nationwide. From March to October 2012, the mobile security tour stops will offer opportunities for unique engagement and activities, including scheduled visits to home improvement retailers, car races, Professional Bull Riders events and the Toshiba Classic. Both trailers will feature Kwikset?s SmartKey? Re-key Technology, SmartCode? Electronic Locks, Key Control Deadbolt as well as showcase the latest products.
?Bringing simple security solutions to neighborhoods across the country empowers homeowners and professionals to make smarter choices in home security,? said Tracy Haugh, Sr. Brand Manager, Kwikset ?By adding the Juxt Interactive touch screen to the mobile showroom, we are personalizing the user experience, and giving visitors the opportunity to learn about security in a memorable way.?
To further demonstrate its commitment to home security, Kwikset continues its partnership with the National Crime Prevention Council (NCPC), home of McGruff the Crime Dog?, to provide crime prevention tips and information at events throughout the tour. NCPC will also assist in organizing its membership, community?organizations, and local authorities to speak on the importance of security in their respective cities.
To learn more about the Smart Security Tour visit: www.kwikset.com/smartsecuritytour
To share this information socially, please do so using the following language:
Twitter: Kwikset?s Smart Security Tour is sweeping the nation this year. Visit http://on.fb.me/kClpbh for dates and locations.
Facebook: The Kwikset Smart Security Tour is traveling across the nation, giving homeowners a first-hand look at the latest in home security, with the opportunity to see products and use their new interactive touch screens. Visit http://on.fb.me/kClpbh for dates and locations.
About Kwikset
Stanley Black & Decker, an S&P 500 company, is a diversified global provider of hand tools, power tools and related accessories, mechanical access solutions and electronic security solutions, engineered fastening systems, and more. Please visit Kwikset?s electronic press kit for additional details at www.kwiksetpresskit.com.
The Stanley Black & Decker Hardware and Home Improvement Group (HHI) is part of the company?s Mechanical Access Solutions division. HHI develops, manufactures, markets and sells builders? hardware, residential and commercial door hardware, kitchen and bath faucets, shower systems and bath accessories under the Stanley?, National Hardware?, Kwikset?, Weiser ?, Baldwin ?, and Price Pfister? brands. Headquartered in Orange County, Calif., HHI has a global sales force and operates manufacturing and distribution facilities in the U.S., Canada, Mexico and Asia.
About the Toshiba Classic
Hoag Hospital Foundation produces the annual Toshiba Classic and the 2012 tournament will benefit the Mary and Dick Allen Diabetes Center at Hoag for the second consecutive year. During the last 14 years, the Toshiba Classic has generated more than $14 million for charity, the most on the Champions Tour. Televised domestically to over 81 million households on the Golf Channel, and an additional 86 million households internationally, the Toshiba Classic provides invaluable exposure for the communities of Orange County. In addition, the tournament generates an estimated $28 million in annual economic impact, benefiting the businesses of Newport Beach and Orange County. For more information, please call 949/660-1001 or log onto ToshibaClassic.com. Follow Toshiba Classic on Facebook at www.facebook.com/toshibaclassic, and on Twitter at @toshibaclassic.
About Hoag Memorial Hospital Presbyterian
Hoag is a not-for-profit regional healthcare delivery network in Orange County, Calif., consisting of two acute-care hospitals, seven health centers and a network for more than 1,300 physicians, 5,000 employees and 2,000 volunteers. Hoag Hospital Newport Beach, which has served Orange County since 1952, and Hoag Hospital Irvine, which opened in 2010, are designated Magnet hospitals by the American Nurses Credentialing Center (ANCC). Hoag offers a comprehensive mix of health care services, including Centers of Excellence in cancer, heart and vascular, neurosciences, orthopedics and women's health. National Research Corporation has endorsed Hoag as Orange County's most preferred hospital for the past 14 consecutive years. And for an unprecedented 15 years, residents of Orange County have chosen Hoag as the county's best hospital in a local newspaper survey. Visit www.hoag.org.
About the National Crime Prevention Council
The National Crime Prevention Council is the nonprofit leader in crime prevention. For 30 years, our symbol of safety, McGruff the Crime Dog?, has delivered easy-to-use crime prevention tips that protect what matters most?you, your family, and your community. Law enforcement agencies nationwide rely on our expertise to make an impact on personal safety and crime every day. For more information on how NCPC can be a public safety expert for you or how to ?Take A Bite Out of Crime?,? visit www.ncpc.org. Follow NCPC and McGruff on Facebook, Twitter, YouTube, and MySpace.
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