Janesville, WI 2013 Ford F-150 New SuperCrew Cab Rockford, IL Beloit, WI Gordie Boucher Ford Lincoln of Janesville for $47,830

  • $47,830
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  • 3 mi.
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    • Tachometer
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  • Technical

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Payment $838.61

$47,830

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$47,830

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12 %

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EPA mileage estimates are for newly manufactured vehicles only. Your actual mileage will vary depending on how you drive and maintain your vehicle.

Before purchasing this vehicle, it is your responsibility to address any and all differences between information on this website and the actual vehicle specifications and/or any warranties offered prior to the sale of this vehicle. Vehicle data on this website is compiled from publicly available sources believed by the publisher to be reliable. Vehicle data is subject to change without notice. The publisher assumes no responsibility for errors and/or omissions in this data the compilation of this data and makes no representations express or implied to any actual or prospective purchaser of the vehicle as to the condition of the vehicle, vehicle specifications, ownership, vehicle history, equipment/accessories, price or warranties. 2013 Ford Milwaukee, WI 2013 Ford Madison, WI 2013 Ford Waukesha, WI

Source: http://www.boucher.com/2013-Ford-F-150-Janesville-WI/vd/12573531

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Killer Banner Ads and Landing Pages - Web 2.0 Asia Blog

After 15 years of working for someone else Mikaal Abdulla finally got smart and started his own company. He is the co-founder and CEO of 8 Securities. This is part of an occasional series on marketing tips and strategies for startups.


If you are building a consumer internet business, you have probably spent 90 percent of your time on product development, building a team, chasing funding, and defending your decision not to get a ?real job? to your mother. If you are lucky, then you spent the other 10 percent getting some sleep. The one area of execution that I typically see Asian startups least equipped to tackle is advertising.

Probably best to ignore Bad Advice Kitty.

As I have written before, there is a dangerous and false notion that products sell themselves. They don?t. Your product will not go viral and anyone that bets the success of their startup on tweets is a fool (and will eventually have to admit to their mother that she was correct). Advertising is to be taken seriously and you need to provision for both investment and time to learn how to acquire and retain customers online. There is no question that startups in Asia have an engineering bias ? and that?s a good thing. But we are far behind our counterparts in Berlin, London, New York, and Silicon Valley when it comes to the quality of our UX (user experience) and marketing execution. Today I will focus on paid banner advertising, which is also known as display advertising. (I will cover search engine marketing, retargeting, email marketing, mobile advertising, social, public relations and UX in future posts on TechInAsia).

Online eyeballs

I spent over a decade spending an average of US$20 million a year in advertising for my previous employer (now current competitor). That marketing investment was almost entirely online and distributed into 15 different geographies across Canada, Europe, the Middle East, and Asia. Having benefited from that responsibility at a young age I learned a thing or two about online consumer behavior, building a brand online, and of course the ins and outs of digital advertising on a global scale. I also learned that fucking up once in a while was normal, and success in achieving marketing ROI (return on investment) is done through the systematic process of spend, track, learn, adjust, and then scaling the investment when you see returns. Even today, I accept that 70 percent of my teams individual advertising campaigns will either fail or break-even, but it is our job to ensure that the 30 percent that work get the majority of the investment and can scale up fast. It?s not dissimilar to the portfolio theory of a venture capitalist. They know most of their investments will fail but their ability to rapidly identify and ramp up investment in the winners is the name of the game. Treat your marketing tactics and campaigns the same way. Without some level of risk there will be no reward.

When I launched my startup into the very traditional bricks and mortar consumer financial services industry in Hong Kong, I had a theory that it could be built and operate entirely online. I had faith that consumers had evolved faster than the businesses serving them. I saw a disconnect between consumers demands and the stale business models that faced them. This was simply the opportunity. 8 Securities is new company going head to head with huge competitors such as HSBC and Bank of China. If we want to win in the long-term, we have to acquire new customers at scale, add value to their lives and strive every day to make them happy. In 2012 we will have spent approximately US$500,000 in advertising and 100 percent of that is online. Here are some lessons learned and recommendations that that I hope are useful for you.

Tip #1: It all starts with your value proposition

As a consumer internet startup, your paramount objective is to solve a problem for your customers. In doing so, you need to crystallize what differentiates you and precisely how that benefits your customer. Only once you have done this can you begin to think about your message to the market.

Defining your value proposition is no easy task. After nine months in the market we are still refining ours as we are constantly learning from our customers and striving to meet their needs. What we thought might be a benefit often has no resonance with customers, and only by listening do you really understand their pain point and the solution. Your value proposition and your brand have a symbiotic relationship in that one can not live without the other. Your brand is your promise to the customer. Your brand equity is what is left after you subtract your brand?s value proposition with that of your competitors. Marketing can not be effective until you are very clear on how you will position your value proposition in the market and and ultimately in the mind of your customers.

Many of the ?marketing professionals? across Asia maintain a false belief that brands can not be built exclusively online. Furthermore, many media planners are still very traditional in their thinking and will advise you that ?offline? marketing is a necessity to build brand strength and trust (they also earn more from traditional media). Leave the ?offline? advertising to your competitors that are dinosaurs and focus your marketing efforts online where your customers eat, sleep, and breath. With the exception of any public relations you are able to generate in the press or TV, I would ignore the offline channel all together. Marketing in print advertising, outdoor, and on TV is a luxury and certainly not a necessity for a company born on the internet.

Tip #2: Banner advertising and the economics of lead acquisition

The first online banner in history belonged to US telecoms company AT&T. It was hosted on a website called Hotwired and got an astounding 78 percent click-thru rate. The average click-thru rate today is 0.07 percent ? and falling fast. Online banner advertising is tough but if you crack the code it will give you a tremendous competitive advantage and a much lower acquisition cost per account than more traditional competitors.

The main advantage of banner advertising is that you can scale it at a rate not always available through paid search. There are three main variables you must optimize when running online banner advertising. First, you need to negotiate a viable CPM (cost per 1,000 impressions) if you are not running a pay per click campaign. Theoretically, an ?impression? is defined as each page load where your ad is displayed in front of a real set of human eyeballs. That said, a vast majority of your purchased impressions will not be seen as we have trained ourselves to ignore advertising as we browse content. This is among one of the biggest factors why we have seen click-thru rates plummet.

Many online properties where you will want to advertise still operate on a CPM basis and that includes Yahoo. For the sake of this example, let?s assume you negotiate a CPM of $5 on a site that generates quality traffic that you would like to target. If you invest $5,000 then you are purchasing one million impressions for your ad.

Second, the quality of your advertisement is critical. The most common mistakes are banners that try to convey too much information, don?t have a clear call to action, or don?t visually stand out from the background. We usually find that we have to change our messages and creative two or three times before we get it right. In terms of media, your creative can span simple flash all the way to expandable video ads. We have run a number of video based campaigns on Yahoo and LinkedIn (one of the first in Asia to do so) and saw a CTR (click-thru rate) of over one percent. Most of the videos we ran would drive interaction from over 50,000 unique visitors, but that of course is all a function of our investment level.

The benefit with video is that it?s a more effective medium to grab attention, to tell a story, and build your brand identity, but it comes at a greater cost both in terms of production and the media buy. For the purpose of this example, lets assume we run a standard three rotation flash banner. Let?s assume we beat the average and can achieve a CTR of 0.10 percent. If you invest $5,000, you have purchased one million impressions. If 0.10 percent click on your ad then you will have generated 1,000 unique visitors to your landing page (also known as the campaign page).

Finally, you need a great landing page on which your sole goal is to convert the visitor who clicks on your advertisement into a qualified lead or user. Don?t make the mistake of sending your leads to your home page as you need to isolate their experience to the objective at hand. The conversion rate of visitor to qualified lead really depends on your specific business and the information you are capturing. That said, you should aim for a minimum of 15 percent of your visitors to convert.

The fundamental elements of a great landing page are:

  1. Your call to action and design elements must be consistent between the landing page and the ad that was clicked. If the experience is not seamless and logical then your visitor is lost.

  2. Have a very clear headline and body copy. You must tell your visitor what it is and what you want them to do. If you are not promising to solve a problem for them then they have no reason to stay and will bounce off.

  3. Don?t over-engineer your online form to capture lead information. Make it as simple and clear as possible. If you don?t need their mobile phone and home address then don?t ask for it. Keep it to a minimum and ideally just just ask for name and email, or use social log ins. Don?t forget to clearly highlight your privacy policy if you expect their trust. A simple ?We promise we won?t share your email? will often suffice.

Plus, here are ?101 Landing Page Optimisation Tips? from one of the brightest minds in the business ? so there are already no excuses for getting it wrong.

In summary, we have invested $5,000 in our example to generate 1,000 visitors to our landing page with a minimum goal of converting 15 percent, or 150, of those visitors into qualified leads or users. This results in a cost per user of $33. Do you expect the lifetime value of your users to be greater than $33? If so, the investment makes sense. Know your ROI and constantly optimize your lead funnel as there is always room for improvement.

Tip #3: Tracking and optimizing your advertising investment

Anyone that knows me would be right to say I am crazy about analytics and data. I have invested a great deal of time testing hundreds of tools to measure the entire life cycle of our customers from the point of advertisement to engaged customer. We currently track the specific advertising source that a customer clicked on and bind it to the customer?s activity so we can assess in real-time the revenues ultimately generated by the specific ad, the channel, and the campaign.

There are no endorsements here, but I wanted to lift the hood for startups so you can see what marketing systems we run. We use MediaMind for our ad serving platform. From this platform we host and deploy our banner ads across different websites and geographies. On a daily basis we track CTR, conversion, and revenue metrics on the specific ads and campaigns we are running. We are constantly optimizing our media mix based on this data.

To track interaction on our landing page and website we use Google Analytics. This provides invaluable insight in terms of how visitors are engaging and navigating our store front. Tools such as CrazyEgg provide a deeper real-time heat map so you can optimize the layout of your page.

The most important tool I use when it comes to lead acquisition and conversion tracking is MixPanel. MixPanel provides event driven funnels based on your defined flow. In our case, we measure leads from the point they arrive on the landing page through each of the six steps of our online application. I can see specifically where customers may drop out of our online application and work to make the process simpler. Once we generate potential customers online, we use Salesforce to auto route the prospect to the appropriate sales person based on language, geography, and product experience. This of course increases the sales conversion rate as you are matching customer needs with the person best equipped to help them.

We use Salesforce as our end-to-end CRM system. As a transaction-driven business we measure our revenue and core business metrics in an OLAP (online analytical processing) tool called MicroStrategy. For pre-revenue startups you can very likely tackle this manually until you reach a point of scale where it makes sense to invest in automation. Rather than waste time logging into all of these systems I publish them to the entire office in real-time through a dashboard called Geckoboard. As they say, you manage what you measure.

Focus on these three core areas and you will be running very effective and performance-driven online banner campaigns in no time. Remember, be prepared to take risks and accept that failing fast and pivoting is a normal part of the marketing process.

The post Killer Banner Ads and Landing Pages: 3 Tips for Asian Startups appeared first on Tech in Asia.


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Source: http://web2asia.blognhanh.com/2012/11/killer-banner-ads-and-landing-pages-3.html

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Teen escapes Forestville house fire that killed family dogs ...

Firefighters remove clothing and other items from a Vellutini Road home destroyed by fire on Tuesday, Nov. 27, 2012.

JOHN BURGESS/ PD

Published: Tuesday, November 27, 2012 at 9:42 a.m.
Last Modified: Tuesday, November 27, 2012 at 1:00 p.m.

A 17-year-old awoke to smoke in her Forestville home Tuesday morning and escaped through a bedroom window before a fire destroyed the residence.

The teen, her mother and little sister lost their Vellutini Road home and two family dogs, an older dog the family had had for 12 years and a Bull Mastiff puppy, reported Forestville Fire Chief Max Ming.

The fire chief said there apparently weren?t any smoke detectors inside and the teen was lucky she awoke.

?She jumped out her window and called for her dogs,? said Ming.

The teen, Kyah Caster, called for help at 8:43 a.m.

She initially told dispatchers she feared her mother could still be inside but then discovered her mom and 5-year-old sister had already had left.

A Forestville engine crew arrived at 8:51 a.m. The small, single-story home was engulfed in flames.

The home, off of Martinelli Road, was a few miles up into the hills above the Russian River.

Russian River and Graton firefighters also responded. Multiple fire engines and water trucks crowded the narrow lane, cramming into little driveways and around a fire hydrant near the home.

The fire apparently started in the kitchen. The cause was under investigation but initially it appeared to be accidental, said Ming.

A few things were salvaged from the remains but the residents, Darcy Kotta and her teen and 5-year-old daughter lost their home and virtually all of their belongings.

The local Red Cross was called to help.

You can reach Staff Writer Randi Rossmann at 521-5412 or randi.rossmann@pressdemocrat.com.

Source: http://www.pressdemocrat.com/article/20121127/articles/121129691

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Western Digital My Book Thunderbolt Duo

The Western Digital My Book Thunderbolt Duo ($849.99 list) is one of the largest capacity drives you can buy. Dual 4TB drives together in a RAID 0 array means that you can hold up to 8TB on one logical volume. While this technically means you can store files larger than 4TB (like raw video or a massive database), it also means you can store a mind-boggling large number of smaller files (say every photo a professional photographer has taken since 1997, in native RAW format). It's a prime choice if you need all that space, but there are faster drives out there that take better advantage of the next generation Thunderbolt port. Think of it as a future-proofed bucket for all your files.

Design and Features
The My Book Thunderbolt Duo comes in a silver colored 6.5 by 4 by 6.25 inch (HWD) desktop drive enclosure. It looks very much like the still available Western Digital My Book Studio Edition II 6TB ($499.99 list, 4 stars), aside from the fact that the WD Studio Edition II has a capacity gauge its front panel. Instead, the Thunderbolt Duo has a simpler power/drive use LED. In the back are two 10Gbps dual-channel Thunderbolt ports, the jack for the AC adapter, and a Kensington lock port. Unfortunately, the Thunderbolt Duo lacks a USB 3.0 port or FireWire 800 port, both of which would be helpful if you ever needed to transfer files with a PC or Mac that lacks a Thunderbolt port. Make sure to transfer files from your old drive over the network or using a Mac with both types of ports.

The My Book Thunderbolt Duo comes with two capacious 4TB Hitachi hard drives pre-installed, and configured for RAID 0 (striping). This isn't as odd as it sounds, since Hitachi and Western Digital are now corporate cousins. This gives you 8TB of storage, which is one of the largest capacities available in a desktop drive enclosure. You can use the included WD Drive utilities to reconfigure the Thunderbolt Duo as a RAID 1 array (protected 4TB drive) or as a pair of individual 4TB drives (JBOD). You can pop the top panel open with a touch, exposing the drive cage. After undoing a thumbscrew and lifting out another panel, you can access the My Book Thunderbolt Duo's two drives. This is handy for the sorts of folks who burn out hard drive mechanisms often, like video editors. You can ask Western Digital for replacements during the drives' three-year warranty. The drives come pre-equipped with slide in pegs and easy to use handles, so you can replace them a few minutes without using a screwdriver.

The drive comes with an installer for WD Drive Utilities, which lets you register the drive, set drive security (256-bit encryption), run diagnostics, format the drive, set the RAID level, and set a sleep timer for the drive. The sleep timer is important, since you don't want the drive to run 24/7 and risk burn out unnecessarily. The drive comes formatted for HFS+ (native Mac format), which means you can use it with Time Machine out of the box. The two Thunderbolt ports on the back are interchangeable; you can connect your Mac to one port, then daisy chain other drives or a display to the other port. Thankfully, the 8GB version of the My Book Thunderbolt Duo comes with one Thunderbolt cable, so you don't have to shell out an extra $49 for Apple's cable. Lower capacity versions (4TB and 6TB) do not come with a cable, so you'll have to add one to the cart when you buy the Thunderbolt Duo.

Performance
The Thunderbolt Duo's speed rivals that of a solid-state drive on some operations. The drive took a short six seconds to transfer our 1.2GB test folder, a faster time than the 17 seconds of the SSD-powered LaCie Rugged USB 3.0 Thunderbolt (120GB SSD) ($299.99 list, 4.5 stars), equal to the Editors' Choice LaCie Little Big Disk Thunderbolt (1TB SSD) ($999 list, 4.5 stars), and about twice as fast as the LaCie 2big Thunderbolt Series (6 TB) ($749 list, 4 stars).

The My Book Thunderbolt Duo is also a smidge faster than its faster cousin, the Western Digital My Book VelociRaptor Duo ($899 list, 4 stars) on the drag and drop test (11 seconds). However, the VelociRaptor Duo is a lot faster at the AJA system test, which simulates the sort of drive transfers that are commonplace in the video editing world. The Thunderbolt Duo is capable of good scores: 257MBps read and 263MBps write scores at the AJA system test. The VelociRaptor Duo speeds along with a 374 MBps read speed and 343 MBps write speed, handily beating the 2big drive (320MBps Read, 304MBps Write), but coming in behind the Little Big Disk (620MBps read, 380MBps Write). This means that the Thunderbolt Duo is fast, the Velociraptor Duo is faster, but the Little Big Disk is the fastest. Granted, they all have different capacities and markets, matching their relative speeds.

The My Book Thunderbolt Duo concentrates on capacity. Weighing in at 8GB, It's one of the largest capacity drives we've tested short of a multi-disk NAS array. It's larger and faster than older FireWire 800 drives by a long shot. It's also much larger (but slower) than its speedy sibling the Western Digital My Book VelociRaptor Duo (2TB), and all are significantly slower than the Editor's Choice for external drives, the La Cie Little Big Disk Thunderbolt (1TB). If you absolutely, positively need 8TB for your large database, scientific, or graphics files in a single volume and are looking to keep your drive future-proofed, then the My Book Thunderbolt Duo is a very good choice, but there are faster drives (with much lower capacity) at this price point.

The Western Digital My Book Thunderbolt Duo comes in as a high-speed drive for graphics designer and scientific professionals. While not as capacious as the LaCie 2Big Thunderbolt, it is significantly faster. It's also faster on write operations and has much more capacity than SSD-powered solutions like the LaCie Little Big Disk and Rugged Thunderbolt solutions. The Promise Pegasus R6 ($1,999 list, 3.5 stars) has a larger capacity and greater speed, but my goodness look at the price tag. The current external drive EC, the IoSafe Solo G3 (1TB) ($299 direct, 4.5 stars) holds on to its title thanks to its rugged, fire-proof construction and included data recovery service, but the Thunderbolt Duo is a great choice for Mac professionals and any specialized PC user that needs the speed of Thunderbolt enough to seek out and buy one of the few Thunderbolt-equipped PCs.

COMPARISON TABLE
Compare the Western Digital My Book Thunderbolt Duo with several other hard drive side by side.

More hard drive reviews:
??? LaCie Little Big Disk Thunderbolt (1TB SSD)


??? Western Digital My Book Thunderbolt Duo
??? G-Technology G-Drive Mobile
??? Pioneer DVR-XD10
??? G-Technology G-Drive Slim
?? more

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/_l6fvTE7l4k/0,2817,2412406,00.asp

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NASA seeks concepts for innovative uses of large space telescopes

ScienceDaily (Nov. 28, 2012) ? NASA is exploring options for innovative and imaginative uses of two large space telescopes recently transferred to the agency. In a request for information (RFI) published Monday, NASA seeks information about system concepts and architectures that would take advantage of these assets to address NASA's goals in astrophysics, heliophysics, planetary sciences, and human spaceflight.

"Because there are two telescopes, there is room for projects that span the gamut of the imagination," said Michael Moore, a senior program executive at NASA Headquarters in Washington. "They range from simple balloon flights to complex missions in science using new technologies under development and the capabilities available with the International Space Station and our commercial space flight partners."

The telescopes are equivalent to NASA's Hubble Space Telescope in aperture, but designed to have a much wider field of view. They already are being studied for possible use as a wide field infrared survey observatory, which would address the top priority recommendation in the National Research Council's 2010 Astrophysics Decadal Survey. NASA is seeking alternative goals and unique approaches in order to expand the range of concepts for use of this capable hardware.

The RFI invites interested parties to provide an outline of their concept in enough detail for a next-step assessment by NASA as it prepares for future investments in diverse areas of science and technology. Respondents who submit the most interesting concepts will be invited to present their ideas at a workshop in Huntsville, Ala., in early February 2013.

"We will give all ideas equal consideration and choose the most promising for further study," said Marc Allen, acting deputy associate administrator for research in NASA's Science Mission Directorate. "We want to tap into innovative ideas wherever we can find them in order to optimize use of these telescope assets."

For more information about the RFI, NASA goals and objectives, details on the telescopes, and other supporting information, visit: http://science.nasa.gov/salso

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The above story is reprinted from materials provided by NASA.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/d_xXm1Xrgac/121128070705.htm

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Pharmacy Technician Jobs - references and education directory ...

Regardless of how our economic situation fares, the pharmacy technician career will have an easier time staying afloat and the demand for it will only continue to grow. Pharmacy technician jobs are teeming all over the place, but the heavy competition may make things had for you. So if you want to find yourself being sought after by an employer, receiving proper training and certification is necessary.

You don?t really have to undergo formal training in order to become a pharmacy technician, but there are additional benefits if you do. Educational institutions such as vocational schools, community colleges, and hospitals offer formal training programs ranging from a 6 months to 24 months. If you want to be qualified for the best pharmacy technician jobs, getting formal education is recommended.

Once you have completed you formal training program, you can make yourself even more attractive to potential employers by working hard to attain certification and other credentials. Certification is an excellent indication of your competency as a pharmacy tech. You can seek to become certified by either the Pharmacy Technician Certification Board (PTCB) or the Institute for the Certification of Pharmacy Technicians (PTCB).

If you try to notice the requirements among the majority of pharmacy technician jobs, they require applicants to have reliable communications and interpersonal skills since they will be spending most of their time working with healthcare workers and interacting with patients. Sound mathematical and analytical skills are also a must when preparing medications.

Pharmaceutical firms are not the only places where pharmacy technician jobs can be found ? there are also plenty of employment opportunities in hospitals, convenience stores, and department stores which have their own pharmacy. To help make your search easier, you can take advantage of the internet and you can also submit your resume to online job directory websites.

The classified ads section of your local newspaper can also give you plenty of options when it comes to pharmacy technician jobs. If you have decided that you want to apply for a job in a pharmaceutical firm, you may want to drop by the company website to check out their employment opportunities and know more about what they are looking for.

If you think getting a diploma from a pharmacy tech school is very difficult, well think again. Check out our website about pharmacy technician certification and we?ll provide you with materials to help you reach your dreams. Visit www.pharmacytechnicianreviews.org now.

Source: http://referencesandeducation.info/2012/11/pharmacy-technician-jobs-how-to-deserve-a-higher-pay/

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Source: http://tahminarjamai.blogspot.com/2012/11/pharmacy-technician-jobs-references-and.html

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Source: http://wilfred6043.typepad.com/blog/2012/11/pharmacy-technician-jobs-references-and-education-directory.html

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Source: http://adolphburch.typepad.com/blog/2012/11/pharmacy-technician-jobs-references-and-education-directory.html

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Source: http://kujakaashelley9.typepad.com/blog/2012/11/pharmacy-technician-jobs-references-and-education-directory.html

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HBT: Yanks close to signing Pettitte? |? and Rivera

Andy Pettitte is almost back:

Multiple sources are saying the deal will be announced in the next couple of days. Not that most folks expected him to retire.?Pettitte should expect a nice raise over the $2.5 million he made in 2012, when he posted a 2.87 ERA and 69/21 K/BB ratio over 75 and a third innings. Joel Sherman of the New York Post says it will be in the $10-11 million range.

With Hiroki Kuroda re-signing last week and now Pettitte back in the fold, the Yankees? rotation looks set with?CC Sabathia?at the tops, followed by?Kuroda and Pettitte,?Phil Hughes,?Ivan Nova?and?David Phelps?for depth.

Source: http://hardballtalk.nbcsports.com/2012/11/27/andy-pettitte-and-the-yankees-close-to-a-deal/related/

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Exclusive: Calpers triggers legal fight with bankrupt San Bernardino over pension debt

LOS ANGELES (Reuters) - America's biggest public pension moved aggressively against the bankrupt city of San Bernardino, California, on Tuesday night over the city's decision to halt payments to the fund.

The move laid bare a high-stakes battle shaping up between Wall Street and state pension funds over how they are treated when cities run out of money.

The powerful California Public Employees' Retirement System (Calpers) filed a legal motion declaring its intention to sue San Bernardino for millions of dollars in pension arrears, a move that the fund has never before had to make in a municipal bankruptcy.

San Bernardino, a city of 210,000 about 60 miles east of Los Angeles, filed for bankruptcy protection on August 1. Since then, it has halted its bi-weekly, $1.2 million payment to Calpers, saying it wants to defer any payments to the fund until fiscal year 2013-2014. Calpers says the city is already $6.9 million in arrears since August 1.

The San Bernardino bankruptcy is fast emerging as a precedent-setting case over how creditors, especially Wall Street bondholders and insurers, are treated in a municipal bankruptcy, because never before has a city seeking bankruptcy halted payments to Calpers or threatened its historical primacy as a creditor.

Under Californian state law, the contract between Calpers and debtor cities is viewed as inviolate and has been treated as such by state courts. Unlike Calpers, other creditors have historically been forced to renegotiate or forgive debt to debtor cities.

The Californian city of Stockton, also seeking bankruptcy protection, decided to keep current on all payments to Calpers, as did the city of Vallejo, which emerged from bankruptcy in 2011.

San Bernardino's decision to halt its payments, and its move on Monday night to include in a new budget an attempt to renegotiate the terms of its debt with Calpers, is uncharted territory for the pension fund. Wall Street bondholders and insurers have already indicated their intention to test Calpers' primacy as a creditor in the San Bernardino case.

Calpers, one of the biggest pension funds in the world, serves many cities and counties in California. It is San Bernardino's biggest creditor. The city, which has a nearly $46 million deficit for the current fiscal year, lists its unfunded pension obligations to Calpers at $143.3 million. Calpers says if the city halted its relationship with the fund immediately, the debt would be $319.5 million.

Under the U.S. bankruptcy code, all legal actions against a debtor city by creditors are stayed until the bankruptcy has been approved, or thrown out.

In the legal motion filed to the bankruptcy judge overseeing the San Bernardino case shortly before midnight on Tuesday, Calpers asked for that stay to be lifted so it could redeem its debt in a state court. It also said even if the stay was not lifted, it would still seek redress in a state court.

Calpers expressly stated that it was "concerned about inappropriate preferential treatment that might be given to other creditors" in San Bernardino's bankruptcy. Calpers has long argued that pension contributions cannot be touched, even in a bankruptcy.

The move by Calpers is the opening battle that could see the case move all the way to the U.S. Supreme Court, America's highest court, said Karol Denniston, a Californian bankruptcy expert who authored part of the state's bankruptcy code.

All municipal bankruptcy cases, including San Bernardino's, are adjudicated in federal court. Calpers is in effect asking that the state law governing its contractual relationship with debtor cities not be trumped in federal court, Denniston said.

"We've never been here before," Denniston said. "This is the opening move in complex legal issue over how much power a federal bankruptcy court has over a state contract. The state statute, and Calpers, says Calpers always gets paid in full. This is the first time this has ever been tested."

Robert Glazier, a Calpers official, said: "This legal action would allow us to collect the employer contributions from San Bernardino which are required by state law, to maintain the integrity of the San Bernardino pension plan for its public employees and retirees and to avoid needless procedural disputes and additional legal costs."

(Reporting By Tim Reid; Editing by Pravin Char)

Source: http://news.yahoo.com/exclusive-calpers-triggers-legal-fight-bankrupt-san-bernardino-093110364--sector.html

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Rice to discuss Libya with McCain, lawmakers this week-aides

WASHINGTON (Reuters) - U.S. Ambassador to the United Nations Susan Rice will meet with lawmakers this week to discuss her controversial remarks about the September attacks in Benghazi, Libya, that have caused hurdles for her potential promotion to secretary of state.

An Obama administration official said Rice and Acting CIA Director Michael Morell would meet with officials on Capitol Hill this week but declined to give details about timing.

A Senate aide said that Rice would meet with Republican Senators John McCain, Lindsey Graham, and Kelly Ayotte.

All three senators have been critical of Rice for appearing on TV talks shows shortly after the attack on the U.S. diplomatic mission in Benghazi and saying that preliminary information suggested the assault was the result of protests over an anti-Muslim film rather than a premeditated attack.

Rice is considered a top contender to replace Secretary of State Hillary Clinton.

(Reporting by Jeff Mason and Susan Cornwell; Editing by Eric Walsh)

Source: http://news.yahoo.com/rice-discuss-libya-mccain-lawmakers-week-aides-234935328.html

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Let's Just Assume Amazon Has Sold, Like, Eight Kindles

There's no doubt that Amazon sells a lot of Kindles; it's the most popular product on a site that sells many very popular things. But we're five years into the Kindle Age, and we still don't have a single firm sales number to pin on them. Come on, guys! Let us quantify how impressed we are! More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/IbHYB6cf96I/lets-just-assume-amazon-has-sold-like-eight-kindles

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