Saturday, March 31, 2012

Upgrades & Downgrades: Casual Friday Suits The Gap Just Fine ...

The?S&P 500 Index?(^GSPC) closed inexorably in on its best first quarter since 1998 while over on the?NYSE?a 92.31% debut gain in?Millennial Media?(MM) revived memories of skyrocketing stocks at the dawn of the century. As for the?Dow?(^DJI),?on the 13th anniversary of a first ever close above over 10,000, it partied like 1999. Admittedly, blue chips increased only 19.61 points but that still represented an impressive recovery from an earlier 94 point swoon, and ensured they snapped a three-day slump to end the session as the only major average in positive territory.?Red Hat?(RHT), whose open source operating system was developed by Helsinki-born Linus Torvalds, enjoyed an especially strong Finnish to Q1, advancing 19.54% in reaching its best level in a dozen years. Back then sexy Internet IPOs were all the rage but these days it is decidedly more humdrum products that are lining investors? pockets. Twenty four hours after organic food firm?Annie?s Inc(BNNY) jumped 89.05%, ball-bearing maker?Rexnord?(RXN) rose 11.11% in its own first day of trading. Just in time for today?s movie opening about?women?s ongoing love affair with pumps, Payless shoes parent?Collective Brands?(PSS) added 8.41%. (Of course, in a world where?macho quarterback Tom Brady is an Ugg endorser, men have their own equivalent.?Rocky Brands?(RCKY), maker of footwear for construction workers and law enforcement, ended up 4.46%.)
?
Princeton National Bancorp?(PNBC) added 85.01% to top the?Nasdaq?(^IXIC), leaving shareholders happy they stayed in the stock.?Harvard meanwhile is harder than ever to get into?but?Mitt Romney may want to start admitting he went there with Obama, especially after?Crimson Exploration?(CXPO) surged 19.15%. The singularly misnamed?Best Buy?(BBY) slid 6.95%. The big box retailer now invariably finds itself mocked as ?Amazon?s (AMZN) showroom?, so to see a simultaneous?analyst initiation of the latter must have added insult to injury. LED manufacturer?Nexxus Lighting?(NEXS), was downgraded but actually ended up 1.23%; in a world where?Uncle Sam insists $50 is inexpensive for a light bulb,?their profit margins must be fat. And America experienced a bout of?Mega Millions mania ahead of tonight?s record jackpot. The odds of winning, 1 in 176 million, are considerably less than being struck by lightning but?hey, you never know. This morning in economics, we get March?s Chicago Purchasing Managers Index at 9:45 am Eastern, with the final figure for this month?s University of Michigan?s consumer sentiment survey following at 9:55 am. Today?s earnings announcements are expected to include?Birner Dental Management?(BDMS),?Finish Line?(FINL),?MFC Industrial?(MIL), and?Natuzzi SpA?(NTZ).
?
?
Initiations:
?
Lululemon Athletica?(LULU): Shares are begun with a Buy at UBS.
?
Peoples Bancorp?(PEBO): Keefe Bruyette establishes an Outperform rating and $21 price objective.
?
Beam Inc?(BEAM): The branded distilled spirits producer, a recent spin-off, is initiated with a Buy at Suntrust.
?
Casual dining:?Buffalo Wild Wings?(BWLD) is a new Equal Weight at Morgan Stanley, which begins?BJ Restaurants?(BJRI) at Overweight.
?
Commodity companies:?Pan American Silver?(PAAS) is begun with a Buy and $31 target price at Deutsche Bank, which has a Hold on?Hecla Mining?(HL).
?
REITs:?Kilroy Realty?(KRC) is resumed with a Sell at Cantor Fitzgerald amid an uncompelling current valuation. By contrast, the broker begins Buy rated coverage on Boston Properties?(BXP),?Brandywine Realty?(BDN), and?SL Green Realty?(SLG)
?
Steel stocks:?AK Steel?(AKS) is a new Neutral at Nomura, which begins Buys on rivals US Steel?(X), and?Steel Dynamics?(STLD).
?
Health plan providers:?Amerigroup?(AGP),?Molina Healthcare?(MOH), and Centene?(CNC) are all begun with Buys at Jefferies
?
Incyte?(INCY): INCY is initiated with a Buy at ThinkEquity.
?
Lufkin Industries?(LUFK): The oil and gas outfit launched with a Buy recommendation and $96 target at Dahlman Rose. They say if efficiencies are successful in 2012, there could be additional margin expansion.
?
United Natural Foods?(UNFI): Shares are started with a Sell and $33 target at Cantor Fitzgerald on concerns the rate of earnings appreciation has become somewhat decoupled from top-line growth trends.
?
Websense?(WBSN): The stock is initiated with a Market Perform at JMP Securities.
?
?
Upgrades:
?
Walt Disney?(DIS): The Dow member is upgraded to Buy from Neutral at Lazard.
?
Discovery Communications?(DISCA): Lazard lifts the company to Buy from Neutral.
?
Gap Inc?(GPS): The suddenly fashionable clothing company, which hit a 52-week peak on Monday, is boosted to Buy from Neutral at Janney Scott. The broker, who has a $33 target, sees evidence of product improvement with trend-right color and fashion items.
?
LinkedIn?(LNKD): The stock is lifted to Positive from Neutral at Susquehanna.
?
CPI Aerostructures?(CVU): CVU is upgraded to Buy from Hold at Capstone.
?
Vivus Inc?(VVUS): The company is upgraded to Buy from Hold at Brean Murray.
?
Wyndham Worldwide?(WYN): Shares are higher before the bell after getting upgraded to Buy from Neutral at Goldman Sachs.
?
?
Downgrades:
?
Accretive Health?(AH): AH is now Neutral from Outperform with a new lower target of $21 at Robert W. Baird, which cites the surprise loss of a large account,
?
France Telecom?(FTE): FTE is taken to Sell from Neutral at Citigroup.
?
InvenSense?(INVN): The company is cut to Perform from Outperform with a $15 objective at Oppenheimer.
?
Kindred Healthcare?(KND): KND is cut to Market Perform from Outperform with Wells Fargo
?
Raytheon?(RTN): RBC Capital reduces RTN to Sector Perform from Outperform.
?
Select Medical?(SEM): Shares are moved to Market Perform from Outperform with Wells.
?
U.S. Bancorp?(USB): The financial firm is downgraded to Market Perform from Outperform at BMO Capital.

No positions in stocks mentioned.

The information on this website solely reflects the analysis of or opinion about the performance of securities and financial markets by the writers whose articles appear on the site. The views expressed by the writers are not necessarily the views of Minyanville Media, Inc. or members of its management. Nothing contained on the website is intended to constitute a recommendation or advice addressed to an individual investor or category of investors to purchase, sell or hold any security, or to take any action with respect to the prospective movement of the securities markets or to solicit the purchase or sale of any security. Any investment decisions must be made by the reader either individually or in consultation with his or her investment professional. Minyanville writers and staff may trade or hold positions in securities that are discussed in articles appearing on the website. Writers of articles are required to disclose whether they have a position in any stock or fund discussed in an article, but are not permitted to disclose the size or direction of the position. Nothing on this website is intended to solicit business of any kind for a writer's business or fund. Minyanville management and staff as well as contributing writers will not respond to emails or other communications requesting investment advice.

Copyright 2011 Minyanville Media, Inc. All Rights Reserved.

Source: http://www.minyanville.com/trading-and-investing/stocks/articles/upgrades-downgrades-initiations-stock-market-analyst/3/30/2012/id/40160

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Friday, March 30, 2012

TJ Martell Foundation Teams Up With Auction Cause for Music ...

Los Angeles, Calif. (Vocus) May 14, 2010

The TJ Martell Foundation once again offers music and sports fans the opportunity of a lifetime to bid at their online charity auction event in conjunction with cause marketing auction management agency Auction Cause and the Universal Music Group. The auctions can be seen at http://tiny.cc/universalmusicstore with full descriptions of each below.

The auction listings end on May 15th and 16th and include the following items and experiences:

Miley Cyrus ?Breakout? Official RIAA Platinum Plaque

Celebrate Mileys First Debut Album

Own the platinum record plaque from Mileys first solo album which debuted in July 2008. This album went Platinum in October of 2008. The plaque is made out to the artist, Miley Cyrus, and the framing was provided by Ill-Eagle Enterprises.

About the Framing Company ? Ill-Eagle Enterprises (located in Little Falls, NJ) is the largest licensed manufacturer of Gold and Platinum Awards for the recording industry. Originally known as a designer and manufacturer of certified custom music awards, they also offer quality contract and custom picture framing to a variety of businesses.

Justin Bieber ?My World 2.0? Official RIAA Platinum Plaque

BIEBER FEVER!

Own Justin Biebers My World 2.0 platinum record plaque. This album was Justins first and was released in November 2009 and went platinum in the U.S. and Canada and Gold in the U.K. within a mere three months! The plaque is made out to the artist, Justin Bieber, and the framing was provided by Ill-Eagle Enterprises.

Apple Beatles Stereo USB & Beatles Mono Collection Box Sets

Exclusive Beatles Memorabilia For the Ultimate Fan!

If youre a Beatle-Maniac then you dont want to miss out on this hot item! Here is your chance to own unique Beatles memorabilia donated to the T.J. Martell Foundation by Apple Corp. in London, England! The Beatles Stereo USB contains the remastered studio recordings of all 13 original Beatles studio albums. The Beatles In Mono: The Complete Mono Recordings box set contains all 10 original mono albums digitally remastered.

Gibson Baldwin Epoch guitar

Autographed by members of Trans-Siberian Orchestra, 2009 Winter Tour program, two (2) tickets to a TSO 2010 Winter Tour show at the Izod Center in East Rutherford, NJ and a complete CD catalogue!

Rock Out with Trans-Siberian Orchestra!

This exclusive package is pure bliss for a Trans-Siberian Orchestra (TSO) fan! The winner will receive an autographed Gibson Baldwin Epoch guitar autographed by members of the Trans-Siberian Orchestra, their 2009 Winter Tour program, the complete catalogue of Trans-Siberian Orchestra CDs and two (2) tickets to their 2010 Winter Tour show at the Izod Center in East Rutherford, NJ. PLEASE NOTE: The exact date of the performance is yet to be determined. No travel, hotel accommodations or other expenses are included with the concert tickets.

12 hour Studio Session at the historic Electric Lady Studios in New York City!

Lay your tracks down at one of New York Citys most historic recording studios located in Greenwich Village. Past artists who have recorded at Electric Lady Studios include David Bowie (Young Americans album), Patti Smith (Horses album), Weezer (The Blue Album album) and Madonna to name a few. Your session will include an assistant engineer and a 12 hour recording session.

Visit http://www.electricladystudios.com for more information about the studio. PLEASE NOTE: Sessions are subject to studio availability, overtime is additional. Winner is responsible for the cost of outside rentals, tapes and additional engineer, if needed. Electric Lady Studios suggests that the winner call at least 3 months in advance for booking. Session is subject to emergency cancellation and will EXPIRE if not used by April 18th, 2011.

Costume worn by Britney Spears back up dancer during the encore of Womanizer on last years Circus Tour AND an autographed Britney Spears 8?10!

Calling all Britney Spears fans!

Two Britney items here! The first is a one-of-a-kind costume was worn by one of Britney Spears featured dancers during the encore of Womanizer on last years Circus Tour. Youll also take home an 8?10 photo autographed by Miss Brit herself!

Guitar Hero World Tour for Xbox 360 autographed by Daughtry

Hey, rock star! Perfect your riffs with Guitar Hero World Tour for Xbox 360. But this isnt any old video game its signed by Daughtry (Chris Daughtry, Josh Steely, Josh Paul & Brian Craddock)! Take this collectors item home to the place where it belongs, as Daughtry would say!

Epiphone Special II guitar in white autographed by Theory Of A Deadman Canadian rockers

Theory of a Deadman (also known as TOAD) are taking the world by storm, so dont miss your chance to win this Epiphone Special II guitar in white that the band autographed to benefit the T.J. Martell Foundations most successful Family Day ever!

Philadelphia Flyers hockey jersey autographed by Claude Giroux

Come fly with Claude Giroux!

This hockey jersey was autographed by the Philadelphia Flyers promising right winger Rookie of the Month! This is a must for true NHL fans.

BOB WEIR & FURTHUR Special Collectors Edition Artwork (Framed, print #30)

ABOUT THE PRINT ? To commemorate the FURTHUR appearance February 23rd and 24th, 2010 at Radio City Music Hall in New York City, Ioannis has created an edition of Fifty (40) fine art prints, plus ten (10) artists proofs from an original painting. Each image printed utilizes a seven-ink archival process on glossy pearl paper. Ioannis supervised the printing of each piece individually assuring the closest reproduction to the actual artwork. The prints are professionally matted and framed to archival standards. This limited edition print #30 is approved and individually hand-signed and numbered in pen by Ioannis, and Bob Weir. This special edition will be limited to these forty pieces only and not reproduced again. All artwork comes with a certificate of authenticity from DANGEROUS AGE GRAPHICSand, as 100% of all the proceeds are going to the TJ Martell Foundation. ABOUT THE ARTIST Since 1983, Greek-born artist Ioannis has created record cover artwork ? over 170 albums ? for some of the most legendary bands in the music industry. Some of the artist?s music-industry clients have included Universal Music, Sony Music, EMI and Virgin Music and he has worked with such acts as Deep Purple, Uriah Heep, Styx, The Allman Brothers Band, Blue Oyster Cult, Dream Theater, King Crimson, Yngwie Malmsteen, Biohazard, Sepultura, Lynyrd Skynyrd, Quiet Riot, Dokken, Johnny Winter, Extreme, UFO, The Tubes, Eddie Money, Van Zant, Saga, and many more. In 1994, he was one of 80 artists selected to create a mural at Woodstock II, and his works have been featured in many magazines, books and exhibitions worldwide. His design firm that he operates with his brother George, VIVID IMAGES CREATIVE ? also creates film posters, entertainment company ID programs for Radio, TV companies and shows, websites and viral campaigns for entertainment clients, while his art company ? DANGEROUS AGE GRAPHICS ? showcases, sells and promotes his original artwork, limited edition prints, merchandise, website, exhibitions and licensing (his original works have been selling recently in the $ 25 ? $ 50K range).

ABOUT BOB WEIR AND FURTHUR Furthur is a rock band founded in 2009 by former Grateful Dead members Bob Weir and Phil Lesh. The band?s lineup also includes John Kadlecik of the Dark Star Orchestra on guitar, Jeff Chimenti of RatDog on keyboards, Jay Lane of RatDog on drums, and Joe Russo of the Benevento/Russo Duo on drums. Mr. Weir has also kept busy as a social and environmental activist, supporting a number of great causes both actively an

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Source: http://jitnews.com/2012/03/29/tj-martell-foundation-teams-up-with-auction-cause-for-music-sports-online-charity-auction-via-the-universal-music-group-store/

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Exclusive: Hawker Beechcraft readies bankruptcy ... - Financial News

A pilot stands by his plane, a Hawker Beechcraft T-6C Texan II, during the second day of the Dubai Airshow

NEW YORK/WASHINGTON D.C. (Reuters) - Hawker Beechcraft Inc, the aircraft manufacturer owned by Goldman Sachs Group Inc's private equity arm and Onex Corp , is preparing to file for bankruptcy protection, according to people familiar with the matter.

Hawker, which was bought in 2007 for $3.3 billion by the private equity firms, is negotiating a prearranged bankruptcy with its largest lenders, which include Centerbridge Partners, Angelo Gordon and Capital Research & Management, the sources said.

Centerbridge, a New York-based investment firm focused on leveraged buyouts and distressed investments, is the biggest lender, the sources said.

Hawker and Onex declined to comment. Goldman Sachs and the lenders were not immediately available for comment.

These lenders would also likely provide debtor-in-possession (DIP) financing to allow Hawker to continue to operate in bankruptcy, the sources said. One of the sources said the DIP financing is currently expected to be less than $500 million, but cautioned the number has not been finalized and could change.

Goldman Sachs Capital Partners, the bank's private equity fund, and Canada's largest buyout firm, Onex, bought Raytheon Aircraft Co from Raytheon Co in early 2007, at the height of the buyout boom, and renamed it Hawker Beechcraft.

Hawker said on Tuesday it reached a deal with lenders that will provide a $120 million loan and defer the company's obligations to make certain interest payments.

This forbearance agreement, scheduled to expire at the end of June, would provide Hawker with more time to finalize the details of a pre-arranged bankruptcy with the main lenders, the sources said.

The company, which has been seeking to restructure debt as a soft economy and competition hurt demand for its business aircraft, hired turnaround specialist Steve Miller as chief executive officer earlier this year.

Perella Weinberg Partners and law firm Kirkland & Ellis LLP are the financial and legal advisers for Hawker.

Hawker Beechcraft's small and mid-sized business jets compete against models from rivals such as General Dynamics Corp's Gulfstream and Textron Inc's Cessna.

(Additional reporting by Nick Brown, Bill Cheung and Greg Roumeliotis in New York; editing by Phil Berlowitz and Andre Grenon)

Source

Source: http://finance.blogrange.com/finance-news/exclusive-hawker-beechcraft-readies-bankruptcy-filing-sources/

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Thursday, March 29, 2012

Human rights groups welcome Polish report on CIA prisons

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Source: http://news.yahoo.com/human-rights-groups-welcome-polish-report-cia-prisons-161345258.html

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Best Way To Get Cheap Car Insurance! | Best Auto Insurance

If ?ou ar? l?oking for cheap insurance coverage for your car, online auto insurance quotes c?n h?l? ??u compare plans and select th? one th?t is mo?t suitable f?r y?ur individual needs. With the growing number ?f vehicle mishaps thes? days, ?t ha? b?c?m? ? necessity t? hav? car insurance. In fact, m?st states hav? made it mandatory to hav? some form of vehicle insurance, if n?thing else, th?n at l??st th? basic third party coverage, so ?s t? cover ?n? collision damage ?r injury caused t? a th?rd party vehicle ?r person. As such, ?t b??omes n?ces?ary t? find th? best ??s??ble coverage plan ?t the most affordable rates.

How To Find Cheap Auto insurance?

With auto insurance quotes, finding cheap rates h?s b??om? relat?v?ly v?ry easy. There ?re ?ev?r?l insurance comparison websites ?n th? internet today, wh??h l?t you compare the quotes acr?s? differ?nt companies. All ?ou h?v? t? do ?? fill in y?ur personal details, y?ur vehicle details, ?our driving particulars and th? kind ?f coverage ??u ?re l??k?ng for. And based ?n th? information ??u provide, ??u will receive the quotes from v?rious d?ffer?nt companies w?thout ev?n having t? contact th?m individually.

How Does The Concept Work?

The idea b?hind ?uch insurance comparison websites is th?t th?y h?ve tie-ups with numerous insurance companies, who, on the ?th?r hand, get a platform f?r advertising th?ir services. These online auto insurance quotes make it p?s?ible for you to compare th? d?ffer?nt coverage plans and select wh??h on? i? most optimal f?r you, based ?n ??ur driving habits, age, living conditions and th? likes. They al?? l?t you compare the rates of similar plans offered b? differ?nt companies, so that ??u ?an select wh??h company to buy your vehicle insurance from. And all th?s from the comforts of ??ur ?wn home! What ??uld b? b?tt?r than that?

Say Goodbye To Insurance Agents!

With the growing availability ?f th??e quotes, ??u n? longer n?ed to meet insurance agents or call d?ff?rent insurance companies to g?t the details of the plans offered by them. Buying vehicle insurance i? ?? easy as buying an?thing ?ls? ?n th? internet today! And if ?ou have any confusion ?bout som?thing ?r ?f y?u ?r? unable to understand an? ?f th? technical terms us?d in th? details ?f th? coverage plan, mo?t insurance websites have online chat features that y?u can u?? t? clarify y?ur doubts. In thi? sense, online auto insurance quotes websites ??n al?? be considered v?r? mu?h l?ke insurance agents!

Source: http://www.franklin-township.org/best-way-to-get-cheap-car-insurance.html

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Monday, March 26, 2012

This week in The Slacktiverse, March 24/25 2012 (slacktivist)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/215397552?client_source=feed&format=rss

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Creating an Estate Planning Dream Team ? DAI Life Brokerage ...

Creating an Estate Planning Dream?Team

Image: Ambro / FreeDigitalPhotos.netA complete financial plan requires a proper mix of investments, insurance, tax planning and legal work. Because it is difficult ? even impossible ? to be competent and properly licensed in all these areas, professionals often take a team approach to financial planning. Financial advisors, accountants and attorneys each bring a unique perspective that can be beneficial to a client.

See also: 8 Estate Planning Mistakes to Avoid

Unfortunately, a team approach can often lead to scheduling conflicts, differences of opinion, ego battles or personality conflicts that can bog down the process and create frustration for everyone involved. The purpose of this article is to help readers improve their ability to work as a team in developing a sound financial plan for their clients.

As a financial planner and estate planning attorney, we?ve spent many years refining a team-oriented, cross-functional approach to advising clients. Here we?ve captured several typical situations that illustrate the need for better coordination between the advisors clients look to for help in building their financial future.

  1. A financial advisor spends considerable time and effort creating an investment policy statement and a diversified portfolio for a client to later discover that the client?s attorney or CPA disparages one or more product recommendations without understanding the financial planning that has taken place. A situation like this can lead to stagnation. Stagnation ? doing little or nothing ? is seldom good for the client.
  2. An attorney creates a legal structure and later discovers that the accountant is reporting the taxes inconsistent with the legal documents.
  3. A financial advisor recommends investments that would otherwise be appropriate but are not suitable within a certain legal structure. In this era where suitability is so critically important, working with an attorney can add an extra layer of oversight and protection.
  4. An attorney or CPA discusses investments or insurance without the education, training, licensing or proper perspective.
  5. A single professional provides advice in his or her area of practice while ignoring the other professionals? areas, leaving large gaps in the plan.
  6. A client attempts to save money by preparing his or her own tax returns or legal documents or investing in a manner that is unsuitable for his or her objectives and/or lacks proper diversification.

Building your team

The first and most important part of developing an effective team approach to financial planning is to select the right team members. Like they say in sports, the key to becoming a great coach is to find great players.

Great players are sought after because they fill a specific role, have the right experience and ability, and can fit together within the team. To help shed light on how the process works for building a team of advisors, the following are ideal characteristics that Ray, as a financial advisor, looks for in estate planning attorney partners:

  • Specializes in trusts and estate planning and has a reputation for doing customized work and staying up on the latest developments.
  • Will put a fence around his/her costs and not nickel-and-dime the client.
  • Is timely in action and will not drag the process out.
  • Is open to ideas and not egocentric.
  • Is honest, ethical and conservative in his or her recommendations.
  • Understands and appreciates the need for open discussion and is accepting of perspectives that are new or even different in order to accomplish the goals of the client.
  • Clearly delineates what the client can expect and the type of service that is offered.

The following are traits Lee, as an estate planning attorney, looks for in financial advisor partners:

  • Asks the right questions, listens attentively to the client?s objectives and gives advice based on a written plan that describes how the plan meets the objectives.
  • Takes a holistic approach to financial planning; understands the big picture; addresses the entire situation and not only a part of the client?s financial situation.
  • Recommends a product mix based on the client?s wishes and the client?s best interest, not the planner?s preferred products or the highest-commission products.
  • Is willing to spend time educating the client about the issues, helping the client understand the plan and helping the client organize documents pertaining to the financial plan.
  • Does not try to be the attorney and give legal advice.
  • Is open to learning new ideas and developments.
  • Understands and appreciates the need for open discussion among advisors and is respectful of the opinions of other advisors and their unique perspectives.
  • Is willing to question other advisors or give contrary input (in private) when something doesn?t appear to be appropriate for a particular client.
  • All fees must be transparent.

The following is what we both look for in a CPA:

  • Not a ?yes? man. We want a CPA who will share an honest opinion and who is willing say ?no? to a client when appropriate.
  • On the other hand, we don?t want to work with a CPA who says ?no? to everything or tries to be the expert in other disciplines. We want a CPA who respects the opinions of other professionals (especially on matters in their own discipline) and is willing to discuss ideas with an open mind.
  • We look for a CPA who is proactive in planning and issue-spotting for clients ? and in bringing in other professionals when appropriate ? rather than simply reporting a client?s taxes.
  • Naturally, we look for a CPA who is willing to be a team player.

Working as a team

In addition to these qualities, it is critical that all team members be committed to following through on assignments, plans and actions.

When advisors have a significant difference of opinion, it is important that they discuss it together in private rather than in front of a client. Although we each owe the ultimate duty of loyalty to the client, we should respect team members by addressing differences with them rather than going behind their backs.

Think about the financial team like you would a basketball team. At first glance, the athletes don?t look that different. As you watch them play as a team, however, you see the different talents and roles each member has on the team. The point guard starts the process and makes the team go. The power forward provides toughness and rebounds. The slashing scorer puts the numbers on the board. But put the ball in the hands of the power forward in the wrong part of the court or ask the point guard to go get all the rebounds, and the results are usually not that successful.

In our experience, it is best for the financial advisor to be the point guard of the team. The point guard typically spends more time talking to the coach (client) and carrying out his or her wishes.

This is how Ray explains it to the client:

  • The financial advisor is the go-to person for all financial issues.
  • The financial advisor will introduce the client to the other professionals that are needed and help him or her navigate through all of the financial mazes that he or she needs to go through, always with his or her best interest at heart.
  • The financial advisor is not charging the client an hourly rate, so he or she can spend a little more time (with less pressure) in gathering information, organizing information, preparing for meetings with the attorney and CPA, and making sure things get done.
  • It is important to have three key, trusted advisors working together to help create estate and financial strategies.

Like on the court, each key advisor has an area of experience he or she brings to the table. We don?t believe it is possible for one person to be a knowledgeable professional in more than one of these disciplines. By working together and playing our positions, we create appropriate checks and balances to significantly decrease the chances of any missteps.

This is the winning formula for success in preparing your client for the future, and that?s more important than any other game he or she will play. After all, there is no ?I? in team.

By Raymond W. Johns, RFC, and Lee S. McCullough III?for LifeHealthPro

Ray Johns, RFC, works for Allegis Financial Partners in Orem, Utah. He started in the life insurance business in 2000, qualified for the MDRT his first year and has been an active member ever since, including qualifying for Court of the Table. He has also qualified every year for the prestigious Century Club. Registered representative of and securities offered through OneAmerica Securities Inc., member FINRA, SIPC, a registered investment advisor. Insurance representatives of America United Life Insurance Company (AUL) and other insurance companies. Allegis Financial Partners is not an affiliate of OneAmerica Securities or AUL and is not a broker-dealer or a registered investment advisor.

Lee S. McCullough III received a master of accountancy degree from Brigham Young University and a Juris Doctorate degree from the J. Reuben Clark Law School at BYU, where he graduated magna cum laude. In addition to his private law practice, Lee works as an adjunct professor at the law school at BYU and is a former president of the Utah Valley Estate Planning Council. Lee McCullough is not affiliated with Allegis Financial Partners, AUL or OneAmerica Securities.

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Filed under DAI, DAI Life Brokerage Services, LifeHealthPro ? Tagged with Business, Certified Public Accountant, DAI, DAI Life Brokerage Services, Dworkin Associates, Dworkin Associates Inc, estate planning, Financial adviser, Financial Plan, Financial Planning, Financial Services, Investment

Source: http://dworkinassociates.wordpress.com/2012/03/25/creating-an-estate-planning-dream-team/

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Sunday, March 25, 2012

Game show host Bob Barker pays elephants' airfare

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Source: http://news.yahoo.com/game-show-host-bob-barker-pays-elephants-airfare-213151753.html

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Friday, March 23, 2012

Anxiety boosts sense of smell

ScienceDaily (Mar. 22, 2012) ? Anxious people have a heightened sense of smell when it comes to sniffing out a threat, according to a new study by Elizabeth Krusemark and Wen Li from the University of Wisconsin-Madison in the US.

In animals, the sense of smell is an essential tool to detect, locate and identify predators in the surrounding environment. In fact, the olfactory-mediated defense system is so prominent in animals, that the mere presence of predator odors can evoke potent fear and anxiety responses.

Smells also evoke powerful emotional responses in humans. Krusemark and Li hypothesized that in humans, detection of a particular bad smell may signal danger of a noxious airborne substance, or a decaying object that carries disease.

Their work is published online in Springer's journal Chemosensory Perception. The study is part of a special issue of this journal on neuroimaging the chemical senses.

The researchers exposed 14 young adult participants to three types of odors: neutral pure odor, neutral odor mixture, and negative odor mixture. They asked them to detect the presence or absence of an odor in an MRI scanner. During scanning, the researchers also measured the skin's ability to conduct electricity (a measure of arousal level) and monitored the subjects' breathing patterns. Once the odor detection task was over, and the subjects were still in the scanner, they were asked to rate their current level of anxiety. The authors then analyzed the brain images obtained.

They found that as anxiety levels rose, so did the subjects' ability to discriminate negative odors accurately -- suggesting a 'remarkable' olfactory acuity to threat in anxious subjects. The skin conductance results showed that anxiety also heightened emotional arousal to smell-induced threats.

The authors uncovered amplified communication between the sensory and emotional areas of the brain in response to negative odors, particularly in anxiety. This increased connectivity could be responsible for the heightened arousal to threats.

Krusemark and Li conclude: "This enhanced sensory-emotional coupling could serve as a critical mechanism to arouse adequate physiological alertness to potential insults."

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The above story is reprinted from materials provided by Springer.

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Journal Reference:

  1. Elizabeth A. Krusemark, Wen Li. Enhanced Olfactory Sensory Perception of Threat in Anxiety: An Event-Related fMRI Study. Chemosensory Perception, 2012; 5 (1): 37 DOI: 10.1007/s12078-011-9111-7

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

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/jqh8AEc7m9g/120322100317.htm

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Clean Energy Stocks -News and Commentary in Cleantech ...

NEWPORT BEACH, Calif. - March 22, 2012 (Investorideas.com renewable energy newswire) BUYINS.NET, http://www.buyins.net, a leading provider of Regulation SHO compliance monitoring, short sale trading statistics and market integrity surveillance, has initiated coverage on Salamon Group (OTCQB: SLMU) after releasing the latest short sale data through March 20, 2012. The total aggregate number of shares shorted since March 2010 is approximately 35.25 million shares. Approximately 47.15% of daily trading volume is short selling. The SqueezeTrigger price for all (OTC:SLMU.PK) shares shorted is $.1767. A short squeeze has begun as SLMU is above the $.1767 SqueezeTrigger Price.
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Friction Factor calculates if a fair market is being made in the shares of SLMU. 54% of the previous 37 trading days have been positive or bullish-biased and 46% have been negative or bearish-biased.
Regulation SHO requires bona-fide market-making activities to include making purchases and sales in roughly comparable amounts. The Commission has stated that bona-fide market-making DOES NOT include activity that is related to speculative selling strategies or investment purposes of the broker-dealer and is disproportionate to the usual market making patterns or practices of the broker-dealer in that security. Likewise, where a market-maker posts continually at or near the best offer, but does not also post at or near the best bid, the market-maker's activities would not generally qualify as bona-fide market-making. Moreover, a market-maker that continually executes short sales away from its posted quotes would generally not be considered to be engaging in bona-fide market-making.
BUYINS.NET monitors SLMU market-makers daily for compliance with Fair Market-Making Requirements.
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BUYINS.NET is not a registered investment advisor and nothing contained in any materials should be construed as a recommendation to buy or sell any securities. SLMU has paid $1,666 per month to purchase data to be provided in twelve monthly reports. SLMU has not approved the statements made in this release. Please read our report and visit our web site, http://www.buyins.net, for complete risks and disclosures.
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Published on Investorideas.com newswire
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Disclaimer: Our sites do not make recommendations. Nothing on our sites should be construed as an offer or solicitation to buy or sell products or securities. We attempt to research thoroughly, but we offer no guarantees as to the accuracy of information presented. All Information relating to featured companies is sourced from public documents and/ or the company and is not the opinion of our web sites. This site is currently compensated by featured companies, news submissions and online advertising. www.InvestorIdeas.com/About/Disclaimer.asp. Disclosure: SLMU is a paid customer on Investorideas,com , publishing press releases and company content on Investorideas.com and our syndicated blogs and global partners effective March 14 ,2012 (three months: one thousand per month and nine thousand equivalent in 144 shares)
BC Residents and Investor Disclaimer : Effective September 15 2008 - all BC investors should review all OTC and Pink sheet listed companies for adherence in new disclosure filings and filing appropriate documents with Sedar. Read for more info: http://www.bcsc.bc.ca/release.aspx?id=6894

Source: http://cleanenergynews.blogspot.com/2012/03/solar-news-buyinsnet-issues-salamon.html

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Thursday, March 22, 2012

asics ? Blog Archive ? marc jacobs wallets Recreation and Sports ...

Seeing as how every other ?good cause? on Earth has saw apt fundraising wristbands as a fundraising accident why shouldn?t you and your cheerleading squad? Several annuals ago you couldn?t depart the house without looking someone with a yellow wristband. It appeared favor ?Live Strong? wristbands,uggs shop, amongst others,prada tote, were creature sold everywhere - 7-Eleven,orange griffeys, the regional grocery storage sporting merchandise stores,marc jacobs wallets, restaurants- you nominate it. Wristbands are a stylish and affordable access as cheerleaders apt heave money and promote school morale Here?s one means to starting your own wristband movement namely longing heave some solemn money for your cheerleading squad.
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Launching a product on the Internet can be a daunting task whether you?re never educated on the basics of how to successfully generate an online hum Today I?m going to cater you with a basic strategy to emulate when launching your product online. There are much additional ways to obtain your product out there only these are the basics,karen millen black lace dress, so let?s begin here 1st Are you prepared Ok,brian moorman jersey,peerless let?s get busy the basics of how apt produce that buzz and successfully launch your production online.

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New genetic path for scleroderma

Tuesday, March 20, 2012

A genetic pathway previously known for its role in embryonic development and cancer has been identified as a target for systemic sclerosis, or scleroderma, therapy. The finding, discovered by a cross-disciplinary team led by John Varga, MD, John and Nancy Hughes Distinguished Professor of Rheumatology at Northwestern University Feinberg School of Medicine, was recently published in the journal Arthritis & Rheumatism.

"We showed, for the first time, that the Wnt signaling pathway is abnormally activated in scleroderma patients," said Varga, who is also a physician at Northwestern Memorial Hospital. "This is significant for three reasons. First, it gives a better picture of scleroderma and fibrosis in general. Second, it provides a strategy for assessing disease severity, progression, and activity. And third, it opens a door for the design of treatments that aim to block the Wnt pathway and restore its normal controlled activity."

Varga's laboratory collaborated with a pulmonary team at Northwestern, along with teams at Case Western Reserve University and Dartmouth University on the discovery.

Researchers studied skin and lung biopsies from scleroderma patients and found that the Wnt pathway was 'turned on', in contrast to healthy individuals where the pathway was 'turned off.' Varga said this activation may be due to loss of Wnt inhibitors that normally serve as 'brakes' on the pathway to prevent its activation.

The team also examined what the pathway does using fibroblasts and stem cells from healthy people. They found Wnt causes fibroblast activation and blocks the development of fat cells (adipocytes), which directly contribute to scar formation and tissue damage seen in scleroderma.

Scleroderma is a chronic autoimmune disease in which the body's immune system attacks itself. It causes progressive thickening and tightening (fibrosis) of the skin and also can lead to serious internal organ damage and, in some cases, death. Scleroderma affects an estimated 150,000 people in the United States, most frequently young to middle-aged women.

"Scleroderma is a complex and poorly understood disease with no cure," said Varga. "Our findings suggest that treatments targeting the Wnt signaling pathway could lead to an effective treatment."

Varga said Northwestern researchers next plan to conduct multi-center preclinical studies to evaluate treatments that block the Wnt pathway in animal models and measure Wnt activity in additional scleroderma biopsies to see if it can be clinically useful as a biomarker.

###

Northwestern University: http://www.northwestern.edu

Thanks to Northwestern University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/118551/New_genetic_path_for_scleroderma_

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Wednesday, March 21, 2012

French police ready to storm building for suspect

TOULOUSE, France (AP) ? French police were preparing to storm an apartment building in Toulouse on Wednesday to arrest a holed-up gunman who is suspected in seven killings and claiming allegiance to al-Qaida, a top police official said.

Three officers were wounded in a predawn raid while trying to arrest the 24-year-old Frenchman of Algerian descent who authorities said had spent time in Afghanistan and Pakistan. Hundreds of riot police have surrounded the building in the southwestern city.

Cedric Delage, regional secretary for a police union, said the suspect has promised to turn himself into police shortly. Delage said if that doesn't happen, police will force their way in.

The gunman is suspected of killing three Jewish children, a rabbi and three French paratroopers in recent days.

The suspect has told police he belonged to al-Qaida and wanted to take revenge for Palestinian children killed in the Middle East, Interior Minister Claude Gueant said, adding the man was also angry about French military intervention abroad.

An Interior Ministry official identified the suspect as Mohamed or Mohammad Merah, who has been under surveillance for years for having "fundamentalist" views. The official spoke on condition of anonymity because the investigation is ongoing.

After hours of trying to persuade him to surrender, police evacuated the five-story building, escorting residents out using the roof and fire truck ladders.

The raid was part of France's biggest manhunt since a wave of terrorist attacks in the 1990s by Algerian extremists. The chase began after France's worst-ever school shooting Monday and two previous attacks on paratroopers, killings that have horrified the country and frozen the campaigning for the French presidential election starting next month.

French President Nicolas Sarkozy has said a "monster" was on the loose in France and vowed to track him down. Sarkozy has played up nationalist themes in his bid for a second term.

French authorities said the suspect threw a Colt .45 handgun used in each of the three attacks out a window in exchange for a device to talk to authorities, but has more weapons like an AK-47 assault rifle. Gueant said other weapons had been found in the suspect's car.

The suspect "said he wants to avenge the deaths of Palestinians," Gueant told reporters, adding that he is "less explicit" about why he killed French paratroopers. The paratroopers were of Muslim and French Caribbean origin, but the interior minister said the suspect told them the ethnic origin has nothing to do with his actions.

"He's after the army," Gueant said.

There was some confusion over the suspect's background, because a person of the same name was arrested in southern Afghanistan five years ago and escaped from his prison cell in Kandahar province in a 2008 mass jailbreak, according to Kandahar provincial spokesman Ahmad Jawed Faisal. However, Faisal says their records also show that Merah was an Afghan citizen from Kandahar province.

In neighboring Germany, which regularly tracks extremists who head to Afghanistan or Pakistan for paramilitary training, a senior intelligence official told the AP that he had never seen the name "Mohammad Merah" come up. He spoke on condition of anonymity because he was not authorize to discuss the issue.

Police swept in soon after 3 a.m. (0200 GMT; 10 p.m. EDT Tuesday) on the residential neighborhood in Toulouse where the suspect was holed up. At one point, volleys of gunfire were exchanged.

The suspect promised several times to surrender in the afternoon, then stopped talking to negotiators, Gueant said. In the early afternoon, he resumed talking, a police official said.

"Terrorism will not be able to fracture our national community," Sarkozy declared Wednesday on national television before heading to the funeral services for two paratroopers killed and another injured in nearby Montauban. He later traveled to Toulouse.

The series of attacks ? every four days since March 11 ? began with the killing of another paratrooper in Toulouse.

"The main concern is to arrest him, and to arrest him in conditions by which we can present him to judicial officials," Gueant said, explaining authorities want to "take him alive ... It is imperative for us."

A judicial official said the suspect's mother, brother and a companion of the brother were detained for questioning. The official spoke on condition of anonymity because he wasn't authorized to speak publicly.

Gueant said the suspect's brother "is also engaged in the Salafi ideology," a reference to a fundamentalist interpretation of Islam.

The building where the raid is taking place dates from the 1960s. The suspect's apartment is on the ground floor, said Eric Lambert, whose son lives in the building. Lambert said the suspect helped his son move into the building a few months ago.

Delage said a key to tracking the suspect was the powerful Yamaha motorcycle that he has used in all three attacks ? a dark gray one that had been stolen March 6. The frame was painted white, the color witnesses saw in the school attack.

According to Delage, one of the suspect's brothers went to a motorcycle sales outfit to ask how to modify the GPS tracker, raising suspicions. The vendor then contacted police, Delage said.

The shooter has proved to be a meticulous operator. At the site of the second paratrooper killing, police found the clip for the gun used in all three attacks ? but no fingerprints or DNA on it.

The first French paratrooper killed was shot March 11 after posting an announcement online to sell his motorcycle and investigators believe the gunman responded and lured the paratrooper into an isolated place to kill him.

The schoolchildren killed, all of French-Israeli nationality, were buried in Israel on Wednesday as relatives sobbed inconsolably. The bodies of Rabbi Jonathan Sandler, his sons Arieh, 5, and Gabriel, 3, and 8-year-old Myriam Monsenego had been flown there in the day.

At the funeral ceremony in Jerusalem, Myriam's eldest brother, Avishai, in his 20s, wailed and called to God to give his parents the strength "to endure the worst trial that can be endured."

In the name of the four remaining Monsenego children, he urged his father and mother to "keep going, keep going, keep going."

Meanwhile, Palestinian Prime Minister Salam Fayyad denounced the deadly shooting attack and condemned the link to Palestinian children.

"It's time for criminals to stop using the Palestinian cause to justify their terrorist actions," Fayyad said in a statement. "The children of Palestine want nothing but dignified lives for themselves and for all the children."

___

Elaine Ganley, Thomas Adamson, Jamey Keaten, Ingrid Rousseau, Cecile Brisson and Sylvie Corbet in Paris contributed to this report.

Source: http://news.yahoo.com/french-police-ready-storm-building-suspect-134144591.html

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Artist Treats San Francisco Beach Like Enormous an Etch-A-Sketch [Video]

Bay Area landscape artist Andreas Amador employs San Francisco's beaches as a canvas for his artistic vision—creating and photographing large-scale organic designs, like an gigantor zen garden. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/d3-Vof8ihVQ/

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Tuesday, March 20, 2012

Franchise Lawyers ? Looking up for a Franchise Business | Buying ...

Most of the successful franchise business has begun with the enthusiasm of an entrepreneur. They think and developed businesses and refine products and services over time to spread out their business.

But generally the growth is limited with the single entrepreneur so the franchise came into the picture to expand the business in your country and throughout the world. In which Franchisor allows the licenses to operate the business with the same brand name and they get the royalty and share of profit in exchange of it. The selection of the right partner could lead to the height of success. ?
You can find partner on the website like iFranchise Group from your place to expand your brand.

Research a franchise online

You just type franchise in the google and you will find more than 50 million views there.

That seems the growth of franchising which means choosing a franchise business could be a great deal for entrepreneur.

What are the best sources and whom you can trust well and what type of franchise business is available into the market, which will suit to your requirement, what are the criteria for the franchise. You will get the answers of all the questions over the web by just typing franchise as the keyword on google. There are lot of websites are available which can assist you.

Obtain the franchise legal advices

Once you decided to be into the franchise business then the best way to learn about it and the pros and cons of it. You must consult with the Franchise Lawyers because they have their experience and the knowledge of all legal issues related to franchisees. They can even assist you to find the better one for you according to your needs and the budget.

The fees of franchise lawyers are vary over country so you do not need to worry about it. But actually it is required for any franchisee or the franchisor to avoid any kind of Franchise Disputes in future. They help you to drafting the franchise agreement and in negotiating the deal on certain clauses mentioned in the agreement.

Financing a franchise

Financing a franchise can be a challenge for first time franchises. After recession in 2008, most of the banks and financiers are not ready to finance the franchisees. So it affected negatively on franchise business because it takes too much time compares to previous scenario.But still there are lot of financier available. You can search the list of them on the website but first of all you have to be sure enough about the success of the trade, because it is important for the finance of the trade. Yes the Franchise Lawyers can help you in finance with his ability and the fair documentation.

So the overall summary of this article is that while setting your mind to set up a franchise business or franchising your existing business you must be sure enough on certain factors associated with the franchise business.
?

Source: http://www.buyingintentions.com/?p=1192

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How to Grow Your Email List in Unusual Ways | Internet Marketing ...

Home ? Internet marketing

Written By: Carrol Hogan?on?March 18, 2012 4 Comments

Building an email list is a proven strategy for creating a sustainable online business with repeat customers. Compared to website or blog visitors, your mailing list is a much warmer market, as you know that everyone on it has gone out of their way to sign up. Assuming that you?re convinced that having a list is important, what are the most efficient methods for growing your email list? List building can take many forms, and there are many creative methods that aren?t used very often. In this article we are going to teach a few of those methods to you.

Create a special club just for people who sign up for your email list. You can give them list-specific discounts on purchases and products. It?s always a good policy to send birthday greetings and gifts, so be sure to capture that info. It only takes a little creativity to think of ways to make your list seem interesting and worthwhile. A club is something many people will want to join, which will make it easy to get sign-ups for your list. Many people are drawn to clubs that give them special privileges. Play on that need and use it to build your email list.

Don?t ignore the potential of standard mail. We do so much business online these days that we often forget that there is a whole wide world out there where people still do business face to face and with actual physical products. Consider sending any piece of mail directly to your customers, like a postcard or a flier. Another option is to send prospects a general mailer with your services. There are many approaches to achieve this. Simply ensure the URL of your site is featured on the material and watch as your list grows as more and more people want to obtain what you mail out.

Offer to send a free gift directly to people who have signed up for your list. This isn?t the same as many giveaways. Most people receive a free eBook or report or something digital as an incentive when they sign up for a list.

Business cards are mainly used to drive traffic to sites and the site is used to convince visitors to subscribe. Why not skip that step? Business cards have plenty of space available on them. You could entice people with a special offer on the back for those who subscribe to your list. Discounts on future purchases, gifts, contest entries and more are just a few of the things you can use to entice them with. This approach will allow you to increase the number of people signing up but it?s also a good way to identify where those subscribers are coming from. Go to niche-centric trade shows. With a clipboard in hand, meet people and connect with them and then ask them to subscribe. This method allows you to grow your network and your list of subscribers concurrently. Some show organizers might not be too pleased that you don?t have a booth, yet are still trying to do business, so be careful. You?ll be expanding your email list as well as the one with real-world contacts concurrently if the organizers are okay with it. Host an event for other local business owners that relate to your niche. Such events can be organized at any location. You can rent virtually any space, from an art gallery to a retail establishment. Sell tickets to the event if you want to recover the money you paid for renting the place. Make sure that there?s an opt-in sheet at the entrance and make attendance free if you really want to see your list grow. If your "sign in" sheet coincides with your "sign up" sheet, you?ll get even more subscribers. There are many ways for you to create and grow an email list. Why not let your imagination run wild? If one idea proves less than effective, then you can simply replace it with another strategy. You want a list of people who like your ideas and want more from you, including to buy your products. This is where your real profits will come from. So get out there and get to work!

We advocate you head about to Affiliate Revolution bonus and Commission vantage to get way more world wide web marketing and marketing concepts.

Tags: Internet marketing

Source: http://articles.buildabetterbusinessonline.com/how-to-grow-your-email-list-in-unusual-ways/

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Working out in the early hours

NEW YORK (Reuters) - Night owls, insomniacs, shift workers and other denizens of the dark are finding less need to fit their workout time into the nine-to-five world.

More gyms are remaining open round the clock, experts say, spurred by advances in surveillance and security technology, clients' ever more fluid work habits and a generation of multi-tasking consumers.

"A lot of people work untraditional times and they take advantage of clubs open at all hours," said Carl Liebert, CEO of 24 Hour Fitness, an international chain of health clubs, most of them open around the clock.

Liebert said his 30-year-old chain has seen an increase in after-hours traffic, with five to 15 percent of clients, depending on location, working out between midnight and 5:00 a.m.

"I think people have changed," he said. "They're online; they're connected day and night. When I grew up I went to bed at night and got up in the morning. Between those times I wasn't multitasking."

Liebert said common night visitors include people who work out to relieve stress, insomniacs, and hard-core fitness fanatics who wouldn't miss a workout and prefer a gym less crowded.

The number of health clubs open 24 hours has soared from just couple hundred five years ago to more than 2,000 today, according to IHRSA, the International Health, Racquet & Sportsclub Association, a trade association of fitness facilities.

Spokesperson Meredith Poppler said while most club goers still work out during regular hours, technology has enabled small, often rural, clubs to operate overnight, and sometimes unstaffed.

"Cameras on the doors, cameras in the clubs, safety buttons each member carries set them apart," said Poppler. "Many of the operators are in the clubs at certain times of days, but other times the clubs are truly unstaffed."

Access is granted via a swipe card or key fob.

Poppler said the largest franchising company of 24-hour key clubs is Anytime Fitness, based in Hastings, Minnesota.

Earlier this year the chain reported that late-night workouts from midnight to 3:00 a.m. totaled 1.2 million in 2011, up from 900,000 the previous year.

"Anytime Fitness finds that 24/7 access caters to everyone from your typical night owls, to doctors and nurses, and other public service officials who work odd hours," said spokesperson Tara Dosh.

Liz Neporent, spokesperson for the American Council on Exercise, belongs to a 24-hour gym in New York City.

She said physiologically it doesn't matter when you choose to work out, although some studies suggest that morning exercisers may be more likely to stick with their program. More important is finding a time that's convenient.

Neporent, who has experience operating health clubs, said while she prefers to see staff on duty at night, sometimes it's not economically feasible.

"A lot of residential gyms in apartment buildings are lightly manned or unmanned," she said, adding that for turnkey gyms, cameras are a must.

Neporent said when she does hit the gym at 3:00 a.m., the crowd's different.

"At 6:00 a.m. you get the professionals going to work. Late morning you see a lot of stay-at-home moms. Overnight I tend to see more creative types," she said. "More piercings, more tattoos. I have met interesting people at three or four in the morning."

(Reporting by Dorene Internicola; editing by Patricia Reaney)

Source: http://news.yahoo.com/working-early-hours-051112588.html

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