California-based equity firm buys Iowa company

CLIVE, Iowa --?

A California-based private equity firm has bought an Iowa company that produces breath-alcohol monitoring devices.

The Des Moines Register reports (http://dmreg.co/M5wWnc) that Consumer Safety Technology says the purchase by ClearLight Partners, of Newport Beach, Calif., will provide the capital the Clive company needs to expand. It has about 145 employees nationwide.

Consumer Safety Technology CEO Dave Arringdale says ClearLight understands "what it takes to make these things work, and they are willing to invest in and support us."

Financial terms aren't being disclosed.

Consumer Safety Technology makes Intoxalock products. They include home monitors that people use voluntarily and auto ignition locks that courts require of some people convicted of drunken driving.

Source: http://www.enquirerherald.com/2012/07/23/1977397/california-based-equity-firm-buys.html

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GuideLight RP

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Obama heading to visit shooting victims, families

(AP) ? President Barack Obama will travel to Colorado on Sunday to visit with victims of the movie theater shooting and their families.

White House communications director Dan Pfeiffer announced plans for the trip on Saturday night. Aides say the trip will also include meetings with state and local officials.

In his weekly radio address, Obama called for prayer and reflection on the shooting rampage in Aurora, Colo., which claimed 12 lives. He urged Americans to embrace the families who lost loved ones in Aurora and to "let them know we will be there for them as a nation."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-07-21-Colorado%20Shooting-Obama%201st%20Ld/id-b6a7aa2cd16d49caab6b455759686bb1

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BT WHS ? Free satellite tv

Posted on July 21, 2012 with No Comments

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Source: http://www.btwarehousesale.com/2012/07/21/free-satellite-tv/

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Oil above $91 in Europe for first time since May

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Source: http://news.yahoo.com/oil-above-91-europe-first-time-since-may-124203811--finance.html

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Exclusive: Labor Dept looking into JPMorgan stable value fund

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Source: http://news.yahoo.com/exclusive-labor-dept-looking-jpmorgan-stable-value-fund-004854840--sector.html

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Morgan Stanley closes a bleak bank earnings season

FILE- In this Nov. 8, 2010, file photo, James P. Gorman, president and CEO of Morgan Stanley, appears at the Securities Industry and Financial Markets Association "Invested in America" annual meeting, in New York. Morgan Stanley, the storied investment bank, reported Thursday, July 19, 2012, that its revenue was down sharply for April through June and its profit missed Wall Street expectations. The report capped a dismal season for the banking industry. This spring was marked by choppy financial markets, concern across the global economy, awkward adjustments to new regulations and one scandal after another. (AP Photo/Richard Drew, File)

FILE- In this Nov. 8, 2010, file photo, James P. Gorman, president and CEO of Morgan Stanley, appears at the Securities Industry and Financial Markets Association "Invested in America" annual meeting, in New York. Morgan Stanley, the storied investment bank, reported Thursday, July 19, 2012, that its revenue was down sharply for April through June and its profit missed Wall Street expectations. The report capped a dismal season for the banking industry. This spring was marked by choppy financial markets, concern across the global economy, awkward adjustments to new regulations and one scandal after another. (AP Photo/Richard Drew, File)

FILE-In this June 13, 2012, file photo, JPMorgan Chase CEO Jamie Dimon, head of the largest bank in the United States, testifies on Capitol Hill in Washington, before the Senate Banking Committee about how his company recently lost more than $2 billion on risky trades. Morgan Stanley, the storied investment bank, reported Thursday, July 19, 2012, that its revenue was down sharply for April through June and its profit missed Wall Street expectations. The report capped a dismal season for the banking industry. This spring was marked by choppy financial markets, concern across the global economy, awkward adjustments to new regulations and one scandal after another. (AP Photo/J. Scott Applewhite, File )

FILE- In this Tuesday, June 19, 2012, file photo, Jamie Dimon, CEO of JPMorgan Chase, testifies before the House Financial Services Committee on Capitol Hill in Washington. Morgan Stanley, the storied investment bank, reported Thursday, July 19, 2012, that its revenue was down sharply for April through June and its profit missed Wall Street expectations. The report capped a dismal season for the banking industry. This spring was marked by choppy financial markets, concern across the global economy, awkward adjustments to new regulations and one scandal after another. (AP Photo/Jacquelyn Martin, File)

(AP) ? It's tough being a big bank these days.

Morgan Stanley, the storied investment house, reported Thursday that its revenue was down sharply for April through June and its profit missed Wall Street expectations. Its stock was clobbered ? down more than 5 percent.

The report capped a dismal season for the banking industry. This spring was marked by choppy financial markets, concern about the world economy, awkward adjustments to new regulations and one scandal after another.

"It was a tough quarter, and a disappointing quarter," Morgan Stanley CEO James Gorman said.

Of the country's six megabanks, only Wells Fargo, which brags about relying on plain-vanilla ways of making money, like taking deposits and making loans, was able to pull in more revenue than it did a year ago.

JPMorgan Chase was the only one of the Big Six that didn't slash jobs, but it had its own black eye ? a surprise trading loss that ballooned to almost $6 billion and embarrassed CEO Jamie Dimon.

For Morgan Stanley, the embarrassment was the stock market debut of Facebook in May. Leading the public offering was supposed to be a coup for the bank, but instead it brought angry clients, regulatory investigations and lawsuits.

The headaches are still piling up for banks. In late June, Moody's slashed the debt ratings for every megabank except Wells Fargo. The following week, the British bank Barclays admitted that it had tampered with a critical global interest rate.

So far, the rate-fixing fallout has been contained to Barclays. But Bank of America, Citigroup and JPMorgan also help set the interest rate in question and are all but certain to face inquiries from regulators.

The bleak spring emphasizes the long shadow of the financial crisis, now almost four years behind the banks. They are still working out how to be successful in an environment of tougher regulation and public outrage.

"We don't see much relief coming soon, and it's forcing a lot of banks to say, 'You know, this is more than what we can ride through, this is more than just temporary,'" said Bert Ely, a banking consultant in Alexandria, Va.

He said banks have decided that they must "get more serious about cost-cutting and getting out of businesses that they don't make much money in."

Together, Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo slashed nearly 24,000 jobs over the year, or about 2.6 percent of their total work force.

The sharpest cuts were at Goldman Sachs, which shed 9 percent of its jobs, Morgan Stanley, which cut 6 percent, and Bank of America, which cut 4 percent.

Morgan Stanley also said Thursday that it spent 21 percent less on compensation and benefits. It's bringing in smaller classes of trainees and moving people who don't need to be in New York to cheaper cities like Baltimore.

By contrast, smaller regional banks with more traditional business models have done well. On Thursday, BB&T Corp. of North Carolina and Fifth Third Bancorp. both reported healthy earnings growth, primarily because they issued more mortgages.

Morgan Stanley stock closed down 74 cents, or 5.3 percent, at $13.25 on Thursday. When Gorman took over in January 2010, and as recently as February 2011, the stock was above $30.

Like other banks, Morgan Stanley is expanding in steadier, fee-based businesses like advising individuals on how to invest their money.

Investment banking, on the other hand, can offer spectacular gains in good times but is riskier in a weak economy, and regulations are trimming what investment banks can do to make money anyway.

At Morgan Stanley, overall revenue fell 24 percent, to $7 billion from $9.2 billion. Results were worst in investment banking, where revenue plummeted 37 percent. The bank did less business in trading and selling stocks and bonds, and in advising companies on mergers and other issues.

The wealth management unit did best, with revenue falling a comparatively low 4 percent. That is the unit that includes Morgan Stanley's 51 percent stake in Morgan Stanley Smith Barney, the retail brokerage it co-owns with Citigroup. Morgan Stanley is eager to expand the bank's stake to 65 percent by September.

The other big investment bank, Goldman Sachs, is also pursuing steadier, if less interesting, revenue sources. It is highly concentrated in investment banking services and does not have a traditional consumer bank, but it is starting to expand its private banking business by lending money to corporate clients and the wealthy.

Morgan Stanley blamed some of its problems on a broader seizing up in the stock market because of the European debt crisis and a plodding U.S. economy. But Morgan Stanley also faced challenges specific to the bank.

Because of the ratings downgrade, some of Morgan Stanley's trading partners asked it to post more collateral than before. The Facebook debacle ? Morgan Stanley was accused of sharing an analyst's report about the company with a few favored clients before everyone else ? has tarnished its reputation.

Investors upset that Facebook's share price has gone down accuse the bank of releasing too many shares and setting the price too high. The stock went public at $38 per share but closed at $29 on Thursday.

"Their investment banking group isn't going turn around until the economy shows consistent growth and people forget about the Facebook fiasco that made them look like amateurs," said Erik Gordon, a professor in the business and law schools at the University of Michigan.

Chief financial officer Ruth Porat, asked in an interview with The Associated Press whether Facebook had hurt the bank's business, pointed out that Morgan Stanley is still No. 1 in initial public offerings globally.

Earlier, she told financial analysts that she expects markets to face more challenges from slow world economic growth and the crisis in Europe, but "some of the Morgan Stanley-specific issues are receding, and we look forward to more business-as-usual performance."

The revenue drop overshadowed the good news that the bank swung to a profit. Morgan Stanley earned $564 million for the quarter, compared with a loss of $558 million in the same period last year.

In that period, Morgan Stanley took big charges so it could cut down on expensive dividend payments to Mitsubishi UFJ Financial Group, a Japanese bank that gave Morgan Stanley a life-sustaining cash infusion in the depths of the 2008 financial crisis.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-07-19-Earns-Banks/id-e7d9909d0851483db6ab4df21c7036da

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Look for Potential Website Design Companies in NYC to Ensure ...

Are you scouting for a web designer in NYC to have your website design projects done?

Hiring a website design NYC company is a crucial decision and there a lot of factors that ought to be considered while selecting a reliable company for website designing job. A good web designing firm in NYC or anywhere in the world- must exceed your expectations and make a website for your business, which is SEO-friendly, attractive and most vitally, converts customers (web conversions).

A common mistake that entrepreneurs make is hiring a web designer too quickly- mainly based on price. Your website is the visual presentation of your business and an inferiorly created site can eventually annoy visitors, misrepresent your services/products and lose sales.

Hence, it is imperative to interview potential website designing companies prudently to make sure you select the right one for your respective business.

How much total experience does the web designing firm should have?

Ask the company, how much experience they have in the web designing field. More the experience, more skills they would have. An experienced firm can easily understand your requirements and can show you the right direction as per your needs. An experienced firm will never let hamper your business image on the online front.

Can the Company show the portfolio of the previous websites created by them?

Ask them for a portfolio of their former websites that they have worked on. Here you can check the quality of the work of the website design NYC firm.

For instance, if you a rugs supplier in NYC and they has worked in the past with relevant clients than it will certainly add advantage to your work. After evaluating, if you find the work of a company to your satisfaction, you can choose them.

Besides Web designing, what other services does the Company provides?

Many well-known web design agencies are branching out and offering other services in addition to web design and development. Social media marketing, content writing, Google Adwords Management and blog promotion are some additional, but important services offered by many experienced web designing firms.

Which Operating System and Programming Languages the firm works with?

Ideally, the web design firm must offer both ASP.NET and open source PHP/MySQL programming languages. They must make a technical recommendation on the platform that will best suit your budget and needs.

What are the company?s payment terms?
Most web designing firms will charge you on stage payments and upfront deposit as per the stipulated deliverables and milestones. Be wary of the companies that demands for full payment before even initiating the project.

Source: http://web-design.ezinemark.com/look-for-potential-website-design-companies-in-nyc-to-ensure-your-business-growth-7d374fe33c40.html

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Veep Beat: VP Clock Ticks Before Romney's International Trip

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Source: http://news.yahoo.com/veep-beat-vp-clock-ticks-romneys-international-trip-125208149--abc-news-politics.html

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IMF foresees deal to reduce Ireland's debt burden

DUBLIN: International Monetary Fund officials say they are working with Ireland on a plan to reduce its bank-debt burdens and ease the bailed-out nation's return to normal borrowing on bond markets next year.

An IMF delegation in Dublin says Ireland is fully meeting the terms of its 2010 bailout deal but needs to impose heavier cuts on its unusually generous welfare rates.

As the foreign debt managers spoke Wednesday at a Dublin news conference, about 2,000 anti-austerity protesters marched on Ireland's parliament to demand an end to four straight years of cuts. Many carried placards calling on the public to refuse to pay a new council tax being imposed on every residence.

Ireland's (euro) 67.5 billion ($83 billion) EU-IMF credit line is expected to run dry in late 2013.

Source: http://economictimes.feedsportal.com/fy/8av2Fvy0c0o342mC/story01.htm

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