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Olin Business School Study Finds Insider Information Helps Analysts at Big Banks

Saint Louis, MO (PRWEB) April 4, 2011

A new study from the Olin Business School at Washington University in St. Louis finds it’s difficult to maintain “Chinese walls” – self-regulated firewalls – intended to keep client information from leaking between loan and investment departments when they are housed in the same financial institution.

The repeal of the depression era Glass-Steagall Act 11 years ago allowed financial institutions to engage in commercial and investment activities under the same roof.

The study “Do Bank-affiliated Analysts Benefit from Lending Relationships?” by Xiumin Martin, PhD, assistant professor of accounting at Olin, and Ting Chen of CUNY Baruch College, is forthcoming in the Journal of Accounting Research.

When the walls that had previously separated lenders from equity analysts came down, according to the new study, information about borrowers (that was private and restricted under Glass-Steagall), began to flow from commercial to equity research divisions within financial conglomerates.

Martin and Chen’s research finds analysts’ forecasts improve when their banking institution provides loan services to the companies they are following.

Evidence that divisions within large financial conglomerates share information and that bank-affiliated analysts benefit from the information spillover is based on analysis of sample bank loans and analyst forecasts from 1994-2007.

While prior studies have shown that commercial banks have superior information about borrowers, this paper investigates whether banks’ information advantage benefits their affiliated security analysts by helping them make more accurate earnings forecasts.

“Analysts are supposed to be on the public domain side and they are not supposed to get what we call private information, or proprietary information,” Martin says. “All their forecasts should be based on all the publicly available information.”

Martin and her research partner focused on 16 conglomerate banks, including JP Morgan, Bank of America, Credit Suisse and Deutsche Bank, for the period of 1994-2007. They made a pre- and post-loan comparison in the accuracy of conglomerate forecasts relative to benchmark forecasts issued by the same analysts for firms that did not borrow from the affiliated bank.

Martin found that the accuracy of bank-affiliated analyst forecasts does increase following a loan inception at the same institution.

The information advantage of analysts, the study finds, is concentrated among borrowers with high credit risk and negative or bad news related to the company.

The information advantage exists only when conglomerates serve as lead financing arrangers, not merely as participating lenders.

“We think our paper probably will have some policy implications,” Martin says. “The trend towards large conglomerate banks is probably going to persist. Maybe there are some benefits in housing these two divisions within one organization, but our paper provides one piece of evidence that this sharing of information probably is not fair to normal, individual retail investors.”

Xiumin Martin, PhD is an assistant professor of accounting at Olin Business School. Watch her discuss her research in this video. Learn more about Olin’s Masters in Accounting program at

About Olin Business School:

Olin Business School at Washington University in St. Louis is an institution of leaders: distinguished business faculty… exhilarated, brilliant students… and successful, energized alumni. Our 12 business degree and non-degree programs emphasize rigorously analytical, critical-thinking skills; applied learning; global competence; and communication and collaboration skills — advancing today’s business world and tomorrow’s global leaders. Learn more about Olin Business School on the Web at:

Web site:



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OMMA Magazine Names Digitaria “Design/Interactive? Agency of the Year

San Diego, CA (PRWEB) November 16, 2011

OMMA Magazine announced the winners of its annual Agency of the Year Awards Monday, with digital design, technology and marketing company Digitaria named top ?Design/Interactive? agency of 2011.

?It?s a tremendous honor to be recognized by OMMA for the breadth of quality work Digitaria has produced in 2011,? said Digitaria Chief Executive Officer Daniel Khabie. ?Winning Design/Interactive Agency of the Year is a tribute to the talent of the great people we have here, and I am happy as can be to see their work honored and showcased in this way.?

Digitaria was recognized for its numerous and wide-ranging collection of website, mobile and out-of-home interactive products launched in 2011, including:

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Ocean Lakes Family Campground In Myrtle Beach, S.C., Wins 2010 Earth Day Award For iCare Program

Myrtle Beach, SC (PRWEB) April 16, 2010

Ocean Lakes Family Campground in Myrtle Beach, S.C. was awarded the 2010 Earth Day Award by the South Carolina Department of Health and Environmental Control at its second annual Earth Day Awards program held on April 14, 2010. The award was presented to Ocean Lakes for its iCare Program aimed at helping reduce the environmental impact of the campground and its guests. The campground’s program uses the slogan “Action and Awareness Count,” encouraging guest responsibility and education and focuses on recycling, pet pollution and litter.

The iCare Program was created in August 2008. Ocean Lakes Family Campground now collects campground recyclables two times a week from its offices and five iCare Stations. However, it will begin collecting recyclables every day once the campground occupancy increases for the spring and summer seasons. In 2009, the campground collected 59,220 pounds of recyclables in a six-month period.

The campground owns and operates five 20-yard rear loader garbage trucks, and in January, dedicated one truck to collecting recyclables only. The truck bears the iCare logo to promote its green initiatives program. Since January, Ocean Lakes has delivered eight tons to the Horry County Solid Waste Materials Recycling Facility.

“We are honored that DHEC recognized Ocean Lakes’ iCare Program and its drive to increase guest and campground responsibility,” said Barb Krumm, Director of Marketing and Public Relations with Ocean Lakes Family Campground. “We want our campers to enjoy their stay here and while doing so, show the upmost respect for the environment. The iCare Program has proven to be an effective way to educate our guests and teammates and we’re excited for the growth that is sure to come in the months and years ahead.”

The iCare Program also brings awareness to the impact of pet pollution, which has proven to be extremely harmful to the ocean and its marine life. Campground guests are asked to use an “iCare Kit” to pick up after their pets. The iCare Kits are available in several locations and the iCare stations feature a doggie figure holding a martini class full of free dog treats. Donation boxes for the Ark Animal Hospital’s NOAH Program, in nearby Surfside Beach, S.C., are placed near the treats for guests who’d like to support the local rescue program.

The iCare Program also encourages guests to help clean up beach litter. Gloves and specially marked bags are available at the iCare stations. Throughout the campground visitors can dispose of their waste in an iCare trash bag.

As part of the program, in January, the campground mounted a Apricus solar panel to the roof of an existing bathhouse to solar heat the water for 12 shower stalls and the sinks.

Last year, Ocean Lakes Family Campground won the 2009-2010 Plan-It Green Award from the National Association of RV Parks & Campgrounds for its iCare Program. The award is given to parks that demonstrate they have taken steps and actions to become more eco-friendly. Only three parks in the United States have received such recognition.

Ocean Lakes is the largest campground on the East Coast and one of the largest in the United States with over 310 acres of campsites. For more information about Ocean Lakes Family Campground and its iCare Program, call 1-877-510-1774 or visit For property rental information, call 1-800-845-2229.

For more information about the Earth Day Awards program, contact Richard Chesley at (803) 896-4209 or Stacey Gardner at (803) 898-3300.

About Ocean Lakes Family Campground

Ocean Lakes Family Campground, a division of The Jackson Companies, is the largest campground on the East Coast and one of the largest in the United States. Located in Myrtle Beach, S.C., Ocean Lakes has received numerous awards for excellence. It is the 2008-2009 National “RV Park of the Year” and has received that honor from the National Association of RV Parks and Campgrounds (ARVC) four times. In addition, Ocean Lakes is one of only 21 campgrounds and RV resorts around the United States to receive’s overall “A” rating for 2008 and 2009 by maintaining a 4.7 out of 5 rating. In 2006, Ocean Lakes was honored with the prestigious South Carolina Governor’s Cup for making a significant economic impact on South Carolina.

Ocean Lakes covers 310 oceanfront acres with nearly one mile of beachfront. It offers 3,447 sites, including 893 campsites which are large and pull-through to accommodate larger RVs. It was built by Mary Emily and Nelson Jackson and their five daughters starting in 1970. It opened with 30 campsites and one bathhouse on July 2, 1971. On an average seasonal day, Ocean Lakes has 25,000 – 30,000 guests enjoying the countless amenities that have made it a local favorite and a national vacation destination.

Ocean Lakes Family Campground is one of sixteen subsidiaries of The Jackson Companies, a family-owned business that includes Prestwick Golf & Country Club, Ocean Lakes Properties, Crystal Lake Mobile Home Village, Ocean Lakes RV Center, and the master-planned development SayeBrook.


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Adventure Collection Highlights Hot Trips for 2010

San Francisco, CA (PRWEB) October 28, 2009

With global recovery underway, people are once again looking toward the horizon and letting the wind fill their figurative sails. “Feedback from our members reveals that more and more travelers are requesting catalogs and itineraries and perusing our web pages,” said Adventure Collection Editor in Chief Don George. To further whet this wanderlust, George asked the members of the Adventure Collection to recommend one particularly hot trip for 2010 – a journey that especially impassions them. Here are their recommendations.

Natural Habitat Adventures: Ultimate Churchill

This polar bear expedition offers a total immersion into the world of the polar bear and the Canadian Far North. Our warm, self-contained tundra vehicles take us into the icy wild to view polar bears as they hunt, play and interact, entertaining us just feet away from our windows. But our adventure doesn’t end there: We’ll also helicopter to the bears’ denning area where we can climb inside an unoccupied den, experience the northern boreal wilderness by dog sled, and visit with authentic Inuit storytellers. When night falls, we’ll watch for the swirling colors of the aurora borealis, as vivid here as any place on earth. “Ultimate Churchill” is the ultimate north.

The Ultimate Chruchill: 7 days, 6 nights; multiple departures in Oct. and Nov.; $ 6,295 per person, double occupancy

Off the Beaten Path: Inside Guatemala — Semana Santa, nature, and Mayan spirit

This insider’s journey connects you with the spirit of the people, art of the culture, and nature of the place. Learn about Guatemala’s famous textiles and folk art from local artisans, many of whom are Mayan. The Mayan culture is alive and well here, and you’ll explore the ancient foundations of this influential civilization at the fabulous sites of Yaxha and Tikal.

The UNESCO World Heritage City of Antigua is another real highlight of the journey. It’s very special to be in Antigua for the Easter celebration of Semana Santa, when men and women carry enormous religious floats through narrow streets, over elaborate carpets of flowers, pine needles, and brightly dyed sawdust.

From the colorful markets and colonial ruins to the slopes of Pacaya volcano, “Inside Guatemala” offers a very personal view of a fascinating country. Highlights include: Antigua — nestled in a mountain valley with three volcanoes on the horizon, idyllic Antigua features Spanish colonial architecture and manicured parks; Semana Santa — Antigua is famous for its celebration of Easter Holy Week, and the entire city participates in the dramatic and colorful event; Mayan ceremony — within the Iximche ruin is an extremely important site where a local shaman will perform a ceremony in a Mayan language; Pacaya Volcano — drive most of the way up the volcano then scramble the last mile or so to peer into the active crater and take in the unforgettable views of the valley and three other volcanoes.

Inside Guatemala: Semana Santa, naure, and Mayan spirit : March 27-April 3; from $ 3,095 to $ 3,395

Lindblad Expeditions: Viking Saga — Norway, Scotland, the Faroes & Iceland

Let the daring saga of the Vikings inspire you to go and see something rare: a bit of unchanged past. Aboard National Geographic Explorer, you’ll retrace the route of the Vikings across the North Atlantic — sailing from Bergen, Norway, to Scotland’s northern isles and the remote Faroe Islands — to accomplish a near circumnavigation of Iceland. Taking a zigzagging route, we’ll discover striking juxtapositions: Stone Age sites at Orkney; the stunning glaciers and lava fields of Iceland; the crisp maritime architecture of Bergen, a World Heritage site; the rugged terrain and turf-roofed houses of the Faroes; the horizontal expanse of the sea as we voyage; and the vertical pour of Godafoss, the “waterfall of the gods.”

Come have an adventure of your own – in the company of the finest explorers from Lindblad and National Geographic. Join renowned modern-day explorers Apollo 13 Commander Jim Lovell (May 11 voyage) or renowned Broadcaster Dan Rather (May 24 voyage) on a voyage into Viking history.

Viking Saga: Norway, Scotland, the Faroes & Iceland: 15 days/13 nights; departures May 11 and 24; from $ 9,990

Note: Book by Dec. 30 to receive free airfare and $ 1,000 off the cabin fare on select departure dates and cabin categories. Contact Lindblad Expeditions for full details.

Micato Safaris: A Culinary Tour of South Africa

Guests will join world-renowned Chef “Afro-Gastronaut” Bruce Robertson, former executive head chef at Cape Town’s Cape Grace Hotel and the proprietor of Cape Town’s The Showroom Caf

Top Philadelphia Remodeling Contractor Debuts New and Improved Website

Philadelphia, PA (PRWEB) November 19, 2011

MK Remodeling?s website has undergone a complete transformation to become a one-stop shop with a comprehensive list of all their services with easy-to-use navigation.

With the new website, homeowners have 24/7 access to valuable information whether they?re looking to remodel a kitchen or bathroom, need emergency water or fire damage restoration, new roofing, or siding, or simply want to add a deck. Visitors can read customer testimonials from satisfied clients describing what makes this company stand out, see photos of work projects displaying their exceptional craftsmanship, or request a free quote.

MK Remodeling is a family-owned and operated remodeling and restoration company with traditional values. With over 40 years of experience, owner Mike Krakovitz is passing his experience on to his sons. His oldest son, Michael, gave up a career as a teacher to become a partner with his father and his other son, Dan, will join the family business after he graduates from college. The family prides themselves on the personal contact they establish with every client, whether the project is a small repair or a complete house renovation.

?We treat clients like we would like to be treated ourselves,? Mike says. ?I?m always amazed that people are surprised that we actually show up for appointments on time. We are constantly told how great it is for people in our business to deliver on time and on budget.?

When clients buy from MK Remodeling, they receive top quality materials, excellent work, and fair pricing. Their goal is to make home improvement projects less stressful, more convenient, and assist homeowners through every step of the project. With MK Remodeling there are no hidden costs or surprises.

?In most cases we will return to fix anything necessary even after the warranty period has expired,? Mike says. ?Our name goes on everything we do and we pride ourselves on satisfying our clients, which is why so many people call us back for work.?

To check out their new website, please visit

About MK Remodeling, Inc.

MK Remodeling, Inc. is a family owned and operated remodeling and restoration company. They offer design-build services for additions, kitchens, bathrooms, decks along with insurance restoration and emergency services for water, fire, and wind damage and much more. Mike Krakovitz, Sr. has more than 40 years experience and has received several awards and commendations for his work. He is partners with his son, Michael, who gave up a career as a teacher to become involved in the construction business. His other son, Dan, plans to join the family business after graduating college. MK Remodeling proudly serves Delaware, Chester, and Montgomery Counties.