Daryn Zack in Florida finds the ultimate source for wholesale travel! Travel for less and make money at the same time is what Daryn says.

(PRWEB) August 16, 2004

Daryn Zack has been in the home business arena for over 4 years.Daryn has never seen anything as fun and lucrative as Coastal Vacations.

Before Daryn got into home business he sold travel in Orlando,Fl.

Daryn says, “This only makes sense because people love to travel and save money.”

Coastal Vacations is not just a great travel package it’s a homebased business opportunity that pays a $ 1,000 commission on a $ 1,295.00 deal.

Coastal Vacations offers 20 different saving cards on condos,hotels,golf, cruises and 20 different vacations etc… and it’s also a worldwide money making opportunity.

Daryn has 3 other homebased opportunities ,but he says he has always had a passion for the travel industry.

To check out this opportunity go to: http://www.travelwithcoastal.com

Daryn says “I love talking to people about traveling and also helping them make money!

It’s a “win-win” situation.”

Daryn will continue with his other opportunities, but his love for the travel industry will never die.

“People can save so much money on travel with Coastal”, Daryn says. There is so much value here for travel plus a complete automated system for getting sales leads to resell the program.

The Coastal opportunity also has a very strong support team which is very important for travelers and also for people in a homebased business.

Daryn says,” He’s taking the nation on vacation!”

To check out Coastal Vacations see information below

http://www.travelwithcoastal.com


http://www.vacationanytime.com


http://www.savingonvacations.com


http://www.whoisdarynzack.com

Daryn Zack

407-302-7730(home office)

1-877-640-1954(toll free)

407-625-0620 (cell)

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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 http://www.olin.wustl.edu.

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: http://www.olin.wustl.edu/Pages/default.aspx

Facebook: http://www.facebook.com/OlinBusinessSchool

YouTube: http://www.youtube.com/user/OlinBusinessSchool

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Weekly Reader Finds Student Scribes, Media Mavens of Tomorrow

Wilmington, DE (PRWEB) May 12, 2011

The art of the written word is alive and well among today’s youth—and not just in the form of text messages. Weekly Reader recently announced the winners of the 2011 Student Publishing Contest. The two budding wordsmiths and three outstanding student-produced publications will be honored at a special ceremony in June.

The prize-winning students, chosen by Weekly Reader editors for their lively writing and compelling stories, are Patrick Sullivan from Orlando, Florida, and Julia Kieserman from New York, New York.

Sullivan, a fifth-grader at East Lake Elementary School, was chosen for “Launching Into History,” a lively and entertaining essay about the NASA space shuttle program. Judges picked the piece for its strong research, fascinating facts, and personal connection—Patrick’s father is the chief engineer for the space shuttle launch program at the Kennedy Space Center.

Kieserman’s “Injection of Identity” describes the eleventh-grader’s experience taking growth hormone to increase her height. The student at The Spence School was praised by judges for her touchingly honest essay, which they said contained the perfect combination of humor and frankness.

This year’s whole publication winners include two print newspapers from Florida—Wildcats’ Word from Williams Elementary School in Gainesville, and J.Hop Times from St. Petersberg’s John Hopkins Middle School. Judges also announced the winner of the contest’s first-ever online publication category—The Harbinger Online from Shawnee Mission East High School in Prairie Village, Kansas.

Chosen for their strong writing and reporting, high student interest, and excellent coverage of poignant issues like stereotypes, the print winners illustrated an amazing level of maturity and social connection. The winning online publication’s staff fully embraced its digital medium, incorporating late-breaking news articles, video reports, and even live Webcasts of school sporting events into its daily coverage.

The winners will be honored at Weekly Reader’s Student Publishing Contest awards ceremony on June 7 at the Omni Shoreham in Washington, D.C. The event, part of the Association of Educational Publishers’ annual Content in Context Conference, will feature a keynote speech by Adrian Fenty, education reform advocate and former mayor of Washington, D.C.

Winners will receive round-trip transportation to the banquet courtesy of the contest’s exclusive airline sponsor, Continental Airlines, and a free hotel stay courtesy of the Omni Shoreham. Each winner will also receive a $ 500 check (payable to the school or individual student) and a plaque. In addition, each publication winner’s school will be awarded a SMART Interactive Whiteboard System, including a SMART Board 685ix and SMART Response interactive response system, courtesy of SMART Technologies.

For more information on Weekly Reader’s Student Publishing Contest or details about the luncheon, please visit http://www.AEPweb.org/awards/student.

Details of this year’s winners follow:

INDIVIDUAL STUDENT WRITING

GRADES 3 TO 6

“Launching into History” by Patrick Sullivan

East Lake Elementary School

Orlando, Fla.

GRADES 7 TO 12

“Injection of Identity” by Julia Kieserman

The Spence School

New York, N.Y.

WHOLE PUBLICATION: PRINT

GRADES 3 TO 6

Wildcats’ Word

Williams Elementary School

Gainesville, Fla.

GRADES 7 TO 12

J.Hop Times

John Hopkins Middle School

St. Petersburg, Fla.

WHOLE PUBLICATION: ONLINE

The Harbinger Online

Shawnee Mission East

Prairie Village, Kansas

The Student Publishing Contest is sponsored by Weekly Reader, administered by the Association of Educational Publishers (AEP), and supported by SMART Technologies, Continental Airlines, and the Omni Shoreham Hotel.

About Weekly Reader: Weekly Reader has been creating cutting-edge, curriculum-rich supplemental materials since the debut of Current Events magazine in1902. The company’s unique digital products and 11 award-winning classroom magazines give teachers tools that help them achieve their goals while inspiring, informing, and engaging students. Weekly Reader materials reach more than 200,000 teachers and 6 million students from Pre-K to grade 12. In January 2010, the company introduced Weekly Reader Connect (http://www.wrconnect.com,) an online reading program for students in grades 1 through 6. WR Connect consists of interactive, whiteboard-ready multimedia news units that are presented in concert with a reading-comprehension framework, the Concepts of Comprehension

Cool, Dry Air Blown Under Football Shoulder Pads Reduces Body Temperature and Heart Rate, New Research Finds

Orlando, Florida (Vocus) July 10, 2008

Cool, dry air flowing between the athlete and their football pads reduces core body temperature and heart rate dramatically, thereby reducing the likelihood of heat-related illness, a study released today at the 2008 American Orthopaedic Society for Sports Medicine Annual Meeting at JW Marriott Orland Grande Lakes shows. The study found that air forced under the uniform, rather than misted, cool air blown on to the uniform, could be a helpful measure to avoid heat-related illness in football players. This study, funded by a grant from NFL Charities, represents a novel advancement in the pursuit of methods to decrease the incidence of heat related illness.

“Heat stroke in football players has unfortunately been brought to national attention following the deaths of five football players between 2001 and 2004,” said lead author MaryBeth Horodyski, EdD, Associate Professor and Director of Research for the Department of Orthopedics and Rehabilitation at the College of Medicine at the University of Florida. “We wanted to look at this new technology for cooling the athlete by blowing cool, dry air underneath their uniform to see how it would affect body temperature and heart rate.”

Heat-related illness happens when the systems used by the body to regulate heat become overwhelmed and cannot compensate. Under these conditions, heat and body temperature climbs uncontrollably. Between 1960 and 2001, 100 heat stroke -related deaths occurred in football players alone, according to NCAA Injury Surveillance System data.

This study monitored 15 athletes wearing shoulder pads, shorts and football helmets who participated in two testing sessions: on one day no air was blown under their shoulder pads and on another day cool, dry air was blown under the shoulder pads during rest periods and the recovery session. Three, 15-minute exercise cycles, separated by 10-minute rest periods were followed by a 20-minute recovery session. The exercise cycles consisted of jogging and sprinting on a treadmill in a room with a heat index of approximately 92 degrees Fahrenheit.

The study found that on the testing session day when the athletes had the cool, dry air blown under their shoulder pads, there was as much as 1 degree Fahrenheit reduction in core body temperature. The most dramatic difference in core body temperature was during the third recovery period. The athletes’ average core body temperature was 100.3 degrees Fahrenheit for the cool dry air testing sessions, but for the same time period the average core body temperature was 101.7 degrees Fahrenheit without the cool dry air.

Additionally, with the cool, dry air the athletes had a significantly lower heart rate of about 8 to 10 beats per minute than without the cool, dry air.

“Obviously when the air was blown underneath the uniforms, the athletes benefited,” said Dr. Horodyski. “Any small amount of reduction in core body temperature and decrease in heart rate could be the difference between an athlete suffering a heat-related illness or not. We need to continue investigating new technology such as this to prevent heat illness.”

The American Orthopaedic Society for Sports Medicine (AOSSM) is a world leader in sports medicine education, research, communication and fellowship, and includes national and international orthopaedic sports medicine leaders. The Society works closely with many other sports medicine specialists, including athletic trainers, physical therapists, family physicians, and others to improve the identification, prevention, treatment, and rehabilitation of sports injuries.

For more information, please contact AOSSM Director of Communications, Lisa Weisenberger at 847/292-4900, or e-mail her at lisa @ sportsmed.org. You can also visit the AOSSM Web site at http://www.sportsmed.org.

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RE/MAX Survey Finds Homes Become More Modest As Builders Keep Costs Down In Chicago Real Estate And Illinois Real Estate Markets

Chicago, IL (PRWEB) January 23, 2009

Not long ago, every American family seemed to be seeking a trophy house – and new homes rapidly became bigger and grander as builders responded to those demands in the Illinois real estate and Chicago real estate markets. Today, the situation has changed markedly, especially for Chicago homes priced at $ 400,000 or less, but even homes in higher price brackets are making a nod toward modesty.

“We’re seeing a definite trend toward affordability and value in new moderately priced homes in the Chicago real estate and Illinois real estate markets,” reports Debbie Maxvold, broker/owner of RE/MAX Accord which has offices in Bloomingdale, IL and Rockford, IL. Her organization is heavily involved in marketing new homes in the Rockford area.

Larger home builders are shifting away from offering homes of 2,500 to 3,500 square feet and instead are emphasizing designs in the 1,600 to 2,500-square-foot range, according to Maxvold. To make the more limited amount of space as functional as possible, many new homes now utilize a great room concept, with one large living area that is open to the kitchen replacing the separate living and family rooms of more traditional floor plans.

Kathy Dames of RE/MAX Realty of Joliet in Joliet, Illinois, is seeing similar shifts in the new homes being offered in the Chicago real estate market of Will County.

“Builders are looking at the future and scaling back. They are building simpler designs that deliver the most house for the money. Instead of building homes of 2,800 to 3,000 square feet, they are building more homes of 1,800 to 2,300 square feet. And rather than offering an oversized kitchen and family room and separate living room, the homes being built now provide a somewhat smaller kitchen and a large great room but eliminate the traditional living room. They also have 9-foot ceilings throughout rather than the volume ceilings common a few years ago,” said Dames.

Other techniques builders are using to keep Illinois real estate home prices as low as possible while still delivering the primary features consumers desire include less expensive trim and fixtures, smaller lot sizes and less extensive standard landscaping. Some designs make greater use of shared baths, rather than giving each bedroom a private bath, according to Dames.

Among somewhat more upscale Chicago real estate homes that typically sell for $ 400,000 to $ 600,000, the size and features haven’t been changing as quickly, according to Tom Oliva of RE/MAX Central in Roselle, Illinois.

Lots are getting smaller because of the high cost of farm land, he reported. For instance, in Hampshire, IL, at the northwestern edge of the Chicago real estate market, the typical new suburban lot has shrunk by about a third. Standard lots ranged from one-half to a full acre seven or eight years ago, but current dimensions are typically around one-third acre, according to Oliva.

The builders of these homes are putting more emphasis on using long-lasting materials and minimizing maintenance costs so that owning the home is less burdensome to the family budget.

To do that, said Oliva, builders are installing more energy efficient appliances and furnaces, moving from wood shake roofing to architectural shingles and replacing cedar siding with a fibrous concrete siding that is essentially maintenance free for 50 years.

At the upper end of the Illinois real estate market, keeping costs down isn’t as much of a concern, but homes are still becoming less grand in terms of design and square footage, according to Marsha Ulbrich of RE/MAX Unlimited Northwest in Lake Zurich, IL.

“We are building somewhat smaller homes in the $ 1 million-plus segment of the market, but what we are seeing more of are high-tech amenities, such as centrally controlled light, sound and security systems,” said Ulbrich. “There are still homes of 10,000 square feet or more being built, but most are two-story homes totaling 5,000 square feet, with perhaps another 3,000 square feet in a walkout basement level.”

Ulbrich also sees a new emphasis on coziness, with fewer grand spaces and volume ceilings.

“Not long ago it was difficult to sell a luxury home without volume ceilings, but now families want more of a sense of intimacy along with entertainment capabilities,” she said. “These buyers are doing more of their entertaining at home, rather than taking guests out.”

One trend Ulbrich isn’t seeing in most luxury homes is the first-floor master suite. “The families building these homes tend to be young enough so that they still have children in the house, and the parents want their bedroom on the same level as the children’s bedrooms. The exceptions are in homes built specifically for empty nesters, where a first-floor master is becoming quite common.”

According to Susan Rhoades of RE/MAX Suburban in Wheaton, IL, most new upper bracket houses being built these days are custom projects.

“The major changes we’re seeing are in the kitchen/family room area,” she said. “Kitchens have become very elaborate and are open to large family rooms, while the more formal rooms in the house, the living room and dining room, have become smaller.”

Baths, like kitchens, are getting additional upgrades, such as multi-head shower units and full-body sprays, as well as saunas or steam showers. Energy saving features, including tankless water heaters and floors with radiant heat, also are being included.

Another shift that Rhoades has noticed is the growing importance of basement areas, which have, she said, “become a continuation of the upstairs living areas.” These contemporary basements, typically accessed via a wide and open staircase, include such features as a home theater area, wine cellar and recessed lighting, allowing the builder to deliver more finished high-value space at less cost.

“Patio areas are becoming more sophisticated and have replaced decks as the preferred setting,” contends Rhoades, and they often include such features as an outdoor kitchen, fireplace and seating walls.

Two features that seem to be showing up with increasing frequency in new single-family homes across the pricing spectrum are the home office and the three-car garage.

“People want a home office because so many folks now work from home much of the time,” said Debbie Maxvold. “We even see families that would like two home offices because both spouses work at home, but in those instances, they usually convert a bedroom into the second office.”

As for garages, “the three-car garage is here to stay, but to save money when necessary, you will see more tandem designs where the third parking space is behind the other two, rather than garages with three separate doors,” reports Kathy Dames.

In the luxury home market, noted Ulbrich, four-car garages have become the standard, and most homes in that category provide even more parking because it isn’t unusual for a family to have five or six cars if there are teenagers in the house.

While new home construction nationally is at its slowest pace in many years right now, Dames believes that when the housing market does turn around, new home developments will be the first to come back, in part because many of the homes being offered will be more affordable than in the recent past.

“The homes we’ll be seeing at that point will be closer in size to those built in the mid-1980s than to the homes built between 1995 and 2005,” she said.

RE/MAX is the leader in northern Illinois real estate sales and has been number one in residential sales in the Chicago real estate market since 1989. In 2008, the RE/MAX network in northern Illinois closed apprxoimately $ 8 billion in sales.

The RE/MAX Northern Illinois real estate network consists of 3,000 associates and 145 individually owned and operated RE/MAX offices that provide residential, relocation and commercial real estate services throughout the northern one-third of Illinois. The network’s Web site system, http://www.illinoisproperty.com, is an outstanding resource for buyers and sellers. RE/MAX Northern Illinois is part of RE/MAX International, a global real estate organization with 7,000 independently owned offices and 100,000 member sales associates in 73 countries.

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Typical Guy Finds Key to Making Men Thoughtful; Saving Relationships Nationwide

Seattle (PRWEB) November 18, 2009

From the time Gutenberg printed the first greeting card and sold it in a thatched-roof card store aside scented candles and dangling angels and pigs, man has been terrified by the card-giving process, eventually landing himself in the doghouse.

Fast-forward 580 years and now a regular guy has created a system through which man can satisfy his greeting-card requirements from the comfort of his own computer-equipped man-cave without whiffs of potpourri and really cute stuffed teddy bears.

MrThoughtful.com allows men to manage the process of buying and giving greeting cards, creating an automated ‘greeting-card agent’ which will select and purchase cards for his select friends and family. Cards and envelopes are sent directly to the guy for adding personal notes and delivery.

The customer tells the MrThoughtful program what cards he needs and when he needs them. The customer then receives them on a quarterly basis and even gets an e-mail or a text notification that amounts to: “Hey, thoughtful guy, your wife’s birthday is next Wednesday.” The men can then reach into the drawer and grab the card, adding personal thoughts, or likely, simply his name.

Men have been able to take the initial steps toward thoughtfulness since Oct. 1st.

MrThoughtful.com is the first online endeavor of Thoughtful People, LLC which has grand plans to include the fairer sex once mankind has been made better. Operating out of a downtown Seattle high-rise, it is the work of Carl Bryant, a veteran of dot-coms, primarily in the marketing-services area.

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