Consumer’s Interest High at Community Banks

Posted by Erik Keith on December 22, 2008 at 2:30pm

It took $4 gasoline to get folks to think about their driving habits. Similarly, it looks like a meltdown of the megabanks and other financial institutions is prompting consumers to think about where they are putting their money, who they can trust and what results they should expect. And much of their hard earned cash is flowing into deposits at community banks:• According to the FDIC, banks with less than $10 billion in assets, community banks, have seen an increase in deposit growth this year from a minus 0.77% in Q1 to a positive 2.06% in Q3. Larger banks witnessed a 3.81% decline in growth of deposits for the same period.• The Federal Reserve reported that October deposits and lending at community banks outpaced the overall industry. Between October 1 and October 22, community banks saw deposits rise 1.1 percent, or nearly $27 billion, to more than $2.4 trillion. For the same period, the nation’s 30 largest U.S. chartered banks saw $44 billion, or 1.2 percent of deposits, walk out the door, leaving them with less than $3.8 trillion.• REWARDChecking, a free checking account offered by more than 450 community financial institutions across the country, reported a 96% jump in deposits in the third quarter of this year.“Through products like REWARDChecking, community financial institutions are winning back customers from the faltering megabanks and investment houses,” said Don Shafer, Chairman of BancVue, a leading provider of products and consulting to community banking institutions. “Americans are indicating that they enjoy investing their money locally, and they benefit from high yields, fiscal safety and customer service.”Higher yields on short term deposits like those found on CheckingFinder.com are certainly fueling interest in community banks. Month-to-month applications on CheckingFinder.com (https://www.checkingfinder.com/), a website that connects consumers with community financial institutions offering high-yield checking accounts, jumped 14% from July to August, 46% from August to September, and 53% from September to October. A small sampling of applicants on the site indicated nearly seven out of 10 were moving their funds to community financial institutions from large banks.Examples of the yields found at community banks compared to those higher yielding shorter term deposits at megabanks (as of December 15) includes:COMMUNITY BANKS YIELDS PRODUCTSCommunity Bank of Pleasant Hill, MO; 6.10%; High-yield CheckingFirst Robinson Bank, IL; 6.01%; High-yield CheckingLegence Bank, IL; 6.01%; High-yield CheckingCommunity Bank of Raymore, MO; 6.01%; High-yield CheckingThree Rivers FCU, IN; 6.01%; High-yield CheckingFlorida Central Credit Union, FL; 6.01%; High-yield CheckingUnion State Bank/Bank of Atchison, KS; 6.01%; High-yield CheckingBank of Granite, NC; 6.00%; High-yield CheckingMEGABANKSWAMU; 5.00%; CD (5 years)eLoan; 4.75%; CD (6 years)Schwab; 3.60%; CD (18 months)ING; 3.75%; CD (1 year)HSBC; 3.50%; CD (1 year)Countrywide (BofA); 3.10%; CD (9 months)eTRADE; 2.25%; CD (12 month)“Three years ago the issue of 'how secure is my money?' was literally not on the consumer’s radar; today, the future viability of the nation’s largest banks is,” continued Shafer. “Not so with community banking, a system that has endeared trust by its roots and not by its branches.”

At D'Vine Wine, Last Minute Custom Gifts are Possible, Inexpensive and Delicious

Posted by Erik Keith on December 16, 2008 at 4:06pm

Everyone's taken a bottle of wine to a dinner party. But wouldn't it be more memorable if the label was adorned with the host's picture? "Corporate gifters" are constantly scratching their heads about creative gifts for clients. How about making a personalized, mixed batch of wine with a humorous message that will certainly make a splash? Downtown Denver is lined with lovely restaurants and hip bars, but where can you go to impress friends with a venue unlike anything else? D'Vine Wine answers all of the above and more.D'Vine Wine, a boutique winery specializing in custom wines made from the highest quality varietals, offers corporate gift givers, wine lovers and aimless shoppers each an inviting place to call home. D'Vine Wine's Urban Winery is located in the heart of downtown at 1660 Champa Street( http://www.winerydenver.com).D'Vine Wine, a California-based franchise, makes unique handcrafted wines in its Colorado wineries. Working directly with esteemed Napa vineyards, the local vintners regularly bring in freshly crushed grapes and create customized wines, traditional varietals and creative blends."Whether you need 30 bottles or just one, we offer high quality wine, reasonable prices and an unbeatable turnaround," said Ross Meriwether, Owner. "We are booking up quickly for holiday events, so call soon, but last minute holiday gifts can be made in 15 minutes."The Downtown Denver D'Vine Wine is open six days a week, closed Mondays. Its hours vary: Tuesday-Thursday open Noon - 7 p.m.; Friday-Saturday open Noon - 8 p.m. and Sundays open Noon - 6 p.m. Stop in for $5 Music and Merlot on Friday evenings from 6-8 p.m.D'Vine Wine's tasting room is also a retail Mecca, offering a variety of wine-related merchandise, all with wine humor or charm. Besides personalized wine, your favorite "wineaux" will delight in a gift of stemware, cookbooks, t-shirts, holiday ornaments, quirky corks, wine racks and more."The holidays are the season of giving, appreciation of good food and celebration, and wine inevitably plays a role," added Meriwether. "We offer the opportunity to taste, create and enjoy giving unique specialty wines without the high price or intimidating atmosphere."Other locations of D'Vine Wine in Colorado include the Silverthorne Winery at 358 Blue River Parkway, Unit G ( http://www.winerysilverthorne.com) and the Breckenridge Tasting Room at 211 South Main Street. Under different ownership is the Manitou Springs location, 934 Manitou Ave., Suite 108.

www.DenverForeclosureTour.com-Tour this Saturday, December 13 9-1

Posted by Rob Kelly on December 10, 2008 at 3:46pm

DENVER FORECLOSURES ARE HOT PROPERTIES"Get on the Bus" Tour Educates, Informs Buyers WHO: Rob Kelly, licensed realtor, RE/MAX Alliance, LouisvilleEvan J. Hughes, Colorado Pro Inspect, LLC, Certified Home InspectorDJ Robbins, Golden Lenders, Licensed Mortgage BrokerPlus: Bus full of potential homebuyersMEDIA: Representatives of the media are invited to attend this event.WHAT: A "rolling classroom" tour of 6-8 homes in Thornton, Northglenn and Westminster. The houses are bank owned or HUD homes, all in some state of distress. Buyers will likely see some bargains, but, over the past few months, foreclosure properties in the Denver metro area have sparked bidding wars.During the tour, buyers can talk with the experts; a licensed realtor, licensed mortgage broker, a certified home inspector, and an attorney. Also on board: a news crew from NHK (Japan Broadcasting Corporation). The crew is shooting for a two hour special on how the current economy has affected American lives.WHEN: December 13, 9 a.m. to 1 p.m.WHERE: (RE/MAX Alliance 225 South Boulder Road, Louisville, CO 80027CONTACT: For more information, please contact:Rob KellyRE/MAX Alliance(720) 284-9211rob@robkellycolorado.comwww.denverforeclosuretour.comwww.RobKellyColorado.com# # #

October Housing Market Down in Denver Metro Area 1.2%

Posted by Erik Keith on December 10, 2008 at 11:00am

Integrated Asset Services, LLC (IAS, www.iasreo.com), a leader in default management and residential collateral valuation, today released its IAS360™ House Price Index for October 2008. The monthly report, which includes the most current and granular data available in the industry, showed a 1.7% decline in house prices on a national level in October, with an annual decline of 12.9% versus a 13.3% decline in September.Denver, MSA house prices were down 1.2% in October and 15.3% year-over-year. Adams County saw an uptick of 0.2% in October but continues to decline year-over-year at a rate of 20.3%. Denver County continued to add to an already weak housing market with a decline of 2.5% in October and 21.4% year-over-year (see table below for more Denver metro area counties).Housing prices at the national level continue to look bleak. At the census region level, results for October show all four U.S. Census regions experiencing declines in house prices, with the South and West experiencing double digit declines year-over-year of 10.2% and 18.7%, respectively. Compared to October of 2007; Midwestern, Northeastern and Western regions saw a slight improvement in the rate of decline during October 2008, posting 1.5 %, 1.8% and 1.4% declines in house prices respectively. Finally, the Southern region continued to fall amid a weakened housing market.During the month of October, all nine U.S. Census Divisions posted declines. Mountain, Pacific and South Atlantic census divisions posted double digit year-over-year declines of 12.4 %, 20.0% and 10.6%, respectively. East North Central and West South Central divisions continued to hold steady with slight annual declines of 2.4% and 1.7 %.“We’re continuing to see a decline in housing prices across the country and at the county level. That said, we’re also seeing some signs of strengthening in counties that are located in ground zero states of the housing crisis,” said Dave McCarthy, President and CEO of Integrated Asset Services. “With the IAS360 and the other granular Integrated Asset Services iMVI data, we are keeping a close eye on the counties within hard hit states, because it’s the counties that will be the harbinger of signs of a market recovery.”States that have been hard hit by the housing crisis, such as Arizona and Florida, are seeing some counties appreciate in house prices.The IAS360 House Price Index is a comprehensive housing index tracking monthly change in the median sales price of detached single-family residences across the U.S. The index, based on all arms-length transactions, tracks data of 15,000 “neighborhoods”, which is rolled-up to report on the changes in 360 counties, nine census divisions, four regions, and the nation overall. The IAS360 House Price Index is delivered on a monthly basis.Leveraging real time data and nationwide resources, Integrated Asset Services' high-tech and high-touch product lines, (www.iasreo.com/risk.html), offer an unmatched level of detail in a rapidly changing housing environment. IAS reports on "neighborhood" level house price trends, residential market climate and collateral valuation. Integrated Asset Services also provides traditional valuation products and full service REO Management and Disposition.

Legacy Cheerleaders Help to Bring Joy to Families

Posted by Dana McNulty on December 9, 2008 at 9:13pm

On weekends until Christmas you will find the Legacy Cheerleaders at the FlatIrons Mall in Broomfield, helping the Kids Pages Holiday Hope at Home Program provide much-needed clothing, personal items, household items and wished-for toys to local children and families who would otherwise go without holiday gifts and necessities. This is the 6th Annual Holiday Giving Program that Kids Pages Cares has held at Christmastime to help give families a loving "hand-up" not a "hand out." The families that receive assistance from Kids' Pages Cares have encountered difficult circumstances, the loss of a job, an illness or injury, a disabled child, a disaster such as a fire, parental abandonment (grandparents and other family members taking custody of children). By receiving referrals directly from school administrators, they insure that the assistance is going to children and families that really need it and will make good use of the help. The Legacy Cheerleaders have "volunteered" their time during this Holiday Season to be at the Kids Pages Booth at the FlatIrons Mall to help people adopt a family or child from one of the Angel Trees around the booth. These girls have given up their free time to help make sure that this program collects as many toys, clothes and gift cards as possible during mall hours. The girls are rotating their time,and you can meet the cheerleaders and adopt a family on the weekends and on Monday and Tuesday before Christmas Day. These Award winning Cheerleaders are really proving that they know the meaning of giving back to their community. You will find the Kids Pages Cares booth in the FlatIrons Mall Food Court, right next to the Customer Service booth by the doors exiting to the outdoor ice rink.

DirectMatches

Posted by Silke Wurbs on December 6, 2008 at 2:17pm

DirectMatches

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DirectMatches.com offers free matchmaking and personals for people seeking friendship, any private interest, employment, romance or professional contacts.Busy Professional with no time to network? Post a professional photo profile at DirectMatches.com and let people come to you!Join DirectMatches for Free - Search, Flirt, Chat and Email!Looking for True Love, find the PerfectMatch! DirectMathes.comDirectMatches.com - Personals to find the right relationship. Browse our photos free. Give it a try!DirectMatches.com networks people. A proven leader in online matchmaking services, with revolutionary tools to help millions find their perfect business, job or dating match.

You can start for free and with our help you can grow up to build a fortune in our team. Interested? , then join for free and we will help you to get most out of it http://www.directmatches.com/businessboom4u

Insidertipp

Posted by Silke Wurbs on December 6, 2008 at 2:00pm

Was wäre, wenn Sie sich damals bei eBay, Google und Co hätten beteiligen können? Würden Sie eine derartige Chance mit Ihrem heutigen Wissen in jedem Falle ergreifen? Ja, dann nutzen Sie JETZT die Gelegenheit, sich hier zu informieren und sich von der Chance Ihres Lebens begeistern zu lassen! What would be, if you at that time with eBay, googled itself and had been able to take part CO? Would you seize a such chance with your current knowledge in each case? Yes, then you use yourselves NOW the opportunity, to inform and from the chance of your life to be inspired be able!

Zonta Foothills of Boulder County

Posted by Catherine Lentine on December 4, 2008 at 7:54am

BOULDER WOMAN HONORED FOR FORGING WOMEN'S RIGHTS AROUND THE WORLDZonta Foothills Club of Boulder County, a group dedicated to the advancement of the status of women in Boulder County and around the world, recently honored member Ellen Marshall with the first Zonta Foothills Humanitarian and Advocacy Award in recognition of Marshall's impact in advancing women’s and girls' healthcare, education, economic opportunity and ability to live free of violence internationally and in Boulder County. Marshall was instrumental in forging frameworks by 180 governments reinforcing the tenet that women's rights are human rights and developing action steps for governments and civil society to take to promote health, education and economic security for women. She has spent the last ten years advocating for women's heath in Colorado and in Washington – including helping to shape the U.S. response to the global HIV/AIDS crisis so that it better addresses the way the pandemic is affecting women and youth. She has been an advocate for sound policies in Colorado to make needed investments in education and to protect women’s health rights. Marshall was nominated for the 2008 United Nations International Human Rights Award. The Zonta Foothills award included a contribution in Marshall’s name to the Bev Hackbart Scholarship, which provides tuition support to a single parent attending the University of Colorado – a project of the Zonta Foothills Club, of which Marshall is a member.

Zonta Foothills of Boulder County

Posted by Catherine Lentine on December 4, 2008 at 7:46am

Zonta Foothills Club of Boulder, whose mission is support of women locally nationally and internationally, is awarding $10,310 in financial grants to the following Boulder County based non-profit organizations for 2008-09:CSAW (Collaboration of Sudanese & American Women), a Boulder based organization that provides housing, educational opportunities, health service, language assistance, job search and mentoring, to Sudanese refugee women and children through community partnerships and support services.Safe Shelter of St. Vrain Valley, offering emergency and non-emergency services 24/7 for women and children seeking help, has provided shelter, food, support and community education for 30 years.Attention Homes, which provides emergency & short term residential shelter, care, counseling & treatment, to at-risk teens.MESA (Moving to End Sexual Assault) offers crisis intervention, counseling services, case management, community referrals, and medical and criminal justice advocacy to sexual assault survivors, as well as a 24-hour rape crisis hotline.Boulder County Imagination Library Program, run by Foothills United Way, provides preschoolers (ages 0-4) with books, preparing them for school. Approximately 600 students have been in the program this year. Zonta’s support will help to buy books.Boulder Valley Women’s Health provides low-income and uninsured women and teens with reproductive healthcare and preventive care, as well as education and outreach, serving 5,300 clients per year.Carriage House Homeless Community Center offers transition assistance and daytime services to homeless adults in Boulder. Immediate survival needs are met, and services are provided leading to employment, housing, personal stability and healing. Zonta’s support will help with the purchase of needed prescriptions.Fairview High School’s Teen Parenting Program provides counseling and care for pregnant teens and their children. Zonta volunteers also provide volunteer support in tutoring, child care, and tranportation.

Colorado Shakespeare Festival's Holiday Play - A Child's Christmas in Wales

Posted by Shoshana Fanizza on December 3, 2008 at 4:47pm

Dylan Thomas' A Child's Christmas in WalesA Classic Story of Imagination and The Joys of Holidays PastAdapted by Philip Charles Sneed and The Foothill Theatre Company, Nevada City, Calif.Directed by Philip C. SneedNovember 26-December 31, 2008, in the University Theatre Main StageFilled with music and laughter, celebration and nostalgia, A Child's Christmas in Wales embodies the power of storytelling, and the meaning of festivity. Free of the usual holiday clichés, this delightful piece is an engaging tribute to childhood viewed fondly through the veil of memory. A Child's Christmas in Wales is an original adaptation of the funny yet lyrical short story by Dylan Thomas. It's a special experience for both children and adults.***************************************************************************************The Colorado Shakespeare Festival is offering groups of 10 or more 25% off the regular ticket price. Also, there is a Holiday Flexible 5 Pack available for 20% savings and a single ticket code for 10% off. I am able to help you with all of these great savings packages. Tickets start at $10!I can send you the calendar of performance dates and all the information that you can pass onto your group. It would make an extra special gift for the holidays! We also have catering and rooms available for a unique holiday party option.Thanks so much for your consideration, and I look forward to hearing from you!Contact Shoshana at: csfgroups@buildmyaudience.com

Top 5 Ways To Help The Cottonwood Institute Thrive!

Posted by Cottonwood Institute on December 3, 2008 at 11:33am

As the end of the year approaches and you decide what charities to support this year, we hope you will consider the Cottonwood Institute. We accomplished amazing results in 2008 and we could not have done it without the generous support of individuals like you! In these challenging economic times, we wanted to offer the Top 5 Ways To Help The Cottonwood Institute Thrive in 2009 and beyond:

1. Donate before December 31st and double your impact. Whether you have donated in the past or you are a first time donor, all donations made by December 31, 2008 will be matched 100% up to $5,000 through two generous matching gift challenges. If you have already made a financial contribution this year, help us spread the word by telling a friend about us. Let them know that you support the Cottonwood Institute, encourage them to visit our New Website, and let them know about our matching gift challenge. Donating is easy: You can Donate Online or send in a check made payable to Cottonwood Institute to PO Box 7067, Denver, CO 80207.

2. Take a 2009 Course or give one as a gift. We have new and exciting 1-2 day Survival Workshops for adults and week-long Summer Courses for high school and middle school students in 2009. Our courses make an excellent gift for children, grandchildren, and adults that want to practice survival skills and make a difference in the world! Visit our 2009 Course Schedule and Register For A Course Today!

3. Shop with a conscience online. In the spirit of the holidays, you can Shop Online and benefit the Cottonwood Institute. Looking for the perfect holiday gift? Consider an Official Cottonwood Institute Survival Kit or Survival Knife. Best of all, we are offering free shipping for the month of December! If you like to shop online, consider using GoodShop to shop at stores like Amazon.com, J. Crew, Banana Republic, Nordstrom, Gap, Macy's, Old Navy, and more! A percentage of each online sale will go to the Cottonwood Institute and we will use the funds to support our public school programs, so you can shop till you drop!

4. Gift of Stock. Let's face it, stocks were hammered in 2008. As you create a new investing strategy for 2009 and beyond, you may want to consider the tax advantages of donating some of the poor performing stock in your portfolio to the Cottonwood Institute. To make a gift of stock, contact your financial advisor to see if it makes sense for you and then call us at 303.447.1076.

5. Wish List. If you are looking for non-financial ways to support the Cottonwood Institute, please visit our Wish List online. From winter camping gear to digital video cameras, you may have something lying around the house that can help support our programs. Don't forget, most donations from our wish list are tax-deductible!

Respectfully,

Ford Church, M. A., Founder and Executive Director

Cottonwood Institute

303.447.1076

Give a real gift this holiday season!

Posted by Kelly Doyle Duncan on December 3, 2008 at 8:55am

The Family Learning Center Launches its Holiday Toy Driveand Adopt-a-Family Gift Giving DriveBoulder, Colo., December 3, 2008 - The Family Learning Center, a Boulder non-profit dedicated to encouraging successful lifelong learning and economic self-sufficiency for families of diverse cultures and limited incomes, is hosting a holiday toy drive and an adopt-a-family gift giving drive to support low-income families in Boulder this holiday season.• The Holiday Toy Drive will run until Wednesday, Dec. 23, and seeks new, unwrapped toys for children 2 to 14 years. Toys can be dropped off from 8:30 am-4 pm, Monday-Friday at the Family Learning Center, 164 34th Street, Boulder, CO 80301.• The Adopt-a-Family Gift Giving Drive helps individuals in the community help low-income families and children this holiday season. The Family Learning Center has more than 200 families in need, ranging from a single parent with one child, to two-parent families with six or more children. Adopting families usually provide a grocery gift card and toys or clothing for each child in the family. Larger familes can be adopted by church groups or one or more families.Families or individuals wishing to adopt a family or a child, should contact the Family Learning Center at 303-442-8979 or email at info@flcboulder.org.About The Family Learning CenterSince 1981, the Family Learning Center has provided Boulder County's low-income, culturally diverse children and families with the lifelong tools necessary for self-sufficiency and success. The Center provides educational, crisis intervention, computer technology, college-prep and family support services for approximately 2,000 children and their families each year. For more information, please visit www.flcboulder.org

Danse Etoile Ballet auditioning dancers to perform in next production at the Dairy Center for the Arts March 6, 7 and 8

Posted by Danse Etoile Ballet on December 2, 2008 at 9:16am

Dancers modern/ballet/jazz to perform in our next production March 6, 7 and 8.Rehearsal saturdays 1pm to 3pm starting January at Danse Etoile's studio 3400 Industrial lane.Dancers age limit 12 years old/ 30 years old.Call 720 938 3030.email mariejose@danseetoile.org

Europe - Telecoms, Mobile and Broadband in the Balkans East - Greece, Romania, Bulgaria: new report from Bharatbook

Posted by Bharatbook on December 2, 2008 at 2:52am

Annual publication 2008 Europe - Telecoms, Mobile and Broadband in Balkans (East) profiles the region’s three largest countries: Greece, Bulgaria and Romania.Impacting on the telecom markets of these three countries is EU-mandated competition, decreasing prices and leading to the introduction of new services by both competing operators and incumbents alike. This report offers an informative insight into the Balkans (East) region, covering regulatory developments, major players in the fixed-line, broadband, convergence and mobile markets, the development of new product offerings for the aforementioned markets, as well as presenting a wide variety of industry-related statistics in addition to broadband penetration forecasts to the year 2018.Key highlights:• Customer churn levels and the level of competition is expected to increase in Romania in 2009 following the introduction of number portability for both the fixed and mobile markets in October 2008. For the country overview, see chapter 3, page 55.• Competition in Bulgaria and Romania will improve in the future as each country’s respective regulator completes market analyses during 2009/10 and imposes obligations on SMP operators (ie, incumbents) to improve competition, particularly in fixed-line markets.• Healthy infrastructure-based competition exists in the broadband markets of Bulgaria and Romania due to well established cable TV providers as well as a large number of informal LANs.• Within Greece the actions of the regulator has improved the wholesale market, with wholesale accounting for over 40% of total DSL connections, the overarching technology platform for broadband access in Greece. For the country overview, see chapter 2, page 26.• The state of the wholesale DSL market in Bulgaria and Romania is expected to pick up once regulators complete market analyses during 2009/10 and oblige incumbents to offer network access.• IPTV take up is on the rise in all three countries, as incumbents and telecom operators acquire additional content and improve service offerings. In Bulgaria and Romania cable operators are fighting back by launching triple play offerings.• Mobile operators have once again focused on mobile data, leveraging now widely-available EDGE/WCDMA/HSDPA networks to launch aggressively priced mobile broadband access with prepaid data bundles.• With mobile voice markets at saturation, the underdeveloped mobile broadband market is the new revenue growth opportunity and hence competitive battleground for mobile operators, with competition expected to put downward pressure on tariffs in 2009 and beyond. This in turn will negatively impact other wireless broadband providers, particularly the WiMAX service providers, given the market power of the mobile operators and the reach of their networks.Balkans (East) – mobile subscribers and penetration rate – March 2008Country Subscribers PenetrationBulgaria 10,000,000 137%Greece 15,400,000 138%Romania 24,600,000 110%(Source: Based on ITU and Global Mobile data)This report Subjects include:Market and industry analyses, trends and developmentsFacts, figures, statistics and broadband forecasts to 2017Industry and regulatory issuesResearch, Marketing, BenchmarkingMajor Players, Revenues, Subscribers, Network deploymentsVoIP, ADSL, ADSL2+, FttH, LAN, WiFi, WiMAX, IPTV, VoD, triple play, digital TV, DTTV, 3G, i-mode and HSDPAFor more information please visit: http://www.bharatbook.com/productdetail.asp?id=84342Bharat Book Bureau207, Hermes Atrium, CBD Belapur, Navi Mumbai - 400 614, India.Phone : +91 22 2757 8668 / 2757 9438Fax : +91 22 2757 9131E-mail : info@bharatbook.comWebsite : www.bharatbook.com

Denver Foreclosure Tour-Japanese Style! Saturday, December 13, 2008

Posted by Rob Kelly on November 28, 2008 at 9:06am

November 28,2008-Louisville, COwww.DenverForeclosureTour.comMotivated sellers coming together with bargain-hunting buyers is a "once in a lifetime event," says Rob Kelly, Realtor with RE/MAX Alliance real estate in Louisville, Colorado , and organizer of the Denver Foreclosure Tour. "First-time buyers, investors, contractors, or just people with vision, are all perfect matches for these sellers." On Saturday December 13, 2008 from 9-1 PM, Mr. Kelly is taking a bus load of prospective buyers to view 6-8 homes in Thornton, Northglenn and Westminster, CO.International Interest...from Japan!Our first tour on November 15th,2008 was a big hit, and we have since gathered international attention! A film crew from NHK (Japan Broadcasting Corporation) (http://www.nhk.or.jp/nhkworld) will be filming our tour for inclusion in a two-hour New Year's Special program. The Japanese are very interested in how the economic downturn may have affected peoples lives and are very much interested in participating in a Foreclosure Bus Tour.The homes featured will include Bank owned and HUD homes. All are in some state of distress. They may be bank-owned, in need of repair, sitting vacant, have a very motivated seller, or going through a "short sale", a process where the lender discounts a portion of the mortgage balance.For more information go to www.DenverForeclosureTour.com or email rob@RobKellyColorado.com

Bharatbook.com is glad to distribute report on Cyberwarfare

Posted by Bharatbook on November 26, 2008 at 1:59am

Cyber attacks have for some time been no longer in the realm of fiction or film, but a cause for concern in the real world. Although annoying acts such as website defacements and virus spread have become fairly common, the cyber attacks in the Baltic state of Estonia in early 2007 managed to disrupt that country's financial system for a few weeks. There were concerns that this could be just the tip of the iceberg in computer network attacks; certainly, it was an event that showed how effective attacks on IT networks and systems could be, even at national level. Certainly, the consequences would be much more significant if those attacks had occurred on a greater scale, attacking central computers in government, policing and defence, in a nation or group of nations. It has been suggested that those attacks were a foretaste of what dedicated hackers belonging to terrorist groups or hostile powers could do, constituting a new form of warfare - cyberwarfare. Such threats would be far more serious than those of amateur hackers, despite the inconvenience these have caused. Furthermore, professional hacking groups or cells are likely to be far harder to repel, locate, close down, capture and convict.The cyberwarfare market is already large and growing, with most of the spending at present devoted to cyber defence.Expects the market to grow consistently from 2008 onwards. Rumours of developing cyber offensive capabilities and actions will further induce nations to do more to protect their vital networks, as well as stimulate the development of cyberwarfare capabilities as a natural progression in defence. The interest is strong among many nations to develop or improve their abilities to deal with cyberwarfare, providing significant opportunities for companies involved in computer protection and IT systems hardware, software and services in general.There is now a realisation among many governments and militaries that "cyberspace" has become a new battleground, possibly on par with other recognised battle spaces in conventional warfare and defensive operations.This new report - Cyberwarfare, 2008-2018 - describes the present and potential market for defence cybersecurity and related defensive operations, with relevant data and informed opinion. This information is equally valuable to both defence procurement operations and to relevant technology providers.This report provides a market outlook for cyberwarfare, focusing on the following aspects:• Overview of the threats from cyber attacks as well as key tools and solutions.• A survey of cyber attack incidents and resulting programmes in key countries in Europe, North America and the Asia-Pacific.• A discussion of factors that influence the development of the cyberwarfare market.• Key companies involved in the cyberwarfare market, including government and military cybersecurity.• Forecasts for the 12 leading national markets.• Experts’ views on the issues and outlook for cyberwarfare, including 5 full transcriptions of interviews with leading authorities.Believes that the cyberwarfare market has the capability to expand steadily from the present onwards throughout the foreseeable future. Governments and private organisations are preparing for the real threats of attacks at innumerable potential locations in their vast information systems networks. The increasing sophistication of, and growing reliance, on computer systems and networks by the military, government agencies and critical infrastructure makes security there imperative. Potentially, hostile forces could cause more disruption by those means than by conventional military and terrorist attacks, especially with heightened physical security after the September 11 attacks in the US and later bombings in Madrid and London.Believes that cybersecurity is among the key areas in which militaries and governments will invest significantly, despite the global economic downturn in 2008. Conventional thinking in governments and militaries is that prevention is far better than dealing with the consequences of breached information systems, whether the purpose is spying, disruption or destruction. The risks are simply too great, with IT security companies benefiting from this growing and potentially vast market. Furthermore, IT security is a fast-developing industry, where technological developments in hardware and software, combined with the development of hacking and virus-spreading techniques, demands constant development and updating, with large potential for long-term repeat sales of products and services.For more information please visit: http://www.bharatbook.com/detail.asp?id=84451OrContact us at:Bharat Book Bureau207, Hermes Atrium, CBD Belapur, Navi Mumbai - 400 614, India.Phone : +91 22 2757 8668 / 2757 9438Fax : +91 22 2757 9131E-mail : info@bharatbook.comWebsite : www.bharatbook.com

Rocky Mountain Revels Returns to the Boulder Theater, December 14th and 20th

Posted by Liz Ryan on November 25, 2008 at 8:58pm

This year's Rocky Mountain Revels production of "A Pioneer Christmas" is coming to the Boulder Theater on December 14 and December 20, and we would love for you to join us! "A Pioneer Christmas" is a celebration of Colorado circa 1890 in song, dance and stories. Fifty Boulder professional and amateur musicians including Boulder Philharmonic Concertmaster Gregory Walker will participate in "A Pioneer Christmas," featuring favorite songs like "Wait for the Wagon," and "Sweet Betsy from Pike" and an authentic 19th-century melodrama as well as Revels stalwarts "Lord of the Dance," "Sussex Mummer's Carol" and the Sword Dance. Join us for a wonderful holiday event, in its eighth year in Boulder! Tickets are available at the Boulder Theater, www.bouldertheater.com

Cottonwood Institute Launches New Website!

Posted by Cottonwood Institute on November 24, 2008 at 4:33pm

After many long hours and a lot of hard work, the Cottonwood Institute is excited to announce the launching of its new website! In addition to being much easier to navigate, the site offers a variety of new features and course listings that we can't wait to share with you.Under the Courses Section of the homepage you will find newly designed summer programs for students such as the Mountain Biking Survival Project, where students can get dirty riding the trails of Colorado while learning important wilderness survival skills. We have also designed new 1-day workshops for Schools & Community Organizations that would like to bring a more enriching experience to their students without incorporating a full semester long class into their schedule. These include courses such as Avalanche Science the Physiology of Survival.Have you ever wondered how much you impact the environment just by driving your car or taking out the trash? In the Community Resources Section of the homepage you can learn how to Reduce Your Environmental Footprint, fascinating Green Facts, and Sustainability Resources for the classroom and for your own personal use. Increase your awareness and knowledge of the environment and take action!While exploring the new Cottonwood Institute website, check out the Why Us section where you can enjoy the short Videos and Photos from this past Summer Courses.And don't forget to visit the Cottonwood Institute Store! The holiday season is upon us once again and we just might have the perfect holiday gift you've been looking for.We wanted to give a special shout out to our friends at Unique Blog Designs for doing a fantastic job and to our board member Mikal Belicove for overseeing the project. Enjoy the website and we'll see you at: CottonwoodInstitute.org!

Share Your Holiday Memories With Us!

Posted by Boulder Creek Events on November 20, 2008 at 4:00pm

Email your family’s favorite WinterSkate photos to Boulder Creek Events to have the opportunity to possibly be selected to appear in the following:• In the 2009-2010 WinterSkate press releases• On the Boulder Creek Events Web site• Publications such as Yellow Scene Magazine, Westword, Rocky Mountain News, Colorado Parent Magazine, Boulder Magazine, and more!For more information, please contact Meg Denbow, Boulder Creek Events Director of Development & Marketing: mdenbow@bouldercreekevents.com.Happy Skating!

THE ART UNDERGROUND UNVEILS HOLIDAY ART PROGRAMS

Posted by Claire Clurman on November 19, 2008 at 9:56pm

The Art Underground located at 901 Front St. in Historic Downtown Louisville, will be holding its 1st Annual Holiday Gift Sale and Make-A-Gift Event on Saturday, December 6th from 10 a.m. to 3 p.m. Call 303-229-1127 for more information or visit www.theartunderground.org.“This unique celebration of art will display a wide variety of holiday treasures for sale by local artisans,” says Lori Jones, Founder and Executive Director of The Art Underground. “In addition, we will offer Make-A-Gift where kids and youth of all ages can create fantastic crafts to give as gifts for family and friends. They can be taken home wrapped and ready to give!”Another special holiday class offering will be Holiday Woodcarving on December 14 from1-4 p.m. at The Art Underground. Instructed by European-trained woodcarver, Joseph Sikora, adults and high school students will learn to design, carve and paint wooden holiday tree ornaments.Online registration for Winter/Spring Classes will begin December 10. There will be many new and exciting opportunities to choose from in addition to a full slate of dance classes: full art enrichment days for preschoolers, The Aristocrats musical production for 2nd-5th graders, Arts Sampler and Popcorn Theatre for 6-10 year-olds, and Middle School acting, art, photography and film classes. A Friday Middle School Arts Punch Card Program will highlight three rooms of activity including filming, photo editing, hip hop, improv, juggling and more to keep young teens in tune with the arts. Register by calling 303-220-1127 or online after December 10 at www.theartunderground.org.The Art Underground is a non-profit organization located in Historic Downtown Louisville that offers dance, theatre, music, photography, film and visual arts classes for all ages. Founded in 2007 by concerned parents and community leaders, The Art Underground also hosts art galleries/exhibitions and other events that promote opportunities for patrons and artists to connect and support a growing arts community in East Boulder County.###

Note: this page contains paid content.

Note: this page contains paid content.

Note: this page contains paid content.