Free business health check service for retail businesses | Tower Blog

For years Tower Systems has offered a free retail business health check service to retailers using its Point of Sale software. This service provides an independent perspective of the performance of the business and how the software is being used in the business.

In addition to suggestions on business growth opportunities reflected in the business data, the retail business health check considers efficiency opportunities ? to help retailers using the Tower software to get more from their IT investment.

Tower is well positioned to provide this advice and share the insights because of its many years owning and operating hits won retail businesses.

There has been a surge in 2012 in retailers wanting to participate in the retail business health check service thanks to good word of mouth from others who have engaged.

All information provided by and to participating retailers is confidential.

This is customer service beyond what us usual for a Point of Sale software company. It takes the relationship between Tower Systems and participating retail businesses to a new level, delivering a value from the relationship way beyond the traditional software help desk relationship. The results of the service alone can free cash and or drive revenue to easily pay for the entire system investment.

Tower Systems is very proud of the point of difference of the free retail business health check service.

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Improving the Worth of Properties in Toronto by Using A number of ...

The roof can define the personality of your house over any of its outer attributes. Being the topmost part, the roofing is the most visible part of your property, which makes it reign over the exterior structure by being promptly apparent from afar.

Being above, however, can be either advantageous or detrimental. Because it shields the top portion of a building, it serves as a defense against the weather, but its inaccessibility causes it to be least visited or kept. The second item is due to its exposure, or non-visibility, even though it is certainly one of the most essential parts of the property.

The roof is extremely important that a small problem can impact the entire home in various means. Its suitable upkeep must be among the homeowner's top worries. Because roofs are often difficult to access without using a extended step ladder, the owner must take added efforts during roof examination and maintenance.

In Canada, specifically in a metropolitan setting like Toronto, properties come in different styles. While the predominant climates decide on the type of roof materials utilized in the town, the structure usually takes precedence as the basis of choice. A southern colonial house would certainly not look good with cedar shakes roofing, while metal roofing may not be befitting a rustic design house.

Like in different parts of the country, asphalt shingles are the most typical roofing materials in Toronto. Not only cheap, they can also be adapted to practically any house structures and are simple to mount. This is one cause most households choose this material for set up by roofing contractors in Toronto.

A roofing company Toronto based contractor also provides other sorts of roofing materials to homeowners for example concrete tile roofing. Ceramic tile tagged as among the most versatile materials because it can be made to look like terra-cotta tiles, shake, and slate. This roofing material is also very durable and can endure longer than most of the other commercially ready roofing materials.

While many roofing materials fit your home style, you might not need to substitute your roof at once. It is best to first hire professionals on roofing repair Toronto contractors provide to assist you in figuring out your roof's condition-only following their assessment should you choose the kind of roofing material you want for your roof. No matter what roofing material satisfies your budget and preference, you can rely on expert contractors to help you select correctly. If you wish to have more information on this topic, check out the website, homerenovations.about.com.

If you have questions, please visit us at www.AlpineRoofing.ca for complete details and answers.

Keywords: roofing company Toronto, roofing contractors in Toronto,roofing repair toronto

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Boston, Massachusetts - Risk Management Jobs

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Risk Manager I

Job ID: 10292094 Position Title: Risk Manager I Company Name: Citizens Bank Location(s): Boston, Massachusetts, 02101, United States ?

Posted: May 25, 2012 Job Function: Commercial Banking and Lending, Risk Management Entry Level: No Job Type: Full-Time

The Risk Manager will support the development, execution and maintenance of the Risk Management framework.? Will assist managers in institutionalizing operational, enterprise and regulatory risk management programs.? This will include the implementation and maintenance of risk management framework that includes business unit requirement, effective internal control processes and self-monitoring practices, and the assessment, tracking and reporting issues.? Will ensure timely communication of pertinent analysis of monitoring and validation efforts.? Will provide knowledge and expertise as directed on the appropriate implementation of the rules and standards through policies and procedures and other guidelines. Specifically, the Risk Manager will support the risk program for Global Markets including FX and Interest Rate Derivatives.? Further, the role will: Support the continued development, implementation, execution and maintenance of the Risk Management framework for Global Markets including FX and Interest Rate Derivatives front office sales. Assist business line managers in institutionalizing operational, enterprise?and regulatory risk management programs to support their semi-annual control certification and audit preparedness. Provide knowledge and expertise, as directed, on the appropriate implementation of Regulations, Rules, Group Policy and industry standards through procedures, other guidelines, and industry best practices. Develop, monitor, and validate key risk indicators including communication of pertinent analysis and results to support the assessment of the adequacy and effectiveness of key controls. Complete Control and Risk Assessments for Operational & Regulatory compliance, including tracking, reporting and timely closure of issues in the system of record. Function/Deliverables continued:? Leadership Accountabilities ?Business Management & Planning:? Implementation and delivery of business plans and targets. Plan, allocate and organize team resources to meet the business plan. Process/Continuous Improvement:? To initiate and support process improvement activity and help to embed a culture of continuous improvement.? To facilitate change through projects. Customer Service:? Be a role model to drive customer service values and effective management of customer concerns and issue resolution.? To set expectations of customer service excellence delivery and ensure all department SLAs are met and/or exceeded. Risk Management:? Identify and manage the risk, minimizing the outcome and escalating where appropriate Stakeholder Management: Develop and maintain effective working relationships.? Partner with other department and/or divisions with common goals. Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience.? Be flexible to react and/or implement change initiatives. Team Leadership:? Develop, plan and implement activities that will enable a highly motivated and highly performing team to deliver team objectives.? Fostering an environment of cooperation and change. Recruitment & Induction:? Identify hiring needs and make hiring decisions. ?Oversee the new hire orientation process for new team members. Team Development:? Create, plan and implement activities that will support the development of team members. Performance management: Ensure team meets agreed service levels Coach and develop staff Review each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors. Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors (?what? is expected and ?how? they are expected to achieve objectives).

Qualifications Excellent analytical skills Excellent writing and verbal skills Advanced knowledge of MS Word Advanced knowledge of MS Excel/PowerPoint In-depth knowledge of regulatory compliance requirements and risk management principles. In-depth knowledge of financial services industry Excellent interpersonal skills Knowledge of financial services industry Bachelor Degree required, Master?s degree preferred 8 years, Analytical, Compliance, Risk, risk or audit experience

Hours and Work Schedule Hours per Week:?? 40 Work Schedule:??? Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

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Finding Growth in Low Volatility Stocks and ETFs - Investment U

by Alexander Green, Investment U Chief Investment Strategist
Friday, May 25, 2012: Issue #1781

Historically, low volatility stocks have performed as well as the broad market with far less risk.

As a financial writer, I am regularly inundated with friends and family members who ask two familiar questions.

The first is, ?Where can I park my money these days to earn a decent yield without any downside risk??

They don?t want to hear it, but I tell them the truth anyway. ?Nowhere. If you want yield, you have to take risk. And if you want a high yield, you have to take considerable risk.?

The second most frequently asked question is, ?Is there a way I can invest in stocks without having to endure all that neck-snapping volatility??

Here the answer is a bit more nuanced. There are things you can do to soften the curves in your equity portfolio, from running trailing stops to selling covered calls, ideas we?ve talked about here before.

But there is another alternative, one that even widows and orphans can embrace: low volatility stocks ? and the ETFs that invest in them.

Four Low Volatility Stock Funds to Consider

Take the PowerShares S&P 500 Low Volatility Portfolio (Nasdaq: SPLV), for example. Since its inception a year ago, investors have plunked more than $1.6 billion into the fund. And they have been amply rewarded. Despite its somewhat stodgy portfolio ? filled with names like Coca-Cola (NYSE: KO), Kellogg (NYSE: K) and Procter & Gamble (NYSE: PG) ? the fund is up 9% year-to-date.

(I should warn here that funds like these do go down from time to time, just less than the broad market ordinarily.)

There are plenty of reasons to believe this will continue to be a good investment going forward. Plenty of academic and industry research confirms that safe, well-established companies provide generous returns to investors over the long term, without the sleepless nights. It seems counterintuitive, but low-risk, low-valuation, higher-yielding stocks have fared as well or better than go-go growth stocks over the long haul.

And today there are 14 different funds that bill themselves as low-beta investments. For example, the iShares MSCI Emerging Markets Minimum Volatility Index Fund (Nasdaq: EEMV) holds more conservative blue-chips in Latin America, Eastern Europe and Asia. It would be a good choice for a retirement account or a college fund for a child or grandchild with five or more years until matriculation.

If you are too conservative to invest in emerging markets ? a mistake, in my view, given their attractive prospects ? you might consider the Russell Developed ex-U.S. Low Volatility ETF (Nasdaq: XLVO). Or, if you want to invest globally but without a particular emphasis on emerging markets, consider the iShares MSCI All Country World Minimum Volatility Index (Nasdaq: ACWV).

Low Risk, High Return

You?ve heard the old investors? saw that risk and return go hand in hand, that you have to take more risk to get better returns. But there are exceptions. Low volatility stocks are one of them. Historically, they have performed as well as the broad market with far less risk.

If you know someone who has a low stock allocation ? or no stock allocation ? because they were burned during the market meltdown of 2008 or during the sudden downdraft of last year?s third quarter, low-volatility ETFs are a good solution.

And when I find that special investment with a decent yield and no downside risk, I?ll let you know that, too.

But don?t hold your breath?

Good Investing,

Alexander Green

Finding Growth in Low Volatility Stocks and ETFs, 4.0 out of 5 based on 1 rating

VN:F [1.9.16_1159]

Rating: 4.0/5 (1 vote cast)

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Police: Tapes could hold clues to more Manson Family murders

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All Commercial Real Estate Sectors Continue to Improve, Multifamily ...

WASHINGTON, DC, May 24, 2012 (MARKETWIRE via COMTEX) ? Shaking off a prolonged impact from the recession, fundamentals are gradually improving in all of the major commercial real estate sectors, according to the National Association of Realtors(R) quarterly commercial real estate forecast. The apartment rental sector has fully recovered and is growing.

The findings also are confirmed in NAR?s recent quarterly Commercial Real Estate Market Survey, which collects data from members about market activity.

Lawrence Yun, NAR chief economist, said new jobs are the key. ?Ongoing job creation, which is at a higher level this year, is fueling an underlying demand for commercial real estate space, assisted by a steady increase in consumer spending,? he said. ?The pattern shows gradually declining commercial vacancy rates, with consequential but generally modest rent growth.?

Yun expects the economy to add 2 to 2.5 million jobs both this year and in 2013, on the heels of 1.7 million new jobs in 2011, assuming a new federal budget is passed before the end of the year. ?Although we need even stronger job growth, by far the greatest impact of job creation is in multifamily housing, where newly formed households striking out on their own have increased demand for apartment rentals ? this is the sector with the lowest vacancy rates and strongest rent growth, which is attracting many investors.?

Rising apartment rents also are having a positive impact on home sales because many long-time renters now view homeownership as a better long-term option, Yun noted.

A large problem remains for purchases of commercial property priced under $2.5 million. ?Our recent commercial lending survey shows that there is very little capital available for small business, which is significantly impacting commercial real estate transactions, although funding is less restrictive for bigger properties.?

NAR?s latest Commercial Real Estate Outlook(1) offers projections for four major commercial sectors and analyzes quarterly data in the office, industrial, retail and multifamily markets. Historic data for metro areas were provided by REIS, Inc.,(2) a source of commercial real estate performance information.

Office Markets Vacancy rates in the office sector are projected to fall from 16.3 percent in the second quarter of this year to 16.0 percent in the second quarter of 2013.

The markets with the lowest office vacancy rates presently are Washington, D.C., with a vacancy rate of 9.3 percent; New York City, at 10.0 percent; and New Orleans, 12.6 percent.

Office rents should increase 2.0 percent this year and 2.5 percent in 2013. Net absorption of office space in the U.S., which includes the leasing of new space coming on the market as well as space in existing properties, is forecast at 24.7 million square feet in 2012 and 48.0 million next year.

Industrial Markets Industrial vacancy rates are likely to decline from 11.0 percent in the current quarter to 10.7 percent in the second quarter of 2013.

The areas with the lowest industrial vacancy rates currently are Orange County, Calif., with a vacancy rate of 4.7 percent; Los Angeles, 5.0 percent; and Miami at 7.2 percent.

Annual industrial rent is expected to rise 1.6 percent in 2012 and 2.4 percent next year. Net absorption of industrial space nationally is seen at 44.1 million square feet this year and 62.4 million in 2013.

Retail Markets Retail vacancy rates are forecast to decline from 11.3 percent in the second quarter to 10.7 percent in the second quarter of 2013.

Presently, markets with the lowest retail vacancy rates include San Francisco, 3.7 percent; Fairfield County, Conn., at 4.0 percent; and Long Island, N.Y., at 5.0 percent.

Average retail rent should rise 0.8 percent this year and 1.3 percent in 2013. Net absorption of retail space is projected at 8.0 million square feet this year and 21.9 million in 2013.

Multifamily Markets The apartment rental market ? multifamily housing ? is likely to see vacancy rates drop from 4.5 percent in the second quarter to 4.3 percent in the second quarter of 2013; apartment vacancy rates below 5 percent generally are considered a landlord?s market with demand justifying higher rents.

Areas with the lowest multifamily vacancy rates currently are New York City, 2.1 percent; Portland, Ore., at 2.3 percent; and Minneapolis at 2.4 percent.

After rising 2.2 percent last year, average apartment rent is expected to increase 4.0 percent in 2012 and another 4.1 percent next year. ?Such a rent increase will raise the core consumer inflation rate. The Federal Reserve, in turn, may be forced to raise interest rates, possibly as early as late 2013.?

Multifamily net absorption is forecast at 215,900 units this year and 230,300 in 2013.

The Commercial Real Estate Outlook is published by the NAR Research Division for the commercial community. NAR?s Commercial Division, formed in 1990, provides targeted products and services to meet the needs of the commercial market and constituency within NAR.

The NAR commercial components include commercial members; commercial committees, subcommittees and forums; commercial real estate boards and structures; and the NAR commercial affiliate organizations ? CCIM Institute, Institute of Real Estate Management, Realtors(R) Land Institute, Society of Industrial and Office Realtors(R), and Counselors of Real Estate.

Approximately 78,000 NAR and institute affiliate members specialize in commercial brokerage and related services, and an additional 232,000 members offer commercial real estate services as a secondary business.

The National Association of Realtors(R), ?The Voice for Real Estate,? is America?s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries.

(1)Additional analyses will be posted under Economists? Outlook in the Research blog section of Realtor.org in coming days at: http://economistsoutlook.blogs.realtor.org/ .

(2)Beginning in the third quarter of 2011, NAR forecasts have been generated based on historical data provided by REIS, Inc., and do not correspond with prior historical information from previous forecasts. This source permits coverage of additional metro areas than previously reported.

The next commercial real estate forecast and quarterly market report will be released on August 27 at 10:00 a.m. EDT.

Information about NAR is available at www.realtor.org . News releases are posted in the website?s ?News and Commentary? tab. Statistical data in this release, as well as other tables and surveys, are posted in the ?Research and Statistics? tab of www.realtor.org .

Click here to view the orignal press release on May 24, 2012 by the Wall Street Journal MarketWatch.

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Can People Please Stop Saying Abortion Causes Breast Cancer ...

• Abortion does not cause breast cancer. ?The American Cancer Society, the National Institutes of Health and the American Congress of Obstetricians and Gynecologists all agree on this point. You can read about it here.?But that hasn?t stopped anti-abortion activists from touting a non-existant breast cancer/abortion link to try to scare women away from terminating unwanted pregnancies. In fact, Kansas and New Hampshire have both recently seen bills that would require doctors to tell women about the ?link.? WTF, people?! [Slate]
• Sixty-four allegations of sexual misconduct have been made against Secret Service agents in the past five years, a Congressional panel heard today. Most of the incidents involved emails, but one involved sexual assault. [BBC]
• A New Jersey memorial remembering Korean ?comfort women? ? i.e. women and girls held as sex slaves by Japanese soldiers during World War II ? has become a point of contention for locals. [NJ.com]?
• A women?s shelter in the remote Alaskan village of Emmonak ? which boasts no doctor and only one state trooper ? is facing closure after the state eliminated funding for the shelter. [New York Times]
• An explicit, yet fake, image of New York Daily News columnist S.E. Cupp with a penis in her mouth inside?Hustler magazine has everybody pissed off. [Mediaite]?
• New York state is considering the Child Victims Act, a bill which will extend the statute of limitations on sexual violence until the victim turns 28 years old. [New York Daily News]
• On the media?s sleazy treatment of trans women. [Alternet]
• On actress Abigail Breslin and the new generation of female action heroes. [Think Progress]

INTERNATIONAL

• The African countries of Sierra Leone, Liberia and Ivory Coast need more funding to address violence against women, according to a new report by the International Rescue Committee. [Guardian UK]
• How can Egyptian politicians in today?s election appeal to the country?s women? [BBC]
• Gun ownership is becoming increasingly popular among Indian women who want to protect themselves from violence. [Guardian UK]
• The ?mobile services company Orange has pulled its support of the Orange Prize, an award in the UK given to fiction written by women. [Isak]
• Meet Commander Sarah West, the first woman to take command of a major British war ship. [Guardian UK]

Contact the author of this post at Jessica@TheFrisky.com. Follow me on Twitter at @JessicaWakeman.

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