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MENLO PARK, Calif.儲存, Aug. 14, 2013 /PRNewswire-USNewswire/ -- A new Kaiser Family Foundation analysis estimates that Americans who currently buy their own insurance through the individual market would receive tax credits averaging nearly $2,700 next year for coverage purchased through new insurance marketplaces. The tax credits or subsidies would cover 32 percent of the premiums on average for this group of enrollees in a so-called "silver" plan.The new analysis by Foundation researchers comes as some states are releasing information on what premiums will be in 2014 when the Affordable Care Act's market reforms and newly created health insurance marketplaces take effect. These rate announcements illustrate "sticker prices" that do not reflect federal subsidies that will offset the cost of insurance for many current individual market policy holders."Tax subsidies are an essential part of the equation for many people who buy insurance through the new marketplaces next year," Foundation President and CEO Drew Altman said. "They will help make coverage more affordable for low- and middle-income people."Tax credits will be available to subsidize premiums for people who buy their insurance in the new marketplaces, do not have access to other affordable coverage, and have incomes between 100% and 400% of the federal poverty level (between about $11,500 and $46,000 for a single person, and $24,000 and $94,000 for a family of four).An estimated 48% of people who currently have individual market coverage will be eligible for tax credits, the analysis finds. Tax credits among those eligible will average $5,548 per family, and subsidies will average $2,672 across all families now purchasing their own insurance. Many people who are now uninsured will also be eligible for subsidies in the new marketplaces, and their tax credits will likely be higher on average since they have lower incomes than those who now buy their own coverage.There are many reasons why premium costs in the individual insurance market will change under the ACA before tax credits are applied. For instan新蒲崗迷你倉e, insurance companies will be prohibited from discriminating against people with pre-existing conditions, leading to higher enrollment of people with expensive health conditions. More young, healthy people may also enroll due to the ACA's individual mandate and premium subsidies. Furthermore, insurance providers will be required to meet a minimum level of coverage that will raise premiums for people buying skimpier coverage today, but also lower their out-of-pocket costs on average when they use those services. Premiums before and after the law goes into effect are not necessarily comparable, as health plans in the new marketplaces will be required to cover a broader range of services than are found in many current individual market policies and the health needs of people who will enroll are likely to be different. The Foundation also has developed a health reform subsidy calculator that estimates the premiums and tax credits available to people next year through the insurance marketplaces, based on their income levels, family size, ages and tobacco use.Methodology Based on data from the Congressional Budget Office (CBO) and the federal government's Survey of Income and Program Participation, the analysis estimates the average impact of the ACA on the individual market by quantifying how current enrollees will fare once relevant provisions of the health law are implemented. Premium data released by states to date suggest that the CBO premium projection is reliable. While subsidies and premiums will vary widely depending on each enrollee's personal characteristics, the analysis focuses on averages to provide an indication of how much overall assistance the law will provide to people buying their own coverage today.The Kaiser Family Foundation, a leader in health policy analysis, health journalism and communication, is dedicated to filling the need for trusted, independent information on the major health issues facing our nation and its people. The Foundation is a non-profit private operating foundation, based in Menlo Park, California.Kaiser Family Foundationmini storage

Source: The Gazette, Cedar Rapids, IowaAug.mini storage 13--UPDATE:The Iowa State Patrol has released the photo of a man who left a deadly crash scene in Johnson County Saturday night. Authorities are asking for the public's help in locating Carlos Berlanga-Cardona. Officials said Berlanga-Cardona was in the truck that ran a stop sign and slammed into a passing SUV on Highway 6 shortly before 7:30 Saturday night.A media release didn't specify whether or not authorities believe Berlanga-Cardona was the driver, but said he left the scene of the accident and was in the truck.Troy Liddell, 48, and his sister-in-law, Kelly Liddell, 50, were both killed in the crash. Three others were injured. Authorities said the driver of the truck that hit them fled on foot after badly damaging the vehicle."Our philosophy is that it is a tragic accident," said Kristy Heffner, Kelly Liddell's sister. "We appreciate law enforcement, [but finding the driver] isn't our focus."Heffner said Kelly, Troy and two other family members were on their way to the Englert Theater to celebrate a birthday at the time of the accident."Kelly is the most generous person I know, she is kind, caring and involved," said Heffnself storager. "She loves the Lord."-----PREVIOUS: Police said they are looking for one of the drivers involved in a crash that killed a two people and injured three others Saturday night.According to an Iowa State Patrol minimal crash report, a 1995 Chevy K2500 pickup was southbound on Jasper Avenue near Tiffin at 7:22 p.m. Saturday. At that same time, a 2008 Nissan Xterra driven by 48-year-old Troy N. Liddell was eastbound on Highway 6.Police said the driver of the pickup ran the stop sign at Jasper and Highway 6 and hit the passenger side of the Xterra.Liddell and his sister-in-law, 50-year-old Kelly R. Liddell of North Liberty were pronounced dead at the scene. Todd N. Liddell, 50, of North Liberty; Troy Liddell's wife, 48-year-old Martha A. Liddell; and a passenger in the pickup, 31-year-old Juan C. Moreno were all injured in the collision and were transported to the University of Iowa Hospitals and Clinics via ambulance.According to the state patrol, the driver of the pickup fled the scene and has not been identified.Copyright: ___ (c)2013 The Gazette (Cedar Rapids, Iowa) Visit The Gazette (Cedar Rapids, Iowa) at thegazette.com Distributed by MCT Information Services迷你倉

NIAGARA FALLS, N.迷你倉庫Y., Aug. 14, 2013 /PRNewswire/ -- AT&T* has expanded the nation's fastest and most reliable 4G LTE network** to new areas of Niagara and northern Erie Counties, bringing more customers the latest generation of wireless network technology. The expansion extends AT&T's 4G LTE blazing-fast network already available in areas of Buffalo to more consumers and businesses and is part of AT&T's ongoing rollout across New York.(Logo; photos.prnewswire.com/prnh/20120612/DA23287LOGO)New areas of AT&T 4G LTE coverage include:-- Niagara Falls: Niagara Falls State Park, Niagara Falls Observation Tower, Niagara Falls Boulevard, Niagara Thruway (Interstate 190), Niagara Falls International Airport and terminals, Rainbow Bridge, Buffalo Avenue (Route 384), Walnut Avenue (Route 62), Beach Ridge, Amherst Veterans Canal Park, Hennepin Park, Hoffman, Jayne Park, LaSalle Expressway, Ninety First Street Park, Seventieth Street Park, West Canal County Park, Love Canal, Mario Park, Military Boulevard (Route 265), Nashville, Gluck Park, Goat Island, Main Street (Route 104), John Day Boulevard, DeVeaux Woods State Park, Robert Moses Parkway, Devils Hole State Park, and Hyde Park Boulevard (Route 61). -- Lewiston: Academy Park, Earl W. Brydges Art Park, Kiwanis Park, Niagara Thruway (Interstate 190), Ridge Road (Route 104), Robert Moses Parkway, and Upper Mountain Road. -- Northern Grand Island: Bedell Road, Bedell Road Park, Buckhorn Island State Park, East-West Park Road, Grand Island Boulevard (Route 324), Niagara Thruway (Interstate 190), Sandy Beach, and Veterans Park.Elsewhere in upstate New York, AT&T has upgraded the network to 4G LTE in areas of Batavia, Rochester, Syracuse, Auburn, Seneca Falls, Cortland, Ithaca, Binghamton, Saratoga Springs, Albany and Watertown.In the first half of 2013, AT&T invested nearly $225 million in its wireless and wired networks in New York. The 2013 year-to-date network investment builds on more than $1.4 billion that AT&T has invested in its New York wireless and wired networks from 2010 through 2012.Watch here to see several of the benefits AT&T 4G LTE provides, including:-- Faster speeds. LTE technology is capable of delivering mobile Internet speeds up to 10 times faster than 3G***. Customers can stream, download, upload and game faster than ever before. -- Reliability. AT&T not only has the nation's fastest 4G LTE network, but now also has the most reliable 4G LTE network. According to independent third-party data, AT&T has the highest success rate for delivering mobile content across nationwide 4G LTE networks. -- Cool new devices. AT&T offers several LTE-compatible devices, including new AT&T 4G LTE smartphones and tablets. -- Faster response time. LTE technology offers lower latency, or the processing time it takes to move data through a network, such as how long it takes to start downloading a webpage or file once you've sent the request. Lower latency helps to improve services like mobile gaming, two-way video calling and telemedicine. -- More efficient use of spectrum. Wireless spectrum is a finite resource, and LTE uses spectrum more efficiently than other technologies, creating more space to carry data traffic and services and to deliver a better network experience."We've seen positive response from customers on our 4G LTE launch, and as today's expansion shows, we're continuing our rollout of fast 4G LTE speeds to more areas of New York," said Marissa Shorenstein, New York President, AT&T.AT&T's 4G NetworkAT&T's innovation and investment have resulted in a nationwide 4G network with ultra-fast speeds and a more consistent user experience.The great performance of AT&T's fastest and most reliable 4G LTE network continues to be validated by independent third-party testing:-- Our 4G LTE service was recognized as having faster average download and upload speeds than any of our competitors in PCWorld/TechHive's most recent 20-market speed tests -- the second consecutive year that AT&T has ranked first overall. PCWorld/TechHive also ranked AT&T's as the fastest combination of 3G and 4G services in the 20 cities it tested.**** -- And AT&T was named America's fastest 4G LTE network in PC Magazine's 2013 Fastest Mobile Networks 30-market study -- and also swept the top儲存 rankings in all six U.S. regions from coast to coast: Northeast, Southeast, North-Central, South-Central, Northwest and Southwest.*****Even as AT&T continues to expand its 4G LTE coverage, customers can get 4G speeds outside of 4G LTE areas on our 4G HSPA+ network, unlike some competitors, where smartphone customers may fall back to slower 3G technologies when outside of LTE coverage.AT&T's focus to deliver the best possible mobile Internet experience goes beyond 4G to embrace additional connection technologies. AT&T operates the nation's largest Wi-Fi network****** including more than 32,000 AT&T Wi-Fi Hot Spots at popular restaurants, hotels, bookstores and retailers, and provides access to more than 402,000 hotspots globally through roaming agreements. Most AT&T smartphone customers get access to our entire national Wi-Fi network at no additional cost, and Wi-Fi usage doesn't count against customers' monthly wireless data plans.AT&T also is a leading developer of Distributed Antenna Systems, which utilize multiple small antennas to maximize coverage and speed within stadiums, convention centers, office buildings, hotels and other areas where traditional coverage methods are challenging.Over the past five years, AT&T invested nearly $98 billion into its wireless and wireline networks across the country. Since 2008, AT&T has invested more capital into the U.S. economy than any other public company. In a July 2012 report, the Progressive Policy Institute ranked AT&T No. 1 on its list of U.S. "Investment Heroes."*AT&T products and services are provided or offered by subsidiaries and affiliates of AT&T Inc. under the AT&T brand and not by AT&T Inc.** Limited 4G LTE availability in select markets. LTE is a trademark of ETSI. Speed claim based on a comparison of U.S. national carriers' average 4G LTE download speeds for Android(TM) and Windows smartphones and iPhone 5. Reliability claim compares data transfer completion rates on nationwide 4G LTE networks. 4G speeds not available everywhere.*** 4G LTE device and data plan required.Up to 10x claim compares 4G LTE download speeds to industry average 3G download speeds. Learn more about 4G LTE at att.com/network.**** PCWorld/TechHive, May 23, 2013, "AT&T clocks best overall speeds with 3G/4G combo"***** PC Magazine, June 17, 2013; .pcmag.com/article2/0,2817,2420333,00.asp****** A Wi-Fi enabled device required. Other restrictions apply. See .attwifi.com for details and locations.About AT&TAT&T Inc. is a premier communications holding company and one of the most honored companies in the world. Its subsidiaries and affiliates - AT&T operating companies - are the providers of AT&T services in the United States and internationally. With a powerful array of network resources that includes the nation's largest 4G network, AT&T is a leading provider of wireless, Wi-Fi, high speed Internet, voice and cloud-based services. A leader in mobile Internet, AT&T also offers the best wireless coverage worldwide of any U.S. carrier, offering the most wireless phones that work in the most countries. It also offers advanced TV services under the AT&T U-verse((R)) and AT&T | DIRECTV brands. The company's suite of IP-based business communications services is one of the most advanced in the world.Additional information about AT&T Inc. and the products and services provided by AT&T subsidiaries and affiliates is available at .att.com. This AT&T news release and other announcements are available at .att.com/newsroom and as part of an RSS feed at .att.com/rss. Or follow our news on Twitter at @ATT.(C) 2013 AT&T Intellectual Property. All rights reserved. 4G not available everywhere. AT&T, the AT&T logo and all other marks contained herein are trademarks of AT&T Intellectual Property and/or AT&T affiliated companies. All other marks contained herein are the property of their respective owners.Cautionary Language Concerning Forward-Looking StatementsInformation set forth in this press release contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results might differ materially. A discussion of factors that may affect future results is contained in AT&T's filings with the Securities and Exchange Commission. AT&T disclaims any obligation to update and revise statements contained in this news release based on new information or otherwise.Photo: photos.prnewswire.com/prnh/20120612/DA23287LOGOAT&T Inc.CONTACT: Ellen Webner, AT&T, +1-973-775-1321, Ellen.webner@att.comWeb site: .att.com/新蒲崗迷你倉

Source: The Roanoke Times, Va.mini storageAug. 13--The room shook as he came bounding down the hall and into the living room, every bit of 12 years old and 6 feet tall. Stopping to tower over his grandmother, Keion Wiley brought his face close to hers and stared.Erlene Nunn peered back into her grandson's eyes, then spoke in a calm, clear voice."I love you," she said, slowly.And then he was gone, shrieking with delight back down the hall, disappearing into his bedroom. Nunn turned to her partner, Gloria Chapman, and gave a threadbare smile. It's OK.The walls of their northwest Roanoke home lay bare -- no framed photos of smiling faces, no artwork or timepieces. This is to protect Keion, a severely autistic boy who, on the best day, can function at the level of a 4-year-old. It's been almost 12 years since Chapman, 67, and Nunn, 58, adopted their grandson because of family circumstances. Now time is catching up with them, and with it mounting concern over what might happen to their grandson if they can't find the help they need."You can open the doors and these babies will be safe," Nunn said, "but not all of them."For those unable to live in the Roanoke Valley without mindful supervision, a proposed expansion by the Blue Ridge Autism and Achievement Center may provide hope for children such as Keion. It's part of a statewide trend that started in 2011 after the U.S. Department of Justice issued a directive to the state to draw down the number of institutionalized training centers used to assist intellectually and developmentally disabled people, and replace them with smaller, community-based options.Angela Leonard, the executive director of the center, has confirmed that she is seeking to purchase a house near her Roanoke County campus to use as a space to offer a realistic training ground for students with autism."We have a certain adolescent population here who need practice with day-to-day living skills," Leonard said. "That can be anything from personal hygiene to cooking to taking care of their household jobs."Leonard said students have a tough time incorporating skills taught in a typical classroom setting into the routines of their lives at home. If a special-use permit is approved, and the house purchased, students will have access to a kitchen where they can learn to prepare their own meals, living room carpets for vacuuming, and a laundry room for learning how to wash clothes."We also have the opportunity there that we would possibly put in a greenhouse," she added.For Keion, access to such a place in the valley would work wonders for his potential ability to live a more independent life someday. It's a bittersweet hope for his caretakers, who tussle with the mental battle of what his life will be like once they're gone.And when they talk about a "best case scenario"? Tears."He'll have purpose," Nunn said. "I think every human being needs purpose in life -- and he'll have positive purpose."Chapman nodded."If he can have more of that to consume his energy and focus ..." she trailed off. "Because when he doesn't have purpose, he becomes frustrated."And that's when their current home life can get dicey. At nearly 200 pounds, and roughly the size of a high school football player, an angry Keion is a force with which to be reckoned -- as evidenced by the hole in one of the living room walls and scratches on furnself storageture from where he tried to pull the television from its wooden media center while in a rage.With the help of Medicaid waivers, Nunn and Chapman met Patrick Ford, a 20-year-old nursing student who comes to their home multiple times a week to spend time with Keion. Ford isn't at their home around the clock, but he's still described by Chapman and Nunn as God-sent -- especially as they await news on the fateof the autism center's expansion.In 2008 the Justice Department launched its inquiry into Virginia's disability system, including the Central Virginia Training Center in Lynchburg. Three years later, the department issued a stern letter to Gov. Bob McDonnell, accusing the state of providing inadequate services to those with developmental disabilities and violating the Americans with Disabilities Act.To avoid a lengthy legal battle with the federal government, McDonnell announced a settlement agreement in January 2012. Under the agreement, four state training centers were scheduled to be shuttered by 2020. The long-term goal, as expressed by the state Department of Behavioral Health and Developmental Services spokeswoman Meghan McGuire, was to emphasize a community-based, not institutionally based, system for services.In the next decade, more than 4,000 new Medicaid Intellectual Disability Waiver slots will move people back into their communities. According to McGuire, a majority of families have opted to use waivers for the community-based facilities, despite a long waiting list. As of May 2013, more than 7,800 people were waiting for waiver slots -- and 3,900 of those were considered urgent cases.In the past three decades, the population of students in training centers has declined from 6,000 to just under 780. Currently, 10,000 people are served in their communities through the help of Medicaid or other waivers. An additional 8,000 people are still waiting for those services, according to information released by the Department of Behavioral Health and Developmental Services.Decreasing numbers of people in state-run training centers have eliminated wait listing, but as fewer people turn to that option the cost per person has risen. In 2012, the average cost per person in a training center was $224,245, up from approximately $216,000 in the previous fiscal year. Meanwhile, the per person cost to new community facilities with waiver services is $105,860.Across the state, 101 people transitioned to community-based services in fiscal year 2012. In fiscal year 2013, 155 made the same move, according to data provided by McGuire.For Chapman and Nunn, the idea of being able to keep Keion close to home eases any concerns that he'll be treated with dignity and respect. For them, the local autism center is a familiar place with faces they've grown to know and trust.Leonard said she's thankful there are state-run institutions for families who have no other option, but also appreciates the trend to keep students in their communities. She has a disabled child of her own, though, and can relate to the feelings expressed by Chapman and Nunn."I want him to live here with me," she said. "So in that way, I think it's good for us to start right here and right now."Copyright: ___ (c)2013 The Roanoke Times (Roanoke, Va.) Visit The Roanoke Times (Roanoke, Va.) at .roanoke.com Distributed by MCT Information Services迷你倉

Source: The Santa Fe New MexicanAug.迷你倉新蒲崗 13--Operators of an urban farm in Santa Fe's Bellemah neighborhood are still negotiating with the city about how they can continue to legally grow vegetables. Meanwhile, city councilors are weighing a resolution that would order staff to look for ways urban agriculture can be integrated into land uses in the city.The City Council's Public Works Committee on Monday recommended approval of the resolution, but councilors said the idea is not intended to pave the way for Gaia Gardens, which is working to resolve city code violations identified earlier this summer."I don't have a problem supporting local agriculture, but what I don't want to do is reward bad behavior," said Councilor Chris Calvert.Gaia Gardens had already stopped selling produce from a farm stand along the Arroyo de los Chamisos when it received a letter in June that also ordered operators to stop hosting school groups and other volunteer helpers.One of the six alleged code violations had to do with makeshift housing that property owner Stuart Jay Tallmon put up on the land without a permit. The city also found that the nonprofit garden founded by farmers Poki Piottin and Dominique Lozo was operating without a business license.The pair have since applied for a home occupation license that, if approved, would allow them to grow and harvest vegetables on the property and sell them at another location. The license also would restrict the number of workers at the garden to two at a time. City Land Use Department Director Matthew O'Reilly said the application is under review and Piottin is acting as the landowner's agent to address building code violations in some structures on the 3.5-acre property.Councilor Patti Bushee, who sponsored the resolution before the City Council, stressed Wednesday that it isn't really about Gaia Gardens. She said it's more about the kind of issues it has raised."They are sort of a bad example of something well-intentioned that went too far," she said, noting that she's not proposing immediate code changes, but rather an examination of broader issues. Bushee's proposal also asks staff to consider how the city can allow farm stands to sell produce near community gardens in public spaces.The city and county Advisory Council on Food Policy is already working on recommendations to help the region move toward more local food production and consumption, said Katherine 迷你倉出租ortimer, the program manager for the city's sustainability plan. She said the extra direction from the council on urban agriculture would be timely."The Food Policy Council has been talking about wanting to promote urban agriculture long before the concerns with Gaia Gardens were present," she said.Piottin said he believes Santa Fe should focus on creating a section in the land use code to explicitly welcome food production in the city."Before we can talk about having farm stands, we have to talk about having farms," Piottin said Monday. "The big thing is that the city ordinance for home occupation businesses in residential neighborhoods is completely hindering the work of a farm by limiting the amount of people that can come and the amount of volunteers and the amount of structures and of all that."Other cities have taken steps that make it easier for urban farming, he said."It's doable. It just has to be on the books, otherwise our operation has to fit within the terms of the home occupation license, which is not made for farms," he said.Even if such changes get made in the long term, Gaia Gardens might already be over, he said. "We are a nonprofit with an educational mission, so if we can't have schools, we are closing up shop," he said.Area residents who say the garden has not been a good neighbor have raised the issue with the City Council on several occasions. The city also has received dozens of letters from people who live nearby and support the farm.O'Reilly said city staff believe there's a way to help the nonprofit understand the city code and operate within it, noting that the biggest violations have to do with substandard housing and plumbing as well as grading for the garden that took place without a permit. Another big concern, he said, is the amount of car traffic that the operations generated.Councilor Ron Trujillo said he hopes city staff will consider the history of the area. Gaia Gardens is in his district and he's heard an earful from constituents. But he noted that the main artery through Bellemah is Rancho Siringo."There's a reason it's called Rancho Siringo. There used to be ranches and agriculture there," he said.Contact Julie Ann Grimm at 986-3017 or jgrimm@sfnewmexican.com.Copyright: ___ (c)2013 The Santa Fe New Mexican (Santa Fe, N.M.) Visit The Santa Fe New Mexican (Santa Fe, N.M.) at .santafenewmexican.com Distributed by MCT Information Services儲存倉

FARMVILLE, Va.儲存, Aug. 14, 2013 /PRNewswire/ -- AT&T* has expanded the nation's fastest and most reliable 4G LTE network** in Farmville, bringing more customers the latest generation of wireless network technology. AT&T launched 4G LTE in Richmond on December 13, 2012, and the expanded coverage is part of its ongoing rollout across the market.(Logo: photos.prnewswire.com/prnh/20120612/DA23287LOGO)Watch here to see several of the benefits AT&T 4G LTE provides, including:-- Faster speeds. LTE technology is capable of delivering mobile Internet speeds up to 10 times faster than 3G***. Customers can stream, download, upload and game faster than ever before. -- Reliability. AT&T not only has the nation's fastest 4G LTE network, but now also has the most reliable 4G LTE network. According to independent third-party data, AT&T has the highest success rate for delivering mobile content across nationwide 4G LTE networks. -- Cool new devices. AT&T offers several LTE-compatible devices, including new AT&T 4G LTE smartphones and tablets. -- Faster response time. LTE technology offers lower latency, or the processing time it takes to move data through a network, such as how long it takes to start downloading a webpage or file once you've sent the request. Lower latency helps to improve services like mobile gaming, two-way video calling and telemedicine. -- More efficient use of spectrum. Wireless spectrum is a finite resource, and LTE uses spectrum more efficiently than other technologies, creating more space to carry data traffic and services and to deliver a better network experience."We've seen positive response from customers on our 4G LTE launch, and as today's expansion shows, we're continuing our rollout of fast 4G LTE speeds to more areas in and around Richmond," said J. Michael Schweder, president of AT&T Mid-Atlantic.AT&T's 4G NetworkAT&T's innovation and investment have resulted in a nationwide 4G network with ultra-fast speeds and a more consistent user experience. The great performance of AT&T's fastest and most reliable 4G LTE network continues to be validated by independent third-party testing:-- Our 4G LTE service was recognized as having faster average download and upload speeds than any of our competitors in PCWorld/TechHive's most recent 20-market speed tests -- the second consecutive year that AT&T has ranked first overall. PCWorld/TechHive also ranked AT&T's as the fastest combination of 3G and 4G services in the 20 cities it tested.**** -- And AT&T was named America's fastest 4G LTE network in PC Magazine's 2013 Fastest Mobile Networks 30-market study -- and also swept the top rankings in all six U.S. regions from coast to coast: Northeast, Southeast, North-Central, South-Central, Northwest and Southwest.*****Even as AT&T continues to expand its 4G LTE coverage, customers can get 4G speeds outside of 4G LTE areas on our 4G HSPA+ network, unlike some competitors, where smartphone customers may fall back to slower 3G technologies when outside of LTE coverage.AT&T's focus to deliver the best possible mobile Internet experience goes beyond 4G to embrace additional connection technologies. AT&T operates the nation's largest Wi-Fi network****** including more than 32,000 AT&T Wi-Fi Hot Spots at popular restaurants, hotels, bookstores and retailers, and provides access to more than 402,000 hotspots globally through roaming agreements. Most AT&T smartphone customers get access to our entire national Wi-Fi network at no additional cost, an新蒲崗迷你倉 Wi-Fi usage doesn't count against customers' monthly wireless data plans.AT&T also is a leading developer of Distributed Antenna Systems, which utilize multiple small antennas to maximize coverage and speed within stadiums, convention centers, office buildings, hotels and other areas where traditional coverage methods are challenging.Over the past five years, AT&T invested nearly $98 billion into its wireless and wireline networks across the country. Since 2008, AT&T has invested more capital into the U.S. economy than any other public company. In a July 2012 report, the Progressive Policy Institute ranked AT&T No. 1 on its list of U.S. "Investment Heroes."*AT&T products and services are provided or offered by subsidiaries and affiliates of AT&T Inc. under the AT&T brand and not by AT&T Inc.** Limited 4G LTE availability in select markets. LTE is a trademark of ETSI. Speed claim based on a comparison of U.S. national carriers' average 4G LTE download speeds for Android(TM) and Windows smartphones and iPhone 5. Reliability claim compares data transfer completion rates on nationwide 4G LTE networks. 4G speeds not available everywhere.*** 4G LTE device and data plan required. Up to 10x claim compares 4G LTE download speeds to industry average 3G download speeds. Learn more about 4G LTE at att.com/network.**** PCWorld/TechHive, May 23, 2013, "AT&T clocks best overall speeds with 3G/4G combo"***** PC Magazine, June 17, 2013; .pcmag.com/article2/0,2817,2420333,00.asp ****** A Wi-Fi enabled device required. Other restrictions apply. See .attwifi.com for details and locations.About AT&TAT&T Inc. is a premier communications holding company and one of the most honored companies in the world. Its subsidiaries and affiliates - AT&T operating companies - are the providers of AT&T services in the United States and internationally. With a powerful array of network resources that includes the nation's largest 4G network, AT&T is a leading provider of wireless, Wi-Fi, high speed Internet, voice and cloud-based services. A leader in mobile Internet, AT&T also offers the best wireless coverage worldwide of any U.S. carrier, offering the most wireless phones that work in the most countries. It also offers advanced TV services under the AT&T U-verse((R)) and AT&T ?DIRECTV brands. The company's suite of IP-based business communications services is one of the most advanced in the world.Additional information about AT&T Inc. and the products and services provided by AT&T subsidiaries and affiliates is available at .att.com. This AT&T news release and other announcements are available at .att.com/newsroom and as part of an RSS feed at .att.com/rss. Or follow our news on Twitter at @ATT.(C) 2013 AT&T Intellectual Property. All rights reserved. 4G not available everywhere. AT&T, the AT&T logo and all other marks contained herein are trademarks of AT&T Intellectual Property and/or AT&T affiliated companies. All other marks contained herein are the property of their respective owners.Cautionary Language Concerning Forward-Looking StatementsInformation set forth in this press release contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results might differ materially. A discussion of factors that may affect future results is contained in AT&T's filings with the Securities and Exchange Commission. AT&T disclaims any obligation to update and revise statements contained in this news release based on new information or otherwise.Photo: photos.prnewswire.com/prnh/20120612/DA23287LOGOAT&T Inc.CONTACT: Gayle Kansagor, On Behalf of AT&T, 202-295-8775,Gayle.kansagor@harbourgrp.comWeb site: .att.com/mini storage

據最近公佈的數據顯示，self storage希臘5月份的失業率升高到27.6%，再度創下紀錄，而去年同期的失業率為23.8%。更令人觸目驚心的是，在6年的連續經濟衰退下，15到24歲的失業率升高到64.9%。希臘今年4月的失業率是27%，5月的數據顯示，失業人口高達140萬。上周歐元區的統計數字顯示希臘6月失業率為26.9%，而整個歐元區的失業率為12.1%。數據顯示，整個歐元區的平均失業率在降低，但希臘的失業問題卻繼續加深。據澳大利亞《金融評論報》的報道，現在還不是希臘最痛苦的時候，希臘央行預測，在2015年失業率開始下降前，會達到28%的高峰。在此期間，希望觀光業能緩衝更糟的就業數據。大約每5個工作就有1個在旅遊業，占了希臘經濟產出的17%，預計2013年的觀光利潤將增加10%，達110億歐元。但是希臘國民銀行分析師馬吉納斯對路透社說：“旅遊業增加的就業，並不能抵銷許多部門調整結構，及持續疲軟的需求。”希臘是歐債危機中受創最重的經濟體，在2010年5月首次接受國際救助，並于7月接受最近一筆68億歐元的救助金，但伴隨著嚴格的減少債務條件，進一步的裁員、加迷你倉、減薪、減退休金將無可避免。自2007年以來，希臘的產出已經衰退了25%。改革無可避免然而，緊縮措施對希臘來說是必要的，上次國際借款人同意救助款時，借款人之一國際貨幣基金組織（IMF）表示希臘必須提出“果斷地結構改革，以鬆綁經濟成長及創造就業”。企圖修正希臘扭曲經濟的緊縮政策，對希臘各個階層都帶來痛苦，從十多歲沒有就業前景的年輕人，到退休沒有退休金的老人。政府的緊縮措施引來大規模抗議，有時演變為暴力事件。資料公佈後，希臘總理薩馬拉斯和美國總統奧巴馬在美國華盛頓會面。奧巴馬稱讚希臘政府為減少赤字所做的努力。不過奧巴馬強調，整頓財政以控制債務規模固然重要，但財政緊縮並非唯一解決之道，也應重視如何促進經濟增長以及創造就業。難兄難弟西班牙而希臘並不是歐洲唯一失業率居高不下的國家，據歐盟的數據，西班牙季節調整後的失業率是26.3%。投顧公司分析師阿姆斯壯對路透社說：“歐洲還沒有解決導致歐債危機的核心問題，所以我認為歐洲不會有可持續的增長。歐洲中央銀行（ECB）必需採取一些非傳統措施，像其他央行一樣，我認為歐元貶值可以帶動一些成長，不過目前還沒有。”文件倉

雖然7月末中國人民銀行宣佈取消金融機構貸款利率0.7倍下限，新蒲崗迷你倉利率市場化進一步推進，但央行本月初發佈的《2013年第二季度貨幣政策執行報告》顯示，6月份一般貸款中執行上浮利率的仍超過六成。記者在調研採訪中發現，盡管短期解決中小企業“融資貴”依然路途漫漫，但資本市場已經反映出對銀行“暴利”終結的某些預期。超六成貸款利率上浮“貸款利率下浮？除非你是大企業、老客戶。”北京銀行一位在一線從事對公業務的資深人士表示，“年初我們僅僅對一家北京大型企業做過利率下浮5％－10％的貸款，後來融資成本上來後這種業務做得越來越少了。”記者近期採訪瞭解到，貸款對於中小企業難度依然不小。自從4萬億元刺激政策從2010年後逐漸收緊、退出，企業特別是中小企業的融資成本難以下行，銀行依靠息差成為人們心中的“暴利”行業。在日常貸款業務中，銀行相對於客戶的“甲方”地位不可撼動。一位從事農村金融擔保業務的人士對記者說，今年銀行對小微企業貸款一般開口就是利率上浮30％－50％，“一些涉農貸款沒有抵押物，可能會上浮到60％以上，微觀層面的中小金融機構大部分都是這樣。要想讓銀行給貸款利率打折，得先把這些上浮的利率解決再說”。中國人民銀行最新公佈的《2013年第二季度貨幣政策執行報告》顯示，在6月份所有一般貸款中，執行上浮利率的貸款占比高達62.93％，而執行下浮利率的貸款占比只有12.55％。據瞭解，即便是為了爭取客戶而希望“以量換價”的中小型銀行與金融機構，也在利率上沒有出現鬆動。北京懷柔融興村鎮銀行一位高管此前告訴記者，雖然這家村鎮銀行的主要服務客戶是農業企業或農戶，但該行仍然將貸款利率較基準利率有所上浮。這位高管表示，由於很多中小微企業缺少有效抵押物，因此利率上浮，以爭取覆蓋更多的風險。短期無實質影響“放開貸款利率下限只會是神仙打架，與小鬼無關。”國泰君安證券高級經濟學家林采宜認為，就大多數中小企業而言，目前的貸款成本普遍高于基準貸款利率的七成，享受優惠利率的是大企業，放開貸款利率下限只是增加了大企業在跟銀行談判時的議價空間，進一步mini storage低大企業尤其是壟斷企業的融資成本。記者瞭解到，與大部分中小企業爭取拿到“天價貸款”不同，部分大型企業特別是央企、國企，在向銀行貸款過程中議價能力較強，在未來貸款中有望享受到利率市場化帶來的財務成本下降。建設銀行研究員趙慶明撰文表示，取消貸款利率7折下限象徵著貸款利率市場化已經完成，但對銀行來說幾乎無實質影響，因為實際上幾乎沒有企業能享受到7折及以下折扣的貸款利率，以一年期貸款來說，銀行的信貸資金成本不低於4.2％，銀行不會做虧本的買賣。盡管利率市場化政策短期影響可能有限，但從長遠發展角度看，不少企業界人士和專家學者認為，在企業財務成本和融資壓力上升的情況下，如果未來金融市場和流動性保持穩定，放開貸款利率下限管制，有望讓實體經濟得到銀行業讓渡的一部分利潤。“暴利”終結路漫漫盡管距離貸款利率普遍“打折”還為時尚早，存款利率上限也並未放開，但在利率市場化改革的大方向下，敏感的資本市場似乎已經嗅到銀行未來“暴利”終結的味道，7月下旬以來，銀行股股價連續下行。此前幾年，中國的銀行盈利能力一直依靠穩定的息差和擴張的表外業務不斷提升。包括四大行在內的16家上市銀行，今年一季度盈利超過3000億元，而國內所有2469家上市公司的淨利潤總額才達5500億元左右。業內專家表示，此前給銀行帶來穩定收入的大幅息差，在利率市場化改革的推動下可能會有所縮減，但在�動存款保險制度和打開存款利率上限之前，僅靠取消貸款利率下限，在短期內可能還不會影響銀行利潤。從銀行息差結構看，如果未來放開存款利率上限，銀行將不得不提高存款資金的使用成本。去年6月，央行宣佈金融機構存款利率浮動區間的上限調整為基準利率的1.1倍。這一消息宣佈後，銀行立即上浮了存款利率。在這種情況下，銀行股連續下跌，就不難理解為資本市場對於未來銀行盈利能力的一種擔憂。市場人士解讀認為，實際上今年一季度16家上市銀行的利潤增幅已經下降，股價也整體回落，這一方面是由於宏觀經濟增速下滑，銀行拿出利潤進行風險撥備；另一方面則是投資者對於未來利率市場化情況下銀行利潤下滑的警惕。self storage

受企業削減投資影響，新蒲崗迷你倉日本第2季經濟成長不如預期，可能抑制消費和削弱政府增加支出以擺脫通縮的努力，也讓提高消費稅增添變數。日本內閣府12日公布，第2季國內生產毛額（GDP）年化後比上季成長2.6%，增幅不如第1季的3.8%，也低於經濟學家預期的3.6%。這個數據加深連日來的激辯，日本經濟是否強到足以在明年4月調高消費稅3個百分點；首相安倍晉三將在未來幾個月作這項決定。雖然消費者支出持續提供經濟復甦助力，但企業尚未擁抱安倍經濟學，已連續六季削減資本支出。根據安倍政府之前擬定的計畫，日本預定明年4月將消費稅由目前的5%提高到8%，2015年10月再調高至10%。曾任職日本央行的第一生命首席執行經濟學家熊野英生說：「反對者將獲得阻撓調高消費稅的動力，支持者的論點則會強調消費者支出與物價數據好mini storage。拋開辯論不談，數據顯示日本經濟已朝擺脫通縮邁進。」受經濟成長欠佳影響，日經225指數12日下挫95.76點（跌幅0.7%），收13,519.43點；日圓匯價盤中跌0.3%，成為96.50日圓兌1美元。日本經濟大臣甘利明表示：「以決定是否提高消費稅的標準來看，這些數據仍然不錯。若採取推動稅務、財政與金融等所有措施，我預期企業將擴大資本支出。」GDP數字也提供一些證據，證明安倍欽點的央行總裁黑田東彥對抗通縮的努力逐漸收效。反映物價漲跌變動的第2季GDP平減指數較去年同期下滑0.3%，寫下2009年第3季來最小減幅。法國興業證券首席經濟學家會田卓治表示，這個變化顯示日本終於成為正常的經濟體，但要說這個趨勢能否持續仍言之過早，因為政府支出與貨幣寬鬆帶來的弱勢日圓等暫時性因素仍是提振經濟的主因。self storage

　　�生銀行昨發訃告，迷你倉價錢指其前執行董事長利國偉，前日在威爾斯醫院逝世，享年九十五歲。　　訃告由�生代表利之家人發出，當中強調他們對利國偉之遺教與遺愛，永懷不忘。至於喪禮安排，則會日內另作通告。　　而金管局總裁陳德霖，對利之離世表示哀悼，強調利是本港銀行界傑出領袖，對香港銀行業發展作重大貢獻；又在金管局成立之初，任外匯基金諮詢委員會成員，於推動金融業發展建樹良多。