Performing Arts Thriving in Revelstoke Apr 16, 2014 12:06PM

REVELSTOKE, BRITISH COLUMBIA -- (Marketwired) -- 04/16/14 -- Department of Canadian Heritage

Revelstoke residents and visitors will benefit from Government of Canada support for a professional performing arts series set to grace the city in the coming months.

The Revelstoke Arts Council is receiving funding of $7,500 to present a range of performances in music, dance, theatre, and comedy as part of its 2014-2015 season. This is the first time the Revelstoke Arts Council has received support from the Department of Canadian Heritage through its Canada Arts Presentation Fund.

The funding was announced today by David Wilks, Member of Parliament (Kootenay-Columbia) on behalf of Minister of Canadian Heritage and Official Languages Shelly Glover.

Quick Facts

--  The Revelstoke Arts Council's 2014-2015 season will feature 32
    performances by 15 acts from September 2014 to May 2015. Performances
    will take place primarily at the 275-seat Revelstoke Performing Arts
    Centre, with additional performances happening at the Revelstoke
    Community Centre and the Revelstoke United Church.
--  The series will include several opportunities for audience involvement
    through workshops and artist talks, as well as participation in
    professional performances.
--  Reincorporated in 1997, the Revelstoke Arts Council works to cultivate
    the arts and cultural heritage of Revelstoke.


"The Government of Canada is pleased to support the Revelstoke Arts Council in its efforts to promote Canadian artists and their work. Investing in the arts encourages innovation and creativity, and provides opportunities for Canadians to appreciate the rich diversity of our country."

-Shelly Glover, Minister of Canadian Heritage and Official Languages

"The Revelstoke Arts Council has demonstrated superb vision and leadership in its work to bring high-quality professional performing arts to Revelstoke. I am looking forward to seeing what's in store in the upcoming season."

-David Wilks, Member of Parliament (Kootenay-Columbia)

"The Revelstoke Arts Council is grateful for this funding from Canadian Heritage. We believe that support for arts and culture programming in non-urban communities is and should always be a high priority."

-Carol Palladino, Chairperson, Revelstoke Arts Council

Associated Links

Revelstoke Arts Council

Canada Arts Presentation Fund

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Marisa Monnin
Press Secretary
Office of the Minister of Canadian Heritage
and Official Languages

Anna Gravelle
A/Regional Communications Manager
Canadian Heritage
Western Region

Media Relations
Canadian Heritage

Source: Department of Canadian Heritage

BIANJ launches Teen Safe Driving Contest to Crack Down on Distracted Driving Apr 16, 2014 12:05PM

NORTH BRUNSWICK, N.J., April 16, 2014 /PRNewswire-USNewswire/ -- The Brain Injury Alliance of New Jersey (BIANJ) is proud to launch the 4th Annual 'U Got Brains Champion Schools Program' – a contest challenging New Jersey high school students and teachers to develop fun and interactive campaigns aimed at educating teens about the importance of safe driving. 

In 2012, more than 3,300 people were killed nationally and an estimated 421,000 people were injured in motor vehicle crashes involving a distracted driver.  Since 2009, the Champion Schools Program has been committed to empowering students to take a positive approach in addressing the number one cause of death and disability among teens. 

The message is simple:  Keeping New Jersey's roads safe is everyone's responsibility.

"The Champion Schools Program highlights the importance of teens and adults working together to promote safe driving habits," states Barbara Geiger-Parker, BIANJ's President and CEO.

Over the last three years, almost 100 high schools in 20 counties throughout the state developed campaigns addressing every aspect of teen safe driving through powerful public service announcements and music videos, to the invention of a cellphone "safe box" that disables a car's radio until the driver's cellphone is locked inside the box.

"Each year, we've been amazed at the effort and creativity on the part of the students and staff at the participating schools," states Geiger-Parker.  "It's encouraging that so many schools are becoming a key component in the development of safe young drivers."

This year, students from 58 New Jersey high schools have been chosen to participate.  To see the list of participating schools, visit:

The program will culminate in a Showcase & Awards Luncheon on June 4, 2014 at iPlay America in Freehold, NJ.  The top two campaigns, selected by a panel of expert judges, are awarded the grand prize – a driving simulator donated by New Jersey Manufacturers Insurance Company (NJM).

Additional sponsors of the program are New Jersey Division of Highway Traffic Safety, The Allstate Foundation, DriveSafer, iPlay America, State Farm, LifeSaver, Nikhil Badlani Foundation, NJ Teen Driving Safety Coalition, DCH Teen Safe Driving Foundation, The Council on Brain Injury, AT&T, AAAClubs at New Jersey, and Volvo.

About BIANJEstablished in 1981, the Brain Injury Alliance of New Jersey is a statewide nonprofit organization that services more than 10,000 individuals annually through its family support, advocacy, and education and prevention programs.  Over the last 30 years, BIANJ has brought together people with brain injury, their families and friends, and concerned allied health professionals to improve the quality of life people experience after brain injury.  For more information, please visit


Logo -

SOURCE Brain Injury Alliance of New Jersey

Fitch Assigns Ratings to LCM X Limited Partnership Refinancing Notes Apr 16, 2014 12:06PM

NEW YORK--(BUSINESS WIRE)-- Fitch Ratings has assigned new ratings to the class A-R and B-R refinancing notes issued by LCM X Limited Partnership (LCM X).


Fitch has been notified of proposed Second and Third Supplemental Indentures that would cause a refinancing of the outstanding notes and amend certain terms and definitions of the indenture, respectively. The collateral portfolio continues to display stable performance since the last review in January 2014 and credit enhancement levels will remain the same on the refinancing notes. On April 15, 2014, the issuer will issue refinancing notes as class A-R, B-R, C-R, D-R, and E-R and apply the net issuance and sales proceeds thereof to redeem the existing class A, B, C, D, and E notes at par (plus accrued interest), respectively. Each class of refinancing notes will be issued in the same amounts and have the same terms as the corresponding class of original notes, except that the spreads on all classes will be reduced. Since the reduced spreads on the liabilities is viewed as a credit positive and no other changes will be made to the capital structure or underlying portfolio as a result of the refinancing, a cash flow model analysis was not conducted for this review and Fitch has determined that the ratings on the refinancing notes shall be assigned at the same rating levels as the original notes.


The ratings of the notes may be sensitive to the following: asset defaults, portfolio migration, including assets being downgraded to 'CCC', portions of the portfolio being placed on Rating Watch Negative, overcollateralization (OC) or interest coverage (IC) test breaches, or breach of concentration limitations or portfolio quality covenants. Fitch conducted rating sensitivity analysis on the closing date of LCM X, incorporating increased levels of defaults and reduced levels of recovery rates, among other sensitivities.

Initial Key Rating Drivers and Rating Sensitivity are further described in the New Issue Report published on April 9, 2012. In conjunction with the refinancing, certain provisions of the indenture have been amended by the Third Supplemental Indenture. The amendment addresses Volcker Rule concerns and will no longer allow for the investment of non-loan assets, such as senior secured notes and bonds, in the collateral portfolio. Maturity extensions of underlying assets are permitted as long as the extended maturity satisfies, or if not satisfied, maintains or improves the weighted average life test and is no later than the stated maturity of the notes. In addition, the new refinancing notes are restricted from being re-priced or refinanced again in the future. Fitch believes that the changed provisions from the Third Supplemental Indenture, including the ones noted above, will have no impact on the ratings of the refinancing notes.

A comparison of the transaction's Representations, Warranties, and Enforcement Mechanisms (RW&Es) to those of typical RW&Es for that asset class is also available by accessing the reports and links indicated below.

LCM X is an arbitrage, cash flow collateralized loan obligation (CLO) that closed on Feb. 15, 2012 and is managed by LCM Asset Management LLC.

Fitch has taken the following rating actions, effective April 15, 2014, on the following:

--$259,000,000 class A notes, 'PIF';

--$45,000,000 class B notes, 'PIF';

--$259,000,000 class A-R notes assigned 'AAAsf'; Outlook Stable;

--$45,000,000 class B-R notes assigned 'AAsf'; Outlook Stable.

Additional information is available at ''.

The information used to assess these ratings was sourced from periodic trustee reports, note valuation reports, and the public domain.

Applicable Criteria and Related Research:

--'Global Structured Finance Rating Criteria' (May 24, 2013);

--'Global Rating Criteria for Corporate CDOs' (Aug. 8, 2013);

--'Counterparty Criteria for Structured Finance and Covered Bonds' (May 13, 2013);

--'LCM X Limited Partnership New Issue Report' (April 9, 2012);

--'LCM X Limited Partnership -- Appendix' (April 9, 2012).

Applicable Criteria and Related Research:

Global Structured Finance Rating Criteria

Global Rating Criteria for Corporate CDOs

Counterparty Criteria for Structured Finance and Covered Bonds

LCM X Limited Partnership

LCM X Limited Partnership -- Appendix

Additional Disclosure

Solicitation Status


Fitch RatingsPrimary AnalystFelix Chen, +1-212-908-9154Associate DirectorFitch Ratings, Inc.One State Street PlazaNew York, NY 10004orCommittee ChairpersonAlina Pak, CFA, +1-312-368-3184Senior DirectororMedia RelationsSandro Scenga, New York,

Source: Fitch Ratings

PrAna Puts People First With Fair Trade Certified Styles Apr 16, 2014 12:05PM

Carlsbad, CA (PRWEB) April 16, 2014

PrAna is steadily increasing its Fair Trade USA certified offerings, helping to support communities, strengthen local economies and above all, do good for the people who make its clothing and accessories.

"At prAna, we're guided by the idea that a brand should give much more than it takes from the world," said prAna's Director of Sustainability, Nicole Bassett. "This year, we visited some of our suppliers in India and seeing what Fair Trade means to workers firsthand was very meaningful for me. When we work with a Fair Trade factory, they can count on our business, and we can count on their goods. That takes away a lot of the risk for both of us and we can do more together to support people and boost a community's economy, all while making clothes that look good and feel good."

PrAna was one of the first clothing companies in North America to produce and market Fair Trade certified styles. To help more factories make these positive changes, prAna partners with them long term. Factories that agree to go Fair Trade receive a premium paid directly to workers in the form of increased pay, education or community improvements. Workers have a direct stake: The more Fair Trade apparel they produce, the higher the premium they earn. At the factories prAna works with in Rajlakshmi and Esteam, India, employment turnover rates were under five per cent.

"If a product is Fair Trade certified, that tells you it was made in a factory that meets the highest standards when it comes to workplace safety and environmental protection," said prAna's founder, Beaver Theodosakis. "When you choose a piece from our Fair Trade collection, there's a direct connection between you and the person who made it -- you're choosing to support a young family, a school for local kids or a community project like a park or library, and that's a good feeling."

PrAna evaluates its potential suppliers based not only on their capabilities but also through the lens of social and environmental due diligence. That means they choose to work with suppliers that share their values, and that are committed to making positive change. PrAna has three key priorities:

   •  Continuously improve working conditions for people who make its products
   •  Meet its obligations as members of the Fair Labor Association (a non-profit dedicated ending sweatshop conditions in factories around the world)
   •  Increase the number of Fair Trade certified factories. "By investing in Fair Trade, our intention is to help create the paradigm shift we need across the apparel industry," said Bassett. "From the seeds in the ground to the shirt on your back, it's an alternative way of doing business that empowers workers and strengthens their communities."

To learn more about prAna's dedication to the people who make their products, please visit PrAna's Fair Trade certified collection is available for men and women online at

About prAna

PrAna is a lifestyle brand that draws its name from the ancient Sanskrit word for breath, life and vitality of the spirit. Born from climbing and yoga, the prAna team creates mindfully-designed, purposeful and stylish apparel for free spirited people to pursue their passions on the water, mat, rock, trail, and street. From its beginning in 1993, prAna has been committed to weaving sustainable practices into its operations and supply chain, working to reduce its impact on soils, water supplies and other natural resources while promoting conservation. PrAna is also conscious of its impact on communities and has worked to include a growing number of fair trade styles every year. It is the first apparel company in North America to offer Fair Trade USA certified products and accessories. PrAna is sold in five flagship stores, online at, and in 1,400 specialty retailers across the US, Canada, Europe and Asia.

For a list of prAna retailers, please visit

Find @prAna on Facebook, Twitter and Instagram.

Read the full story at

SubscriberWise: Two Competing Models with Two Perfect Scores Apr 16, 2014 12:05PM

Following a Perfect 850 FICO Score, SubscriberWise Founder Reaches Maximum Score with Model Created Jointly by Equifax, Experian, and TransUnion

MIAMI--(BUSINESS WIRE)-- SubscriberWise® the nation’s first issuing consumer reporting agency for the communications industry and the leading provider of analytics-driven subscriber risk management and rules technology, announced today that the company president David Howe has obtained a perfect Vantage score of 990. The event follows a perfect 850 FICO score obtained by Howe one week earlier.

David Howe reviews a report in his office at MCTV (Photo: Business Wire)

The two perfect scores – mathematically demonstrated and astonishingly rare - offer strong evidence that FICO and Vantage models are correlated among high-percentile scores and granular predictive factors are consistent between the competing algorithms. FICO scores remain the dominant scoring technology in the market today.

“David Howe’s obsession for the highest achievement is not limited to perfect credit scores,” said David Hoffer, chief operating officer for MCTV and vice president for SubscriberWise. “In addition to this remarkable mastery of personal credit, Howe has consistently achieved what may be the lowest bad debt losses on record of any communications operator in North America: .02 as a percentage of revenue at MCTV on sales in excess of $60,000,000.00 annually. And to Howe’s real acclaim, included in this percentage are losses from unreturned equipment,” emphasized Hoffer.

“The success has not gone unnoticed,” continued Hoffer. “Over the past decade, Howe has been consulted by nearly every leading communications operator in the country including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, BendBroadband, NPG, NewWave, GTA Teleguam, Cable ONE, Shentel, and many others. Howe’s unbridled passion and demonstrated expertise with credit and risk management can be found everywhere in the industry today. Industry-wide the net positive cash flow for operators using SubscriberWise is measured in tens of millions of dollars annually. Perhaps obsession has its rewards,” concluded Hoffer.

Howe is the founder and president of SubscriberWise, the first U.S. issuing consumer reporting agency for the communications industry. Howe is also a consultant and credit manager for MCTV, a multiple system operator founded in 1965 by Richard Gessner. MCTV serves 47,000 subscribers in northeast Ohio. Howe has been employed by MCTV for 18 years.

Howe recently went on the record to share with the public specific details that he hopes will empower consumers and boost credit scores for individuals everywhere. Howe is the first U.S. citizen to describe and report detailed circumstances that generated perfect FICO and Vantage credit scores. The information was provided during an 80-minute interview with Polyana da Costa, senior mortgage reporter for Howe also provided additional details to journalist Seth Arenstein that will be reported in a future publication.

“I want to thank and Polyana da Costa in particular for providing the interview opportunity and helping to disseminate information that she and I agree is valuable for consumers everywhere,” stated David Howe. “I also want to acknowledge that I do not know all things FICO or Vantage. Despite my position with MCTV and SubscriberWise, I’m not expert on everything concerning consumer credit and scoring. But I do understand – profoundly - what events impact my individual consumer reports as well as my personal credit scores. That’s very important. And over the years, I’ve learned how to maximize my personal scores despite the inevitable financial events and setbacks. I want others to know they can achieve the same. I’m hopeful the information I’ve provided Polyana and Seth will help to accomplish this objective.”

“From my professional perspective it’s time to raise the bar on the subject of consumer credit and scores,” Howe emphasized. “Consumers must understand their own credit at a granular level. They should understand at a basic level how business rules and decision management technology impact their lives in ways they may never have imagined. They must understand specific factors that impact their scores, even if the impacts are minimal (fact: a credit report that contains revolving credit card accounts but has no reported revolving balance when the score is calculated can lower a score by 20 points or more). Consumers must know that FICO, Equifax, TransUnion, and Experian do not own the predictive factors; they simply tease-out and refine those factors to add precision to their scoring algorithms. Consumers must understand that no organization and no human being will ever own what is ultimately predictive. Young adults obtaining credit for the first time should also be empowered with this knowledge and information and I plan to continue sharing what I’ve learned with them.”

"David Howe has shared with me such good advice and information on how the credit scoring system works and how to make good decisions to help me keep my credit score optimal," said Christopher Dewald, customer support representative for MCTV and 6-year colleague with Howe. "I feel that education on personal finances and credit is lacking with many younger people and I am glad I've had my conversations with David."

“Credit scores are critically important,” continued Howe. “They impact and control our financial lives. Credit can determine if you can rent a car at the airport, get and maintain a job, obtain the most favorable insurance rates, how much deposit you may pay for phone and cable, or whether you’re able to rent an apartment.

“Credit is not a game but people who don’t play lose,” stated Howe.

“As an experienced credit manager, I argue that every consumer should seek the highest possible credit score and pursue the maximum point-buffer to ensure the most favorable terms and opportunities while navigating life’s financial events. Consumers struggling with difficult financial situations should also focus careful attention on their credit. Everyone should understand that credit can be redeemed no matter the situation or life event. No one should agonize over their credit. There are always options.”

“Finally, it’s time for the certified financial planners and the other ‘experts’ to stop selling America short with the same advice they mimic constantly. Credit is too crucial a subject and we should reject distractions like the recent blog from’s Christine DiGangi ( Although I’ll concede that obsession over maintaining a perfect score is not a healthy or prudent pursuit, I’ll never deny that a deep understanding of the details of one’s personal credit should occupy much more than an occasional concern.”

“FICO, with its trademark displayed conspicuously on its corporate website, announces ‘Make Every Decision Count.’ I couldn’t agree more,” concluded Howe. “Therefore, let’s make every single decision count while also making every single point count.”

About SubscriberWise (

SubscriberWise® launched as the first U.S. issuing consumer reporting agency exclusively for the cable industry in 2006. In 2009, SubscriberWise and TransUnion announced a joint marketing agreement for the benefit of America’s independent cable operators ( Today SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co. The SubscriberWise mark was declared incontestable by the USPTO in 2013.

SubscriberWiseDavid E. Howe, President, 330-880-4848 x137

Source: SubscriberWise

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