Online Trading Academy Dubai was recognized last year when it received Best Educational Institute Award from Arabcom.

The Dubai campus joined the growing franchise network and became the 1st Middle East campus for Online Trading Academy in 2005.

Since then they have had over 700 gradates complete the training courses in various assets classes such as: forex, equities/stock, options, futures/commodities and wealth management.

At Online Trading Academy Dubai courses are taught in both Arabic and English for individual trader/investors and brokers.

This unique education environment allows students to practice what they are taught in class by trading live using real money, Online Trading Academy’s money, in its Professional Trader course.

This allows students to practice what they were taught without risking their own money or paying commission costs. With a firm commitment to their students, Online Trading Academy also offers free course retakes at any of the over 30 worldwide locations.

On a Facebook fan page for the Kirby Wilbur Show, Wilbur said KVI management “chose not to renew my contract which expires 12/31. It was not my choice to leave. Thank you all for years of loyal listenership and friendship.”

Wilbur could not be reached for comment today.

Jim Clayton, general manager at KVI, said the staton chose not to renew Wilbur’s contract because “his ratings are not strong. That’s really what the decision is based on.”

Clayton said he told Wilbur about his decision at the end of Thursday’s show.

Wilbur’s contract will be paid out through the end of the year, Clayton said.

Wilbur had been on-air with the station since 1993, and most recently hosted a morning show.

Wilbur’s show has been replaced by the nationally syndicated Laura Ingraham Show.

Clayton said the station is searching for “a talent that we think can go in there and perform better, ratings-wise. … Hopefully we can find someone local.”

It’s a good time of year to be in the market for cookware because many stores discount it at the holidays. But they often push huge sets with pieces you’ll never use.

Here are some tips on saving money when choosing pots and pans.

Go for quality. Buying top brands will serve you well in the long run, says cookbook author Jorj Morgan, whose favorites are All-Clad, Calphalon and Le Creuset.

As well as its composition — cast iron, copper, polished stainless steel, scratch-resistant anodized aluminum or another material — consider how the cookware will be used. Aluminum is good for high heat. Stainless steel with a nonstick surface is great for a cook just starting out; just know that some finishes wear through fast. Plain cast-iron cookware, seasoned to create a nonstick surface, is excellent for eggs, while the weight and finish of enameled cast iron make it perfect for braising and stew — and just about everything else.

There are helpful comparison charts at www.williams-sonoma.com/shop/cookware/cookware-compare/ and yourcookwarehelper.com.

Know what’s essential. Decide which pieces are must-haves, like frying pans and a stockpot, and beware that some sets don’t include them.

“For less money, you can customize your preferences,” says Morgan. “Shopping sale items and knowing what pans fit your cooking style is a better choice.”

Read reviews. A good place to start your research is Amazon.com.

“Even if I’m not buying a piece of cookware from Amazon.com, I’ll still go there and read product reviews,” says Amy Sherman, who writes the blog Cooking with Amy, at cookingwithamy.blogspot.com. If lots of people complain about the same feature or product, that’s worth considering when making your purchase, she adds.

Also check other sites, especially www.consumersearch.com, for reviews and recommendations. And ask friends who cook a lot what they use and like best.

Shop around. The timing couldn’t be better to purchase cookware at department stores, such as Macy’s, or lower-price retailers like Kmart, Target and closeout retailer Tuesday Morning, says Simply Recipes blogger Elise Bauer ( simplyrecipes.com ).

“You can mix and match and get some good deals,” Bauer says.

One of her favorite brands is Tools of the Trade, available at Macy’s.

Also try your local restaurant supply store (most cities have at least one, though they generally don’t advertise to consumers; check online or in the yellow pages) for deals on the workhorse equipment that eateries use.

Remember the warehouses. If you’re fixated on buying a set, head to a warehouse store like BJ’s Wholesale Club or Costco Wholesale, says Hugh Rushing, executive vice president of the Cookware Manufacturers Association.

And don’t skip over store-brand cookware, he said, because it’s often made by reputable manufacturers.

“If you’re willing to pay between $150 and $200, you can really get a nice set of cookware that should last you between five and 10 years before it begins to deteriorate,” Rushing says.

A Tramontina 12-piece aluminum set is listed for $129.99 at BJ’s online, and a 14-piece heavy-duty anodized set from Costco’s Kirkland brand goes for $179.99 online.

First Direct increased its balance transfer fees from 2.5% to 2.9% this month, following M&S Money’s increase from 2% to 2.5% at the start of October.

First Direct Gold, available to new customers only, offers one of the best interest-free periods for purchases at 12 months, and one of the best balance transfer rates at 5.9% for five years — popular with shoppers who also want to switch a balance from a more expensive card.

Egg recently rebranded its cashback card to the Egg Money World Mastercard and now charges £1 a month.

The changes come as Price Waterhouse Coopers, the accountant, said last week that credit cards will increasingly have to levy monthly fees and raise rates to offset bad debts. Research by Defaqto, the banking analyst, found that 7.4% of cards available to new customers charged a monthly fee. In November 2006, it was just 4.2% of the market.

Here we offer five tips to get the most from credit cards this Christmas:

1 USE SEPARATE CARDS One of the main gripes with credit cards is that they pay off the cheapest debt first, so if you have a 0% balance transfer deal but spending is charged at 9%, your payments will go towards paying off the 0% debt first. Only Nationwide and Saga have a positive order of payments.

Others have changed rates so the consumer is potentially worse off. Clydesdale Bank, for example, has recently changed its 0% offer on balance transfers from six months to 12, while its 0% rate for purchases was reduced from six months to three.

David Black of Defaqto suggests customers who want to use a balance transfer service and benefit from 0% on purchases should consider two cards — one for the transferred balance and the other for purchases.

The best card for balance transfers is Virgin Money, which offers 16 months at 0%. However, there is a 2.98% fee and its free purchase period lasts only three months.

For purchases you would be better off with a Tesco Clubcard, which offers 12 months interest-free on purchases.

If you would rather have one card, consider the AA credit card, which offers 0% on balance transfers and purchases until November 2010.

2 USE THE RIGHT CASHBACK CARD One of the best deals is on the American Express Platinum. It offers 5% cashback on all purchases but for only the first three months and up to £100. For the full benefit, you must spend £2,000 in the first three months.

After the first three months, the standard cashback rate is 0.5% on annual spending up to £3,500, then 1% on spending up to £7,500. Anything above this earns 1.25%.

However, Amex is not accepted in many locations, so a good alternative is Barclaycard’s cashback credit card, which pays 1% on the first £2,000 of spending, followed by 0.5% on up to £20,000 each year. The maximum you can get is £110 a year. A spend of £1,000 a month would earn £70.

3 TAKE ADVANTAGE OF REWARDS Many card providers entice customers with loyalty and reward schemes. One of the better ones is Tesco’s Clubcard — especially if you regularly shop at the store.

It offers one point for every £4 spent on the card. It also acts as a Clubcard, so you can pick up another two points for every £1 spent at Tesco.

You can either spend your points on shopping at Tesco, where each point equals 1p, or you can use the points on Tesco.com, where each point is worth 4p on certain deals.

4 USE YOUR OVERDRAFT Though banks have been cutting the level of interest-free authorised overdrafts, there are still some good deals.

Abbey and Barclays will offer 12 months interest-free overdrafts if you open a current account and pay in at least £1,000 a month. Alliance & Leicester also offers this but you need pay in only £500 a month. The level of overdraft you get will depend on your credit score, but typically it is about £2,000, said Defaqto.

5 MAKE SURE YOU HAVE THE BEST SCORE Before deciding which card to go for, ensure your credit reference files are as up to date as possible as this will be used to determine what rate you receive or, indeed, whether you will be accepted. You can obtain a copy of your credit file by contacting one of Britain’s three main providers, Experian, Equifax and Call Credit.

The Northwest Straits Derelict Fishing Gear Removal Program received $4.6 million in federal stimulus dollars this summer, with a goal of removing 90 percent of the estimated 4,000 nets by December 2010.

Nets have injured or killed 30,000 birds

N2 Capital Markets will be sending out speaker to the conference, which will see international experts from the Forex industry sharing knowledge in the Forex and financial market. Attendees could expect to learn new trading techniques, news and charting in Forex, Gold and many more, the details of which can also be obtained at N2 cm’s stand (F14) in the Exhibition Hall.

Mr. Ouseh, a director at N2 Training Division (N2fx Training Center) says this is a good opportunity for potential Forex traders to learn more about online Forex trading from a number of experts. He also added N2cm stand is open for potential traders to interact with N2 Forex Instructors and learn about N2 services.

Highlights for the Third Quarter of 2009:

• Adjusted EBITDA improved 88.9% to $1.7 million from $0.9 million in last year’s third quarter, marking the 8th consecutive quarterly improvement;
• Gross profit increased 11.4% to $3.9 million from $3.5 million in the year-ago quarter;
• Gross profit margins increased 900 basis points to 48.7% from 39.7% in the third quarter of 2008;
• Cost of sales decreased $1.1 million or approximately 21.1% to $4.1 million, from $5.2 million in the third quarter of 2008;
• Strengthened balance sheet with $6.6 million in cash as of September 30, 2009 compared with $4.5 million as of December 31, 2008;
• Transaction-based sales were $21.8 million compared with $22.9 million in the year-ago quarter, reflecting the slowdown in the economy and elimination of underperforming units;
• Average transaction-based sales per withdrawal transaction improved to $2.47 from $2.35 in the third quarter of 2008, resulting from the elimination of poor performing ATMs;
• Average commission per withdrawal transaction increased to $1.73 from $1.69 in the third quarter 2008 as a result of increased surcharge fees;
• Net transaction-based sales per withdrawal increased to $0.74 from $0.66 in the third quarter of 2008; and
• Average number of transacting machines was 11,233 compared with 11,813 in the year-ago third quarter.

Highlights for the Nine Months ended September 30, 2009:

• Adjusted EBITDA improved approximately 91.3% to $4.4 million from $2.3 million in last year’s corresponding nine month period;
• Gross profit increased approximately 11.0% to $11.1 million from $10.0 million in the year-ago period;
• Gross profit margins increased 950 basis points to 49.4% from 39.9% in the first nine months 2008;
• Cost of sales decreased approximately 24.5% to $11.4 million, compared with $15.1 million in the corresponding period of 2008;
• Transaction-based sales improved to $64.4 million compared with $60.8 million in the corresponding period of 2008;
• Average transaction-based sales per withdrawal transaction improved to $2.43 from $2.37 in the corresponding period of 2008;
• Net transaction-based sales per withdrawal were $0.69 compared with $0.75 in the year-ago nine-month period;
• Average commission per withdrawal transaction increased to $1.74 from $1.63 in the first nine months of 2008 as a result of increased surcharge fees;
• Average number of transacting machines was 11,329 during the nine-month period ended September 30, 2009 compared with 10,584 in the corresponding period in 2008.

Management Discussion

Richard Stern, President and CEO of Access to Money said, “For the past two years, our management team has implemented a complete restructuring effort that included repositioning the portfolio by removing underperforming assets, improving operating efficiency, reviewing vendor relationships, and renegotiating contracts. We also identified complementary business partners and managed the transition towards our core strengths, while focusing on the sales, service and management of ATMs within the United States. Our acquisition of LJR Consulting in April 2008, our subsequent integration efforts, followed by our re-branding into “Access to Money,” all contributed to the significant transformation of our Company, and have helped to set our strategic direction.”

He continued, “Our efforts have resulted in consistent positive improvement in cash flow, as evidenced by our $2.1 million increase in cash since the end of last year. Despite the difficult economic conditions, we expect continued improvements in cash flow. Our cost savings and efficiency measures have resulted in improvements in gross profits, gross profit margins, adjusted EBITDA and non-GAAP income, even though the downturn in the economy has affected our transaction levels.”

Mr. Stern added, “With the restructuring efforts behind us, we are concentrating on making continued improvements to our operations and differentiating our services in the marketplace. In line with this strategy, we have implemented initiatives that we believe will offer benefits to both customers and consumers alike. For example, we have deployed between 25 and 30 Select-A-Branch test locations at various commercial retail sites and have seen between a 30.0% and 40.0% increase in transactions at these sites. We remain excited about this technology and its applications across a broader portfolio of machines. Moreover, this quarter, the first tranche of student loans for which we provided outsourcing services, were funded by our financial institution customers.”

He concluded, “Our team continues to work on growing our business through new customer acquisitions, streamlining our existing business, improving our operations, and evaluating new business services that complement our core strengths, as we strive to improve shareholder value.”

Third Quarter Financial Results

For the third quarter ended September 30, 2009, sales were $23.3 million compared with $25.2 million for the same period in 2008. Transaction-based sales for the third quarter were $21.8 million compared with $22.8 million in last year’s third quarter. The decrease in sales is primarily attributable to the economic slowdown. Machine sales for the quarter were $690,000, a decrease of $378,000 from last year’s third quarter, due to lower demand of new machines as compared to the prior year period.

Commissions for the third quarter of 2009 were $15.3 million compared with $16.5 million in the year-ago third quarter. The decrease in commissions resulted from the Company’s reduction of non-profitable machines and lower transaction volume due to normal attrition between the third quarters of 2008 and 2009.

Cost of sales from operations decreased approximately 21.0% to $4.1 million during the third quarter of 2009 as compared to $5.2 million during the third quarter of 2008. The reduction in cost of sales was due primarily to the reduction in cost of cash, resulting from a change in cash providers, improvements in third party service vendor communications, and reduced processing and telecommunications costs from improved contracts with vendors.

Selling, general and administrative expense, which includes stock compensation expense, decreased by approximately 12.5% to $2.8 million in the third quarter of 2009 from $3.2 million in the third quarter of 2008. Part of the reduction in costs was attributable to the Company’s restructuring of its workforce and consolidation of offices.

Operating income for the third quarter of 2009 was $1.1 million, compared with $235,000 in the third quarter of 2008.

Net loss for the third quarter 2009 was $2.6 million, or $0.12 per share, compared with a net loss of $1.1 million or $0.05 per share in the third quarter 2009. Non-GAAP net loss for the third quarter improved to $0.1 million, or $0.01 per share, compared with a non-GAAP net loss of $1.1 million or $0.05 per share for the 2008 third quarter.

Adjusted EBITDA for the third quarter of 2009 improved 88.9% to $1.7 million, compared with $0.9 million in the third quarter of 2008.

Nine Month Financial Results

For the nine months ended September 30, 2009, gross sales were $68.7 million compared with $67.2 million for the same period in 2008. Transaction-based sales for the nine-month period were $64.4 million compared with $60.8 million in the year-ago nine-month period. The increase in sales was primarily attributable to the additional sales from LJR Consulting, which was acquired in April 2008. Machine sales were $1.6 million for the first nine months of 2009 compared with $2.3 million in the first nine months of 2008, primarily because of lower consumer demand related to the economic downturn.

Commissions for the first nine months of 2009 were $46.1 million compared with $42.0 million in the year-ago period, with the increase primarily the result of the acquisition of LJR Consulting.

Cost of sales from operations improved approximately 24.5% to $11.4 million during the nine month period ended September 30, 2009 as compared to $15.1 million during the comparable 2008 period, resulting from the same factors that produced more favorable costs for the third quarter.

Selling, general and administrative expense, which includes stock compensation expense, decreased by approximately 25.2% to $8.3 million in the nine month period ended September 30, 2009, from $11.1 million in the comparable 2008 period. The major portion of this reduction was due to a $1.5 million change in non-cash stock compensation that occurred in 2008 along with reductions of $676,000 related to accounting and professional fees and $286,000 of lower outsourced services costs.

Operating income for the first nine months of 2009 was $2.8 million, compared with an operating loss of $1.1 million in the year-ago nine-month period.

Net loss for the first nine months of 2009 was $6.5 million, or $0.30 per share, compared with a net loss of $5.2 million or $0.26 per share, in the first nine months of 2008. Non-GAAP net loss for the nine-month period ended September 30, 2009 improved to $1.1 million, or $0.05 per share, compared with a non-GAAP net loss of $5.2 million, or $0.26 per share in the nine-month period ended September 30, 2008.

Adjusted EBITDA for the first nine months of 2009 improved by approximately 91.3% to $4.4 million, compared with $2.3 million in the first nine months of 2008.

Use of Non-GAAP Measures

This earnings release includes financial information in accordance with U.S. generally accepted accounting principles (”GAAP”), as well as non-GAAP financial measures for the three and nine months ended September 30, 2009.

To supplement its condensed consolidated financial statements presented in accordance with GAAP, the Company uses the following non-GAAP financial measures: non-GAAP net loss, non-GAAP loss per basic and diluted shares, and Adjusted EBITDA. The presentation of this financial information is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. In addition, the non-GAAP financial measures included in this press release may be different from, and, therefore, not comparable to, similar measures used by other companies. The Company’s non-GAAP measures of net loss and loss per basic and diluted share used in this release exclude valuation adjustments associated with its outstanding warrants. Its non-GAAP measure of Adjusted EBITDA removes the impact of its capital structure (interest expense), fair value adjustment of warrants, asset base (amortization and depreciation), stock-based compensation expenses, taxes, and certain non-recurring expenses from its results of operations.

Management believes that these non-GAAP financial measures provide meaningful supplemental information regarding its performance by excluding certain expenses and expenditures that may not be indicative of its core business operating results. It believes that both management and investors benefit from referring to these non-GAAP financial measures in assessing its performance when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to its historical performance and its competitors’ operating results. Management believes that these non-GAAP measures are useful to investors in allowing for greater transparency with respect to supplemental information used by management in its financial and operational decision making.

The tables below present a reconciliation of the non-GAAP net loss, loss per basic and diluted share amounts, and adjusted EBITDA to the GAAP net loss and loss per basic and diluted share amounts, the most directly comparable GAAP measures for the three and nine months ended September 30, 2009.

About Access to Money, Inc.

Access to Money, Inc. is one of the largest providers and non-bank operators of ATMs in the United States. With more than 12,000 terminals under contract, its customers range from national specialty stores, retailers and credit unions to individual convenience stores, and are located throughout all 50 states. Access to Money also provides student loan outsourcing services to university credit unions throughout the United States.

FORWARD-LOOKING STATEMENTS

This press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). All statements other than statements of historical facts included herein, including without limitation, statements regarding our future financial position, business strategy, budgets, projected sales, projected costs and plans and objective of management for future operations, are forward-looking statements. In addition, forward-looking statements generally can be identified by the use of forward-looking terminology such as “may,” “will,” “expects,” “intends,” “plans,” “projects,” “estimates,” “anticipates,” or “believes” or the negative thereof or any variation there on or similar terminology or expressions. These forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from results proposed in such statements. Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to have been correct. Important factors that could cause actual results to differ materially from our expectations include, but are not limited to: a decline in ATM transaction volume or fees, changes in technology standards, regulatory changes, increases in interest rates, the inability to obtain cash for our ATMs, market acceptance of our student loan processing services, demand for student loans, availability of credit, changes in regulations regarding student loans and financial institutions, and statements of assumption underlying any of the foregoing, as well as other factors set forth under the caption “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2008 filed with the Securities and Exchange Commission and other filings with the SEC. Readers are cautioned not to place undue reliance on these forward-looking statements which speak only as of the date of this press release. All written and oral forward-looking statements attributable to us, or persons acting on our behalf, are expressly qualified in their entirety by the foregoing. We assume no duty to update or revise our forward-looking statements based on changes in internal estimates, expectations, or otherwise or to reflect events or circumstances after the date hereof.

                                Financial Tables

                               Access to Money, Inc.
                  Condensed Consolidated Statements of Operations
                                    (Unaudited)
                     (In thousands, except per share amounts)

                                 Three months ended        Nine months ended
                                   September 30,             September 30,
                              -----------------------    --------------------
                                2009           2008        2009        2008
                              --------       --------    --------    --------
    Sales                     $23,319       $25,221      $68,694     $67,158
    Commissions                15,291        16,518       46,109      42,041
                              --------       --------    --------    --------
    Net sales                   8,028         8,703       22,585      25,117

    Cost of sales:
      Cost of vault cash          490           998        1,461       3,018
      Other                     3,627         4,251        9,978      12,089
                              --------       --------    --------    --------

    Gross profit                3,911         3,454       11,146      10,010

    Selling, general and
     administrative expense     2,769         3,208        8,211       9,463
    Stock compensation expense     30            11           95       1,629
                              --------       --------    --------    --------

    Operating income (loss)     1,112           235        2,830      (1,082)

    Interest expense and
     amortization of debt
     issuance costs             1,290         1,358        3,873       2,773
    Loss on early extinguishment
     of debt                        -             -            -       1,456
    Other expense (income),
     net                          (13)         (244)        (107)       (302)
    Loss on asset disposal         13           182           77         193
    Change in fair value of
     warrants                   2,450             -        5,445           -
                              --------       --------    --------    --------

    Net loss                  $(2,628)      $(1,061)     $(6,458)    $(5,202)
                              ========       ========    ========    ========

    Weighted average common
    shares outstanding         21,786        21,486       21,667      19,786

    Basic and diluted loss per
     share                      $(.12)        $(.05)       $(.30)      $(.26)

                               Access to Money, Inc.
                      Condensed Consolidated Balance Sheets
                                   (In thousands)

                                            (Unaudited)          (Audited)
                                            September 30,        December 31,
                                                2009                2008
                                            -------------       -------------
    Assets
    Current assets:
      Cash                                     $6,628              $4,535
      Restricted cash                             800               2,012
      Accounts receivable, net of allowance of
       $284 in 2009 and $684 in 2009            2,868               2,998
      Leases receivable, net                        -                 176
      Inventories                                 578                 505
        Prepaid expenses and other                327                 308
      Deferred financing costs                    259                 259
                                            -------------       -------------
        Total current assets                   11,460              10,793

    Property and equipment, net                 3,104               2,815
    Non-current leases receivable, net              -                 786
    Intangible assets, net                      1,816               2,120
    Goodwill                                   10,654              10,657
    Deferred financing costs, long term           142                 337
    Other assets                                  388                 593
                                            -------------       -------------
        Total assets                          $27,564             $28,101
                                            =============       =============

    Liabilities and Shareholders’ Deficit
    Current liabilities:
      Accounts payable                         $6,206              $6,851
      Accrued and other expenses                5,789               5,369
      Term loans                                1,710               2,067
                                            -------------       -------------
        Total current liabilities              13,705              14,287

    Long term liabilities:
      Term loans and other debt                17,995              17,032
      Warrants                                  6,938                   -
                                            -------------       -------------

    Shareholders’ deficit:
      Common stock, $0.001 par value - 70,000
       shares authorized; 21,786 and 21,486
       shares issued and outstanding at
       September 30, 2009 and
       December 31, 2008                      135,852             145,938
      Additional paid-in capital                   63                  63
      Accumulated deficit                    (146,989)           (149,219)
                                            -------------       -------------
        Total shareholders’ deficit           (11,074)             (3,218)
                                            -------------       -------------
    Total liabilities and shareholders’
     deficit                                  $27,564             $28,101
                                            =============       =============

                          Adjusted EBITDA Reconciliation
                                    (Unaudited)
                                    ($millions)

                                 Three months ended        Nine months ended
                                   September 30,             September 30,
                              -----------------------    --------------------
                                2009           2008        2009        2008
                              --------       --------    --------    --------
    Net Loss                    $(2.6)        $(1.1)       $(6.5)      $(5.2)
    Add:
    Interest expense              1.3           1.4          3.9         2.8
    Depreciation and
     amortization                 0.5           0.5          1.4         1.4
    Loss on early extinguishment
     of debt                        -             -            -         1.5
    Non-cash stock compensation
     expense                        -             -          0.1        1.6
    Loss on asset disposal          -           0.1          0.1        0.2
    Change in warrant value       2.5             -          5.4          -
                              -----------------------    --------------------
    Adjusted EBITDA              $1.7          $0.9         $4.4       $2.3

                       Reconciliation of GAAP to Non-GAAP Net Loss
                                    (Unaudited)
                        ($millions, except per share amounts)

                                 Three months ended        Nine months ended
                                   September 30,             September 30,
                              -----------------------    --------------------
                                2009           2008        2009        2008
                              --------       --------    --------    --------
    GAAP net loss               $(2.6)        $(1.1)       $(6.5)      $(5.2)
    Impact of change in warrant
     valuation                   (2.5)            -         (5.4)          -
                              -----------------------    --------------------
    Non-GAAP net loss           $(0.1)        $(1.1)       $(1.1)      $(5.2)

                                 Three months ended        Nine months ended
                                   September 30,             September 30,
                              -----------------------    --------------------
                                2009           2008        2009        2008
                              --------       --------    --------    --------
    GAAP loss per basic and
     diluted share             $(0.12)       $(0.05)      $(0.30)     $(0.26)
    Impact of change in
     warrant valuation          (0.11)            -        (0.25)          -
                              -----------------------    --------------------
    Non-GAAP loss per basic
     and diluted share         $(0.01)       $(0.05)      $(0.05)     $(0.26)

Rep. Pete Hoekstra , R-Mich., said sources “outside of the [intelligence] community” learned about Hasan’s possible connections to the Asian country, which faces a massive Islamist insurgency and is widely believed to be Osama bin Laden’s hiding place.

Hoekstra, the ranking Republican on the House Intelligence Committee , would not identify the sources. But he said “they are trying to follow up on it because they recognize that if there are communications – phone or money transfers with somebody in Pakistan – it just raises a whole other level of questions.”

Much remains unknown about the 39-year-old Hasan, born in Virginia to Palestinian immigrants. He lived alone near the Army base in Killeen, Texas, and would sometimes use a neighbor’s computer even though he had his own.

“With what I know about Hasan to date … I would expect we will learn more about him that will make us concerned,” Hoekstra said, “rather than information that says, ‘Oh man, we got that all wrong and this had nothing to do with terrorism.’ ”

Hasan’s finances have been a mystery since last week, when the Army major and psychiatrist allegedly shot and killed 13 colleagues at the sprawling Central Texas military base. Hasan earned more than $90,000 a year and had no dependents, yet lived in an aging one-bedroom apartment that rented for about $300 a month.

“You can bet there is an ongoing, extensive investigation into every single financial transaction he made,” said Matt Orwig, a former U.S. attorney for the Eastern District of Texas who has no direct knowledge of the Hasan case. “Federal investigative agencies are very good at tracing the flow of money, both to him and from him.”

Authorities know that Hasan sent repeated e-mails, starting some time in December 2008, to a radical Muslim cleric in Yemen. That cleric, Anwar al-Awlaki, formerly served as imam of a large northern Virginia mosque where Hasan worshipped. The U.S.-born cleric praised Hasan after the massacre as “a hero.”

In January, al-Awlaki told readers of his blog about “44 ways to support jihad” – a term often translated as “holy war.” Many of his points dealt with ways to fund such efforts.

“Probably the most important contribution the Muslims of the West could do for Jihad is making Jihad with their wealth,” al-Awlaki wrote. “In many cases the mujahideen are in need of money more than they are in need of men.”

He also stressed the importance of “avoiding the life of luxury.”

A spokesman for the U.S. Justice Department referred questions Wednesday to the FBI , which didn’t return a message seeking comment. FBI officials have said they studied Hasan’s communications with an unnamed radical Muslim and concluded they were a harmless part of his academic research.

Hoekstra said he wants to know whether authorities knew about Hasan’s behavior when they decided his contacts with the Yemeni imam were essentially harmless.

“The conclusion based off just the e-mails might have been perfectly legitimate,” Hoekstra said. “But if the [terrorism] analyst for some reason didn’t have access to all this other information, that might be where the problem is.”

Some of Hasan’s former colleagues in the Washington area said his behavior raised red flags that should have been addressed. While pursuing a master’s degree in public health, Hasan lectured a class about suicide bombers and the conflicts faced by Muslim U.S. soldiers fighting against other Muslims.

Doctors at Walter Reed Army Medical Center and the Uniformed Services University of the Health Sciences, where Hasan trained and studied, questioned whether he was mentally unstable and a possible danger to fellow soldiers, according to National Public Radio . Discussions began in spring 2008 and continued over the next year.

“Put it this way,” NPR quoted one unnamed source as saying, “everybody felt that if you were deployed to Iraq or Afghanistan, you would not want Nidal Hasan in your foxhole.”

S. Ward Casscells, former assistant secretary of defense for health affairs, told The Dallas Morning News that Hasan had trouble connecting with patients and colleagues at Walter Reed.

“Doctors at Walter Reed I worked with say he was a strange and lonely guy who did not really earn the trust of his patients and fellow doctors,” said Casscells, vice president for external affairs and public policy at the University of Texas Health Science Center at Houston. “They attribute that to his personality, not to religious discrimination.”

Despite concerns about Hasan, his views and his poor job performances, the consensus was to send him to Fort Hood after he finished his medical training, The Associated Press reported. Fort Hood was considered the best assignment for Hasan because other doctors could handle the workload if he continued to perform poorly, and his superiors could document any continued behavior problems, the AP quoted an unnamed military official familiar with the discussion as saying.

Family members said shortly after last week’s rampage that Hasan opposed the wars in Iraq and Afghanistan, wanted out the Army and had sought legal advice. But Pentagon officials said they found nothing to indicate that Hasan formally sought to leave the Army, the AP said.

Even if Hasan had sought a discharge, the Army almost certainly would have denied it, senior Army officials told The Washington Post . Hasan had a continuing obligation to the Army because it provided his medical training and promoted him in May to the rank of major.

Colleagues and associates have described Hasan as a loner who voiced his opposition to the wars, including his assertion that Muslims were justified in fighting American troops. Hasan’s family has said he became more distressed as he learned he was about to be deployed to Afghanistan.

“He is a kind of fundamentalist. He thinks a Muslim must defend themselves,” said Golam Akhter, a civil engineer from Bethesda, Md., who said he spoke with Hasan on several occasions at the mosque where they worshipped.

He said he knew Hasan was a doctor but didn’t know he was a member of the Army.

“He used to dress in long dresses just like Pakistanis, and that made me also concerned,” Akhter said. “Usually only the imam uses those loose and long shirts and sleeves. That made me [wonder], being very educated, why he is using the imam’s dress.”

Matthew Levitt, director of counterterrorism and intelligence at the Washington Institute for Near East Policy, said wire transfers to Pakistan would be “extremely significant in terms of a potential network for this particular case.”

Tracing money to Pakistan could be easy if Hasan used a formal bank or wire service. It would be more difficult if he sent money under another name or used an informal channel known as hawala that is popular in Pakistan and doesn’t involve paperwork.

“If it turns out the person was radicalized to the point he was sending money to other insurgents or other terrorists, that takes it to another level still,” Levitt said.

That’s to say, you should plan how much money you will spend on the Christmas Holiday and stick with your budget strictly. It is very necessary for you to take your financial situations into consideration, many young men are impulsive consumers, the final result is that most people are in the red. So if you plan to have a very happy Christmas holiday in 2009, from now on, you should make a plan of spending money. For example, you can save 10% of your salary or deposit little money in your piggy bank, little by little; you can save a large sum of money before Christmas.
Second, you’d better write down a Christmas gift list

Simply to say, what’re the gifts you want to buy for your families and friends? You should consider two things clearly:

Firstly, you should write down the gifts’ receivers;

Secondly, consider what the favorite gift he wants to get is. That’s will cost you some time, because you should remember every word he or she said about Christmas from now on and guess what kind of gifts he wants to receive. Oh, god, it’s very hard!

But don’t worry, there is an easy solution to this problem, you can ask him or her directly, “which gift do you want to get on this year’s Christmas?” or something like that, then you don’t need to troubled by this.So just take it easy, because whatever you sent, your friends or families will like it best! Be confident, you can find the best gifts.

There is another way to find the gift list from the internet; many online shops will present a gift list for the customers, so you can search it from the internet using the keywords, like “video game gift list”, “Christmas Shopping gift list”, “Christmas gift list” and so on. Certainly you will find a satisfaction from it!
Third, you should collect the Christmas Presents’ information and then find a best gift

Collecting the Christmas presents’ information from some famous websites, or through the Google, Bing, yahoo to search the keywords to find the delicate online shops, such as, Christmas gifts, Christmas shopping, Christmas discount, Christmas news and so on to find the best information you want. Because most online shops will give a big discount before the Christmas coming, they’ll publish some the latest news. You can not only save a lot of money, but also you can save a lot of time from the online shopping.

For example, if your children want to buy a Nintendo DS Lite, you can search the keywords, “Nintendo DS Lite” “DS lite”, then pick up the best price from the front three pages’ online shops. There are a lot of video game online shops, such as, www. wiilovemario.com, www.ishopvideogame.com and www.gameyeeeah.com, and so on, they’re all reliable and trustable, fast delivery and best after-sale service! Everyone is very care about the service and the products. You can have a try!
Fourthly, you’d better shop early to make sure get the gifts before Christmas

After so many preparations, ACTION NOW! From November, every store will give a discount! So if you want your families or friends to receive your gifts before Christmas and have a big surprise, “WOW, GREAT, I LIKE IT! “. You should shop early and order ahead of time. You should take the delivery time and some emergent conditions into consideration; the best way is to order before Christmas. So take action now!
Fourth, don’t consume on impulsive at Christmas

Before Christmas, there will be a lot of discount information on the internet, and many stores are 50% OFF and so on. For example, ishopvideogame and gameyeeeah are also provide some discount, coupon, return points, activities for every customer.

At first, you should register some newsletters to get the latest discount or coupon code information directly. Secondly, pay much attention to the Christmas online shops’ news and blogs. Thirdly, search the keywords on the Google search engine, such as, “r4i 55% OFF”, “r4i sdhc 40% OFF”, “DS Lite discount”. In general, through the Google search engine to search “ the keywords + OFF/ discount/ coupon code” and so on. Then you will find the compatible information you wanted.

Actually, many famous brands will be in discount, so at that time, you come across the bags and clothes you like very much, please calm down and think for a while, “ is this thing I NEEDED?” If need, buy it now; if not, please appreciate it (or you can try it on, it doesn’t matter! No one will blame you!) and turn around elegantly to buy the best and most needed gifts and things!

The Santa Claus hopes everybody have a wonderful Christmas, ishopvideogame hopes the five tips to save money on Christmas Shopping will help you a lot!