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	<title>North Bay Business Journal &#187; Commentary</title>
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		<title>Strong 2011 puts Exchange Bank closer to &#8216;primary objective&#8217; of dividend</title>
		<link>http://www.northbaybusinessjournal.com/47722/banking-column-exchange-bank-and-redwood-credit-union/</link>
		<comments>http://www.northbaybusinessjournal.com/47722/banking-column-exchange-bank-and-redwood-credit-union/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 14:40:35 +0000</pubDate>
		<dc:creator>Eric Gneckow, Business Journal Staff Reporter</dc:creator>
				<category><![CDATA[Banking and Finance]]></category>
		<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Bank of Marin]]></category>
		<category><![CDATA[Bank of Napa]]></category>
		<category><![CDATA[earnings]]></category>
		<category><![CDATA[Hennessy Advisors]]></category>
		<category><![CDATA[Marin County]]></category>
		<category><![CDATA[Napa County]]></category>
		<category><![CDATA[North Bay Business Journal 2-6-2012]]></category>
		<category><![CDATA[Redwood Credit Union]]></category>
		<category><![CDATA[Sonoma County]]></category>
		<category><![CDATA[Westamerica Bank]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47722</guid>
		<description><![CDATA[Santa Rosa-based Exchange Bank earned $12.2 million in net income over the course of 2011, a 19 percent increase from the prior year that the bank attributed to developments such as strong core earnings and a reduction in problem assets.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>George Petersen Insurance completes move into new quarters</title>
		<link>http://www.northbaybusinessjournal.com/48100/george-petersen-insurance-completes-move-into-new-quarters/</link>
		<comments>http://www.northbaybusinessjournal.com/48100/george-petersen-insurance-completes-move-into-new-quarters/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 14:25:02 +0000</pubDate>
		<dc:creator>Dan Verel, Business Journal Staff Reporter</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Business Insurance 2-6-2012]]></category>
		<category><![CDATA[Center for Medicaid & Medicare Services]]></category>
		<category><![CDATA[CMS]]></category>
		<category><![CDATA[George Petersen Insurance]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[Medicaid]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[North Bay Business Journal 2-6-2012]]></category>
		<category><![CDATA[NorthWest Insurance Agency]]></category>
		<category><![CDATA[Patient Protection and Affordable Care Act in 2010]]></category>
		<category><![CDATA[Robb Daer]]></category>
		<category><![CDATA[Sonoma County]]></category>
		<category><![CDATA[U.S. Department of Health and Human Services]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=48100</guid>
		<description><![CDATA[George Petersen Insurance Agency completed its move from one College Ave.  location in Santa Rosa to another, at 175 West College Ave. last week, which was the result of the company absorbing NorthWest Insurance in 2010.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/48100/george-petersen-insurance-completes-move-into-new-quarters/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What will you leave for your organization?</title>
		<link>http://www.northbaybusinessjournal.com/48061/what-will-you-leave-for-your-organization/</link>
		<comments>http://www.northbaybusinessjournal.com/48061/what-will-you-leave-for-your-organization/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:30:50 +0000</pubDate>
		<dc:creator>Mary Luttrell</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[North Bay News]]></category>
		<category><![CDATA[leadership]]></category>
		<category><![CDATA[Mary Luttrell]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 2-6-2012]]></category>
		<category><![CDATA[Peter Drucker]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=48061</guid>
		<description><![CDATA[Now is a good time. No matter where you are in your tenure as a leader, right now is the right time to begin shaping the legacy you wish to leave your organization. Your legacy is what continues in the hearts and minds of the people, in the systems and structures of the organization, in the culture and the stories that are told for years to come. It's what stays alive after you are no longer there.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Letter to the Editor: Save a park, run for Annadel</title>
		<link>http://www.northbaybusinessjournal.com/48056/letters-to-the-editor-save-a-park-run-for-annadel/</link>
		<comments>http://www.northbaybusinessjournal.com/48056/letters-to-the-editor-save-a-park-run-for-annadel/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:30:13 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Letters]]></category>
		<category><![CDATA[Annadel Half Marathon]]></category>
		<category><![CDATA[Annadel State Park]]></category>
		<category><![CDATA[letters to the editor]]></category>
		<category><![CDATA[Matt Schiffer]]></category>
		<category><![CDATA[North Bay Business Journal 2-6-2012]]></category>
		<category><![CDATA[parksalliance.com]]></category>
		<category><![CDATA[Sonoma County]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=48056</guid>
		<description><![CDATA[nadel State Park has been a staple and beautiful asset to the Santa Rosa community for 41 years and now has a very uncertain future. As widely reported, the State of California can no longer maintain the park – the largest in Sonoma County – due to budget cuts. On July 1, the State will “close” Annadel State Park. Sonoma County Regional Parks is pursuing the possibility of managing Annadel on an interim basis, and working closely with the Parks Alliance for Sonoma County and other local nonprofit partners to raise the money to cover operating costs. ]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/48056/letters-to-the-editor-save-a-park-run-for-annadel/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>FTC reviewing online advertising rules</title>
		<link>http://www.northbaybusinessjournal.com/48047/48047/</link>
		<comments>http://www.northbaybusinessjournal.com/48047/48047/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:30:01 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Marketing and Business Development]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Daniel K. Slaughter]]></category>
		<category><![CDATA[dot.com]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 2-6-2012]]></category>
		<category><![CDATA[online advertising]]></category>
		<category><![CDATA[Stein & Lubin]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=48047</guid>
		<description><![CDATA[ The rules of online advertising are about to change.  On Aug. 10, 2011, the Federal Trade Commission’s public comment period closed on its revised guidelines for Internet advertising. Now the difficult process of updating the guidelines begins and anyone who advertises or sells on the Internet should pay close attention to the FTC’s actions and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing in human services has huge benefits for costs, people</title>
		<link>http://www.northbaybusinessjournal.com/47549/investing-in-human-services-has-huge-benefits-for-costs-people/</link>
		<comments>http://www.northbaybusinessjournal.com/47549/investing-in-human-services-has-huge-benefits-for-costs-people/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 13:30:41 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[nonprofits]]></category>
		<category><![CDATA[Marin Valentine's Ball]]></category>
		<category><![CDATA[Mary Denton]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 1-30-2012]]></category>
		<category><![CDATA[Sunny Hills Services]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47549</guid>
		<description><![CDATA[And while we apply our expertise to these areas, the public and private sectors are frequently putting Band-Aids on  social ills and a never-ending set of "solutions" that are often ineffective in prevention and early intervention. As we so carefully construct our business environments to produce healthy outcomes based on efficient and effective practices, we hemorrhage out the other side from the impact of ineffective social policy.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47549/investing-in-human-services-has-huge-benefits-for-costs-people/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Repealing SMART will have expensive consequences</title>
		<link>http://www.northbaybusinessjournal.com/47543/repealing-smart-will-have-expensive-consequences/</link>
		<comments>http://www.northbaybusinessjournal.com/47543/repealing-smart-will-have-expensive-consequences/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 13:30:40 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Transportation]]></category>
		<category><![CDATA[Gary Helfrich]]></category>
		<category><![CDATA[Lisa Wittke Schaffner]]></category>
		<category><![CDATA[Marin County]]></category>
		<category><![CDATA[North Bay Business Journal 1-30-2012]]></category>
		<category><![CDATA[Repeal SMART]]></category>
		<category><![CDATA[Sonoma County]]></category>
		<category><![CDATA[Sonoma Marin Area Rail Transit - SMART]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47543</guid>
		<description><![CDATA[Four years into the biggest economic downturn since the Great Depression, everyone’s looking to boost the economy and invest wisely. In the North Bay, voters have provided the opportunity to do both: the SMART Train &#038; Pathway.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47543/repealing-smart-will-have-expensive-consequences/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Blame, blame, blame &#8230; you</title>
		<link>http://www.northbaybusinessjournal.com/47683/kirchenbauer-column-on-great-by-choice/</link>
		<comments>http://www.northbaybusinessjournal.com/47683/kirchenbauer-column-on-great-by-choice/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 13:30:35 +0000</pubDate>
		<dc:creator>Lary Kirchenbauer</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Building a Business]]></category>
		<category><![CDATA[Great by Choice]]></category>
		<category><![CDATA[Jim Collins]]></category>
		<category><![CDATA[Lary Kirchenbauer]]></category>
		<category><![CDATA[North Bay Business Journal 1-30-2012]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47683</guid>
		<description><![CDATA[Déjà vu all over again? How often have you heard that phrase banging against your skull … and how often was it telling you … “I’ve been here before” … “Didn’t we already solve this problem?” … “Why does this subject keep coming up all the time?”]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47683/kirchenbauer-column-on-great-by-choice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What if a bank CEO and Occupy Wall Street sat down over coffee?</title>
		<link>http://www.northbaybusinessjournal.com/47776/what-if-a-bank-ceo-and-occupy-wall-street-sat-down-over-coffee/</link>
		<comments>http://www.northbaybusinessjournal.com/47776/what-if-a-bank-ceo-and-occupy-wall-street-sat-down-over-coffee/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 13:00:47 +0000</pubDate>
		<dc:creator>Brad Bollinger</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Position]]></category>
		<category><![CDATA[Top News Stories]]></category>
		<category><![CDATA[Brad Bollinger]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 1-30-2012]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47776</guid>
		<description><![CDATA[Imagine for a moment if a bank CEO and an Occupy Wall Street leader sat down over a cup of coffee to talk.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47776/what-if-a-bank-ceo-and-occupy-wall-street-sat-down-over-coffee/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Raydiance weighs Petaluma expansion</title>
		<link>http://www.northbaybusinessjournal.com/45158/commercial-real-estate-fairfield-apartments-sell-for-52-million/</link>
		<comments>http://www.northbaybusinessjournal.com/45158/commercial-real-estate-fairfield-apartments-sell-for-52-million/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 15:00:03 +0000</pubDate>
		<dc:creator>Jeff Quackenbush, Business Journal Staff Reporter</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commercial Real Estate]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Top News Item]]></category>
		<category><![CDATA[Top News Stories]]></category>
		<category><![CDATA[24 Hour Fitness]]></category>
		<category><![CDATA[Cushman & Wakefield]]></category>
		<category><![CDATA[expansion]]></category>
		<category><![CDATA[Fairfield]]></category>
		<category><![CDATA[Larkspur]]></category>
		<category><![CDATA[Lowenberg Corp.]]></category>
		<category><![CDATA[Marin County]]></category>
		<category><![CDATA[mergers and acquisitions]]></category>
		<category><![CDATA[Napa County]]></category>
		<category><![CDATA[Nevins Adams Lewbel Schell - NALS]]></category>
		<category><![CDATA[Petaluma]]></category>
		<category><![CDATA[Raydiance]]></category>
		<category><![CDATA[Santa Rosa]]></category>
		<category><![CDATA[Solano County]]></category>
		<category><![CDATA[Sonoma County]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45158</guid>
		<description><![CDATA[Raydiance, developer of next-generation laser technology, is considering a major expansion in Petaluma this year. Other items in this commercial real estate column: Santa Barbara-based multifamily property investment firm Nevins Adams Lewbel Schell, or NALS, purchased the 292-unit Rolling Oaks luxury apartment complex at 3700 Lyon Road in Fairfield for $52 million, or about $178,000 a dwelling. ... Prima Fluer Botanicals of San Rafael signed a five-year lease for the 14,400-square-foot warehouse and offices at 23 Pimentel Ct. in Novato. ... An affiliate of San Francisco-based industrial real estate investor Lowenberg Corp. purchased a 101,700-square-foot warehouse in American Canyon, Lowenberg's ninth North Bay holding. ... As part of planned projects around the Bay Area, San Ramon-based gym chain 24 Hour Fitness has been upgrading its North Bay facilities.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/45158/commercial-real-estate-fairfield-apartments-sell-for-52-million/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Growers gear up to fight new frost rules</title>
		<link>http://www.northbaybusinessjournal.com/47012/growers-gear-up-to-fight-new-frost-rules/</link>
		<comments>http://www.northbaybusinessjournal.com/47012/growers-gear-up-to-fight-new-frost-rules/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 14:30:07 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Agriculture]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Wine Industry]]></category>
		<category><![CDATA[frost protection]]></category>
		<category><![CDATA[grapes and frost]]></category>
		<category><![CDATA[Mendocino County]]></category>
		<category><![CDATA[Sonoma County]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47012</guid>
		<description><![CDATA[Local growers in the Russian River watershed in Mendocino and Sonoma ounties, titled Russian River Water Users for the Environment, filed a lawsuit against the State Water Resources Control Board (SWRCB) on Oct. 20 in the Sacramento Superior Court for an unprecedented regulation targeting winegrape growers’ use of water for frost protection purposes. ]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47012/growers-gear-up-to-fight-new-frost-rules/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Feds create Coombsville, Fort Ross-Seaview appellations</title>
		<link>http://www.northbaybusinessjournal.com/47041/feds-create-coombsville-fort-ross-seaview-appellations/</link>
		<comments>http://www.northbaybusinessjournal.com/47041/feds-create-coombsville-fort-ross-seaview-appellations/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 14:25:40 +0000</pubDate>
		<dc:creator>Jeff Quackenbush, Business Journal Staff Reporter</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Napa1]]></category>
		<category><![CDATA[Wine Industry]]></category>
		<category><![CDATA[American Viticultural Areas - AVAs]]></category>
		<category><![CDATA[Coombsville]]></category>
		<category><![CDATA[Coombsville AVA]]></category>
		<category><![CDATA[federal regulations]]></category>
		<category><![CDATA[Fort Ross-Seaview AVA]]></category>
		<category><![CDATA[Napa County]]></category>
		<category><![CDATA[Sonoma County]]></category>
		<category><![CDATA[TTB]]></category>
		<category><![CDATA[Wine Opinions]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47041</guid>
		<description><![CDATA[Two new tightly focused American Viticultural Areas budded in the North Coast last week. Effective Jan. 13, the U.S. Trade &#038; Tax Bureau established AVAs for Coombsville in southern Napa Valley and for Fort Ross-Seaview in western Sonoma County. ... In other U.S. Trade &#038; Tax Bureau news, the agency published a notice and requestion for comments in the Federal Register on Dec. 27 on proposed changes to the Certificate of Label Approval (COLA) form. ... WineForce Consulting Partners is a relatively new North Coast wine marketing advisory. ... St. Helena-based Wine Opinions (www.wineopinions.com) will be offering omnibus surveys of its wine trade and consumer panels, starting in February.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47041/feds-create-coombsville-fort-ross-seaview-appellations/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Year&#8217;s resolutions require more than words</title>
		<link>http://www.northbaybusinessjournal.com/46999/new-years-resolutions-require-more-than-words/</link>
		<comments>http://www.northbaybusinessjournal.com/46999/new-years-resolutions-require-more-than-words/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 13:30:47 +0000</pubDate>
		<dc:creator>Lary Kirchenbauer</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46999</guid>
		<description><![CDATA[For most of us, this is the time of the year when hope springs eternal. We’re revved up for an exciting new year, determined to change all of the things that didn’t work last year so we can pound the ball out of the park in 2012.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/46999/new-years-resolutions-require-more-than-words/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On airport, business makes voice heard</title>
		<link>http://www.northbaybusinessjournal.com/47129/on-critical-airport-project-business-makes-its-voice-heard/</link>
		<comments>http://www.northbaybusinessjournal.com/47129/on-critical-airport-project-business-makes-its-voice-heard/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 23:48:17 +0000</pubDate>
		<dc:creator>Brad Bollinger</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Marketing and Business Development]]></category>
		<category><![CDATA[Top News Stories]]></category>
		<category><![CDATA[Transportation]]></category>
		<category><![CDATA[Charles M. Schulz-Sonoma County Airport]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Leadership Council]]></category>
		<category><![CDATA[Santa Rosa Chamber of Commerce]]></category>
		<category><![CDATA[Sonoma County]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=47129</guid>
		<description><![CDATA[Call it a tipping point or an epiphany, but business has found its voice on the critical public policy issues of the day.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/47129/on-critical-airport-project-business-makes-its-voice-heard/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting comfortable with making large gifts</title>
		<link>http://www.northbaybusinessjournal.com/46422/getting-comfortable-with-making-large-gifts/</link>
		<comments>http://www.northbaybusinessjournal.com/46422/getting-comfortable-with-making-large-gifts/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 14:30:29 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[death tax - estate tax]]></category>
		<category><![CDATA[Estate and Tax Planning 1-9-2012]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[Farella Braun & Martel]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46422</guid>
		<description><![CDATA[We are currently in a unique tax environment allowing for $5 million of lifetime gifts (per individual, $10 million per married couple) to be made tax-free. If no action is taken by the government, the gift tax exemption will return to $1 million beginning Jan. 1, 2013.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Business acquisition financing: What lenders want</title>
		<link>http://www.northbaybusinessjournal.com/46430/business-acquisition-financing-what-lenders-want/</link>
		<comments>http://www.northbaybusinessjournal.com/46430/business-acquisition-financing-what-lenders-want/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 14:30:04 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Banking and Finance]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[business acquisition financing]]></category>
		<category><![CDATA[Estate and Tax Planning 1-9-2012]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 1-9-2012]]></category>
		<category><![CDATA[Tracy Sheppard]]></category>
		<category><![CDATA[Wells Fargo Bank]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46430</guid>
		<description><![CDATA[n 10 years of selling private businesses, financial leverage has consistently been one of the key success factors in expanding the pool of buyers and closing deals. Fortunately for business owners, the SBA loan guaranty program is an excellent funding source for deals up to $5 million. And, lenders are lending now. ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>2011 was better and 2012 can be better still</title>
		<link>http://www.northbaybusinessjournal.com/46408/2011-was-better-and-2012-can-be-better-still/</link>
		<comments>http://www.northbaybusinessjournal.com/46408/2011-was-better-and-2012-can-be-better-still/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:00:11 +0000</pubDate>
		<dc:creator>Brad Bollinger</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Top News Stories]]></category>
		<category><![CDATA[BEST]]></category>
		<category><![CDATA[Destination Council]]></category>
		<category><![CDATA[George Lucas]]></category>
		<category><![CDATA[Grady Ranch]]></category>
		<category><![CDATA[Green Music Center]]></category>
		<category><![CDATA[Marin Economic Forum]]></category>
		<category><![CDATA[North Bay Business Journal 1-2-2012]]></category>
		<category><![CDATA[Skywalker Properties]]></category>
		<category><![CDATA[Sonoma State University]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46408</guid>
		<description><![CDATA[As the North Bay tiptoes into 2012, it should take a moment to pat itself on the back just a bit. In 2011, the region's economy fared better than much of the state. The three North Bay counties of Marin, Napa and Sonoma have three of the 10 lowest unemployment rates in California, Nos. 1, 6 and 8. While statewide unemployment declined by a little over 1 percentage point, rates in November were down from 1.4 to nearly 2 percent in the North Bay.]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/46408/2011-was-better-and-2012-can-be-better-still/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Why 2012 may be the best year to exit your business</title>
		<link>http://www.northbaybusinessjournal.com/46338/46338/</link>
		<comments>http://www.northbaybusinessjournal.com/46338/46338/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 14:37:44 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Al Statz]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[Exit Strategies Group]]></category>
		<category><![CDATA[Qualified Dividend Tax Rate]]></category>
		<category><![CDATA[Section 179 Deductions]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46338</guid>
		<description><![CDATA[Historically, business transactions escalate when taxes are expected to change, as sellers and buyers try to capitalize on favorable rates. It is safe to assume that the U.S. will soon have to raise taxes on businesses and individuals, so retirement-age business owners looking to maximize value should look closely at selling in 2012.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>City experiment with same-day TI permitting makes perfect sense</title>
		<link>http://www.northbaybusinessjournal.com/46400/city-experiment-with-same-day-ti-permitting-makes-perfect-sense/</link>
		<comments>http://www.northbaybusinessjournal.com/46400/city-experiment-with-same-day-ti-permitting-makes-perfect-sense/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 14:27:32 +0000</pubDate>
		<dc:creator>Business Journal Editorial</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[building permits]]></category>
		<category><![CDATA[City of Santa Rosa]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 1-2-2012]]></category>
		<category><![CDATA[Santa Rosa]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46400</guid>
		<description><![CDATA[At the Business Journal&#8217;s Impact Sonoma conference last October, Santa Rosa Vice Mayor and supervisorial candidate John Sawyer said the city&#8217;s is gauging progress on reforming permitting processes by the declining number of applicants at the counter who exclaim in frustration&#8221;You have got to be kidding?&#8221; Mr. Sawyer ran through a litany of overly picky [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Banking and finance: Circle Bank to educate Keiretsu-funded startups; 30% solar grant to end</title>
		<link>http://www.northbaybusinessjournal.com/45660/banking-and-finance-circle-bank-to-educate-keiretsu-funded-startups-30-solar-grant-to-end/</link>
		<comments>http://www.northbaybusinessjournal.com/45660/banking-and-finance-circle-bank-to-educate-keiretsu-funded-startups-30-solar-grant-to-end/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 14:45:37 +0000</pubDate>
		<dc:creator>Eric Gneckow, Business Journal Staff Reporter</dc:creator>
				<category><![CDATA[Banking and Finance]]></category>
		<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Adam Capital]]></category>
		<category><![CDATA[Circle Bank]]></category>
		<category><![CDATA[Community First Credit Union]]></category>
		<category><![CDATA[Images in Motion]]></category>
		<category><![CDATA[Keiretsu Forum]]></category>
		<category><![CDATA[Kim Kaselionis]]></category>
		<category><![CDATA[Marin County]]></category>
		<category><![CDATA[North Bay Business Journal 12-19-2011]]></category>
		<category><![CDATA[Novato]]></category>
		<category><![CDATA[Pacheco Plaza]]></category>
		<category><![CDATA[retail construction]]></category>
		<category><![CDATA[Sonoma]]></category>
		<category><![CDATA[Sonoma County]]></category>
		<category><![CDATA[U.S. Small Business Administration - SBA]]></category>
		<category><![CDATA[Westamerica Bank]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45660</guid>
		<description><![CDATA[Novato-based Circle Bank has partnered with Keiretsu Forum, said to be the world's largest angel investor network, to provide financing advice to startup and early-stage companies in the North Bay and San Francisco. ... Adam Capital, a Sonoma-based lender specializing in financing small-scale solar projects, is urging solar companies to act before the window closes on a 30 percent federal grant on solar projects at the end of this year. ... Westamerica bank is making preparations to move its branch in Ignacio near its current location in the Pacheco Plaza shopping center early next year, said Robert Thorson, the bank's chief financial officer. ... Community First Credit Union signed up the greater number of new members in November than in any month in its 50-year history, beating a record set in October. ... The U.S. Small Business Administration is hosting a free web seminar on Dec. 15 to help small business owners prepare for the end of the 2011 tax year. ... Images in Motion, a Sonoma-based studio specializing in puppets for television, is filming a series of commercials for Hawaiian Tel Federal Credit Union to "explain the benefits of credit union services to customers on the Big Island."]]></description>
		<wfw:commentRss>http://www.northbaybusinessjournal.com/45660/banking-and-finance-circle-bank-to-educate-keiretsu-funded-startups-30-solar-grant-to-end/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Ask Jen: Pros and cons of the independent contractor</title>
		<link>http://www.northbaybusinessjournal.com/45779/pros-and-cons-of-the-independent-contractor/</link>
		<comments>http://www.northbaybusinessjournal.com/45779/pros-and-cons-of-the-independent-contractor/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 22:38:51 +0000</pubDate>
		<dc:creator>Brad Bollinger</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Ask Jen]]></category>
		<category><![CDATA[independent contractors]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[recruitment]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45779</guid>
		<description><![CDATA[We are a small company and have been searching for the past year for a specialized engineer to round out our development team with no success. We are considering using an independent contractor to fill the gap until we find the perfect candidate. What are the pros and cons of going this route?]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What this season is really all about</title>
		<link>http://www.northbaybusinessjournal.com/46004/what-this-season-is-really-all-about/</link>
		<comments>http://www.northbaybusinessjournal.com/46004/what-this-season-is-really-all-about/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 22:36:31 +0000</pubDate>
		<dc:creator>Brad Bollinger</dc:creator>
				<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Position]]></category>
		<category><![CDATA[Top News Stories]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=46004</guid>
		<description><![CDATA[To tell the truth, I really just wanted to cry. That was my reaction as I scanned the dining room at the Assisted Living facility into which my 93-year-old mother just moved. Not because it isn't a terrific facility. It’s one of the nicest I have ever seen, visited or heard about, with a wonderful and genuinely caring staff. No, it’s not that at all. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Grape Market Insights: Bulk cabernet inventory reveals naked truth of shortages</title>
		<link>http://www.northbaybusinessjournal.com/45515/grape-market-insights-skinny-dipping-in-the-cabernet/</link>
		<comments>http://www.northbaybusinessjournal.com/45515/grape-market-insights-skinny-dipping-in-the-cabernet/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 14:20:14 +0000</pubDate>
		<dc:creator>Brian Clements</dc:creator>
				<category><![CDATA[Agriculture]]></category>
		<category><![CDATA[Columnists]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Napa Report]]></category>
		<category><![CDATA[Napa2]]></category>
		<category><![CDATA[North Bay News]]></category>
		<category><![CDATA[Sonoma Report]]></category>
		<category><![CDATA[Wine Industry]]></category>
		<category><![CDATA[Brian Clements]]></category>
		<category><![CDATA[Grape Market Insights]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 12-12-2011]]></category>
		<category><![CDATA[Wine Industry Business Journal 12-12-2011]]></category>
		<category><![CDATA[winegrape market]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45515</guid>
		<description><![CDATA[Commodity traders watch feed prices and count pork bellies. As for me, I watch what is hanging on grape vines (not much right now) and I study our proprietary data, especially bulk-wine inventories. Those two data points, plus a good bottle of Sonoma County cabernet sauvignon, can reveal the future. Let’s talk 2012, and let’s talk North Coast cab. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Managing workplace stress during the holiday season</title>
		<link>http://www.northbaybusinessjournal.com/45507/managing-workplace-stress-during-the-holiday-season/</link>
		<comments>http://www.northbaybusinessjournal.com/45507/managing-workplace-stress-during-the-holiday-season/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 13:30:53 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Insperity]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 12-12-2011]]></category>
		<category><![CDATA[stress management]]></category>
		<category><![CDATA[worksite wellness]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45507</guid>
		<description><![CDATA[The “most wonderful time of the year” can also be one of the most stressful times of the year for U.S. workers. Year-end deadlines combined with holiday obligations – both work and personal commitments – can add up to increased stress levels for employees, resulting in absenteeism, lost productivity and other physical and emotional issues.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>The health crisis that is largely silent: Dental disease</title>
		<link>http://www.northbaybusinessjournal.com/45504/dental-disease-the-health-crisis-that-is-largely-silent/</link>
		<comments>http://www.northbaybusinessjournal.com/45504/dental-disease-the-health-crisis-that-is-largely-silent/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 13:30:29 +0000</pubDate>
		<dc:creator>Business Journal Guest Submisssion</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Guest Columnists]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[dental health]]></category>
		<category><![CDATA[Kaiser Permantente]]></category>
		<category><![CDATA[Kirk Pappas]]></category>
		<category><![CDATA[North Bay]]></category>
		<category><![CDATA[North Bay Business Journal 12-12-2011]]></category>
		<category><![CDATA[Pam Chanter]]></category>
		<category><![CDATA[Sonoma County Oral Health Taskforce]]></category>
		<category><![CDATA[St. Joseph Health System]]></category>
		<category><![CDATA[Vantreo Insurance Brokerage]]></category>

		<guid isPermaLink="false">http://www.northbaybusinessjournal.com/?p=45504</guid>
		<description><![CDATA[an you imagine going through high school with dentures?  Sabrina is a 16-year-old sophomore at a Santa Rosa high school. Sabrina is a good student, with a B+ average, but she has already missed several days of class this school year because of severe toothaches she began to experience over the summer.  Sabrina’s family has no dental insurance, and she hadn’t had her teeth examined or cleaned professionally in more than two years. ]]></description>
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