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	<title>Personal Finance Newswire™ &#187; St. Cloud, MN</title>
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		<title>80% of Marketing Budgets Are Wasted, Says 80/20 Marketing Expert Kevin Donlin</title>
		<link>http://www.personalfinancenewswire.com/80-of-marketing-budgets-are-wasted-says-8020-marketing-expert-kevin-donlin/36887</link>
		<comments>http://www.personalfinancenewswire.com/80-of-marketing-budgets-are-wasted-says-8020-marketing-expert-kevin-donlin/36887#comments</comments>
		<pubDate>Mon, 02 Apr 2012 13:00:09 +0000</pubDate>
		<dc:creator>Client Cloning Systems</dc:creator>
				<category><![CDATA[Advertising & Marketing]]></category>
		<category><![CDATA[a_ereleases]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[80/20 marketing]]></category>
		<category><![CDATA[Client Cloning Systems]]></category>
		<category><![CDATA[Kevin Donlin]]></category>

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		<description><![CDATA[&#160; Can I use the 80/20 rule in business? If so, is there such a thing as 80/20 marketing? The answer to both questions is &#8220;Yes,&#8221; according to 80/20 marketing expert Kevin Donlin. &#8220;Most businesses waste most of their marketing budgets &#8211; and they don&#8217;t even know it. If 20% of your marketing produces 80% [...]]]></description>
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		<title>Stearns Bank National Association Announces Acquisition of Covenant Bank &amp; Trust</title>
		<link>http://www.personalfinancenewswire.com/stearns-bank-national-association-announces-acquisition-of-covenant-bank-trust/36677</link>
		<comments>http://www.personalfinancenewswire.com/stearns-bank-national-association-announces-acquisition-of-covenant-bank-trust/36677#comments</comments>
		<pubDate>Sun, 25 Mar 2012 16:49:09 +0000</pubDate>
		<dc:creator>Stearns Bank National Association</dc:creator>
				<category><![CDATA[a_ereleases]]></category>
		<category><![CDATA[Banking & Financial Services]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Stearns Bank National Association]]></category>
		<category><![CDATA[Tier One Leverage Capital]]></category>

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		<description><![CDATA[&#160; Stearns Bank National Association, based in St. Cloud, Minnesota, announced today, that effective immediately, it has acquired all of the deposits and substantially all of the assets of Covenant Bank &#38; Trust from the Federal Deposit Insurance Corporation (FDIC), as Receiver of Covenant Bank &#38; Trust. Covenant Bank &#38; Trust is based in Rock [...]]]></description>
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		<title>Minnesota HCG Diet Plan Helps Obese Lower B.P.</title>
		<link>http://www.personalfinancenewswire.com/minnesota-hcg-diet-plan-helps-obese-lower-b-p/22267</link>
		<comments>http://www.personalfinancenewswire.com/minnesota-hcg-diet-plan-helps-obese-lower-b-p/22267#comments</comments>
		<pubDate>Thu, 24 Mar 2011 04:00:00 +0000</pubDate>
		<dc:creator>Slim Spa Medical</dc:creator>
				<category><![CDATA[Cardiology]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Minnesota Diet]]></category>
		<category><![CDATA[Minnesota HCG]]></category>
		<category><![CDATA[Minnesota Weight Loss]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/minnesota-hcg-diet-plan-helps-obese-lower-b-p/22267</guid>
		<description><![CDATA[That brings the Minnesota weight loss population to 1,279,000 who are obese. Every 3-4 minutes someone dies of a stroke according to CDC (Center of Disease Control). So someone in America will have died as a result of a stroke about the time you finish reading this article. Can HCG weight loss prevent a stroke? [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Minnesota HCG Diet Can Save Your Life</title>
		<link>http://www.personalfinancenewswire.com/minnesota-hcg-diet-can-save-your-life/21608</link>
		<comments>http://www.personalfinancenewswire.com/minnesota-hcg-diet-can-save-your-life/21608#comments</comments>
		<pubDate>Fri, 11 Mar 2011 05:00:00 +0000</pubDate>
		<dc:creator>Slim Spa Medical</dc:creator>
				<category><![CDATA[Medical]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Minnesota Diet]]></category>
		<category><![CDATA[Minnesota HCG]]></category>
		<category><![CDATA[Minnesota Weight Loss]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/minnesota-hcg-diet-can-save-your-life/21608</guid>
		<description><![CDATA[The CDC (Center of Disease Control) has found Minnesotahas a 24.6% obesity rate. That brings the Minnesota weight loss population to 1,279,000 who suffer from obesity. Losing weight will improve one&#8217;s appearance. Everybody wants to look better. The HCG diet can help people lose weight quickly and safely. But few of us know that the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Minnesota HCG Diet Can Prevent Type 2 Diabetes</title>
		<link>http://www.personalfinancenewswire.com/minnesota-hcg-diet-can-prevent-type-2-diabetes/21148</link>
		<comments>http://www.personalfinancenewswire.com/minnesota-hcg-diet-can-prevent-type-2-diabetes/21148#comments</comments>
		<pubDate>Fri, 04 Mar 2011 05:00:00 +0000</pubDate>
		<dc:creator>Slim Spa Medical</dc:creator>
				<category><![CDATA[a_non_news]]></category>
		<category><![CDATA[Diabetes]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Minnesota Diet]]></category>
		<category><![CDATA[Minnesota HCG]]></category>
		<category><![CDATA[Minnesota Weight Loss]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/minnesota-hcg-diet-can-prevent-type-2-diabetes/21148</guid>
		<description><![CDATA[Minnesotaranks #49 with the highest rate of people with diabetes; 5% of state population has diabetes. Minnesotaalso ranks #29 worst in the nation in the number of diabetes deaths. The good news is type 2 diabetes is preventable with Minnesotaweight loss. The HCG diet helps people lose weight to help avoid Type 2 Diabetes. What [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>K. Hovnanian Homes Creates New Excitement in Lakeville with Donnelly Farms</title>
		<link>http://www.personalfinancenewswire.com/hovnanian-homes-creates-excitement-lakeville-donnelly-farms/11686</link>
		<comments>http://www.personalfinancenewswire.com/hovnanian-homes-creates-excitement-lakeville-donnelly-farms/11686#comments</comments>
		<pubDate>Mon, 16 Aug 2010 04:00:00 +0000</pubDate>
		<dc:creator>K Hovnanian Homes </dc:creator>
				<category><![CDATA[Banking & Financial Services]]></category>
		<category><![CDATA[Building/Construction]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Home Furnishings & Interiors]]></category>
		<category><![CDATA[Men's Interest]]></category>
		<category><![CDATA[Minneapolis-St. Paul, MN-WI]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Rochester, MN]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Women's Interest]]></category>
		<category><![CDATA[Dakota County]]></category>
		<category><![CDATA[Donnelly Farms]]></category>
		<category><![CDATA[floor plans]]></category>
		<category><![CDATA[Home Designs]]></category>
		<category><![CDATA[HOV]]></category>
		<category><![CDATA[K. Hovnanian]]></category>
		<category><![CDATA[khov]]></category>
		<category><![CDATA[Lakeville]]></category>
		<category><![CDATA[master planned community]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[MN]]></category>
		<category><![CDATA[new construction]]></category>
		<category><![CDATA[new home community]]></category>
		<category><![CDATA[new home community in Minneapolis area]]></category>
		<category><![CDATA[New Home for sale]]></category>
		<category><![CDATA[New Homes Minnesota]]></category>
		<category><![CDATA[New house for sale]]></category>
		<category><![CDATA[new house in Minneapolis area]]></category>
		<category><![CDATA[New Houses Minnesota]]></category>
		<category><![CDATA[single family home in Minnesota]]></category>
		<category><![CDATA[single family homes]]></category>
		<category><![CDATA[single family homes in Twin Cities]]></category>
		<category><![CDATA[single-family home in Minneapolis area]]></category>

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		<description><![CDATA[K. Hovnanian Homes is moving one of the Twin Cities&#8217; most desirable areas higher on the wanted list by building 73 elegant single-family homes at K. Hovnanian&#8217;s Donnelly Farms. K. Hovnanian said it has broken ground on new single-family homes ranging in size from 1,993 square feet to 2,903 square feet, and offering three or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IGH Solutions Receives President’s Award in Statewide Print Competition</title>
		<link>http://www.personalfinancenewswire.com/igh-solutions-receives-presidents-award-statewide-print-competition/7496</link>
		<comments>http://www.personalfinancenewswire.com/igh-solutions-receives-presidents-award-statewide-print-competition/7496#comments</comments>
		<pubDate>Tue, 30 Mar 2010 13:00:00 +0000</pubDate>
		<dc:creator>IGH Solutions</dc:creator>
				<category><![CDATA[Advertising & Marketing]]></category>
		<category><![CDATA[Minneapolis-St. Paul, MN-WI]]></category>
		<category><![CDATA[Rochester, MN]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[3d poster]]></category>
		<category><![CDATA[alice in wonderland]]></category>
		<category><![CDATA[best printers]]></category>
		<category><![CDATA[certificate of merit]]></category>
		<category><![CDATA[excellence awards]]></category>
		<category><![CDATA[graphic arts association]]></category>
		<category><![CDATA[graphic arts firms]]></category>
		<category><![CDATA[merit awards]]></category>
		<category><![CDATA[premier organization]]></category>
		<category><![CDATA[print communications]]></category>
		<category><![CDATA[printing competition]]></category>
		<category><![CDATA[printing industry]]></category>
		<category><![CDATA[promotion campaigns]]></category>
		<category><![CDATA[travel tags]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/igh-solutions-receives-presidents-award-in-statewide-print-competition/7496</guid>
		<description><![CDATA[IGH Solutions, located in Inver Grove Heights, MN, received several honors for outstanding achievement in the annual Star of Excellence Awards, a statewide printing competition hosted by the Printing Industry of Minnesota, Inc (PIM), the largest graphic arts association in the world. The Star of Excellence Awards recognizes companies who produce the best in print [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>EnduraData Announces the Release of Version 3 of Its Cross-Platform Wide Area Data Distribution Software</title>
		<link>http://www.personalfinancenewswire.com/enduradata-announces-release-version-3-crossplatform-wide-area-data-distribution-software/6361</link>
		<comments>http://www.personalfinancenewswire.com/enduradata-announces-release-version-3-crossplatform-wide-area-data-distribution-software/6361#comments</comments>
		<pubDate>Mon, 01 Feb 2010 15:00:00 +0000</pubDate>
		<dc:creator>EnduraData</dc:creator>
				<category><![CDATA[Duluth, MN-WI]]></category>
		<category><![CDATA[Minneapolis-St. Paul, MN-WI]]></category>
		<category><![CDATA[Public Sector/Government]]></category>
		<category><![CDATA[Rochester, MN]]></category>
		<category><![CDATA[Software]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[backup purposes]]></category>
		<category><![CDATA[cost effective solution]]></category>
		<category><![CDATA[cross platform]]></category>
		<category><![CDATA[data distribution]]></category>
		<category><![CDATA[data replication]]></category>
		<category><![CDATA[distribution software]]></category>
		<category><![CDATA[eden prairie minn]]></category>
		<category><![CDATA[hardware platforms]]></category>
		<category><![CDATA[linux windows mac]]></category>
		<category><![CDATA[server workstation]]></category>
		<category><![CDATA[software architect]]></category>
		<category><![CDATA[unix flavors]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/enduradata-announces-the-release-of-version-3-of-its-crossplatform-wide-area-data-distribution-software/6361</guid>
		<description><![CDATA[The new release includes support for cross-platform data distribution (Windows, Linux, Mac, Open Solaris, etc). EnduraData Wide Area Data Distribution Suite (EDWADDS) allows customers to replicate and distribute content from one to many sites and from many sites to one or more additional remote sites. EDWADDS data replication and distribution allows customers to have copies [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Optical Rain Gauge Kicks the (Tipping) Bucket</title>
		<link>http://www.personalfinancenewswire.com/optical-rain-gauge-kicks-tipping-bucket/6059</link>
		<comments>http://www.personalfinancenewswire.com/optical-rain-gauge-kicks-tipping-bucket/6059#comments</comments>
		<pubDate>Tue, 12 Jan 2010 14:00:00 +0000</pubDate>
		<dc:creator>Opto-Electronic Design, Inc.</dc:creator>
				<category><![CDATA[Duluth, MN-WI]]></category>
		<category><![CDATA[Electronics/Engineering]]></category>
		<category><![CDATA[Farming & Agriculture]]></category>
		<category><![CDATA[Minneapolis-St. Paul, MN-WI]]></category>
		<category><![CDATA[Rochester, MN]]></category>
		<category><![CDATA[Science & Research]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[harsh environment]]></category>
		<category><![CDATA[infrared light]]></category>
		<category><![CDATA[infrared sensor]]></category>
		<category><![CDATA[irrigation control]]></category>
		<category><![CDATA[new rain]]></category>
		<category><![CDATA[new sensor]]></category>
		<category><![CDATA[optical technology]]></category>
		<category><![CDATA[rain gage]]></category>
		<category><![CDATA[rain gauge]]></category>
		<category><![CDATA[rain sensor]]></category>
		<category><![CDATA[rain sensors]]></category>
		<category><![CDATA[rain tracker]]></category>
		<category><![CDATA[sensing technologies]]></category>
		<category><![CDATA[sensing technology]]></category>
		<category><![CDATA[weather reporters]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/new-optical-rain-gauge-kicks-the-tipping-bucket/6059</guid>
		<description><![CDATA[A new optical sensing technology appears poised to change the way rainfall has been measured for centuries. Opto-Electronic Design, Inc. of Eden Prairie, MN has developed a optical infrared sensor that measures rainfall, the Rain Tracker RG-10 Rain Gage. The new rain sensor is about the size and shape of a tennis ball, and uses [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Expert Conducts Research in Bars and Fitness Clubs</title>
		<link>http://www.personalfinancenewswire.com/expert-conducts-research-bars-fitness-clubs/5935</link>
		<comments>http://www.personalfinancenewswire.com/expert-conducts-research-bars-fitness-clubs/5935#comments</comments>
		<pubDate>Mon, 04 Jan 2010 14:00:00 +0000</pubDate>
		<dc:creator>iUniverse</dc:creator>
				<category><![CDATA[Books]]></category>
		<category><![CDATA[HR & Careers]]></category>
		<category><![CDATA[Minneapolis-St. Paul, MN-WI]]></category>
		<category><![CDATA[Publishing/Printing]]></category>
		<category><![CDATA[Rochester, MN]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[attitude]]></category>
		<category><![CDATA[bad attitudes]]></category>
		<category><![CDATA[candid advice]]></category>
		<category><![CDATA[common sense]]></category>
		<category><![CDATA[debut book]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[fortune 500 companies]]></category>
		<category><![CDATA[leadership guide]]></category>
		<category><![CDATA[looking in the mirror]]></category>
		<category><![CDATA[management style]]></category>
		<category><![CDATA[motivating employees]]></category>
		<category><![CDATA[productivity]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/expert-conducts-research-in-bars-and-fitness-clubs/5935</guid>
		<description><![CDATA[John Graci&#8217;s debut book, &#8220;The Buck Stops With You!&#8221; exposes today&#8217;s leaders who are quick to blame employees for having bad attitudes without first looking in the mirror and asking what they did to cause the situation. In this book, Graci portrays bosses who are practicing management without a license. Graci uses a tell-it-like-it-is style, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Online Dating Site Caters to Singles Over Forty</title>
		<link>http://www.personalfinancenewswire.com/free-online-dating-site-caters-singles-forty/3759</link>
		<comments>http://www.personalfinancenewswire.com/free-online-dating-site-caters-singles-forty/3759#comments</comments>
		<pubDate>Thu, 13 Aug 2009 13:00:00 +0000</pubDate>
		<dc:creator>Midlife Dating Network</dc:creator>
				<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Seniors]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[dating network]]></category>
		<category><![CDATA[dating web site]]></category>
		<category><![CDATA[free memberships]]></category>
		<category><![CDATA[gender age]]></category>
		<category><![CDATA[geographic location]]></category>
		<category><![CDATA[height weight]]></category>
		<category><![CDATA[inquiry form]]></category>
		<category><![CDATA[midlife]]></category>
		<category><![CDATA[network members]]></category>
		<category><![CDATA[online dating sites]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/free-online-dating-site-caters-to-singles-over-forty/3759</guid>
		<description><![CDATA[Global Commerce &#38; Communication Inc. has launched the Midlife Dating Network (http://www.midlifedating.org), a new dating Web site designed especially for singles in their 40s and beyond. &#8220;We created this Web site when we saw that there were no online dating sites for midlife singles that were straightforward, easy to use as well as free or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Descendants of Depression-Era Rural Classmates Finally Meet</title>
		<link>http://www.personalfinancenewswire.com/descendants-depressionera-rural-classmates-finally-meet/2909</link>
		<comments>http://www.personalfinancenewswire.com/descendants-depressionera-rural-classmates-finally-meet/2909#comments</comments>
		<pubDate>Mon, 15 Jun 2009 13:00:00 +0000</pubDate>
		<dc:creator>DearDaddy.com</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Fargo, ND-MN]]></category>
		<category><![CDATA[Grand Rapids-Muskegon-Holland, MI]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[St. Cloud, MN]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Depression]]></category>
		<category><![CDATA[family farm]]></category>
		<category><![CDATA[great depression]]></category>
		<category><![CDATA[Historical Society]]></category>
		<category><![CDATA[Hubbard County]]></category>
		<category><![CDATA[memoirs]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[Park Rapids]]></category>
		<category><![CDATA[rural]]></category>
		<category><![CDATA[schoolhouse]]></category>

		<guid isPermaLink="false">http://www.seopressreleases.com/descendants-of-depression-era-rural-classmates-finally-meet/2909</guid>
		<description><![CDATA[The third week in June, relatives, descendants, and neighbors of the original 15 classmates will finally meet in person. Ruth Linsley Forman&#8217;s son and daughter, Mark Forman and Lucy Jeanne, now of Deer Park, Washington, will be in Park Rapids, culminating in a pie and ice cream social at the Hubbard County Historical Society on [...]]]></description>
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