text:
I second gSyncit. Tried several products after Google killed off their sync app, this one worked best for us. Also found gSyncit tech support excellent when I had an early on problem.
Between my...
Type: Posts; User: Glitch; Keyword(s):
I second gSyncit. Tried several products after Google killed off their sync app, this one worked best for us. Also found gSyncit tech support excellent when I had an early on problem.
Between my...
@ruirib I don't think Leon1 is looking to see one message per addressee, he is looking for an entry/copy in the Sent Box that shows the timestamp of the "batch" sent.
In 2007, (pre-ribbon I...
Did the problem start before or after these updates? Why did you update all? Were there other problems? If problems started after, you might want to try a "rollback".
This discussion brings me back to the 1980's when we debated clones vrs "real" PC's, Token ring vrs Ethernet, Microsoft pairing with IBM on OS-2, microchannel architecture, and "Nobody was ever fired...
Great idea! That's going to be the next item I add to my toolbox.
For several days IE 10 (on Win 7) had been crashing with the following (partial) in Event Manager:
Faulting module name: cumadis.dll, version: 0.0.0.0, time stamp: 0x5361a976
Faulting module...
Ran across this in another forum:
"By chance, I found the problem... When I set "Home Page" as "blank", in fact I am saying that firefox should open the page www.blank.com, which rediretcs to...
The Fix-it tool had no effect on the add-on I use. These include RoboForm password manager, various Google add-ins, E-Web printing, and some more obscure items. It also left the Microsoft...
Same problem recently developed on my wife's laptop & msnbc.com (her home page). IE10 Win7. Tried most of the above --- no joy.
FINALLY FIXED by running the "Fixit Tool" at:
Also using Optonline (OOL), and in addition to checking the "authentication" box as in the post above, I had to change the outgoing port to 587 to make it work off the OOL service.
The problem...
The rest of the [pre-installed] game icons are here.
Thanks anyway.
The location doesn't have the games that come w/ win (solitare, minesweep, etc) but does have the ones I added --- with one exception --- you guessed it --- the url shortcut.
Also, as I said,...
[WIN 7 (32) on Sony Vaio Laptop]
Accidentally added an icon (a url shortcut) to the GAMES window (the one that shows Solitare, Freecell, etc), probably by dragging.
Can't get rid of it.


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seems so slow that it got stuck
Hmm.. I'm not seeing anything that seems forgotten. We're actually pretty quick! How long ago did you upload your submission?
well, not that long ago. 18+ hours but i got used to faster evaluation. envato's reviewers spoiled me hehe
Hehe. Well try to allow at least 24 hours for full reviews. That seems to be the standard wait time.
i know, ... i just lack some patience!
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Town Square
Athenian School recognized for cutting energy use
Original post made on Dec 23, 2009
Read the full story here Web Link posted Tuesday, December 22, 2009, 5:13 PM
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a resident of Blackhawk
on Dec 23, 2009 at 7:06 am
Well done Athenian, and well done Bob!
a resident of Alamo
on Dec 29, 2009 at 9:47 am
A clarification: The numbers above show power usage barely reduced from 714,000 in 2006-07 to 701,000 in 2008-09. However, 51% of that power usage is no longer from the PG&E grid, and is sourced from the Solar "A" photovoltaic array on the hillside above the baseball field.
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Another bad idea from the air board
By Tim Hunt | 20 comments | 2,389 views
Bidding My Training Dept. Goodbye
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Success rate in Z4........
flybynyte(Z4 NE-SD)June 22, 2006
Just curious if anyone has had success growing any of the following grasses in Z4:
Miscanthus-morning light, huron sunrise
feather reed grass-eldorado
panicum virgatum-dallas blues, heavy metal
Growing a number of different grasses right now, just thought I might add to the list.
Thanks for your help!
Hope your summer is going well.


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Premature births: March of Dimes gives Minnesota a 'C,' North Dakota gets a 'D'
North Dakota has earned a "D" and Minnesota a "C" from a group aiming at lowering premature births across the country.
The states' grades are listed on the March of Dimes' first Premature Birth Report Card, released Wednesday.
The infant health advocacy group started the report card to track progress toward meeting a federal goal of lowering premature births by 2010.
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Gallery Folders
Cosplay Photography
Cosplay Photography 2
Casual or Fasion Shoots
Hall of fame
Hall of fame 2
Misc Things
Concrete Fox
Concrete Fox -Chapter Two- A warning on the winds.Kayle awoke early the next morning, his ribs still sore from the previous day. Quickly getting ready and eating breakfast, he began to think about Laika, deciding that he was definitely going to be more bold and come up with some sort of interesting anecdote and not stand silently blending in with the scenery. Kayle found Milen near his tent and gave him a friendly nod. Milen never seemed to sleep at night, seemingly preferring to zone out occasionally and sleep during the day whenever the mood took him. Kayle followed Milen through the crowd, stopping to chat with other ancient looking Lemur spirits about events of many many years previous. Kayle didn't mind really, not being particularly social he could count few people here as friends. Milen was technically his only real friend and hearing Milens old tales was actually more entertaining then in sounds. Milen was on his third retelling of his time in the Tiger demon war in the plant kingdom when he was interrConcrete Fox -Chapter Two- A warning on the winds. by everage
Concrete Fox -Chapter One- The Daydreaming MonkKayle had made this journey a grand total of seven times before, but every time found himself lost in the scenery. He was deep in the mountains and past every hill lay a new world, each more beautiful than the last. Currently Kayle's gaze lay transfixed on a small forest of white trees, full with life and sparkling in the mid afternoon sun. Kayle is a Tillinver, a Lemur spirit and a rather irremarkable Tilinver at that. Kayle is small and skinny, even for his age, his short white hair was messy no matter what he did with it, barely hiding his puffy round Lemur ears. His clothes baggy and patched together, his lemur tail poking out through his sash belt that is wrapped around a few times more than most who would wear it.Concrete Fox -Chapter One- The Daydreaming Monk by everage
Concrete Fox -Prologue-Concrete FoxConcrete Fox -Prologue- by everage
Ibara Job Classes
Will there be more linneacosplay and arilainsanitycosplay in the near future
Hola ame estas fotos sobre todo la modelo hehe podrías decirme cómo se llama o si tiene algún canal o algo donde ver más fotitos :3
Yo hablo español y tampoco te podría ayudar porque no sé a qué modelo te refieres ya que hay muchas?
Pon un link con una foto de la modelo y te podríamos ayudar, aunque everage siempre pone en la descripción debajo de las fotos, el nombre de la modelo e inclusive pone un link de la modelo que sí tiene cuenta de Deviantart
i dont understand
I speak spanish like androgini
He´s asking what´s the name of the model and if she has a Deviantart account
The problem is that he forgot to mention what´s the costume the model is wearing
I wrote to him that if he wants the name of the model, he should put the link of the pic where the model is
But I also told him that you always put the name of the model below the photo and also you put the link of the models that have a Deviantart account
Hola ame estas fotos sobre todo la modelo hehe podrías decirme cómo se llama o si tiene algún canal o algo donde ver más fotitos :3
Great photos. I think its great to see the work you and the people you photograph really getting into it. I especially like seeing how most of the women go barefoot and what is even better is seeing how some of them get their feet dirty I would very much like to see more of that if possible. Keep up the great work Everage your gallery of photos never disappoints!
Fantastic work as a photographer!! Cheers.


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I was just wondering what the numbers are on that.
Say you have 100 people take it...was wondering how many/100 would pass. Are these numbers ever recorded centrally or just by whatever dept. is giving the test for hiring purposes...
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I was just wondering what the numbers are on that.
Say you have 100 people take it...was wondering how many/100 would pass. Are these numbers ever recorded centrally or just by whatever dept. is giving the test for hiring purposes...
I think it depends on what type of situation the test is given - my husband proctors the CPAT here, and there are very few failures - usually he is prety sure who will fail even before they start the test. This is usually in a Fire academy setting also - not just people off the street.
Thanks for the reply. This is kind of what I though about it but wasnt sure if anyone knew exactly
The CPAT is very easy and I would suspect anyone that fails it should look for a new career. I don't mean to be rude but the standard is very low and compared to other fitness evaluations, the CPAT evaluates the absolute minimum fitness level of a fire fighter candidate.
I don't know about it being 'easy' - there is preparation that should be done before the test - especially the stairs.....you also have to be able to pace yourself so you don't time out - that is what just happened to one candidate yesterday.....you need to be able to go fast enough to make time, but not too fast that you wear yourself out before the last event.....
I'll make it easy.
If you are worried, you won't make it.
If 10 minutes of easy easy work makes you scared, you're ****ed.
It should be easy since what the academy does is way tougher physically than the joke CPAT test. If you barely pass the CPAT, you'll most likely be too weak and deconditioned to survive an academy.
I'll give you an example: During my academy, we did what's called a work performance circuit for two rounds, twice a week. It's like the CPAT on steroids. You start out the first two times in PT clothes, then bunker pants, then full PPE sans scott pack, then fully dressed and on air the fourth or fifth week.
We start by going on air, hitting the keiser sled the whole way, not halfway. Then, we immediately kneel and receive a 2 1/2" high rise pack (25 lbs or so), and sprint up to the fifth floor and back down (that's what the 3 min treadmill station with 75# of weight is supposed to simulate). Then, 10 weighted pike pole thrusts each arm. Then a 24' ladder raise. Then pulling a charged 2 1/2 hose out 50 feet, crawling back to the last coupling, and then pulling the hose and nozzle back to you. Then equipment carry to and fro, then carrying a 24' ladder to and fro, then forcible entry with a 10 lb sledge x 10, and lastly a 160 lb dummy drag to and fro. Two rounds. Twice a week. We've had some recruits vomit into their facepieces, or be sent to OHC after a syncope/near syncope.
Still think the CPAT is tough? Pace yourself? The CPAT doesn't even come close to the physical demands of the job. If you can't jump off the stepmill and sprint with the (dry, not wet) hose, how could you ever handle carrying a high rise pack and officer's bag/tools up 20 flights of stairs or so? If you die out on the dummy drag, how are you going to drag a civillian or firefighter out of the building? It shouldn't take you twenty shots, or even ten to set off the buzzer on the forcible entry station. Good luck taking a door or breaking out of a room with an axe or halligan if conditions deteriorate. IF the short, U - shaped maze makes you nervous, you'll be permanently psychologically damaged when the real maze training starts in the academy when you're on air with a blacked out facepiece. Forget about if you get trapped in a collapse or get disoriented and cut off from your crew. You'll have a nervous breakdown and die right there where you're curled up in a fetal position. If the breach and pull smokes you, then...... oh, forget it. Also, in the real world the situations these stations simulate are done in full gear, not comfy, breathable PT clothes, sometimes on air depending.
The CPAT and the academy demands don't compare, let alone the real world.
As I said in my last post, the CPAT doesn't even come close to the academy work performance circuits or real life firefighting. If you fail a test that easy, then what does that say about your desire and determination in getting the job?
Myself even if I pasted the CPAT and I felt I wasn't truely ready for an acadmey which is likely right now mostly cause I still can run for ****. (just seem to not be able to get the breathing right.) I would likely pass on an academy so save myself from washing out and having to work 5 times harder to get another shot.
I noticed something that held true every time I was out of shape and started running to get back in shape. If you do distance running, for a couple of weeks, and then try to do sptints, you're done after four or five, tops. However, if you just do sprints, and can make it up to 15 or 20, you'll find that distance running will be a joke. Need proof? You were doing an hour on the stepmill at BW, but with only 40 lbs extra (for the future, you can hold a pair of 20's and exceed the CPAT weight by 5 lbs) you were gassed in four minutes. Do higher intensity intervals, such as sprints, and the breathing will take care of itself.
You need to still be fresh after the stepmill, or the rest of the CPAT will be challenging. I like box jumps, barbell thrusters, burpees, 96's - BW 24 squats, 24 alternating lunges, 24 jumping squats, and 24 alternating jumping lunges. For the stepmill, start with 80 lbs at level 7 or 8, when you gas drop the bells, when you gas again drop the vest, then do level 10-12 to failure. Steadily increase the time with each weight. When you can do 80 lbs for 8-10 minutes straight (it's realistic if you train for it) you'll come off the mill nice and fresh for the real test.
There's a good 28 day progression here, and also some good WOD's:
Add these to your sprints, and you'll be good to go:
Start with five rounds, progress to ten, hopefully with at least 30-50 lbs.
The things that fail people are coming off the stepmill with weak legs, and the dummy drag. Train the most for those two events and the rest will take care of itself.
It only came about AFTER he tried to ventilate a controlled burn before ever putting water on it, while I was in between the fire and the window. He performed a left hand search patter with hoseline in hand and when told to back out, continued on the left wall out..... When asked what a reverse lay was he gave an example of an accordion lay... He is now a volunteer in a town of less than 100 and that still scares me.
He passed the CPAT, he passed his test, could he have been an adequate firefighter? Hell no.
As I was headed into the U shape tunnel my proctor was reading the statements and said "alert us if you are scared of the dark".... I'm pretty sure he was having some fun with me but that would be sad if they actually wrote that into the test!
Having recently finished an academy and seeing the difference between the academy tasks and the cpat tasks I can see the huge difference. yes the CPAT has some tough things especially if you're smaller (stair climb and the dummy)... But dragging and pulling 50ft of 1 1/2 compared to 200 ft of 2 1/2 ... Or the U turn tunnel that they inform you how to pass through unhindered compared to smoked out tunnels with drop offs and tight spaces that you have no clue where they go....?
I can only imagine how hard it all is when you're stressed and possibly scared for your safety in a hot room... Can't wait to find out though =)
To the original poster I don't think anyone fails if they get into decent shape first and aren't a midget. I think most people fail for technical reasons like mishandling the ladder or going the wrong way... which the orientation session should keep you from doing.
Some people will never be able to raise a ladder or work the sled. I've seen guys who could be line backers that had one hell of a time passing something that was like a cpat. I've seen folks who you would never think they could pick up a nozzle, let alone drag the hose line blow throught it like nothing.
Some people can't do well with it and some can.
They use the CPAT to facilitate the hiring of "under-represented" segments of society that historically have had a hard time passing traditional physical agility tests. You might be able to figure out what segment that is.
A test that is ridiculously easy, set up as pass/fail (no extra points for being stronger or faster), serves only one purpose- it provides a larger, more diverse pool of applicants to hire from, including some that have no business ever being on the fire ground.
When watching some fail on the stepmill or dragging a dummy, I have to wonder, how easy did you think the firefighting job is, that you thought you could get through those stations? Is the test something you took on a whim, because the job sounds cool or something? If you can't drag a 160# dummy for a few feet, how are you going to drag a victim or another FF out of a structure on air? It's not like they made you do a 6:00 mile and 100 burpees before hitting the dummy, you know. Doing the mill in PT clothes and a vest is nothing like going 15 or 20 floors with a 2 1/2 high rise pack and tools. You do the dummy after crawling through a tunnel, which should allow you to catch your breath after swinging the sledge. Not being able to move the dummy means you lack the strength to do the job, by far. The hoseline advance is with a dry line, for crying out loud.
Take a step back and look at the CPAT vs real life. There's no comparison.


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Bafetimbi Gomis put a frustrating game behind him to earn Swansea City a 1-0 Premier League victory at Aston Villa on Saturday... Read more
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Garry Monk takes Swansea City to Aston Villa in the Premier League on Saturday ready to face a side rejuvenated by the arrival of Tim Sherwood... Read more
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Chinese Jade Bonsai
i brought this bonsai two months ago and the Gardner to me that its a 6 year old plant and very easy to maintain. asked me to water only once in two weeks. so i am following all the instructions given. i live in suburb of Philadelphia. initially i kept the plant outside for couple of hours in shady area. now the temperatures are raising high so keeping it inside the house only. but it is receiving plenty of sunlight.
now my issue is i observed the leaves are dropping. i lost 5 leaves so far...one leaf a day. is it normal??...i observe the plant everyday...rest all leaves are looking healthy..not wrinkled..is there anything i can do to prevent this. please see the pic and tell me..do my plant look healthy??...please help...thank u...
Looks like a classic case of nursery soil to me. I would get that tree out of the pot, remove the moss and any glued on rocks, etc. Place it in a well draining bonsai soil mix when you repot it back into that pot. It may be too moist.
Otherwise, that Jade looks pretty healthy to me. I am colorblind, so if someone notices discoloration that I do not...sorry.
thank you so much for the reply. i removed the moss and observed the soil. it looked like a very soft dust something that mixed with sand. i never did re-potting before. is there a particular brand of bonsai soil i should use?? now the temperature is about 95F..is this a good time to repot or should i wait for little cooler days??...
Your plant is Portulacaria afra. It has a lot of common names - mini-jade/dwarf jade/elephant food/elephant bush/ spekboom .... Late Jun - early Jul is the best time to repot. As suggested, a very fast draining, well-aerated soil is best. The soil I use:
Portulucarias can take serious heat. We have some along our fence line that are 7 foot tall and can weather 110 degree days with low humidity and no water without a problem.
I agree that a gritty mix would be a good idea. Don't be afraid to prune it. I prune long internode shoots on my potted ones quite frequently. When I am starting the training on them I prune them up and clip all the leaves off so that it looks like a twig. They bounce back quickly with smaller leaves and denser growth.
Nice one tapla.:)
i re-potted it as per the instructions and there are so many new leaves come up now. it is getting good indirect sunlight all day long. but somehow it still drops one or two leaves everyday. i really don't know what more i can do to stop this. please help...
It sounds like it's throwing off old leaves. I wouldn't worry about it too much since it's sprouting new growth. Just don't let the new growth get leggy and keep the new shoots pruned. I usually strip off the big old leaves anyway to encourage new compact growth.
Hi there...as my tree still dropping the leaves i thought i will keep outdoors for a while and surprisingly it worked...didn't drop a single leaf from past four weeks...growing nice and healthy...but two days ago i brought it inside as the temp are becoming low (around 55F in the night) and now i see one leaf on the ground. i keep it near to my patio window and it is getting full day indirect sunlight. do you think it needs more light?? what kind of a light i can use indoors and for how many hours. please advise..thank you...
Mmmm...I expect it will drop a few leaves while it re-adjusts to the indoor micro-climate. I have a couple of P.afa plants and multiple Jades. Though this is the first winter I will be going through with them, the advice I've gotten from the cactus & succulent board has been dead on so far.
Water + cold = rot, and a sad succulent plant owner. You should decrease water as the weather gets colder & give it a little time. As long as it's in a gritty mix, gets plenty of morning sunlight, & continues to put on new growth, I would say it's doing fine =)
Doing a GW search on p. afra & jade (as I believe the culture is very similar if not the same) will give you lots of insight on how to handle anything that may come up. Hanging out at the cactus & succulent board will help too.
This past summer, I put all of mine outside on my patio & they did really well for me. I'm in zone 7a & have all of mine back inside. It is said they are cool weather growers, so as long as the don't freeze or fry, all should be well =)
Good luck!
My elephant jade bonsai regularly drops all its leaves when I bring it in, they often dont regenerate regular leaves again until outside again. Its about 8 and doin fine.
I wouldnt worry much, just dont overwater it.
Its tough as nails, and the cuttings root with ease.
Can't really comment on having to bring them indoors over the winter living in SoCal
But there's one suggestion I'd like to make & I say this about all plants
Might just be one of those IMIO things
But I don't believe you should move plants
i.e. from indoors to outdoors back to indoors etc & so on
Plant acclimate to their surroundings & constantly moving them & changing their surroundings/environment can't be good for them
Like one day they get full sun & the next they get filtered indoor light & one day they get 16 hours of sun then 10 the next day & 13 the day after that
I feel that that stresses them out as you're not giving them time to settle in & acclimate or adapt to any one growing condition because your constantly changing
Just my 2 cents
it dropped all its leaves....and the tiny branches too....it looks alive but no growth...no new leaves coming up...i didnt water it from past four weeks....its getting indirect sun light..and i arranged for a plant light too...i really dont know what else i can do...can't understand what's really the problem is.....how can i save my tree...please help....
It looks far from happy but it doesn't look dead
So there's a good chance of it bounching back
Jade is a pretty tough plant
Not sure where you're at or the weather conditions there
But I would suggest moving it outdoors / Somewhere where it'll get a good anount of sun
If it's not freezing out
I would consider jade more of an outdoor than indoor plant
Don't really know of to many succulents that do good indoors long term
Best Of Luck
What did you use for soil when you repotted? Did you inspect carefully for spider mites? do you know how to do that? Have you been fertilizing? with what? Did you bare-root when you repotted and were the roots free of root mealybug?
You didn't water for FOUR WEEKS?!
No wonder it dropped all of its leaves. This isn't a Jade - not in the same Family, not in the
same Order even - and the culture is different. The leaves are more delicate and will drop readily
if the plant is allowed to go too dry. During the Winter indoors, I have a difficult time keeping my
Port's happy...but they do re-grow their dropped leaves once the sunlight increases.
I have always had Jad/ElephantFood in my garden but never considered it for Bonsai material. If this picture shows up you will see two different types. The one in the front with small leaves and grows more apical and has a red tone to the trunk.This plant is about 2 1/2 feet tall. The other in the back ground is very large probably about 4 1/2 feet tall with a large grey trunk about 4 inches in diameter. The leaves on this one are 1 to 2 inches long and thick. Because they are succulents and have such soft/wet tissue they break very easily. I think the larger one would have smaller leaves if it got more sun. We throw these away when ever they break pieces off or we trim it for size. I have seen them before used as Bonsai but never thought any one was serious about them. I mean would a Japanese trained Bonsai artist use a Jad plant? I've always been interested in Bonsai and just joined a club and will be taking some classes this January. If I took a Jad into the club would they laugh at me?
All you need do to see if anyone is serious about Portulacaria bonsai is use the words in bold to do a search, and look at the images. It is indeed a plant entirely suited to world class bonsai, whether the artist was trained in Japan or not. Crassula ovata, on the other hand, doesn't lend itself well to being a subject that makes believable bonsai. That said, I have a nonbonsai-growing friend that is happy to be lightened by a good bottle of wine or two in exchange for an annual pruning of her C ovatas and potulacarias, and I employ the same pruning principles on the Jade as I would on other trees. It's a very large specimen with a 6"+ trunk, and it looks quite believable as a very large bonsai, but lacks the grace and fine texture with which other trees can be endowed.
Once 'bonsai' is ingrained in the way you think, it will influence the way you prune anything, even if the subject is entirely inappropriate as bonsai material. It can't be helped, lest you simply maintain a hands-off policy and leave the plant to it's own devices.
Al is absolutely right! :-)
Iamdunn, in your pic you have Elephant's Bush (Port. afra) in the front, and a true Jade (Crassula ovata)
in the back. As Al wrote, the Port. afra is an excellent bonsai candidate; the Jade, not quite as much.


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Bryan Peña
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As Staffing Industry Analysts' Vice President, Contingent Workforce Strategies and Research, Peña is internationally recognized as the expert on contingent workforce management strategies and tactics. His primary function is to manage the unique needs of the CWS Council globally, helping these companies deploy cutting-edge strategies for managing their contingent labor and, as required, provide buy-side viewpoints to staffing firms. He is also responsible for drafting and executing the CWS Council research agenda with the ultimate goal of advancing thought leadership around the growing field of contingent work. An accomplished speaker and presenter, Peña's specific expertise comes from over a decade of strategic sourcing experience in Fortune 500 companies and includes services pricing and negotiation strategies, contract construction, risk management, and international MSP and VMS program delivery models.
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Looking for built-in frig with crushed ice / water dispenser
WeâÂÂre bumping out our kitchen and weâÂÂre in the appliance selection phase. We stuck at frig selection. We had planned for a 36â but we may be able to change our layout to accommodate a 42âÂÂ. Do many quality models offer crushed & cubed ice with the water dispenser? We have that in our current freestanding frig and we donâÂÂt want to give that convenience up. We were going to go with SZ BI-36U until we decided we wanted to keep this option.
I started researching additional built-ins this morning. I see that a 42â Thermador (model KBUDT42) has crushed ice but I canâÂÂt find any reviews. Do other brands offer crushed ice as well? If so, are any of these units quality products? If we canâÂÂt find a quality built-in with crushed ice, how could we achieve chilled water / crushed ice? I know we can add filtered water to the sink and we see some under counter ice units but that seems like overkill.
Any advice would be great. We didnâÂÂt realize something like this is what weâÂÂd be agonizing over!
Built in fridge + exterior ice and water=
It goes from gorgeous and understated and not about the appliances to having a honking ugly dispenser hole in the middle of it that makes it all about the appliance. Why spend the money in the first place? Get a regular fridge and be done with your selection.
The ice maker is the most delicate part of any fridge, and the through door units take up a lot of space and make the concerns that much worse. Not the best idea for a fridge you expect to last for more than twenty years. Combine that with the fact that people get built-ins in order to have them blend into the cabinetry, and you start to understand why there just isn't a lot of demand.
If you use the ice/water dispenser on daily basis, you'll probably want to keep it. If it's less often, you might consider using an ice crusher (small appliance) or a garage sale food processor for that part.
SubZero does have an ice dispenser on the 48" side-by-side, but as I said, it's the weakest link. The only thing on an SZ that most people find needs service over its lifetime is the ice maker, and the through door ones seem to need service sooner. (Just an observation on frequency--check with their repair service for first hand knowledge.)
Here's a search on AJMadison for custom panels and through door ice. I don't know which of these have crushed ice and water. Some of these aren't built-in models, but you could do a faux if one of the suits you.
I donâÂÂt think the photos were needed to make your point.
That aside, my original preference was a freestanding but our refrigerator will be on an appliance wall (no countertops) with the double oven and pantry along the main walkway between rooms. The site line and the extra inches that the frig sticks out compared to everything else is the reason weâÂÂre looking built-in. I agree that fully integrated does look great. We may still do that but we are also looking at how we use the kitchen, which is why we want to make sure we look at all our options before deciding what to trade off on.
You can make the sight lines work out if you can increase the depth of cabinetry on that wall a couple of inches (the body (not including handle) of cd is usually 26"). Then you can have any counter depth or built-in you want. The freestanding fridges with dispenser have better dispensers from what I hear, and even though people tend to replace the whole fridge when the ice system packs it in, you can get three of them for the price of one SZ, which gives you the same longevity per dollar, more or less.
Very good points to consider since, youâÂÂre right, we hope a built-in lasts 20 years. We probably shouldn't try it on a high-end unit. We use the in-door water and ice for nearly all meals which is why weâÂÂre re-visiting our earlier decisions. We do have the option of extending the cabinets to 26âÂÂ. The problem is we donâÂÂt have the extra width for the door swing of a freestanding in our current configuration. WeâÂÂre bound by a drain pipe and another hallway. We could free up some space on that wall by moving the microwave and other items, which is the only way a 42â or a 36â with a larger opening for the door swing would fit. ItâÂÂs something to consider.
Thanks for the good advice to consider
I'm writing to close the loop on this thread in case some future members grapple with the same decisions and find these posts. We are going with a Sub-Zero 48" with internal ice and water. As I wrote, we really hated losing crushed ice on the door but a freestanding model, given our kitchen layout, would not have worked well. Based with different trade-off options, we decided to go with the built-in.


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Thursday, October 28, 2010
Nellie Belle Evers with the family
Grandma is Nellie Belle Evers, she married Ben Evers after Elvis H. Brassfield died. Her two sons Clarence and Floyd Brassfield are standing next to her. A third son, Adrian, died a few years before this photo was taken. Jennie (Martinson) is in the front row at left. Clarence married Jennie in 1924. In the front row on the right is Thelma Sarah (Hunt), wife of Floyd with her son Elvis John Brassfield. Elvis was born in November 1920, so that dates this photo to 1922 or so.
Posted by RBrass189 at 5:37 AM
Labels: Clarence D. Brassfield, Elvis John Brassfield, Floyd Gipson Brassfield, Iowa, Photo, Thelma Sarah Hunt
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On the Edge
What's trending in your life, and in ours
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Poll: Summer vacation plans
Apparently, I was not in the minority when I took last week off. My social media feed is filled this morning with people mourning the end of vacation, and the fact they had to head back to work this morning. So, for today's poll, we ask about your summer vacation plans: [Read More]
Pay-what-you-weigh when flying? Yes, please
I'm no light-weight. Thanks to my lengthy frame I weigh on the higher end of the average American woman, but that doesn't keep me from fully supporting Samoa Air's proposal that the ticket price for fliers is based on their weight, combined with their luggage. This would, undoubtedly, encourage me to pack lighter (especially because, […] [Read More]
Virgin America's 'dating service' allows passengers to send a drink and a text to one another
When OTE reader Kate Contento shared this news on my Facebook wall last night I figured it had to be a joke, maybe something from The Onion. Essentially, Virgin America — an airline known for its customer service — has launched a program where you can send a drink and a text (through the screen […] [Read More]
ARA: Looking for suggestions on places to stay in southern Florida
A reader asks: I am looking for advice on places to stay in Southern Florida next winter. This is our 15th Anniversary trip and will include NO KIDS! We are looking for a slower pace and have been thinking about Sanibel Island. We have a timeshare so travelling through RCI is key. Have you been […] [Read More]
ARA: What is the best way to save on travel?
A reader asks: I wanted to ask your readers if they had any tips on searching for good deals on flights, hotels for vacations. Specifically, I am looking to go to Las Vegas next June for a professional conference. While I am there, I'd like to extend my stay on the strip and enjoy a […] [Read More]
Poll: What was spring break like for you?
For Sunday's Life 3.0 we're talking spring break. Take our polls: [Read More]
What would Kathie Lee Gifford think of the Carnival Cruise Line now?
When I hear Carnival Cruise Line I think of Kathie Lee Gifford. If you grew up in the 1980s or 1990s you remember her as the (too?) perky spokeswoman flitting about the ship singing about the plentiful, well-prepared and presented food; service unlike anything us non-celebrities experience on the mainland and excursions and shows travelers […] [Read More]
ARA: Looking for Niagara Falls hotel recommendations?
A reader asks: My husband and I have decided (last minute) to go to Niagara Falls March 29th & 30th for our one year anniversary. I found an awesome Groupon yesterday (for the Hilton Hotel and Suites) — unfortunately, 3/29 was a blackout date. But we decided that it would still be fun to go […] [Read More]
ARA: Is it OK to expect my friend to pay some of my expenses?
A reader asks: I am planning a trip to NYC with a good friend over a long weekend in May. I offered to use some of my hotel points to book a room so that we would not have to crash at my other friend's (not mutual) apartment. Would it be rude to expect my […] [Read More]
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I like to have a good time and im very outgoing.
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Citations: 06/12/2012
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Pipestone County:
April 24: Mark Michael Ference, Pipestone, disorderly conduct
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Small Dining Room- House Design
We are in the process of designing a home and are adapting a plan that we love, but I'm worried that we will regret the size of the dining room. It measures at 9 ft x 12 ft. It is open to a fairly spacious galley kitchen, but not open to any other spaces.
We are a family of 5, and we DO love to spend time around the dining room table. It's not rare to have 7 or 8 gathered around our table.
I want the space to be cozy (I love the old home feel of fairly separated rooms), but I don't want it to be claustrophobic. Anyone have experience with a smaller dining room like this?
If it is 12 feet wide, I'd say no worries, but if it is only nine feet wide, then it could be crowded if people want to hang out and relax after the meal-if they push the chairs back much, there won't be a lot of space to get around the pushed-back chairs. A very narrow table could help solve that, though. I have been searching for a 30" wide antique harvest table for years for just that reason (saw one once, but didn't buy it then-stupid me).
Mine is 11' 5" wide and I wouldn't go smaller. I have an octagonal table and it allows a comfortable space to walk behind the chairs.
Here is a photo of my 11.5 wide by 10.5 long dining room. We have just enough room. The table is 42 wide, and is flanked on either side by a small marble top table and a somewhat narrow buffet. I didn't have the leaf inserted when the photo was taken. So if you'll use the room regularly, you might want it wider, unless you don't have anything on the wall beside it, since yours opens up on one side. Mine does not open up except on the width to the living room, from where the photo was taken. Hope this helps someone, as I'm seeing this was posted a while back.
This post was edited by southernstitcher on Thu, Jul 25, 13 at 20:07
My diningroom is 10 ft. wide with cabinets built into recesses on one side beyond that. The rectangular dining table is 38" wide. We don't have difficulty walking around the table with everyone seated but am unclear if 6" less on each side would be tight. I would tape off a diningroom that size, put your table in the middle and see how things feel to you.
My breakfast room is 9' x 19', with one short end open to the kitchen/family room. We have a 42'' round table in there, and it feels too tight...not enough room for traffic.
A narrow rectangular table (32''-36'' wide, 6'-7' long) would work much much better. Then on the short end wall, add a 5'-6' long buffet (or something like that) with a painting above... it would look great.
Funny, I recently posted on a DRM like Ilovecookie's on another forum. 9' wide, very long, first home purchased by a kid specifically for this room that could seat his large extended family. Their family style was a table groaning with serving dishes full of food, so the tables (end to end and draped) had to be at least 42", likely 48" wide (it's been a couple decades).
It was too narrow to "walk around." The table was pushed more toward one wall so that old and large folk could walk up to chairs on the other side. On the "inside" wall everyone got in by sliding along the chairs. When someone needed to get out, everyone in the way slid out. A set of nice windows on the small far end, but that's all.
It may sound undesirable, but it worked so well that I was genuinely impressed and actually measured the room to note what could be done for the future. We're not family and didn't have to go, but were always glad to be invited there.
One of the biggest mistakes in new homes is a dining area that is too small. A dining area that will be realistically comfortable would be no less than 11, preferably twelve. It's no fun squeezing behind someone. Ours is 11 and I consider adequate, would much prefer 12 or 13.


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I'm 26 graduated UNT in 2012. I work as a jailer but I'm in the gym at least 4 days a week so that I can become a police officer. I enjoy movies and I love dogs. I was brought up to be a gentleman which from the look of things seems to be rare now, but I do my best to treat everyone with respect. Now with that being said I like to joke around and I can be sarcastic. I can also be pretty nerdy sometimes. I am looking for someone I can have a relationship with I'm not looking for the games and having a lot of flings. I work a lot of nights and weekends so I can't always get out to meet people so I joined up here.
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Bodum Bistro Electric Burr Grinder
Bodum Bistro Electric Burr Grinder
Weights & Dimensions
|Primary Material: Plastic
|Additional Materials: Stainless steel, glass
|Grinding Method: Burr
|Power Type: Electric
|Wattage: 160 Watts (W)
|Hopper Capacity: 8 Ounces
|Ground Bin Capacity: 8 Ounces
|Country of Manufacture: Imported
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"Hi, how much electricity does this item use?" asked by Claude
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Bodum Bistro Electric Burr Grinder
About the ManufacturerJørgen Bodum's core belief is that good design should be available to everyone. It was also the core belief of his father, Peter, who founded Bodum in Denmark in 1944. Products include coffee makers and teapots, mugs and glasses, kitchen and tableware, and spare parts.
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Grinder that does the job
Phil from Oak Hill, VA– Verified Buyer
This is the first burr grinder that I've owned, so my analysis may be somewhat uninformed, but I was quite pleased with the Bistro. Easy to assemble, easy to use and with a modern look. The matte rubber look isn't my favorite, as it stands apart from the sea of stainless appliances in my kitchen, but the results were what I had hoped for... a rather consistent grind.
Perfect for my needs
Melinda from Grand Junction, CO– Verified Buyer
I got tired of grinding my beans "in-store," (espresso grind) when the results was so inconsistent (same store, same machine, same tick mark for espresso). Nothing worse than watery espresso when the grind isn't right for the method.
Ramon from Bartlett, IL
I had purchased other units for $20-$40 on the store but never gave me consistency on the grind. They had a lot of variation which made it difficult to control the flavor.
Stylish and beautifully crafted coffee grinder
Joan from Stuart, FL– Verified Buyer
I chose this coffee grinder because of the wide variety of grinds, modern looks, and the Swiss workmanship.
Jon from Portland, OR– Verified Buyer
Great inexpensive conical burr grinder. Very fast, quiet, with a consistent grind for pour over & Aero Press. Very easy to clean, love the Glass collection Jar.
Quiet, consistent, no static
Aaron from Salmon, ID– Verified Buyer
While I don't have experience with the $200+ grinders out there, I can say that this is by far the quietest grinder I have ever heard. Compared to the other grinders I have used it also produces a much more consistent grind. The non-static glass grounds container might be my favorite feature. First of all the grounds come in through the top instead of the side, which eliminates mess at the grinder. Secondly anyone who has experienced a static charged plastic container that shoots grounds all over the kitchen will understand how obnoxious they can be. Not a problem with this container.
Dian from Meriden, CT– Verified Buyer
The unit is compact but holds a nice reservoir of beans so I'm able to store what I need for a couple of days at a time. It's quieter than my old grinder (another brand). I found it easy to use. Simple to store and it looks attractive. I only use drip or espresso grind and both were to my taste. I am very pleased with the product.
Works well but PLAN AHEAD if you are brewing for more than two people at a time!
Courtney from Portland, OR– Verified Buyer
I am so enjoying the lack of sediment now that I have a consistent coarse grind for my French press coffee. Works well and is an attractive appliance and the bottom glass canister works very well- no static electricity and no grounds flying out. NOTE: directions specify to only grind 20 seconds at a time, then wait 5 minutes to avoid heat buildup that may damage grinder. This will be VERY ANNOYING if you are making coffee for more than 2 people at a time and forget to grind your coffee in batches ahead of time. Perhaps all burr grinders in this price range (inexpensive) are limited this way- worth checking out.
Well made burr coffee grinder that is super easy to operate.
Richard from Campbell, CA– Verified Buyer
At around $100 this grinder is unbeatable value and a great step up from blade grinders that typically pulverize the beans into a fine dust that is unsuitable for drip and french press coffee makers. There is virtually no spillage of coffee grounds and grounds do not remain stuck to the glass receptacle. Clever design keeps the glass receptacle in place even if you tip the grinder upside down during cleaning.
Great Grinder for the Price
Mark from Los Angeles, CA– Verified Buyer
I am really happy with this Grinder. I read many other reviews online and many have said this is a great bang for you buck and I cannot disagree. The grinder has a small footprint, and is not very tall, so it can fit under many counters. The grind is consistent and I use it primary for moka espresso.
OUR SKU # BMO1168Bistro Electric Burr Grinder is also sometimes listed under the following manufacturer numbers: 10903-01US, 10903-294US, 10903-565US, 10903-913US


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Blizzard use powerful second period to blank Midgets
BISMARCK -- The Bismarck girls hockey team created a big lead after the second period.
The Blizzard used the nine-goal second period to defeat the Midgets 14-0 on Tuesday.
"You have one off period and it costs us pretty badly," Dickinson head coach Lauren Hansen said. "The important thing is that the girls pulled it together in the third."
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Royal Castle
Item No.1710109535
With two levels of fairytale play, the Royal Castle is the perfect home for all of girls' favorite Disney Princess characters. Each room is designed to delight. On the first floor, the living room fits a cozy chair that invites royal friends to relax by the "fire," and a cheerful kitchen features a stovetop that flips over to become a table ready to serve a meal for two. Upstairs, the bedroom features the perfect royal bed for dreaming of happily ever after; and a magical bathroom holds a shower that can adjust to fit any princess who calls the castle home. Travel between the two floors on a pink, swirling staircase, and exit and enter through the elaborate front door. Royal touches include turrets, golden flags and a chandelier. Dolls not included.
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At their March 17 Board meeting, the State Water Resources Control Board will consider a proposed Resolution amending and readopting drought emergency regulations.
Most of us never think about what happens after we flush, but there are seven City of Roseville employees who think about it every workday. They work at the city's water-quality labs, located at the Dry Creek and Pleasant Grove Wastewater Treatment Plants, and it might surprise you to learn that it's an interesting job.
The City of Roseville continues to see improvement with water conservation efforts. Residents and business owners reduced their water consumption by 21.26 percent in August and has reached 18.7 percent since the start of the year. Let's keep up the good work! To meet the community-wide goal of reducing water use by 20 percent, all of us need to continue doing our part.
If you haven't already, sign up for Roseville's free WaterInsight Program to get the data you need to make changes in your water usage – www.Roseville.WaterInsight.com.


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Family of drowned Vero Beach toddler has history of state investigations
INDIAN RIVER COUNTY — The family whose toddler drowned last week had been investigated by state child welfare advocates four times before his death, according to records released Monday by the Department of Children and Families.
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In 2005, Sy Jacobs sold his New York City loft and rented a town house. A hedge-fund manager specializing in financial stocks, Jacobs was troubled by what he saw as an impending train wreck in real estate, due to the worsening credit bubble. With calls like that, it's no surprise that Jacobs has compiled an impressive record steering his market-neutral hedge fund, JAM Partners. Since its inception in April 1995 through the end of March, the hedge fund, which is closed to new investors, has an annual return of 13.4%, net of fees and expenses, versus 8.6% for the Standard & Poor's 500 index. The New York firm oversees more than $600 million, spread across the hedge fund and several private-equity portfolios.
Nowadays, Jacobs is much more upbeat about the banks, citing improved credit quality among the survivors. He recently bought a Manhattan town house, testament to his more bullish sentiments. Jacobs, 52 years old, began his career in 1985 on the sell side as a bank analyst at Salomon Brothers. Barron's spoke with him recently by telephone.
Barron's: Take us back to 2005 for a minute and talk about why you became very skeptical about banks and other financials.
Jacobs: We got very bearish on what low interest rates under the Greenspan Fed regime—and then its attempts to raise them—had wrought in terms of loose credit and the bursting of that bubble. The problem originated in subprime, but it radiated out from there. We were flummoxed by this notion that it could be contained or "ring fenced," which was the popular euphemism at the time.
"The credit pig has been passing through the bank python, and the loans that were made post-2008 have been of much better quality." -- Sy Jacobs Roger Hagadone for Barron's
That ring-fence notion seemed absurd to us. But you had Greenspan and then [current Federal Reserve Chairman Ben] Bernanke, all their followers, and the market taking the opposite side of our bet. So in the first interview I did with Barron's, in 2005, I said that the financial markets would be dominated by the bursting of the housing bubble and its aftermath for the next 10 years, and that's largely played out. We don't typically like to even express a macro view in our portfolio, and we are not a global macro shop. We're a sector fund, strictly in financials. But in that era, we got so bearish about credit within our mortgage focus, and it only secondarily occurred to us that it must have systemic implications for the economy.
How do the banks look to you now?
I see it as a pig-in-the-python analogy. In other words, the credit pig has been passing through the bank python, and the loans that were made post-2008 have been of much better quality. So we are destined to have improving and benign credit comparisons for the next several years. For surviving institutions, credit quality is now a tail wind. We consider the crisis to be over, from a credit-quality point of view, and we've gone back to our comfort zone, which is market-neutral investing in our hedge fund and long-term investing in our private-equity fund.
What about the economy worries you?
All the tools that were used to combat the contagion revolved around massive amounts of fiscal and monetary stimulus. So my fear is that we have a slightly different version brewing of the same kind of misallocation of resources that Greenspan started after Long-Term Capital Management and the tech bubble bursting—that is, pushing interest rates too low and causing distortions in economic behavior. It is manifesting itself now in a liquidity and bond bubble, instead of a housing bubble. So our concern is less specific to housing and mortgages and more generalized to the unintended consequences of excess liquidity and low interest rates.
Turning to banks, what's your view of the sector?
We have had a slightly bullish bias lately, given the credit wind at the back of the financial markets. But the trend we are most excited about is that we see a strong likelihood of a big consolidation in the community-bank business in the U.S. The country is overbanked and overbranched. Consolidation has actually slowed down a lot since the crisis hit. So this isn't happening yet. But the regulatory response to the crisis is going to cause consolidation to pick up again as banks are now feeling increased costs and burdens of the new regulatory regime. So it is especially bad for small banks, which have seen their fixed costs lurch up but whose costs are spread over smaller asset bases.
Community banks typically have low-cost, local deposits for giving higher-touch service in their communities. But with falling rates, they have seen their asset yields reprice down faster than their deposit costs, because their deposit costs were already zero or close to zero, in many cases. So cost pressure and net-interest margin pressure is the current state of affairs in U.S. community banking, along with low growth because the economy is weak. There are 7,100 banks and close to 100,000 bank branches in the U.S., and more than 90% of those banks have under $1 billion of assets. To put that in perspective, the largest bank, JPMorgan Chase JPM -0.11742996141586982% JPMorgan Chase & Co. U.S.: NYSE USD59.54 -0.07 -0.11742996141586982% /Date(1427403694761-0500)/ Volume (Delayed 15m) : 13748849 AFTER HOURS USD59.51 -0.0300000000000011 -0.05038629492777964% Volume (Delayed 15m) : 290710 P/E Ratio 11.170731707317072 Market Cap 221983758735.638 Dividend Yield 2.6872690628149143% Rev. per Employee 403805 More quote details and news » [ticker: JPM], has more than $2 trillion of assets. So banks under $1 billion in assets, which is almost all of the banks in the country, are under a lot of cost and margin pressure. Most are not earning their cost of capital and have little prospect of doing so. So banks under $1 billion have higher expense ratios and lower profitability than those above $1 billion. And the only way out of it is through sales and mergers, where the buyer gets cost efficiencies and greater market share and, thus, pricing power. Another side effect of the financial crisis is that there is now wide support to end too-big-to-fail. So I don't expect megabanks to be allowed to be created through mergers anymore. The consolidation is going to happen from the bottom.
What are some banks that illustrate the consolidation trend?
Provident New York Bancorp [PBNY] is doing a merger of roughly equals with Sterling Bancorp STL 0.5259203606311045% Sterling Bancorp U.S.: NYSE USD13.38 0.07 0.5259203606311045% /Date(1427403733356-0500)/ Volume (Delayed 15m) : 408694 AFTER HOURS USD13.38 % Volume (Delayed 15m) : 3043 P/E Ratio 19.114285714285714 Market Cap 1216161692.83607 Dividend Yield 2.092675635276532% Rev. per Employee 377197 More quote details and news » [STL]. Both are in the New York metropolitan area. Sterling's assets total $2.8 billion; Provident has $3.7 billion of assets. They are doing a stock swap. So shareholders of both companies are winners, as a share of the combined company will have more earnings power, after redundant costs are wrung out, than a share of either of the individual banks would have had alone. The combined entity will have a stronger, more scalable market presence. Both banks, especially Sterling, have a very low-cost deposit base, and both banks have been hurt badly by lower rates. So if my rising inflation and interest-rate scenario plays out, that will help the bank's margins. Once fully integrated in 2014, Sterling, as it will be called, can be a serial and accretive acquirer of other banks in the area. The combined bank will have about $7 billion of assets and about a $750 million stock-market cap.
Provident, which is technically the buyer, is trading around $8.90 a share. We expect them to earn about 58 cents a share in 2013, their last year of independence, about 75 to 80 cents a share next year and nicely higher in 2015—the first full year in which the company will have the entire cost savings and integration in place.
Could you talk a little more about how these banks complement each other?
Sterling is more Manhattan and the boroughs. Provident is more Westchester and Rockland counties, but they both have branches in the city and its suburbs. So it is a really good combination. The synergies will come from a lot of cost savings, which include closing some branches and back-office cuts. And there is the heft that comes from going from two small players to a larger player in the New York City market, which is a concentrated and lucrative commercial-banking market. There will be revenue synergies, as well as cost savings. We owned Sterling before the deal and have been buying both since it was announced in early April, because we like the combination so much.
What's another stock that illustrates your consolidation thesis?
Berkshire Hills Bancorp BHLB 0.4011670313639679% Berkshire Hills Bancorp Inc. U.S.: NYSE USD27.53 0.11 0.4011670313639679% /Date(1427403722009-0500)/ Volume (Delayed 15m) : 63073 AFTER HOURS USD27.53 % Volume (Delayed 15m) : 682 P/E Ratio 20.24264705882353 Market Cap 695132517.337799 Dividend Yield 2.7606247729749365% Rev. per Employee 242404 More quote details and news » [BHLB], headquartered in Pittsfield, Mass., has expanded through acquisitions into upstate New York, Vermont, and northern Connecticut. So they have a head start on what we expect is going to happen in the industry. They've done four accretive acquisitions in the past two years, and they've become a $5.5 billion bank in assets. The management team is excellent, they have a deep bench, they are smart enough to run a much larger bank, and they are very shareholder-value-oriented. An interesting twist is that Larry Bossidy, a longtime GE executive who went on to run Allied Signal and Honeywell International HON 0.23545570489551654% Honeywell International Inc. U.S.: NYSE USD102.17 0.24 0.23545570489551654% /Date(1427403705067-0500)/ Volume (Delayed 15m) : 2762850 AFTER HOURS USD102.01 -0.159999999999997 -0.15660174219438192% Volume (Delayed 15m) : 14484 P/E Ratio 18.88539741219963 Market Cap 79756866394.1119 Dividend Yield 2.026035039639816% Rev. per Employee 317331 More quote details and news » [HON], was the chairman of the bank's board until recently and now serves as the lead director. He happens to be from Pittsfield. And he has mentored the much younger and, in our view, excellent CEO of Berkshire Hills, Michael Daly, and that's one of the reasons why we see this as an institution girded to be much bigger and more powerful.
What kind of earnings can the bank put up?
The market cap is $650 million, and the stock is at $25 and change. We estimate they will earn $2.25 a share this year and grow that at double digits for years to come as they roll up banks in their broad market. They, too, have been hurt by falling interest rates, so the $2.25 is below their current earnings power, but the earnings growth will start getting reflected in the stock price. They can use the stock for more acquisitions to create a virtuous cycle of earnings accretion and growth. The most logical acquisition target for Berkshire is United Financial Bancorp UBNK 0.1586042823156225% United Financial Bancorp Inc. U.S.: Nasdaq USD12.63 0.02 0.1586042823156225% /Date(1427403600162-0500)/ Volume (Delayed 15m) : 46645 AFTER HOURS USD12.63 % Volume (Delayed 15m) : 4129 P/E Ratio 97.15384615384616 Market Cap 622254865.295563 Dividend Yield 3.1670625494853524% Rev. per Employee 504339 More quote details and news » [UBNK], a $2.4 billion bank in West Springfield, Mass. Its market cap is about $300 million, and there are lots of branch overlaps, so the cost savings would be large and accretive. We own UBNK as well. It trades at $14.66 a share. We think it's worth more, but would happily swap our UBNK shares, even in a little or no-premium deal, for Berkshire Hills shares, because the new shares would have much better earnings power and growth prospects than a share of UBNK has now. I actually think that it could happen, because United Financial's CEO, Richard Collins, is 70 years old, and CEOs reaching retirement are often a catalyst for mergers and acquisitions. And it should happen, because the logic of the combination is compelling for both sets of shareholders.
How has Berkshire Hills financed its acquisitions?
Mostly stock and some cash deals. They do it in a proportion that keeps capital ratios above the minimum requirement. But it is largely stock swaps, and that's why this roll-up math is so important. If they generate earnings accretion and growth, then the stock gets rewarded. These stocks are undervalued and are going to move up.
What other bank stocks look interesting?
Another of our favorite consolidation plays is OFG Bancorp OFG 0.5382775119617225% OFG Bancorp U.S.: NYSE USD16.81 0.09 0.5382775119617225% /Date(1427403724841-0500)/ Volume (Delayed 15m) : 273455 AFTER HOURS USD16.7469 -0.0630999999999986 -0.37537180249851276% Volume (Delayed 15m) : 3153 P/E Ratio 10.572327044025156 Market Cap 750751374.349442 Dividend Yield 2.379535990481856% Rev. per Employee 362768 More quote details and news » [OFG] in Puerto Rico. Puerto Rico boomed and busted even more dramatically, I'd say, than the U.S. housing market did in general. But OFG was more of a mortgage-backed-securities portfolio funded by bank deposits in Puerto Rico, so it actually avoided the credit problems of its peers. Then they bought Eurobank, one of the failed banks on the island, in 2010, and last year, in a very opportunistic deal, they bought another of their competitors in Puerto Rico from Banco Bilbao Vizcaya Argentaria BBVA -0.2944062806673209% Banco Bilbao Vizcaya Argentaria S.A. ADS U.S.: NYSE USD10.16 -0.03 -0.2944062806673209% /Date(1427403750530-0500)/ Volume (Delayed 15m) : 1587138 AFTER HOURS USD10.16 % Volume (Delayed 15m) : 43600 P/E Ratio 17.4540456966157 Market Cap 64568486513.6836 Dividend Yield 5.409842519685039% Rev. per Employee 436542 More quote details and news » [BBVA], the Spanish bank that is retrenching from problems in its home market.
Jacobs' Picks
|Berkshire Hills Bancorp
|United Financial Bancorp
|OFG Bancorp
|Old National Bancorp
|Source: Bloomberg
So, suddenly, between these two deals, OFG is the second-largest and cleanest bank in Puerto Rico, and it is the best-positioned to take advantage of less competition and a stabilizing economy. The stock is around $16. We expect them to earn $1.60 this year and to be at $2 run rate by the end of next year, when all the BBVA cost savings are factored in—and that's with recessionary economic conditions in the assumption. There is lots of earnings leverage and upside in a recovery in Puerto Rico.
What about another bank?
Old National Bancorp ONB 1.0442924018725244% Old National Bancorp U.S.: Nasdaq USD14.03 0.145 1.0442924018725244% /Date(1427403600031-0500)/ Volume (Delayed 15m) : 498044 AFTER HOURS USD14.03 % Volume (Delayed 15m) : 29946 P/E Ratio 14.614583333333334 Market Cap 1651134506.61461 Dividend Yield 3.421240199572345% Rev. per Employee 194699 More quote details and news » [ONB] is now just under $10 billion in assets, after buying from the FDIC a failed rival down the street, Integra Bank, in Evansville, Ind. They also have bought two healthy banks elsewhere in Indiana in the past two years. And they recently announced an agreement to buy the northern Indiana and southwest Michigan branches of Bank of America BAC 0.06489292667099286% Bank of America Corp. U.S.: NYSE USD15.42 0.01 0.06489292667099286% /Date(1427403622739-0500)/ Volume (Delayed 15m) : 74658508 AFTER HOURS USD15.45 0.0299999999999994 0.19455252918287938% Volume (Delayed 15m) : 2082993 P/E Ratio 42.833333333333336 Market Cap 162211775021.33 Dividend Yield 1.297016861219196% Rev. per Employee 436397 More quote details and news » [BAC], which is going through its own branch retrenchment. That's going to be the beginning of Old National consolidating the southern Michigan bank market, and Old National is a proven acquirer.
We expect they will be an accretive roller-upper for years to come. The stock is around $12, and the bank will earn a $1.05 this year, with good earnings growth from there if they continue to acquire banks accretively.
Thanks, Sy.
E-mail: firstname.lastname@example.com


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Lot 163
Richard Lange Tourbillon Pour le Merite, Extremely fine and rare, 18K pink gold wristwatch with visible one-minute tourbillon, off-center hour dial, large central minute dial.
Estimate: USD 150,000 - 250,000
Lot 162
18K white gold wristwatch with perpetual calendar, moon phases, square-button chronograph.
Estimate: USD 120,000 - 180,000
Lot 265
Very fine and extremely rare, antimagnetic, "lightning bolt" center seconds, stainless steel wristwatch with honeycomb dial
Estimate: USD 70,000 - 100,000
Important Modern & Vintage Timepieces starts at 10am
January 30, 2015 -- Antiquorum Auctioneers, the world's premier auction house of modern & vintage timepieces, is delighted to announce ... Read More
March 15, 2015 – Antiquorum's auction of Important Modern & Vintage Timepieces on Sunday, March 15th in Geneva totaled CHF ... Read More
Time To #Sell Your #Watch? Give Your #Timepiece the Audience it Deserves... http://t.co/Bdjm5w16d0 http://t.co/AfHIAhs3n7
Timepiece Tuesday: Your Best Bets on the Auction Block on @GetKempt http://t.co/TUI85p0UyU


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Happy Halloween
This halloween was the first time we'd opened our doors for Trick or Treaters and we have to say what lovely, well mannered children we had visit us. Well done to the youth of Beith! Very impressed. :-)…
You can be the story, make and shape the myths or just quietly listen to tall tales of lore.
In fact all ages and stages can become a part of the story, from wee wizards to elderly elves, at an evening of Fairytales Myths and Legends in Beith Townhouse on Wednesday 18th April.
An experienced storyteller will spin the tall tales from 7pm, and who knows where the story will take you......
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DAKINE Sunny Hat - Women'sView Larger Image
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Once you don the floppy brimmed straw DAKINE Women's Sunny Hat, you're safe to soak up the rays on the beach or pull out choking garden weeds without getting too much sun on your head, face, and neck.
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Because of each country's product availability, the selection on this site may not be the same as the one you were previously on.Confirm Cancel
A style essential, these small hoop earrings are crafted from 14k rose gold tubing for a polished, lightweight look, finished with a latch back closure.
View our education section to learn more about our gold jewelry.
very pretty and exactly what I expected from the photo shown
Amanda, North Vernon, IN – March 2015
I have been looking for small, gold hoops like these for some time. I wanted something I could wear for everyday. Anything other than gold irritates my ears.
Karen, Beaverton, OR – January 2015
The are very pretty. My daughter loved the color
Jean, BUTLER, PA – December 2014


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I would like to do some small beers or what other brewers call session beers and wanted to know if I should use rice hulls and how much if so? My concern is my MLT is a converted keg and I don't know if I would have an adequate filter bed with out the hulls. Oh and recipes for session beers would be appreciated too.Thanx in advance.
I just tapped a cream ale for a barbeque at the start of college football season and it was a big hit. I made it for the BMC drinkers, but I even liked it, and I thought it would suck:
ProMash Recipe Printout
Recipe : Gutter Swill Cream Ale
Recipe Specifics
Batch Size (GAL): 5.50 Wort Size (GAL): 5.50
Total Grain (LBS): 8.00
Anticipated OG: 1.040 Plato: 9.95
Anticipated SRM: 2.7
Anticipated IBU: 10.7
Brewhouse Efficiency: 75
Wort Boil Time: 60 Minutes
% Amount Name Origin Potential SRM
87.5 7.00 lbs. Pale Malt(2-row) America 1.036 2
12.5 1.00 lbs. Flaked Corn (Maize) America 1.040 1
Potential represented as SG per pound per gallon.
Amount Name Form Alpha IBU Boil Time
0.50 oz. Hallertauer Pellet 4.20 2.5 15 min.
0.50 oz. Tettnanger Pellet 4.10 8.2 45 min.
White Labs WLP001 California Ale
Lager at 50 degrees for 2-3 weeks.


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The HTC Butterfly S seems to have made an appearance in a few leaked images, showing a device with BoomSound speakers and running Sense 5. Check them out in the rest of the article.
Is this the HTC Butterfly S in these images? (photos)
by Bogdan Bele 1 year ago


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Game Stats
Game Stats
W: J. Contreras (4-5) L: C. Fossum (3-7)
|1st Inning
Aubrey Huff (8) solo shot hard to right off Contreras.
|3rd Inning
Iguchi singled hard to left center, Ozuna scored, Podsednik to second.
Everett singled softly to center, Podsednik and Iguchi scored, Thomas to second on center fielder Gathright's fielding error.
|4th Inning
Uribe hit sacrifice fly to center, Dye scored, Ozuna out at second.
|5th Inning
Frank Thomas (11) 3 run shot hard to left center off Fossum, Podsednik, Iguchi scored.
|6th Inning
Jorge L. Cantu (14) solo shot hard to left center off Contreras.


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A Moment of Simple Justice - Vaccines
Government's Health Care Fraud "Cash Cow" Keeps Mooing
Government's Health Care Fraud "Cash Cow" Keeps Mooing
Uncovering Factory Farming - The Effects of Ag Gag Laws
Intellectual Property Law Issues for Health Care Providers
Polsinelli Podcast - Republicans Gain Control of the U.S. Senate - How That May Impact Health Reform
Polsinelli Podcasts - What Health Care Providers Need to Know About Ebola Preparedness
Polsinelli Podcasts - What Matters in Hospital/Physician Arrangements
Fighting for Education Rights: Equal Justice for Pregnant and Parenting Students
Combining Arms for Justice-Involved Veterans
Polsinelli Podcasts - Confusion to Clarity on the Future of the 340B Program
Anti Kickback and Stark Law Enforcement and Compliance Issues
The Evolution of Informed Consent in U.S. Courts
A Moment of Simple Justice: Legal Weed
Employment Law Issues for Health Care Employers
What patients misunderstand about their right of informed consent
How is Graphene Currently Used and What is the Hope for the Future?
What is Graphene? Fenwick Patent Attorney Has the Answer
Two Tips for Inventors Filing Patent Applications
Polsinelli Podcasts - What's Happening in Healthcare Deals in 2014?
For expatriate health plans issued or renewed on or after July 1, 2015, the Expatriate Health Coverage Clarification Act of 2014 (EHCCA) provides an exemption from various Affordable Care Act (ACA) provisions. Last December,...more
As Californians get back to business in the new year, we wanted to highlight the following changes to California employment laws for 2015:
- Mandatory Paid Sick Leave
- Protections Against Discrimination and...more
Employers know that since the 1980s they have been required to check the lawful work status of employees that they hire through the I-9 process. Employers also know that Immigration and Customs Enforcement (ICE) can audit...more
In This Issue:
- U.S. Court of Appeals Holds that Physicians' Employer is Personally Liable for Costs Associated with The H- 1B Process and Obtaining a Waiver of the Two- Year Home Residency Requirement
- CMS...more
Sixth Circuit Expands the Liability of Health Care Employers for Sponsorship Costs -
On August 20, 2014, the U.S. Court of Appeals for the Sixth Circuit issued its decision in Kutty v. U.S. Department of Labor, No....more
In This Issue:
- More Workers Are Claiming 'Wage Theft'
- Big Companies, States Urge High Court to Rule on Gay Marriage
- Firms Continue to Increase Background Checks on Job Candidates
- Obama...more
The United States Court of Appeals, Sixth Circuit has found the owner of a medical clinic personally liable for a $1.1 million award for back pay and fines because H-1B visa and J-1 waiver fees were deducted from the pay of...more
In a recent Policy Memorandum, the United States Citizenship and Immigration Services ("the Service") acknowledged some trends and changes in the nursing profession and offered some updated guidance to its officers who review...more
On July 11, 2014, U.S. Citizenship and Immigration Services (USCIS) issued a policy memorandum to provide updated guidance on the adjudication of H-1B petitions for nursing positions. The memorandum was issued in response to...more
On August 8, 2014, the Minnesota Department of Health unveiled significant changes to its Conrad J-1 waiver program for international medical graduates. The program changes will be implemented during the 2015 waiver program,...more
On July 21, 2014, the U.S. Citizenship and Immigration Services ("USCIS") released a policy memorandum ("PM"), dated July 11, 2014, which provided the first new guidance on H-1B eligibility for nurses in 12 years!...more
As a general matter, most registered nurse (RN) positions do not qualify as H-1B specialty occupation positions because they do not normally require a U.S. bachelor's or higher degree in nursing or its equivalent as the...more
In recent months, a federal political issue has developed regarding undocumented immigrants crossing into the United States. This week, it was revealed that this issue touches on Maine, when Governor LePage was notified by...more
This Week -
The Senate was busy this week with the Rules committee meeting Tuesday, Wednesday and Thursday mornings to push last minute legislative priorities through the chamber as lawmakers continue to creep towards...more
The Patient Protection and Affordable Care Act will do many things to alter health care delivery in the United States. One thing it will not do, however, is significantly increase the supply of physicians. The new law calls...more
In This Issue:
- Unions Battle with Employers Over Covering ACA Costs
- More Types of Companies Requiring Workers to Sign Non-Competes
- Employers Cut Back on Benefits, Push Health Costs onto Workers
- High...more
I. USCIS Reaches Fiscal Year 2015 H-1B Cap -
As most H-1B employers know, there is an annual quota on the number of new H-1B petitions that can be approved each federal fiscal year. The quota is 65,000 for regular H-1B...more
In This Issue:
- Employers Face Increasing Number of Religious Bias Suits
- Small Business Owners Concerned About Overtime Pay Requirements
- Rising Number of Wage Theft Lawsuits Highlight Enforcement Issues
Notes from the Chair and Executive Editor -
The year 2014 marks Spilman Thomas & Battle's 150th anniversary. While we pause to reflect on our first 150 years, we are also looking forward to how we will create our next...more
The year 2013 was anything but boring for labor and employment lawyers: delay of the Affordable Care Act employer mandate, changes to the National Labor Relations Board and questions about the validity of hundreds of past...more
In This Issue:
- High Court Takes on Union Strategy to Push Neutrality Agreements
- Justices Consider Pay for Union Workers to Don Safety Gear
- Appeals Court Rules for Employers Over Birth Control Coverage
In This Issue:
- High Court Takes on Number of Workplace Dispute Cases
- Government Shutdown Creates Delays at Labor Department, NLRB
- E-Verify Suspension Leaves Employers Concerned Over Hiring
- Judge Again...more
A lawsuit brought by a foreign national doctor earning a six-figure income against the physician owner of his former employer alleging violations of a federal forced labor statute is being allowed to go forward, with the...more
On June 26, 2013, the U.S. Supreme Court ruled in U.S. v. Windsor that Section 3 of the Defense of Marriage Act ("DOMA"), which defined "marriage" as strictly between opposite-sex couples and "spouse" as referring only to a...more
In This Issue:
- A.F.L.- C.I.O. Seeks to Lure Nonunion Workers to Boost Ranks
- Appeals Court Affirms Unions Can Organize Smaller Units
- IRS to Begin Classifying Automatic Gratuities as Taxable Wages
- More...more
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