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Noah Pine Tickets
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Past Tour Dates for Noah Pine
Noah Pine Tour Dates 2013
date city state venue 04/18/2013 Atlanta GA Vinyl Noah Pine Tour Dates 2012
date city state venue 12/26/2012 Atlanta GA Smiths Olde Bar 12/19/2012 Atlanta GA Smiths Olde Bar 12/12/2012 Atlanta GA Smiths Olde Bar


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Home |
Blue Transferware Bowl or Basin browse these categories for related items... All Items: Antiques: Decorative Art: Ceramics: French: Pre 1900: item # 852084
MERCI BEAUCOUP! (French Antiques, Etc.) Beautiful Beaches of Northwest Florida; and Europe, Near the French Border Guest Book $300. |
Beautiful blue transferware bowl or basin. Very large and heavy. Wonderful botanical design with French ribbon on the inside and a beautiful pattern on the outer portion of the piece. |

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Would you be willing to answer a few brief questions about PlayStation Forums?
and i think it's just certain grids are down, a freind of mine lives 30 miles away and he has no troubles signing in
I live in PA as well on RCN network. I can sign in and then it kicks me off shortly after.
wth is blops lol


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Comments: I'm using it for my Chemi-Pure Grande filter pack on my 250 gallon salt water tank. It works perfectly!
Comments: It's an eheim classic, proven design and works great when it isn't packed horribly shipped to you and has a hinge chipped off of it. Eh I'm sure it will work fine but ill think twice before ordering anything heavyish from here again.
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Tri-Cities TN/VA: Scattered clouds, 48.2 °F
Old Mountain Campground - Greeneville, TN
Old Mountain Campgrounds is proud to present nationally known recording act, The Madisons, in concert on May 26, 8-10:30. The concert, featured at the campgrounds outdoor concert facility, is located at 1074 Old Mountain Rd., Greeneville, TN 37743. Admission is free. The Greeneville based band is known for their fluent use of varied musical styles from Country, Jazz, Blues and Southern Rock. "We're thrilled to return to the Old Mountain Campground stage and share our unique take on Americana. We'll play music from our 20 year history and the just released Greener CD", says songwriter/vocalist Lizzie Harrah. Studio veteran Harrah's production and playing experience with bands ZZ Top and Timbuk3 enrich The Madison's Americana roots sound. Ranging from sparse arrangements to electronic or full orchestral feels, the band features an instrumentation sound palette including theremin and mandolin. "Her smoky-smooth vocals drip all over the lyrics and melody with confidence, presence, and sincere conviction. She works it like the pro she is and flows in and around the music." "He (bassist Ruel Russell) and drummer Lee Hamilton nail down the rhythm section like a pair of psycho twins linked together at the groove. They are beyond tight. Together they are a band themselves." - Bob Wall - Space City Rock Old Mountain Campground sits in the Cherokee National Forest. Campsites for the Memorial Day Weekend and Madisons show are still available. Contact Sherry Brobeck at 423-638-3236 The Madisons are available for phone interviews. Please contact Rachel Abrams/ The Madisons/ (281) 615-2982 or via e-mail: firstname.lastname@example.com to set up a convenient time. Please visit The Madisons website at www.madisonsmusic.com for much more information, including mp3's and a press kit. ####


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May 10, 2012, 11:40 AM | #1 |
ATV3 WiFi streaming...
I've been considering getting an ATV3 for a while now. I'm wondering if anyone has had any issues with streaming content, particularly "lag" issues. I ask because I have a PS3 that I use to stream media and I often run into lag issues with it...I'll be streaming a TV show, 2 minutes in it will freeze up for 5-10 seconds then pick back up...sometimes it happens more frequently, sometimes it will freeze up longer than 5-10 seconds, sometimes it will just drop the connection completely.
I'm confident that Apple has this figured out and that the ATV can handle streaming media MUCH better than the PS3+******* media streaming software, but I'm curious to know if anyone has experienced similar issues. I'm so hell bent on local storage now because of this and the idea of switching to an "all wireless streaming" device makes me a little nervous. :/ Also, another question...the AirPlay mirroring feature, do you have to have an iPad(I'm guessing 2 or higher) or iPhone 4s for this to work or can you use it with a regular iPhone 4? Thanks! |
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May 10, 2012, 12:16 PM | #2 |
My AppleTV is connected to my router via Ethernet, but my laptop is wireless. I've never had a problem streaming from it. But to be totally honest I don't do a whole lot of video anymore.
As for AirPlay mirroring, it is possible on the iPad 2, but the iPhone 4 doesn't support it without jail breaking. |
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May 10, 2012, 12:39 PM | #3 |
streaming from you itunes library will be seamless, very impressed with my ATV3, and no you cannon mirror you iphone 4 to your ATV3 but you can play photos, video from it via airplay to your ATV
15" i7 Quad Core MBP (Early 2011) 2.0GHz, 16GB RAM, 1TB HD, AMD Radeon HD 6490M(Intel HD Graphics 3000) OSX 10.9 16GB Samsung Galaxy SIII with 32GB microSD |
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May 13, 2012, 03:32 PM | #4 |
Wireless Streaming performance will vary A LOT depending on the quality of your router.
It will not be seamless if you stream a large blu ray rip from your iTunes via a cheap ISP supplied router. It might take many minutes to start playing. It will be close to seamless if you use an Airport Extreme or comparable N router. It will be best of all if you can get an ethernet cable to it. |
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May 14, 2012, 11:25 AM | #5 | |
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Remineralization on a roll:
Joy Kogias of New South Wales, Australia, has come up with an ingenious product to combat global warming, the greenhouse effect, loss of marine biodiversity and mass extinction. Enviro-Roll Sea Tissue is for use on all ocean going vessels, offshore oil platforms, etc...When used and disposed of in fresh or saltwater environments, the toilet paper, which is impregnated with glacial moraine, nourishes the burgeoning phytoplankton which are a key to stabilizing the climate. Enviro-Roll Land Tissue promotes the growth of land vegetation once used and discarded. She has developed regional specific seed mixes combined with rock dust for use in each country. See her website for more.
We Want Real Food is a book that calls for the remineralisation of soil and advocates the use of Rock Dust. It is currently receiving publicity in the Daily Mail and the Daily Telegraph.
In the past 50 years vegetables on sale in the UK have lost 24% of their magnesium, 27% of their iron and 46% of their calcium. It is time to stop the rot!
The campaign for real food begins with us, whether we shop at farmers markets, organic suppliers or at the supermarkets. We Want Real Food by Graham Harvey sets out what we can do to win the fight back for 'nutrient-rich' food that will stop us from damaging our health - in fact, a fight for real food.
Join the campaign and read more at WeWantRealFood.co.uk.
To order We Want Real Food by Graham Harvey from Amazon and by phone with the Book Service at 01208-2505800.
To contact We Want Real Food Headquarters, click
We Want Real Food published by Constable on 23rd February 2006.
The seminar took place in the Norwegian University of Life Sciences in Aas, Norway on March 13th, 2006. The gathering included people from many different institutions and industries to discuss different aspects of rock powder application in agriculture. A report on this conference by Michael Heim can be found in the Forum. Many questions were explored and issues addressed that are relevant to practical application of rock dust worldwide. The Norwegian University of Life Sciences is a leading international centre of knowledge, focused on higher education and research within environmental- and biosciences. UMB focuses specifically on biology, food, environment, land use and natural resource management.
In an exciting new development, the National Stone, Sand and Gravel Association (NSSGA) is taking great interest in the use of production fines for soil remineralization. Mark S. Kuhar, in an editorial of the April issue of Pit and Quarry magazine, a trade magazine for the aggregate industry, announces the current forming of a National Task Force for Soil Remineralization that will strategize on how to get stone producers together with farmers and nursery operators, "in other words, how to move aggregates to agriculture." Read editorial
To revisit the 1994 Symposium on Soil Remineralization and other articles, click here.
An Interview With Bob Cain
Bob Cain, of SeaAgri, Inc. was recently featured in the November, 2006 issue of ACRES USA, the Voice of Eco-Agriculture. He is part of the minerals-from-the-ocean fertilizer movement and the article is called "Fulfilling Maynard Murray's Dream; Remineralizing Soils & Food via Sea Minerals".
Large Market for Remineralization in China
Biotech Bodisen, a large organic agricultural fertilizer company in China, was recently named the 16th fastest growing company in China by Forbes Magazine. Located in the country with the largest fertilizer market in the world (US $17 billion per year), Biotech Bodisen markets bio-based, fully degradable fertilizer products absent of manure and waste. They have recently acquired a large quantity of fossilized mineral deposits, which has been integrated into their product line. Bodisen recognizes the importance of marketing products to encourage sustainable soil treatment including the use of rock dust. All of their products are classified as "organic" by the Chinese government, meaning they do not produce crops containing harmful chemicals (however, they are not a USA organic certified fertilizer company). Biotech Bodisen has made incredible strides in making sustainable, ecologically friendly fertilization a profitable industry. They currently hold one of the world's largest agricultural product distribution networks, reaching over 60% of China's agricultural markets, up to 900 million farmers.
To read more, visit their website at www.bodisen.com, or visit the forum and post your opinions on this.
Agroforestry Project in Costa Rica: Food, Fuels & Income to Sustain Local Communities
Written byRemineralize the Earth is initiating its first international project in conjunction with John Todd, an internationally-recognized biologist and a visionary leader in the field of ecological design, and Ocean Arks International.
Lyons, Wisconsin
Six years ago, 2001, I started gardening for the sake of improving my ailing health. I was determined to garden organically for the sake of food purity. Setting out with little knowledge and almost zero experience I had two very disappointing years of only fair yield and relentless insect attack.
Disillusioned, I then read up on some organic pest control approaches. Armed with a little non-toxic ammo I achieved less damaged produce. However it cost extra money and time and did not improve yield.
Spencer Brook Farm, Concord, MA
Tomatoes in full bloom and lush growth going through third flowering/fruiting cycle in MA. growing on soil that was last year not much more than low pH sand and gravel. A mix of rock powders was used to bring the plants to this state. Locally available granite schist, highly paramagnetic blacksand, high trace element spectrum summa minerals as well as high calcium lime and colloidal soft rock phosphate. None of the traditional fungus or wilt diseases struck or hornworms as can be easily seen by the lush growth and numerous fruiting cycles. Tomatoes grown on nearby soil were struck down by black wilt by mid August.
Click to enlarge images
Julie Rawson
Founder and Manager, Many Hands Organic Farm CSA, Barre, Massachusetts
Executive Director, Northeast Farming Association (NOFA)
After success with some small scale testing with Ashfield Stone last year, we applied Suma Minerals this year (2007).
I have had over the top harvests of sugar snap peas. Last week we harvested over 200 pounds of peas from about 420 row feet of plants that rose to 8 or 9 feet in height. The leaves on things like chard, beets, flat leaf parsley are stronger and more turgid than I have known them to be. There are many fewer old and ratty looking beet leaves than in the past. The cut flowers have more brightness to their hues than in the past. The petunias in the flower boxes are magnificent. Three days in a row when I woke up this week I woke up with a new sense of physical power that I have never felt before. I figure it is from eating the vegetables that we are growing here. Good stuff!


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Dr. Aaron Butler, Assistant Professor of English at Catawba College, delivered a paper at the 23rd Annual Conference of the Mid-Atlantic Popular & American Culture Association, held November 1-3, 2012 in Pittsburgh, Pa. The title of Butler's paper was " 'The [a]isle is full of noises': Using Contemporary Music to Enhance Performances at the Blackfriars Playhouse."
The paper dealt with modern popular music played during intermissions in as well as prior to performances of Shakespeare's plays at the Blackfriars Playhouse in Staunton, Virginia, and how that music helps to emphasize themes and other aspects of the plays. While at the conference, Butler also chaired a session entitled "Digital Canons," which included papers about using digital media to aid in teaching Medieval and Renaissance literature.
English Department


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A ten-spot grid penalty for changing an engine and varying pit strategies would not stop Penske Racing's Will Power from winning his second-straight IZOD IndyCar Series event (and 17th of his career) on Sunday at the 38th Toyota Grand Prix of Long Beach.
With the victory, Power took the points lead from teammate Helio Castroneves as the series goes to Sao Paulo, Brazil for the next race – a race that Power won in 2010 and 2011.
Power, Castroneves, and the other nine Chevrolet-powered teams had to have precautionary engine changes before the race due to problems during testing earlier in the week. This comes with a 10-spot grid penalty for unapproved engine changes before the mileage limit of 1,850 miles is met.
For Power, who qualified second before the penalty, would have to, once again, battle from deep in the field to win, after starting ninth at Barber Motorsports Park and driving to victory.
The main beneficiaries of the penalties were the Honda-powered teams. Three-time defending IZOD IndyCar Series champion Dario Franchitti in his Target/Chip Ganassi Racing car started on pole and rookie Josef Newgarden in his Sarah Fisher/Hartman Racing car started on the outside.
On the initial start, Newgarden tried to pass Franchitti on the outside of turn one, but the two would make contact and Newgarden hit the wall and his race was finished on the spot. On the ensuing restart, Franchitti's day would go south; with Justin Wilson taking the lead with a similar move to Newgarden. Fellow Honda drivers Simon Pagenaud and Takuma Sato passed and the race was on.
Varying pit strategies altered the race leader board, as most of the Honda drivers went for three-stop strategies, to run faster without saving fuel and to use more sets of alternate red tires for better grip. The Chevy teams used fuel conservation to move up, and Power was the main driver who benefitted.
While Power pitted with most of the Honda drivers on a Lap 22 caution for Sebastian Bourdais hitting the tire barrier in turn nine, team strategist Tim Cindric asked his driver to save fuel so they could make the rest of the distance on one stop. The pace of the Verizon Team Penske car was on display as well, with solid overtaking moves throughout, even in fuel-saving mode.
A crash on Lap 23 involving American's Graham Rahal and Marco Andretti in turn eight knocked both drivers out of the race and helped Power save enough fuel to make the strategy work. Andretti would launch over the back of Rahal's car and almost flip over before landing on his tires in the run-off area.
Once the race restarted on Lap 29, the remainder of the 85-lap race ran under green-flag conditions, helping those drivers who were on two-stop strategies, like Power. Pagenaud (26) and Sato (16) would combine to lead the most laps on the day, but both would fall back due to an extra pit stop. Power would make his second and final stop on Lap 54.
Rahal/Letterman/Lanigan Racing's Sato would make his final stop on Lap 55, having to stretch his final stint to 30 laps. Pagenaud's only chance at victory was to draw enough of a gap on the field before getting a splash-and-go late in the race. The Schmidt/Hamilton Racing driver would bring his car in with 16 laps remaining.
Power would pass Sato on the track, while in fuel-saving mode and pull away. Pagenaud, a former teammate of Power in the Champ Car days, put his head down and ran laps over a second faster than the leaders for the final stint, but he ran out of time. Sato was spun out of third place on the final lap by Hunter-Reay, earning Hunter-Reay a 30-second penalty for avoidable contact, dropping the American to sixth in the final running order.
Behind Power and Pagenaud on the podium was James Hinchcliffe, who scored a career-best finish after finishing fourth last year at Long Beach. Tony Kanaan would finish fourth and JR Hildebrand would finish fifth, to give Chevrolet four of the top five positions. Positions 6-10 were Hunter-Reay, provisional pole-sitter Ryan Briscoe, Sato, Rubens Barrichello and Wilson.
Power's lead over Castroneves in the Championship is 24 points, with Pagenaud a further three points behind in third. Scott Dixon fell to fourth, four behind Pagenaud, after having mechanical problems with his Target/Chip Ganassi Honda machine. Hinchcliffe rounds out the top five, a further point behind Dixon.


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Universidad de Sta. Isabel
Universidad de Santa Isabel | |
Motto | Where Love is Service |
Established | November 5, 1867 |
Type | Private, Vincentian |
President | Sr. Lourdes L. Albis, DC |
Location | Naga City, Camarines Sur, Philippines |
Hymn | The USI Hymn |
Colors | Yellow and Green |
Website | www.usi.edu.ph |
The Universidad de Sta. Isabel (USI) is a private Catholic Vincentian university owned and run by the Daughters of Charity in Naga City, Philippines. It was established by the first five Daughters of Charity that arrived in the country (Philippines) in January 1868 with Bishop of Caceres, Most Rev. Francisco Gainza, O.P., the founder of Colegio de Sta. Isabel (1867) through the royal order of Queen Isabella II of Spain.
On April 12, 1869, the school was inaugurated. Colegio de Sta. Isabel became the first normal school for women in the Philippines and Southeast Asia.
Formerly Colegio de Sta. Isabel, the Universidad de Sta. Isabel achieved its university status in August 2001.
The main campus of the Universidad de Sta. Isabel is located at Elias Angeles Street, Naga City. Its annex campus is located at Panganiban Drive, Naga City.
Higher Education Department Programs[edit]
Graduate Programs[edit]
- Doctor of Philosophy major in Human Development Management
- Master of Arts in Education major in Administration and Supervision, Guidance and Counseling
- Master of Arts in Nursing with specialization in Community Health Nursing,
- Medical-Surgical Nursing, Maternal Child Nursing
- Master in Management
- Master of Science in Social Work
College Courses[edit]
- Bachelor of Science in Nursing College of Nursing
- Bachelor of Science in Medical Technology
- Bachelor of Science in Physical Therapy
- Bachelor of Science in Nutrition and Dietetics
- Bachelor of Science in Food Service & Institutional Management
- Bachelor of Arts major in: Economics, Psychology, Mathematics, English, Mass Communications, Political Science
- Bachelor of Science major in: Biology, Human Ecology & Environmental Studies
- Bachelor of Science in Social Work
- Bachelor of Elementary Education
- Bachelor of Secondary Education
- Bachelor of Science in Commerce major in: Management, Marketing, Management Information System, Banking & Finance, Economics
- Bachelor of Science in Entrepreneurship
- Bachelor of Science in Accountancy
- Bachelor of Music major in: Piano, Voice, Music Education
- Diploma Course in Applied Music
Special Programs[edit]
- Call Center Training Program, Teacher Certificate Program
- Debate Society
- Vincentian Performing Arts Company (VPAC)
- Teatro de Sta. Luisa
- Marillac Alternative Program Student Organization
- Society of St. Vincent de Paul (SSVP)
- FACADE - Official Student Publication of HED
- Children of Mary Immaculate
Basic Education Department Programs[edit]
- Lower Basic Education Department (Grades 1 to 6 Elementary/Primary Ed.)
- Upper Basic Education Department (Grades 7 to 12 High School/Secondary Ed.)
Night Courses Programs[edit]
- Alternative Night College (Small and Medium Term Enterprise & Management)
- Night High School Department (1st year to 5th year level Secondary Education)
External links[edit]


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Arashi. Downey Pine. Urban. Lara Pulver.
Mary - 22. I'm in love with things that can never be.
Sub-blog: heinzess
531 notes:
Maou ♥
I can never not laugh because I always think of how he thinks only j can do scenes like these xD
Forever reblog
So hottt
reblog everytime i see it on my dash
forever reblog


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The Art of Living Program for Excellence at Workplace offers Micro, Small, Medium Enterprises a structured intervention to eliminate stress, enhance inspirational levels and arrive at an overall work life balance of its employees. Learn More
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The choice is always between good and the best or bad and worse. Choice is never between good and bad. When there is a good and bad in front of you, there is no choice. Your choice is only between bad and worse or good and the best. And when it is good and best, why do I have to worry so much. Okay fine, so what. Anyways it is good. The choice is always the confusion of wanting more. You know, you want more joy, more happiness, more something. It is good to have that up to certain limit. Beyond that, that becomes a cause of tension in life.
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Drop Judgments And Embrace AllFeb 13 2014
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"As strange as it may seem, human bodies are transportation devices. You came out of your mother's body when you were born, and you will come out of your own body when you die. A human body brought you into this world and a human body will release you from it"
"May the light of your own consciousness awaken you from an eternity of darkness."
Jack Tyme
"Knock on the sky and listen to the sound"
Contributed by: Subash Raman
Zen saying
"Some folks say that Perception is Reality, but I have always operated under the premise that Reality is Reality. Keep it real!"
Robert Grayson Senter
"Age is not the count of wisdom"
Basil C S
"Never be afraid to trust an unknown future to a known God."
Corrie Ten Boom
"When i die i would rather be remembered for my accomplishments not my personality"
Kenneth waters Jr


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Ladner business owners annoyed by filming
Ladner has become a popular film location for movie crews this summer, but some local businesses are fed up with the hassle.
Local lawyer Murray Lott held a one-man protest last Wednesday when he wrapped his Delta Street office with a highly visible banner that included the words "Ladner, B.C." and Canadian flags.
The banner was aimed to disrupt film crews shooting an A&E TV drama series called Bates Motel, mainly because he feels they were causing a disturbance to his business without compensating him.
Lott said his clients tend to be seniors seeking help and refuge and they shouldn't have to be turned away just because the cameras are rolling.
"They have to run a gauntlet of police and beefy security guards and scruffy film crews," he said.
Clients who are in distress are seeking a tranquil place to confide their problems and it doesn't help that they can hear gunfire outside from the movie set, said Lott. His staff have also reported problems of getting in and out of the office on errands, often being told to wait so they don't walk into the shot.
"Beautiful downtown Ladner gets used for a lot of movie shoots and I don't think it's used very respectfully and I don't think that the benefits are worth the cost, frankly," he said.
Although some businesses directly involved in the filming are compensated, not all are receiving money. Lott said the solution might be some form of group compensation or community amenity contribution.
Carol Miles, president of South Delta Heels, said although her business isn't on Delta Street her customers are still affected by the filming.
"What I don't like is that by the time they come and tell you that there's going to be a movie made the deal's already done," she said. "All the permits and licenses are paid, the paperwork has been done, and even if I wanted to say them, you know, go pound sand, I can't."
Miles said whenever a customer can't get into her store it hurts her bottom line and the movie crews create traffic and parking problems.
"City hall doesn't care because they've already got their money," she said.
Miles said that although the production company will accept compensation claims from businesses, it's a lot of paperwork and has to be submitted by a chartered accountant.
The Ladner Business Association is supposed to liaise with the Corporation of Delta for upcoming location shots in order to give businesses advance notice, but Miles said that hasn't happened.
"You know where the filming is going to be so you should know certain businesses who really will take a hit, and don't discount them just because they're around the corner," she said. "Because they take a hit, too. We bleed."
Miles said the four-day shooting of Nickelodeon's Jinxed in June was so bad that she considered sending her employees home and closing up shop.
Arvind Sharma of the Corporation's engineering department handles film applications and said he hasn't received any complaints from business owners. But he said he will work with the LBA on addressing any concerns that haven't been brought to his attention.
He said one accountant called him last week to say she had a truck arriving to shred documents and it would conflict with filming. So he worked with the film's location manager to make sure crews did not block the truck.
Sharma said he requires the location manager to speak to businesses that will be in the area of the shooting, but it's up to the film company to decide which businesses should be offered compensated if they are directly impacted.
Part of the reason some business owners are upset may be the frequency of disruption this summer. Sharma said that although Ladner has received three film applications recently, it's more common to go nine months between shooting.
"It's one of those things that you can never judge or plan for," he said.
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Posted: 14/06/2011
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Hunter R. Hollar - President, Chief Executive Officer and Director
Don Schuster - Associate Counsel
Daniel J. Schrider - Executive Vice President and Chief Credit Officer of the Bank
Philip J. Mantua - Chief Financial Officer, Executive Vice President
Matt Schultheis - Ferris Baker Watts
Steve Moss - Janney Montgomery Scott
Michael Kohn - Sinova Capital
Jennifer Demba - Suntrust Robinson Humphrey
Mark Hughes - Lafayette Investments
Bryce Rowe - Robert W. Baird
Sandy Spring Bancorp Inc. (SASR) Q3 2007 Earnings Call October 23, 2007 2:00 PM ET
Greetings and welcome to the Sandy Spring Bancorp Incorporated third quarter 2007 earnings conference call. (Operator Instructions) It is now my pleasure to introduce your host, Hunter Hollar, President and CEO for Sandy Spring Bancorp Incorporated. Thank you, Mr. Hollar. You may begin.
Hunter R. Hollar
Good afternoon and welcome, everyone, to Sandy Spring Bancorp's conference call to discuss our performance for the third quarter of 2007. Joining me here today is Phil Mantua, our Chief Financial Officer; Dan Schrider, our Chief Credit Officer; and Don Schuster, Associate Counsel for Sandy Spring Bancorp.
As always, this call today is open to all investors, analysts and the news media. There will be a live webcast of today's call and there will be a replay of the call available at our website beginning later today.
We can take your questions as usual after a brief review of the key highlights. Before we make our remarks and then take your questions, Don Schuster, who is standing in for our General Counsel, Ron Kuykendall, who is out of the office today, will give the Safe Harbor statement.
Don Schuster
Thank you, Hunter. Good afternoon, ladies and gentlemen. Sandy Spring Bancorp will make forward-looking statements in this webcast that are subject to risks and uncertainties. These forward-looking statements include statements of goals, intentions, earnings and other expectations, estimates of risks and future costs and benefits, assessment of probable loan and lease losses, assessments of market risk and statements of the ability to achieve financial and other goals.
These forward-looking statements are subject to significant uncertainties because they are based upon or affected by management's estimates and projections of future interest rates, market behavior, and other economic conditions, future laws and regulations and a variety of other matters which by their nature are subject to significant uncertainties.
Because of these uncertainties, Sandy Spring Bancorp's actual future results may differ materially from those indicated. In addition, the company's past results of operations do not necessarily indicate its future results.
Hunter R. Hollar
Thanks, Don. It was a fairly straightforward quarter for us and we didn't have a lot of things going on in terms of one-time charges or extraordinary items, so I'll just recap a few of the key financial performance highlights and then we'll move on to your questions.
First, let me say overall that we were not satisfied with the earnings per share for the quarter and so far this year, but there were a number of positive aspects to our performance in the third quarter.
Our net income for the third quarter was essentially flat compared to the same quarter a year ago and the second quarter of this year. The positives are that our net interest income and our non-interest income both increased at a double-digit pace. Significantly, our net interest margin increased nicely to 4.16%, reflecting management focus on this important core measure.
Loans and deposits increased 21% and 17% respectively over the levels we reported a year ago, mainly due to our recently completed two acquisitions. On the loan side, we've been seeing consistent single-digit organic growth, predominantly in the small and middle market business sectors, and the loan pipeline is solid, moving in to the fourth quarter.
Excluding the impact of mergers, commercial loan growth advanced about 6% in the third quarter over the prior year's third quarter.
As you'd expect, we've been experiencing a slowdown in residential construction and overall consumer lending.
Based on period end balances, our customer funding sources made up of deposits and customer repurchase agreements decreased 3.9%, not annualized. Our average customer funding sources increased 2.2% from the second quarter to the third quarter. Modest growth by historical standards but growth nonetheless in an environment of very slow deposit growth in the market.
Overall deposit balances are being affected by our conservative pricing philosophy on certificates of deposit and some initial run-off of high-cost balances in our two acquisitions.
Our asset quality remains very strong, even with some measures being higher than traditional Sandy Spring standards, given the current slowdown and turmoil in the economy, and considering that we have one non-performing loan of $13.6 million, we are still confident that our overall portfolio quality is strong.
Dan Schrider, our Chief Credit Officer, will have more to say about this shortly.
Areas where we intend to focus in the future continue to be in expense control and our efficiency ratio. Even though our efficiency ratio remained virtually flat as compared with the second quarter, we are now in the process of examining our staffing, our processes, and all elements of our business model to ensure long-term success with a rational and sustainable expense base.
As many of you listening to this call are aware, our focus is on a much longer time horizon than the next few quarters and we intend to make good decisions for the long-term health of this company as a new banking paradigm emerges. We are paying very close attention to this new paradigm as more products become commoditized, branch break-even points increase and large banks improve their service.
We are convinced that Sandy Spring Bank has the talent and the resources to compete but maybe not in exactly the same way as it's always been done. As the old song goes, times they are a'changing, and Sandy Spring will change to meet the challenge.
Meanwhile, we have a sound, well-capitalized company with an experienced management team to negotiated through the industry changes. One of those experienced managers is Dan Schrider, Executive Vice President and Chief Credit Officer. Dan's been with Sandy Spring Bank for over 18 years and has been Chief Credit Officer since 2003. I will now call on Dan to talk about our large, non-performing loan and its current status, along with some other comments on our credit quality.
Daniel J. Schrider
Thank you, Hunter and good afternoon. As a quick reminder, our $13.6 million loan is to an experienced developer in the lower shore of Delaware, about 67 miles from our easternmost office in Annapolis, Maryland. This area of Southern Delaware has been rapidly growing over the past several years, driven by demand for both inland and coastal properties. The market is within about an hour-and-a-half of major metropolitan areas, and is appealing to those desiring proximity to Delaware's shore and its attractive tax structure.
Buyers in the market are typically those relocating or retiring from Maryland, Pennsylvania, New Jersey, or New York.
Again, this loan is to an experienced developer who had originally contracted with a major national builder to take down over time 450 single family, 342 town home, 266 condo, and 30,000 square foot of retail space, which now has all entitlements in place -- that is, the local authorities have approved the development of this land for the intended use.
In this case, the large national builder walked away from the investment, leaving dollars in the deal. Since the end of the last quarter, we have examined appraisals which take into account the much different market factors which now exist, compared to those which existed in December, 2005, when we closed this loan.
Our appraisals confirm for us that this loan is still supported by value sufficient to repay our loans 100%. Further, we are in discussions with the borrower continuously about how we move forward to make full payment a reality. And while it's impossible to say exactly when that might happen, our best judgment now is that we will be repaid in full.
Let me comment just a little bit further on the other elements making up the total of $25.8 million in non-performing assets. At the end of the period, our non-accrual loans are actually down slightly when compared to the second quarter. The increase in non-performing assets is driven primarily by three credits that reached 90 days past their maturity during a prolonged negotiation process with the clients. Fortunately, as we speak, all three credits are current.
You will also notice that net charge-offs spiked to $844,000 in the third quarter and represent charge-offs of the un-guaranteed portion of government guaranteed commercial credits that were specifically reserved for in 2006. In other words, the impact of these particular loans affected the loan loss reserve when the assets were specifically reserved for in 2006.
Hunter R. Hollar
Thank you, Dan. Let me just mention to add to Dan's comments about our large, non-accrual loan. The effect of this one loan on our earnings per share is about $0.0125 this quarter, so it is easy to imaging that we are very focused on working out of this situation.
I also want to remind you that we have no exposure to sub-prime or Alt-A mortgage loans either in our loan portfolio or our investment portfolio. In fact, we are in the process of letting our customers know that we are very much still in the residential mortgage business. Those borrowers locally whose mortgage brokers have shut down are encouraged to come to Sandy Spring Bank as a source of stable mortgage financing.
You will notice an increase in our residential mortgage loans this quarter and we think there will continue to be an opportunity for us to make adjustable rate mortgages in construction loans to homeowners in our market while other, non-bank lenders drop out of the market.
So that's our brief comments for today, which we can expand on as we take your questions.
Question-and-Answer Session
(Operator Instructions) Our first question comes from Matt Schultheis with Ferris Baker Watts.
Matt Schultheis - Ferris Baker Watts
Good afternoon. Related to your 90 days past due, obviously there was the increase one quarter, and you said that was tied to three credits that are all now current?
Hunter R. Hollar
That is correct, Matt.
Matt Schultheis - Ferris Baker Watts
Did you see any slippage in credit quality tied to your home equity portfolio?
Hunter R. Hollar
None whatsoever in our home equity portfolio at this point in terms of past dues or problem credit -- absolutely none.
Matt Schultheis - Ferris Baker Watts
You continue to shift your asset mix towards loans away from securities. How long do you think you can keep that up, as far as your liquidity is concerned? You obviously have a better picture of pledge securities than I would at this point, so --
Philip J. Mantua
We are probably at the break point on that today with our portfolio being about 15% of total assets. You may recall from a goal or target standpoint, that's about the low-end of where we wanted to take the investment portfolio, and you are correct; on a pledge basis, we are starting to be up against it a little bit in that respect, so we are probably about as far as we can go in that respect and in terms of using the vehicle for funding future loan growth.
Matt Schultheis - Ferris Baker Watts
So basically if you continue to grow loans faster than deposits, you are going to have to increase your wholesale --
Philip J. Mantua
We will either borrow at appropriate rates or we will be a little more aggressive in the local markets, as we were at a point in time before for special CD monies, which I think is, as you know, one of the more significant tools available to us within the customer base.
Matt Schultheis - Ferris Baker Watts
Lastly, you guys mentioned your LIFT program and I was wondering if you are willing to start giving us some benchmarks we could measure by as far as cost phase, cost containment? And related to that, whether you expect to see non-interest expenses grow in '08 versus '07 or whether this lift program may actually drive your overhead costs, you know, your non-interest expenses down year over year.
Hunter R. Hollar
Matt, it's a little too early for us to be specific about that. We are encouraged by some of the initial fact finding that is going on right now with the help of an outside consultant. We've said in the past that as a general matter, we think our traditional efficiency ratio should be down in the mid-50s, or in that range, as opposed to low 60s where it is now.
But we do intend to give further information as we finish the discovery process this year and really move in to implementation next year. But I don't have any specific for you on that at this point.
Matt Schultheis - Ferris Baker Watts
As far as just a general view of how you guys are looking at this, rather than hard dollar figures, are you looking to save money in some areas and then reinvest in those funds? Or do you think it's just straight to the bottom line?
Hunter R. Hollar
Well, certainly there will be some of that reinvestment or saving money some places to reinvest others, but I would say on a net net basis, we're looking for cost savings.
Matt Schultheis - Ferris Baker Watts
Okay. Thank you very much.
Our next question comes from the line of Steve Moss with Janney Montgomery Scott.
Steve Moss - Janney Montgomery Scott
Good afternoon. Sorry if I missed it during Matt's questions, but is the $25 million here a good run-rate, or should we expect some pull back from this quarter's expense level?
Hunter R. Hollar
My answer to Matt specifically was that we are in the early discovery stages of what we referred to as LIFT -- Looking Inward For Tomorrow -- so we don't have specific numbers with regard to non-interest expenses. But as Matt asked us to clarify, we may be looking to do some reinvestment; that is, spending less money in one area to spend more in another. But on a net net basis, we're looking to get our non-interest expenses moving down.
Steve Moss - Janney Montgomery Scott
Okay, and with regard to your commercial construction portfolio, could you give us a little more color with what type of loans you are doing in this environment and where you are seeing most activity?
Hunter R. Hollar
I might as Dan Schrider, our Chief Credit Officer, to comment on that a little bit. Generally speaking, we are dealing with smaller local builders, small to mid-sized local builders. We have been very intentional for some time in dealing with builders who have staying power and a track record. We just have not dealt with less experienced builders, so they tend to be very local and we think with some ability to withstand market cycles. In most cases, the builders we are dealing with have experienced market cycles before. They've been around a while and we think have some ability to do that in this case.
They continue to sell houses, generally speaking. Sales paces are lower, as is generally the case in the market, but that's -- so these tend to be some land development and builder, loans to build houses. Generally no big, speculative advances on houses or townhouses, just a model or enough to keep the project going. And in the case of loans for lots, it's today very much development of lots for people who are also builders and who have some ability to build on those lots. So that's a general capsule of that category. We don't expect the category to grow a lot, obviously in this kind of market, and it is not a huge part of our overall loan portfolio, but it is one that we obviously want to manage carefully in this market.
Daniel J. Schrider
Within that portfolio of commercial construction, we run about 60% to 65% of that portfolio is towards the residential, as Hunter spoke to, and the balance represents traditional commercial projects for commercial borrowers, and the majority of that is owner-occupied type real estate. So that's how that construction category breaks down.
Steve Moss - Janney Montgomery Scott
Okay. Thank you.
Our next question comes from Michael [Kohn] with [Sinova] Capital.
Thanks for taking my question. Could you address maybe -- let me take another crack at Matt and Steve's question in terms of the LIFT program. Is there a time horizon in which you might begin to articulate the goals? If you are not necessarily ready to articulate those goals yet, is there a time in which you envision you might be able to come to the market and say all right, here's where -- aside from kind of the efficiency goal, is there a point at which you could sort of set out a time horizon for getting there?
Hunter R. Hollar
We will be working for a good part of the fourth quarter on identification of opportunities and I would say we would be ready for that -- this is an estimate -- in the latter part of the fourth quarter or early in the first quarter next year.
Michael Kohn - Sinova Capital
Okay, great. And then, on the construction portfolio and specifically on the NPA that was recently reappraised, have you guys already taken position of the land and are able to market it yet, so that it can move out of MPA? Or is that going to be a nine-month process? How should we think about that?
Daniel J. Schrider
This project, we do not have possession of at this point. We have a situation where we have a very cooperative borrower that we believe we've got some nice options of working this out outside of taking possession. At least, that's our take at this point.
As I mentioned earlier, it's tough to predict exactly when that will happen, but we believe it is something that will happen in the near term.
Michael Kohn - Sinova Capital
And are you at all concerned -- I mean, the reason I'm sort of emphasizing some sense of urgency is we don't know where the housing markets are going to be six months from now, three months from now and such, and appraisals today are -- say X could be 90% of X three months from now. It could also be 110% of X, but you get the point.
Hunter R. Hollar
Sure. We certainly have urgency around this one. We think there is some strength in the market and it is significant that the project has all the entitlements in place, so if there is even a small market bounce-back or no further deterioration, we think this is a valuable piece of property. Timing is hard to predict.
Michael Kohn - Sinova Capital
And within the context of just all of your construction book, you -- anything that perhaps has sort of been renegotiated or has run out of interest reserves, or something like that, where you've extended it, you would have put on MPA, so there is nothing that exists that is kind of not on MPA status that hasn't performed to the original contract, correct?
Daniel J. Schrider
That is correct.
Michael Kohn - Sinova Capital
Great. Thank you so much.
Our next question comes from the line of Jennifer Demba with Suntrust.
Jennifer Demba - Suntrust Robinson Humphrey
Good afternoon. If you could characterize any stress you are seeing in other parts of your residential construction portfolio.
Hunter R. Hollar
Well, probably what you would expect. I mean, home sales among new home builders are down. They are moving more slowly. They have not certainly gone to zero. I think every builder we are dealing with is selling homes and so it's not a panic scenario from that standpoint, but the -- generally the sales levels are down in half of what they were back in a more normalized period, just to put a rough estimate on it.
Jennifer Demba - Suntrust Robinson Humphrey
And what kind of watchlist trend are you seeing with regard to your construction portfolio?
Hunter R. Hollar
Watchlist trends are in general increasing. I would say the residential portfolio is participating less in that than just commercial credits in general. We are seeing some distress -- again, just to give you a flavor, in small businesses. As we mentioned earlier, in the SPA type loans, where we went into higher risk credits with a portion of the principal being guaranteed, and so you would expect those businesses to have stress sooner.
So we are seeing some of that increase in watch list activity in the institution.
Jennifer Demba - Suntrust Robinson Humphrey
Thank you.
Our next question comes from the line of Mark Hughes with Lafayette Investments. Please proceed with your question.
Mark Hughes - Lafayette Investments
Good afternoon. Looking at the stock price where it is here, obviously the market is sending a loud message that current results are unacceptable. Yet, and from the number of questions that have already been asked, there seems to be a sense that there isn't a sense of urgency out of you all to get costs under control better. Maybe we're not hearing it loud and clear but I think the question has been asked three different ways.
With earnings that are going to be lower this year than they were five years ago, I would think there is more of a sense of urgency. And when I hear that we're doing a study and maybe the first quarter next year, things are going to -- we're going to have some things to report to you all and stuff -- you know, it's not sending a good message to me that next year is going to be any better than this year, and then you have the whole issue of credit issues looming over your head, which we really haven't had to deal with the last five years.
Can you be a little more specific, or maybe I'm not hearing you right and the other people on this call aren't hearing you right, but we're trying to understand how that efficiency ratio is going to get down to -- you know, what your long-term goal is. Because I've heard you talk about the efficiency ratio for a number of years now and it doesn't seem to get better.
So could you give us some more specifics? I know you may be early in your presses here but it's getting very frustrating.
Hunter R. Hollar
I certainly understand what you are saying and I'm glad you raised the question because we definitely feel urgency around the whole cost issue. What I tried to communicate in my opening comments was that we are looking at the business models in all of our different businesses, we're looking at headcounts, we're looking at the new branch model; that is, the fact that branches are experiencing much slower growth in transactions, the cost of the branches. We will be examining closing of branches. We haven't reached a conclusion that that is the right move, but that's certainly something we will look at as we look at carefully at the profitability of each branch.
I mean, there is nothing here that's untouchable. You mentioned how serious we are about this or how much urgency, this is the first time we've brought in an outside group to really focus 100% of their time on identifying best practices and processes that we can improve.
So this is going to be -- we are currently in the most significant process for examining costs that we've ever been in, and our inability to give you a specific number is not that we don't have urgency around this. It's just that we haven't identified enough to really put some number out there on the street.
But we intend to get very specific internally as to how we are going to save money.
Mark Hughes - Lafayette Investments
Thank you. Good luck.
Our next question comes from the line of Bryce Rowe with Robert W. Baird and Company. Please proceed with your question.
Bryce Rowe - Robert W. Baird
Thanks. Good afternoon, guys. Just a couple of questions, one housekeeping; what was the FTE count for the third quarter, or at the end of the third quarter?
Hunter R. Hollar
I don't know that we have a specific number on that, Bryce. It's in the range of 650 or thereabouts. We don't have that number right here. If we have a chance to find it here as the call moves along, we'll return to that. But FTE count, of course, increased with the two acquisitions and as I mentioned earlier, that's one area that we'll be looking at. So we'll see if we can find that before we wrap up the call here today.
Bryce Rowe - Robert W. Baird
And you mentioned in the press release that integration of Potomac and County were completed in the third quarter. Can you speak to what -- if you met expectations either from a cost-save perspective or timing perspective?
Hunter R. Hollar
From a cost-save perspective, definitely met expectations. Timing and completion of the integration of the systems and that sort of thing went right on schedule.
Bryce Rowe - Robert W. Baird
Okay. Thank you.
(Operator Instructions) Mr. Hollar, there are no further questions at this time. I would like to turn the floor over to -- actually, sir, we do have another question from Michael Kohn with Sinova Capital. Please proceed with your question, sir.
Michael Kohn - Sinova Capital
One last follow-up; as you guys look out strategically at your very attractive marketplace, would you guys envision continuing to look for acquisition opportunities?
Hunter R. Hollar
We think that there are going to be acquisition opportunities within or immediately adjacent to our attractive market here. Certainly the LIFT project that I mentioned earlier has our attention in this immediate fourth quarter and then certainly there will be more attention as we move into the implementation stage next year, but I do think that we will continue, as we've said before, to look for opportunities for sensible acquisitions that fit well with us from a culture standpoint and from a loan quality perspective, obviously all those things are extremely important to us.
So yes, we will continue to look for those but our immediate, most intense concentration is on the LIFT project for the current quarter.
Michael Kohn - Sinova Capital
Is there a specific geography that you are targeting? If you would look to expand, would it be in footprint or adjacent to footprint or what adjacent areas are most attractive to you?
Hunter R. Hollar
It would tend to be within or immediately adjacent. Certainly with our entry into Virginia, we know there are other opportunities that could come up in that footprint, now that we are there and have a foothold. Certainly there are areas of Maryland where Mercantile had been very much an acquirer, and since their acquisition by PNC, we think Sandy Spring could fill in a void there and some of that that we're keeping an eye on, as we've mentioned before, is in even the eastern shore of Maryland as that market starts to grow, or I should say continues to grow.
Michael Kohn - Sinova Capital
So logically, that probably won't happen this quarter, as you had mentioned, because of the focus on LIFT, but you would expect to be back in the market sometime in 2008 if the opportunity presented itself?
Hunter R. Hollar
Yes, that's something we would definitely consider.
Michael Kohn - Sinova Capital
Great. Thanks so much for your time, guys.
Hunter R. Hollar
Let me just mention, for those on the call, in follow-up to Bryce Rowe's earlier question about FTE count, it is currently 716, and that would include, of course, two recent acquisitions.
(Operator Instructions) Mr. Hollar, there are no further questions at this time. I would like to turn the floor back over to you for any closing comments.
Hunter R. Hollar
Thank you all for participating and we'd love to hear any feedback you have for how we are handling the call. You can always e-mail us at firstname.lastname@example.com. Thanks again.
This concludes today's teleconference. You may disconnect your lines at this time. Thank you for your participation.
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This week I'd like to share a post with you from my good friend and fellow coach Bridgette Boudreau . As soon as I read this, I realized I couldn't say it better, so I'm bringing her words directly to you. Bridgette and I have been coaching each other recently on allowing emotions, and I think you'll benefit from her excellent summary of this important life skill. Enjoy! I've been at war with my emotions. I've spent my whole life trying to stuff them down, or my more recent nuance, trying to shift the bad ones away and create the good ones. I didn't want to feel negative emotions because I believed I'm supposed to feel good–that feeling happy was the end goal–and if I wasn't happy I should be actively finding my way back to happy. What I ended up believing was that something was wrong with me. And thinking something is wrong with me–which creates alternating feelings of anger, fear and sadness–was not something I wanted to think or feel either. So I distracted myself with overeating, over-Facebooking, overanalyzing, overtv-ing, over-you-name-it. This was not happening in the distant past, I was doing all these things NOW. And sometimes still do. While I intellectually understand the concept of feeling my feelings, I didn't understand the true nature of my emotions and how to feel them. I remember asking my coach years ago how to feel my feelings and she said just lean into them. That sounded sage and true, but it took me a year of practicing feeling my feelings before I deeply understood what she meant. This instruction was not specific enough for me to understand how to feel my emotions. I always say the weight loss gurus tell us to "eat less and move more" and that if it were that simple to put those concepts into practice, I would be out of business. The same applies for "Feel your feelings!" Sure! I'll just feel my feelings after spending my whole life reflexively repressing them. I'll get right on that. I needed more specifics on how this whole feelings-thing works. I've been looking back over my blog posts for the last year and seeing how most of them are about some flavor of how to feel, live with or shift your feelings. Basically it's been me trying to figure out my own emotional life. In the background I continued to struggle with allowing my own emotions to flow. I didn't tune out emotionally anymore only to check back in six months later, but I still beat myself up for not being a happier person. (Which is funny since I'm a pretty happy person–I didn't say my beliefs were logical!) I didn't fog out by eating whole plates of nachos anymore, but I would eat just a little bit too much at dinner to try to keep that fear of uncertainty at bay. Things began to shift for me as I became willing to delve deeply into my emotional life. Here's what I've learned so far. It's not about Fun, Happiness or even Delight I can feel fearful and peaceful. Because now I know if I'm not feeling HAPPY! or JOYFUL! or GRATEFUL!, there's nothing wrong with me. When I feel happy or joyful, I can relish that moment, knowing it too shall pass and that I don't have to freak out and chase it when it does. Each of my emotions (even the "negative" ones) are here to help me. All I have to do is listen. (Hang in there, I'll tell you how to listen below.) It IS about Peace, Groundedness and Flow Emotions are Here to Help "I can also see quite clearly that happiness and joy can become dangerous if they are trumpeted as the only emotions any of us should ever feel. I've seen so many people whole lives imploded after they disallowed the protection of anger, the intuition of fear, the rejuvenation of sadness, and the ingenuity of depression in order to feel only joy. In short, throughout my life I've found that what we're taught about emotions is not only wrong, it's often dead wrong." She goes on to explain how anger allows us to determine what is acceptable to us and what is not. Pretty frickin' cool. When you allow these emotions to free-flow, they deliver important messages into your consciousness and move on. How to Feel Your Feelings I was onto it with this blog post, but I've got better tools now. Use the below questions to keep your emotional river flowing–check in with yourself several times a day. (Another shout-out to Abigail for sharing these great questions!) This allows you to build your emotional-acceptance muscles and create that feeling of any-emotion+ peace. I've been keeping an emotion journal to help me keep close to my emotional ebbs and flows. I've noticed that by doing this I don't feel the need to overindulge in food or engage in as many distractions. Question 1: What emotion am I feeling right now? Writing anything beyond the emotion is optional, the main thing is to keep this simple so you keep doing it. If you forget to do it, no problem, don't make it a thing–that only causes more resistance. 2. Can I accept whatever I'm feeling right now without judgment? Here's another little tool to use here. I want you to try it on yourself real quick
- Think back to the last time you felt anger, anxiety or fear. Neat, huh? 3. Ask the emotion what message it has for you. That's it. There's nothing to resolve, nothing to "work" on. This is simply you feeling your feelings, creating peace and accepting your full human nature. I can tell you that I feel much more peaceful now that I've let myself off the hook for being happy all the time. |
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Rock Out With Your...
flclrocks07 Unsignedrock out with your clock that you got for Christmas from that really creepy relative that never really says anything but always smells like cheap liquor and likes to pinch your cheeks when every time you get near them and it gets really annoying. You know what I'm talking about?.............What was I talking about again?........OH YEAH!!!......out yeah that's the last word....out.


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I was very pleased with price given for my iPhone 4. The process of selling is really quick and easy - I printed my own return labels and just handed my old phone into the post office. I recieved my cheque within a week. Thank you.
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Ben Affleck apparently skipped the Oscars, however, he made it up by later attending Vanity Fair Oscar Party with his wife Jennifer Garner.
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Kate Hudson has revealed that she will not be tying the knot with rocker fiance Matthew Bellamy "anytime soon" even though they got engaged three years ago.
Last Updated: Tuesday, November 05, 2013, 09:25
All eyes were set on actress Kate Hudson as she walked the red carpet at a recent event here dressed in an extremely low-cut dusty pink dress that featured a slashed neckline.
Last Updated: Monday, November 04, 2013, 13:35
Lea Michele called up her friend Kate Hudson to get her help in avoiding the media spotlight following the death of boyfriend and `Glee` co-star Cory Monteith in July.
Last Updated: Wednesday, October 09, 2013, 14:17
`Reluctant Fundamentalist` star Kate Hudson admits that she is getting a little bit of pressure from her elder son Ryder to walk down the aisle again.
Last Updated: Thursday, August 15, 2013, 16:53
Actress Kate Hudson is taking some private lessons with dancer Derek Hough.
Last Updated: Thursday, August 15, 2013, 08:45
Professional dancer Derek Hough says that actress Kate Hudson has been brushing up her fancy footwork by taking dance lessons from him.
Last Updated: Monday, August 05, 2013, 08:38
Kate Hudson says the closest she came to Britain`s royal family is when Prince William and Prince Harry stayed at her mother`s house.
Last Updated: Friday, August 02, 2013, 11:01
Actress Kate Hudson gave a family touch to the latest campaign for a fashion brand by roping in her nephews for the photoshoot.
Last Updated: Wednesday, July 10, 2013, 15:26
Kate Husdson will launch a new sportswear line, Fabletics in collaboration with an online retailer Just Fab.
Last Updated: Saturday, June 15, 2013, 13:01
Kate Hudson says she loves to apply lip balm multiple times in the day, comparing the number to the times that men think about sex.
more videos >>


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"My experience in ordering an electronic whiteboard from Clary Business Machines was super easy. I did some research online and decided Clary had the Panaboard that we needed. I placed the order online a week and a half ago and the board was delivered today. I hope the guys around here can figure out how to install it!!"
CD/DVD sleeves feature ungummed flaps for repeated use and clear poly windows. Ideal for storing CDs. Sleeve is made of sturdy 24 lb. white wove paper.
Ungummed flap


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I'm starting a company in EV space
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Hi! I'm that crazy guy that was demoing the brain-controlled game where you throw trucks with your mind. If you'd like to know more about that, check out the Kickstarter: http://www.kickstarter.com/projects/1...
And if you'd like to help, please share the link.
Hello Sayaka, Welcome to the group. We would like to hear more about your expertise in the energy industry. Hopefully we can chat at our next meetup.
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Am doing some research for my boss and he wants me to find out the best PORTABLE CD player on the market. Am hoping for some feedback. Thank you
Best quality sound for portable CD players
Posted: September 8, 2012 - 5:45am
edit: Ignore my comment. It didn't answer the question you asked
Posted: September 20, 2012 - 3:28pm
Portable CDPs are obsolete technology like 8-track players.
Take a look at the iBasso DX100 portable audio player.
Use EAC (Exact Audio Copy) to extract the digital music data from the CDs, transcode to FLAC (Free Lossless Audio CODEC), and store the files on 32GB MicroSD cards.
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you know this gateway topic just goes round and round and round. this is what happens when Rogers refuses to allow the consumer free choice in our hardware selection (discussed 1000 times already). we're like mice in a cage. making the best of an intolerable situation. common sense dictates we should be able to purchase the D3 modem of our choice (discussed 1000 times already). rogers has us on a bit on string. And all the while getting filthy rich off our undesireable situation.it don't really matter which Gateway is better, they're all flawed when you get right down to it. who cares if the modem component is good when you've just dropped $150 + tax for a Gateway you didn't want to start with.....A top of the line standalone D3 modem will run you $89-$105 any day of the week and they're usually on sale at one shop or another (discussed 1000 times already).......We need to turn the heat up on Rogers instead of attempting to gloss over their unacceptable hardware usage policies.....
The Motorola SB6180 is a superb 8x4 DOCSIS 3.0 Cable ModemToo much work [and cost] to convince Rogers that it should accept 3rd party cable modems without all the fuss.
Too much work [and cost] to convince Rogers that it should accept 3rd party cable modems without all the fuss.
I wish the CRTC grew a set of balls, and required an ISP that forces a modem rental or purchase from them, to offer both a standalone modem as well as an all in one gateway for the dummies that require them.
Sometimes I think that a standalone modem would be better for the "dummies" as well. It is not that difficult to hook up a router to a modem. On the other hand, when the gateway does not provide decent wireless access, the not so computer literate customer is quite likely going to be perplexed. Will they know how to put their gateway into bridge mode? Will they know that they can even use their own router with a gateway? I think it takes someone with a fair bit of knowledge to go through all the steps required to disable the built-in router and then hook up your own router. Much easier to just hook up your own router in the first place! There is no doubt about it though - the CRTC is completely lacking in gonads!
Most computer users are not capable of installing, configuring and securing a wireless router.
Ten years ago I did not think I could either, but following simple instructions was not that difficult. And if they are "not capable of installing, configuring and securing a wireless router", then how do they solve the problem of a gateway router that does not have a decent wireless range or suffers from dropped connections?


text: How to write a reflective letter?4 replies Anonymous: am need help i am supposed to write a reflective letter on the representation that we did on a pediatrics, i have never written a reflective letter before and i dont what iam supposed to include in the letter. Hi, What is the purpose of the letter? Who is it to? 'Reflective' writing means stating your thoughts and opnions about the topic. Clive Veteran Member66,954 Anonymous: its on the book THe color of water by james mcbride Hi, Who is the letter to? 'Reflective' writing means stating your thoughts and opnions about the book. So, what are they? Clive Anonymous: Dear Mr.(your teacher) Writing has always been an important form of expression for me. I have always had a hard time expressing myself verbally, and I feel that writing gives me a control over my words that I can't find anywhere else. My journal is one of the best ways I know to explore my thoughts and decide on a course of action to take. Writing forces me to slowdown and really consider how I feel about something. English 201 has definitely helped me to grow as a formal writer. In high school, my English teachers told me I had good ideas but that my writing was wordy and unfocused. I understood what they were saying, but unfortunately they never explained what I should do about my problem. This made writing a very frustrating experience for me. In English 201, I think the most important thing I learned is that when I start writing I usually don't have a definite idea of where I am going. What I have found through the writing assignments and the peer commentaries is that my main ideas are often unclear at first, but as I got to the end of a draft they become much clearer. In conclusion, I feel this class has been quite beneficial in my growth as a writer. I got lots of practice in different kinds of writing. I'm planning to major in mechanical engineering, and I know that writing will be an important part of my upcoming career, as well as in my personal life. For my career, writing will be a tool that I will often need to get my point across. I feel that I need to work on knowing when to put personal opinions into my writing and when I should be more objective. Sometimes I get carried away by my feelings about a topic. This class has helped me to understand different writing situations, and I think I am now better able to see when the personal side is appropriate and when it's not. Sincerely, (your signature) (your full name) | Have a question? People are waiting to help. Interesting stuff Related forum topics:Formal letter writing - How to write a formal...How to write a sponsorship letter to my embassy?How to write an invitation letterHow to write a sponsorship letterHow to write a letter to the principal asking...How to write a love letter?how to write a formal letter!!How to end a letter?How to write a letter of motivation or job...how to write a character reference /...how to write a congratulations letter (official)How to write an official letter?HOW TO WRITE A LEAVE APPLICATION LETTERHOW TO WRITE A LETTER TO MY TEACHERHow to write a letter?how to write a ....???how to write a quotation letter?How to write a letter to a friend?Pls help me on how to write a salary increment...Requesting Loan from the company, how I write...How to write letter? |


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Minimization of MC1R selectivity by modification of the core structure of α-MSH-ND Chemistry & Biology, Volume 8, Issue 9, 1 September 2001, Pages 857-870 Sung-Kil Lim, Song-Zhe Li, Chang-Hun Lee, Chang-Ju Yoon, Ja-Hyun Baik and Weontae Lee Summary Background: Melanocortin, through its distinct receptor subtypes, has many different effects. Receptor-selective ligands are required to reduce the undesirable effects of melanocortin. To investigate which conformation is preferable to a given melanocortin receptor subtype, a structural and functional analysis of the ligand–receptor interactions was made by studying the biological activity, the nuclear magnetic resonance structures, and the patterns of the ligand–receptor interaction for each receptor subtype by homology modeling analysis.Results: Among the several analogues examined, [Gln6]α-melanocyte-stimulating hormone (MSH)-ND was found to have 10 000 times less biological activity than α-MSH-ND for the MC1R, whereas, the potencies of both oligopeptides were comparable in both the melanocortin-3 receptor (MC3R) and MC4R. [Gln6]α-MSH-ND exhibited a type I′ β-turn that was similar to the type I β-turn structure of α-MSH-ND. However, a remarkable structural difference was observed with respect to the side chain orientations of the sixth and seventh residues of [Gln6]α-MSH-ND, which were found to be mirror images of α-MSH-ND. By homology modeling analysis, the His6 of α-MSH-ND was found to interact with the TM2 regions of all three receptors (Glu94 of MC1R, Glu94 of MC3R, and Glu100 of MC4R), but [Gln6]α-MSH-ND did not. The phenyl ring of the D-Phe7 residue of [Gln6]α-MSH-ND revealed an interaction with the TM3 regions of both the MC3R and MC4R (Ser122 of MC3R or Ser127 of MC4R). However, in the MC1R, these serine residues corresponded to Val122, which contains two methyl groups that induce steric hindrance with D-Phe7 of [Gln6]α-MSH-ND. This is a possible explanation for the biological activity of [Gln6]α-MSH-ND for the MC1R being significantly lower than that for either the MC3R or MC4R.Conclusions: Minimization of the MC1R selectivity whilst preserving its comparable potency for both the MC3R and MC4R could be achieved by modifying the D-Phe7 orientation of α-MSH-ND, while maintaining the 'type I β-turn'-like structure. Summary | Full Text | PDF (633 kb) |
Neuroprotective actions of melanocortins: a therapeutic opportunity Trends in Neurosciences, Volume 31, Issue 7, 1 July 2008, Pages 353-360 Anna Catania Abstract α-Melanocyte stimulating hormone (α-MSH) and other melanocortins make up a family of endogenous peptides derived from pro-opiomelanocortin. Through binding to five melanocortin receptors (MCR), these peptides exert multiple influences on the host, including anti-inflammatory and immunomodulatory effects. The wide distribution of at least three melanocortin receptor subtypes (MC1R, MC3R and MC4R) in neural, glial and endothelial cells suggests that these receptors could be pharmacological targets for neuroprotective therapies. As a consequence of modulation of NF-κB-mediated transcription, melanocortins reduce production of pro-inflammatory agents in brain cells after injury. During brain ischemia, α-MSH and other melanocortins exert protective influences with a broad time window. Further, melanocortins rescue neurons subjected to excitotoxic insults, accelerate neurophysiological recovery after spinal cord injury and increase regenerative capacity of peripheral nerves in postlesion repair. Based on their established actions, melanocortins could form a novel class of therapeutic agents for acute and chronic disorders of the nervous system. Abstract | Full Text | PDF (343 kb) |
Exocrine Gland Dysfunction in MC5-R-Deficient Mice: Evidence for Coordinated Regulation of Exocrine Gland Function by Melanocortin Peptides Cell, Volume 91, Issue 6, 12 December 1997, Pages 789-798 Wenbiao Chen, Michele A Kelly, Ximena Opitz-Araya, Ruth E Thomas, Malcolm J Low and Roger D Cone Summary The effects of pituitary-derived melanocortin peptides are primarily attributed to ACTH-mediated adrenocortical glucocorticoid production. Identification of a widely distributed receptor for ACTH/MSH peptides, the melanocortin-5 receptor (MC5-R), suggested nonsteroidally mediated systemic effects of these peptides. Targeted disruption of the MC5-R produced mice with a severe defect in water repulsion and thermoregulation due to decreased production of sebaceous lipids. High levels of MC5-R was found in multiple exocrine tissues, including Harderian, preputial, lacrimal, and sebaceous glands, and was also shown to be required for production and stress-regulated synthesis of porphyrins by the Harderian gland and ACTH/MSH-regulated protein secretion by the lacrimal gland. These data show a requirement for the MC5-R in multiple exocrine glands for the production of numerous products, indicative of a coordinated system for regulation of exocrine gland function by melanocortin peptides. Summary | Full Text | PDF (403 kb) |
Copyright © 2001 The Biophysical Society All rights reserved.
Biophysical Journal, Volume 81, Issue 2, 1180-1189, 1 August 2001
Amando Siuiti Ito*, , , Eduardo Sérgio de Souza†, Simone dos Reis Barbosa‡ and Clóvis Ryuichi Nakaie‡
* Faculdade de Filosofia Ciências e Letras de Ribeirão Preto da Universidade de São Paulo, Brasil
† Instituto de Física da Universidade de São Paulo, Brasil
‡ Departamento de Biofisica, Universidade Federal de São Paulo, São Paulo, Brasil
The native hormone α-melanocyte-stimulating hormone (α-MSH) and its more potent analog [Nle4,d-Phe7]α-MSH (NDP-αMSH), labeled at the amino terminal with the fluorescent aminobenzoic acid (Abz) isomers, were examined by fluorescence methods. We observed energy transfer between the tryptophan9 residue acting as donor and Abz as acceptor, the transfer being more pronounced to the ortho-form of the acceptor. Within the hypothesis that different peptide conformations coexist in equilibrium during the fluorescence decay, we supposed that the intensity decay was modulated by an acceptor-donor distance distribution function f(r). From the time-resolved fluorescence experimental data, we recovered the distance distribution between Abz and Trp9, using the CONTIN program, within the framework of the Förster resonance energy transfer model. The methodology proved to be useful to provide quantitative information about conformational dynamics of melanotropins and its dependency on the solvent. In aqueous medium, α-MSH has a broad Abz-Trp9 distance distribution, reflecting the structural flexibility of the peptide. Three different distance populations could be identified in the labeled analog NDP-αMSH in water, indicating distinct conformational states for the synthetic peptide, compared with the native hormone. Measurements in trifluoroethanol resulted in the recovery of two Abz-Trp9 distance populations, both for the native and the analog hormones, reflecting the decrease, induced by the solvent, of the conformational states available to the peptides.


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As a landlord, you may have specific requirements the letting agent has got to fulfill. One example is, you may just be interested in letting agents which will simply help you find a tenant for your property or maybe you would like them to get you a tenant along with handling the entire rental agreement for the full term. As soon as you've made this decision you might then be ready to compare those agents. Needless to say, their particular offers can differ and don't often involve all services you would possibly need.
Online letting agents will vary in regards to what services they feature – before you choose really know what services they are able to offer in addition to their fees. This really is a key point and should be your main criteria to find the best online letting agent. What exactly must you look for before you choose a letting agency?
As an example:
• Does the agent have an office in the area as well?
• Would they publish your 'to let' premises online and in various other places?
• Just what additional tips and strategies to find renters will they have?
• What packages do they really provide and what is included in the cost?
It is always a good idea if you find out in advance whether they can provide these services to avoid any kind of dissatisfaction with the agency at a later time.
An additional aspect you should think of when you compare such online letting firms is whether or not they may be independent and / or whether they tend to be linked with and depend on an estate agency. When it comes to their fees, a few online letting firms are only going to require a fee after they successfully let your premises, but not all offer you this convenience. Make sure you inquire with regard to charges and just how they handle this. It may well be that you have to pay a one off fee so that you can have your house for let registered with the agency.
Do not forget when looking for online letting agents that you generally get what you pay for. If a particular agency comes with surprisingly low fees then ensure you check over what you will get for the investment. While the normal fees may very well be low you may have to pay out for a lot of extra services. If the online letting agent provides complete packages where all things are presented clearly along with the fees, this can be a much better alternative. Commonly, you can find opinions and testimonials on the internet which can help you to have an idea about the trustworthiness of an online letting agency. By looking at other landlords experiences you will soon have an impression about the standing and dependability of the chosen online letting agency.


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Receptional_Andy - 12:05 am on Nov 18, 2009 (gmt 0)
Perhaps, but I don't quite agree with the analogy. Do you want fast food or to wait for something to be prepared and cooked? My analogy is flawed also, but the internet is not made up of good, fast cooks. To my mind, technical proficiency is not a good measure of the quality of a website's content, although, of course, I've been exploiting that advantage wherever I can ;)
Sort of like asking whether your food should taste good or be nutritious, isn't it?


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Real Name/Secret Identity:
Magdalena Elisabeth Vera Lydia Herta von Lerchenfeld
First Appearance:
Valkyrie (2008)
Being a mother, wife and conspirator against Adolph Hitler
Officer's Wife
Base of Operations:
Dirty Details Done Dirt Cheap:
Nina Schenk Grafin von Stauffenberg was the wife of Colonel Claus von Stauffenberg, an officer in the German army and a key player in the internal conspiracy to assassinate Hitler during World War II. Nina was a loving wife and mother of four, well aware and supportive of her husband's involvement in the plot to kill the Fuhrer. After "Operation Valkyrie" fails, Claus is executed and Nina is arrested by the Gestapo, accused of being a co-conspirator, with the four von Stauffenberg children sent to an orphanage under the false name of "Meister." Nina gave birth to her fifth child while being held prisoner at a Nazi maternity center and was reunited at the end of the war with her family. She lived to tell her husband's tale - and to be 92 years old.


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Please send the files and if you get the crash report dialog, make sure you send it in with an email address. If you can give us the email we can then look at the crash report and try and help identify the problem.
Thanks for your patience.
Kevin Schneider
15" Macbook Pro Retina - OSX 10.9 in Portland, Oregon
The files are on my home PC, unfortunately I'm still stuck in the hospital atm. When I'm released I will send them, thanks.
Im finally able to access my corrupted files. Here are one of them:
Error: Unhandled Exception
Any help appreciated.
Here is what I could recover.
Kevin Schneider
15" Macbook Pro Retina - OSX 10.9 in Portland, Oregon
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Start with some of our most frequented solutions to get help installing your software.


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Event detail
Art and Design Auction
2. Mar - 2. Mar 15 / ends in 359 days Pierre Garroudi GalleryFREE
starts at 8
View event on a map
Auction for all creatives
Auction that will take place every Wednesday - open for all - artists, designers, multidisciplinary creators.
We seek extraordinary and expose it. We choose to act brightly and you won't be bored with it.
We spread the borders of imagination and you should be prepared to expect more.
Show up - that will do. You will see what exactly.


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This tumor is very difficult to treat as it tends to rapidly metastasize to different locations in the body. Treatment involves treating both the primary disease as well as complications that have arisen due to the tumor. Chemotherapy is often recommended for slowing the progression of metastasis, but this alone will not stop the disease spread. Because of the vulnerable nature of the location of this sarcoma, it is often neither practical or even possible to recommend surgery with any hopes of success, but in some cases, if the tumor is limited to one mass on the heart, surgery may be a viable treatment. Your veterinarian may drain the fluid that has accumulated within the thoracic and/or abdominal cavity, and pain medications will be prescribed by your veterinarian to relieve your dog's discomfort.
Unfortunately, this disease has a poor prognosis, and even successful treatments may only add months to your dog's life.
The location of this tumor (heart) makes it especially life-threatening, so the prognosis is very poor in most patients. In almost all cases, tumor metastasis has already taken place into the lungs at the time of diagnosis, making treatment more difficult. Even after surgery, recurrence is common. The life expectancy for affected animals is less than six months.
Watch for symptoms associated with recurrence and involvement of other body sites. If you notice your dog having difficulty breathing, sudden behavioral changes, which may indicate metastasis to the brain, or any other symptoms, call your veterinarian. Your veterinarian will prescribe a pain protocol for your dog, as well as a diet that is especially designed for cancer patients. Follow your veterinarian's guidelines for management of your dog at home.


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Word: mamm
Added on: 2010-04-25
Listened: 0 times
Pronunciation in Breton [br] Back to Breton
- Pronunciation by Fanchigo (Male from France)
- Could you do it better? different accent? Pronounce mamm in Breton
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mamm pronunciation in Luxembourgish [lb] Back to Luxembourgish
- Pronunciation by marsneiland (Male from Norway)
- Could you do it better? different accent? Pronounce mamm in Luxembourgish
mamm is pending pronunciation in:
- Cornish[kw] Do you know how to pronounce mamm?
- Random word: Ar Pontoù
by Google Translate English translation:
mamm = mom
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EBERT Family Tree and EBERT Genealogy Records
Last updated: 2004-09-14 | Researchers: 6 | Journals: 1
This is the surname research page for EBERT. This section is designed to contain general information about EBERT genealogy research. Please consider adding some of your own research, either as an editor or with journals below.
What is this? This section (in blue) is available for editing to our advanced members, in a Wiki style. If you would like access to edit this surname page wiki, please contact us.
EBERT Family History and EBERT Family Genealogy Journals
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looking for the family of Clyde Ebert of Los Angeles and Washington ar...
by Snoopy2196 on 2004-09-14 14:17:09. page views: 690, comments: 0
by Snoopy2196 on 2004-09-14 14:17:09. page views: 690, comments: 0