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Quotes & Info
|STI > SEC Filings for STI > Form 10-Q on 8-Aug-2013
|All Recent SEC Filings
Quarterly Report
This report contains forward-looking statements. Statements regarding (i) future
levels of net charge-offs and the trend in net charge-offs, noninterest and
cyclical expenses, the efficiency ratio, expected income from interest rate
swaps, the early stage delinquency ratio, provision expense, the ALLL, NPLs,
volatility in the repurchase demands, full file requests, mortgage repurchase
provision, mortgage production income including refinance and repurchase
volumes, gain on sale margins, MSR value, other real estate expense, gains on
sales of OREO properties, loan growth including growth in income-producing
commercial real estate loan production, and the provision for income taxes; (ii)
the impact to net income available to common shareholders due to lower
provisions as credit quality continues to improve; (iii) the contribution of
interest rate swaps to net interest income; (iv) future levels of net interest
margin, and the contribution of a steeper yield curve to net interest margin and
net interest income; (v) the performance of the residential real estate
portfolio; (vi) our expectations regarding Federal Reserve treatment, and the
timing of such treatment, of our hybrid capital elements and the effect of such
treatment on our regulatory capital ratios, and of our current capital levels
under future Federal Reserve capital requirements; and (vii) future improvements
in our overall asset quality; are forward looking statements. Also, any
statement that does not describe historical or current facts is a
forward-looking statement. These statements often include the words "believes,"
"expects," "anticipates," "estimates," "intends," "plans," "targets,"
"initiatives," "potentially," "probably," "projects," "outlook" or similar
expressions or future conditional verbs such as "may," "will," "should,"
"would," and "could." Such statements are based upon the current beliefs and
expectations of management and on information currently available to management.
Such statements speak as of the date hereof, and we do not assume any obligation
to update the statements made herein or to update the reasons why actual results
could differ from those contained in such statements in light of new information
or future events.
Forward-looking statements are subject to significant risks and uncertainties. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, "Item 1A. Risk Factors" in our 2012 Annual Report on Form 10-K and in Part II, "Item 1A. Risk Factors" of this report, and include risks discussed in this MD&A and in other periodic reports that we file with the SEC. Those factors include:
our framework for managing risks may not be effective in mitigating risk and loss to us; as one of the largest lenders in the Southeast and Mid-Atlantic U.S. and a provider of financial products and services to consumers and businesses across the U.S., our financial results have been, and may continue to be, materially affected by general economic conditions, particularly unemployment levels and home prices in the U.S., and a deterioration of economic conditions or of the financial markets may materially adversely affect our lending and other businesses and our financial results and condition; legislation and regulation, including the Dodd-Frank Act, as well as future legislation and/or regulation, could require us to change certain of our business practices, reduce our revenue, impose additional costs on us, or otherwise adversely affect our business operations and/or competitive position; we are subject to capital adequacy and liquidity guidelines and, if we fail to meet these guidelines, our financial condition would be adversely affected; loss of customer deposits and market illiquidity could increase our funding costs; we rely on the mortgage secondary market and GSEs for some of our liquidity; we are subject to credit risk; our ALLL may not be adequate to cover our eventual losses; we may have more credit risk and higher credit losses to the extent our loans are concentrated by loan type, industry segment, borrower type, or location of the borrower or collateral; we will realize future losses if the proceeds we receive upon liquidation of nonperforming assets are less than the carrying value of such assets; a downgrade in the U.S. government's sovereign credit rating, or in the credit ratings of instruments issued, insured or guaranteed by related institutions, agencies or instrumentalities, could result in risks to us and general economic conditions that we are not able to predict; the failure of the European Union to stabilize the fiscal condition and creditworthiness of its weaker member economies could have international implications potentially impacting global financial institutions, the financial markets, and the economic recovery underway in the U.S.; weakness in the real estate market, including the secondary residential mortgage loan markets, has adversely affected us and may continue to adversely affect us; we are subject to certain risks related to originating and selling mortgages, and may be required to repurchase mortgage loans or indemnify mortgage loan purchasers as a result of breaches of representations and warranties, borrower fraud, or as a result of certain breaches of our servicing agreements, and this could harm our liquidity, results of operations, and financial condition; financial difficulties or credit downgrades of mortgage and bond insurers may adversely affect our servicing and investment portfolios; we may face certain risks as a servicer of loans, or also may be terminated as a servicer or master servicer, be required to repurchase a mortgage loan or reimburse investors for credit losses on a mortgage loan, or incur costs, liabilities, fines and other sanctions if we fail to satisfy our servicing obligations, including our obligations with respect to mortgage loan foreclosure actions; we are subject to risks related to delays in the foreclosure process; we may continue to suffer increased losses in our loan portfolio despite enhancement of our underwriting policies and practices; our mortgage production and servicing revenue can be volatile; as a financial services company, changes in general business or economic conditions could have a material adverse effect on our financial condition and results of operations; changes in market interest rates or capital markets could
adversely affect our revenue and expense, the value of assets and obligations, and the availability and cost of capital and liquidity; changes in interest rates could also reduce the value of our MSRs and mortgages held for sale, reducing our earnings; changes which are being considered in the method for determining LIBOR may affect the value of debt securities and other financial obligations held or issued by SunTrust that are linked to LIBOR, or may affect the Company's financial condition or results of operations; the fiscal and monetary policies of the federal government and its agencies could have a material adverse effect on our earnings; depressed market values for our stock may require us to write down goodwill; clients could pursue alternatives to bank deposits, causing us to lose a relatively inexpensive source of funding; consumers may decide not to use banks to complete their financial transactions, which could affect net income; we have businesses other than banking which subject us to a variety of risks; hurricanes and other disasters may adversely affect loan portfolios and operations and increase the cost of doing business; negative public opinion could damage our reputation and adversely impact business and revenues; we rely on other companies to provide key components of our business infrastructure; a failure in or breach of our operational or security systems or infrastructure, or those of our third party vendors and other service providers, including as a result of cyber attacks, could disrupt our businesses, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase our costs and cause losses; the soundness of other financial institutions could adversely affect us; we depend on the accuracy and completeness of information about clients and counterparties; regulation by federal and state agencies could adversely affect the business, revenue, and profit margins; competition in the financial services industry is intense and could result in losing business or margin declines; maintaining or increasing market share depends on market acceptance and regulatory approval of new products and services; we might not pay dividends on your common stock; our ability to receive dividends from our subsidiaries could affect our liquidity and ability to pay dividends; disruptions in our ability to access global capital markets may adversely affect our capital resources and liquidity; any reduction in our credit rating could increase the cost of our funding from the capital markets; we have in the past and may in the future pursue acquisitions, which could affect costs and from which we may not be able to realize anticipated benefits; we are subject to certain litigation, and our expenses related to this litigation may adversely affect our results; we may incur fines, penalties and other negative consequences from regulatory violations, possibly even from inadvertent or unintentional violations; we depend on the expertise of key personnel, and if these individuals leave or change their roles without effective replacements, operations may suffer; we may not be able to hire or retain additional qualified personnel and recruiting and compensation costs may increase as a result of turnover, both of which may increase costs and reduce profitability and may adversely impact our ability to implement our business strategies; our accounting policies and processes are critical to how we report our financial condition and results of operations, and they require management to make estimates about matters that are uncertain; changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition; our stock price can be volatile; our disclosure controls and procedures may not prevent or detect all errors or acts of fraud; our financial instruments carried at fair value expose us to certain market risks; our revenues derived from our investment securities may be volatile and subject to a variety of risks; and we may enter into transactions with off-balance sheet affiliates or our subsidiaries.
This MD&A is intended to assist readers in their analysis of the accompanying consolidated financial statements and supplemental financial information. It should be read in conjunction with the Consolidated Financial Statements and Notes. When we refer to "SunTrust," "the Company," "we," "our" and "us" in this narrative, we mean SunTrust Banks, Inc. and subsidiaries (consolidated). We are a leading provider of financial services, particularly in the Southeastern United States, and our headquarters is located in Atlanta, Georgia. Our principal banking subsidiary, SunTrust Bank, offers a full line of financial services for consumers and businesses through its branches located primarily in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, and the District of Columbia. Within our geographic footprint, we operate under three business segments: Consumer Banking and Private Wealth Management, Wholesale Banking, and Mortgage Banking, with the remainder in Corporate Other. See Note 15, "Business Segment Reporting," to the Consolidated Financial Statements in this Form 10-Q for a description of our business segments. In addition to deposit, credit, and trust and investment services offered by the Bank, our other subsidiaries provide mortgage banking, asset management, securities brokerage, and capital market services.
The following analysis of our financial performance for the three and six months ended June 30, 2013, should be read in conjunction with the consolidated financial statements, notes to consolidated financial statements, and other information contained in this document and our 2012 Annual Report on Form 10-K. Certain reclassifications have been made to prior year consolidated financial statements and related information to conform them to the June 30, 2013 presentation. In the MD&A, net interest income, net interest margin, total revenue, and efficiency ratios are presented on an FTE basis. The FTE basis adjusts for the tax-favored status of net interest income from certain loans and investments. We believe this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources. Additionally, we present certain non-U.S. GAAP metrics to assist investors in understanding management's view of particular financial measures, as well as to align presentation of these financial measures with peers in the industry who may also provide a similar presentation. Reconcilements for all non-U.S. GAAP measures are provided in Table 1, "Selected Quarterly Financial Data."
Economic and regulatory
Moderate economic growth continued in the second quarter of 2013 driven by improvement in labor market conditions, increased household spending, and further strengthening of many housing markets in which we operate. Household spending continued to moderately increase as consumer confidence increased to its highest level since 2008 and borrowing costs remained at relatively low levels. Compared to December 31, 2012, the housing market continued to strengthen as demonstrated by continued price increases, favorable shifts in supply and demand, and some encouraging signs from certain homebuilding activities. However, uncertainty remained about the strength of economic growth amidst a continued elevated unemployment rate that ended the quarter at 7.6%, unchanged from the first quarter and only slightly below the December 31, 2012 level. Further, the global economy continued to recover unevenly as concerns remained over the economic health of the European Union and reports of slowing growth in emerging markets. While some actions were taken during 2012 to ease the European sovereign debt crisis, uncertainty about the sustained financial health of certain European countries continued to exist.
During the second quarter of 2013, the Federal Reserve reaffirmed that a highly accommodative monetary policy will remain in effect for a considerable time after its asset purchase program ends and the economic recovery strengthens. Accordingly, the Federal Reserve conveyed that it anticipates maintaining key interest rates at exceptionally low levels, at least as long as the unemployment rate remains above 6.5% and its long-term inflation goals are not met. As a result of executing its monetary policy, the Federal Reserve continues to maintain large portfolios of U.S. Treasury notes and bonds and agency MBS with plans to continue adding Treasuries and agency MBS to its portfolio. However, the Federal Reserve indicated it is prepared to increase or reduce the pace of its purchases as the outlook for the labor market or inflation changes. During the second quarter, driven in large part by the financial markets' expectations regarding future Federal Reserve monetary policy actions, certain market interest rates increased and the yield curve steepened. See additional discussion regarding the second quarter interest rate increase in the "Net Interest Income/Margin" and "Noninterest Income" sections of this MD&A. The Federal Reserve outlook includes moderate economic growth, a gradual decline in unemployment, and the expectation of stable longer-term inflation. Capital
During the first quarter, we announced capital plans in conjunction with the 2013 CCAR process and completion of the Federal Reserve's review of our capital plan. Accordingly, during the second quarter we increased the quarterly common stock dividend to $0.10 per common share, which is a $0.05 per common share increase from the prior quarter. Additionally, we repurchased $50 million of our common stock during the second quarter and have plans to repurchase an additional $150 million of our outstanding common stock through the first quarter of 2014.
Our capital remained strong at June 30, 2013, as earnings during the first half of the year drove a $655 million increase in our Tier 1 common equity, and our Tier 1 common equity ratio improved to 10.19% compared to 10.04% at December 31, 2012. Our Tier 1 capital and total capital ratios were 11.24% and 13.43%, respectively, compared to 11.13% and 13.48%, respectively, at December 31, 2012. Overall, our capital remains well above the requirements to be considered "well capitalized" according to current and proposed regulatory standards. See additional discussion of our capital and liquidity position in the "Capital Resources" and "Liquidity Risk Management" sections of this MD&A. The Federal Reserve issued final rules on July 2, 2013 related to capital adequacy requirements to implement the BCBS's Basel III framework for financial institutions in the U.S. The final rules become effective for us on January 1, 2015 and, based on our current analysis of the rules, we believe that our RWA would increase primarily due to increased risk-weightings for commercial real estate, MSRs, and certain on and off balance sheet exposures, resulting in a decline in our capital ratios. Based on our current and ongoing analysis of the recently published rules, we estimate our current Basel III Tier 1 common ratio, on a fully phased-in basis, would be approximately 9.5%, which would be in compliance with the requirements. See the "Reconcilement of Non-U.S. GAAP Measures" section in this MD&A for a reconciliation of the current Basel I ratio to the estimated Basel III ratio. See additional discussion in the "Capital Resources" section of this MD&A.
Financial performance
Continued credit quality improvement and a significant decrease in expenses drove improvement in our earnings during the second quarter compared to the same period in the prior year. Net income available to common shareholders during the second quarter of 2013 was $365 million, or $0.68 per average diluted common share, compared to $270 million, or $0.50 per average diluted common share for the second quarter of 2012. Total revenue declined moderately as a result of the continued challenging interest rate environment, but offsetting the decline was a 51% decline in the provision for credit losses and a 10% reduction in noninterest expenses. Lower revenues were driven by a 5% decrease in net interest income primarily due to lower rates earned on average earning assets, which were partially offset by lower rates paid on average interest bearing liabilities and a reduction in average long-term debt. As a result, our net interest margin declined by 14 basis points compared to the second quarter of 2012. The decrease
in the provision for credit losses was attributable to improved credit quality,
while the decrease in noninterest expenses was driven by the abatement of
cyclically high credit-related costs and our ongoing efficiency improvement
efforts. During the first six months of 2013, our efficiency and tangible
efficiency ratios both improved over 300 basis points compared to the first six
months of 2012.
During the first six months of 2013 net income available to common shareholders was $705 million, or $1.31 per average diluted common share, compared to $515 million, or $0.96 per average diluted common share, during the first six months of 2012. The results for the first six months of 2013 compared to the same period of last year were also driven by moderately lower revenue, offset by significantly lower provision for credit losses and an 11% decline in noninterest expenses due to the same factors as discussed for the quarter. As credit metrics are now at lower absolute levels, the favorable impact to net income available to common shareholders due to lower provisions for credit losses is expected to be less substantial in future periods.
Our asset quality metrics continued to improve during 2013, as NPLs, NPAs, and net charge-offs all declined to five year lows. Total NPLs continued the downward trend from 2012 with a decline of 26% from December 31, 2012, driven by reduced inflows into nonaccrual, continuing resolution of problem loans, and return to accruing status of approximately $220 million of loans previously discharged in Chapter 7 bankruptcy that exhibited a period of sustained payment performance since being discharged. Declines in NPLs were experienced in most categories, with the largest declines coming from the residential portfolio driven by the Chapter 7 bankruptcy loans. In the third quarter, we expect NPLs will continue to trend lower. OREO declined 25% compared to year end, totaling 0.1% of total assets at June 30, 2013, which was the result of continued disposition of properties, coupled with a moderation of inflows. Our accruing restructured loan portfolio increased compared to December 31, 2012, primarily as a result of the Chapter 7 bankruptcy loans returning to accruing status. However, the accruing restructured portfolio continued to exhibit strong payment performance with 96% current on principal and interest payments at June 30, 2013. Early stage delinquencies, a leading indicator of asset quality, particularly for consumer loans, declined during the first six months of 2013, both in total and when excluding government-guaranteed loan delinquencies. At June 30, 2013, the ALLL ratio was 1.75% of total loans, a decline of five basis points compared to December 31, 2012. The provision for loan losses decreased 50% and net charge-offs decreased 49% during the second quarter of 2013 compared to the second quarter of 2012. Provision for loan losses was down 42% and net charge-offs decreased 48% during the first six months of 2013 compared to the first six months of 2012. The declines during 2013 were the result of improved credit quality. Annualized net charge-offs to total average loans was 0.59% and 0.67% during the second quarter and first six months of 2013, respectively, driven by decreases in charge-offs within each loan segment. In the third quarter, we expect net charge-offs will remain relatively stable compared to the second quarter. Overall, the improved credit metrics have been driven by fewer delinquencies, lower loss severities, and higher prices upon disposition of foreclosed assets, all of which are benefits of an improving housing market. We anticipate future improvements in our overall asset quality will likely be driven by residential loans, as the commercial and consumer portfolios are already at or near normalized levels. See additional discussion of credit and asset quality in the "Loans," "Allowance for Credit Losses," and "Nonperforming Assets," sections of this MD&A.
Average loans decreased 2% and 1% during the second quarter and first six months of 2013, respectively, compared to the same periods of 2012. The declines during these periods were a result of lower federally guaranteed student and residential mortgage loan balances due primarily to sales in the second half of 2012, predominantly offset by ongoing growth in C&I loans and our consumer portfolio, excluding guaranteed student loans. Also driving the decline in average loans in both periods was the significant decrease in average NPLs primarily due to our continued resolution efforts and NPL sales in 2012. The percentage of our total loan portfolio that is government-guaranteed was 7% at June 30, 2013. We remain committed to providing financing and fulfilling the credit needs in the communities that we serve and are focused on extending credit to qualified borrowers. To that end, during the first six months of 2013, we extended approximately $48 billion in new loan originations, commitments, and renewals of commercial, residential, and consumer loans to our clients, an increase of 9% from the first six months of 2012. Overall, loan demand remains moderate, but healthy commercial loan pipelines during the second quarter and gradual improvement in consumer and business confidence provide indications of potential future improvement.
Average consumer and commercial deposits increased 1% during the second quarter and the first six months of 2013 compared to the same periods in 2012, respectively. The increase during both periods was primarily the result of an increase in noninterest-bearing DDAs and lower cost NOW accounts, partially offset by a decrease in higher cost time deposits. Average time deposits declined 17% and 18% from the second quarter and first six months of 2012, respectively, as a result of the consumer shift from higher cost to lower cost deposits. The increase over the prior year periods in average consumer and commercial deposits allowed us to further reduce our wholesale and short-term borrowings. Specifically, during the second quarter and first six months of 2013, we reduced our higher-cost wholesale funding sources, primarily long-term debt, on average, by 29% and 24%, respectively, compared to the same periods in 2012. Additionally, we reduced our average other short-term borrowings by 22% and 43% compared to the second quarter and first six months of 2012, respectively. See additional discussions in the "Net Interest Income/Margin" and "Borrowings" sections of this MD&A.
Total revenue, on an FTE basis, decreased 7% and 6% compared to the second
quarter and first six months of 2012, respectively, driven by lower net interest
income, as a result of the continued low interest rate environment, and a
decrease in noninterest income, driven by a decline in mortgage-related revenue.
Net interest income, on an FTE basis, decreased 5% and 6% compared to the second
quarter and first six months of 2012, respectively, due to a decrease in our
commercial loan swap-related income, the continued low interest rate
environment, and lower average earning assets. Additionally, a 67 and 64 basis
point decline in yields on AFS securities compared to the second quarter and
first six months of 2012, respectively, contributed to the decrease in net
interest income. Partially offsetting these declines in asset yields was a
decrease in rates paid on interest-bearing liabilities due to the consumer shift
to lower cost deposit products as well as a significant decline in our long-term
debt expense. Our net interest margin was 3.25% for the second quarter of 2013,
compared to 3.39% for the second quarter of 2012 and was 3.29% during the first
six months of 2013 compared to 3.44% during the same period in 2012. The decline
in margin was due to the same factors as noted in the decline in net interest
Noninterest income decreased 9% and 5% compared to the second quarter and first six months of 2012, respectively, driven by decreases in mortgage servicing related income, trading income, other charges and fees, and securities gains, largely offset by a lower mortgage repurchase provision and an increase in investment banking income. Mortgage servicing related income decreased as a result of less favorable net hedge performance, as well as lower servicing fees due to the decline in the servicing portfolio. The mortgage repurchase provision decreased $140 million and $301 million compared to the second quarter and first six months of 2012, respectively, as a result of the third quarter 2012 increase in the mortgage repurchase reserve to a level that reflects estimated losses of remaining expected demands on foreclosed and currently delinquent pre-2009 GSEs loan sales. Noninterest expense decreased 10% and 11% compared to the second . . .


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City Councilwoman Lisa Czelatdko made it official Wednesday: She will not seek re-election to the District 3 seat she won as a political newcomer two years ago in a race against a seasoned politician.
Reports surfaced last month that she would not go after another term, but she wouldn't confirm them, saying only that she would make an announcement by Feb. 6, the last day to turn in nominating petitions. Just hours before the 5 p.m. deadline on Wednesday, she released a statement confirming the reports.
The statement talks about how she approached the job and says the past two years were "challenging and fulfilling," but it does not indicate why she decided not to run again. She could not be reached for comment.
Czelatdko joined the council in 2011 as a political novice but an experienced community activist. She had started to run for the seat in 2009, but withdrew because she wanted to build relationships and learn more about the issues — a goal she pursued by serving on numerous boards, commissions and nonprofits. In the 2011 race, she defeated Michael Merrifield, who had served eight years in the state House of Representatives.
Some people focused on her good looks and dismissively referred to her as "Broadmoor Barbie." But Czelatdko soon established herself as someone willing to ask hard questions about thorny issues and not afraid to challenge the status quo, fellow council members or Mayor Steve Bach.
"It is a shame you are not running for re-election. The only politician in recent memory that tells it like it is," one supporter wrote about her recently on Facebook.
In her statement, Czelatdko said she has worked on council to be a "catalyst for collaboration," but has had to stand firm on some issues.
"Call it a mother's instinct, but sometimes in the past two years I had to be tough but not inflexible," said Czelatdko, who has four daughters. "Always the concerns of taxpayers, utility rate payers, private property owners and the next generations drove my decisions."
* Council incumbent but not necessarily for the same seat
District 1
Joe Barrera
Don Knight
Tim Leigh*
Linda Mojer
Julie Naye
District 2
Angela Dougan*
Joel Miller
Bill Murray
District 3
Jim Bensberg
Tom Gallagher
Keith King
Bob Kinsey
Brandy Williams*
District 4
Helen Collins
Gary Flakes
Deborah Hendrix
Dennis R. Moore
Susan Quilleash (petition submitted but not verified as of 5 p.m. Wednesday)
District 5
Jill Gaebler
Bernie Herpin*
Al Loma
Roger McCarville
District 6
Ed Bircham
David H. Moore
Andres G. Pico

subset: commoncrawl


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Filed under: News | Technology News
Oct 14 2012, 12:56pm CDT | by Luigi Lugmayr
Austrian dare devil Felix Baumgartner will attempt to ascend to over 120,000 feet in a stratospheric balloon and make a free-fall jump rushing toward earth at supersonic speeds before parachuting to the ground. The balloon is up in space and Felix Baumgartner is getting ready to jump now. Follow the Red Bull Stratos Mission live in our Space Jump Live Coverage with video.
Felix Baumgartner is definitely risking his life with this record breaking jump. He already broke the record of highest ascending manned balloon. We wish him all the best and that he will make it down safe again.
Watch live now if you get into the live stream. If not try for instance Austrian Television.
Source: Imaging Resource
Luigi Lugmayr
Luigi Lugmayr (Google) is the founding chief Editor of I4U News and brings over 15 years experience in the technology field to the ever evolving and exciting world of gadgets. He started I4U News back in 2000 and evolved it into vibrant technology magazine.
Luigi can be contacted directly at email@example.com.
blog comments powered by Disqus
The "geek mind" is concerned with more than just the latest iPhone rumors, or which company will win the gaming console wars. I4U is concerned with more than just the latest photo shoot or other celebrity gossip.
The "geek mind" is concerned with life, in all its different forms and facets. The geek mind wants to know about societal and financial issues, both abroad and at home. If a Fortune 500 decides to raise their minimum wage, or any high priority news, the geek mind wants to know. The geek mind wants to know the top teams in the National Football League, or who's likely to win the NBA Finals this coming year. The geek mind wants to know who the hottest new models are, or whether the newest blockbuster movie is worth seeing. The geek mind wants to know. The geek mind wants—needs—knowledge.
Read more about The Geek Mind.
I4U Daily Email Digest


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Armed with wisdom and if necessary a staff, LEGO Sensei Wu is an old master and responsible for training the ninja and teaching them the art of Spinjitzu. A descendant of the creator of Ninjago, this wise sage faces great challenges to bring peace to the place he lives.
Year Released: 2011
Sets appeared in:
LEGO 853111 Exclusive Weapon Training Set – Limited Edition
LEGO 2504 Spinjitzu Dojo


text:
Black Diamond Bosun's Chair
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Where to Buy
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Retailers' Descriptions
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For big wall climbing, the Black Diamond Bosun's Chair is a comfortable hanging belay with padded comfort, adjustable back rest, and a daisy chain for additional organization.
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text:
Lisa Ann- Playing Palin To Hold Press Conference At Thee Dollhouse Before Republican National Convention
Tampa Press Conference Will Precede 2 Wild Nights at Thee Dollhouse
VENICE, CA – The level of craziness at the Republican National Convention in Tampa can't be predicted, but Lisa Ann is ready for anything that comes her way. She better be, because the press barrage started weeks ago and she's already appeared in GQ, The New Republic and appeared in just about every major newspaper in the country—and she's not even in Florida yet.
In fact, before she goes she'll be in Los Angeles hosting her Sirius XM radio show Tuesday night with Alia Janine at 10.
The main event is naturally her two nights at Thee Dollhouse. Friday and Saturday nights will be the nights everyone can loosen their red tie and let the good times roll as Lisa unleashes her award-winning act on the crowd that will be sure to vote for more as the night goes on.
Tampa press schedule:
Aug 24: 97xonline.com, 8 am ET
Aug. 24: press conference at Thee Dollhouse, 4 pm
Keep up with the latest by following Lisa on Twitter (@thereallisaann).
Lisa would also like to thank Jonathan Morgan and everyone at Wicked Pictures who made last week's shooting of their upcoming all-Lisa movie a great success.
Vote for Lisa in the 2012 NightMoves Awards (Best MILF Performer, Best Social Media Star, Best Website [Performer] and Best Boobs) at www.nightmoves-online.com/voting/index.php?sid=82189.
Lisa's Stripper Town radio show airs Tuesday nights on Sirius XM channel 103 from 9 pm to 11 pm (PT). Visit www.siriusxm.com/spiceradio.
Posted on www.AentertainmentNews.com
We give props to our sponsors the Screaming O, 2001 Live, AEBN Network, Nature Lovin Lubes, Fountain Of Youth Center,The Strip Mall, Skindustry Contests, and Xpeeps Live, we are thankful to have such great companies on tour with us.


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By JESSA LEWIS6 News Reporter
KNOXVILLE (WATE) - Knox County Commission's Rules Committee is sending a written prayer policy to the full commission with a positive recommendation following its meeting Thursday.
The written policy would solidify a long-standing practice to hold a brief prayer before the start of commission meetings if it's passed.
The commission does not currently have a written policy on prayer, but some commissioners have expressed hope such a policy would prevent a lawsuit from organizations like Freedom from Religion.
That Wisconsin-based group has already filed a suit against the Hamilton County Commission after a Chattanooga resident complained about the practice of public prayers before commission meetings.
Freedom from Religion argues the public prayers by government bodies "flagrantly exceed" constraints of a 1983 U.S. Supreme Court decision.
The group has also complained about the word "religion" embroidered on patches worn by Lenoir City police officers.
Knox County Law Director Joe Jarret believes the written policy would hold up in court, if it came to that. "I don't agree with their interpretation of the law. I stand by that which the county commissioners did and will defend it in court if we have to," Jarret explained.
He also added that because the policy is inclusive of all religious beliefs, it will be legally defendable.
Commission Chairman Mike Hammond says he thinks the policy will pass when it comes to a vote, saying that about 80% of the emails he and other commissioners have received have been in favor of the policy.
Rules Committee Chair Brad Anders also believes it will pass.
1306 N. Broadway NE Knoxville, Tennessee 37917
Telephone: 865.637.NEWS(6397)
Fax: 865.525.4091
Email: email@example.com


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WARREN, N.H. (AP) — Officials are investigating the death of a man who was found dead in his tent along the Appalachian Trail.
New Hampshire State Police say two hikers reported finding an unresponsive man in the town of Warren about 8:30 a.m. yesterday.
When police arrived, they found 54-year-old Robert Accola of Raleigh, N.C., dead in his tent.
Police say he appears to have died of natural causes and that his death is not considered suspicious.


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Need a partner for Yellew Spur or another route in the area on Friday (10/19/12). Would not be apposed to doing something on Lumby's ridge either. From New Mexico and in CO for a wedding on Sat. Have all gear needed, safe, compotent and would love to lead all of the pitches or swap leads. Would like to find someone with some multi-pitch experience and good belaying skills. EDIT: Just want to CLIMB something on Friday. Does not have to be in Eldo or on Lumby's. Been climbing for over ten years, lot's of multi picth experience and easy going. Something in the 5.10 range would be ideal but will do something harder or easier.
check your PM. I'm also looking for a partner for friday.


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When the The Story Tour - A Christmas Spectacular tour, featuring Natalie Grant and Casting Crowns' Mark Hall, Jeremy Camp, Matthew West, The Story creators Nichole Nordeman and Bernie Helms, Selah, Rawsrvnt and renowned author and pastor, Randy Frazee, ends, Natalie will spend Christmas at home with her family. Once the new year kicks off, she will be back on the road with Charlotte Gambill for the 2nd Annual Dare To Be tour.
Six years ago, four time Dove Awards Female Vocalist of the Year, Natalie Grant and Charlotte Gambill met while doing ministry in the US and the UK. As "chance" brought them to the same stages time and time again, a friendship took root. God took two women from opposite sides of the world and knitted their lives together. Before long, they were the best of friends, sharing their lives as they grew together in Christ.
At some point over the years, the two ladies realized that God had given them the same vision. A conference event for women that challenged them to "aim higher, to stretch further - to trust." Grant explained their dream in a press release by saying, "We want to provide a place where women can rediscover their God-given dreams. We want to encourage women to go further than they ever thought possible; that right in the middle of their routine, God wants to shake things up. And right in the middle of hardship, God is providing the fuel for us to do more than just survive; He's calling us all to thrive. 'Dare To Be' is an event that will equip women with courage; so that they can be all that God has destined them to be."
"Dare To Be" events, presented by Hello Somebody and sponsored by Regent University, will feature the two doing what they do best; singing (Natalie) and speaking (Charlotte). Combined, these two powerful women of God will spend the evenings challenging and equipping their sisters in Christ to do more than just survive. They want us all to flourish wherever God has planted us.
Gambill, a well-known international speaker and author, who helps lead Abundant Life Church in England as a Senior Associate Pastor, said, "This wasn't an event we planned. We feel it's a journey we are unfolding and inviting others to join. The earth needs its mothers, daughters, sisters to stand up and unite to care, to involve, to help. Sometimes you just need someone to come alongside you that understands your journey, to open their heart and share honestly their mistakes and victories." She went on to say, "This event is to encourage women to 'dare to be' all God says they can be, to cheer them on and remove limitations, excuses and liberate dreams and destinies."
Natalie Grant Tour Dates
|The Story Tour
|December 4
|Hoffman Estates, IL
|Sears Centre Arena
|December 6
|Cypress, TX
|Berry Center
|December 7
|Dallas, TX
|American Airlines Center
|December 8
|San Antonio, TX
|Freeman Coliseum and Expo Hall
|Dare To Be
|January 10
|Nashville, TN
|Long Hollow Baptist Church
|January 11
|Baltimore, MD
|Bridgeway Community Church
|January 12
|Cleveland, OH
|Grace Church
|January 13
|Columbus, OH
|Grove City Church of the Nazarene
|January 17
|Sacramento, CA
|Capital Christian Center
|January 18
|Portland, OR
|New Hope Community
|January 19
|Seattle, WA
|Christian Faith Center
|January 24
|Mobile, AL
|Dayspring Baptist Church
|January 25
|Victoria, TX
|Faith Family Church
|January 26
|Shreveport, LA
|Word of God Ministries
|2013 Solo Dates
|January 31
|Miami, FL
|K-LOVE Cruise 2013
|March 23
|Pigeon Forge TN
|Women of Joy


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Monday Night Football celebrated its 40th anniversary season in 2009 and, as a member of the broadcast technical crew, photographer Bo Gray had a front-row seat to all the locations visited that season.
Bo took advantage of the required travel by arriving early in each location and then gathering and compiling images of each city to give to his co-workers as an end-of-the-season gift.
These photo montages are the result.


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The 1987 Dance Aerobics Championship
Posted by carver55 on Nov. 11, 2009
Posted by carver55 on Nov. 11, 2009
 homosexual
 what so funny bout this omg they were faboulous!!!!!!!!!!!
 look gay men have always had a way of ambigiously express latient homosexuality, This was the eighties, turn of century is was being "Metro-Sexual" Today it is Tweeting.
 that was actually hilarious i got totally hard from laughing, i also almost crapped my pants from laughing so i had put 2 fingers in my anus
Saved by the Bell?
 cool!
 gay
def. uber gay
of you watched more than 20 sec of this, you're gay
Stop Im blushing!
milfslayer has a gay porn vid on his profile
Hey MilfSlayer what is your avatar sucking on?
If your avatar is a hand signal your gay!
 Wow. that is SCARY
I was so scared Im on my 11th viewing!
 I dunno, I kinda liked it.
 i feel like i lost man points just by watching this crap...Very homo.
Like to see you say dat' to their faces BEOTCH!
Three points: First, all three of those guys died of AIDS decades ago. Second, I was in high school during the Eighties and it really was this bad. Third, Devo was actually a very good band.
Have to admit great vid, great moves, guess thats why they are the champions! Finally good job BREAK! Think I speak for everyone: Please give us more vids like this one!
please keep your homosexual speeches for yourself
 America's Best Dance Crew in the 1980's
I feel like a need to kick my dog and gargle some miller lite..... some gah sheet
 very MACHO, very sexy. NOT
That made my dilly-packer stand at attention.
lol only in america
I'm sure your dad does
I feel bad for Alan Thicke!!! Maybe this is why Ben turned out gay.
I love these men!
 wtf did i just watch....
the inspiration your father required to bang your mom that ultimately made you
 In spite of this video's existence, I still love Devo.
 i'm sure they always drop the soap
A gay wakes up for work,goes into the kitchen and sees his boyfriend jerking off into a baggie. "What are you doing?" he asks. "Packing your lunch" says the boyfriend.
 hahahahahaha
 i need to take a shower and wash the gay off
not enough water on the planet for that
 are you f'n kidding me with this... this should be the new rick roll.
 Well...it's gay
 isnt this called cheerleading or just bad dancing.
Thanks, Break...now we're all gay for having watched it...
 Gays.
 Incredibly Gaylish.
San Fran for yah


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Everything but the Kitchen Sink Cookies
When you're in the mood for something deliciously sweet, try these "Everything but the Kitchen Sink" cookies.
Get MoreSubscribe to Martha Stewart Living
- 1 cup (2 sticks) unsalted butter, softened
- 1/2 cup granulated sugar
- 1/2 cup light-brown sugar
- 2 large eggs
- 2 teaspoons pure vanilla extract
- 2 cups all-purpose flour
- 1 teaspoon baking soda
- 1/2 teaspoon baking powder
- 1 teaspoon salt
- 1 1/2 cups old-fashioned rolled oats
- 3/4 cup sweetened shredded coconut
- 3/4 cup toffee bits
- 3/4 cup roughly chopped dark chocolate
- 3/4 cup dried cherries
- 3/4 cup roughly chopped pecans
- 3/4 cup roughly chopped salted pretzels
- Nonstick cooking spray
Step 1
Preheat oven to 350 degrees. Line baking sheets with nonstick baking mats or parchment paper.
Step 2
In the bowl of an electric mixer fitted with the paddle attachment, cream together butter and both sugars. Beat in eggs, one at a time, until well blended. Stir in vanilla.
Step 3
In a medium bowl, whisk together flour, baking soda, baking powder, and salt. With the mixer on low, gradually add to the butter mixture; continue mixing until well combined. Add the oats, coconut, toffee, chocolate, cherries, pecans, and pretzels and mix on low until just combined.
Step 4
Using a 2-inch ice-cream scoop, drop batter onto prepared baking sheets about 2 inches apart. Press tops down with the bottom of a glass, sprayed with nonstick cookie spray, to flatten cookies evenly. Transfer baking sheets to oven and bake until golden, 12 to 14 minutes.
Step 5
Let cookies cool on baking sheet for 2 minutes before transferring to a wire rack to cool completely.
SourceThe Martha Stewart Show, September 2009
Related Topics
Reviews (5)
Closey2 Oct, 2009
Closey2 Oct, 2009
this looks yummy!
Pili_11233387_41020 Sep, 2009
One of the best cookies ever! Thank you Martha :)
Vanessa_in_Australia20 Sep, 2009
I had no problems. Try this link: http://tinyurl.com/mbgmxo
Bardita18 Sep, 2009
I am having the same problem can't print.


text:
TPM Livewire
NASA: Cooling System Fails On International Space Station
"The crew was never in any danger," NASA spokesman Josh Byerly told NBC News. "They worked to keep the freezers going. ... They're fine for the near future."
Via NBC:
Byerly said engineers think the problem was caused by a malfunctioning flow control valve for the station's ammonia coolant. Mission managers are trying to determine whether a software fix can get the valve working again, or whether a spacewalk will be required. Sorting through the issues might take a couple days, or as much as a couple of weeks.


text:
Newport, New Hampshire - March 10, 2005
Kenneth Carpenter is facing a possible life sentence for the death of Edith Meyer.
The 55-year-old Goshen, New Hampshire, woman -- known to her friend as "Pen," disappeared on February 23rd.
Police say Kenneth Carpenter killed her because he was angry she had helped his ex-girlfriend get a stalking order against him.
The lead investigator says that woman, Sandra Merritt, got an unusual phone call from the victim the morning she disappeared.
"She should rethink the stalking order, she should drop that, they should get back together. Was that call unusual? It was very unusual. Completely contrary to everything pen had represented by supporting sandy with the stalking order and breakup," says Det. Sgt. Russell Lamson of the New Hampshire State Police.
Police say a search of Carpenter's home uncovered fragments of human bone in a fire pit.
But the defense attorney says there is a "tremendous gap" in the evidence. The state has not identified any blood, DNA, or other evidence to link the victim to the defendant, or even shown how Meyer died.
Prosecutor Will Delker says that's not needed.
"The state does not have to allege the cause of death and in a case in which the defendant destroys the body, it may be impossible for the state prove cause of death, but it can still prove the defendant is responsible," says Will Delker, prosecutor.
The case now moves on to a grand jury.
They will decide whether to indict Kenneth Carpenter for murder.
Kate Duffy - Channel 3 News
PO Box 4508
Burlington, VT 05406-4508
Primary Phone: 802-652-6300
Primary email: firstname.lastname@example.com


text:
Thread: 2 Vikes- Eagles tixs for sale
10-25-2007, 01:03 PM #1Waterboy
- Join Date
- Sep 2007
- Posts
- 5
2 Vikes- Eagles tixs for sale
These tickets are in Sec.129 row 1
( about 20 yd line)
I am coming in from Iowa on Sat. afternoon
so we could meet then or on gameday some where near the stadium.
Face is 115 each , selling for 100.00 each or best offer.
Email at
[email protected]
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|Hoodratz In Space Exclusive Signed Prints!
Friday, January 27, 2012
Hoodratz In Space prints!
Be sure to purchase your exclusive signed Hoodratz In Space prints by Erik Reeves at this years Sci-fi Expo 2012 February 11-12.
Monday, January 23, 2012
Sci-fi Expo 2012
Be sure to come see me at this years Sci-Fi expo February 11-12
Subscribe to: Posts (Atom)


text:
Faking a glove tap then taking a swing has been a reoccurring theme with fighters that know they just don't stand a chance another way. That still doesn't make it right. Adam Fyfe vs Alex Thorne at Absolute Adrenaline: Platinum on November 4th.
Fight starts at the 1:30 min mark.


text:
In 2010, public ratings agencies upgraded en masse, or "recalibrated," tens of thousands of municipal bonds without without a formal review of each obligor's underlying credit characteristics. Recently, Moody's and S&P announced new revisions to their General Obligation (GO) rating methodologies. S&P's revision is anticipated to result in an upward migration of their local GO
Perspectives Blog
September 2013 Archive
Puerto Rico's economic contraction and fiscal decline is persistent, well-documented and widely acknowledged within the municipal marketplace. For Puerto Rico, continued access to affordable capital remains imperative for the maintenance of fiscal operations, liquidity, and maintaining investment-grade agency credit ratings. We maintain the opinion that investing in Puerto Rico municipal bonds remains appropriate only for
The net investment income tax (NIIT) is a new, permanent tax that is effective beginning in 2013. Investors' workplace retirement plans, such as 401(k) plans, may offer several opportunities to reduce exposure to the tax. The Columbia Management Learning Center is dedicating a series of blog articles to this important and timely "Navigating the New
A change in focus from Federal policy to economic and corporate earnings growth should be better for active portfolio management. When the market is focused on broad topics like risk and Fed policy, the tide tends to lift or sink all boats. A greater focus on economic growth and earnings should lead to significantly more
Recent retail sales data are well below expectations and probably an indication that consumers have become more cautious about spending. Financial conditions matter greatly, and the recent tightening is likely having some impact on housing activity and consumer attitudes. Spending follows wages and it will be difficult for retail spending to gain much traction with
The Net Investment Income Tax is a new, permanent tax that is effective beginning in 2013. Investors who break a certain modified adjusted gross income threshold may face a 3.8% surtax. This tax is in addition to any ordinary income or long-term capital gains tax obligations. The Columbia Management Learning Center is dedicating a series
Just a few years' delay in saving for college can dramatically increase the monthly savings needed to meet education funding goals. Early saving for college can reduce the burden of borrowing and pressure on current income when the child attends college. A "Cost of Waiting" calculator can help you see just how much it could


text:
Gay marriage legal in Minnesota after Gov. Mark Dayton signs bill
Tuesday, May 14 will go down as a historic day for the state of Minnesota. Governor Mark Dayton signed a bill into law, making Minnesota the 12th state in the U.S. to allow same-sex couples to marry, according to Reuters. The signing comes one day after state senators approved the bill. Minnesota is the third state in May to approve of same-sex marriage, following in the steps of Rhode Island and Delaware.
"It is now my honor to sign into law this next step for the state of Minnesota to fulfill its promise to every Minnesotan," Dayton told a crowd assembled in St. Paul. The law goes into effect August 1, and it was announced that the city hall in Minneapolis will open at midnight on that day, allowing couples to have their wedding ceremonies. The mayor of Minneapolis will be on-hand as an officiator that first night.
Minnesota is the second state in the Midwest to approve of same-sex marriage, after a state Supreme Court order made it legal in Iowa in 2009. Illinois is working on their own bill, as well. It was approved by state senators in February, but awaits a vote from the House.
Gay marriage still isn't legal on a federal level, though it's being addressed by the Supreme Court.
Photo/Video credit: Getty Images


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Award-winning iQ, Radius mixers come to Amsterdam in September
29 July 2011, Cleveland Ohio, USA
Hot on the heels of NAB and Broadcast Asia debuts that had radio engineers talking, Axia Audio's newest IP mixing consoles will travel to Amsterdam for their European introductions at IBC 2011.
Axia's new Radius and iQ consoles are packed full of big-console capabilities and networking features, but are priced lower than any other IP consoles.
Radius, a compact networked mixing desk with four stereo buses, eight faders, 16 audio I/O ports and an Ethernet switch with Gigabit, retails for just $5,990 USD. iQ, a full-featured four-bus IP console (also with built-in I/O and Ethernet switch) is available in sizes from 8 to 24 faders. A 16-fader iQ carries a list price of just $9,985 USD, while an 8-fader iQ lists for only $7,990. iQ consoles can be customized with expansion frames that add more faders, phone controls, and programmable user keys.
Both Radius and iQ plug into self-contained Integrated Console Engines, fanless, convection-cooled console CPUs with audio I/O, logic, mix engine, power supply and Ethernet switch.
"Everyone agrees that IP-Audio has fully entered the broadcast mainstream," notes Axia Marketing Manager Clark Novak. "Radio engineers love AoIP's proven reliability, ability to scale easily, and the operational advantages of being able to share audio sources throughout their plant. And now, everyone can take advantage of the benefits of this exciting technology."
Axia iQ and Radius consoles are fully self-contained consoles that can network as well. Thanks to their combination of big features and small price, iQ and Radius are ideal standalone consoles, but their built-in Ethernet switches enable quick connection to other studios or existing Axia networks; Simple Networking allows up to 4 consoles to be daisy-chained before an external Ethernet switch is needed.
Axia iQ console features include:
Optional backup power supply provides failsafe secondary power with automatic switching.
Optional, custom-matched Telos iQ6 phone system connects 6 POTS or ISDN BRI phone lines via single CAT-5 cable.
Radius is also full of features that broadcasters love:
Desktop-mounted - no countertop cutout needed
Field-convertible to rack-mount operation
Switchable VU/PPM LED bargraph meters
100mm. conductive plastic faders
Aircraft-quality switches with LED lighting
High-resolution OLED readouts on each fader strip.
Axia radio consoles are a hit, with installations in over 2,000 studios worldwide. Axia allows broadcasters to quickly and easily build audio networks using switched Ethernet to connect a few rooms, or an entire facility. Axia networks have a total system capacity of more than 10,000 audio streams, and can carry hundreds of digital stereo channels (plus machine logic and PAD) over a single CAT-6 cable, eliminating much of the cost normally associated with wiring labor and infrastructure.
# # #


text:
Looking for a service provider?
Get the protection of SuperGuarantee®
Vincentian Collaborative SYST8250 Babcock Blvd, Pittsburgh, PA 15237
Send flowers to a patient or a nurs...
(412) 630-9980 Additional Contacts
Vincentian Collaborative System a Catholic healthcare organization headquartered in the North Hills that coordinates the care of four nursing homes ? Vincentian Home, Vincentian Regency, Vincentian de Marillac and Marian Manor ? two child development centers and a rehabilitation company, all serving the greater Pittsburgh area. Vincentian Collaborative System coordinates a full range of quality programs for the aging that are compassionate, comprehensive, affordable, dignified, and strongly spiritual in nature. Combined, our nursing homes serve more than 600 residents including skilled and intermediate nursing care, assisted living, personal care, independent living, and comprehensive rehabilitation services including physical therapy, occupational therapy and speech therapy. Our child care programs serve more than 150 children. Our ministries are carried out by more than 900 employees and more than 400 active volunteers. We sustain countless community partnerships that ensure our programs serve to enrich the lives of all who are entrusted in our care. We seek to be a healing presence?dedicated to a respect for individual dignity and the value of human life. Our primary concern is to create a family-like setting?a loving, caring atmosphere?that promotes the physical, spiritual, psychological, and social well-being of each resident.


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Hattrick for Scouts
3:30pm Monday 24th March 2014 in News By Morwenna Blake
CUBS from the Bourne Valley have been showing their versatility by taking part in three District Cub competitions.
The youngsters battled it out in five-a-side football, swimming and chess.
And despite the competition the Bourn Valley teams were victorious in all three events.
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Hello, this is my first article and just gonna see how this goes. I haven't seen something like this on here before and thought it could be interesting to go into the short history of the team and see some of the notable things that have happened on each day.2011 - The Rays broke the record for most consecutive starts by a pitcher under the age of 30, previously held by the Washington Senators starting in 1913 and ending in 1917. It was a less than glorious start though, as James Shields was lit up by Oakland. Shields line on the day: 4IP/12H/10ER/2BB/2K/2HR
2001 - Fred McGriff and cash considerations were traded to the Chicago Cubs for Manny Aybar and a PTBNL (Jason Smith). Ayber never play in a major league game for the D-Rays and was released in the October of 01', while Jason Smith played in 27 games from 2002-2003, 1 game in 03'. During this time, Smith has a line of .225/.319/.544. Smith was released in the October of 03'.


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Kassian's counsel aired by Focus on the Family
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COLORADO SPRINGS, Colo. (BP) -- Fiercely independent, strong and brash are what many in the western world value in a woman, but Mary Kassian says young women should have a different take on femininity -- a gentle, quiet spirit.
Kassian, who was featured on Focus on the Family's national radio program Sept. 26-27, is author of "Girls Gone Wise in a World Gone Wild" and professor of women's studies at Southern Baptist Theological Seminary.
Appropriate clothing, interacting with men and romantic novels were among the topics on which Kassian conveyed counsel to young women and also to wives.
While many refer to Proverbs 31 for the biblical view of womanhood, Kassian pointed to an earlier chapter -- Proverbs 7 -- that provides a warning of exactly what not to be.
"[Proverbs 7] describes this wild thing as being loud and wayward," Kassian said on the broadcast. "In other words she's very demanding, very clamorous, very controlling. It's interesting to me because that is precisely what today's women are taught to be."
Kassian said what the Bible calls women to be is exactly the opposite: quiet and gentle. For each personality, however, she said a gentle spirit looks different, so naturally boisterous girls need not necessarily worry.
"The Bible's not going for this checklist of external behaviors, it's going for your heart," Kassian said. "Is your heart in a place where you're going, 'Look at me, look at me! I'm needing attention. I want all eyes on me. I want, I want, I want.'
"Or is your heart in a place of contentment and quietness and stillness before the Lord -- maybe laughing loudly, maybe being right in there in the conversation and offering your part into it, given your personality and your culture. But at the same time honoring those principles of who God created you to be as a woman."
While it is the heart that really matters, women should still check their external behaviors, especially when it comes to how they dress and show themselves to the world.
Kassian told a story about walking through the mall with her teenage son. While they were strolling past the many stores, a provocatively dressed girl passed them and gave her son "the look."
She noticed her son's eyes following the girl as she walked on, so Kassian asked what he thought about the young girl. After a pause, he gave a surprising answer: "It arouses the male in me, but it doesn't attract the man in me."
Fathers can play a part in preventing their daughters from dressing provocatively and presenting themselves poorly, Kassian said. Dads can give their daughters a hand up by affirming them when they make tasteful decisions about their clothes and confronting them when they don't.
"If you really want to know how to dress well, run it past your dad," she said. "And the sad part is that a lot of girls are growing up without dads, and they don't have those males in their lives that are able to affirm them as women in a non-sexual way and teach them how to interact in a way with men that is healthy and wholesome."
Kassian's advice wasn't just for girls, though. She warned married women of worldly snares as well.
She said women she meets at conferences stumble into emotional cheating without even realizing what is happening, especially if they are in a waning marriage.
"Women, they have stars in their eyes when they get married and then they hit marriage, and it's not as easy as they thought it might be," Kassian said. "And perhaps a co-worker at the office starts paying attention to them in a way that's very affirming and a way that meets some of those deep needs in her heart.... Before she knows it, she's emotionally attached, emotionally involved with him."
Wandering away from a marriage is something Kassian said is not immediate but is a slow process where boundaries keep getting crossed. Ultimately, she said marriages must be held together intentionally. That means not picking questionable magazines, not talking with girlfriends about certain things and not reading romance novels.
Kassian specifically talked about the bestseller "50 Shades of Grey," saying that women are getting caught up in unhealthy ideas about sex. While some women insist books like 50 Shades of Grey are merely a form of entertainment, she said it portrays a perverted portrait of sex.
"For women to justify this ... it tells me that they do not have a good healthy view of the Bible's view of sex or the holiness of sex.... Our sexual union as a couple is to reflect truths about the nature of the love relationship between Christ and the church."
Kassian said she knows that many women are not in the midst of a good love story, but she noted that they were made for a cosmic love story, which they can find in Scripture, not with enticements of this world.
To hear each of the Focus on the Family radio programs featuring Mary Kassian, go to http://ow.ly/e8qfF and http://ow.ly/e8qlk.
Whitney Jones is a writer based in Murray, Ky. Get Baptist Press headlines and breaking news on Twitter (@BaptistPress), Facebook (Facebook.com/BaptistPress) and in your email (baptistpress.com/SubscribeBP.asp).
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These ornaments are amazing. Thanks to www.scrapperscove.com for directing me here! I hope I have time to try them! Thanks for the opportunity to win, good luck all and Merry Christmas to those who celebrate it.
Welcome to Day 2 of Ranger's 12 Days of Ornaments! Today we have some decorated paper mache pieces to share with you. Susan Baldwin's Oval Box Ornament sings praises of Joy with: Tim Holtz Distress Ink in Antique Linen Tim Holtz Adirondack Alcohol Ink Metallic Mixative in Gold Tim Holtz Ad...
www.scrapperscove.com is getting lots more in, not affiliated just a happy customer.
hey bloggers, after the exciting launch last week of the new seasonal distress series, i have to say once again how overwhelmed and grateful i am for it all. i can't even begin to thank everyone so much for sharing in the excitement and creative chaos this launch stirred up. so i wanted to s...
Thanks for the opportunity and good luck to all. I'm looking forward to my breast biopsy being over and good Lord willing it's benign.
It's like ten at night, and i am just sitting down for the first time! well, aside from hours of meetings! Seems like it was just a whirl wind! But in a good way! I am really excited about a couple new opportunities! But it also means that I need to get my butt in gear! My kids don't get out nex...


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Katherine Evering-Rowe
Nickname: I don't have one… and I kind of like it that way!
Full name: Katherine Lucille Evering-Rowe
Position in the Jills: Alum Chick
Year and Major: 2011/ English, maybe Communications and Media Studies
Hometown: Silver Spring, MD, or Greensboro NC, or Wakefield, RI
Birthday: October 7
Jills Solos: "World on Fire"- Sarah McLachlan, "Baby Baby Baby"- Joss Stone, "Wintersong" – Ingrid Michelson and Sara Bareilles, "The Chain" – Ingrid Michaelson, "Lost in the World" – Kanye West
Audition Song: Shoot the Moon- Norah Jones
Favorite Jills song thus far: White Houses!
Hobbies: writing, reading, baking/cooking, exploring Boston on foot, unashamedly drinking more tea and coffee than anyone should.
Dream soloist to sing behind: John Mayer, though if I were "singing" behind him I would most likely just be staring at his god-like body with my mouth hanging open. (Yes, I went there.)
The Rez, Brown and Brew, or the Tower?: The Rez hands down- Half Mind, Body, and Soul, half French Vanilla. Makes my day!


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Mountain View County's authorities, boards and committees need you
Do you want to help make Mountain View County a better place? Then you may wish to join the dozens of County residents who spend time each year getting acquainted with the ABC's of Mountain View County by serving on authorities, boards and committees.
Mountain View County committees are composed of everyday citizens who are looking to make a difference in their communities. After having gained the knowledge and experience that comes with sitting on a County committee, it is quite common for committee members to take the next step and run for a seat on Council in a municipal election.
Code of Ethics for committee members
(Taken from Mountain View County Bylaw No. 10/07, as amended Committees of Council)
This code of conduct is to ensure that Committee Members act honestly, in good faith and in the best interests of Mountain View County.
a) Members agree to respect the personal view of other Members and the decisions of the Committee.
b) Members agree that they may publicly express their own opinions on Committee matters but not so as to undermine the standing of the County or the Committee.
c) Members appointed as Chair agree to always represent the opinion or position of the Committee when speaking publicly.
d) Members agree that they will incur expenditures in a responsible manner.
e) Members agree to avoid situations where a conflict of interest would apply.
f) Members agree to act with integrity and respect when interacting with Council, Committee, staff and members of the public.
g) Members agree to demonstrate fairness in all dealings and conduct and be open with and accountable to Council at all times.
h) Members agree to conduct themselves in a manner that they would be prepared to acknowledge to other Members and members of Council and the Mountain View County community.
(added Bylaw 33/08, January 7/09)
Application of the Code of Ethics for committee members
(Taken from Mountain View County Bylaw No. 10/07, as amended Committees of Council)
1401. Respect for other Member's personal views
a) Informed decision making is derived from healthy debate through exchange of views by Members in the appropriate forum.
b) Whilst Members will sometimes disagree with the view of their colleagues, good decision making will be enhanced if those views can be heard and considered.
c) All Members are given an opportunity to respond to the view of others through the Chair; those responses should be made in a well spirited and responsible manner so as to promote healthy debate and ultimately lead to good decision making.
d) Members should feel confident to be able to express their views in the meeting without unnecessary interruption.
(added Bylaw 33/08, January 7/09)
1402. Respect for Committee decisions
a) Committee decisions result from a majority of Members voting in a particular way. Not all decisions are unanimous and Members recognize that individual Members are entitled to their own opinions.
b) Unless subsequently revoked or amended, a decision of the Committee is final.
c) Without compromising the rights of individual members to maintain opposition to a Committee decision, those Members must both accept and respect the decision made by the majority of their fellow Members through the democratic voting process.
d) Whilst it is acceptable for an individual Member to publicly state that they did not vote in line with the majority of the Committee colleagues, this must always be don in a manner that is respectful to the Committee decision.
(added Bylaw 33/08, January 7/09)
1403. Public comment
a) Whilst Members are entitled to express their own opinions on Committee matters, this should be done with open acknowledgement of and respect for any Council or Committee decision that does not support a Member's view point.
(added Bylaw 33/08, January 7/09)
Community Calendar At A Glance
Bearberry 75th Anniversary Weekend
September 6


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Much needed rain fell across central Texas on Sunday, but it wasn't enough to help area lakes out. Businesses on Lake Travis say they're having to make adjustments as water levels continue to drop to near record lows.
Pete Clark, owner of Just for Fun Water Craft Rentals, says he's had to cut back staff and the amount of boats he rents out because fewer people are coming to the lake for recreation.
"We're still staying busy, but it's all relative. if we had 30 more feet of water in the lake, it would be twice as busy," said Clark.
LCRA reports indicate Lake Travis is nearly 43' below normal elevation levels as of Sunday. Clark says in 26 years, he'd never predicted he would see levels like they are now.
Clark says while the lake is low, there's still plenty of water for recreation. He just urges that lake goers take precautions as the receding waters have revealed objects such as stumps and sand bars.
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by Winston Chua
ARCADIA - Loving the Silent Tears, an organization based out of Arcadia on Foothill Boulevard, is putting on their eponymous musical on October 27 at 4 p.m. at the Shrine auditorium starring acclaimed performers Jody Watley, Jon Secada and a host of talented artists.
"This is a once-in-a-lifetime event," said Grammy Award winner Jody Watley, who sat down with the Tribune wearing her famous jumbo jumbo hoop earrings, to share about why Southern Californians should check out the show. "You won't get to see such an international and esteemed cast like this anywhere with this collection of Grammy and Tony Award nominees and winners."
Loving the Silent Tears, the musical, is inspired by the work of Supreme Master Ching Hai, whose inspirational poetry will be set to music. Hai has gone out throughout the world promoting clean energy and healthy living.
"Her poetry is uplifting and there are deep layers to it. She is not absent to the despair we all face as people from time to time," Watley added.
Watley, an accomplished songwriter herself, along with her accolades in parenting, modeling, production, fashion, charity and vocals, is the proud mother of two young adults. Her son is in New York and her daughter is completing her master's degree.
Watley has some upcoming projects people should be on the lookout for. In 2013, she will be both releasing a new album (her 10th) and participating in the first-ever Soul Train Cruise, honoring the memory of Don Cornelius. She is also continuing to conduct seminars on beauty and wellness.
Humble as can be, in spite of her accomplishments, Watley has kept a level head throughout her career, keeping insightful perspective on life through her varied experiences: her immediate family growing up experienced both material wealth but also a stint of homelessness.
Growing up, Watley was influenced musically by the Motown sound, Philly International and jazz, and has an eclectic taste that isn't afraid to park itself far away from what's popular on mainstream radio.
Watley, a self-proclaimed lover of life and the universe, also has her sights set on completing a novel in the near future.
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Jody, I am really looking forward to seeing you in Loving the Silent Tears Musical on October 27. You speak and sing from the heart, and I can't wait to see you onstage at the Shrine!


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NY comptroller reports IDA job gains
ALBANY — The state comptroller says New York's industrial development agencies supported almost 4,500 projects in 2011, providing $560 million in net tax exemptions while helping add an estimated 36,000 jobs.
Comptroller Thomas DiNapoli says IDAs have improved data reporting but should more objectively measure tax incentives against economic benefits.
His report found 113 active IDAs provided $1.5 billion in total tax exemptions in 2011, with local property taxes accounting for $680 million and school property tax breaks $439 million.
Exemptions were offset by $917 million of payments-in-lieu of taxes.
In 2011, IDA projects reported 701,169 full-time equivalent positions altogether.
That shows an increase of almost 218,000 jobs over the life of the projects, at an average cost of $2,575 per job gained.
That's up from up from about 182,000 jobs gained by 2010.


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Horses to be removed from Mardyke Valley with immediate effect (From Thurrock Gazette)
Get involved: send your pictures, video, news and views by texting TGNEWS to 80360 or you can email us Click here for details »
Horses to be removed from Mardyke Valley with immediate effect
Updated 4:00pm Friday 10th January 2014 in News
ANIMAL grazing on the Mardyke Valley is to be stopped during the winter months with immediate effect, it has been announced today.
A meeting between Thurrock Council and the tenant of the land agreed no grazing will take place between November and March.
The horses currently on the site will be removed and relocated as soon as a suitable alternative location has been found. Campaigners have been urging the council to move the horses for months.
The animals have been left on the land, a flood plain, despite the worsening conditions with the recent bad weather.
A council spokesperson said: "Checks have been carried out on each horse currently grazing on the Mardyke Valley and each of them has an appropriate passport.
"The RSPCA have confirmed that there are no immediate significant welfare issues for the horses and have given welfare advice to the owners where appropriate."
Councillor Angie Gaywood, in charge of public protection at the council, said: "The council and RSPCA are working together to make sure there are no animal welfare issues and I am pleased that the owner is working with us to ensure the situation is resolved as quickly as possible."
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7:20pm Fri 10 Jan 14
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5:49pm Sat 11 Jan 14
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Speaks for itself, the public have spoken !!!!
Comments are closed on this article.


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Anyone who has been paying attention to debates about the future of the Boy Scouts of America knows that, when it comes to issues linked to homosexuality, there is no one "religious" perspective that journalists need to cover. Even within individual religious traditions — such as the Church of Jesus Christ of Latter-day Saints, or the Roman Catholic Church — there are people who read the same texts and come to slightly different, or glaringly different, conclusions.
On the Christian left, for example, there is no one pro-gay theology.
On the Christian right, there is no one monolithic camp that opposes homosexuality to the same degree or for the same reasons.
It helps to see some of this written out in clear English. Thus, for a decade-plus I have recommended a helpful, and rigorously balanced, book by a gay evangelical writer, the Rev. Larry Holben, who is now an Episcopal priest. It's called "What Christians Think about Homosexuality: Six Representative Viewpoints." For a quick summary, in the form of two Scripps Howard News Service columns from 2000, click here and then over here.
But I raise this subject for the following reason. The other day, the oh-so-edgy Style folks at The Washington Post served up several thousand words worth of public-relations-grade material about a recent "LGBTQ Muslim and Partners Retreat." This is one of those giant, unavoidable features that is supposed to slap humble readers in the face, starting with the photography and, of course, the symbolic details at the very start:
There was speed dating, a talent show and a baby naming.
But there was also a locked Facebook page. And a strict rule: Attendees should not disclose the retreat's exact location.
That's because the 85 people who gathered in the Pennsylvania woods over Memorial Day weekend had come from 19 states and three countries for a somewhat surprising event: a three-day LGBTQ Muslim and Partners Retreat.
Some wore T-shirts that read, "Muslim + Gay = Fabulous." They prayed. They attended workshops about pioneering progressive Muslims. Ever heard of Isabelle Eberhardt, a.k.a. Mahmoud Saadi, a convert to Islam who challenged gender norms at the turn of the 20th century? And they held discussions on struggling to reconcile their faith with their sexuality, and their sexuality with their faith. (Many folks said that they face Islamophobia from inside the mainstream LGBTQ community.)
Having covered a few off-the-record events myself over the years, I think it would have been best if the Post team members had done what my editors always asked me to do under those conditions — which is to clearly state the precise conditions under which a reporter was allowed into this secret gathering. In this case, all readers were told is this:
This was the third such retreat, and it was sponsored this year by the Muslim Alliance for Sexual and Gender Diversity, founded in January to address the needs of LGBTQ Muslims. Another sponsor was Muslims for Progressive Values, a Los Angeles-based group formed in 2007 that parallels, to some extent, Unitarian Universalism and Judaism's reform movement, and which has nine chapters across the country and abroad.
The Washington Post was invited to attend — the first media organization to be given access.
So were some sessions off limits? Were certain participants pre-selected by the organizers to talk to the Post? Did some representatives of the newspaper take part in the conference, as well as cover it? Was the Post, in effect, (I'm thinking about the degree to which The Baltimore Sun has all but cooperated in Womenpriests rites) a participating organization in the event?
The article also makes it very clear that the version of Islam featured in this event is quite different than traditional forms of the faith.


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I really love hearing from readers who get a tip from Queen Bee and put it into action! Today Dana went to Target to scope out toys 70% off. She spent $127.50 (tax not included) for $426 worth of toys (see picture above)! Total savings of $298.51! Way to go, Dana!
Did anyone else go to Target today? I'd love to hear about your shopping trips and even better – I'd LOVE a photo to share here on the site.


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Home > Cookshop > Premium Cookware > Imperial Blue Ceramic 2pc Ramekin/Souffle
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Molino Mola - The Supreme Court Decision On The Fifth Chamber Was Political
Thursday, June 21 2012 @ 11:32 AM EDT
Contributed by: Don Winner
Views: 915
He argued if President Martinelli repeals the law which created the Fifth Chamber, as was done by the former president Mireya Moscoso, then it will also be declared unconstitutional, and the Fifth Chamber will be revived again. He said the appointment of judges to the Fifth Chamber were never perfected because they must be approved by the National Assembly, so the President should revoke this decision.
"I think if the Assembly can create a new Chamber through a law, then they can remove one with a law," he told RPC Radio. He thinks what the country needs is a Constitutional Court and an Evaluation Commission to to tell the president what magistrates he can name.
During the administration of the former president Mireya Moscoso the National Assembly passed Law 49 which repealed Law 32, which created the Fifth Chamber.
Editor's Comment: The solution here is obvious. In any democracy the fundamental issues such as the formation of the Supreme Court, how many justices are on that court, and how those justices are appointed and approved should be enshrined in the Constitution. Could you imagine the US Congress passing a law to expand the US Supreme Court to twelve justices? It should be a ludicrous concept, but the problem stems from one simple fact. This entire idea was created by a power hungry egotistical PRD politician - Ernesto "El Toro" Perez Balladares. He tried everything possible to remain in power, although he was only elected with 33% of the vote. (Second place Moscoso with 29%, third place Ruben Blades with 17%, fourth place Rub�n Dario Carles with 16%, fifth place Eduardo Vallarino with 2%, and there were two other "also ran" candidates.) Balladares forced a national referendum in order to try to allow for his reelection - and unsurprisingly he lost by a margin of 2 to 1. Then they tried this "Fifth Chamber" idea in a "too little, too late" attempt to steal it through the back door. As soon as Mireya Moscoso won the election in 1999 they passed Law 49 which repealed Law 32, and took the idea of the Fifth Chamber back out of play. But then in 2010 the Supreme Court decided that Mireya Moscoso's law 49 was unconstitutional, which meant Law 32 was once again valid, and the Fifth Chamber came back to life. Martinelli simply could not resist the big, fat, dripping temptation of another expansion of power, so he went for it, and that was a mistake. He's been struggling on the twin horns of a dilemma ever since. He want's it, and it's right there, but he just can't get there while also ensuring a CD win in 2014. In my opinion they should stop screwing around with this - it was a bad idea in the first place and it's a bad idea now - and if there's a need to expand the Supreme Court then it should be done through a modification to the Constitution. Hey, here's an idea. Martinelli can go back to just leaving the Fifth Chamber sitting there like it is now, and basically ignore it. Then wait to see what happens in the May 2014 general elections. If the CD wins, then fine and no problem, because by 2019 they will have appointed all nine justices on the Supreme Court. But if the CD loses then Martinelli can appoint the three Fifth Chamber justices as a lame duck president, flip it to the National Assembly, flip the nation the bird, and hop on his private jet for Italy. Man, would that be "loco" enough for 'ya? I love this scenario. What fun. This place would go crazy...


text: Tyler Hansen Graduation year: 2016 Hometown: Stevens Point, WI Major: Business/Economics Position on SG: Sophomore Class VP Why SG? To learn more about how the College works and how I can help About Me: I grew up in Stevens Point, Wisconsin with my parents and my older sister, Jana. I came to Wheaton because a good friend of mine loved it here, and so do I. I plan on either attending seminary or working with developmental economics in Latin America after graduation. Between a passion for waterskiing, Latin American street food, and the Green Bay Packers, I guess you could say that I'm just a good old fashioned all-American cowboy. Why you chose Wheaton? The people, the food, and the location What would you like to see happen as a result of being on Student Government this year? Continue the good work of learning and growing in Christ as sophomores that began last year. When you're not studying or working on projects, where can we find you on campus? Traber 5, the floor where legends are made, or enjoying a three hour SAGA dinner with Josh Falk, Will Elderedge, or Jordan Varberg. Describe Wheaton in three words: Fun, funner, and funnest Favorite Wheatonism: "Who's up for a Los run?" Most memorable experience at Wheaton: After Octemberfest last year we kidnapped the freshman class President, Wyatt Harms. 10 months later, our friendship is stronger than ever! What makes Wheaton unique? There are lots of things, but I would say the top two are an incredible Res Life program and professors that truly care about their students. Favorite CU or campus event: ROLLER DISCO!!!!! How has the Wheaton Community impacted you? Dr. Jerry Root in particular has encouraged me greatly in my faith and has instilled a passion for evangelism in me.


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3. S. Britten, et al. (1996) Needle Thoracocentesis in Tension Pneumothorax: Insufficient Cannula Length and Potential Failure. Injury: International Journal of the Care of the Injured; Vol. 27, No. 5


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Amateur Photographer 2 Feburary 2013
On sale: Tuesday, 29 January 2013
Buy a digital copy of this issue | Buy a print version of this magazine
Nikon reveals S1 and J3 system cameras; Pentax goes retro with MX-1; Fujifilm launches FinePix SL1000 with 50x zoom lens; Canon unveils three budget-priced PowerShot compacts
The latest books, exhibitions and websites
The Final Frame
When Tony Kemplen resolved to use a different film camera each week, he discovered a treasure trove of lost gems. This week he looks at the Ilford Advocate
Photo Insight
David Ward talks about one of his most unusual graphic shots and how several elements coming together ensured that he achieved the desired effect
Retoucher's Guide
Martin Evening explains how to customise perspective correction using the new Adaptive Wide Angle filter in Photoshop CS6
AP Expert Guide to... X-ray Film
In part three of his series on alternative processes, Andrew Sanderson looks at X-ray film - an unusual substitute for conventional film
PNY Professional Memory Card Case and Peak Design Leash Camera Strap
How to Achieve Hypersharpness
Professor Bob Newman explains the science behind a systematic method for achieving the best possible levels of sharpness in an image
Ask AP
Our experts answer your questions
Elinchrom D-Lite RX One Softbox Set
Andrew Sydenham tests an entry-level twin head and softbox kit from Elinchrom that is both stylish and small enough for the home studio
Canon Powershot S110
The Canon PowerShot S110 fits in the pocket, shoots raw images, has a fast lens with control ring, is Wi-Fi-enabled and has a touchscreen. Tim Coleman puts it to the test
AP readers speak out on the week's issues
AP reader Mick Bidewell on why the paparazzi are here to stay
APOY Round 1
We've Panasonic prizes worth almost £2,000 in the Portraits in Artificial Lighting round of our Amateur Photographer of the Year competition
Reader Spotlight
Another selection of superb reader images
Words of wisdom and constructive advice
Icons of Photography
John Swannell's classic, carefully crafted images have made him one of the major photographers of his generation. David Clark looks at his life and work
For details on how to purchase Back Issues of Amateur Photographer please go to www.amateurphotographer.co.uk/backissues