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Quotes & Info
|CSBQ > SEC Filings for CSBQ > Form 10-Q on 14-Nov-2013
|All Recent SEC Filings
Quarterly Report
Cornerstone is a bank holding company and the parent company of the Bank, a Tennessee banking corporation which operates primarily in and around Chattanooga, Tennessee. The Bank has five full-service banking offices located in Hamilton County, Tennessee, and one loan production office located in Dalton, Georgia. The Bank's business consists primarily of attracting deposits from the general public and, with these and other funds, originating real estate loans, consumer loans, business loans, and residential and commercial construction loans. The principal sources of income for the Bank are interest and fees collected on loans, fees collected on deposit accounts, and interest and dividends collected on other investments. The principal expenses of the Bank are interest paid on deposits, employee compensation and benefits, office expenses, and other overhead expenses.
The following is a discussion of Cornerstone's financial condition at September 30, 2013 and December 31, 2012 and our results of operations for the three and nine months ended September 30, 2013 and 2012. The purpose of this discussion is to focus on information about Cornerstone's financial condition and results of operations which is not otherwise apparent from the consolidated financial statements. The following discussion and analysis should be read along with Cornerstone's consolidated financial statements and the related notes included elsewhere herein.
Critical Accounting Policies
Cornerstone's accounting and reporting policies are in accordance with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. Our significant accounting policies are described in Note 1, Presentation of Financial Information to the consolidated financial statements and are integral to understanding the MD&A. Critical accounting policies include the initial adoption of an accounting policy that has a material impact on our financial presentation as well as accounting estimates reflected in our financial statements that require us to make estimates and assumptions about matters that were highly uncertain at the time. Disclosure about critical estimates is required if different estimates that Cornerstone reasonably could have used in the current period would have a material impact on the presentation of our financial condition, changes in financial condition or results of operations. The following is a description of our critical accounting policies.
Allowance for Loan Losses
The allowance for loan losses is established and maintained at levels management deems adequate to absorb credit losses inherent in the portfolio as of the balance sheet date. The allowance is increased through the provision for loan losses and reduced through loan charge-offs, net of recoveries. The level of the allowance is based on known and inherent risks in the portfolio, past loan loss experience, underlying estimated values of collateral securing loans, current economic conditions and other factors as well as the level of specific impairments associated with impaired loans. This process involves our analysis of complex internal and external variables and it requires that management exercise judgment to estimate an appropriate allowance.
Changes in the financial condition of individual borrowers, economic conditions or changes to our estimated risks could require us to significantly decrease or increase the level of the allowance. Such a change could materially impact Cornerstone's net income as a result of the change in the provision for loan losses. Refer to Notes 1 and 4 in the notes to Cornerstone's consolidated financial statements for a discussion of Cornerstone's methodology of establishing the allowance.
Estimates of Fair Value
Fair value is used on a recurring basis for certain assets and liabilities in which fair value is the primary basis of accounting. Cornerstone's available for sale securities and cash surrender value of life insurance are measured at fair value on a recurring basis. Additionally, fair value is used to measure certain assets and liabilities on a nonrecurring basis. Cornerstone uses fair value on a nonrecurring basis for foreclosed assets and collateral associated with impaired collateral-dependent loans. Fair value is also used in certain impairment valuations, including assessments of goodwill, other intangible assets and long-lived assets.
Fair value is the price that could be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Estimating fair value in accordance with applicable accounting guidance requires that Cornerstone make a number of significant judgments. Accounting guidance provides three levels of fair value. Level 1 fair value refers to observable market prices for identical assets or liabilities. Level 2 fair value refers to similar assets or liabilities with observable market data. Level 3 fair value refers to assets and liabilities where market prices are unavailable or impracticable to obtain for similar assets or liabilities. Level 3 valuations require modeling techniques, such as discounted cash flow analyses. These modeling techniques incorporate Cornerstone's assessments regarding assumptions that market participants would use in pricing the asset or the liability.
Changes in fair value could materially impact our financial results. Refer to Note 6, "Fair Value Disclosures," in the notes to Cornerstone's consolidated financial statements for a discussion of the methodology in calculating fair value.
Income Taxes
Cornerstone is subject to various taxing jurisdictions where Cornerstone conducts business. Cornerstone estimates income tax expense based on amounts expected to be owed to these jurisdictions. Cornerstone evaluates the reasonableness of our effective tax rate based on a current estimate of annual net income, tax credits, non-taxable income, non-deductible expenses and applicable statutory tax rates. The estimated income tax expense or benefit is reported in the consolidated statements of income.
The accrued tax liability or receivable represents the net estimated amount due or to be received from tax jurisdictions either currently or in the future and are reported in other liabilities or other assets, respectively, in Cornerstone's consolidated balance sheets. Cornerstone assesses the appropriate tax treatment of transactions and filing positions after considering statutes, regulations, judicial precedent and other pertinent information and maintains tax accruals consistent with management's evaluation. Changes in the estimate of accrued taxes occur periodically due to changes in tax rates, interpretations of tax laws, the status of examinations by tax authorities and newly enacted statutory, judicial and regulatory guidance that could impact the relative merits of tax positions. These changes, if or when they occur, could impact accrued taxes and future tax expense and could materially affect our financial results.
Cornerstone periodically evaluates uncertain tax positions and estimates the appropriate level of tax reserves related to each of these positions. Additionally, Cornerstone evaluates its deferred tax assets for possible valuation allowances based on the amounts expected to be realized. The evaluation of uncertain tax positions and deferred tax assets involves a high degree of judgment and subjectivity. Changes in the results of these evaluations could have a material impact on our financial results. Refer to Note 9, "Income Taxes," in the notes to Cornerstone's consolidated financial statements set forth in its Annual Report on Form 10-K for the year ended December 31, 2012 for more information.
Review of Financial Performance
As of September 30, 2013, Cornerstone had total consolidated assets of approximately $430 million, total loans of approximately $284 million, total securities of approximately $95 million, total deposits of approximately $341 million and stockholders' equity of approximately $40 million. Net income for the three and nine month periods ended September 30, 2013 totaled $428,548 and $1,276,707, respectively.
Results of Operations
Net income for the three months ended September 30, 2013 was $428,548 compared to a net income of $364,246 for the same period in 2012. Net income for the nine months ended September 30, 2013 was $1,276,707 compared to a net income of $1,031,348 for the same period in 2012.
The following table presents our results for the three and nine months ended September 30, 2013 compared to the three and nine months ended September 30, 2012 (amounts in thousands).
2013-2012 2013-2012 Three months Percent Dollar Nine months Percent Dollar ended September 30, Increase Amount ended September 30, Increase Amount 2013 2012 (Decrease) Change 2013 2012 (Decrease) Change Interest income $ 4,760 $ 4,735 0.53 % $ 25 $ 13,939 $ 14,178 (1.69 )% $ (239 ) Interest expense 869 1,172 (25.85 )% (303 ) 2,750 3,703 (25.74 )% (953 ) Net interest income before provision for loan loss 3,891 3,563 9.21 % 328 11,189 10,475 6.82 % 714 Provision for loan loss - 100 (100.00 )% (100 ) 300 100 200.00 % 200 Net interest income after provision for loan loss 3,891 3,463 12.36 % 428 10,889 10,375 4.95 % 514 Total noninterest income 270 258 4.65 % 12 1,323 778 70.05 % 545 Total noninterest expense 3,464 3,203 8.15 % 261 10,142 9,700 4.56 % 442 Income before income taxes 697 518 34.56 % 178 2,070 1,453 42.46 % 617 Provision for income taxes 268 154 74.03 % 114 793 422 87.91 % 371 Net income $ 429 $ 364 17.86 % 65 $ 1,277 $ 1,031 23.86 % 246
Net Interest Income-Net interest income represents the amount by which interest earned on various earning assets exceeds interest paid on deposits and other interest-bearing liabilities. Net interest income is also the most significant component of our earnings. For the three months ended September 30, 2013, net interest income before the provision for loan loss increased approximately $328 thousand or 9.21 percent over the same period of 2012. For the nine months ended September 30, 2013, net interest income before the provision for loan loss increased $714 thousand or 6.82 percent.
Cornerstone's interest rate spread on a tax equivalent basis (which is the difference between the average yield on earning assets and the average rate paid on interest-bearing liabilities) was 3.73 percent compared to 3.53 percent for the three month periods ended September 30, 2013 and 2012, respectively. The interest rate spread on a tax equivalent basis was 3.65 percent compared to 3.55 percent for the nine month periods ended September 30, 2013 and 2012, respectively.
The net interest margin on a tax equivalent basis was 3.89 percent and 3.70 percent for the three months ending September 30, 2013 and 2012, respectively. The net interest margin on a tax equivalent basis was 3.81 percent and 3.73 percent for the nine months ending September 30, 2013 and 2012, respectively.
Significant items related to the changes in net interest income, net interest yields and rates, and net interest margin are presented below:
[[Image Removed: *]] The Bank's net interest income before provision for loan loss as of September 30, 2013 has been positively impacted by a reduction in cost of funds. The cost of funds reduction was the result of a decrease in interest rates paid by the Bank and a change in the deposit mix with customers choosing to place deposits in transactional accounts rather than certificates of deposit. The Bank's cost of funds was approximately $869 thousand for the three months ended September 30, 2013 compared to $1.2 million during the same time period in 2012. [[Image Removed: *]] The Bank's loan portfolio yield decreased to 6.05 percent for the three months ended September 30, 2013 compared to 6.23 percent for the three months ended September 30, 2012. Management believes the interest rates on loans will continue to decrease as the Bank attempts to increase its outstanding loan balances in a very competitive market. If management is successful in increasing the amount of outstanding loans, the resulting change in asset mix would increase the Bank's total interest income.
[[Image Removed: *]] For the three month period ended September 30, 2013, the Bank's investment portfolio yielded 1.89 percent compared to 2.36 percent for the same time period in 2012. The decrease in the investment portfolio yield was due to the liquidation of approximately $5 million in municipal securities during the second quarter of 2013 combined with an increase in variable interest rate mortgage-backed securities. [[Image Removed: *]] The Bank's net interest margin for the three month period ending September 30, 2013 compared to September 30, 2012 increased by 19 basis points. The Bank was able to achieve this increase primarily due to the decreases in the total interest-bearing liabilities. Specifically, Cornerstone was able to reduce its Federal Home Loan Bank and borrowings cost from 4.19 percent for the three months ended September 30, 2012 to 3.90 percent for the three months ended September 30, 2013.
Provision for Loan Losses-The provision for loan losses represents a charge to earnings necessary to establish an allowance for loan losses that, in management's evaluation, should be adequate to provide coverage for the inherent losses on outstanding loans. Based upon management's evaluation, Cornerstone determined that its allowance for loan losses was adequate and therefore, did not record additional loan loss expense during the third quarter of 2013. For the year, Cornerstone has recorded $300,000 on provision for loan losses.
Noninterest Income-Items reported as noninterest income include service charges on checking accounts, insufficient funds charges, automated clearing house ("ACH") processing fees and the Bank's secondary mortgage department earnings. Increases in income derived from service charges and ACH fees are primarily a function of the Bank's growth while fees from the origination of mortgage loans will often reflect market conditions and fluctuate from period to period.
The following table presents the components of noninterest income for the three and nine months ended September 30, 2013 and 2012 (dollars in thousands):
2013-2012 2013-2012 Three months ended Percent Nine months ended Percent September 30, Increase September 30, Increase 2013 2012 (Decrease) 2013 2012 (Decrease) Service charges on deposit accounts $ 218 $ 197 10.66 % $ 608 $ 602 1.00 % Net gains on sale of securities - - - 425 - N/A Net gains on sale of loans and other assets 39 48 (18.75 )% 241 124 94.35 % Other noninterest income 13 13 0.00 % 49 52 (5.77 )% Total noninterest income $ 270 $ 258 4.25 % $ 1,323 $ 778 70.05 %
Significant matters relating to the changes in noninterest income are presented below:
[[Image Removed: *]] The Bank has maintained a consistent amount of noninterest income for the three months ended September 30, 2013 and September 30, 2012. The Bank has been able to increase its deposit account balances since September 30, 2012. The Bank has only experienced a slight increase in service charges during this time due to a significant reduction in overdraft fees. [[Image Removed: *]] The Bank realized a $425 thousand security gain on the liquidation of approximately $5 million in municipal bond securities during the second quarter of 2013. The security gain is the primary increase in noninterest income for the nine months ended September 30, 2013 compared to the nine months ended September 30, 2012.
Noninterest Expense-Items reported as noninterest expense include salaries and employee benefits, occupancy and equipment expense, depository insurance, net foreclosed assets expense and other operating expense.
The following table presents the components of noninterest expense for the three and nine months ended September30, 2013 and 2012 (dollars in thousands).
2013-2012 2013-2012 Three months ended Percent Nine months ended Percent September 30, Increase September 30, Increase 2013 2012 (Decrease) 2013 2012 (Decrease) Salaries and employee benefits $ 1,619 $ 1,566 3.38 % $ 4,839 $ 4,727 2.37 % Occupancy and equipment expense 334 355 (5.92 )% 1,011 1,038 (2.60 )% Foreclosed asset expense, net 382 314 21.66 % 1,309 945 38.52 % FDIC depository insurance 162 237 (31.65 )% 483 683 (29.28 )% Other operating expense 967 731 32.42 % 2,500 2,307 8.37 % Total noninterest expense $ 3,464 $ 3,203 8.18 % $ 10,142 $ 9,700 4.56 %
Significant matters relating to the changes to noninterest expense are presented below:
[[Image Removed: *]] Cornerstone's employee expense increased slightly when comparing both the three and nine months ended September 30, 2013 to September 30, 2012. The increase is primarily attributable to an increase in the Bank's employee performance incentive compensation accrual. Management has elected to maintain consistent salary levels as the Bank continues to improve its earnings. The incentive compensation is distributed to employees during the fourth quarter of each year if the Bank achieves certain annual performance goals. [[Image Removed: *]] As of September 30, 2013, the Bank had incurred approximately $1.3 million in foreclosed assets expense. The expense consists of asset write-downs based upon current appraisals, carrying cost and losses on the sale of foreclosed assets. Management, in its financial reporting, nets the foreclosed assets expense and write-downs against the revenue generated from income producing real estate. As of September 30, 2012, the Bank had incurred $945 thousand in foreclosed asset expense. The increase in expense when comparing September 30, 2013 to September 30, 2012 can be attributed, in part, to the liquidation of foreclosed assets during the third quarter of 2013. During this time period the Bank was able to reduce its foreclosed asset balance by approximately $3.9 million. [[Image Removed: *]] Depository insurance during the third quarter decreased from approximately $237 thousand as of September 30, 2012 to approximately $162 thousand as of September 30, 2013. Management anticipates the FDIC expense to reduce further as the Bank's regulatory status improves. [[Image Removed: *]] The Bank has experienced only slight increases its other operating cost when comparing the three and nine months ended September 30, 2013 to September 30, 2012. The ability to maintain these costs at consistent levels can be attributed to the Bank's employees as cost saving measures have been evaluated and implemented over the last three years.
Financial Condition
Overview-Cornerstone's consolidated assets totaled approximately $443 million as of December 31, 2012. As of September 30, 2013, total consolidated assets had decreased approximately $13.8 million or 3.1 percent to approximately $430 million.
Liabilities as of September 30, 2013 and December 31, 2012 totaled approximately $390 million and $403 million, respectively.
Stockholders' equity as of September 30, 2013 and December 31, 2012 totaled approximately $40 million and $41 million, respectively.
Securities-The Bank's investment portfolio, primarily consisting of Ginnie Mae agency, mortgage-backed securities and municipal securities, amounted to approximately $95 million as of September 30, 2013 compared to approximately $76 million as of December 31, 2012. The primary purposes of the Bank's investment portfolio are to provide liquidity, satisfy pledging requirements and collateralize the Bank's repurchase accounts.
Loans-The composition of loans at September 30, 2013 and at December 31, 2012 of each classification are summarized in the following table (dollars in thousands):
September 30, December 31, 2013 2012 Commercial real estate-mortgage: Owner-occupied $ 66,143 $ 58,425 All other 66,721 66,747 Consumer real estate-mortgage 69,911 71,195 Construction and land development 38,970 38,557 Commercial and industrial 39,782 40,140 Consumer and other 2,654 1,927 Total loans 284,181 276,991 Less: Allowance for loan losses (3,159 ) (6,141 ) Loans, net $ 281,022 $ 270,850
Allowance for Loan Losses-The allowance for loan losses represents Cornerstone's assessment of the risks associated with extending credit and its evaluation of the quality of the loan portfolio. Management analyzes the loan portfolio, quarterly, to determine the adequacy of the allowance for loan losses and the appropriate provisions required to maintain a level considered adequate to absorb anticipated loan losses. The Bank uses a risk based approach to calculate the appropriate loan loss allowance in accordance with guidance issued by the Federal Financial Institutions Examination Council. Although the Bank performs prudent credit underwriting, no assurances can be given that adverse economic circumstances will not result in increased losses in the loan portfolio and require greater provisions for possible loan losses in the future.
[[Image Removed: *]] During the third quarter of 2013, the Bank did not record a provision expense to the loan loss allowance. Management believes that it has established an allowance for loan losses that adequately accounts for the Bank's identified loan impairment. However, additional provision to the loan loss allowance may be needed in future quarters as the Bank works its problem assets through the collection cycle.
The following is a summary of changes in the allowance for loan losses for the nine months ended September 30, 2013 and for the year ended December 31, 2012 and the ratio of the allowance for loan losses to total loans as of the end of each period (amounts in thousands):
September 30, December 31, 2013 2012 Balance, beginning of period $ 6,141 $ 7,400 Loans charged-off (4,460 ) (2,869 ) Recoveries of loans previously charged-off 1,178 1,180 Provision for loan losses 300 430 Balance, end of period $ 3,159 $ 6,141 Total loans $ 284,181 $ 276,991 Ratio of allowance for loan losses to loans outstanding at the end of the period 1.11 % 2.22 % Ratio of net charge-offs to total loans outstanding for the period 1.15 % 0.61 %
Non-Performing Assets-The specific economic and credit risks associated with the Bank's loan portfolio include, but are not limited to, a general downturn in the economy which could affect employment rates in our market area, general real estate market deterioration, interest rate fluctuations, deteriorated or non-existent collateral, title defects, inaccurate appraisals, financial deterioration of borrowers, fraud, and violation of laws and regulations.
The Bank attempts to reduce these economic and credit risks by adherence to a lending policy approved by the Bank's board of directors. The Bank's lending policy establishes loan to value limits, collateral perfection, credit underwriting criteria and other acceptable lending standards. The Bank classifies loans that are ninety (90) days past due and still accruing interest, renegotiated loans, non-accrual loans, foreclosures and repossessed property as non-performing assets. The Bank's policy is to categorize a loan on non-accrual status when payment of principal or interest is contractually ninety (90) or more days past due. At the time the loan is categorized as non-accrual the interest previously accrued but not collected may be reversed and charged against current earnings.
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Clear Coat Paint – A shine may be more than you think
You parked your car at the super market, and someone's abandoned trolley just happened to scratch your car, but what makes it worse is that unfortunately it was not a small scratch but a very prominent one on your fender. These unfortunate events do happen to take place. Just by applying simple paint coat will not do the work after all it is a black range rover with a clear coat paint touch. So now, your mechanic is going to have to take a day longer so he can put the shine to the scratch.
Sometimes we're all only focused on adding some unique automotive parts or another accessories to improve our car looks. What car owners do not know or pay attention is that clear coat paint for cars is actually as important as the paint that hides your scratch. All of do remember the cars of the 90's and 80's they seemed attractive back then but nothing appealing now to one's eyes. It is mainly due to the difference of the car paint. Back in the good old day's car painters believed that more paint was better. That means a good chunk of paint eventually turn into thick lacquer. However, not car manufactures believe in clear coat paint due to a number of reasons. A clear coat can create an appeal to appeara
nce, there is more durability, easy to repair and there is reduction of pollution. All in your entire car sparkles due to a small coat of clear paint.
Ever seen shows like "pimp my ride" or any other television shows that show hot rods with paint jobs you cannot
take your eyes of? People have now grown fond of designing their cars with groovy patterns. Flames, stripes, and well some have imaginations beyond the limit. We like to call such cars, as art cars. There is a lot of hard work painting your car to give an artsy look. There are combinations of colours and designs that create the unique look to an art car. It has become a well-known fashion, and has surprisingly been found to be appreciated; after all won't you look twice at a car that has wings drawn on the side of the car?
Though art cars take a lot of time and effort to construct a paint job, you must not forget that even with so many colours, there is the need for a clear coat for an art car. A clear coat is exactly what creates the shine and enhances the appeal of the car. Without a clear coat paint, your car would have a very mat and dull look to it, but with a clear coat, your car gets the gloss it needs.
Evert time you are at the paint shop getting your fender or bumper painted, do not whine because of the time it takes. In the end you do want your car to shine like it used to before and the process of clear coat paint is that one final touch that helps make your car look as brand new as it did once before.

subset: commoncrawl


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Hickory Printing Solutions Achieves G7 Master Qualified Printer Status At Both Locations
CONOVER, N.C., Jan. 31, 2012 /PRNewswire/ -- Hickory Printing Solutions, a Consolidated Graphics, Inc. company (NYSE:CGX) and full service print provider, announced today it has achieved G7 Master Qualified Printer status at both Hickory locations in Conover and Greensboro, NC, through IDEAlliance, the nonprofit industry organization that develops, educates, and validates best practices in publishing and information technology. Hickory Printing Solutions' G7 Master Qualified Printer designation highlights the company's commitment to quality, consistency and color management.
"Our focus is on providing a high level of quality and expanding our extensive production capabilities to constantly meet the evolving needs of our customers. Acquiring G7 Master Qualified Printer status at both of our facilities reinforces this promise," said Stephen Patton, President of Hickory Printing Solutions. "Having certification at both locations confirms that we are taking the steps necessary to verify color consistency across all presses, giving us a flexibility that makes our clients' lives easier."
Hickory Printing Solutions has been trained to utilize the new G7 methodology and can produce a press sheet to GRACoL (General Requirements for Applications in Commercial Offset Lithography) targets within acceptable tolerances. By achieving the status of a G7 Master Qualified Printer, Hickory Printing Solutions can reliably produce high quality printing with a close visual appearance from proof to press, as well as from press to press. As a G7 Master Qualified Printer, the company will go through a yearly requalification audit to ensure it maintains IDEAlliance calibration and process standards.Including Hickory Printing Solutions, 59 Consolidated Graphics companies hold the G7 Master Qualified Printer Status, giving the company the distinction of having the most G7 qualified printers in the world. About Hickory Printing Solutions Hickory Printing Solutions, a Consolidated Graphics, Inc. company, is a full service print provider. With roots dating back to 1917, Hickory has since increased its product capabilities and expanded its operations to two locations in Conover and Greensboro. Hickory provides value to clients' diverse printing, packaging and fulfillment needs with specialty capabilities such as sheetfed printing, web offset printing, fulfillment and mailing services diecutting, folding and gluing. For more information, visit www.hickoryprinting.com. About Consolidated Graphics Consolidated Graphics, Inc. (CGX), headquartered in Houston, TX, is one of North America's leading general commercial printing companies. With 70 printing businesses strategically located across 27 states, Toronto and Prague, and a presence in Asia, CGX offers an unmatched geographic footprint, unsurpassed capabilities, and unparalleled levels of convenience, efficiency and service. With locations in or near virtually every major U.S. market, CGX provides service and responsiveness of a local printer enhanced by the economic, geographic and technological advantages of a large national organization. Consolidated Graphics' vast and technologically advanced sheetfed and web printing capabilities are complemented by the world's largest integrated digital footprint. By coupling North America's most comprehensive printing capabilities with strategically located fulfillment centers and industry-leading technology, CGX delivers end-to-end print production and management solutions that are based on the needs of our customers to improve their results. For more information, visit www.cgx.com. SOURCE Consolidated Graphics, Inc.
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No, it did exactly what you asked it to do. Not it's fault if you didn't think things through.
If you use -I with the rm command, the system only asks you once.
CAM (1st December 2012)
Well, there are many ways to hose Linux -- as root.
But if you routinely run things as root, you deserve what you will eventually get. You're basically saying "Yes, I know the gun is loaded, but I want to muck about with it anyway just to see what happens."
That's why sudo was invented. If you have to sudo the command, you'd best understand what you are doing.
If you are operating as a standard user on a well-managed system (i.e. one with quotas, limits, etc), there's little you can do to screw up anyone save yourself.
As root ? You can delete the entire file system, destroy the volume manager information, reformat hard-drives, just about anything.
My favorite way to hose a Linux system is this: Doom
Original Doom on Linux modified to attach the process ID to each monster. Kill the monster, kill the process. Walk into a crowded room with the BFG-9000 and let it rip.
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Coconut Desserts: 17 Recipes for a Taste of the Tropics
Coconut has the wonderful quality of conjuring sandy beaches through your palate. Use this to your advantage this winter for a easy break from the bleak weather, even if you can't afford a trip. Whether you like coconut sprinkled judiciously or center stage, there's a dessert here that will fit the bill.
Had enough of sweets this season? The exotic and nutty flavor of coconut goes well in sweet and savory dishes and spicy curries, too.
Coconut Chiffon Bundt Cake with Coconut Frosting
Homespun American desserts like Bundt cake don't have to be ho-hum. Infuse your from-scratch creations with exotic flavors like coconut to liven up meals on even the darkest of days.
Recipe: Coconut Chiffon Bundt Cake with Coconut Frosting


text: Didn't book your Spring Break travel yet? You're not alone. In the New York area moms have been exhausted by a winter of Hurricane Sandy, snow storms, and, well, our children. This morning I shared some great ideas for affordable get aways on WCBS-NY's "Live from The Couch" this morning. If you missed the segment, or are looking for the links I referenced on air, all of the information is here! Too lazy to read? I get it, watch the video. Washington, D.C. Just […] Continue reading →


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Welcome to the Mark Bolos Ministries website.
For information about Mark, check out his bio, video and audio clips, the calendar listing all upcoming appearances, as well as current and past Mark Bolos news.
Like what you hear? Mark's store has "Retrospect," "Worthy," "Fragrant Offering 2014," as well as other MBM merchandise for purchase.
Mark and the band are proud supporters of the New Hope Children's Home, a missionary outreach to orphaned and abandoned children in Arequipa, Peru. Offerings and honorariums received by MBM go directly to assist the missionaries in providing food, clothing, and shelter for the many children who have no means to care for themselves.
To learn more about the New Hope Children's Home, check out the New Hope Children's Home page, or simply go to www.peruhope.org.
Thanks for visiting!!


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Project Gallery
All About Us
Our Kitchen and Bath Showcase
Online Blog
latest blog entry
describes our latest project, which involves the renovation of a red iron
shop structure into a 1,400 SQF 3 bedroom custom home with tiled tub
surrounds, heat via European radiators and a gas fired boiler, custom
cabinetry and vaulted ceilings.
we recently featured photos of
a home we just completed building in Sagle. The home is a beautiful
custom home with radiant floor heating, oak flooring and tile throughout and
one of the best tile showers we have had the privilege to build.
Finally, we have just
added a new video in our Garage/Shop
Gallery of the challenges of incorporating an existing root cellar into
a new construction garage/apartment building.
Scott Herndon Homes has
been serving North Idaho in the Sandpoint area since 2005. We are a quality
design and build company. Your satisfaction is our priority. Please
see what our clients have to say about us!
Watch this video to meet Scott
Herndon and find out some of the features of this web site:
What Makes Us
We care about quality, and we study to know what quality is, and we can
explain it to you. We also care about you, your expectations and your
budget, and we strive to communicate well with you and to help you meet your
goals in the construction of your project.
We have
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We get dedicated to every aspect of your new construction, remodel,
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We use the
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Since our own
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from indoor air quality to the integrity of your mechanical and engineering
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Standards plus industry standards and manufacturer recommendations.
Our lead
contractor, Scott Herndon, has a bachelor's degree in Finance from Arizona
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Phone (208) 610-2680
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New Construction: Single and multi-family home construction.
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The Saracen's Head is featured in Charles Dickens 'The Pickwick Papers'. The same friendly atmosphere is still in evidence today, allied with modern standards of comfort. The resident's lounge and the lounge bar are both ideal meeting places in which to enjoy a glass of wine or real ale. Delicious bar meals are served in the lounge bar. The Victorian style restaurant offers well-cooked dishes using fresh, local produce. Complementing the food is an extensive wine list. There are 21 en-suite bedrooms and function suites for up to 100 guests.
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The Guest Stars of
by Wild Willie Westwood
Latino Endowment Council members
Make Your Own Video cashier, Police Officers
The five members of the Latino Endowment Council look on as the kids in class give their oral reports on the Latino experience in the U.S. Kyle is sure he has the best report until Cartman begins with his ventriloquism. The cashier makes a tape of "Jeniifer Lopez" singing about taco-flavored kisses, at Cartman's request, and decides to send a copy of it to a friend in Los Angeles who is in the music industry. The police come to arrest the real Jennifer Lopez after they get a report of a woman wielding a chainsaw and chasing after a boy. They mistake Jennifer Lopez for an undocumented worker, demanding that she drop her weapon and arresting her after the BHI Records people ask them to, since Jennifer attempted to kill their new artiest.
BHI President and Aides, Jennifer Lopez and Ben Affleck
The president of BHI Records and his aides get wind of a new singer living in South Park and decide to hire her after viewing her video. Her name is Jennifer Lopez, so, in order to avoid confusion, they fire the original Jennifer Lopez. She leaves and gets into her limo, where Ben Affleck waits, and demands that the driver take her to South Park. Once there, she searches for this other Jennifer Lopez. Butters notices Jennifer and Ben getting out of the limo in front of the school, and once Mr. Garrison sees them, the class heads outside. The school soon follows, and Ms. Lopez demands that the impostor come out. When no one speaks she decides to just give a warning and leave. Once out of view, "Jennifer Lopez" tells Jennifer Lopez to suck her ass. Jennifer returns demanding to know who said that, and all the kids back away from Cartman. Jennifer beats up Cartman's hand. Ben Affleck soon walks up to be at Jennifer's side, but is smitten by the new "Jennifer Lopez." The BHI Records people continue with their new Jennifer Lopez, laying down tracks for her album, while Ben begins a torrid affair with her. Undercover pictures lead to a National Inquisition cover story with a picture of Ben and "Jennifer" on the front cover. Jennifer returns to whack this new "Jennifer," and Cartman ends up in hospital with two dislocated fingers and a hairline fracture in one of the bones in the palm. After Cartman's hand recovers, he wakes up in bed one morning to find Ben Affleck next to him and Ben's spooge in his left hand. Ben and "Jennifer" had made love all night long while Cartman was asleep and now they were planning to marry. Cartman talks to Stan and Kyle about this, but they still don't believe his story. Cartman leaves, only to find himself chased by Ben (who wants to marry "Jennifer"), the BHI Records people (who want "Jennifer" back in studio for more recordings), and Jennifer (who wants to kill "Jennifer" for wanting to marry Ben). Stan, Kyle, and Kenny are at the doorway to see this happen and try to keep up. Cartman arrives at a bridge only to find a police car coming at him from the other end. Jennifer is still chasing him with a chainsaw, but the police demand that she put the weapon down. Jennifer is arrested and taken away. Once "Jennifer" reveals herself to be "Mitch Connor" and leaves in a gust of wind, Ben and the BHI Records people leave. Jennifer is last seen working at a La Taco restaurant.
"Jennifer Lopez", a fan in a dream concert, and "Mitch Connor"
Cartman creates "Jennifer Lopez" as part of his presentation during Cultural Diversity week in South Park, but continues with it after he wins the $20 gift certificate. "Jennifer" takes on a life of her own after making the "taco-flavored kisses" video at the video-making store. She gets a call from BHI Records asking her to write and sing enough songs to make an album, and she takes to it with gusto. She gets Cartman in trouble by talking back to Jennifer Lopez in front of the school building and somehow manages to take Ben Affleck away from her. "Jennifer" does things to Ben that a normal hand wouldn't do, and Ben proposes to her. "Jennifer" even has dreams of becoming rich and famous. Part of that dream involves the fan shown above, just one of many proclaiming they love "Jennifer Lopez." Once Jennifer Lopez is arrrested and Ben and the BHI Records people fight over "Jennifer", she reveals that she is actually "Mitch Connor," a con man who realized he's ruined a woman's career, cost a record company millions, inconvenienced a young boy and led Ben Affleck on. He leads Cartman to one side of a bridge, and leaves his hand in a gust of wind.


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Team of Computer Science Students Claim Victory at Supercomputing Challenge
Submitted by CNS on Nov 20, 2012 11:19am
Students won the seventh annual Student Cluster Competition (SCC) this year at the Supercomputing '12 (SC12) conference in Salt Lake City. SC12 is the seminal international conference for high-performance computing.
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Comments are moderated. They will be posted if they stick to the topic and contribute to the conversation. They will not be published if they contain or link to abusive material, personal attacks, profanity or spam.
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Essays and Personal Statements
Fall 2014: This site will be updated.
In the meantime, please refer to the Sakai site on Medical Professions Advising.
Organize your thoughts about the materials for the essays you will be asked to write.
How do you wish to present yourself? What have been the important influences in your decision to enter a medical profession? What has your practical experience in health care meant to you? What are your long range goals? What kind of physician do you want to be?
Essays and Personal Statements are a vital part of the application for all the medical professions. You will need to write essays/personal statements as part of your primary application and for secondary applications as well. This is your opportunity to present yourself as an individual rather than as a statistic; so prepare your essays carefully and use the opportunity to provide information that you feel will be most helpful to your application.
In all cases, it is important that the essay be clear, easy to read, free of errors, and grammatically correct. Take pride in what you submit. Recognize your strengths and maintain perspective. Be serious, but not boring, and make your presentation honest and true. It is always a good idea to ask at least one other person to read your essay for content, spelling, grammar, and punctuation. Please feel free to ask your adviser to review it. Bear in mind that it will take you a long time to write a good personal statement.


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gloria.p wrote:
> I bought some incredible cumin in Morocco and I thought the approximate
> cupful would last forever. It is SO GOOD I find myself adding a bit to
> many more things that I ever used it in before. It is very aromatic and
> slightly sweet, quite a bit more flavor notes than the Mexican style
> I have always used.
It won't last long if you try the recipe that I did tonight. Get a small
chicken... or chickens. For each chicken puree one onions and two large
cloves of garlic and add some salt and about a tsp. of cumin. Smear the
chicken with the micture and let it sit for an hour. Then put it on a
spit and cook it on the rotisserie for about an hour, longer if it is a
bigger bird. Baste with melted butter. This is my wife's favourite
method for chicken, thought I always end up the one doing it.


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You must earn 10,000 points to post other members' whiteboard
TYVM for the buddy connection. David..........QQ
. Congratulations for being a gas buddy for over four years While earning 321K points. Helping others save money on gas. May 2014 bring peace and joy. Lets be buddies. Thanks. Shep.
>end the methanol mandate now, contact your senator today< You must be from elsewhere than the USA. Methanol is not used in US fuel.
Saw you gas price post. Care to be buddies?? Thanks. David.............qq


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Online Safety -- Start the Conversation
Girl Scouts is developing a holistic, online safety initiative with a top technology partner that aims to decrease the generational divide between parents and teens through branded tools, expert insights and engaging content. Topics may include the following areas: predators and predatory behavior online, bullying, gossip, cyberstalking, promiscuity "watchouts", and appropriate image use. To learn more about this partnership, visit www.girlscouts.org/onlinesafety and sign up for a newsletter written by girls for adults.
As part of the Safety Award for Girl Scout Juniors, girls are encouraged to read about bullying at www.kidshealth.org/kid/feeling/emotion/bullies.html. Other recommended sites are Stop Bullying Now at www.stopybullyingnow.hrsa.gov, and the Youth Violence Prevention Campaign at www.violencepreventionweek.org.
In addition, Girl Scouts Western Pennsylvania continues to develop new programs like "From Bullies to Buddies"; and provides Girl Scout families with a list of online resources to share with their daughters. This is just part of a strong commitment to help open up discussions between girls and the important adults in their lives – the key to safeguarding girls' emotional safety and security.


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Report: Hyundai, Kia sued by Toyota in patent fight over hybrid-engine tech
Paice LLC, along with its non-profit investor Abell Foundation, filed a suit against Hyundai Motor Co. and Kia Motors Corp. for the infringement of three patents in a Baltimore federal court Thursday.
Alex Severinsky, founder of Paice, designed strategy of powering gas-electrical cars making use of high-voltage back in the 1990's, which he says is the foundation of existing hybrid engineering.
Paice LLC was previously in an eight-year lengthy series of legal battles which settled in 2010, with Toyota Motor Corp. due to a discrepancy above hybrid-engine technology, as well. Ford Motor Co. has also been involved in the identical matter with Paice, however the automaker settled by licensing the technological innovation.
The two models in particular are involved in the suit, the Hyundai Sonata Hybrid and the Kia Optima Hybrid, the two of which share powertrain technology. Paice's complaint states "Since as early as 2004, Paice has contacted Hyundai on several occasions and offered to go over its patented hybrid technological innovation."
An order to end any more use of Paice's engineering, along with monetary compensation, is being requested in the suit.
Chuck Norris Approved: Scooter Driver Collides with Truck
Understandably, in a collision between a motorcycle and a greater vehicle, the biker is the 1 who gets the raw end of the deal.
However, as soon as in a whilst, motorcyclists handle to get out unscathed from a probably deadly predicament, like this scooter driver in Asia (if any of our readers now exactly where it took place, add a comment under) who was involved in a crash with a light truck that went by way of a yellow light.
You can view the video correct immediately after the jump.
Tesla Model X Reservations Hit 500 in 24 Hours
Published February 17, 2012
Last Thursday, Tesla Motors unveiled the Model X electrical crossover at its style center in Los Angeles, California. Of program, the debut of the Model X "produced substantial media attention," according to Tesla. In truth, the electric automaker claims Model X was the "3rd most searched term on Google", and that on the night of the reveal site visitors to its web site increased 2800 percent.
Even far more remarkable is that Tesla claims to have recorded 500 reservations for the car inside of 24 hours of its unveiling. The business now reports that "a single day immediately after the reveal, without having any advertising, advance sales of the Model X exceeded $ 40 million."
Reservations or the forthcoming Model S sedan, which will commence deliveries later this year, also shot up by 30 percent following the unveiling of the automaker's Model X crossover. Entirely refundable reservations for the Model X assortment from $ 5,000 for the regular edition to $ 40,000 for the Signature.
2012 Subaru Impreza 2.0 Hatch CVT Tested: Trading Performance for EPA-Rated Efficiency
In the sea of economic climate vehicles, the 2012 Subaru Impreza swims among some fairly appetizing competitors. The new Impreza's styling alone helps it better stand out amongst large fish—such as the Ford Focus, the Volkswagen Golf, and the Honda Civic—than did its predecessor. But the prior car's greatest handicap against its competitors wasn't its seems, but fuel economy to that end, Subie has swapped the old 4-speed automated transmission for a more-efficient continuously variable gearbox.
Exterior Frame of mind, Interior Blahs
But first, back to the styling. The new Impreza fits correct in at Subaru showrooms with its scaled-down Legacy seems. The sheetmetal even has a little bit of an frame of mind, despite the fact that the very same cannot be explained for the interior, even if it is ergo-friendly. Within, the materials are regular and the all round design is stark and lacks any type of personality. That is a shame, truly, simply because we adore sitting in the comfy bucket seats, while back-seat passengers will appreciate the generous amounts of leg- and headroom. They will not get pleasure from the copious wind and road noise. Compared to the preceding vehicle, general passenger volume for the 5-door increases by virtually three cubic feet cargo volume (rear seats folded) gains an extraordinary eight cubes for a total of 52.four. Have we mentioned recently how much we love the versatility of wagons and hatchbacks?
Out with the 2.five-liter, In with the two.
The engine compartment of the 2012 Impreza houses a new flat-four of smaller displacement than the outgoing car's. Down by .five liter to two., it's weaker than the outdated engine by 22 hp and 25 lb-ft of torque, for totals of 148 hp and 145 lb-ft. Subaru claims that the new car's slight weight reduction offsets any performance penalty from the decrease-output motor. But as we discovered with a manual-outfitted Impreza sedan we tested, that is not really the case—it was a second slower to 60 mph than the earlier stick-shifted Impreza. While we do not have check figures for the previous Impreza 2.5 with its four-speed automatic, our 2.-liter hatchback CVT test car took a leisurely nine seconds flat to hit 60 mph and 17 seconds to cover the quarter-mile at 83 mph. The new 2.-liter with the CVT is now rated at a a lot-improved 27 mpg city and 36 highway, up from the 20/26 assigned to the 2.five-liter car with the four-speed automobile. Impressive on paper, but we saw just 22 mpg all round in the course of our 600-mile test.
Ferrari F70: The Enzo Replacement Has 920hp
The very first details on the Ferrari Enzo replacement are pretty heartwarming.
Alright, let's reduce to the chase. The automobile is codenamed F70, it will weigh all around two,500 lbs, and will have a 920hp V12 engine.
That colossal energy is produced by a new V12 engine, an evolution of the current V12 discovered in the 599. The petrol engine contributes 800hp of that output, the rest of it is supplied by the sophisticated KERS technique (kinetic energy recovery).
800 sounds like sufficient to us, but 920 is just wonderful. Although that figure may possibly make you feel the new Enzo is a Veyron-basher, it is not genuinely. It is in fact Ferrari's solution to Porsche 918, a hybrid supercar with 718 hp, just as the Enzo itself was a rival for Porsche Carrera GT.
The car is mentioned to appear on the radar sometime next Fall.
supply: Autoweek & Automobilemag
Video: White Bugatti Veyron Super Sport Returns to London
Bugatti, London, Supercar Movies — By MR on February 19, 2012 at five:25 pm — No Comments
YouTube member Shmee150 spotted this Bugatti Veyron Super Sport in London. This certain Veyron is automobile #13 out of an unique run of just thirty autos. The hypercar is owned by a son of the Emir of Qatar who is going to Uk capital.
The Veyron Super Sport features an engine power increase from the regular 1,001 metric horsepower to one,200 metric horsepower and torque of one,500Nm and a revised aerodynamic package deal. It was shown publicly for the 1st time at the Pebble Seaside Concours d'Elegance in August 2010. The hypercar holds the record of the fastest auto in the world at an typical maximum speed of 431.072km/h.
New Video: BMW M Performance Parts
Ahead of the Geneva Motor Display premiere, BMW unveils a new video showcasing the upcoming M Performance Elements. The footage capabilities a BMW one Series Hatchback with the black racing stripe, amongst other visual enhancements. Along with the 1 Series hatchback, the 3 and five Series designs will take benefit of the new M Efficiency parts which contain powertrain, suspension, aerodynamics and cockpit parts that give a tangible boost in driving dynamics by enhancing engine electrical power, decreasing weight and optimizing aerodynamic properties.
The merchandise contain black kidney grills, M Functionality exhaust methods, carbon fiber front splitters and an M Efficiency steering.
A BMW M Performance suspension with distinctively sporty settings and a especially huge-scale however weight-optimised BMW M Overall performance brake technique are obtainable for the new BMW one Series and the new BMW three Series Sedan. The brake method, featuring aluminum fixed calipers at both front and rear, guarantees a continuously high degree of deceleration even under high thermal pressure. Its perforated, inner-vented sports activities brake discs measure 370 x 30 millimeters at the front (diameter x thickness) and 345 x 24 millimeters at the rear. The brake calipers are fitted with 4 and two pistons every at the front and rear respectively and can be acknowledged by the four-color M logo.
The BMW M Functionality accessory range also contains unique light alloy wheels specifically designed for every model. 20-inch M light alloy wheels in V-spoke style are obtainable for the BMW 5 Series Sedan: these are offered in the color Liquid Black or in the bi-color finish characteristic of BMW M Efficiency and can be utilized with mixed tires. The M light alloy wheels in double spoke design and style formulated for the new BMW 3 Series Sedan and for the new BMW one Series likewise have a striking bi-color physical appearance. The weight-optimized forged wheels effectively contribute to the reduction of unsprung masses, thereby enhancing the agility and steering response of the car. They are readily available in the 19-inch size for the BMW one Series and as 20-inch wheels for the BMW three Series Sedan, both with mixed tires.


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What does UUSC stand for?
What does UUSC mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: UUSC.
We've found a total of 2 definitions for UUSC:
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Unitarian Universalists in Southern California
Unitarian Universalist Service Committee
Still can't find the acronym definition you were looking for? Use our Power Search technology to look for more unique definitions from across the web!
"UUSC." Abbreviations.com. STANDS4 LLC, 2014. Web. 20 Dec. 2014. <http://www.abbreviations.com/UUSC>.


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D.C. Council 66: Wizards 101 vs Nets 94: Gooden's Night, And Good Luck
►John Converse Townsend | Mar 16, 2014
Truth About It.net's D.C. Council: setting the scene, recapping key points, providing the analysis, evaluating players, and catching anything that you may have missed from the Washington Wizards. Game No. 66: Wizards vs...
D.C. Council Opening Statements: Wizards at Nets, Game 24
►Adam McGinnis | Dec 18, 2013
The Washington Wizards travel from Manhattan to Brooklyn to square off versus the Nets in the second game of their New York City road trip tonight. Washington pulled off a miraculous win...
DC Council Game 31: Wizards 113 vs Nets 115: Brooklyn Steals a Win in Double-OT
►John Converse Townsend | Jan 5, 2013
"How many times we've been here? I've lost count," sighed Randy Wittman after his team fell to the Nets in double-overtime. This is your D.C. Council.
Andray Blatche Trolls The Washington Wizards
►Kyle Weidie | Nov 27, 2012
Andray Blatche decided to troll the winless Washington Wizards on Monday night, both to the media and on Twitter. Here's what he had to say.
New Brooklyn? New Dray? Ye Olde Andray Blatche Masterpiece Theater
►Adam McGinnis | Oct 15, 2012
The life and times of Andray Blatche with the Wizards... Video notables and quotables from his last three seasons in Washington.... He's new in Brooklyn, but it's Ye Olde Andray Blatche...


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About Us
The Louis & Peaches Owen Heart Hospital—the first and only heart hospital in the region—builds upon more than 25 years of pioneering heart care for east Texans and launches a new era in improved cardiac care and patient safety. This new approach to heart care incorporates the latest technologies and processes, while also including healing concepts and patient-centered features that involve the family along with medical staff to ensure the best possible outcomes.
The new Louis & Peaches Owen Heart Hospital offers leading-edge programs in minimally invasive and robotic heart and thoracic surgery, treatment of arrhythmias, congestive heart failure, acute myocardial infarction (MI), and peripheral vascular disease, along with outstanding programs focused on cardiac rehabilitation, patient education and research. The Heart Hospital offers a comprehensive program—from diagnosis through recovery—that focuses on your unique needs. We're with you for the journey.
Phase One – Now Open at Mother Frances Hospital – Tyler
Phase One of the Owen Heart Hospital includes state-of-the-art enhancements of medical and information technology, rigorous staff training in advanced cardiac care methods and conversion of the fourth floor of the Ornelas Tower to create a new 24-bed cardiac intensive care unit utilizing the modified Universal Bed model of care.
Key features of Phase One include:
• 24-bed Cardiac Intensive Care Unit
• 26-bed Cardiac Telemetry Intermediate Care Unit
• 13-bed Vascular Unit
• 6-bed Cardiac Observation Unit providing a thorough and faster diagnosis, with 24/7 physician and midlevel coverage
• Complete medical screening
• Comprehensive patient education program
• Committed Respiratory & Physical Therapy/Cardiac Rehabilitation Team
• Multi-disciplinary Care Team model
• Modified Universal Bed to provide all levels of care from admission to discharge
• Comprehensive discharge plan with follow-up calls by our team the following day
• Improved communication with primary care team
• Concierge level service for patient and family
• Focus on family engagement in the recovery process
• Open visitation policy
• 24 Hour physician coverage
• Unified communication portal for patients, team members, outside referrals
• Midlevel providers
• Incorporation of EMR
Phase Two – The Louis & Peaches Owen Heart Hospital – Opened Fall of 2012
Phase Two of the new Heart Hospital began construction in the Spring of 2011, and is set to be completed within 18 months. The free-standing, multi-story structure adjacent to Mother Frances Hospital will connect directly to Phase One area of the Heart Hospital. The new facility will include all the benefits of a hospital dedicated to heart care, while ensuring immediate access to all medical services of the acute care hospital. As currently envisioned, Phase Two of the Heart Hospital will include:
• Three floors with a total of more than 72 ICU-capable patient beds dedicated exclusively to cardiac patients and designed to provide all levels of care, from admission through discharge
• 16 cardiac observation beds for rapid assessment and treatment
• Three new dedicated cardiac and thoracic OR suites
• On-site Cardiac Rehabilitation Center
• Inpatient and Outpatient Cardiac Diagnostics
• Conference Center for community events and heart screenings
• Separate entry and driveway accessible from East Dawson Street with valet parking and patient assistance available
• Spacious multi-level lobby with amenities including gift shop and food kiosk
• Meditation Room/Chapel to meet spiritual needs of patients, families and caregivers
• Patient and Family Education Center and Resource Center
• One-stop registration using a new electronic medical record
• Room Service dining
Louis & Peaches Owen Heart Hospital and CAET to Join Forces
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MSPs Against Vermin Cull, Professional Solidarity?
Wanted: High-fliers, £40k, for Holyrood pest control (but killers need not apply) - Scotsman.com News
SINCE the Scottish Parliament building was opened in 2004, its officials have been battling against constant bombardment from winged menaces.
Now Holyrood bosses have finally admitted the only way to tackle the pigeons and stop them fouling the building is to introduce their own air force. They have asked falconers to tender for what could be a £40,000 contract to chase off the pigeons.
But the idea, originally conceived by independent Lothians MSP Margo MacDonald, has been taken up on the condition that the bird of prey used does not actually kill any pigeons.
There had been concerns that visiting schoolchildren might be shocked by the sight of a hawk tearing a bird apart.
Apart from it being far more honest, healthier and less stomach churning to watch a hawk at work then politicians doesn't that pathetic contract rider say all that needs to be said about the spineless nonentities at Holyrood.


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Please Help! Getting an LPN endorsement in Indiana
- 0Oct 23, '11 by apriljk221) I am about to attend a LPN program at Lebanon Technology & Career Center in Lebanon, MO. My husband is currently in the Army and stationed at Fort Leonard Wood, MO. As soon as I graduate, pass the NCLEX, and receive my license from Missouri we plan to move to Indiana. Do I have to work in Missouri with my Missouri LPN licence before I can apply for an Indiana LPN endorsement?
2) On the Indiana website for LPN endorsement application & instructions it states that you will need to provide official documentation of graduation from a state accredited program in nursing. My school that I am about to attend the LPN program in Missouri is on Missouri Board of Nursing as an approved school of nursing. It also has full approval from the Missouri State Board of Nursing, the Department of Elementary & Secondary Education, Department of Higher Education and accredited by North Central Commission on Accreditation and School Improvement (NCA CASI). I am just a little confused if there is a difference between accredited and approved. Do you think Indiana will accept the education from my nursing program?
Here is a few links that might help you answer my question:
Thank you for your help!
- 1Oct 23, '11 by Nascar nurse, ASN, RNNo matter what answer anyone gives you here, you will not ever be sure it is the correct answer. The only way to know for sure is to call the Indiana BON.
- 0Oct 23, '11 by Whispera, BSN, MSN, APRN, CNSDefinitely call the Indiana BON now!
- 0Oct 23, '11 by Hospice Nurse LPNI graduated LPN school in North Dakota and never practiced there. I moved to Louisiana immediately p taking NECLEX-PN and was licensed w/o a problem. But you really should check w/ your BON to make sure all your ducks are in a row a graduation.


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Keratin Sealing Shine Serum is a gentle serum that will saturate the hair with keratin proteins so that it enhances the strength, shine and manageability of the hair. It is designed to prolong and improve the benefits of Liquid Keratin 30 day straight smooth strong and long treatment. Your hair will be protected from sun damage so that your hair will become silky smooth and be revitalized. This dynamic serum will moisturize and hydrate the hair to keep it healthier and enhance the follicles of the hair so they are strengthened.
Keratin Sealing Shine Serum has been formulated to be used by people with all types of hair and can even be used by those with chemically treated hair that is more fragile. This serum is free of paraben and free of sodium chloride. The serum contains UV protection to ensure that it is protected from the sun's harmful rays that cause so much damage to the skin and the hair. Repeated use as part of your daily skin and hair care regimen will provide beneficial effects by strengthening the hair fibers that have been damaged. It is a serum that will leave your hair looking and feeling stronger and more beautiful with regular use.
Directions: Apply dry hair and leave on for a shine that will last.
Ingredients: See package for ingredients.


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What would the internet be like for the media economy if we couldn't track users? That question is pressing ever more on the minds of advertisers and publishers following the EU's new cookie policy and Microsoft's plans to add a default "do not track" feature in the new Internet Explorer 10.
For advertisers, tracking sums up the appeal of the web. Where once you had to make your best guess on who was seeing your ads based on vaguely representative panels, internet tracking gives advertisers the ability to target their ads at the right demographic, and measure how effective those ads really are. That's why advertisers are up in arms about Microsoft's plans.
'Not an option'
Mathieu Roche is UK managing director of online ad data firm Weborama. He says a world without some form of online tracking would be unworkable for the advertising industry and those publishers who rely on it.
He tells TheMediaBriefing: "No performance management (through tracking) is not an option. Firstly, tracking enables advertisers to measure audiences. Without tracking we don't know how many users go to a website, we don't know who they are in terms of demographics, in terms of geo-location. It would be like TV without ratings information."
"Secondly, advertising enables advertisers to measure return on investment, it allows them to effectively know how many people their campaigns reach, how many of those people come to their sites, and buy their products or services, potentially, even through online and offline tracking mechanisms, to know how many people buy their products in stores."The only alternative, says Roche, would be to run panels like TV's BARB. But even large panels of up to 5,000 people cannot adequately represent internet audiences and lack the granular detail tracking can provide.
Are consumers really that worried about tracking?
Some people do make the effort to avoid being tracked, but Roche says that Weborama's own experience suggests even clued up users are not concerned about tracking.
Weborama offers users the chance to opt out by visiting their site, but surprisingly most of those who look into opting out don't bother. Roche says that of the around 10,000 people who looked at Weborama's opt out page over the last year - less than one percent decided they didn't want the company to track them, he claims.
Battle of the Cookies
Advertisers and do-not-track advocates had a face-to-face meeting organised by IAB Europe last week, and Roche expects a compromise to be found.
However, if significant steps to block advertising are introduced, Roche says the industry is unlikely to take attempts to stop tracking altogether lying down. A key point forgotten in much of the debate about do-not-track is that it delivers a marker asking sites not to track rather than cloaking a user's presence online.
-- Sites are under no legal obligation to take any notice, and Roch believes that because consumers have not made an active choice to turn on do-not-track, advertisers have good grounds for claiming it does not represent their will.
-- The focus on cookies also misses a key fact - there are many other ways to track users online, some of which are considerably more intrusive. IP address tracking is already used by some firms, but as an identifying feature it is far more personal than the anonymised cookies because it is linked directly to the computer being used.
-- Another form of tracking, local area objects, or flash cookies as they are often called, operate in a similar way to normal cookies, but have already attracted a range of criticisms, including that they are used by some companies as backups to enable tracking even if a user has deleted all other cookies from the browser.
"All of those are far less privacy sensitive than cookies," says Roche. "(But with) the regulator going after the cookie, what other choices does the industry have?"
The solution promoted by many of those who make their living from online ads - is educating web users about exactly what tracking entails and the advantages it brings.
That doesn't just mean promoting the benefits of personalisation, Roche says you need to explain that the ability to track to at least some degree is so important to online ads that free ad-supported services and content such as Google Maps, Twitter, Facebook and Yahoo News wouldn't exist without it.
Image by Fabulous Five on Flickr via a Creative Commons licence.


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Make shimmery Crayon Bling Rings with your Melt 'n Mold Factory! Mix, melt and mold the exclusive Glitterati Glam crayon colors to make 8 glamtastic rings. Everything you create makes the bold, colorful marks that you expect from Crayola crayons. Includes 1 mold and 12 crayons. For use with Melt 'n Mold Factory (sold separately).
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|News Home | Video News | Early Brief | Forum | Opinions | Discussions | Benefit Updates | Defense Tech
VA 'Retro Pay' Update
'Retro Pay' So Far Reaches 31,000, Averages $1500
Two months into a year-long review of pay records and disability compensation histories for 140,000 military retirees have produced a total of $45 million in back pay to 31,000 disabled retirees, say officials in charge.
The lump-sum payments average out to about $1500 apiece. Ten retirees have received more than $25,000 each, a sign that back payments will vary widely based on individual circumstance.
The retroactive payments mostly involve VA dollars withheld because of start-up difficulties with two "concurrent receipt" programs for military retirees: Combat-Related Special Compensation (CRSC) and Concurrent Retirement and Disability Pay (CRDP).
Cases settled so far are the low-hanging fruit for accountants and computer programmers involved in what the departments of Defense and Veterans Affairs call their "Retro Pay" project. Next up are cases requiring an extra data run to add missing information, to be followed by the most complex cases requiring individual file reviews to calculate overdue pay.
Through November, records of 42,000 retirees, all of them CRDP recipients, had been reviewed. Nearly 11,000 were up to date and required no action, said Pat Shine, deputy director for operations with the Defense Accounting and Finance Service (DFAS) in Indianapolis. But the same computer data runs led to retroactive payments for almost 30,000 retirees at the end of October and another 1,100 at the end of November.
The Department of Veterans Affairs is making most of the payments. But 4,500 retirees have received money from both VA and DFAS and 500 were owed money solely from DFAS, Shine said.
Letters of explanation are mailed to arrive a few days before the direct-deposit payments. They include a month-to-month "payment due statement" to show how retro pay was calculated.
Officials estimate that half of all retirees drawing CRDP or CRSC will have their files reviewed. Total retro payments are likely to fall short of the $500 million estimate used last summer. An analysis of 5000 payments led VA to revise its estimate to below $300 million, said Thomas J. Pamperin, assistant director for policy with VA's Compensation and Pension Service. But he also noted that those cases all involved CRDP which could be smaller payments, on average, than for the CRSC-eligible retirees still to come.
The sharp drop from October to November in files reviewed by DFAS had VA officials reconsidering their own estimates of when most eligible retirees will see their compensation caught up.
"We've been saying that we'd have 90 percent of the cases done by April," said Pamperin. "It ain't gonna happen, not at this rate."
Shine at DFAS, which has the lead in screening retiree files for back payment, said the plan always has been to have a majority of files reviewed within six months, which means by the end of March 2007, and to have all payments made by September. DFAS remains confident it will meet those goals, Shine said. However, the promised review of a "majority" of cases by March will be nearer to 50 percent than to the 90 percent that VA officials had expected.
No month will match the volume of payments made at the end of October, he said. The next big one will be January, perhaps 20,000.
Before CRSC began June 1, 2003, and CRDP on Jan. 1, 2004, every military retiree who accepted tax-free VA compensation for service-related injuries or illnesses saw their taxable retired pay reduced dollar-for-dollar due to the long standing ban on "concurrent receipt."
Congress has eased that ban in stages. CRSC ended the cut in retired pay cut for disabilities tied to combat or combat training. CRDP ended the offset for retirees with disability ratings of 100 percent and the offset is being phased out over several years for disabilities rated 50 to 90 percent. Neither program helps retirees with non-combat disabilities rated 40 percent or lower, or veterans retired on disability before completing 20 years of service.
Most of the underpayments being corrected now occurred when retirees eligible for CRDP or CRSC saw their VA disability rating raised. A higher rating means more VA compensation, payable back to the date that the retiree applied for reconsideration of physical or mental condition.
The VA compensation system, however, continued to handle retirees as if, in all cases, any boost in VA compensation created a matching drop in retired pay. That assumption doesn't hold for retirees under CRDP or CRSC.
Yet VA did what it always had done when a retiree became eligible for more VA compensation. Rather than make a retroactive payment, it withheld the money, assumed the retiree continued to draw full retired pay from DFAS and then directed the retiree to claim an appropriate portion of retired pay as tax-exempt, like the withheld VA compensation, on their next tax return.
"All we really did was just move the money from the left pocket to the right pocket," said Shine. But the tried-and-true process for handling retroactive entitlement to VA compensation creates an underpayment for retirees under CRSC or CRDP because they can receive both payments.
Even as work on the retro pay backlog continues, 2,500 CRSC- and CRDP-eligible retirees each month get word of a change to their VA disability rating, thus creating a potential retroactive pay obligation. In time, said Shine, "we'll be able to handle those on a real time basis."
A retro pay hotline set up by DFAS in September so far has received 24,000 calls. That toll free number is 1-877-327-4457.
To comment on this column, e-mail firstname.lastname@example.com or write to Military Update, P.O. Box 231111, Centreville, VA, 20120-1111
About Tom Philpott
Tom Philpott has been breaking news for and about military people since 1977. After service in the Coast Guard, and 17 years as a reporter and senior editor with Army Times Publishing Company, Tom launched "Military Update," his syndicated weekly news column, in 1994. "Military Update" features timely news and analysis on issues affecting active duty members, reservists, retirees and their families. Tom also edits a reader reaction column, "Military Forum." The online "home" for both features is Military.com.
Tom's freelance articles have appeared in numerous magazines including The New Yorker, Reader's Digest and Washingtonian. His critically-acclaimed book, Glory Denied, on the extraordinary ordeal and heroism of Col. Floyd "Jim" Thompson, the longest-held prisoner of war in American history, is available in hardcover and paperback.
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text: Florida Atlantic University Football welcomes the program�s 14th recruiting class, its eighth since moving to the FBS ranks and first under newly hired Head Coach Carl Pelini and his staff. The 2012 class promises to be the most geographically diverse class in the program�s history and will hold the most junior college signees. This class is also the first class to sign with Florida Atlantic after the opening of a $70 million, 30,000 seat on-campus stadium, which has an Atlantic Ocean view.


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|Photo by Craig Thomas at oppositeimagesmusic Check out the site, they have some awesome concert photos.
Tonight, everyone in our family picked their end of the world song. I chose Stereophonics, "Maybe Tomorrow." The hypnotic lushness is very calming on our last night. The band has a new album, Graffiti on the Train, coming out March 4, 2013
Stereophonics Official Site: http://www.stereophonics.com/
On Twitter: https://twitter.com/stereophonics
Facebook: https://www.facebook.com/stereophonics


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I have a new favorite Christmas song that I firmly believe should take the place of "Christmas Shoes" on every radio station during the holiday season. (Let's be honest, that song is hella depressing and has no place wedged in between "Jingle Bells" and "All I Want For Christmas Is You.") Kristen Bell joined a cappella group Straight No Chaser to create a modern day Christmas carol called "Text Me Merry Christmas," which basically sums up every interaction I've had on December 25th for the last five years.
A preview:
Text me Merry Christmas/ Send a selfie too/ If you do, I'll go 'Neath the mistletoe/ And pretend my screen is you/ Show me that you love me/ Text xo to kiss and hug me/ I'll be right here waiting/ For my pants to start vibrating.
Check out the music video for the (fingers crossed) new holiday classic, and view the full lyrics after the jump! "Text Me Merry Christmas" will be available on iTunes tonight at midnight, so get your texting fingers ready. Keep reading »


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DISCLAIMER: This information has been excerpted from Alaska Department of Fish and Game (ADF&G) News, Press, or Public Announcement Information Releases. There may be errors or omissions that have not been identified and changes that occurred after this publication. This document is intended as an informational and educational reference only and believed accurate as of the individual posting dates.
Due to the very nature of fisheries and other harvestable natural resources, conditions may change which would affect the accuracy of this report. Additionally, this information may contain forecasts which by their very nature represent expectations or assumptions and not necessarily the final results or opportunities actually presented in these fisheries.
Furthermore, emergency orders issued by the Department of Fish & Game after the posting of this report may affect the angler's opportunity to harvest or even pursue some species of fish or other harvestable resources. Anglers and other resource users are thereby requested to consult local newspapers or contact the local Department of Fish & Game office regarding any changes which may have occurred after this date.
While we make all efforts to assure the accuracy and timeliness of the information provided here, neither AOJ or the State of Alaska/ADF&G can be held responsible for any errors, omissions, or changes.
Visual Media Design & Alaska Outdoor Journal


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Retrieving Dummy Launcher Ammo .22 Caliber
These .22 caliber Launcher Ammo blanks work with most retrieving dummy launchers. Color-coded for your convenience. Green box is the light load (150'), Yellow box is the medium load (200'), Red box is the heavy load (250'). 100 rounds in each box. Made in USA.
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Tawangmangu offers natural beauty and the cool air on the slopes of Mount Lawu. Enjoying the beauty of rice fields, misty mornings or taste the legendary sate kelinci will make you want to go back again and again.
Kecamatan Tawangmangu, Kabupaten Karanganyar
Although it is located at the equator with hot and humid air temperature, Indonesia is endowed with many mountains offering chilly and cool weather. One of them is Tawangmangu, approximately 37 km east of Solo. Although situated on the slopes of mountain, this area is one of the attractions with a very good public transportation access. If you go by bus, it would take approximately 1.5 hours from Solo to get there with beautiful scenery of green rice fields on the left and right of the street.
Tawangmangu in the morning is very beautiful and exotic. The fog and cold air of the mountains beautify the morning. Walking down enjoying beautiful green rice fields, seeing the morning activities of residents, or exploring the traditional market is worth to try, refreshing your mind from daily routines. Tawangmangu is also popular with vegetables and fresh fruits. Fields planted with cabbage, carrots, radishes, strawberries, and various others stretches everywhere.
YogYES also went to an 81-meter-high waterfall located in the region. Grojogan Sewu, means "a thousand waterfalls", is located within a 20 ha protected forest area. This area is also equipped with flying fox, rafting, playground with its fishing area, and the outbound arena with its traffic park and tree train. Not only humans, thousands of monkeys also love this place. They roam freely without fear in humans. Although they seem tame, but you must remain vigilant because they could suddenly take your bag or other stuff.
Foods stalls are scattered around the waterfall, being a place to relax and enjoy the fresh air under the shady trees. The most famous food here is sate kelinci or rabbit satay. Rabbit meat is a little tough but has soft meat fibers, combined with peanut sauce, sliced peppers and onions, served with rice or lontong. According to the experts, in addition to low-cholesterol rabbit meat also has many health benefits. The meat contains substances called kitotefin. These compounds combined with other compounds such as omega 3 and 9 is allegedly able to cure asthma. Based on the experiences of some people, the meat also helps lowering the sugar levels for people with diabetes, while its brain as a fertilizer efficacious of female womb.
Copyright © 2010 YogYES.COM
Opening Hours
Monday to Sunday: 08.00 a.m. to 04.00 p.m.
Domestic visitor: IDR 18,000
Foreign visitor: IDR 18,000
Student: IDR 9,000


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Our mission is simple: to move from filthy streets up through a guarded distillery and onto a rooftop garden where a man named Sokolov is happily going about his daily business. There we need to knock him out (sleep dart or sleeper hold, the choice is ours), sling him over our shoulder and make our way to an extraction point by the river.
Method one for our first-person kidnapping adventure: stealth. We start by using our Blink teleportation power to hop over some rooftops and bypass a group of patrolling guards. When we find a group of prisoners trapped behind a Wall of Light (a killer energy field that instantly vaporises anyone who passes through without clearance) we smash the power cell and let them loose.
The fleeing citizens soon draw the guards away from their posts and we hop up through a window above the main distillery door. Next we jump over some walls to avoid the various traps and people who'd otherwise trip up our silent run. Some well-timed sneaking behind people's backs (the ability to stop time comes in tremendously handy here) takes us through the corridors and up the final flight of stairs to our target.
Once he's subdued and hoisted over our shoulders we Blink back down to the streets via rooftops and make our getaway without raising an alarm. Simple.
Method two: possession. We jump into the body of a rat and sneak past the guards. Then it's into the mind of a fish (through which we swim into the distillery from the river) followed by a cunning leap into the skin of a maid. Her clearance lets us simply walk through the killer Wall of Light. Finally, we become a guard and mosey on up to Sokolov without arousing suspicion. Knock him out, Blink to safety et voila! Success!
Hit And Run
Method three: violence. With a bloody cocktail of pistol, sword, razor-wire grenades and crossbow bolts we carve up each and every person in our way and waltz to our target like Rambo himself.
Method four: sabotage. A few Windblast 'Force pushes' knocks some troublesome guards over balconies and into the river, but we spend most of our time laying down traps and rewiring alarms and the Wall of Light so that it registers us as a friendly and all guards and maids as hostile. Cue evil cackles as we walk to Sokolov and see everyone vaporised in our trail.
Method five: parkour. Some double jumps followed by judicious use of Blink teleports bypasses
the distillery entirely and sees us reach Sokolov in under 20 seconds without so much as seeing another person.
Phew. Get all that? There's barely any space for methods six-through-eleven, let alone the side missions (finding notes on dead bodies that point towards hidden treasure troves, for instance). And all these choices cover barely one third of a single level - come the finished game it'll be possible to spend hours in every chapter and still not discover all there is to see and do. Talk about replayability value...