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*Dramacon Book 2 — Best of 2006
Posted in Graphic Novel Reviews, Manga Reviews on November 13, 2006 by Johannaby Svetlana Chmakova
published by Tokyopop; $9.99 US
As promised at the end of the first book, it's a year later, and Christie's back at the anime convention.
She's still writing her comic, but her new artist, Bethany, is a lot easier to get along with. (The former artist and boyfriend has been dumped.) This year it's Bethany's first time at the show, and Christie's a lot more comfortable with the atmosphere.
Christie's also seeing more realistically. The professional creator who encouraged her so much last year is back, but her appearance suggests that convention-going and comic-creating isn't all positive. As Christie gains experience, her worldview becomes more nuanced. Svetlana's writing is introducing growth and complexity to both the audience and the characters.
Matt has also returned this year… but he's brought his girlfriend. And right there, that's the complicating incident that makes the premise so promising and keeps the reader's attention for 200 pages. Christie had such hopes for seeing him again after the amazing-but-brief time they had together last year. And the reader had such hopes for seeing the two get together, because they're so obviously meant for each other.
The art is amazing, so easy-to-read that you can zoom through the book (because of course, you want to know what happens next!) without noticing the skill that makes it flow so well. The characters have all the personality and visual expression a soap opera needs. The early section where Matt and Christie see each other again for the first time is a triumph, mixing slices of closeups with shaded memories of the key events from last year. It's a beautiful way to sum up a lot of emotional history.
Svetlana's using subtle approaches to catching the reader up on background. Curious tablemates means that Bethany's conflict (a pushy mother who demands good grades and a career other than artist) will be naturally revealed during friendly conversation. Costumes and hairstyles are varied and appropriate, showing more about characters through their choices.
Some of the conversational debates — such as what it means to be "real" manga or how to attract fans to purchase original material or some of the stupid things thoughtless people say or do — are clearly heartfelt, and the situations will be familiar to many of the readers. (I especially liked the injokes about feeling old; Matt is drawn with a little arrow in him, for example, when the staff calls him "sir".) They're so well-presented, though, making points through entertaining encounters and realistic, three-dimensional characters.
The aspiring artist story allows for smart lessons about attempting to break into the business. The characters make realistic choices that still seem optimistic. This is the rare sequel that keeps all the good parts of the original, maintaining the appeal, but improves on them to create something even better.
24 Comments
[…] Reviews: Nice meaty ones today. At ANN, Pata reviews volume 2 of Old Boy. Otaku Champloo finds nothing remarkable about Tokyo Boys and Girls but describes Koukou Debut as "a fresh tale on what it's like to fall in love the first time." At Comics Worth Reading, Johanna gives volume 2 of Dramacon a rave review. […]
- Ed Sizemore
11/13/2006 at 9:59 AMJohanna, I loved this book too. I can't wait for volume 3! Chmakova is now on my list of must read authors.
- Paul Sizer
11/13/2006 at 2:47 PMI-CANNOT-WAIT-TO-READ-THIS-BOOK!
The first one was SO well done, I shudder to think how a better version will be! Svetlana has a deft touch and her writing was very skillful in the first volume. I'm still deciding what I'm going to do with the OEL titles I have. So far I've only read Steady Beat, though I have copies of The Dreaming, Dramacon and… that gay one where I keep forgetting the title (Hands Off? Off Beat?) but haven't touched them, figuring I could wait until I had the option to run to the store for more story.
Yay Svetlana!
Yes, this book makes me happy.
[…] Johanna Draper Carlson reviews the second volume of Svetlana Chmakova's Dramacon. […]
[…] TWO. Also in attendance will be Svetlana Chmakova, the Canadian author of the hit manga series Dramacon, from Tokyopop/HarperCollins. The most recent volume of the series, Dramacon 2, has just been released to much reader acclaim. […]
I've read Vol. 1 and loved it (and also gave it a good review) but the bookstore I bought it at didn't have Vol. 2. I'm hoping to find it in Toronto this weekend.
Svet deserves all the praise and success she gets, and then some.
- venus cabrera
12/07/2006 at 3:33 PMi loved it pleaseeeeeeeeeee make more ……….. more more more i need more dramacon books MAKE MOOOOOORRRRREEEEE
- Annette
01/21/2007 at 4:52 PMI love the two books. I've read them both like 3 times. I cant waite till the 3rd one comes out!!!!
- Haras
01/27/2007 at 4:44 PMI really liked the art. It's a very distinct style characteristic of Chmakova. The toning and inking is very neat and if I do say so myself. She has a talent for evoking the emotions of the readers, like in Matt's flashback scene and the rain scene near the end of the volume.
The whole "Is american manga, 'actual' manga" situation was a personal favorite scene of mine. She did a spread in the book Mangaka America concerning that debate specifically. I really like how Chmakova expresses her opinion through the character, Lida Zeff.
Overall, I liked it but would like to see more into Lida's character.
Admittedly I'm hooked and can't wait to get my hands on the third volume.
I can't stop thinking about that hot guy, matt. he caught my attention the first time i saw him.Even though he is a cartoon, he is so FINE. The first book was hot, I'm going to buy the nest one.
- Ashley
04/03/2007 at 8:34 PMI love Dramacon. The art was great the characters better and Matt is really really really really really HOT!!! Now if he were only real…..
MEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE!- Kathleen
11/14/2007 at 1:22 PMI've got a secret…
who wants to know how Matty lost his eye? anyone, anyone?
[…] at the end, she wants to become a manga artist. The story begets creativity in others. […]
[…] Dramacon Book 2Easily the most entertaining graphic novel I read this year. Highly anticipated, Svetlana Chmakova achieves the rare feat of creating a sequel that's more enjoyable than the previous volume. It's marred only by the need to wait another year to find out what finally happens between the two leads of this romantic comedy. […]
[…] it, even though it has no definite date yet. I had similar high hopes for Dramacon, which second volume was also one of my best of 2006. Unfortunately, I found the concluding book a huge […]
hey how did Matt loose his eye? i didn't get it in the book!
[…] is a graduate of Toykopop's school of hard knocks for young artists. Her previous series Dramacon is generally considered one of the few successes for Tokyopop's line of original manga. […]
i've read all of the books and i say it's fantastic. actually it was the first manga i've ever read and since then i am obsessed with them
where do u get the books ive read the first one but i want to own them all im so sad i cant find them in fort collins uuuuuuuugh!!!!!!
x 1000001
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Patuxent River Naval Air Museum
Based on 41 traveler reviews
Open during construction
Oct 28, 2014 by: Dymaxionpz from Memphis, Tennessee
A large number of indoor and outdoor exhibits are still open while the new section is being built closer to Three Notch Road. I like the history and one-of-a-kind articles, and the simulators are neat too. Usually plenty of parking.
Interesting Piece of Maryland History
Sep 28, 2014 by: tayoka from Gwynn Oak, Maryland
There were kiosks with videos at several stations which was good because the museum isn't heavily staffed. The model airplane displays are nice and give you almost a chronological view of how aeronautics and airplanes have advanced and changed in design over the years. The flight simulators are the best part. The only thing is that they don't tell you about the flight simulators and the minimal cost to try it until you actually get all the way in the back of the museum. Pay for the flight simulator at the door its worth it and it will save you a trip back to the gift store to purchase a ticket. Its not likely that I'll go again however, I would recommend going at least once. The proceeds benefit the museum and military families.
Nice Collection Of Aircraft
Aug 24, 2014 by: Razzierb from Myrtle Beach, South Carolina
Best part of the museum was the outdoor aircraft display. If memory serves there are 20+ aircraft on display including a couple of experimental designs that helped our military get to what the F35 has eventually become. I always enjoy looking at war birds. The inside part of the museum is a little tired with no clear theme to the contents. I was on vacation and enjoyed my time at the museum, but if it had been a destination trip, I would have been disappointed. The museum is in the midst of a building program, so perhaps that will make things more interesting once the addition is complete.
A snippet of naval history
Aug 07, 2014 by: Ichabod C from Bethany Beach
Great displays of items of naval aviation significance. Probably not of much interest to those not associated or interested in naval aviation. The new museum building is now under construction and so in the not too distant future all of the exhibits and more will be in a new modern and updated display area that will greatly add to its interest. Current exhibits can be seen in less than an hour, but don't miss the outside display of Navy aircraft from years gone by.
Who knew this little museum could offer so much?
Jul 23, 2014 by: stingerjeep from Hurst, Texas
We're new to the area, so we decided to take a Saturday morning to acquaint ourselves with the local attractions. We almost missed the museum because of the construction of the new facility right in front of the old metal building that serves as the museum now. Once we got inside, however, we were blown away by the quality and quantity of the exhibits and memorabilia showcasing navy and naval air history of the area! The vintage jets on exhibit outside are visible from the road, but walking right up to them really gives one the experience of the power and history associated with these venerable old planes. Admission is paid inside the museum on the "honor system" and there isn't a lot of staff available to answer questions, etc., but when we went into the gift shop a nice lady came out to help us and we had a great visit with some interesting background info about the new building. Take the family for a fun and educational experience!
Read more reviews on the TripAdvisor page for this attraction.


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question-lily flowering tulips
This is the first year that I've grown tulips for cutting, and the lily flowering ones that I have blooming right now are presenting a problem. They are fine when I first bring them in, and grow longer stems the same as the rest, but then they flop over, no matter what vase I put them in. They have a much thinner stem than the regular kind, but I can't imagine that this is normal behavior! Is it the type, or have I done something wrong? Any suggestions are most welcome.
I have grown the white ones and yes, they do this because they have thin stems. Any tulip that has that tall & lean build will flop. Purchase some straight wire from the floral dept of a craft store and sort of wind it loosely along the stem. You'll need other flowers or greens to hide this handiwork but you'll get the look you want. Good luck
Thanks for the suggestions. I guess you don't sell these as a bunch by themselves like you can other tulips. Our weather has been nothing but rain and quite cool, so I don't have much of anything else in bloom. I'm thinking I like the other varieties better!
I've grown several kinds of lily-flowered tulips. The customers LOVE them. I put them in mixed bouquets, usually last, so they other flowers and greenery keep them in place fairly well. They stay nice and straight on the plant, but once cut, they sure do flop. I treat them the same way as all the other tulips just after cutting: gather a handful, straighten them out, roll them up in newspaper (or you could use flower sleeves, and sell them in that same sleeve, if you are selling them as grower's bunches), tape it in place, then stand them up in a bucket of preservative water, to condition. They'll stay stiff once they're conditioned, unless you cut them again - which is what I usually do when arranging, so that's why I put them in last, somewhat supported. Like LizaLily, I use some of them bent over, on purpose, for the graceful effect. I don't want to take the time to wire them up.
Thanks Jeanne, I'll try that. My problem right now is, I don't have anything else to go in bouquets. What do you use with them? The only flower I have besides tulips is dafs, which are past their prime, and some doronicum, which IS useable, but I don't have all that much. Even my fern from my woods isn't big enough to use. It's been an incredibly cool, wet spring.
You're already growing it. Doronicum. Just grow more. It's too late for this year, but there's next year. Do you have any curly willow? It can add interest to bouquets. I try to use three different kinds of tulips per bouquet, with different colors and sizes along with different shapes. Varied types of greenery make it more interesting too; I use snowberry, aspen, and redtwig dogwood cuttings because they're here and are free. I've also used the trimmed-off branches from a maple tree. Along with the redtwig dogwood (the stems aren't actually red this time of year), I didn't get around to pruning the maple while dormant, but then had the added benefit of usable stems of greenery. Cutting it back while in its major growth spurt isn't the best thing for the tree or shrub, but they'll survive.
I am rather stumped as to what other flowers to grow to go with tulips, other than doronicum. The very last of the late narcissus were done too soon, before Mother's Day. I'm thinking about growing some bleeding hearts for that. I don't know how long they last as cuts, though.
I have a big hole in production now - I'm not even going to market. I planted bearded iris, painted daisies and lupines last year to fill this slot, but none are ready yet. Perhaps they'll be earlier next year. I'm open to suggestion as to what will work, although cool-summer, short-season zone 5ers might be the only folks who can help me with that.
PEONIES. They start right about now. They also help fill that void. The Asiatics are starting--those that have been grown in the hoophouse. The foxglove are just about ready, along with Campanula. Oh, and Sweet William. Viburnum, 'Snowball', Tulip Tree are some others.
I am really suffering from market fatigue. Just finished one today. We have another on Saturday. And, next week two more markets start for us. It's starting to rain; and, I really, really want a nap................
You're about a month ahead of me. Last year it wasn't until about the 23rd of June that I had peonies open. I have some of the other things you mentioned, but again, it will come later in June. Glad your markets are going well, it sounds like you'll be busy all summer.
Jeanne, I'm not all that crazy about the dornonicum, as not all the stems are really tall. I like it in my own garden, but for a cut it isn't my favorite. Bleeding heart would be very useful and I could use more of that. The white is really nice, and it does last. Unfortunately I don't have enough of the right color combinations in my tulips. I bought too many of the monsella variety, and although they last a really long time, they aren't selling well, and are very fragrant. I like that, but not everyone does. So I should plant some more varieties this fall. What are your favorites?
Jeanne, what about lilac? Does it bloom in time for the tulips? I use white lilac/tulips about the last 3rd of my tulip season. I Also have a deep purple one but the blooms are not prolific enough (Frank Klager) to share many. THe slugs make havoc of my doronicums. THey must be their favorite flower ever! EVEN SLUG BAIT DOESN'T SEEM TO ABATE THE DAMAGE.
I am between duck flocks right now. My older 2 remaining ducks are confined to the dahlias garden and my 5 little ones aren't quite ready to free range yet. THey are sending their first night outside in the outside duck house tonight. I started with an order of 15, half arrived dead, then 2 more died, then another one several weeks later. Yesterday our cat got another who had escaped out of its fence....guess that duck won't learn to behave! Today I just ordered 15 more that will arrive in late June. & ducks is not enough to start a year with knowing the potentail attrition from raccoon attacks. An ideal flock for me is about 6-8. Going to be a whole lot of quacking going on!
Sorry, got off topic here. Tired out from the heat tonight.
I've forgotten what heat is. It hasn't been above 65 yet this year, and lately, with all this rain, we've been upper 40's to about 52. Very slow, and late for a lot of vegetable farmers.
My lilac bushes won't be in bloom for probably another week or two. I just looked up last year's bloom schedule, but I forgot to write down lilac. I have the above mentioned Jeanne, painted daisy, lupin, ect. And another good cut is English wallflower. That bloomed last year on June 13th, Iris and Lupin the 14th, columbine and Painted daisy the 15th, siberian iris the 20th, Delphiniums, peonies, and valerian on the 27th. SO, I've got to figure out some other flowers for May. Any suggestions out there after looking at what blooms here in June?
This is why some growers in our climates have gone to hoophouses for season extension for both ends of the season. It is hard to have very many other flowers in bloom in the field in May especially since we had snow just a couple of weeks ago.
In an unheated hoophouse one can have: anemone, delphinium, dianthus, Dutch iris, larkspur, snapdragons, stock, sweet peas, lisianthus, campanula, and Karma dahlias for those important early sales.
Flowerfarmer, you're at least a month ahead of me! Some of the peonies look like they might bloom in about three weeks, but most of them will be later. A few of the foxgloves are just starting to form the first bits of what will be flower stalks. Everything else is several weeks out. Cold nights, short season, etc. If I had grown Asiatic lilies in the greenhouse, they might be close to ready now, but I didn't. Orientals and a Longiflorum-Oriental hybrid are my only greenhouse lilies. My greenhouse is small, so space is very precious and used mostly on the big-money flowers. The outdoors Asiatics and Asiatic-Longiflorum crosses are at least two weeks out, maybe three.
Cheryl, my favorites so far are these Single Late (also called French or Scheepers) varieties: Maureen, Big Smile, and Queen of the Night, and Lily-flowereds White Triumphator and Mariette. Maureen is BIG. It starts ivory and turns white. Big Smile, yellow, is HUGE, even bigger than Maureen, and the biggest tulip I've ever seen (many customers say that also). I've also grown Single Lates Menton (good-sized, a lovely color, pink with tinges of apricot) and Kingsblood (red, average-sized), and they are very nice, especially the color of Menton when combined with Queen of the Night, but they don't have the Wow factor of Big Smile and Maureen. I'll grow them again, though.
In the Lily-Flowered, White Triumphator starts sort of a greenish off-white and turns white. Mariette is a deep pink. I'll grow both of those again. There was a yellow Lily-Flowered I grew once and will grow again, but I've lost its name. I've grown Lily-Flowered Elegant Lady (or something like that) whose colors are muddy, just not terribly useful and not as good as they look in catalogs. I won't grow it again.
ALL of the Single Lates I've grown had just-barely-cut-able stems the first year and VERY long stems the second year. Ditto the Lily-Flowereds, although they weren't as long as the Single Lates either year. Queen of the Night, a Single Late, is a rather small flower but has a long stem and is absolutely wonderful combined with practically anything else. With Menton it's a knockout.
I don't recommend Bleu Aimable. I think AMG classified it as a Single Late. It's just too short and stays that way.
On going outside and looking at the last few tulip blooms, I think Kingsblood might be a Lily-flowered. It's good no matter who it is, and has nice long stems. And I didn't mention Sorbet, a white with pink stripes or streaks. I honestly don't know whether it's a Single Late or a Lily-flowered. The flowers are quite small but they're on long stems and the colors are fantastic. I'll grow it again.
As usual, I talk too much!
Even with all that babbling, I forgot to mention Allium Purple Sensation. It overlaps with the last of the tulips by one or two weeks. My tulips are done, and right now Purple Sensation allium is the ONLY flower I've got. Oh, and two stems of monkshood that bloomed way ahead of the rest of the stems on the plants, for no known reason. The Doronicum are done. I guess I'll put some allium and monkshood on my dining-room table.
LizaLily, yes, the lilacs were in time for the tulips, but I don't have enough blooms to cut yet. In fact, I only have three bushes and they're in my house garden. I guess I'll have to get some more and plant them in the cutting area. Just plain old Syringa vulgaris is so happy here, it naturalizes. You can see big thickets of it where old houses were a long time ago, getting no attention whatsoever and thriving. I want a darker purple also, and maybe some white. The sooner, the better, but I just have no time to research and shop for them right now. I'll get some next spring, I guess. Then it will be at least six years before they bloom much. I need some fruit trees just for the flowering branches also. Next year!
(Another zone 5er popping in here-- I expect peonies in 3-4 weeks, also -- I'm SO excited, I see at least about 50 buds forming!!!)
Can someone tell me more about doronicum-- species name, etc?? (I googled doronicum and got SO much information I didn't know what to do with it... I suppose I shoudl go check Germania catalogue)
Here, lilac starts right about the same time the tulips finish, and about the same time as iris and allium purple sensation. I do have some wildish purple lupines (VERY tall stems) which sold well this weekend and hopefully next. But I, also, have a BIG void right now and also have nothing to sell with the tulips at all, as I don't even have this doronicum (Obviously I need some!). What I'm doing instead is just selling bedding plants in May-- to heck with trying to have flowers at this time of year! Nevermind! :)
And back to the original question, I grew Queen of Sheba (a lily-flowering tulip ) and the stems were plenty strong and customers LOVED it. Gobbled it up. I'm going to put in a lot of lily-flowering and parrot tulips this fall.
Thanks for the suggestions, and also to flowerfarmer for listing what I could grow in an unheated greenhouse. Kristen, I'll look in my catalog for that tulip, I'm all for a stronger stem on the lily type. Another name for Doronicum is leopards bane. It's a wonderful flower in a mixed perennial garden, but I'm having a hard time working it in with tulips. The stems aren't as long as I'd like, and I find I have to cut the whole stem where 2 or 3 of the flowers are in bud stage. So I would have to cut quite a bit of the stem off my tulips to make it look right. One thing that works very well with tulips, and I need more, is Solomons seal. It looks elegant with tulips, it adds a bit of greenery, plus the bonus of those white flowers that hang from under the leaf.


text:
Konica Minolta announced that the PageScope Mobile Android App 2.0 is now available for customers with Android mobile devices.
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The PageScope Mobile Android App 2.0 will now include:
The PageScope Mobile App 2.0 is available for free from the Google Play Store and supports Android OS 2.2, 2.3, 3.1, 3.2, 4.0 and 4.1.
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Plan Specification: HHF-7746
Total Square Footage: 2,030Main Level: 1,280Second Level: 822Bonus: 145Bedrooms: 3Baths: 2 Half: 1Garages: 0Width: 27 ft Depth: 52 ftFoundation: Crawl Space, Slab
© copyright by designer |
Plan: HHF-7746Stacked porches contribute to comfortable lifestyle. The primary central living areas are all open with the activity room sporting a two story ceiling creating a sense of spaciousness. The kitchen includes angled counters and a large snack bar. The master suite is a lovely retreat.
Similar plans: none
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Grayson and Leeds can march on
The Whites' 1-1 play-off semi-final second leg draw against Millwall in front of a packed Elland Road on Thursday night means Leeds face another campaign in English football's third tier after they lost the tie 2-1 on aggregate. Jimmy Abdou's equaliser at Elland Road ensured Millwall a trip to Wembley to face either MK Dons or Scunthorpe United. Luciano Becchio had earlier put Leeds 1-0 up on the night and 1-1 on aggregate after Jermaine Beckford had missed a penalty. Beckford has had a superb season, netting 34 goals in all competitions, but you can't pass up a golden opportunity like a penalty in such a crucial match. A big shout needs to go out to the Leeds fans, who will be feeling devastated today as they come to terms with the aggregate defeat. The 37,036 who turned up created a superb atmosphere and as Grayson said after the match, the fans "deserve to go up". I feel Grayson is the right man for the job and can lead United to promotion despite the crushing setback. He led Blackpool to promotion to the Championship, ironically via the play-offs, two years ago and kept the Tangerines in the second tier last season. It's clear Grayson is now targeting automatic promotion next season rather than the lottery of the play-offs. The Leeds chief said: "We'll get over it, start again and give it a real good go for automatic promotion next season." Grayson arrived at the club in late December after the departure of Gary McAllister and since then Leeds have played 27 matches in total (League One and the play-offs), with 16 wins, five draws and six defeats in total, which is a good record. As we have seen with the likes of Nottingham Forest and Sheffield Wednesday, big clubs coming down from the Premier League and Championship have no divine right to walk the league and win promotion. Forest were in the third tier for three years before they went up last season. Promotion will be tough but I don't think Leeds have anything to fear. United have quite a settled side and with a few additions, perhaps Sam Sodje from Reading, I think they will have a real chance next season. But can Leeds keep hold of striker Beckford and young midfielder Fabian Delph? Hopefully both will stay as it would improve Leeds' promotion bid and the Whites can go up.
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S&P 500 Elliott Wave Analysis – 10 May 2012 – A Big Move is Coming
I published an article on 03 May 2012 suggesting that a big move is coming soon as a lot of the charts that I track are pointing to mid May 2012. I attach here the extract of the article.
In Oct 2011, I was getting bullish signals from Asian indices but the S&P 500 was bearish. It was a point of inflexion where I could not tell for sure which way the market was going to go. It turned out to be bullish. Currently, I am getting bearish signals from Asian indices and counters that I'm tracking, but the S&P 500 is still bullish as it is pointing to 1475 or even 1550 as the next target. It is once again at a point of inflexion and one needs to watch the markets closely to stay safe. One of the most difficult forecast is pin pointing the exact time of a market turn, but, a large number of my charts are pointing to a big move in mid May time frame. When the majority of charts points to a single area, it must be taken seriously.
You can refer to the article here.
I believe that the markets have reached a high point at 1422 with all the might the bulls have. The market has been waiting for QE3 to go further and since QE3 is off the table for now, it does throw a very bearish tone on top of the bearish view due the elections in France and Greece. The surprising part is that the S&P 500 did not head south strongly with such bearish tone and this throws a big spanner in the works. Let's take a look at the technicals to see where the stock market stands.
The S&P 500 is now sandwiched in a zone between two important support resistance lines. Firstly, there is the neck line of the Head and Shoulders formation to the topside and secondly, is the red support line of the Expanding Triangle scenario. The S&P 500 is now ranging between these two lines and it is hard to tell which direction it is heading to. We can try to make use of the previous waves to give us clues to this question. Thinking along this line, the previous wave is a clear impulsive downwards wave and this ranging action is looking corrective. Based on this it points to further downside.
Going back further to the action from early April as the market moved down from 1422, we can see that the move down has been impulsive and stronger than the upwards retracements which is looking corrective and choppy. Still, it is hard to point to a clear direction.
At this juncture, it is best to wait for further action and a clear direction before taking any positions. A break below 1340 will confirm the Head and Shoulders formation with a target around 1290. And a break to the upside in a clear and strong impulse will point to further upside to 1475. I believe that we will likely see a big move by early next week.
S&P 500 Fibonacci Confluence
The S&P 500 is now sandwiched between two Fibonacci levels of 1352 and 1362.
S&P 500 Volume and MACD
The volume is once again thin. The MACD has clearly turned down and head south.
Do tell me what do you think about the article. I would be delighted to hear your views.


text:
Story: Feb 18, 2015
CIA students create appealing designs for co-working space
Events: Jan 19, 2015 @ Museum of Contemporary Art Cleveland in Cleveland, OH
CIA Freshman Mail Art at MOCA
Story: Feb 11, 2015
Furniture design competition brings student work to MOCA Cle...
CIA Exhibition: Feb 13, 2015
69th Annual Student Independent Exhibition
Social: 2 days ago via Facebook
Students from Texas, Wisconsin, Pennsylvania, and South Carolina are being awarded cash prizes and thousands of dollars of scholarship money as winners of CIA's...
Story: Jan 09, 2015
Time-lapse video shows completion of major construction on n...
Events: Feb 24, 2015
CIA Financial Aid Nights
Story: Nov 03, 2014
CIA video shows off new Uptown Residence Hall
Events: Mar 21, 2015
Spring 2015 Open House
Story: Aug 18, 2014
CIA again named to "Best in the Midwest" list
Academics . Illustration . Faculty . Anthony Scalmato
Anthony Scalmato
Title Assistant Professor/Chair of Animation/Interim Chair of Game Design
Department Illustration
Phone 216.421.7325
Courses Advanced 3D Animation | BFA Research + Preparation | BFA Thesis + Exhibition | Concept Development I | Intro to 3D Animation: Character | Intro to Animation | Layout Rendering Techniques
Anthony Scalmato is the Department Chair of Animation and the Interim Department Chair of Game Design at the Cleveland Institute of Art. He has created more than a hundred published works which have been viewed on television, web and mobile devices. Before joining CIA, Scalmato worked as a Senior Creative Developer at American Greetings where he provided animations, illustrations and art direction for products that are viewed globally by millions of people every month. His clients include Applebee's, Disney, Pixar, Sony, UPS, Taylor Swift, Wal-mart, M & M's, Ferraro Chocolates and many other fortune 500 companies.
In 2011 Scalmato was awarded the American Greetings Chairman's Award for Creativity and Innovation. He has also received over a dozen "Best Animation" awards from film festivals around the world. In addition to teaching, he continues to work as a freelance artist for many clients and as a contractor for American Greetings.
Degree BFA, Cleveland Institute of Art
Illustration students in Adjunct Professor Bradley Ricca's Graphic Narratives class wowed the crowd at the fifth annual Genghis Con Comics and Arts Festival.
While at CIA, you'll learn from the masters through our rigorous, world-class curriculum and connect with working professionals to begin your career.


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Finding the best restaurants, foods, burgers, and sandwiches in Toronto, Portland, and the U.S.
Friday, October 11, 2013
Shoyu - Minneapolis St Paul International Airport MSP
I noticed that some call this place Taste of Shoyu but I'm not sure where that comes from as it is just "Shoyu" as noted in the photo and the MSP airport website calls this "Shoyu".
It's located at the can't miss entry of Concourse G and takes a lot of real estate.
You sit at a table, order your food via the iPad tablets, included the tip pre-service, pay with a credit card you slide through the reader, and then your server brings out your food.
It's missing the purple hue because it's not fresh but pickled eggplant that's used. Everything in the bowl was delicious except the duck. The duck was bland, just kind of there without any notable flavor, herbs, or spices to accentuate the duck flavors. The ramen had the desirable umami savory flavor. The pickled eggplant provided a tart textural contrast to the noodles. And of course everything tastes better with a runny egg.
Overall very comforting if expensive. Do you know how many boxes of ramen can be bought with $14? But then I suppose that's how they offset the cost of the iPads.
Updated Feb 2014
Shoyu certainly knows presentation. Short Rib Noodle bowl or something like that. Flavorful, savory umami, great mouth feel. Not enough food for the money and gone all too soon.
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"Heat and Meat" Fun Facts — The Next Iron Chef
by Sara Levine in Shows, November 2nd, 2011
Behind the scenes on the Next Iron Chef, Food Network's culinary production team is responsible for making sure that the rival chefs have everything they need to cook and present their dishes — from a stocked pantry to plenty of serving vessels. They shared some fun facts about what it took to pull off the "Heat and Meat" challenge in episode one.
What materials were purchased for the chefs to create heat in the wilderness?
Wood: 2,000 pounds
Fire-safe bricks: 200
Stainless-steel sheet metal: 550 pounds
Rebar rods (carbon steel rods): 25 feet
Other than the fire pits and wood, bricks and metal, what was provided for each chef team to cook with?
One cast-iron camp oven
Two bowls
Two cutting boards
Two cast-iron skillets
Cast-iron grill grates
Two gallons of water
What did you do with the five fire pits that were purchased for the challenge once it was over?
They were donated to a group of Boy Scouts who were camping in the area the following weekend.
More behind-the-scenes extras from the Super Chefs premiere:
- Top Moments From the Heated First Episode
- Inside Chef Spike's Journal
- Heat and Meat, Plus Battle Scallop: See the Dishes Up Close
Similar Posts
What to Watch: Family Bonding on Farmhouse Rules and the Series Premiere of All-Star Academy
This weekend, get great recipes from The Kitchen and Farmhouse Rules and tune in for three hours of competition starting Sunday at 8|7c, featuring the...- The All-Star Academy Mentors Talk Competitive Strategy — and Some Serious Smack
- One of These Things Is Not Like the Other — Chopped After Hours
- Home Cook Cheat Sheet: Measurement Conversion Guide [INFOGRAPHIC] — All-Star Academy
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Comments (
82 )-
Chef Robert Irvine is the best chef on the show.. I am really disappointed he was wrongfully booted from the show. There are some less experienced chefs still remaining. I think the judges made a mistake this time. Correct me if I'm wrong.. but being an Iron Chef means you have to be CREATIVE and come up with new dishes on the spot that you haven't made before… which is exactly what Chef Irvine knows how to do. And… isn't it a no brainer that Chef Chiarello is going to make good pasta? How many times are you going to win in kitchen stadium making pasta every time? ??
I agree. Irvine went home! and Zakarian doesn't follow instructions and wins…and Chiarello only uses the secret ingredient once….and Samuelson is still there….
Does a computer engineer play a important role in designing an aircraft ?
I love this show, faithful viewer..
Both my wife and I were astounded that Chef Irvine lost for his creative dish that really showcased the secret ingredient, while Chiarello totally played it safe and made a stupid boring pasta that only used the ingredient in half of his dish! Weakness! We protest and demand he be reinstated!
Robert Irvine was robbed! He is the best chef out of all them and that includes the judges. I'm angry about this! Food Network needs to come and read these comments and see how we feel about the whole situation!
Yes that is true How can McMillan win this thing arrrrrg! Spoiler alert on The Best Food I Ever Made they put up Beau's credentials which included winner of Iron Chef America????? Thanx Food Network ????? They also put up Executive Chef under the person who won Chef Hunter while they were still promoting that show in advance of the series start date
Really I hadn't seen that yet! I am pissed! I'm done with this show! Food Network can KISS MY ASS!
Does this mean that you'll be done with the blog too? Please.
Well clearly McMillan didn't win. So all of the conspiracy theorists and those who are SO sure they have it all figured out can go back to the drawing board. Or – here's a thought – just sit back and watch the show. Roll with the punches and remember that it's just a cooking show. Not life or death, and the fate of the free world is not at stake.
I turned this show off the minute I saw the the judge rigging on Episode two.
It was quite obvious that Robert Irvine was not only better in the duo competition but also was absolutely NOT in the bottom two in the original challenge..
Good job on completely discrediting the show and partly the channel after this fiasco.
Robert Irvine is 3 leagues above any of those judges. How did those bottom feeders end up on the panel anyhow? Simon is obvious biased. Watch the 2nd episode again.
Is anyone reading this, other than the fans? I am having no fun watching the show anymore, since Robert Irvine was robbed and kicked out. You gotta find a way to bring him back. And get respectable judges next time.
Anne Burrell… We all know you have it, it's time to start turning it up a knotch or 2, bring it! I think it's all apart of your strategy… Very smart! Keep it up, you go gurl! You are the only one who deserves… the only one who is TRULY worthy of being an IRON CHEF! Infact you could kick Cat Cora's a$$ around the world twice! I have been a Iron Chef fan from the beginning… since the Japanese version. Alex is probably your biggest threat right now… My only concern is that you have to learn how to perform under pressure… Relax, and don't go safe anymore because the competition is starting to heat up now… & Even if I've been an Iron Chef & FoodNetwork fan all these years, I swear I will NEVER watch it again if you lose this… Good luck, my heart is with you…
I really enjoy Next Iron Chef, and "Superchefs" has featured the most impressive cooking yet. However, I am a little jaded. Sometimes I wonder if FN hasn't already chosen the "next" iron chef and the rest is just Hollywood. Did Robert Irvine sign up to go through the motions, knowing he didn't want to commit to Iron Chef? Was he playing along? Do they each just sign up so they can build their "brand" as a TV chef? Either way, I enjoy watching them cook. They inspire me to be a more discerning restaurant consumer, and a more creative home cook.
I really am disappointed that Chef McMullian was chopped…the judges kept saying only one dish for the run off last night but the one made two dishes and one was better than the other but yet McMullian was chopped what a waste the judges are showing bias…and I agree if the arrogant t Michael continues on it is truly a waste of time as then we know the show already had decided….I am really mad about last night's show.


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text:
This is the consequences of my girlfriend hiding my mail…
She doesn't do it on purpose… she just isn't very good at tidying. When she finds post out on the table, rather than open it and deal with it, she'll disinterestedly shove it into a drawer and meander away to busy herself with something else.
Cut to today: As I tried to tidy the house in the wake of the mess she regularly makes from shoving things in places; I found a letter from a month ago, politely informing me that I was supposed to have appeared in court two weeks ago, because the council hasn't been charging me my council tax (I think that may be called home owner's tax for you Americans?), and it has built up to over a £1000. Sorting through more letters, there was one from 13 days ago that said I had 2 weeks to come up with money, or repo men will come and take my shit.
I called them straight up and it's all sorted… I just need to not eat for the next few months while I pay it off; along with regular council tax, mortgage, electric, water, internet/phone line, and fuck me… since when did being an adult suck so fucking much!?
Screw this, you guys… I'ma go play video games and read comic books. I'd like to see the council goons get in if I barricade the damn door.


text:
I thought the iPad was the best tablet for kids until my toddler dropped it face down resulting to a cracked screen. Yep, the iPad's screen cracked and it's not even two weeks. It was a mistake to leave him with the iPad. I regret that I didn't get a super tough protective case right away. I just bought an ordinary cover. Who knew that such will happen. Oh well, the iPad is now off limits too him. Perhaps I'd just get a cheaper tablet or this Vinci Tab II made especially for kids.
The tablet for kids is now being offered by SkyMall and Amazon. Other shopping websites like Yoyo, Diapers, ToysRUs.com, and Walmart will next month carry the Vinci Tab II.
The tablet is packed with the following:
- 7-inch display screen
- 800×480 pixel resolution
- 3-megapixel camera
- 1.2GHz Cortex A8 processor
- 8GB built-in storage
- microSD card slot
The $249 Vinci Tab II runs an unidentified Android OS version. It's already packed with apps, storybooks, and animated music videos for the kiddos. It's got WiFi but a non-WiFi version is available for $199 only.


text:
Amateur (Ham) Radio in New Zealand
From LCA2010
(→BOF session) |
(→Interested in Attending) |
Line 31: | Line 31: | ||
* ZL2PU (Jim Pye) | * ZL2PU (Jim Pye) | ||
* VK5FPAW (Paul Schulz) | * VK5FPAW (Paul Schulz) | ||
+ | * Michael Malone | ||
== Information for VKs == | == Information for VKs == | ||
According to the WIA only the advanced licence meets CEPT. Standard/Foundation calls can not operate in ZL under the reciprocal licencing system. | According to the WIA only the advanced licence meets CEPT. Standard/Foundation calls can not operate in ZL under the reciprocal licencing system. |
Current revision
Contents |
Welcome to all Ham Radio operators to Linux.conf.au 2010.
New Zealand has favourable operating terms that will allow most visiting radio amateurs to operate on-air in NZ for up to 90 days with little administrative overhead. Bring your radio!
The New Zealand Association of Radio Transmitters is the national association for ZL's. Their site contains a useful information relevant to visiting hams, and the New Zealand Ministry of Economic Development (the agency responsible for radio licensing) host official information as regards reciprocal licensing.
Local Branches and Radio Resources:
- Wellington VHF Group (ZL2WA, Branch 74 NZART) operate several repeaters and beacons in the Wellington area (ref http://www.vhf.org.nz/OurRepeaters ) - their website http://www.vhf.org.nz may be of interest. Of note is the Belmont repeater site, hosting an 2m repeater (147.100+) which has excellent coverage of the wider Wellington area. The 70cm repeater at Mt Victoria (439.500-) should provide excellent service in the area of the conference.
- Upper Hutt Amateur Radio Club (ZL2VH, Branch 63 NZART) operate a 2m repeater above Upper Hutt (147.300+) which is accessible via IRLP (#6931) and can be worked across the Hutt Valley and parts of central Wellington. For more information refer to http://www.zl2vh.org.nz/
- Lower Hutt Amateur Radio Club (ZL2HV, Branch 18 NZART) operate a 2m repeater above Lower Hutt (147.000-) which can be reliably worked within the Wellington and Hutt Valley areas. For more information refer to http://www.zl2hv.wellington.net.nz/
Repeater Offsets in New Zealand are as follows:
- 2 Meters Up to 147.000Mhz: -600khz
- 2 Meters from 147.005Mhz-147.995Mhz: +600Khz
- 70 centimeters: +5Mhz
Wellington based amateurs known to be attending LCA2010 include Jim Pye ZL2PU and Mark Foster ZL1VMF, who both contributed to this page. Feel free to ask us for assistance.
BOF session
It was suggested on the lca2010-chat list that a bof session be held. In response a BoF has been booked for Thursday 21st at 1430hrs, to be held in Civic Suite 3.
Interested in Attending
If your interested in attending a bof, record your name below.
- VK5FOSS (Karl Goetz)
- ZL2UMF (Brenda)
- ZL1VMF (Mark Foster)
- ZL4TRS (Robin Sheat)
- ZL2PU (Jim Pye)
- VK5FPAW (Paul Schulz)
- Michael Malone
Information for VKs
According to the WIA only the advanced licence meets CEPT. Standard/Foundation calls can not operate in ZL under the reciprocal licencing system.


text: Hi there I just want to know if it is possible to delete those locale-thingys, installed by glibc? (I didn't understand the localedef-command while installing lfs, so I've installed all of them. But now some programs won't compile because of the zh* locales...) Thanks in advance Jeriko -- Unsubscribe: send email to listar at linuxfromscratch.org and put 'unsubscribe lfs-support' in the subject header of the message


text:
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Quotes & Info
HFFC > SEC Filings for HFFC > Form 10-Q on 7-Feb-2014 | All Recent SEC Filings |
Quarterly Report
� descriptions of plans or objectives of management for future operations, products or services, transactions, investments and use of subordinated debentures payable to trusts.
� forecasts of future economic performance.
� use and descriptions of assumptions and estimates underlying or relating to such matters.
Forward-looking statements are subject to certain risks and uncertainties that
could cause actual results to differ materially from our historical experience
and our present expectations or projections. Factors that could cause actual
results to differ from those discussed in the forward-looking statements
include, but are not limited to:
� adverse economic and market conditions of the financial services industry
in general, including, without limitation, the credit markets;
� the effect of recent legislation to help stabilize the financial markets;
� increase of non-performing loans and additional provisions for loan losses;
� the failure of assumptions underlying the establishment of reserves for loan losses and other estimates;
� the failure to maintain our reputation in our market area;
� prevailing economic, political and business conditions in South Dakota and Minnesota;
� the effects of competition from a wide variety of local, regional, national and other providers of financial services;
� compliance with existing and future banking laws and regulations, including, without limitation, regulatory capital requirements and FDIC insurance coverages and costs;
� changes in the availability and cost of credit and capital in the financial markets;
� the effects of FDIC deposit insurance premiums and assessments;
� the risks of changes in market interest rates on the composition and costs of deposits, loan demand, net interest income, and the values and liquidity of loan collateral, and our ability or inability to manage interest rate and other risks;
� changes in the prices, values and sales volumes of residential and commercial real estate;
� an extended period of low commodity prices, significantly reduced yields on crops, reduced levels of governmental assistance to the agricultural industry, and reduced farmland values;
� soundness of other financial institutions;
� the risks of future acquisitions and other expansion opportunities, including, without limitation, the related time and costs of implementing such transactions, integrating operations as part of these transactions and possible failures to achieve expected gains, revenue growth and expense savings from such transactions;
� security and operations risks associated with the use of technology;
� the loss of one or more of our key personnel, or the failure to attract, assimilate and retain other highly qualified personnel in the future;
� changes in or interpretations of accounting standards, rules or principles; and
� other factors and risks described under the caption "Risk Factors" in our most recent Annual Report on Form 10-K and subsequently filed quarterly reports on Form 10-Q.
Forward-looking statements speak only as of the date they are made.
Forward-looking statements are based upon management's then-current beliefs and
assumptions, but management does not give any assurance that such beliefs and
assumptions will prove to be correct. We undertake no obligation to publicly
update or revise any forward-looking statements included or incorporated by
reference in this Form 10-Q or to update the reasons why actual results could
differ from those contained in such statements, whether as a result of new
information, future events or otherwise, except to the extent required by
federal securities laws. Based upon changing conditions, should any one or more
of the above risks or uncertainties materialize, or should any of our underlying
beliefs or assumptions prove incorrect, actual results may vary materially from
those described in any forward-looking statement.
References in this Form 10-Q to "we," "our," "us" and other similar references
are to the Company, unless otherwise expressly stated or the context requires
Executive Summary
The Company's net income for the first six months of fiscal 2014 was $3.1
million, or $0.45 in basic and diluted earnings per common share, compared to
$3.1 million, or $0.44 in basic and diluted earnings per common share, for the
first six months of fiscal 2013. This resulted in a return on average equity
(i.e., net income divided by average equity) of 6.48% and 6.28%, respectively,
in the year-over-year comparison, while the return on average assets (i.e., net
income divided by average assets) was 0.50% and 0.53%, respectively.
Net interest income for the first six months of fiscal 2014 was $14.6 million,
an increase of $45,000, or 0.3%, compared to the same period a year ago. For
the comparative time-frames, average interest-earning assets and average
interest-bearing liabilities increased 8.3% and 5.9%, respectively. The average
yield on interest-earning assets decreased to 3.28% for the first six months of
fiscal 2014, compared to 3.68% a year ago, a decrease of 40 basis points, due
primarily to the repricing of adjustable rate loans and competitive pricing
pressures in a low interest rate environment. In addition, this economic
environment impacts the yields on investment securities and other short-term
investments and prepayment speeds of mortgage-backed securities purchased at a
premium. For the six months ended December 31, 2013, cost of deposits, which
include all interest-bearing and noninterest-bearing deposits, decreased by 16
basis points to 0.44%, compared to 0.60% for the same period of the prior fiscal
The net interest margin expressed on a fully taxable equivalent basis ("Net
Interest Margin, TE") for the six months ended December 31, 2013 was 2.51%,
which is a decrease of 19 basis points from the same period of the prior fiscal
year. Interest-earning asset average balance increases contributed to an
increase of $1.4 million in interest revenue, primarily driven from the increase
in average loan and lease receivable balances of 6.1%, when compared to the same
period of the prior fiscal year. Conversely, the average balances of FHLB
advances increased by 23.2%, which contributed to an increase in interest
expense of $490,000. Net interest income attributable to the increases in
average balances of interest-earning assets and interest-bearing liabilities
amounted to an increase of $958,000 for the six month period. The yield on
interest-earning assets decreased by 40 basis points and resulted in a decrease
of interest income of $2.1 million, while the rate paid on interest-bearing
liabilities decreased 23 basis points and resulted in a decrease in interest
expense of $1.2 million. Net interest income attributable to changes in rates
amounted to a net decrease of $913,000 for the six month period. The combined
effects of volume and rate changes resulted in an overall net interest income
increase of $45,000 for the six months ended December 31, 2013 when compared to
the same period of the prior year.
Average FHLB advance balances increased to fund the increased interest-earning
assets, but generated lower interest expense due to the reduction in rates paid
and higher cost advances maturing during the current six month period.
Subordinated debentures payable to trusts contributed to the reduced interest
expense in the current fiscal year due to the extinguishment of $3.0 million of
debt during the fourth quarter of fiscal 2013. A sustained overall decline in
the interest rate yield curve has affected both the yield for the
interest-earning assets and the cost of interest-bearing liabilities. Net
Interest Margin, TE is a non-GAAP financial measure. See "Analysis of Net
Interest Income" for a calculation of this non-GAAP financial measure and for
further discussion as to the reasons we believe this non-GAAP financial measure
is useful.
Total loans increased by $50.0 million during the current fiscal year to $745.8
million at December 31, 2013, compared to $695.8 million at June 30, 2013 and
$677.6 million at December 31, 2012. Commercial real estate and agricultural
lending portfolios increased by $56.8 million and $10.2 million, respectively,
since the prior fiscal year end, while strong underwriting standards remain in
place. Residential mortgage loan originations were tempered by the recent rise
in long term interest rates which has begun to slow refinancing activity.
Refinancing of single family loans has contributed to a decline in the consumer
home equity portfolio. We believe the increase in average loan balances was
attributable to a gradual improvement in general economic conditions, resulting
in the willingness of borrowers to consider incurring more debt to support
growth in their businesses, while also acknowledging that we continue to operate
in uncertain national economic and fiscal conditions. We believe that the
operating environment has resulted in increased competition among financial
institutions for loan demand from credit-worthy borrowers.
The allowance for loan and lease losses decreased by $138,000 to $10.6 million
at December 31, 2013, compared to June 30, 2013. The ratio of allowance for
loan and lease losses to total loans and leases was 1.42% compared to 1.54% at
June 30, 2013. The overall loan balances increased by $50.0 million during the
first six months of fiscal 2014, while the amount of classified assets decreased
by $12.7 million to $27.5 million at December 31, 2013. The Company continues to
pro-actively manage its problem assets which have been enhanced by improving
conditions in the regional commercial and agricultural markets. The provision
for loan and lease losses, which results from adjusting the allowance for loan
and lease losses to the estimated amount needed to reserve for the loan and
lease portfolio, was $19,000 for the first six months of fiscal 2014. Total
nonperforming assets at December 31, 2013 were $21.4 million as compared to
$23.2 million at June 30, 2013. The ratio of nonperforming assets to total
assets decreased to 1.71% at December 31, 2013, compared to 1.90% at June 30,
2013. Net charge-offs for the six month period ended December 31, 2013 were
$157,000 and represent 0.04% of gross loans
and leases. The valuation allowance recorded in accordance with ASC 310 on
identified impaired loans decreased to $1.5 million at December 31, 2013,
compared to $2.5 million at June 30, 2013, due primarily due to payments
received on nonaccruing impaired loans, which reduced the principal balance and
the amount of valuation allowance for those credits. The valuation allowance
recorded in accordance with ASC 450 increased by $832,000 due to the effects of
the increase in applicable loan balances since the prior fiscal year end and
management's assessment of the allowance using historical charge-off activity
and environmental factor information. Approximately 59% of the valuation
allowance on impaired loans relates to agricultural loans and, more
specifically, 57% are within the dairy sector. All identified impaired loans are
reviewed to assess the borrower's ability to make payments under the terms of
the loan and/or a shortfall in collateral value that would result in charging
off the loan or the portion of the loan that was impaired.
Foreclosed real estate and other properties totaled $320,000 at December 31,
2013, compared to $564,000 at June 30, 2013, or a decrease of $244,000. The
balance at December 31, 2013 consists primarily of residential loans that were
foreclosed and remained unsold at quarter end.
The allowance for loan and lease losses is calculated based on loan and lease
levels, loan and lease loss history over 12, 36, and 60 month time periods,
credit quality of the loan and lease portfolio, and environmental factors such
as economic health of the region and management experience. This risk rating
analysis is designed to give the Company a consistent and systematic methodology
to determine proper levels for the allowance at a given time. Management
intends to continue its disciplined credit administration and loan underwriting
processes and to remain focused on the creditworthiness of new loan
originations. Management believes that it has identified the most significant
nonperforming assets in the loan portfolio and is working to clarify and resolve
the credit, credit administration, and environmental factor issues related to
these assets to obtain the most favorable outcome for the Company.
Total deposits at December 31, 2013, were $964.2 million, an increase of $65.4
million from June 30, 2013. This increase was primarily due to increases of
$22.7 million from in-market, non-public fund customer deposits, $38.3 million
from public fund deposits and $4.5 million from out-of-market certificates of
deposit. Public funds have seasonal fluctuations due to semiannual tax
collection and subsequent disbursement to entities. Interest rates on deposits
decreased to the average rate paid of 0.53% on interest-bearing deposits for the
six month period ended December 31, 2013, compared to 0.70% for the same period
of the prior year.
On January 27, 2014, the Company announced it will pay a quarterly cash
dividend of 11.25 cents per common share for the second quarter of fiscal 2014.
The dividend will be paid on February 14, 2014, to stockholders of record on
February 7, 2014.
The total risk-based capital ratio of 15.30% at December 31, 2013, decreased by
53 basis points from 15.83% at June 30, 2013. Tier I capital decreased 14 basis
points to 9.42% at December 31, 2013 when compared to 9.56% at June 30, 2013.
These decreases stem from management's successful efforts to generate loan
growth, which require a higher risk-weighting than do investment securities or
cash. These ratios continue to place the Company in the "well-capitalized"
category within financial institution regulations at December 31, 2013 and are
consistent with the "well-capitalized" regulatory category in which the Company
plans to operate. The Company historically has been able to manage the size of
its assets through secondary market loan sales of single-family mortgages.
Noninterest income was $8.1 million for the six months ended December 31, 2013,
compared to $7.2 million for the same period in the prior fiscal year, an
increase of $932,000. This increase was due to a net loan servicing income
increase of $1.9 million and offset by decreases in the net gain on sale of
loans and fees on deposits of $1.0 million and $305,000, respectively. Loan
servicing income increased primarily from the recapture of previously expensed
valuation allowances on the mortgage servicing rights portfolio, and reduced
amortization expenses which were affected by reduced prepayment speeds in the
current fiscal year. The decrease in net gain on the sale of loans reflects
reduced refinancing activities on residential lending in the current fiscal year
due to rising rates since the prior fiscal year. Going forward we expect that
maintaining this level of fee income will be more dependent on customer purchase
activity for new loan originations and less dependent on refinance transactions,
as many borrowers have already taken advantage of historically low market
interest rates. Fees on deposits decreased for the first six months of fiscal
2014 when compared to the same period of the prior year due to a one-time vendor
incentive fee of $600,000 received in the first quarter of the prior fiscal
year. The current period reflects an increase in point-of-sale interchange fees
of $263,000 resulting from an increased fees per transaction and a higher volume
of transactions overall.
Noninterest expense was $18.1 million for the six months ended December 31,
2013, as compared to $17.3 million for the same period of the prior fiscal year,
an increase of $829,000, or 4.8%. The increase was attributed primarily to an
increase in compensation and employee benefits of $1.0 million. Compensation
costs increased primarily due to variable and incentive pay increases of
$437,000 and decreased compensation deferrals related to loan fees under ASC
310-20 of $413,000, which increases net expense. In addition, compensation
increased by approximately $127,000 related to a 1.7% increase in average
full-time equivalents ("FTE's") for the first six months of fiscal 2014 compared
to the same period in the prior fiscal year. Staffing additions have been
directed toward revenue-based functions and have produced positive net growth in
loan volume. In addition, costs incurred for severance pay of executive and
closed branch staff added $85,000 of compensation expense during the current six
month period. Pension plan expenses, which are determined annually based upon
actuarial analysis, increased by $102,000 for the six month period ended
December 31, 2013, as compared to the same period of the prior year. Partially
offsetting compensation expense increases were the reduced health claims costs
of $126,000 in the year-over-year comparison. Check and data processing,
professional fees, marketing and community investment, and foreclosed real
estate and other properties, net collectively decreased by $219,000 for the six
month period ended December 31, 2013 as compared to the prior fiscal year due to
efficiency initiatives which continue to be executed.
The Company is a financial services provider and, as such, has inherent risks
that must be managed in order to achieve net income. Primary risks that affect
net income include credit risk, liquidity risk, operational risk, regulatory
compliance risk and reputation risk. The Company's net income is derived by
management of the net interest margin, the ability to collect fees from services
provided, by controlling the costs of delivering services and the management of
loan and lease losses. The primary source of revenues is the net interest
margin, which represents the difference between income on interest-earning
assets (i.e. loans and investment securities) and expense on interest-bearing
liabilities (i.e. deposits and borrowed funding). The net interest margin is
affected by regulatory, economic and competitive factors that influence interest
rates, loan demand and deposit flows. Fees earned include charges for deposit
and debit card services, trust services and loan services. Personnel costs are
the primary expenses required to deliver the services to customers. Other costs
include occupancy and equipment and general and administrative expenses.
Financial Condition Data
At December 31, 2013, the Company had total assets of $1.25 billion, an increase
of $36.8 million from the amount at June 30, 2013. Total loans and leases
receivable increased $50.0 million, while total investment securities decreased
$12.4 million. Total liabilities increased $36.4 million primarily due to an
increase in deposits of $65.4 million and partially offset by a decrease in
advances from the FHLB and other borrowings of $28.8 million. Stockholders'
equity increased $426,000 since June 30, 2013, primarily due to net income of
$3.1 million and offset by an increase in accumulated other comprehensive loss
of $1.2 million and by the payment of dividends of $1.6 million.
The increase in loans and leases receivable, net, which excludes loans in
process and deferred fees, was $50.2 million due to the increase in loan
balances. Commercial real estate and agricultural loans increased $56.8 million
and $10.2 million, respectively. The investment securities available for sale
decreased $28.0 million primarily due to the sale of securities and principal
cash flow during the first six months of fiscal 2014. Total proceeds on the sale
of securities available for sale during the current fiscal year were $34.8
million for a net gain on sale of $358,000. During the first six months of
fiscal 2014, the Company purchased investment securities classified as held to
maturity and carried an amortized cost of $15.6 million at December 31, 2013,
compared to no securities classified as held to maturity at June 30, 2013.
Loans held for sale decreased $5.2 million, to $4.0 million at December 31,
2013, primarily due to timing of mortgage financing activity sold to secondary
market investors and the resulting amount of one-to four-family loans held for
See the Consolidated Statement of Cash Flows for a detailed analysis of the
change in cash and cash equivalents.
Deposits increased $65.4 million, to $964.2 million at December 31, 2013, due to
a $22.7 million increase from in-market, non-public fund customer deposits,
$38.3 million increase in public fund deposits and $4.5 million increase in
out-of-market certificates of deposit. Advances from the FHLB and other
borrowings decreased $28.8 million, to $138.3 million at December 31, 2013 as
compared to June 30, 2013, due to reduced funding needs.
Stockholders' equity increased $426,000 at December 31, 2013 when compared to
June 30, 2013. Stockholders' equity increased due to net income of $3.1 million,
but was reduced by a net increase in accumulated other comprehensive loss of
$1.2 million and the payment of cash dividends of $1.6 million.
Analysis of Net Interest Income
Net interest income represents the difference between income on interest-earning
assets and expense on interest-bearing liabilities. Net interest income depends
upon the volume of interest-earning assets and interest-bearing liabilities and
the interest rates earned or paid on them.
Average Balances, Interest Rates and Yields. The following tables present for
the periods indicated, the total dollar amount of interest income from average
interest-earning assets and the resulting yields, as well as the interest
expense on average interest-
bearing liabilities, expressed both in dollars and rates, and the net interest margin. The tables do not reflect any effect of income taxes. Average balances consist of daily average balances for the Bank with simple average balances for all other subsidiaries of the Company. The average balances include nonaccruing loans and leases. The yields on loans and leases include origination fees, net of costs, which are considered adjustments to yield.
Three Months Ended December 31, 2013 2012 Average Interest Average Interest Outstanding Earned/ Yield/ Outstanding Earned/ Yield/ Balance Paid Rate Balance Paid Rate (Dollars in Thousands) Interest-earning assets: Loans and leases receivable(1)(3) $ 761,491 $ 8,657 4.51 % $ 699,105 $ 8,804 5.00 % Investment securities(2)(3) 411,646 1,427 1.38 372,436 974 1.04 Correspondent bank stock 7,689 59 3.04 7,354 54 2.91 Total interest-earning assets 1,180,826 $ 10,143 3.41 % 1,078,895 $ 9,832 3.62 % Noninterest-earning assets 74,250 81,910 Total assets $ 1,255,076 $ 1,160,805 Interest-bearing liabilities: Deposits: Checking and money market $ 363,665 $ 240 0.26 % $ 357,509 $ 251 0.28 % Savings 153,448 96 0.25 110,363 71 0.26 Certificates of deposit 269,476 684 1.01 273,635 877 1.27 Total interest-bearing deposits 786,589 1,020 0.51 741,507 1,199 0.64 FHLB advances and other borrowings 155,341 983 2.51 131,414 1,038 3.13 Subordinated debentures payable to trusts 24,837 353 5.64 27,837 425 6.06 Total interest-bearing liabilities $ 966,767 $ 2,356 0.97 % $ 900,758 $ 2,662 1.17 % Noninterest-bearing deposits 164,215 132,231 Other liabilities 27,350 28,897 Total liabilities 1,158,332 1,061,886 Equity 96,744 98,919 Total liabilities and equity $ 1,255,076 $ 1,160,805 Net interest income; interest rate spread(4) $ 7,787 2.44 % $ 7,170 2.45 % Net interest margin(4)(5) 2.62 % 2.64 % Net interest margin, TE(6) 2.66 % 2.68 % _____________________________________ |
(2) Includes federal funds sold and interest earning reserve balances at the Federal Reserve Bank.
(3) Yields do not reflect the tax-exempt nature of loans, equipment leases and municipal securities.
(4) Percentages for the three months ended December 31, 2013 and 2012 have been annualized.
(5) Net interest income divided by average interest-earning assets.
(6) Net interest margin expressed on a fully taxable equivalent basis ("Net Interest Margin, TE") is a non-GAAP financial measure. See the following Non-GAAP Disclosure Reconciliation of Net Interest Income (GAAP) to Net Interest Margin, TE (Non-GAAP). The tax-equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and adjusting for federal and state exemption of interest income and certain other permanent income tax differences. We believe that it is a standard practice in the banking industry to present net interest margin expressed on a fully taxable equivalent basis, and accordingly believe the presentation of this non-GAAP financial measure may be useful for peer comparison purposes. As a non-GAAP financial measure, Net Interest Margin, TE should be considered supplemental to and not a substitute for or superior to, financial measures calculated in accordance with GAAP. As other . . .


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This past weekend, I had the privilege and honor to pin my brother's wings on! Robert is now officially a pilot with the United States AirForce and will be flying the CV-22 Osprey!
Let me backtrack a little. Thursday my whole family travelled down to Alabama to see Rob. My mother, Daniel, and two aunts had the privilege of attending the drop ceremony, where Rob found out what aircraft he would be flying — the elusive CV-22.
Friday morning, the family and friends of the pilots were treated to a breakfast and a mini class on night vision goggles (NVGs). I loved the NVGs and they allowed you to see in the dark. It was neat to get to see a part of just what my brother has been learning and what he will be doing in his career.
After our NVGs class, we had the privilege to go onto the flight deck and see three of the helicopters the Airforce flies (the CV-22, HH-60, and the Huey). We were super excited as they actually flew in 2 Ospreys (one Airforce and one Marine) and allowed us to look into the aircraft — what a treat!!
The CV-22
HH-60 Pave Hawk
UH-1N Twin Huey
I get to pretend to be the pilot, with the best co-pilot ever!!! Even if to just sit in the pilot seat, it was a fabulous few minutes!
Our clan — can you tell it was a windy day? :)
After a marvelous time seeing the helicopters, we got a quick-lunch, got dressed, and headed back for Rob's pinning ceremony. Rob gave us the honor to pin his Wings on him. Mom, Dad, Daniel, Gloria, and I got to go up pin his wings on — it was such a huge honor — thanks Rob!! I am so glad that I got to attend this amazing ceremony. I could not be prouder of my baby brother! Love you Rob!
I end telling about the amazing time we had celebrating Rob's accomplishments, with a picture my brothers and I have taken many times. We make a great trio!!


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Only the roles you can apply for are shown below.
Model needed next Monday - London
London, United Kingdom
Special fx make-up project - London. Paid
Special fx make up training shoot - zombie transformation or similar
Need reliable models
Need reliable models
Payment: £20 per session - no travel expenses
Applications to this casting call require:
The owner of this listing has agreed to abide by the UK National Minimum Wage Act. Find out more
Model for special fx make up application
No shows not welcome
Females, aged 18 to 30 from London, United Kingdom
- Minimum Modeling experience: Beginner, starting out


text:
Etna, under the direction of Labourel, is an Italian Brasserie that was completely redesigned and took on brand new dimensions in 2013. You'll find the traditional dishes and pizzas you've always loved with their delicious Italian flavors, But some of the daily specials, desserts, and dishes will have a decidedly French flair.
The Etna is a warm and friendly meeting of culinary traditions where you will enjoy bright and spacious dining in a relaxed atmosphere.
Etna features easy menu options for families exhausted after a full day at Disney or for business travelers short on time and flexibility and who need a good meal that is quick and moderately priced.
The Carte of the Etna Italian Restaurant – Jossigny
The Pizza Take Away Offer -Etna-Jossigny
Request an individual quotation


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Daniel Patrick Boyd charged with plotting attack on Quantico Marine base
Left to right, Daniel Patrick Boyd, Hysen Sherifi, Mohammad Omar Aly Hassan and Ziyad Yaghi have been charged with supporting violent jihad. Image from the New York Times. |
On Sept. 24, a superseding indictment was filed in the criminal case against Daniel Patrick Boyd and his codefendants. Authorities allege that Boyd was the ringleader of an alleged jihadist cell arrested in the Raleigh, North Carolina area on July 22; for further background see my previous post about the case. The superseding indictment contains three new charges: conspiring to murder US military personnel (a charge directed at Boyd and Hysen Sherifi); possession of weapons in furtherance of a crime of violence (a charge directed at Boyd, Sherifi, and Zakariya Boyd); and providing a weapon to a convicted felon (a charge directed at Daniel Patrick Boyd).
Of greatest interest, obviously, is the charge that Boyd and Sherifi intended to attack American military personnel in the United States. Previously, the indictment did not make clear any actions that the defendants actually planned, and FBI Special Agent Michael Sutton, when cross-examined at the detention proceeding, could not name specific targets. The superseding indictment specifies the Marine base at Quantico as a target, in paragraphs 59 to 65.
According to the superseding indictment, Daniel Patrick Boyd and Sherifi "believed violent jihad was obligatory, and further believed that should their efforts to fight jihad overseas prove impossible, jihad would take place here in the United States." They discussed potential targets in the US, and Boyd "conducted 'reconnaissance' at the Marine Corps Base, Quantico, Virginia." The superseding indictment discusses Boyd reviewing maps of the base, "intending the maps to be used by members of the conspiracy to plan and coordinate an attack on Quantico." (It is not clear what the "reconnaissance" mentioned in the indictment entailed -- whether Boyd had actually traveled to Quantico for surveillance purposes.) Further, the indictment charges that Boyd possessed a weapon that he intended to use in an attack on Quantico, stating that it was "for the base," as well as ammunition that he said would be used "to attack the Americans." Given this choice of targets, it is interesting to note that Boyd's birth father had been a Marine.
Based on the superseding indictment, it seems that the defendants undertook target selection and some surveillance, but not more advanced pre-attack surveillance focusing on vulnerabilities. There is also no suggestion that Boyd and Sherifi went through such steps as evaluating security at Quantico, determining their method of attack, or rehearsing for an attack. The fact that the planning was apparently in its initial stages does not present an absolute barrier to prosecution. The relevant statutory law only requires the commission of "any overt act" by one or more persons who are party to the conspiracy. The superseding indictment names four overt acts (all of which were carried out by Boyd): reconnaissance, review of maps of Quantico, possession of a weapon intended to be used in an attack on the base, and possession of ammunition intended to be used in an attack on the base.
READER COMMENTS: "Daniel Patrick Boyd charged with plotting attack on Quantico Marine base"
Posted by Daniel at October 5, 2009 12:07 AM ET:
I have spent a lot of time at Quantico. If Boyd had been planning an attack there my guess is he has not been there post 9-11.


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Broiled Brown-Sugar Bananas
From Good Housekeeping
triple-tested at the Good Housekeeping Research Institute
A sweet, satisfying dessert with just four basic ingredients.
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Nutritional Information
(per serving)
Calories | 150 |
Total Fat | 2g |
Saturated Fat | 1g |
Cholesterol | 0 |
Sodium | 20mg |
Total Carbohydrate | 34g |
Dietary Fiber | 0 |
Sugars | -- |
Protein | 0 |
Calcium | -- |
Brian Hagiwara
Serves: 4
Total Time: 10 min
Cook Time: 5 min
U.S. | Metric | Conversion chart |
- 4 ripe medium bananas, unpeeled
- 2 tablespoon(s) brown sugar
- 1 tablespoon(s) lower-fat margarine
- 1/8 teaspoon(s) ground cinnamon
- Preheat broiler. Cut each unpeeled banana lengthwise almost in half, being careful not to cut all the way through and leaving 1 inch uncut at banana end.
- In cup, with fork, blend together remaining ingredients. Place bananas, cut side up, on rack in broiling pan. Spoon brown-sugar mixture into split bananas.
- Place pan in broiler at closest position to source of heat; broil bananas 5 minutes or until browned. Serve bananas in skins, and use spoon to scoop out fruit.
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