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Yesterday we attended the historic unveiling of both the Bugatti Veyron 16.4 Super Sport (aka the fastest car in the world), and the accompanying Bugatti Super Sport timepiece from Parmigiani Fleurier. Next week we'll get down and dirty with the watch, but here are some quick specs and photos to keep you satiated until then. The thing is awesome, just know that.
- In 2010, Parmigiani flips all the mechanical components of the new calibre Bugatti PF 372 onto a vertical axis, retaining the lateral time display so appreciated by car drivers.
- In a world premiere, Parmigiani has successfully developed a 90° time setting system – the dial is positioned perpendicular to the axis – by integrating a system of double pinions with bevel gearing.
- The manually-wound Calibre Parmigiani 372 (power reserve of 10 days) was designed in two planes in order to match the contours of the new Bugatti watch.
- The complete PF 372 movement was designed and produced by the Parmigiani manufacture.
- Six sapphire crystals reveal the 337 impressive components of the new Bugatti Super Sport.
- The highly tapered profile of the Bugatti Super Sport recalls the iconic form of the lugs on a Parmigiani watch case.
- The openworked oval dial, inclined on a 60-degree axis and made from carbon fibre in honour of the Bugatti Veyron 16.4 Super Sport, shows the hours and minutes.
- The "gold black", côtes de Genève and satin finishes on the bridges, and the 3-dimensional turn-in angles on the train wheel bridge reflect Parmigiani's exacting standards.
- The dynamometric crown, perfectly integrated just above the profile, allows settings to be made with a slight pressure.


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Sharon, MA Office
One Merchant Street, Suite 102
Sharon, MA 02067
Cell: 617-877-5499
eFax: 781-253-3924
Email: firstname.lastname@example.com
Paul is a Mortgage Loan Originator with the Washington Trust Mortgage Company. He works closely with a network of real estate, financial, and building professionals throughout Massachusetts.
Paul has more than 17 years of lending and mortgage consulting experience. He holds a degree in Business Management and Marketing from the University of Massachusetts. Paul is also acting Director for South Shore Conquistadors Youth Hockey. He and his wife and four children live in Scituate, MA.
Paul can provide you with the highest customer service level to assist you in your financing needs. The Washington Trust loan products that he can assist you with are extensive. They include the following:
Massachusetts Mortgage Broker License: MC901927; Massachusetts Mortgage Lender License: MC901927; RI Lender License #20122863LL; RI Loan Broker License #20122864LB; New Hampshire Mortgage Banking License: 18233-MB; Licensed by the New Hampshire Banking Department

subset: commoncrawl


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It's no secret that Kourtney Kardashian and Scott Disick have had a bumpy relationship, but on March 3rd's episode of 'Kourtney & Kim Take Miami,' Kim Kardashian decides to step in and let her sister know that their issues could be her fault.
Kim Kardashian isn't only protective of her sisters, but also of her niece and nephew's father Scott Disick. So on this week's episode of Kourtney & Kim Take Miami, the momma-to-be told sister Kourtney Kardashian that she'd probably end up alone in the long run if she didn't step up her love life with Scott.
"For me, I like doing stuff all together as a family," Kourtney defended herself to Kim when she claimed that she never does anything one-on-one with Scott, always including their two children.
"He's gonna cheat on you, and it'll be your fault," Kim responded. "You just don't put in any effort. You're going to like, lose him — no joke. You're literally gonna end up, like, alone."
Jeesh — now that's tough love. That's not the only juiciness on the episode this week! We even got to see Kim's reaction when she found out her ex Reggie Bush is expecting a child!
Here's ten more highlights from Kourtney & Kim Take Miami:
1. When Kim's friend Karen told her that her ex-boyfriend Reggie Bush is expecting, we all held our breaths. Then she quickly said how happy she was for him, and followed that up with the fact that she believes that she will marry Kanye West one day.
2. Jonathan Cheban won't say the year he was born while Kim is setting him up on a dating website.
3. Kim told off Kourtney and lets her know that Scott is going to look elsewhere for what she isn't providing (ie. couple time).
4. Kourtney proved she's a little romantic and planned a trip to Paris for her and Scott … with the kids.
5. Kim once again, put Jonathan in an awkward situation by setting him up on a lunch with his business partner and ex-best friend Simon Huck. Remember, when she set him up last week with lunch with Kourtney, after Kourt had slapped him?!
6. "I love you, but I hate you," Simon told Jonathan over dinner in the most dramatic scene.
7. Kourtney told Scott he's "kind of like a philosopher."
8. Scott got dizzy on a carousel ride with the kids in France.
9. Mason and Kourtney signed a lock on the bridge in Paris to symbolize their love and threw the key in the water. Although she was heart broken when Scott didn't show up, it was absolutely adorable that she signed the lock with her son.
10. Scott admitted that he didn't realize Kourtney wanted to make it a romantic trip, and made it up to her with an adorable boat ride where he told her how much he loved her, and then brought her back to the bridge to make their own lock.
So, HollywoodLifers – what did you think of this week's episode?
WATCH: Kim Kardashian Pregnancy Scare
– Emily Longeretta
More Kardashian News:
- Kim Kardashian's Wildest Maternity Looks
- Kanye West Wants Six Children With Kim Kardashian
- 'KKTM' Preview: Kourtney Kardashian Refuses To Have Sex With Scott Disick
View Comment
Posted at 7:47 PM on April 4, 2013
I watch these shows because I LOVE Kloe. I think she's down to Earth, honest and knows how life should be. She loves her husband, treats him well, puts him before her family and that's admirable. I find her to be the most beautiful of the girls, inside and out. She's a bit freaky in some ways, but she's an honest, life loving person and she's real. That is refreshing in a reality star.
As for Kim, she shows how selfish she is by being pregnant, wearing heals, which is clearly dangerous, wearing tight fitting clothing, which has also been said to be dangerous for the baby. Kim gets into the business of others and it never seems to turn out well for her, yet she keeps doing it. Kim is self centered and arrogant, thinking only of herself and not those around her or now her actions will affect other people.
Kourtney is one of the oddest people I have seen on television. She doesn't sleep in the same room with the man she has two children with, she treats him like dirt, pushes him away with the way she treats him and then gets upset when he GOES away and does what he wants to do. How was HE supposed to know that she was planning a romantic trip when there is ZERO romance in their lives? She's got two children by him, that proves they have had sex twice, I'm sure it's more, but I bet not lately and the only time she ever seems to want him around is when she wants a baby. People say she deserves better than him, I say, with all his faults, he deserves better than her.
Chris Jenner is a joke all on her own. Bruce would be smart to leave her after all she's done to him. How could a mother have a favorite child and then let her other children KNOW she has a favorite? That's disgusting on so many levels.
Posted at 9:34 AM on March 12, 2013
Kim should stop flying, All those Trans-Atlantic flights are not good nor are they necessary. If she was truly concerned about her baby she would stop well known risky behaviors and if she was in danger she would have been hospitalized and put on bed rest. She is milking the "miscarriage" to try to force K Humphries for a "quick settlement" He alleges FRAUD in their 72 day marriage. It was a SHAM wedding becuase it was done to boost show ratings and $$$$$$
Besides what dumb bi'otch gets knocked up while still legally married?
James Sanfilippo
Posted at 9:29 PM on April 21, 2014
Posted at 6:13 AM on March 5, 2013
Posted at 7:39 PM on April 4, 2013
Posted at 10:25 AM on March 4, 2013
I agree with commenter below. Kourtney will not be alone if she and scott split… it's a tough spot, trying to stay interested in dad when u become a mom. I haven't figured it out myself… i think /hope it becomes easier as kid(s) get older… but she has a long way to go if she waits around for that. Maybe she's just not that into him… but, regardless, she will not tnd up alone. Kim is transferring her own insecurities onto kourtney, that's all.
Posted at 10:12 AM on March 4, 2013
Posted at 9:10 AM on March 4, 2013
Posted at 7:23 AM on March 4, 2013
Posted at 6:20 AM on March 4, 2013
dont watch it dont care dont spend my time watching garbage. its bad enough dealing with their faces incorporated into no substance articles. These people are uneducated husslers. they have nothing of substance between the earlobes and are the laughing stock in the industry. looking forward for their 15 minutes of fame to end so i dont have to deal with this garbage. let the whole clang move to armania or paris.
Posted at 9:25 AM on March 5, 2013
Posted at 7:40 PM on April 4, 2013
Posted at 2:46 AM on March 4, 2013
Catie Menzie
Posted at 1:41 AM on March 4, 2013
Hello F A.M E.
Posted at 1:29 AM on March 4, 2013


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St Pancras Grand
St Pancras Grand arrived with quite a bit of fanfare last year when the new St Pancras station opened. This was a restaurant modelled on the famous Terminus Nord in Paris, it had a menu designed by the famous food critic Faye Maschler and the early reviews were pretty positive. Moving at my usual speed of lightening it has taken me about a year to get to St Pancras Grand to check it out.
Category: NW1, Restaurants - British


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- January 13, 2014
Voice of America discusses the diverse musicality of Yo-Yo Ma's 31-piece Silk Road Ensemble including exclusive video footage from the Satellite Media tour. Click here for the full story.
- December 11, 2013
Yo-Yo Ma lightened the holiday shopping mood last night with a beautiful pop-up concert along Chicago's Magnificent Mile. Click here to take a look at what bystanders and passersby had to say about the experience.
- December 10, 2013
Thanks to Michael Huebner for a wonderful review of the sold-out Jemison Concert Hall performance in Birmingham. Check out his review here.
- November 26, 2013
All Alabama sat down with Yo-Yo Ma to talk about music in this fast-changing world. Read the article and watch the video here.
- October 28, 2013
Yahoo Music features the new video for "Ascending Bird," from the Silk Road Project's latest DVD, Live From Tanglewood. Watch this beautiful song performed live.
- September 25, 2013
Yo-Yo Ma talks about his new recording with the Silk Road Ensemble, A Playlist Without Borders. Watch here:


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Tinkler fails to stump up for property
PUBLISHED: 03 Sep 2012 20:34:00 | UPDATED: 08 Sep 2012 00:45:17PUBLISHED: 04 Sep 2012 PRINT EDITION: 04 Sep 2012Jamie Freed and Ben Wilmot
Property group Mirvac has become the latest creditor to take legal action to recover money from Nathan Tinkler after the coal entrepreneur yesterday failed to make a court-ordered transfer of more than $14 million.
The failure of Mr Tinkler's Buildev property development group to comply with the NSW Supreme Court order to pay for land in a Newcastle industrial park has raised more questions about the state of his finances.
Mirvac said it would pursue its rights to secure payment for land associated with Mr Tinkler's failed plan to construct a new coal export terminal. The exact size of the payment was not disclosed, but is understood to be between $14 million and $20 million.
Options to recover the money could include having an administrator or receiver appointed to Buildev and another Tinkler Group company, Ocean Street Holdings, also associated with the planned purchase.
Buildev has developed major projects in Queensland and NSW. In 2008 it was chosen for the $120 million development of part of the former BHP steelworks site in Newcastle but has made little progress.
A spokesman for Mr Tinkler yesterday said his client would not comment on his failure to comply with the court order. Last Friday, the spokesman expressed confidence that Mr Tinkler would make the payment on time.
Other portions of Mr Tinkler's empire also appear to be under stress. On Saturday, the Newcastle Herald reported that sports teams owned by Mr Tinkler – NRL club the Newcastle Knights, and soccer team the Newcastle Jets – had failed to pay doctors on time, and superannuation payments to Hunter Sports Group staff were paid late.
HSG chief executive Troy Palmer responded that the group was "constantly reviewing" its budgets but said there were no cash flow concerns and all suppliers were being paid.
The story followed earlier reports that Mr Tinkler's horse racing operation, Patinack Farm, faced a Tax Office investigation for unpaid employee super payments.
Mr Tinkler's financial situation has been under scrutiny recently after his attempted $5.25 billion bid for Whitehaven Coal collapsed due to a lack of funding. He has loans secured against his 21.4 per cent stake in Whitehaven and some investors have raised concerns that his apparent personal liquidity issues could lead lenders to take possession of some or all of his stock.
Mr Tinkler offered $5.20 a share for Whitehaven but the shares never reached higher than $4.63 after his proposal was announced amid scepticism the deal would be completed. Whitehaven shares closed down 5¢ at $3.22 yesterday, valuing his stake in the company at $697 million.
While the Whitehaven offer was on foot, Mr Tinkler failed to make a promised $28.4 million payment to Queensland coal developer Blackwood Corp, which is now the subject of potential legal action.
Blackwood chief executive Todd Harrington said Mr Tinkler had not explained why he had not come up with the funding. "That's the $1 million question, isn't it?" Mr Harrington said. "We don't have sufficient clarity in that space." But he said there was still hope the deal would be completed, because Mr Tinkler had not said he was unlikely to pay.
In the meantime, Blackwood's majority shareholder, Hong Kong commodities trader Noble Group, has extended a $5 million loan to allow the company to keep operating its exploration program.
The Australian Financial Review
Read more
Companies | Mirvac Group, Blackwood Corp Ltd |
People | Nathan Tinkler |
Topics | Company News, Courts & Legal, Property - Commercial, Sport |


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Brainwash Holland Ladies Tour, 2012 WCN quicklink >> Stage 1 Stage 1 Full Stage 2 Stage 2 Full Stage 3 Stage 3 Full Stage 4 Stage 4 Full Stage 5 Stage 5 Full Stage 6 Stage 6 Full Previous coverage of the Holland Ladies Tour >> 2012 2011 2010 2009 2008 2007 2006 2005 On this page >> Write-up Results General Classification Photos |
Stage 1 - Teutenberg dominates bunch sprint Neerijnen, 108,2km Ina-Yoko Teutenberg (Specialized-Lululemon), won the first stage of the Brainwash holland Ladies tour, ahead of Olympic champion Marianne Vos (Rabo Women) and Giorga Bronzini (ITA). The German led the bunch into Neerijnen in a fast very compact peloton. The bunch stayed together for the first 80km before the sprinters and their teams prepared for the run into Neerijnen. There was a lot of jostling for position in the last few kilometres. Specialized-lululemon set up the train perfectly for Teutenberg with Trixi Worrack the last to lead her into the final 1km. Vos, secured the overall, thanks to the bonus seconds on the road. Vos holds a 2 second lead ahead of Teutenberg and 8 seconds ahead of Bronzini. Comments Marianne Vos (Rabo Women) expects the gap to close, "Two seconds ahead of Specialized-Lululemon Teutenberg is not much. It is important to tomorrow at least to not lose too much time. But, we ride with the team who will the World Championship team time trial for Professional teams, so it is also a serious test to see where we stand. I would like my fourth Ladies Tour win in a row and therefore especially the race against the clock for teams and the Sunday stage in Limburg important," said Vos. Ina-Yoko Teutenberg (Specialized-lululemon) was particularly excited about the team time trial "I'm not worried about the final standings, after the team time trial we already know better where we stand. But in the Netherlands you always have to be careful of course, so I'm in for a week-long battle," said Teutenberg. Results - Top 10 - click here to see full result
General Classification Top 10 - click here to see full GC
Photos Click on any image to enlarge >> Want to contact WomensCycling.net? The WomensCycling.net email address is NewsResults [at] Womenscycling.net To contact the webmaster, the address is : Webmaster [at] Womenscycling.net Type this address into the "To" line of a new email message in your email programme. Replace [at] with @ |
WomensCycling.net 2004 - 2012© |


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Contract ratification results:
93% for, 7% against,
Thank you very much rank and file!
This site will be used to communicate to the membership of UAW 218 on the process of Negotiations as well as an update to the ongoing Negotiations with Bell Helicopter Textron in Fort Worth, Texas
This site will be used to communicate to the membership of UAW Local 218 on the process of Negotiations as well as an update to the ongoing Negotiations with Bell Helicopter Textron in Fort Worth, Texas.
Contract ratification results:
93% for, 7% against,
Thank you very much rank and file!
SUNDAY, OCTOBER 13, 2013 at 10:30am
UTA TEXAS HALL, 701 W. Nedderman Drive, Arlington, TX
The Union
has reached a tentative agreement with the company.
The Union continues to review the company proposals in preparation for the Sunday ratification meeting.
It is very important that everyone attend this meeting!
Your bargaining committee met with the company today, Thursday, October 3, 2013. The parties made positive progress at the bargaining table. We have agreed to meet again next Tuesday, October 8, 2013. The Union is cautiously optimistic that we can make further positive progress towards an acceptable agreement.
Your UAW 218 Bargaining Committee
Please note:
In spite of all the rumors going around, we will NOT be on strike this Friday. Don't believe the rumors! Please report to work and do your job. Thank you!
Steve E. Andrews, President-UAW Local 218
Please return to work at your regularly scheduled time on Monday, September 9, 2013.
If you have any questions about returning to work, please call the union hall. Thank you!
Please see link entitled UAW ULP STRIKE LETTER TO TEXTRON for the latest information on the current UAW Local 218 Unfair Labor Practice Strike.
Date: Sunday, August 18, 2013
Meeting Time: 10:30am
Doors open at 9:30am
Location: UTA Texas Hall - 701 W. Nedderman Dr., Arlington, TX 76019
*Members only! No spouses, family members or friends allowed inside building.
*Please bring your union card and picture ID, and arrive early to allow time for sign in process.
* UTA is a NO SMOKING CAMPUS!
Brothers & Sisters,
Your UAW 218 Bargaining Committee and UAW International Union was scheduled to meet and bargain with the company. However, in the "11th hour" before bargaining was to begin, the Company "re-set the canvas" and sent the union a modified proposal via email after the close of business on July 30, 2013.
The Committee and International Union met on Wednesday, July 31, 2013 just to try and figure out exactly what was withdrawn and what was not!
Even though the Company's documents were very confusing, the Union met its commitment and met with the Company to bargain.
The Company and the Union reviewed all open proposals between the parties. The parties reached tentative agreements on ten (10) proposals (eight Union and two Company), the Union withdrew nine (9) proposals and there are eight (8) union proposals remaining open.
As you know, the Company withdrew 54 proposals and the Company has 75 proposals remaining open.
The Company again stated the Company would not change its position on healthcare, COLA, overtime and pensions!
The Union's position is that the Company continues to refuse to bargain these issues and that is an unfair labor practice!
The union is continuing to file ULP charges with the NLRB to protect our jobs, our rights, and to make the Company bargain in good faith.
It is ironic that the Company attempts to take credit for concessions by withdrawing their own proposals!!!! Shame on the Company for again trying to twist the facts!
The Union is currently evaluating this legal situation to determine the Union's best course for the Local 218 membership and their families.
In the near future, the Union will notify the UAW Local 218 membership once there has been a determination of what exactly the best course of action is.
Until then- REMEMBER that we made a decision together at Will Rogers!
We walked out of Will Rogers as one on June 9, 2013, and we must remain as one!!!
Local 218 Still Working Without A Contract
UAW Local 218 in Hurst, Texas continues to work, despite not having a contract with Bell Helicopter Textron. Local 218 and the UAW International Region 5 Director Gary Jones, Assistant Danny Trull, and Lead Spokesman Service Representative Wendell Helms began bargaining for an agreement with Bell Helicopter Textron in mid-April 2013. The company had repeatedly stated that it "didn't want to fight", to which the UAW replied, "Your intentions will be reflected in your proposals."
Bell Helicopter Textron revealed its true intent to demolish and rewrite the contract, wiping away the rights and benefits hard won over a period of 60 years of negotiations. Bell Helicopter Textron submitted close to 130 proposals, the vast majority of which were concessionary takeaways.
Bell Helicopter Textron then posted its last, best, and final offer on the internet and refused to bargain, fully 3 days before the expiration of the 2009-13 contract. This ridiculous offer was overwhelmingly rejected by 85% of the voting membership on June 9, 2013. In support of the Local 218 leadership and the UAW Region 5 International Union's effort to continue bargaining in good faith to reach an agreement with Bell Helicopter Textron, the Local 218 membership agreed to work under the same terms and conditions of the 2009-13 collective bargaining agreement.
In the short time since the offer was rejected, Bell Helicopter Textron has committed multiple unfair labor practices. One of the most visible unfair labor practices involves the implementation of one of its most disagreeable proposals by bringing in non-union scab workers to illegally perform UAW 218 work alongside, in some cases replacing union workers. All the while, with Local 218 workers laid off on the street, Bell Helicopter Textron blatantly threatens the jobs of Local 218 and our families.
Bell Helicopter Textron states on its website that it continues to bargain in good faith. In reality, Bell Helicopter Textron continues to commit unfair labor practices. Since the rejection of the last, best, and final offer the Union has been informed by Bell Helicopter Textron of it is outright and illegal refusal to bargain or discuss such mandatory items as overtime, health care/insurance, cola/cost of living, and pension/retirement benefits.
The CEO of Bell Helicopter Textron has stated his desire to "fundamentally change the relationship" with the Union. He openly desires to "bring the Union in line with the salaried employees." He repeatedly compares the benefits of the Union workers to the costs of the workers in 3rd world countries and threatens the jobs of American Union workers and our families.
The UAW International Union is standing shoulder to shoulder with the Local 218 members and their leadership. We will continue to bargain in good faith to protect our jobs and our families. We will continue to file unfair labor practice charges with the National Labor Relations Board. We will continue to use every legal tool we have to protect our rights and our families.
This is the bottom line, family. We will fight this all-out assault on unionism and the American family for as long as it takes. We are part of the greatest family in the United States, the UAW. Stand with us, pray for us, fight for us, we are your brothers and sisters.
In Solidarity,
UAW Local 218 Bargaining Committee
Brothers and Sisters:
Your Union continues to work for you. The Union's position on the 4th of July paid holiday and the COLA adjustment has been that you should get both. You did receive the holiday pay for the 4th of July, and after your Union sent a letter to the Company (see link entitled "UAW COLA Request Letter 6-24-13) demanding the COLA raise, the Company did notify the Union of their plan to pay the $.27 cent increase retroactive to June 15, 2013.
As you are aware, your UAW Bargaining Committee met with the company on Tuesday, July 9, 2013 in an attempt to bargain acceptable improvements to the Company's last, best, and final offer to bring back to you- the membership.
The first thing the Company did was to withdraw the proposed $4,500 ratification bonus from the last, best, and final offer!
The Company again refused to bargain over 4 mandatory subjects of bargaining under the law; pension, COLA, healthcare, and overtime.
The Union's position is that both of these acts constitute unfair labor practices and failure to bargain in good faith!
The Union will immediately pursue ULP charges with the National Labor Relations Board (NLRB).
The Company continues to violate our collective bargaining agreement and the National Labor Relations Act, bringing in temporaries/contractors/non-bargaining unit employees to perform OUR WORK! The Union has filed ULP charges against the company for illegally bringing in contractors!
The Company
is required to provide information about their proposals.
The Union has several information requests for the company to fulfill.
The parties have scheduled Thursday, August 1, 2013 as our next meeting date.
Company offer- 85% REJECTED
Volunteer Overtime- 99% REJECTED
Your Bargaining Committee
Negotiations will reconvene on Tuesday, July 9, 2013 in the a.m.
There have been questions about your insurance under the present conditions of which we are working under. Word from the UAW International is your insurance is intact and should not be a concern for you at this time. Everything is as usual regarding insurance. If you have a problem with your insurance please contact your Union Rep with your issues.
In regards to the non-communication on this website: I would like to apologize that there has not been more, but our attorneys have advised us to keep the information posted to a minimum during these trying times. If you feel that you need more information please call your Union Rep or the Union Hall. We prefer you communicate with your Union Rep personally or by phone.
Steve Andrews, President
UAW Local 218
" Reminder"- Please remember that this Sunday June 23,2013 at 2:30 pm is our Regular Membership meeting at the Union Hall.
Thank You!
Brothers and Sisters,
The International Union UAW, and the Local Union 218 bargaining committee want to make sure you know the facts concerning negotiations with the company;
1. The union requested and was available to bargain Friday, June 7th and Saturday, June 8th.The Company refused to bargain (three days before expiration!). And instead tried to "sell you directly on their last, best and final offer.
2. You the membership rejected the company offer! -85% rejection.
3. The Company and the union next met on Friday, June 14th. The Company immediately told the bargaining committee they would not move on the proposed concessions on healthcare, pension, COLA, and overtime. (The Company refused to bargain these issues!)
- Then gave the union modified proposals on their proposed concessions on job combos and union representation!
- In other words, the Company did no bargaining with the union on any issue that is important to this membership.
- They simply changed what they wanted in order to "better the Company position."
In fact, the Company refused to bargain on more issues than they changed! The International Union and Local 218 Bargaining Committee will meet their legal obligations to bargain!
Don't let the company "TWIST THE FACTS".
This International Union and Local 218 Bargaining Committee will strongly defend the legal rights of our members. Whatever it takes legally!
The Union's position is that the Company has committed numerous unfair labor practices (violations of your rights/union rights, rights under the National Labor Relations Act)
The Union will file charges with the National Labor Relations Board (NLRB) on behalf of the Union and the Membership!
The Union will use all legal tools necessary to protect our rights and OUR WORK!
The Company message has been clear – regardless of who it comes from. The Company talks about taking care of every "mission" except this membership, their families and our retirees!
Negotiations is a process- we must trust our leadership, ourselves and trust our union!
Now is the time to show strength and solidarity!
We walked out of Will Rogers as one!
We must remain one!
In Solidarity, Your Bargaining Committee
Your bargaining committee and Local Union leadership would like to thank everyone for such a professional meeting on Sunday. We are so proud of you the membership for standing behind your committee's recommendation. We understand how difficult the uncertainty of the current working conditions are for you. Please continue to come to work and do your job, this is how you can support this process. At this time we are looking forward to meeting with the company bargain for an agreement that we can recommend. Please have faith and stay positive. United we can accomplish great things, divided we can lose everything.
In Solidarity,
Your Bargaining Committee


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Current Time
147/57 Moo 2
Bophut , Koh Samui
Tel: 66 77 741 3297
view web site ›
Bophut , Koh Samui
Tel: 66 77 741 3297
Concierge.com's insider take:
Q Bar reigns over the palm fronds on the hills above Bophut Beach. It has the distinction of being Koh Samui's only air-conditioned dance club, which is important, since the dance floor packs in more than 500 revelers. Check out the upstairs lounge, where white leather couches confer panoramic island views, and the menu delivers old-school cocktails (gimlets) as well as local flavors (fresh lychee martinis).
Open daily 5 pm to 2 am.
User Reviews
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text:
Small Carnivore Specialist Group
From Small Carnivore Conservation
This is the site of the IUCN/SCC Small Carnivore Specialist Group (SCSG). Small carnivores represent over half of all species in the order Carnivora. This diverse group includes > 150 species in 9 families (Ailuridae, Eupleridae, Herpestidae, Mephitidae, Mustelidae, Nandiniidae, Prionodontidae, Procyonidae, and Viverridae; Schipper et al. 2008).
A central theme of the SCSG is to improve the dissemination of information on this incredible group of species. To aid in this effort and development of this site, we encourage you to submit information about meetings or conferences, weblinks, news articles, publications, and other items related to small carnivores.
The IUCN/SSC Small Carnivore Specialist Group (SCSG) brings together more than 80 of the world's leading experts on small carnivores; including scientists, wildlife managers, and conservationists. This group of technical experts from over 25 countries promotes the conservation of the world's small carnivores through science-based research, management and education.
The SCSG is one of over 120 similar international specialist groups which collectively form the Species Survival Commission (SCC) of the World Conservation Union (IUCN). Specialist groups perform species assessments for the IUCN Red List of Threatened Species in addition to development of species action plans.
The goals of the SCSG, as established by IUCN, are to:
- Provide leadership for the conservation of all small carnivore species.
- Determine and review on a continuing basis the status and needs of small carnivores, and support effective research, conservation, and management programs.
- Make known the status and conservation needs of small carnivores, and promote their wise management.
Small Carnivore Conservation
Small Carnivore Conservation is our journal and the aim of this publication is to offer members of the IUCN/SSC Small Carnivore Specialist Group, and those who are concerned with the conservation of small carnivores in families of Ailuridae, Eupleridae, Herpestidae, Mephitidae, Mustelidae, Nandiniidae, Prionodontidae, Procyonidae, and Viverridae, original papers, news items, abstracts, and titles of recent literature.


text:
1965-1965 Pontiac Tempest Lemans GTO Seat Upholstery Front Buckets
1AISU00356- New
New Original style seat cover upholstery from 1A Auto. If you are looking for Legendary fit and Legendary quality, backed by 1A Auto service, look no further.
Our Seat Cover Upholstery kits are made from the highest quality materials.
Sewing and heat seal patterns are the closest matches to original on the market. These upholstery kits replace your original upholstery.
- Includes Front Seat tops and bottoms
- Correct Heat Sealed Diagonal Pattern with Pontiac Arrowhead on back.
- Madrid Grain Material
Specify color:
- 100G Black
- 239G Parchment
- 343G Dark Metallic Blue
- 448G Turquoise
- 520G Red
- 642G Gold
Upholstery replacement can be complicated. If you are unsure of your ability to install new upholstery please seek professional advice or service.
3 Year Warranty
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The application to pursue studies at Public Polytechnic (Politeknik KPT) for July 2011 session is now opened since JUMAAT, 4 Mac 2011. The application is open for the following candidates :
- The certificate holder of Sijil Politeknik KPT
- The certificate holder of Sijil Kolej Komuniti KPT
- The diploma holder of Politeknik KPT
- The matriculation certificate holder from Kolej Matrikulasi KPM (Science Stream)
How To Apply
- All application can be made online at http://www.politeknik.edu.my as per the following procedures.
- To access the application form you must have the combination of MyKad no and PIN which you can purchase at any ATM Bank Simpanan Nasional (BSN) RM6.00. Please note that you need to have MyKad in hand to purchase the PIN no.
- Please ensure your MyKad number printed in the BSN payment slip are correct and there is 6 digits PIN number started with number "41" and followed with another 4 digit number. If you have forgotten your PIN number, too bad you have to purchase again.
What Next ?
When you have completed filling up the e-borang, please click "HANTAR MAKLUMAT PERMOHONAN" until you see the system prompt you to print. Please print your application details for future reference.
Any amendment on the forms can be made before closing date by following the above steps.
Closing Date
4 April 2011
To apply for Politeknik, click HERE.
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text:
Zombie Road
Zombies have taken over the world - Civilization as we know it has ended. The year is 2014. The last remaining bastion of humanity, a top secret army research establishment, is under siege from an endless horde of the undead. Wave after wave of rotting horror sweeps down the only road into the...
Snack Analyzer
Amaze you friends down the pub! Make those i-phone owners green with envy! This App allows your Android phone to 'Analyse' a wide range of chips/crisps and bar snacks. Simply fire it up, place the snack on the screen analyser and press the 'begin scan' button. In a matter of...
Alien Basher
Bash the Aliens and save the Earth! Score as many points as you can in one minute, before it's 'Game Over, man! Game Over!' This time it's war!!!
Santa's Ski Chase
Santa's sleigh has crashed and all the presents have been scattered across the North Pole! Buckle up your ski's and race against the clock to collect the missing presents. Dodge the killer snowball, recover the gifts and save Christmas. A festive action game with catchy Christmas music...
Shreen Vets
The Shreen Veterinary Group is a dedicated small animal practice based in Gillingham, Dorset. This App is primarily aimed at our clients to allow a quick and easy way to contact the surgery and access online practice information. We have also included a 'Bash the Flea' game just for fun.


text: RAFFLE - A Different Place By RAFFLE Posted May 1, 2012 at 12:00 AM 0 0 0Comments 106 Views Up and coming Project Share Tweet gplus thumblr pinterest 1 A Different Place RAFFLE Follow Artist Embed Me To Playlist Download Songs Mixtapes Videos 0 0 0 106 Powered By HOTNEWHIPHOPhotnewhiphop.com Edit Colors Full Player Simple Player Embed Script Copy Short Link Copy Iframe Copy Preview Full Player Simple Player Embed Code Copy NOTE: Minimum player width is 370 pixels, height is 50 pixels. Back Full Player Simple Player NOTE: Player width is 450 pixels, height is 50 pixels. Title Artist Back 01:23 04:56 Embed Code Copy


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Directed by Chop N Shoot.
Off Slim's latest project, The Beam Up 2: So Cinematic, available now.
PREVIOUS: Kingpen Slim – Goosebumps (rmx) f. Wale & Emanny
Posted in Hip Hop, Video | Tags: kingpen slim
Initially I was going to turn it off but then I started listening to the words... and I was like "hey, i know a chick just like that" the relatibility was there I bang with it
The vid be koo if Eddie Murphy made a cameo. http://www.swagacidal.com
Those girls are pretty hot!
Yaaawwwn! I agree with @MD Eddie Murphy should've done a cameo.
this joint is actually funny if you listen to it. lil wayne beat with some devin the dudeish commentary.


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Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One)
For the quarterly period ended March 31, 2012
For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter)
Registrants telephone number, including area code: 724-981-6000 (Former name, former address and former fiscal year, if changed since last report) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨ Indicate by check mark whether the registrant has submitted electronically and posted on its Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No ¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definition of large accelerated filer, accelerated filer and smaller reporting company in Rule 12b-2 of the Exchange Act. (Check one):
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No x APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuers classes of common stock, as of the latest practicable date.
Table of ContentsFORM 10-Q March 31, 2012 INDEX
1 Table of ContentsPART I FINANCIAL INFORMATION
F.N.B. CORPORATION AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS Dollars in thousands, except par value
See accompanying Notes to Consolidated Financial Statements 2 Table of ContentsF.N.B. CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Dollars in thousands, except per share data Unaudited
See accompanying Notes to Consolidated Financial Statements 3 Table of ContentsF.N.B. CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY Dollars in thousands, except per share data Unaudited
See accompanying Notes to Consolidated Financial Statements 4 Table of ContentsF.N.B. CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS Dollars in thousands Unaudited
See accompanying Notes to Consolidated Financial Statements 5 Table of ContentsF.N.B. CORPORATION AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Dollars in thousands, except share data (Unaudited) March 31, 2012 BUSINESS F.N.B. Corporation (the Corporation) is a diversified financial services company headquartered in Hermitage, Pennsylvania. Its primary businesses include community banking, consumer finance, wealth management and insurance. The Corporation also conducts commercial leasing and merchant banking activities. The Corporation operates its community banking business through a full service branch network in Pennsylvania, Ohio and West Virginia. The Corporation operates its wealth management and insurance businesses within the existing branch network. It also conducts selected consumer finance business in Pennsylvania, Ohio, Tennessee and Kentucky. BASIS OF PRESENTATION The Corporations accompanying consolidated financial statements and these notes to the financial statements include subsidiaries in which the Corporation has a controlling financial interest. The Corporation owns and operates First National Bank of Pennsylvania (FNBPA), First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, Regency Finance Company (Regency), F.N.B. Capital Corporation, LLC and Bank Capital Services, LLC, and includes results for each of these entities in the accompanying consolidated financial statements. The accompanying consolidated financial statements include all adjustments that are necessary, in the opinion of management, to fairly reflect the Corporations financial position and results of operations in accordance with U.S. generally accepted accounting principles (GAAP). All significant intercompany balances and transactions have been eliminated. Certain prior period amounts have been reclassified to conform to the current period presentation. Events occurring subsequent to the date of the balance sheet have been evaluated for potential recognition or disclosure in the consolidated financial statements through the date of the filing of the consolidated financial statements with the Securities and Exchange Commission (SEC). Certain information and note disclosures normally included in consolidated financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC. The interim operating results are not necessarily indicative of operating results the Corporation expects for the full year. These interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporations Annual Report on Form 10-K filed with the SEC on February 28, 2012. USE OF ESTIMATES The accounting and reporting policies of the Corporation conform with GAAP. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could materially differ from those estimates. Material estimates that are particularly susceptible to significant changes include the allowance for loan losses, securities valuations, goodwill and other intangible assets and income taxes. COMMON STOCK On May 18, 2011, the Corporation completed a public offering of 6,037,500 shares of common stock at a price of $10.70 per share, including 787,500 shares of common stock purchased by the underwriters pursuant to an over-allotment option, which the underwriters exercised in full. The net proceeds of the offering after deducting underwriting discounts and commissions and offering expenses were $62,803. 6 Table of ContentsMERGERS AND ACQUISITIONS On January 1, 2012, the Corporation completed its acquisition of Parkvale Financial Corporation (Parkvale), a unitary savings and loan holding company based in Monroeville, Pennsylvania. On the acquisition date, Parkvale had $1,815,663 in assets, which included $937,350 in loans, and $1,505,671 in deposits. The acquisition, net of equity offering costs, was valued at $136,818 and resulted in the Corporation issuing 12,159,312 shares of its common stock in exchange for 5,582,846 shares of Parkvale common stock. The assets and liabilities of Parkvale were recorded on the Corporations balance sheet at their preliminary estimated fair values as of January 1, 2012, the acquisition date, and Parkvales results of operations have been included in the Corporations consolidated statement of income since that date. Parkvales banking affiliate, Parkvale Bank, was merged into FNBPA on January 1, 2012. In conjunction with the completion of this acquisition, the Corporation fully repaid the $31,762 of Parkvale preferred stock previously issued to the U.S. Department of the Treasury (UST) under the Capital Purchase Program (CPP). The warrant issued by Parkvale to the UST has been converted into a warrant to purchase up to 819,640 shares of the Corporations common stock. The warrant expires December 23, 2018 and has an exercise price of $5.81. Based on a preliminary purchase price allocation, the Corporation recorded $101,543 in goodwill and $14,984 in core deposit intangible as a result of the acquisition. The Corporation has recorded estimates of the fair values of acquired assets and liabilities. The fair values for loans, goodwill and other intangible assets, other assets and other liabilities are provisional amounts based on third party valuations that are currently under review. None of the goodwill is deductible for income tax purposes. During the first three months of 2012, the Corporation recorded merger and integration charges of $6,994 associated with the Parkvale acquisition. The following table shows the calculation of the purchase price and the resulting goodwill relating to the Parkvale acquisition:
The following table summarizes the fair value of the net assets that the Corporation acquired from Parkvale:
On January 1, 2011, the Corporation completed its acquisition of Comm Bancorp, Inc. (CBI), a bank holding company based in Clarks Summit, Pennsylvania. On the acquisition date, CBI had $625,570 in assets, which included $445,271 in loans, and $561,775 in deposits. The transaction, valued at $75,547, resulted in the Corporation paying $17,203 in cash and issuing 5,941,287 shares of its common stock in exchange for 1,719,978 shares of CBI common stock. The assets and liabilities of CBI were recorded on the Corporations balance sheet at their fair values as of January 1, 2011, 7 Table of Contentsthe acquisition date, and CBIs results of operations have been included in the Corporations consolidated statement of income since that date. CBIs banking affiliate, Community Bank and Trust Company, was merged into FNBPA on January 1, 2011. Based on the purchase price allocation, the Corporation recorded $40,256 in goodwill and $4,785 in core deposit intangible as a result of the acquisition. None of the goodwill is deductible for income tax purposes. NEW ACCOUNTING STANDARDS Comprehensive Income In June 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2011-05, Comprehensive Income, with the intention of increasing the prominence of other comprehensive income in the financial statements. The FASB has eliminated the option to present components of other comprehensive income as part of the statement of changes in stockholders equity. Instead, in annual periods, companies are required to present components of net income and other comprehensive income and a total for comprehensive income in a single continuous statement of comprehensive income or two separate but consecutive statements. In interim periods, companies are required to present a total for comprehensive income in a single continuous statement of comprehensive income or two separate but consecutive statements. These requirements, which were applied retrospectively, were effective January 1, 2012. For interim periods, the Corporation has adopted the single continuous statement of comprehensive income approach. Adoption of this standard did not have a material effect on the financial statements, results of operations or liquidity of the Corporation. Amendments to Fair Value Measurements In May 2011, the FASB issued ASU No. 2011-04, Fair Value Measurements, to improve the comparability of fair value measurements presented and disclosed in financial statements prepared in accordance with GAAP and International Financial Reporting Standards (IFRSs). The amendments explain how to measure fair value. They do not require additional fair value measurements and are not intended to establish valuation standards or affect valuation practices. The amendments result in common fair value measurement and disclosure requirements in GAAP and IFRS. Some of the amendments clarify the application of existing fair value measurement requirements and others change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. Many of the previous fair value requirements are not changed by this standard. The amendments in this standard, which were applied prospectively, were effective January 1, 2012. Adoption of this standard did not have a material effect on the financial statements, results of operations or liquidity of the Corporation. SECURITIES The amortized cost and fair value of securities are as follows: Securities Available For Sale:
8 Table of Contents
Securities Held To Maturity:
The Corporation classifies securities as trading securities when management intends to sell such securities in the near term. Such securities are carried at fair value, with unrealized gains (losses) reflected through the consolidated statement of income. The Corporation classified certain securities acquired in conjunction with the Parkvale and CBI acquisitions as trading securities. The Corporation both acquired and sold these trading securities during the quarters in which each of these acquisitions occurred. As of March 31, 2012 and December 31, 2011, the Corporation did not hold any trading securities. 9 Table of ContentsGross gains and gross losses were realized on securities as follows:
As of March 31, 2012, the amortized cost and fair value of securities, by contractual maturities, were as follows:
Maturities may differ from contractual terms because borrowers may have the right to call or prepay obligations with or without penalties. Periodic payments are received on mortgage-backed securities based on the payment patterns of the underlying collateral. At March 31, 2012 and December 31, 2011, securities with a carrying value of $587,865 and $547,727, respectively, were pledged to secure public deposits, trust deposits and for other purposes as required by law. Securities with a carrying value of $747,289 and $680,212 at March 31, 2012 and December 31, 2011, respectively, were pledged as collateral for short-term borrowings. Following are summaries of the fair values and unrealized losses of securities, segregated by length of impairment: Securities available for sale:
10 Table of Contents
As of March 31, 2012, securities with unrealized losses for less than 12 months include 10 investments in U.S. Treasury and other U.S. government agencies and corporations, 15 investments in residential mortgage-backed securities (10 investments in agency mortgage-backed securities, 1 investment in an agency collateralized mortgage obligation (CMO) and 4 investments in non-agency CMOs), 3 investments in states of the U.S. and political subdivisions, 8 investments in collateralized debt obligations (CDOs) and 2 investments in equity securities. Securities with unrealized losses of greater than 12 months include 1 investment in a residential mortgage-backed security (non-agency CMO), 13 investments in CDOs, and 5 investments in other debt securities as of March 31, 2012. The Corporation does not intend to sell the debt securities and it is not more likely than not the Corporation will be required to sell the securities before recovery of their amortized cost basis. The Corporations unrealized losses on CDOs relate to investments in trust preferred securities (TPS). The Corporations portfolio of TPS consists of single-issuer and pooled securities. The single-issuer securities are primarily from money-center and large regional banks. The pooled securities consist of securities issued primarily by banks and thrifts, with some of the pools including a limited number of insurance companies. Investments in pooled securities are all in mezzanine tranches except for one investment in a senior tranche, and are secured by over-collateralization or default protection provided by subordinated tranches. The non-credit portion of unrealized losses on investments in TPS is attributable to temporary illiquidity and the uncertainty affecting these markets, as well as changes in interest rates. 11 Table of ContentsOther-Than-Temporary Impairment The Corporation evaluates its investment securities portfolio for other-than-temporary impairment (OTTI) on a quarterly basis. Impairment is assessed at the individual security level. The Corporation considers an investment security impaired if the fair value of the security is less than its cost or amortized cost basis. When impairment of an equity security is considered to be other-than-temporary, the security is written down to its fair value and an impairment loss is recorded as a loss within non-interest income in the consolidated statement of income. When impairment of a debt security is considered to be other-than-temporary, the amount of the OTTI recorded as a loss within non-interest income and thereby recognized in earnings depends on whether the Corporation intends to sell the security or whether it is more likely than not that the Corporation will be required to sell the security before recovery of its amortized cost basis. If the Corporation intends to sell the debt security or more likely than not will be required to sell the security before recovery of its amortized cost basis, OTTI shall be recognized in earnings equal to the entire difference between the investments amortized cost basis and its fair value. If the Corporation does not intend to sell the debt security and it is not more likely than not the Corporation will be required to sell the security before recovery of its amortized cost basis, OTTI shall be separated into the amount representing credit loss and the amount related to all other market factors. The amount related to credit loss shall be recognized in earnings. The amount related to other market factors shall be recognized in other comprehensive income, net of applicable taxes. The Corporation performs its OTTI evaluation process in a consistent and systematic manner and includes an evaluation of all available evidence. Documentation of the process is as extensive as necessary to support a conclusion as to whether a decline in fair value below cost or amortized cost is temporary or other-than-temporary and includes documentation supporting both observable and unobservable inputs and a rationale for conclusions reached. In making these determinations for pooled TPS, the Corporation consults with third-party advisory firms to provide additional valuation assistance. This process considers factors such as the severity, length of time and anticipated recovery period of the impairment, recoveries or additional declines in fair value subsequent to the balance sheet date, recent events specific to the issuer, including investment downgrades by rating agencies and economic conditions in its industry, and the issuers financial condition, repayment capacity, capital strength and near-term prospects. For debt securities, the Corporation also considers the payment structure of the debt security, the likelihood of the issuer being able to make future payments, failure of the issuer of the security to make scheduled interest and principal payments, whether the Corporation has made a decision to sell the security and whether the Corporations cash or working capital requirements or contractual or regulatory obligations indicate that the debt security will be required to be sold before a forecasted recovery occurs. For equity securities, the Corporation also considers its intent and ability to retain the security for a period of time sufficient to allow for a recovery in fair value. Among the factors that the Corporation considers in determining its intent and ability to retain the security is a review of its capital adequacy, interest rate risk position and liquidity. The assessment of a securitys ability to recover any decline in fair value, the ability of the issuer to meet contractual obligations, the Corporations intent and ability to retain the security, and whether it is more likely than not the Corporation will be required to sell the security before recovery of its amortized cost basis require considerable judgment. Debt securities with credit ratings below AA at the time of purchase that are repayment-sensitive securities are evaluated using the guidance of ASC 325, Investments - Other. All other securities are required to be evaluated under ASC 320, Investments Debt Securities. The Corporation invested in TPS issued by special purpose vehicles (SPVs) which hold pools of collateral consisting of trust preferred and subordinated debt securities issued by banks, bank holding companies, thrifts and insurance companies. The securities issued by the SPVs are generally segregated into several classes known as tranches. Typically, the structure includes senior, mezzanine and equity tranches. The equity tranche represents the first loss position. The Corporation generally holds interests in mezzanine tranches. Interest and principal collected from the collateral held by the SPVs are distributed with a priority that provides the highest level of protection to the senior-most tranches. In order to provide a high level of protection to the senior tranches, cash flows are diverted to higher-level tranches if the principal and interest coverage tests are not met. 12 Table of ContentsThe Corporation prices its holdings of TPS using Level 3 inputs in accordance with ASC 820, Fair Value Measurements and Disclosures, and guidance issued by the SEC. In this regard, the Corporation evaluates current available information in estimating the future cash flows of these securities and determines whether there have been favorable or adverse changes in estimated cash flows from the cash flows previously projected. The Corporation considers the structure and term of the pool and the financial condition of the underlying issuers. Specifically, the evaluation incorporates factors such as over-collateralization and interest coverage tests, interest rates and appropriate risk premiums, the timing and amount of interest and principal payments and the allocation of payments to the various tranches. Current estimates of cash flows are based on the most recent trustee reports, announcements of deferrals or defaults, and assumptions regarding expected future default rates, prepayment and recovery rates and other relevant information. In constructing these assumptions, the Corporation considers the following:
The primary evidence utilized by the Corporation is the level of current deferrals and defaults, the level of excess subordination that allows for receipt of full principal and interest, the credit rating for each security and the likelihood that future deferrals and defaults will occur at a level that will fully erode the excess subordination based on an assessment of the underlying collateral. The Corporation combines the results of these factors considered in estimating the future cash flows of these securities to determine whether there has been an adverse change in estimated cash flows from the cash flows previously projected. The Corporations portfolio of trust preferred CDOs consists of 29 pooled issues and six single issue securities. Two of the pooled issues are senior tranches; the remaining 27 are mezzanine tranches. At March 31, 2012, the 29 pooled TPS had an estimated fair value of $24,192 while the single-issuer TPS had an estimated fair value of $7,786. The Corporation has concluded from the analysis performed at March 31, 2012 that it is probable that the Corporation will collect all contractual principal and interest payments on all of its single-issuer and pooled TPS sufficient to recover the amortized cost basis of the securities. The Corporation did not recognize any impairment losses on securities for the three months ended March 31, 2012 and 2011. At March 31, 2012, nine of the 12 pooled TPS on which OTTI has been previously recognized were classified as non-performing investments. The other three of the 12 investments on which OTTI was taken in prior years have returned to performing status due to improvements in expected cash flows with income of $133 accreted beginning in the first quarter of 2012. 13 Table of ContentsThe following table presents a summary of the cumulative credit-related OTTI charges recognized as components of earnings for securities for which a portion of an OTTI is recognized in other comprehensive income:
TPS continue to experience price volatility as the secondary market for such securities remains limited. Write-downs, when required, are based on an individual securitys credit performance and its ability to make its contractual principal and interest payments. Should credit quality deteriorate to a greater extent than projected, it is possible that additional write-downs may be required. The Corporation monitors actual deferrals and defaults as well as expected future deferrals and defaults to determine if there is a high probability for expected losses and contractual shortfalls of interest or principal, which could warrant further impairment. The Corporation evaluates its entire TPS portfolio each quarter to determine if additional write-downs are warranted. 14 Table of ContentsThe following table provides information relating to the Corporations TPS as of March 31, 2012:
Following is information about the Corporations PCI loans: 15 Table of Contents
16 Table of ContentsStates of the U.S. and Political Subdivisions The Corporations municipal bond portfolio of $182,881 as of March 31, 2012 is highly rated with an average rating of AA and 99.8% of the portfolio rated A or better. General obligation bonds comprise 99.5% of the portfolio. Geographically, the municipal bonds support the Corporations footprint as 76.8% of the securities are from municipalities located throughout Pennsylvania. The average holding size of the securities in the municipal bond portfolio is $1,010. This portfolio is also supported by underlying insurance as 77.4% of the securities have credit support. Non-Agency CMOs The Corporation purchased $161,151 of non-agency CMOs from 2003 through 2005. At the time of purchase, these securities were all rated AAA, with an original average loan-to-value (LTV) ratio of 66.1% and original credit score of 724. At origination, the credit support, or the amount of loss the collateral pool could absorb before the AAA securities would incur a credit loss, ranged from 2.0% to 7.0%. Since the time of these original purchases, all of which are classified as held to maturity, two holdings have been sold and one holding has paid off. The Corporation acquired an additional $42,870 of non-agency CMOs from acquisitions, retaining $4,298 and selling $38,572. These acquired securities are classified as available for sale. Non-agency CMOs have a book value of $23,518 at March 31, 2012. Paydowns during the first three months of 2012 amounted to $2,704, an annualized paydown rate of 37.7%. The credit support range at March 31, 2012 was 4.0% to 20.5%, due to paydowns, continued good credit performance and the sale of one non-agency CMO having a book value of $2,848 during the first quarter of 2012. National delinquencies, an early warning sign of potential default, have been increasing for the past five years. The slight upward trend of the rate of delinquencies throughout 2011 has continued through the first quarter of 2012. All non-agency CMO holdings are current with regards to principal and interest. The rating agencies monitor the underlying collateral performance of these non-agency CMOs for delinquencies, foreclosures and defaults. They also factor in trends in bankruptcies and housing values to ultimately arrive at an expected loss for a given piece of defaulted collateral. Based on deteriorating performance of the collateral, many of these types of securities have been downgraded by the rating agencies. For the Corporations portfolio, six of the eleven non-agency CMOs have been downgraded since the original purchase date. The Corporation determines its credit-related losses by running scenario analysis on the underlying collateral. This analysis applies default assumptions to delinquencies already in the pipeline, projects future defaults based in part on the historical trends for the collateral, applies a rate of severity and estimates prepayment rates. Because of the limited historical trends for the collateral, multiple default scenarios were analyzed including scenarios that significantly elevate defaults over the next 1218 months. Based on the results of the analysis, the Corporations management has concluded that there are currently no credit-related losses in its non-agency CMO portfolio. The one non-agency CMO that incurred a credit-related loss in 2011 was sold in March 2012 as a result of further credit deterioration and resulted in a net loss on sale of $226, which was recognized in first quarter 2012 earnings. 17 Table of ContentsThe following table provides information relating to the Corporations non-agency CMOs as of March 31, 2012:
18 Table of ContentsFEDERAL HOME LOAN BANK STOCK The Corporation is a member of the Federal Home Loan Bank (FHLB) of Pittsburgh. The FHLB requires members to purchase and hold a specified minimum level of FHLB stock based upon their level of borrowings, collateral balances and participation in other programs offered by the FHLB. Stock in the FHLB is non-marketable and is redeemable at the discretion of the FHLB. Both cash and stock dividends on FHLB stock are reported as income. Members do not purchase stock in the FHLB for the same reasons that traditional equity investors acquire stock in an investor-owned enterprise. Rather, members purchase stock to obtain access to the low-cost products and services offered by the FHLB. Unlike equity securities of traditional for-profit enterprises, the stock of FHLB does not provide its holders with an opportunity for capital appreciation because, by regulation, FHLB stock can only be purchased, redeemed and transferred at par value. At March 31, 2012 and December 31, 2011, the Corporations FHLB stock totaled $32,894 and $23,516, respectively, and is included in other assets on the balance sheet. The increase is a result of the Parkvale acquisition. The Corporation accounts for the stock in accordance with ASC 325, which requires the investment to be carried at cost and evaluated for impairment based on the ultimate recoverability of the par value. The Corporation periodically evaluates its FHLB investment for possible impairment based on, among other things, the capital adequacy of the FHLB and its overall financial condition. The Federal Housing Finance Agency, the regulator of the FHLB, requires it to maintain a total capital-to-assets ratio of at least 4.0%. At December 31, 2011, the FHLBs capital ratio of 7.4% exceeded the regulatory requirement. Failure by the FHLB to meet this regulatory capital requirement would require an in-depth analysis of other factors including:
At March 31, 2012, the Corporation believes its holdings in the stock are ultimately recoverable at par value and, therefore, determined that FHLB stock was not other-than-temporarily impaired. In addition, the Corporation has ample liquidity and does not require redemption of its FHLB stock in the foreseeable future. LOANS AND ALLOWANCE FOR LOAN LOSSES Following is a summary of loans, net of unearned income:
19 Table of ContentsCommercial loans include both owner occupied and non-owner occupied loans secured by commercial properties, as well as commercial and industrial loans. Commercial leases consist of loans for new or used equipment. Direct installment is comprised of fixed-rate, closed-end consumer loans for personal, family or household use, such as home equity loans and automobile loans. Residential mortgages consist of conventional and jumbo mortgage loans for non-commercial properties. Indirect installment is comprised of loans written by third parties, primarily automobile loans. Consumer lines of credit include home equity lines of credit (HELOC) and consumer lines of credit that are either unsecured or secured by collateral other than home equity. Other is comprised primarily of mezzanine loans and student loans. The loan portfolio consists principally of loans to individuals and small- and medium-sized businesses within the Corporations primary market area of Pennsylvania and northeastern Ohio. The portfolio also includes commercial real estate loans in Florida, of which 32% were land-related and 68% were non land-related as of March 31, 2012. Additionally, the portfolio contains consumer finance loans to individuals in Pennsylvania, Ohio, Tennessee and Kentucky, which totaled $157,885 or 2.0% of total loans as of March 31, 2012, compared to $163,856 or 2.4% of total loans as of December 31, 2011. Due to the relative insignificance of these consumer finance loans and the lower risk profile relative to the Florida loans, they are not segregated from other consumer loans. As of March 31, 2012, approximately 54% of the commercial real estate loans, including those in Florida, were owner-occupied, while the remaining 46% were non-owner-occupied. As of March 31, 2012 and December 31, 2011, the Corporation had commercial construction loans of $189,233 and $210,098, respectively, representing 2.4% and 3.1% of total loans, respectively. For each reporting period, total cash flows (both principal and interest) expected to be collected over the remaining life of the loan incorporate assumptions regarding default rates, loss severities, the amounts and timing of prepayments, the value of underlying collateral based on independent appraisals that the Corporation reviews for acceptability and considering the time and costs of foreclosure and disposition of the collateral and other factors that reflect then-current market conditions. The Corporation modifies, updates and refines assumptions as circumstances change. Contractual cash flows at each reporting period are determined utilizing the amortized cost method of loan accounting after recognition of contractual interest. Purchased Credit-Impaired (PCI) Loans The Corporation has acquired loans for which there was evidence of deterioration of credit quality since origination and for which it was probable, at acquisition, that all contractually required payments would not be collected. Following are provisional amounts recognized for PCI loans identified in the Corporations acquisition of Parkvale:
Following is additional information about PCI loans identified in the Corporations acquisition of Parkvale:
20 Table of Contents
The accretion in the table above includes $117 in 2012 and $709 in 2011 that primarily represents payoffs received on certain loans in excess of expected cash flows. Credit Quality Management monitors the credit quality of the Corporations loan portfolio on an ongoing basis. Measurement of delinquency and past due status are based on the contractual terms of each loan. Non-performing loans include non-accrual loans and non-performing troubled debt restructurings (TDRs). Past due loans are reviewed on a monthly basis to identify loans for non-accrual status. The Corporation places a loan on non-accrual status and discontinues interest accruals generally when principal or interest is due and has remained unpaid for 90 to 180 days depending on the loan type. When a loan is placed on non-accrual status, all unpaid interest recognized in the current year is reversed. Non-accrual loans may not be restored to accrual status until all delinquent principal and interest have been paid and the ultimate collectibility of the remaining principal and interest is reasonably assured. TDRs are loans in which the borrower has been granted a concession on the interest rate or the original repayment terms due to financial distress. Non-performing assets also include debt securities on which OTTI has been taken in the current or prior periods that have not been returned to accrual status. Following is a summary of non-performing assets:
21 Table of Contents
Following is an age analysis of the Corporations past due loans, by class:
The Corporation utilizes the following categories to monitor credit quality within its commercial loan portfolio:
22 Table of ContentsThe use of these internally assigned credit quality categories within the commercial loan portfolio permits managements use of migration and roll rate analysis to estimate a quantitative portion of credit risk. The Corporations internal credit risk grading system is based on past experiences with similarly graded loans and conforms with regulatory categories. In general, loan risk ratings within each category are reviewed on an ongoing basis according to the Corporations policy for each class of loans. Each quarter, management analyzes the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the commercial loan portfolio. Loans that migrate toward the Pass credit category or within the Pass credit category generally have a lower risk of loss and; therefore, a lower risk factor compared to loans that migrate toward the Substandard or Doubtful credit categories, which generally have a higher risk of loss and; therefore, a higher risk factor applied to those related loan balances. Following is a table showing commercial loans by credit quality category:
The Corporation uses payment status and delinquency migration analysis within the consumer and other loan classes to enable management to estimate a quantitative portion of credit risk. Each month, management analyzes payment and volume activity, as well as other external statistics and factors such as unemployment, to determine how consumer loans are performing. Following is a table showing consumer and other loans by payment activity:
Loans are designated as impaired when, in the opinion of management, based on current information and events, the collection of principal and interest in accordance with the loan contract is doubtful. Typically, the Corporation does not consider loans for impairment unless a sustained period of delinquency (i.e., 90-plus days) is noted or there are subsequent events that impact repayment probability (i.e., negative financial trends, bankruptcy filings, imminent foreclosure proceedings, etc.). Impairment is evaluated in the aggregate for consumer installment loans, residential mortgages, consumer lines of credit, commercial leases and commercial loan relationships less than 23 Table of Contents$500. For loan relationships greater than or equal to $500, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using a market interest rate or at the fair value of collateral if repayment is expected solely from the collateral. Consistent with the Corporations existing method of income recognition for loans, interest on impaired loans, except those classified as non-accrual, is recognized as income using the accrual method. Impaired loans, or portions thereof, are charged off when deemed uncollectible. Following is a summary of information pertaining to loans considered to be impaired, by class of loans:
24 Table of Contents


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At the end of each year, staff members at all three of our shops – in Cambridge, the South End of Boston and in New York – fill out a staff survey. We reflect on what we have tasted over the course of the past year – moments where we were surprised (both pleasantly and unpleasantly), new and exciting food experiences, as well as the flavors we found ourselves returning to time and again. We pick our favorites and share memorable moments. Some tried-and-true items appear in our survey results year after year – other items are new and exciting finds from the current year – goodies in this instance that distinguished 2013 from all others. Here are our top ten picks culled from this year's survey results! (more…)
Archive for the 'Dairy (non-cheese)' Category
Staff Survey Results: Our Top 10 of 2013
Posted in About Us, Beverages, Breads, Crackers & Snacks, Candy & Confections, Cheese, Chocolate, Dairy (non-cheese), Jams & Preserves, Meats & Charcuterie, Pasta, Produce, Staff Events, Wine, tagged Ardèche jams, Belgian waffles, biodynamic, bitters, boudin blanc, Cabot Clothbound Cheddar, Catharine Sweeney, Cheese, Chocolate, cocktails, Comté Grand Cru, Confitures de l'Ardèche, couscous, Dram Apothecary, EH Chocolatier, Elaine Hsieh, favorite foods, favorites, Ferdinando Zanusso, Finocchiona, food, Formaggio Food Community, Francisco Javier Rodriguez Perez, Fromageries Marcel Petite, fruit, housemade sausages, I Clivi, jams, M'hamsa, M'hamsa couscous, Mario Zanusso, organic, organic fruit, organic produce, organic wine, organic yogurt, Pascal Raunicher, preserves, Produce, robiola, Robiola Enrico, salami, salt water taffy, Salty Road, Salty Road taffy, Salumeria Biellese, shishito peppers, Sparrow Arc Farm, staff picks, staff survey, Straus Family Creamery, Sylvie Raunicher, taffy, top 10 of 2013, tortilla chips, Tortilleria La Niña, vegetables, Veritable Vegetable, waffles, Wine, Xavi Perez, Xocolata Oli d'Oliva, Xocolates Aynouse, yoghurt, yogurt on December 4, 2013 | 2 Comments »
A Friend's Finishing Touch: Goat Milk Caramel
Posted in Dairy (non-cheese), Desserts, Recipes, tagged Beltane Farm, caramel, dessert, food, goat milk, goat milk caramel, recipe on May 5, 2012 | 1 Comment »
On weekends, we often have 12-16 people over for dinner. Since neither Ihsan nor I are big dessert eaters, someone else usually brings dessert. A couple of weeks ago, our good friend, John "Doc" Willoughby, brought a gingerbread cake and homemade goat milk caramel sauce. I have long been a big fan of anything made with goat milk, so I was thrilled with the dessert. Suffice it to say, we ate everything. (more…)
Burro 1889: An Exceptional Italian Butter
Posted in Dairy (non-cheese), Italy, Producer Profile, Recipes, tagged blended butters, Burro 1889, butter, compound butter, Fattorie Fiandino, Italian butter on January 25, 2012 | Leave a Comment »
Italian cuisine is often associated with Mediterranean ingredients like olive oil. However, if you travel along the country's northern borders, you will find many locals producing and regularly cooking with butter. Generally speaking, butter gets its flavor from the quality of milk used to make it, and its texture from the techniques used to manipulate that milk into the final product. (more…)
Just In: Jeni's Ice Cream
Posted in Dairy (non-cheese), Producer Profile, United States, tagged Chocolate, dairy, food, ice cream, Jeni's ice cream, milk, pear, sorbet on April 14, 2010 | 5 Comments »
In addition to my chocolate problem, I have a concerted weakness for ice cream. I lamented the closure of Herrell's in Harvard Square, a staple of my college days. However, I now have reason to rejoice in the arrival of Jeni's ice cream in our store.
Before it actually hit our shelves, Jeni's sent several pints of their frozen magic which we opened up in the kitchen and which staff (liberally!) sampled. As Liddabit's chocolate bar, The Snacker, made me revisit and rethink my aversion to peanuts in my sweets, Jeni's ice cream surprised me with the addictiveness of its non-chocolatey flavors. Chocolate (or something with chocolate chunks in it) tends to be my go-to ice cream flavor. With Jeni's, however, it's not quite so simple. If there were a fairytale written about ice cream, or if Edmund had been seduced by ice cream instead of Turkish Delight in The Lion, the Witch and the Wardrobe or if Willy Wonka had made ice cream, I could easily imagine them using the flavors that Jeni's has so imaginatively and deliciously concocted! (more…)


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YES! This is the Obligatory Legal Stuff for you.
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Please carefully read the following terms and conditions relating to your participation in any of John Shelton's and Elizabeth Anderson's events or workshops which are conducted by Life Course Discovery ("Promoter"). These terms and conditions are relevant to all Life Course Discovery events and workshops. For the purposes of this site, and since registrants may register for only one event at a time, all events and workshops will be referred to from here forward in the singular tense as simply the "Workshop."
By registering for the Workshop, you (the "Attendee") signify your acceptance of and obligation to these terms and conditions. If you have objections to the following Terms and Conditions, you should not register for or attend the Workshop.
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Promoter requires all Attendees to be respectful and professional to our staff, location hosts, speakers, and other attendees and their guests or families throughout the Workshop, even during non-scheduled downtime and breaks. Promoter reserves the right to ask Attendee and/or their guests to leave the location immediately should they be deemed rude, uncooperative, unprofessional, intoxicated or in possession of alcohol or any illegal substance. In such case, the Attendee's tuition/fees for the Workshop will not be reimbursed under any circumstances and they will not receive any future products, services or correspondence from Promoter. Attendee will also not receive any of our advertised bonuses or qualify for our satisfaction guarantee or any other written or implied guarantee.
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While we take every possible measure to ensure Attendee safety at the Workshop, we cannot control everything. For this reason, Attendee is legally responsible for their safety and behavior and agrees to, and is held legally liable to, the following statements:
I, the willing Attendee of the Workshops, hereby accept all risk to my health and of my injury or death that may result from participating in the Workshop and I hereby release Promoter, John Shelton, and their officers, employees, interns, contractors, sponsors and representatives from any and all liability to me, my personal representatives, estate, heirs, next of kin, and assigns for any and all claims and causes of action for loss of or damage to my property and for any and all illness or injury to my person, including my death, that may result from or occur during my participation at the Workshop, whether caused by negligence of the Promoter, its governing board, officers, employees, or representatives, or otherwise. I further agree to indemnify and hold harmless Promoter, John Shelton and any third-party company from liability for the injury or death of any person(s) and damage to property that may result from my negligent or intentional act or omission while attending and participating in the Workshop. Under no circumstances will Promoter or John Shelton or their assigns be held liability for my injury or death or any loss or damage of my personal belongings resulting from my participation in the Workshop. Should I require emergency medical treatment as a result of accident or illness arising during my attendance and participation in the Workshop, I consent to such treatment. I acknowledge and I agree to be financially responsible for any medical or legal bills that may be incurred as a result of emergency medical treatment. I will notify Promoter verbally and in writing if I am at any time injured prior to, during, or after the Workshop in my travels or attendance, or if I have medical conditions about which emergency medical personnel should be informed; however, I understand that Promoter is not legally obligated to act on that information in any way or to providing any medical service whatsoever to me. I agree that if I have any medical or psychological conditions that may hamper me from fully and healthfully participating in the Workshop that I will notify the Promoter and that the Promoter retains the right to ask that I not participate in portions of or the entirety of the Workshop.
Liability Disclaimer: No Professional Advice
The information contained in or made available by the Promoter, John Shelton, or any third-party through the Seminar or their websites or services cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, mental, financial, medical, psychological, or legal fields. Promoter does not offer any professional personal, medical, financial or legal advice and none of the information contained in the Workshop should be confused as such advice. Neither Promoter, John Shelton nor their assigns, sponsors, speakers, partners, contractors or any of their affiliates will be liable for any direct, indirect, consequential, special, exemplary or other damages to the Attendee or the Attendee's business, including economic loss, that may result from participation in the Workshop or from the use of, or the inability to use, the materials, information, or strategies communicated through the Workshop or any products or services provided pursuant to the Workshop, even if advised of the possibility of such damages. Under no circumstances, including but not limited to negligence, will Promoter or John Shelton be liable for any special or consequential damages that result from Attendee's participation in the Workshop. To be clear: You, the Attendee, alone are responsible and accountable for your decisions, actions and results in life, and by your participation in our Workshop, you agree not to attempt to hold us, the Promoter or John Shelton, liable for any decisions, actions or results that you make or experience in business or in life due to your participation in this Workshop at any time, under any circumstance.
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- Josh Robbins of the Orlando Sentinel: "Only a year and a half has passed since the Orlando Magic made a crucial decision about J.J. Redick. The team chose to retain Redick by matching the three-year, $19 million offer sheet Redick had signed from the Chicago Bulls as a restricted free agent. It's tough to believe, but the Magic have another contract-related decision to make about Redick within the next six months. It was not disclosed at the time — the team does release details about player contracts — but the Magic essentially hold a team option for the final year of his deal, the 2012-13 season. In the highly unlikely event the Magic waive him before July 8, Redick would not be owed any of the roughly $6 million he is due for that season, and he would become an unrestricted free agent. […] Team options and player options are relatively common in the NBA, and it would seem that retaining Redick for 2012-13 would be a no-brainer unless he is traded before then."
- As the Orlando Magic try to retain Howard long-term and pair him with a star player, trade assets are emerging on the team's roster.
- Ryan Anderson is trying to focus more defensively.
- Now is a perfect time for a Matrix reference in light of Anderson's hot start this season.
- Kevin Pelton of Basketball Prospectus pens a thoughtful piece on player evaluation: "In a single game, for example, scouting should get more consideration than the other two factors. As Dean Oliver once aptly noted, 'Individuals see a basketball game better than the numbers, but the numbers see all the games.' The crucial takeaway is that none of the evaluation methods is sufficient on its own. Plus-minus statistics are often unreliable, individual statistics are incomplete and we can be fooled by what we see (or don't see). We've long moved past the outdated notion that scouting and statistics are opposed to each other. Instead, at their best, they work together to help us form more robust evaluations that are more likely to prove correct."
- Kurt Helin of ProBasketballTalk on the Magic's loss last night: "This is a schedule makers win — Orlando was playing their fourth game in five nights and just looked tired. It was a slow, slow game (82 possessions) which added to the feeling of everything dragging."
- Britt Robson of Sports Illustrated: "After getting pasted by the Thunder on Christmas, the Magic rebounded with four straight wins before falling in Detroit on Monday. The system is the same: They are taking and making a ton of threes, while daring opponents to try to challenge Dwight Howard inside. While Jameer Nelson, Jason Richardson and Glen Davis have struggled, Hedo Turkoglu is compensating for his porous defense with hot outside shooting, Ryan Anderson (19.2 points, NBA-high 22 three-pointers) is producing at power forward and J.J. Redick continues to improve. But the schedule has been pretty soft to this point, and tougher opponents are likely to expose Orlando's utter lack of depth at center. Before fouling out late against the Pistons, Howard had been whistled for just 13 fouls in his first five games."
Eddy Rivera is the Editor-in-Chief of Magic Basketball. Follow him on Twitter.


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Date of the Event:
Friday, May 9, 2014 - 6:30pm
On Friday, May 9th, at 6:30pm, the San Jose Peace and Justice Center hosts a screening of the film "Smuggled", winner of the best feature at the 2012 Mexican International Film Festival. There will be a facilitated discussion after the film. The event takes place at the San Jose Peace and Justice Center, 48 S. 7th Street in San Jose. For more information, contact (408) 297-2299.


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Ever irreverent, Gawker reacted to the sale with this image and a post suggesting that the Graham family had seized "a golden opportunity to take the money and run":
The Wall Street Journal sold six years ago for $5 billion; the WaPo is selling for 1/20th of that. That's the direction the newspaper business is headed. It is becoming a boutique business for extremely rich people—a way for them to luxuriate in the prestige, and cultural respect, and political influence that newspapers still command, to some extent.
And in case we were in danger of being of being overwhelmed by ornate elegies, Nigerian-American writer Teju Cole tweeted a more trenchant summation of yesterday's events:
Capitalist Buys Thing.
— Teju Cole (@tejucole) August 5, 2013


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Musix Review
+ Universal App - Designed for iPhone and iPadMusix provides its users with an intuitive, easy-to-learn graphical user interface which makes it surprisingly easy and rewarding to learn (or just play) music, appealing to music lovers at every level. Considering what you get for the price, this is one music app that deserves its own spot within your app library.
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