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62 total reviews
Wedding: 8/31/2014
Our experience with Kristin has been nothing short of magical. From the first phone call to seeing some sneak peaks on her blog after the big day, Kristin has been a constant professional and truly deserving of all the praise. That eye! That talent!
Kristin made us feel so comfortable throughout the whole process, and listened to all our preferences and thoughts. One of the BEST reasons that made us feel so at ease with Kristin is how incredibly RESPONSIVE she is. Most responsive vendor ever!!! Her turn-around time is also lightning fast. I know she has a million clients, but she always made us feel like her only one, and that is truly amazing and special.
And a note on her products - we've yet to receive our album, but everything else has been top notch... from the client site (where the contract and forms are), to the awesome USB of your pictures, to the full site pictures... it's all so seamless and easy.
We even got a little surprise recently - a slideshow of some wedding pictures set to great music - it was the best surprise ever, and we teared up when we all watched it. Kristin captured our day and emotions so effectively and beautifully. Cannot say enough great things about Kristin!! You must hire her NOW. :)
Wedding: 3/29/2014
I cannot say enough about how amazing our experience with Kristin was!! She took our Engagement and Wedding photos and not only were the results mind blowing, she also made us feel comfortable and relaxed during our sessions. The night of the wedding, she was great about making sure we were on time but also capturing all the photos we wanted. She was also extremely flexible when the evening schedule changed. The wedding album is breathtaking and we were amazed at some of the moments she captured throughout the night. We're looking for excuses to use her amazing skills again :)
Wedding: 5/26/2014
My husband and found Kristin online and were immediately impressed with her work. Then we met her in her adorable, charming studio and we were really impressed! Booking was very easy. She's got the whole system down from contracting to wedding worksheets. She makes everything so seamless and stress free! She is also VERY prompt and upfront when corresponding- something a bride can REALLY appreciate! We loved engagement photos, but the real artistry came at our wedding. You will never look better! She not only captured us to perfection, but our guests and venue as well! She is thoughtful, romantic, silly, and charming... all qualities reflected in her work. We are so happy we spent the money for these captured memories- they are absolutely incredible, as is Kristin.
Wedding: 9/13/2014
From my first meeting with Kristin, I couldn't wait to book her for our September 13 wedding. Her energy is amazing and she could not be more passionate and excited to create some absolutely stunning memories. Her work speaks for itself... I couldn't be happier with the gorgeous and creative photos that she took.
Kristin really ended up being more than a photographer...she helped us think though a ton of logistics for the big day. She was also organized and responsive throughout the wedding planning process which helped this bride stay that much more sane.
She was also incredibly quick with posting pictures on her blog and FB page so that we could get a sneak peek of our engagement and wedding photos. We got our full set of proofs in just a few weeks which was also amazing.
Thanks so much Kristin!!!
Wedding: 6/20/2014
Kristin is amazing! She made us feel so comfortable and so at ease during our engagement session. Her work is outstanding, and the lighting and way she creates the photos are just stunning! Highly recommend! Can't wait for her to photograph our wedding! :)
Wedding: 9/20/2014
I have known Kristin since High School, and had no idea how talented she was until I looked at her work. I knew before I was even engaged that I wanted to use her for my wedding.
Kristin is great! She pays attention to the details you will forget, and is more organized than anyone I know...including myself. It's definitely one less thing that you have to worry about when you're planning your wedding. The photographer can sometimes be a burden or another hassle, but when you work with Kristin, that is totally NOT the case. She makes wedding planning so easy, and helps you with more than just the photos! I can't wait to use her for family photos down the road :) Book her before she is unavailable!
Wedding: 7/5/2014
It took me a long time to find a photographer. This is because many photographers are apart of a huge company and never get a chance to get to know the bride and groom. Kristin gets to know her clients. She is extremely professional and talented. I also chose her because of her creativity with her photos. She is very artistic. Kristin definitely captured my wedding day perfectly and I cannot thank her and her team enough. It was truly a fabulous day. I will definitely be recommending her to my friends and family.
Wedding: 7/4/2014
Kristin thought of everything! You can tell that she is in the wedding business and adores what she does. She pays attention to the details and we could not be more pleased with our photos. Her style is more photo journalistic and less posey. I love the candid shots. Kristin and her crew made my wedding day go so smoothly. We have gotten so many compliments on the photos already. I would highly recommend her.
Wedding: 10/4/2014
I was very particular when I was looking for photographers for our October wedding. But from the second I saw Kristin's photos, I fell in love. Her aesthetic is so warm, and romantic. There were many other talented photographers, but her photos were the only one that really captured the warmth and happiness I wanted to remember my wedding day. She is definitely more expensive than a lot of other photographers we looked at, but photos were a very high priority for me, so it was worth it.
Our engagement session created the most magical photos. People told me they looked like a magazine photo spread. They are truly fab.
Our wedding was just a couple weeks ago, so I haven't received the pics back yet, but I am awaiting with anticipation!
Kristin is lovely and funny, and very easy to work with. She makes the whole process fun and not awkward. Well...sometimes she makes awkward comments to get a good smile. But all for the the best photos! :)
I highly recommend working with Kristin!
Wedding: 8/16/2014
Kristin is amazing through every step of the process. From the moment you book with her until she sends you your photos, you will be taken care of.
I booked with Kristin a week after getting engaged because I had been following her work on Facebook and she was the one thing I was sure about from the very beginning (aside from the person I was marrying of course, haha). I was elated to find out she was available for my date. Her responses from them on out were extremely prompt, usually within the hour. She answered every possible question I had. Right off the bat I felt very secure in my decision.
The engagement session went amazingly well and I couldn't believe how many different types of photos she got in just an hour. We had so many great photos to choose from for our save the dates!! And our smiles looked natural because her presence made us feel genuinely happy.
When it came time for the wedding day, Kristin and her team swooped in and took charge in the best way possible. I was kind of all over the place, and when she got there she stepped in as almost a coordinator or sorts. I really needed that. I found myself asking her throughout the night questions like "when are we supposed to do the bouquet toss?".... I was clueless, and she was a saint.
The strangest part though, is that even though she was so involved, nobody noticed they were even there. Everyone who was at my wedding and then saw the pictures kept asking me "When did she take this picture?! We didn't even see her!!". Kristin somehow manages to be 100% involved and there for you, while also being 100% unobtrusive and out of the way. It's a remarkable talent.
And after all of that, we have the most incredible photos to show for it. Photos I will treasure for the rest of my life. We received a sneak peek days later on our honeymoon that brought me to tears. Just a couple weeks later, we received hundreds of amazing photos that captured every aspect so perfectly.
Kristin is a one of a kind talent. She's a sure bet, and I would recommend her to everyone.
Wedding: 9/27/2014
We hired Kristin for our September 2014 wedding and she was amazing! Kristin and her team were my favorite vendors that we worked with. She is very sweet and outgoing and makes you feel completely comfortable during your big day. This is especially important when most of us aren't used to being followed around by cameras the entire day! Her work is amazing and she has a true eye for the smallest details that can make a photo so stunning and memorable. Kristin is a true professional - very responsive, attentive and really wants to share your vision to ensure you remember the most important day of your life beautifully. I cannot recommend her enough!
Wedding: 8/23/2014
My fiancé and I decided to forego a videographer and used our "photography" budget on just a photographer, and Kristin was worth every penny. Not only was she super thorough, but a blast to work with. She made us feel so comfortable during the whole process!! We have amazing engagement and wedding photos that will last a lifetime. Words truly can't describe how happy we were with Kristin and her crew. She has quite a talent, and I am so happy that we had her to capture this wonderful moment in our lives.
Wedding: 6/7/2014
Kristin was a joy to work with! We are so glad we splurged for her! She has an incredible eye and a personality that keeps things fun and light. We loved the engagement session and were completely stress-free going into the wedding about pictures. She was very prompt and professional. We absolutely loved working with Kristin La Voie Photography! And the pictures prove our day was magic!
Wedding: 5/31/2014
Kristin did our engagement session and our wedding. The photos are so beautiful, people can't stop talking about them! She is so positive and up-beat, and really set the tone for the day. She was great with all the family members and kids, even my husband who hates having his picture taken - she got a few real smiles out of him! I would recommend Kristin for any photo-related needs! :)
Wedding: 3/23/2013
Being a professional wedding photographer myself I had the hardest time finding a wedding photographer, as Kristin was booked on my date. After searching high and low I decided to change my wedding date so that Kristin could shoot my wedding, that was the best decision I made! Being a photographer myself I had a vision in my head of what I wanted the photographs to look like and I seriously was blown away how beautiful the images turned out! They turned out better then I ever imagined! I'm SO thankful I decided to change my date to have Kristin be my photographer. She delivered amazing images after the wedding, that I am so happy to have forever! She helped the day flow wonderfully and had a great second shooter to help create more beautiful images. I hands down recommend her to anyway, she is worth every penny! Professional, talented, creative and amazing!
Wedding: 5/24/2014
I LOVE Kristin La Voie Photography. So far we have only had our engagement session but it turned out better than I could have asked for.
Beginning with our initial phone call to our many, many emails to our actual session Kristin has been constantly in contact with us. She is so genuinely interested in everything I've had to ask so far. Throughout our entire engagement session she had my fiance and I cracking up :). We had a blast shooting pictures all around Navy Pier and Olive Park I couldn't have asked for anything better.
Kristin just truly has a passion for photographing couples in love. I'm so happy we chose her for our engagement/wedding pictures. I cannot wait to until our wedding because I am 100% certain our pictures will turn out amazing :).
Wedding: 9/7/2013
Kristen and staff recently shot my Michigan Vineyard wedding and engagement photos. I just received the proofs and they are AMAZING! I can't explain how pleased we are with her services. I would recommend Kristin to anyone and everyone! Couldn't be happier! Thanks for capturing every moment!
Aubree and Dave
Wedding: 9/21/2013
Kristin is absolutely amazing. One of the first things I did when we got engaged was to look at wedding photographers. Photography was one of the most important things to me and something I wanted to book very early on. After looking at tons of photographers websites, we decided to hire her over two years ago for our wedding and engagement photos. She did our engagement photos last year and they were amazing. We got lots of photos back and we loved the all. We received so many compliments on them! I knew we made the perfect choice for our photographer. We were just married on 9/21/13 and although we've only seen her Facebook sneak peek (which we adore) we are sure our photos will be as amazing as our engagement photos. Kristin was fabulous to work with and always helpful, she is a true pro! Kristin is the perfect choice for your wedding photographer. She is also super fast at getting photos up on Facebook and her blog and we love that we got to see our sneak peeks so soon!
Wedding: 8/17/2013
Kristin is the second photographer we booked for our wedding this past August. The first one freaked out and basically canceled on us 3 weeks before the wedding when I expressed some concern about not liking some of the engagement photos. She said my expectations were too high and that what I was asking for was unrealistic.
By some miracle Kristin happened to be available for my date and did not seem at all concerned when I described what I was looking for. I booked her immediately and am so glad that I did! She was professional, fun to work with, and delivers AMAZING photos.
I don't know how else to describe the difference except to say that the photos I got with Kristin are what you see on pinterest and in magazines, the photos I got with the first photographer were just not. I would absolutely recommend her and can't wait to work with her in the future - she also does baby photos!
Wedding: 10/12/2013
Working with Kristin has been an amazing experience thus far!!! Her unique way of capturing special moments during our engagement photo session resulted with jaw dropping images. Kristin's pictures tell a story and her talent speaks for itself. She definitely takes pride in every single picture she takes and her reactions let you hear how much she loves her work! I am beyond excited to see her continue with our wedding day. :)
Fine Art Weddings for the Romantic at Heart
We are Chicago's Premier Fine Art Wedding Photographer, shooting both digital and film formats, for the romantics in the City! Serving all of Chicagoland and Internationally.
Our award-winning work has been published in Nationally acclaimed websites like Style Me Pretty and printed publications.
- Starting Price Range: $3,000-$4,999
- Other Styles: Boudoir, Trash the Dress
- Specialty: Photojournalism
awards and affiliations
- The Knot Best Of Weddings Hall Of Fame
- The Knot Best Of Weddings 2015
- The Knot Best Of Weddings 2014
- The Knot Best Of Weddings 2013
- The Knot Best Of Weddings 2012
- The Knot Best Of Weddings 2011
Kristin La Voie Photography's twitter
I posted 7 photos on Facebook in the album "KLP Boudoir 2015" fb.me/4oGRjOF40
15 Hours ago from @MoreBokeh
breathtaking beauty Hair & Makeup by Joanna B Artistry Flowers by May Floral fb.me/76o5ck99a
16 Hours ago from @MoreBokeh
what bridal dreams are made of fb.me/3zhwykoEO
27 Feb from @MoreBokeh
We have a gorgeous red-headed beaute on the new BEAUTY BLOG tonight :)... fb.me/3Eh575dIT
26 Feb from @MoreBokeh
We have partnered with Style Me Pretty to share an amazing wedding discount with our adoring fans , PLUS we are... fb.me/4kkreIn8p
24 Feb from @MoreBokeh


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Most software at this site consists of one-of-a-kind programs. You won't find similar applications no matter where you search for, or how much you'd be willing to pay for.
There is the main software page that describes how to download, install, and run the applications. The first-time visitors are strongly advised to read that page first and foremost. It is not hard at all for all the benefits this very powerful software provides:
The software titles are grouped by common functions in seven categories. Each category has a specific download page. Meaningful descriptions are attached to every program, plus links to more detailed articles. The seven software categories are indexed from 5.1 to 5.7. Meaningful descriptions of the categories follow. Then, software titles, packages, bundles, and programs for a specific game type will round up this resource.
This category comprises a wide variety of utility software working with lottery games. The lottery programs in this group perform smaller tasks, other than analysis and combination generating. The number of functions comprised in this category is staggering. You need to read the info files accompanying the specific software title. You need also to run the lottery software for yourself. The best experience is hands-on experience.
This category comprises a wide variety of software working with horse racing. Horse-racing is treated as a form of lottery, more specifically pick-3 lottery (trifectas). The software performs statistical analyses, generates the filter reports, then it generates optimized trifecta combinations.
This category comprises a wide variety of software working with sports betting. The software performs statistical analyses, generates the filter reports, then it generates optimized combinations.
The software performs statistical analyses for the casino games of Baccarat, Blackjack, and Roulette.
I. The software analyzes both random roulette spins and real-life casino roulette spins. The software also works in conjunction with a free roulette system presented on the main roulette page.
II. The software simulates random blackjack hands from the perspective of a strict basic strategy Player The program outputs the skip chart of the winning (W+) and losing (L-) hands for Player; P means push (tie).
III. The software simulates random Baccarat hands for the three outcomes: Banker (B+), Player (P-), and Push (0). The program outputs the skip chart of the Banker (B+) and Player (P-) hands; 0 means push (tie).
The software in this group is one of the best ever and highly unique. The programs deal with theory of probability; calculating odds for various games of chance, perform statistical functions (e.g. standard deviation, binomial distribution, hypergeometric distribution, etc.) There are also mathematical programs that perform tasks in combinatorics. The software calculates and generates permutations, combinations and everything else as far as the number sets are concerned.
The software in this category is quite diverse. You'll find also here software written by other authors and offered as freeware or shareware by third-party authors – downloadable absolutely for free. Furthermore, text editing software and file viewers are offered here. You can also create beautiful Command Prompt screens via batch file programming or easy BASIC programming. The Command Prompt is absolutely a must when it comes to performance — especially with huge-odds lotto games.
Following is a more specific presentation of the most important software titles. You might want to copy, paste, save to a new file (eventually print) this section.
• More specific software for pick-3 lottery
• More specific software for pick-4 lottery
• More specific software for 5-number lotto games
• More specific software for 6-number lotto games
• More specific software for 7-number lotto games
• More specific software for '5+1' lotto games: Powerball, Mega Millions, Euromillions, Super Lotto, etc.
These games are not nearly as well represented as the 5- and 6-number lotto games.
• More specific software for the '5+2' lotto game named Euromillions
This game is not nearly as well represented as the 5- and 6-number lotto games.
• More specific software for horse racing
• Specific software for blackjack and baccarat
• Specific software for roulette
• Specific software for sports betting
• Miscellaneous software for mathematics, probability theory, combinatorics, statistics (software category 5.6)
• Please be advised that the software is NOT free to download. Paid membership is required in order to download the software you want. The membership fee is negligible when compared to similar software packages. The cost is less than a dime per program!
• The software you download, however, is FREE to run for an unlimited period of time. It has no crippled features, and no strings attached. It is not shareware: It is totally freeware for an unlimited number of runs. Read the Terms of Service (TOS): Download Great, Original, Unique Software: Paid Membership Required. It costs only pennies per program with a one-time payment. All updates and upgrades are free. Pay safely online via PayPal — or click Pay Now just to see the order page with no obligation:
Read Probability Theory, Live!
Founded on valuable mathematical discoveries with a wide range of scientific applications, including probability theory applied to software and systems for casino gambling, lottery, lotto, horse racing, sports betting, blackjack, roulette... and so much more...
Ion Saliu,
Software Developer & Site Owner
"A good man is an axiomatic man; an axiomatic man is a happy man. Be axiomatic!"
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Results 1 to 21 of 21
- 02-17-13, 10:09 AM Thread Author #1
[Rumor] BB10 to be released March 1st in US
Unlocked Blackberry Z10 Available March 1
By Alexandra Leigh | More Articles
February 17, 2013
Research in Motion�s (NASDAQ:BBRY) first smartphone of 2013, the BlackBerry Z10, will not be released in the U.S. until March 1, 2013. It is already on sale in the UK, Canada, and UAE � but only versions locked into contracts. UK fans who want to get their hands on a SIM-free, unlocked version will also have to wait until March 1, when it will be available for a price tag of 534 pounds through mobile device retailer, Clove
I don't know if this reporter is confusing an unlocked release with a US release, but if true this is great news!! I'll pick up an unlocked for myself, and wait for the contract prices for the other 2 I want to pick up -
- 02-17-13, 11:11 AM Thread Author #4
link for those interested:
Unlocked Blackberry Z10 Available March 1 | Wall St. Cheat Sheet - 02-17-13, 11:23 AM #5
Let's not get our hopes up based on speculation, as per the quoted article. It will do more harm than good if it doesn't pan out. What we need is a credible source.
Posted using CrackBerry App on BB10IPod Touch,IPhone4, IPhone4S, IPad2,16GB Playbook,32GB Playbook,Blackberry 9800 Torch,Blackberry Z10,BlackBerry Q10, BlackBerry Passport, Samsung Galaxy Note 8' Tablet - 02-17-13, 11:29 AM #7
Somebody has botched the original article, ntentionally or not, by slipping in an S rather than a K as in UK.
The original article
BlackBerry Z10 unlocked satisfaction from March 1
Under: BlackBerry, Mobile Phones
Date: February 16th, 2013
The BlackBerry Z10 has been creating a lot of attention since its recent release and it�s hardly surprising as this flagship smartphone is the first to run the new BlackBerry 10 operating system. It has already launched in the UK and Canada and comes to the US in March but it has only been available in the UK with a contract so far. The good news is that will be on sale unlocked from March 1 for those in the UK and we also have price details for you.
BlackBerry Z10 unlocked satisfaction from March 1 � Phone Reviews - 02-17-13, 11:53 AM Thread Author #9
Come to think about it I don't think a major US carrier would release unlocked phones before a contract phone. Defeats their business model of locking customers into high margin service contracts.
Oh well, was nice to dream for a bit. - 02-17-13, 12:29 PM #10
Could this be why all carriers are insisting on contracts as it stops people in the US from ordering phones from Canada and the UK. If Blackberry were shipping these phones in to the US via the carriers it would **** off the US carriers who incidentally are about to make it illegal to unlock a phone in the US.
This is just all my wild speculation. -
The US release date will be announced either by BB or the carriers and the news will be carried on major blogs like AllThingsD, Engadget, etc. Why do so many of you guys continue posting amateurish speculations from these no-name sites? I mean there is literally a section in the navigation bar that reads "Gold and Silver". Forbes and Bloomberg better watch out; there's a new finance cowboy in town!
Just bought one in orange FR shop with a monthly contract (no engagement required) . 519 ?. Will cost me 16 additional for unlocking.
Posted via CB10Join my BBM Channel : C00035FA6
"I speak English like a Spanish Cow"
I'm a StockBerrian, proudly holding501502504005501000 BlackBerry shares
- 02-17-13, 03:38 PM #13Join my BBM Channel : C00035FA6
"I speak English like a Spanish Cow"
I'm a StockBerrian, proudly holding501502504005501000 BlackBerry shares
Yeaah those are euros. Not ben franklins. Now if this were true... Since this is what I plan on doing... What place would sell these? Where do we get these?
I thought unlock was illegal in the states now anyway
This doesn't sound very reliable to me since I bought my SIM-free unlocked Z10 on Feb 1st in the UK for 479 from Carphone Warehouse. And yet this article seems to think that it won't be available here until March 1st?
Posted via CB10 - 02-18-13, 04:32 PM #18
I got a guy who knows a guy from around the way who said he knows a girl whose boyfriend's father works with a guy that has a neighbor down the street from him that said it was coming out in 2 weeks in the US at a hot dog stand near you.........
"Every tradition constructed by human beings is subject to ossified arrogance, blinding pomposity and outright bigotry. That is true not just for Judaism, not just for Christianity, not just for Islam, it is true for secular traditions as well."
Dr. Cornel West - 02-18-13, 05:26 PM #20
- 02-18-13, 11:04 PM #21"Distrust and caution are the parents of security." -Benjamin Franklin
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With a usual topic at hand, Snoop hits iTunes with his latest single.
PREVIOUS: Too $hort & Snoop Dogg – Freaky Tales (Video)
Posted in Singles | Tags: snoop dogg
I honestly think Snoop is the smoking king.
Prod. by who? LOL I like this.
Snoop is just having fun at this point in his career. I dig it. Keep them coming, Snoop.
Remember when this leaked a while back. Glad to see it's been polished and will see an official release.
Song is so fresh, should get Willie Nelson on a remix.
the original was better
I'd rather hear cypress on the remix!
Who's the producer? You all don't know about Battle Cat? That's one of Snoop's most underrated producers.


text:
It's also an argument that says: Blackness and whiteness still matter. One of the most modern racial problems we suffer from can be boiled down to this: There is an actual debate going on about whether Barack Obama is the first postracial candidate, if we are living in a postracial world. If we were living in a postracial world, white Americans would not have been so perplexed and terrified by the videotape of the Reverend Jeremiah Wright, who while clearly an idiot in some ways, is certainly not an unfamiliar character in black churches. And his foolish theory that the American government invented AIDS and gave it to black people? That rumor's been spread through the black community for twenty years. Hardly defensible, but hardly surprising. He's no weirder a character than Rush Limbaugh; it's just that he doesn't normally get picked up on cable news. And the idea that a black man raised by an occasionally broke single white mother in America can be successfully defined as an elitist betrays a failure of our culture-recognition software and is only possible because white people look at black people with a pretty fundamental lack of perception.
But it's not like we need a 9/11 Commission to figure our way out of this. It turns out making black friends is easy. I put half a mind to it and found ten guys with whom I'd gladly eat dinner once a month and talk about their kids (which is what it means to be friends with someone at age 36). Baraka; Brett; Eddie, a half-Haitian dude who's in his last year of business school; Kenny, with whom, plus our wives, I'm about to enjoy a conversation and a meal of pasta à la whitey. Sure, it's scary at first. White people aren't used to being outnumbered, so if you're white that'll take some getting used to. White folks might wonder: Will they be angry at me? (No.) Is it okay if I ask to touch their hair. (No.) What should I do when it comes time to shake hands? (This is a serious fucking question and is harder than winning a game of rock-paper-scissors.) Will I always feel comfortable and able to say whatever comes to mind? (Nope.) But relax. One of the most hopeful results of this experiment: No one punched me in the face, whatever faux pas I committed. In fact, to the person, everyone I asked to participate in Operation Black Friend agreed. There is a tremendous amount of goodwill out there. All you need to do is turn off the Radiohead and walk out the door.
devin friedman is gq's senior correspondent.


text:
Council to use HRA funds to limit bedroom tax
A council has got permission from the housing minister to use money from rental income to set up a £420,000 fund to support tenants affected by welfare cuts.
Swindon is planning to use money from its housing revenue account to set up an 'emergency fund' for tenants hit by the 'bedroom tax' social housing under-occupation penalty.
Normally HRA funds can only be spent on housing, so the council has had to get housing minister Mark Prisk to approve the proposal.
Under the 'bedroom tax', which came into force on 1 April, social housing tenants of working age who are on housing benefit are having their payments cut if they have one or more spare bedrooms. Swindon estimates 1,100 of its tenants will be affected.
The council has not yet finalised how its emergency fund will be used, but expects to support families including someone with disabilities who cannot be expected to move, people living in rural areas who cannot downsize, and 'other people in exceptional circumstances'. Councils have also been allocated a share of £30 million of discretionary housing payments to help people hit by the penalty.
Russell Holland, Swindon Council's cabinet member for housing, has been working with the government since October to obtain a specific provision for the council's plan.
He said: 'As a Swindon councillor it is my priority to do my best for council tenants. I understand why benefits reform is necessary, but I believe it is important that the council has the ability to provide assistance for people in exceptional circumstances.
'A grant scheme funded by and for council tenants is fair and will help to avoid hardship. I'm really pleased that the government has been willing to support this proposal.'
Mr Prisk said: '[Mr] Holland made a compelling case to use a small percentage of HRA funds to create this local emergency fund. I am pleased we have given this special provision so that Swindon Council can help those tenants in greatest need.'
Readers' comments (7)
I suspect this will open up the floodgates for other councils to do the same. I'm assuming this additional financial assistance will only be available to Swindon Council tenants and not to other tenants that live in Swindon?
Surely this is an acknowledgment by the Housing Minister that the DHP pot in't big enough??!!CPB = The DHP budgets are set at 6% of the projected savings and are allocated to local councils who then can add 2.5 times the amount to them if they wish.
This example merely details how Swindon has done that.
Some other issues around the £150m 2013/2014 DHP budget:
1) £60m or 40% is for private tenants shortfall in Local Housing Allowance (LHA)
2) £65m or 43% is for private and social tenant shortfalls from the overall benefit cap (56% are private tenants and 44% social), leaving
3) £25m or 17% for social tenant shortfalls from the bedroom tax.
So we see in figures that £25m is the discretionary amount of funding available to make up the £475m bedroom tax reductions and means DHPs will on average be paid to just 5% of bedroom tax affected tenant households.
Each local council is allowed to add its own funding to this but limited to 2.5 times their allocation of the DHPs and there is a table in the S1 of 2013 which gives figures for each council. Yet this maximum DHP even if all spent on bedroom tax claimants still only means that 13% will get a discretionary payment and 87% will not.
In total almost 68% or £101.4m of the £150m DHP budget goes to private tenants who are not affected by the bedroom tax policy.
More detail here: -
Swindon receives £280,944 in DHP from central government so is allowed to add £720,360 of its own resources to this which is 2.5 times the amount central government put in. Here we see Swindon putting in £420k or 1.5 times the amount
A different and unglossed version of the reality hereThanks Joe this is very interesting. My council is exploring additional sources of funding to DHP in the short-term, and I suspect most others are doing so as well. We all know that the money will not start to cover the problem.
" only means that 13% will get a discretionary payment and 87% will not.""
My god Joe, i have go no chance of getting help from my council then, Govt are kidding the under occupiers that such a vast amount of money has been put in to the pot to help pay the bedroom tax when in reality its penny's.Foprgive my ignorance on were the HRA comes from but does this not mean that the money is being recycled form those without spare bedrooms to those with ?
The HRA comes from rents and service charges. In Swindon about 59% of tenants receive some form of housing benefit. The total income is about £46million. My approach to this is while I recognise benefits reform is necessary I was concerned about the impact of this given the limited housing stock for people to transfer to. If a tenant cannot pay then as a Council we can either start to look eviction or not collect the arrears. I don't want to do either of those things from either a social or business perspective. Having a HRA funded grant for Council tenants I think is a good compromise because it is a back up to the existing DHP. It represents less than 1% of total income and will have a minimal impact on our capital programme. I think this proposal gives local Councils some flexibility. Tenants who are not on benefits have the benefit of rent that is significantly cheaper than market rent.
This is a dangerous precedent. It's making tenants pay for an HB cut. Although a small sum, what's to stop the Council adding to this amount later? It's a breech of the 'ringfence' and is wrong in principle. See below for the response of Swindon Tenants Campaign Group.
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Biglari Holdings Responds To Cracker Barrel's Assertion That Misreports About Incoming Chairman James Bradford Were A "Misunderstanding"
1. Wells Fargo Investor Conference ( http://investor.crackerbarrel.com/events.cfm)
2. Letter to shareholders ( http://investor.crackerbarrel.com/proxy_contest.cfm)
The puzzling question for shareholders is why the Board and Ms. Cochran believed it was important to emphasize repeatedly Mr. Bradford's purported experience as "a former NYSE company CEO." In our mind the answer is because Mr. Bradford's record is being measured against a current CEO of a NYSE-listed company, Mr. Biglari. Unfortunately, Mr. Bradford was never a CEO of a NYSE company. We outside shareholders should not be forced to identify errors when there is a Board with 14 directors reviewing the documents from the inside.
How could shareholders not blame Mr. Bradford for failing to ensure the accuracy of his own credentials? Because Mr. Bradford is the Dean at Vanderbilt University's Owen Graduate School of Management and holds a law degree, there is absolutely no excuse for his oversight in his own biography within the Company's proxy statement.
Mr. Bradford has an obligation to read the Company's proxy statement in its entirety, and if there is anything within it that he should have paid particular attention to, it would be his own biography. If Mr. Bradford were not aware of his biography in SEC filings, and Ms. Cochran's presentation to investors, and the Company's letters to shareholders, then these mistakes raise the question of how sound his commitment is to the Company. A chairman-designee should closely review major public statements about him. We find the Company's following statement downright insulting: "Mr. Bradford's extensive business and academic experience is beyond reproach." We ask how Mr. Bradford could be beyond blame when he was compensated $186,757 last year for his services as a director of the Company, yet failed to identify or correct a material error in Ms. Cochran's letter to shareholders, as well as six versions of the Company's proxy statement filed with the SEC over the last two years that contained the error. Does Mr. Bradford not think that he has a duty to read carefully the Company's proxy statements and letters to shareholders? What else is Mr. Bradford not reading that is imperative to fulfilling his job? Mr. Bradford also holds board seats at three other companies that actually are traded on the NYSE: CLARCOR Inc., Genesco Inc., and Granite Construction Inc. Only in rare exceptions do we think a full-time employed person can be on four outside boards. If Mr. Bradford is too busy to read proxy statements, then he is too busy to be on the Board of Cracker Barrel. We urge the Board to stop wasting valuable time along with Company resources and drop its resistance to placing our two nominees on the Board. We are Cracker Barrel's largest shareholder with an approximately $270 million investment value in the Company's stock. One reason we are so engaged and well-informed of such matters is that a substantial portion of our net worth is tied to the future of Cracker Barrel. SOURCE Biglari Holdings Inc.Check Out Our Best Services for Investors
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FREEEEEEEE Drawing for YOU!!! Raffle Contest3 WILL WIN!!!Winner gets a drawing of themselves as any character they want (terms and conditions applied and subjected to change)Very easy to join contest! All you have to do is:Favorite this journal and comment bellow after doing so to be entered. Link this (post this page) on your own Journal, and the winner will be selected (randomly using a random generator).I will screen cap and post the winning number from the page as proof: http://www.random.org/ANYBODY CAN ENTER, You do not have to be a watcher!Deadline is Feb 20 (minimum number of contestants must be 30 for the contest to go on)Winners will be announced by end of February (earliest).No cap limit for now. I will notify you (reply to your comment) once you are in.Contestants will be listed in this post.Feel free to ask if you have any questions.*Read this: Terms and Conditions.It will take me some time to do the drawing as I want to present to you my best work. What's the point of rushing it and not give you my best
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How To Halloween: Projects from Bloggers
Bonus: Get our newsletter & special offers for free. We will not share or sell your email address. View our Privacy Policy
Spider Web Window Charm
By: Dina Fernandez for Rings & Things
Decorate a window for Halloween with this beaded spider web window charm from Rings & Things. Hang from a bit of clear fishing line in front of a window this Halloween.
- 1 #55-910 3.75" snowflake wire form
- 100 to 120 #20-222-242 Size 8 Czech glass seed beads, garnet
- 7 #49-570 3-D spider charms, sterling silver
- 50" #46-702-12 22-gauge ColourCraft® wire, black
- 6 #37-136-3 5mm ound jump rings, silver plated
- 1 #60-280 The Ultimate! adhesive
- Round-nose pliers
- side cutters
- Take snowflake form and start wrapping the black wire at the center of form. Wrap wire counter clockwise around the spokes of the form. After you go around once with wire you can start adding beads.
- Start adding beads to one spoke, two beads at a time. Then wrap wire once around spoke, above the bead, and continue on to the next spoke, until you have around all six spokes of the form.
- Increase the amount of beads by one, each time you go around. Leave about a ¼" of wire exposed at the tip of each spoke.
- Using the round-nose pliers, make a loop at the end of each spoke.
- Put a 5mm jump ring on each spider charm and secure them to the end loops on spider web.
- Snip off loop on the remaining spider charm with side cutters.
- Glue the spider to the center of the spider web using the Ultimate! Adhesive.
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2012 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 000-53869 FIRST NATIONAL COMMUNITY BANCORP, INC. (Exact Name of Registrant as Specified in Its Charter)
Registrants telephone number, including area code (570) 346-7667 (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 o NO x Indicate by check mark whether the registrant has submitted electronically and posted on its corporate 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 o NO x 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 the definitions of large accelerated filer, accelerated filer and smaller reporting company in Rule 12b-2 of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No x Indicate the number of shares outstanding of each of the issuers classes of common stock as of the latest practicable date:
FIRST NATIONAL COMMUNITY BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited)
The accompanying notes to consolidated financial statements are an integral part of these statements. FIRST NATIONAL COMMUNITY BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)
The accompanying notes to consolidated financial statements are an integral part of these statements. FIRST NATIONAL COMMUNITY BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited)
The accompanying notes to consolidated financial statements are an integral part of these statements. FIRST NATIONAL COMMUNITY BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS EQUITY For the Three Months Ended March 31, 2012 and 2011 (unaudited)
The accompanying notes to consolidated financial statements are an integral part of these statements. FIRST NATIONAL COMMUNITY BANCORP, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)
The accompanying notes to consolidated financial statements are an integral part of these statements. FIRST NATIONAL COMMUNITY BANCORP, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) Notes to Consolidated Financial Statements Note 1. Basis of Presentation The consolidated financial statements are comprised of the accounts of First National Community Bancorp, Inc., and its wholly owned subsidiary, First National Community Bank (the Bank), as well as the Banks wholly owned subsidiaries (collectively, the Company). All inter-company transactions and balances have been eliminated. The accounting and reporting policies of the Company conform to U.S. Generally Accepted Accounting Principles (GAAP) and general practices within the financial services industry. In the opinion of management, all adjustments necessary to a fair presentation of the results for the quarterly period ended March 31, 2012 have been included. In preparing these consolidated financial statements, management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated statements of financial condition and results of operations for the periods indicated. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to change are the allowance for loan and lease losses (ALLL), security valuations, the evaluation of deferred income taxes and the impairment of securities and other real estate owned (OREO). The current economic environment has increased the degree of uncertainty inherent in these material estimates. These financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Companys December 31, 2011 audited financial statements filed on Form 10-K. Note 2. New Authoritative Accounting Guidance Accounting Standards Update (ASU) No. 2011-04, Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRS, an update to ASC Topic 820 - Fair Value Measurement, results in common fair value measurement and disclosure requirements in U.S. GAAP and IFRS. The amendments in ASU No. 2011-04 include clarifications about the application of existing fair value measurement requirements and changes to principles for measuring fair value. ASU No. 2011-04 also requires additional disclosures about fair value measurements. ASU No. 2011-04 is required to be applied prospectively and is effective for interim and annual periods beginning after December 15, 2011. The Company adopted this new guidance for the quarter ended March 31, 2012. The adoption of this guidance did not have a material impact on the Companys consolidated financial statements; however, the adoption did have an impact on the Companys fair value disclosures. See Note 7 for the disclosures required by the adoption of this new guidance. ASU No. 2011-05, Presentation of Comprehensive Income, an update to ASC Topic 220 - Comprehensive Income, was issued to improve the comparability, consistency and transparency of financial reporting. The amendment provides the entity an option to present the total of comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. The amendments do not change the items that must be reported in other comprehensive income. ASU No. 2011-05 is required to be applied retrospectively and is effective for interim and annual periods beginning after December 15, 2011. The Company adopted this new guidance for the quarter ended March 31, 2012. Upon adoption of this new guidance the Company presents comprehensive income in a separate Statement of Comprehensive Income. ASU No. 2011-12 Comprehensive Income (Topic 220) - Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update 2011-05 was issued in December 2011. This update defers only those changes in ASU No. 2011-05 that relate to the presentation of reclassification adjustments, the paragraphs in this update supersede certain pending paragraphs in ASU No. 2011-05. All other requirements in ASU No. 2011-05 are not affected by this update, including the requirement to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011 and were adopted for the quarter ended March 31, 2012. Standards to be Adopted In Future Periods ASU No. 2011-11, Balance Sheet (Topic 210) - Disclosures about Offsetting Assets and Liabilities was issued in December 2011. The objective of this update is to provide enhanced disclosures that will enable users of its financial statements to evaluate the effect or potential effect of netting arrangements on an entitys financial position. This includes the effect or potential effect of rights of setoff associated with an entitys recognized assets and recognized liabilities within the scope of this update. The amendments require enhanced disclosures by requiring improved information about financial instruments and derivative instruments that are either (1) offset in accordance with either ASC 210-20-45 or ASC 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement, irrespective of whether they are offset in accordance with either ASC 210-20-45 or ASC 815-10-45. An entity is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented. The adoption of ASU 2011-11 is not expected to have a material impact on the Companys consolidated financial statements. Reclassification of Prior Year Financial Statements Certain reclassifications have been made to the prior years consolidated financial statements to conform to the current years presentation. Such reclassifications had no impact on results of operations. Note 3. Regulatory Matters The Bank is under a Consent Order (the Order) from the Office of the Comptroller of the Currency (OCC) dated September 1, 2010. The Company is also subject to a written Agreement (the Agreement) with the Federal Reserve Bank of Philadelphia (the Reserve Bank) dated November 24, 2010. OCC Consent Order. The Bank, pursuant to a Stipulation and Consent to the Issuance of a Consent Order dated September 1, 2010 without admitting or denying any wrongdoing, consented and agreed to the issuance of the Order by the OCC, the Banks primary regulator. The Order requires the Bank to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The Order is based on the results of an examination of the Bank as of March 31, 2009. Since the examination, management has engaged in discussions with the OCC and has taken steps to improve the condition, policies and procedures of the Bank. Compliance with the Order is to be monitored by a committee (the Committee) of at least three directors, none of whom is an employee or controlling shareholder of the Bank or its affiliates or a family member of any such person. The Committee is required to submit written progress reports on a monthly basis and the Agreement requires the Bank to make periodic reports and filings with the OCC. The members of the Committee are John P. Moses, Joseph Coccia, Joseph J. Gentile and Thomas J. Melone. The material provisions of the Order are as follows: (i) By October 31, 2010, the Board of Directors of the Bank (the Board) is required to adopt and implement a three-year strategic plan which must be submitted to the OCC for review and prior determination of no supervisory objection; the strategic plan must establish objectives for the Banks overall risk profile, earnings performance, growth, balance sheet mix, off-balance sheet activities, liability structure, capital adequacy, reduction in the volume of nonperforming assets, product line development, and market segments that the Bank intends to promote or develop, and is to include strategies to achieve those objectives; if the strategic plan involves the sale or merger of the Bank, it must address the timeline and steps to be followed to provide for a definitive agreement within 90 days after the receipt of a determination of no supervisory objection; (ii) by October 31, 2010, the Board is required to adopt and implement a three year capital plan, which must be submitted to the OCC for review and prior determination of no supervisory objection; (iii) by November 30, 2010, the Bank is required to achieve and thereafter maintain a total risk-based capital equal to at least 13% of risk-weighted assets and a Tier 1 capital equal to at least 9% of adjusted total assets; (iv) the Bank may not pay any dividend or capital distribution unless it is in compliance with the higher capital requirements required by the Order, the Capital Plan, applicable legal requirements and, then only after receiving a determination of no supervisory objection from the OCC; (v) by November 15, 2010, the Committee must review the Board and the Boards committee structure; by November 30, 2010, the Board must prepare or cause to be prepared an assessment of the capabilities of the Banks executive officers to perform their past and current duties, including those required to respond to the most recent examination report, and to perform annual performance appraisals of each officer; (vi) by October 31, 2010, the Board must adopt, implement and thereafter ensure compliance with a comprehensive conflict of interest policy applicable to the Banks and the Companys directors, executive officers, principal shareholders and their affiliates and such persons immediate family members and their related interests, employees, and by November 30, 2010, conduct a review of existing relationships with such persons to identify those, if any, not in compliance with the policy; and review all subsequent proposed transactions with such persons or modifications of transactions; (vii) by October 31, 2010, the Board must develop, implement and ensure adherence to policies and procedures for Bank Secrecy Act (BSA) compliance; and account opening and monitoring procedures compliance; (viii) by October 31, 2010, the Board must ensure the BSA audit function is supported by an adequately staffed department or third party firm; adopt, implement and ensure compliance with an independent BSA audit; and assess the capabilities of the BSA officer and supporting staff to perform present and anticipated duties; (ix) by October 31, 2010, the Board is required to adopt, implement and ensure adherence to a written credit policy, including specified features, to improve the Banks loan portfolio management; (x) the Board is required to take certain actions to resolve certain credit and collateral exceptions; (xi) by October 31, 2010, the Board is required to establish an effective, independent and ongoing loan review system to review, at least quarterly, the Banks loan and lease portfolios to assure the timely identification and categorization of problem credits; by October 31, 2010, to adopt and adhere to a program for the maintenance of an adequate ALLL, and to review the adequacy of the Banks ALLL at least quarterly; (xii) by October 31, 2010, the Board must adopt and the Bank implement and adhere to a program to protect the Banks interest in criticized assets; and the Bank may only extend additional credit (including renewals) to a borrower whose loans are criticized under specified circumstances; (xiii) by October 31, 2010, the Board must adopt and ensure adherence to action plans for each piece of other real estate owned; (xiv) by November 30, 2010, the Board is required to develop, implement and ensure adherence to a policy for effective monitoring and management of concentrations of credit; (xv) by October 31, 2010, the Board must revise and implement the Banks other than temporary impairment policy; (xvi) by October 31, 2010, the Board must take action to maintain adequate sources of stable funding and liquidity and a contingency funding plan; by October 31, 2010, the Board is required to adopt, implement and ensure compliance with an independent, internal audit program; and (xvii) take actions to correct cited violations of law; and adopt procedures to prevent future violations and address compliance management. Federal Reserve Agreement. On November 24, 2010, the Company entered into the Agreement with the Reserve Bank. The Agreement requires the Company to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The material provisions of the Agreement include the following: (i) the Companys Board must take appropriate steps to fully utilize the Companys financial and managerial resources to serve as a source of strength to the Bank, including taking steps to ensure that the Bank complies with its Consent Order entered into with the OCC; (ii) the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation (the Director) of the Federal Reserve Board; (iii) the Company may not take dividends or other payments representing a reduction of the Banks capital without the prior written approval of the Reserve Bank; (iv) the Company and its nonbank subsidiary may not make any payment of interest, principal or other amounts on the Companys subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director; (v) the Company may not make any payment of interest, principal or other amounts on debt owed to insiders of the Company without the prior written approval of the Reserve Bank and Director; (vi) the Company and its nonbank subsidiary may not incur, increase or guarantee any debt without the prior written approval of the Reserve Bank; (vii) the Company may not purchase or redeem any shares of its stock without the prior written approval of the Reserve Bank; (viii) the Company must submit to the Reserve Bank, by January 23, 2011, an acceptable written plan to maintain sufficient capital at the Company on a consolidated basis. Thereafter, the Company must notify the Reserve Bank within 45 days of the end of any quarter in which the Companys capital ratios fall below the approved capital plans minimum ratios, and submit an acceptable written plan to increase the Companys capital ratios above the capital plans minimums; (ix) the Company must immediately take all actions necessary to ensure that: (1) each regulatory report accurately reflects the Companys condition on the date for which it is filed and all material transactions between the Company and its subsidiaries; (2) each such report is prepared in accordance with its instructions; and (3) all records indicating how the report was prepared are maintained for supervisory review; (x) the Company must submit to the Reserve Bank, by January 23, 2011, acceptable written procedures to strengthen and maintain internal controls to ensure all required regulatory reports and notices filed with the Board of Governors are accurate and filed in accordance with the instructions for preparation; (xi) the Company must submit to the Reserve Bank, by January 8, 2011, a cash flow projection for 2011, reflecting the Companys planned sources and uses of cash, and submit a cash flow projection for each subsequent calendar year at least one month prior to the beginning of such year; (xii) the Company must comply with: (1) the notice provisions of Section 32 of the FDI Act and Subpart H of Regulation Y in appointing any new director or senior executive officer or changing the duties of any senior executive officer; and (2) the restrictions on indemnification and severance payments of Section 18(k) of the FDI Act and Part 359 of the FDICs regulations; and (xiii) the Board must submit written progress reports within 30 days of the end of each calendar quarter. During the three months ended March 31, 2012, and the year ended December 31, 2011, the Company incurred approximately $131 thousand and $1.0 million, respectively, of expenses related to entering into and complying with these regulatory agreements, consisting primarily of professional and consulting fees. In addition, the Order and the Agreement place restrictions on the Companys ability to borrow funds and to pay interest and dividends to its security holders. In the future, the Company expects to continue to experience increased costs related to compliance with these regulatory agreements, primarily as a result of increased head count and also expects to face certain restrictions on its operations for as long as it continues to operate under the Order and the Agreement. The Company expects, however, that future compliance expenses will decrease from the 2011 level, because the majority of the expenses incurred to date are related to development and implementation of processes and policies that, once those policies and processes are finalized and implemented, are not expected to recur. The Order and Agreement have not and are not expected to have an impact on the Companys ability to attract and maintain deposits or the Companys cost of funds. In order to meet the increased capital requirements imposed under the Order and the Agreement, however, unless the Company is able to raise additional capital, the Company could be limited in the aggregate amount of loans it can have outstanding, which may constrain loan growth. While it is not anticipated that the Order and the Agreement will have an immediate impact on the Companys net interest margin, the overall cost of compliance with the Order and the Agreement will continue to impact profitability at least through the end of 2012. Banking regulations also limit the amount of dividends that may be paid without prior approval of the Banks regulatory agency. As of August 24, 2012, the Company and the Bank are restricted from paying any dividends without regulatory approval. The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on the Companys financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices must be met. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). In accordance with the Order, the Bank is required to achieve and thereafter maintain a total risk-based capital equal to at least 13% of risk-weighted assets and a Tier 1 capital equal to at least 9% of adjusted total assets. At March 31, 2012 and December 31, 2011, the Bank was not in compliance with these requirements. The minimum capital requirements under the Order take precedence over the standard regulatory capital adequacy definitions described in the tables below. The Companys and the Banks actual capital positions and ratios at March 31, 2012 and December 31, 2011 are presented in the following table: CAPITAL ANALYSIS
Note 4. LOANS Loans receivable, net, consists of the following at March 31, 2012 and December 31, 2011:
The Company has granted loans, letters of credit and lines of credit to certain executive officers and directors of the Company as well as to certain related parties of executive officers and directors. See Note 9 to these consolidated financial statements for more information about related party transactions. The Company originates one-to-four family mortgage loans primarily for sale in the secondary market. During the quarter ended March 31, 2012, the Company sold $8.5 million of one-to-four family mortgages. The Company retains servicing rights on these mortgages. The Company had $1.7 million and $94 thousand in loans held-for-sale at March 31, 2012 and December 31, 2011, respectively. All loans held for sale are one-to-four family residential mortgage loans. The Company does not have any lending programs commonly referred to as subprime lending. Subprime lending generally targets borrowers with weakened credit histories typically characterized by payment delinquencies, previous charge-offs, judgments, bankruptcies, or borrowers with questionable repayment capacity as evidenced by low credit scores or high debt-burden ratios. See Note 2 to the Companys consolidated financial statements included in the 2011 Form 10-K for the risk characteristics related to the Companys loan segments. The Company provides for loan losses based on the consistent application of its documented ALLL methodology. Loan losses are charged to the ALLL and recoveries are credited to it. Additions to the ALLL are provided by charges against income based on various factors which, in managements judgment, deserve current recognition of estimated probable losses. Loan losses are charged-off in the period the loans, or portions thereof, are deemed uncollectible. Generally, the Company will record a loan charge-off (including a partial charge-off) to reduce a loan to the estimated recoverable amount based on its methodology detailed below. The Company regularly reviews the loan portfolio and makes adjustments for loan losses in order to maintain the ALLL in accordance with U.S. GAAP. The ALLL consists primarily of the following two components: (1) Specific allowances are established for impaired loans (defined by the Company as all loans with an outstanding balance greater than $100,000 rated doubtful or substandard and on non-accrual status and all TDRs). The amount of impairment provided for as an allowance is represented by the deficiency, if any, between the carrying value of the loan and either (a) the present value of expected future cash flows discounted at the loans effective interest rate, (b) the loans observable market price, or (c) the fair value of the underlying collateral, less estimated costs to sell, for collateral dependent loans. Impaired loans that have no impairment losses are not considered for general valuation allowances described below. If the Company determines that collection of the impairment amount is remote, the Company will record a charge-off. (2) General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The Company divides its portfolio into loan segments, with loans exhibiting similar characteristics. These segments are further disaggregated into classes. Loans rated special mention or substandard and accruing which are embedded in these loan segments are then separated from them. These separated loans are then subject to an analysis placing increased emphasis on the credit risk associated with these specific loans. The Company applies an estimated loss rate to each loan group. The loss rates applied are primarily based on the Companys own historical loss experience based on the loss rate for each group of loans with similar risk characteristics in its portfolio. In addition management evaluates and applies certain qualitative or environmental factors that are likely to cause estimated credit losses associated with the Companys existing portfolio that may differ from historical experience, which are discussed below. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant revisions based upon changes in economic and real estate market conditions. Actual loan losses may be significantly more than the ALLL that is established, which could have a material negative effect on the Companys financial results. In underwriting a loan secured by real property (unless exempt based on legal requirements), the Company requires an appraisal of the property by an independent licensed appraiser approved by the Companys board of directors. The appraisal is either reviewed internally or by an independent third party hired by the Company. Generally, management obtains updated appraisals when a loan is deemed impaired. These appraisals may be more limited than those prepared for the underwriting of a new loan. In addition, when the Company acquires other real estate owned, it generally obtains a current appraisal to substantiate the net carrying value of the asset. Management makes adjustments for loan losses based on its evaluation of several qualitative and environmental factors, including but not limited to: · Changes in national, local, and business economic conditions and developments, including the condition of various market segments; · Changes in the nature and volume of the Companys loan portfolio; · Changes in the Companys lending policies and procedures, including underwriting standards, collection, charge-off and recovery practices and results; · Changes in the experience, ability and depth of the Companys lending management and staff; · Changes in the quality of the Companys loan review system and the degree of oversight by the Companys Board of Directors; · Changes in the trend of the volume and severity of past due and classified loans, including trends in the volume of non-accrual loans, troubled debt restructurings and other loan modifications; · The existence and effect of any concentrations of credit and changes in the level of such concentrations; · The effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the Companys current loan portfolio; and · Analysis of its customers credit quality. Management evaluates the ALLL based on the combined total of the impaired and general components. Generally, when the loan portfolio increases, absent other factors, the Companys ALLL methodology results in a higher dollar amount of estimated probable losses. Conversely, when the loan portfolio decreases, absent other factors, the Companys ALLL methodology results in a lower dollar amount of estimated probable losses. Each quarter, management evaluates the ALLL and adjusts the ALLL as appropriate through a provision for loan losses. While the Company uses the best information available to make evaluations, future adjustments to the ALLL may be necessary if conditions differ substantially from the information used in making the evaluations. In addition, as an integral part of its examination process, the Office of the Comptroller of the Currency periodically reviews the Companys ALLL. The OCC may require the Company to adjust the ALLL based on its analysis of information available to it at the time of its examination. The following tables set forth activity in the ALLL, by loan type, for the three months ended March 31, 2012 and 2011.
The following tables represent the allocation of the allowance for loan losses and the related loan by loan portfolio segment disaggregated based on the impairment methodology at March 31, 2012 and December 31, 2011:
Credit Quality Indicators Commercial Loans The Company continuously monitors the credit quality of its commercial loan receivables. Credit quality is monitored by reviewing certain credit quality indicators. Management has determined that internally assigned credit risk ratings by loan type are the key credit quality indicators that best help management monitor the credit quality of the Companys loan receivables. The Banks commercial loan classification and credit grading processes are part of the lending, underwriting, and credit administration functions to ensure an ongoing assessment of credit quality. Accurate and timely loan classification or credit grading is a critical component of loan portfolio management. Loan officers are required to review their loan portfolio risk ratings regularly for accuracy. The loan review function uses the same risk rating system in the loan review process. This allows an independent third party to assess the quality of the portfolio and compare the accuracy of ratings with the loan officers and managements assessment. A formal loan classification and credit grading system reflects the risk of default and credit losses. The Company maintains a written description of the risk ratings that includes a discussion of the factors used to assign appropriate classifications of credit grades to loans. The process identifies groups of loans that warrant the special attention of management. The risk grade groupings provide a mechanism to identify risk within the loan portfolio and provide management and the Board with periodic reports by risk category. The credit risk ratings play an important role in the establishment and evaluation of ALLL. After determining the historical loss factor which is adjusted for qualitative and environmental factors for each portfolio segment, segment balances collectively evaluated for impairment are multiplied by the general reserve loss factor for the respective portfolio segments in order to determine the general reserve. Loans that have an internal credit rating of special mention or substandard follow the same process however the qualitative and environmental factors are further adjusted for the increased risk. The Company utilizes a loan rating system that assigns a degree of risk to commercial loans based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes these non-homogeneous loans individually based on credit risk and probability of collection for each type of class. Commercial loans include commercial indirect auto loans which are not individually risk rated. These loans are monitored on a pool basis due to their homogeneous nature as described in Credit Quality Indicators Other Loans below. The grading system contains the following basic risk categories: 1. Minimal Risk 2. Above Average Credit Quality 3. Average Risk 4. Acceptable Risk 5. Pass - Watch 6. Special Mention 7. Substandard - Accruing 8. Substandard - Non-Accrual 9. Doubtful 10. Loss This analysis is performed on a quarterly basis using the following definitions for risk ratings: Pass Loans rated 1 through 5 are considered pass ratings. These loans show no current or potential problems and are considered fully collectible. All such loans are considered collectively for ALLL calculation purposes. Special Mention Loans classified as special mention loans do not currently expose the Company to a sufficient degree of risk to warrant an adverse classification but do possess credit deficiencies or potential weaknesses deserving close attention. Special Mention loans have a potential weakness or pose an unwarranted financial risk which, if not corrected, could weaken the loan and increase risk in the future. Substandard - Loans classified as substandard have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful - Loans classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable based on current circumstances. Loss - Loans classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted. The following tables detail the recorded investment in loans receivable by the aforementioned class of loan and credit quality indicator at March 31, 2012 and December 31, 2011. Commercial Credit Quality Indicators March 31, 2012
Commercial Credit Quality Indicators December 31, 2011
Credit Quality Indicators Other Loans Residential, consumer and consumer and commercial indirect auto loans are monitored on a pool basis due to their homogeneous nature. Loans that are delinquent 90 days or more are considered non-accrual. The Company utilizes accruing versus non-accruing status as the credit quality indicator for these loan pools. The following table presents the recorded investment in residential, consumer and indirect auto loans based on payment activity as of March 31, 2012 and December 31, 2011.


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bed tie downs
Has anyone added additional bed tie downs in the bed of the truck up next to cab or even on the sides of the bed? How did you mount them?
How strong are the tie down cleats in the bed rails? Anyone securing a motorcycle down to them? |
Several have added them at the drain holes, I put a set at the Toyota preferred location. I don't know if I would trust a m/cycle or not. DO NOT buy the parts as replacement partsas they are expensive, buy the kit which contains 2 hooks, 2 nutted lock plates, instructions, tools required list, and template. Less than $20.00. Will post part number this evening, got an apointment to get to now.
Southeast Michigan, eh? Where at? I live in Jackson, and work in Ann Arbor...
I did install the extra D-rings in the bed. If you put them in the toyota specified location on the side of the bed it is a pain in the ass as it requires pulling the inner fender well according to their instructions (so you can reach the backing plate to hold it square while you are in the bed). If you put them in the drain holes as some people have done, you will run into a strengthening spine on the under side of the bed. Some people have advocated just cutting away the spine to use the factory backing plate, others said just use a medium size fender washer and forget the factory backing plate. Either of those solutions is half-assing it, IMHO, and removing or bypassing something that was put there for a reason, and there-by weakening the whole assembly. However, if you drill between the outermost drain holes and the side of the bed on each side there is enough space to mount the D-rings without cutting any parts of the bed reinforcment away, and still have enough room to use the backing plate that Toyota supplies with the D-rings. I'll take measurements and pictures of my install tomorrow if you'd like. As far as supporting a motorcycle... I would say that it depends on the motorcycle. A 900 pound Harley Ultra Classic, I would definately say no. A 200-300 pound dirt bike or light sport bike should be fine I would think (though I accept no responsibility for the safety of your motorcycle should you follow my install and it doesn't hold) A typical 500-600 pound motorcycle, I should think that if you go with my install on the D-rings, use them in conjunction with the bed rail cleats, and secure it to the D-rings by the tail gate as well, then you should be fine, provided that you strap the bike correctly. I'll get the pictures up of the D-rings tomorrow, |
Extra D-ring install
OK, I had meant to get this up earlier today, but it was raining this morning, and I chose to not go and crawl under my truck in the rain to take pictures. :)
OK I purchased the extra set of D-rings from toyotapartspeople.com, they had the best price I found @ $18.40 http://toyotapartspeople.com/SearchProduct.asp?Model=Tacoma&catid=3374291816783 093&year=07&productdesc=D%2DRings+%2D+Tie+Downs I then crawled under the truck with the backing plate that comes with the kit. After looking at my options, and realizing that the Toyota recomended "in the sidewall" install was not suited to my purpose, and that the "use the drain hole" method that I read about in a thread a while back would require cutting a piece of the bed structure away, I opted for my own option. If you hold the backing plate up so that the center of the bolt is an inch and a quarter (1.25") to the outside of your drain hole and a quarter of an inch (.25") to the rear (toward the tailgate) it will fit perfectly flat on the underside of the bed, be in contact with the bed and provide the maximum strength possible from this kit and you'll still have your drain holes for when it rains. See photo. http://www.tacomaworld.com/gallery/s...to=757&cat=500 (Note regarding the photo, the front of the bed and drain hole have been marked, also note that my backing plate is not square as I have described above. That is because I did the install alone, and used a screwdriver through the drain hole to keep the backing plate from spinning as I tightened it from above. You will need someone under the truck to hold the plate square while you tighten it down. I will fix that at some point when I have a set of helping hands, but right now all they do in my truck is keep my toolbox from sliding around so there is no load on mine to speak of.) I then marked the hole with a pencil, struck the center of the mark with a cerntering punch, and then drilledthrough from the bottom up. (wear safety goggles.) Go back up top insert the D-ring and bolt assembly through the hole you just drilled, and then go back under and spin on the backing plate/nut untill it is lined up and hand tight. Repeat this procedure for the other side. Then go into the house find your wife/girlfriend/kid to come out and hold the wrench on the backing plate while you tighten the bolt from above so that it remains square. Finished install picture. Again note the arrow showing the location of the factory drain hole in relation to the D-ring. http://www.tacomaworld.com/gallery/s...to=758&cat=500 Hope this helps. |
I put mine in the specified location, and I wondered why the instructions state to femove inner fender, as there is nothing in the way. Mark and drill holes, put hook with captured bolt/washer through hole, lay on back and spin plate a few times to get started on bolt threads. If you do it alone like I did you will need to hold plate somehow; I used a ratchet under bed side to hold plate while I was in bed turning the torx bit, once plate makes contact with bed it will no longer try to spin. By myself it took 45 min due to repeated climbing in and out of bed & under truck, with 2 people it can be done in 15-20 min with half the time alloted to double and tripple checking drilling location.
The kit contains 2 nutted backing plates, 2 hook assys with captured bolt w/shoulder, and steel and nylon washers to pre-load hook so it swivels but does not rattle. Also contains tool required list, template and instructions. Part number PT785-35054, List price $25.00, resale $18.75 +/- per discount given if any. |
maverick491, That is a good location as it keeps the drain hole clear, I thought of mounting mine in that general area, but did not want to cut the corners off the bed mat. Another thing I forgot to mention was that I put a very thin mist of 3M spray adhesive to create enough friction to keep plate from spinning as I was alone that day. Everyone else in the household was already up in the mountains at the lake,:( skiing, sleeping, eating steaks off the grill, and making other similar difficult decisions. I used the hooks for the first time on my trip up and I have wondered why Toyota did not have some kind of hooks at a low position in the front of the bed as no matter how many high mounted hooks there are, there are just some things that need a lower mounted hook.
Thanks for the insight and pictures. They helped a ton. I will order mine and get them in the truck. BTW.. A2Mich...I am in South Lyon, MI, just outside of Brighton. |
cant you just remove the star bolt and washer holding the bed down. and add a d ring under that. atleast that is attached to the frame.
i installed the toyota d-rings in the same place you did, maverick, and i've had no troubles hauling my bikes to and fro. nice pics! those are bound to help someone else down the road
Those tie downs look great. I think that mounting is perfect for what I need (something lower than the track tie-downs). I think that I will be doing this next pay check. It seems easy enough to do. Thanks for sharing! |
I took a different approach because I used to haul around $5000 dirt bike and didn't what to have it fall off the back. I took the two back D-Rings and moved them to the front bed bolts. Below is a picture of my setup however its not my truck. :D
http://img.photobucket.com/albums/v2...04/TIEDOWN.jpg |
...I'm still not sure that I'm not crazy. :p |
All times are GMT -7. The time now is 12:18 AM. |


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Randy Moss Retires and the Impact on His Cards
Unique and never dull, Randy Moss has decided to call an end to his career that was often overshadowed by his antics. Moss holds many NFL records, including most touchdowns in a season for a wide receiver and most seasons with 17 or more touchdowns. He was named to the Pro Bowl seven times and ends his career with 153 touchdowns. Moss was also just shy of 15,000 yards and 1,000 receptions.
Moss was always popular with collectors and his off-field persona only fueled his notoriety. From his free fall on draft day to accusations throughout his career that he lost focus, Moss was normally a good source for drama. I will always remember a bit of dialogue from his Minnesota days. A reporter asked Moss if he would be paying an NFL fine with a check. Moss' now infamous response was, "Straight cash, homey."
There is a slim chance that injuries in the preseason might pull him back into the game, but it's unlikely. Moss spent a rocky 2010 season with three different teams, including an eight-game stint with the Titans where he was nonexistent. At the age of 34, his best days are behind him.
In spite of ending on a low note, Moss brought great excitement to the game and was one of the better athletes to grace the field. His retirement will likely lead to a bump in interest for Moss rookie cards and memorabilia, at least in the short-term.
Randy Moss Rookie Cards:


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Sorry this item is currently sold out. Please use this discount coupon for an additional 5% off during checkout:
Experience the enchanting aura of the new Salomon Spell bindings. Consisting of a solid balance between energy and elegance, these bindings are powerful. A super smooth ride provided by the EVA footbed pads will keep you comfy as you cast your Spells off of something gnarly. And an easy-going flex rating of three combined with the Freeframe highback make these bindings forgiving and fun. Salomon has brewed up this potent pair of bindings for the wicked women of winter. Cast your Spell this season.


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Five Princes Hotel
- Suites
- Suites
- Restaurant
- Swimming pool
- Restaurant
- Room service
TripAdvisor Reviews Five Princes Hotel Suva
Travel Blogs from Suva
Fiji !
Suva was my first stop in Fiji. it had great reviews and i wanted to go see it for myself. i left from Houston hobby and went straight there.i stayed at the five prince hotel which was great and had very comfortable rooms. once i arrived i got settled in and the day still had plenty hours in it so i went to Colo-i-Suva forest park. it was amazing …
... lunch with our EU colleagues. In Fiji. Here's the menu:
Palusami: taro (manioc) leaves with coconut milk, served with kassava chips or boiled taro root (I think we're gonna try making spanakoryzo with coconut milk).
Kokoda: lemon marinated fish in coconut milk, think ceviche without the coriander and with coconut milk (Michali you might ...
The Fijian Experience
... To accompany this, a women appeared. To start with she was a Fijian beauty. A body sculpted through hard work and dark skin that glowed as she moved around, she reminded a little bit of Zoe Salanda, the actress in Columbiana and Avatar. She came over and said how much she loved my accent and how I had beautiful eyes and her name was Caroline...I wasn't sure quite where this was going but I chatted away regardless. Asking her age and where she was from, she was a local who ...
The day in Suva
... to get some more money out of the bank and paid FD$250. We were then taken to a clothing shop, and bought a range of shirts and skirts costing FD$341, which we paid on eftpos. These goods included a sarong which neither of us selected, and in a design which Ali detests, but we had paid for it! During the time at the clothing shop, other tourists were brought in by escorts as well. We were then escorted to the ATM machine so that we had enough money to go to ...
Sentimental Suva
... although a few unfortunates could not save their own lives. During the mid 1800's, while the sea cucumber trade with China was at its peak, a powerful Fijian chief, Thakombau, rose to supreme rule on the islands. As he ran into financial debt, in particular with American traders, he struggled to impose his rule. Therefore, he was forced to cede the islands to England and in October 1874, Fiji became part of The British Empire. With the American Cival War, the price ...


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From Wikipedia, the free encyclopedia - View original article
Depend is a brand of absorbent, disposable adult diapers experiencing urinary or fecal incontinence. It is made by Kimberly-Clark. The product was first introduced in 1984. It is the dominant brand of disposable incontinence garments in the United States, with a 30.8 share of the market. .[1]
Kimberly-Clark has been making Huggies disposable diapers for infants since 1978.[2] In 1984,[1] the Depend products for adults were introduced, pioneering the retail incontinence category in the United States.[3]
The original products were liners, available in regular and extra absorbencies. They could be worn inside underwear or alone, and were held on by small elastic belts. These were intended for moderate to heavy bladder incontinence. There were also fitted briefs for heavy to complete bladder incontinence as well as bowel incontinence.
The padding was originally similar to what had been used for disposable baby diapers like Huggies. In 1988, all Depend products began to use an Absorb-Lock core which turns to a gel when wet.
The product was originally unisex in style; in March 2009, Depend introduced gender-specific adult underwear in the United States and Canada. Depend Underwear for Men and Depend Underwear for Women replaced the existing unisex adult underwear on store shelves nationwide.[4]
In 2012 the company introduced very slender brief-style products, Silhouette for Women and Real Fit for Men, aimed at the Baby Boomer market.[1]
For more than 20 years the principal spokesperson for the product was actress June Allyson, who was inspired to educate the public about incontinence because of her own mother's struggle with the problem. According to Kimberly-Clark, she "did more than any other public figure to encourage and persuade people with incontinence to lead fuller and more active lives."[5]
On March 30, 2009, Depend launched the largest integrated marketing campaign in brand history featuring TV, print, online, direct mail, in-store communication and public relations elements.[6] The TV campaign, created by ad agency JWT, was directed by 2004 Academy Award winning director Errol Morris.[7]
In 2012 the company's advertising took a new approach. Previous ads had featured elderly actors with the implication that incontinence did not prevent them from carrying out active lives. The new approach used younger celebrities who were not incontinent but agreed to model the Depend brief-style products for charity.[1] Featured celebrities included actress Lisa Rinna,[8] football player Clay Matthews,[9] hockey player P. J. Stock, and figure skater Isabelle Brasseur.[10]
In the 1996 novel Infinite Jest by David Foster Wallace, each year has a corporate sponsor; most of the action takes place in year 8, the "Year of the Depend Adult Undergarment".[11]
In Lil Wayne's song "I'm Me" he raps "The only time I will depend is when I'm 70 years old"
In Blink 182's Cheshire Cat album, one of the songs is titled "Depends".
American comedienne Joan Rivers saw Depends as good material for comedy, and would feign jealousy at June Allyson for being the star of Depends commercials, as in "Hi, I'm June Allyson and right now I'm taking a dump."