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Publishers Weekly03/17/2014
Kreischer had just finished a massive bong hit when destiny struck in the form of a phone call. A reporter from Rolling Stone had heard he was the guy to show him why Florida State University, where Kreischer was then a student, was the country's top party school. It was and he did, resulting in a cover story that would change his life. Stand-up comedy was a natural next step, and it turned out that his "up for anything" approach to life was good fodder for reality TV. With a "can you believe this?" tone that runs through this breezy memoir, Kreischer relates tales of booze-fueled evenings with Russian mobsters, hanging out with Will Smith (and getting a lucrative TV development deal in the process), and wrestling with a bear while feeding it marshmallows. Played a different way, these debauched tales could come off as crass or pathetic, but the author's affability and self-deprecation only add to his charm, and the result is a genuinely hilarious look at life in the fast lane. Agent: Alyssa Reuben, Paradigm Entertainment. (May)


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Posts tagged "spencer pratt"
"The Hills" Producers Wanted Spencer To Leave Heidi At The Altar
"The Hills" producers wanted Spencer Pratt to leave Heidi Montag at the altar. "I'm like, 'There are people that flew here. Heidi's dad will choke me to death," Spencer recalled. Maybe Heidi and Spencer are human after all! Reality TV producers are still scum, though. [US Weekly] Dylan Farrow speaks out agai…
Jessica Wakeman
February 6, 2014
20 "Heidi & Spencer: After Shock" Revelations
Christmas has come early! Spencer Pratt and Heidi Montag are BACK, but a seemingly more humbled version of their once-egomaniacal selves. Last night, E! aired the special, "Heidi & Spencer: After Shock" (trailer above), which tells the Speidi story in the couple's own words, including where they've been since they fell off the radar a…
Amelia McDonell-Parry
December 10, 2013
Heidi Montag & Spencer Pratt: "We Thought We Were Jay Z And Beyonce"
Heidi Montag and Spencer Pratt blew through $10 million by being "immature" and getting "caught up" in their infamy. "Every time we'd go out to eat, we'd order $4,000 bottles of wine," said Pratt. "Heidi was going to the mall and dropping $20,000 to $30,000 a day. We thought we were Jay Z and Beyonce."…
Jessica Wakeman
December 5, 2013
Coming Soon: A Speidi Special On E!
Ummmm, E! is doing a Heidi Montag and Spencer Pratt special called "After Shock: Heidi and Spencer" on December 9, so you know where I'll be. [Celebuzz] Here's the new video for Rihanna's song "What Now," in which she writhes around like a mental patient or something. [Evil Beet…
Amelia McDonell-Parry
November 18, 2013
Khloe Kardashian & Lamar Odom On The Rocks Because Of His Crack Cocaine Addiction?
TMZ is reporting that Khloe Kardashian and Lamar Odom have separated over his alleged addiction to crack cocaine. The gossip blog says Kardashian kicked Odom out of the house on Wednesday and recently came clean to her family about the real problem in her marriage. Odom has also supposedly been missing for over 72 hours.
Amelia McDonell-Parry
August 26, 2013
This Is Spencer Pratt's Beautimous 30th Birthday Cake
Remember little crystal monster Spencer Pratt? The "Hills" villain and his equally irrelevant wife, Heidi Montag, have faded away into obscurity, after trying so very hard to build reality TV careers. The couple is celebrating Pratt's b-day on August 31 as any loving couple would: With a sponsored birthday party at Crazy…
Julie Gerstein
August 16, 2013
Heidi Montag & Spencer Pratt Are The Best Argument For Gun Control
Remember Heidi Montag and Spencer Pratt, the hydra-headed beast that terrorized Lauren Conrad, Brody Jenner and America during the mid-oughts via their appearances on "The Hills" and "I'm A Celebrity, Get Me Out Of Here"? Well, guess what? Despite going broke after spending all their money on crystals, plastic surgery…
Julie Gerstein
February 19, 2013
Spencer Pratt & Heidi Montag Are Doomsday Preppers, Blew All Their Cash Because They Thought An Asteroid Was Going To Destroy Earth
"We made and spent at least 10 million dollars. The thing is, we heard that the planet was going to end in 2012. We thought, we have got to spend this money before the asteroid hits. Here's some advice, definitely do not spend your money thinking asteroids are coming. The world…
Amelia McDonell-Parry
February 1, 2013
Bad News: "The Hills" Was Fake, Everyone
Heidi Montag and Spencer Pratt say everything on "The Hills" was fake and that they really played up their roles as the villains. Really? We had no idea, guys. [Us Weekly] Hanson covering Taylor Swift is like my bad musical tastes from 1998 colliding with my bad musical tastes from 2009. But still…
Jessica Wakeman
September 18, 2012
10 Celebrity Couples Who Renewed Their Vows
Oh look, how adorable. LeAnn Rimes and Eddie Cibrian got married -- again! For their first wedding anniversary, LeAnn and Eddie chose to do something totally unique -- they renewed their vows! How romantic. There's no better way to prove how deep your love is than to dive deep into your pockets every year and…
Amelia McDonell-Parry
May 3, 2012
Just In Case You Forgot About Heidi And Spencer…
Amelia McDonell-Parry
December 20, 2011
TLC's T-Boz & Other Celebs Who Blew Their Fortunes
Say it ain't so! TLC member T-Boz, one of the ladies who just a few years ago sang about wanting "No Scrubs," filed for bankruptcy today. T-Boz -- real name Tionne Watkins -- owes more than $768,000 to creditors, most of which is related to her $1.2 million home. Ms. Boz does have money coming…
Julie Gerstein
November 28, 2011
Heidi Montag And Spencer Pratt Faked Their Divorce, Are Struggling With Life After Infamy
"At that point, we were pulling our last cards. We felt the hot-air balloon losing its gas. And at that stage, our income would be selling the photo that would go along with the divorce. ... What we learned is: You can be too famous ... We were all getting paid to be people we…
Kate Torgovnick/Kate-Book.com
August 2, 2011
Spencer Pratt & Heidi Montag Celebrate Their "Reconciliation" With A Frolic In The Ocean
If only Mother Nature would intervene and cause these two to be swept out to sea. [Los Angeles, 9/22/10]…
Amelia McDonell-Parry
September 22, 2010
Star Couplings: Heidi Montag & Spencer Pratt Have Reconciled
We knew it was bound to become public happen. Spencer Pratt and Heidi Montag have reconciled, and he has his arrest in Costa Rica to thank for it. [The Huffington Post] A rep for Penelope Cruz has confirmed that she and Javier Bardem are expecting a baby. […
Annika Harris
September 15, 2010
Quotable: Spencer Pratt Says He Was Jailed In Costa Rica
"As part of my spiritual cleansing I've spent the last week living alone in the [Costa Rican] jungle, reflecting on my past transgressions, and working to become a better person. I had to live off the land, and hunt to survive. As I departed the country this morning to continue my spiritual journey, I mistakenly…
Kate Torgovnick/Kate-Book.com
September 13, 2010
Heidi Montag Admits That Her Surgery Obsession Killed Her Marriage
Just weeks after her plastic surgeon, Dr. Frank Ryan, was killed in a freak car accident and a month after filing for divorce from Spencer Pratt, Heidi Montag is stepping forward to talk about how unhappy she is with her plastic surgery and how the extreme procedures ruined her marriage.
Kate Torgovnick/Kate-Book.com
August 27, 2010
Quotable: The Real Reason Heidi Montag Does Not Want Her Sex Tape Released
"I'm mortified at the thought that people could be looking at me naked before I had the surgery."-- Heidi Montag is making it kind of hard for us to feel sorry for her when this is her primary concern about soon-to-be ex-husband Spencer Pratt selling and releasing her sex tape. Forehead-meet-palm. (Also, much…
Amelia McDonell-Parry
August 25, 2010
Quotable: Heidi Montag Needs To Run — Not Walk — Away From Spencer Pratt
"Clearly I care for her, but the divorce is a superficial title 'cause I didn't cheat on her. And then she divorces me to clean her image. That doesn't fly with me. As much as I was like, 'Do it' [with the divorce], I never thought it would work. You can't be Speidi and the…
Julie Gerstein
August 25, 2010
Star Couplings: Heidi Montag & Spencer Pratt's Divorce Might Be Another Sham
Heidi Montag and Spencer Pratt were spotted in Costa Rica together over the weekend. [PopEater] Martin Short's wife, former actress Nancy Dolman, has died. [Us Weekly] VH1 is pissed off at Chad Ochocinco for tweeting about his relationship with "Basketball Wife" Evelyn Lozada while his dating reality show, "The…
Annika Harris
August 24, 2010
Simply Irresistible
All »
Kim Kardashian Is Back To Brunette
Bye forever Draco Malfoy mane.
Claire Hannum
March 26, 2015
Rosario Dawson Has Great Advice For Ambitious Young…
"That's how you really have that confidence, when you've really looked at it through every facet and thought, 'I'm still doing that, it's still what I want to do.'"…
Claire Hannum
March 26, 2015
Just Look At This Asshole: Katie Hopkins Is At It…
Remember Katie Hopkins, the woman who took great delight in trashing Kelly Clarkson's body on various talk shows after her cruel fat-shaming tweets went viral? This little ray of sunshine has found another hobby since her shtick about Clarkson dried up. This time she's shitting all over Angelina Jolie's attempts to stay alive to watch…
Claire Hannum
March 26, 2015
Chelsea Handler Almost Became One Of Bill Cosby's…
"Someone from the hotel came down and said, 'Oh, you know, Mr. Cosby would really like to meet you up in his hotel suite.'"…
Claire Hannum
March 26, 2015
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Hellboy Library Edition Volume 6
By Mike Mignola; Duncan Fegredo (Illustrator); Dave Stewart (Illustrator)
(Dark Horse Books, Hardcover, 9781616551339, 376pp.)
Publication Date: June 4, 2013
Other Editions of This Title: Hardcover
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The oversized Hellboy hardcover series continues, collecting the climatic "Death of Hellboy" storyline from Mike Mignola and Duncan Fegredo, and one-shots by some of the greatest talents in comics! Hellboy has racked up multiple awards, numerous spinoffs, a novel line, video games, cartoons, and two feature films. Hellboy Library Edition Volume 6 collects two complete trade-paperbacks: The Storm and The Fury and The Bride of Hell and Others, as well as an extensive selection of previously unreleased art.


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IRS auctioning off seized Native American artwork
SIOUX FALLS (AP) -- Native American artwork owned by a Sioux Falls nonprofit organization has been seized by the Internal Revenue Service and will be auctioned next month, but a local coalition hopes to buy the art so it can be put on public display.
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UK: Treasury Wine Estates' Wolf Blass signs rugby deal
Treasury Wine Estates' Wolf Blass wine brand has signed a sponsorship deal with the England Rugby Football Union.
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GREENWICH, Conn. – More than 6,100 Connecticut Light & Power customers remained without power in Greenwich Monday morning, a week after Hurricane Sandy brought strong winds, rain and flooding to the area. With election day tomorrow, crews are focusing on restoring power to polling places, said CL&P officials.
An estimated 6,149 of 27,918 customers in Greenwich were without power at 5:30 a.m. Monday, down from 8,981 Sunday morning according to CL&P reports.
"Many large area outages have been restored, and crews are diligently working to restore all customers," said Bill Quinlan, CL&P Senior Vice President of Emergency Preparedness. "In some areas, this effort requires that entire sections of the electric distribution system be rebuilt from scratch."
More than 23,900 customers out of 1,240,246 total customers served by CL&P are out of power across Connecticut as of 5:30 a.m. Monday, down from more than 53,000 customers Saturday morning.
CL&P launched a "Restoration Estimates" web page at www.cl-p.com/restorationtimes to provide customers with estimated restoration times for repairs in their specific area. Customers can also call 800-286-2000 for the status of their outage. In previous statements, CL&P officials said they expected to have most power restored to customers by Tuesday
- 1 Police: Armed Robber Strikes Greenwich Gas Station On Route 1
- 2 Box Truck Fire Closes East Putnam Avenue In Greenwich
- 3 Greenwich Police: Two Men Assaulted, Robbed In 'Ferocious' Street Attack
- 4 Police: Missing Stamford Man Found Dead On Shippan Beach
- 5 Pedestrian Struck, Killed By Train At Fairfield Station


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Pink Pumpkins?
Is anyone trying this one, or would anyone try it if they could?
Here is a link that might be useful: Porcelain Doll Pumpkin
I bought some after Halloween(only 1 dollar!). Boiled some and mashed with butter and salt. Yum! I'm going to try to make pumpkin bread next. Their website is, www.PinkPumpkinPatch.org. I am going to try to grow some. I'm also trying to get info. on them.
Thanks for the info pumpkinpuss! I always like to know people's opinion on the flavor of something that could be just ornamental.
I saw a lot of yellow - kind of a light yellow color - on people's doorsteps this year. Am also wondering about whether or not these are just decorative in nature or for good eating, too.
New England Seed had the seed for Porcelain Doll in their 2012 catalog and I imagine they'll have them in the 2013 catalog.
The ones I saw in the stores both in southern OK and in the Dallas area were not very attractive. They looked like they'd had a lot of tough weather and the color was really uneven and splotchy---not nearly as attractive as the ones in the catalog. They were even less pink in person than in the catalog photos. It definitely is a pale coral to coral-pink color. Out of the dozens I saw at several different stores, only one had fairly even, solid color. I am not sure why they looked so bad, but given that we had widespread drought in the USA this year, I expect the weather was the problem. I think a home gardener would have a really good chance of getting the pretty color because pumpkins in a home garden would get more hands-on and up-close attention than acres of pumpkins in a field.
Here is a link that might be useful: New England Seed


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By Jef With One F
The 10 Biggest Rockers Living in Texas
By Rocks Off
By Chris Lane
By Angelica Leicht
By Corey Deiterman
Drake Returns to Warehouse Live
By Brando
By Angelica Leicht
6 Bands No One Noticed Broke Up
By Corey Deiterman
"One day, I had somebody ask me, 'What do you think it's going to be like when you're really successful?' And I said that I was already successful," Hickman notes. "I get to do what I love, I have a really loyal following, I make really good money and I don't have people ripping at my clothes and bothering me. I'm right where I want to be."
Sara Hickman performs at 8 and 10 p.m. Saturday, May 3, at McGonigel's Mucky Duck, 2425 Norfolk. Tickets are $12. For info, call 528-5999.
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Labor Ready
Our customer review rating is:
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We're the largest provider of day laborers in the nation. Every day, thousands of Labor Ready temporary employees help businesses succeed. And each day, our Labor Ready branch staff provides jobs for people willing and able to perform an honest day's work for an honest day's pay. That's what we consider our greatest success: We…read more put people to work like no other company, and we provide opportunities for personal and professional growth to everyone involved. Labor Ready perfected the on-demand business model for temporary help, establishing the world's largest general labor work force. Because of our expert management of this resource, Labor Ready can respond to your general labor and on-demand needs. As the world's largest general labor work force we are able to offer the following services to our customers: Our workers are available 24/7 every day of the year. We have over 550 locations in all 50 states. Our application process identifies the past work experience of every worker so that we can match the right workers and abilities to your job requirements. All of our workers must qualify through our behavioral screen before being sent to a job. As an IMAGE partner with Immigrations and Custom's Enforcement and through our use of E-Verify we have developed best practices to ensure our workers meet all federal documentation requirements. As a licensed labor contractor we are responsible for all worker's compensation and taxes. Our services are available for all of your labor needs including moving, landscaping, cleaning and day labor. Here are just some of the jobs we can do for moving: packing, loading/unloading, storage and organization.
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6/18 -- Submitted to HAH for payment.
~ Labor Ready
Glenda, no matter how long our temp associates work they are paid the full four hours. Barb @ Labor Ready Customer Service
~ Labor Ready
Per Idalis mgr-I apologize for the issues you had with the workers. Jessica from our branch spoke with you about the situation with the workers. You did not mention anything to her about damages. I apologize for the worker not returning to finish getting out the furniture, but that was agreement you made with the worker. I personally went with a friend that had a truck to remove the furniture to provide good customer service. I spoke with Paul Stoppi who did not mention about damages. Thank you
~ Labor Ready
Page: 1 of 58


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Founded in 1787, Marylebone Cricket Club is the most active and famous cricket club in the world and owner of Lord's Cricket Ground - the Home of Cricket.
© Copyright 2015
MCC cricketing graduates, including Andrew Strauss and Kevin O'Brien, have been nominated for the LG ICC Awards 2011.
MCC fast-bowler Hamid Hassan took match-winning figures of 10-85 as Afghanistan hammered Canada by 9 wickets in the ICC Intercontinental Cup.
Former England talisman, Andrew 'Freddie' Flintoff talks exclusively to Lords.org about everything from the current England side to, security strip searches and his new dog.
Angus Fraser puts ex-MCC Young Cricketer John Simpson's selection for the England Development XI down to his hard work with coach Jack Russell.
England's superb start to the series with India has showcased the depth of their squad with a number of players pressing for a place in what may soon be the world's number one Test side.
Former MCC Young Cricketer Alex Hales has been called up to the England Lions squad for their fixtures against Sri Lanka A.
For the fifth day of the England v India Test, MCC set low ticket prices with the aim to "fill the ground". More than 25,000 people turned up, some queueing from 2am, on 'People's Monday'.
James Anderson inspired England to a 196-run victory in front of a packed house on the final day of a thrilling Lord's Test.
England captain Andrew Strauss says his side are ready to grab the opportunity to become the world's best Test side, after they beat India at Lord's.
Switchboard: 020 7616 8500
Ticket Office: 020 7432 1000
Founded in 1787, Marylebone Cricket Club is the most active and famous cricket club in the world and owner of Lord's Cricket Ground - the Home of Cricket.
© Copyright 2015


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A collection of news and information related to Nick Nolte published by this site and its partners.
Top Nick Nolte Articles
Displaying items 12-22
'Gracepoint': Fox's take on 'Broadchurch'
Thursday's TV Highlights: 'How to Get Away With Murder'
'Gracepoint' Tries to Keep 'Broadchurch's' Hit DNA in U.S. RenditionStory | Oct 1, 2014 | 12:30 PMCarolyn Bernstein is the executive in charge of threading the needle very, very carefully. Bernstein, head of scripted programming at Shine America, spearheaded the drive to produce a U.S. rendition of "Broadchurch," the murder-mystery series that...
TV Review: 'Gracepoint'Story | Oct 1, 2014 | 8:30 AMFox's "Gracepoint" is a near shot-for-shot remake of the BBC's "Broadchurch," albeit served up in 10 episodes instead of eight. That's not a bad idea, especially for the millions who haven't seen the British version, but it does make it harder to appraise...
'A Walk in the Woods' starts shooting with Ken Kwapis at the helm
'Criminal Minds,' 'Castle,' 'NCIS: LA' return
Review: 'Hateship Loveship' ★★★
Review: 'Hateship Loveship' founders on weak emotional center
Why U.S. Audiences Are More Comfortable With Subtitles Than EverStory | Apr 22, 2014 | 4:30 PMAttendees at next month's Cannes Film Festival will hear plenty of French being spoken -- except, that is, by the characters onscreen. Of the French films recently announced as part of this year's official selection, two (Olivier Dahan's opening-nighter...
Kristen Wiig's character studies come in handy for 'Hateship Loveship'
Emma Thompson, Nick Offerman Joining Robert Redford on 'A Walk in the Woods'Story | May 5, 2014 | 12:30 PMEmma Thompson, Nick Offerman and Kristen Schaal have joined Robert Redford in the independent drama "A Walk in the Woods." Wildwood Enterprises and Route One Films started production Monday on the film, an adaptation of travel writer Bill Bryson's...


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Hotel De Champagne
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Saumur - last stay before Paris
... the buildings deteriorated so it has been renovated. There was written information as well as video footage of 're-enactments' of relevant parts of the history of the family and the historical battles fought.
We drove back along the other side of the Loire River, past the cliffs of tufa stone, where there were caves carved into the soft stone.
Dinner was at a highly recommended restaurant, 'L'Escargot', but I wasn't brave ...
... did not have the correct connector for a water tap. So we went to a garden centre and stocked up on connectors and hose ends. We used the last one to connect our clear pipe to our blue pipe to reach a tap, so we need to replace that. And Sue gave us rillettes d'oel and I wanted to get some to take with us. Tomorrow we will go to Tours, the following day in Blois, followed by Orleans. Then Evreux or Dreux and finally Fecamp and Wimereux. Then it's the ferry home to ...
Eleanor of Aquitaine
... French he tells them he has paid for parking and shows them the ticket he has placed inside the front window. "No monsieur you may not park here you must park on the other side of the street'. While this conversation is going on a lady calls out park here monsieur i am leaving" The parking inspectors let him park the car and walk on without issuing a fine. We can relax now and enjoy the beautiful meal ...
... bed, incredibly comfortable and beautifully appointed. The bathroom with a lovely big tub for soaking and a separate dressing room. Beautiful decor.
We are all very tired from our long trip today and i quickly throw a salad together and cook some fresh fish in garlic butter and lemon. The bottle of peach wine i put into the fridge to cool falls out of the fridge door as i open it and smashes into hundreds of pieces. So we can strike that from our dinner menu. ...
Mother's Day in France.
... how sitting in a theatre wearing 3D glasses on very comfortable chairs that move - not a lot - but enough so that it gives the impression of going up and down a roller coaster. Again, think Star Tours simulator at Disneyland. My stomach got left behind on quite a few occasions! It's really weird because I know it's not real and it's just a film, but my mind was telling me something else completely. Really good fun!
All in all, a really ...


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O.K. maybe no librarian will be at the library this coming weekend, Nov. 25- Nov. 28. Yes, perhaps the front doors at Maud Marks library will remain locked... but, that doesn't mean we're closed. Harris County Public Libraries are ALWAYS open online here at www.hcpl.net. You can find books, place holds, check your account, and pay fines using our catalog.
Are you trying to figure out how you're going to pay for college next year? This economy has affected us all and finding the money to pay for that all important college degree can be difficult. You know what, though, there is more financial aid available out there for students than you might expect. We will be hosting a seminar tomorrow (Saturday) at 2 PM for high school seniors and their parents to learn how to find funds for post-secondary education. Learn how you can get a college education without going broke! Seating for this program is limited. Click here to register for this and other events.
In the last 12 months alone, 9 million Americans were victimized by identity theft. Don't become a statistic yourself! There are steps you can take today to safeguard your personal information. This Monday at 6:30 PM, the Harris County Sheriff's office will be here to host a seminar that can help you avoid identity theft and financial fraud. Our presentation will include information on common scams to watch out for and identity theft warning signs. Don't allow yourself to be victimized. Seating for this class is extremely limited. Please click here to register. Also, check out our catalog for more books about identity theft.
Here at Maud Marks , we are always looking for the newest and most innovative way to make sure YOU know what is going on at the library. Recently, we were chosen to try out the newest idea for Harris County Public Library, an Electronic Bulletin Board! When you enter the library, look over to the right between the homage to Maud Marks Daughters and the returns desk. There, you will see our new, cool flat screen TV streaming information about all our upcoming events. Want to know what our book clubs are reading? How about when the next volunteer orientation is? Just keep an eye on the screen, all the information is right there! Check out what is going on at the Maud Marks Library. Find out which nationwide events celebrated locally at your library. We have it all, right there on our Electronic Bulletin Board!
Do you know this history of the MKT? The railroad has always been a huge part of the history of the Katy area. In honor of our summer reading club theme, we have a real treat for all. We will end our adult summer reading club programs with a visit from the Katy Heritage Society. They will be here this Tuesday night at 7 PM to discuss the history and impact of the Missouri-Kansas-Texas railroad on the area. Come learn all about our prairie's early history.
Are you looking for that next best seller to listen to on a long car ride but don't have time to visit the library and check out our collection of DVDs? Why not check out our Digital Media Catalog? We have hundred of audio books, music, electronic books, movies, and more you can download from the comfort of your own home. Best of all, this Tuesday at 7 PM, we will be hosting a class on how to do just that here at the library. Learn how to find, download, and transfer digital audio and e-books from our databases. Basic mouse and keyboarding skills are required. Seating for this and all computer classes is extremely limited. Click here to register for this and other classes offered by the library.
Boy! Our lawns here in Texas really like this hot weather we've been having! It seems we just cut the grass and we turn around and it's long again. And then there's all that weeding that needs to be done! Are you ready to get that lawn looking good enough for a magazine spread? This coming Tuesday at 7 PM, Glen Graves from the Texas Agricultural Extension Office will be at the Maud Marks Library to discuss proper lawn care for the Houston area. Come find out what YOU need to know to keep your lawn looking perfect. There is no registration required for this event and everyone is welcome. Meanwhile, check out our catalog for more books to keep your lawn looking good.
Did you know the summer reading program isn't just for kids any more? Even adults can get on the fun this summer! At the Maud Marks Library, we actually have 2 summer reading programs for adults that run simultaneously. It is easy and fun to participate in both! Here's how you do it:
1. Click here to sign up online to participate in the Harris County Public Library program.
2. Go by the Maud Marks Library to pick up a ReaderNation 9 Book Challenge title log form.
3. Read or listen to one book in each of the 9 genres and enter in drawings to win movie posters.
4. Record at least 4 books online to be eligible for the drawing to win book store gift cards.
5. Make sure you have recorded all your books by August 14 so your name is in our drawing!
Do you know what Memorial Day is REALLY about? Everyone take a pause this Monday to remember our fallen service men and women who have died that we might live in this wonderful free country. It has been observed since the late 1800s but has only been a national holiday since 1971. For more on the history of Memorial Day, click here.
The Maud Marks will be observing this very solemn day on Monday with the rest of the nation. Don't worry though, we won't be closed for long. We'll open again on Tuesday at 10 AM for a regular day. Visit us then and watch as we gear up for the end of school and the beginning of our summer reading program.
Last Saturday at the Maud Marks Library, we had a BLAST!!! It was time for our annual Asian Pacific Heritage Festival. We kicked off the day with bonsai trees, a diayas craft, and Vietnamese music. We also had a Japanese Tea Ceremony, belly dancing, a Rangoli demonstration, lei making, Japanese AND Chinese calligraphy, origami, and of course, lots of food! The highlight of the day was a Vietnamese lion dance complete with silliness. A great time was had by all. Click here to see more photos.
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text: High Arctic Energy Services Company Profile (TSE:HWO) Tweet Analyst RatingsEarningsDividendsInsider TradesCompany ProfileToday's Chart Consensus Ratings for High Arctic Energy Services (TSE:HWO) (?) The ratings breakdown includes the most recent rating from each analyst that has rated the stock within the last twelve months. The ratings score is a calculation of the average number of sell, hold, buy and strong buy ratings (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). The consensus price target is a mean average of the most recent price target set by each analyst that has set a price target for the stock in the last twelve months.Ratings Breakdown: 2 Buy Rating(s)Consensus Rating:Buy (Score: 3.00)Consensus Price Target: C$6.67 Analysts' Ratings History for High Arctic Energy Services (TSE:HWO) Show: All Ratings For This Stock Only the Most Recent Rating From Each Brokerage DateFirmActionRatingPrice TargetDetailsShare12/17/2014Pi FinancialLower Price TargetBuyC$7.00 -> C$6.50View 8/14/2014Pi FinancialBoost Price TargetBuyC$7.00 -> C$7.50View 7/3/2014Pi FinancialReiterated RatingBuyC$7.00View 5/14/2014National Bank FinancialBoost Price TargetOutperformC$6.00 -> C$6.75View 5/14/2014NBFBoost Price TargetC$6.00 -> C$6.75View 3/17/2014Pi FinancialBoost Price TargetBuyC$4.50 -> C$4.75View 12/23/2013National Bank FinancialUpgradeSector Perform -> OutperformC$4.00View 11/29/2013Pi FinancialInitiated CoverageBuyC$4.00View 8/15/2013National Bank FinancialBoost Price TargetSector PerformC$2.50 -> C$2.75View 5/16/2013National Bank FinancialLower Price TargetSector PerformC$2.70 -> C$2.50View (Data available from 3/30/2013 forward) Earnings History for High Arctic Energy Services (TSE:HWO)DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetailsShare8/14/2014$0.04$0.13ViewN/AView (Data available from 1/1/2011 forward) Dividend History for High Arctic Energy Services (TSE:HWO)AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable DateShare11/13/2014nov 14C$0.0211/26/201411/28/201412/12/2014 10/22/2014oct 14C$0.0210/29/201410/31/201411/14/2014 9/19/2014sep 14C$0.029/26/20149/30/201410/14/2014 8/20/2014aug 14C$0.023.3%8/27/20148/29/20149/12/2014 7/22/2014jul 14C$0.027/29/20147/31/20148/14/2014 6/19/2014jun 14C$0.026/26/20146/30/20147/14/2014 5/21/2014may 14C$0.025/28/20145/30/20146/13/2014 4/21/2014apr 14C$0.024/28/20144/30/20145/14/2014 3/17/2014mar 14C$0.023/27/20143/31/20144/14/2014 1/22/2014jan 14C$0.011/29/20141/31/20142/14/2014 12/18/2013dec 13C$0.0112/27/201312/31/20131/14/2014 11/20/2013nov 13C$0.014.62%11/27/201311/29/201312/13/2013 10/22/2013oct 13C$0.0110/29/201310/31/201311/14/2013 9/19/2013sep 13C$0.019/26/20139/30/201310/11/2013 8/21/2013aug 13C$0.018/28/20138/30/20139/13/2013 7/22/2013jul 13C$0.017/29/20137/31/20138/14/2013 6/19/2013jun 13C$0.016/26/20136/28/20137/12/2013 4/19/2013apr 13C$0.014/26/20134/30/20135/14/2013 3/19/2013mar 13C$0.013/26/20133/28/20134/12/2013 (Data available from 1/1/2013 forward) Insider Trading History for High Arctic Energy Services (TSE:HWO)No insider trades for this company have been tracked by Analyst Ratings Network About High Arctic Energy Services High Arctic Energy Services Inc. is engaged in the drilling of oil and gas. The Company also delivers nitrogen, through its on-site nitrogen pumping units. The Company provides the equipment, personnel, and support services to drill, complete and work over onshore and offshore wells in Canada. Its equipment includes camps, rig matting, cranes, forklifts, and trucks. The Company provides a range of equipment rentals, including high pressure BOPs, drilling manifolds, accumulator units, flanges, adapters, spools, and overhead handling equipment. High Arctic Energy Services Inc. is also the authorized distributor of Dura‑Base composite matting in Papua New Guinea. High Arctic Energy Services Inc. provides light-weight, heli-portable drilling rigs, which allows for mobilization to areas with remote or limited access. Headlines: (3/12) High Arctic Grows EBITDA to $49.3 million (3/20) High Arctic Declares Monthly Dividend (3/23) TSX listed corporate dividends and distributions declared March 23 Industry, Sector and Symbol: Sector: N/A Industry: N/A Sub-Industry: N/A Exchange: TSE Symbol: HWO CUSIP: Key Metrics: Previous Close: $3.6350 Day Moving Average: $3.65200 Day Moving Average: $3.98P/E Ratio: 6.72P/E Growth: 0.00Market Cap: $201.21MCurrent Quarter EPS Consensus Estimate: $0.42 EPS Additional Links: View HWO on Google FinanceView HWO on Yahoo FinanceView HWO's Company Profile on ReutersSearch for High Arctic Energy Services, Inc. on Google High Arctic Energy Services (TSE:HWO) Chart for Monday, March, 30, 2015 (Chart Provided by Yahoo Finance)


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Gonzaga used to be the cool pick to score an upset in the early rounds of the NCAA men's basketball tournament. In recent years, the Mark Few-coached Bulldogs have been one of the teams that could win it all.
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Coolest Spaceships
Posted: August 4, 2014
It's a brand new month, which means you can say hello to brand new titles on Netflix streaming.
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If you had a dining room this gorgeous, you might actually use it more than twice a year.
A Charming Hamptons Makeover
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The living and dining rooms are divided by a glass-and-oak partition with French doors; the muslin-upholstered sofa and fur throw are by York Street Studio.


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This work was supported by the National Institutes of Health under grant P01 CA055075, the MEEI Foundation, and the Vanderbilt University School of Medicine Development Funds. The authors have no other funding, financial relationships, or conflicts of interest to disclose.
Article first published online: 7 JUL 2010
DOI: 10.1002/lary.21039
Copyright © 2010 The American Laryngological, Rhinological, and Otological Society, Inc.
The Laryngoscope
Volume 120, Issue 9, pages 1887–1891, September 2010
Additional Information
How to Cite
Shargorodsky, J., Curhan, S. G., Eavey, R. and Curhan, G. C. (2010), A prospective study of cardiovascular risk factors and incident hearing loss in men. The Laryngoscope, 120: 1887–1891. doi: 10.1002/lary.21039
- †
- ‡
Presented in the poster session at the Triological Society Combined Otolaryngology Spring Meeting, Las Vegas, Nevada, U.S.A., April 28–May 2, 2010.
Publication History
- Issue published online: 23 AUG 2010
- Article first published online: 7 JUL 2010
- Manuscript Accepted: 5 MAY 2010
- Manuscript Revised: 3 MAY 2010
- Manuscript Received: 23 FEB 2010
- Abstract
- Article
- References
- Cited By
- Hearing loss;
- cardiovascular;
- smoking;
- cholesterol;
- Level of evidence: 2a
Hearing loss is the most common sensory disorder in the United States, affecting more than 36 million people. Cardiovascular risk factors have been associated with the risk of hearing loss in cross-sectional studies, but prospective data are currently lacking.
Study Design:
Prospective cohort study.
We prospectively evaluated the association between diagnosis of hypertension, diabetes mellitus, hypercholesterolemia, smoking, or body mass index (BMI) and incident hearing loss. Participants were 26,917 men in the Health Professionals Follow-up Study, aged 40 to 74 years at baseline in 1986. Study participants completed questionnaires about lifestyle and medical history every 2 years. Information on self-reported professionally diagnosed hearing loss and year of diagnosis was obtained from the 2004 questionnaire, and cases were defined as hearing loss diagnosed between 1986 and 2004. Multivariable-adjusted hazard ratios (HRs) were calculated using Cox proportional hazards regression models.
A total of 3,488 cases of hearing loss were identified. History of hypertension (HR 0.96; 95% confidence interval [CI], 0.88-1.03), diabetes mellitus (HR 0.92; 95% CI, 0.78–1.08), or obesity (HR 1.02; 95% CI, 0.90–1.15 for BMI ≥30 compared to normal range of 19–24.9) was not significantly associated with hearing-loss risk. Hypercholesterolemia (HR 1.10; 95% CI, 1.02–1.18) and past smoking history (HR 1.09; 95% CI, 1.01–1.17) were associated with a significantly increased risk of hearing loss after multivariate adjustment.
A history of hypertension, diabetes mellitus, or obesity is not associated with increased risk of hearing loss; a history of past smoking or hypercholesterolemia has a small but statistically significant association with increased risk of hearing loss in adult males. Laryngoscope, 2010


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OTHER TOPICSPortola Valley theater stages 'The Diviners'
Hope, faith and fate. These are some of the themes of "The Diviners: A Play in Two Acts and Elegies," being staged by the...Original post made on Mar. 18, 2014
Last comment by Cheryl Goodman-Morris, on Mar 18, 2014 at 5:13 pm | 1 comment | 1999 Views
MENLO PARKProbe of Facebook threat continues
A bomb threat that cleared Facebook's buildings of employees on March 11 turned out to be "a big nothing," according to Menlo...Original post made on Mar. 18, 2014
Last comment by where, on Mar 18, 2014 at 8:14 pm | 1 comment | 919 Views
SPORTSGymnastics: Menlo Park boys compete in NorCals
The Level 4 & 5 Menlo Park Boys Gymnastics Team competed at the Northern California State Championships in San Luis Obispo...Original post made on Mar. 19, 2014
Last comment by Gymnastics fan, on Mar 19, 2014 at 5:04 pm | 1 comment | 2566 Views
WOODSIDESunday: New open space preserve along Skyline Boulevard opens
Hikers, equestrians and mountain bikers looking for new outdoor spaces to enjoy may want to try the El Corte de Madera Creek...Original post made on Mar. 21, 2014
Last comment by Joseph E. Davis, on Mar 21, 2014 at 11:18 am | 1 comment | 3235 Views
WOODSIDEWoodside bridges to have their secrets revealed
An issue with the potential to disrupt Woodside's village character is once again before the Town Council: What should be...Original post made on Mar. 21, 2014
Last comment by Robert Cronin, on Mar 21, 2014 at 6:17 pm | 1 comment | 2725 Views
ATHERTONExhibit opens doorway to decades past
A vibrant new art exhibit at Menlo College celebrates the institution's 85th anniversary. Read the full story here http://www.almanacnews.com/news/2014/03/22/exhibit-opens-doorway-...Original post made on Mar. 23, 2014
Last comment by Judy Seitelman, on Mar 23, 2014 at 3:07 pm | 1 comment | 4109 Views
OTHER TOPICSJail staffing, appeal of rehab center OK on supes' agenda
The San Mateo County Board of Supervisors at its March 25 meeting will consider an ordinance allocating $4.2 million for...Original post made on Mar. 24, 2014
Last comment by pearl, on Mar 24, 2014 at 1:22 pm | 1 comment | 2322 Views
OTHER TOPICSJudge rules assistant controller can run for top post
After more than four hours of hearing legal arguments, a San Mateo County Superior Court judge this afternoon (March 24)...Original post made on Mar. 24, 2014
Last comment by Frank Fortunato, on Mar 24, 2014 at 7:15 pm | 1 comment | 6938 Views
State law (AB 1234) requires that local officials who receive compensation, salary, stipends, or expense reimbursements must...Original post made by Jack Hickey on Mar. 27, 2014
Last comment by Jack Hickey, on Mar 27, 2014 at 12:55 pm | 1 comment | 444 Views
OTHER TOPICSLet them eat bread
As is common among bread bakers, Portola Valley resident and part-time baker Phil Reilly starts his day early. Not 3 a.m....Original post made on Mar. 28, 2014
Last comment by MadamPresident, on Mar 28, 2014 at 3:20 pm | 1 comment | 2190 Views
MENLO PARKMenlo Park: Highway 84 lanes reopened after crash
An injury collision temporarily blocked all lanes of westbound state Highway 84 in Menlo Park near the Facebook headquarters...Original post made on Mar. 29, 2014
Last comment by resident, on Mar 29, 2014 at 7:46 pm | 1 comment | 2202 Views
OTHER TOPICSSheriff's Office warns public of telephone scam
The San Mateo County Sheriff's Office is warning the public of scammers who ask for money due to a failed appearance for...Original post made on Mar. 31, 2014
Last comment by SteveC, on Mar 31, 2014 at 2:36 pm | 1 comment | 2405 Views
SPORTSMontgomery calls it a career as a head hoops coach
Former Stanford head coach and longtime Menlo Park resident Mike Montgomery, one of college basketball's all-time winningest...Original post made on Apr. 1, 2014
Last comment by randy albin, on Apr 1, 2014 at 10:43 am | 1 comment | 1606 Views
MENLO PARKTonight: Housing plan update, animal shelter on Menlo Park council agenda
April kicks off with a busy start for the Menlo Park City Council, with homeless shelters, animal shelters and Caltrain electrification...Original post made on Apr. 1, 2014
Last comment by MaryAnn Saunders, on Apr 1, 2014 at 5:51 pm | 1 comment | 1283 Views
AROUND TOWNEditorial: Golf course water well still a bad idea
In the midst of a debilitating drought and just two years after Menlo Park's Environmental Quality Commission turned thumbs...Original post made on Apr. 1, 2014
Last comment by Elizabeth, on Apr 1, 2014 at 10:48 pm | 1 comment | 1483 Views
WOODSIDEWoodside: Council open to subdivision on Moore Road
There is one parcel on Moore Road east of Interstate 280 in Woodside that is significantly larger than its neighbors. It...Original post made on Apr. 1, 2014
Last comment by bengt henriksen, on Apr 1, 2014 at 11:15 pm | 1 comment | 3511 Views
MENLO PARKThe ongoing flooding problem at intersection of Middle and University
For many years now whenever there is a moderate or heavier rainfall the northwest corner of Middle and University has had...Original post made by whatever on Apr. 2, 2014
Last comment by curious, on Apr 2, 2014 at 1:59 pm | 1 comment | 467 Views
MENLO PARKMenlo Park search and rescue team deploys to Alaska
With Washington state's search and rescue teams busy with the aftermath of a deadly mudslide, a large-scale disaster exercise...Original post made on Apr. 2, 2014
Last comment by Proud Menlo Park Resident, on Apr 2, 2014 at 12:26 pm | 1 comment | 2161 Views
SPORTS2014 Central Coast Section track and field leaders
==B Boys== ==B 400 -- ==Plante (Menlo-Atherton) 50.12, Wright (Terra Nova) 50.26, Friske (King's Academy) 50.43, Morris...Original post made on Apr. 2, 2014
Last comment by S. Wood, on Apr 2, 2014 at 12:41 pm | 1 comment | 2508 Views
SPORTSLocal youth basketball team takes national title
Redwood NJB's 6th Grade All-Net Team qualified for the national tournament in Los Angeles by winning the Silicon Valley title....Original post made on Apr. 2, 2014
Last comment by Sandy Asper, on Apr 2, 2014 at 12:46 pm | 1 comment | 1725 Views
Page 407.25 of 505
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Ramen shop replaces Muraccis in Los Altos
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"Its Not About the Nail"
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Sharing Milestones
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text:
The Top 10 In Action Sports
01Welcome to Qasr Al-Farid: The Rock With A Door That Will Rock Your World
0218 Things That Will Give Anyone Who Did Duke Of Edinburgh A Serious Flashback
0316 Things That Will Give 90s Skater Kids A Serious Flashback
04This 10 Year Old Kid Just Nailed A Dub Cork 1080... On His Second Attempt
05The 10 Most Spectacular Road Trips on Earth
06Water Slides, Plane Wings and Danny MacAskill: This is Road Cycling Like Never Before...
0724 Reasons Why Snowboarding Was Better In The Early Noughties
08Could Scientists Be About to Build a Terminator? They're Closer Than You Think…
09Win a Holiday for 2 in Chamonix with Three #holidayspam
1017 Holiday Beer Photos That Every Skier Takes to Make Their Friends Jealous
Skullcandy @ Etnies European Skateboard Championships 2009
A Skateboarding video by Mpora - 5,482 views
The 9th edition of the ESC (that's European Skate Champs folks) went down in Basel, Switzerland from 6-9 August with Skullcandy laying on the beats. The nerds behind the show told us it was some kind of "series of experiments in anti-gravity, human particle collisions and theories of relativity" - hell, we just thought we were in for a skate comp. Seeing as the Swiss are a nation of peace and great cheese 'n chocolate we felt we'd go and run some tests of our own so with Georges Agonkouin and Severin von Ow plus several other Skullcandy riders in force we headed across to lay some down. Check out how they got on and grab a peek of 14 year old Axel Cruysberghs slaying everything before him.


text:
A method of determining information concerning a trust preferred security is disclosed. A database is accessed and from the database the user obtains the identity of one or more trust preferred securities. In addition, the user obtains the issue yield, the current yield, the yield to call, the yield to maturity, the maturity date, the call date, the call price, the issue date, the dividend amount, the x-dividend date, the record date, and the dividend pay date for a trust preferred security. Other information that may be obtained includes whether any dividends are cumulative or non cumulative, whether deferral of the dividend is permitted by the trust agreement, and whether there is a guarantee of any type on the security. The user may also ascertain the nature of the underlying security, the nature of the trust security interest, the par value of the trust preferred security, the current bid price and the current offering price. Financial information about the issuer is shown as well as the current credit rating, if any, which rating agencies have assigned to the issuer or the Trust Preferred Security.
1. A method of determining information concerning a trust preferred security comprising
accessing a database and obtaining the identity of one or more trust preferred securities;
accessing one or more databases and obtaining the issue yield, the first maturity date, the issue date, the dividend amount, the x-dividend date, the record date, and the dividend pay date for a trust preferred security;
accessing one or more databases and ascertaining whether any dividends are cumulative or non cumulative, whether deferral of the dividend is permitted by the trust agreement, and whether there is a guarantee of any type on the security;
accessing one or more databases and ascertaining the nature of the underlying security, the nature of the trust security interest, the par value of the trust preferred security, the current yield, the yield to call, and the yield to maturity;
accessing one or more databases and ascertaining the current bid price, the current offering price, the next call date, and the call price.
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8. The method according to claim3 wherein the dividend information includes the quarterly dividend.
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[0001] The present invention is in the field of methods and systems for identifying the relative values of trust preferred securities.
[0002] A Trust Preferred Security is a fixed income hybrid security that has become popular among issuers, particularly among regulated financial institutions, which are required to meet certain minimum capital adequacy standards. Trust Preferred Securities were introduced by Wall Street during 1993 and are securities that combine the features of a preferred stock with corporate bonds. One of the advantages of certain Trust Preferred Securities is the favorable tax treatment that they provide to issuers. For example, dividends paid on certain Preferred Securities are, effectively, a tax-deductible expense to the issuer. As a result, some Trust Preferred Securities have begun to replace traditional preferred stock at many financial institutions since they are a cheaper source of regulatory capital. Because of this advantage to the issuers, certain Trust Preferred Securities offer comparatively higher yields to purchasers than corporate bonds and debt instruments.
[0003] There are approximately 122 publicly traded Trust Preferred Securities issued by financial institutions in the market presently. The total market value is approximately $11.5 billion. Financial institutions have also issued Trust Preferred Securities under Rule 144A of the Securities Act of 1933 (�The Act�), as amended, and they represent an even larger market than the public market; however, they are much less liquid and reserved for qualified buyers in relatively large transaction sizes, typically $500,000 or larger.
[0004] Trust Preferred Securities typically have three parts to their structure. Initially, a bank or thrift holding company sets up a wholly owned special purpose subsidiary in the form of a grantor trust, which, by its nature, is not subject to federal or state taxation. The trust issues preferred stock, generally described as Trust Preferred Securities or Capital Securities, to the public or in a private placement. With the proceeds the trust purchases a junior subordinated debenture from the bank or thrift holding company with mirror image terms of the Trust Preferred Securities issued by the grantor trust. The bank or the thrift holding company pays interest on the junior subordinated debt to the trust and the grantor trustee then pays a like amount in dividends to the Trust Preferred Security holders. The trust agreement gives the holders of the Trust Preferred Securities a beneficial interest in the junior subordinated debt. A similar structure using a pool of mortgages instead of a junior subordinated debenture issued by a bank or thrift instead of a holding company has also been used occasionally and is sometimes called REIT Trust Preferred Securities..
[0005] According to Federal Reserve capital guidelines, the junior subordinated debentures must be subordinated to all other debt and have the longest feasible maturity in order to qualify as Tier 1 Capital for regulatory purposes. Generally accepted accounting principles provide that the inter-company loan be eliminated upon consolidation of the bank or holding company's financial statements with the Trust Preferred Securities appearing as minority interest on the consolidated balance sheet. Since the bank or holding company can deduct the interest paid on the intercompany loan and since the grantor trust is not subject to taxation, the preferred dividends are tax deductible to the issuer and, as a result, can enhance the issuer's after-tax cash flow compared to a non-deductible security.
[0006] Financial institutions in particular are drawn to Trust Preferred Securities because they provide a low cost of acquiring regulatory capital, provide debt-like characteristics for tax purposes and may be treated as Tier 1 Capital by the regulators. In order to qualify as Tier 1 Capital, the instrument must be deeply subordinated (i.e. junior subordinated), have the longest feasible maturity (i.e. 30 years or longer) and have an interest deferral right, (i.e., a provision that permits the parent company to defer interest payments on the junior subordinated debentures for a maximum of 20 consecutive quarters without causing a default). The Federal Reserve caps the amount of cumulative preferred stock including Trust Preferred Securities that a bank holding company may include in its Tier 1 Capital at 25% of total Tier 1 Capital.
[0007] The advantages of Trust Preferred Securities accrue not only to the issuing institution but also to the investor. Trust Preferred Securities are typically sold in the public market with par values of $25 or $10 per share. These prices make the securities more accessible to the average investor. Even though Trust Preferred Securities have a term of 30 years or more, many Trust Preferred Securities are traded on major exchanges rendering them easy to monitor, and more importantly, providing them with a measure of liquidity. While each of these are important factors for investor interest in the securities, they are not the most important. Non-rated Trust Preferred Securities issued by community bank and thrift holding companies are typically priced at the time of issuance to yield at least 400 basis points above the 10 year U.S. Treasury note rate.
[0008] Trust Preferred Securities issued in the private placement market under Rule 144A of the Act are structured more like a corporate bond than a preferred stock. Such securities typically have a $1,000 par value, pay dividends semi-annually, trade with accrued income and trade in minimum required sizes of 100 units ($100,000 at par).
[0009] Besides the attraction of high yield on Trust Preferred Securities, some investors also buy them in anticipation of an acquisition of the issuer by a larger, more creditworthy institution. Such an acquisition would make the Trust Preferred Securities more valuable and the share price would be likely to move up.
[0010] Trust Preferred Securities are redeemed at par upon maturity of the junior subordinated debentures issued by the holding company to the grantor trust. In addition they may be called under certain circumstances (see below) at par or a premium to par depending on the provisions of the agreement.
[0011] Trust Preferred Securities are interest rate sensitive and will decline in price if interest rates increase. Similarly, the securities may increase in value if interest rates move lower. As a result, many Trust Preferred Securities are sold with a provision that renders them non-callable for a given period of time, typically, five to seven years. After the period when the Trust Preferred Securities are not subject to call the issuer may choose to call the securities and would do so most likely if its cost of capital has declined substantially from the time when the Trust Preferred Securities were issued. Another risk that purchasers of Trust Preferred Securities have is the risk that Congress may at some future point eliminate the tax benefits to the issuer. Because of the risk that the tax-exempt status of interest expense on junior subordinated debentures may change, many issuers have a provision in the security that allows the issuer to redeem the security at par and exchange it for a comparable security should the tax benefits be altered.
[0012] The Federal Reserve has indicated that a Trust Preferred Security must have the �longest feasible maturity.� This maturity has been defined to date as a period of at least thirty years. It is possible for the Federal Reserve to set a shorter period.
[0013] As noted above, the issuer typically has the option to call the security after a period of time. In addition, the issuer can also call the security prior to maturity if at some future date, for example, the minority interest created in the transaction is not allowable as Tier 1 capital as ruled by the Federal Reserve. Another event that could result in calling the security would be if the taxing authority negatively alters the net tax burden to the bank or holding company. A calling of the security could also occur through a change in the regulation by the Securities and Exchange Commission that would render the trust an investment company by the SEC.
[0014] Dividends, also called �distributions�, are payable quarterly or semi-annually and are also cumulative. Issuers of Trust Preferred Securities can defer interest payments for up to five years without being in contractual default. This feature is of benefit to a company facing a difficult financial situation. Deferred dividend payments compound quarterly and, while not received by the investor, the investor is still taxed on the accrued, but not received deferred dividend. If the bank or holding company fails to pay the interest for more than twenty quarters, i.e., five years, the trustees could force the parent company into bankruptcy on behalf of the Trust Preferred stockholders. The payment can also be accelerated in the event of default by the parent company.
[0015] One of the characteristics of the Trust Preferred Securities market is that information about each of the issues is not available in a convenient location and no standardized, comparable data is readily available to help in the evaluation of these securities. The inventor has developed a proprietary analytical approach to gather relevant information on each of the Trust Preferred Securities in the public market, and using this approach, the inventor has created a valuable methodology for producing attractive returns from investing in Trust Preferred Securities.
[0016]FIG. 1 is a spread sheet showing the types of data that can be retrieved by the method of the present invention.
[0017]FIG. 2 a continuation of the columns of the spread sheet on FIG. 1.
[0018]FIG. 3 is a representative computer system which may be used in the method of the present invention.
[0019] In the method of the present invention the user accesses selected databases by any suitable means including but not limited to the use of a computer system having the data stored thereon, through access to a network such as a WAN (wide area network), a LAN (local area network), the Internet, the world wide web, an intranet or other resources, to search for certain typically pre-selected, relevant information concerning one or more Trust Preferred Securities in order for the user to compare the securities and make a determination or an informed decision on the relative value of a particular security for investment purposes. As seen in FIG. 1, the information obtained may be presented in the form of a spread sheet or in any other suitable display format that are well known to those skilled in the art. Typically, the user searches for information that may be most relevant in making a decision with respect to a Trust Preferred Security. In the method of the present invention the first step is to access certain individualized information concerning a particular security. However, the order of accessing the information is not necessarily important in most instances. In addition, the search may be done whereby all the information is sought in a single search or it may be done one at a time.
[0020] Initially, there may be a search for the identity of the different Trust Preferred Securities in existence. Presently, there are one hundred and twenty-two of these securities traded on the New York or American Stock Exchanges or traded in the national over-the-counter market and quoted on the NASDAQ National Market System. For purposes of the invention, the �Issuer� of the Trust Preferred Security 11 is usually the corporate name of the issuer of the subordinated debt to the grantor trust, however, each grantor trust is technically the issuer of the Trust Preferred Security.. Whether the issuer is a bank or a thrift holding company 12 is also ascertained. The distinction between the bank trust preferred securities and the thrift trust preferred securities is mainly a credit quality issue. Other information accessed may include the geographic location 13, and their stock symbol both common 14 and preferred 15. This information is frequently important since it has been found that many of the community bank and thrift companies have very similar names and this additional information is useful to distinguish the various trust preferred securities that are in existence from each other. It also makes it easier to more quickly find information about the issuer or the security. The identity and the other information sought for these securities is obtained from a number of conventional databases as there is no one source that has this information available. In the column 16 there is also the heading type of security for those instances where more than one type of security is included in the display.
[0021] In order to make an evaluation on the value of a particular trust preferred security there are a number of considerations that may make up such a determination. Many of these factors are very subjective to each individual investor and as a result one investor may place greater weight on one factor than another or even ignore some of these factors altogether. The information accessed from the databases that are used in a determination of the value of a trust preferred security include such factors as the issue yield 17, the final maturity date 18, the issue date 19, the annual dividend 20, the quarterly dividend 21, the x-dividend date 22, the record date 23, and the dividend pay date 24. The issue yield 17 is the nominal interest rate of the security divided by the security's par value when it was issued by the issuer. This yield remains constant throughout the term of the security and does not vary. The final maturity date 18 is the latest date when the issuer can redeem the security. The maturity date is normally at least 30 years from the issue date 19, of the security.
[0022] The annual dividend 20 is the amount of the annual dividend in dollars that is paid annually to the record holder of the trust preferred security. The quarterly dividend 21 is one fourth of the annual dividend. Sometimes the dividend is paid semi-annually and that would be shown in 21 and 22. In many securities, not just trust preferred securities, there is an x-dividend date 22. On this date, whoever the owner of the security is receives the dividend when it is issued on the pay date 24. For example, if a security pays a quarterly dividend on the last day of each quarter, i.e., March 31, there is an x-dividend date established which is two business days prior to the Record Date which the issuing company announces. If the security is purchased on the x-date, the buyer will not receive the dividend since his actual ownership of the security does not occur until three days after the trade date, thus he will not be an owner on the record date. The dividend pay date 24 in FIG. 1 is frequently the initial of the particular months that the dividend is issued, e.g., M, J, S, and D for March, June, September and December. The date of payment in the month is shown as a whole number, i.e., 1 or 15 or 30, etc.
[0023] Additional information obtained from the database that may be relevant can include whether the dividends are cumulative or non cumulative 25, whether deferral of the dividend is permitted by the trust agreement 26, and whether there is a guarantee of any type on the security 27. Similarly, information is frequently obtained from the database on the nature of the underlying security 28 and the nature of the trust security interest 29. The par value of the trust preferred security 30 and the size of the issue 31 can also be pertinent in an evaluation of a trust preferred security. Information on the current yield 32, the yield to call 33, and the yield to maturity 34, can also be relevant.
[0024] Whether the dividends are cumulative refers to a situation where a trust preferred security misses or omits a security for one or more reasons, usually financial. In common stocks for example, dividends are usually non cumulative, i.e., if a company omits a dividend that dividend is lost and the company is under no obligation to make up that dividend if the company's finances turnaround. In the area of trust preferred stocks, the dividend is usually cumulative, which refers to the situation that if a preferred dividend is ever omitted the company is obligated to make up the deferred dividend before it pays common stock dividends.
[0025] Whether the dividend must be paid when due or whether a dividend that is otherwise due can be omitted is a factor in evaluating a trust preferred security. This feature is identified in FIG. 1 by the reference numeral 26. The reference to whether a guarantee is present is shown at 26. This guarantee is typically a very limited guarantee in trust preferred securities. Normally, the guarantee is merely that if there is money in the trust to pay the dividends and to redeem the securities at maturity the guarantor guarantees that the investors will be paid.
[0026] The nature of the underlying security 28 issued by the holding company identifies the principal asset of the Trust, i.e., junior subordinated debenture, etc. The nature of the trust security interest owned by the Trust Preferred shareholders29 indicates whether the ownership interest is preferred, beneficial or indirect. The par value 30 refers to the initial price of the security when it was originally issued. This amount is usually $10.00 or $25.00 for public Trust Preferred Securities or $1,000 for private placements, although the par value can be any amount. The par value is also the amount that the owner of the security will receive when the trust preferred security is redeemed at the end of its term. The size of the issue 31 designates the total value of the trust preferred securities when originally sold..
[0027] The current yield 32 is the amount of the annual dividend divided by the most recent offered price of the security. The yield to call 33 is based on the annual dividend, the discount or premium to the call price, the current �offered� price of a trust preferred security and the length of time to the call date. As the price of the underlying security varies daily or over short periods of time the yield to call will also vary. As the yield to call exceeds the issuer's cost of capital the possibility that the security may be called prior to its maturity date increases. The yield to maturity 34 is based on the annual dividend, the current �offered� price of the Trust Preferred Security, the discount or premium to the par value payable on the date of maturity of the security and the length of time to maturity.
[0028] Many investors may also seek additional information from the database in order to have as much detail as possible. Additional information that is available may include the Preferred CUSIP number 35, and the identity of the exchange 36 where the securities are traded. Some of the most important information that is sought from the databases includes the current bid price 37, the current offering price 38, the next call date 39, the number of days to the next call date 40, the call price 41, and the days to maturity 42. Also pertinent information from the data base may include the ratings of the security 43, if any, by any of the rating services. There may also be information desired concerning the financial characteristics of the issuer such as assets 44, the equity to assets ratio 45, the ratio of reserves to loans 46, the total dividend payout as a percent of net income 47, the return on assets 48, and the return on equity 49.
[0029] Once investors or potential investors have all or some of this information they can make informed decisions about a trust preferred security. Some investors may place greater weight on one factor compared to another, however, in making an investment decision. The present invention permits each investor to have all of the relevant information easily available in a format that allows for ready and meaningful comparisions.
[0030] The present invention is directed to a system and more preferably a computer network. The term computer network as used herein is used in its broadest sense i.e. as any configuration of data processing devices and software connected for information exchange. The present invention can include personal computers, personal digital assistants (PDA's), set top boxes used on or in connection with televisions, and any other type of appliance that can access a collection of data such as the Internet and visualize images.
[0031] In one embodiment the appliance can include a network that serves to connect together a plurality of devices, e.g., terminals, computers, etc. Networks typically comprise a plurality of devices such as computers some of which function as servers to provide services to the other computers connected to the network. There are many types of computer networks in existence. They are known by various names including Local Area Network (LAN), Wide Area Network (WAN), Internet and the like and may be implemented in accordance with a variety of known architectures.
[0032] Referring to FIG. 3, in one embodiment of the invention the data concerning trust preferred securities may be accessed by using a computer system 200 and accessing the information from the Internet, the world wide web, an Intranet or other sources. In accessing the relevant information using a computer system there is preferably a transaction between a standard web browser 212 running on a client workstation 210 and a web server application 222 running on a web server computer system 220 occurring over a connection (communication link or communication mechanism) 216. The client workstation 210 may be coupled to other computer systems via a local area network (LAN) or via any other type of computer network or other interconnection. Likewise, web server computer system 220 may be coupled to other computer systems as well. Client workstation 210 may be any computer that is capable of providing access to the Internet, the world wide web, an Intranet or other sources by using web browser 212. This would include handheld, portable or laptop computers, standard desktop computer systems, dumb terminals connected to a mainframe, etc.
[0033] Web browser 212 is a software program running on client workstation 210 that allows a user at client workstation 210 to communicate with other computers over connection 216. Web browser 212 would include any web browser, which is capable of transmitting and receiving data over the Internet, the world wide web, an Intranet or other sources. This includes commercial software applications such as IBM's WebExplorer, Internet Netscape Navigator, Microsoft Explorer, Apple Computer's CyberDog, and any other software application which now exists or which may be developed in the future for accessing or processing information over the Internet, the world wide web, an Intranet or other sources. The preferred embodiment for connection 216 is any suitable communication link or communication mechanism to the Internet, including a hardwired connection, telephone access via a modem or high-speed T1 line, infrared or other wireless communications, computer network communications (whether over a wire or wireless), or any other suitable connection between computers, whether currently known or developed in the future.
[0034] It should be noted that client workstation 210 and web server computer system 220 may be the same physical and/or logical computer system. Web browser 212 typically displays pages of data including but not limited to data in the form of HTML, XML, XHTML or their future incarnations to a user at client workstation 210. Other types of data (besides HTML) may also be transmitted to web browser 212, including text data, graphical data (e.g., Graphic Image Format (GIF) files), audio data or sound files (e.g., WAV files), Java applets (executable code) and a specialized data form known as Multipurpose Internet Mail Extensions (MIME) data (which may include combinations of the foregoing and other data types).
[0035] Web server application 222 is a software program running on web server computer system 220 that allows a user at client workstation 210 to access data bases or other information controlled by web server 220. Web server computer system 220 typically outputs pages of HTML data to WEB browser 212 in response to requests by web browser 212 that reflect action taken by the user at client workstation 210. In addition, as explained above, web server computer system 220 may output other types of data to web browser 212 as well. Output data may include static HTML pages (meaning that the content of the page does not vary), or may include data that must be dynamically determined and inserted into the output data. Web server application 222 may dynamically build output data (e.g, an HTML page) from parts that it retrieves from memory within web server computer system 220 or from other computer systems, or may simply pass through a page that has been constructed at an earlier time or by another computer.
[0036] Web browser 212 typically interacts with web server application 222 by transmitting input (e.g., a Uniform Resource Locator (URL) or an HTML page) over connection 216 to web server computer system 220. This input is typically transmitted using HyperText Transfer Protocol (HTTP) 1.0. Web server computer system 220 running web server application 222 receives the input from web browser 212, and in response, outputs data (e.g., an HTML page) to browser 212. Web server computer system 220 may also have numerous other software components, including Common Gateway Interface (CGI) programs or modules, for performing desired functions. The process described above illustrates a basic transaction over the Internet, recognizing that many details and variations that are within the scope of the present invention are not disclosed herein for the purpose of providing a simple context for understanding the concepts of the present invention.
[0037] In one embodiment of the invention, information concerning trust preferred securities can be obtained using a computer system and searching the Internet, the world wide web. an Intranet or other sources for data on the trust preferred securities. However, once the appropriate databases are identified, their location may be stored on the computer system for readily updating the data as necessary. Since many of the yields discussed above for the trust preferred securities vary over time due to price fluctuations, it may be necessary to calculate the yield at any given time. This can be performed manually or can be programmed into the computer system so that once the latest price is ascertained from the database, the various yields can be calculated.
[0038] Once the data has been accessed and obtained, the data can be placed in the form of a spreadsheet of the type shown in FIGS. 1 and 2 or may be presented in another form.
Referenced by
Original Image


text:
Another Life: The Arctic's icy foundations begin to shift
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Towards the end of February the light is creeping back across the Arctic, and that, at least, won't have changed. I can also assume, I think, that the(...)
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The wind above the cliffs of Dubhoileán Mór was dishevelling even for a peregrine, tugging so fiercely at the thatch of his wings that the usual trim (...)
Another Life: Airy as spindrift, sharp as knives – and at risk from warmer seas
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Airy as spindrift, sharp as knives, they flicker beyond the third wave in flashes of white light, plunge-diving for sand eels. Their courtship is an a(...)
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text:
Sermon Search Results for Singing Praise
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Results: 24 Sermons
Why would the Wise Men travel so far, at such expense, and over dangerous roads? Jesus wasn't "their" King was He? And what can we learn from how they responded to Jesus wasn't they arrived?
Series: Living Like Jesus
Scripture: Matthew 2:1-2:12
Shared: 12/22/2013
Deborah was one of the great "she-roes" of God. What was it about her that made her a heroine in the book of Judges and what is it about her faith that got God's attention?
Series: God Can Use Anyone
Scripture: Judges 4:1-4:9
Shared: 11/30/2014
God's promises should cause us to praise Him.
Series: In it Together
Contributor: Brian Bill (510 sermons shared)
Scripture: Romans 15:8-15:13
Tags: Worship General, Promises Of God, Mercy, Praise, Gentile, [more]
Shared: 3/13/2011
Why sing? Isn't singing just for "singers"? And what if I don't like the songs? Do I have to sing anyway?
Series: Plan B
Scripture: Ephesians 5:19
Shared: 11/15/2009
It's the first song on record [not cd!]. And it's a song of salvation. Moses leads and all Israel echoes. Israel moves from PANIC to PRAISE! Link inc. to formatted text, audio, and PowerPoint.
Series: Out of Africa
Contributor: Jerry Shirley (670 sermons shared)
Scripture: Exodus 15:1-15:19
Tags: Sing, Worship, Glory To God, Moses, Worship General, [more]
Shared: 6/12/2008
Returning to Passionate, Creative, God-focused worship
Series: A Song of Praise
Contributor: Peter Langerman (10 sermons shared)
Denomination: Presbyterian/Reformed
Scripture: Exodus 15:1-15:21
Tags: Worship Purpose
Shared: 5/14/2003
Let me suggest some seasonal things for us to do. 1- 'Tis the season for singing 2- 'Tis the season for sharing 3- 'Tis the season for serving
Series: Christmas
Contributor: Steve Shepherd (725 sermons shared)
Scripture: Psalms 5:11
Shared: 12/7/2010
We can't help but sing when we see God's plan of salvation.
Series: Songs of Christmas
Contributor: Brian Bill (510 sermons shared)
Scripture: Luke 1:67-1:79
Tags: Zechariah, Praise, Sing, Christmas, Christmas Advent
Shared: 12/4/2011
Paul writes to the Church at Ephesus that we are to sing songs of thanksgiving and give thanks to God for everything.
Contributor: Horace Wimpey (149 sermons shared)
Scripture: Ephesians 5:19-5:20
Shared: 11/22/2013
We are to make a joyful noise unto the Lord. When we worship we should sing praises to God, glorifying Him and honoring His Name. Music is a channel of divine blessing, comfort and strength. Even in the depths of suffering, we can turn our hearts and v
Contributor: Rich Anderson (81 sermons shared)
Denomination: Christian Church
Scripture: Colossians 3:16
Shared: 2/13/2011


text:
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STUMPS: Yorkshire fail to cross Jordan as Sussex take control10-Apr-2013
Sussex bowled Yorkshire out for only 96 on the first day of their opening LV=County Championship clash at Headingley today. And they also back..read more »
PREVIEW: Sussex name squad for trip to Yorkshire09-Apr-2013
Sussex begin their 2013 LV=County Championship Division One campaign tomorrow when they take on Yorkshire at Headingley, in an 11.00am start. ..read more »