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Search Result
Search Tags: Michelle Obama
First lady: More research on veterans medical care
First Lady on Base
Tags: management , military
First lady Michelle Obama - the secret shopper
Michelle Obama says her trip to Target isn't the first time she's done some undercover shopping as first lady.
White House sets date for annual easter egg roll
The President and First Lady have announced the date of this year's annual White House Easter Egg Roll.
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First Lady to observe how soldiers stay fit
First Lady Michelle Obama will learn about new soldier training at Ft. Jackson.
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16 agencies sign on to help military families
Caring for the families of military personnel requires a coordinated approach across the federal government, President Obama said Monday. He said agencies have made 50 separate commitments to coordinate programs designed to assist the loved ones of servicemembers.
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President Obama, local youth heed MLK day of service
President Obama honored the legacy of Martin Luther King Jr. on Monday by participating in a painting project at a school on Capitol Hill.
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Obama administration's Veterans Day plans
The Washington Post reports on what the administration's top officials are doing to mark Veterans Day.
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Fenty asks White House for endorsement
Trailing in the polls less than a week from election day, D.C. Mayor Adrian Fenty is asking for help from the White House.
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Michelle Obama addresses D.C. grads
Michelle Obama told a group of high school graduates in Washington to pat themselves on the back.
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ORANGE – Every day before work and school, Joey Robinson was up early riding his bike.
Cycling had been the 21-year-old Irvine resident's passion for the past few years, said his mother, Valerie DuBois. He found community with other riders and worked at local bike shops. With the business degree he was working toward at Irvine Valley College, he hoped to open his own store one day.
"It all just came together for him," she said.
Robinson was riding on the shoulder of Santiago Canyon Road near Loma Ridge around 7 a.m. Sunday when a speeding southbound driver struck him during an unsafe turn, according to the California Highway Patrol. He was thrown from his bike and pronounced dead when paramedics arrived. The driver, identified as 18-year-old Sommer Gonzales, was arrested after she fled the scene.
On Monday, Jax Bicycle Center in Irvine placed a white "ghost bike" where Robinson died. He had worked in sales at the shop since November and had previously been a bike mechanic at a Costa Mesa store. His co-workers planned a memorial ride for Wednesday.
"He just loved what he did," DuBois said. "I have to take that with me."
As the driver of a 2001 Toyota went south on Santiago Canyon Road, Orange County Fire Authority Battalion Chief Marc Stone was going north to begin his shift at a Westminster fire station.
He spotted the car's caved-in, smashed windshield as it passed
Thinking the driver had perhaps hit a deer, he slowed down in case the wounded animal wandered onto the road again.
But this was Stone's regular Sunday morning commute, and he knew bicyclists frequent the scenic road on weekend mornings.
"My gut instinct was just, 'No one drives with a crunched-up windshield like that,'" he said. "I kept thinking, 'Who would keep driving after hitting a person?'"
He slowed down, and about three minutes later saw tumbleweed against the guardrail, damaged and smashed as if someone had hit them.
That's when he saw a black bicycling shoe sitting on the road, next to the tumbleweed.
"Please tell me it isn't so," he said to himself
He stopped, got out of his car, and saw the body on the other side of the guardrail – out of sight from drivers and other bicyclists on the road.
Stone checked the man's pulse and called 911, giving a rough description of the car.
Information about the damaged Toyota went out to officers in the area. Not long after, an Orange County sheriff's deputy on patrol spotted the vehicle in a parking lot at Santa Margarita Parkway and Plano Trabuco Drive, said Officer Florentino Olivera of the California Highway Patrol. There, Gonzales had met a friend who was helping her remove belongings from the Toyota, Olivera said.

subset: commoncrawl


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Thursday night's lines
|09.23.10 at 5:13 pm ET
According to Kevin Wozniak of Let's go Amerks, the lines for Thursday night's preseason game between the Bruins and Panthers are as follows (notice a couple of old friends in the Florida lineup):
Milan Lucic ' David Krejci ' Brad Marchand
Jared Knight ' Zach Hamill ' Shawn Thornton
Jeff LoVecchio ' Joe Colborne ' Michael Ryder
Lane MacDermid ' Jamie Arniel ' Kirk MacDonald
Zdeno Chara ' Nathan McIver
Mark Stuart ' Steve Kampfer
Jeff Penner ' Andrew Ference
Nolan Schaefer
Tuukka Rask
David Booth ' Stephen Weiss ' Michael Frolik
Christopher Higgins ' Steven Reinprecht ' Cory Stillman
Kenndal McArdle ' Marty Reasoner ' Byron Bitz
Andrew Peters ' Adrian Foster ' Bill Thomas
Bryan Allen ' Erik Gudbranson
Bryan McCabe ' Dimtry Kulikov
Keaton Ellerby ' Dennis Wideman
Tomas Vokoun
Tyler Plante
Also, the Bruins won't have 97th overall pick Craig Cunningham playing in their system this season. Currently at 48 of 50 allowed contracts and over the cap, the Bruins elected not to sign Cunningham, who will return to captain the Vancouver Giants of the WHL. The team has until June 1, 2011 to get a deal done before they lose the 20-year-old's forward's rights.
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- Looking at Bruins Defensive Pairings Without Chara


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Do you smell what the Rock is cooking?
So I'm undertaking the questionable but personal challenge of writing the lengthiest, most elaborate reviews possible for the entire Mega Man ennealogy. An "ennealogy" refers to a series of nine, according to random strangers on Yahoo Answers. My motivations for bothering with such a primitive series that makes so few changes from installment to installment? Because each game is short enough to beat in a few hours tops. Because I'm somewhat of a Mega Man fanboy. Because it pads out my review number count in a very cheap manner. And because there is oodles and oodles of fun to be had.
Like all great 8-bit games, Mega Man has a story that only makes itself present when the player beats the game and receives a congratulatory still image and text message. This is my impression of the canon storyline for Mega Man 1, based largely on the flabbergasting children's cartoon; Dr Light created a series of advanced robots out of the kindness of his heart and beard to help mankind. But his jealous Harvard roommate, Dr Wily, steals six of them and makes them evil for his plans of world domination. To stop the wacky-haired Wily, Dr Light turns his pansy manservant robot, oddly named "Rock", into the mighty robot warrior Rockman….errr, I mean Mega Man!
And my what wonderful robots Dr Light has created! Time for a roll call of the six robot creations-turned-evil robot masters.
Cut Man: He's a robot with a giant pair of oversized safety scissors on his head. I've been lead to believe that Cut Man was designed to be a high-tech forester. Clearly, Dr Light has no idea of the implications his creations could have on the economy, with the many, many laborers in the lumber industry poised to lose their jobs when the Cut Man unit hits the assembly line.
Bomb Man: Unless Dr Light secretly harbors terrorism, then its safe to assume Bomb Man was intended to be a demolitions robot, capable of pulling an infinite supply of explosives out of his ass. I can also believe that Dr Light designed Bomb Man under contract to the Acme corporation, because his weapon of choice are the black spherical cartoon bombs that detonate by wick or only when Wile E. Coyote holds them.
Fire Man: No, he doesn't sport a hose, a fire helmet and sexy suspenders. His hands are flamethrowers, and the only practical use I can think of for Fire Man is as either an advanced cremation robot or a weapon to use in Vietnam, 100X years too late. And what's the strategic purpose of having a mini-fire on top of his head?
Guts Man: Sadly, his superpower isn't the ability to hurl internal organs at his enemies. No, one can quickly assume by his appearance that Guts Man was designed to be the construction worker of the future. Once again, Dr Light threatens the global workforce by rendering human construction workers obsolete. Computers continue to take the jobs of honest, hard-working Americans.
Ice Man: He throws shards of frozen death. And the guy's so small that I'm sure most people can take him in a fight. Forget Mega Man, Ice Man should worry about the schoolyard bully. My original belief was that Ice Man was designed to be a futuristic…refrigeration robot? But I've since been told that Ice Man was designed as an "arctic exploration robot", which is as close to an explanation as I can think of as to why a robot would need a parka. But what use does an "arctic exploration robot" have for throwing icicles? Where he's going, using ice as a weapon is like throwing urine at T-1000.
Elec Man: The very first time I heard the name "Elec Man," I assumed that he was some kind of evil master of the electoral process and battled Mega Man by throwing ballets of doom. No, he's the more predictable master of electricity. And he may as well be Dr Light's most ingenious creation; a walking source of perpetual energy! That's right kids, Dr Light has solved the world's energy crisis with a single machine, and it's both bipedal and wearing spandex to boot.
All nine Mega Man platformer games follow a slight variation of the same chemical formula for platform shooting hijinks. Mega Man is a robot capable of running, jumping, climbing ladders and shooting his Trademark Yellow Dot Gun…but only horizontally. For all of perpetual energy sources advanced deforestation techniques that Dr Light has created, he was never able to digitally recreate movable joints. Thus, Mega Man can only look directly in front of him, and can't point his gun anywhere but in a line parallel to the ground. I would not trust this robot behind the wheel. But gosh darnit, at least Dr. Light can claim mastery over the orbicularis oculi and levator palpebrae superioris muscles, for Mega Man can blink! Why a robot needs to blink, I do not know. Why does a robot need a parka?
Before you get to the platform jumping and non-angled shooting, you choose which robot master's stage you'd like to attempt, rather than progressing through a pre-ordained series of levels. Other games like the recent Prince of Persia update failed at attempting the same concept because it eliminates the gradually increasing slope of difficulty that keeps the player feeling tested. But the choose-your-own-path approach works with Mega Man because, well, all of the levels are all so damn hard to an uninitiated player that the option to give up and try your luck can feel a bit appeasing.
And what challenging stages they can be. The construction stage requires Mega Man to leap on small, moving platforms on top of a Grand Canyon-caliber bottomless pit, having to leap in the air during parts of the track where the platforms drop down. (Going back to "no joints", you can't possibly expect Mega Man to grab a ledge with his hands.) Some of the actual "enemies" in the game include miniature gun turrets and Roombas modified with spikes and evil intent, all of which are too short to be hit by Mega Man's inability to point his gun at a 45 degree angle. And who could forget the teleporting blocks. Who doesn't want to forget them? For a select few segments, a series of blocks will appear and disappear, two at a time, above some kind of pit that may or may not be bottomless. To overcome this peril, the player must study the teleportation patterns of the blocks in order to determine when and where to make leaps of faith. These segments always struck me as annoying, yet they became some kind of grand franchise tradition that must appear in every freaking Mega Man game!
Fortunately for Mega Man 1, a hidden power-up allows the player to create temporary, badly-flickering-for-some-reason platforms to help navigate difficult sequences. It's helpful, but it's begging for a seizure.
At the end of each stage awaits the reprogrammed evil robot master. Each of them follow some kind of basic pattern that the player would pick up on and subsequently turn against them if not for the gosh-darned life limit that thrusts the player back to the start of a level after enough deaths. But once you defeat one boss, you earn the ability to use his special gimmick weapon. Some of these are obscenely overpowered (Elec Man's perpetual electricity gun fires large screen-filling blasts of energy in 3 directions, great for destroying the evil spiked Roombas) while some are obscenely useless (Bomb Man's Acme bombs take about 5 seconds to detonate. Any robot master you try using these against will laugh at your flawed strategy by kindly walking away from each projectile.) However, each of the robot masters will clench their chests, kneel forward and DIE when presented to one specific weapon. If you're like us back in the late 80s, you could try and discover each robot's weakness through a long and drawn out trial-and-error process of replaying each level hoping that your newly acquired flamethrower will quickly thaw out Ice Man (shockingly, it doesn't), or you can just look up the answers on the internet.
Once you've completed the six robot master stages, there's a set of levels leading up to the final battle with Wily. Along the way, you'll battle all six of the previous bosses in two mini-gauntlets, a few anti-climatic new bosses (like the weird submarine…thing) as well as the Brock Lesnar of pattern-memorization-based boss fights, the blob-like Yellow Devil. Who in retrospect may be the walking incarnation of my T-1000/urine joke.
Generally speaking, the biggest issue with Mega Man 1 is that it feels a bit primitive compared to other games, and that's like calling one specific kid in Caveman class that he's "special". The next 8 Mega Man games have 8 beautiful stallions for robot bosses instead of 6, and are set in levels that are longer and feel more refined. As helpful as the stroke-inducing platform gun is, it's not missed in comparison to the other platforming aides seen in later games such as the manservant Rock's manservant dog Rush. And if you're playing the dirty NES version with its extra dirty box art, then you've got no password system or in-game save to cover your backside when your unplugs the system and enforces curfew. The one notch that Mega Man 1 has over its successors? It's the only game in a franchise with a points system. Capcom quickly realized that nobody gives a damn about points and dropped it since.
It's the least polished Mega Man game in the set, largely by default of being the first. But even with that in mind, there is still some decent and challenging jumping and horizontal gunning to be had. If you do find yourself intrigued by other games in the series, than this one is worth playing if just for historical perspective. Finally, a note on some of your options for playing Mega Man 1. You could fork over a lofty sum on eBay and buy an NES cart with its dirty box art if you're so damn focused on getting the most original experience possible. Or, you can spend about $10 on the Wii Virtual Console, get Mega Man 1 and still have enough Wii points to buy another game (like, say, Mega Man 2?) Or, the smartest option in my book would be to go hunting from game store to game store until you a copy of Mega Man Anniversary Collection for the PS2, Gamecube or big-ass-green-Xbox, which includes this and the next 7 games. Finally, the most questionable and yet the strongest option would be "Mega Man: Powered Up", a PSP remake that Treehouse-TVifies the cast with big heads and huge, adorable eyes…but also revamps the game. Included is a level editor, playable evil robot masters and Dr Light's greatest creation, Time Man! A robot that can freeze the very course of time! That's a game that begs to be played in a chemically-altered state.
3 ½ stars


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Quotes & Info
|ACNB > SEC Filings for ACNB > Form 10-Q on 2-Nov-2012
|All Recent SEC Filings
Quarterly Report
The following is management's discussion and analysis of the significant changes in the financial condition, results of operations, comprehensive income, capital resources, and liquidity presented in its accompanying consolidated financial statements for ACNB Corporation (the Corporation or ACNB), a financial holding company. Please read this discussion in conjunction with the consolidated financial statements and disclosures included herein. Current performance does not guarantee, assure or indicate similar performance in the future.
Forward-Looking Statements
In addition to historical information, this Form 10-Q contains forward-looking
statements. Examples of forward-looking statements include, but are not limited
to, (a) projections or statements regarding future earnings, expenses, net
interest income, other income, earnings or loss per share, asset mix and
quality, growth prospects, capital structure, and other financial terms,
(b) statements of plans and objectives of management or the Board of Directors, and (c) statements of assumptions, such as economic conditions in the Corporation's market areas. Such forward-looking statements can be identified by the use of forward-looking terminology such as "believes", "expects", "may", "intends", "will", "should", "anticipates", or the negative of any of the foregoing or other variations thereon or comparable terminology, or by discussion of strategy. Forward-looking statements are subject to certain risks and uncertainties such as local economic conditions, competitive factors, and regulatory limitations. Actual results may differ materially from those projected in the forward-looking statements. Such risks, uncertainties and other factors that could cause actual results and experience to differ from those projected include, but are not limited to, the following: the effects of new laws and regulations, specifically the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act; ineffectiveness of the business strategy due to changes in current or future market conditions; the effects of economic deterioration on current customers, specifically the effect of the economy on loan customers' ability to repay loans; the effects of competition, and of changes in laws and regulations on competition, including industry consolidation and development of competing financial products and services; interest rate movements; the inability to achieve merger-related synergies; difficulties in integrating distinct business operations, including information technology difficulties; disruption from the transaction making it more difficult to maintain relationships with customers and employees, and challenges in establishing and maintaining operations in new markets; volatilities in the securities markets; and, deteriorating economic conditions. We caution readers not to place undue reliance on these forward-looking statements. They only reflect management's analysis as of this date. The Corporation does not revise or update these forward-looking statements to reflect events or changed circumstances. Please carefully review the risk factors described in other documents the Corporation files from time to time with the Securities and Exchange Commission, including the Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and any Current Reports on Form 8-K.
The accounting policies that the Corporation's management deems to be most important to the portrayal of its financial condition and results of operations, and that require management's most difficult, subjective or complex judgment, often result in the need to make estimates about the effect of such matters which are inherently uncertain. The following policies are deemed to be critical accounting policies by management:
The allowance for loan losses represents management's estimate of probable losses inherent in the loan portfolio. Management makes numerous assumptions, estimates and adjustments in determining an adequate allowance. The Corporation assesses the level of potential loss associated with its loan portfolio and provides for that exposure through an allowance for loan losses. The allowance is established through a provision for loan losses charged to earnings. The allowance is an estimate of the losses inherent in the loan portfolio as of the end of each reporting period. The Corporation assesses the adequacy of its allowance on a quarterly basis. The specific methodologies applied on a consistent basis are discussed in greater detail under the caption, Allowance for Loan Losses, in a subsequent section of this Management's Discussion and Analysis of Financial Condition and Results of Operations.
The evaluation of securities for other-than-temporary impairment requires a significant amount of judgment. In estimating other-than-temporary impairment losses, management considers various factors including the length of time the fair value has been below cost, the financial condition of the issuer, and the Corporation's intent to sell, or requirement to sell, the securities before recovery of their value. Declines in fair value that are determined to be other than temporary are charged against earnings.
Accounting Standard Codification (ASC) Topic 350, Intangibles - Goodwill and Other, requires that goodwill is not amortized to expense, but rather that it be tested for impairment at least annually. Impairment write-downs are charged to results of operations in the period in which the impairment is determined. The Corporation did not identify any impairment of its recorded goodwill from its most recent testing, which was performed as of December 31, 2011. If certain events occur which might indicate goodwill has been impaired, the goodwill is tested for impairment when such events occur. The Corporation has not identified any such events and, accordingly, has not tested goodwill for impairment during the nine months ended September 30, 2012. During the quarter ended June 30, 2012, the Corporation changed its method of applying ASC 350 such that the annual goodwill impairment testing date will be changed from December 31 to October 1. This new testing date is preferable in the circumstances, because it will allow the Corporation more time to accurately complete its impairment testing process in order to incorporate the results in its annual consolidated financial statements and timely file those statements with the Securities and Exchange Commission in accordance with its accelerated filing requirements. Other acquired intangible assets with finite lives, such as customer lists, are required to be amortized over the estimated lives. These intangibles are generally amortized using the straight line method over estimated useful lives of ten years.
Quarter ended September 30, 2012, compared to quarter ended September 30, 2011
Executive Summary
Net income for the three months ended September 30, 2012, was $2,304,000 compared to $2,180,000 for the same quarter in 2011, an increase of $124,000 or 6%. Earnings per share was $0.39 in 2012 and $0.37 in 2011. Net interest income decreased $17,000, or less than 1%, as decreases in interest income were not entirely matched by decreases in interest expense. Provision for loan losses decreased $75,000, or 6%, based on the adequacy analysis of the allowance for loan losses at the end of each period. Other income increased $90,000, or 3%, due to higher quarter-over-quarter fees from sold mortgages, but which remain lower year-over-year. Other expenses decreased $6,000, or less than 1%, due to cost savings in a variety of categories offsetting increased full-time equivalent employees and higher pension expense.
Net Interest Income
Net interest income totaled $8,541,000 for the quarter ended September 30, 2012, compared to $8,558,000 for the same period in 2011, a decrease of $17,000 or less than 1%. Net interest income decreased due to a decrease in interest income to a greater degree than the decrease in interest expense, both resulting from reductions in market rates associated with the continued low rates maintained by the Federal Reserve Bank. Interest income decreased $354,000, or 3%, due to declines in the Federal Funds Target Rate and other market driver rates. These driver rates are indexed to a portion of the loan portfolio in that a decrease in the driver rates decreases the yield on the loans at subsequent interest rate reset dates. In this manner, interest income will continue to decrease as new loans replace paydowns on existing loans and variable rate loans reset to new lower rates. In addition, interest income was lower as a result of investment securities paydowns that were reinvested at much lower market rates resulting from uneven domestic and even worse European economic conditions, compounded by Federal Reserve Bank buying activities. A significant share of earning assets was left in short-term money market type accounts because of the interest rate risk and liquidity tolerances set for the current mix of deposit funding sources. As to funding costs, alternative funding sources, such as the Federal Home Loan Bank (FHLB), and other market driver rates are factors in rates the Corporation and the local market pay for deposits. However, during the third quarter of 2012, several of the core deposit rates continued at practical floors after the Federal Open Market Committee decreased the Federal Funds Target Rate by 400 basis points during 2008 and has maintained it at 0% to 0.25% since that time.
Interest expense decreased $337,000 or 18%. For more information about interest rate risk, please refer to Item 7A - Quantitative and Qualitative Disclosures about Market Risk in the Annual Report on Form 10-K for the fiscal year-ended December 31, 2011, and filed with the SEC on March 12, 2012. Over the longer term, the Corporation continues its strategic direction to increase asset yield and interest income by means of loan growth and rebalancing the composition of earning assets.
The net interest spread for the third quarter of 2012 was 3.38% compared to 3.46% during the same period in 2011. Also comparing the third quarter of 2012 to 2011, the yield on interest earning assets decreased by 0.29% and the cost of interest bearing liabilities decreased by 0.20%. The net interest margin was 3.49% for the third quarter of 2012 and 3.62% for the third quarter of 2011. The net interest margin decline was mainly a result of the rate of decline in the yield on assets decreasing to a greater degree than the decline in funding rates due to rates approaching practical floors on deposits as described above.
Average earning assets were $973,736,000 during the third quarter of 2012, an increase of $33,171,000 from the average for the third quarter of 2011. Average interest bearing liabilities were $824,804,000 in the third quarter of 2012, an increase of $38,331,000 from the same quarter in 2011.
Provision for Loan Losses
The provision for loan losses was $1,125,000 in the third quarter of 2012 compared to $1,200,000 in the third quarter of 2011, a decrease of $75,000 or 6%. The decrease was a result of analysis of the adequacy of the allowance for loan losses; however, this decrease is not necessarily indicative of future provisioning. Each quarter, the Corporation measures risk in the loan portfolio compared with the balance in the allowance for loan losses and the current evaluation factors. For more information, please refer to Allowance for Loan Losses in the following Financial Condition section of this Management's Discussion and Analysis of Financial Condition and Results of Operations. ACNB charges confirmed loan losses to the allowance and credits the allowance for recoveries of previous loan charge-offs. For the third quarter of 2012, the Corporation had net charge-offs of $454,000, as compared to net charge-offs of $488,000 for the third quarter of 2011.
Other Income
Total other income was $2,972,000 for the three months ended September 30, 2012, up $90,000, or 3%, from the third quarter of 2011. Fees from deposit accounts increased by $27,000, or 4%, due to higher volume as the fee schedules did not change. Certain government regulations effectively limit fee assessments related to deposit accounts, making future revenue levels uncertain. Revenue from ATM and debit card transactions increased 1% to $323,000 due to higher volume. The increase resulted from consumer desire to use more electronic delivery channels; however, regulations or legal challenges for large financial institutions may impact industry pricing for such transactions in future periods, the effect of which cannot be currently quantified. Income from fiduciary activities, which include both institutional and personal trust management services, totaled $288,000 for the three months ended September 30, 2012, as compared to $323,000 during the third quarter of 2011, an 11% decrease as a result of lower estate fee income in the third quarter of 2012 and lower assets under management. Estate fee income is inherently sporadic in nature. Earnings on bank-owned life insurance increased by $11,000, or 5%, as a result of increased investment in this asset. In addition, a gain on life insurance proceeds during the quarter added another $63,000 to income. The Corporation's wholly-owned insurance subsidiary, Russell Insurance Group, Inc. (RIG), earned revenue of $1,133,000 this quarter, down from $1,186,000 for the same quarter in 2011. This decrease was due in part to variations in billings, but in the longer term revenue is down due to a "soft" insurance market and the effects of the prolonged economic slowdown on business clients. Other income in the quarter ended September 30, 2012, was higher due to fees related to sales of residential mortgages in 2012, but which continue to be at a lower volume in 2012 compared to 2011.
Impairment Testing
RIG has certain long-lived assets including purchased intangible assets subject to amortization, such as insurance books of business, and associated goodwill assets, which are not amortized but instead reviewed for impairment annually or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset.
If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount in which the carrying amount of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the consolidated statements of condition and reported at the lower of the carrying amount or fair value less costs to sell, and are no longer depreciated. Goodwill, that has an indefinite useful life, is evaluated for impairment annually and is evaluated for impairment more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset's fair value. In September 2011, the FASB issued ASU 2011-08, Testing Goodwill for Impairment. The purpose of this ASU is to simplify how entities test goodwill for impairment by adding a new first step to the preexisting goodwill impairment test under ASC Topic 350, Intangibles - Goodwill and Other. This amendment gives the entity the option to first assess a variety of qualitative factors such as economic conditions, cash flows, and competition to determine whether it was more likely than not that the fair value of goodwill has fallen below its carrying value. If the entity determines that it is not likely that the fair value has fallen below its carrying value, then the entity will not have to complete the original two-step test under Topic 350. If the entity determines that it is more likely than not that the fair value has fallen below its carrying value, then the goodwill impairment analysis is a two-step test. The first step, used to identify potential impairment, involves comparing each reporting unit's estimated fair value to its carrying value, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying value, goodwill is considered not to be impaired. If the carrying value exceeds the estimated fair value, there is an indication of potential impairment and the second step is performed to measure the amount of impairment. If required, the second step involves calculating an implied fair value of goodwill for the reporting unit for which the first step indicated potential impairment. The implied fair value of goodwill is determined in a manner similar to the amount of goodwill calculated in a business combination, by measuring the excess of the estimated fair value of the reporting unit to a group of likely buyers whose cash flow estimates could differ from those of the reporting entity, as determined in the first step, over the aggregate estimated fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. Subsequent reversal of goodwill impairment losses is not permitted. ACNB performs an annual evaluation to determine if there is goodwill impairment related to RIG. For the year ended December 31, 2011, compared to 2010, commissions from insurance sales decreased by 3%, while agency expenses decreased by 8%. RIG's stand-alone net income increased by 50% in 2011 compared to 2010. Since the testing for potential impairment involves methods that include current and projected income amounts as well as market average multiples paid for similar agencies, the fair value increased at December 31, 2011, as compared to previous years' impairment testing results.
The results of the annual evaluations determined that there was no impairment of goodwill, including the testing at December 31, 2011. However, future declines in RIG's net income or changes in external market factors, including cash flow estimates of likely buyers that are assumed in impairment testing, may require an impairment charge to goodwill. A liability incurred at year-end 2011 for contingent consideration owed on the previous purchase of another insurance agency did not unfavorably impact the fair value of RIG. Should it be determined in a future period that RIG goodwill has been impaired, then a charge to earnings will be recorded in the period such determination is made.
During the quarter ended June 30, 2012, the Corporation changed its method of applying ASC 350 such that the annual goodwill impairment testing date will be changed from December 31 to October 1. This new testing date is preferable in the circumstances, because it will allow the Corporation more time to accurately complete its impairment testing process in order to incorporate the results in its annual consolidated financial statements and timely file those statements with the Securities and Exchange Commission in accordance with its accelerated filing requirements.
Other Expenses
The largest component of other expenses is salaries and employee benefits, which increased by $294,000, or 7%, when comparing the third quarter of 2012 to the same quarter a year ago. Overall, the net increase in salaries and employee benefits was the result of:
� increases from normal promotion and production-based incentive/bonus compensation to employees;
� an increase in the number of full-time equivalent employees, including those hired for the opening of a new retail banking office;
� increased payroll taxes including higher unemployment tax assessments; � increased costs associated with employee benefit plans; and, � increased defined benefit pension expense, which is up by $142,000
The Corporation's overall pension investment strategy is to achieve a mix of investments to meet the long-term rate of return assumption and near-term pension obligations with a diversification of asset types, fund strategies, and fund managers. The mix of investments is adjusted periodically by retaining an advisory firm to recommend appropriate allocations after reviewing the Corporation's risk tolerance on contribution levels, funded status, plan expense, as well as any applicable regulatory requirements. However, the determination of upcoming benefit expense is also dependent on the expected return on assets and the discount rate on the year-end measurement date; specifically, with low discount rates and fair value volatility, the expense can be negatively impacted by conditions on that particular measurement date. The Corporation amended the defined benefit pension plan effective April 1, 2012, in that no employee hired after March 31, 2012, shall be eligible to participate in the plan and no inactive or former plan participant shall be eligible to again participate in the plan. In addition, a pension provision in a public law known as MAP-21, enacted in July 2012, will have no effect on reducing the GAAP expense associated with the pension plan in upcoming periods as the ACNB plan has had in the past and continues to have well-funded status.
Net occupancy expense decreased by $18,000, or 4%, due to lower preventative maintenance costs. Equipment expense decreased by $78,000, or 12%, as a result of fewer replacement equipment and software purchases in 2012 compared to 2011.
Professional services expense totaled $186,000 during the third quarter of 2012, as compared to $267,000 for the same period in 2011, a decrease of $81,000 or 30%. The decrease was due to timing on outsourced engagements and the migration of certain expenses to the foreclosed real estate category.
Marketing and corporate relations expenses decreased by $56,000, or 46%, in the third quarter of 2012 compared to the same period of 2011. Lower marketing expense in 2012 reflected varying levels of outsourced advertising production and media expenditures in accordance with the marketing plan, which included support for the opening of a new retail banking office in 2011.
FDIC and regulatory expense for the third quarter of 2012 was $189,000, a decrease of $36,000 from the third quarter of 2011. The decrease was due in part to improved risk ratings. Over the last several years, much higher expense was required of all FDIC-insured banks to restore the deposit insurance fund due to the cost of protecting depositors' accounts at failed banks during the severe recession. At the end of the third quarter of 2009, the FDIC announced a plan in which most banks prepaid an estimated three years of regular quarterly premiums at year-end 2009, as opposed to a special assessment similar to which was levied on all insured banks in the second quarter of 2009. The prepaid assessments did not immediately affect ACNB earnings. ACNB recorded its prepaid assessments as a prepaid expense (an asset) as of December 30, 2009, in the amount of $3,956,000, the date the payment was made. For the quarter ended December 31, 2009, and each quarter thereafter, each institution records an expense for its regular quarterly assessment and an offsetting credit to the prepaid expense until the asset is exhausted. Once the asset is exhausted, the institution will record an accrued expense payable each quarter for the assessment payment, which would be made to the FDIC at the end of the following quarter. Even though an estimated premium is prepaid under this plan, the actual expense will vary based on several factors and risk ratings.
Foreclosed assets held for resale consists of the fair value of real estate acquired through foreclosure on real estate loan collateral or the acceptance of ownership of real estate in lieu of the foreclosure process. Fair values are based on appraisals that consider the sales prices of similar properties in the proximate vicinity less estimated selling costs. Foreclosed real estate expenses were $116,000 and $251,000 for the quarters ended September 30, 2012 and 2011, respectively. The 2012 expense was lower due to the sale of a property at a gain; whereas, 2011 expense was higher due to a write-down in value based on a new listing price. Nevertheless, foreclosed assets held for resale expenses are projected to remain high in 2012 due to the existing inventory of properties and projected additions based on information derived from the estimation process of the allowance for loan losses. Net gains on properties sold in October 2012, however, are expected to offset a substantial portion of the entire 2012 expense.
Other tax expenses increased by $11,000, or 5%, due to a state shareholders' equity-based tax that increases annually regardless of income. Supplies and postage decreased by $22,000, or 13%, due to timing on postage expenditures. Other operating expenses increased by $115,000, or 16%, in the third quarter of 2012, as compared to the third quarter of 2011. The increases included the cost of improved data lines to facilitate more electronic commerce.
Provision for Income Taxes
The Corporation recognized income taxes of $592,000, or 20.4% of pretax income, during the third quarter of 2012, as compared to $562,000, or 20.5% of pretax income, during the same period in 2011. The variances from the federal statutory rate of 34% in both periods are generally due to tax-exempt income (from investments in and loans to state and local units of government at below-market rates, an indirect form of taxation) and investments in low-income housing partnerships which qualify for federal tax credits. The income tax provision during the third quarters ended September 30, 2012 and 2011, included low-income housing tax credits of $139,000.
Nine months ended September 30, 2012, compared to nine months ended September 30, 2011
Executive Summary
Net income for the nine months ended September 30, 2012, was $6,668,000 compared to $6,746,000 for the same nine months in 2011, a decrease of $78,000 or 1%. Earnings per share was $1.12 in 2012 and $1.14 in 2011 for the respective nine month periods. Net interest income increased $33,000, or less than 1%, as the decrease in interest expense was slightly higher than the decrease in interest income. Provision for loan losses decreased $235,000, or 7%, based on the adequacy analysis of the allowance for loan losses at the end of each period. Other income increased $7,000, or less than 1%, due to a gain on life insurance proceeds. Other expenses increased $502,000, or 2%, due to higher full-time equivalent employees and higher pension expense offset by generally lower expenses including FDIC insurance.
Net Interest Income
Net interest income totaled $25,749,000 for the nine months ended September 30, 2012, compared to $25,716,000 for the same period in 2011, an increase of $33,000 or less than 1%. Net interest income increased due to a decrease in interest expense to a slightly greater degree than the decrease in interest income, both resulting from reductions in market rates associated with the continued low rates due to economic conditions and actions by the Federal . . .


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Mighty Switch Force!
Unlockable How to Unlock Alternate Title Screen Beat each of the 16 incidents under the par time. Mega Blaster Complete the game once.
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What do you think of false eyelashes? Love 'em? Too much?
I like them sometimes, but I wish I could apply them! No matter what trick or tip I use, it just takes me way too long to get one on. I really don't have enough time on my hands where I can spend the time practicing either!


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KOLKATA: Arguably the only iconic figure in Indian archery, Limba Ram, is set to begin a second innings as the National coach.
The 38-year-old chief coach of Rajasthan has been given the onerous task of guiding India's fortunes in the Commonwealth Games Delhi 2010 and the diminutive tribal has accepted the challenge with both hands.
In the city to oversee the ongoing compound bow preparatory camp, Limba said he was honoured by the appointment. He inked a one-year contract with the sports ministry on Wednesday before coming here.
Limba felt that the Indian archers had it in them to excel at international level. "Archery is an ancient Indian sport. It is being practiced in many forms especially in tribal belts and most of our archers are from those regions. They need to be groomed to take on the best in the world," he said.
"My immediate task is to mould the team to win medals at the Commonwealth Games at Delhi," he said. — Special Correspondent


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Resolution: standard / high
Figure 7.
NG2-positive cells were targeted by the Tbx4-lung enhancer driven Tet-On system. Lung tissue sections of the triple transgenic mice (Tbx4-rtTA/TetO-Cre/mT-mG) with different Dox induction as indicated were co-immunostained by GFP, NG2, and SMA or PECAM-1. (A) In the E18.5 lung of the triple transgenic mice with Dox induction from E6.5 to E18.5, NG2-positive cells, including SMA-positive vasculature smooth muscle cells and SMA-negative pericytes, were all marked by GFP expression, suggesting that these cells were targeted by the Tet-On system in fetuses. (B-C) With Dox induction at either mid-gestation (E11.5 to E15.5) or late gestation (E15.5 to E18.5), most NG-2 positive cells of the triple transgenic mouse lungs at E15.5 (B) or E18.5 (C) were positive for GFP. These NG2-positive cells were adjacent to PECAM-1 positive endothelial cells. Dox, doxycycline; E, embryonic day; PECAM-1, platelet endothelial cell adhesion molecule; SMA, α-smooth muscle actin.
Zhang et al. BMC Biology 2013 11:111 doi:10.1186/1741-7007-11-111


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Junior Black Cats
Junior Black Cats
#WearWinners Competitions
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One US fan explains how SAFC came into his heart.
Love affair from across the pond...View all Blogs
Social Media
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Keep up with the club through our social media pages.
Social MediaView all Social Media
Supporters' Groups
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A comprehensive list of SAFC supporters' groups.
Supporters' GroupsView all Supporters' Groups
Flying the red and white flag? Share your snaps with us!
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Supporting your team at the Stadium of Light.
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Recently, I had the opportunity to travel to various cities in Spain; including, Grenata. Grenata is home to the UNESCO World Heritage site of "the Alhambra". The Alhambra is a combination of both a fortress and a palace and it is located in the Andalusia region of Spain. Aside from many other significant historical aspects, the Alhambra plays a significant role in the judicial history of Spain. While it was originally constructed as a fortress in the year of 889, it was subsequently converted into a royal palace by Yusuf I, Sultan of Grenata, in or near 1333. A few of the significant architectural features of the Alhambra include the Court of the Vestibule, the Court of the Council Chamber and the Hall of Justice. It was in the Hall of Justice where the sultan served as both judge and arbiter for important cases in the region. Citizens of the Andalusion region could bring significant grievances or cases before the sultan for disposition. The Hall of Justice, in the Alhambra fortress, is where these hearings would take place. The sultan would have the large shutters closed where he could sit and listen to the parties and the cases without being seen. There were no side windows; but the roof was opened at the center. The entrance to the Hall of Justice was through an ornate courtyard.
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Official: Nuclear waste won't go to Nevada site
"That's true," Chu replied.
"Now we're going to have spent fuel sitting around in pools all over America," shot back McCain, who characterized the Obama position on nuclear waste – and its rejection of waste reprocessing – as a reflection of the administration's opposition to nuclear energy.
Chu said there were short-term answers other than Yucca, while a long-term solution to dealing with nuclear waste is developed.
"The interim storage of waste (at reactors), the solidification of waste, is something we can do today. The NRC has said we can do it safely," Chu said.
But killing the Yucca project may not be possible by presidential directive.
The federal government is obligated by law to accept the used reactor fuel from 104 commercial power reactors, but as yet it has no place to put it. The spent fuel, growing at the rate of 2,000 tons a year, is being held in pools and aboveground concrete containers at reactor sites.
There appear to be no immediate plans by the Energy Department to withdraw the Yucca Mountain license application that is pending at the NRC because to do so could trigger lawsuits from the nuclear industry. The NRC has up to four years to consider the application.
A report to Congress in December by the Bush administration, which strongly supported the Yucca Mountain project, dismissed suggestions that reactor waste be kept at temporary storage sites by the government. That would require Congress to change the law that singled out Yucca for nuclear waste.
On the Net:
Yucca Mountain: http://www.ocrwm.doe.gov/ym–repository/index.shtml


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About This Listing
Space where guests can cook their own meals
Central heating or a heater in the listing
In the building, free or for a fee
Space where guests can cook their own meals
Towels, bed sheets, soap, and toilet paper
Central heating or a heater in the listing
In the building, free or for a fee
In the building, free or for a fee
Continuous access in the listing
Breakfast is provided.
The listing can accommodate a gathering of 25 or more attendees
Easy access to the building and listing for guests in wheelchairs
Private or Shared
Free, in the building or nearby
Posted emergency information and resources
Included in the nightly price.
The Space
The apartment is located in the heart of the ancient Rome, in front of Romani Forum. It is located a stone's throw from the Colosseum, Circo Massimo and p.zza Venezia, and it is a few minutes walking from the characteristic of "Trastevere", the ancient Jewish district where you can enjoy a lot of good restaurant, pastry and bakery kosher . In this area you can find a nice and confortable SPA "Alma Mater" where you can enjoy any kind of massage and a typical turkish bath. At the end of the street there is one of the most famous farmer market of Rome, each week end you can go shopping with fresh produce and good prices directly from producers to consumers.
and right there, you can test your honesty by visiting and interviewing the mouth of truth! Every the maine attraction of the ancient Rome are very close to. The apartment is recently renovated and completely furnished air conditioner, Led TV, wi-fi, stereo, microwave, washing machine and hair dryer. Towels and sheets are furnished and included in the price as well the cleaning one time per week.
is the perfect place for visiting Rome alone, with family or friends.
105 Reviews
This place was fantastic!! Perfect location, great host, clear communication, and a modern apartment with all you need for a great stay in Rome. Thanks Lucca! :)
Luca was extremely easy to communicate with and very patient, he came to meet me early and then waited 40 minutes after I got lost. The apartment is in a fantastic location, and was clean and well equipped. It is a little smaller than it appears in the pictures, but that is not a complaint as it was very comfortable. I will definitely try to stay there again upon a return to Rome.
Wir kamen dank Lucas Angaben mit dem Bus gut zur Unterkunft, die in einer hübschen ruhigen Umgebung liegt. Im Zimmer lagen sogar Stadtpläne bereit wo die Sehenswürdigkeiten darauf eingezeichnet waren.
L'appartement est bien situé pour visiter Rome. Tout était propre et conforme aux photos. Ce n'est pas très grand, mais cela suffit pour 3 jours. L'appartement est bien équipé. Les propriaitaires répondent rapidement. Un petit reproche, c'est un peu bruyant parfois le matin.
Luca! Cheers for hosting us in your apartment. It was centrally located in the heart of Ancient Rome with access to all the amazing sights the city has to offer. We were greeted by Luca and he immediately gave us the tour and local recommendations.
The apartment was just as shown in the photos. It was also very clean and he provides us with the essentials to make sure our stay was pleasant.
Logement conforme à la description. Propre et bien situé.
We stayed in Rome for 4 nights, the apartment was exactly like on pictures, just a bit smaller than u would expect, although it didn't matter much, because the location is absolutely amazing, right in the heart of the city. Very clean and no problems with check-in or check-out. We didn't have a chance to meet Luca personally, but his father provided us with everything we needed. So we highly recommend this apartment for a short stay in Rome. Just watch out that it is really a great place and in case u want to extend your stay, it might be a problem. Thank you Luca!
This host has 287 reviews for other properties.View Other Reviews
About the Host, Luca
I'm a assistant professor in a private University in Rome my subject of studies is the contemporary european philosophy. I play water polo and tennis. I love Italian food and I know a lot of little and cheaps "osteria" in Rome. I like meet new people from ather countries to share different experriences of life and to improve my knowledge of english and french...


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Green Jade Disc Pendant Necklace
DuMi-- a new line of fashionable shapewear
LAF Brand: Roll-n-Go Diaper Caddy
Shabby Apple Launches iPhone Application, "Fit to Flatter"
Jockey Naturals Bamboo Cami and Bikini Set
Eco Chic Jewelry thats perfect for mom
Reaching beyond the boundaries of comics, graffiti, sketch, tattoo and digital art, the company uses the art of tattooing on clothing and accessories
Beginning Thanksgiving Day and carrying through to New Year's Eve Day, Silhouette is sponsoring a very special program entitled Share Your Holiday Vision.
Experience the indescribable lightness of Titan Minimal Art by Silhouette!
With the 4th of July right around the corner, it's the perfect month to think in shades of red, white and blue. But you don't have to drape yourself in an American flag to show your patriotic spirit.
Titillating Turbans - One Size, Two Pieces, Dozens of Looks!


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Ebola vaccine trial suspended over unexpected side effects
Posted: 12/11/2014 - One of several Ebola vaccine trials going on worldwide is temporarily halted due to health concerns
Posted: 12/11/2014 - One of several Ebola vaccine trials going on worldwide is temporarily halted due to health concerns
Posted: 12/09/2014 - Embassies in Afghanistan and Thailand issue warning after Senate report details harsh interrogation techniques used by the CIA
Posted: 11/24/2014 - Kentucky Sen. Rand Paul says the current war on ISIS is illegal until Congress authorizes it
Posted: 11/17/2014 - Saudi officials say the militant group is more of a threat than al Qaeda ever was; CBS News got rare access to see what they're doing to safeguard themselves
Posted: 11/11/2014 - As states impose quarantines on health care workers returning from West Africa, there's a renewed call for more people to go and help
Posted: 11/11/2014 - More than 72 hours after Abu Bakr al Baghdadi was reported injured in an airstrike, there are still no hard facts to confirm or deny
Posted: 11/11/2014 - The experimental roadways near Amsterdam will bring in 50-70 kilowatt hours of energy each year
Posted: 11/10/2014 - Reports that senior members of group killed or injured come as other jihadist groups begin pledging allegiance
Posted: 11/06/2014 - Those looking to join extremists in battle zones are hoping to bypass efforts to thwart them in Turkey, Interpol officials say
Posted: 11/04/2014 - The random incident took place as the team was boarding a bus after practice
Posted: 10/29/2014 - "I just ask any parent to look for what their kids are doing online," father of teenager who tried to travel to Syria says
Posted: 10/28/2014 - Believing beatings and rapes are justified by Islamic law, the militant group has shown a distinct disdain for women
Posted: 10/20/2014 - With flu season approaching, finding a fast and accurate screening method will become even more important
Posted: 10/20/2014 - A moment later, he realized he was looking not at a brown, furry mammal, but an enormous, puppy-size spider.
Posted: 10/20/2014 - About 25 Fort Gordon soldiers will deploy in late October to help fight the Ebola outbreak in West Africa.
Posted: 10/14/2014 - The terror group is advancing in Syria and Iraq even after weeks of strikes from the U.S. and other countries
Posted: 10/14/2014 - World Health Organization says the death rate in the Ebola outbreak is rising and the number of cases could skyrocket
Posted: 10/13/2014 - The battle for a key Syrian city on the Turkish border intensified Monday as ISIS continued its push for control of Kobani while also scoring a victory in neighboring Iraq, taking a strategically important military base in Anbar province.
Updated: 10/16/2014 - Officials from African nations are among international dignitaries gathering for the annual World Food Prize award ceremony to discuss the challenges of feeding a growing world population.
Posted: 10/08/2014 - The dog had been the focus of protests, but officials said he had to be sacrificed over fears of spreading Ebola
Posted: 10/07/2014 - Nursing aide was first case of Ebola in Europe; government cites risk of dog-to-human transmission
Posted: 09/30/2014 - Here are answers to 11 key questions about the new phase in the conflict with ISIS
Posted: 09/30/2014 - AC/DC guitarist Malcolm Young diagnosed with dementia, leaves band
Posted: 09/29/2014 - Protesters are filling the streets of the city, demanding Beijing relinquish control over the election of its chief executive in 2017
Posted: 09/24/2014 - Al Qaeda veterans developing bombs that can be smuggled aboard airliners and recruiting jihadis with Western passports


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May 22, 2015
MARYVILLE, Tenn. (WVLT) -- If there is one thing that you can say about the Maryville Rebels football program it's that they win. George Quarles returns for his 15th season leading Maryville.
The Rebels went 14-1 last season, falling in the State Title game. That loss drives them as they begin Fall practice. "Hopefully that loss will motivate our kids but its not something that we've dwelled on or talked about a whole lot. Our guys have done a good job of staying motivated," Says Quarles.
But don't look for anything radically new from the Rebels. They have claimed 9 titles in Quarles time there. Senior Wide Receiver Cody Carroll knows the team has a proven plan for winning, "That's why we have been so successful the last two decades, because we come out here with a purpose. And that purpose is to get better everyday and be the best that we can be."
The Rebels open the season against defending State Champions the Webb Spartans.
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Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
On your #LinkedIn title: there is a difference between Marketing Principal and Marketing Principle. One is a role, one an idea.
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text:
By Christian Viveros-Fauné
Bridget Everett Whacks Rock Bottom at Joe's Pub
By Miriam Felton-Dansky
The Valley of Astonishment Will Leave You...Astonished
By Tom Sellar
By Tom Sellar
By Jessica Dawson
In September, Site-Specific Theater Rules the Day
By Tom Sellar
How Chuck Jones Defined America Through Cartoons
By R. C. Baker
Between Riverside and Crazy Bares Its Wounds
By Tom Sellar
Instead he moved on, suffering no shortage of ideas or interests—Updike's passion as novelist and critic for the new and undiscovered was perhaps the attribute he shared most with Leonard. A browse in our Voice archives turns up, almost at random, Leonard's "Leapfrog: A Brekekekex Ko-ax Ko-ax St. Patrick's Day to You," a casual on reptiles and the Irish on the occasion of March 27, 1984. "Who speaks for the iguana?" he asked then, and answered: "Me, Tennessee Williams, and Charles Darwin, whose window on the world was Galápagos." Leonard's window was letters, of course—Updike's, too. Both lived, more or less, by the first line of Updike's fine 2001 poem "A Rescue," which begins: "Today I wrote some words that will see print."
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Captain Jack Sparrow (Johnny Depp) finds himself on an unexpected journey to the fabled Fountain of Youth when a woman from his past (Penelope Cruz) forces him aboard the Queen Anne's Revenge, the ship of the formidable pirate Blackbeard (Ian McShane).
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Snapdeal Reviews
Newest First
Purchase of Micromax A96 phone preinstalled with some queer apps, it worked well for 2 months and then it stopped detecting USB connections. I took it to the Micromax service centre as directed by the Micromax officials. I also asked Snapdeal for the warranty claim they said the seven day session has expired for returning products. At the service centre they took away my phone and said some parts require to be changed. It was well within the warranty period, but still they started reinventing the PCB as servicing to replace the deficient part(s). They charged 1000 without expensive travel charges. Then, sim card did not get detected and speakers were non functional. They repaired it again and when I received it I slowly kept discovering other defects like slow startup, lag, flashlight not working, camera not functioning and more to discover. Many of my acquaintances who are neuropathic which prevents them mobility had similar problems with this dealer.
Writing them is to be prepared for their 7 day trip replies.
I also purchased products from snapdeal before which were similar, like deficient and defective. We have to call them within time and they take their leisurely trip before delivery. We as people have priority variations than calling up or contacting. Sometimes mediums for contact is void. And some of the times they themselves deliver the product after their seven days session. Now I'm trammeled in this conclusive and re conclusive idiocy. Dont know more what prices are they going to cheat me.
It's 1st a waste of time. After following instructions, it leads to waste of money. The stores recommended are the worst in the ecosystems. Best of luck for those who will get cheated like we did.
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the over all experience was good. and would like to buy in future from here. the seller responce is good and the snapdeal helps as well also. also through chat the helped to process the order when some doubts arises in placing an order. so its a good experience. thank you snapdeal.
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Good service by seller
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good packing nice materil of saree delivered as showwn in pic..!!
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Transcend External DVD Writer wasnt working as the slider wasnt opening at all. So returned and got refund.
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Fast and good service. Items delivered on time and were exactly same a shown on website...and finally the best priced deal online :p
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Best seller
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Excellent online site.
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snapdeal is a very good site..where we can find things easily and fast.
it is good but i am not happy with tracking details which they are display.they display too less informaton about tracking as compare to flipkart and amazon.
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About Snapdeal
Snapdeal.com is the fastest growing e-commerce company in India. Launched in February 2010, the company is already 800+ people strong. Snapdeal.com features best priced deals everyday on
- Retail services merchants such as Restaurants, Health & Beauty
- Branded products like Mobile phones, Electronics, Perfumes, Watches, Bags, Sunglasses, among others
- Travel & weekend getaways
Snapdeal.com is the market leader in the Retail services deals space, and is the largest e-retailer of watches, sunglasses, jewellery, among other categories. 1 out of 8 internet users in India is subscribed on Snapdeal, and the company is growing at the rate of 1.5 million new subscribers per month. The powerful model of Retail services & physical product e-commerce is something which is very unique to Snapdeal.com, and it gives the opportunity to provide wider variety of choice to the customers
Refunds and Returns Policies
What shall I do to get defective item replaced?
Please contact customer care at +91 92126 92126 or email us at email@example.com, within 30 days from the date of delivery. We will recall the defective product or its part and a replacement will be shipped immediately.
How do I cancel an order on Snapdeal.com?
If you cancel your order before your product has shipped, we will refund the entire amount.
If the cancellation is after your product has shipped, Please contact customer care at +91 92126 92126 or email us at email@example.com.
Shipping Rates and Policies
How much are the shipping charges?
Snapdeal provides free delivery on all items anywhere in India.
How much time does it take for delivery?
The estimated time of delivery is mentioned with every product. It may differ from one item to another.
Once the order is successfully placed, an email is sent containing the details of the order placed by you. Once the item(s) is shipped, an email is sent with the tracking details
How do you deliver in India?
We work with best courier companies in India to deliver fast and safe.
Do you deliver outside India?
We don't deliver outside India yet.
Snapdeal Info
Contact Info
New Delhi -110020
Delhi India
E-mail: email@example.com
Phone: 01149146666 x720


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|Property type
|Minimum Stay
|2 nights
Beautiful, all seasons, Harbor Springs condominium. Harbor Cove Association is located on Little Traverse Bay between downtown quaint Harbor Springs (3 miles) and charming Petoskey (7 miles). Owners and renters enjoy a gorgeous one mile private beach and beach house, indoor and outdoor pools, a clubhouse and playground. Access hiking trails within the association and/or hop on a biking trail that runs from Charlevoix to Harbor Springs. Harbor Cove is a 7 minute drive from Nubs Nob and Boyne Highlands ski resorts. Several stunning golf courses are within minutes. This is a family friendly condominium with 3 bedrooms plus a loft and 2 full bathrooms. The master bedroom has a queen bed and full bath located on the entry-level floor. Lower level has 2 bedrooms, one with a queen and one with double bunk beds, and full bathroom with washer/dryer. The loft has 3 twin beds. The main living area has an open floor plan with living, dining, kitchen, fireplace and deck.
Family of 7 from Southeast Michigan has enjoyed this hidden gem for 16 years! Many great memories with friends and family!
Mary Jo purchased this condo in 1996
Incredibly accommodating for families of all ages and sizes! Stunning sunsets!
Centrally located within the Harbor Cove Association providing a less than 5 minute walk to the beach, indoor and outdoor pools, tennis courts and grills. Set back in the woods for a peaceful get away. Beautiful routes for walking, running and/or biking into town.
Stayed here in both summer and fall. Loved it!! Very clean, nicely appointed. Reasonable rates. Can't imagine a better location for a family vacation. Walked to private, sandy beach. Used indoor and outdoor pools. In fall, loved all the hiking and biking trails. Condo great for families or 2 or 3 couples. So close to Harbor Springs and Petosky and so much to do in surrounding areas. Very helpful owners. Would definitely stay here again.
|Rate Period
|Weekend Night
My Standard Rate
2 night minimum stay
Christmas 2015: $2300 weekly/$375 per night w 3 night min
Ski Season 2015 (JAN/FEB/MAR): $1800 week/$350 per night w 2 night min
Spring 2015 (APR/MAY): $1000 week/$200 per night w 2 night min
Summer 2015 (JUN/JUL/AUG): *weekly only* $1850
Fall 2015: $1000 week/$300 per night (SEP)/ $200 per night (OCT-DEC) w 2 night min
Holiday Weekends: $350/night w 3 night minimum
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.


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Bouncy Bouncy
Edit Page Last Edit: 3 years 4 months ago
Stand on a conjured box bouncing on any bouncy surface for 10 seconds.
This can easily be achieved at the start menu or the first level. On the start menu, you will be given the ability to move the character around the screen after a few seconds. Switch to the Wizard and make a box, then place it on the big pumpkin to the right of the bridge. On the first level, there is a part where there are three mushrooms in a row. Conjure a box and stand on it. This achievement/trophy might take a few tries, but is one of the easiest to unlock.
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The Congress plans to release its manifesto on March 21 while the BJP will release its list of promises the next day, on March 22.
Both the parties promise to finish the selection of candidates before Holi on Monday, while leaving the rest of the decisions on their respective presidents.
The Congress manifesto committee will meet on Sunday to give final touches to the document and to ensure it doesn't invoke the anger of the Election Commission, which has asked parties to ensure financial implications are taken care of, when parties dole out electoral promises.
Congress president Sonia Gandhi will release the manifesto at the All India Congress Committee (AICC) headquarters in the presence of her son vice-president Rahul Gandhi and Prime Minister Manmohan Singh.
The Election Commission released manifesto guidelines for the first time, in deference to a Supreme Court judgment of July 5. The guidelines bar political parties from making promises that can't be fulfilled, and not without explaining how the promises will be met financially.
The guidelines were prefaced with an admission that "it is their (parties') right and duty towards the voters to include offers and promises in manifestos in a healthy democratic polity, but it cannot overlook the undesirable impact of some of the promises and offers on the conduct of free and fair elections and maintaining level-playing field for all political parties and candidates."
Union minister Anand Sharma, who briefed the media, endorsed external affairs minister Salman Khurshid's criticism of the Supreme Court and the Election Commission in trying to curb freebies promised by the parties ahead of elections, saying it was "not a rebuke or insult, but a comment every citizen has the right to make".
Asserting that "we respect both the institutions," Sharma said, "It is not the job of any authority to tell the parties what to write in their manifestos".
The BJP took on Khurhid, saying it was a bit unusual for him to criticise the Commission and the Supreme Court while on foreign soil (London) on the issue.


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Warm Up for Fall With Hot New Jewelry From World Jewels
The weather may be turning cool, but fashionistas can still stay warm with hot new jewelry from World Jewels, the leading online jewelry store. World Jewels adds the hottest new jewelry designs to their site each week, including diamond rings, diamond engagement rings, diamond stud earrings and more.
As temperatures start to drop, many may find they have to cover up, but jewelry lovers can still shine with diamond jewelry. The biggest trends in jewelry this fall are just that — big! Statement jewelry is all the rage. Rings with thicker bands and big gems and stones are in, and the same goes for necklaces with large pendants and chunky bracelets.
"World Jewels has all of the current trends in jewelry as well as classic diamond rings, engagement rings and more," said Allen Rashtian, owner of World Jewels. "We want you to be completely happy with our jewelry, so we offer a 30 day return policy and free ground shipping on all jewelry orders with insurance at no additional cost."
The newest jewelry designs added to WorldJewels.com can be viewed on their Hot Items and Specials pages.
To speak with a trained professional waiting to answer any questions or help find that perfect jewelry gift call 888-967-5353 or visit www.worldjewels.com.
About World Jewels:
Located in beautiful Los Angeles, California, World Jewels purchases and imports the highest quality diamonds, gold and silver from around the world. World Jewels specializes in semi-mounts for engagement rings, solitaire rings, wedding bands and sets, bracelets, earrings, necklaces and pendants. They also carry a wide selection of precious gem stones in different sizes and shapes, loose or set in 14k/18k gold or platinum mountings. World Jewels is one of the only online jewelry stores that manufacture their own jewelry in 14k gold, 18k gold and platinum. You can find new jewelry designs added to the "Hot Items" and "Specials" sections each week on WorldJewels.com.
SOURCE: World Jewels


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The new fall season rolls on with some of its best and brightest new shows premiering tonight. NBC gets in on the nursing trend with their show Mercy about the … READ MORE


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Drake Waterfowl MST Eqwader Quarter Zip Jacket
$74.93 $109.99*
Save $35.06 (32%)
Product Information:
The Drake Waterfowl® MST Eqwader Quarter Zip Jacket is a comfortable, mid-weight fleece jacket. Made of breathable fleece that eliminates bulk and keeps you warm, this jacket has HyperShield™ technology shields against water in areas not covered by waders. Additional features include adjustable neoprene cuffs, the Magnattach™ chest call pouch, a license and key pouch and handwarmer pockets.
- Quarter zip jacket ideal for wearing with chest waders
- Breathable, mid-weight fleece eliminates bulk
- 200 gram fleece lining
- HyperShield™ technology provides waterproof protection on areas not covered by waders
- Magnattach™ Chest Call Pouch is easily accessible and holds your calls
- Vertical license and key pouch provides convenient storage
- Full-length internal storm flap
- Reverse-coil zipper
- Adjustable neoprene cuffs
- Style: DW432
- Drake Waterfowl
Country of Origin: VietnamWeb ID: 13067312
Customer Reviews:
Rated 4.7 out of 5�by 17 reviewers.
Rated 5 out of 5�by h&hlanyards Exactly what I was looking for Have been wanting one of these for a while now. Luckily caught it on sale with free shipping. Came just as described and shipping was fast. Overall, great price and delivery. November 29, 2012
Rated 5 out of 5�by camojacket great item granddaughter had asked for this jacket for birthday and was unable to purchase proper size at store but the help was terrific in helping to order on line and have it shipped to my home address. Recieved it within a few days of ordering, quick delivery. Will continue to use dicks for all sporting goods needed for grandchildren and they have a good selection and their sale staff are very friendly and helpful. November 14, 2012
Rated 5 out of 5�by happypapa GREAT LOOKING JACKET This jacket is a perfect fit for our grandson in size and style. Waterproof upper and nice and warm. Order came in just a couple of days and was delivered at our door. December 22, 2014
Rated 5 out of 5�by Peewee Great jacket I bought this for my son and he loves it. Good quality and warm December 30, 2012
Rated 4 out of 5�by Momo1970 pretty good i got this for the wife so she can coming hunting with me, it fits in or out the waders, pretty warm, comfortable, and well priced. October 30, 2012
Rated 5 out of 5�by Kcbr27 Hubby loved it This was a Christmas gift for my hubby he loves it December 27, 2014
Rated 5 out of 5�by Jennifer1111 Great features I bought this jacket for my 15 year old son. He said it's super warm and not bulky, this is what he likes most. December 27, 2014
Rated 5 out of 5�by Brittany11414 Amazing jacket! It's so comfortable and stays true to size. My boyfriend loves it!!! December 25, 2014
Rated 5 out of 5�by Teddy1988 This product is great my son has one of these and just loves it and my daughter wanted one for christmas so i ordered one December 10, 2014
Rated 5 out of 5�by MALLARDMEN17 Great brand. This pullover is a great choice. It's awesome quality of drake and is light enough for the early season and warm enough until the late season love this pullover. December 9, 2014


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Can you save the village and the world through this 16-bit style game of fast action and fast clicking? Destroy enemies with a simple click and stop them from destroying your party. It sounds easy, but it's much more challenging than you think. With an awesome soundtrack, fun retro styled graphics and a slew of monsters, this one is sure to be a hit!
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5:38 am
Thu June 11, 2009
Verlander pitches Tigers past White Sox
By AP
CHICAGO – CHICAGO (AP) - Justin Verlander pitched a six-hitter for his first victory ever at U.S. Cellular Field as the Detroit Tigers defeated the Chicago White Sox 2-1.
Jim Thome hit his 552nd career home run and John Danks pitched 7 1-3 strong innings, but the White Sox still fell 6 1/2 games behind AL Central-leading Detroit. Adam Everett homered for the Tigers, who have won five of their last six games.
Verlander (7-2) struck out nine and walked one in his second complete game this year. He has a 7-0 record and league-low 1.10 ERA since April 27. The seven-decision winning streak matched his career best of 2006, when he helped Detroit reach the World Series.