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The numbers of newly confirmed and suspected cases rose by two in the 24 hours to midday yesterday, compared to the rapid rises seen at the height of the health scare last week.
It takes the total number of people who have contracted the disease since the first case was identified on May 31 to 82. This includes 15 patients currently in intensive care – unchanged from Saturday – and 26 who are being treated on general wards.
The figures also include 16 people being treated in the community, 19 who have recovered and been discharged from hospital, and labourer Robert Air, 56, who died last week.
Contaminated water vapour from cooling towers have been blamed for spreading the disease.
Health Secretary Nicola Sturgeon said: "These latest figures are reassuring and in line with expectations, and although it is too early to be definite they do suggest we are now in the later stages of this outbreak. All those involved are responding extremely well.
"NHS Lothian services are coping with the demands on them and the City of Edinburgh Council and the Health and Safety Executive continue to make significant progress in their investigation to identify the source."
Dr Duncan McCormick, Consultant in Public Health Medicine for NHS Lothian, added: "We are pleased with the slow down in the number of cases presenting and we hope this will continue over the coming days."
The Scottish Government's Resilience Room, which has been monitoring the outbreak, will meet again today
The North British Distillery in Gorgie, one of six sites being inspected for traces of the virus, has been closed temporarily after being issued with an improvement notice by the Health and Safety Executive.

subset: commoncrawl


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New Volvo Reviews
Autobytel has reviews that will walk you around a car, give you a peek under the hood and get you behind the wheel with an industry expert. Browse by category or get into a specific brand to see how well a car does when put to the test.
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In the 1990 comedy film "Crazy People", starring Dudley Moore and Daryl Hannah, Moore plays advertising executive "Emory Leeson". After suffering from a nervous...
Volvo XC90 Used SUV Buyer's Guide
It was with considerable fanfare Volvo entered the jealously coveted SUV marketplace back in 2003. Coming on the heels of the controversy surrounding the rollover incidents plaguing...
2012 Volvo XC60: Video Road Test and Review
The 2012 Volvo XC60 is one of three "crossover" entries from Volvo that carries on the Swedish automaker's decades-long tradition of producing bulletproof wagons....
2012 Volvo S60: Video Road Test and Review
Long struggling in that vague purgatory just shy of Tier 1 luxury, the 2012 Volvo S60 seems finally poised to break the ties that bind. A more upscale interior and sophisticated...
2012 Volvo S60 R-Design Road Test and Review
The Volvo S60 sat out the 2010 model year in preparation for the all-new 2011 model, but Volvo isn't taking any more time off in regards to its entry-level sedan which is evident...
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It was a first for Shelly Seymour and Bud Kennedy, of Fort Worth Texas, but for Sharon and Theun Van...
2011 Volvo S40 Offers Good MPGs in Luxury Sedan Class
Among this year's crop of luxury sedans, the 2011 Volvo S40 is worth a look for its exceptional comfort and fuel efficiency. Its entry-level luxury pricing may also help...


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The Challenge of Innovation in Brazil: Innovation Strategies in Seven Countries
April 25, 2008 // 3:00pm — 5:00pm
This event was held at USP in São Paulo, Brazil Reginaldo Arcuri, President of the Brazilian Agency for Industrial Development; Glauco Arbix, General Coordinator of the Innovation Observatory;Carlos Henrique Brito Cruz, Scientific Director of São Paulo's FAPESP; Mario Salerno, Professor at USP's Polytechnic School and Executive Coordinator of the Competition and Competitiveness Observatory; and David Kupfer (Invited), Professor at the Economics Institute of the Universidade Federal do Rio de Janeiro and Coordinator of the Industry and Competitiveness Group.
Book Discussion - Multilateralism, Regionalism and Bilateralism in Trade and Investment: 2006 World Report on Regional Integration
April 10, 2008 // 3:00pm — 5:30pm
With Philippe De Lombaerde, Editor, and Research Fellow, UNU Comparative Regional Integration Studies (UNU-CRIS); Raquel Artecona, Regional International Trade Advisor, United Nations Economic Commission for Latin America and the Caribbean (ECLAC); And the following commentators: Mauricio Moreira, Integration and Trade Sector, Inter-American Development Bank; Jose Raul Perales, Senior Program Associate, Latin American Program, Woodrow Wilson Center; Chair and Moderator: Kent Hughes, Director, Program on Science, Technology, America, and the Global Economy, Woodrow Wilson Center
A Conversation with Governor of the State of Rio Grande do Sul,
Yeda Crusius
April 01, 2008 // 9:30am — 11:00am
Yeda Rorato Crusius, an economist and university professor, was elected governor of the state of Rio Grande do Sul on October 2006. A leading member of the Brazilian Social Democrat Party (PSDB), Governor Crusius is the first woman elected to the governorship of the state.
U.S.–Brazil Biofuels Cooperation: One Year Later
March 04, 2008 // 4:00pm — 5:30pm
Marcos S. Jank, President of UNICA; André Aranha Corrêa do Lago, Head of the Energy Department of Brazil's Ministry of Foreign Affairs; Gregory Manuel, Special Advisor to the Secretary and International Energy Coordinator at the State Department; Carl Meacham, Professional Staff, Senate Foreign Relations Committee; Jason Steinbaum, Professional Staff, House of Reps. Foreign Affairs Committee, Subcommitte on the Western Hemisphere; Alessandro Teixeira, President of APEX Brasil; and Paulo Sotero, Director Brazil Institute (Moderator)
IV Symposium on International Trade
February 01, 2008 // 7:30am — 12:00pm
Three panel discussions will focus on: "Unlocking the Doha Round: Perspectives for 2008"; "Global Warming and Environmental Preservation: What Options International Trade Law Has To Offer?"; "Revisiting the Possibility of a Bilateral Investment Treaty (BIT) Between the United States and Brazil"
Breakfast Discussion with President of Brazil's Chamber of Deputies Arlindo Chinaglia
January 24, 2008 // 7:30am — 9:00am
A medical doctor and a founder of the Workers Party (PT), Arlindo Chinaglia is a congressman from the state of São Paulo serving his fourth-term. The position of President of the Chamber of Deputies is equivalent to the Speaker of the House in the U.S. system. In the midst of various setbacks to President Lula's legislative agenda, Chinaglia is deeply involved in the negotiations of solutions to the government's fiscal and budgetary proposals, among other challenges. The discussion will focus on Brazil-US relations, President Lula's legislative agenda and Brazil's October 2008 municipal elections—elections that will set the stage for the 2010 presidential race.
Infrastructure Integration and Environmental Preservation in the Amazon
January 16, 2008 // 11:00am — 4:30pm
The Initiative for the Integration of the Regional Infrastructure of South America is meant to forge links between South American countries by integrating the transportation, energy, and telecommunications sectors. The full environmental and social impacts of IIRSA investments should be weighed against the need to promote the continent's economic development and reduce poverty.
Brazil's Innovation Challenge: Public Policies and Business Strategies
November 08, 2007 // 7:30am — 12:30pm
This event took place in Sao Paulo, Brazil Carlos Henrique Brito Cruz, Scientific Director, Research Foundation of the State of São Paulo (FAPESP); Sérgio Risola, General Coordinator, University of São Paulo Technogical Enterprises Incubator Center (CIETEC–USP); Ricardo Camargo Mendes, Executive Director, Prospective International Consulting; Stephen Merrill, Executive Director, United States National Academy of Science's Board on Science, Technology, and Economic Policy; Maurício Mendonça, Executive Director of the Industrial Competitiveness Unit of CNI; Kent Hughes, Director, Program on Science, Technology, America and the Global Economy of the Woodrow Wilson Center; Fernando Reinach, Executive Director, Votorantim New Ventures; Carlos Américo Pacheco, Assistant Secretary for Development of São Paulo; Sonia Tuccori, R&D Manager, Natura; Alexander Triebnigg, Presidente, Novartis Brasil; Mauro Assano, Executive Manager of Research, IBM (to be confirmed); Luiz Henrique Braido, Professor, Getúlio Vargas Foundation; Paulo Sotero, Director, Brazil Institute
Brazil and the United States: Trade Agendas and Challenges of the Bilateral Relationship
October 16, 2007 // 2:00pm — 5:30pm
Henrique Rzezinski, President, Brazilian Section of Brazil-United States Business Council; Jason Kearns, Trade Counsel, Committee on Ways and Means, U.S. House of Representatives; Pedro da Motta Veiga, Director, Center for Integration and Development Studies (CINDES); Maurício Mesquita Moreira, Senior Trade and Integration Economist, Inter-American Development Bank; I.M. Destler, Visiting Fellow, Peterson Institute for International Economics; Jon Huenemann, Vice President, Miller & Chevalier; Kellie Meiman, Kissinger McLarty Associates; and Paulo Sotero, Director, Brazil Institute
New Directions in Brazilian Foreign Relations
September 28, 2007 // 8:30am — 12:30pm
This event was held at The Brookings Institution.The Hon. Antonio Patriota, Brazilian Ambassador to the United States; Amaury de Souza, Senior Partner, MCM Associated Consultants, Rio; Mônica Herz, Director, Institute of International Relations, PUC-Rio; Riordan Roett, Director, Western Hemisphere Studies, SAIS; Eduardo Campos, Governor, State of Pernambuco; Sergio Amaral, Former Minister of Industry, Commerce & Development; Peter Hakim, President, Inter-American Dialogue; Paulo Sotero, Director, Brazil Institute; Antonio Barros de Castro, Chief-Economist, National Bank for Economic and Social Development (BNDES);


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Elisabeth A. Balkite
MS, Human Genetics Sarah Lawrence College, Bronxville NY,. BA. In Zoology, Connecticut College. New London, CT.
Short course: Molecular Diagnostics, Counseling and the Human Genome Project, Univ. of Michigan, Ann Arbor, MI. American Board of Genetic Counseling, Bethesda, MD. GlaxoSmithKline, NC
Graduate program: Human Genetics Program
Courses taught in Human Genetics Program
Courses from previous years
- Capstone Project


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Press release from CNW Group
Home Capital Reports Strong Performance for the Second Quarter
Wednesday, August 01, 2012
Home Capital Reports Strong Performance for the Second Quarter17:00 EDT Wednesday, August 01, 2012Basic Earnings per Share of $1.54, or $1.60 excluding second quarter tax adjustmentsReturn on Equity of 25.1%Second Quarter Net Income Increases 10.4%, or 14.5% excluding second quarter tax adjustments, over 2011 Net IncomeTORONTO, Aug. 1, 2012 /CNW/ - Home Capital Group (TSX: HCG) today reported another quarter of strong results for the three months ended June 30, 2012.The Company's Second Quarter Report, including Management's Discussion and Analysis, is available on www.homecapital.com and on the Canadian Securities Administrators' website at www.sedar.com. FINANCIAL HIGHLIGHTS (Unaudited)For the three months endedFor the six months ended(000s, except Per Share and Percentage Amounts)June 302012March 312012June 302011June 302012June 302011OPERATING RESULTS Net Income$ 53,230$ 52,534$ 48,206$ 105,764$ 91,384Adjusted Net Income1 53,230 52,534 48,206 105,764 93,809Total Revenue 218,751 214,682 198,568 433,433 383,181Earnings per Share - Basic/Diluted$1.54/1.54$1.52/1.52$1.39/1.38$3.07/3.07$2.63/2.62Adjusted Earnings per Share - Basic/Diluted1 1.54/1.54 1.52/1.52 1.39/1.38 3.07/3.07 2.70/2.69Return on Shareholders' Equity 25.1% 26.2% 28.2% 25.7% 27.5%Return on Average Assets1.2% 1.2% 1.2% 1.2% 1.1%Net Interest Margin (TEB)2 2.09% 2.02% 2.06% 2.05% 2.03%Net Interest Margin Non-Securitized Assets (TEB)2 3.05% 3.06% 3.04% 3.06% 3.00%Net Interest Margin Securitized Assets1.05% 0.97% 1.28% 1.00% 1.24%Provision as a Percentage of Gross Loans (annualized)0.05% 0.11% 0.03% 0.08% 0.03%Efficiency Ratio (TEB)2 27.8% 27.7% 27.9% 27.8% 28.6%As atJune 302012March 312012December 312011June 302011 BALANCE SHEET HIGHLIGHTS Total Assets$ 18,526,458$ 17,995,256$ 17,696,471$ 16,434,599 Total Loans3 16,966,961 16,403,745 16,089,648 15,319,145 Securitized Loans On-Balance Sheet 7,582,154 7,953,414 8,243,350 8,623,284 Loans Under Administration 17,039,727 16,403,745 16,089,648 15,319,145 Liquid Assets 677,908 691,416 814,918 864,142 Deposits 9,007,464 8,297,126 7,922,124 6,734,129 Shareholders' Equity 869,439 828,036 774,785 701,935 FINANCIAL STRENGTH Capital Measures4 Risk-Weighted Assets$ 5,003,579$ 4,704,529$ 4,549,696$ 3,981,958 Tier 1 Capital Ratio 17.1% 17.5% 17.3% 18.4% Total Capital Ratio21.1% 21.6% 20.5% 22.1% Credit Quality Non-Performing Loans as a Percentage of Gross Loans0.31% 0.28% 0.25% 0.23% Allowance as a Percentage of Gross Non-Performing Loans58.7% 67.6% 74.9% 86.1% Share Information Book Value per Common Share$ 25.05$ 23.83$ 22.38$ 20.24 Common Share Price - Close$ 45.18$ 50.34$ 49.10$ 51.75 Market Capitalization$ 1,568,243$ 1,749,365$ 1,700,088$ 1,794,897 Number of Common Shares Outstanding 34,711 34,751 34,625 34,684 1 See definition of Adjusted Net Income under Non-GAAP Measures of the unaudited interim consolidated financial report and reconciliation to net income in Table 2 of the Management's Discussion and Analysis.2 See definition of Taxable Equivalent Basis (TEB) under Non-GAAP Measures of the unaudited interim consolidated financial report. The net interest margin non-securitized assets for March 31, 2012 was amended from the previously disclosed amount of 3.00%.3 Total loans include loans held for sale.4 These figures relate to the Company's operating subsidiary, Home Trust Company.SECOND QUARTER 2012 HIGHLIGHTSKey results for the second quarter of 2012 included:Net income increased to $53.2 million in the second quarter and to $105.8 million for the six months ended June 30, 2012. Second quarter results included an unfavourable adjustment to taxes of $2.0 million due to Ontario tax rate changes announced earlier this year and substantively enacted during the quarter. Excluding this tax adjustment, net income for the quarter was $55.2 million representing an increase of 14.5% over 2011 second quarter net income of $48.2 million, and 5.1% (or 20.4% annualized) over first quarter of 2012 net income of $52.5 million. Net income of $107.8 million, excluding the tax adjustment, for the six months ending June 30, 2012 increased 17.9% over the $91.4 million recorded in the same period last year. Including the tax adjustment net income is up 15.7% year over year. These results put the Company solidly within the 13%-18% net income growth target for 2012.Diluted earnings per share were $1.54 for the quarter and $3.07 for the first six months of 2012 representing increases of 11.6% and 17.2% from $1.38 and $2.62 of the respective periods of 2011. Excluding the tax adjustment, diluted earnings per share were $1.60 for the quarter and $3.13 for the first six months of 2012 representing increases of 15.9% and 19.5% over the respective periods of 2011. Diluted earnings per share for the second quarter, excluding the tax adjustment, also increased by 5.3% from $1.52 diluted earnings per share in the first quarter of 2012.Net interest income reached record levels of $93.9 million in the second quarter, increasing 15.4% over the $81.3 million recorded in the second quarter of 2011 and 6.4% over the $88.2 million earned last quarter, reflecting solid loan growth and strong demand for the Company's products.Net interest margin (TEB) rose to 2.09% in the second quarter from 2.06% in the second quarter of 2011 and 2.02% in the first quarter of 2012, primarily due to the benefit of the rebalancing of the portfolio towards the higher yielding traditional mortgage portfolio. On a year to date basis, net interest margin (TEB) increased to 2.05% compared to 2.03% in the same period last year. Net interest margin (TEB) on non-securitized assets was 3.05% compared to 3.04% in the second quarter of 2011 and 3.06% in the first quarter of 2012.Net interest margin on securitized assets was 1.05%, representing a decline from 1.28% one year ago and an increase from 0.97% last quarter. During the second quarter the Company benefited from higher than expected prepayment penalties in the securitized portfolio resulting in an increase in the net interest margin. Compared to a year ago, the utilization of lower yielding assets as replacement assets in the CMB program is the primary contributor to lower margins.Return on equity at 25.1% for the quarter and 25.7% year to date remains solid and continues well in excess of the Company's minimum performance objective of 20%.During the quarter the Company securitized and sold $72.8 million in insured multi-unit residential mortgages that qualified for off-balance sheet and gain on sale accounting under current accounting standards. This resulted in a securitization gain of $1.3 million in the quarter.The credit quality of the loans portfolio remains solid. Net non-performing loans ended the quarter at 0.31% of the total loans portfolio and, while up from 0.25% at December 31, 2011 and 0.28% at the end of the first quarter of 2012, the ratio remains well within the Company's expectations and reflects the strategic shift towards a higher proportion of traditional mortgages. The provision for credit losses continues at a low level and was 0.05% of gross loans on an annualized basis in the quarter, compared to 0.03% in the second quarter of 2011 and 0.11% in the first quarter of 2012. The provision for credit losses ratio is within the Company's objective of 0.05% to 0.15% of gross loans.Tier 1 and Total capital ratios of 17.1% and 21.1%, respectively, at June 30, 2012 remain very conservative and well above the Company's minimum targets. Home Trust's asset to capital multiple was 13.8 at the end of the quarter compared to 14.4 at December 31, 2011 and 13.6 at the end of the first quarter. The Company is well positioned to continue growing its assets, revenue and net income while meeting or exceeding the Company's 2012 targets and maintaining prudent levels of capital.Total assets were $18.53 billion at the end of the second quarter, an increase of $2.09 billion or 12.7% from $16.43 billion one year ago, $0.83 billion or 4.7% from $17.70 billion at the end of 2011 and $0.53 billion or 3.0% over $18.0 billion at the end of the first quarter of 2012.Total loans grew to $16.97 billion, an increase of $1.65 billion or 10.8% from $15.32 billion one year ago, $0.88 billion or 5.5% from $16.09 billion at the end of 2011 (10.9% on an annualized basis) and $0.56 billion or 3.4% over $16.40 billion at the end of last quarter. While annualized loan growth year to date has been below the Company's growth target due to net reduction of insured loans, demand is strong and the Company continues to expect year-over-year loan growth to be within the target range of 13%-18% for 2012.The total value of mortgages originated in the second quarter rose to $1.67 billion from $1.20 billion originated in the second quarter of 2011 and $1.19 billion in originations in the first quarter of 2012. Originations were $2.85 billion for the first six months of the year compared to $2.57 billion in the same period last year. Origination volumes and weightings continue to reflect the Company's strategy to increase focus on originations of higher yielding traditional mortgages.Originations of traditional mortgages increased to $1.21 billion in the second quarter from $870.8 million in the second quarter of 2011 and $921.1 million originated in the first quarter of 2012. The Company is experiencing strong demand for its traditional product offerings combined with high credit quality. This continues to enhance profitability.Accelerator (insured) mortgage originations increased to $221.1 million in the second quarter from $172.4 million in the second quarter of 2011 and from $172.7 million in the first quarter of 2012. The Company continues to pursue opportunities that may lead to future growth in this product segment in 2012.Multi-unit residential originations were $87.8 million in the quarter compared to $34.5 million in the second quarter of 2011 and $27.5 million in the first quarter of 2012. The Company anticipates continued funding of multi-unit residential mortgages through the second half of 2012 and plans to securitize these mortgages through programs that qualify for off-balance sheet accounting.Non-residential mortgage advances were $86.0 million in the quarter compared to $59.5 million in the second quarter of 2011 and $25.2 million in the first quarter of 2012. The Company continues to be very selective and focuses on opportunities that present strong margins and risk profiles that are within the Company's risk tolerance.Store and apartment advances were $37.8 million for the quarter compared to $35.5 million in the second quarter of 2011 and $37.9 million last quarter.The Company opened 1,793 new Visa accounts in the second quarter compared to 2,389 accounts opened in the second quarter of 2011 and 1,383 accounts last quarter. The decline through the current year reflects the Company's increased conservatism in approvals and advances and the anticipated adoption of OSFI's B-20 draft guideline provisions limiting home equity lines of credit (HELOC). The final guideline is less restrictive than the Company's expectation and the Company is exploring strategies, within its risk tolerance and OSFI's guidelines, to enhance growth in this portfolio.Consistent with the first quarter of 2012, the Company is delivering solid performance despite the persistent international economic instability and muted economic improvement in Canada. The Company's performance reflects the strength, and the successful execution, of the Company's core strategy.As discussed in the first quarter of 2012, the Company continues to see resilient and relatively stable real estate markets across most of Canada, with a few areas of continuing concern, where the Company has already scaled back. The Company expects real estate demand to remain relatively stable in 2012 with potentially modest declines in some of the larger markets. This is expected to result in relatively balanced real estate market conditions and lead to continued healthy demand for the Company's products, consistent with the first half of the year. The Company has not seen evidence of a "real-estate bubble" in Canada. Low interest rates and stable employment have maintained housing affordability. The Company expects interest rates to remain at current levels or experience very modest increases into 2013 and that Canadian employment levels will remain relatively stable in 2012. The Company maintains a solid capital position and prudent liquidity and expects that it is well positioned to deal with the impact of uncertainty that may affect the Canadian economy.Favourable market opportunities have supported the Company's strategy of renewed focus on the traditional mortgage portfolio with record levels of originations in this product category. While the Company has increased lending in this product category it has been able to do so with improving credit quality. The average credit score for traditional mortgage originations for the first half of 2012 is up from the same period of 2011 while loan to value ratios are down. The Company remains proactive and prudent in its lending practices, taking into account local economic and market conditions. The credit quality of the loan portfolio remains strong, reflecting the Company's focus on diligent underwriting combined with strong collection standards and loan resolution strategies.During the second quarter, OSFI released Final Guideline B-20 - Residential Mortgage Underwriting Practices and Procedures requiring full implementation by the end of 2012. Additionally, the Canadian government announced rule changes associated with mortgages insured through CMHC that became effective in early July 2012. The Company supports the changes announced and expects that these measures will serve to enhance the safety and soundness of the Canadian real estate market, mortgage insurers and the economy, while potentially tempering real estate demand in the short term. The Company has already made changes, where required, to comply with a significant number of the B-20 guidelines and will be fully compliant before the end of 2012. The changes required for B-20 are not expected to materially affect the Company's growth or progress. There may be a small segment of the Company's borrowers who will be impacted by the B-20 changes and may need to seek alternative funding. The Company was fully compliant with the required changes to the insured mortgage rules before the early July 2012 deadline.Subsequent to the end of the quarter, and in light of the Company's solid performance, profitability and strong financial position, the Board of Directors declared a quarterly dividend of $0.22 per Common share, payable on September 1, 2012 to shareholders of record at the close of business on August 15, 2012. With solid performance in all aspects of Home Capital's business, management expects that the Company will continue to generate above average earnings and shareholder performance for 2012, and will meet or exceed all of its stated objectives for 2012. (signed)GERALD M. SOLOWAY Chief Executive Officer August 1, 2012 (signed)KEVIN P.D. SMITHChairman of the Board Additional information concerning the Company's targets and related expectations for 2012, including the risks and assumptions underlying these expectations, may be found in Management's Discussion and Analysis (MD&A) of this quarterly report.Conference Call and WebcastSecond Quarter Results Conference CallThe conference call will take place on Thursday, August 2, 2012, at 10:30 a.m. Participants are asked to call 5 to 15 minutes in advance, 647-427-7450 in Toronto or toll-free 1-888-231-8191 throughout North America. The call will also be accessible in listen-only mode via the Internet at www.homecapital.com.Conference Call ArchiveA telephone replay of the call will be available between 1:30 p.m. Thursday, August 2, 2012 and midnight Thursday, August 9, 2012 by calling 416-849-0833 or 1-855-859-2056 (enter passcode 99419730). The archived audio web cast will be available for 90 days on CNW Group's website at www.newswire.ca and Home Capital's website at www.homecapital.com.2012 OBJECTIVES AND PERFORMANCEHome Capital published its financial objectives for 2012 on page 15 of the Company's 2011 Annual Report. The following table compares actual performance to date against each of these objectives.Table 1: 2012 Targets and Performance For the six months ended June 30, 2012 2012 Targets1ActualResults1 AmountIncreaseover 2011Growth in net income13%-18%15.7%$ 105,764 $ 14,380 Growth in diluted earnings per share13%-18%17.2% 3.07 0.45 Growth in total loans2 13%-18%10.9% 16,966,961 877,313 Return on shareholders' equity20.0%25.7% Efficiency ratio (TEB)3 28.0% - 34.0%27.8% Capital ratios4 Tier 1Minimum of 13%17.1% TotalMinimum of 14%21.1% Provision as a percentage of gross loans (annualized)0.05% - 0.15%0.08% 1 Objectives and results for net income and diluted earnings per share are for the current year.2 Change represents growth over December 31, 2011 on an annualized basis and includes loans held for sale.3 See definition of TEB under Non-GAAP Measures in the unaudited interim consolidated financial report.4 Based on the Company's wholly owned subsidiary, Home Trust Company.Consolidated Statements of Income For thethree months endedFor thesix months endedthousands of Canadian dollars, except per share amounts (Unaudited) June 302012March 312012June 302011June 302012June 302011Net Interest Income Non-Securitized Assets Interest from loans$ 125,576 $ 117,565 $ 96,262 $ 243,141 $ 187,315 Dividends from securities 3,533 3,964 4,713 7,497 8,971 Other interest 930 1,047 1,219 1,977 2,912 130,039 122,576 102,194 252,615 199,198 Interest on deposits 56,043 53,128 47,242 109,171 92,208 Interest on senior debt 1,705 1,653 1,047 3,358 1,047 Net interest income non-securitized assets 72,291 67,795 53,905 140,086 105,943 Net Interest Income Securitized Loans and Assets Interest income from securitized loans and assets 76,286 76,616 83,920 152,902 164,420 Interest expense on securitization liabilities 54,723 56,192 56,503 110,915 112,435 Net interest income securitized loans and assets 21,563 20,424 27,417 41,987 51,985 Total Net Interest Income 93,854 88,219 81,322 182,073 157,928 Provision for credit losses (note 5(E)) 2,298 4,498 1,217 6,796 2,191 91,556 83,721 80,105 175,277 155,737 Non-Interest Income Fees and other income 12,025 10,897 8,646 22,922 17,006 Realized net gains and unrealized losses on securities and mortgages 1,676 308 2,141 1,984 4,170 Net realized and unrealized (loss) gain on derivatives (note 14) (1,275) 4,285 1,667 3,010 (1,613) 12,426 15,490 12,454 27,916 19,563 103,982 99,211 92,559 203,193 175,300 Non-Interest Expenses Salaries and benefits 14,501 13,999 13,253 28,500 25,830 Premises 1,977 1,998 1,900 3,975 3,772 Other operating expenses 13,404 13,171 11,490 26,575 22,257 29,882 29,168 26,643 59,050 51,859 Income Before Income Taxes 74,100 70,043 65,916 144,143 123,441 Income taxes (note 12(A)) Current 20,568 19,055 18,036 39,623 32,111 Deferred 302 (1,546) (326) (1,244) (54) 20,870 17,509 17,710 38,379 32,057 NET INCOME $ 53,230 $ 52,534 $ 48,206 $ 105,764 $ 91,384 NET INCOME PER COMMON SHARE Basic$ 1.54 $ 1.52 $ 1.39 $ 3.07 $ 2.63 Diluted$ 1.54 $ 1.52 $ 1.38 $ 3.07 $ 2.62 AVERAGE NUMBER OF COMMON SHARES OUTSTANDING Basic 34,476 34,550 34,695 34,486 34,699 Diluted 34,509 34,593 34,843 34,491 34,843 Total number of outstanding common shares (note 9(A)) 34,711 34,751 34,684 34,711 34,684 Book value per common share$ 25.05 $ 23.83 $ 20.24 $ 25.05 $ 20.24 The accompanying notes are an integral part of these unaudited interim consolidated financial statements.Consolidated Statements of Comprehensive Income For thethree months endedFor thesix months endedthousands of Canadian dollars (Unaudited) June 302012 March 312012 June 302011 June 302012 June 302011 NET INCOME $ 53,230 $ 52,534 $ 48,206 $ 105,764 $ 91,384 OTHER COMPREHENSIVE INCOME (LOSS) Available for Sale Securities Net unrealized (losses) gains on securities available for sale (1,069) 4,393 420 3,324 (81)Net gains reclassified to net income (1,348) (364) (2,662) (1,712) (4,490) (2,417) 4,029 (2,242) 1,612 (4,571)Income tax (recovery) expense (643) 1,167 (919) 524 (1,168) (1,774) 2,862 (1,323) 1,088 (3,403)Cash Flow Hedges (note 14) Net unrealized (losses) gains on cash flow hedges (396) 26 (2,643) (370) (3,317)Net losses reclassified to net income 357 353 91 710 91 (39) 379 (2,552) 340 (3,226)Income tax (recovery) expense (89) 110 (664) 21 (839) 50 269 (1,888) 319 (2,387)Total other comprehensive (loss) income (1,724) 3,131 (3,211) 1,407 (5,790)COMPREHENSIVE INCOME $ 51,506 $ 55,665 $ 44,995 $ 107,171 $ 85,594 The accompanying notes are an integral part of these unaudited interim consolidated financial statements.Consolidated Balance Sheets thousands of Canadian dollars (Unaudited) June 302012 March 312012 December 312011 ASSETS Cash Resources (note 4(A))$ 301,330 $ 421,397 $ 665,806 Securities (note 4(B)) Available for sale 425,834 471,951 391,754 Pledged securities (notes 4(C) and 6(B)) 628,836 493,889 341,588 1,054,670 965,840 733,342 Loans held for sale 29,811 - - Loans (note 5) Residential mortgages 7,749,484 6,946,012 6,339,883 Securitized residential mortgages (note 6) 7,582,154 7,953,414 8,243,350 Non-residential mortgages 1,037,385 940,055 946,222 Personal and credit card loans 568,127 564,264 560,193 16,937,150 16,403,745 16,089,648 Collective allowance for credit losses (note 5(E)) (29,500) (29,500) (29,440) 16,907,650 16,374,245 16,060,208 Other Derivative assets (note 14) 59,284 55,611 72,424 Other assets (note 7) 84,534 90,899 79,650 Capital assets 7,278 6,296 5,372 Intangible assets 66,149 65,216 63,917 Goodwill 15,752 15,752 15,752 232,997 233,774 237,115 $ 18,526,458 $ 17,995,256 $ 17,696,471 LIABILITIES AND SHAREHOLDERS' EQUITY Liabilities Deposits Deposits payable on demand$ 42,098 $ 36,220 $ 62,746 Deposits payable on a fixed date 8,965,366 8,260,906 7,859,378 9,007,464 8,297,126 7,922,124 Senior Debt (note 13) 152,524 154,129 153,336 Securitization Liabilities (note 6(C)) Mortgage-backed security liabilities 2,078,300 2,238,138 2,417,801 Canada Mortgage Bond liabilities 6,160,259 6,210,408 6,231,274 8,238,559 8,448,546 8,649,075 Other Obligations related to securities sold under repurchase agreement (notes 4(C) and 5(F)) 43,418 49,720 - Derivative liabilities (note 14) 4,043 2,990 3,458 Income taxes payable 15,893 6,672 17,628 Other liabilities (note 8) 156,320 169,560 136,025 Deferred tax liabilities (note 12(C)) 38,798 38,477 40,040 258,472 267,419 197,151 17,657,019 17,167,220 16,921,686 Shareholders' Equity Capital stock (note 9) 61,662 61,494 55,104 Contributed surplus 5,543 5,207 5,873 Retained earnings 810,018 767,395 722,999 Accumulated other comprehensive loss (note 11) (7,784) (6,060) (9,191) 869,439 828,036 774,785 $ 18,526,458 $ 17,995,256 $ 17,696,471 The accompanying notes are an integral part of these unaudited interim consolidated financial statements.Consolidated Statements of Changes in Shareholders' Equity thousands of Canadian dollars,except per share amounts (Unaudited)CapitalStockContributedSurplusRetainedEarningsNetUnrealized(Losses) Gainson SecuritiesAvailable forSale, after TaxNetUnrealizedLosses onCash FlowHedges,after TaxTotalAccumulatedOtherComprehensive(Loss) IncomeTotalShareholders'EquityBalance at December 31, 2011$ 55,104$ 5,873$ 722,999$ (4,141)$ (5,050)$ (9,191)$ 774,785Comprehensive income - - 105,764 1,088 319 1,407 107,171Stock options settled (note 9(A)) 6,692 (1,302) - - - - 5,390Amortization of fair value of employee stock options (note 10(A)) - 972 - - - - 972Repurchase of shares (note 9(A)) (134) - (3,436) - - - (3,570)Dividends paid ($0.42 per share) - - (15,309) - - - (15,309)Balance at June 30, 2012$ 61,662$ 5,543$ 810,018$ (3,053)$ (4,731)$ (7,784)$ 869,439 Balance at December 31, 2010$ 50,427$ 4,571 $ 567,681$ 5,906$ - $ 5,906$ 628,585Comprehensive income - - 91,384 (3,403) (2,387) (5,790) 85,594Stock options settled (note 9(A)) 4,237 (933) - - - - 3,304Amortization of fair value of employee stock options (note 10(A)) - 1,231 - - - - 1,231Repurchase of shares (note 9(A)) (121) - (4,147) - - - (4,268)Dividends paid ($0.36 per share) - - (12,511) - - - (12,511)Balance at June 30, 2011$ 54,543$ 4,869$ 642,407$ 2,503$ (2,387)$ 116$ 701,935The accompanying notes are an integral part of these unaudited interim consolidated financial statements.Consolidated Statements of Cash Flows For the six months ended thousands of Canadian dollars (Unaudited) June 302012 June 302011 CASH FLOWS FROM OPERATING ACTIVITIES Net income for the period$ 105,764$ 91,384Adjustments to determine cash flows relating to operating activities: Deferred income taxes (1,244) (54) Amortization of capital assets 1,569 1,430 Amortization of intangible assets 3,218 30 Amortization of net premium on securities 1,461 295 Amortization of securitization and senior debt transaction costs 6,604 5,711 Provision for credit losses 6,796 2,191 Change in accrued interest payable 20,108 17,721 Change in accrued interest receivable (3,104) (2,198) Realized net gains and unrealized losses on securities and mortgages (1,984) (4,170) Settlement of derivatives (370) (3,828) (Gain) loss on derivatives (3,010) 1,613 Net increase in mortgages (875,750) (1,161,993) Net increase in personal and credit card loans (7,904) (67,351) Net increase in deposits 1,085,340 133,979 Proceeds from obligations under repurchase agreement 43,418 - Activity in securitization liabilities Proceeds from securitization of mortgage-backed security liabilities 53,153 811,189 Settlement and repayment of securitization liabilities (454,516) (271,097) Amortization of fair value of employee stock options 972 1,231 Changes in taxes payable and other (4,031) 10,398 Cash flows used in operating activities (23,510) (433,519)CASH FLOWS FROM FINANCING ACTIVITIES Repurchase of shares (3,570) (4,268)Exercise of employee stock options 5,390 3,304Issuance of senior debt - 149,043Dividends paid to shareholders (14,598) (12,504)Cash flows used in financing activities (12,778) 135,575 CASH FLOWS FROM INVESTING ACTIVITIES Activity in securities Purchases (531,589) (224,431) Proceeds from sales 185,453 174,235 Proceeds from maturities 26,873 54,268Purchases of capital assets (3,475) (1,381)Purchases of intangible assets (5,450) (8,509)Cash flows used in investing activities (328,188) (5,818)Net decrease in cash and cash equivalents during the period (364,476) (303,762)Cash and cash equivalents at beginning of the period 665,806 846,824Cash and Cash Equivalents at End of the Period (note 4(A))$ 301,330$ 543,062Supplementary Disclosure of Cash Flow Information Dividends received on investments$ 6,227$ 7,575Interest received 240,433 349,357Interest paid 333,836 187,969Income taxes paid 43,874 19,851The accompanying notes are an integral part of these unaudited interim consolidated financial statements.Caution Regarding Forward-Looking StatementsFrom time to time Home Capital Group Inc. (the "Company" or "Home Capital") makes written and verbal forward-looking statements. These are included in the Annual Report, periodic reports to shareholders, regulatory filings, press releases, Company presentations and other Company communications. Forward-looking statements are made in connection with business objectives and targets, Company strategies, operations, anticipated financial results and the outlook for the Company, its industry, and the Canadian economy. These statements regarding expected future performance are "financial outlooks" within the meaning of National Instrument 51-102. Please see the risk factors, which are set forth in detail on pages 48 through 58 of the Company's 2011 Annual Report, as well as its other publicly filed information, which are available on the System for Electronic Document Analysis and Retrieval (SEDAR) at www.sedar.com, for the material factors that could cause the Company's actual results to differ materially from these statements. These risk factors are material risk factors a reader should consider, and include credit risk, liquidity and funding risk, structural interest rate risk, operational risk, investment risk, strategic and business risk, reputational risk and regulatory and legal risk along with additional risk factors that may affect future results. Forward-looking statements can be found in the Report to the Shareholders and the Outlook Section in the quarterly report. Forward-looking statements are typically identified by words such as "will," "believe," "expect," "anticipate," "estimate," "plan," "may," and "could" or other similar expressions. By their very nature, these statements require the Company to make assumptions and are subject to inherent risks and uncertainties, general and specific, which may cause actual results to differ materially from the expectations expressed in the forward-looking statements. These risks and uncertainties include, but are not limited to, global capital market activity, changes in government monetary and economic policies, changes in interest rates, inflation levels and general economic conditions, legislative and regulatory developments, competition and technological change. The preceding list is not exhaustive of possible factors.These and other factors should be considered carefully and readers are cautioned not to place undue reliance on these forward-looking statements. The Company does not undertake to update any forward-looking statements, whether written or verbal, that may be made from time to time by it or on its behalf, except as required by securities laws.Assumptions about the performance of the Canadian economy in 2012 and its effect on Home Capital's business are material factors the Company considers when setting its objectives and outlook. In determining expectations for economic growth, both broadly and in the financial services sector, the Company primarily considers historical economic data provided by the Canadian government and its agencies. In setting and reviewing the outlook and objectives for 2012, management's expectations continue to assume:The Canadian economy will produce modest growth in 2012, but will be heavily influenced by the economic conditions in the United States and global markets. Inflation will generally be within the Bank of Canada's target of 1%-3%.Interest rates will remain at current rates or increase marginally in 2012 as the Bank of Canada leaves its target for the overnight rate at its current level or modestly increases the rate later in 2012. The housing market will remain resilient to global uncertainty with balanced supply and demand conditions in most regions. Declining housing starts and flat resale activity on stable prices through most of Canada will continue with the market activity moderating from previous activity levels.Unemployment will remain stable or improve slightly as the economy grows, while a larger labour force will tend to offset job growth.Consumer debt levels will remain serviceable by Canadian households.Net interest margins overall are expected to remain in the current range. Margins are expected to remain stable as returns on the increased traditional portfolio offset declining returns on the securitized portfolio throughout 2012.Credit quality will remain sound with actual losses within the low end of Home Capital's historical range.The recent changes to Canada Mortgage and Housing Corporation (CMHC) policies will help to temper the real estate market.Non-GAAP MeasuresThe Company applies IFRS which are the generally accepted accounting principles (GAAP) for Canadian publically accountable enterprises. The Company uses a number of financial measures to assess its performance. Some of these measures are not calculated in accordance with GAAP, are not defined by GAAP, and do not have standardized meanings that would ensure consistency and comparability between companies using these measures. Definitions of non-GAAP measures can be found under Non-GAAP Measures in the Management's Discussion and Analysis included in the Company's Second Quarter 2012 Report.Regulatory FilingsThe Company's continuous disclosure materials, including interim filings, annual Management's Discussion and Analysis and audited consolidated financial statements, Annual Information Form, Notice of Annual Meeting of Shareholders and Proxy Circular are available on the Company's website at www.homecapital.com, and on the Canadian Securities Administrators' website at www.sedar.com.Home Capital Group Inc. is a public company, traded on the Toronto Stock Exchange (HCG), operating through its principal subsidiary, Home Trust Company. Home Trust is a federally regulated trust company offering deposits, residential and non-residential mortgage lending, securitization of insured residential first mortgage products, consumer lending, Visa products and payment card services. Licensed to conduct business across Canada, Home Trust has branch offices in Ontario, Alberta, British Columbia, Nova Scotia, Quebec and Manitoba.SOURCE: Home Capital Group Inc.For further information: Gerald M. Soloway, CEO, or Martin Reid, President 416-360-4663 www.homecapital.com


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Revgear has made it their mission to seek out and endorse top quality athletes across a range of combat sports in order to show that
The February 2015 issue of Black Belt Magazine, the World's Leading Magazine on Martial Arts, recently featured the Revgear Motion Master Grappling Dummy. Designed by
Larissa Reis is an IFBB Pro Figure Model as well as fitness model, actress and restauranteur. She's now added MMA training to her arsenal and
Erik 'Chainsaw' Charles is a former professional MMA fighter and now professional trainer. Erik is a long time supporter of the Revgear brand and Revgear
Thank you to everyone that was a part of Revgear University. The event was everything I envisioned and more. I can't recall a time in
The Triumph United Seminar Series continues with the man who has NEVER been submitted in competition, former King of the Cage Middleweight Champion Dean Lister.
The Revgear World Open – Denver will take place this weekend, June 28th, 2014, at the Parker Field House in Parker, CO. In addition to
What was your first experience with Martial Arts? I started and began to learn Brazilian Jiu-Jitsu for self-defense at the age of 14 years old when I was a teenager
What was your first experience with Martial Arts? UFC veteran Terry Etim came to my college to learn Wrestling. I gave him some wrestling knowledge, and in return he taught
Take 6 with Revgear – UFC Middleweight Chris Camozzi What was your first experience with Martial Arts? My first experience with Martial Arts goes way back to when I was
This week we venture back to "the art of eight limbs." Combos are advanced techniques and take time to incorporate into your style. But once grasped the effectiveness of a
Jiu Jitsu is this week's discipline and we have Scotty Epstein and Niko Radich here to show you the proper way to land a Guillo-stein. Watch how Scotty snaps his
This week we have an all new Muay Thai technique presented to you by Alan Jouban. Combos are a great way to gain an advantage over your opponent. Mixing up kicks
This week we have a wrestling technique for you. In wrestling, your setup is just as important as your take-down. In this video, Curtis shows you the benefits of the
We have all seen the damage an arm bar can do in Jiu Jitsu. But what happens when your opponent figures out your set up move? Or maybe your rubber


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Christmas Bread
24 Jul 2010
|Active dry yeast
|1⁄4 Ounce (1 Package)
|Warm water
|3⁄4 Cup (12 tbs) (110 To 115 F)
|Evaporated milk
|3⁄4 Cup (12 tbs)
|1⁄3 Cup (5.33 tbs)
|1⁄3 Cup (5.33 tbs)
|1⁄2 Teaspoon
|All-purpose flour
|4 1⁄2 Cup (72 tbs) (Divided)
|Chopped mixed candied fruit
|1 Cup (16 tbs)
|Confectionery sugar
|1 Cup (16 tbs)
|2 Tablespoon
|Vanilla extract
|1⁄4 Teaspoon
In a mixing bowl, dissolve yeast in water.
Add evaporated milk, sugar, shortening, salt, eggs and 2 cups of flour; beat until smooth.
Stir in fruit and enough remaining flour to form a soft dough (do not knead).
Place in a greased bowl.
Cover and let rise in a warm place until doubled, about 1-1/4 hours.
Punch dough down.
Turn onto a floured surface; knead 3-4 minutes.
Pat evenly into a greased 10-in.tube pan.
Cover and let rise in a warm place until nearly doubled, about 45 minutes.
Bake at 375° for 30-35 minutes or until golden brown.
Remove from pan to cool on a wire rack.
Combine confectioners' sugar, milk and vanilla; drizzle over bread.
Garnish with candied fruit if desired
Rate It
0 Comments
Christmas Bread Recipe


text:
Latest Texas news, sports, business and entertainment
Monday, January 26
Teen in custody after infant found dead in Dallas apartment
DALLAS (AP) — A 14-year-old girl is being questioned in the death of an infant found dead in a Dallas apartment.
Police say a preliminary investigation indicates the teenager drowned the 3-month-old child while the mother was away from the residence. The body of the infant was found in the apartment when police arrived Monday morning.
Authorities say the teenager was related to the baby. A second teen was found in the home when police arrived and is considered a witness. Police do not believe the second teen was involved in the child's death.
No other information was immediately available.
Man who shot Bexar County deputy gets 40 years in prison
SAN ANTONIO (AP) — A man who shot a sheriff's deputy as he tried to serve him with several warrants at a house outside of San Antonio has been sentenced to 40 years in prison.
Juan Daniel Gonzales Jr. pleaded no contest Friday to attempted capital murder of a police officer. The 40-year-old was then sentenced to 40 years in prison as part of a plea agreement.
He was arrested in February 2013 after twice shooting Bexar County Sheriff's Deputy Jose Esquivel in 2013. Esquivel, who was wearing a bulletproof vest, was shot in the arms. He survived.
Esquivel fired back 14 times at Gonzales, who was hiding in the laundry room. But Gonzales was not struck.
The warrants accused Gonzales of felony theft, retaliation and failing to register as a sex offender.
Masked robber killed in shootout with store clerk
(Information in the following story is from: Tyler Morning Telegraph, http://www.tylerpaper.com)
TYLER, Texas (AP) — Authorities say a masked robber has been killed during a shootout with a convenience store clerk just outside of Tyler.
Smith County Sheriff Larry Smith tells the Tyler Morning Telegraph that the first deputy to arrive on the scene Sunday evening found a man dead on the floor wearing a mask with a gun next to his body.
The male clerk was not injured. Authorities did not say how many times the robber was hit by gunfire.
Early in the investigation, officials believed several rounds were fired.
Lt. Gary Middleton says "we believe somewhere around six rounds were fired, with a few being fired from both parties."
Middleton said no suspect vehicle was found at the location.
First candidate enters Houston mayoral race
(Information in the following story is from: Houston Chronicle, http://www.houstonchronicle.com)
HOUSTON (AP) — The first official candidate has entered the race to become the next mayor of Houston.
The Houston Chronicle reports that Chris Bell, a former city councilman and one-term Democratic congressman, formally announced his campaign for mayor on Sunday.
The race to replace term-limited Mayor Annise Parker is expected to be wide-open and hotly contested.
Bell, a Democrat, vowed to modernize how the city fills potholes and fixes sidewalks. He believes infrastructure is the issue that will persuade Houston voters to cast a ballot for him in November.
Several other candidates have signaled that they'll join Bell in the field. Those include state Rep. Sylvester Turner and city councilmen Oliver Pennington and Stephen Costello.
Galveston County officials want to root out beach squatters
(Information in the following story is from: The Galveston County Daily News, http://www.galvnews.com)
GALVESTON, Texas (AP) — Galveston County officials are seeking a change in state law to help them root out squatters living on beaches on Bolivar Peninsula.
County commissioners will push the state Legislature this session for a change in the Texas Natural Resources Code to allow counties bordering the Gulf of Mexico to ban full-time living on unincorporated beaches, most of which are found on Bolivar Peninsula.
Commissioner Ryan Dennard tells The Galveston County Daily News that cities have the power to regulate camping on beaches, but counties responsible for unincorporated areas do not have the regulatory power without a change in state law.
He says "people have set up these makeshift camps and stay for a really, really long time and there are health and safety issues that come up."
Contractor leading Joplin redevelopment closes offices
(Information in the following story is from: The Joplin (Mo.) Globe, http://www.joplinglobe.com)
JOPLIN, Mo. (AP) — A Texas-based contractor hired to lead Joplin's recovery from the 2011 tornado apparently has left the city without notice.
The Joplin Globe reports Wallace Bajjali Development Partners is no longer operating out of its offices in Joplin and left no forwarding address.
A phone call Monday from The Associated Press to the company's headquarters in Sugar Land, Texas, did not connect and an email did not receive a response. The Globe reports repeated efforts to reach company officials by phone or email since last Thursday have been unsuccessful.
The city of Joplin has paid the company about $1.7 million in development fees as of August.
Mayor Mike Seibert said city officials don't know the firm's status but the contract with Wallace Bajjali is still in effect.


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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
39 year old man | North Park, CA, USA | Seeking women 24-40 within 50 miles of San Diego, CA
The Best Red Can Get
Originally from New Jersey, I'm approaching year 15 in CA. All in San Diego except for a year and a half stint in SF that ended about 3 months ago. It's great to be back in SD. I'm looking for something long term but I'm in no rush to get there. I don't have a specific type though I can tell pretty quickly if it will make sense. Simply, I'm looking for someone to enjoy life with! Fun, enthusiastic, sweet and adorable are what I would describe anyone I've ever dated. Maybe I actually do have a type?? I'm a big music and sports and love to see live events. Let's do this!
Alumni connections , Camping , Coffee and conversation , Business networking , Dining out , Movies/Videos , Music and concerts , Exploring new areas , Nightclubs/Dancing , Playing cards , Playing sports , Travel/Sightseeing , Volunteering , Watching sports , Wine tasting
Baseball, Basketball, Billiards / Pool, Bowling, Dancing, Football, Golf, Hockey, Running, Skiing, Soccer, Tennis / Racquet sports, Walking / Hiking, Yoga
I exercise 3-4 times per week.
I like Dogs
Middle of the Road
James Madison University, Harrisonburg, VA
Live music, playing guitar, soccer, golf, Spotify, kickball, driving like I'm from Jersey, beers, restaurants, food and a great laugh!
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'8" (172cms)
|4'10" (147cms) to 5'5" (165cms)
|Body type:
|Athletic and toned
|Athletic and toned
|No preference
|Auburn / Red
|Auburn / Red, Black, Light brown, Dark brown, Blonde, Dark blonde, Platinum
|No Way
|No Way, Occasionally, Yes, but trying to quit
|Social Drinker, Moderately
|Sales / Marketing
|No preference
|$100,001 to $150,000
|No preference
|Never Married
|No preference
|Have kids:
|Yes, and they sometimes live at home, No, Yes, and they live away from home, Yes, and they live at home
|Wants kids:
|Definitely, Someday, Not sure
|White / Caucasian
|Latino / Hispanic, White / Caucasian
|I'll tell you later
|No preference
|No preference
|Bachelors degree
|Some college, Bachelors degree


text:
Picture: Actor Kris Marshall 6th International Rome Film Festival - 'A Few Best Men' - Premiere Rome, Italy - 28.10.11
British actor Kris Marshall got married in a traditional white wedding ceremony on Saturday (04Feb12) after severe snowfall hit the U.K.
The Love Actually star proposed to Hannah Dodkin in November (11), and the pair quickly organised a traditional ceremony in his native Somerset, England.
They exchanged vows in front of 30 guests at the Swan Hotel, and walked out to be greeted by a thick blanket of snow, which had started to fall across England in the afternoon.
Marshall had previously said his TV wedding as part of a longrunning advertising campaign for British telecommunications firm BT had put him off having a big wedding.


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1. Preheat oven to roast at 400 degree, before searing the steak.
2. Peel and mince the garlic.
3. Pour four cups of water to a medium sauce pan, once the water comes to a boil add the green beans and boil them until fork tender.
4. Rinse steak under cool water, and pat dry with a paper towel.
5. Carefully trim any silver skin from the steak.
6. Once the beans are done drain the water and keep it aside.
7. Heat a cast iron skillet over medium heat and melt the butter until brown.
8. Sear steak for 2-3 minutes on each side, flipping once.
9. During the last minute of searing on the second side, sprinkle the top of the steak with truffle salt, minced garlic, and top with lemon thyme sprigs.
10. Remove from heat, and place skillet in the oven.
11. Roast the steak in the preheated oven for 10-15 minutes.
12. In the meantime in a small pan slightly toss the green beans in butter. Season with salt.
13. Remove steak from oven, and allow to rest for 10 minutes.
14. Thinly slice the steak against the grain
15. Serve with tossed greens beans in butter.


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Imelda's joy as baby Violet arrives
Published 25/08/2012 | 05:00
ROCK-A-BILLY star Imelda May, is now the proud mother of a baby girl, she revealed last night.
Earlier this year, the Liberties belle announced she was expecting her first child with guitarist husband Darrel Higham.
Yesterday afternoon, the 38-year-old informed fans via her Twitter page she had given birth to a daughter.
"Darrel and I are pleased to announce the arrival of Violet Kathleen Higham -- our beautiful baby daughter, born August 23 2012," she wrote.
The singer, who hails from the heart of Dublin's Liberties, kept up her touring schedule until late in her pregnancy and performed at an outdoor festival in late June.
She was a major hit during 'The Late Late Show' 50th anniversary celebrat-ions earlier in the summer where she showed off her baby bump in a green dress.
Irish IndependentFollow @Independent_ie


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The Maryland House of Delegates on Wednesday gave positive signals during its second reading of marriage equality legislation, rejecting all Senate amendments, one of which would have put the legislation before voters in a referendum.
From Metro Weekly:
Amendments proposed on the House floor included one by Del. Andrew Serafini (R-Washington County) to change the name of the bill from the Civil Marriage Protection Act to the "Same-Sex Marriage Act." That was rejected 52-85.
The House spent the majority of the debate on a floor amendment proposed by Del. Aisha Braveboy (D-Prince George's County) to ensure that the bill is partnered with another bill that would guarantee that the marriage legislation goes to referendum.
Maryland's House is comprised of 141 delegates, from 47 districts, of which 98 are Democrats and 43 Republicans.
Senate Bill 116 passed the Senate on Feb. 24, with a 25-21 vote. Passage of the bill in the House would send the legislation to Gov. Martin O'Malley's (D) desk.
Wednesday's action on the bill was also notable because it prompted one lawmaker, Del. Peter Murphy, to come out in an exclusive interview with Washington Blade:
Del. Peter Murphy (D-Charles County), a divorced father of two who also has two grandchildren, said his colleagues and family have known for years that he is gay.
"I have never denied [being gay]," Murphy said, "I just presumed people knew."
Murphy's announcement brings to eight the total number of openly gay and lesbian members of Maryland's legislature, the most of any state in the country. There is one openly gay state senator — Rich Madaleno — and now seven members of the House of Delegates.
Read more at Washington Blade.
The final vote in the House of Delegates could occur as soon as Friday, March 9. While advocates are cautious, they are also optimistic that the votes will be there when it is time to act on the legislation.
The bill was approved two weeks ago by the Senate and if it remains free of amendments the House will be able to send the legislation directly to Governor O'Malley's desk. O'Malley has indicated that he will sign the bill into law should it reach his desk.
Opponents are keen to put the legislation to a referendum knowing that, if subjected to a popular vote, marriage equality can still be effectively mobilized against.
Read more: civil rights, defense of marriage act, doma, gay rights, lgbt rights, marriage equality, maryland, maryland marriage equality, obama
Photo used under the Creative Commons Attribution License, with thanks to Alex-S.
Go Maryland..!!!!!!!!!!!! Someone has to get the ball rolling here so everyone else can follow. California tried and failed but they have a Republican Governor. I guess it's up to Maryland. Hope they do the right thing and pass this.
What a great step foward!
Hurray for Maryland! You will soon enter the good book!
Make me proud to say I'm a native Marylander!
States fighting marriage equality for everyone are on the losing side, of this issue.
It's simply a matter of time.
Way to go, Maryland.....
dang stuck keys, that should read rational.
Will Maryland join with the ration states on this issue? That is equality.
great article
Thanks for the article.
Disclaimer: The views expressed above are solely those of the author and may
not reflect those of
Care2, Inc., its employees or advertisers.
Finally, here it is. Shame on you, Cosby.
They BETTER not


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Offline PD Business Question
by burtf1951, Creator
- Created: January 22, 2011, 7:46 pm
I've been thinking about the feasibly of using Public Domain images to sell offline. My idea is to use PD images..ie..famous artist, old posters, landscapes, etc..various images in PD with no copyright restrictions. I would want to matte or frame these images and start out placing them in various shops, galleries, home decor, furniture stores on consignment.
I know the biggest expense would be a commercial printer, with matte and framing material next.
So my question is the legalities of image use, could this be a viable business etc etc.
So what you folks think? 1. Forget It! 2. Get a real job. 3. Maybe, do more research. Yes, doable!
I appreciate your feedback...
‹ Do you serve or sell to the Senior Citizen population? If your self employed, are you responsible for paying yourself? ›
NicoleD | Former Moderator | 11/13/2009 - 10:13 am
burtf1951 - Before you proceed with public domain images, you should consider if the images are entitled to separate copyright protection by the original photographer or artist. Here is a guide to help you identify copyright and fair-use images.* *hyperlink goes to a non-government website
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Jayshree's Visa -- FINALLY!
Jayshree: "My visa is just got stamped & the visa officer asked me to enjoy Morocco. Oh Yeah...see you all at Casablanca."
Why yes, Jayshree, yes we will! And we're really looking forward to hearing the sordid details of this Visa fiasco. Your application was submitted months ago and it's just now being approved with four days left until departure? That, there, is some amazing bureaucratic heel dragging.
The Continuing Saga of Jayshree's Visa
... Nothing stops you from joining me. It's all so damn funny ��
Louise: "So....what in the WORLD are those visa people waiting for???? I think they just like the power of making you wait and wait and wait..... You can manage to stop traffic in Delhi to help some nervous American women cross a street, and convince airlines to take overweight bags....Can't you just go to the office and ...
Random E-Mails
... quick-dry, lightweight, Crocodile Dundee clothing is that, if the airline loses my luggage, I can just lather my outfit with a bit of Leslie's emergency shampoo, hose myself down, and drip dry. I'll just keep doing that on a daily basis until my suitcase catches up with me."
Leslie: "There you go, showing off about "lightweight" again! I'm adding a cinder block to MY packing list, which ...
Leslie "… Mosquito repellant, sunscreen … I will probably pack my hiking boots, too, for some hiking opportunities. Anyone else?"
Laura: "Do you even need to ask me about hiking boots? (I'll be bringing my hiking poles too)."
The Weather Forecast
... for Jayshree, but Jayshree will be responsible for bringing her own pogo stick, as per the March 19th blog entry.
As the packing list continues to grow, Louise informed us that "…in addition to two fleeces, one for Jayshree, various shoes, scarves flashlight etc. I am not going to even try to pretend I will pack light! See you at ...


text: Black Tiger Cub Is Young, Rare, Super-Cute 58 Katharine Trendacosta shared a post by Jay HathawayEditDelete Invite manuallyPromoteXDismissXUndismissBlock for io9Hide Good news for people who love tiger news: This 25-day-old black tiger exists. The unnamed, cute-as-hell cub resides in Hangzhou, eastern China, where it uses a dog as a wet nurse and "owns the color of black due to pseudo-melanism," according to ChinaFotoPress. » 8/29/14 3:06am 8/29/14 3:06am


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VIDEO: A DJ Must Lose Weight Before Proposing on Next EXTREME WEIGHT LOSS
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June 18, 2015
|Related: EXTREME WEIGHT LOSS, ABC, previews & teasers, Reality TV
On the next episode of ABC's EXTREME WEIGHT LOSS, a music producer and DJ with a food addiction is motivated to safely lose half his body weight so he can propose to his girlfriend. Get a sneak peek below!
Mehrbod, a 32-year-old music producer and DJ now living in Los Angeles, CA, is a child of the Iran/Iraq war who fled to America with his family when he was very young. Mehrbod was taught at an early age that food was scarce and one should eat whenever food is available; he currently weighs 434 pounds. Except for the weight and a food addiction preventing him from fully enjoying his life, Mehrbod has it all -- a devoted girlfriend, a supportive family and a career full of potential.
When trainer Chris Powell learns that Mehrbod has a history of losing and regaining weight, he vows to help Mehrbod safely get to his weight goal in one year. If he reaches his first weight loss milestone, Chris will help him purchase an engagement ring to give to his girlfriend. Another successful weight loss milestone could give Mehrbod the opportunity to ski with Chris in Whistler, British Columbia alongside World Cup alpine ski racer and Olympic gold medalist Picabo Street.
But after his triumphant record breaking weigh-ins, a personal setback causes Mehrbod to fall back into his food addiction, jeopardizing his chances of reaching once attainable goals, on "Extreme Weight Loss," TUESDAY, JULY 16 (8:00-10:00 p.m., ET), on the ABC Television Network.
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- CNBC to Air THE MAKING OF DIG, the USA Network Event Series, 3/1
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Zombie god!
I am the god of the undead who controls all the zombies and other dead things from games to real life and it's always a pleasure to see who dies! me and my minions don't give up easily so always be prepared for a fight. Also a reviewer at eShop Gurus and owner of Nintendo Friends!
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Recent Comments
SHOOT SHOOT BLOOD GUTS JOY!...ahem will keep a look out for this...
His job is on the line! it's kill Bill or Bill kill!
Welp...it seems that if anyone wants this game, they are forced to pre order.
Nothing for mii which is alright since I just got all Sega 3D classics before the sales ended.
Now if it was also not on ranked...
Seems cool, but how does the rest of the world get super saiyan 4 if no where else got that other game.
That`s a lot of day 1 DLC....
Got all the smash DLC on both versions.
Looks fun to me, not disappointed if Samus isn't there, games did this sort of thing before and they weren't bad, now to get a team!
I usually don't care about amiibo but what they did with Splatoon was the worst case I think and felt forced to get the three pack, at least they look nice.
Nice that they got to old virus's back, but would be nice if you could switch around with the Dr Luigi ones, also would be nice to use mii's again.
Beaten single player and half the amiibo challenges yesterday along with getting to level 7 online, got to try to beat the rest of the challenges soon...and get the useless scrolls =w=
Didn't hear about this until now...guess that was a good thing, sticking with the 3DS games.
US will have it's contest, Canada will have it's frozen yogurt...I'm not even mad (even though it goes right through mii...)
And like that the Splatoon theme isn't on the theme store while the others are....
Getting the Splatoon theme and probably the game physically tomorrow...now if I can get the three pack.
Battleminer now has online and improvements if anyone was interested, seems worthwhile to look at it while the price is down.
Meanwhile in NA with all the good rewards sold and pricey games.
Wonder why they didn't have the Club Nintendo theme, also we need these in NA, should have enough to buy one I hope if it comes out.
Just waiting for the cards, hopefully they will be easier to mass produce so getting game content won't be so bad.
They can put as much Pokemon Shuffles on smart devices as they want, won't be interested unless there is a actual decent game on there.
Hopefully a sale isn't far off, and hopefully by that time the theme won't be gone.
@Quorthon If it was a alternative then that would be pretty good, however I doubt they would do such a thing, whatever the amiibo does would be exclusive to that one method, we would know from MK8, HW, and the upcoming Splatoon game that has locked content that can only be obtained by amiibo's, wouldn't mind a bit more money but not the whole works.
So the game has online multiplayer, heard that it didn`t but Atlus did say it does so I will probably get it.
@ColdingLight Says you can get the theme in NA, however you can only get it by buying the game.
@khaosklub You.....I like!
Pretty sure the Mario one was a Japanese Club Nintendo platinum reward one year.
Got Mewtwo on the 15th and really enjoy using him, also might get Cube Creator 3D.
Got all the Mii DLC outfits and Mewtwo on both versions yesterday, I will be good for a while longer.
Sheik and Sonic got nerfed as well, Kirby got buffed, but that's all I know of.
People are celebrating with this vid, everything is pretty great. https://youtu.be/RFZzMbI-mSo?t=23s
They should also add the feature of making the shadow ball charge do damage to enemies like Lucario's, Mewtwo was able to do it in Melee.
Got all mii DLC on both versions and waiting for Mewtwo codes, everything is just so good.
Physical day 1 DLC that's already on the disc....YAY I'm not interested....
I doubt any assist characters/pokemon will be made into full characters, there is one character that I would like to have the most when it comes to being new to smash, that character is Marx from Kirby, other then that I would like Wolf back, then anyone else can come.
Deleted the game a few weeks back, felt great ever since.
Pretty sure Lucas would be the same price as Mewtwo, welp I'm getting everything, managed to make the Dunban mii from the direct and got a Protoman mii ready for their outfits, just as excited with the outfits as the characters.
Guess they made Dunban as a mii since he is apart of Shulks final smash, Protoman is there just so you can have him without making a full character, finally X would of been nice for a alt costume.
Feels nice that CN members get him two weeks early, he was fun to use and if you watch the video you will know some of the benefits he has! that side B everyone didn't like is both a move and a reflector, hope his down B effects every sized character this time around though.
Now if 7 could have this along with DLC...yes people still like portable Mario Kart Nintendo.
All I enjoyed from the direct was the smash DLC, Attack on Titan game, some of the indie games and maybe something else that I'm forgetting.
I really didn't like the fact of more amiibo stuff and more freemium game stuff, at least they talked about the amiibo cards and I hope every amiibo becomes a card, just hope they are mass produced, no exclusives, work on every game like the figures, cheaper.
I'm done with all this freemium pokemon games, would get the previous games if I wanted to play them.
All I want is Mewtwo's release date.
@LordGeovanni Yep
RIP CN, I can't make thee undead, however it ain't so bad that tomorrow I get two platinum rewards!


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Expert Q & A | Steven Pifer
February 13, 2013
By: Steven Pifer
In his State of the Union Address, President Obama pledged to engage Russia in talks that would ultimately lead both countries to further reduce their nuclear arsenals. Senior Fellow Steven Pifer, director of the Arms Control Initiative at Brookings, agrees that such a move is the right course of action for these two world powers. Pifer says the U.S. and Russia should work toward a new strategic arms reduction agreement.
Possible Scope and Conditions for Information-Sharing and Confidence-Building Measures Regarding Non-Strategic Nuclear Weapons in Europe
February 7, 2013
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Customer Reviews
2 Item(s)
- Not what was pictured Review by Cb
Price Value Quality
I ordered based on the one review, the picture, and the fact that I needed a vegetarian dish for Christmas. I received Zucchine Gratinate that was more like stuffed Zucchine strips. they were tasty, but some thought there was too much oil.
(Posted on 1/7/15)
- Everyone wanted the recipe Review by Countryrn
Quality Price Value
We took (2) of these out of the orginial containers and put them in lasagna casserole dish and it was perfect. Served it at Christmas and everyone loved it and asked for the recipe.
I have learned that cooking times vary with these products (usually need more time) and to change the containers they come in.
Reordering for Easter since it was such a hit
(Posted on 3/18/14)
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We created Pandora to put the Music Genome Project directly in your hands
It's a new kind of radio –
stations that play only music you like
Bullet Proof..I Wish I Was
Features of This Trackmellow rock instrumentation
major key tonality
a vocal-centric aesthetic
a dynamic male vocalist
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
Similar Tracks
I know lots about art... and I have good grammar. As with many things in life, one does not necessitate the other.
Incidentally . . . this song is awesome.
Bulletproof. . . I am definitely not, but would also like to be.
Grammaticall y incorrect ellipses: in this comment there are many! (don't care... me, in turn)


text:
Alex Ovechkin heads in right direction for Caps
As for why Oates' plan made sense, McPhee explained: "It had gotten stale on the left side. It had gotten a little bit too predictable. ... Teams started making adjustments to play him over the years, and the game changed a lot over the years, with clogging up the neutral zone again. So he had to adjust, and Adam helped him with that."
Oates understood why Ovechkin might have harbored doubts, though.
"'I need kind of my security blanket,' in a sense," is the way Oates described his player's hesitation about leaving the left side.
"I was totally comfortable with that," Oates said. "Like I said to him all along, 'It's going to be your call, eventually.' I wanted to keep testing the water ... and we got to a point where he said, 'Sure.'"
Ask around the locker room, and there are other explanations offered for why Ovechkin is scoring so much again.
Teammates are quick to note that center Nicklas Backstrom is healthy after missing 40 games with a concussion last season; his 40 assists ranked third in the NHL. Others say Ovechkin is getting more mature as he gets older and growing into his role as captain. Some even point to his engagement to top-20 professional tennis player Maria Kirilenko, which Ovechkin himself says "helped me a lot."
The most obvious difference on the ice, though, is that move to the right, something Oates calls an example of Ovechkin being "unselfish."
"Everybody had him down as some sort of superhuman. Batman or Superman. (But) opponents were learning and catching on to tendencies he had, and now that he switched over to the right side, it's kind of giving a different look ... and opens up some more space," forward Joel Ward said. "It's no secret: Anytime you've got a guy that can hit a home run, it's always beneficial. He can score from nothing."
Nowadays, with the postseason getting started, Ovechkin sees the advantages.
"Different angles all the time," he said. "I can have more puck possession and touches."
And, so far, more goals.
Note: "As long as there are no setbacks," Oates said, Ward is expected to play Thursday after missing the last nine regular-season games with a left knee injury. Oates called it "really encouraging" that Ward "took a full practice at full speed" Tuesday.
Follow Howard Fendrich on Twitter at http://twitter.com/HowardFendrich


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The big buzz coming out of this year's Value Investing Congress, which recently concluded this week in New York City, is the bomb dropped by David Einhorn. His firm, Greenlight Capital, is short Florida landowner St. Joe (NYSE:JOE). As news of his position hit the airwaves, shares in St. Joe began falling fast and by the end of the day, shares were down by 10% on volume of nearly 13 million shares. The average daily volume is just under 700,000 shares.
IN PICTURES: 9 Simple Investing Ratios You Need To Know
The Choice is Yours
Without question, when Einhorn shorts a stock, it pays to pay attention. Two years ago, Einhorn was public about his concerns for Lehman Brothers and was short the stock. When Lehman went bankrupt, Einhorn was crowned king. Aside from Lehman, Einhorn has also had a couple of other publicly stated short positions work in his favor. Einhorn is regarded as a very meticulous investor - he made his short case on St. Joe with a 150-slide presentation. According to Einhorn, St. Joe's real estate assets are a "ghost town." In his opinion, the company will have to incur significant impairment charges due to accounting rural land as developed.
Don't Bet the Farm
While Einhorn's case theory on St. Joe is compelling, it's not a slam dunk, and he acknowledges this by saying he will lose a lot of money if he is wrong. St. Joe has no net debt, a distinction shared by one other significant publicly traded land company, Tejon Ranch (NYSE:TRC). That's a big deal, considering most land companies have no way to service the debt, especially St. Joe, which has significant plots of rural land. Consolidated Tomoka Land (NYSE:CTO) is another name with minimal debt. Otherwise, names like Forest City Enterprises (NYSE:FCE.A) illustrate how much leverage can exist on a balance sheet.
It's hard to see how St. Joe's equity is worthless considering that it owns the most fundamental tangible asset there is - land. In addition, the company owns nearly 600,000 acres of Northwest Florida, a lot of which is waterfront. With a debt-free balance sheet, there is indeed residual value to the equity. If anything, Einhorn may be providing opportunistic investors the chance to pick these shares cheaply, especially if they keep declining, which many think will happen now that he is short. (For related reading, see Should You Follow Your Fund Manager?)
Time for Opportunity
Interestingly, Fairholme Capital Management, run by value legend Bruce Berkowitz, is St. Joe's largest shareholder, owning nearly 30% of the company. Both Einhorn and Berkowitz have incredible long-term track records; however, neither man is perfect. One way or another, St. Joe could soon be providing opportunity to investors. (For more, see Activist Hedge Funds: Follow The Trail To Profit.)
Use the Investopedia Stock Simulator to trade the stocks mentioned in this stock analysis, risk free!


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|ISSN 1088-6826(online) ISSN 0002-9939(print)
Cohen-Macaulayness of tangent cones
Abstract | References | Similar Articles | Additional Information
Abstract: We give a criterion for checking the Cohen-Macaulayness of the tangent cone of a monomial curve by using the Gröbner basis. For a family of monomial curves, we give the full description of the defining ideal of the curve and its tangent cone at the origin. By using this family of curves and their extended versions to higher dimensions, we prove that the minimal number of generators of a Cohen-Macaulay tangent cone of a monomial curve in an affine -space can be arbitrarily large for contrary to the case shown by Robbiano and Valla. We also determine the Hilbert series of the associated graded ring of this family of curves and their extended versions.
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Penco Front Bases - for Lockers with Legs
9" x 6" Dimensions (W x H)
24" x 6" Dimensions (W x H)
18" x 6" Dimensions (W x H)
15" x 6" Dimensions (W x H)
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Penco Front Bases - for Lockers with Legs
Weights & Dimensions
9" x 6" Dimensions (W x H)
24" x 6" Dimensions (W x H)
18" x 6" Dimensions (W x H)
15" x 6" Dimensions (W x H)
12" x 6" Dimensions (W x H)
|Country of Manufacture: United States
About the ManufacturerIn 1869, a man named L. Lewis Sagendorph fulfilled his ambition to begin his own company that would produce the finest metal products in America. He called his fledgling business the Penn Metal Corporation of Pennsylvania, and began by making steel culvert pipe on Oregon Avenue in South Philadelphia.
Over the years, Penn Metal's product lines broadened to include lockers, shelving and even aircraft landing mats. A reputation for quality fabrication spread, and the company's influence became nationwide. In the 1950's, the name was shortened to Penco Products and the plant and offices were expanded to a modern facility in Oaks, Pennsylvania, near Valley Forge, PA.
Penco became a subsidiary of Vesper Corporation in 1979 and continued to grow. In 1994 the company added a manufacturing plant in Salt Lake City, Utah. In 2001, the East coast manufacturing facilities were moved from Oaks to a 400,000 square foot manufacturing facility in Hamilton, North Carolina, allowing significant room for expansion. The corporate headquarters remains in Pennsylvania.
The need for storage products is universal, and Penco's markets span the spectrum of industrial, service, governmental and institutional organizations. Shelving and pallet rack products are popular with warehousing and manufacturing applications, ranging from a few units to multi-level installations. Lockers are widely used in educational facilities, fitness centers, health care, commercial and industrial locations. Other products such as storage cabinets, work benches and shop furniture are used wherever material gets shipped, received or stored.
Penco's mission is to provide customers with value in the form of the finest storage products available.
Penco Front Bases - for Lockers with Legs
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Customer Reviews
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L. from NY – Verified Buyer
The front bases for the lockers worked out fine. No issues with the parts at all. The lockers were on the bigger side, so I think it made it harder to ship. A couple of them came bent. But we're happy with the lockers overall.
OUR SKU # PN1345Front Bases - for Lockers with Legs is also sometimes listed under the following manufacturer numbers: 6021, 602110-924, 60216-924, 60216C-012, 60216C-021, 60216C-028, 60216C-052, 60216C-073, 60216C-701, 60216C-710, 60216C-715, 60216C-720, 60216C-722, 60216C-723, 60216C-736, 60216C-767, 60216C-806, 60216C-812, 60216C-822, 60216C-826, 60216C-848, 60216C-949, 60216C-952, 60217-924, 60217C-012, 60217C-021, 60217C-028, 60217C-052, 60217C-073, 60217C-701, 60217C-710, 60217C-715, 60217C-720, 60217C-722, 60217C-723, 60217C-736, 60217C-767, 60217C-806, 60217C-812, 60217C-822, 60217C-826, 60217C-848, 60217C-949, 60217C-952, 60218-924, 60218C-012, 60218C-028, 60218C-052, 60218C-701, 60218C-710, 60218C-715, 60218C-720, 60218C-722, 60218C-723, 60218C-736, 60218C-767, 60218C-806, 60218C-812, 60218C-822, 60218C-826, 60218C-848, 60218C-949, 60218C-952, 60219-924, 60219C-012, 60219C-021, 60219C-028, 60219C-052, 60219C-073, 60219C-701, 60219C-710, 60219C-715, 60219C-720, 60219C-722, 60219C-723, 60219C-736, 60219C-767, 60219C-806, 60219C-812, 60219C-822, 60219C-826, 60219C-848, 60219C-949, 60219C-952, 60220C-012, 60220C-021, 60220C-028, 60220C-052, 60220C-073, 60220C-701, 60220C-710, 60220C-715, 60220C-720, 60220C-722, 60220C-723, 60220C-736, 60220C-767, 60220C-806, 60220C-812, 60220C-822, 60220C-826, 60220C-848, 60220C-949, 60220C-952


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Jose Canseco had been training for a boxing match with Lenny Dykstra, but Dykstra dropped out. Who's there to answer the call? None other than Shaq. On Saturday, after urging people to tune into the night's UFC bout and prediciting a Cain Velasquez win, Shaquille O'Neal tweeted, "What up Dana white I wanna fight jose conseco hook it up." O'Neal might have spelt Canseco's name wrong, but it's pretty obvious who he's referring to. White, of course, is the current president of UFC. Dykstra and Canseco are two prominent names from baseball's steriod era, and Dykstra claims that Canseco ruined...
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PROJECT: Name a new online sports betting and general casino website.
ZEDBET: Zed is for "Z" in Europe.
BRAND POSITION: This sports betting website serves a vast market including all of Europe, to Russia and Asia. With such a diverse set of countries, languages and cultures making up the site's userbase, the name had to be short, simple, easy for anyone to understand, and available for both trademark AND an exact match .com domain. Zedbet was the winner. "Zed," how the British and many Europeans pronounce the letter "z", maps to the wide variety ("A-Z") of sports that users can bet on using this site, and the name itself is a unique, poetic, half-rhyme with a rhythmic, symmetrical structure that is just plain fun to say, and thus easy to remember. You can bet on it.


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HOME CBS Louisville Cardinals Gear Louisville Cardinals Ladies Louisville Cardinals Ladies Auto Accessories (14 items) Product ID: 1553404
Main Content
Cheer on your Louisville Cardinals with a rectangular 2-pack car magnet set! There is no end to your Louisville Cardinals pride, so why not bring your team spirit to your vehicle? This set features two 5" x 6" rectangular, vinyl magnets that feature a bold Louisville Cardinals graphic.
- Dimesions- 6.25" x 5"
- Printed graphics
- Two-pack magnets
- Vinyl with magnet on back
- Officially licensed
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Elemenosqueeze Blocks
$ 26 Gilt
$ 37
Classic blocks and puzzles, pint-sized easels, and more hands-on favorites.
Little ones have SO much energy (and a short attention span), so keeping them busy is a full-time job. We chose our favorite toys for munchkins here — stuffed animals, wooden blocks featuring letters and numbers, puzzles, books, and dolls they can tote everywhere. Playtime is about to get a lot more fun!
Get their gears turning with colorful blocks, puzzles, and more.
Just what you need to give make-believe a boost


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WAKE FOREST - Myrtle Barham Mangum, 62, died Thursday, Oct. 18, 2007 at her residence. Funeral services will be conducted at 2 p.m. today (Saturday, Oct. 20) in the chapel of Bright Funeral Home in Wake Forest, with the Rev. Dr. Mike Jones officiating. Burial will follow in the Beulah Christian Baptist cemetery.Mrs. Mangum was born in Wake County, the daughter of the late Lucille Perry Barham and Wesley Barham. She was retired from First Union Mortgage and was a veteran of the U.S. Army. She also retired from Northern Wake Rescue, Rolesville station.Surviving: her husband, Harvey Mangum; daughter, Edna "Punkin" Floyd (Tommy) of Wake Forest; sister, Joyce Wall of Knightdale; brothers, Ernest Barham of Exeter, N.H., Charles Barham of Youngsville; one granddaughter; many special nieces and nephews.In lieu of flowers, memorial contributions may be made to Heartland Hospice, 3117 Poplarwood Court, Suite 115, Raleigh, NC 27604.
The Franklin Times, Louisburg, NC 27549, PHONE: (919) 496-6503


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Photo by Steve Cohen
YIELD: Makes 2 servings
Whisk cream in small bowl until slightly thickened but still pourable. Divide rum, Cherry Heering, and brown sugar between 2 warm mugs. Add 2/3 cup hot coffee to each mug and stir to dissolve sugar. Spoon whipped cream atop coffee. Finely grate small amount of orange peel and cinnamon over drinks and serve.


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Find out what happened when sixteen young people from Hackney visited Northern Ireland for a week.
Date: Fridays from 13th January 2012 to 29th June 2012
Category: Sport
Area: Dalston
Venue: The Petchey Academy
Address: Shacklewell Lane, Dalston, E8 2EY
Price: FREE
Organisation: ReachOut!
ReachOut! holds training for boys in Year 7 every Thursday at The Petchey Academy. The session runs from 5.00 - 7.30pm.
The session involves an hour and a half of football coaching, led by an FA Level 2 coach. The coaching is followed by an hour of academic mentoring where young people bring their homework and get help from university volunteers.
There is an option of playing for ReachOut FC on the weekends.
For more information contact Jack Bond, 07985 540 206, firstname.lastname@example.com
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