text:
Press release from PR Newswire
WellPoint Reports First Quarter 2011 Results
Wednesday, April 27, 2011
WellPoint Reports First Quarter 2011 Results06:00 EDT Wednesday, April 27, 2011-- Net income was $2.44 per share, including net investment gains of $0.09 per share -- Medical enrollment grew by 875,000 members, or 2.6 percent, from year-end 2010 -- Selling, general and administrative expense declined by $98 million, or 4.5 percent, from the first quarter of 2010 -- Full year 2011 net income now expected to be at least $6.70 per share, including net investment gains of $0.10 per shareINDIANAPOLIS, April 27, 2011 /PRNewswire/ -- WellPoint, Inc. (NYSE: WLP) today announced that first quarter 2011 net income was $926.6 million, or $2.44 per share, including net investment gains of $35.6 million after-tax, or $0.09 per share. Net income in the first quarter of 2010 was $876.8 million, or $1.96 per share, including net investment gains of $18.6 million after-tax, or $0.04 per share, partially offset by an intangible asset impairment charge totaling $13.7 million after-tax, or $0.03 per share. Excluding the items noted above for each period, adjusted net income was $2.35 per share in the first quarter of 2011, an increase of 20.5 percent compared with adjusted net income of $1.95 per share in the prior-year quarter (refer to GAAP Reconciliation table for a reconciliation to the most directly comparable measures calculated in accordance with U.S. generally accepted accounting principles, or "GAAP")."We are pleased with our positive start to 2011. Our membership and earnings results are higher than we originally anticipated and we are continuing to become a more efficient and effective company, as evidenced by our 4.5 percent reduction in SG&A expenses while serving 363,000 more medical members than we did in the first quarter of 2010," said Angela F. Braly, chair, president and chief executive officer. "While we are becoming more efficient, we are continuing to invest in our future and executing on our strategy to improve the lives and health of our members. As we deliver health care value for our members, we enhance value for our shareholders.""Our first quarter results are a testament to the strong value proposition we create in our efforts to hold down the rate of rising health care costs while improving quality, and our commitment to continuously improve by building a better WellPoint. Based on these results, we are raising our year-end 2011 membership expectation to 33.9 million and increasing our full year earnings guidance," said Wayne S. DeVeydt, executive vice president and chief financial officer. "We are also managing our capital to enhance value for our customers and shareholders. During the first quarter, we paid the first cash dividend in WellPoint's history and also utilized $742 million to repurchase 11.4 million shares on the open market." CONSOLIDATED HIGHLIGHTSMembership: Medical enrollment totaled nearly 34.2 million members at March 31, 2011, an increase of 363,000 members, or 1.1 percent, from 33.8 million at March 31, 2010. The increase was driven by growth of 374,000 members in the National business. Enrollment growth was also achieved in the Company's Senior, State Sponsored and Federal Employee Program ("FEP") businesses, which was offset by membership declines in the Individual and Local Group businesses.Medical enrollment increased by 875,000, or 2.6 percent, from year-end 2010. This increase was driven by growth of 727,000 members in the National business, including 486,000 net new National Account members and 241,000 additional BlueCard members. Enrollment in the Senior business increased by 73,000, and membership grew by 59,000, 52,000, and 5,000 in the Company's FEP, State Sponsored and Local Group businesses, respectively. These increases in membership were partially offset by attrition of 41,000 in the Individual business. Operating Revenue: Operating revenue was approximately $14.7 billion in the first quarter of 2011, a decrease of $188.3 million, or 1.3 percent, from the first quarter of 2010. This decline reflected lower Commercial operating revenue resulting primarily from the conversion of two large groups to self-funding arrangements during 2010, partially offset by revenue growth driven by increases in Senior, FEP and State Sponsored membership. Benefit Expense Ratio: The benefit expense ratio was 82.1 percent in the first quarter of 2011, an increase of 30 basis points from 81.8 percent in the first quarter of 2010. The benefit expense ratio increased primarily due to higher medical costs and membership growth in the Senior and State Sponsored businesses. The ratio for Individual business also increased as the Company complied with minimum medical loss ratio requirements in 2011. These increases were partially offset by a decline in the Commercial segment benefit expense ratio, reflecting the conversion of two large groups to self-funding arrangements during 2010 and lower than anticipated medical costs in the current year quarter.Medical Cost Trends: Trends represent Local Group fully insured business. For the full year of 2011, the Company continues to expect that underlying medical cost trend will be in the range of 7.5 percent, plus or minus 50 basis points. Unit cost increases continue to be the primary driver of overall medical cost trend.Days in Claims Payable: Days in Claims Payable ("DCP") as of March 31, 2011, was 40.6 days, an increase of 1.3 days from 39.3 days at December 31, 2010. This increase in DCP was driven by the timing of prescription drug payments and provider settlement activity.SG&A Expense Ratio: The SG&A expense ratio was 14.2 percent in the first quarter of 2011, a decrease of 40 basis points from 14.6 percent in the first quarter of 2010. This was driven by a 4.5 percent reduction in SG&A expense resulting from lower personnel costs and the Company's ongoing efficiency initiatives, partially offset by a decline in operating revenue.Operating Cash Flow: Operating cash flow totaled $1.1 billion in the first quarter of 2011, or 1.2 times net income. In the first quarter of 2010, the Company reported a net cash outflow from operations of $322.9 million that included $1.2 billion of tax payments related to the 2009 sale of the NextRx pharmacy benefit management subsidiaries. Share Repurchase Program & Cash Dividend: During the first quarter of 2011, the Company repurchased approximately 11.4 million shares of its common stock for $741.6 million. As of March 31, 2011, the Company's remaining Board-approved share repurchase authorization totaled $882.0 million. The Company also paid a quarterly cash dividend of $0.25 per share in the quarter, representing a distribution of cash totaling $92.8 million.Investment Portfolio & Capital Position: During the first quarter of 2011, the Company recorded net investment gains of $54.7 million pre-tax, consisting of net realized gains from the sale of securities totaling $57.1 million, partially offset by other than temporary impairments totaling $2.4 million pre-tax. In the first quarter of 2010, the Company recorded net investment gains of $28.7 million pre-tax, consisting of net realized gains from the sale of securities totaling $48.4 million, partially offset by other-than-temporary impairments totaling $19.7 million pre-tax. As of March 31, 2011, the Company's net unrealized gain position in the investment portfolio was $932.2 million, consisting of net unrealized gains on fixed maturity and equity securities totaling $491.5 million and $440.7 million, respectively. As of March 31, 2011, cash and investments at the parent company totaled $2.4 billion. REPORTABLE SEGMENTSWellPoint, Inc. has the following reportable segments: Commercial Business, which includes the Local Group, National, UniCare and Specialty Products lines of business; Consumer Business, which includes the Individual, Senior and State Sponsored lines of business; and Other, which includes Comprehensive Health Solutions, FEP business, National Government Services, inter-segment sales and expense eliminations, and corporate expenses not allocated to the other reportable segments. Operating revenue and operating gain are the key measures used by management to evaluate performance in each segment.WellPoint, Inc.Reportable Segment Highlights(Unaudited)(In millions)Three Months Ended March 3120112010ChangeOperating RevenueCommercial Business$8,564.1$9,078.2(5.7%)Consumer Business4,234.44,013.15.5%Other 1,856.31,751.86.0%Total Operating Revenue14,654.814,843.1(1.3%)Operating Gain / (Loss)Commercial Business$1,125.1$978.415.0%Consumer Business205.8326.0(36.9%)Other 19.4(17.7)NM (1)Total Operating Gain1,350.31,286.74.9%Operating MarginCommercial Business13.1%10.8%230 bpConsumer Business4.9%8.1%(320) bpTotal Operating Margin9.2%8.7%50 bp(1)"NM" = not meaningfulCommercial Business: Operating gain for the Commercial Business segment was $1.1 billion in the first quarter of 2011, an increase of $146.7 million, or 15.0 percent, from $978.4 million in the first quarter of 2010. The increase was driven primarily by lower than anticipated medical costs in the Local Group business and a reduction in SG&A expense in the current year quarter.Consumer Business: Operating gain for the Consumer Business segment was $205.8 million in the first quarter of 2011, a decrease of $120.2 million, or 36.9 percent, compared with $326.0 million in the prior year quarter. This decline was due primarily to lower operating gain in the Senior and State Sponsored businesses due to higher medical costs. The operating gain in the Individual business also declined from the prior year quarter as the Company complied with minimum medical loss ratio requirements in 2011.Other: The Company achieved an operating gain of $19.4 million in the Other segment during the first quarter of 2011, compared with an operating loss of $17.7 million in the first quarter of 2010. This reflected improved results in the Company's National Government Services business and lower administrative expenses in the first quarter of 2011.OUTLOOKFull Year 2011:Net income is now expected to be at least $6.70 per share, including net investment gains of $0.10 per share. This outlook includes no investment gains or losses beyond those recorded during the first quarter of 2011.Year-end medical enrollment is now expected to be approximately 33.9 million members. Operating revenue is now expected to total approximately $59.9 billion.The benefit expense ratio is now expected to be approximately 84.8 percent. The SG&A expense ratio is expected to be approximately 14.2 percent. Operating cash flow is now expected to be approximately $2.7 billion.Basis of PresentationOperating gain is defined as operating revenue less benefit expense, selling expense and general and administrative expense. Operating gain is used to analyze profit or loss on a segment basis. Consolidated operating gain is a non-GAAP measure. Operating margin is defined as operating gain divided by operating revenue. Consolidated operating margin is a non-GAAP measure. Certain prior period amounts have been reclassified to conform to the current period presentation (refer to Reclassified Consolidated Statement of Income table). Conference Call and WebcastManagement will host a conference call and webcast today at 8:30 a.m. Eastern Daylight Time ("EDT") to discuss its first quarter earnings results and updated outlook. The conference call should be accessed at least 15 minutes prior to the start of the call with the following numbers:888-423-3268 (Domestic)800-475-6701 (Domestic Replay)651-291-5254 (International)320-365-3844 (International Replay)An access code is not required for today's conference call. The access code for the replay is 186082. The replay will be available from 11 a.m. EDT today until the end of the day on May 11, 2011. The call will also be available through a live webcast at www.wellpoint.com. A webcast replay will be available following the call.About WellPoint, Inc.WellPoint works to simplify the connection between Health, Care and Value. We help to improve the health of our communities, deliver better care to members, and provide greater value to our customers and shareholders. WellPoint is the nation's largest health benefits company in terms of medical enrollment, with 34 million members in its affiliated health plans, and a total of more than 70 million individuals served through all subsidiaries. As an independent licensee of the Blue Cross and Blue Shield Association, WellPoint serves members as the Blue Cross licensee for California; the Blue Cross and Blue Shield licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York (as the Blue Cross Blue Shield licensee in 10 New York City metropolitan and surrounding counties and as the Blue Cross or Blue Cross Blue Shield licensee in selected upstate counties only), Ohio, Virginia (excluding the Northern Virginia suburbs of Washington, D.C.), and Wisconsin. In a majority of these service areas, WellPoint does business as Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Blue Cross and Blue Shield of Georgia, Empire Blue Cross Blue Shield, or Empire Blue Cross (in the New York service areas). WellPoint also serves customers throughout the country as UniCare. Additional information about WellPoint is available at www.wellpoint.com.WellPoint, Inc.Membership Summary(Unaudited and in Thousands)Change fromMarch 31, December 31, March 31, December 31, March 31, Medical Membership20112010201020102010Customer TypeLocal Group 15,221 15,216 15,311 0.0% (0.6%)National Accounts7,515 7,029 7,208 6.9% 4.3% BlueCard4,952 4,711 4,885 5.1% 1.4% Total National12,467 11,740 12,093 6.2% 3.1% Individual1,864 1,905 1,987 (2.2%)(6.2%)Senior1,332 1,259 1,252 5.8% 6.4% State Sponsored 1,808 1,756 1,745 3.0% 3.6% FEP1,506 1,447 1,447 4.1% 4.1% Total Medical Membership34,198 33,323 33,835 2.6% 1.1% Funding ArrangementSelf-Funded 20,486 19,590 18,801 4.6% 9.0% Fully-Insured 13,712 13,733 15,034 (0.2%)(8.8%)Total Medical Membership34,198 33,323 33,835 2.6% 1.1% Reportable SegmentCommercial27,688 26,959 27,439 2.7% 0.9% Consumer 5,004 4,917 4,949 1.8% 1.1% Other 1,506 1,447 1,447 4.1% 4.1% Total Medical Membership34,198 33,323 33,835 2.6% 1.1% Other MembershipBehavioral Health Membership25,206 23,963 23,444 5.2% 7.5% Life and Disability Membership 5,053 5,201 5,235 (2.8%)(3.5%)Dental Membership 3,992 4,007 4,131 (0.4%)(3.4%)Managed Dental Membership 4,332 4,272 4,311 1.4% 0.5% Vision Membership3,661 3,508 3,368 4.4% 8.7% Medicare Part D Membership 1,208 1,248 1,227 (3.2%)(1.5%)WellPoint, Inc.Consolidated Statements of Income(Unaudited)Three Months Ended(In millions, except per share data)March 3120112010ChangeRevenuesPremiums $13,684.1 $13,909.9 (1.6%)Administrative fees962.0 927.3 3.7% Other revenue8.7 5.9 47.5% Total operating revenue14,654.8 14,843.1 (1.3%)Net investment income184.8 201.1 (8.1%)Net realized gains on investments57.1 48.4 18.0% Other-than-temporary impairment losses on investments:Total other-than-temporary impairment losses on investments(4.8)(27.9)82.8% Portion of other-than-temporary impairment losses recognized in other comprehensive income2.4 8.2 (70.7%)Other-than-temporary impairment losses recognized in income(2.4)(19.7)87.8% Total revenues14,894.3 15,072.9 (1.2%)ExpensesBenefit expense11,228.0 11,382.3 (1.4%)Selling, general and administrative expenseSelling expense397.0 402.4 (1.3%)General and administrative expense1,679.5 1,771.7 (5.2%)Total selling, general and administrative expense2,076.5 2,174.1 (4.5%)Interest expense105.9 99.4 6.5% Amortization of other intangible assets56.8 60.7 (6.4%)Impairment of other intangible assets? 21.1 (100.0%)Total expenses13,467.2 13,737.6 (2.0%)Income before income taxes1,427.1 1,335.3 6.9% Income tax expense500.5 458.5 9.2% Net income$926.6 $876.8 5.7% Net income per diluted share$2.44 $1.96 24.5% Diluted shares 379.3 446.6 (15.1%)Benefit expense as a percentage of premiums82.1%81.8%30 bpSelling, general and administrative expense as a percentage of total operating revenue14.2%14.6%(40) bpIncome before income tax expense as a percentage oftotal revenues9.6%8.9%70 bpWellPoint, Inc.Consolidated Balance Sheets(In millions)March 31, 2011December 31, 2010(Unaudited)AssetsCurrent assets: Cash and cash equivalents$2,402.0$1,788.8 Investments available-for-sale, at fair value: Fixed maturity securities15,761.316,069.5 Equity securities1,356.61,236.2 Other invested assets, current23.121.1 Accrued investment income171.1177.4 Premium and self-funded receivables3,303.43,041.6 Other receivables916.5878.6 Income taxes receivable?32.3 Securities lending collateral788.7900.3 Deferred tax assets, net457.4460.9 Other current assets1,639.31,534.1Total current assets26,819.426,140.8Long-term investments available-for-sale, at fair value: Fixed maturity securities220.2221.8 Equity securities33.833.4Other invested assets, long-term911.7865.4Property and equipment, net1,186.11,155.5Goodwill 13,264.513,264.9Other intangible assets7,940.17,996.8Other noncurrent assets542.2488.3Total assets$50,918.0$50,166.9Liabilities and shareholders? equityLiabilitiesCurrent liabilities: Policy liabilities: Medical claims payable$5,070.5$4,852.4 Reserves for future policy benefits57.556.4 Other policyholder liabilities2,003.81,909.1 Total policy liabilities7,131.86,817.9 Unearned income1,048.0891.4 Accounts payable and accrued expenses2,667.42,942.2 Income taxes payable392.8? Security trades pending payable121.333.3 Securities lending payable789.8901.5 Short-term borrowings100.0100.0 Current portion of long-term debt359.2705.9 Other current liabilities1,550.01,617.3Total current liabilities14,160.314,009.5Long-term debt, less current portion8,542.08,147.8Reserves for future policy benefits, noncurrent642.1646.7Deferred tax liability, net2,637.32,586.9Other noncurrent liabilities958.2963.4Total liabilities26,939.926,354.3Shareholders? equityCommon stock3.73.8Additional paid-in capital12,523.112,862.6Retained earnings11,199.910,721.6Accumulated other comprehensive income 251.4224.6Total shareholders? equity23,978.123,812.6Total liabilities and shareholders? equity$50,918.0$50,166.9WellPoint, Inc.Consolidated Statements of Cash Flows (Unaudited)Three Months Ended March 31(In millions)20112010Operating activitiesNet income $926.6$876.8Adjustments to reconcile net income to net cash provided by (used in) operating activities: Net realized gains on investments(57.1)(48.4) Other-than-temporary impairment losses recognized in income2.419.7 Loss / (gain) on disposal of assets0.6(0.5) Deferred income taxes44.740.2 Amortization, net of accretion127.3111.9 Impairment of other intangible assets?21.1 Depreciation expense23.427.6 Share-based compensation22.614.1 Excess tax benefits from share-based compensation(22.6)(21.6) Changes in operating assets and liabilities, net of effect of business combinations: Receivables, net(268.2)(279.8) Other invested assets(11.9)7.0 Other assets(160.3)(74.5) Policy liabilities309.468.1 Unearned income156.667.7 Accounts payable and accrued expenses(344.1)(288.8) Other liabilities(67.3)(21.2) Income taxes443.8(830.3) Other, net(11.0)(12.0)Net cash provided by (used in) operating activities1,114.9(322.9)Investing activitiesPurchases of fixed maturity securities(2,965.0)(1,642.1)Proceeds from sales and maturities of fixed maturity securities3,336.32,174.3Purchases of equity securities(133.8)(37.4)Proceeds from sales of equity securities74.945.6Purchases of other invested assets(34.2)(28.8)Proceeds from sales of other invested assets7.67.4Changes in securities lending collateral111.6(205.4)Purchases of subsidiaries, net of cash acquired?(0.3)Purchases of property and equipment(101.9)(120.2)Proceeds from sales of property and equipment?3.1Other, net(13.4)(4.3)Net cash provided by investing activities282.1191.9Financing activitiesNet issuances of commercial paper borrowings763.10.1Proceeds from short-term borrowings100.0?Repayment of short-term borrowings(100.0)?Repayment of long-term borrowings(700.8)(15.1)Changes in securities lending payable(111.7)205.4Changes in bank overdrafts27.9(50.8)Repurchase and retirement of common stock(741.6)(1,388.4)Proceeds from issuance of common stock under employee stock plans47.569.5Cash dividends(92.8)?Excess tax benefits from share-based compensation22.621.6Net cash used in financing activities(785.8)(1,157.7)Effects of foreign currency exchange rate changes on cash and cash equivalents2.0(1.2)Change in cash and cash equivalents613.2(1,289.9)Cash and cash equivalents at beginning of period1,788.84,816.1Cash and cash equivalents at end of period$2,402.0$3,526.2WellPoint, Inc.GAAP Reconciliation(Unaudited)WellPoint, Inc. has referenced "Adjusted Net Income" and "Adjusted Net Income Per Share," non-GAAP financial measures, in this document. These non-GAAP financial measures are not intended to be alternatives to any measure calculated in accordance with GAAP. Rather, these non-GAAP financial measures are intended to aid investors when comparing WellPoint, Inc.'s financial results among periods. A reconciliation of these measures to the most directly comparable measures calculated in accordance with GAAP is presented below.(In millions, except per share data)Three Months EndedMarch 31, 2011March 31, 2010ChangeNet income$926.6$876.85.7%Add (net of tax):Impairment of other intangible assets, net of $7.4 of tax benefits?13.7Subtract (net of tax):Net investment gains, net of $19.1 and $10.1 of tax expense, respectively (35.6)(18.6)Net adjustment items(35.6)(4.9)Adjusted net income$891.0$871.92.2%Diluted shares379.3446.6(15.1%)Net income per diluted share$2.44$1.9624.5%Adjusted net income per diluted share$2.35$1.9520.5%WellPoint, Inc.Reclassified Consolidated Statement of Income(Unaudited)WellPoint, Inc. has reclassified certain costs related to its BlueCard program among line items in its first quarter 2010 income statement, in order to be comparable with the 2011 financial statement presentation. While this reclassification impacted previously reported administrative fee revenue, benefit expense and SG&A expense, there was no impact on reported net income. The schedule below is provided below for reference purposes.(In millions, except per share data)Three Months Ended March 31, 2010Originally ReportedReclassificationsAs ReclassifiedRevenuesPremiums $13,909.9?$13,909.9Administrative fees952.9(25.6)927.3Other revenue5.9?5.9Total operating revenue14,868.7(25.6)14,843.1Net investment income201.1?201.1Net realized gains on investments48.4?48.4Other-than-temporary impairment losses on investments:Total other-than-temporary impairment losses on investments(27.9)?(27.9)Portion of other-than-temporary impairment losses recognized in other comprehensive income8.2?8.2Other-than-temporary impairment losses recognized in income(19.7)?(19.7)Total revenues15,098.5(25.6)15,072.9ExpensesBenefit expense11,381.40.911,382.3Selling, general and administrative expenseSelling expense402.4?402.4General and administrative expense1,798.2(26.5)1,771.7Total selling, general and administrative expense2,200.6(26.5)2,174.1Interest expense99.4?99.4Amortization of other intangible assets60.7?60.7Impairment of other intangible assets21.1?21.1Total expenses13,763.2(25.6)13,737.6Income before income taxes1,335.3?1,335.3Income tax expense458.5?458.5Net income$876.8?$876.8Net income per diluted share$1.96?$1.96Diluted shares 446.6?446.6Benefit expense as a percentage of premiums81.8%?81.8%Selling, general and administrative expense as a percentage of total operating revenue14.8%(20) bp14.6%Income before income tax expense as a percentage oftotal revenues8.8%10 bp8.9%SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995WellPoint and its representatives may from time to time make written and oral forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 ("PSLRA"), including statements in this press release, in presentations, in filings with the Securities and Exchange Commission, or SEC, in reports to shareholders and in meetings with analysts and investors. The projections referenced in this press release are forward-looking and they are intended to be covered by the safe harbor for "forward-looking statements" provided by PSLRA. Words such as "expect(s)", "feel(s)", "believe(s)", "will", "may", "anticipate(s)", "intend", "estimate", "project" and similar expressions are intended to identify forward-looking statements, which generally are not historical in nature. These statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks and uncertainties, many of which are difficult to predict and generally beyond our control, that could cause actual results to differ materially from those expressed in, or implied or projected by, the forward-looking information and statements. These risks and uncertainties include: those discussed and identified in our public filings with the SEC; increased government participation in, or regulation or taxation of health benefits and managed care operations, including, but not limited to, the impact of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010; trends in health care costs and utilization rates; our ability to secure sufficient premium rates including regulatory approval for and implementation of such rates; our ability to contract with providers consistent with past practice; competitor pricing below market trends of increasing costs; reduced enrollment, as well as a negative change in our health care product mix; risks and uncertainties regarding Medicare and Medicaid programs, including those related to non-compliance with the complex regulations imposed thereon and funding risks with respect to revenue received from participation therein; a downgrade in our financial strength ratings; litigation and investigations targeted at health benefits companies and our ability to resolve litigation and investigations within estimates; our ability to repurchase shares of our common stock and pay dividends on our common stock due to the adequacy of our cash flow and earnings and other considerations; non-compliance with the Express Scripts, Inc. pharmacy benefit management services agreement, which could result in financial penalties and our inability to meet customer demands; events that result in negative publicity for us or the health benefits industry; failure to effectively maintain and modernize our information systems and e-business organization and to maintain good relationships with third party vendors for information system resources; events that may negatively affect our license with the Blue Cross and Blue Shield Association; possible impairment of the value of our intangible assets if future results do not adequately support goodwill and other intangible assets; intense competition to attract and retain employees; unauthorized disclosure of member sensitive or confidential information; changes in the economic and market conditions, as well as regulations that may negatively affect our investment portfolios and liquidity; possible restrictions in the payment of dividends by our subsidiaries and increases in required minimum levels of capital and the potential negative effect from our substantial amount of outstanding indebtedness; general risks associated with mergers and acquisitions; various laws and our governing documents may prevent or discourage takeovers and business combinations; future public health epidemics and catastrophes; and general economic downturns. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof. Except to the extent otherwise required by federal securities law, we do not undertake any obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. Readers are also urged to carefully review and consider the various disclosures in our SEC reports. SOURCE WellPoint, Inc.For further information: Investor Relations, Michael Kleinman, +1-317-488-6713, or Media, Kristin Binns, +1-917-697-7802


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A desert rat explores the south.
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Desert Rat
Joined: Mar 2004
Location: Charleston, South Carolina
Oddometer: 1,086
Heading down to Florida for a 7 day motorcycle trip. The plan is to ride the coastline of the entire state with the exception of the panhandle. Left Charleston this morning and the weather was pretty hairy. The winds were 30mph with gusts up to 40...made for some exciting bridge crossing.
Once we were south of Savannah the winds really picked up and the rain started to come down pretty heavy. At one point a gust of wind hit us so hard that the rear tire lost traction and kicked out a while we were crossing standing water on the highway... At that point we made a command decision to find suitable accommodation. So here we sit at the quality Inn at Darien Georgia. The room is covered in wet gear draped all over the furniture.
Tomorrow's forecast calls for rain in the morning then clear weather for the next ten days. After a nice big breakfast the plan is to hit the road with Fort clinch state park being our first stop of the day..
I highly Recommended the quality Inn of Darien Georgia... They have great motorcycle parking.
If all you ever do is all youve ever done, then all youll ever get is all you ever got.
... A desert rat explores the south.
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The Berenstain Bears and the Joy of Giving - eBook
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Stan and Jan Berenstain introduced the first Berenstain Bear books in 1962. Mike Berenstain grew up watching his parents work together to write about and draw these lovable bears. Eventually he started drawing and writing about them too. Though Stan died in 2005, and Jan in 2012, Mike continues to create the delightful Bear adventures from the family home and studio in Pennsylvania, in an area that looks much like the sunny dirt road deep in Bear Country.
Product Reviews
Dee5 Stars Out Of 5Good Book Anytime of the year!January 16, 2015DeeQuality: 5Value: 5Meets Expectations: 5This Berenstain Bears book was given for Christmas our grandchildren, aged 3, 4, and 8, knowing there were lists of things they wanted and this little book gives them the message that they can give, as well as receive. Good lessons from all the Berenstain Bears books, as usual.
ChildofGod5 Stars Out Of 5Great StoryJanuary 7, 2015ChildofGodQuality: 5Value: 5Meets Expectations: 5Wonderful book, gave it to a very loving and giving sweet child who loves to give gifts and see other's happiness.
The Bear's are always teaching great valuable lessons to children and adults alike.
S.B,5 Stars Out Of 5love this!January 5, 2015S.B,What a great book to read to emphasize that giving is more important than getting! Our 4 year old daughter was showing signs of the gimmies this holiday season. It's hard not to, when everywhere we go people are asking, "What do you want for Christmas?" This book gently shows how Sister and Brother Bear learn this important lesson; "It is more blessed to give than to receive." So glad the Berenstains have moved towards including biblical lessons in their books. Jus one more reason to love their books.
ajoy135 Stars Out Of 5Wonderful lesson for littlesNovember 4, 2014ajoy13Quality: 5Value: 5Meets Expectations: 5I have always adored the Berenstain bears books and was excited to see one about the joy of giving! The book met expectations :) It is thoughtful and well written with beautiful illustrations!
Heather Mcinerney5 Stars Out Of 5lesson worthyJanuary 2, 2013Heather McinerneyQuality: 5Value: 5Meets Expectations: 5My little one's are 2 and 5. They both love to be read to and really enjoyed this book on Christmas Eve. I'm sure it will make our favorites list.
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text:
Style #: 45548036
Our faux-fur Stalina vest has the rich texture and shine to add drama to any look. Try pairing deep blue with this lustrous black for even more intensity.
Club Monaco is a subsidiary of the
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text:
Full Day Tour of The Dingle Peninsula and Slea Head
- Details
- Reviews
Slea Head is the most westerly point in Europe and standing there, looking towards America, instills a feeling of excitement and empathy with the millions of emigrants who took this route.
There are splendid views around Slea Head, especially of the Blasket Islands and the scattered rocks, all part of an exploded volcanic area.
In the storms of September 1588 four ships of the Spanish Armada were driven through the Blasket Sound. One, due to great seamanship, got into shelter, followed by a second. But a third came flying through the Sound with its sails in tatters and crashed onto the two other ships, which eventually got to back Spain.
The Great Blasket island, evacuated in the 1950's, produced a number of books in Irish - a best-seller, translated as 20 Years A Growing by Maurice O' Sullivan, and a masterpiece, The Island man by Thomas O'Crohan. In this century some 60 books, mostly in Irish, have been written in the immediate area.
This is also the countryside in which the David Lean film, Ryan's Daughter, was mainly made. The film Far and Away was also made here.
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Slea Head, Co. Kerry, Ireland
- Transport by air-conditioned coach
- Driver/guide
- Gratuities (optional)
- Hotel pickup and drop off
- Food and drinks, unless specified
- Confirmation will be received at time of booking
- Infant rates apply provided they do not occupy a seat
Traveler Reviews
Reviewed by: Kelsey V, December 2014
The tour was great and the guide was entertaining and informative. We stopped at a lot of beautiful places for photos, I would highly recommend!
Reviewed by: Connie O, May 2014
Our tour guy Ray was wonderful. He was informative, friendly, and funny. We loved his stories and jokes. The scenery was beautiful and he let us stop at several places and take pictures. We would highly recommend this tour.


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It's All Politics
In First Iowa Ad, Bachmann Touts Roots And Raps 'Wasteful Spending'
By Mark Memmott
Rep. Michele Bachmann (R-MN) keeps things simple in her first TV ad in Iowa, which her presidential campaign says starts airing there today.
-- Remind folks you're from the state. Check.
-- Let them know a little about yourself. Check.
-- Vow to fight "wasteful" spending. Check.
-- Make clear you opposed the president's economic stimulus plan. Check.
Here's the script:
"As a descendant of generations of Iowans, I was born and raised in Waterloo.
"As a mom of five, a foster parent, and a former tax lawyer, and now a small business job creator, I know we can't keep spending money that we don't have.
"That's why I fought against the wasteful bailout ... against the stimulus.
"I will not vote to increase the debt ceiling."
Copyright 2011 National Public Radio. To see more, visit http://www.npr.org/.


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Get your furry friend ready for a day at the ballpark with this Detroit Tigers™ hat. The officially licensed Detroit Tigers® teddy bear -sized hat is navy with an orange brim and a Tigers logo.


text:
high quality metal cheap chain link dog kennel direct factory
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<24 hours Average Response Time


text:
Little Lattice Open Cardigan by Melissa LaBarre
Welcome! You are browsing as a guestWould you like to see 8 projects made from this pattern and much more? join Ravelry now What am I missing?
© our back 40
© our back 40
© our back 40
Little Lattice Open Cardigan
This pattern is available for $6.00 USD
buy it now or visit pattern website
buy it now or visit pattern website
this pattern is available as part of a kit here: http://www.ourback40.com/products/little-lattice-open-car...
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4/8 Ride @ The Roxy, 4/10 St. Vincent @ The Cosmopolitan, 4/14 Barry Manilow @ Staples Center, 5/2 Desert Daze, 5/8-10 Levitation, 5/16 The Juan Maclean @ The Regent, 6/10 Emmy the Great @ Hotel Cafe, 6/12 Emmy the Great @ Hotel Utah
If you don't like the bands that play then DON'T go. I still don't understand why people bitch about the lineup yet still insist on going. No one is forcing you to see the bands you hate so much.
Have Another Hit Of Colorado Sunshine
Coachella 6, 7, 8, 9, 10, 11, 12.2, 13.2, 14.2, 15.2
Outside Lands 10, 11, 13, 14
Pearl Jam
The Who
Rolling Stones
Roger Waters
Dave Mathews Band
Guns and Roses (reunion)
White Stripes (reunion)
They are all MAJOR HEADLINE material
The rest mentioned people aren't going to drive or fly from very far to go see.
Coachella better do a lot fucking better at headline acts or they're gonna like 'blockbuster' video - here today - gone the next. People will skip Coachella and find other concerts to see if they don't improve. It's business 101
I loved 2013 Coachella and I'll go till the day I die...
If I was running 2014 Coachella...I'd narrow it down to these 4 bands for headlining 2014. Media would go nuts, re energize talk about Coachella being the best festival in N. America.
Pearl Jam
The Who
Daft Punk
White Stripes (reunion)
Dave Mathews Band sells out baseball stadiums. Whether you like him or not, he is more of a headliner than most people you would rather see there.
5/15-17/15 - Psycho CA @ Observatory // 5/22/15 - Laura Jane Grace @ Hollywood Forever Cemetary // 5/27/15 - Neutral Milk Hotel @ Warner Grand Theater
6/3/15 - Sufjan Stevens @ Dorothy Chandler // 7/15/15 - Shellac @ Regent // 7/31/15 - Melt Banana w/Torche @ Roxy
Dave Mathews would be the lowest on my list, but you can not deny their fan following. As Drinkey McDrinkerstein stated DMB can still sell out baseball stadiums. A few years ago they sold out Dodger stadium. If you haven't seen them live....it's VERY impressive. They are one of the best bands in terms of solo's.
If Coachella owners want the "Coachella is the best fest" mark again they'll bring in
Pearl Jam - Friday
Daft Punk - Saturday
Guns and Roses (reunion) - Sunday
Those 3 bands have fans that'll cross states to see.
Guns and Roses has fans that'll cross the county to see them play together again....I'm not one of them, but I'm smart enough to know they have a following like none other.
White Stripes would pull a large number, but those three above would pull media from around the world and press galore


text: The book is written in a practical manner for the education of B.S. level chemical engineers. It introduces students to common equipment and gives them the basic concepts of operation both qualitatively and quantitatively. A solid theoretical foundation enables students to understand basic phenomena underlying the unit operations but real-world applications are also sufficiently covered.Edition/Copyright: 6TH 01


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'Battlestar' Writer Rebuilds 'Bionic Woman'
The network has given a cast-contingent pilot order to the remake of the 1970s show and also greenlit two other pilots: the cop
Eick and Laeta Kalogridis ("Alexander," "Birds of Prey") are co-writing and executive producing the "Bionic Woman" update, the showbiz trade papers report. The show is based on the 1970s series, a spinoff of "The Six Million Dollar Man," about a woman (
NBC's sister studio,
"Chuck," meanwhile, comes from Warner Bros. TV. Schwartz and Chris Fedak are writing the script, a drama about twentysomething spies that's infused with dark humor, a la "Grosse Pointe Blank."
Finally, NBC has given the go-ahead to "Fort Pit," which is based on the experiences of former


text:
Originally written on Football Nation | Last updated 7/21/13
There have been several different NFL defensive lineman grouped under the name of the Fearsome Foursome. The most famous of this group were the 1963 Los Angeles Rams. With a starting defensive line that consisted of DT Lamar Lundy, DT Rosie Grier, DT Merlin Olsen and DE Deaon Jones. These men were feared on the field for their pass rush damage.During the 1963-1967 seasons, the Los Angeles Rams front four played with grit and determination, intent on getting the job done. These men were so unique, so exciting to watch because of the way they worked as a team. For the 2013 season, it appears that the Chicago Bears may be the next fearsome foursome of the NFL.Embedded in the crown of the Monsters of the Midway is DE Julius Peppers, LB Lance Briggs, DT Henry Melton and DE Corey Wooten. These four frontline men deliver an incredible mixture of pass rush wickedness and distructive tackles. They exude a killer instinct to do bodily harm to running backs and quarterbacks. The 2013 Chicago B...
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text:
State Department Backs Off Tying Israeli Group to Iran Ship Sale
Sept. 13 (Bloomberg) -- The State Department backed off a plan to impose sanctions on an Israeli company that the U.S. had said was involved in a sale of an oil tanker to Iran.
A "clarification" issued by the State Department today removes an entity it had called the "Ofer Brothers Group" from a list of companies that had been targeted for sanctions in May for doing business with Iran's energy industry.
"This action clears our name," Ofer Holdings Group said in a written statement. "Today's formal clarification makes it clear that none of Ofer Holdings Group Ltd., its subsidiaries or any other Israeli entity is subject to sanctions under the Iran Sanctions Act."
The U.S. took action today to show that "we were not seeking to sanction the entire conglomerate," State Department spokeswoman Victoria Nuland said at her daily briefing in Washington. "We were seeking to sanction those entities which were trading with Iran."
In making its clarification, the State Department today imposed sanctions instead on two companies it identified as "owned by the late Sammy Ofer:" Monaco-based Societe Anonyme Monegasque d'Administration Maritime et Aerienne, or SAMAMA, and Allvale Maritime Inc., of Liberia.
The State Department in May had targeted what it called Ofer Brothers Group and two other companies for their alleged role in a September 2010 sale of a tanker valued at $8.65 million to the Islamic Republic of Iran Shipping Lines.
The May announcement "caused some confusion among banks and others that were trying to comply with the new sanctions," a State Department spokeswoman, Julie Reside, said today.
Billionaire Brothers
The billionaire Ofer brothers, one of the richest families in Israel, had denied the charge and fought for months to clear their name.
"We are relieved that the U.S. State Department has made this important clarification," the Ofer family said in a written statement. "This is an important step forward."
The sanctions imposed under the Iran Sanctions Act bar companies from securing financing from the Export-Import Bank of the United States, from obtaining loans of more than $10 million from U.S. financial institutions, and from receiving U.S. export licenses, the State Department said.
SAMAMA was the lead ship manager for Allvale, the owner of the tanker Raffles Park, SAMAMA said in a written statement. It said the company was "committed to implementing effective remedial action so that we meet our ongoing sanctions compliance obligations and ensure that this type of incident will not recur."
Iranian Interests
SAMAMA had subcontracted management of the tanker to Tanker Pacific Management Pte Ltd. of Singapore, which was also targeted for sanctions.
Tanker Pacific said it managed the sale of the Raffles Park to Coral Light Asset Corp. of Panama.
"Had we known that the buyers were acting on behalf of Iranian interests, this sale would never have gone ahead," Tanker Pacific said in a written statement.
The State Department has sought to increase pressure on Iran to curb its "illicit nuclear activities." Iran has maintained its nuclear program is designed for civilian energy needs.
Brothers Sammy and Yuli Ofer didn't live long enough to see the U.S. "clarification." Sammy Ofer died in June, while Yuli Ofer died on Sept. 11, at the age of 87.
To contact the reporter on this story: David Lerman in Washington at firstname.lastname@example.com
To contact the editor responsible for this story: Mark Silva at email@example.com


text:
from Pakistan: Now or Never?:
Egypt and Pakistan; something borrowed, something new
The Egyptian uprising contains much that is familiar to Pakistan - the dark warnings of a coup, in Egypt's case delivered by Vice President Omar Suleiman, the role of political Islam, and a relationship with the United States distorted by U.S. aid and American strategic interests which do not match those of the people.
from Pakistan: Now or Never?:
Pakistan, blasphemy, and a tale of two women
For all the bad news coming out of Pakistan, you can't help but admire the courage of two very different women who did what their political leaders failed to do -- stood up to the religious right after the killing of Punjab governor Salman Taseer over his call for changes to the country's blasphemy laws.
Musharraf says Pakistan's blasphemy law cannot be changed
Former President Pervez Musharraf has said that Pakistan's blasphemy laws could not be changed, but that the man who killed Punjab Province Governor Salman Taseer over his opposition to them must be punished.


text:
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text:
we unpack the NME-360 kit into a directory eg: c:\nme360\
we rip the game (we will call it IMAGE.000 and save it (remember where)
we get the proper SS.BIN for that game (remember where it is)
we use SS MERGER v1.6 and we insert the SS.BIN into the IMAGE.000, this
makes it compatible with the xtreme FW hacks.
so now we have IMAGE.000 Patched for xtreme hacks and we still have our
proper SS.BIN
next we move/copy the IMAGE.000 and SS.BIN into the C:\nme360\ directory
and we just run convert.bat
then we will have a GAME.ISO made after convert.bat is done.
and it should be 7.705.657.344 bytes.
my friend uses cloneCD and tells clonecd to use GAME.DVD file to burn.
I use IMGBURN and do the exact settings from the NME-360 instructions:
Imgburn, make sure that the layer breakpoint is set to 1913760)
and i set it to that select the game and burn, come back 40 mins later and
its done.
burn at 2.4x.
also some games are not ripped with the video partition, and IMGBURN doesn't
like that, it give an error after you tell it to open the GAME.ISO. if this
is the case, then use this program in the .zip attached. IMGBPATCH.ZIP put
this in your C:\NME360\ directory too.
usage is IMGBPATCH.EXE <file> eg: IMGBPATCH.EXE GAME.ISO
you will have to do this dos prompt window but some people say if you DRAG
and DROP the GAME.ISO file onto (over) the the IMGBPATCH.EXE file, it will
highlight it let go of the file and it will execute as well.
it just corrects some bytes so IMGBURN will burn it now. I have had to do
that with a couple of titles i downloaded, but they work.
as far as the proper SS.BIN best to make sure where you get them, if you
ripped them with teh samsung then you are good to go. hitachi has problems.
but i had SAINTSROW DEMO come up with a different number than what was in SS
MERGER database, and i just used what i had and it worked. so if your know
your SS.BIN is good then you shouldn't worry.
he uses verbatim DVD+R DL, i use imation DVD+R DL, i believe its really
RICOH01 media, i will check in the morning for the exactly signature of the
media when i put it in).
*** MINE SAID UNRECOGNIZE MEDIA*** A LOT OF PEOPLE HAVE ANOTHER MESSAGE, WE NEED TO CONFIRM WITH MESSAGE IS FOR BAD MODCHIP AND WICH IS FOR A BAD BACKUP. lET START HERE IN THIS FORUM.
Edited by Chancer, 30 July 2006 - 01:51 PM.


text:
Originally written on Phillies Nation | Last updated 11/5/12
Photo: AP/Jeff Roberson Kyle Kendrick certainly had an interesting season. The 28-year-old spent the first half of the season alternating between the rotation and the bullpen. Before his impressive run from August 14-September 10 (when his ERA was just 1.49), there was one start where Kendrick proved that he belonged in the rotation. Entering May 26, the Phillies were a game over .500 and in the midst of an important series with the St. Louis Cardinals. Because Vance Worley was injured, Kendrick would get the start. At this point in time, Phillies fans weren't exactly comfortable with the idea of Kendrick starting, but he changed some minds in this outing. Kendrick tossed his first complete game shutout of his Major League career. He allowed seven hits, struck out four, and walked nobody. Not only did he pitch a great game, but he earned the trust from his skipper. After the game, Charlie Manuel acknowledged that he would like to stick with Kendrick in the rotation for the time being. Everything seemed to work for Kendrick that night. His location was terrific and his slider and change-up were working perfectly. It was just a glimpse of what Phillies fans would later see out of Kendrick towards the end of the season. – You can learn more about Kyle Kendrick's season by reading Phillies Nation's 2012 Player Reviews.
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text:
GTMax USB Rapid Car Charger + USB Wall AC Charger Power Adapter + USB Data Cable for Sprint HTC Hero - HTCDATCOM003-A6-BUY
Learn more about GTMax USB Rapid Car Charger + USB Wall AC Charger Power Adapter + USB Data Cable for Sprint HTC Hero:
Manufacturer: GTMax
Mfg Part#: HTCDATCOM003-A6-BUY
Sku: 220701402
See more in Accessories
|For the professional executive on the go, these chargers are the must! The travel charger is lightweight and easy to carry while traveling. The car charger is very small enough to be stored anywhere in your car. Simply plug the charging adapter into the wall or car adapter, then put the data USB end into the power adapter and it will recharge and condition your battery. With this data cable and the correct software you can update data, pictures, music & more to your smartphone through this USB data cable. Hotsync and charge your smartphone at the same time. Software for your phone is not included with this cable but can be found, usually for free, on line.


text:
|Found 410 Recipes
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Miss Hurley's Kentucky Beer Cheeseby Bakers Pantry I became very intrigued by the mention of something called 'Beer Chees..
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Strawberry Butterby squirrelwolfs Great on pancakes, waffles, muffins or just plain toast.
Cheese Balls Three Waysby chefems1401 Makes three 4-inch cheeseballs; serves 8 to 10
Blue Cheese And Bacon Cheese Ballby maggielandry This cheese ball is great for parties! I needed an appetizer for a Chr..
Reduced Fat Hazelnut Cream Cheese Spreadby jmgallo I love all of the gourmet flavored cream cheeses that you find in the ..
Garlicky White Bean Hummusby bethany I often "eyeball" ingredients, so this recipe is approximate according..


text:
Algiers — The Ministry of Interior ordered an investigation following the death of the JS Kabylie Cameroonian player Albert Ebossé Bodjongo on Saturday evening, who was hit by a projectile thrown from the stands during a football match.
The Ministry also ordered the immediate arrest of the perpetrators of the crime so as to bring them to justice, the Ministry of Interior and Local authorities told APS Saturday evening.
The Cameroonian striker, who played for the JS Kabylie, passed away Saturday evening, hit by a projectile thrown from the stands after his team's defeat, as part of Algerian League 1's second day of the championship.
Ebossé (24) succumbed to his injuries at the hospital of Tizi Ouzou province.


text:
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text: We liked the overall condo property at Sierra Park Villas - plenty of parking, clean, jacuzzi, etc.; and central to stores/restaurants. Our condo #59 was very clean and had all the basic elements. However we will not go back until they improve the following at SPV #59: - electrical: sign in condo reads to not have too many appliances on... More


text:
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Published November 21, 2013
'Sixth continent' channel has big potential. Read More »
Published November 19, 2013
'Helios' houses 250 cosmetic and perfume researchers. Read More »
Published November 15, 2013
Granddaughters of Estée are worth $1.4 billion each, says Bloomberg. Read More »
Published November 15, 2013
Skin care sets pace gains; fragrance is flat. Read More »
Published November 14, 2013
But Lafley is confident that he has a deep bench of talent. Read More »
By James Zilenziger, Assistant Editor
Published November 11, 2013
Before there was a Women's Movement, there was Avon Products. Here's a look at how the company has changed during the past 130 years. Read More »
Published November 7, 2013
Bath & Body Works posts 5% gain. Read More »
Published November 1, 2013
Gold Jay Z debuts on November 20. Read More »
Published October 31, 2013
Miu Miu scent to debut in 2015. Read More »
Published October 31, 2013
DOJ gets ready to unload a big fine. Read More »
Published October 28, 2013
Published October 23, 2013
With Iams gone, company can focus on beauty and household business. Read More »
Published October 8, 2013
Will invest in innovation and go-to-market capabilities. Read More »
Published October 8, 2013
Expected to outperform the sector. Read More »
Published September 30, 2013
Shares slide after Polman's comments. Read More »


text: > View Product Details Please select the size of the product. Please enter valid quantity. Prada yellow and blue patterned cotton v-neck t-shirt overview details Retail: $300.00 Bluefly: $235.00 20% Off : $188.00 color : We're sorry. This style is sold out. Yellow / Blue / White Living the luxe life is quite easy when you've got the masters of Italian design, Prada, on your side. Color: Yellow / Blue / White Lightweight cotton knit V-neckline Logo appliqu� at back Short sleeve Modern fit 100% Cotton; Machine Wash; Imported; style#325809601


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30 year old man | Brooklyn, NY, USA | Seeking men 25-37 within 30 miles of New York, NY
Let's go drive 'till morning comes, Watch the sunrise to fill our souls up
This seems like a good site to meet new people and friends. Eventually, if the situation works, I'm interested in a genuine, caring, and sexy man. A guy that's not afraid to be himself and stand-up for what he believes in. While I think confidence is attractive, I find cockiness and narcissism to be a complete turn-off. As for me, I enjoy laughing, reading, eating, exercising, nature, and living a healthy, balanced lifestyle. I live for the everday pleasures life gives us. I'm competing in my 1st Olympic triathlon in D.C. in September, I'm super stoked! My little guy, Joey, is 2 years old. Time flies. He's my boy, so dog lovers only.
Camping , Coffee and conversation , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Volunteering , Wine tasting
Cycling, Running, Skiing, Soccer, Walking / Hiking, Weights / Machines, Yoga
I exercise 5 or more times per week.
I like Dogs
Middle of the Road
Love trying new coffee shops, bookstores, and don't mind a fun & wild night out at the bar every so often... just not every night
Kean University, Union, NJ
The Office, 30 Rock, Glee, Love Food Network w/ Barefoot Contessa, Giada, Paula Dean. Still a novice at cooking though, but enjoy the learning experience. Music tastes are all over the place, I generally like it all!
I try anything once. Keep an open mind.
Not a lot of time for books right now, but Runner's World, Bon Appetit, and the NYT are on my coffee table.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'11" (180cms)
|5'8" (172cms) to 8'0" (243cms)
|Body type:
|Athletic and toned
|About average, Athletic and toned
|No preference
|Auburn / Red
|No preference
|No Way
|No preference
|Social Drinker
|Social Drinker, Moderately
|Technical / Science / Computers / Engineering
|No preference
|$75,001 to $100,000
|No preference
|Never Married
|No preference
|Have kids:
|Wants kids:
|White / Caucasian
|Latino / Hispanic, White / Caucasian
|Spiritual but not religious
|No preference
|Bachelors degree
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
B.S. Meteorology Kean University Union, NJ


text:
Denise Richards Threatens to 'Spill Everything' About Charlie Sheen
"For all the negative nellies out there, I DID not have a f..ing photo op with my kids at a park. when there is drama u get followed more," she tweeted. "Sorry had to vent s*** pisses me off sometimes..one day..I will spill my guts about EVERYTHING."
Richards continued, "I genuinely love to be with my girls and don't have a nanny raising them. They are my #1 priority and always will be."
Although she has been keeping mum about her ex-husband's arrest for domestic violence against his new wife Brooke Mueller, it sounds like there is a lot of information Richards is hiding.
Earlier this year, Richards spilled a few details about she and Sheen's tumultuous relationship. She told Howard Stern when she fell for Sheen, she fell for him fast: "He [Charlie Sheen] was 3 years sober and he was working and doing really, really well." Richards also said that Sheen was ordered to pay her $52,000 per month in child support and $60,000 per month in alimony as a result of the divorce.
She accused Sheen of extensive drug and alcohol abuse as well as threats of violence during their very public 2006 divorce.
- Filed under:
- Celebrity Fights -
- Gut Reactions -
- Movie News -
- Photos -
- TV News -
- Celebrity Twitter -
- Denise Richards
- Wednesday 30 DecemberBy Tasha
I see she's still has her garbage mouth
- Wednesday 30 DecemberBy Lou
Hey Tasha,right on about her mouth i guess that because of my age i will never get used to women using the f word. I guess we should feel sorry for her trying to live on only 112k a month.
- Wednesday 30 DecemberBy Bob
Good! Sheen is an idiot, and abuser and a no-talent actor at best
- Wednesday 30 DecemberBy valeskas
She should shut up, because it is not her place to talk about Charlie. Her language is worse then a sailors, even tough she is beautiful, when she swears like she does, she sounds like a prostitute, it takes away from her prettiness and it makes her ugly. I guess Charlie has a knack for crazy women, maybe he should stay single if he gets a divorce.
- Wednesday 30 DecemberBy ricochet
"about she and Sheen's tumultuous relationship"? Seriously?? From a 'journalist' on a national internet page? Go back to grammar school.
- Wednesday 30 DecemberBy ron
maybe Charlie dosen't like pig meat anymore
- Wednesday 30 DecemberBy Joey
Charlie is nothing but a spoiled drunk. Denise has a lot of class and was smart to get rid of him.
- Wednesday 30 DecemberBy rose
She's a looser...look what she did to her friend, stole her boyfriend....never did like her....she an opportunist for sure...
- Wednesday 30 DecemberBy Joanne
Whatever Denise has to say about her relationship with Charlie is bound to be good. This guy has demonstrated, over and over again, he's a looser. I feel so sorry for his kids and I'm glad I'm not one of them.
- Wednesday 30 DecemberBy judejaded
one thing about chuck, is he does know how to pick the babes. too bad they're poison inside
- Wednesday 30 DecemberBy Jennifer M
Don't you feel sorry for those poor two children having Denise and Charlie as parents? And Denise, if those children are your top priority, why are you teaching them such bad language with your vulgar mouth?
- Wednesday 30 DecemberBy Tab
I am sure she knows he is lying. After all she has been in Brooke's shoes. Remember how he denied everything and how everyone turned on Denise?!?!?!?!? She probably even knows things that have happened in his current marriage....her girls are old enough to tell what they see. I follow Denise on twitter and she and Brooke have gone to lunch together so who knows what they have talked about. Charlie is the one with the problem people....I don't get why it is always everone else's fault when he f***'s up.
- Wednesday 30 DecemberBy rbchoiceHighest Rank Vote downVote upReport this
Who cares......I still have more respect for Charlie Sheen than I do for that fraud Tiger Woods
- Wednesday 30 DecemberBy frank
"Denise Richards",,,,just a plain jane,,that doesnt look as good,,as some of my girl-friends,from the 1970's,,80's....
- Wednesday 30 DecemberBy trmnatr2Highest Rank Vote downVote upReport this
Shes obviously a bitter ex wife.I expect to hear her say something like Charley has a tiny penis,she caught him dressed in her undies,or that he masterbates constantly.
- Thursday 31 DecemberBy pete
Denise, you MUST speak out. Stop hidiing the truth about Sheen. If he threatened this one with a knife, there's no telling how far he may go. If he beat you, threatened you, or in any way abused you, you MUST open up about it. It doesn't make you look bad, but it very well may save another woman from beatings and possibily death at his hands. It will be too late for someone if you keep mum now under some sort of "loyalty" or fear of the name callers here who find Sheen sending a tingle up their legs. Speak out, testify, and get him put where he can get the treatment he so badly needs. The life you save may be your own or your kids.
- Wednesday 30 DecemberBy raicha
"Earlier this year, Richards spilled a few details about she and Sheen's tumultuous relationship."
HER and Sheen.
- Wednesday 30 DecemberBy smphill2
lOOK AT SHEENS PAST IM SUPRISED HE GOT OUT ON SUCH A LOW BAIL. I HOPE THIS WONT TURN OUT TO BE ANOTHER O. J.
- Wednesday 30 DecemberBy Peggy
What can she say? She's boring her show was boring.
- Wednesday 30 DecemberBy Benny
Charlie has always been an abusive creepoid...threatening with a knife deserves jail time.
MORE ABOUT Denise Richards
Find the latest stories, biography, photos, videos, and more.Read more about Denise Richards Li
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Is it Brad(ley) and Jen take 2? Jen was spotted out on the town with dreamboat ...
Paris Hilton
After Fairly Legal actress, Sarah Shahi, laid into Paris via Twitter for almost...
Kate Middleton
Kate Middleton is officially a princess. She walked the aisle in an Alexander...
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According to Denise, she's not sure that her estranged ex is completely sober....
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34 year old woman | San Francisco, CA, USA | Seeking men 35-40 within 900 miles
Born, raised and live in the SFBay Area- SSF. Foodie. Social drinker. Very Independent and Responsible Mom. Studied Acting for Film. Work in HR for a Health Agency. Love playing with make-up, hanging out with family and girl friends, and being a big kid. Most guys ask me if I have time to date, and I make time to date. I've altered my work life so that I can have time to date. I usually have dinner and drinks after work with girl friends, catch up with long time girl friends, or I am hanging out with my daughter. I am really close to my family. You can make time for anything depending on how bad you want it.. My ideal date takes good care of himself, we have a lot to show and teach each other, and we learn from each other. He stimulates my mind and we laugh a lot. He likes to take charge and has a strong masculine energy. He is very affectionate and makes me feel safe. He embraces the fact that I am a goofy woman and we are imperfectly perfect. We compliment each other. We both enjoy eating out and cooking. He appreciates my sassiness and fiery personality. He accepts that I will always be an animation fanatic, and allows me to express myself however I choose. He supports whatever my hobbies are and loves my open mindedness.
Book club , Coffee and conversation , Cooking , Dining out , Hobbies and crafts , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Religion/Spiritual , Shopping/Antiques , Travel/Sightseeing , Video games , Wine tasting
Aerobics, Basketball, Billiards / Pool, Bowling, Dancing, Football, Martial arts, Other types of exercise, Running, Walking / Hiking, Weights / Machines, Yoga
I exercise 3-4 times per week.
I like Birds, Cats, Dogs, Exotic Pets, Fish, Other
I like all animals but don't own any.
Very Liberal
Patio Filipino (Fave Filipino Restaurant), Ebisu (Fave Japanese), Hog Island Oyster (Best Oysters and Clam Chowder)... I drink where I eat.
Academy of Art University, San Francisco, CA
Hot weather, bikinis, good beats, good music, good FOOD!
Movies, movies, movies. Happy Hour, live San Francisco Sporting events, dining out. I love eating out.
The Power of the Subconscious Mind by Joseph Murphy
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'4" (162cms)
|6'0" (182cms) to 6'6" (198cms)
|Body type:
|About average, Athletic and toned
|Black, Blue, Brown, Grey, Green, Hazel
|Black, Light brown, Dark brown, Blonde, Salt and pepper, Dark blonde, Bald
|No Way
|No Way
|Social Drinker
|Social Drinker
|Self-Employed / Entrepreneur
|No preference
HR, Health and Wellness
|$75,001 to $100,000
|$75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married
|Have kids:
|Yes, and they live at home (1)
|Yes, and they sometimes live at home, No, Yes, and they live away from home, Yes, and they live at home
|Wants kids:
|Probably not
|Not sure, Probably not, No, No, but it's OK if my partner has kids
|Asian, Pacific Islander
|Black / African descent, Latino / Hispanic, Middle Eastern, Native American, Pacific Islander, White / Caucasian, Other
I'm full Filipina-American
|Spiritual but not religious
|Spiritual but not religious, Other
|Bachelors degree
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral


text:
Book your room at Country Inns & Suites By Carlson, Council Bluffs
Get an overview of this hotelHotel in Council Bluffs with free breakfast and indoor pool
Situated in Council Bluffs, this hotel is within a 10-minute walk of Mid-America Center, Joe's Karting, and Horseshoe Council Bluffs. Bluffs Run Greyhound Park and Dodge Riverside Golf Club are also within 3 mi (5 km).
Hotel Features
Along with an indoor pool, this hotel has a fitness center and coffee/tea in the lobby. Free buffet breakfast and free self parking are also provided. Other amenities include meeting rooms, a 24-hour front desk, and an arcade/game room.
Room Amenities
All 133 rooms offer conveniences like microwaves and coffee makers, along with free WiFi, free wired Internet, and satellite TV. Other amenities available to guests include free weekday newspapers, free local calls, and hair dryers.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Country Inns & Suites By Carlson, Council Bluffs features an indoor pool and a fitness center. A complimentary breakfast is offered. Event facilities measuring 678 square feet (63 square meters) include meeting rooms. This Council Bluffs hotel also offers an arcade/game room, coffee/tea in the lobby, and complimentary newspapers in the lobby. Complimentary self parking is available on site.
- Indoor pool
- Free newspapers in lobby
- Fitness facilities
- Meeting rooms
- 24-hour front desk
- Express check-out
- Express check-in
- Safe-deposit box at front desk
- Total number of rooms - 133
- ATM/banking
- Fireplace in lobby
- Coffee/tea in lobby
- Arcade/game room
- Elevator/lift
- Number of floors - 3
- Free breakfast
- Year Built 1985
- Conference space size (feet) - 678
- Conference space size (meters) - 63
- Free self parking
Family Friendly Amenities
- Indoor pool
- Free Wi-Fi
- Rollaway/extra beds available
- Arcade/game room
- Microwave
Available in all rooms: Free WiFi , Free wired high-speed Internet
Free self parking
Room Amenities
- Premium TV channels
- Pay movies
- Blackout drapes/curtains
- Air conditioning
- Climate control
- Free weekday newspaper
- Free local calls
- Coffee/tea maker
- Microwave
- Hair dryer
- Shower only
- Satellite TV service
- Iron/ironing board
- Desk
- Daily housekeeping
- Rollaway/extra beds available
- Cribs/infant beds available
- Free WiFi
- Free wired high-speed Internet
Where to Eat
Guests are offered a complimentary hot/cold buffet breakfast.
Nearby Things to Do
Recreational amenities at the hotel include an indoor pool and a fitness center.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessibility equipment for the deaf
- Accessible bathroom
- Accessible path of travel
- Accessible parking
- In-room accessibility
- Roll-in shower
Hotel Policies
Check-in time starts at 4 PM
Payment types
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Cribs (infant beds) are available for an additional fee
- Rollaway bed fee: USD 6.00 per night


text:
Robert Sands (American football)
|This article needs additional citations for verification. (June 2013)
|No. -- Free Agent
Sands in Bengals training camp, 2012
|Date of birth:
|November 3, 1989
|Place of birth:
|Jacksonville, Florida
|Career information
|CFL status:
|West Virginia
Robert Sands (born November 3, 1989) is an American football safety who most recently played for the Edmonton Eskimos of the Canadian Football League (CFL). He was drafted by the Cincinnati Bengals in the fifth round of the 2011 NFL Draft. He played college football for the West Virginia Mountaineers.
College career[edit]
Sands played college football for the West Virginia Mountaineers. After his junior season, Sands announced that he would forgo his senior season and enter the 2011 NFL Draft.[1]
Professional career[edit]
Cincinnati Bengals[edit]
Sands was drafted by the Cincinnati Bengals with the 134th overall pick in the 2011 NFL Draft. He agreed to terms on a rookie contract on July 29. On December 4, 2011, Sands made his debut against the Pittsburgh Steelers but did not record any stats. He was placed on injured reserve on August 24, 2012, due to a chest injury. The Bengals released him on June 12, 2013.
In January 2013, Sands was arrested and charged with assault in the fourth degree in a domestic violence incident.[2]
- ^ Safety Robert Sands to enter draft
- ^ Taylor, Kelly (January 4, 2013). "Bengals player arrested one day before playoffs". Fox19.
External links[edit]
- Career statistics and player information from NFL.com • ESPN • Pro-Football-Reference
- Cincinnati Bengals bio
- Edmonton Eskimos bio Archive copy at the Wayback Machine
- West Virginia Mountaineers bio


text:
Temperatures may hit 80 today along Treasure Coast
Winds are calm under mostly cloudy skies along the Treasure Coast this morning.
Temperatures around the Treasure Coast were around 65 early in the morning, with some areas reporting fog.
Temperatures will rapidly warm and may hit 80 later today. There is a slight chance of an afternoon shower. Winds will be out of the south southeast at 5 to 10 mph.
A weak cool front will move through tonight, with little change to temperatures. Winds will increase during the remainder of the week and into Saturday. On Wednesday, winds will be out of the north northeast at 5-15 mph, with gusts as high as 20 mph.
Rain chances will increase toward the end of the week and toward the weekend.
Seas are averaging 2 to 3 feet along the coast and conditions are mostly smooth on the intracoastal waters.
High tides will be at 10:31 a.m. and 10:34 p.m. Next low tide will be at 5 p.m.
Today: High 80, low 59.
Wednesday: High 76, low 64.
Thursday: High 77, low 66.
Friday: High 77, low 64.
Saturday:High 78.
Subscribe to TCPalm
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Robert Morris Colonials at Central Connecticut State Blue Devils Basketball
Sat, Mar 2, 2013 3:30 pm
Detrick Gymnasium, New Britain, CT
Sorry, this event has already taken place. Please see similar events below.
|Tweet | State Guides | Gift Certificates | Policies | Blog | About Us | TicketMasters sold out |


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prints, fire works prints, illinois prints, canal prints, illinois & michigan canal. fourth of july prints, blue prints, water prints, landscape prints, night prints, utica il prints, bridge prints
All prints ship in durable cardboard tubes.
Fine Art America is one of the largest, most-respected giclee printing companies in the world with over 40 years of experience producing museum-quality prints. All of our prints are produced on state-of-the-art, professional-grade Epson printers.
We use acid-free papers and canvases with archival inks to guarantee that your prints last a lifetime without fading or loss of color. Paper prints include a 1" white border around the image to allow for future framing and matting. Canvas prints include a 2.5" white border to allow for future stretching on stretcher bars.
Prints ship within 3 - 4 business days in durable cardboard tubes.
Fireworks over the I & M Canal July 2, 2011 Utica, IL
I look forward with enthusiasm to the adventures of the day. ~~~louise hay~~~ �It's not what you look at that matters, it's what you see.� - Henry David Thoreau My passion for photography started when I received my first camera at the age of 10, a Kodak Brownie. The wonderful photos in the Life Magazines that came weekly to my home also inspired me. Now whenever I have a break in my busy life, I am either reading, studying, collecting or playing with photography. I was born and raised in Newton, Massachusetts and attended the University of Denver in Colorado. I met my husband Tom backpacking in Europe in 1972. I have worked for Jay Baxter CPA for 25 yrs as an Accountant and an Enrolled Agent. I reside in Utica, IL and have two grown...
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If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
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text:
The James Beard Foundation recently announced the three finalists in the "Vegetable Focused and Vegetarian" category of their 2013 Cookbook Awards. The James Beard Cookbook Award winners will be made known at an awards gala, hosted by Ted Allen of the Food Network, at Gotham Hall in New York City on May 3.
And the nominees for the "Vegetable Focused and Vegetarian" category are...
Herbivoracious: A Vegetarian Cookbook for People Who Love to Eat
By Michael Natkin
Foraged Flavor: Finding Fabulous Ingredients in Your Backyard or Farmer's Market, with 88 Recipes
By Tama Wong and Eddy Leroux
Roots: The Definitive Compendium with more than 225 Recipes
By Diane Morgan
Congratulations to these fine finalists! We're big fans of you all here at Foodista.
Related Articles
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- The Cookbook Collector: Candle 79 + Mixed Grain Waffles with Raspberry Butter
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Related Recipes
- Easy Breakfast Cookie
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- Pumpkin, celery root and carrot salad
- Creamy Artichoke Dip with Dill
- Simple and Satisfying: Stuffed Peppers
- Triple Chocolate Vegan Banana Bread
- Dandelion pesto
- Vegan Texas-Fried "Steak" Bites
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text:
Opinion: War-weary veterans need the fulfilling effect of arts in their lives
More than 2.4 million Americans have served in Iraq and Afghanistan since 9/11. As a country, we have largely come to know them through caricatures on television and in the movies. They are Rangers and SEALs, the proud and the few, macho and elite.
Perhaps because of these media caricatures of the warrior machine, we seem not to understand that veterans have real, full lives that can be reflected better in, and be better enriched by, the arts.
It's little known that, through three centuries of war, the arts have found a home in our military. The ennobling sense of calm, control and beauty that all of us experience when we reach for a book or listen to a symphony is equally if not more vital to men or women who have been to battle.
Read more about Roman Baca and the importance of the arts to veterans in the New York Daily News.
For more, read another story about Roman Baca, one of American Homecomings' featured veterans.


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text:
Originally written on Fox Sports | Last updated 7/1/12
Ai Miyazato shot a 6-under 65 on Sunday to overcome a five-shot deficit and win the NW Arkansas Championship for her second LPGA Tour victory of the year. The Japanese star made a 5-foot birdie putt on No. 18 to reach 12 under for the tournament, and her ninth career LPGA Tour victory was secured when Mika Miyazato missed a 15-foot birdie attempt on No. 18. Ai Miyazato had seven birdies and one bogey in the final round to finish a stroke ahead of Mika Miyazato and Azahara Munoz. Ai Miyazato also won the LOTTE Championship in April. Mika Miyazato had a 67, and Munoz closed with a 65. Veronica Felibert of Venezuela, who opened the day with a four-shot lead, shot a 72 for a share of fourth at 10 under.
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