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Unisys Announces Fourth-Quarter and Full-Year 2012 Financial Results PR Newswire BLUE BELL, Pa., Jan. 29, 2013 BLUE BELL, Pa., Jan. 29, 2013 /PRNewswire/ -- Fourth-Quarter 2012 oRevenue down 1 percent vs. 4Q 2011; flat on a constant currency^(1) basis oDiluted EPS of $1.67 vs. $1.94 in 4Q 2011 oNon-GAAP diluted EPS^(2) of $2.27 vs. $2.22 in 4Q 2011 oFree cash flow^(3) of $118 million; free cash flow of $144 million before pension contributions Full-Year 2012 oRevenue down 4 percent vs. FY 2011; down 1 percent on a constant currency basis oDiluted EPS of $2.84 vs. $2.71 for FY 2011 oNon-GAAP diluted EPS of $5.50 vs. $5.18 for FY 2011 oFree cash flow of $129 million; free cash flow of $330 million before pension contributions Unisys Corporation (NYSE: UIS) today reported fourth-quarter 2012 net income of $81.8 million, or $1.67 per diluted share, which included $30.4 million of pension expense. In the fourth quarter of 2011, the company reported net income of $94.3 million, or $1.94 per diluted share, which included $6.7 million of pension expense and a $7.6 million debt reduction charge. Excluding pension expense and debt reduction charges, non-GAAP diluted earnings per share in the fourth quarter of 2012 was $2.27 compared with $2.22 in the fourth quarter of 2011. Fourth-quarter 2012 revenue declined 1 percent to $979 million from $985 million in the fourth quarter of 2011. Fourth-quarter 2012 revenue was flat year-over-year on a constant currency basis. For the full year of 2012, Unisys reported net income of $129.4 million, or $2.84 per diluted share, which included $105.4 million of pension expense and $30.6 million of debt reduction charges. For the full year of 2011, the company reported net income of $120.5 million, or $2.71 per diluted share, which included $28.0 million of pension expense, $85.2 million of debt reduction charges and an $8.9 million charge related to the settlement of a Brazilian non-income tax matter. Excluding these items, non-GAAP earnings per share for the full year of 2012 was $5.50 compared with $5.18 for the full year of 2011. Full-year 2012 revenue declined 4 percent to $3.71 billion from full-year 2011 revenue of $3.85 billion. On a constant currency basis, full-year 2012 revenue declined 1 percent compared with the full year of 2011. "We had a good finish to the year driven by a strong performance in our technology business," said Unisys Chairman and CEO Ed Coleman. "Sales of our ClearPath software and servers grew in the quarter and for the year, exceeding our goal, as customers responded positively to continued innovations in our flagship technology platform. In our services business, we were pleased to see our revenue and margins improve in the quarter from a challenging third quarter, although we still have more work to do to meet our services growth and margin targets. "These results capped off another year of progress for Unisys," Coleman said. "In an uncertain business environment, we increased our profitability and generated significant free cash flow. From a balance sheet perspective, we achieved a major milestone for the company by eliminating the rest of our high-interest debt and completing our multi-year program to reduce debt by $1 billion. We also continued to enhance our solution portfolio to strengthen our competitive profile. We remain focused on driving profitable growth in the year ahead." Fourth-Quarter Company and Business Segment Highlights International revenue grew 6 percent in the fourth quarter, largely offsetting a 10 percent decline in U.S. revenue. On a constant currency basis, international revenue grew 7 percent as increases in Europe and Latin America offset declines in Asia Pacific. The company reported an overall fourth-quarter 2012 gross profit margin of 29.2 percent, up from 28.4 percent in the year-ago quarter. Operating expenses (SG&A and R&D expenses) increased 8 percent from the year-ago period, reflecting higher pension expense and investments in growth programs. Fourth-quarter 2012 operating profit declined to 11.7 percent of revenue from 12.3 percent of revenue in the fourth quarter of 2011. The company reported fourth-quarter 2012 operating profit of $114.6 million, which included $31.5 million of pension expense, compared with a fourth-quarter 2011 operating profit of $121.6 million, which included $8.1 million of pension expense. Fourth-quarter 2012 services revenue declined 4 percent (3 percent on a constant currency basis) from the prior-year quarter. Fourth-quarter 2012 services gross profit margin improved slightly to 20.2 percent from 20.0 percent a year ago while services operating profit margin declined to 6.6 percent from 7.6 percent a year ago. Fourth-quarter 2012 services order signings declined from year-ago levels. Services backlog at December 31, 2012 was $5.1 billion, an 8 percent decrease from services backlog at December 31, 2011. Fourth-quarter 2012 technology revenue grew 16 percent from the prior-year quarter driven by strong sales of ClearPath software and servers. Reflecting the higher ClearPath sales, fourth-quarter 2012 technology gross profit margin improved to 68.1 percent from 65.9 percent in the year-ago quarter and technology operating profit margin improved to 43.9 percent from 37.7 percent in the year-ago quarter. Cash Flow and Balance Sheet Highlights Unisys generated $154 million of cash from operations in the fourth quarter of 2012, including $26 million of pension contributions. In the fourth quarter of 2011, the company generated $159 million of cash from operations, which included $19 million of pension contributions. Capital expenditures in the fourth quarter of 2012 were $36 million compared with $33 million in the year-ago quarter. The company generated $118 million of free cash flow in the fourth quarter of 2012 compared with free cash flow of $126 million in the fourth quarter of 2011. Free cash flow before pension contributions was $144 million in the fourth quarter of 2012 compared with $145 million in the year-ago quarter. Unisys made $202 million in pension contributions in 2012 compared with $83 million of pension contributions in 2011. For the full year of 2012, the company generated free cash flow of $330 million before pension contributions compared with $266 million of free cash flow before pension contributions in 2011. During 2012 Unisys eliminated all remaining high-interest debt and met, more than a year early, its goal of reducing debt by 75 percent from September 2010 levels. Since 2008 the company has reduced its debt by $1 billion. At December 31, 2012, the company reported a cash balance of $656 million and total debt of $210 million. Non-GAAP Information Unisys reports its results in accordance with Generally Accepted Accounting Principles (GAAP) in the United States. However, in an effort to provide investors with additional perspective regarding the company's results as determined by GAAP, the company also discusses, in its earnings press release and/or earnings presentation materials, non-GAAP information which management believes provides useful information to investors. Our management uses supplemental non-GAAP financial measures internally to understand, manage and evaluate our business and assess operational alternatives. These non-GAAP measures may include non-GAAP diluted earnings per share, free cash flow, and constant currency. Our non-GAAP measures are not intended to be considered in isolation or as substitutes for results determined in accordance with GAAP and should be read only in conjunction with our consolidated financial statements prepared in accordance with GAAP. (See GAAP to non-GAAP reconciliations attached.) ^(1) Constant currency – The company refers to growth rates at constant currency or adjusting for currency so that the business results can be viewed without the impact of fluctuations in foreign currency exchange rates to facilitate comparisons of the company's business performance from one period to another. Constant currency for revenue is calculated by retranslating current and prior period results at a consistent rate. This approach is based on the pricing currency for each country which is typically the functional currency. Generally, when the dollar either strengthens or weakens against other currencies, the growth at constant currency rates will be higher or lower, respectively, than growth reported at actual exchange rates. ^(2) Non-GAAP diluted earnings per share - As a result of debt reduction actions, Unisys recorded a charge of $7.6 million during the fourth quarter of 2011. The company also recorded pension expense of $30.4 million and $6.7 million during the fourth quarters of 2012 and 2011, respectively. For the full years of 2012 and 2011, Unisys recorded debt reduction charges of $30.6 million and $85.2 million, respectively, and pension expense of $105.4 million and $28.0 million, respectively. In addition, for full year 2011 the company incurred a charge of $8.9 million related to a Brazil non-income tax case. In an effort to provide investors with a perspective on the company's earnings without these charges, they are excluded from the non-GAAP diluted earnings per share calculations. ^(3) Free cash flow – To better understand the trends in our business, we believe that it is helpful to present free cash flow, which we define as cash flow from operations less capital expenditures. Management believes this measure gives investors an additional perspective on cash flow from operating activities in excess of amounts required for reinvestment. Because of the significance of the company's pension funding obligations in 2012, free cash flow before pension funding is also provided. Conference Call Unisys will hold a conference call today at 5:30 p.m. Eastern Time to discuss its results. The listen-only Webcast, as well as the accompanying presentation materials, can be accessed on the Unisys Investor Web site at www.unisys.com/investor. Following the call, an audio replay of the Webcast, and accompanying presentation materials, can be accessed through the same link. About Unisys Unisys is a worldwide information technology company. We provide a portfolio of IT services, software, and technology that solves critical problems for clients. We specialize in helping clients secure their operations, increase the efficiency and utilization of their data centers, enhance support to their end users and constituents, and modernize their enterprise applications. To provide these services and solutions, we bring together offerings and capabilities in outsourcing services, systems integration and consulting services, infrastructure services, maintenance services, and high-end server technology. With approximately 23,000 employees, Unisys serves commercial organizations and government agencies throughout the world. For more information, visit www.unisys.com. Forward-Looking Statements Any statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements include, but are not limited to, any projections of earnings, revenues, or other financial items; any statements of the company's plans, strategies or objectives for future operations; statements regarding future economic conditions or performance; and any statements of belief or expectation. All forward-looking statements rely on assumptions and are subject to various risks and uncertainties that could cause actual results to differ materially from expectations. Risks and uncertainties that could affect the company's future results include the company's ability to drive profitable growth in consulting and systems integration; the company's ability to take on, successfully implement and grow outsourcing operations; market demand for the company's high-end enterprise servers and maintenance on those servers; the potential adverse effects of aggressive competition in the information services and technology marketplace; the company's ability to retain significant clients; the company's ability to effectively anticipate and respond to volatility and rapid technological change in its industry; the adverse effects of global economic conditions; the company's significant pension obligations and potential requirements to make significant cash contributions to its defined benefit pension plans; the success of the company's program to reduce costs, focus its global resources and simplify its business structure; the risks that the company's contracts may not be as profitable as expected or provide the expected level of revenues and that contracts with U.S. governmental agencies may subject it to audits, criminal penalties, sanctions and other expenses and fines; the risk that the company may face damage to its reputation or legal liability if its clients are not satisfied with its services or products; the risk that breaches of data security could expose the company to legal liability and could harm its business and reputation; the performance and capabilities of third parties with whom the company has commercial relationships; the risks of doing business internationally when more than half of the company's revenue is derived from international operations; the company's ability to access capital and credit markets to address its liquidity needs; the potential for intellectual property infringement claims to be asserted against the company or its clients; the possibility that pending litigation could affect the company's results of operations or cash flow; the business and financial risk in implementing future dispositions or acquisitions; and the company's consideration of all available information following the end of the year and before the filing of the Form 10-K and the possible impact of this subsequent event information on its financial statements for the reporting period. Additional discussion of factors that could affect the company's future results is contained in its periodic filings with the Securities and Exchange Commission. The company assumes no obligation to update any forward-looking statements. RELEASE NO.: 0129/9151 Unisys is a registered trademark of Unisys Corporation. All other brands and products referenced herein are acknowledged to be trademarks or registered trademarks of their respective holders. UNISYS CORPORATION CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (Millions, except per share data) Three Months Year Ended December 31 Ended December 31 2012 2011 2012 2011 Revenue Services $805.7 $835.3 $3,192.4 $3,354.6 Technology 173.6 150.0 514.0 499.2 979.3 985.3 3,706.4 3,853.8 Costs and expenses Cost of revenue: Services 640.7 662.2 2,567.7 2,672.8 Technology 52.7 42.8 165.2 194.0 693.4 705.0 2,732.9 2,866.8 Selling, general and administrative 150.8 139.8 572.8 586.3 Research and development 20.5 18.9 81.5 76.1 864.7 863.7 3,387.2 3,529.2 Operating profit 114.6 121.6 319.2 324.6 Interest expense 2.5 11.4 27.5 63.1 Other income (expense), net (2.7) 1.1 (37.6) (55.5) Income before income taxes 109.4 111.3 254.1 206.0 Provision for income taxes 20.5 12.4 97.3 64.8 Consolidated net income 88.9 98.9 156.8 141.2 Net income attributable to noncontrolling interests 3.0 0.6 11.2 7.2 Net income attributable to Unisys Corporation 85.9 98.3 145.6 134.0 Preferred stock dividend 4.1 4.0 16.2 13.5 Net income attributable to Unisys Corporation common shareholders $81.8 $94.3 $129.4 $120.5 Earnings per common share attributable to Unisys Corporation Basic $ 1.86 $ 2.17 $ 2.95 $ 2.79 Diluted $ 1.67 $ 1.94 $ 2.84 $ 2.71 Shares used in the per share computations (thousands): Basic 43,976 43,392 43,864 43,145 Diluted 51,307 50,799 51,216 49,478 UNISYS CORPORATION SEGMENT RESULTS (Unaudited) (Millions) Total Eliminations Services Technology Three Months Ended December 31, 2012 Customer revenue $979.3 $805.7 $173.6 Intersegment ($37.3) 1.8 35.5 Total revenue $979.3 ($37.3) $807.5 $209.1 Gross profit percent 29.2% 20.2% 68.1% Operating profit percent 11.7% 6.6% 43.9% Three Months Ended December 31, 2011 Customer revenue $985.3 $835.3 $150.0 Intersegment ($32.4) 3.6 28.8 Total revenue $985.3 ($32.4) $838.9 $178.8 Gross profit percent 28.4% 20.0% 65.9% Operating profit percent 12.3% 7.6% 37.7% Year Ended December 31, 2012 Customer revenue $3,706.4 $3,192.4 $514.0 Intersegment ($123.1) 3.8 119.3 Total revenue $3,706.4 ($123.1) $3,196.2 $633.3 Gross profit percent 26.3% 20.0% 63.9% Operating profit percent 8.6% 6.4% 33.1% Year Ended December 31, 2011 Customer revenue $3,853.8 $3,354.6 $499.2 Intersegment ($102.6) 6.3 96.3 Total revenue $3,853.8 ($102.6) $3,360.9 $595.5 Gross profit percent 25.6% 20.0% 56.9% Operating profit percent 8.4% 6.9% 21.5% UNISYS CORPORATION CONSOLIDATED BALANCE SHEETS (Unaudited) (Millions) December 31, December 31, 2012 2011 Assets Current assets Cash and cash equivalents $655.6 $714.9 Accounts and notes receivable, net 670.2 673.0 Inventories Parts and finished equipment 29.3 38.1 Work in process and materials 20.7 26.7 Deferred income taxes 21.6 27.1 Prepaid expense and other current assets 115.0 123.6 Total 1,512.4 1,603.4 Properties 1,262.2 1,257.2 Less accumulated depreciation and amortization 1,085.8 1,065.9 Properties, net 176.4 191.3 Outsourcing assets, net 126.3 137.9 Marketable software, net 124.2 129.8 Prepaid postretirement assets 3.3 43.9 Deferred income taxes 162.7 181.5 Goodwill 192.3 192.5 Other long-term assets 122.8 131.9 Total $2,420.4 $2,612.2 Liabilities and deficit Current liabilities Current maturities of long-term debt $0.3 $0.9 Accounts payable 228.6 241.6 Deferred revenue 389.5 448.1 Other accrued liabilities 411.9 425.5 Total 1,030.3 1,116.1 Long-term debt 210.0 358.8 Long-term postretirement liabilities 2,553.5 2,224.0 Long-term deferred revenue 123.1 120.3 Other long-term liabilities 92.2 104.0 Commitments and contingencies Total deficit (1,588.7) (1,311.0) Total $2,420.4 $2,612.2 UNISYS CORPORATION CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Millions) Year Ended December 31 2012 2011 Cash flows from operating activities Consolidated net income $156.8 $141.2 Add (deduct) items to reconcile consolidated net income to net cash provided by operating activities: Loss on debt extinguishment 30.6 85.2 Employee stock compensation 14.3 13.9 Company stock issued for U.S. 401(k) plan 6.2 11.8 Depreciation and amortization of properties 54.7 66.4 Depreciation and amortization of outsourcing assets 57.9 62.7 Amortization of marketable software 62.0 65.7 Disposals of capital assets 6.3 1.4 Gain on sale of businesses and assets (11.7) (2.2) Decrease in deferred income taxes, net 36.5 28.6 (Increase) decrease in receivables, net (11.2) 92.1 Decrease in inventories 14.2 22.1 Decrease in accounts payable and other accrued liabilities (73.7) (214.4) Decrease in other liabilities (200.7) (50.6) Decrease (increase) in other assets 121.8 (5.9) Other (2.7) (0.8) Net cash provided by operating activities 261.3 317.2 Cash flows from investing activities Proceeds from investments 4,108.5 691.2 Purchases of investments (4,107.2) (688.2) Restricted deposits (0.6) 50.7 Investment in marketable software (56.4) (51.7) Capital additions of properties (40.1) (42.2) Capital additions of outsourcing assets (36.1) (40.5) Net proceeds from sale of businesses and assets 5.2 (15.6) Net cash used for investing activities (126.7) (96.3) Cash flows from financing activities Proceeds from issuance of preferred stock, net of - 249.7 issuance costs Payments of long-term debt (388.9) (555.7) Dividends paid to noncontrolling interests (4.5) (0.4) Dividends paid on preferred shares (16.2) (12.2) Proceeds from exercise of stock options 0.4 1.4 Proceeds from issuance of long-term debt 204.8 - Financing fees - (2.2) Net cash used for financing activities (204.4) (319.4) Effect of exchange rate changes on cash and cash 10.5 (14.9) equivalents Decrease in cash and cash equivalents (59.3) (113.4) Cash and cash equivalents, beginning of period 714.9 828.3 Cash and cash equivalents, end of period $655.6 $714.9 ( 1 ) UNISYS CORPORATION RECONCILIATION OF SELECTED GAAP MEASURES TO NON-GAAP MEASURES (Unaudited) (Millions, except per share data) Three Months Year Ended December 31 Ended December 31 2012 2011 2012 2011 GAAP net income attributable to Unisys Corporation common shareholders $81.8 $94.3 $129.4 $120.5 Debt reduction charges, net of tax 0.0 7.6 30.6 85.2 Brazil non-income tax case, net of tax 8.9 FAS87 pension charges, net of tax 30.4 6.7 105.4 28.0 Non-GAAP net income attributable to Unisys Corporation common shareholders 112.2 108.6 265.4 242.6 Add preferred stock dividend 4.1 4.0 16.2 13.5 Non-GAAP net income attributable to Unisys Corporation for diluted earnings per share $116.3 $112.6 $281.6 $256.1 Weighted average shares (thousands) 43,976 43,392 43,864 43,145 Plus incremental shares from assumed conversion: Employee stock plans 419 494 439 553 Preferred stock 6,913 6,913 6,913 5,780 GAAP Adjusted weighted average shares 51,307 50,799 51,216 49,478 Diluted earnings per share GAAP basis GAAP net income attributable to Unisys Corporation for diluted earnings per share $85.9 $98.3 $145.6 $134.0 Divided by adjusted weighted average 51,307 50,799 51,216 49,478 shares GAAP net income per diluted share $ 1.67 $ 1.94 $ 2.84 $ 2.71 Non-GAAP basis Non-GAAP net income attributable to Unisys Corporation for diluted earnings per share $116.3 $112.6 $281.6 $256.1 Divided by Non-GAAP adjusted weighted 51,307 50,799 51,216 49,478 average shares Non-GAAP net income per diluted share $ 2.27 $ 2.22 $ 5.50 $ 5.18 ( 2 ) UNISYS CORPORATION RECONCILIATION OF GAAP TO NON-GAAP (Unaudited) (Millions) FREE CASH FLOW Three Months Year Ended December 31 Ended December 31 2012 2011 2012 2011 Cash provided by operations $153.9 $159.5 $261.3 $317.2 Additions to marketable software (13.5) (14.8) (56.4) (51.7) Additions to properties (14.1) (9.3) (40.1) (42.2) Additions to outsourcing assets (8.3) (9.2) (36.1) (40.5) Free cash flow 118.0 126.2 128.7 182.8 Pension funding 26.4 19.1 201.5 82.7 Free cash flow before pension funding $144.4 $145.3 $330.2 $265.5 SOURCE Unisys Corporation Website: http://www.unisys.com Contact: Investor Contact: Niels Christensen, +1-215-986-6651, email@example.com; Media Contact: Jim Kerr, +1-215-986-5795, email@example.com
Unisys Announces Fourth-Quarter and Full-Year 2012 Financial Results
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|27 posts found
Apprentice Member
Joined: 12/09/08
MMORPGs are no longer about the mass multi-user
Originally posted by coretex666
I think Mannish put it very well in his message above that we all miss our old classes... I agree with you that a lot of changes in the past made Lineage II less appealing for us, but I hope that this is the 1st change to make L2 back the way it was in the early game. At least this news made me download and install L2 again ;-)
Demigoth's RPG adventures ~ My blog
AsRock 990FX Extreme3
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Novice Member
Joined: 7/30/04
"Blue, blue."
Originally posted by Mannish
Ah, thanks for the clarification :). Bah, that's a bummer about the changes not coming around until April, but that's life heh. I'm just excited that they're making a somewhat "retro-active" change like that. Most companies I know (like SOE for example) wouldn't go back on a change like that no matter what, as I guess they figure it comes off as a sign of "weakness" or something. To me though, it's way more admirable when a company admits to a direction being a bit misguided and then rectifies the mistake. I'm not saying that the current L2 is a "mistake" of course, but I think having the wide variety of classes from the older days was definitely one of the strong points to the game, for many people. I will certainly be giving it another whirl when the changes hit, in any case.
And that's great to hear about the Chronos server. The only reason I was kind of interested in the EU servers is that I had heard that the "Innova" company was pretty well respected for running things, and keep bots at a minimum. I'm not sure how much truth there is to that, but I'd be tempted to play there if it is.
By the way, I had one other question - what's the leveling process like in the game now? Has it become a bit more quest driven or is it still just moving from grind spot to grind spot? I know many players loved the plain grinding aspect of the game, but that was one of the things I wasn't as fond of. I was hoping they might have added other ways to progress since the last time I played.
Thanks again.
Elite Member
Joined: 9/03/08
Playing: Aion
I will be honest with you and tell that Lineage 2 still has bots and cheaters. The game has always been like that and it always will be. Just something you have to accept and deal with. Now if you are still with me I cant say much about Innova because me personally I will never play on a server thats not an official NC Soft server so I have zero intrest in Innova.
As for as leveling you can go from 1-85 in a week or two depending on play time. Afther you awaken at 85 your main source of xp will be doing daily quest but you are always welcome to grind if you want to but its just not worth it anymore. The days of grinding for hours is over which some like and some hate.
Made History
Joined: 7/11/11
Pink, it's like red but not quite.
Originally posted by Dahkot72
Sounds like Enya. Well, to each his own, I guess.
Self-pity imprisons us in the walls of our own self-absorption. The whole world shrinks down to the size of our problem, and the more we dwell on it, the smaller we are and the larger the problem seems to grow.
Advanced Member
Joined: 5/20/06
"Only the dead have seen the end of war" Plato
Originally posted by Reizla
I might give it another shot, and im with you guys on this L2 is one of the best MMOs ever made imho, but I dont think it will ever revert back to the game it was from prelude to C4-C5. I hope im wrong but ill give it another go.
To anyone that plays L2 today, is the game still plagued by imbalanced boss jewelery and full groups running Radar essentially making the common man not able to compete in PVP at all?
On a side note and as excited as I am for Lineage Eternal, I wish they would properly iterate on this game with an L3 release at some point, its such a great IP with a lot of potential, I really miss the political metagame, even if it was just that with an updated engine and character control.
Apprentice Member
Joined: 12/09/08
MMORPGs are no longer about the mass multi-user
Originally posted by Prenho
Unbalance was part of what made Lineage II a good MMORPG. Because of the unbalance you had to cooperate with players to achieve your goals and be victorious.
I hope that Lindvior will indeed restore my dorfie warsmith back to her old class. That was the main reason I quited Lineage II in the first place when GoD was released...
Demigoth's RPG adventures ~ My blog
AsRock 990FX Extreme3
Hard Core Member
Joined: 1/21/07
i might give it a shot again too. i think i have like 20 bucks worth of the NCsoft coins anyhows.
since it's not a full time job anymore :)
RIP Ribbitribbitt you are missed, kid.
Currently Playing EVE, DFUW
Every gun that is made, every warship launched, every rocket fired signifies, in the final sense, a theft from those who hunger and are not fed, those who are cold and not clothed.
Dwight D Eisenhower
My optimism wears heavy boots and is loud.
Henry Rollins

subset: commoncrawl


text:
Savers looking for high interest options now that Royal Bank of Canada is shutting down the high-rate accounts it acquired in the purchase of Ally can switch to Bank of Nova Scotia-owned ING Bank with no fear.
ING quickly sent out tweets trying to lure grumpy Ally customers with a special offer. Anyone taking ING up on the offer should have no worries that ING will similarly end its high rate business now that Scotia is in charge.


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LOUISVILLE SLUGGER Series 3 Stick Pack Baseball Backpack
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So I bought this for my daughter who is in 10U fast pitch. This bag is almost perfect! Has enough room for 2 bats, 1 helmet, her 12" glove, 2 visors and a face mask and on the outside zipper pocket we place her schedule. Bag has another small outside pocket for her phone or small things. Plus it does have a fence hook - not mentioned in the description and I was worried it would not have one, but it does. The only thing we could not fit in there were her cleats, but that is not a big deal.
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Endless adds growth capital expertise
05 February 2013
UK turnaround firm Endless has brought in a director from a growth capital specialist as it looks to broaden the "skill set in the team beyond our core turnaround expertise".
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This photograph captures the winning moment at the Vanderbilt Cup Auto Race, won for the first time by an American driver named George Robertson. A bright white, overcast day offers a perfect backdrop to the dark shapes of a few of the race's more than 200,000 spectators and Robertson's triumphant "locomobile." The passage of more than 100 years has turned this journalistic photograph into a nostalgic meditation on a bygone era in sports history.
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|NTY Photography, Classic Auto Race - 1908 , 15.25 x 13.25", Black
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|NTY Photography, Classic Auto Race - 1908 , 20 x 17", Black
|NTY Photography, Classic Auto Race - 1908 , 20" x 24", Black
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Head of Social@Ogilvy Washington
Washington, DC | North America
Outcomes-focused marketing executive concentrating in brand development, portfolio management and emerging communication platforms. Special interest in building brands around consumer passions: science, health, education, environment, in new platforms: digital media, online community, social media. Experience from strategic positioning to marketing execution. Relationship builder, creative thinker, data junkie, digital passionate.


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water bridge lifeproofgreen river steel
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#water #river #bridge #steel
#lifeproofgreen @lifeproof
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Proudly fly your Terps colors with this team logo appliqué flag! This vibrantly colored flag features an embroidered team logo and is large enough to display diehard devotion to your favorite team! Measures approximately 28" x 44".
- 100% Nylon construction
- Approximately 28" x 44"
- Durable, weather resistant
- Imported
- Officially licensed collegiate product
- Pole not included
- Quality embroidery
- Team colors and logo
Reviewed by 1 customer
- Authentic Look
- Quality Construction
- Shows Off Team Pride
- Stylish Design
Best Uses
- Anytime
- Around Town
- At The Game
Comments about Maryland Terrapins 28" x 44" Team Logo Applique Banner Flag:
Very high quality
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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Which motorcycle do you think should be crowned the 2015 South African Bike of the Year? Enter our awesome competition and you could win a R500 shopping voucher!
Stand a chance of winning a Samsung UA55H8000 Smart 55 inch Curved LED TV valued at R20 000 from Save Hyper!
McLaren-Honda driver Jenson Button is beyond frustrated and has appealed to the team to shake up its priorities.
Red Bull team principal says a meeting between F1's top players needs to result in wholesale changes - for the sake of the sport.
McLaren's woes are set to continue at Silverstone as driver Fernando Alonso might be penalised following his first-lap crash in Austria.
Lewis Hamilton is determined to rake up more titles than anything else, but he wants a substantial trophy to go with it at the British GP this weekend. He wants that gold...
The Red Bull F1 top brass have rubbished claims that their main driver, Daniel Ricciardo might move to Ferrari, adding more woes to a dismal 2015.
'It's something we should address internally and not make it public,' said FIA president Jean Todt as F1 CEO Bernie Ecclestone continues his criticism of the sport.
Michelin has handed down strict terms to the FIA for its proposed return to the F1 - make race tyres 'bigger'.
The ongoing drudgery faced by F1 engine-supplier Renault has come at a cost, with chief executive Carlos Ghosn claiming the automaker might quit F1.
Ferrari's Kimi Raikkonen, known for his demure attitude, was lucky to emerge unscathed from a 'pile-up' in the Austrian GP. VIDEO
Jenson Button drives Senna's McLaren F1 car
Kia SA show off its 2015 Sorento SUV. Thought your Merc was quiet...huh!
Power boost, design tweaks, new 'Motorsport Edition'.... Mercedes-Benz has given its A-Class a facelift.
Stuntman Terry Grant has broken his own record for the fastest mile travelled on 2 wheels in a 4-wheeled vehicle.
1 in 5 grown-ups admit to playing with cars... even when no kids are around.
The 2016 Focus RS will make its debut soon. VIDEO.
5 of the best behind-the-scenes moments from the Goodwood FOS.
View the Last Lion Supercar Run gallery with 112 amazing photos!
Ford is working with other automakers to develop cameras that can spot danger around corners.
Bernie Ecclestone said that the way F1 is structured means that he and FIA president Jean Todt could make major changes, so long as the latter is on board...
The streets of the ancient Azerbaijan capital of Baku will host its first Formula 1 race in 2016. We have details - and two maps.
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Originally written on Fox Sports Arizona | Last updated 2/20/12
Joe Saunders had two words for his offseason. Weird. Crazy.They seem as good as any. Saunders was a Diamondback. Then he was not. Then he was again, becoming the final piece in a starting rotation that appears as solid as any in the pitching-rich National League West. The experience of being temporarily on the job market made him stronger mentally and physically -- and maybe even a little bit sexier. My wife said my butt has gotten a little bit smaller, Saunders said with a smile, the result of all the extra work he has done to prepare for this season and beyond. Even before Saunders spent two months in limbo, he was a regular at the D-backs' training facility at Salt River Fields, with help and encouragement from strength and conditioning coach Nate Shaw. Not only is it a big year for me, but it is a big year for the team. I wanted to come up here and see what I could do for myself. I feel like Im in the best shape Ive ever been in heading into a spring training, said Saunders...
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My LO will be 13months soon and he still has his pacifier at nap/bedtimes and sometimes during the day when he's fussy. But I'm thinking it may be time to get rid of it soon, as he's becoming more and more attached to it. Is it wrong for him to still have it at this age?
Anyone's LO still have pacifier????
Glitter is the herpes of craft supplies!!
I'm thinking I want this LO off between 18 months and 2 yrs.
Love Bug 4.12.10
Chunky Butt 2.1.12
Loving my little man Suhayb Haythem *1-25-12*
Pink or Blue EDD 5-29-2013
nope I weaned at 7 months, i didnt want him having it any longer, i think it would be harder for me to wean him at 2...
We still use paci, although i am trying to limit to just naps and bedtime. She is really attached.
Yep we still use it for bedtime, I'm not positive about naps because I'm not there on week days but I think she can nap without it. If she finds one and puts it in her mouth during the day while playing, I'll pull it out of her mouth and hide it quickly and she's OK with that, never cries because i take it away or anything.
I'm really not sure to do with it now though, we've got another one coming in May and I'm hoping to avoid using pacis altogether but if we do use them I hope she doesn't try to steal them from him... which also makes it a tough time to wean because I don't want to confuse her.
1.17.12 & 5.17.13
Did you tell your 2 year old: Mommy is winning at motherfucking life? -GottaGET
It is a big part of LOs abily to sef soothe at night and sttn, so it is not going anywhere for a little while. Its use is limited during the day by me and his babsitter, but DH still lets him have it lots. So first I need to break DHs habit, then I can deal with my sons.
#1 - DS 01/25/2012 [dairy FPIES]
Canadian momma
Mine still has hers and we are not in a rush, we want to wean her at around 18 months. We wanted to do it early, but so many changes came with turning 1 so we are waiting, is the one thing that gives her comfort.


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Coconut Couscous Salad
19 Apr 2011
|Cooked couscous
|12 Ounce (350 Gram, Precooked)
|Soft dried apricots
|6 Ounce (175 Gram, No Need To Soak Type)
|Fresh chives
|3⁄4 Bunch (75 gm) (Or 1 Small Bunch)
|Unsweetened desiccated coconut
|2 Tablespoon (Or Shredded)
|Ground cinnamon
|1 Teaspoon
|Thinly sliced mint leaves
|3 Teaspoon, or shredded (To Garnish)
|For dressing
|Olive oil
|1 Tablespoon
|Unsweetened orange juice
|2 Tablespoon
|Finely grated orange rind
|1⁄2 Teaspoon
|Whole grain mustard
|1 Teaspoon
|Clear honey
|1 Teaspoon
|Chopped fresh mint leaves
|2 Tablespoon
|To Taste
|To Taste
1) Soak the couscous as per the package directions.
2) In a large saucepan, bring the water to a boil. Place the couscous in a steamer or large sieve lined with cheesecloth and keep over the boiling water. Then, steam covered as per the package directions.
3) Turn off the heat, remove in a heatproof bowl and allow to cool down.
4) Thinly slice the apricots into strips and snip the chives.
5) In the bowl with cold couscous, combine the apricots, chives, coconut, cinnamon and seasonings.
6) In a small bowl, combine all the dressing ingredients and season.
7) Pour the dressing over the couscous and blend well. Cover and place in the refrigerator for an hour.
8) Garnish with mint leaves and serve.
Recipe Summary
Difficulty Level:Easy
Course:Side Dish
Preparation Time:15 Minutes
Cook Time:60 Minutes
Ready In:75 Minutes
Rate It
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Coconut Couscous Salad Recipe


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1967 album by The Beach Boys
Pet Sounds is the eleventh studio album by the American rock band The Beach Boys, released May 16, 1966, on Capitol Records. It has been widely ranked as one of the most influential records ever released in pop music and has been ranked at number #1 … see full wiki
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1967 album by The Beach Boys
1963 album by The Beach Boys
80's rock synth electronica band


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Ahead Short Taper Drumstick Covers
Sku #445205000000000
Stick Accessories
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Protect both sticks and gear.
Ahead Short Taper Drumstick Covers are super-hard replacement polyurethane covers for your sticks. One pair.
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- LT Large-Long: Works for 5B, 2B, Lars Ulrich, Peter Criss Studio, Rick Allen, Maxum (Studio and Concert)
- MLT Marching: Works for M2 & M3
- MST Marching: Works for M1
- MT Medium: Works for 7A, 5A, Peter Criss Concert
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Comments about Ahead Short Taper Drumstick Covers:
These replacement covers are long lasting and durable. They're very safe on cymbals (as long as their not a beginner line such as Zildjian's ZBT series, because the alloy core WILL dent the cymbal) and are a way better buy than any wooden stick. I highly reccomend these covers for Ahead drumsticks.


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Shortcrust Pastry
|Plain flour
|8 Ounce (225 Gram / 2 Cups, All Purpose)
|1 Pinch
|Chilled butter/Half butter and half lard / white vegetable fat
|4 Ounce, diced
|Chilled water
|60 Milliliter (4 Tablespoon)
1. Sift the flour and salt together into a mixing bowl. Cut the fat into the flour using a pastry blender or use your fingertips to rub it in. Shake the bowl occasionally to bring any large pieces of fat to the top. Blend until the mixture resembles fine breadcrumbs.
2. Sprinkle 45ml/3 tbsp of the water evenly over the mixture and mix lightly with a round-bladed knife or fork until the dough comes together. Add a little more water if the mixture is still too dry; it should just begin to hold together.
3. Using one hand, gather the dough together to form a ball. Incorporate any loose pieces of the rubbed-in mixture. Knead on a lightly floured surface for just a few seconds until smooth.
4. Wrap the dough in clear film (plastic wrap), and chill for about 30 minutes, or until firm but not too stiff to roll. The shortcrust pastry is now ready to use.


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A 39% stake in the Philippine drinks producer San Miguel could go up for sale, according to a report by the news group Bloomberg.
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Miami Heat center Chris Bosh was back to his old ways as he videobombed teammate LeBron James during a live postgame interview after the team's 123-116 overtime win over the Toronto Raptors Wednesday night. LeBron recorded his 34th career triple double with 31 points, 11 assists and 10 rebounds. LeBron was wrapping up his interview when Bosh quietly snuck up behind him to get his face into camera view. Bosh then pretended to pick his nose before being caught by LeBron. (Note: We hope to be able to provide video as it becomes available, but until then, enjoy the photos). Photos via @SedanoShow. Visit us at holdoutsports.com and follow us on Twitter @HoldoutSports.
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Not sure where else to post this…it's where I've looked to see if I could get more info. Nothing as of yet…
I'm sure by now I can't be the only one noticing that there are no sale end dates in the store. I've also noticed that there are no end dates in the newsletters or anywhere else I can find. That's not good. People need to know these things so they can plan how much to save and spend and when.
The help desk login won't load and its search doesn't seem to bring any results or even a page refresh, so I don't know if that's working at all. As a result, I don't know if DAZ folks are already working on adding sale end dates to items. If not, they should be.
Either way, until such time as this problem is rectified, can we get a reliable place to see when sales will end? A temporary note in the item description would work fine: "Intro sale on this item ends: _____" Including this info in the newsletters would work, though not everybody gets these at the same time so that might not be the preferred spot. Even a new thread in this forum or a regularly updated reply to this post would work well.
DAZ miracle workers…do that belated magic thing you do, please.
- - - - -
Semi-related: Any chance of getting file size and expiration date returned to the downloads page?


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Kids Marathon
2015 Helen DeVos Children's Hospital Grand Rapids Kids Marathon
Download the finisher certificate – JPG
Download the finisher certificate – PDF
Registration is closed – Seeya Saturday!
October 17, 2015
FINAL INSTRUCTIONS FOR RACE DAY (Saturday, October 17, 2015, 1:30 p.m.)
Dear Runners,
Race day is almost here! Congratulations for all the hard work you have put in during your months of training! By now you should be noticing how much stronger your body feels from regular exercise and from eating the kind of foods your body needs to stay healthy and strong.
You are now ready to become "real" marathoners this weekend. We can't wait to see you!
Here is some important information for Race Day for you and your parents. There is a lot of information to read, but please be sure to read it all the way through.
1. Race Information:
Date: Saturday, October 17, 2015
Time: 1:30 p.m.
Packet Pick-Up: 12 pm – 1 pm
Location: David D. Hunting YMCA, 475 Lake Michigan Dr.
Grand Rapids, MI 49504
2. Parking:
Kids Marathon participants, spectators, and volunteers park for FREE in the GVSU Student Parking Garage on the corner of Lake Michigan Drive and Winter. Parking will be open from 10 a.m. to 4 p.m. Enter from Lake Michigan Drive.
3. Packet Pick-Up / Runner Check-in:
For Packet Pick-Up, go immediately to the north end of the YMCA parking lot and look for the Kids Marathon Packet Pick-Up Tent. You DO NOT need to go into the YMCA.
Packet Pick-Up / Runner Check-In is from 12 pm – 1 pm
Note: Over 800 runners will be checking in during packet pick-up. Therefore, please allow yourself enough time to check in and enter the runner chute. If you check in early (but please, no earlier than 12 noon), there will be some activities to do while waiting to enter the runner chute, including dancing and warm-up with GymCo, and music provided by TJ the DJ.
Packet pick-up will be broken up into groups alphabetically by LAST NAME. Look for the animal that corresponds to your last name at the Packet Pick-Up Tent:
A-E Rabbit
F-J Cheetah
K-O Horse
P-T Ostrich
U-Z Greyhound
4. Race Line-Up – 1:20 p.m. – 1:30 p.m.:
Children will line up in the start chutes in groups, alphabetically by LAST NAME. (We group the children alphabetically, instead of by age, so that families can run together.) Look for the animal that corresponds to your last name and line up by the signs:
U-Z Greyhound (this group will line up first at the start line**)
A-E Rabbit
F-J Cheetah
K-O Horse
P-T Ostrich
**PLEASE NOTE: Each year we alternate the starting order of the animals to give runners in every group the opportunity to start first. This year the "Greyhound" group (kids whose last names begin with the letters U-Z) will line up first. As indicated above, the next group will be the the Rabbits, then the Cheetahs, Horses, and Ostriches. For safety purposes, runners will start in waves based on the groups above.
Finally, we understand that there are some very fast runners, especially the older children, who would prefer to start in the front of the group instead of lining up alphabetically (since lining up alphabetically may mean that they end up at the back of the pack). This is permissible, if you and your family have agreed to this arrangement.
5. Race Start – 1:30 p.m.
National Anthem: 1:25 p.m.
Race Start: 1:30 pm
6. Race Course:
The course is an out-and-back (1.2 miles), starting and finishing at the actual Start/Finish Line of the Metro Health Grand Rapids Marathon. Runners will start on Winter Avenue by the YMCA parking lot. The course then runs as follows:
- From the Start Line, run south on Winter Ave. to Lake Michigan Drive.
- Right (west) on Lake Michigan Drive, one block to Seward.
- Right (north) on Seward to Bridge Street.
- Left (west) on Bridge Street to Lexington.
- Left (south) on Lexington to Douglas*. (*Aid station here.)
- Left (east) on Douglas to Seward.
- Right (south) on Seward to Lake Michigan Drive.
- Left (east) on Lake Michigan Drive to Winter.
- Left (north) on Winter to the Finish Line!
Parents are welcome to run with their children on the course, and we especially encourage you to run with very young children. If you want to take photos of your children during the race, please be cautious of the runners around you, and step off the race course if necessary.
Strollers: If you are running with a stroller, please stay on the side of the road.
AID STATION. There will be an aid station (water only) on Douglas Street, approximately half-way through the course. Children are encouraged to stop and rehydrate.
Street Closures/Course Marshals: Seward Street will be closed off to traffic for the safety of our runners. Additionally, the short portions of the course along Lake Michigan Drive and Bridge Street will be partially coned off to traffic, and there will be many volunteers and public safety officers directing traffic on the other side of the cones to make sure your children stay safe. Volunteer course marshals will be stationed all along the race course to monitor the event and to cheer on your children! Please take a moment to thank these volunteers for their time!
7. Race Day Tips:
o Dress in layers. Rain or shine, you will be outside for packet pick-up and the entire race.
o Wear a hat if it's cold. A lot of body heat can be lost from your head.
o When it is cold, you should warm up and then do some light stretching before you run. GymCo will be at the race site to help with warm-up and stretching.
o Make sure you are hydrated before the race and that you have had a snack or light lunch before running.
o Port-A-Johns will be available at the race site.
Packet Pick-Up begins at 12 noon. Please respect the volunteers who are setting up and refrain from asking for your race packets earlier than noon, as the volunteers may not be ready to assist you.
If you have any questions, look for any of the Grand Rapids Marathon staff.
8. Post-Race Refreshments:
Water and snacks will be served following the race in the post-race food area, which is located just past the area where the children will receive their finisher's medals and finisher's certificates. Snacks will include bagels, apples, bananas, string cheese, yogurt, and Culver's ice cream.
9. Inclement Weather Procedure:
It is our goal to allow the kids to complete their marathons regardless of weather. However, safety will not be compromised when making a determination. We will cancel the race if there is lightning or other severe weather.
If the race is canceled, we will post a notice on the website at:www.grandrapidsmarathon.com by 11 a.m. on Race Day. Runners can still pick up their race packets and t-shirts on Saturday at the David D. Hunting YMCA.
10. Sponsors & Community Partners:
We could not put this event together without the support of our Sponsors, Community Partners, and Media Partners. A great BIG thank you goes out to:
We're looking forward to seeing your smiling faces on race day!
Jan and Francine
Francine Robinson – Co-Chair
Jan Host – Co-Chair
2014 Helen DeVos Children's Hospital
Grand Rapids Kids Marathon Committee
E-mail: email@example.com -or- email@example.com
P.S. We will be leaving registration up until Sunday, October 12.


text:
ROLANDO DIAZ (Cuban/American, 20th Century). Mango Boy , 2012. Mixed media on paper . 29-3/4 x 22 inches (75.6 x 55.9 cm... (Total: 2 Items)
2012 September 14 Art From the Heart Auction Benefitting Dallas Challenge #521
|Sold for:
|Sign-in or Join (free & quick)
|Auction Ended On:
|Sep 14, 2012
|Item Activity:
2 Internet/mail bidders
1,385 page views
Heritage Auctions
3500 Maple Avenue
Dallas, TX 75219
|Printable auction results for all items in the 2012 September 14 Art From the Heart Auction Benefitting Dallas Challenge.
Mango Boy , 2012
Mixed media on paper
29-3/4 x 22 inches (75.6 x 55.9 cm)
Signed and dated lower right: R Diaz '12
Mixed Media on Paper titled, Mango Boy was created by Rolando Diaz - on air on WFAA Daybreak with Ron Corning while promoting the Art from the Heart event in April of this year. Certificate of Authenticity included.
Donated by: Rolando Diaz
Cuban/American artist Rolando Diaz is a recognized painter whose works are among collectors nationally and internationally. He has raised money for many organizations and has been helped Dallas Challenge for many years. Some of his works have auctioned as high as $25,000 and he was featured in a documentary about his life that appeared on a PBS Special titled Recapturing Cuba. Diaz has also painted live with musical celebrities such as Seth Simmons, BJ Thomas, Jewel, Amy Grant and many others, and recently performed with the Dallas Wind Symphony at The Meyerson. Dallas Challenge is lucky to have the support and friendship of such a talented artist.
About Dallas Challenge
Dallas Challenge was founded in 1984 when concerned civic leaders came together to identify and address a critical need - adolescent substance abuse. Today, there are still youth from our community dealing with this and other critical issues like truancy - issues that are negatively affecting their futures. Since inception Dallas Challenge has helped over 147,000 youth in programs that improve their health, return them to school and enhance their overall wellbeing. The ART FROM THE HEART Celebrity Art Auction & Benefit features art from celebrities and local artist that want to make a difference in our community. The event and auction raises needed funds to support the programs that keep youth in school and off drugs and alcohol. Dallas Challenge
Condition Report*:Slightly frayed edges, otherwise in very good condition, not framed
*Heritage Auctions strives to provide as much information as possible but encourages in-person inspection by bidders. Statements regarding the condition of objects are only for general guidance and should not be relied upon as complete statements of fact, and do not constitute a representation, warranty or assumption of liability by Heritage. Please note that we do not de-frame lots estimated at $1,000 or less and may not be able to provide additional details for lots valued under $500. All lots are sold "AS IS" under the Terms & Conditions of Auction.
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Cherry Cream Torte
31 Jan 2010
|Lady fingers
|6 Ounce (2 Packages)
|White grape juice/Apple juice
|2 Tablespoon
|Cream cheese
|8 Ounce, softened (1 Package)
|2⁄3 Cup (10.67 tbs)
|Almond extract
|1 Teaspoon (Divided)
|Whipping cream
|2 Cup (32 tbs), whipped
|Canned cherry pie filling
|21 Ounce (1 Can)
Split lady fingers lengthwise; brush with juice.
Place a layer of lady fingers around the sides and over the bottom of a lightly greased 9-in.spring-form pan.
In a mixing bowl, beat cream cheese until smooth; add sugar and 1/2 teaspoon extract.
Beat on medium for 1 minute.
Fold in whipped cream.
Spread half over crust.
Arrange remaining lady fingers in a spoke-like fashion.
Spread evenly with the remaining cream cheese mixture.
Cover and chill overnight.
Combine the pie filling and remaining extract; spread over the cream cheese layer.
Refrigerate for at least 2 hours.
To serve, remove sides of pan.
Garnish with almonds and whipped cream if desired.
Recipe Summary
Difficulty Level:Easy
Course:Dessert, Fruit Dessert
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Cherry Cream Torte Recipe


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Students in the University of Maryland's Quality Enhancement Systems and Teams (QUEST) honors program are used to making an impact. As part of QUEST's highly selective, reality-based learning program, they participate in courses focused on quality management, process improvement, and system design.
Smith Stories
Welcome to the Smith MBA Report, the monthly podcast that features the events, news and newsmakers of the the full time and part time MBA programs at the Robert H. Smith School of Business.
The second cohort Smith School's Leadership Academy graduated on December 20, 2013. Seventeen Smith School staff members were invited to participate in the cohort after a competitive application process.
COLLEGE PARK, Md. - Improving health and reducing health care costs nationwide depends on effective coordination between the organizations that treat patients (primary care providers) and those that work to prevent disease and promote health (public health practitioners). Read more.
On Sunday, Dec. 22, at Cole Field House on the campus of the University of Maryland at College Park, the class of December 2013 will graduate from the Robert H. Smith School of Business.
This Smith School commencement, starting 1 p.m., involves 180 undergraduates, 450 MBA and MS students, and three PhDs, who will receive their diplomas upon the completion of their degrees.
Commencement speakers include undergraduate Alaina Rothstein
About the University of Maryland's Robert H. Smith School of Business
The Robert H. Smith School of Business is an internationally recognized leader in management education and research. One of 12 colleges and schools at the University of Maryland, College Park, the Smith School offers undergraduate, full-time and part-time MBA, executive MBA, online MBA, specialty masters, PhD and executive education programs, as well as outreach services to the corporate community. The school offers its degree, custom and certification programs in learning locations in North America and Asia.


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Fuse Creativity System Project Guide: Fun Party Themes, Idea for Handmade Cards, And More Paper Crafts from Fiskars
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Love is in the Air Mixed Media Canvas
By: Christy Tomlinson
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This Love is in the Air mixed media canvas from Christy Tomlinson is sure to get your creative juices flowing! Watch this video to learn about mixed media art that you can make for your home.
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Apr 15, 2011
I just love this piece!! And the tutorial was excellent!!
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Peter Jackson 'eviscerated' 'The Hobbit,' 'LOTR,' says Tolkien son
Christopher Tolkien, son of J.R.R. Tolkien and executor of his father's literary estate, expressed disappointment in the films made of the books by Peter Jackson.
During his first interview in 40 years in June, with the French publication Le Monde, Tolkien, 87, said that Jackson "eviscerated the book by making it" into "an action movie for young people aged 15 to 25," he said of the "Lord of the Rings" films. "And it seems that 'The Hobbit' will be the same kind of film." »Read Full Blog Post(1)
UWM honors visual effects Oscar winner Jim Rygiel
Jim Rygiel's road to winning three Oscars started at the University of Wisconsin-Milwaukee, which the Kenosha native attended from 1973 to 1977.
In ceremonies Friday, Rygiel, who won a visual effects Oscar for each film in "The Lord of the Rings" trilogy, was given the UWM Chancellor Recognition Award for having "demonstrated excellence." Earlier in the day, Rygiel met with UWM film students. »Read Full Article
Florentine Opera begins new season with lush 'La Traviata'
Milwaukee's Florentine Opera Company raised the curtain on its 80th season Friday evening, ushering in the season with a grand production of Verdi's "La Traviata."
"Traviata" is the tragic tale of a dying courtesan willing to give up everything for love. She is convinced by her lover's father to end the romance, but he relents at seeing his son's pain over the loss. The lovers reunite shortly before her death. »Read Full Article
Soulstice goes time-traveling with 'Picasso at the Lapin Agile'
Paris, 1904. A 25-year-old German physicist walks into a bar, where he'll eventually be joined by a 23-year-old Spanish painter. Albert Einstein, meet Pablo Picasso, courtesy of Steve Martin's "Picasso at the Lapin Agile."
A huge hit at the Milwaukee Repertory Theater 14 years ago, "Picasso" is back, in a staging by Soulstice Theatre that opened Friday. »Read Full Article


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Product Details
The Silver American Eagle features one of the most classic designs on Silver coins, making it among the most popular Silver coins in the world. This is the last year that Silver Eagles were struck at the Philadelphia Mint!
Coin Highlights:
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U.S. Silver Eagle -- why buy Silver bullion from APMEX?Buying from APMEX is one of the world's favorite ways to invest in Silver and is a popular way to diversify wealth. To buy U.S. Silver for your investment portfolio, call our Account Managers toll free at (800) 375-9006 or click on the "Live Chat" button. APMEX is where to buy Precious Metals! Also, you can come to us when it is time to sell Gold, Silver, Platinum, and Palladium.
|Product ID:
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|Metal Content:
|1 troy oz
|US Mint
|2.98 mm
|40.6 mm
|Inner Pack:
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Date: 3 years ago
Runtime: 2:11
Views: 4,481
me, in all my low res glory
Categories: General Gay, Amateur
Top Comment
All Comments
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i wanna fuck you!
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Guys I need help for a website I'm currently doing. Its about used stationary bikes and I need information on those who have used both recumbent and upright stationary bikes (which is better in terms of burning calories). The site is at http://www.dogengine...onary-bikes.php any comments and suggestions would be great! Thanks!
Edited by c0ntrite, 19 August 2010 - 02:35 AM.


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Pandora's Box
10:04 am
Tue June 3, 2014
Pandora's Box - June 3rd, 2014
The links between good health and good food are widely accepted and understood, but what about using food as medicine to help patients who are facing cancer? In this episode of Pandora's Box, host Lyn Patrick talks with Dr. Nasha Winters, a naturopathic physician who is helping cancer patients to use their diet in tandem with medical treatment like chemotherapy to treat their disease.
Additional resources on this topic:
More TED Talks on cancer and possible cures can be found here: www.ted.com/playlists/63/a_cure_for_cancer
Presentations from the Namaste Health Center, including Valter Longo's research in cancer (part of Jess Kelley's talk) can be found here: www.namastehealthcenter.com/resources/presentations.html
Additional reading recommendations can be found here: www.intuitiveterrain.com/the-bookshelf-recommendations/
Pandora's Box
Shots - Health News
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Spray Paint Craft – Mini Burlap Banner
Love spray paint craft projects? This one is super easy for fall. I love this time of year. The air
Party Supplies, DIY Craft Ideas and Tutorials, Party Recipes
Love spray paint craft projects? This one is super easy for fall. I love this time of year. The air
Need darling Thanksgiving turkey cookies in 10 minutes or less? I've got you covered! These turkey cookies are the brainchild of
Hosting Thanksgiving this year? In need of some amazing Thanksgiving Kids Table ideas?! I'm giddy to share this amazing table
Let's plan a preppy Pilgrim Silhouette Inspired Thanksgiving table! A touch of tradition, mixed with the style of today. Hi there,
Who's hosting Thanksgiving dinner? I made these simple leaf applique napkins for our Thanksgiving table this year. My mom has
Who else needs ways to keep the kids entertained on Thanksgiving Day while you cook that turkey?! Hop over to
Who's ready for Thanksgiving kid crafts?! My kiddos love getting Kiwi Crate boxes in the mail! It's always exciting to
I love being outside in the fall. The air is crisp and fresh, and the colors are gorgeous. The perfect setting
Pumpkin, pumpkin and more pumpkin! Yesterday I shared a pumpkin doughnut recipe with cinnamon icing drizzle, and today I'm sharing
Planning a fall baby shower, or have a lil pumpkin about to have a birthday? My "Lil Pumpkin" party theme is perfect for both! It's


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With only one contested Camas school board race, both candidates agree that this election is not a matter of turning things around in the district: It's about making good programs even better for the district's 6,000 or so students.
"There is not a push to make changes in the Camas school board," incumbent Julie Rotz said.
"Thank goodness we don't have drama," said Erika Cox, challenger in the District 2 race. "I just want to play a part."
Rotz, who joined the board in 2009 as an unopposed candidate, says the quality of Camas schools is the reason her family is there.
Camas School Board
• Term: Four years.
• Number of school board members: Five.
• Number of contested board positions: One; one candidate is running uncontested.
• What school board members do: They set the policies and hire the superintendent, who reports directly to the board.
• Compensation: Board members may receive up to $50 per day for attending board meetings and for performing other services on behalf of the school district, not to exceed $4,800 per year.
"I moved to Camas from Vancouver because of the school district," Rotz said, based on data indicating that Camas "was the best place for us to be."
In listing their priorities, both candidates cited an early-learning effort — the Literacy Early Advocacy Program, or LEAP. Camas restored it in 2012 after it was the victim of a district budget cut several years ago. LEAP promotes literacy for qualifying kindergartners, identified through a screening process at the three elementary schools.
"We're looking at early literacy and expanding the LEAP program," Rotz said. "It's growing, and I'd like to be a part of that."
It's an aspect of education that she's familiar with, Rotz said, through her own children — a fourth-grader in Helen Baller Elementary and a 2-year-old.
Cox, the challenger, also had the LEAP program on her list of priorities. She cited her passion for early childhood education, noting the ripple effects it can have through the rest of a student's school career. Cox said that she would move to implement full-day kindergarten in Camas, with a corresponding push to get state funding for it.
Among her major endorsements, Rotz lists three current members of the Camas school board. Her campaign material lists several advances in technology the district has made in the four years Rotz has been on the board, including the purchase of 950 iPad minis for students in grades three through eight.
Cox lists eight years of school volunteer service at all levels of the district, including her current position as chairwoman of the citizens advisory committee.
"We often hear information before the school board does," Cox said.
Incumbent Casey O'Dell is running unopposed in District 1.
• Age: 36
• Occupation: Senior consultant, HotDocs Corp.
• Campaign funds raised: $200.
• Major endorsements: H-RoC (short for Hand that Rocks the Cradle Rules the World, an independent, nonpartisan PAC committed to the advancement of women's leadership); Camas school board members Doug Quinn, Casey O'Dell and Mary Tipton; former board member Mel Cardon.
• Website: http://rotzforcamasschoolboard.weebly.com/
• Age: 40.
• Occupation: Former Microsoft public relations strategist.
• Campaign funds raised: $700.
• Major endorsements: None.


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EASY Way to Organize DVDs
January 13, 2015 by Aimee • 7 Comments
I mentioned the other day that I have more organization systems to share with you! Today we're talking about Organizing DVDs — my new obsession! Did any of you toss the cases years ago and try sorting your DVDs into cases like the ones pictured …continue reading
Creating Shoe Storage
July 15, 2014 by Aimee • 5 Comments
I love my home, but one of the first things I noticed when we moved in was that it was really lacking storage. Slowly Stud and I have been working on that little issue. One little issue was Stud's shoes. He doesn't have a ton, …continue reading
Storing Mason Jars
May 22, 2014 by Aimee • 5 Comments
If you didn't see the house tour from last Friday, you don't want to miss this lovely Lake House — check it out!!! One of my favorite pieces in Melaine's home was this Wire 3-Tier Glass Drying Rack from World Market. The perfect solution for …continue reading
Organizing Playroom – Toys and Books
October 8, 2013 by Aimee • 5 Comments
We're working on finding a place for everything in our homes and today's topic is a hot button for most of us — Organizing Playroom, all those toys! I told you yesterday that I decided to go against the grain of my house layout and …continue reading


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Need to know: CV cliches Why you can`t find a jobHF interviews
Altamont Capital Partners has tapped a former chief executive of sunglasses maker Oakley Inc. to join its 526.8 million Australian dollar (US$555.8 million) bid with VF Corp. for Australian surfwear company Billabong International Ltd., a person familiar with the matter told Deal Journal Australia.
David Scott Olivet, a clothing industry veteran and former vice president at Nike Inc., will work with private equity firm Altamont as it seeks to acquire a range of brands from Billabong such as Tigerlily, Element and Von Zipper, the person said.
VF Corp., which owns brands such as Timberland and North Face, said in a statement late Monday it will take Billabong's namesake brand if its A$1.10-a-share offer with Altamont succeeds.
The intentions of Billabong International Ltd.'s latest suitors are becoming clearer.
U.S. clothing maker VF Corp. and its private equity partner Altamont Capital say they plan to break up the iconic Australian surf wear company if their 526.8 million Australian dollar (US$556 million) offer succeeds.
VF Corp. has set its sights on the Billabong brand as it chases a larger share of sales in the action sports wear category, where it already has a significant presence through brands such as The North Face and Timberland for outdoor hiking and Vans skate wear.
Altamont, however, is interested in Billabong's other brands, which include Von Zipper, Tigerlily and Element. A statement issued by the bidders late Monday says Altamont's interest reflects its "mandate to invest in situations where it can provide strategic and operational support to build business success stories."
Billabong International – already navigating rough seas – is unlikely to welcome the launch of the world's largest online retailer Amazon's Action Sports Store.
According to J.P.Morgan analyst Shaun Cousins, Amazon's extensive range and ability to leverage off existing freight programs like Amazon Prime and Super Saver Shipping could drive market share gains, a negative for Billabong's direct-to-consumer businesses like Surfstich and Swell.
Deal Journal Australia is an up-to-the-minute take on the deals and deal makers that shape the Australian landscape, including mergers and acquisitions, capital raisings, private equity and debt markets. In short, wherever money changes hands. Deal Journal Australia is updated throughout each trading day with exclusive commentary, analysis, data, news flashes and profiles. The Wall Street Journal's Gillian Tan is the lead writer, with contributions from other Journal and Dow Jones reporters and editors. Send news items, comments and questions to firstname.lastname@example.com.
Content engaging our readers now, with additional prominence accorded if the story is rapidly gaining attention. Our WSJ algorithm comprises 30% page views, 20% Facebook, 20% Twitter, 20% email shares and 10% comments.
FINS has become a part of DHI in order to improve your job search experience. eFinancialCareers will provide you with the best possible service, the best job opportunities and editorial content and the best talent. With our long track record of helping finance professionals develop their career, from graduating to landing top positions in the industry, we will continue to deliver.
For technology jobs outside the financial industry users can visit Dice.com


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Crispy Batter Fried Chicken
23 Sep 2010
|Broiler fryer chicken
|3 Pound, cut up
|For think fritter batter
|All purpose flour
|1⁄2 Cup (8 tbs)
|1 Teaspoon
|Celery salt
|1 Teaspoon
|1⁄2 Teaspoon
Wash chicken; place in kettle with enough water to cover.
Heat to boiling.
Reduce heat; cover and simmer 20 minutes.
Remove chicken from broth; drain and pat dry.
Heat fat or oil (3 to 4 inches) to 360° in deep fat fryer or kettle.
Prepare Thin Fritter Batter.
Mix flour, salt, celery salt and pepper; coat chicken pieces with flour mixture.
Dip coated chicken into batter; fry in deep fat 5 to 7 minutes or until rich golden brown and fork-tender.
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Crispy Batter Fried Chicken Recipe


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Impressive Holiday Potato Side Dish
Create a tasty and aromatic rosemary crust for this showstopping potato gratin in three simple steps.
This gratin is awesome with prime rib or beef tenderloin. See how we made this extraordinary crust; it's not as complicated as you might think.
Layer two refrigerated piecrusts with finely chopped rosemary, Gruyère, and a sprinkling of freshly ground pepper.
Fit the crust into a springform pan, gently pressing and shaping dough over bottom and up sides.Tuck edges under, and chill.
Gradually add cream mixture, drizzling over sliced potato filling. Top with cheese; cover with foil, and slide it into oven.


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Instagram: Madonna dares you to read!
I dare you to read a book this weekend! War and Peace? To Kill a Mocking Bird? Catcher in the Rye? The Heart is a Lonely Hunter? For Whom the Bell Tolls? As i lay Dying? Giovanni's Room? The Bell Jar? These books changed my life. #artforfreedom #rebelheart
Madonna via Twitter


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Soho Teen Releases THE UNFINISHED LIFE OF ADDISON STONE by Adele Griffin Today
Two-time National Book Award finalist Adele Griffin has never written anything like this. The Unfinished Life of Addison Stone tells the story of 17-year-old street artist Addison Stone, who burst onto the NYC scene only to die of apparent suicide at the height of her meteoric rise to fame. The novel attempts to discover the truth of Stone's mysterious death and the core of her work through first person interviews with her parents, friends, boyfriends, mentors, critics, and more-punctuated with 63 pieces offull color, original paintings and photographs.
To give life to what she calls a "docu-novel," Adele hired model Giza Lagarce tobecome Addison (that's her on the cover) and took hundreds of photos of Giza and an extended cast of characters, many of which are included in the book. Says Griffin: "I'd been working on a first draft of Addison, and I hadn't even thought about featuring a visual Addison; the original idea was to showcase the art. Suddenly there was Addison Stone in my kitchen... That's when I saw an entirely fresh component of the book, as an intimate biography."
To stand in for Addison's art, Griffin obtained the rights to pieces from no fewer than five different artists, all students and alumni from prestigious schools such as RISD and Pratt. Over the course of the book, this work displays the progression of Addison's short life from a frenetic, loose-cannon child to a brilliant celebrated artist whose last creation shocked the world.
About the Author
Adele Griffin is a two-time National Book Award finalist and the highly acclaimed author of numerous books for young adult and middle grade readers. Her works include Sons of Liberty and Where I Want to Be, and most recently, Loud Awake and Lost. Adele lives with her husband, Erich; their two young children; and their dog, Edith, in Brooklyn, New York.
About Author
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- James Franco to Star in New Fox Comedy, WHY HIM?
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- Grammy Winner Kelly Clarkson Exclusively Premieres New Music from New Album on MTV, VH1 & CMT First
- CONSTELLATIONS' Jake Gyllenhaal and Ruth Wilson Set for THEATER TALK This Weekend


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No MSG or chemical preservative used. Uses organic local products when possible. NOTE: maybe closed/shut down, please verify and let HappyCow know. Price: Moderate more-less
Vegan, Western, Chinese, Indonesian, Delivery
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Polarr opted not to build an app specifically for Apple's iOS software, instead going the less-traveled route of using more-universal Web technologies. That decision is now paying off with droves of downloads.
The famously youth-focused tech industry has written big checks recently to companies built around the problems of aging.
Key sections of online community Reddit, including one of the site's most popular drawcards, "Ask Me Anything", are being pulled from public view in protest of the alleged firing of one its key administrators.
Homebodies, rejoice! Venture capital wants to make sure you never have to get out of your pajamas.
Beginning Friday, crowdfunding sites like Kickstarter and Indiegogo can give the public the chance to be startup owners, not just donors.
Facebook CEO calls the donation an "investment" in 400 undocumented students in the San Francisco Bay Area.
In the last week, Silicon Valley's venture capitalists have bet on a future where dogs are gamers and on-demand is in.
Intel has a goal to drive growth and career development for women and minorities in order to achieve "full representation" at every level by 2020.
The second highest valued venture backed company in the world is looking to get even richer by expanding a round of funding from $1.8 billion to $2.8 billion.
It launches a $20 million fund for nonprofits whose emerging tech could help make people living with disabilities become more independent. The first bit goes toward low-cost prosthetics and auditory therapy.


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Street Style: Summer looks at Jones Beach
These beachgoers enjoyed a sunny day at Jones Beach while showing off their favorite summer accessories, from bright bikinis and board shorts to cool shades and hats. Did we catch you on camera? Share your summer style shots with us on Twitter and Instagram using hashtag #newsdaystyle.
Your pet photos: Adorable dogs, cats and more Hangin' in the Hamptons: July 2015 Fourth of July sales going on this weekend 16 great grilling recipes for July Fourth Summery cocktails for July Fourth 6 Fire Island getaways How to grill the perfect burger Peek into Long Island's most lavish homes 48 LI dogs you can adopt right now Travel gear and gadgets Good buys for foodies 15 amazing bacon recipes


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In the Band: i-Berrys bring Celtic Irish style to the Lake of the Ozarks
The Elders, Gaelic Storm, Enter The Haggis, John Mel... » Read more. X. Where to hear them. Upcoming shows. June 21 Shady Gators July 3 Captain Ron's July 25 Beavers at the Dam. What you'll hear. The Elders, Gaelic Storm, Enter The Haggis, John ...
and more »
Rochester Democrat and Chronicle
Barry's Old School will host Trevor Lewington this Sunday
Rochester Democrat and Chronicle
Barry's Old School Irish could be overrun with Haggis-heads this weekend. Trevor Lewington, outstanding singer/songwriter for the folk rock band Jubilee Riots (formerly Enter the Haggis) will appear at Barry's this Sunday evening May 17 from 6-9 pm.
Jubilee Riots (formerly Enter the Haggis) set to play shows in Northampton
Brian Buchanan may be tired of being asked why his band changed its name from Enter the Haggis to Jubilee Riots back in the fall. But he was sick of answering another previous one even more. "I'll tell you, if there was any question I was more sick of ...
Jubilee Riots, formerly known as Enter the Haggis, will headline four Iron ...
This year would have marked the sixth in a row that Celtic rock band Enter the Haggis headlined the Iron Horse for a series of shows to celebrate New Year's Eve. That name will not be on the marquee this year. Howver, fear not fans of ETH, the band ...
Exit The Haggis: Syracuse show marks the end of an era for Enter the Haggis
The Post-Standard - syracuse.com
"We're very proud of our history as Enter The Haggis, but the legacy of that name no longer fits our identity," the band said in a statement on their website. "While it does convey the Celtic side of what we do, it also paints a one-dimensional picture ...
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