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based on10 reviews
Please select an available date from the calendar to proceed with your booking.
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out of 10
The lodge was great value for money. Slightly date furnishing but very clean.
Confirmed guest, 2015-08-15
out of 10
We loved our lodge, it was very clean and comfortable, well equipt and made a lovely little home from home
Confirmed guest, 2015-04-04
Excellent place to stay recommend this to anyone
Confirmed guest, 2015-03-28
out of 10
I think the cabin needed alittle updating. The boiler kept on cutting out! but we managed to work out how to fix it and no problems after that.
Confirmed guest, 2015-02-21
Confirmed guest, 2015-10-17
Confirmed guest, 2015-07-11
Confirmed guest, 2015-06-20
Confirmed guest, 2015-04-06
Confirmed guest, 2015-03-07
based on
79 reviews
With a wide range of activities to choose from, Hoseasons are offering a great opportunity for you to get active, try out new sports and enjoy a healthier holiday.
All prices are subject to availability and may change. Final price will be verified at the point of booking
Discover essential information about
Delny Highland Lodges and
Delny, Nr Invergordon, as well as independent customer reviews and what's nearby.
Find the perfect accommodation at
Delny Highland Lodges - View accommodations at this site.
Location & surroundings
Helpfulness of staff
Wonderful place great staff
Confirmed guest, 2015-10-30
It was very good holidays,helpfull staff,nice location. Our 3 years old kids have been riding horses for the first time and they loved it. We would like to come again :)
Confirmed guest, 2015-10-22
Love going to delay always guaranteed beautiful surroundings and peace and quiet Lovely meals at the bar/restaurant and always large portions x
Confirmed guest, 2015-10-16
We had a wonderful break in beautiful and peaceful surroundings. The Lodges are very well maintained and the owners were extremely friendly and helpful. The kids also enjoyed the pony trekking very much. We definitely hope to return soon.
Confirmed guest, 2015-10-18
Can't fault this place, from the beautiful location to the friendly staff. The on-site restaurant is a bonus, and being surrounded by ponies was my daughter's dream - she didn't want to leave! Finding a posey of fresh flowers sitting on the table when we arrived was just one of the many little things that added up to make Delny Lodges a big hit for this family.
we really enjoyed our holiday but felt the bar could have been opened for lunches. The kids really had agreat time and staff were very helpful.
We stayed over the September weekend as doing the Loch Ness running festival again and as we booked it so late we had to book outwith Inverness. Even though it was a short drive from Inverness we found the place easily enough and once we arrived we were really surprised with the 'out of the way' location and loved every minute of it. It is really quite [apart from Kevin De Goose when we had to walk by with our dog] and a nice wee walk to the Loch is a must. The bar area is worth a visit as the staff are nice and friendly. Mobile signal isn't great, which is a godsend :-D but the wi-fi in the lodges is absolutely magic so you can keep upto date and the freeview TV reception in the lodge is also great.
Confirmed guest, 2015-09-28
out of 10
Lodges were very dated and uncomfortable. The park was nice and the staff very freindly. The bar/restaurant was also very dated but the food although limited was very good. I would not stay here again unless the lodges had a serious refurbishment.
Confirmed guest, 2015-09-25
Good comfortable accommodation in pleasant surroundings. Friendly owners. Good shopping within a few miles.
we love it there and will be going back some day.
Confirmed guest, 2015-09-19
we really enjoyed our stay nothing was too much trouble for the staff highly recommend
Confirmed guest, 2015-09-12
Lovely place looking forward to going back soon
Confirmed guest, 2015-09-05
out of 10
The lodge was well equipped with a fantastic shower but the décor was very dated didn't stop us enjoying our holiday especially the loch which was very peaceful. The staff were very helpful and an issue we had with our lodge on arrival was sorted within minutes.
Would recommend,
Confirmed guest, 2015-08-22
Would highly recommend! Especially if you want to get away from society and the rat race in general!
Loved it.
, (0 miles away)
This is the heart of the Highlands, a dramatic landscape of mountains, lochs and ancient forest glens, stretching from the wild, unspoilt shores of the West Coast to the Moray Firth in the east – yours to explore when you choose our holiday parks in Ross-shire and Cromarty.Warmed by the currents of the Gulf Stream, the sea lochs and sandy bays of the western coast boast some stunning beaches, especially around Gairloch. And lush sub-tropical plants thrive in this notably mild climate – the glorious Inverewe Gardens at the pretty little village of Poolewe are a 'must see' when you stay at one of our holiday parks in Ross-shire and Cromarty. The mountain scenery in Glen Torridon is awe-inspiring and a drive to the delightful village of Applecross over truly spectacular Bealach na Ba, the Pass of the Cattle, will reward you with unforgettable views to the Isle of Skye.And surely no caravan holidays in Ross-shire and Cromarty would be complete without a boat trip to spot the whales and dolphins that are such a glorious feature of the Moray Firth, and the Black Isle Wildlife and Country Park is just one of the region's great family attractions.
#[Container.ReevooRating]/10 #[Container.ReevooReveiwCount] reviews
9.3/10 10 reviews
One double and one twin. Central heating. Patio with garden furniture. Bath with overhead shower.
9.1/10 45 reviews
One double and one twin. Heating throughout. Timber deck with patio furniture. Shower.
7.6/10 19 reviews
One double and two twin. Central heating. Timber deck with patio furniture. Shower.
16.9 miles away
20.3 miles away
25.1 miles away
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Composer: Gackt C.
[1] The verb used for "awoken" has additional meanings of "sober up" and "be disillusioned."
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Amelia Chiarla, chef of Cardinal Mazzarino restaurant in Cherasco (Langhe, Cuneo) shows us how to prepare this simple and delicious recipe.
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Re: My iPad can't seem to find my Apple wireless keyboard. Resetting hasn't helped. It previously worked. My iTouch can find and use the same keyboard. New batteries --- they were changed several times to determine if that was the issue. in response to sally65
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NewsCorp may buy Simon & Schuster
View Single Post
November 23 2012, 06:30 AM
Daddy Todd
Re: NewsCorp may buy Simon & Schuster
BillJ wrote:
Daddy Todd wrote:
So, is it wrong of me to decide not to contribute even one penny of my hard-earned money to people who hate me? It's pretty much the only leverage we have against their kind of evil, so I'm going to leverage it for all its worth.
Except for when its something you really want to read or see. Seems a bit hypocritical.
Yep, it is. I don't pretend to be politically or morally perfect, but at least I can try.
Look, it's about choices. I have a limited number of dollars to spend, so I have to choose where to spend them. So, I make an attempt to reward corporations that I think are good citizens, and avoid rewarding corporations that are bad citizens. ExxonMobil is one example of a company I avoid patronizing; even while I recognize that some of the gasoline I buy from Citgo or Sinclair may have been refined at an EM refinery or moved on an EM tanker. So, I do what I can do and call it good -- I don't buy gas from EM-branded gas stations (even though I know that they're probably owned by some small company that licenses the name.)
It's an imperfect world, as
so aptly points out above, where big corporations are so intertwined and interrelated it's impossible to avoid doing business with any particular egregious corporate citizen.
But what alternative do I have? I simply can't force myself to walk into a Chik-Fil-A without losing all self-respect, so I go around the corner to KFC when I have a hankering for greasy chicken.
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Quotes & Info
|TRST > SEC Filings for TRST > Form 10-Q on 2-Nov-2012
|All Recent SEC Filings
Quarterly Report
Forward-looking Statements
Statements included in this report and in future filings by TrustCo Bank Corp NY ("TrustCo" or the "Company") with the Securities and Exchange Commission, in TrustCo's press releases, and in oral statements made with the approval of an authorized executive officer, which are not historical or current facts, are "forward-looking statements" made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, and are subject to certain risks and uncertainties that could cause actual results to differ materially from historical earnings and those presently anticipated or projected. Forward-looking statements can be identified by the use of such words as may, will, should, could, would, estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made.
In addition to the factors described under Item 1A, Risk Factors, the following important factors, among others, in some cases have affected and in the future could affect TrustCo's actual results, and could cause TrustCo's actual financial performance to differ materially from that expressed in any forward-looking statement:
• Credit risk,
• The effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System, inflation, interest rates, market and monetary fluctuations.
• Competition,
• The effect of changes in financial services laws and regulations (including laws concerning taxation, banking and securities).
• Real estate and collateral values,
• Changes in accounting policies and practices as may be adopted by the bank regulatory agencies, Financial Accounting Standards Board ("FASB") or the Public Company Accounting Oversight Board,
• Changes in local market areas and general business and economic trends, and
• The matters described under the heading "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2011 and in our subsequent securities filings.
The foregoing list should not be construed as exhaustive, and the Company disclaims any obligation to subsequently revise any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.
Following this discussion is the table "Distribution of Assets, Liabilities and Shareholders' Equity: Interest Rates and Interest Differential" which gives a detailed breakdown of TrustCo's average interest earning assets and interest bearing liabilities for the three months and nine months ended September 30, 2012 and 2011.
The review that follows focuses on the factors affecting the financial condition and results of operations of TrustCo during the three-month and nine-month periods ended September 30, 2012, with comparisons to the corresponding periods in 2011 as applicable. Net interest margin is presented on a fully taxable equivalent basis in this discussion. The consolidated interim financial statements and related notes, as well as the 2011 Annual Report to Shareholders should be read in conjunction with this review. Amounts in prior period consolidated interim financial statements are reclassified whenever necessary to conform to the current period's presentation.
Financial markets were generally strong during the third quarter of 2012. For the third quarter, the S&P 500 Index was up 5.8% and the Dow Jones Industrial Average was up 4.3%. Credit markets continued to show significant volatility during the quarter, although somewhat less than what occurred in the second quarter. The volatility, which was mostly in the longer term part of the yield curve, occurred during the course of the quarter; comparisons of period-end rates show much less movement. Shorter term rates ended the quarter at levels near where they started. The table below illustrates the range of these movements for both short term and longer term rates. The target Fed Funds range remained unchanged at zero to 0.25% during the third quarter. Spreads of certain asset classes, including agency securities and mortgage-backed securities, declined relative to the Treasury curve, at least partly due to the influence of buying by the Federal Reserve Bank.
3 Month 2 Year 5 Year 10 Year Yield (%) Yield (%) Yield (%) Yield (%) End of Q1 0.07 0.33 1.04 2.23 Peak 0.11 0.36 1.05 2.30 Trough 0.07 0.25 0.62 1.47 End of Q2 0.09 0.33 0.72 1.67 End of Q2 0.09 0.33 0.72 1.67 Peak 0.12 0.31 0.83 1.88 Trough 0.08 0.22 0.56 1.43 End of Q3 0.10 0.23 0.62 1.65
Underlying national economic conditions remain subdued, with persistent issues in regard to unemployment and continued high levels of financial leverage in some sectors. While there have been some encouraging economic reports, conditions are generally thought to have trended flat to down. Although there has been some improvement in recent months, the housing market remains troubled and issues regarding home foreclosures remain prominent topics of discussion in the media and within government. Federal, state and municipal budget deficits and debt levels have received significant political and media attention, and sovereign fiscal issues in a number of European nations, as well as slowing economies in both Europe and China have caused significant uncertainty in financial markets worldwide and created concern that this weakness will put new pressure on the United States.
The pace of bank failures has declined from 2011, with just 43 failures through the end of the third quarter. Most closures have been the result of capital and asset quality problems, rather than the liquidity issues that resulted in the failures and near-failures of some of the largest financial institutions in the world during the initial phase of the financial crisis. The 2008 through early 2010 period saw unprecedented intervention by governments in markets and the financial services industry as the United States saw the two largest bank failures in its history in 2008, as well as failures of other major financial institutions, forced mergers and massive government bailouts. The United States Government responded to these events with legislation, including the Emergency Economic Stabilization Act of 2008, which authorized the Troubled Asset Relief Program ("TARP"), and the American Recovery and Reinvestment Act of 2010 ("ARRA"), more commonly known as the economic stimulus or economic recovery package, which was intended to stimulate the economy and provide for extensive infrastructure, energy, health and education needs. In addition, the Federal Reserve Board ("FRB"), implemented a variety of major initiatives, including a sharp easing of monetary policy and direct intervention in a number of financial markets, and the Federal Deposit Insurance Corporation ("FDIC"), the Treasury Department and other bank regulatory agencies also instituted a wide variety of programs. The FRB has lowered its expectations for near term economic recovery in the United States and many economists have done the same. The overhang of significant loan and asset quality problems, as well as uncertainty regarding the eventual need for the FRB to move away from its easy money policy and the need for the FRB and other elements of the government to withdraw various supporting mechanisms remain concerns for both the economy and financial markets. It is not clear how aggressive the government will be in unwinding some of the programs that are now in place, if any of those programs are to be unwound at all. Given current conditions, it does not seem likely that there will be any attempt to unwind these in the near term. More recently, the FRB has attempted to influence the shape of the yield curve by selling shorter term bonds and buying longer term bonds, with a goal of reducing longer term interest rates, and has indicated that additional actions may be necessary.
The federal government, primarily through the Treasury Department and the federal banking agencies, is also implementing the financial reform bill, the "Dodd-Frank Wall Street Reform and Consumer Protection Act" (the "Dodd-Frank Act."), which has had and will likely continue to have a significant impact on the financial services industry. Regulatory changes that have been implemented to date have reduced interchange revenue level that banks previously earned. In June 2012, the Board of Governors of the FRB approved notices of proposed rulemaking ("NPRs") to, among other things, implement the Basel III minimum capital requirements and capital conservation buffer. Final rules are expected to be published jointly by the Federal Reserve, the FDIC and the Office of the Comptroller of the Currency after each agency has completed its approval process. If approved in their current form, the NPRs would be effective over a phased-in period from 2013 to 2019. We are in the process of evaluating the impact of the proposed rules on the Company and the Bank.
TrustCo believes that its long-term focus on traditional banking services has enabled the Company to avoid significant impact from asset quality problems and that the Company's strong liquidity and solid capital positions have allowed the Company to continue to conduct business in a manner consistent with its past practice. TrustCo has not engaged in the types of high risk loans and investments that have led to the widely reported problems in the industry. Nevertheless, the Company has experienced an increase in nonperforming loans, although management believes the level remains manageable. While the Company does not expect to see a significant change in the inherent risk of loss in its loan portfolios at September 30, 2012, should general housing prices and other economic measures, such as unemployment, in the Company's market areas deteriorate, the Company may experience an increase in the level of credit risk and in the amount of its classified and nonperforming loans.
In addition, the natural flight to quality that occurs in financial crises as investors focus on the safest possible investments, cuts in targeted interest rates and liquidity injections by the Federal government have all served to reduce yields available on both short term liquidity (Fed Funds and other short term investments) as well as the low risk types of securities typically invested in by the Company. During the quarter, the slope of the yield curve remained positive; however the slope continued to decline, on average, compared to the second quarter. The slope of the curve, as measured by the difference between the 10 year Treasury and the 2 year Treasury, averaged 1.38% in the third quarter of 2012, compared to 1.54% during the second quarter and 1.75% in the first quarter. The slope did improve slightly late in the third quarter. The slope of the yield curve is generally better for mortgage lenders profitability when it is steeper. The future course of interest rates is subject to significant uncertainty, as various indicators are providing contradicting signals. For example, future changes in the FRB's quantitative easing and related programs or gains in the level of economic activity could potentially lead to potentially higher rates. Potentially offsetting these issues is that Treasuries continue to be viewed as a safe haven by many investors around the world, with their demand serving to dampen or completely outweigh any upward pressure on yields. Finally, the Dodd-Frank Act creates additional uncertainty for the Company and the Bank. This law significantly changes the current bank regulatory structure and affects the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies.
The level of home foreclosures nationally remains an area of significant political and media interest. Problems such as instances of foreclosures where the paperwork or process may not have met legal requirements have created significant legal and public relations problems for banks and other mortgage lenders. Much of this has been related to mortgages that were sold one or more times, and in many cases were eventually securitized. The changes of ownership and the securitization process may have contributed to the reported errors. Also recently, efforts by mortgage servicers and secondary market purchasers of mortgage loans to require mortgage originators to repurchase troubled loans have also increased. TrustCo's mortgage loan portfolio consists of loans it and its employees have originated and serviced. Files with the relevant documents are retained and monitored by staff members on Bank premises. As a result, management believes the Company is unlikely to be significantly affected by errors in foreclosing on its mortgage loans. In addition, because TrustCo generally originates loans to be held in its portfolio, the exposure that can come with being forced to buy back nonperforming loans that have been sold is limited.
TrustCo recorded net income of $9.8 million, or $0.104 of diluted earnings per share for the three months ended September 30, 2012, as compared to net income of $9.2 million or $0.100 of diluted earnings per share in the same period in 2011.
For the first nine-months of 2012, TrustCo recorded net income of $27.7 million, or $0.296 of diluted earnings per share, as compared to net income of $24.4 million or $0.296 of diluted earnings per share in the same period in 2011.
For both the three and nine-month periods, earnings per share comparisons to prior periods are impacted by the additional shares issued in July of 2011, although the impact on the three-month period is nominal.
The primary factors accounting for the change in net income for three and nine-month periods ended September 30, 2012 as compared to the prior year were:
· An increase in the average balance of interest earning assets of $206.3 million to $4.28 billion for the third quarter of 2012 compared to the same period in 2011, and an increase of $292.4 million to $4.25 billion for the first nine months of 2012 as compared to the prior year.
· An increase in the average balance of interest bearing liabilities of $157.9 million to $3.71 billion for the third quarter of 2012 as compared to 2011, and an increase of $200.64 million to $3.70 billion in the first nine months of 2012 compared to the prior year.
· A decrease in taxable equivalent net interest margin for the third quarter of 2012 to 3.21% from 3.38% in the prior year. The decline in the margin was partly offset by the beneficial impact of the increase in average earning assets, resulting in a decrease of $69 thousand in taxable equivalent net interest income in the third quarter of 2012 compared to the third quarter of 2011. For the first nine months of 2012, the margin declined 22 basis points to 3.20%.
· A decrease in the provision for loan losses to $2.9 million in the third quarter of 2012 from $5.1 million in the third quarter of 2011. For the first nine months of 2012, the provision was $5.6 million less than for the first nine months of 2011.
· An increase of $508 thousand in net gains on securities transactions and $421 thousand in customer service fees for the third quarter of 2012 as compared to same period in 2011.
· An increase of $1.6 million in noninterest expense for the third quarter of 2012 as compared to 2011.
Asset/Liability Management
The Company strives to generate its earnings capabilities through a mix of core deposits funding a prudent mix of earning assets. Additionally, TrustCo attempts to maintain adequate liquidity and reduce the sensitivity of net interest income to changes in interest rates to an acceptable level while enhancing profitability both on a short-term and long-term basis.
TrustCo's results are affected by a variety of factors including competitive and economic conditions in the specific markets in which the Company operates and more generally in the national economy, financial market conditions and the regulatory environment. Each of these is dynamic and changes in any area can have an impact on TrustCo's results. Included in the Annual Report to Shareholders for the year ended December 31, 2011 is a description of the effect interest rates had on the results for the year 2011 compared to 2010. Many of the same market factors discussed in the 2011 Annual Report continued to have a significant impact on the third quarter and year-to-date results for 2012.
TrustCo competes with other financial service providers based upon many factors including quality of service, convenience of operations, and rates paid on deposits and charged on loans. In the experience of management, the absolute level of interest rates, changes in interest rates and customers' expectations with respect to the direction of interest rates have a significant impact on the volume of loan and deposit originations in any particular period.
Interest rates have a significant impact on the operations and financial results of all financial services companies. One of the most important interest rates used to implement national economic policy is the "Federal Funds" rate. This is the interest rate utilized within the banking system for overnight borrowings for institutions with the highest credit rating. The Federal Funds target rate decreased from 4.25% at the beginning of 2008 to a target range of 0.00% to 0.25% by the end of 2008. The target range has not been changed since. The FRB has also stated that it intends to hold rates at low levels in order to support growth. As noted in minutes of the FRB Board of Governors released on October 24, 2012, the FRB continues to see the need for monetary actions to keep rates low and "currently anticipates that exceptionally low levels for the federal funds rate are likely to be warranted at least through mid-2015."
Traditionally interest rates on bank deposit accounts are heavily influenced by the Federal Funds rate. Deposit rates continued to decline in the third quarter of 2012 relative to prior periods, but at a slower pace as rates reach extremely low levels. Please refer to the statistical disclosures in the table below entitled "Distribution of Assets, Liabilities and Shareholders' Equity: Interest Rates and Interest Differential."
The interest rate on the 10 year Treasury bond and other long-term interest rates has a significant influence on the rates for new residential real estate loans. The Federal Reserve Board has attempted to influence rates on mortgage loans by means other than targeting a lower Federal Funds rate, including direct intervention in the mortgage-backed securities market through purchasing these securities in an attempt to raise prices and reduce yields. Eventually, management believes, the FRB will have to unwind these positions by selling mortgage-backed securities, which would likely have the opposite effect, putting upward pressure on rates, although other factors may mitigate this pressure. These changes in interest rates have an effect on the Company relative to the interest income on loans, securities and Federal Funds sold and other short term instruments, as well as on interest expense on deposits and borrowings.
The principal loan product for TrustCo is residential real estate loans. As noted above, residential real estate loans and longer-term investments are most affected by the changes in longer term market interest rates such as the 10 year Treasury. Also, as noted previously, the 10 year Treasury yield, while fluctuating during the quarter, is at a very low level relative to historical yields.
Interest rates on new residential real estate loan originations are also influenced by the rates established by secondary market participants such as Freddie Mac and Fannie Mae. Because TrustCo is a portfolio lender and does not generally sell loans into the secondary market, the Company establishes rates that management determines are appropriate in light of the long-term nature of residential real estate loans while remaining competitive with the secondary market rates. Financial market volatility and the problems faced by the financial services industry have lessened the influence of the secondary market; however, various programs initiated by arms of the Federal government have had an impact on rate levels for certain products. Most importantly, a government goal of keeping mortgage rates low has been supported by targeted buying of certain securities, thus supporting prices and constraining yields, as noted above.
The Federal Funds sold portfolio and other short term investments are affected primarily by changes in the Federal Funds target rate. Also, changes in interest rates have an effect on the recorded balance of the securities available for sale portfolio, which is recorded at fair value. Generally, as interest rates increase the fair value of these securities will decrease.
Interest rates generally remained below historic norms on both short term and longer term investments. As noted, deposit costs have generally continued to decline over the third quarter of 2012, although the rate of decline has slowed.
While TrustCo has been affected somewhat by aspects of the overall changes in financial markets, it has not been affected to the degree the mortgage crisis affected some banks and financial institutions in the United States. Generally, the crisis revolved around actual and future levels of delinquencies and defaults on mortgage loans, in many cases arising, in management's view, from lenders with overly liberal underwriting standards, changes in the types of mortgage loans offered, significant upward resets on adjustable rate loans and fraud, among other factors. The Company utilizes a traditional underwriting process in evaluating loan applications, and since originated loans are retained in portfolio there is a strong incentive to be conservative in making credit decisions. For additional information concerning TrustCo's loan portfolio and non-performing loans, please refer to the discussions under "Loans" and "Nonperforming Assets," respectively. Further, the Company does not rely on borrowed funds to support its assets and maintains a very significant level of liquidity on the asset side of the balance sheet. These characteristics provide the Company with increased flexibility and stability during periods of market disruption.
A fundamental component of TrustCo's strategy has been to grow customer relationships and the deposits and loans that are part of those relationships. The Company has significant capacity to grow its balance sheet given its existing infrastructure. The Company expects that growth to be profitable. The current interest rate environment has narrowed the margin on incremental balance sheet expansion. While the Company has not changed its fundamental long term strategy in regard to utilizing its excess capacity, management continually evaluates changing conditions and may seek to limit growth or reduce the size of the balance sheet if its analysis indicates that doing so would be beneficial in the short term. In line with this view, balance sheet expansion did slow in the third quarter as compared to recent quarters.
For the third quarter of 2012, the net interest margin was 3.21%, down 17 basis points versus the prior year quarter. The quarterly results reflect the following significant factors:
• The average balance of federal funds sold and other short-term investments decreased by $69.8 million while the average yield was down 1 basis point to 25 basis points. The decrease in the average balance reflects the investment of cash into available-for-sale securities and the continued generation of loans.
• The average balance of securities available for sale and held-to-maturity securities increased by $138.6 million and the average yield decreased to 2.03% for the third quarter of 2012 compared to 2.77% for the same period in 2011. Within the total securities portfolio, the available-for-sale portfolio increased by $165.1 million, while the held-to-maturity portfolio decreased by $26.5 million.
• The average loan portfolio grew by $134.7 million to $2.59 billion and the average yield decreased 36 basis points to 4.96% in the third quarter of 2012 compared to the same period in 2011. The decline in the average yield primarily reflects the decline in market interest rates on new loan originations as older, higher rate loans pay down.
• The average balance of interest bearing liabilities (primarily deposit accounts) increased $157.9 million and the average rate paid decreased 23 basis points to 0.49% in the third quarter of 2012 compared to the same period in 2011. The decline in the rates paid on interest bearing liabilities reflects the decline in market interest rates and changes in competitive conditions.
During the third quarter of 2012, the Company continued to focus on its strategy to expand the loan portfolio by offering competitive interest rates as the rate environment changed. Management believes the TrustCo residential real estate loan product is very competitive compared to local and national competitors. As noted, the widespread disruptions in the mortgage market as a result of the financial crisis have not had a significant impact on TrustCo, partly because the Company has not originated the types of loans that have been responsible for many of the problems causing the disruptions as well as the fact that housing prices in the Company's primary market of the Capital Region of New York have not experienced the declines realized in other areas of the country. The withdrawal from the market of some of the troubled lenders that did focus on subprime and similar loans slightly improved competitive conditions for the type of residential mortgage loans focused on by TrustCo; however, competition remains strong.
The strategy on the funding side of the balance sheet continues to be to attract deposit customers to the Company based upon a combination of service, convenience and interest rate. The Company has periodically offered attractive long-term deposit rates as part of a strategy to lengthen deposit lives. However, the decline in deposit costs, which initially lagged the decline in the Federal Funds target rate, has continued since the Federal Funds target was stabilized in late 2008.
Earning Assets
Total average interest earning assets increased from $4.07 billion in the third quarter of 2011 to $4.28 billion in the same period of 2012 with an average yield of 4.01% in 2011 and 3.64% in 2012. Interest income on average earning assets declined from $40.9 million in the third quarter of 2011 to $38.9 million . . .


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Ancient Ritual Wand With Human Faces
- Uploaded by UFOlogic on Mar 12, 2014
- Views: 131
A 9000 year old ritual wand has been found in Syria. This wand which has carvings of humans is lighting up the curiosity of archeological world. Nothing like it has ever been found. You can find the original article and photo here Happy UFO hunting! Be sure to check out the UFO sightings blog like the facebook fan page at Clouds Story by UFO CloudsBe sure to follow UFO Clouds on Twitter at Look Up UFO's Could be flying above you!


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It's simple, and free.
The philosopher almost invariably seeks to test a hypothesis and somehow prove that a relationship between well-identified variables exists. Not all hypothesis testing in philosophy or in the hard sciences and social sciences results in proving that a hypothesis is correct. It is often true that the results of hypothesis testing reveal that the hypothesis itself is invalid. In the case of faith, Roman Catholic theologians often acknowledge that what men must do to acquire faith is to figuratively leap across a great abyss - an abyss in which all of the rational reasons for rejecting the existence of God or belief in God's love for man can be found. In other words, by making this leap of faith one suspends hypothesis testing per se and allows realization to take control of one's belief and value system.
The second question at issue herein is whether or not the realization model applies to religion. People realize new things almost every day. It seems ridiculous to assume that faith cannot be realized in much the same way that one realizes, for example, that one simply does not like cats or a certain flavor of ice cream or a certain kind of music. Price (12) says that "there is something in us (perhaps in everyone) which makes us wish to love God. But perhaps there is also something in us which makes us wish not to love him, nor to have anything to do with him, and even to wish that he did not exist." In other words, we may seek to realize that God is or is not an extant being possessed or not possessed of certain characteristics among which loving human beings is often dominant.
The realization model indicates that one can suddenly or perhaps gradually come to experience a certain type of knowledge or to acquire a certain kind of understanding. One might realize that being involved in religious rituals (e.g., attending a church service, partaking of the Eucharist, meditating or praying) engender within one a sense o...


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I've read that some women's bodies "regulate" themselves back to normal levels after giving birth, and they no longer have the symptoms of PCOS. Has anyone experienced this?
I've read that some women's bodies "regulate" themselves back to normal levels after giving birth, and they no longer have the symptoms of PCOS. Has anyone experienced this?
I didn't have PCOS until after I gave birth so I have no idea.
I've had a harder time controlling my PCOS since my son was born. Now, I have also been heavier than ever before since then...so I'm sure the 2 things are related. So...it wasn't true for me. I'd like to think it was true to someone!!!
wife to a great guy, mommy to THREE cutie pies!
I have no clue. (jumping in, because I had no clue there was a board for this!) My PCOS was unregulated before I gave birth, and I've been on the pill since my 6 week appt. I did lose a bit of weight after his birth and I've kept it off for 10 months, which is progress for me. I test my sugars once a month or so, and they are higher than normal, but not diabetic high. I kind of want to find out if I would self-regulate, but don't want to take the chance of getting pregnant again.
Since I needed to change my signature, come check out the PTA Group!
I am still trying to figure it out. I gave birth June 28 and have had two cycles 35 days apart. No cysts that have caused problems but hair growth, weight gain, and weird emotions have been a problem. I think I will be going on Metformin soon so that will hopefully help.
Joanna, wife to Patrick
Nope after my daughter was born it kinda got worse for me, I did lose weight after I had her, but I think that is normal right? But in a year after she was born I went from 208 to 250!! And then I started to work out and managed to drop down to 220, then I got slack again, but I am still at 220 . It seems no matter how hard I work out I just can't lose the weight since I was told I PCOS.
and the hair growth...............well I don't even want to talk about that! lol
Mommy to Brandon ('93) Lanie ('05) & one on the way EDD Jan. 8th 2010
My PCOS definitely improved after having my ds. I had af maybe once a year previously to his birth.. After him, my cycles became much more regular (well more regular for me) and came every 60-90 days.. I have also had streches of months where af comes every 35 days.. Its totally different from how it was before ds. It has gotten more difficult for me to lose weight but that could also be because I've gotten older and my metabolism has started a noticible slowdown..
R & B established 1998
my first appointment (since the baby) with the dr that diagnosed me will be on monday and i will definitely be back to report to yall...
haters dont lie, they testify.
my main symptom is hair growth & that hasn't improved AT ALL
Changing the world one gastroschisis family at a time: www.averysangels.org
My pcos didn't improve after my boys were born. As a matter of fact, I think it has gotten worse.
This is really helpful - thanks for the input! MY PCOS seems to be pretty well controlled with Metformin when I'm not pregnant, so at least I've found something that seems to work well with my body. So it looks like I won't be holding my breath for things to normailze after I have this little girl. And I will definitely make sure I am on top of losing my baby weight since that seems to be where the most people had trouble. It's really nice to have some idea of what I should expect from people who have been there!


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Save the date! On 6 February 2016, we will celebrate the Chinese New Year as well as our school's 43rd anniversary - please plan to join us!
Interested in learning Tai Chi?
Don't wait any longer - come try a class! You can start any time - just come to any Eternal Spring or Tai Chi class on the Class Schedule. Arrive 10 minutes prior to the start of class. Jump into Fall with a discounted 30 day pass! See our Workshop Signup for more information.
Looking for Tai Chi books? We are now offering bundled books and videos for a discount! Check out our store.
Special Classes 2016
- Meditation I, Wednesdays at 5:30, 10 weeks (February 3).
- Tai Chi Form Improvement: Fast Form, 12 weeks (January 14).
Workshop Signup
Next Workshops:
(All Workshops meet Sundays 2:30 - 5:00pm - the regularly scheduled Eternal Spring Class will not meet).
- Eternal Spring Improvement and Supplementals, December 6, 2015.
- The next Nei Kung Workshop will be 31 January, 2016.
Workshop Signup
Upcoming Holidays
Save the date! Join us on Saturday February 6, 2016, for a Chinese New Year Banquet and celebrate 43 years of CK Chu Tai Chi!
CK Chu Tai Chi will be closed for the following dates:
Thanksgiving November 26 - 29
Christmas December 24 - 27
New Years December 31 - January 3
We are now streaming on Vimeo. Check out our portfolio here. If you want to take our online courses, you first need to sign up for a basic (free) membership with Vimeo. Then, pay a small fee through PayPal. It's easy - try it!
CK Chu Tai Chi is located at 156 W. 44th Street - just off Times Square between Broadway and 6th Ave. - in New York City. The school was founded in 1973 by Grandmaster C.K. Chu. Currently, CK Chu Tai Chi is under the direction of Master Hyland Harris.
Health and self-defense classes are held seven days a week for all ages and abilities. Ongoing classes include Tai Chi, Nei Kung, Eternal Spring Chi Kung, and Meditation.
New students can browse the frequently asked questions, curriculum description pages, and view the schedule or call 212-221-6110 with any questions. Inquire also about the Training Program for Tournament Fighting, teacher certification, and specialized programs for elder health. For information about our Free Eternal Spring Tai Chi Classes in Bryant Park, consult the web pages of the Tai Chi Chuan Center.
Affiliated School: Riccardo Consani teaches Master Chu's tai chi in Italy, see Taichi Centro Studio.


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FREEDOM OF INFORMATION ISSUE: James Madison Freedom of Information Award winners fight the power
In 2008, he authored and passed SB 1696, which blocked the university from hiding audit information behind a private contractor. UCSF was refusing to release the information in an audit the school paid a private contractor to conduct. "I read about this in the newspaper and I was just scratching my head. How can public officials do this stuff?" Yee said. He had to overcome resistance from university officials and public agencies arguing that the state shouldn't be sticking its nose into their business. "But it's public money, and they're public entities, and the people have a right to know where that money is going."
Computer Assisted Reporting
Thomas Peele and Daniel Willis
This duo with the Bay Area News Group, which includes 15 daily and 14 community newspapers around the Bay Area, performed monumental multitasking when they decided to crunch the salaries of more than 194,000 public employees from 97 government agencies into a database. Honored with the Computer Assisted Reporting Award, the duo provided the public with a database that translated a gargantuan amount of records into understandable information. They had to submit dozens of California Public Records Act requests to access the records of salaries that account for more than $1.8 billion in taxpayer money. "It is important that the public know how its money is spent. This data base, built rather painstakingly one public records act request at a time by Danny Willis and myself as a public service, goes a long way in helping people follow the money," Peele said.
Californians Aware: The Center for Public Forum Rights
California's sunshine laws, including the Brown Act open meeting law and California Public Records Act, aren't bad. Unfortunately, they are routinely flouted by public officials, often making it necessary to go to court to enforce them. That's why we need groups like CalAware, and individuals like its president, Rick McKee, and its counsel, longtime media attorney Terry Francke. Last year, while defending an Orange County school board member's free speech rights and trying to restore a censored public meeting transcript, CalAware not only found itself losing the case on an anti-SLAPP (strategic lawsuit against public participation) motion, but being ordered to pay more than $80,000 in school district legal fees. "It's never been easy, but that was going to be the end of private enforcement of the Brown Act," Francke said. Luckily, Sen. Leland Yee intervened with legislation that prevents awarding attorney fees in such sunshine cases, leaving CalAware bruised but unbowed. "We've become active in court like never before."
News Media
SF Public Press/McSweeney's
Last year, when author Dave Eggers and his McSweeney's magazine staff decided to put out a single newspaper issue (because "it's a form we love," Eggers told us), they filled San Francisco Panorama with the unusual mix of writers, topics, and graphics one might expect from a literary enterprise. But they wanted a hard-hitting investigation on the cover, so they turned to the nonprofit SF Public Press and reporters Robert Porterfield and Patricia Decker. Together, they worked full-time for four months to gather information on cost overruns on the Bay Bridge rebuild, fighting for public records and information from obscure agencies and an intransigent CalTrans. "We're still dealing with this. I've been trying to secure documents for a follow-up and I keep getting the runaround," said Decker, a new journalist with a master's degree in engineering, a nice complement to Porterfield, an award-winning old pro. "He's a great mentor, just such a fount of knowledge."
Professional Journalist
Sean Webby


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CARTES in Asia 2013 Exhibitor Profiles CARTES in Asia 2013 Business Wire HONG KONG -- March 21, 2013 CARTES in Asia 2013 takes place March 27 through March 28, 2013 at the AsiaWorld-Expo in Hong Kong. Links to important information: CARTES in Asia Exhibitor News: http://www.tradeshownews.com/events/CARTES-in-Asia-2013/ Follow CARTES Events on twitter: https://twitter.com/#!/_cartes Listed below are CARTES in Asia 2013 exhibitor profiles. Company: Atlantic Zeiser GmbH Booth: 3F024 Web: www.atlanticzeiser.com Atlantic Zeiser is a world-leader in governmental and industrial high-security personalization, coding and mailing technologies, offering integrated system solutions for the processing of ID-cards, passports, drivers licenses, health, voters and commercial cards. Customers can choose from versatile modular components and scalable high security software-platforms for contact and contactless chip programming, photo and full face edge-to-edge color inkjet printing, UV inkjet printing, cold security lamination CoolShield, laser marking and laser perforation for document numbering. The Atlantic Zeiser management software platform provides an environment to control, monitor and audit all processes which are necessary from enrolment of the citizens to ID document issuance. Company: Barnes International Ltd Booth: 3E 010 Web: www.barnestest.com Barnes Test Tools the smart way to reduce card issuance cost and maintain production QC. Barnes enables Issuers to produce valid EMV chip cards, ensuring rapid approval by Payment Schemes, minimising pre-issue costs and lead times. The CPT3000v3 enables QC testing during production and development. Contact, Contactless, Dual Interface card and mobile Personalisation Validation Tools for MasterCard CPV, Visa GPR certification testing and PBOC/ CUP card validation incorporating features developed in consultation with Payment Schemes, Issuers, Manufacturers, Bureaux and Test Labs worldwide. Mag-Tester and Revo for Magnetic-Stripe QA Testing to ISO & CQM standards. GlobalPlatform qualified tools for certification self-testing. Company: COMPRION Booth: 3E 014 Web: www.comprion.com COMPRION develops solutions for testing terminals, Smart Card interfaces and Smart Cards for contact-based and contactless communication. As the mobile and payment sectors are converging, it becomes crucial to test a variety of different technologies and communication parts involved – be it NFC, OTA, GlobalPlatform or the network access standard. COMPRION's test solutions help terminal and card manufacturers, chipset vendors, network operators and test labs to find the weak link in the communication chain. Moreover, COMPRION offers support for analysing and solving customer specific problems. Complex topics. Many challenges. One test solution provider. Company: CreditCall Booth: 3E 012 Web: www.level2kernel.com CreditCall is a specialist payment services provider and payment gateway with a global footprint. Building on over 10 years EMV migration experience, the company has supplied retail, mPOS, parking, vending, transportation and ticketing environments with its EMV Level 1 and EMV Level 2 Kernel technology. Our innovative EMV suite is used globally in contact and contactless environments, with over 150 EMVCo first time pass certifications. We are known for our thought leadership in EMV Kernel technology, innovating EMV in the Cloud. CreditCall was founded in 1997 and has offices in Bristol and New York with expansion plans into the APAC region. Company: Foster & Freeman Limited Booth: 3D 040 Web: www.fosterfreeman.com Established in 1978, Foster + Freeman is one of the foremost document examination and forensic science equipment suppliers in the world, exporting market leading, and in many cases unique products to more than 140 countries. Foster + Freeman document examination systems use the latest video spectral comparison technology and are used by airports, immigration authorities, border controls, customs and excise, and other large organisations worldwide. Our forensic science range of products is designed to assist in finding evidence at scenes of crime and in performing details investigations in the laboratory. Company: Futurex Booth: 3G025 Web: http://www.futurex.com For over 30 years, Futurex has been a globally recognized name in providing secure, scalable, and versatile data encryption solutions. More than 15,000 customers worldwide have trusted Futurex's Enterprise Security Platform to provide innovative, first-to-market solutions for the secure encryption, storage, and transmission of sensitive data. Futurex maintains an unyielding commitment to offering advanced, standards-compliant hardware security modules, key management servers, and general-purpose data encryption technology alongside world class customer service. Company: HID Global Booth: 3C017 Web: hidglobal.com HID Global is the trusted leader in products, services, solutions related to the creation, use, and management of secure identities for millions of customers around the world. Recognized for robust quality, innovative designs and industry leadership, HID is the supplier of choice for OEMs, system integrators and application developers serving a variety of markets, including physical access control; logical access control including strong authentication and credential management; card personalization; visitor management; government ID; and identification technologies for animal ID, industry and logistics applications. At CARTES Asia 2013, HID Global will showcase its comprehensive range of world-class solutions, including NFC-enabled mobile access solutions, networked access solutions, EasyLobby visitor management solutions and advanced FARGO HDP8500LE industrial card printer. Company: ITW Card Technologies Group Booth: 3F009 Web: www.itwcardtechnologies.com ITW Card Technologies offers a full range of products for card production, security and personalization for: credit cards, debit cards, ATM cards, gift cards, secure cards, loyalty cards, identification cards, and many more. Products include: HoloLam Plus® (a full face holographic laminate), magnetic stripe, scratch-off foils, signature panel, cleaning tape, card mailer adhesive labels, dye sublimation ribbons, indent foils, thermal transfer ribbons (TTR), tipping foils, holograms, laminates and overlays. Company: KEOLABS Booth: 3F 018 Web: www.keolabs.com KEOLABS is a worldwide supplier of solutions and services to validate smart cards, secure components, related systems and applications. Created by the fusion of Raisonance and Soliatis, KEOLABS unites their smart card expertise in an end-to-end offer that accompanies customers through the design cycle from prototype to certified product. KEOLABS' offer includes: • Testing platforms for contact & contactless signal emulation & protocol analysis • Validation solutions for functional & application standards for identity, transportation, payment, mobile telephony • Accredited certification laboratory offering debugging and conformance testing of smart cards, readers & systems according to a range of functional (ISO10373-6, NFC Forum, ISO7816, etc.) and application-specific (ICAO/EAC, CIPURSE, ISO18013, PayPass) standards. Company: LOGOMOTION Booth: 3C 018 Web: www.logomotion.eu Logomotion provides fast, simple and secure contactless payments for the mass market through existing handsets, with the simple insertion of a secure NFC microSD memory card. LGM Card even works in phones with metal covers or the memory card under the battery. CARTES participants will see payments on normal contactless POS and Logomotion's innovative mPOS solution for micro payments, using an NFC enabled phone as the acceptance device. Logomotion provides a bank-centric mobile payment solution with immediate acceptance on existing POSs and NFC enabled phones as mPOS acceptance devices, preserves banks' current payment processes and generates huge new bank revenues. Company: Nagra ID Security Booth: 3E 036 Web: www.nidsecurity.com Nagra ID Security SA, a subsidiary of the Kudelski Group produces multi-component and other complex cards for the security and identification industry. NagraID Security's Research and Development team are international experts with broad experience in security, cryptography, electronics, material sciences and manufacturing. We provide leading-edge design, development, and industrialization capabilities for innovative authentication solutions. NagraID Security holds international patents for a non-violent lamination process used for embedding sensitive, electronic components into card, and other, form-factor products. NagraID Security operates under the strict security guidelines of NagraID SA, an EMV-certified card manufacturing and personalization facility. Company: Otto Künnecke GmbH Booth: 3F001 Web: www.kuennecke.com Otto Künnecke delivers intelligent machine solutions for secure personalization, verification, grouping, packaging and mailing of high secure ID documents like passports, ID- and bank cards, PINs, etc. More than 30 ID projects worldwide were successfully installed for banks, governmental institutions and service bureaus. Furthermore, Otto Künnecke has long-year experience in developing and construction of mailing systems as well as special machinery for the card industry. All systems are well established in the market and Otto Künnecke looks back to a more than 75 year history! Business Wire is the official news wire & online press kit service for the CARTES in Asia 2013. Breaking news releases, press kits, and multimedia are available at Tradeshownews.com, Business Wire's trade show, conference, and event news resource. About Business Wire Business Wire, a Berkshire Hathaway company, is the global leader in press release distribution and regulatory disclosure. Public relations and investor relations professionals rely on Business Wire for both broad-based and targeted market reach. A recognized disclosure service in the United States, Canada and a dozen European countries, Business Wire handles document formatting and regulatory filing into EDGAR, SEDAR and other systems. Professional communicators from public and private companies, government agencies, advocacy groups and more rely on Business Wire for both broad-based and targeted reach -- with IR services for public companies and PR services that include Public Policy, LatinoWire and Corporate Social Responsibility. Business Wire provides online newsroom hosting and integration services as well as search engine optimization, mobile distribution and detailed measurement on every press release. Its patented NX delivery platform provides simultaneous full-text posting of Business Wire content to news systems and websites in virtually any country or language. With 31 bureaus worldwide, Business Wire offers local service and global reach. Contact: Business Wire Global Event Services 310-820-9473 http://www.businesswire.com http://www.tradeshownews.com twitter: @tradeshownews
CARTES in Asia 2013 Exhibitor Profiles
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Dr Pepper
Revolving Door (0)
Sightings (7)
Beverage Companies Say They'll Reduce The Number of Calories Consumed By 2025 - Posted September 29, 2014
Coca-Cola, PepsiCo and Dr Pepper ... [FishbowlDC]
INFOGRAPHIC: How The Harlem Shake Shook Up Facebook, YouTube - Posted March 4, 2013
Facebook loves the Harlem Shake, and we don't just mean the company's employees. Various renditions of the dance are plentiful both on YouTube and Facebook. Unmetric recently took a look at how the Harlem Shake spread throughout both sites in an infographic, ... [AllFacebook]
McKayla Maroney Is Finally Impressed...by 7UP - Posted February 25, 2013
If we were advising major brands on new promo campaigns, we would generally discourage them from jumping on six-month-old web memes to hype their newest product rollouts. But what if that meme were "... [FishbowlDC]
Dr Pepper Evolution Ad On Facebook Leads To Controversy - Posted September 14, 2012
Beverage company Dr Pepper became the ... [AllFacebook]
Dr. Pepper Ad Inspires Evolution 'Debate'? Seriously? - Posted September 14, 2012
Today in You Guys Are Really Bumming Us Out News: At first we didn't think Dr. Pepper was looking for a fight when planning their "... [FishbowlDC]
Report: Coca-Cola Added Most Facebook Likes In August - Posted September 10, 2012
Users of Facebook and other social networks were thirsty for ... [AllFacebook]
Dr. Pepper Ten is for Manly Diet Cola Drinking Men - Posted October 10, 2011
Dr. Pepper is taking a cue from Our Gang's "He-Man Women Haters Club" with its new soft drink Dr. Pepper Ten. The brand is tapping the male taste for diet cola with marketing that states explicitly that this soda is "not for women." ... [FishbowlDC]


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CENGEA Solutions Inc. provides information technology-based business solutions for resource-based enterprises. CENGEA serves Forest Products, Agriculture, EnvirMore
$25 mil. - $50 mil.in Revenue
100 - 250EmployeesContact people at this company
supply chain management softwareenabled solutionsMore
Engineering SoftwareSoftware Development & DesignSoftwareMore
Suite 560-1188 Georgia St WVancouverBritish ColumbiaV6E 4A2Canadaview map
(604) 697-6400
Pro2015_Iteration9_NoTests.148[03] SEIDXWK-49


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Apple on Friday introduced a SIM-free, unlocked iPhone 5s to its U.S. online store. Of course, this has also been available since day one, in the form of an unlocked phone that ships with a T-Mobile SIM card — simply pop the T-Mobile SIM out and pop another one in. This latest version ships with no SIM at all, allowing you to insert one for your GSM-compatible operator of choice. The phone starts at $649 for a 16GB model, which is the same price as the T-Mobile version. And you might want to buy that T-Mobile version anyway – the SIM-free phone shows an estimated 1-2 week wait to ship, while the T-Mobile model takes just 3-5 days.
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Online bingo is a fun and entertaining way of earning money. Though this is not the right way for you to get rich instantly, it could be a unique way for you to at least earn for your every day expenses. When we talk about gamble, it doesn't mean that fate will always favour your party. It's natural that you will experience more number of loses than the wins. Since this game is in a form of online gambling, it involves money and some of your personal information for the registration. Safety and security should always be on top of your list.
There are already lots of people who got hooked into online gambling most especially with new bingo sites. You are not required to be a college graduate to get into the game. All you have to do is to create a strategy in playing the game. Most importantly, you should know your budget. Tested and proven, this game can be very addictive wherein some players can hardly stop. It is better to check on your budget and intend to separate specific amount only for the game. Some plays this game to earn extra money to pay debts and not to add that up. Recouping loses will do no good for you. If you have no luck for that day, better yet to quit and try your luck another time. On the other hand, if you are experiencing winning streaks, take a pause. Remember that in gambling, the outcome of the game is unpredictable, better yet to secure your money than to kiss it goodbye the next round.
Keep in mind that in gambling, you have neither hold nor a clue as to what the outcome will be. That is why you should be responsible with your actions and decisions. Winning in a bingo game doesn't need you to possess the best skills under certain circumstance; winning in this game is indeed unknown. Some may say that your fate relies on your cards chosen, though if you have chosen multiple cards, chances of winning could also increase. You should also be wise enough in choosing the room to play. There is a better chance of winning once you choose the room that has few registered players. The logic in this is that the more people involved in the game, the less chance of you getting the jackpot. Also, for you to know when is the right time to play where there are few players, choose the early morning and late night shift.
There could be lots of things that you should keep in mind when playing online bingo. The pattern starts from the right time of the day to make sure that there will be few players; down to entering the right room for the assurance of winning up to choosing the right cards to increase the chance of winning. You should also be wise enough to check out the website for any quality seal to promote safe and secured online gambling. There is always complete satisfaction when you know that you are in the right place of earning extra money while having fun.


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Resolution: standard / high
Figure 6.
Model of lysosomal membrane proteins and the glycoprotein coat. Structural models of glycosylated DC-LAMP and LAMP-1 were drawn to scale. The models are based on the DC-LAMP crystal structure and a hypothetical in silico model of LAMP-1. The thickness of the glycoprotein coat was reported to range from 5 to 12 nm with an average of 8 nm. The membrane-distal, N-terminal domain of LAMP-1 may adopt other positions. Dotted lines indicate putative binding sites consisting of the flexible loop L1 and an adjacent β-hairpin (Figure 5B). A box corresponding to 120 nm2 surface area was drawn around a top view of LAMP-1. Polypeptides are depicted in green and glycans in yellow.
Wilke et al. BMC Biology 2012 10:62 doi:10.1186/1741-7007-10-62


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I love to watch this type of fucking and talking down to women but I dont actually like being the woman lol! Does anybody know if this girl was in a movie called gag me and Fuck me?
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All Comments (36)
I love to watch this type of fucking and talking down to women but I dont actually like being the woman lol! Does anybody know if this girl was in a movie called gag me and Fuck me?
i love it when the guy fucks like this...hard and nonstop
wooww what a big cock, I want exactly from the same one deep inside me... he is so fast fucker.... I want to be in her place..I wanna such this dick.
wow thats just wow
Ur mom
trust me when you've been waiting for it to happen for so long and the tension between you is building it tends to get kinda wild. i've experienced it in the past and its bn gr8. gentle love making can be great too but fast and rough is sometimes neccessary!!!
she is so perfect
Jesus, she loves it rough...
i luv this video, the girls makes me cum, i love masturbateme with this vid
Can you imagine living in the apartment next to these two?
pussycat you can ride my cock you can suck also
What is her name?? Pleaseeeee help me. Comment her name on here. Thanks
oooohhh jeahhh
Wow that is great scene she really loves that big cock
James , it ain't real mate
danm! I wanna get fuck by him!!!
Last gal I had like this complained It hurt too much. Course I stuck it in her ass, she said it was too big and hurt so much she could hardly sit down. Why can't I find the girls that like it rough once in a while?
i love this girl
That was a great fuck...
I love this guy!! Great cock love to be fucked by him!!!
wtf is that sound at 17:00
she sounds like she is in a lot of pain for a while.
If she had natural tits, this would be as near to perfection as you could find
its similar to mine .. you can fuck with me ..
this guy is starring the video ''big tits meet big cock'' too.
cute girl, damn! girl, Miss Shell, tightgirl, lea, roughgirl, asiankat, melek all these can have my dick its bigger then this, try it...if you dare to.
nice shit what a man
I love fast hard sex like this, it gets me off so much. Men need to take notice of this and treat their women rough cos there's nothing we love more. I'm hoping to fuck some guy I know like this very soon, i want him and i know he wants me too, we just have to get chance to be alone and our fuck will be as hot as thisbecause of the tension
sexy girl....
i love it
DAMN! He knew what he was doing, obviously. Lucky girl. I don't like her moan though, she grints too much. Haha.
ive had 3 guys at 1ce relly rough n huge dickz bigger den his
Does Tory Lane not know how to deepthroat? She shoud have made that cock disappear completely at lest 50 times.
damn his cock is so fine. i want it so bad! I want his cock to make me SCREAM


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First Degree Assault - Glen Burnie
Northern District
First Degree Assault - Glen Burnie
On July 5, 2014 at 01:27 AM, Northern District officers responded to the Glen Burnie Town Center, Crain Hwy, for a report of an assault. A caller advised they observed two males and a female in a fight in front of the M&T Bank ATM. One male and the female were seen leaving the area in a black truck.
When officers arrived, they found a male bleeding from the hand. He initially advised that he was using the ATM when a male and female approached him and tried to rob him of his ATM card. However, his observations did not match those given by witnesses. Shortly after, a call was received from the Baltimore Washington Medical Center from a stabbing victim in the emergency room; that victim was transported in a black truck driven by a female.
Officers responded to the hospital and spoke with a 57 year old male victim and the driver of the truck. Investigation revealed the 57 year old victim was attempting to use the ATM when another male approached him, began shouting at him and slashing/stabbing him with a knife. The victim produced his own knife and attempted to fight back, wounding the suspect. The victim was able to get back into the truck and was driven to the hospital. The victim was transferred from BWMC to the University of MD-Shock Trauma for injuries to his arm, neck, and torso.
The description of the assailant matched that of the original subject officers made contact with outside the bank. This subject was also transported to BWMC by medics and treated for his injuries. He was arrested and charged with attempted 2nd degree homicide, 1st and 2nd degree assault, reckless endangerment and disorderly conduct.
Suspect: Garrity, Timothy John, W/M, 609 Mayo Rd, Glen Burnie, MD


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This profile was last updated on 8/24/15 and contains information from public web pages and contributions from the ZoomInfo community.
Bill ZimmermannWrong Bill Zimmermann?
Chief Executive Officer
Phone: (720) ***-**** HQ PhoneEmail: b***@***.org
Climbing Wall Association Inc
1460 Lee Hill Rd. Unit 2
Boulder , Colorado 80304
United States
Company Description: The Climbing Wall Association, Inc. (CWA) maintains insurance programs for its members in the climbing wall marketplace. CWA insurance programs are available only... more
Pro2015_Iteration9_NoTests.148[01] SEIDXWK-48


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a way to decorate a room that is fun and vibrant? Then these Tie Dye Paper
Lanterns are what you need. Decorate
any room with these Tie Dye Paper Lanterns. These Lanterns are perfect for any
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Never underestimate the power of a few motivated people with a vision and a computer. Three years ago, several such Victor residents, passionate about the preservation of rich local history, created the Victor Genealogical Society. Working in partnership with Town Historian Babette Huber, their growing collection of local genealogical records has found a safe and secure home within the walls of Victor Town Hall.
Never underestimate the power of a few motivated people with a vision and a computer.
Three years ago, several such Victor residents, passionate about the preservation of rich local history, created the Victor Genealogical Society. Working in partnership with Town Historian Babette Huber, their growing collection of local genealogical records has found a safe and secure home within the walls of Victor Town Hall.
"I'm very interested in the preservation of history — it's so important," said society president and enthusiastic genealogist Dianne Parks. "When it's lost, it's lost."
Parks reports a positive response in just three short years, as people across the country who have roots in the Victor area have called or written to request research — many as a result of the society's online presence at www.victorgenealogicalsociety.com.
"Most of the people who inquire have ancestors who may have been founding families or early families — from the early 1800s — in Victor," Parks said. "They want to know more about their family history. We've done research for people from California, Vermont, Virginia, Pennsylvania — from all across the US."
Victor's town historian is also grateful for their passion and abilities.
"They are of critical importance to municipal historians," said Huber, " and their expertise is very valuable. The Victor Genealogical Society is certainly a very important organization for me to use when I get genealogical requests."
A fee of $25 per hour is charged for research, and all money received is used to purchase supplies, maintain the Society's website, and provide educational materials for programs they conduct.
The Society currently has 30 members nationwide. For an annual fee of $10, members receive a quarterly newsletter and have a hand in preserving local history for future generations. Some six hundred binders full of carefully organized and preserved records are now tucked away in archival storage at Town Hall.
"Our biggest obstacle is when (we) go back four generations and then suddenly can find nothing about someone," said Parks. If (we) can't get some kind of formal document, like a death certificate, (we're) at a dead end."
Another stumbling block is when hobbyist researchers fail to document the source of their information. The Victor Society has come across things others have collected but if the source hasn't been documented, it becomes another a dead end.
"You have to be very patient and explore lots of different avenues," said Parks. "You have to document sources. It's so much fun. It's like being a detective."
Members of the Genealogical Society are excited about the recent wave of curiosity in tracing family roots across the nation.
"Even network television is beginning to realize that this is something people are becoming interested in again," said Parks, citing the popular NBC show called "Who Do You Think You Are?"
Page 2 of 2 - Two landmark events are on the horizon for the Victor Genealogical Society in the days ahead. One is the 150th anniversary of the start of the Civil War and the other is the 200th anniversary of the establishment of the Town of Victor.
In 2011 the nation will commemorate the 150th anniversary of the start of the Civil War. Victor Town Historian, Babette Huber is working on displays in the Victor Town Hall and Village Hall featuring "Victor in the Civil War." These are expected to be completed in early 2011.
The year 2012 marks the Bicentennial of Victor. Planning for this important milestone will begin in 2011.
People with information relative to the birth of Victor, the founding families of Victor, or area families who were involved in the Civil War are invited to send information to the Genealogical Society. Contributions may be sent directly to the Victor Genealogical Society, P O Box 443, Victor, New York 14564.
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Location, ST | website.com


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Hillenbrand Inc (HI) Ex-Dividend Date Scheduled for December 13, 2012
Hillenbrand Inc ( HI ) has announced an ex-dividend date of December 13, 2012 and a cash dividend payment of $0.195 per share scheduled for December 31, 2012. Shareholders who purchased HI stock prior to the ex-dividend date are eligible for the cash dividend payment. This represents an 1.3% increase over the prior quarter. At the current stock price of $21.41, the dividend yield is 3.64%.
The previous trading day's last sale of HI was $21.41, representing a -11.46% decrease from the 52 week high of $24.18 and a 27.82% increase over the 52 week low of $16.75.
HI is a part of the Consumer Durables sector, which includes companies such as International Game Technology ( IGT ) and Brady Corporation ( BRC ). HI's current earnings per share, an indicator of a company's profitability, is $1.68. Zacks Investment Research reports HI's forecasted earnings growth in 2013 as 7.1%, compared to an industry average of 15.5%.
For more information on the declaration, record and payment dates, visit the HI Dividend History page.


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Bankers are seeing few signs that their institutions — and their bonuses — will stage a full recovery anytime soon.» Read More
Executives from large corporations are not being held accountable when they break the law, according to Brandon Garrett, author of "Too Big to Jail".
Plum Creek's Rick Holley returned his $2 million bonus after investors failed to see return of investment during his tenure.
Johnson Controls CEO Alex Molinaroli saw his annual bonus get cut following his affair with an employee of a consulting firm.
The debate about pay for Wall Street executives who take government jobs appears to be based more on a populist shakedown than on good public policy.
Seven of the 30 largest U.S. firms paid more money to their CEOs last year than they paid in U.S. federal income taxes, according to a study.
Repeated scandals at banks' trading desks show the sector's compensation must be regulated to stop encouraging misconduct, BOE Gov. Mark Carney said.
Aspiring M&A bankers hoping to bank the bucks should angle for a job at Credit Suisse or Deutsche Bank, according to a salary benchmarking site.
Germany is home to Europe's best-paid bank CEO, according to a ranking that shows little correlation between executive pay and shareholder returns.
Here's what Marie McIntyre imagines Microsoft CEO Satya Nadella's daughters might say to him about their careers.
The pay gap between CEOs and the rest of the workforce is widening in Britain, with FTSE 100 bosses earning 120 times more than average employees.
Burberry shareholders rejected a 20 million pound remuneration package for its new chief executive, Christopher Bailey. The Financial Times reports.
Morgan Stanley wants to pay out a smaller portion of wealth management revenue to the retail brokers who generate it, in a move to cut costs.
Zynga shares are down more than 21 percent, but that didn't stop the company's board from approving CEO Don Mattrick $57,814,391 pay package.
CNBC's Mary Thompson runs down the new list of the highest paid CEO's in 2013.
Jeffrey Sonnenfeld, Yale School of Management, discusses several of this year's themes at Yale's 77th annual CEO summit, including activist investors and executive compensation.
Wal-Mart fired back at a prominent proxy advisory firm that critiqued the company's executive pay plan and how it's handled a bribery probe.
Investors rejected the pay plans of 10 of the world's biggest banks as anger over excessive bonuses soared in both Britain and the United States.
The median pay package for a CEO rose above eight figures for the first time last year.
Here are the 10 highest-paid CEOs of 2013, as calculated by The Associated Press and Equilar, an executive pay research firm.
How do you make big banks safer? Here's an idea: Pay executives in long-term bonds.


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What was the best part of your weekend?
What was the best part of your weekend?
I took my son to a classmate's birthday party and it was really nice. He had fun playing with his friends and it was nice to get to know some of the other moms.
I enjoyed listening to the rain and thunder and lightning storm last night.
Well i was ill most of the weekend but the best part was going to a bbq once I got better.
my bestie came up with my god daughters. we made peanut butter cookies, and just hung out watching t.v. and watched the game.. ROLL TIDE!!


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Jen, Kristen and Joyce are happily covering for Cheree's classes so come join them on Monday and Thursday for 5:30 Reformer classes. The 4 and the 6 are now combined to 1 action packed class at 5:30!!!!]]>
Chris Drake, Occupational Therapist, works with a wide variety of people, assisting them to maximize their abilities. Chris also has a lifelong commitment to applying the benefits of exercise and athletics to his own life and enjoys sharing that knowledge with others
The class will be an hour and your mat class card can be used.
Kettlebells are a great alternative to weights. Their design promotes strengthening but utilizes several muscle groups simultaneously which is an effective and functional approach to exercise. The class is aerobic as much as strengthening. Your core will get a huge workout as well as every other part of you!]]>
Bonna Stoner is a native of beautiful Nevada County.
She has been a Certified Massage Therapist for 15 years specializing in Deep Tissue, Hot Stone and Sports Massage.
After returning from New Orleans, she comes to Core with passion and love for the healing arts.
Call Bonna at 530-208-8337 to schedule your massage!!]]>


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By Mark van der Feyst
Every ventilation and chain saw has a chain brake. The chain brake is designed to prevent serious injury from kickback. When kickback occurs, the chain brake will engage stopping the rotation of the chain — preventing the chain from cutting into the flesh of the operator.
As needed as this device is, it can sometimes be the cause of clutch failure thus leading to the saw not working at all. When the chain brake is engaged, it engages the clutch that removes the power from the chain and prevents rotation. When the motor is operating at full throttle and the clutch is engaged, the clutch will start to heat up leading it to eventually burn out. When starting a saw of this type, make sure that the chain brake is off when revving it up to full throttle. When operating the saw, make sure the chain brake is off.


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WCA/NH: 20 Years!
WCA New Hampshire 20 Years Celebration: In the Capital
Celebrating our 20th Anniversary, The Women's Caucus for Art/New Hampshire Chapter held three exhibits in Concord during October and November:
- The Women's Club of Concord (October)
- The Concord Chamber of Commerce (October)
- The Carolyn Jenkins Gallery at Kimball Jenkins Estate (October 5–Nov.20)
Exploring the Power of the Feminine When women demonstrate their feminine power and energy in positive ways that command deep respect, they are often referred to as a FORCE OF NATURE.
Congratulations! Bonnie Farren is our 2015 WCANH Scholarship Winner
Congratulations Bonnie! Bonnie is a student at the NH Technical Institute in Concord. If you or someone you know is a female art student studying in NH, please consider applying next spring for our 2016 Scholarship.
October 24, 2015
10am to 2 pm
Kimball Jenkins School of Art
Concord, NH
WCA/NH is part of a national organization that promotes the advancement of women in the visual arts through educational programs, networking and exhibition opportunities.
Exhibition Opportunities
WCA/NH offers a rich variety of juried and non-juried exhibition opportunities to our members.
Art Shares
An Art Share is a casual meeting of artists who are interested in sharing and talking about their artwork.
Artist Trading Cards
WCA/NH holds Artist's Trading Card (ATC) exchanges five times a year. ATCs are mini works of art done on 2-1/2 in. x 3-1/2 in. cards.
With a little help from our friends!
WCA/NH is supported in part by a grant from the New Hampshire State Council on the Arts and the National Endowment of the Arts.


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Specifications for the
Douglas A-1 Skyraider (AD-1)
Focus Model: Douglas AD-1 Skyraider
Country of Origin: United States
Manufacturer: Douglas Aircraft Corporation - USA
Initial Year of Service: 1946
Production Total: 3,180
Crew: 1
Length: 39.37 ft (12 m)
Width: 50.00 ft (15.24 m)
Height: 15.75ft (4.80 m)
Weight (Empty): 10,470 lb (4,749 kg)
Weight (MTOW): 18,029 lb (8,178 kg)
Powerplant: 1 x Wright R-3350-24W air-cooled radial engine developing 2,500 horsepower.
Maximum Speed: 321 mph (517 kmh; 279 kts)
Maximum Range: 1,553 miles (2,500 km)
Service Ceiling: 26,001 ft (7,925 m; 4.9 miles)
Rate-of-Climb: 2,300 feet-per-minute (701 m/min)
Hardpoints: 15
Armament Suite:
2 OR 4 x 20mm cannons in wings (model dependent)
Fifteen external hardpoints to support various ordnance including rockets, torpedoes, mine dispensers, conventional (and nuclear) drop bombs, and fuel tanks. Between 6,000 lb and 8,000 lb of stores.
XBT2D-1 "Destroyer II" - Prototype Model Designation.
Cambodia; Central African Republic; Chad; France; Gabon; South Vietnam; Thailand; Sweden; United Kingdom; United States; Vietnam


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Kiwi International Hotel
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Meeting rooms/conference facilities
- Non-smoking hotel
- Non-smoking rooms
- Laundry facilities (self serve)
- Restaurant
- High-speed internet in room
Travelers also recommend:
TravelPod Member ReviewsKiwi International Hotel Auckland
Clean hotel
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
Reburbished backpackers with none of the charm of either a hotel or a backpackers. Dark and bit institutional feeling (was it an asylum in a past life). A little on the "Shutter Island" side of room. Has a bar/restaurant and an internet cafe, but didn't take advantage of either. The towels were very nice though, large and plush. But the sheets were thin and pilly. Very noisy at night, because our room faced the alley and it was a busy place at night. It is in a good location though right on Queen Street so it was a reasonable walk to all the downtown locations, including the Metro, the wharf, the Sky Tower, the City Library , the university and yes even the Auckland Domain. The woman who handled the visitors information and travelling details was very friendly and very helpful though. She is the only reason I can give the place 1 star.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
TripAdvisor Reviews Kiwi International Hotel Auckland
Travel Blogs from Auckland
Wieder in Auckland
1.4. - 3.4. Auckland
So langsam geht unsere Reise dem Ende entgegen. Der Flieger aus Rarotonga landete gegen 1.30 Uhr Auckland.
Als wir Anfang Februar in Auckland unsere erste Station in Neuseeland machten, hatte ich bereits f�r die R�ckkehr das Hotel gebucht und zwar so, dass wir mitten in der Nacht einchecken k�nnten. …
Takaisin kaupunkiin
Aucklandissa vietettiin yksi y�. Lento Hong Kongiin l�hti vasta puoleny�n j�lkeen, joten meill� oli koko p�iv� aikaa kierrell� kaupungilla. Y�vyimme Kiwi Interational Hotellissa, joka oli p��kadun eli Queen Streetin varrella k�velymatkan p��ss� keskustan kaupoista ja satamasta. L�hell� oli my�s kiva leikkipuisto. Hotelli oli ihan ok, …
Drei Tage Auckland
6.2. – 9.2. Auckland
Nach fast 12 st�ndiger Anreise von Taipeh �ber Brisbane, wo wir uns per SMS mit unserer Freundin Avon Moffat, die in Brisbane lebt, eine wunderbare, verr�ckte Person, die Wartezeit verk�rzt haben, landete der Flieger wegen der 5 st�ndigen Zeitverschiebung gegen 18.30 in Auckland. Kurz durch das Immigration, Gep� …
Waiheke Island and winery hopping!
This morning we slept in as long as we possibly could to try and catch up on some sleep- we have been so busy during this trip and our bodies are just starting to pay for it now. We are both feeling tight and sore after canyoning but still have enough get-up-and-go to ensure that our last day in NZ is incredible! Today we caught a ferry from the …
We left the house by 9am for a full day out......
We spent time in Ponsonby sorting (the boring stuff): IRD numbers, letters to post, visit to the bank....yawn, yawn, yawn! Really like going to the bank, everyone is so friendly and you actually get to talk to real people, not to a machine! We met the bank manager who is also English and...


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Sharon Smith
Faculty of Education
Sharon Smith
Circulation Clerk
Instructional Resource Centre (IRC)
As circulation clerk, Sharon Smith is responsible for circulation and supply desk duties, generating overdue and bill for replacement circulation notices electronically, processing course reserves and assisting patrons with reference questions.
Sharon Smith
Faculty of Education
Brock University
St. Catharines, On.
Office: IRC
T: 905 688 5550 x3357
E: email@example.com
PhD in Education Portfolio Defence - Owen Webb
January 7, 2016 - 10:00am - 12:00pm
PhD in Education Thesis Defence – Philip Teeuwsen
January 18, 2016 - 10:00am - 1:00pm
Monique Mallet-Boucher PhD Dissertation Defence
December 9, 2015 - 10:00am - 12:00pm


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Advice Smackdown
Making the Most of a Hand-Me-Down Wardrobe
by Amalah
Learn how to make the most of a kid's hand-me-down wardrobe, tell us your ideas and enter to win a $500 gift card to Old Navy. Whee!
The Lice Whisperer
by Amalah
My daughter keeps getting head lice from her best friend! How do I put a stop to it without embarrassing everyone?
Gentle Care for Winter Scalps
by Amalah
A dry, itchy, flakey scalp is even less fun when it's attached to your preschooler.
Good Boys vs. Bad Guys
by Amalah
My little boys just want to be the "bad guys" all the time. How do I keep their play appropriate and safe?
Stinky Stinky Cloth Wipes
by Amalah
Help! My cloth wipes smell like unfinished basement crawl space. What am I doing wrong?
The Second Baby War
by Amalah
I want another child and he doesn't, at all. Can this relationship be saved?


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I share my passion for knitting & felting through my original patterns. My designs include ideas for bags, brooches & lots more.View all patterns by designer (58) »
This super cute and cheerful frog is a quick and easy knit and felt project.
With a cheeky embroidered smiley face it is safe for even the smallest child to hug.
Mr Frog is quick to knit using large size needles and pure wool, then magically transformed into thick soft felt by a ride in your washing machine!
This original Frog design is knitted in pure, hand wash wool and then transformed by a ride in a washing machine into soft strong felt.
My clear and detailed pattern and 8 pages of fully illustrated instructions guide you step by step, through knitting, sewing up, felting, assembling and creating the happy face of Mr Frog.
I guide you every step of the way so you can easily create your own felted Cute Froggy.
100 meters of Worsted weight


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It looks like you're new here. If you want to get involved, click one of these buttons!
Hello all,
I've been enjoying the free eggducation and all of the pictures here so I thought I would post my appreciation. I've only owned my Large egg for 3 weeks but have managed to cook several quality meals, meatloaf, butterflied pork loin, spatchcock chicken, steaks, and now pair of 6 1/2 pound pork butts.
There was no ground breaking method used here for the pulled pork. Both were covered with mustard, one was rubbed with Head Country dry rub and the other rubbed with someones rub recipe I copied from the forums. The egg was set for indirect cooking with a drip pan on the platesetter. The butts were placed on the V-rack fat side up. They were actually touching in the center in the rack. You can see from the only picture I took how much they shrunk during the cook.
I put them on the egg last night at 9:30 pm and pulled them from the egg at 9 am this morning. I was shooting for 250 dome temp but it crept up and ran at 300 for a couple of hours before I got it to start dropping. I went to bed and woke up with the dome temp sitting on 250. After the internal temp hit 190 or so I got impatient and kicked the temp up to 300 until the internal temp of 200 when I removed it from the egg and FTC until I pulled the pork at 11:30.
It was the best pulled pork I've ever made and fell apart as I pulled it. Thank you all for sharing your experiences, it is appreciated.
I used to live around Kingman when I was a young lad. It would close about 10:00 pm.
Welcome to the herd.
"You're not a real Texan till you've been kicked out of every decent state in America." - Joe Bob Briggs
LBGE, Mini BGE and R&V Fryer
Prosper TX
And your are correct, Texas Red has no Beans
Boerne, TX
Not to get technical, but according to chemistry alcohol is a solution...
Large & Small BGE
Stockton Ca.
Uh.. I hadn't heard about any initiation rituals. :-S
@jccbone62 I'm in Chanute, 2 hours from everywhere.
Thanks again all