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BankFinancial Corporation (BFIN)
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BankFinancial Corporation (BFIN)
F4Q07 Earnings Call
March 21, 2008 10:30 am ET
F. Morgan Gasior – Chairman of the Board, President & Chief Executive Officer
Paul A. Cloutier – Chief Financial Officer, Executive Vice President Finance
Ross Haberman – The Haberman Fund
Ron Peterson – Stearn AG
Barry White – River Capital
Previous Statements by BFIN
» BankFinancial Q4 2008 Earnings Call Transcript
» BankFinancial Corporation Q3 2008 Earnings Call Transcript
» BankFinancial Corporation Q1 2008 Earnings Call Transcript
F. Morgan Gasior
Good morning. Welcome to our fourth quarter 2007 conference call, our first call of 2008. At this point in time we'd like to read our forward-looking statement.
This conference call may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 concerning BankFinancial Corporation's future operations and financial results. Such statements are based on management's views and expectations as of today based on information presently available to management. These statements are subject to numerous risks and uncertainties as described in our annual report on Form 10K for the year ended December 31, 2006 and other filings with the Securities & Exchange Commission and as a consequence actual results may differ materially from those anticipated by the forward-looking statements. BankFinancial undertakes no duties to update forward-looking statements.
F. Morgan Gasior
First, all filings are complete. We were a little bit ahead of schedule this time around so we decided to get the information out as soon as it was ready so we do apologize for the shorter notice on the conference call. But having said that, everything is out and we're available for questions.
Question-and-Answer Session
(Operator Instructions) Your first question comes from the line of Ross Haberman with the Haberman Fund.
Ross Haberman – The Haberman Fund
Could you talk about your interest rate exposure and as rates are coming down how do you see that affecting the spread and the margin? And one specific thing, how much of your loans are adjustable rate as of yearend?
F. Morgan Gasior
I guess the specifics on that Ross are going to come out in the 10K here shortly. So, I don't want to preview the 10K without having the exact numbers available but let me just recap where we were at the end of third quarter and give you some basic views on the topic. We were slightly liability sensitive at the end of third quarter and as we had said at the time we felt that we wanted to improve that liability sensitive and become a little bit more neutral as time went on and we were able to do that. Going forward that slightly liability sensitivity will still be out there, it will be somewhat less than it was at the end of third quarter.
Adjustable rate loans obviously, there's going to be various categories of adjustable rate loans you'll have adjustable rate mortgages that will reset during the year, you'll have commercial lines of credit that adjust sometimes monthly, sometimes quarterly. Sometimes you'll have lines of credit that are fixed for a year that will then mature during the year. So there's a variety of moving parts in that and I think it's kind of hard to generalize. But, the board of directors and the board and asset liability management committee has been very focused on maintaining a fairly careful balance on ALM and looking at gaps and spreads along those lines. What I would tell you is that the current interest rate environment notionally should be more favorable for net interest [inaudible] and net interest spread and as we said in the filing the principal risks of that view are going to be the intensity of deposit competition and to the extent that we see shorter term higher rate loans such as construction loans and certain components of the healthcare commercial line of credit portfolio paid down. To the extent that those loans are replaced by commercial lines of credit you won't see very much impact and we should get the benefit of a more favorable interest rate environment. Through the extent that they're not replaced or they're replaced by more fixed rate assets then you won't quite get the benefit.
(Operator Instructions) Your next question comes from the line of Ron Peterson with Stearn AG.
Ron Peterson – Stearn AG
Just going through my model and the press release looking at the expense for the quarter if you pull out the stock-based compensation expense compared to last year's fourth quarter obviously the expense were down but if you look compared to the third quarter there was like a 4.5% jump or so. Obviously, there was some expenses related to the settlement with the servicer during the quarter but were there any other maybe additional items or non-recurring items in there that pushed that number higher? Or, is that a good run rate to use going forward?
F. Morgan Gasior
Let me address part of that and then I'll ask our CFO Paul Cloutier to address part of that. During the fourth quarter we had some transitional expense on the headcount and the comp side. We brought on some new people in retail commercial banking, we also had some new recruits in the branch operations particularly in the branch management area and we still had the original folks on staff. We kind of saw some transitions coming in and decided when we saw some good people to bring them aboard. So that's one, headcount went up to some degree and there were some associated expenses. We also kept a couple of people around extra to work on some special projects in fourth quarter and those are wrapped up or just about wrapped up and so again you'll see a couple of people leaving on that basis. We were up a little bit in headcount and you saw some transitional compensation expenses there. We also had a couple of projects ramp up and we accrued some incentive expenses in fourth quarter due to the successful completion of those projects. Apart from the comp side there were some things that were going on that I think would be best if Paul gave you a more accurate run down.
Read the rest of this transcript for free on seekingalpha.com


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For example, if a company produces artisan furniture, the cost of the wood and the cost of the craftsperson are direct costs—they are clearly traceable to the production department and to each item produced—no allocation was needed. On the other hand, the rent of the building that houses the production area, warehouse, and office is not a direct cost of either the production department or the items produced. The rent is an indirect cost—an indirect cost of operating the production department and an indirect cost of crafting the product.
To calculate the total cost of the production department or to calculate each product's total cost, it is necessary to allocate some of the rent (and other indirect costs) to the department and to the product.
I associate indirect with allocation and arbitrary.
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subset: commoncrawl


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Making Jewelry With Beads And Silver Jewelry For Beginners : A Complete and Step by Step Guide
(Special 2 In 1 Exclusive Edition)Wearing jewelry is essential to helping women developed their own style. For women wishing to create a look that's unique, the last thing they'll want to invest money in is mass produced pieces of jewelry. It's for this reason alone, learning the skills needed for making silver and beaded jewelry could prove extremely beneficial. When it comes to making such pieces you need to know where to
An Expert's Guide to Choosing and Using Your WardrobeMost women feel like they can barely find their shoes in the morning-let alone pull together a stylish, snappy ensemble for the day. Mary Lou Andre is here to help. An expert in wardrobe management and fashion consulting, she shows her clients how to find their own style-and make the most of what's already in their closets. And in this illustrated guide, she explains her effective wardrobe
$9.99Now available in paperback: musings, inspirations, and styling tips from the darling of the fashion worldWith influences that range from the sultry beauty of Jane Birkin to the rocker chic of Mick Jagger, it's no wonder that everything worn by Alexa Chung instantly becomes the latest trend. Already a hugely popular television personality and a muse for Marc Jacobs and Karl Lagerfeld, Chung was
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A complete course for new fashion photographersFashion photography is one of the most appealing markets for any new photographer, but also one of the most challenging, combining as it does a group of disciplines, from the more technical makeup and editing roles to the photography itself. With digital technology and good planning, however, you can tackle as many of these as you please, and offer the best possible service to your client, whether
$23.99Through the 1950s and the early 1960s, working with that era's supermodels, fashion photographer Lillian Bassman created the quintessential modern feminine image of women in their lingerie. As Ginia Bellafante put it in the New York Times recently, "In place of heavyset women constraining themselves in what was essentially equipment, Ms. Bassman deployed immeasurably lithe models, conveying a
$19.99In Berlin Street Style, noted design expert Angelika Taschen defines the unique fashion sense of this hip city. The book showcases the popular anti-chic" look seen throughout Berlin, offering advice on how to create a simple, casual, and appealingly disheveled appearance with vintage pieces, essential basics, and carefully selected accessories. For travelers to Berlin, the book recommends the


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Retractions are on the rise. But reams of flawed research papers persist in the scientific literature. Is it time to change the way papers are published?
Jewish Heritage Written in DNA
September 9, 2014|
Fully sequenced genomes of more than 100 Ashkenazi people clarify the group's history and provide a reference for researchers and physicians trying to pinpoint disease-associated genes.


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TV, Comic Books
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Seattleites are enthusiastic recyclers, and they can do more. But in recycling there is a law of diminishing returns, and each step...
Seattleites are enthusiastic recyclers, and they can do more. But in recycling there is a law of diminishing returns, and each step needs to justify itself.
Overall, the garbage not recycled costs the city $50 a ton to put on a train and send to Oregon. That means that any recycling that costs less than $50 a ton is worth doing. The current recycled share is 44 percent, which includes most of what is worth doing, but not all.
The city has a study that says it could increase the recycled share to 72 percent, but the director of solid waste, Tim Croll, says some of that is too expensive. One is composting of pet waste, which is estimated to cost $1,700 a ton. Another is subsidizing cloth-diaper services in order to cut down on used disposable diapers. That pencils out at more than $2,000 a ton.
Another is a ban on plastic shopping bags. The current alternative, says Croll, is a cornstarch bag that biodegrades into little waxy pellets that aren't good in compost. The cost for a ton of garbage saved is more than $2,000. It is an amount that would tend to get rolled into the price of groceries, which makes us wary of supporting it.
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The best opportunity is in recycling the construction and demolition waste generated by builders. Nail-scarred studs can be chipped and used for boiler fuel. Broken wallboard and metal can be recycled. Some of this is done today without subsidy because it pays; with some incentives, a much larger sorting station could be built.
The study estimates that a program to encourage recycling of construction and demolition waste would cost only $2 a ton and could increase the share of municipal garbage recycled by nearly 5 percentage points, making it hundreds of times more cost-effective than banning plastic bags.
Another 2 to 3 percent of garbage could be recycled, the city estimates, if garbage workers picked up large items at curbside. But that would mean a ban on private dumping at the transfer stations, and Mayor Greg Nickels rejected that. The inconvenience is too painful. Let it wait.
As time goes on, the limits on what it makes sense to recycle will change. More things become possible. For now, the city's target of 60 percent by 2012 is about right.


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Tools for managing virtual environments
Virtual Admin
This month we examine techniques for deploying and managing virtual systems.
Given the rapid pace of IT evolution, virtualization is already yesterday's news. IT managers around the world are working out strategies for how to meet the virtualization challenge. You've tried all the leading tools – Xen, VMware, KVM, VirtualBox – and now you're ready to take the next step. This month we examine some techniques for deploying, configuring, and managing virtual environments.
We start with a study of MLN (Manage Large Networks), a powerful open source virtual machine management tool that lets you "build sophisticated, dynamic virtual infrastructures using freely available virtualization platforms." We'll show you how to use MLN to deploy and manage Xen, VMware, and User Mode Linux virtual environments.
Next we examine the world of virtual appliances. You'll learn what a virtual appliance is and why more admins are turning to the virtual appliance as a simple, efficient solution for running network services in Linux. We'll also show you two easy tools for creating your own virtual appliances: VMware Studio and SUSE Studio.
The next article in our virtualization set shows how to set up your own virtual cluster using the Rocks Linux distro. As you'll learn, NASA and other leading scientific institutions use Rocks clusters to perform complex calculations, but Rocks is simple enough even for casual users. And if you're still looking for more information on the art of deploying and managing virtual environments, turn to our Know-How section, where you'll find an article on automated installation with the Cobbler provisioning system.
If you're finished with the experiments and you want to get on with the real business of deploying virtual systems on a massive scale, you'll find lots of useful information up ahead on virtualization in Linux environments. And even if you're just getting started with your experiments, this issue highlights some handy apps you might want to integrate into your toolkit. We hope you enjoy this month's Virtual Admin cover story.
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Rapist David Earls faces grand jury in new abuse allegation
McALESTER — A Pittsburg County grand jury will convene Aug. 24 to investigate a previously unprosecuted child sex abuse allegation against child rapist David Earls. District Judge John Maley on Friday ordered the convening of the grand jury at the request of Oklahoma Attorney General Drew Edmondson, who said he wants the grand jury to investigate "alleged lewd and lascivious acts against a child under 14." Earls, 65, touched off controversy earlier this year when he entered into a plea agreement that called for him to serve only one year in jail for the rape of a 4-year-old girl. District Attorney Jim Bob Miller and District Judge Thomas Bartheld received heavy national criticism for agreeing to the plea. Prosecutors said they agreed to the deal because their case rested largely on the testimony of the victim, now 5, who made contradictory statements during pre-trial hearings. "Earls is set to leave prison on his previous conviction for rape and forcible sodomy in just a few weeks," Edmondson said Friday. "After reviewing Earls' case file, I asked our investigators to look further into Earls' history and to determine if other unprosecuted crimes existed." Investigators found a history of alleged sexual misconduct, as well as possible crimes that have not been prosecuted, the attorney general said. "Our investigators interviewed potential victims and witnesses in three different states," Edmondson said. "We gathered information of alleged sexual abuse going back about 30 years. We also learned of more recent allegations that have not been charged." Details about what Edmondson wants the grand jury to investigate were filed under seal.
Reviewing the caseSince Earls entered his guilty plea, his adult daughter and the adult daughter of a woman once married to Earls have come forward to say they were sexually attacked by Earls when they were children. In addition, it has been disclosed that the 5-year-old brother of the girl who was raped also had injuries consistent with child abuse. Edmondson said Friday that attorneys in his office have been reviewing state statutes and state and federal case law, especially as they relate to statute of limitations, double jeopardy and double punishment. "We have strong evidence to present to the grand jury, and we stand on solid legal ground to pursue our allegations on these new crimes," Edmondson said. "Knowledge of Earls' alleged history of abuse will bolster our argument that he is a continuing threat." The Oklahoma Supreme Court appointed Judge Maley to preside over the grand jury after Judge Bartheld, who had accepted Earls' plea agreement, agreed not to be involved in the case. Bartheld said he thought he could be fair and impartial, but he stepped aside to "avoid the appearance of impropriety."
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Ongoing coverage: David Harold Earls


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Princeton police say they have arrested three teens for allegedly stealing a pair of kittens from an animal shelter.
A volunteer at the SAVE Animal Shelter saw two people run out with a pair of tabby kittens on Saturday afternoon.
Police arrested 19-year-old Hamza Cheema and 19-year-old John Moore. They also arrested 19-year-old Corey Thompson, the driver who allegedly helped....
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After more than a month of a light release calendar, two of the year's biggest blockbusters in Diablo III and Max Payne 3 break the streak and put a dent in your wallet.
I can't decide between the two so my picks of the week are Max Payne 3 and Diablo III. Two of the most beloved developers in Rockstar and Blizzard releasing on the same day is both a blessing and a curse. Fans have waited over a decade for a follow-up to Diablo II and millions will be crawling through dungeons with glee as it finally arrives this week.
Rockstar has owned the month of May the past two years with Red Dead Redemption and L.A. Noire, and looks to continue that trend by taking on the Max Payne franchise. Look for our review later in the week.
To top it all off, Game of Thrones fans get the Atlus published game adaptation.
What are you playing this week?
Via Kotaku, PlayStation Blog


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Tyrrell-Doyle Honda Sales Reviews
- 1919 Westland Rd
- Cheyenne, WY 82001 (map)
- Chat with Dealer
Should have shopped in ColoradoWritten by tigeriyz on 05/25/10 12:00:00 AM PDT Go back to Sales reviews
Recommend this dealer? No Purchased a vehicle from this dealer? No
I purchsed a Honda at Tyrrell-Doyle Honda in Cheyenne a couple of years ago. The thing that had convinced me to purchase here instead of Colorado was the "Free Tires For Life" program. I had heard from various people of the good reputation of Fort Collins Dealerships and different programs that have been offered, but I still decided to give the home-town a chance. Big Mistake. Upon requesting my first sorley-needed set of replacement tires I was told that the program they went through went bankrupt and the offer was no longer valid! I would think that a long-standing business in the community would want to defend it's reputation and make good the original offer to ALL the various customers that purchased their Honda with the Free Tires For Life program. I feel that this program was just used to make a sale and keep you over-paying for dealership oil-changes. The flyer mentions no other company other than Tyrrell-Doyle, and would be subject to false-advertising charges in other states if it were not honored For Life as it states. Needless to say, I will NOT make another major purchase in Wyoming!


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U.S. Housing: It 'Has to Move Higher'
TheStreet) -- An apparent surge in home prices has prompted concerns the country's housing market might be getting too hot, especially in more desirable places such as California and Arizona. Such worries though are hardly warranted -- an overheated housing market isn't about to happen anytime soon, even though U.S. housing prices jumped 10.9% year-over-year in March, according to the S&P/Case-Shiller 20-city home price index.Although we've seen some blips in some data points recently, the year-over-year trends are still good, according to Zillow (Z) chief economist Dr. Stan Humphries. "Annualized, you're still seeing 10% to 15% year-over-year growth," Humphries said in a recent interview. Inventories are in large part to thank for the housing market turnaround. Builders aren't building many new homes, and resales are still pretty tight, especially in some of the hotter markets. Nationally through the end of February, sales were down 17% year-over-year, with the hotter markets, such as Los Angeles, Las Vegas, Phoenix, San Francisco, Portland, and others showing inventories down even more, in some cases, by as much as 40%. Buyers are stepping up in droves because of low-interest rates, driven by the Federal Reserve's policies. "Buyers are being influenced mightily by zero-interest rate policy and quantitative easing," said DoubleLine's Jeffrey Gundlach in a recent interview with TheStreet. "Those things together create a market that is much higher, therefore there is confidence in it." Humphries echoed those thoughts, particularly, as they relate to the Federal Reserve's purchases of mortgage-backed securities. "The high affordability is attributable to low refinancing rates, as we sit around 3.5% on a 30-year fixed mortgage," Humphries noted. There are some concerns about affordability, particularly if the Fed continues to target 6.5% unemployment as its goal, a figure which may not be achieve until mid-2015. "If we drive at these rates until 2015, we're going to push prices up above fundamental levels, and markets will be overpriced," Humphries said. Not only are low rates fueling the surge but investors themselves are doing their part. Hedge funds, private equity funds such as Blackstone (BX - Get Report), and others are buying up single-family homes in droves, further adding to the inventory squeeze. Investors were the ones who were buying homes in foreclosed markets, however that's had a negative impact on home ownership rate. That's fallen from 70%, which is the average, to 64% or 65%. Investors have been buying foreclosed homes, getting into the markets as early as 2009 or 2010, purchasing the properties with cash, financing them at attractive rates. In turn, the people who've owned those homes in the past are being thrown out, and the houses are then being rented. To a lesser extent, retirees and second-home buyers are also taking additional supply off the market.NEW YORK (
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The Pixie and The Scout is a catering and events brand serving the five boroughs. Inspired by a wide network of farming and fishing friends, The Pixie and The Scout strives for sustainability in everything from sourcing to service. The company offers custom menus and events tailored to a particular client as well as menus and meals available for online ordering and delivery.
Founded and based in New York City, Heritage Foods USA is a farm to table online butcher dedicated to supporting family farms and increasing biodiversity in our nation's food system. Their mission is to create a fully traceable food supply, increase genetic diversity & foster land stewardship. Heritage Foods USA connects a steady-growing network of 75 family farms to a national market. They promote breeds that have been marginalized by industrial farming. Their animals are pasture raised, processed humanely and free of antibiotics or growth hormones.
At Wythe Hotel - 80 Wythe Avenue, Brooklyn, NY (WIlliamsburg).
Brooklyn Victory Garden (BVG) is a neighborhood grocer in Clinton Hill, Brooklyn. BVG strives to bridge the gap between producer & consumer, letting you know where and who thier products come from.
BVG is a favorite neighborhood destination for meats, gifts and cheeses that are locally, ethically and sustainably sourced.
920 Fulton Street (btwn Washington Ave & St. James Pl)Brooklyn, NY 11238
FRANCINE STEPHENS and ANDREW FEINBERG, are thrilled to introduce Marco's into their restaurant family after owning franny's for the last ten years. Andrew and franny love their pizzeria, franny's, yet have been excited about creating a trattoria, true to classic Italian food but nonetheless their very own, this time around, with help from their amazing team that they have been with for years. Welcome Marco's into our community that loves life, traditions old and new, and of course, delicious food.
Martha is the patron saint of hospitality and a dragon tamer. And a restaurant in Fort Greene, Brooklyn.
We're an evolution of The Brooklyn Sandwich Society, from the people that brought you Brooklyn Edible Social Club.
Martha believes in buying produce from her neighbors and cooking it five ways before it's gone. She doesn't like the word "local". She likes duck, Dragon's Tongue beans, and playing dancehall in the open kitchen.
She's a butcher and a gardener and a good dancer.
We can't wait for you to meet her.
184 DeKalb Avenue
Authentic Italian cafe serving local, seasonal and organic sweets and savory gelato. AS GOOD AS NATURE!
L'Albero dei gelati makes gelato and pastries using raw organic materials from local producers and from the finest Italian products. It is also a winery serving wines from biodynamic farms and a variety of cheeses and salumi platters.
341 5th Ave.Brooklyn, New York 11215
Brooklyn Oenology Winery (pron. 'EN-ology', or simply 'BOE'), is a locally focused winery based in Williamsburg, Brooklyn, founded in 2006 by winemaker Alie Shaper. BOE works to bridge the culinary, agricultural, and art worlds by crafting award-winning regional wines from NY State grapes and by displaying the work of New York City artists on their bottle labels.
Notes from owners, Taylor and Harry...
Preparing for our annual New Year's Day Chili Party in 2005, we lamented the lack of a neighborhood kitchenware store. Taylor was tiring of her job as a construction project manager, and Harry a freelancer always up for a new project and adventure was happy to fan the flames of entrepreneurship. At first it was what seemed like a good idea over dinner with friends, but the more we talked about it and got excited about it we decided to go for it. The Brooklyn Kitchen is the result of those ideas.


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Derbyshire have signed South Africa all-rounder Albie Morkel as their second overseas signing for the upcoming Friends Life t20.
Morkel - pictured - joins West Indies batsman Shivnarine Chanderpaul, who is playing for the county in all formats, for a tournament which begins next week.
The 32-year-old, having recently completed a sixth Indian Premier League campaign with the Chennai Super Kings, is due to be available for nine of Derbyshire Falcons' 10 group games.
"We are delighted to bring Albie to Derbyshire. He is an international cricketer with loads of knowledge and experience of limited-overs cricket to bring to our young side," said Derbyshire head coach Karl Krikken.
"His track record with bat and ball is proven and he has played Twenty20 cricket at the highest level all over the world. Our members and supporters can look forward to seeing an explosive batsman who can also bowl with good pace and control, potentially at the death."
Morkel added: "I've always enjoyed the challenge of playing in England and although I initially hadn't considered playing county cricket this season, the timing has worked out well and I am really looking forward to contributing to Derbyshire."


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Wednesday, 11 February 2004
Johnno meets 14 year old Jessica Mauboy in Tamworth after winning the prestigous Road to Tamworth talent search. More from the CMC web site and we thank them for the use of this material.The Road To Tamworth
.and the winner is.....The Telstra Road To Tamworth has travelled across the nation in the past few months to find Australias most talented and aspiring country performers. The final was held at Tamworth on Monday January 19, over 1000 people packed the Cowboys Bar at Wests Leagues Club to see the twenty heat winners sing their hearts out for one of five spots in the grand final. Five lucky performers were selected by the judges to come back the next day and perform in the grand final, these were Aaron Bolton, Jessica Mauboy, Amber Lawrence, Leah Briggs and Josh Canning.It proved extremely difficult for the judges to even chose these five grand finalists, as the quality of talent in this event was second to none.And the winner is....JESSICA MAUBOY from Darwin in the Northern Territoy. 14 year old Jessica won over the judges and 2000 fans at the grand final with her amazing vocal range and promising talent. Saturday Night Country wishes Jessica all the best for the future.
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It worked, obviously. Until Oregon held the ball and bled the clock for the final 9+ minutes of the game to escape Berkeley with a victory. This does not appear to be the kind of tactic Auburn or Boise State will need to try against the Ducks in the title game. [Vid via @Cathryn Tuscow]
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Ouch. Double ouch.


text: Lang, Serge Algebra. 3. ed. (English) Zbl 0848.13001 Reading, MA: Addison Wesley. xv, 906 p. (1993). Summary: The first edition of this standard textbook appeared 1965 (Zbl 0193.34701). -- The author writes in the foreword of the second edition (1984): "In this second edition, I have added several topics, having mostly to do with commutative algebra and homological algebra, for instance: projective and injective modules, leading to an extended treatment of homological algebra, with derived functors, the Hilbert syzygy theorem, and a more thorough discussion of $K$-groups and Euler characteristics; the Quillen-Suslin theorem (previously Serre's conjecture) that finite projective modules over a polynomial ring are free; the Weierstrass preparation theorem; the Hilbert polynomial in connection with filtered and graded modules; more material on tensor products, like flat modules and derivations; etc... -- I have added a number of new exercises, especially in the chapters which are most likely to be of fundamental use, like the chapter on group theory, Noetherian rings, Galois theory, and tensor products." In the foreword of the present third edition the author adds: "After almost a decade since the second edition. I find that the basic topics of algebra have become stable, with one exception. I have added two sections on elimination theory, complementing the existing section on the resultant. Algebraic geometry having progressed in many ways, it is now sometimes returning to older and harder problems, such as searching for the effective construction of polynomials vanishing on certain algebraic sets, and the older elimination procedures of last century serve as an introduction to those problems. Except for this addition, the main topics of the book are unchanged from the second edition, but I have tried to improve the book in several ways. First, some topics have been reordered. I was informed by readers and reviewers to the tension existing between having a textbook usable for relatively inexperienced students, and a reference book where results could easily be found in a systematic arrangement. I have tried to reduce this tension by moving all the homological algebra to a fourth part, and by integrating the commutative algebra with the chapter on algebraic sets and elimination theory, thus giving an introduction to different points of view leading toward algebraic geometry". Cited in 4 ReviewsCited in 173 Documents MSC:13AxxGeneral commutative ring theory13-01Textbooks (commutative algebra)14A05Relevant commutative algebra13DxxHomological methods (commutative rings)12-01Textbooks (field theory)15-01Textbooks (linear algebra)16-01Textbooks (associative rings and algebras)18-01Textbooks (category theory)20-01Textbooks (group theory)00A05General mathematicsKeywords:injective modules; $K$-groups; projective modules; Hilbert syzygy theorem; Quillen-Suslin theorem; Hilbert polynomial BibTeX


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FCI Recruitment 2011 Online Application for FCI Jobs 2011 Food Corporation of India notification
Recruitments 2013
Kranthi Kiran
Member Level:
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Get the details about the FCI Jobs also know as the FCI category 2 posts in Food Corporation of India. Recruitment notification of FCI 2011 is given is employment news. Details about FCI 2011 notification, FCI online application, FCI recruitment 2011, Last date for FCI recruitment 2011 is mentioned below.
FCI Recruitment 2011 Online Application for FCI Jobs 2011 Food Corporation of India notification
Food Corporation of India is inviting the online applications for the jobs given below. Only Indian Nationals who fulfill the prescribed qualifications, experience and age etc are eligible to apply for the posts mentioned below.
How candidates are selected for FCI Jobs 2011
: The Selection process for Food Corporation of India jobs is through written test and interview. The candidates who cleared in written test are called for interview.
Written examination of FCI recruitment 2011 : 03.04.2011
Application form details of Food Corporation of India FCI 2011
• Demand Draft of Rs.400/- should be paid in favor of Food Corporation of India, payable at New Delhi.
• Fill the
online application form of FCI 2011
which can be found in official website which is mentioned below. Application fee is not required for SC/ST and PH candidates
• Take a printout of the filled form and send to the address mentioned.
Last Date for receipt of online application : 07.02.2011
What posts are available in Food Corporation of India FCI 2011
1. Deputy General Manager( Accounts) : 03 Posts - Pay Scale : Rs.24900-50500
2. Deputy General Manager (General Admin.) : 26 Posts - Pay Scale : Rs.24900-50500
3. Deputy General Manager (Electrical /Mechanical) : 01 Post - Pay Scale : Rs.24900-50500
4. Assistant General Manager (Accounts) : 21 Posts - Pay Scale : Rs. 20600- 46500
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8. Assistant General Manager (General Admin.) : 58 Posts - Pay Scale : Rs. 20600- 46500
9. Medical Officer : 03 Posts - Pay Scale :Rs.9700-280-15860
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Sage Peachtree Complete Accounting 2012 Multi-User Edition PC - PCWM2012RT
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CVR Energy To Issue 2012 Second Quarter Earnings On August 1 Followed By An Executive Conference Call August 2 At 2 P.m. Eastern
SUGAR LAND, Texas, June 20, 2012 /PRNewswire/ -- CVR Energy, Inc. (NYSE: CVI) today announced that it will release its second quarter 2012 results on Wednesday, August 1, after the close of New York Stock Exchange trading. Chief Executive Officer Jack Lipinski and other executives will host a teleconference call for analysts and investors on Thursday, August 2, at 2 p.m. Eastern time. (Logo: http://photos.prnewswire.com/prnh/20071203/CVRLOGO)The Earnings Conference Call will be broadcast live over the Internet at http://www.videonewswire.com/event.asp?id=87858. For investors or analysts who want to participate during the call, the dial-in number is (877) 407-8291. For those unable to listen live, the Webcast will be archived and available for 28 days at http://www.videonewswire.com/event.asp?id=87858. A repeat of the conference call can be accessed by dialing (877) 660-6853, replay account 314, replay ID 396302. CVR Energy's second quarter 2012 earnings news release will be distributed via PR Newswire and posted at www.CVREnergy.com. About CVR Energy, Inc. Headquartered in Sugar Land, Texas, CVR Energy, Inc.'s subsidiary and affiliated businesses operate independent refining assets in Coffeyville, Kan. and Wynnewood, Okla., with more than 185,000 barrels per day of processing capacity, a marketing network for supplying high value transportation fuels to customers through tanker trucks and pipeline terminals, and a crude oil gathering system serving central Kansas, Oklahoma, western Missouri, southwestern Nebraska and Texas. In addition, CVR Energy subsidiaries own a majority interest in and serve as the general partner of CVR Partners, LP, a producer of ammonia and urea ammonium nitrate, or UAN, fertilizers. For further information, please contact:
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NewsOK Blogs / Thirsty Beagle
College-colored beer cans crossing the line?
I came across this report in the Wall Street Journal today. Universities across the country are all kinds of fired up over Bud Light's release of Fan Cans. The cans contain the Bud Light logo, but come in "team colors." So it's orange and black cans for OSU, purple and yellow for LSU, maize and blue for Michigan, etc. Bud is selling the corresponding cans near college campuses. According to the report, at least 25 schools — Oklahoma State included — have demanded Bud stop the campaign near their campuses.


text:
Pvc Princess by Dahlia-DubhWatch
©2011-2016 Dahlia-Dubh
locked one night at 4am
Dream girl material
Very pretty photo
WOW! Shiny shiny pretty pretty!
Hahaha thank you
dont know why but i like this one. I think the eyes have it. Pity your in Ireland I need someone to model my corsets lol
Best wishes
Best wishes
Thank you very much for the llama
Aw that is a pity, I do love corsets just a little bit
Do you not ship to models at all on a deposit basis ?
Aw that is a pity, I do love corsets just a little bit
Do you not ship to models at all on a deposit basis ?
too... ... I mean, you're beautiful and this photo is excelent :>
I wish my friends looked like this.
i am speechless you look amazing and its always good to see someone else
from Ireland
from Ireland
Aw thanks very much
great shot
Beautifully captured you can't beat abit of pvc (how ever small) in the early hours
so sexy! D:
I really like your hair like that
Aw thanks love, so do I! It's from last year and all that bleaching resulted in massive hair breakage so i have black hair now and its *almost* that length again
Aw, sorry for your hair! But you look awesome with black hair too
lol!! It was my own fault, was bleaching it myself (which I should not be trusted to do lol) Thanks hun
Er, I never bleach my hair myself, I think I would burn it XD
Yup thats what i did ! Though my hairdresser is going back to Canada in Dec.Dunno what I'm gonna do without her when she's gone!!
Nice piercin'
Great makeup and...
Great one! \m/
Great makeup and...
Great one! \m/
totally remind me of a way fuckin hotter Elisha Cuthbert from the girl next door!
Looking awesomely sexy
Love the tat
Love the tat
cool pic. I love it!
That tattoo is so beautiful, almost as much as you.
love this
All I have to say is u r very pretty,wish i looked like u
love the tattoos!


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John Simpson replaces PR Kawasaki-bound Hudson Kennaugh at Splitlath Aprilia for the Cadwell Park round.
What has he done to deserve that ride, poor sod!The way they are going I might get a letter offering me a ride soon and I don't even hold a solo license for racing.Still if the offer comes, I will gladly turn it down.
Surprised they haven't offered me the ride yet. I have watched bike racing now for a few years, so I must be getting near the top of the list.
I think people ought to get off this teams back their there, trying and people are getting the chance to have a go at BSB because of it.For some riders it may be the only chance they get.Good on em I say there are probly other riders more qualified ie with 1000 experience I'd prefeer have a chance but there you go. I think to many internet critics sit there expecting nothing less than FullFactory perfection, wake up its BSB the riders struggle to pay and the teams do the same all you guys do is watch and be entertained. You have luck if all the teams you lot witch hunt did leave it would be a very boring sport.
Totally agree with the above.If any of you think you can do a better job paying for and running a BSB team then GO DO IT..instead of sniping from the sidelines,,,For all we know Splitlath might not have much financial resources but they turn up year in+year out and put bikes on the grid to support the series....Fair play+respect to them.
I'm surprised there is no mention of the fact that Splitlath Aprilia have just purchased two Kawasaki ZX10R's (source MCN today).
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IN FOCUSSubmitted by admin on Wed, 10/28/2015 - 11:17
Dr. Florencio F. Padernal
Civil Engineer, Manager, Entrepreneur, Educator
The Professional Regulation Commision (PRC) awarded Dr. Florencio F. Padernal, DPA, as Most Outstanding Civil Engineer of 2015 during its 42nd Founding Anniversary and in celebration of the Professional Regulation Commision Week on June 18, 2015 at Fiesta Pavilion of the Manila Hotel.
Dr. Florencio F. Padernal is currently the Administrator of National Irrigation Administration (NIA) which he held since July 2014. Prior to this government position, Dr. Padernal has also held various significant positions in the private sector.
He was past Chairman and Chief Executive Officer of Padernal Construction Co., Inc. (PCCI) which he started in 1993. He was engaged in contracting and construction of socialized houses, townhouses, medium-rise condominiums and apartments, hotels, roads, bridges, flood control structures, water supply facilities, land development projects, and property management. He was also Chairman and President of Test Consultants Inc., a company established in 1968. Test is one of the leading environmental and engineering consulting companies in the Philippines.
Dr. Padernal is a Civil Engineer who specializes in the fields of project/construction management, master and development planning, institution and capability building, and engineering while working for several institutions mainly in the Philippines, China, Mongolia, and Switzerland. He also specializes in public administration, having earned the degrees of Masters Degree in Business Administration in 1977, and Doctor of Public Administration in 1981.


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Editor's Note: This information is taken from open court records and is a matter of public record.
The listings are complete.
The newspaper, as a matter of fairness, will not honor requests to omit any listing.
For additional information on this column or questions, call 236-5178, ext. 213.
Land Transfers
These land transfers were recorded July 22-Aug. 3 in the office of Gerald Goad, clerk of the Carroll County Circuit Court, Hillsville:
The Fisher Peak chapter of The Friends of the Blue Ridge Parkway is seeking new members in their effort to preserve one of this area's most prominent landmarks and the nation's most-visited national park.
The group also works to educate the community and promote fellowship through its many resources.
By LARRY CHAMBERS, Staff
HILLSVILLE – A Hillsville man was indicted on two weapons charges Monday by a Carroll County Circuit Court grand jury that met in Hillsville.
The grand jury indicted 52 people on a variety of charges, including several drug and shoplifting violations.
Anthony Lee Quesinberry, 55, was indicted on one count of making a material false statement on a federal transaction form required for a firearms purchase.
Other indictments handed down by the grand jury included:
By LARRY CHAMBERS, SHAINA STOCKTON and SHANNON WATKINS, Staff
A man wanted for allegedly shooting two people in Grayson County on Sunday morning was caught in the early hours of Monday morning in North Carolina, after wrecking his car during a police chase.
One of the shooting victims, Karen Cates, 41, died.
Staff Report
There were two felony arrests last week in the city, according to a report issued by Galax Police Chief Rick Clark.
Joshua Tyrone Coletrain was arrested on March 14 at 8:48 p.m. by Sgt. Jody Poole on an outstanding warrant from Carroll County. Subsequent to his arrest, Poole discovered Coletrain to have quantity of methamphetamine on his person.
He was charged with felony possession of drugs and is being held in the New River Valley Regional Jail without bond.
A citizen recently spoke to Galax City Council about what she felt was the unsatisfactory condition of the sidewalk on her street.
Diane Bermingham said last month that she and her husband moved to Galax from Fredericksburg and brought her 82-year-old mother with her. Bermingham lives on Parkwood Drive; her mother lives five doors down, she said.
Groundhog says
It's been an early spring. The birds are chirping. The turkeys are hollering. The grass is greening up. I think it's maybe here to stay, but don't forget the ground hog. We only have six more weeks of bad potholes.
Staff Reports
A man wanted for shooting two people in Grayson County on Sunday morning was caught early Monday morning in North Carolina, after wrecking his car during a police chase.
One of the shooting victims, Karen Cates, died.
Galax Police Chief Rick Clark issued a statement Thursday morning saying that, "a person of interest has been identified, but no arrests have been made at this time" in the March 10 double homicide of Alyssa Kenny, 28, and her daughter, Anastasia Alley, 21 months.
By SHAINA STOCKTON and LARRY CHAMBERS, Staff
INDEPENDENCE – The Grayson County Sheriff's Office moved to its new home at the Grayson County Grubb Public Safety Building in Independence last Wednesday.
Copyright © 2016
The Galax Gazette is your source for local news, sports, events and information in Galax, Grayson, Carroll, and surrounding areas.


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aww. I'm totally shipping them!
This is soooooooo CUTE! <3
This reminds me the part in a sailor moon movie
I can't help but laugh at N's reaction lol
aww cute
"He looks happy" Rofl he looks like the happiest person on Earth to me.
So cute now I love this couple too!!
I need to hang out with my brother more often...
Hue hue hue hue! xD
N:c-chocolate?? chocolateeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
totaly love her reaction in panel 3 xDDDDD part 2?
Random cuteness
whats happening
ding ding ding ding ding
congratulations ur N has evolved in NERO
Nero: CHOCOLATEE¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡
ding ding ding ding ding
congratulations ur N has evolved in NERO
Nero: CHOCOLATEE¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡
This is wonderful
MUST... BE... PART TWO!! awesome........
N i loved you in the game when i played as hilda alias me
marry me!!!!!!!
marry me!!!!!!!
I developed a crush on N when I was playing the Pokemon Black game and I still like him
Me too i was sad when he left and then my brother came: yeah he is in prison for flying on a legendary pokemon
Poor N, growing up without chocolate. How did he survive?!?! lol
Cute Manga
Cute Manga
cute ^-^
Aw! Touko gave N his very first piece of chocolate!
omg so kul thats nice
Is this after or before the dream sequence?
Leafeon guesses it's before because she's blushing to much
Leafeon guesses it's before because she's blushing to much
His innocence always kills me
wow. this went in a different direction than i thought. i didnt usually like N. mainly because i was jealouse of his ability to communicate with pokemon.
lol i love you white and N art so much
what if on Easter i gave him a huge chocolate bunny?what would he do then?XD
Who's never tasted chocolate? That's so sad.
This is amazig it is so cute, i love it ><
LOL N has never had Choco before and I agree with him it's very tasty!
Lol! N's face in the second to last panel! X'D
Chocolate - it's good for anything.
Oh, and I love the last panel C:
Lmfaoo I can't XD Only N smh (:
Poor child. Deprived of pretty much everything pffffft
Poor child. Deprived of pretty much everything pffffft
N so cool!
Awww!!! That's soo cute!


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Bigelow Green Tea with Blueberry 20-Count Boxes (Pack of 6)
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Product Overview
Bigelow Tea Green Tea Wild Blueberry and Acai - 20 Tea Bags (1.18 oz. / 33 g) Bigelow Tea Green Tea With Blueberry has a delicate flavor and healthy antioxidants. Mother Nature gave us a wonderful gift when she packed beneficial antioxidants into Green Tea - powerful combatants that protect the body's healthy cells from billions of naturally occurring "free radicals," unstable molecules that when left unchecked, may lead to a host of degenerative diseases. Studies show that drinking 2-3 cups of tea per day may improve your chances of fending off these invaders. Linger over a cup just once, and you'll know that Bigelow Green Tea with Bluebery, rich in antioxidants with less caffeine than black tea, is like no other. The exciting taste of blueberry is masterfully blended with the delicate green tea before wrapping each tea bag in its own protective pouch to seal in all the wonderful flavor and freshness. The satisfying, toasty notes of Bigelow Green Tea are what set it apart from all others. The delicate brew naturally contains healthy antioxidants and an average of only 25-50 mg caffeine per 8 fl. oz. serving. From English Teatime to Pomegranate Green, Bigelow has many wonderful teas for you to enjoy. And, most importantly, each and every tea bag is overwrapped and sealed in a stay fresh foil packet so that all the goodness is protected until you get ready to have a cup of tea. History of TeaFrom Buddhist monks using it in their religious ceremonies to American revolutionaries tossing it in to Boston Harbor, tea has become more than a beverage; it has become an event. For nearly 5,000 years this drink has been a source of medicine, meditation, piracy, political upheaval, social order, congregation, and superstition. While the roles tea has played in Eastern and Western civilization are abundant, it is derived from a plant native to Central and Eastern Asia. Botanically, the tea they drink is of the genus camellia and the species sinesis.
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The cause of a fire that broke out late Monday morning in southwest Bartholomew County remains under investigation.
The ranch-style rental home at 10060 W. Spray Road had been vacant for a year-and-a-half, said Southwest Fire Department spokesman Wayne Freeman.
The 10:54 a.m. fire northeast of Waymansville began in a former master bathroom that had recently been converted into a bedroom, Freeman said.
While the flames were confined to one room, smoke damage was reported throughout the home, Freeman said.
The fire was reported by a friend of two brothers — Jeff and Andy Gregg — who had recently purchased the house as an investment, Freeman said.
A dollar estimate on the damage was unavailable Monday afternoon.
Southwest volunteers were assisted at the scene by firefighters from Wayne, Harrison and Columbus townships.


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Boss of Moss sandwich is absolutely delicious!
Just showed up here & it was closed with no notice.
Best deli for miles
They have the best chicken salad!
Really great sandwiches!!!
Spa salad has everything you need (but coffee!)
Chicken salad to spa salad, you won't be left hungry! Freshness at its best
Next time you get a breakfast sandwich skip the white or wheat and go straight for the fresh baked cranberry walnut bread! Perfect compliment to any breakfast sandwich.
Use your Memphis City Saver coupons to receive one free Large Cowboy Coffee, or receive $3 off a pound of regular priced Cowboy Coffee.
Use your City Saver coupon and enjoy a cup of coffee. www.citysaver.com
Try the Boss of the Moss!
Great place for breakfast or lunch. Their sandwiches are not to be missed!
Yummy cranberry walnut bread. Take home a loaf
chocolate oatmeal cookies THEY ROCK
Get the veggie omlette with egg whites!
Boardwalk Empire is a great show.


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Composer and musician available for freelance mod and general media work. Bespoke and previously written music available for any project. Please get in touch and we can start this beautiful ball rolling.. Paul Graham
So...Ive recently added lots of new tracks to my Sound-cloud account and website and would love some feedback. If you could spare a few minutes could you all visit..
Any serious indie developers out there? Give me a shout.
Many thanks!
Paul Graham
No blogs were found matching the criteria specified. We suggest you try the blog list with no filter applied, to browse all available. Join now to share your own content, we welcome creators and consumers alike and look forward to your comments.
Thanks for the soundtracks so far for The Forgotten Ones! Your music is very impressive and gives great atmospheric feeling!
You are a god of music.
Nice music, talk to the guys at sins of a generation for a job, last I heard (ex member here) they are still wanting a composer. All the best.
Very nicely done! I like your style sir.
Will reply to your email, Riot! Thanks!


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would you praise this as good even though the lineart is poor and the coloring is bad and it not very creative in the slightest would you ? i purposely drew this badly to see if any of you would praise this even though it looks like carp because whats the point of being on a art site if NO ONE GIVES CRITICISM . ever considered these people might not improve but instead get a ego the size of texas out of it due to the fact they now think there better than everyone due to people praise them consistently due to they have special little effects and have ponits or there popular . if someone wants to improve on art they needs negative and positive criticism not everyone saying good job all the time . if you want to be an artist LEARN TO TAKE CRITICISM because it will get you into more trouble than you will ever know if you dont
Lolz, I see plenty of flaws, and it is an unoriginal pose....BUT IT'S CUTE XD
Yeah, original but cute
did you read what i said -_-
but she does look pretty cute
the porportions (witch i can't spell) are off though
the porportions (witch i can't spell) are off though
i know XD thank you for actaully criticizing me XD
i love it its so cute lD *is totally praising it man


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The Platts Follow-the-Sun series will offer updated sets of all Platts regional refined products curves at the close of trading in their region with updated assessments in the two other major markets around the world. The Asia curves will be restated at the London close and then again at the New York close. Similarly the EMEA curves will be restated at the New York and Singapore closes, as will Americas be restated at Singapore and London closes.Extended Time Horizon For Americas Forward Curves
Platts Begins Follow-the-Sun Forward Price Curves In Oil And Expands Americas Oil Forward Curve Offering
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DEBKAfile Special Report August 12, 2015
New rules of engagement were handed down Tuesday, July 11, to the Israeli military, police and Border Guard units serving in Judea and Samaria, effectively prohibiting them from shooting Palestinians found hurling firebombs, carrying out knife attacks or other acts of terror. Security forces are restricted henceforth to firing in the air, except when their own lives are in danger. debkafile: The new rules are designed to curb the rising death toll of Palestinian terrorists engaged by Israeli troops. But some senior officers fear they will lead to more Israeli casualties.
DEBKAfile Exclusive Analysis July 7, 2015
Monday, July 6, IDF Chief of Staff Lt. Gen. Gady Eisenkott unveiled Israel's answer to the rising ISIS threat nearing its gates: the new Commando Brigade. An amalgam of four elite units, it is designed for quiet, bold, covert and effective action against terrorist groups posing a threat in the Sinai Desert to Egyptian sovereignty and Israel's southern border. Such action would be coordinated closely between Israeli and Egyptian military and intelligence arms. There would be similar operations if necessary from Israel's northern border – against Hizballah or any threat from Syria.
DEBKAfile Exclusive Report July 6, 2015
The heavy fighting between the Egyptian army and Islamic State in northern Sinai evolved by its sixth day into an asymmetrical contest. debkafile: By Monday, July 6, the Egyptians were depending heavily on Apache helicopter air strikes to fight off the Islamist terrorists, who were using guerilla tactics to send foot soldiers to strike by night and mount ambushes by day. The Apaches strike any moving object. ISIS has lost 241 men since July 1, but can keep going in the long term thanks to a constant influx of manpower and war materiel.
Israeli and Syrian Druze join forces - complicating Israel's military position vis-à-vis southern Syria
DEBKAfile Special Report June 23, 2015
When Israel spokesmen stated the IDF does not assort by organization injured Syrian rebels reaching the Golan border for treatment, they found that Druze serving in Israel's armed forces and others living in Golan villages knew better. The two groups were so incensed by such past evasions, that they came together for violent action – hence the attacks Monday, June 22, on two IDF ambulances ferrying injured Syrian rebel fighters to hospital, whom they identified as members of the hated Al-Qaeda-linked Nusra Front.
DEBKAfile Special Report June 23, 2015
Monday night, June 22, a Druze mob from the Golan village of Majdal Shams ambushed an Israeli ambulance carrying seriously injured Syrian rebel fighters to hospital, seized the vehicle and beat them up. They attacked Israeli troops who tried to intervene. One Syrian died in hospital; the second is critical. Also Monday night, in South Syria, rebel groups fell out and started killing each other. In this highly heated atmosphere, the Druze issue is being pulled into the roiling heart of the Syrian conflict. The fallout is slipping over into Israel.
ISIS purloined rockets from Hamas production lines to attack Israel. Netanyahu marks out wide sterile zone
DEBKAfile Exclusive Report June 8, 2015
Islamic State operatives in the Gaza Strip have been helping themselves to Hamas rockets in recent weeks after furtively penetrating the teams operating the group's production and assembly lines, debkafile reveals The jihadis then passed the stolen rockets to their squads for launching against Israel. These attacks will intensify the deeper the Islamists' penetration of Hamas plants and their access to ever more advanced, long-range missiles. Israeli, Egyptian and Hamas attempts to stop the rocket attacks hit the wrong address. Israel has marked out a broad sterile zone.
DEBKAfile Exclusive Report April 30, 2015
Fear of ISIS drove the hitherto neutral Syrian Druzes into seeking support from Assad. He turned them over to the Revolutionary Guards and Hizballah who recruited them as Hizballah fighters and terrorists against Israel.
DEBKAfile Exclusive Report April 20, 2015
Local reports of mysterious underground explosions in northern Israeli locations on the Lebanese border are confirmed by Israeli troops on field exercises in the neighborhood. They attest to heavy earthmoving equipment, explosions, burrowing and shaking ground on the Lebanese side of the border, giving the area the appearance of a huge subterranean building site. debkafile: Hizballah has undoubtedly taken a leaf out of the Hamas book of terror and mobilized fully and efficiently for a major tunnel-building project. Israel seems curiously passive in the face of its enemy's dangerous enterprise.
DEBKAfile Exclusive Report March 10, 2015
Acting on direct orders from Palestinian Authority Chairman Mahmoud Abbas, Palestinian special forces raided all nine PA-ruled West Bank towns in the past 48 hours and detained 500 Hamas suspects, debkafile reports. Abbas ordered the operation because he had discovered that Hamas had been hatching a plot for some weeks to stage an armed uprising against the Palestinian Authority, starting in one of the Palestinian towns – possibly even the PA capital of Ramallah – and assassinate him in the process.
DEBKAfile Exclusive Report February 18, 2015
Scores of Iranian and Hizballah fighters and a Syrian general were killed by "friendly fire" from the Syrian army's 9th Division's artillery and missiles Wednesday, Feb. 18, debkafile report. The incident, during their push from S. Syria to the Golan is attributed to faulty coordination among the assorted forces in the drive for Quneitra, where Tehran plans to establish a major military outpost and forward command center up against Israel's Golan deployment. This is the first instance of Syria's Bashar Assad agreeing to pass a warfront to Iranian command.
DEBKAfile Exclusive Report February 12, 2015
Egypt has joined forces with Israel to fight the spreading Islamist terror which is escalating on three fronts from Libya to Sinai and from Suez to the Delta. Israel is contributing advanced military drones.
DEBKAfile Exclusive Analysis January 28, 2015
Iran's Lebanese proxy, Hizballah, used five anti-tank rockets and roadside bombs for an ambush which killed at least two IDF servicemen, an officer and a soldier, traveling in unarmored vehicles opposite Kfar Ghajar Wednesday, Jan. 28, debkafile reports. Seven soldiers were injured. The IDF notice did not specify the officer's rank or the group's mission in the area. Due to the convoy's careless security, Hizballah and Iran scored three points in this attack. Israel's armed forces must now pull out all the stops to recover respect for its deterrent capacity.
IDF pulls units from locations bordering Gaza, ignoring rising Egyptian military and al Qaeda activity
DEBKAfile Special Report January 4, 2015
Israel's military refers to Hamas in terms of an independent entity confined to the Gaza Strip, when as recently as December, Hamas' jumped aboard the Iran-led Iraqi-Syrian-Hizballah alliance. It is now subject to Tehran's decisions, which may also touch on the moves dictated by President Obama. Israel's policy, furthermore, of relying on the Egyptian army to grapple with Al Qaeda's Sinai network also comes at a price. For Egypt has moved into Sinai with Israel's quiet consent one and a half divisions, fighter squadrons and tank battalions. That's just for starters.
DEBKAfile Exclusive Report December 17, 2014
The Syrian rebel Yarmouk Shuhada Brigades, backed and trained in Jordan for two years by US officers and supported by the Israeli army, has abruptly dumped them and switched to the Islamic State in Iraq and Syria, debkafile's exclusive sources reveal. This sudden defection leaves IDF defense formations on the Golan, US and Jordanian deployments in the northern part of the kingdom, and pro-Western rebel conquests in southern Syria in danger of collapse. ISIS gains direct access to a long section of Israel's Golan border with Syria.
DEBKAfile Exclusive Analysis December 1, 2014
Prime Minister Binyamin Netanyahu preferred Maj. Gen. Yair Golan for the top IDF post to Maj. Gen. Gady Eizenkott, whose appointment was announced Nov. 29. He was dissatisfied with the performance of retiring Chief of Staff Benny Gantz and his deputy Eizenkott in the Gaza campaign, as wanting in assertiveness and the operational and tactical capabilities required for countering Hizballah's plans to take the coming war forecast for the spring onto Israel's home ground. Netanyahu hopes Gen. Golan as Deputy C-of-S will make up for those deficiencies.
DEBKAfile Exclusive Report September 9, 2014
The Israeli government has radically changed tack on Syria, reversing a policy and military strategy that were long geared to opposing Syrian President Bashar Assad, debkafile reports exclusively. This reversal was prompted by the increasing preponderance of radical Islamists among the Syrian rebels fighting Assad's army in the Quneitra area. It calls for a delicate balancing act. While loath to see Assad winning the Syrian war, Israel has no desire to have Al Qaeda's Syrian branch, Al Nusra, sitting just across the Golan border in control of Quneitra.
DEBKAfile Exclusive Report August 31, 2014
debkafile reports exclusively that the UAV an Israeli Patriot battery shot down Sunday Aug. 31 over Quneitra on the Golan was launched by Hizballah – not Syria as reported. The Iran-made Ababail 2 was on a photography and intelligence-gathering mission over the Golan battleground, where the Syrian army and rebels are fighting over the Quneitra crossing. It is estimated that Hizballah was not planning to join the battle, but rather concerned in case the rebels beat back Syrian troops and broke through from northern Golan to Mt. Hermon and southern Lebanon.
DEBKAfile Exclusive Analysis August 28, 2014
The battle for Quneitra has no real military importance for the Syrian conflict at large, says debkafile. The Syrian army, helped by Iran and Hizballah, is winning and the rebel side crumbling. However, integrated in the rebel contingents fighting for Quneitra, with US, Israeli and Jordanian backing, are Al Qaeda's Nusra Front fighters and its Sinai arm, Ansar Beit Al-Madis, which works hand in glove with Israel's foe, the Palestinian Hamas. When a black Al Qaeda flag flies over Quneitra 200 m from its Golan border, Israel will face a new dilemma.
Israeli air strikes reduce Gazan high-rise towers to dust, while Israelis flee in droves from Hamas fire
DEBKAfile Exclusive Analysis August 25, 2014
Community leaders of 40,000 dwellers of the dozens of kibbutzim, moshavim and small towns adjoining the Gaza Strip spoke out Monday, Aug 25:" It is no longer possible to hide what is going on. The populated front line facing the Gaza Strip is no more." Some bluntly blamed this fiasco on Prime Minister Binyamin Netanyahu and Defense Minister Moshe Ya'alon and their management of the operation against Hamas. Attesting to an untenable situation, they juxtapose Gaza buildings reduced to dust by Israeli air strikes against Negev communities made refugees.
DEBKAfile Exclusive Report August 23, 2014
Both sides were preparing Saturday night, Aug. 23, for an impending battle on Gaza Strip soil, debkafile reports. Heavy IDF ground forces were poised ready to enter the territory – initially to demolish Hamas's short-range rocket and mortar launchers, which have disrupted the lives of neighboring Israeli communities and forced their mass evacuation. The Palestinian extremists escalated their blitz in the last 48 hours as a provocation, daring the IDF to send in the forces massed around its borders, while preparing terrorists brigades in tunnels and suicide fighters for ambushes.


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Bucks reject Pistons in big way
The Bucks used a 40-point third quarter to cruise past the Detroit Pistons, 108-91, in a preseason game Saturday night at the BMO Harris Bradley Center.
Ersan Ilyasova scored 18 of his team-high 22 points in the quarter. Point guard Brandon Jennings added 17 points for Milwaukee (2-0).
The Bucks led at halftime, 55-46, as Jennings scored all 17 of his points in the opening half. But he added six assists in the third quarter to fuel the Bucks as they outscored the Pistons, 40-26.
"Our problem (has been) not starting the third quarter very well as a team," Jennings said. "Hopefully that changes this year, the fact we need to come out more aggressive."
Milwaukee shot 60% from the floor (15 of 25) in the period, with Ilyasova going 7 for 7 and Monta Ellis hitting 3 of 6 shots.
Rookie Andre Drummond paced the Pistons (1-2) with 19 points and 10 rebounds and former Bucks player Corey Maggette added 14 points.
The Bucks blocked 14 shots, giving them a two-game total of 22 blocks.
Larry Sanders, who started at center, blocked five shots and rookie forward John Henson and Tobias Harris each had four.
"We're going to try to set an NBA record this year," Sanders said. "When you get guys like Tobias involved and John .. I think we're coming along pretty well.'
The most spectacular block of the night came late in the second quarter when Sanders went high to deny Detroit guard Brandon Knight at the rim. The play led to a Bucks rebound and two foul shots by Ilyasova.
"I want guys to keep coming in there and trying," Sanders said. "I encourage that. I accept the challenge and I'm not afraid to jump."
Henson and Samuel Dalembert each finished with 12 points, Ellis had 11 and Mike Dunleavy added 10 for the Bucks.
The Pistons shot just 39.1% from the field (34 of 87) but coach Lawrence Frank liked the performances from the 6-10 Drummond and 6-6 Kim English. Drummond was the ninth pick in the June draft and English was 44th overall.
"Both Andre and Kim had positive performances," Frank said. "Both of these players are building blocks for us."
Bucks coach Scott Skiles was able to use non-roster players Eddie Gill, Orien Greene and Alando Tucker in the closing minutes of the game. Tucker, the former Wisconsin star, hit the only shot he took.
Harris again started at small forward and had four points and four assists in addition to his four blocks, while playing 18 minutes.
- Giannis finishes third in NBA most improved player voting
- Bucks Podcast: Wrapping up the 2015-'16 season
- Bucks lose draft tiebreakers; hold 10th spot
- Upbeat Plumlee says he wants to return to Bucks
- Middleton honored with PBWA award
- Retiring ref Joey Crawford did it his way
- Middleton back in Bucks lineup; Monroe rests
- Corey Robinson is guest anthem singer for Bucks-Bulls
- Rookie Rashad Vaughn gets first pro start
- Long wait ends for Vasquez as he returns in Bucks victory


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Prince's Sister Tyka Nelson Storms Out of Family Meeting. Why?
- 10:57 AM, Apr 29
The Book of Mormon Opening Night - Arrivals
Photo credit: FayesVision / WENN
To fit your screen, we scale this picture smaller than its actual size. The original picture size is 735x1000 pixels and this photo has been viewed 752 times since September 12, 2012


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My husband and I are looking for health insurance for our LO who is 13 months. I'm a stay-at-home mom and my husband's health insurance through his job is ridiculously expensive even for the highest deductible possible. We've looked at family plans through private insurance but my husband and I both have pre-existing conditions (he's 6'4 and 315 pounds and that's considered 'obese' therefore it's a pre-existing condition, ridiculous....). My husband earns too much for us to qualify for Medicaid and PeachCare here in Georgia for her. Most of the private insurane plans we've seen so far will only cover her if a parent is on them with her.
Anyone have any reccommendations for us? We're trying to find something before here next well visit in February or else we'll just have to see if her doctor will let us pay out of pocket.


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Maritime Today
The Maritime Industry's original and most viewed E-News Service
Great Lakes Announces $55 Million in Subcontract Work in the Middle East and Award of $38 Million for a Domestic Coastal Protection Project
Great Lakes Dredge
Olympic Shipping has secured a contract for Olympic Delta, an inspection, maintenance and repair (IMR) vessel, with an international client to work on a renewable energy project.
Port congestion eases at Basra and Chinese ports; tanker demand set to expand on lower oil prices.
Freight rates for very large crude carriers (VLCCs), hurt by slower-than-usual release of cargo,
An Italian merchant ship rescued 26 migrants off the coast of Libya in rough seas and others were feared missing, the Coast Guard said on Saturday.
The Coast
The 60-foot fishing boat Paulo Marc was towed by the crew of U.S. Coast Guard Cutter Moray after the fishing vessel became disabled Wednesday about 90 miles east of Portland, Maine.
The U.K. Coastguard is searching for the crew of a sunken fishing vessel near St David's Head, Pembrokeshire.
The Coastguard said it received a 999 call from


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Good morning Preggos!!!!
Hopefully you are not baricaded in your homes from all the snow so you can go get some well deserved shopping done.
!Rainbow Baby BOY due 3/10/2013!
Looks like my Give A Shit button broke.
So I've been feeling kinda funky for a couple of days...just nauseous and achy and today at work, every time I got up to go the bathroom, I was getting lightheaded. I left work an hour and half early and came home and made tea and put on my pj's and laid down. I just decided that maybe I should check my BP since I was getting lightheaded earlier. My normal BP is around 100/60 ish. My cuff just read it at 85/51...is that still ok? I've never had any problems with it before, so i don't really know. I feel okay right now.
me adn my uybns both are O+ so al of our children will be too.
Children get the blood typefrom one fo thier parents
If you can read that ^^ you are a fucking Genius!!
me adn my husband * lol
If you can read that ^^ you are a fucking Genius!!
Mind your own biscuits & life will be gravy.
Thanks abri...I'm drinking water and trying to lay down and I feel ok now, but if I still feel funky in the morning, I'll call. I'm not really freaking out about it because it's gone pretty low before and I've been fine (my dad has really low BP, too) so we shall see how i feel tomorrow morning. Thanks again.
Good luck Monster! I remember sitting on the floor in DS's room for HOURS several nights in a row those first few days while he SCREAMED about it. I finally duck taped the side of his crib to his bed and he was COMPLETELY fine after that....and I took it down after about a week. He could get out of it still...but he was fine after I did that, I don't get it.
Sorry Jene! That's pretty darn low! If you start feeling poorly again I'd call!
Megan + DH = Kaiden 6/6/10 + Konnor 3/1/13