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Skip to comments.The Feds Want Your Retirement Accounts
Posted on 02/22/2013 5:57:57 AM PST by radioone
Quietly, behind the scenes, the groundwork is being laid for federal government confiscation of tax-deferred retirement accounts such as IRAs. Slowly, the cat is being let out of the bag.
Last January 18th, in a little noticed interview of Richard Cordray, acting head of the Consumer Financial Protection Bureau, Bloomberg reported "[t]he U.S. Consumer Financial Protection Bureau [CFPB] is weighing whether it should take on a role in helping Americans manage the $19.4 trillion they have put into retirement savings, a move that would be the agency's first foray into consumer investments." That thought generates some skepticism, as aptly expressed by the Richard Terrell cartoon published by American Thinker.
(Excerpt) Read more at americanthinker.com ...
And I want theirs. Along with their lifetime healthcare benefits, their security, their vacations and their lazy lifestyle.
Guess I'll have to wait for that 2 year gig in Congress before that will happen.
Another item sufficient to anger the populace into action.
It is ironic how many debates going on in DC about financial matters hinge on the debates coming regarding the Second Amendment and the abolishment of the trigger finger recall vote.
...'cause that's just the kind of guys they are...
Let's compare this government to organized crime. Oh wait, they are the same thing, except that organized crime doesnt tell you how to live your life.
I've already told my financial adviser that if this even comes close to reality I'm pulling everything and will gladly take the tax consequences.
Now, the next step: A lot of people have fixed-rate mortgages with low rates. That's good. If we have hyperinflation, paying your mortgage will be a breeze, as long as you get any kind of cost of living wage increase. But your property taxes may skyrocket. If you are out of work, your property tax may be too much for you, and the government will seize your home. I see massive housing takeover by the government as a distinct possibility.
Health, Housing, and Retirement -- the government may control 100% of all of that. Communist Utopia, here we come.
Those who have managed to build trillions in surplus (real savings) need no help from those who have only created trillions in debt.
What's both interesting and Machiavellian is that under this proposal the Government gets your "contribution", invests it in Government Bonds and gets both the Principal and Interest when you die. And when you consider the "Death Panels" of Obamacare it becomes even more obvious that it is to the Governments benefit for "Unproductive Citizens) aka Senior Citizens and the disabled to die earlier if possible because they are no longer "productive" to the Economy.
Anybody with no money in the bank gets it for "free."
Anybody with any money in the bank pays through the nose until they too have no money in the bank.
Now that's "equality."
The inner city predator class along with all the government workers relying on unfunded pension promises will be all for this. Now that the takers outnumber the producers the nationalization of private retirement accounts is almost certain to happen. Get your money out now.
They will just classify that as "money laundering" and use the asset forfeiture laws to take it.
If this happens, the commie bastards who vote for it should be shot and strung up immediately. Dem, Pub, every last one should be made an example of.
Do you think it was an accident this years flu vaccine was virtually ineffective, 9% effectiveness rate, for those over 65? Those were the numbers reported today.
And somehow, depite all those obstacles--no matter how contrived--those who managed to sacrifice and save, ammassed over 19 trillion dollars?
Sometimes I think the world could be darker and more corrupt than I think it is. What would happen if people opened their eyes and said, "It's all a lie? All of it? They've been playing me for a fool my entire life? Those bastards ..."
we've seen this coming for a while. Looting.
Have they never thought about what happens after they have stolen and squandered all the wealth?
and by "action" you mean moan and groan, vent online and change the channel?
That's why the want to disarm us. Then they can steal our money.
Mrs AV
Any legislation proposed by 0 and his minions with the word, "PROTECTION", in it should be considered worthy of extra scrutiny.
0 is going to go down as the most destructive and arrogant president in US history and also the most deceptive and manipulative at that. Not good qualities for the first black president to have in the history books but I'm sure the liberals will rewrite it anyway.
*Retirement* accounts? Pharaoh will not allow the slaves to rest from their burdens. Now they must find their own straw, yet still produce the same number of bricks.
And now you know why the Feds want your guns.
Obama and the Democrats really want to sink their claws into every kind of monetary reserve in the US.
Jimmy Carter seriously wanted to start taxing tax-free municipal bonds, but every bond issuer screamed so loudly that he backed down.
Obama has now stated four times that he wants to do the same, even though it would cripple every bond issuer in the country. HE DOESN'T CARE! HE WANTS THE MO-NEY! The hell with everything and everyone else.
I have always said that the American dream of home ownership is a facade. Stop paying your property taxes and see how fast they take your paid off house. Just ask any farmer/rancher who inherited the family farm.
I paid the taxes two years ago, anyone who didn't see this coming deserves what's going to happen.
Nothing. By the time that happens, all firearms will have been confiscated.
Those with retirement accounts should take a good look at how quickly NY rammed through their gun confiscation "law". It would be a good idea to get any retirement savings out of designated retirement accounts immediately. I took the penalty already because I don't trust the communist druggie in our White House.
if such legislation passes and is signed into law, it is time to burn DC to the ground...
I have always said that the American dream of home ownership is a facade. Stop paying your property taxes and see how fast they take your paid off house. Just ask any farmer/rancher who inherited the family farm.
I agree completely.
I also believe that the concept of private property in America is an illusion. If the state wants it they can take it. Also I have seen that crimes against property are treated as being on the lowest level of enforcement and investigation. And why not... The state has implicitly let it be known that Private Property rights really mean nothing to it.
If you want to really change attitudes, make Private Property an un-taxable thing. Once the state respects that and you as a property owner everything else shifts in respect to that.
Those asholes in DC have put the nation in trillions of debt and they want to manage our personal retirement funds?
They playing with fire.
Indeed - now the sudden big push for Gun Control (prelude to confiscation) makes more sense.
They see the end-game nearing and ONE THING stands in their way - 80 million Americans holding 300 million firearms.
Except me, of course - guns are scary and bad so I traded mine for farm equipment....
I don't know about the list of conspiracies, but the part about "playing me for a fool my entire life" is pretty accurate.
The ruling elite truly believes that the masses are foolish. And, after 13 years of indoctrination in government schools and ongoing propaganda from the MSM, the fact is that most are very easily deceived.
It's safer for those who use obamacare to kill people if the targets are not disarmed, too. They want your estate. The shorter you live, the more of your retirement nest egg they get. If they can get away with it, they would prefer to take everyone's retirement money before they are murdered via death care.
They are not angry enough.
Most of us are smart enough to know that Democide always happens once they have total control.
Might as well go out fighting.
If this took place, blood would be pouring in the streets, and many in power in government executed. That a'int gonna happen.
Me too, except all of mine fell in the lake last week after a nasty boating accident.
Describes to a tee the burden of the hard working taxpayer under PharO Tutti Frutti.
LOL, you don't know how I vacilate between those thoughts and others or whether I am the crazy one.
no....I mean the same thing I meant when I said "Tea Party"....
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Ted Simons: The valley's 65 and older population is expected to nearly double in size by the end of this decade. How local governments can best serve that growing population is the focus of the municipal aging services project, conduct the by mag, the Maricopa County association of governments. Here with more about the project is Amy St. Peter, mag's human services manager. Carol Kratz of the Virginia G. Piper Charitable Trust, and -- by the way, they're supporting the project, and Michelle Dionisio, president and CEO of Benevilla, an organization that provides services to Arizona's senior population. It is good to have you all here. Thank you so much for joining us. Amy, let's start with you. The municipal aging services project. What exactly are we talking about here?
Amy St. Peter: We're talking about trying to determine the best and most effective role for local government and meeting the needs of their residents, age 65 and plus. Really in collaboration with a number of different stakeholders. There are a lot of really good people doing really good work, but given the increases in the population, the impact on the funding reductions and the recession, we need to do more with less and we need to figure out the best way to make that happen.
Ted Simons: Surveys, focus groups, these kind of things involved here?
Carol Kratz: Absolutely. The project was very well done in terms of individual interviews, in terms of focus groups, a lot of demographic analysis, so it really provides a wonderful foundation for what do we need to think about for this doubling of the population by 2020. It's not the same population as grandma and her retirement, and so I think this really provides a very good framework for local governments and the rest of the community to think about how we need to change what we're doing.
Ted Simons: With what you're doing, this kind of information, this kind of framework, how does it help?
Michelle Dionisio: Actually, engaging the cities more and providing resources that will help nonprofits be able to reach out to the community, and do the work that's needed to meet the needs of the aging population. But again, it's a different population than what we've traditionally seen.
Ted Simons: Talk more about that. How does it differ?
Michelle Dionisio: Well, we're finding a lot of younger boomers coming and wanting to do meaningful work, more than just passing out drinks at the hospital. They really want to get involved in some planning. We have one volunteer who actually organized our bookstore for the nonprofit. We have a little bistro, she plans all the musicians coming in and doing jazz jams, and all kinds of activities. So really trying to tune in to each individual's skills and talents and being able to put it too work for the community. We have master gardeners who are helping with the community garden, so really finding meaningful ways to engage people.
Ted Simons: How do you find meaningful ways to engage people when the population is going to explode the way -- is there enough -- are there enough gardens? Is there enough to do?
Amy St. Peter: There's definitely a lot to do. There's enough to do. The problem is we aren't always lining people up with those opportunities. For example, in our survey we surveyed over a thousand people in Maricopa County, aged 55 and older. We asked them about their ability to interact with their peer and be engaged in the community. Nearly 75% of them had no idea about what was going on in the public level. And -- or really with the nonprofits, they never accessed those kind of facilities. 43% said they weren't aware of them, and a number of them just didn't have time. They're busy doing other things, going back to work when they thought they would stay in retirement. So we really need to carefully look at the population and really start planning right now. Because there are a lot of significant changes.
Ted Simons: What kind of planning can local governments do? Especially when you're talking about a group -- I see being active is important, employment, health, connecting with others, transportation. People don't even know that stuff is out there half the time. How do local governments respond?
Carol Kratz: I want to back up to your prior question, because there is an organization that is in place now called experience matters. That is really a focal point for connecting older adults who want to give back to the community, with nonprofits who are trained in how to use them and then matches are made. There's a new program called encore fellows that provides a stipend of up to $20,000 for these really skilled individuals who are retired to contribute back to the nonprofit. So I wanted to make sure that folks know about that. Local governments, it was fascinating at the mag meeting on Wednesday, there were combination of local governments, Universities, nonprofits, funders, everybody coming together to say, we understand that this is a different day, and we need to work together. So I don't think it's just local government, but local governments now have a growing number of older adults, Scottsdale is the number one city in the country with the highest percentage of older adults. 65 plus. And surprise is number 4. So it's not an issue for tomorrow, it's here now.
Ted Simons: I hear Scottsdale, I hear Surprise, and I also see things like affordable housing, in home care, those are important responses as far as these surveys and focus groups were concerned. How does that dynamic work?
Michelle Dionisio: And that's where volunteers really come in and help. We have 650 volunteers at Benevilla, primarily older adults providing that service to their neighbors and friends in the community. So I envision in the future we're going to see more of that, more families volunteering, we look at this as a community for all ages, in that everybody is getting involved to support one another. Share the assets we have.
Ted Simons: You mentioned so many folks don't really know what's out there. How can local government does a better job of letting people know what's out there?
Amy St. Peter: That's a great question. It's one of the questions we asked in our survey. People want to hear from email. They want to access things on web sites, and they aren't always wanting to come to the public hearings. It's natural to have a public hearing and then no one attends, or it has very limited attendance. People want us to go to them and to make that as accessible as possible, and that includes going online. And it's not something we're always doing enough, but some places we're doing more of and it's had a great impact.
Ted Simons: Does that make sense to you?
Carol Kratz: Absolutely. It goes back to the mind-set. Older adults aren't people who retire on Friday and go to a nursing home on Monday. I think some of our mind-set has them do. They're people who are vibrant who are active, who are engaged and who access information by email and we're going to see more and more of that.
Michelle Dionisio: I think, if I could just add to, that I'm seeing more and more home bound people relying on their computers to be able to access services and information.
Ted Simons: And again, that's what we talked about earlier with at home care, affordable housing, a lot of folks want to stay where they are. Is this more, so are you seeing more of this now?
Michelle Dionisio: Absolutely. In our community, there were early founders, 30 years ago that put our organization together. They really saw the vision and they said people don't want to move to another institution, they want to stay in their home. So we have handymen that install grab bars, we have people who take people to the beauty shop or to the doctor's appointments and different things like that. So really enabling people to stay home.
Amy St. Peter: And to build on that point, we conducted 135 interviews with key leaders throughout the region. And then we conducted 19 focus groups with more than 200 people, most of whom are over the age of 65. And resoundingly, they want to age in place. We don't always design our communities to allow people that option. So if they don't have a variety of options within their neighborhood, they have to move and build up new support systems, and often that's extremely difficult.
Ted Simons: How would you design communities to provide more options like that along those lines?
Amy St. Peter: It's important to look at housing, transportation, and employment. In terms of housing we need to have a range of housing options so if people want to downsize after their children move out, they can do that and stay in their neighborhood. Also a transportation, we need to make sure people can move easily throughout the region so they can get to the medical appointments, jobs, education, when we surveyed people, 11% said they use transit right now. That nearly triples to 30% in the next 10 years. They said in 10 years we won't be driving as much, the number goes from 90% now to 67% in 10 years according to their projections. And that's shifting to transit and to getting rise with family and friends. We need to make sure people have access to those.
Ted Simons: Last question, last word. What do you want people to take from this survey, what do we need to know? What do services, what does everyone need to know about an aging population?
Carol Kratz: The time is now to look at how this population has changed, and is changing. It's going to be a totally different group of folks that by 20 20, and to not come together and recognize these changes and look at our institutions, look at our cities, our towns, our nonprofits and figure out how do we make this even better. And I think we have the opportunity to do that with mag's study.
Ted Simons: Very good. Great conversation, good to have you all here. Thanks for joining us. Wednesday on "Arizona Horizon," an update on plans to expand the metro light rail further into Mesa, and just in time for spring training, an ASU professor explains the science of baseball. That's Wednesday on "Arizona Horizon," 5:30 and 10:00 right here on eight HD.
That it is for now. I'm Ted Simons. Thank you so much for joining us. You have a great evening.


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Video of Big Poppa Stampley performing a song in front of the Great Escape on Bardstown Road. 9/11/2010
This neighborhood favorite returns this weekend in the Upper Highlands. Come out and enjoy the weather and unique art!
Several branches of the Louisville Free Public Library will hold kid-friendly programs to celebrate St. Patrick's Day. Green beer excluded.
The Bellarmine University men's basketball team prepares for the Great Lakes Valley Conference Tournament semifinals this weekend in Springfield, Ill.
Residents near Bellarmine want to park in front of their own houses—not battle with college students and staff for their place.
Come for the art, stay for the Kentucky-made wines, beers and spirits! Tickets are on sale now for the seventh annual Legal Aid Society fundraiser.
As a young woman, Janet Oesterly wanted to be an artist—but it took her daughter actually growing up and doing it herself to get her drawing again. Now, Janet and Sarah Oesterly share an exhibit with their creations side by side.
Interested in meditation? Wanting to try a new way of mindfulness? The Passionist Earth and Spirit Center offers two courses beginning in February.
Wondering what's going on with the fenced-off car wash site at Bardstown and Edgeland? Big changes are afoot—like growing vegetables three stories overhead.
If you don't get worn out on the First Friday Trolley Hope, get the shopping done and over with in one night and enjoy December without the hassle of last minute nonsense.
This weekend, the Upper Highlands Neighborhood is celebrating by hosting the 4th Annual Festival in The Upper Highlands
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Reviews - Micasa ApartHotel4
9 Market Street, Aberdeen, AB11 5PD
Price From £79View Rooms
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100% would recommend it to a friend
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Micasa ApartHotel
Fantastic apartments in the middle of town beats a hotel room hands down
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We think this is a fantastic hidden secret in the heart of Aberdeen.
Very well appointed apartment clean warm well presented very helpful staff and a lovely continental breakfast. We would highly recommend the Micasa apartment to anyone visiting Aberdeen
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Central area, large and very nice.
Welcoming staff and no spare to detail, stay was like being at home but in the city. Cant wait to go back.
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Value for money and ideal for business travelers and family people who want to be in the city centre
The hotel is at near to the bus station and from the airport, one has to catch bus no 727 and it stops outside the hotel which is at Market Street, Union Centre.
The cost of the ticket is only £2.90 one side. The hotel is equipped with all the modern facilities and the apartments are fully furnished. Therefore, one can cook the food of their choice in the apartment. Rooms and the living room are spacious. I would rate it 5 out of 5.
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Great apartment, spacious, clean, well organised...
Lovely towels. Staff friendly and efficient. Location, perfect for Aberdeen city centre.
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Thought everything was excellent great location
I booked this for a little break with my partner and was thoroughly surprised by the apartment.
The apartment was lovely decorated, clean and fully equipped with everything you need. The location is brilliant, right in the middle of town and the staff was lovely.
We will definitely be staying here again, highly recommended.
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Top Marks to Micasa.
Expected a room, got an apartment, fully equipt and ready to go.
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Central, surprisingly big serviced apartments with luxury feel
Stayed in apartment 27, a nice big apartment with great power shower.
Recommended, if you are looking for a spacious home for business or break away then I recommend these apartments. The breakfasts are pretty standard affairs but I have to admit the bagels are fantastic and the staff are very accommodating and willing to be helpful in anyway possible. Only down side to the apartments is the lift, it is a bit temperamental closing the doors from the ground floor.
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The family is a natural place for the gift of fortitude to take root. Meg Matenaer suggests questions a family can ask itself on how it can better receive this gift of the spirit at home.
Browsing: Pentecost
On the menu for CatholicMom.com's Sunday Brunch, we have a sample of articles from the past week.
Marcellino D'Ambrosio offers a reflection for Pentecost, inviting us to compare the apostles before and after Pentecost to see the difference the Spirit makes.
Celebrating Pentecost with your family and friends is simple and easy with these ideas shared by Tami Kiser. You don't have to be a "Super Saint" to do it.
Monica McConkey reflects on the Apostles witnessing the Ascension of our Lord… and presents a couple NEW Catholic Resources to help us prepare for Pentecost!
A continued discussion on why the phrase "you are enough" isn't a viable mantra for a Christian by Brittany Balke.
Keep the celebration of Easter going for 50 days with these five simple ideas by Sarah Damm.
When music is more than music, a reflection by Michelle Dawn Jones.
Disney's Magic Kingdom is high on the list of sought after vacation sites by many young families. Nancy Ward gives us a way to use the Disney frenzy to understand the gifts of our baptism.
Tongues (as in, not connected to mouths) of FIRE rested upon them! Can you say, "fear of the Lord"? What is your spiritual gift and how do you use it for the common good?
These parents raised saints. We can learn from them how to help our children grow in love of God and His Will.
What to do with the gifts of the Holy Spirit from Pentecost? Mother Teresa has some ideas for us.
Marcellino D'Ambrosio offers a reflection on Sunday's gospel.
Editor's Note: Today we're excited to welcome Jen Haganey to our Tech Talk team of writers! Today is blustery. My…
On a recent Sunday as I was waiting to meet a friend for coffee, I rummaged through a stack of…


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From the first time I saw the name "Royal Unicorn" in the NW Karaoke Newsletter, I knew it was a bar I needed to check out. And I loved that it was on Richmond Beach Rd. I'm from Greenwood and that's like two neighborhoods away.
"Fuck, I'm old."
Last Friday I was fired up. It was the day after Springsteen's 61st birthday and I felt like celebrating so I decided to party with the good people of Shoreline. I spent most of my early years singing with Shoreline folk at the Peking Palace (R.I.P.) right on the city limits so I treated this as sort of a homecoming.
Anticipating a slow start, I decided to get there at 9:30--figuring the show started at nine. For some reason I didn't think it would be a Chinese restaurant, but a dive bar with a really cool name. I walked in the lounge entrance to a quiet room with three customers and no KJ. Karaoke didn't start until ten. It's always a bit uncomfortable coming into a place solo when it's that slow, but all it takes is a beer and a shot to fix that. I spotted their jukebox and immediately turned the place into my own.I punched in 40 minutes of music: all Boss of songs that jumped around his entire career. Their sound system is very good and I picked a great play list. A few more folks started filing in. At this point (aside from the bartender) I was the youngest person in the bar by about 18 years. I sat from my table monitoring the reactions in their faces as each new song came up. They seemed to be enjoying it, but I never got the sense that anyone had any previous connection with the Boss. It is crazy how nobody knows him around here. The bartender was great. She was the one person who called me out for the "Bruceathon." She asked me if he'd died or something.
The KJ was a friendly looking lady named Colette, and she reminded me of one of my buddy's moms. She started setting up just before ten. The thing that put my mind at ease and didn't make me want to bail the first moment I got there was their stage setup. It looked like a place that had a lot of karaoke history, and the topper was the organized shelf of catalogs separated by artist and song title available at all times. The karaoke slips are 4x5" and every singer's requests are filed away for future reference. The catalog isn't that big but it's easy to skim through. I'm now at the point where I like a smaller, more concise book.
Just before the show started, this short chubby guy in his early 40's with dark curly hair, a goatee and glasses dressed in baggy black pants, a black shirt, and a black jacket entered with a CD case full of his own karaoke discs. His name was Kevin. I though to myself, "I guess this was going to be my guy tonight," the guy who would motivate me to be creative with my song selection and sing my best. He seemed like a really nice guy, but was literally a karaoke geek.
KJ Colette kicked off the night with a nice rendition of "Unchained Melody." It was as pretty as my friend's mom would have sung it. Kevin followed and did "Radio Song" by R.E.M. I was super impressed; here is a guy that knows his stuff. I can't remember if I've ever seen anyone do that song and his voice was just right for it. Michael Stipe's voice isn't the hardest to sing, but a performer has to put forth something extra to capture the spirit of the song--and that is exactly what Kevin did.
An old timer got up and did "Another Day In Paradise," a Phil Collins number that is rarely sung seriously. This guy really sounded like he was trying to make us think about it. People were delivering good random stuff all night. During his performance the crowd's median age was split by half when a group of youngsters (that looked 21 going on 18) took over the bar. There were a couple babes with them so the place instantly turned into a scene.
I followed Phil with a song I'd wanted to sing since my night at Talarico's, "I Got a Name." I have loved Jim Croce since I was a little kid watching the "Munster's" and "Leave it to Beaver" on WTBS summer afternoons. It seemed like they played the ad for Croce's greatest hits during every commercial break. I thought this song would be a stand-up double, but it wound up being kind of tough. I was in tune, but it was not the voice I wanted to convey. I really wanted to capture Croce's style, but my attempt at twang was way off. Sometimes the simplest songs are the toughest to sing.
Kevin followed me with "Come On Eileen" and I saw that he tweaked the key. I don't ever see anyone mess with those settings. My belief is if you can't sing it in the key it was intended, don't sing it at all, but since Colette didn't change the key during the song I really couldn't tell the difference. He was able to hit all the notes, and sounded good singing them.
The young'ns delivered some good stuff. This skater/stoner Dax Sheppard-looking dude named Burger nailed "The Wrong Way" by Sublime. I'm not the biggest fan of that band but that is a tough song to sing. Then there was this dainty kid dressed in the style of circa 1982 Elvis Costello with a modified Flock of Seagulls haircut and black rim glasses. He looked like a cross between a new wave hipster and a gay Messy Marvin. His name was Quigley and he sang "1979" by Smashing Pumpkins. Some songs just give me a jolt from the moment I hear them and this is one of them. Singing Billy Corgan requires a certain amount of flamboyance and this guy had all that and more. He should take that act to the Hula Hula. They would love him there.
My last song of the night was "Jeopardy" by the Greg Kihn Band. When I saw it in the book I turned it in right away without realizing how insanely out of my range it would be until I took the stage. I looked down at Kevin with an expression that said this one is going to be rough and it was. I didn't even make it through the third verse without gasping for breath. I was literally tippy-toeing to reach the notes. Kevin tried to tell Colette to turn down the key but she didn't believe him at first and did not want to disrupt me. Eventually I told her to do it and it was amazing how I was instantly able to handle the song. All of the sudden it was easy and it didn't even sound that different. I can't believe I was so stubborn to never try that. This opens up a whole new world for me.


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Trustmark Corporation (TRMK)
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Trustmark Corporation (TRMK)
Q1 2010 Earnings Call
April 28, 2010 11:00 AM EST
Joey Rein – Director of IR
Richard Hickson – Chairman and CEO
Jerry Host – COO
Barry Harvey – SVP, Chief Credit Administrator
Bob Hardison – SVP, Chief Credit Officer
Kevin Fitzsimmons – Sandler O'Neill
Andy Stapp – B. Riley
Brian Klock – KBW
Erika Penala – UBS
Al Savastano – Macquarie
Adam Barkstrom – Sterne Agee
Previous Statements by TRMK
» Trustmark Corporation Q4 2009 Earnings Conference Call
» Trustmark Corporation Q3 2009 Earnings Call Transcript
» Trustmark Corporation Q1 2009 Earnings Call Transcript
It is now my pleasure to introduce Joey Rein, Director of Investor Relations at Trustmark.
Joey Rein
Good morning. I would like to remind everyone that a copy of our first quarter earnings release and supporting financial information is available on the Investor Relations section of our website at trustmark.com.
During the course of our call this morning, management may make forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. We would like to caution you that these forward-looking statements may differ materially from actual results due to a number of risk and uncertainties, which are outlined in our earnings release and our other filings with the Securities and Exchange Commission.
At this time, I would like to introduce Richard Hickson, Chairman and CEO of Trustmark.
Richard Hickson
Good morning. Thank you for joining us this morning. I have with me Jerry Host, our Chief Operating Officer; Louis Greer, our CFO; Barry Harvey and Bob Hardison representing credit risk in the company; and Mitch Bleski (ph) is with us if there are any questions that come up about securities portfolio and hedging.
It's been a number of quarters that we have been in this recession and this quarter I feel particularly good about, number one, we earned a lot of money; number two, management and the Board feel really good that the quarter came in just dead on all of our expectations all over the company. What you see here in the earnings release is no standouts, no stars for the quarter, just a team working very well producing a very solid score that we feel has sustainability and we are feeling better about the year than we were at the end of the year.
I will go through some particulars with you. You have our press release and stat sheets. We earned $23 million, $0.37 a share, essentially a 12% return on tangible equity. We did declare a dividend of 23% and you see that the payout ratio has moved back down to a very comfortable level. Pretax, pre-provision, earnings, hung in there at almost $50 million again, extremely consistent, reflects solid net interest income, and expanded net interest margin, which we will chat more about.
Good noninterest expense, a good quarter in mortgage, not a standout quarter. The diversification coming into play, the ballots from the different areas of our noninterest income make us feel very good about where we are today and what we can do. Enhanced capital strength, tangible common equity is now up over $800 million. It actually expanded due to organic growth and shrinkage in the balance sheet on a risk rated basis and somewhat on an absolute basis. We are now up over 9% tangible equity. I think it's 9.11%.
It was interesting to me as I was talking to our administrative group yesterday, we were comparing to first quarter a year-ago reserves, Tier 1 in total and now our reserves, Tier 1 in total 13% and 15% are at the same percentage as they were when we had $215 million of preferred. So that is a significant shift with what was already very strong capital. I don't know how you would describe fortress, I don't know the metrics, but it feels good and flexible, and lets us be on the offensive and Trustmark is on the offensive across the board.
Talking about loans, we have no real estate concentrations to total risk-based capital. If you look at our construction portfolio, it's down significantly. If you look at our total commercial real estate, we are in a range of not much more than 50% of the 3% guidelines.
We are in a position that if we want to make a real estate loan, we can make it. And I understand they are going to be a lot of very good wins potentially refinancing. I am not talking land, lots, I am talking quality construction and quality finished product with cash flows. We think there will be opportunities for us there. We are not making a habit of it. But if there is something there, Trustmark is going to be in a position to get some good assets and relationships when those opportunities come along.
Loans in the quarter were down. I am going to talk about it on a linked quarter for a moment; things that I thought were significant. In visiting with our management teams, we think we have seen the majority of our shrinkage in our commercial portfolio for the year in the first quarter.
Construction and land development was down $26 million, $15 million of it Florida, the rest scattered. That's a positive that we wanted to do. Commercial loans were down about $17 million on average, $9 million of that in Mississippi and $19 million in Texas. We had a $20 million tax anticipation note with I believe it was the City of Jackson that paid off.
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So, you want to keep your memory cool but you don't want to plug in another fan? Thermaltake has your solution in the CL-R2006. Their Spirit RS heat spreader keeps things cool with a 6mm heatpipe and aluminum fins. The fins dramatically increase the surface area for heat dissipation. And as everyone knows the more surface area, the better cooling performance it provides. The angle adjustable design maximizes compatibility and enhances cooling efficiency.
Thermaltake's very name shows their focus on taking the heat so your system doesn't have to. They "take" the "thermal" problem away from high-powered systems. Take advantage of their experience and expertise with the Thermaltake CL-R2006!
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extremely useful
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: over one year using this ram heatsink experience. this thing fit ANY ram and cool down the temp right the way.
Cons: NONE. just make sure renew the Thermal Compound between heatsink and heat pipe every 12 or 18 months.
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Cool boards last longer
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: If you plan on running intensive applications, you need these, they really do cool the memory chips. Assembly was actually easy once I developed a technique.
Cons: None
Other Thoughts: Be aware that the cushions are very pliable-if you pull the tape on one side and set on the plate then pull the tape off the other side, the cushion will elongate just like clay so pull the tape slowing. If you must trim, use a sharp knife and only cut against the aluminum plate. Don't forget to add the thermal grease to the heatpipe.
0 out of 1 people found this review helpful. Did you?
Work Good
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: Slim in design so you can use all of your memory slots. For me they are great. Using DDR2 800. Use to crash when I started getting the memory close to 1000. Runs stable and cool at 1000.
Cons: none
Other Thoughts: Been using Thermaltake products for a while and not once have they let me down, yet.
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Useless to me
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: They look cool.
Cons: Make sure your RAM does not come with heatsinks already, they are likely not removable.
Other Thoughts: Bought to put on some Corsair RAM, but later found out the heatsinks are bonded to the ICs and are not removable. My bad for not doing more research. I'll have to put these on some older memory I have laying around.
Did you find this review helpful?
Great cooler
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: Noticeable drop in temperature and increase in performance
Cons: Not the easiest installation in the world but most of that problem was due to the stock heat spreaders on my ballistix tracers.
Other Thoughts: I do a lot of LANs in small areas with a lot of computers and these heat sinks have stopped all the lag that I got when the room starts getting 90+ degrees F. Before installing the heat sinks, I pretty much burned myself trying to feel the RAM and now they never overheat.
Did you find this review helpful?
The Best Heat Pipe for RAM
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: Thin fin design... Product pictures do not show that the fins on this product are barely wider than the heat pipe itself, allowing you to stack four in a row without any problems. Fins are 30mm long (Vertical to RAM) and provide more than adequate temperature difference. Heat pipe is long enough to go the entire length of aluminum heat spreader, has high quality thermal pads for modules and paste for the heat pipe.
Cons: The only "con" is remembering where you keep the allen wrench if you ever decide to remove it from the RAM modules.
Other Thoughts: I have never been disappointed in the Thermaltake products that I have purchased. Heat pipe technology is awesome. It gives almost the same results as water cooling without the possibility of leaks.
2 out of 2 people found this review helpful. Did you?
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: Everything. It does it job, stays cool to the touch and have never had a problem with whatever DIMMs were under these. Looks great too, especially with the right LED positioning.
Cons: None
Other Thoughts: Wish they were a bit cheaper but that goes for everything. I've got 4 DIMMs in my comp and two of them have these spreaders. Havn't ever had a problem with them. The other two are using stock heatspreaders and They fart out on me within 20 minutes at > DDR900 speeds. Has to be a temp problem cause memtest initially goes fine. I'm planning on getting two more of these for those two and i'll watch as my mem problems disappear.
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If your memory has a heatsink, don't buy it!
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: I gave it an excellent rating because I don't want to give a negative review for my mistake. In short, if your memory has built in heatsinks, it won't really fit.
Cons: None
1 out of 2 people found this review helpful. Did you?
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: Cools the ram well, and the fin bar is adjustable so you can get them away from other componants. Instructions could use some work, was about to apply the thermal paste to the pads till i realised the pads were sticky themselves and required the plastic to be pealed off.
Cons: More of a user type deal, but make sure you remember how your ram was seated. usualy there is a Notch or bolt that needs to be in a cwertain direction, cause the heat spreaders make it difficult too see, was getting frustrated because the ram would not go in. So now i have the heat spreaders facing two different directions because i did not notice that.
Other Thoughts: Seems to me like the temp difference is only a few degrees different, tho it seems it takes alot longer for the RAM to heat up, so I'll take that as a sign of working. Would recomend Good airflow in the case reguardless. With out it these aren't going to make much difference.
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Obsolete item
This review is from: Thermaltake CL-R0026 Aluminum Heatsinks only
Pros: They'd look cool?
Cons: Don't fit up-to-date gaming/high performance DIMMs.
Other Thoughts: Gave rating of 3 because I can't use them. I wanted my newly built gaming rig to be as cool, powerful, stable, and last as long as possible.
1 out of 4 people found this review helpful. Did you?
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Its earning will be due on 2/6, then next stop at 75 cents!!!
what's your reasoning ?
Look at all of his other past posts for ALIM and other stocks - he seems to use the same scare tactics (SHORT). ALIM has been severely beat down in recent months and the February earnings will have little impact on the share price (just my opinion). IMPACT will be a either a positive or negative MHRA announcement. It's all about the NEWS.
No Reason,He says the same thing about every stock he is shorting.This stock is trading below cash value right now.Got to love the view message feature on yahoo, gives you a nice window into ones motives.No one expects any earnings, already priced in.Have a great night!SBG


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Working Class Heroes
Must be level 20 or up to join.
We are a tight-knit guild that is looking for new members. The only other requirements to join are that you are respectful and willing to be partially active.
We have been running regular guild events and sponsor champions who perform well. Please give us a look when you get a chance. Thank you.


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There are 14 results - Show results on a map Print this page
Showing 11 - 14 of 14
The owners of Lavender House extend a friendly welcome at their home, located in the idyllic village of Quorn. Built in 1927 the house has been tastefully and sympathetically renovated to retain much ...More about Lavender House
Premier Inn Leicester Central (A50) is in a peaceful spot on the outskirts of the city and well placed for business and leisure destinations. So whether it's sports at the King Power Stadium, shopping...More about Premier Inn Leicester Central (A50)
A friendly relaxed atmosphere is offered at Jerico Farm, an attractive building, which stands in the beautiful Nottinghamshire countryside just off the A46, close to Nottingham, Trent Bridge and the N...More about Jerico Farm
Modern, budget hotel offering comfortable accommodation in bright and practical bedrooms. Breakfast is self-service and dinner is available in the restaurant. ...More about Ibis Leicester


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Expect big traffic jams around Husky Stadium on Saturday, and smaller jams around KeyArena Saturday and Sunday, as area universities hold commencement exercises.
• The University of Washington expects 5,300 graduates and more than 40,000 family members, friends and faculty observers to be part of undergraduate and graduate commencement exercises at Husky Stadium Saturday, beginning at 12:30 p.m., when graduates begin lining up and doors open for guests. The procession starts at 1:30 p.m., and the ceremony is scheduled to conclude at 4:30 p.m. The commencement speaker is former Microsoft CEO Steve Ballmer.
• Seattle Pacific University's undergraduate commencement will begin at 1 p.m. Saturday at Seattle Center's KeyArena. The commencement speaker is Marian Wright Edelman, the founder and president of the Children's Defense Fund and the first black woman admitted to the Mississippi Bar. The ceremony is expected to end at 3:30 p.m.
• Seattle University's undergraduate commencement will begin at 9:30 a.m. Sunday at KeyArena. The speaker is Jo Luck, former president and CEO of Heifer International. It is scheduled to end at 1 p.m.
- Seattle City Council kills sale of street for Sodo arena
- 9 arrested, 5 officers hurt as May Day anti-capitalist march turns violent
- Former Skyline High QB Jake Heaps signs with Seahawks
- Sinkhole forms above Sound Transit light-rail tunnel in Roosevelt area
- High court rejects franchises' challenge to Seattle's $15 wage law
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Katherine Long: 206-464-2219


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PETA & PETA Foundation Benefits
|60 days*–23 months of employment: Accrues at 3.08 hours per pay period
24–59 months of employment: 15 days, accrues at 4.62 hours per pay period
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Sick Leave: Accrues at 3.08 hours per pay period
*Staff members begin accruing paid time off on the first pay date that includes the 60th day of employment.
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|All staff members are entitled to an additional 30 percent discount off member prices for PETA merchandise.
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|Staff members are eligible to enroll at open enrollment after one year of service if 21 years of age or older. Effective April 1, 2013 employer match is a rate of 25% of your salary deferral, to a maximum of 2% of your Gross Annual Salary. Staff members are fully vested after 6 years of employment. The plan offers numerous different investment options.
|The consumption and wearing of animal products in PETA offices is prohibited. A "No Smoking" policy is in effect in PETA offices.
We are an equal opportunity employer.
Click here to read the rest of PETA and the PETA Foundation's benefits, including available insurance policies.
PETA and the PETA Foundation are equal-opportunity employers.


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Former town clerk sentenced to two years in prisonJuly 18,2013Staff Report
The former Weybridge town clerk and treasurer who pleaded guilty to embezzling more than $400,000 from the town was sentenced Thursday to serve two years in federal prison.
In a hearing afternoon in U.S. District Court in Rutland, Judge Christina Reiss sentenced Karen Brisson, 50, of Weybridge to two years in prison and three years of released supervision.
She is expected to pay more than $430,000 in restitution to the town of Weybridge and the Vermont League of Cities and Town.
Brisson, who served as town clerk and treasurer for the town for 27 years, stole money from the town between no later than 2006 and continued through November of last year when she resigned. She is expected to report to serve her sentence Sept. 3.MORE IN This Just InWHITE RIVER JUNCTION A New Hampshire man is expected to spend nine months in jail in his home... Full StoryA Ludlow woman denied threatening another female driver with a handgun while driving on Route 7... Full StoryA Rutland landlord will pay a $1,000 fine for filing false lead compliance documents. Full Story
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F.T. Island
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F.T. Island FT. Island - Litmus Spring 2011
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FT. Island - Litmus Spring 2011
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Keyword: ft island, lee hong gi, choi jong hun, lee jae jin, choi min hwan, song seung hyun
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How To Win Your NCAA Pool
Act like a hedge-fund manager and pick Texas to win it all.
Second, you have to steel yourself for the possibility that your pursuit of first place will leave you in last place. While it may get you ridiculed by your friends, it's important to remember that (at least monetarily) the consequences of coming in dead last are no more severe than coming in a few spots shy of the gold. Act as if you're a hedge-fund manager in the good old days: Risk is your friend, and the consequences of making a bad bet are small. And unlike with a multibillion-dollar hedge fund, you're not playing against opponents with equal fidelity to statistics and information. Your office pool is full of people making decisions based on snippets of games they happened to catch and whatever allegiances or vendettas they're bringing to the table. This is your chance to take advantage.
Again, your overall strategy should be to look for situations where the national bracket values a team much higher than the objective statistics. (I should stipulate that all of this advice assumes standard NCAA pool rules, where the points for a correct guess double each round, from one point in the first to 32 for the final game.) For example, at the moment only 1.8 percent of all the participants in ESPN's Tournament Challenge have picked Texas to win the tournament—the right-most column on this table. Pomeroy's log5 analysis of the tournament, by contrast, gives the Longhorns a 5.8 percent chance of winning it all. This makes Texas a fantastic bargain, even if their odds of winning the title are still remote—while cold-blooded, numerical analysis gives Texas a 1-in-17 shot at the title, only one in 56 people have picked them to win. As such, the Longhorns are the most- undervalued asset in the 2011 NCAA Tournament. (The reviled Duke Blue Devils were the best bargain in both 2009 and 2010. If you followed the advice of this column last year and picked Duke, you probably won your pool. I did.)
On the other hand, Kansas—the second most-popular pick on ESPN, trailing only Ohio State—is definitely not a bargain. While 21.7 percent of the ESPN crowd has Kansas taking the title, the team's Pomeroy odds stand at 12.4 percent. Although anyone who watched the Big 12 title game on Saturday would believe that Kansas is a better team than Texas, I believe the Jayhawks are a much worse bet. Which would you prefer, the team that more than one-fifth of your pool will also pick (Kansas) or one that nearly no one else will favor (Texas)? I would take the second—at least, if I wanted a chance to win the prize money instead of just placing respectably. (This assumes your pool resembles the country at large, of course; a pool among Texas undergraduates probably would not offer the same generous odds.)
Biostatistician Bradley Carlin, who co-authored a 2005 paper (PDF) on contrarian strategies in NCAA brackets, suggests a "champion-only" technique. While most people spend a lot of time puzzling over potential first-round upsets, the mathematical reality is that it's difficult to win a pool without securing those boffo championship game points. The payoff for risk-taking also increases in later rounds. Consider the first round game between 12-seed Utah State and five-seed Kansas State. Only one in four ESPN players predict that Utah State will pull off a fabled 5-12 upset, while Pomeroy gives the Aggies a 60.1 percent chance of making the second round (though he does express some reservations about the strength of this figure in his introduction). On paper, that differential looks like a great bargain. But consider that this upset will reward the lucky Utah State fan with a mere one extra point in a standard office pool. If Kansas State wins, you're suddenly missing an important player in the bracket.
Whom should you pick as your champion? You want to look for teams with a respectable chance of winning that don't come in with high expectations. As the size of the pool balloons, so must your audacity. You may skate to victory with traditional choices in a group of 12 people, but in a pool of 100, you'll have to get fancy and prepare to lose miserably if the cards don't fall your way. Along with Texas, other good bargains in this year's field are Purdue (picked to win the title by 0.9 percent of ESPN.com competitors; a 5.1 percent title chance according to Ken Pomeroy) and San Diego State (1.7 percent on ESPN.com; 5.0 percent Pomeroy). And along with Kansas, one of the worst values in the field is the University of Connecticut—6.2 percent of the folks on ESPN.com like Kemba Walker and the Huskies to win it all, while Pomeroy gives them a mere 1 percent chance of hoisting the trophy. (This year, college hoops fans have finally valued Duke correctly: The Blue Devils are the choice of 15 percent of ESPN.com users and have a 15.3 percent chance to win according to Pomeroy.)
Of course, the trouble with picking an off-the-radar champ is that the benefits of such a strategy materialize only in the long term. Another author of that 2005 paper on bracket strategies, Jarad Niemi, told me that he has won back three to four times his investment in entry fees over the years, but a great deal of that came from a good year in 2008. (Considering how good they are at calculating risk, it's no surprise that guys like Niemi and Carlin excel in pools that award bonus points for upsets. Carlin said he won one such pool three out of five years.) A strategy that wins you a lot of money a small amount of the time may work well in sports with long seasons, but it can be tough to keep the faith when you finish in the cellar for six straight Marches. But look at it this way: Did you ever win with your old strategy?


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An excerpt from www.HouseOfNames.com archives copyright © 2000 - 2016
Origins Available: Borderlands, Scottish
The name Rutherford comes from the proud Boernician clans of the Scottish-English border region. The Rutherford family lived in the Parish of Maxton, where Rutherford was a town, near Roxburghshire. The place name Rutherford is derived from the Old English words "hryder" meaning "cattle" and "ford," which is "a shallow part of a river."
Spelling variations of this family name include: Rutherford, Rutterford, Rudderford, Rudford and others.
First found in the Parish of Maxton, town of Rutherford, county Roxburghshire. The first bearers of Rutherford on record were two knights: Gregory and Nicholas de Rutherford.
This web page shows only a small excerpt of our Rutherford research. Another 533 words (38 lines of text) covering the years 1200, 1215, 1249, 1285, 1296, 1361, 1411, 1413, 1451, 1493, 1448, 1580, 1664, 1st , 1600 and 1661 are included under the topic Early Rutherford History in all our PDF Extended History products.
Another 85 words (6 lines of text) are included under the topic Early Rutherford Notables in all our PDF Extended History products.
Some of the Rutherford family moved to Ireland, but this topic is not covered in this excerpt. Another 107 words (8 lines of text) about their life in Ireland is included in all our PDF Extended History products.
Some of the first settlers of this family name were:
Rutherford Settlers in United States in the 17th Century
Rutherford Settlers in United States in the 18th Century
Rutherford Settlers in United States in the 19th Century
Rutherford Settlers in Canada in the 18th Century
Rutherford Settlers in Canada in the 19th Century
Rutherford Settlers in Australia in the 19th Century
Rutherford Settlers in New Zealand in the 19th Century
The motto was originally a war cry or slogan. Mottoes first began to be shown with arms in the 14th and 15th centuries, but were not in general use until the 17th century. Thus the oldest coats of arms generally do not include a motto. Mottoes seldom form part of the grant of arms: Under most heraldic authorities, a motto is an optional component of the coat of arms, and can be added to or changed at will; many families have chosen not to display a motto.
Motto: Nec sorte, nec fato
Motto Translation: Neither by chance nor destiny.
The Rutherford Family Crest was acquired from the Houseofnames.com archives. The Rutherford Family Crest was drawn according to heraldic standards based on published blazons. We generally include the oldest published family crest once associated with each surname.
This page was last modified on 6 April 2016 at 16:06.
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Cook Supervisor - Calgary Correctional Facilities
Compass Group Canada - Calgary, AB
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Compass Group Canada is the nation's leading food service and support services company. With over 23,000 associates, we set the standard for...


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Berkeley Ballet Theater's The Nutcracker at the Julia Morgan
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for The Nutcracker was Saturday December 11, 2010 / 7:00pm.
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Harper Lee's Powerful Novel Takes Flight On Stage
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Featured review from Cindy Starks
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My fourteen-year old daughter and I enjoyed Berkeley ballet's production of The Nutcracker---overall the dancers did a pretty good job although a few of the female dancers were a little stiff. Brian Fisher as Fritz was absolutely delightful. Julia Morgan's theater is a great little venue with a charming ambience which lent to the magical story of the Nutcracker.
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I took the whole family and it didnt break the bank. It's great to make these family events affordable to the families. I thought it was a nice small venue where small kids can get an upclose and personal feeling for their first time experience of...continued
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My youngest grand daughter was sitting on the edge of her sit until the middle of the second act. She was ready to go home. My oldest grand daughter saw the SF ballet Nutcracker last year. She said this performance the dancers showed no emotion...continued
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Very enjoyable production with a lot of energy from the performers. I'm not very familiar with ballet but I thought the dancing was quite good.
Engaging, funny, beautiful, heartwarming — this fresh retelling of the holiday classic is a wonderful gift for audiences of all ages. The students of BBT's Children's Division share the stage in this joyous production with BBT's Youth Company and professional guest artists.
Sally Streets and Robert Nichols choreographed this version of The Nutcracker.


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Updated 6/17/2015
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text: Posted 21 Oct 2012 I stopped being emotionally invested in this team after the Falcon game, so I kind of expected to lose today, but I must admit I was surprised at the lack of fight at the start of the game. Usually teams, even awful teams come out after a BYE and fight. Except this one I guess. We got nothing. If Dallas was half the team the media wants them to be we would have lost by 40 today. Share this post Link to post Share on other sites


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Torn City medical cooldown
From Torncity WIKI - The official help and support guide
Medical Cooldown (MCd) have been introduced on 3rd September 2012, after successful vote of Committee.
Since then, every use of the medical item will add time to your MCd timer. MCd will disallow you to use more meds if the timer value exceed the 24 hours (1440 minutes). The timer is working similar to Boosters Cooldown, but they have no influence to each other.
The folowing items have an influence on the MCd:
|+ Time to MCd
|Small first aid kid
|-20 mins hosp time
|+ 15 minutes
|First aid kit
|-50 mins hosp time
|+ 30 minutes
|-100 mins hosp time
|+ 60 minutes
|Neumune tablet
|-6 hrs radiation poisoning duration
|+ 360 minutes
- Some perks will increase the amount of hosp time reduced by using meds without change the amount of time added to MCd.
- Radiation poisoning is an effect caused by a Dirty Bomb.
- Concurrently to implementing MCd, the requirement for Attention Seeker medal was decreased from 50,000 to 25,000 medical items used.


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Snowed In? Here Are Our Favorite Snow Toys!Liz Stanley
Is it a winter wonderland where you live? A snow day is always a lot of fun with the family. Snow days used to mean sledding on cheap plastic or making snow balls by hand (imagine that!). But like everything, toys have evolved considerably the last couple decades. Now there are all sorts of fun gadgets and toys to help make snow days even more fun. We've rounded up our favorite snow toys so a day snowed-in doesn't mean you have to stay indoors!
Keep reading to see our favorites and where to get this classic pull sled for baby!
Bambino Pull Sled $189 (above)
Snowball Makers $6.95
Inflatable Kiddie Ice Rink $42.99
Snow Bricker from Land of Nod $5.95 on sale
Mini Luge Snow Sled from Amazon$37.03
Sno-Fling– Snoball maker and Thrower $20.99
Other post of mine you might like:
The Best Thing to Happen to Your Baby's Feet This Winter!
Snow Bricks! The Coolest Snow Toy Around!


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Avalon Hotel
Rooms 101 Architecture Semrén-Månsson Interior Design Input Interiör
The Original Torbjörn L. Johansson
Design Input Interiör
The Original Torbjörn L. Johansson
Check Availability & Reserve
Find the best accomodation for your upcoming stay. Why book with us?
- Adult
- Children
Why book with us?
The ultramodern and welcoming Avalon Hotel in central Gothenburg is an oasis of inspiration. The urban location combines access to shopping, restaurants, culture, and nightlife, with excellent personal service and modern design down to the smallest detail. Each of the 101 rooms is uniquely furnished in a minimalist Scandinavian style, with a purity and attention to detail that inspire creativity and relaxation. The same relaxed, international atmosphere that pervades the design can be enjoyed at the bar and restaurant, which offers dishes made from seasonal ingredients and a fine selection of wine and cocktails. The building's facade, with its signature rooftop glass swimming pool protruding over Kungsportsplatsen, has become a popular element of the Gothenburg skyline.
Rooms & Suites
Each of the unique 101 rooms features a minimalist Scandinavian style, and the hotel walls are adorned with exciting artwork. High quality Scandinavian brands and designers, such Kasthall's handtufted rugs and Arne Jacobsen's Egg and Swan chairs, add the right splashes of color, making for a luxurious but fun design. Select rooms have unique features, such as a generous balcony, an open-plan bathroom, a private gym, or a circular bed. There's even a jogging map in the rooms to help guests discover Gothenburg while staying fit.
Semrén & Månsson Arkitektkontor
Located in the vibrant downtown area of an ancient port city, Avalon is a destination in its own right. The modern building features jutting angles, a mix of low and high ceilings, and abundant use of wide swathes of light wood. From the penthouse terrace and the rooftop glass swimming pool that peers over Kungsportsplatsen, guests can take in panoramic views of Gothenburg's main boulevards and the Storan theater.
Every detail, from lighting to artwork, helps contribute to the overall aesthetic pleasure; but this is no cold paradise, rather a testimony to an emerging holistic school of design and comfort in Scandinavia.
Holistic Comfort
101 spacious rooms embrace a rough-hewn theme, managing to be both modern and cozy with their wood accents and low-slung feel.
101 spacious rooms embrace a rough-hewn theme, managing to be both modern and cozy with their wood accents and low-slung feel.
Every detail, from lighting to artwork, helps contribute to the overall aesthetic pleasure; but this is no cold paradise, rather a testimony to an emerging holistic school of design and comfort in Scandinavia.
Torbjörn Johansson
Torbjörn L. Johansson's first love was sailing, but in order to afford his beloved archipelago cruiser he soon turned his interests toward the hotel and restaurant industry. With an affinity for wine, design, and the sea, and a passion for corporate responsibility that has continually solidified over the years, Johansson likens the dynamics of hotel design to creating one's own universe.
Value Promotion
Get Up to 20% off
Includes daily breakfast
Stay three nights and only pay for two!
Includes daily breakfast
Business Unusual
Free cancellation until 2PM on the day of arrival
Includes breakfast & laundry or ironing service
Priority for early check-in & late check-out


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Login | Checkout | My Account | Shopping Cart Now in your cart 0 items
Soignee Facial Care
Anti-Wrinkle Cream, 2oz - Soignee
Our SAW (Soignee Anti-Wrinkle) day moisturizer is the ultimate collagen booster, helping prolong and protect the resilient beauty of youthful skin, making you look and feel younger. Our anti-wrinkle cream is light, smooth and so silky! Heal the damage caused by stress, pre-mature aging and sun damage, all naturally.
These statements have not been evaluated by the FDA. This product is not intended to diagnose, treat, cure or prevent any disease.


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Lee Knowlton (Sales)email@example.com
Michael Gonzalez (Operations)(714) firstname.lastname@example.com
With 34 Houston Massage Envy locations, we
have plenty for you to choose from. Massage Therapy is a great way
to alleviate stress and with weeknights and weekend hours you are
bound to find something that can accommodate your busy
This Mother's Day, surprise mom with the perfect gift. Stop into your local Massage Envy to choose from three new gift sets: Murad AHA/BHA Cleanser and Hand Cream, Whish Trio in Reusable Jewelry Box with exclusive Kabosu Sea Salt scent, Rare Earth Kit with Hand Cream and Roller Ball Fragrance. Once you've chosen a gift set, pick out a candle she'll love. Think she'd prefer a little relaxation? Help mom take care of herself by gifting her a massage. With every $125 gift card purchase, you'll receive a 30-minute upgrade with choice of Enhanced Therapy. See your local Massage Envy for details. Offer valid from April 15 through May 8. Offer not valid online.
Sign up to receive timely Massage Envy Houston news and promotions.
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A Career at Massage Envy Spa: An Introduction
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Wound Care | 3M Wound Care - 3M Tape - Wound Care Dressing.
3M Wound care products are designed to help manage wounds in both everyday and emergency situations. All 3M Tape is hypoallergenic, so it will be less irritating to sensitive skin. Wound care dressings by 3M are absorbers, foam protectors, silver dressings and alginate. 3M Medical tape or 3M bandages can be used with non-adhesive wound dressings to secure them onto the wound. 3M Wound Care products also include first aid bandages, gauze bandages and skin prep products.
3M Wound Care Products Patient Applications
- Use 3M Bandages for: Applying Mild Compression, Securing Primary Dressings, Protecting Sensitive Areas.
- Use 3M First Aid Products for: Closing Small Cuts and Incisions, Covering and Protecting Wounds.
- Use 3M Gauze for: Wrapping Wounds, Secondary Dressing, and as an Undercast Material.
- Use 3M Wound Dressings for: Filling Cavity Wounds, Covering a Wound with High Exudate, and Skin Protection.
- Use 3M Tape for: Patients with Contact Dermatitis, Securing Absorbent Dressings, Applying Mild Compression, Protecting Non-Draining Wounds.


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14 's
Check out now. Fast, Easy, Secure Checkout.
Color: Silver
Thanks for visiting our store - check back often as we are busy in the studio daily ... keep up with our works-in-progress at www.claytonhills.com
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DNS logging and tools
Data Retention
Keep the data forever. Seriously, storage space is cheap – whether you use tape, HD, or a cloud provider. DNS logs (and, in fact, all logs) can be a lifesaver if you end up having to deal with a large-scale incident or an incident that spans weeks or months.
Right now, for example, various law enforcement agencies are publishing IP addresses of known bad DNS servers associated with various malware. Adding these to your RPZ blocking rules is great, but what about systems that have already been infected? If you have the logs, you can simply search them for the IP address and rapidly determine which systems may be infected. So, unless you have a compelling legal or business reason not to, I strongly advise keeping the log data forever.
For reference, I personally average about 1MB of DNS query logs per day and several megabytes of replies – so, 2GB per year, per heavy user. I spend a lot of time on Reddit, so Chrome does a lot of DNS lookups.
If I had known how easy this process was and how useful the information could be, I would have done it years ago. Although you are potentially looking at a few gigabytes per user per year to store all of the data, you should remember that these records will compress very efficiently. For example, a good 10 percent of my logs consist of my VOIP phone making the same query for its SIP server every five minutes.
Kurt Seifried
Kurt Seifried is an Information Security Consultant specializing in Linux and networks since 1996. He often wonders how it is that technology works on a large scale but often fails on a small scale.
- "DNS Security" by Kurt Seifried: http://www.linux-magazine.com/Issues/2014/161/Security-Lessons-DNS-Security
- How to capture network packets to MySQL: http://stackoverflow.com/questions/7407070/how-to-capture-network-packets-to-mysql
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Ubuntu 16.04 LTS released
"Xenial Xerus" comes with a new packages format and several improvements for the enterprise.
Microsoft Visual Studio Code v1.0 is Available for Linux!
Linux users can now download and install the Windows code editor
Open Container Initiative announces Image Format Project
New initiative will address security and interoperability concerns around container technology.
Red Hat Lures Developers with Free RHEL and Container Development Kits
Developers can use RHEL as a development platform without a subscription fee.
Microsoft Brings the Linux Command Line to Windows
Windows users will soon have native access to the Bash shell.
Internet Research Group Proposes Better Email Standard
Improvements to SMTP will provide better guarantee of confidentiality
New Nvidia Driver Offers Wayland Support
Graphics vendor embraces new reality in Linux graphics
Inventor of Email Dies
Pioneer Ray Tomlinson bequeathed the @ sign to billions of Internet users
Microsoft Announces Linux Version of SQL Server
Redmond says its classic database tool will run without Windows
Strange New Attack Lets an Intruder Gain Access Through a Mouse Dongle
New intrusion technique affects most non-Bluetooth wireless mice


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All Comments (2)
thats so hot dude I wish i could have joined
recently i got together with my friend and his wife. she sucked us both at once. we all got off on it! rubbing our cockheads together in her mouth - it's incredible. we jacked off and sprayed our come all over her face, and each other's cock, too!


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The Republic will be following Leslie Rude in her preparation for the Sept. 27 Mill Race Marathon. Look for her next runner's diary July 27. Contact Rude for tips, advice or encouragement at firstname.lastname@example.com.
Someone asked me how the training is going, and I told them to ask me again in a week.
I'm feeling really sore because of vacationing in New Orleans for six days.
I was not taking my training as seriously as I should have, and the most I did was three miles while I was there. The most cross-training I did was 30 minutes of kickboxing.
I had thought because school's starting soon and I'm on vacation, I should be able to relax.
The 9-mile run Sunday morning really hurt me. As painful as it was, it was a confidence boost. Even if I'm in pain, I can still do it.
I'm lucky I vacationed the week where the miles dropped backward, and I think I'll feel ready since I have the whole week to get my endurance back up and prepare.
The training I did fit in was rough, considering the humidity and the extra "fuel" I was feeding my body.
I took water with me, and running along the water helped a little bit, but it was hot. I eventually had to leave the water and run along the tall buildings so I could be in the shade. There were tons of people running and enjoying the view, so I felt very safe.
Training schedule
Monday: Rest day, but with a lot of walking
Tuesday: Run 3 miles
Wednesday: Cardio kickboxing and Kenpo X video
Thursday: Run 2 miles
Friday: Cardio kickboxing and ab workout
Saturday: Rest day
Sunday: Long, 9-mile run
The food was delicious, don't get me wrong, but my stomach did not do so well. I'm pretty sure I got food poisoning. I felt kind of sluggish from all the food, but I'm only in New Orleans once. I'd probably do it all again.
Maybe I just psyched myself out with the long run on Sunday, but it was painful. I was moving slow and my knees started hurting and that hasn't happened before.
I'm hoping just getting back into the swing of things this week and being at home and back in the routine will help.
Glyn Price, my friend and running mentor, is out of town for a short time, so whatever I do will be on my own. It will be a test of pushing myself without someone else weighing in on my training.
I am a little hesitant, but I'm sure I will be ready.


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New Products
Rhea, Marji, American Cinematographer
NAB Product Debuts
Long-throw UV Lights
The new WF 250 series of long-throw UV lighting fixtures from Wildfire are high-intensity black lights designed to powerfully illuminate fluorescent materials at distances from 10 to 75 feet. These new fixtures are available in three models: a 20-degree spot, a 50-degree medium spot and a 90-degree flood. All three models come in indoor or outdoor versions. All Wildfire fixtures are supplied with heat-resistant black glass filters which will not fade or scratch. The unit weighs 28 pounds and comes supplied with an integrated ballast (120v/ 60Hz, 2.5 Amps), automatic safety cut-off switch, mounting bail, pipe clamp, safety cable and one-year warranty.
For information: Wildfire Inc., 11250 Playa Court, Culver City 90230, (800) 937-8065.
Tripod Line
Miller Fluid Heads has a new range of carbon fiber and alloy ENG/EFP camera tripods, designed to suit a wide range of pan and tilt heads. The Miller Series Il ENG/EFP camera tripod includes the Lightweight, for use with small CCD cameras and broadcast camcorders; the Single Stage, for ENG/EFP cameras up to 25 kg.; and the 2-Stage, which delivers optimum torsional rigidity and a large operating height range to a wide selection of ENG and EFP camera systems.
The Series II models feature Miller's new Pro-Lok torque limited leg clamps which provide a maintenance-free, single-turn clamp-and-release method of adjusting tripod leg height. Redesigned 75mm and 100mm tripod bowls make the Series II tripods suitable for attachment to most makes of heads. The new bowls increase clamping strength and provide a torsion-free attachment to tripod legs. A revised leg angle lock system (for tripod mounting without a spreader) now incorporates a "knock-proof" locking mechanism to eliminate accidental engagement.
Each of the three Series Il models is available in a choice of either alloy, utilizing specially milled, hard anodized aluminum tubing of high-strength, cross-laminated carbon fiber.
For information: Miller Fluid Heads, USA, (201) 473-9592, FAX (201) 473-9693.
Camera Support Products
Cinekinetic released seven new products at NAB '94. The Microlite Jib, one of the lightest full-length fully professional tripod-mounted jib arms, weighs in at only 15 pounds but can support cameras weighing up to 50 pounds. The jib is available with either a standard jib arm length of 55 inches or in a sports model, with an arm length of 27 inches. Setup time is less than ten seconds. The Microlite Jib offers clutch-controlled ball-bearing assemblies, which provide smooth pan and tongue moves and offers full lock and variable drag through all axes.
The Nunano is one of the smallest and lightest jibs in existence. With a radius span of only 12 inches, it enables the camera operator to get dynamic grab shots with instantaneous setup. The Nunano can handle most 35mm film cameras as well as a complete range of dockable video cameras. it can be mounted on a tripod, column, or Cinekinetic's new Clever Clamp. The Clever Clamp lets the camera operator clamp a camera to any vertical, horizontal or angled support. Its jaws open wide enough to be clamped to a brick wall or tree. It is available with either a 100mm or 150mm bowl (as are all of Cinekinetic's products).
The Jib Stix is Cinekinetic's first entry into the tripod market. It is a heavy duty, lightweight tripod capable of supporting all of Cinekinetic's jib arms. The two-stage tripod folds to only 27 inches. Its robust construction means there is no whip, a problem often associated with lightweight tripods.
The Clayton's Head provides a camera platform only two inches above the tripod and weighs less than one pound. The head is designed to be used when making locked-off shots; no tilt or pan facility is provided. When mounted on a jib, the camera can fit through the windows of most current automobiles.
The Climbing Column is height-adjustable, offers a built-in seat, and makes unobstructed 360-degree camera pans possible. …


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North London
Moment shopkeepers chase down armed robbers with meat cleavers
This is the incredible moment brave shopkeepers tried to thwart a gang of armed robbers by throwing meat cleavers and wooden pallets.
Armed robbers target north London jewellers in 'smash-and-grab'
A man has been arrested after a gang of armed robbers targeted a jewellers in north London this afternoon.
Eight people injured after minibus collides with van in north London
Man beats passenger with his belt in unprovoked attack on bus in north
Police investigate after windows of kosher restaurant is smashed in
Myleene Klass gives scathing response after school mum asks parents to
Cyclist in hospital with 'life-changing' injuries following crash with


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Haste Laid Waste
The way Jerry Flannery sees it, the four-alarm fire that brought down Dania Hall last month was an unmitigated tragedy. "So many people have worked for years on this project," he mourns, "and to have it all end up like this, well, it's a tremendous loss to everyone involved." Flannery would know: He heads St. Paul-based Flannery Construction Company Inc., the firm that had been renovating the 113-year-old landmark at 427 Cedar Ave. just east of downtown Minneapolis. By the time the blaze began on February 28, Flannery's company was well on its way to transforming the hall into a vibrant community center and performance space, complete with retail shops.
Of course, when all is said and done, the fire might not cost Flannery Construction much at all: The company was insured for its equipment, and Flannery has already filed a claim to recoup his losses.
The Cedar-Riverside neighborhood and its West Bank Community Development Corporation might have a tougher time finding someone to make them whole. The two groups had earmarked more than $1.5 million in Neighborhood Revitalization Program (NRP) funding for the $2.7 million renovation project; nearly $1 million had been spent when the building burned. And Dania Hall itself was not covered by an insurance policy. Its owner, the City of Minneapolis, was self-insured. (In order to avoid the costs associated with purchasing insurance, municipalities commonly "self-insure" by guaranteeing that losses will be covered by existing assets.)
John Hulkonen, director of economic activity for the West Bank CDC, says he expects the city to figure out some way to get the neighborhood its $1 million back: "Whether the city is self-insured or has a carrier, it has a responsibility to cover its losses," Hulkonen reasons. "How could the neighborhood bear the brunt of this?"
To Hulkonen, no doubt, that's a rhetorical question. But Gary Winter, assistant development counsel for the Minneapolis Community Development Agency (MCDA), has an answer--and it's one Hulkonen won't like. The city has no obligation to make good on Cedar-Riverside's losses and doesn't intend to, Winter asserts. In fact, he says, the neighborhood has only itself to blame for the financial fiasco.
For one thing, according to city requirements, contractors on NRP projects must "carry insurance policies in amounts and content adequate to cover their NRP activities." But Winter says the West Bank CDC shrugged off the requirement and let Flannery begin construction last August without arranging for the proper coverage.
Moreover, Winter says, the CDC went forward with the project despite the MCDA's recommendation to wait until the city negotiated a deal to sell Dania Hall to the private developer who was slated to take over the project. Had the building been sold, it would have been the responsibility of the developer, the Dania Hall Group Limited Partnership, to purchase insurance. The partnership also would have been responsible for bringing in a contractor, sparing the city and the neighborhood that headache as well. "It was the neighborhood and its leaders, ignoring the advice of the MCDA, that overzealously pushed forth this project before we had completed negotiations to at least create a risk-assessment with the developer," Winter contends. (Representatives of the Dania Hall Group did not return phone calls requesting comment for this story.)
Still, Hulkonen stands by his assertion that the city, as owner of the property, should be required to cover the damage. He says members of his organization felt they had little choice but to aggressively pursue the project. "You need to have development begin in order to attract tenants, and the developer wasn't willing to start at ground zero," he explains. "We had to begin the process." The neighborhood, Hulkonen notes, had been waiting nearly ten years to see Dania Hall reborn. Various renovation plans had fallen through during the past decade, and when the latest plan--to turn the 17,000-square-foot building into retail storefronts and restore its two-story auditorium--won approval in 1998, he says, everyone was anxious to get it under way. "We wanted to create a positive influence for potential tenants to see, with all of the unsuccessful renovation projects for Dania Hall in the past," Hulkonen recalls. "There had to be some tangible evidence of something happening in order to do that."
Hulkonen's line of reasoning fails to impress Gary Winter. "By insisting that this project go forth in what was to our minds a premature fashion, they put their interests at risk," says the MCDA attorney.
Blame aside, it remains unclear what might happen once the mess gets cleaned up. Neighborhood leaders and city officials say they're still coming to grips with the collapse of a project they had hoped would be ready for ribbon-cutting in June. "There's so much that needs to be taken care of that we just aren't to that point yet," says Brian Steeves, the MCDA's Dania Hall project coordinator: Neighborhood leaders and the city, he explains, need to figure out whether Cedar-Riverside will get its community center, and where the money for such a venture might come from. The issue of insurance--or the lack thereof--does loom, Steeves acknowledges. "The loss is going to come from somewhere," he muses. "And nobody is going to want to take it."
In the meantime Jerry Flannery waits for his insurance check--and so, it turns out, does the MCDA. Gary Winter says he intends to file a claim for a portion of any settlement Flannery negotiates. The proceeds, he's quick to point out, would go toward defraying the MCDA's Dania Hall-related losses (a comparatively paltry $260,000 and change), not to refilling Cedar-Riverside's depleted NRP coffers.
Flannery won't comment on any aspect of his insurance negotiations, including the MCDA's possible involvement. "The real focus shouldn't be on the insurance money," he insists, but on the loss to the community."
Easy for him to say.
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Volcano Corporation To Offer $350 Million Convertible Senior Notes Due 2017
SAN DIEGO, Dec. 3, 2012 /PRNewswire/ -- Volcano Corporation (NASDAQ: VOLC) today announced its intention to offer, subject to market and other conditions, $350 million principal amount of convertible senior notes due December 1, 2017 in an offering registered under the Securities Act of 1933, as amended. Prior to August 7, 2017, the notes will be convertible only upon certain circumstances and during certain periods. Upon conversion, holders will receive up to the principal amount of the notes in cash and any excess conversion value in shares of Volcano's common stock. Volcano also expects to grant the underwriters of the offering an option to purchase up to $52.5 million aggregate principal amount of additional notes to cover over-allotments. The notes will be general senior unsecured obligations of Volcano and will pay interest semi-annually. The interest rate, conversion rate, offering price and other terms will be determined at the time of pricing of the offering. Volcano expects to use a portion of the net proceeds of the offering of the notes to pay the costs of the convertible note hedge transactions described below, taking into account the proceeds of the warrant transactions described below, and may use up to approximately $50.0 million of the net proceeds from the offering to fund repurchases of its outstanding 2.875% Convertible Senior Notes due 2015 (the "2015 Notes"). Volcano may also use a portion of the net proceeds to invest in or acquire complementary products, businesses or technologies. The remaining net proceeds are intended for working capital and general corporate purposes.In connection with any repurchases of Volcano's outstanding 2015 Notes, Volcano expects to terminate the convertible note hedge transactions and warrant transactions it entered into at the time of the offering of the 2015 Notes in an amount corresponding to the portion of the 2015 Notes so repurchased, and Volcano expects to receive from its counterparty to these transactions a net payment resulting from such partial termination, the amount of which will depend on many factors, including, without limitation, the market price of Volcano's common stock and overall market conditions at the time these transactions are partially terminated. Volcano has been advised by its counterparty to these transactions that it or its affiliate does not expect to unwind its existing hedge positions with respect to these transactions and will instead use these existing hedge positions in connection with establishing its initial hedge positions with respect to the convertible note hedge transactions and warrant transactions entered into in connection with this offering of notes.
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Is it possible to have the thumbnails displayed within their size parameters, only cropped and not resized? Since I'm using the "first image" setting, the images are being resized but aren't keeping their aspect ratio and look stretched.
Also, is there a page that clarifies the different settings? e.g.
Thumbnail Must Exist:
Thumbnail Default Exist:
Thumbnail Default Display:
Thumbnail Link To Post:
Thumbnail On RSS:
Thumbnail Resize All:
Thumbnail Use Inner Style:
Thumbnail Keep Original:


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Rickenbacker Flights
Allegiant schedule
Airlines and Destinations
Allegiant Air offers nonstop service from Columbus (Rickenbacker International Airport) to Fort Lauderdale, Orlando-Sanford, Punta Gorda, and St. Petersburg. Allegiant also provides seasonal service to Jacksonville, Myrtle Beach, New Orleans, and Savannah. To learn more about flight schedules and book your next vacation, visit Allegiant.com.
Parking is available directly in front of the Charter Terminal.
Bob Evans Express is now operating in the Rickenbacker Terminal. Hungry passengers can enjoy local on-the-go fare including fresh-baked biscuit breakfast sandwiches, hot bratwurst sandwiches, and a portable buttermilk waffle on a stick called the Waffle K-Bob.
Bob Evans Express is open only during scheduled flight times and accessible to travelers post-security.
Address & Directions
2241 John Circle Drive
From I-270, exit at Alum Creek Drive (exit 49).
Rental Car