text:
Mega Meat Eater Reflects on Meatless Week
Last Monday in this space, we met Seattle food writer Lorna Yee, a devout meat lover about to embark on a personal first: a week without meat. Yee, who's been chronicling her meatless journey in her blog, The Cookbook Chronicles, not only met her challenge; she's planning another bacon-less stretch later this summer. Our "after" Q/A follows.
Lorna, it's seven days later. How are you doing both physically and emotionally after a week without your beloved meat?
I'll be honest — the first four days were seriously tough. My energy was low, even though I was paying close attention keeping my caloric intake high since I'm a runner. I normally run about 9 miles a few times a week, and on Day 4, I could only manage 2 miles before I gave up and went home because I felt utterly exhausted. On Day 5, my body somehow adjusted to the lack of meat, and the brain fog cleared. I felt as energetic as always. On Day 6, I breezed through a 9 miler with the same ease as when I was eating meat.
Was there ever a moment you thought you might cave and not make it to the meatless finish line?
We had dinner with a big group of friends at my favorite Thai restaurant, on Wednesday. I had been looking forward to the meal for a long time, and it was a little hard sitting through the meal with only a few permissible items on the table. Still, the food was so incredibly fresh and flavorful that I didn't feel deprived at all. I thoroughly enjoyed my fried tofu "King of Garlic", my vegetarian summer noodles and a spicy/sour tofu dish called "Ayyuthya Garden."
And what about plant-based protein? Any new discoveries?
Well, I've discovered that maybe tempeh is not for me. I didn't quite enjoy the texture of the product I bought as much as I thought I would, though some kind commenters on my blog have suggested that steaming the tempeh first before frying makes it more delicious. I've had quinoa before in restaurants, but cooked it for the first time at home this week. (KOD note: Yee needs to take a few tempeh cues from my T&T comrades Bryant Terry, Isa Chandra Moskowitz & Mollie Katzen. See links at the bottom of this page.)
I've grown up eating tofu, though it wasn't until this week that I learned that you could cube up firm tofu, drizzle with oil, and roast it in the oven until crisp. I tossed the roasted tofu in a sauce made with sambal oelek, soy sauce, Chinese black vinegar, ketjap manis (Indonesian sweet soy sauce), minced garlic, ginger, and scallions, and a bit of sesame oil. I served that over curry udon (recipe details below), and it was one of our favorite meals this week. I also made falafel at home for the first time!
How did your husband manage?
My husband was great and very supportive–I didn't originally ask him to join me in Meatless Week, since I know he's a die-hard pork fan! But he joined on his own accord, and went four straight days without meat. On the fifth day, we had dinner at our friend Mardi and Dion's house and they made smoked chicken, and he had some. (I ate a cheesy kale gratin I bought to share, and our friends did a wonderful platter of smoked butternut squash, fingerling potatoes, and purple potatoes for me. Heaven!) He went meatless again on the 6th day. So in the end, he didn't do the entire week with me, but he did eat far less meat than he normally does. I am very proud of him.
Has this week-long experiment changed your relationship with meat, and if so, how?
After four days, I began to realize that I didn't really need to have it for every meal. The dinner at our friend's house on Day 5, when they made me that plate of smoked squash and potatoes, was the first meal when I didn't feel like I was missing out on anything. We all ate salad, and bread, and enjoyed various beers that evening, and the only two items I couldn't touch were the cured meats on the pre-dinner nibbles platter, and the smoked chicken. (My husband assures me it was delicious, though!) I had such a good time at our friends' house, laughing and eating and drinking. We finished the night with some Nutella blondies (Recipe is on my blog).
Dare I ask: Will there be another meatless week in your future anytime soon? Or some variation?
Yes! I have already planned my next meatless week for August 16-22. In the late summer, the farmers' markets in Seattle are really at their full potential. I am looking forward to heirloom tomato and burrata salads, and baba ghanoush, and roasted veggie pasta salads. It's my wish to get as many bloggers involved in Meatless Week as possible. Meatless Monday is a very worthy idea, and I plan to continue with that, but Meatless Week does, in theory, even more for the environment, and I really enjoy the challenge of going a full week without meat.
Lorna Yee's Curry Udon With Roasted Tofu
Ingredients: Curry Udon
1 tbsp vegetable oil
1/2 medium onion, sliced thinly
1/4 cup peas
2 blocks of Japanese curry, like Vermont Curry (KOD note: No Japanese curry available? Use 2-3 tablespoons of Indian-style garam masala.)
1/2 cup hot water
2 packages frozen udon noodles (KOD note: available in frozen noodle section of Asian markets; dried udon noodles not as chewy or thick, but will work in a pinch)
In a skillet, heat the oil on medium-high heat. Add the onion and cook until golden brown and softened, about 7 minutes. Add the peas. Add the curry and the water, stirring until the curry has dissolved into a thick sauce. Set aside.
Cook the udon according to package directions. Add the udon to the curry sauce, and toss with tongs until well coated.
Ingredients: Asian Roasted Tofu
1 package firm tofu, drained and cut into 1-inch pieces
2 tablespoons vegetable oil
1 clove garlic, finely chopped
1/2 teaspoon fresh ginger, finely minced
1 tablespoons scallions, finely minced
few thin slices of jalapeno or your favorite pepper (optional)
1 teaspoon light soy sauce
1 teaspoon dark soy sauce
1 teaspoon kecap manis (Indonesian sweet soy sauce)
2 teaspoons Asian chili oil or hot sauce (optional)
2 teaspoons Chinese black vinegar
1/2 teaspoon sesame oil
Preheat the oven to 450 degrees. Line a baking sheet with parchment paper.
Toss the tofu in the oil, and spread out the pieces on the parchment. Roast for 30 minutes, until golden brown and crisp.
Meanwhile, add the remaining ingredients to a bowl, and whisk to combine. When the tofu is cooked, toss the tofu in the sauce, and serve over curry udon. Top with additional hot sauce if desired.
Makes 2-3 entree-size servings.
Related articles by Zemanta
- A Meatless Week for a Mega Meat Eater (trueslant.com)
- Tofu 101: Kicking Off the T&T Challenge (trueslant.com)
- T&T Challenge: Talkin' Tempeh With Isa Chandra Moskowitz (trueslant.com)
- T&T Challenge: Tempeh ABCs With Mollie Katzen (trueslant.com)
- T&T Challenge: Taking Tempeh to the Next Level (trueslant.com)
Called-Out Comments All comments
Post your comment »
Called-Out Comments All comments
Post Your Comment
You must be logged in to post a comment
T/S Members
Log in with your True/Slant account.
Haven't Registered Yet?
Create an account to join True/Slant now.


text:
Join or Sign In
I started sewing when I was 8. In 1992, I discovered quilting. Now, in addition to quilting, I am making all kinds of stuff, especially handbags. I chronicle my sewing adventures on my blog, www.LauraSewsStuff.com. I hope you will visit me there!
Finished in time for ...
October 2013
July Tumbling Blocks
June Block
May - Strippy Spools
April - Fan Block
March - Economy Block
February - Spring ...
Block 1 - Offset Log ...
Take Craftsy with you!
Craftsy Apps for iOS and Android. Read more »

subset: commoncrawl


text:
Picks are based on fundamental strength
It's not all champagne and caviar
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
Not yet, at least. According to a statement issued to
The Next Web
, Lenovo is downplaying reports that it is
looking at BlackBerry maker
Research In Motion (NASDAQ:
) as a possible acquisition target.
"In general, we do not comment on M&A rumors or
speculation," the statement read. "We are aware that Lenovo's CFO
[Wong Wai Ming] was speaking broadly about M&A strategy in a
recent interview. RIM was raised as a potential target by the
journalist and Mr. Wong repeatedly answered in a manner
consistent with all of our previous statements on M&A
strategy: Lenovo is very focused on growing its business, both
organically and through M&A. When inorganic ideas arise, we
explore them to see if there is a strategic fit."
Thus, Research In Motion must still search for a buyer -- if
it wants one. At this point there is no reason to believe that
the company should or wants to be acquired.
It may have explored the possibility of a buyout last year (at
which time things were not looking good for the company,
especially after BlackBerry 10 was delayed), but that does not
mean Research In Motion intends to sell. It may have merely
wanted a backup plan incase BlackBerry 10 fails.
Right now, one can only speculate on BB10's future. Investors,
which have helped Research In Motion's stock rise more than 130
percent over the last four months, seem to have a lot of faith in
the company's ability to turn things around. Some investors may
also be buying into the hope that Research In Motion will be
acquired whether BlackBerry 10 is successful or not.
Research In Motion is currently down more than seven percent.
This is significantly different from where the stock was two
weeks ago -- at that time, Research In Motion was up nearly six
Is this a sign of things to come for the golden child of Wall
Street? Research In Motion is up nearly 40 percent year to date.
If the company continues to decline (RIM dropped two percent last
week), those gains could be greatly diminished.
In fact, this is exactly what happened to another tech giant
-- Apple (NASDAQ:
). In the first half of 2012, Apple rose more than 37 percent.
During the latter four months, Apple declined by roughly 20
Follow me
(c) 2013 Benzinga.com. Benzinga does not provide investment
advice. All rights reserved.
Gain access to more investing ideas, tools & education.
Get Started on Marketfy, the first ever curated
& verified Marketplace for everything trading.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
Enter up to 25 symbols separated by commas or spaces in the text box below. These symbols will be available during your session for use on applicable pages.
You have selected to change your default setting for the Quote Search. This will now be your default target page;
unless you change your configuration again, or you delete your
cookies. Are you sure you want to change your settings?


text:
By ELISE McKEOWN SKOLNICK
Typical dog items – water and food bowls, chains, and dog houses – were scattered on the grassy area in front of Family Video.
But the occupants of the dog houses on the corner of Kirk and Raccoon roads were far from typical. Four women, wearing collars that were attached to chains staked into the ground, sat in front of or laid in the dog houses.
"We're bringing awareness to dogs that spend their entire life outside, just to try to bring awareness to the fact that it's not a life to live," said Carla Touville, a co-founder of Safe at Last Dog Rescue, sponsor of
Saturday's 14-hour event.
Dogs that live chained outside run the risk of hanging themselves on their chains and typically don't have
access to adequate shelter or food, Touville said.
Most also become aggressive, because of lack of
socialization with people and other pets, she added.
"I think a lot of times people don't really realize how bad it truly is and they feel that it's just OK to go ahead and put them outside,"
Touville said. "And it kind of ends their trouble because out-of-sight, out-of-mind."
Toni Iacobacci, a co-founder of Safe at Last, said raising awareness was worth dealing with the windy weather and chilly temperatures.
"I drive past a chained dog every single day, twice a day," Iacobacci said. "And it breaks my heart to see him out there 24/7, day in, day out, chained to a house, with a bucket of water. He watches his family walk by him every single day and they do not pet him, they do not acknowledge him, they just leave him chained to that house every single day."
Iacobacci lost a dog, Daisy, to heartworm. She rescued Daisy from a dog pound after the small animal spent the first couple of years of her life chained outside.
"If she had not been chained outside she probably would never have contracted heartworm disease," Iacobacci said.
Debbie Deeley, of Fowler, stopped by the event to help the organization.
"I think it's very commendable what these people are doing," she said. "And I love animals and someone needs to help them."
She purchased raffle tickets and made a monetary donation to Safe at Last.
"I think these people are very special," Deeley said. "The animals can't speak for themselves."
A basket auction, iPad raffle, and refreshments were included in the event. Dogs available for adoption were also present.
Safe at Last has adoption events at Family Video from 4 to 9 p.m. the first Saturday of every month.
Safe at Last Dog Rescue was founded in October 2011 to find new homes for animals from area pounds, those no longer wanted by their owners, or strays that members find.
To date, the Mahoning County-based group has found homes for more than 55 dogs and has 25 in foster homes.
For more information, go to www.safeatlast.petfinder.com http://www.safeatlast.petfinder.com/ .
I hate to see a dog tied and neglected. Why bother having one if that is how you treat it, kudos to this group for bringing the plight of these "pets" to our attention
Hey Opinionated people ! Mine is outside and it's a Beagle . A Hunting dog ! No way and in Hell would I bring a Hunting dog in my home. One it'll mess the dogs nose up. And that means no Rabbits to KILL ! You people should use your energy against these worthless Politician's.And stay out of a DOGS LIFE. It's a DOG !!!!!
I love all animals including dogs, have 3 myself, but if it came down to it, I would skin them and eat them if I had to.
People are alot like sheep, all these dogs that are killed in the slaughter houses should be offered up for meat to the poor.
No excuse though for not taking care of your pets , if you cant take care of them and spend time with them you shouldnt have them.
One more thing grammar Nazi, go to hell !!!.
Sometimes the truth hurts. Chaining a dog outside 24/7 for years and years is cruel, and if you do that you are an idiot! Timothy I know hunters with Beagles and their dogs live inside and are outstanding hunters. Hats off to these ladies and anyone involved with human AND/OR animal issues.
A couple of years ago a friend of mine on the south side of Ytown had a neighbor who had a pit bull tied up in his back yard. It was standing in the freezing rain shaking from the cold. I called everyone I could to help this dog. FINALLY a Ytown police officer called the humane agent and he took him away (after the pos owners denied it was theirs). I called to adopt the dog and they said that I couldn't because it was a pit and thus deemed dangerous. They put him down shortly after. If I knew this would be the outcome I would have stolen him. This is not the first time I've encountered ruthless behavior from the humane agent. They always take the side of the worthless owners over a defenseless animal. Why do people think that animals are put here to ignore or abuse?
Jimmyd123, My thoughts exactly.
You know, these people think they know everything about everyone. Typical Busybodies that don't look at the whole story, only what they perceive as the truth.
Did you people watch these Dogs "24/7" to see that these dogs were chained up with "NO Interaction" with humans. You claim that there was " a bucket of water" for the dogs. If NO HUMAN interacted with them how did the Bucket of water get there?
You know if you folks spent time on something that would actually help. We could find a cancer cure or end starvation in the USA.
I think you are doing this to look good to friends and family, not to actually make a difference.or is it to get donations for your so called "Dog Rescue?"
I don't believe these dogs have zero human interaction (Water Buckets), and I believe this is just a publicity stunt for your "Dog Rescue" to get donations.
Wow ! Some people just don't get it ! I guess you have to be a real animal lover to get it !! So Sad.....
Funny how the people complain and what animal folks do, actually don't do anything for anyone or anything. They are lonely bitter people. So sad.
Wow, people sure are uneducated about animals and animal welfare.
I know several of these people in the Safe at Last Dog rescue and I can definitely say that things like this are not a publicity stunt for some random "rescue."
One of those interviewed at the event has spent numerous hours walking dogs at the pound, rescuing dogs from animal hoarders and the money raised is used to fully vet and treat abused and neglected animals in the youngstown area. This person has personally spent time with animals on the pounds 'death row' list just to ensure their last moments on this planet were not lonely. These animals have been abandoned for many reasons; family relocations, new puppy, no time, too old, no money for vet bills, mostly just lazy human beings. To donate time to these lonely and unwanted animals and know that they will be sadly put down because of neglect or abandonment is quite an emotional stressor, They still do it. Bottom line is they believe that these animals deserve happiness and security and safety regardless of their fate. 100% of the funds they raise go directly to caring for cats and dogs that they rescue from abusive situations. Some come from the pound others from local hoarders and even some that were from fighting rings. They personally provide food, water, shelter, socialization and love to these animals. They provide surgery and shots and even do much of the dirty work themselves. Deworming animals is not a fun task, hand feeding puppies that were found on the side of the road and abandoned is not fun or easy. These people have more true compassion and empathy than most people I know. They foster animals until proper homes are found and complete thorough inspections to ensure their animals are placed properly into forever homes. They deal with devastating loss and still maintain the strength to continue to raise awareness for important issues that are often ignored.
We need more people that care in the Youngstown community and maybe we could see some real change. Those that show no compassion to animals often show no compassion to humans either. It takes a very special kind of person to devote their time, energy, money and heart to any kind of cause. These people deserve front page for every event they host. With every news story they can reach more people and educate them on issues of animal abuse or neglect and educate individuals on canine behavior and how to properly care for their domesticated companions.
It is very unfortunate that there are people out there that are so misinformed about the animals they have and the community that they live in and around.
Safe at Last: Keep raising money and awareness; haters are going to hate due to their unfortunate bitterness and ignorance. Even with their negative and uneducated remarks, you still get the benefit of having your story heard.
When i was married my ex would tell me I was in the dog house. It was something That i enjoyed because it was nice and quiet. LOL
I had a Husky for 15 years---outside.
Would i bring him inside? Once,and he hated it.Wanted back out.He would rather sit out in the snow than go into his doghouse.Loved the snow!!
Nice job guys
redeye1@ I see why you use to be married !! Just kidding :):):)
Have a nice day
Map and jimmyd, Sorry it took me awhile to respond to your comment about me and dogs. 1st I own a farm and been around animals all my life. And your comment are lies and mis truths. All animals have ways to protect themselves. Horse's and Pigs roll in dirt and mud. Sally our Registrar beagle is out side and well. It's call shade, water, and holes they dig. While petting your friends beagle with a house nose think of that City People!


text:
Fujifilm MX-500 review
Started Apr 9, 2002 | User reviews thread
Shop cameras & lenses ▾
Unknown user 92036 • New Member • Posts: 1
Fujifilm MX-500 review
I have had the MX500 since Nov '99 and have found it to be reliable and an excellent camera for it's time. Image quality and true to life color are probably it's strongest points.
Although I am considering getting a newer Camera in the next 6 months, I shall definitely have a continued use for the old MX.
Great viewing & slide show options when using the Camera as a photo album.
Sometimes during battery changeover setup returns to defaults. No big deal, just convienence issue.
Slow shutter button response for unanticipated snapshot, but this is atypical of Cameras of this era.
1 megapixels • 1.8″ screen • 35 mm
Announced: Sep 25, 1998
|Unknown user 92036's score
|Average community score
|See all 12 reviews »
Reply to thread Reply with quote Complain
|Post ( )
|Posted by
|Apr 9, 2002
Keyboard shortcuts:
FForum PPrevious NNext WNext unread UUpvote SSubscribe RReply QQuote BBookmark MMy threads
Color scheme? Blue / Yellow


text:
The pace will be dizzying, rivaling last season's giddy carousel of 122 shows and 138 presentations. Back-to-back shows, cocktail parties and the occasional star-studded designer bash will crowd Milan Fashion Week (Sept. 22 to 29), with most major shows crunched into the last few days.
Reclusive Miuccia Prada no doubt will stir the crowd again, especially following last fall's curious mix of heavy shapes in beefy wools treated with a futuristic hand. Look for clues in her invitation.
Donatella Versace continues to refine her glam-slam sensibility with great tailoring, sensual shapes and accessories, while King Giorgio is coming off a season where he grabbed headlines with provocative comments about the future of his powerhouse company. Armani told German newspaper Handelsblatt that he was open to an offer by L'Oréal to buy the firm, only to retract the statement when the international press went crazy with the story.
Succession is the issue now at the house of Ferré, which is wrangling with designer Gianfranco Ferré's sudden death on June 17 of a brain hemorrhage at the age of 62. Names including the Viktor & Rolf duo and Alessandra Facchinetti have popped up as possible successors. But for spring, at least, the house will rely on its 35-member design team. Tonino Perna, IT Holding SpA chief, recently said, "[The] house must stay faithful to Ferré's design aesthetics while moving forward."
At Gucci, a smaller change is afoot. Word has it that designer Frida Giannini has replaced her former stylist with Emmanuelle Alt from French Vogue. Elsewhere, for this round, Manuele Malenotti, Belstaff's ceo, is trying to convince friend and frequent Armani front-row face George Clooney and actor Ewan McGregor to attend the spring show.
"Arte Italiana 1968-2007," running until Nov. 11, is Milan's answer to the Venice Biennale. Conceived by Vittorio Sgarbi, the city's controversial art critic and cultural councilor, the exhibition is a reconstruction of an alternative Italian art movement based on originality over notoriety. On display at the Palazzo Reale are some 200 works divided into four sections and representing the last four decades of Italian avant-garde art with movements of Pop Art, poor art and "transavanguardia" paintings. Domenico Gnoli, Renato Guttuso, Valerio Adami, Gianfranco Ferroni, Adelchi Mantovani, Lorenzo Tornabuoni and Giancarlo Vitali are among the featured artists. Your ticket also gets you into the exhibition "Mario Cavaglieri," featuring work by the 20th-century Italian painter who reproduced a social salon atmosphere with beautiful women and tactile landscapes.
From Sept. 24, Palazzo Reale also will host a retrospective of American photographer David LaChapelle, including an unedited series of works inspired by Michelangelo's Sistine Chapel that LaChapelle did last year. Videos, musical clips and documentaries made for the likes of Elton John, Robbie Williams, Britney Spears, Jennifer Lopez and Mariah Carey also will be shown.
"Arte Italiana 1968-2007," Palazzo Reale, 12 Piazza Duomo. Open Monday, 2:30 p.m–7:30 p.m; Tuesday, Wednesday, Friday–Sunday, 9:30 a.m–7:30 p.m; Thursday, 9:30 a.m–10:30 p.m.
Italian Extra Virgin Olive Oil
Olive oil may be a given for Italians, but foreigners seeking a healthy and tasty Italian souvenir must check out Chiù, a tiny store that bottles extra virgin olive oil from five different Italian regions—Lake Garda, Liguria, Tuscany, Puglia and Sicily. The customer selects the flavor's intensity, which varies from region to region, and the golden liquid is bottled then and there. Chiù, which means "more" in the Neapolitan dialect, carries select Italian products, especially fresh mozzarella, pasta, pâtés and homemade sauces. For safe transportation back home, the oil is stored in a wooden box or can be shipped directly. Chiù Mozzarella e Olio, 5 Via Pontaccio; +39.0.2805.2296
Azzedine Alaïa's Belt
Retail guru Carla Sozzani has no doubts when it comes to fall's splurge: Azzedine Alaïa's thick white leather belt that rings in at 800 euros, or about $1,095 at current exchange. It has a small copper buckle and complements any high-waisted bottom or dress. Known for his seductive and clinging clothes, Alaïa has fans that include Victoria Beckham, Madonna, Naomi Campbell and Charlotte Rampling, among others. Corso Como 10; +39.0.265.3531


text:
Major role: very important to the commercial theme or layout; shown in foreground and/or shown holding the product and/or appears to be speaking.
Minor role: average importance to the commercial theme or layout; does not appear to speak or handle product.
Background role: hard to find; not important to the commercial theme or layout.
Achiron Marilyn. 1986. "Finding the Perfect Pitch for Women". Adweek, July 7, pp. 35-36.
Browder Anthony T., ed. 1989. From the Browder File: 22 Essays on the African American Experience. Washington, D.C.: Institute of Karmic Guidance.
Bush Ronald, Paul Solomon, and Joseph Hair Jr. 1977. "There Are More Blacks in TV Commercials". Journal of Advertising Research 17 (February): 21-25.
Chinyelu Mamadou. 1991. "No Color in Magazine Ads". Black Enterprise (December): 11.
Colfax David, and Susan Sternberg. 1972. "The Perpetuation of Racial Stereotypes: Blacks in Mass Circulation Magazine Advertisements". Public Opinion Quarterly 36 (Spring): 7-18.
"The Color of Advertising". 1991. Emerge 3 (October): 9.
"Commercials Crossing the Color Line". 1968. Time, October 25, p. 83.
Cox Keith. 1970. "Social Effects of Integrated Advertising". Journal of Advertising Research 10 (April): 41-44.
Culley James, and Rex Bennett. 1976. "Selling Women, Selling Blacks". Journal of Communications 26 (Autumn): 160-74.
Davis Richard A. 1987. "Television Commercials and the Management of Spoiled Identity". Western Journal of Black Studies 11 (Summer): 59-63.
Djata. 1987. "Madison Avenue Blindly Ignores the Black Consumer". Business and Society Review 60 (Winter): 9-13.
Dominick Joseph, and Bradley Greenberg. 1970. "Three Seasons of Blacks on Television". Journal of Advertising 10 (April): 21-27.
Edwards Audrey. 1993. "From Aunt Jemima to Anita Hill: Media's Split Image of Black Women". Media Studies Journal 7 (Winter/Spring): 215-22.
Foote Cone, and Belding. 1970. Integrated Advertising: A Synthesis of Published Research and Opinion. Foote, Cone and Belding Research Department.
Gardner Marilyn, and Hy Gardner. 1983. "Glad You Asked That". Knoxville NewsSentinel, March 20, p. 14.
Geizer Ronald. 1971. "Advertising in Ebony. 1960 and 1969". Journalism Quarterly (Spring): 131-34.
Goffman Erving. 1961. Asylums. Garden City, N.Y.: Anchor Books.
Goodall Kenneth. 1972. "Blacks in Advertisements in the Post Mammy Era". Psychology Today 6 (October): 138.


text:
Map of siege operations against the defenses of Charleston harbor, 1863: showing batteries covering the descent upon Morris Island, July 10, and the subsequent operations resulting in the demolition of Ft. Sumter and the capture of Ft. Wagner & Batty. Gregg, September 7.
Date: [1891..1895]
Creator: United States. Army. Corps of Engineers.
Description: Map shows union and confederate fortifications on Morris Island and vicinity; marshes, causeways, roads, lighthouses, and shipwrecks. Includes legend. Relief shown by hachures. Scale [ca. 1:19,200].
Contributing Partner: University of Texas at Arlington Library
Johnson's North Carolina and South Carolina.
Date: 1865
Creator: Johnson, A. J. (Alvin Jewett), 1827-1884
Description: Map shows counties, cities and towns, roads, railroads, and swamps; layout of Charleston streets, coastal detail. Insets: Map of Charleston Harbor, images of Table Mountain, Chimney Rocks, and French Broad River. Includes index and illustrations. Relief shown by hachures. Scale [ca. 1:1,521,000].
Contributing Partner: University of Texas at Arlington Library


text:
July 15, 2009
LOGAN, Utah - Carissa Kalaba has been named Utah State head softball coach, it was announced Wednesday by Athletics Director Scott Barnes. Kalaba becomes the eighth head coach in 33 years of Aggie softball.
"Carissa has a great pedigree having been an elite player at the Pac-10 level along with her success as a head coach," Barnes said. "It is evident that Carissa has great energy and passion for helping young women reach their potential in softball, academics and in life. She will be a great addition to our team."
Kalaba (Cal-uh-ba) comes to Utah State after five seasons at Biola University in La Mirada, Calif. Biola is part of the National Association of Intercollegiate Athletics (NAIA). While at Biola, Kalaba led the Eagles to five-straight playoff appearances, the longest streak in the program's 17-year history. Her teams also finished no lower than fifth in the tough Golden State Athletic Conference (GSAC), posting an overall mark of 59-61. During her tenure at Biola, she compiled an overall record of 143-93 (.606 winning percentage), averaging just under 29 wins per year.
"I am honored with the opportunity Utah State University has given me to be the head coach of the Aggie softball program," Kalaba said. "The goal is to build the program back to a level of excellence that will be a force in the Western Athletic Conference. I envision moving forward swiftly, as the existing and incoming student-athletes have tremendous potential. I am anxious to get started and am overjoyed to be a part of the `Aggie' family."
Under Kalaba, the Eagles ended the 2009 season with a record of 19-21, advancing to the GSAC Tournament as the fifth seed, falling to Azusa Pacific. Biola was third in the conference with a 1.84 ERA and fourth in batting with a .273 team average.
In her first four seasons at Biola, the Eagles averaged 31 wins per year. In 2005, she led the Eagles to a 34-16 mark and the team's first NAIA Region II appearance in three seasons. In 2006, she led Biola to a 32-14 record, which was third-best season in the program's history.
In addition to coaching at Biola, Kalaba has coached the Jets Gold U18 team from 2002-2009. She was also the head coach at Arcadia High School in Arcadia, Calif., from 2000-04.
Kalaba started her collegiate career at Hofstra University, playing there from 1996-97. After transferring to powerhouse UCLA, she was a catcher and utility player from 1997-99, helping the Bruins to the Women's College World Series title in 1999. A 2000 graduate of UCLA, she earned her bachelor's degree in history.
The former Carissa Millsap is married to Joe Kalaba. She is expected to announce her coaching staff in the coming weeks.
Kalaba's Coaching File
2005-09 - Biola University
Head Coach
2002-09 - Jets Gold 18U Team
Head Coach
2000-04- Arcadia High School
Head Coach
Playing Experience
1996-97 - Hofstra
Kalaba Tidbits
-- After transferring from Hofstra University, Kalaba played two seasons at UCLA where the Bruins won the WCWS title in 1999.
-- During her tenure at Biola, she compiled an overall record of 143-93 (.606 winning percentage), averaging just under 29 wins per year.
-- Her husband, Joe, was an assistant coach for her at Biola.
-- She had three players earn all-GSAC honors this season, as well as two GSAC scholar-athletes.
Social Media
USU Athletics Official Twitter Feed:
Loading Tweets...1 second ago
Utah State Softball Opens...
Utah State softball (25-23, 11-10) will begin its final three-game conference series of the 2016 ...05/11/2016
Tuesday Softball Action...
Tuesday's Utah State softball game against in-state rival BYU has been canceled.05/10/2016
Utah State Softball Opens...
Utah State softball (25-23, 11-10) opens its final week of the 2016 season Tuesday, May 10, as...05/09/2016
Noelle Johnson Leaving a...
Whether in the record books, on the field or among their teammates, student-athletes in any sport...05/06/2016
Game Notes: Aggie Softball ...
Utah State softball (25-23, 11-10) will wrap-up the 2016 season with a four-game homestand next...05/06/2016
Paxton Provost Named...
Utah State softball junior first baseman/designated player Paxton Provost has been tabbed the...05/02/2016
USU Softball Edged by San ...
Utah State softball concluded its final road series of the 2016 season Sunday, falling at San...05/01/2016
Utah State Softball Shuts...
In just its third shutout of the season, Utah State softball got back in the win column Saturday ...04/30/2016
Online Store
Official Aggie Gear


text:
- Published: San Francisco : Viz, [2005]
- Year Published: 2005
- Description: 179 p. : chiefly col. ill. ; 19 cm.
- Language: English
- Format: Graphic Novel
ISBN/Standard Number
- 1591169208 (pbk.) :
- 9781591169208 (pbk.)
- 9781591169208
- 782009223535
Additional Credits
Recently Listed On
- Fullmetal Alchemist
- NPR - All aboard- A reading list for riding the rails.
- Shonen Manga/ Action
- Recommended Manga and Manhwa
- What If... : YALSA 2011 Popular Paperbacks for Young Adults
- Fullmetal Alchemist
- Manga + Manhwa I want to read
- Must Have: Manga for Teens
- Graphic Novels
- The Otaku's Must
manga alchemist teen manga alchemy graphic novel teen fighting shonen jump volume 1 fantasy drama Science Fiction immoratatally pholosper stone science fiction. fullmetal alchemy goveriment manga brothers action
Login to add tags
Share This
AADL currently owns no copies of this item
Fullmetal alchemist. vol. 1
There are no copies available
Where To Find It
No copies found.
Additional Details
Translation of: Hagane no Renkinjutsushi.
First published in Japan in 2002 by Square Enix Co., Ltd."--P. facing t.p.
"The original manga behind the hit anime and video game series"--Cover p. [4].
"This book reads from right to left"--Cover p. 4
As young boys, Edward & Alphonse Elric dabbled in alchemy to try to resurrect their dead mother. As a result, Ed lost one arm and one leg, while Al lost his entire body and had his spirit sealed into a suit of armor. Now, they are searching for the fabled Philosopher's Stone to restore what they've lost.
Reviews & Summaries
Community Reviews
All Around Amazing
Great art, great story, great characters, great book!
This is the best volume!!
alchemy rules
so far the funnyiest manga i have read
read this book, loved it. I love the alchemy in it.
Login to write a review of your own.


text:
Search Results: 'Sexually explicit. Women'
Paperback: $18.11
Prints in 3-5 business days
For those who follow the future, this little book will fulfill their expectation, 2012 is just around the corner, and nobody knows what is about to come. This little book contains sexual explicit... More > content, which could be not allowed for children under age. It is really crazy to think how sexual prophecies could looks like or how it could be read, for those which like the esoteric campus; this will be good for future studies, all on this book is about sex, between man and woman, and how women become Bisexo for the love of one man. I hope you enjoy the lecture that you may have, reading the content you will see how the prophecies are presented to you. Most of this book with more prophecies was made in Spanish language, but in a future not far away all the Carrasco´s little books will be in different languages. Enjoy the single copy on English language.< Less
Poison Pens & Evil Women - Two Novels of Female Dominance - Volume Three
eBook (PDF): $9.04
Lust Book 3
eBook (ePub): $1.45
This is a very fascinating erotic sex story about trying new sex positions and new sexual situations. The big beautiful women are called BBW and there is an erotic episode about curvy women.
at the party
eBook (PDF): $1.99
Intimate, sensual erotica for women by award-winning author Roger Steiner. At The Party is a 4,300 word erotic vignette in which you find yourself sexually seduced at a party by a mysterous stranger.... More > As the two of you fuck exquisitely on a soft couch, you find yourselves watched by another couple, both of them equally as aroused and eager to watch you come for them... and to come for you too...< Less
Top 10see more >
Bootstrap Student...
Paperback: $20.00
The GOAL: How to Access,...
Paperback: $20.00
Resilience - The...
Paperback: $19.00
NACTA Journal Volume 60,...
Paperback: $25.00
SurvCE 4.0 Reference
Paperback: $15.00
The Rebellious...
Paperback: $10.00
Dolce Italia: Authentic...
Paperback: $38.99
From the Corner to the...
Paperback: $20.00
ʻElepaio and...
Paperback: $9.79
Voices from the Nest
Paperback: $15.00
Age Verification
The page you are attempting to access contains content that is not intended for underage readers.
Please verify your birth date to continue.


text:
I had brakes replaced at meineke roughly 1,000 miles ago (all 4 pads and rotors). The brakes will squeak the moment they are pressed then stop and continue when speed drops to 5 mph through a complete stop. Sometimes, mainly when it is cold I also can hear grinding just before the car comes to rest.
by R_Olson325i in Queensbury, NY on January 26, 2013


text:
The 1,230-game season, 82 games per team, opens Oct. 1 with the Stanley Cup playoffs beginning April 16, the league said in a statement.
The Chicago Blackhawks, one of six teams playing on opening night, will raise their Stanley Cup championship banner to the United Center rafters before hosting the Washington Capitals.
Six games will be played outdoors, including the NHL's marquee Winter Classic on New Year's Day featuring an Original Six matchup between the Detroit Red Wings and Toronto Maple Leafs at Michigan Stadium.
The 2014 schedule will also see the return of the NHL Heritage Classic with the Ottawa Senators and Vancouver Canucks facing off at BC Place on March 2.
Four other outdoor games will make up the NHL Stadium Series: the Anaheim Ducks versus the Los Angeles Kings at Dodger Stadium on Jan. 25, the New York Rangers and New Jersey Devils at Yankee Stadium on Jan. 26, the Rangers and New York Islanders at Yankee Stadium on Jan. 29 and the Pittsburgh Penguins and Chicago Blackhawks at Soldier Field on March 1.
The league will pause from Feb. 9-25 while over 120 NHL players comprise the majority of the rosters of the national teams competing in the Sochi Olympics.
Effective this season, the NHL will operate under a new time-zone friendly divisional alignment and scheduling matrix that ensures all 30 teams play in all 30 arenas at least once each season.
The Eastern Conference will feature two eight-team divisions, called Metropolitan and Atlantic, while the Western Conference will have two seven-team divisions called the Pacific and Central.
Under the new format, the first 12 postseason berths go to the top three finishers in each division while remaining playoff spots in each conference, designated as "wild cards," will go to the next two highest-placed finishers in each conference.
- Sports & Recreation
- Ice Hockey
- Chicago Blackhawks
- Washington Capitals
- Toronto Maple Leafs


text:
Interested in learning more about engineering?
Want to find out about projects to try at home or cool places to visit?
Would you like to meet more women who've followed their dreams?
Here are some resources that can help!
If you have comments about these pages, or know a great resource that should be included on one of these lists, let us know! Send a message to email@example.com.
Sponsored by
The winners of the 2016 EngineerGirl Essay Contest have been announced! NAE President C. D. Mote, Jr. said, "It is inspiring to see students exploring the meaning of responsible engineering, for it is a primary concern for engineering in advancing our society." Check out the link below to read the wonderful essays.
2016 Winners


text:
Nasreen's Group
Nasreen's customer base is 80% from the community and 20% outside of the community. Her business is characterized by stability and consistent growth. Once a month she travels to the neighboring city to purchase new clothes to sell. Her business helps to meet the financial expenses. She also has a sewing machine which she uses to earn additional profit.
Today Nasreen has requsted a loan of Pak Rs. 15000 to purchase new clothing.
Nasreen is also the group leader for four other women from her locality. Shamim baji and Sakina baji each want a loan to buy groceries for their grocery shops. Parveen baji wants a loan to buy seasonal fruits for her fruit-selling business. Another lady named Shamim baji wants a loan to buy a sewing machine for her clothes-sewing business.
Additional Information
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Pakistan
215View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 12 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Mar 1, 2010
- Listed
- Mar 24, 2010
- Currency Exchange Loss:
- Possible
- Ended:
- Feb 15, 2011


text:
Cradle Cap
Cradle Cap
Illustration copyright 2000 by Nucleus Communications, Inc. All rights reserved. http://www.nucleusinc.com
Cradle cap is an oily, yellow scaling or crusting on a baby's scalp. It is caused by a buildup of sticky skin oils, scales, and sloughed skin cells. Cradle cap is common in babies and is easily treated.
Current as of: August 21, 2015
Author: Healthwise Staff
Medical Review: Susan C. Kim, MD - Pediatrics & Thomas M. Bailey, MD - Family Medicine & John Pope, MD - Pediatrics
Public Health Alerts
Public health alerts include information about outbreaks, advisories and product recalls. Click on the links below to read the most recent alerts, or visit our Public Health Alerts web page.
Want More Information?
HealthLink BC, your provincial health line, is as close as your phone or the web any time of the day or night, every day of the year.
Call 8-1-1 toll-free in B.C. or for deaf and hearing-impaired, call 7-1-1.
You can speak with a health service navigator, who can also connect you with a:
- registered nurse any time, every day of the year;
- registered dietitian from 9am to 5pm, Monday to Friday;
- pharmacist from 5pm to 9am, every day of the year.
Translation services are available in more than 130 languages.
HealthLinkBC Files
HealthLinkBC Files are easy-to-understand fact sheets on a range of public health and safety topics including disease prevention and immunizations.
FIND Services and Resources
If you are looking for health services in your community, you can use our directory to FIND hospitals, clinics, and other resources.
This information does not replace the advice of a doctor. Healthwise, Incorporated, disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. Learn how we develop our content.
To learn more about Healthwise, visit Healthwise.org.
© 1995-2015 Healthwise, Incorporated. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.
Is it an emergency?
If you or someone in your care has chest pains, difficulty breathing, or severe bleeding, it could be life-threatening. Call 9-1-1 or the local emergency number immediately. If you are concerned about a possible poisoning or exposure to a toxic substance, call Poison Control now at 1-800-567-8911.


text: Lin Jensen Lin Jensen is the critically acclaimed author of the memoir Bad Dog! A Memoir of Love, Beauty, and Redemption in Dark Places and Pavement: Reflections on Mercy, Activism, and Doing "Nothing" for Peace. His first book, Uncovering the Wisdom of the Heartmind, received the Best Nonfiction/Spiritual Book award from Today's Librarian. His prose that has been likened to Steinbeck, and his wonderfully poetic writing has made him one of the most beloved of modern Buddhist writers. He has taught writing in various colleges and universities for over twenty years, and continues to teach Buddhist ethics and practices at Chico State University. He is the founding teacher and senior emeritus teacher of the Chico Zen Sangha, in Chico, California, where he lives with his wife. Become a Fan × BECOME A FAN Get updates about Lin Jensen and recommended reads from Simon & Schuster. Plus, get a FREE eBook when you sign up! Email Address Free eBook available to NEW subscribers only. Offer redeemable at Simon & Schuster's ebook fulfillment partner.Offer expires in three months, unless otherwise indicated. See full terms and conditions. By clicking SIGN UP, I acknowledge that I have read and agreed to the Privacy Policy and the Terms of Use. Books by this Author Deep Down Things Deep Down Things By Lin JensenBy Lin Jensen Together Under One Roof Together Under One Roof By Lin JensenBy Lin Jensen Pavement Pavement By Lin JensenBy Lin Jensen Bad Dog! Bad Dog! By Lin JensenBy Lin Jensen Get a FREE eBook when you join our mailing list. Plus, receive updates about Lin Jensen,recommended reads and more from Simon & Schuster. Email Address Free eBook available to NEW subscribers only. Offer redeemable at Simon & Schuster's ebook fulfillment partner.Offer expires in three months, unless otherwise indicated.See full terms and conditions and this month's choices.


text:
Seller assumes all responsibility for this listing.
Postage and packaging
The seller hasn't specified a postage method to United States. Contact the seller- opens in a new window or tab and request post to your location.
Postage cost can't be calculated. Please enter a valid postcode.
Item location: Andover, United Kingdom
Postage to: United Kingdom
There are 9 items available. Please enter a number less than or equal to 9.
Select a valid country.
Please enter a valid postcode.
Please enter up to 7 characters for the postcode
This item doesn't post to United States
Domestic dispatch time
Will usually dispatch within 1 working day of receiving cleared payment - opens in a new window or tab.
VAT price: 20.0% (included in the listed price).
If you have questions about this VAT, please contact the seller. The actual VAT requirements and rates may vary depending on the final sale.
Payment details
|Payment method
PayPal preferred
Seller's payment instructions
COURIER DELIVERIES: Please ensure that a contact telephone number is sent with your payment information incase the courier has problems locating your address. COMBINED POSTAGE: If you purchase two or more different items, please ask us to combine postage and we will do our best to keep postage costs down for you. THANK YOU: Thank you for choosing to purchase from Country Fayre (UK) Ltd. If you have any questions or concerns then please do not hesitate to contact us on 0845 0940 560


text:
New Year, New Thread. With fall ball in the books, what is everyone's top 10 looking like. Also what are some up and coming players. Here's mine.
1. Wando- With FM splitting, I have to go with the team with the most elite talent coming back.
2. Fort Mill- Mitch Russell
3. Greenville- D1 caliber coach with the best attackman in the state in Chris Reece. WIll be solid
4. Mauldin- Best Middie in the state in Braxton Bassie, maybe the deepest team in the upstate.
5. Spartanburg- I would argue the best offensive player in Blackman.
6. Academic Magnet- Look out for one of the best d's in the state this year
7. Riverside- Maybe the 2nd or 3rd best overall player in Quiles heading up this group. Look out for Berkha on attack. He could be the real deal.
8. Hilton Head- Will be in contention from their coach, talent takes a dive this year.
9. JL Mann- They will have some tall rangy middies who played for excell along with ben spidell. could be an upset kind of team
10. Dorman- New coach, lost a lot to graduation, will be a tough out this year.
I would argue that that the top 10 in SC this year is probably the deepest its ever been. What do y'all think


text:
NBA 2K12 'Legends Showcase' DLC Revealed with New PS3 Trophies
Written Thursday, October 20, 2011 By Richard WalkerView author's profile
A set of nine new trophies posted over on our sister site PS3Trophies.org, reveal that NBA 2K12 will be getting a dose of DLC entitled 'Legends Showcase', which looks to add a host of new game types and challenges, including H-O-R-S-E and the Blackjack style game of 21. Both classic games on my local street court back in the day.
Going by the trophy list, there'll be a 1960s 3-on-3 era challenge team, 2v2 Teammate Challenges and the ability to pit your My Player against the NBA's Greatest, like Michael Jordan. It's all set in New York's iconic Times Square too, which is why you'll need to make a shot from the top of a tall building in H-O-R-S-E. Sounds pretty amazing. Check out the trophy list:
- Ultimate Teammates - Beat the Teammate Challenge without losing a game
- Old School - Use one of the 1960s 3-on-3 Era Challenge teams and beat the mode
- High Riser - Make a shot from the top of the tall building in H-O-R-S-E
- Trick Shot Master - Win a H-O-R-S-E game against 3 CPU opponents without getting a letter
- Two Balls are Better Than One - Make a 2 ball shot in H-O-R-S-E
- Blackjack - Win a Game of 21 against 3 CPU opponents without letting anyone else score
- G.O.A.T. - Use your My Player and beat Michael Jordan in a 1-on-1 pickup game with default settings
- Pitching a Shutout - Win any 2-on-2 Teammate Challenge game without giving up a point
- Bombs Away - Win any 3-on-3 Era Challenge game while scoring all your points from beyond the arc
No further details are available for the NBA 2K12 Legends Showcase, but it will be coming to the Xbox Live Marketplace soon. Check out our NBA 2K12 review to find out our verdict on the game.


text:
All Firearms
Gun Parts
|Seller's Description
Winchester Model 70 Classic Stainless, .300 RUM, Fine!
• Winchester Model 70 Classic Stainless, .300 RUM, sn- G350675: This bolt action rifle chambered in .300 Remington Ultra Mag caliber is in fine condition and has a matte stainless 26" barrel, receiver, and bolt, black synthetic composite stock, hinged floorplate magazine, Butler Creek padded nylon sling with cartridge holders, and Tasco World Class 4-16x50 scope. No box or papers. See photos.
John's Gun Shop
447 Brooklyn Street
Morrisville, VT 05661
• Never a Reserve •
The firearms we list are not cleaned in any way; we swab out the bore only enough to be able to determine the condition. The photos of the firearm you will be receiving is the one pictured. Each has been visually inspected, however, we have not test fired it.
Please ensure that the firearm you bid on
is legal in your state.
Thank you.
Payment Options: Payment can be made via Bank Checks or Money Orders, Visa & MasterCard (no personal or business checks accepted). Prices are considered a cash discount. 3% additional fee for non-certified payments.
Shipping: Buyer pays a flat $25.00 shipping fee (lower 48) unless otherwise noted.
Returns: We conduct our auctions according to Auction Arms terms and conditions regarding inspection periods, returns and shipping charges. We will not accept returns of weapons (including magazines and other accessories) that have been fired or taken apart in any way.
Knowledge John Maniatty Normal John Maniatty 2 2008-04-05T13:42:00Z 2009-03-18T17:31:00Z 2009-03-18T17:31:00Z 2 229 1307 10 2 1605 10.1316 0 0 Winchester
|Payment and Shipping Instructions:
Ships Using:


text:
BUSTED: Alleged Killer of 2-Year Old Detroit Area Toddler Charged & Jailed
INKSTER, Mich. (AP) — A man accused of killing a 2-year-old Detroit-area girl shot her in front of her father to torture him, state police said Thursday.
The comments from Lt. Michael Shaw came after Raymone Jackson, 24, of Inkster, appeared in court on a first-degree murder charge and was sent back to jail with no bond.
"The child was the intended target," Shaw told reporters outside court. "He was going to kill the child in front of this guy and then kill him afterward so that it would be the last thing he sees."
The girl was shot in the head Tuesday while on the porch of an Inkster home. Inkster police believe it was retaliation for a shooting in April.
Besides murder, Jackson is also charged with attempted murder, torture and other crimes. Kamiya's father, Ken French, 34, and a family friend, 12-year-old Chelsea Lancaster, were also shot and are in a hospital. It wasn't immediately known if Jackson has an attorney.
"Anybody that feels that they can execute a child in the state of Michigan, we're going to go after them with everything that we can," Shaw said.
The toddler has been identified by police as Kamiya Gross. But Mary Mazur of the medical examiner's office said the girl's mother identified her as Kamiya French.
Chelsea's grandfather said she had surgery to remove bullets from her stomach area.
"She's going to make a 100 percent recovery, but it's just going to take time," Darrell Holt said.
860 total views, 1 views today


text:
Allen C. Guelzo is the Henry R. Luce Professor of the Civil War Era and Director of Civil War Studies at Gettysburg College. He is the author of numerous books treating subjects from Jonathan Edwards, to evangelical Christianity, to Lincoln and the Civil War era. Among his recent books are Abraham Lincoln: Redeemer President (Eerdmans, 1999), which won the Lincoln Prize for 2000; Lincoln's Emancipation Proclamation: The End of Slavery in America (Simon & Schuster, 2004), which won the Lincoln Prize for 2005; Lincoln and Douglas: The Debates That Defined America (Simon & Schuster, 2008); Abraham Lincoln as a Man of Ideas (Southern Illinois University Press, 2009); and Lincoln: A Very Short Introduction (Oxford University Press, 2009).
Randall M. Miller is the William Dirk Warren '05 Sesquicentennial Chair and Professor of History at Saint Joseph's University. He is author or editor of numerous books. Among his books related to the Civil War are, as coeditor, Religion and the American Civil War (Oxford University Press, 1998), and The Birth of the Grand Old Party: The Republicans' First Generation (University of Pennsylvania Press, 2002). His most recent book, coauthored with Paul Cimbala, is The Northern Home Front in the Civil War (Praeger, 2012).
Matthew Pinsker holds the Brian Pohanka Chair for Civil War History at Dickinson College. Among his many interests, he writes on political issues, personalities, and history. In Lincoln studies, he is best known for his highly acclaimed Lincoln's Sanctuary: Abraham Lincoln and the Soldiers' Home (Oxford University Press, 2003). He also wrote Abraham Lincoln (CQ Press, 2002) for the "American Presidents Reference Series."
Harry S. Stout is the Jonathan Edwards Chair of American Religious History at Yale University. He is the author of several highly regarded books in American religious history. His interests in the Civil War have led to two important books, Upon the Altar of the Nation: A Moral History of the Civil War (Viking, 2006), and, as coeditor, Religion and the American Civil War (Oxford University Press, 1998).
Gregory J. W. Urwin is Professor of History at Temple University, Vice-President of the Society for Military History, and the General Editor of the "Campaigns and Commanders" series at the University of Oklahoma Press. Among his many much-respected works on military history, he has published Custer Victorious: The Civil War Battles of General George Armstrong Custer (Fairleigh Dickinson University Press, 1983), and, as editor, Black Flag over Dixie: Racial Atrocities and Reprisals in the Civil War (Southern Illinois University Press, 2004).


text:
diesel engine Companies in Venezuela
based in CHINA
Kensho is an innovation company providing automation and control solutions for stationary diesel engines. It does this by designing and manufacturing electronic control panels and wiring systems, which allow its customers to reduce asset-operating costs and stay connected with their investment.Our products are built to operate in harsh environments with high or low ...
based in Knoxville, TENNESSEE (USA)
EmeraChem is a leader in nanophase chemistry and catalysis for the control of air emissions and Green House Gases (GHG) from power generating facilities, natural gas compression stations and mobile vehicles. As both a developer and manufacturer of catalytic technologies and related systems, EmeraChem has a diverse portfolio of products supported by best-in-class ...
Chandler Equipment, Inc.
based in Springdale, ARKANSAS (USA)
Chandler Equipment, Inc. has been committed to supplying our customers with the highest quality products available. Chandler was founded as an agriculture equipment manufacturer & distributor and has evolved to be one of the leading suppliers of vacuum pumps, valves, liquid transport trailer components, and frac tank components. Our state of the art manufacturing and ...
Kirloskar Oil Engines Ltd.
based in Pune, INDIA
Kirloskar Oil Engines Ltd., is India's leading diesel engine, Agri Pump set & Generator manufacturing company. Incorporated in 1946, Kirloskar Oil Engines Ltd. is the flagship company of the Kirloskar group from India. Kirloskar has four state-of-the-art manufacturing units of Diesel engines in India that offer world-class products that are exported to over 35 countries ...
Najah Engineering Consultants LLC
based in Amman, JORDAN
Najah Engineering Consultants L.L.C (NEC) was established in 2007 in Amman, the capital of Jordan. NEC strengths are in the engineering training and consulting services for the power generation, manufacturing industry, and project management. NEC services are offered to customers around the world. Our professional consultants and instructors long years of experience is ...
Thermal Engineering International (USA) Inc. (TEi)
based in Santa Fe Springs, CALIFORNIA (USA)
Thermal Engineering International (USA) Inc. (TEi) is the leading supplier of heat transfer technology to the electric power generation industry. Offering fully-integrated design, engineering, manufacturing, research and development, construction and service capabilities. Formerly Southwestern Engineering-and most recently Senior Engineering Co. – we have been designing ...
Clarke Energy
based in Liverpool, UNITED KINGDOM
Clarke Energy is a multinational specialist in the engineering, installation and maintenance of gas-fuelled power plants. Our facilities deliver fuel efficiency and help reduce carbon emissions. Applications include combined heat and power (CHP) with natural gas, biogas, landfill gas and coal gas. We are a the largest authorised distributor and service provider for GE's ...
AVA - Huep GmbH u. Co. KG
based in Herrsching, GERMANY
As a leading global supplier, AVA delivers machine technology and system solutions around the core competence of mixing and drying. Since many years, established know-how in process engineering, high quality in technical realization, comprehensive services and intensive consultancy have guaranteed successful process technologies for numerous industrial applications.
SSI Shredding Systems, Inc.
based in Wilsonville, OREGON (USA)
SSI Shredding Systems is a leading manufacturer of industrial shredders and size reduction systems. SSI custom designs and manufactures high quality 1-shaft, 2-shaft, and 4-shaft rotary shear shredders and primary waste reducers as well as pre-load transfer station and metals compactors. Our highly qualified staff provide you with complete system design and engineering ...
China Joy Machinery and Equipment Limited
based in Tianjin, CHINA
The most professional manufacture of pressure testing and pressure cleaning equipment.We supply the most reliable service of your hydro pressure testing and washing solutions.Hydrostatic pressure testing equipment: Manual test pump,Electric test pump,Automatic pressure test pump,PLC controlled test pump and Hose/Cylinder Pressure testing equipmentPressure washing ...


text:
Skip to comments.Shots heard after the Stanley "Tookie" Williams memorial service
Posted on 12/21/2005 7:02:13 AM PST by Pikamax
Shots heard after the Stanley "Tookie" Williams memorial service
LOS ANGELES Just after the four-hour service for executed murderer, and Crips gang co-founder Stanley "Tookie" Williams, mourners dropped to the ground as gunshots went off about a block away.
Security guards told the crowd things were under control. Groups from different gangs had begun taunting each other. No one was hurt.
During the service, speakers ranged from Snoop Dogg and Bianca Jagger to the Reverend Jesse Jackson. Some told the crowd Williams had done good work in prison, writing children's books warning against joining gangs. Others denounced capital punishment.
The 51-year-old Williams was executed December 13th for the 1979 shotgun murders of a convenience store clerk and three motel owners.
Fitting epitath.
Was it a 21 gun salute with automatic weapons?
You can't make it up. I hope someone has a video.
A proud legacy.
Sounds like an Arafat moment to me.
Is this Scrappleface?
Is it true Tookie was a known to have sexually assaulted other inmates? Radio guy Phil Hendrie said last night this was the case. Others say Tookie didn't really write the books he is given "credit" for, and I think it is a known fact that no one actually read these books anyway. So yes, he really is a hero! Ha ha.
Who cares? Tookie has had his 15 minutes....
I guess it was some of those 'children's books' going off.
Was that you Stanley?
Thought you would be interested. This is a fitting epitath to a merciless, remoseless murderer.
It's just so.........so.......stereotypical.
Thought you would be interested. This is a fitting epitath to a merciless, remoseless murderer.
Next is right! I nominate Mumia.
Not possible. Tookie was a man of peace. It's inconceiveable that any of his mourners would be violent.
Fitting indeed, Jeff. I heard a new person say that he heard shots, but then everything went back to normal. Unfortunately, the shots there are what is normal.
Where's that /sarcasm tag?
Well, now, imagine that!
With the nice wholesome crowd this sort of thing attracts, imagine gunfire!
Grassy knoll?
Click, Click, Click... Boom!
Bianca Jagger spoke at his funeral?
Famous for being famous...what is her connection?
Blowing TAPS?
I thought you requested "Busting CAPS".
Does not remind one of Reagan's.
ROFLMAO! Hypocracy on parade...
Since this has all started, you would think that Tookie's supporters would at least point out the book titles and where they are being sold at. Not once have I heard any of this information.
Since this has all started, you would think that Tookie's supporters would at least point out the book titles and where they are being sold at. Not once have I heard any of this information
Think I saw one the other day. It was right next to some San Fransican's version of Curious George. Aptly titled Bi Curious George.
This morning I opened the rag paper(I get it free at work) and found a 1/2 page spread and a picture of Tookies casket. I was livid. I wrote this to the Editor of the Rag paper. I feel better now.
Tookie the Hero.
Once again your newspaper (which I read for free) has me shaking my head. Why would you give a big spread December 21 (AP) to for Tookie the killer? Dont you people have any dignity? Why dont you erect a statue of your beloved Tookie in front of the Standard Speaker building this way you can admire the killer everyday? It is bad enough that you are a Newspaper that gets your articles from a liberal bias AP but doesnt anyone in charge there know the difference between good and evil.
Do you and your staff know who Robert Dean Stethem is? Why dont you go Google an AP article on him? I would love to see a half page tribute to Mr. Stethem a real American Hero, who murdered 20 years ago because he was an American Marine. I dont recall an article or picture in your paper on him during the summer to remember his brutal death by an Islamic Terrorist, but then again Im not surprised.
"Famous for being famous...what is her connection?"
Somwhere between her knees and her waist.
HAHA! But that's just regular equipment.
A RAP lyric: "Dey went pop, pop, pop 'till dey sees de Crip boss drop..."
"what is her connection?"
She is also a famous Democrat libertine and drug-addict.
Probably Tookie's customer, too.
It amazes me who the Democrats celebrate and hold up.
Trophy wife.
Next thing that's going to happen is that the sun will rise in the East.
I think I know who did this - roaming gangs of little kids unhappy that they won't get next month's installment of Tookie's childrens book.
Oh how I long for the days when the only thing that happened at the funerals of gang thugs was when their homies would "Tip A 40" to their memory and hope that their departed member would end up in the "Gangsta Lean".
I just love a happy ending.
Whenever I want an interpretation of world events, I turn to Bianca Jagger.
The best book written was written last week when California executed him. Those gang menbers and potential gang members will understand that better than all the other words he may have written.
No kidding, this part really got me Others denounced capital punishment. Yeah...CP is bad, but drive by shootings are good....
What's the deal with the Crips and Bloods these days anyway? Aren't they somewhat of a declining force since the 80's and eclipsed by even more ruthless hispanic outfits like MS13?
Yup - ol' Tookie sure made an impact on the youth.
She was Mick Jagger's wife once upon a time. She's always showing up at these kinds of things.
Bianca Jagger - famous for nothing.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Quotes & Info
|CARV > SEC Filings for CARV > Form 10-Q on 14-Nov-2011
|All Recent SEC Filings
Quarterly Report
Forward-Looking Statements
This Quarterly Report on Form 10-Q contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 which may be identified by the use of such words as "may," "believe," "expect," "anticipate," "should," "plan," "estimate," "predict," "continue," and "potential" or the negative of these terms or other comparable terminology. Examples of forward-looking statements include, but are not limited to, estimates with respect to the Company's financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include but are not limited to the following:
• the ability to continue to comply with the Orders and the effects of the restrictions upon operations set forth in the orders
• general economic conditions, either nationally or locally in some or all areas in which business is conducted, or conditions in the real estate or securities markets or the banking industry which could affect liquidity in the capital markets, the volume of loan origination, deposit flows, real estate values, the levels of non-interest income and the amount of loan losses;
• changes in existing loan portfolio composition and credit quality, and changes in loan loss requirements;
• legislative or regulatory changes which may adversely affect the Company's business, including but not limited to the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act;
• the Company's success in implementing its new business initiatives, including expanding its product line, adding new branches and ATM centers and successfully building its brand image;
• changes in interest rates which may reduce net interest margin and net interest income;
• increases in competitive pressure among financial institutions or non-financial institutions;
• technological changes which may be more difficult to implement or expensive than anticipated;
• changes in deposit flows, loan demand, real estate values, borrowing facilities, capital markets and investment opportunities which may adversely affect the business;
• changes in accounting principles, policies or guidelines which may cause conditions to be perceived differently;
• litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, which may delay the occurrence or non-occurrence of events longer than anticipated;
• the ability to originate and purchase loans with attractive terms and acceptable credit quality;
• the ability to attract and retain key members of management; and
• the ability to realize cost efficiencies
• the ability to utilize NMTC.
Any or all of the Company's forward-looking statements in this Quarterly Report
on Form 10-Q and in any other public statements that the Company or management
makes may turn out to be wrong. They can be affected by inaccurate assumptions
or by known or unknown risks and uncertainties. The forward-looking statements
contained in this Quarterly Report on Form 10-Q are made as of the date of this
Quarterly Report on Form 10-Q, and the Company assumes no obligation to, and
expressly disclaims any obligation to, update these forward-looking statements
to reflect actual results, changes in assumptions or changes in other factors
affecting such forward-looking statements or to update the reasons why actual
results could differ from those projected in the forward-looking statements,
except as legally required. For a discussion of additional factors that could
adversely affect the Company's future performance, see "(Part I. Financial
Information) Item 2 - Management's Discussion and Analysis of Financial
Condition and Results of Operations" and "(Part II. Other information) Item 1A -
Risk Factors.
Carver Bancorp, Inc., a Delaware corporation (the "Holding Company", or "Registrant") is the holding company for Carver Federal Savings Bank ("Carver Federal" or the "Bank"), a federally chartered savings bank, and, on a parent-only basis, had minimal results of operations. The Holding Company is headquartered in New York, New York. The Holding Company conducts business as a unitary savings and loan holding company, and the principal business of the Holding Company consists of the operation of its wholly-owned
subsidiary, Carver Federal. Carver Federal was founded in 1948 to serve
African-American communities whose residents, businesses and institutions had
limited access to mainstream financial services. The Bank remains headquartered
in Harlem, and predominantly all its nine branches and nine stand-alone 24/7 ATM
Centers are located in low- to moderate-income neighborhoods. Many of these
historically underserved communities have experienced unprecedented growth and
diversification of incomes, ethnicity and economic opportunity, after decades of
public and private investment.
Carver Federal is the largest African-American operated bank in the United States. The Bank remains dedicated to expanding wealth enhancing opportunities in the communities it serves by increasing access to capital and other financial services for consumers, businesses and non-profit organizations, including faith-based institutions. A measure of its progress in achieving this goal includes the Bank's "Outstanding" rating, awarded by the OTS following its most recent Community Reinvestment Act ("CRA") examination in 2009. The examination report noted that 76.1% of Carver's community development lending and 55.4% of Carver's Home-Owners Mortgage Disclosure Act ("HMDA") reportable loan originations were within low- to moderate-income geographies, which far exceeded peer institutions. The Bank had approximately $678 million in assets as of September 30, 2011 and employed approximately 130 employees as of September 30, 2011.
Carver Federal engages in a wide range of consumer and commercial banking services. Carver Federal provides deposit products including demand, savings and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its local market area within New York City. In addition to deposit products, Carver Federal offers a number of other consumer and commercial banking products and services, including debit cards, online banking including online bill pay, and telephone banking.
Carver Federal offers loan products covering a variety of asset classes, including commercial, multi-family and residential mortgages, construction loans and business loans. The Bank finances mortgage and loan products through deposits or borrowings. Funds not used to originate mortgages and loans are invested primarily in U.S. government agency securities and mortgage-backed securities.
The Bank's primary market area for deposits consists of the areas served by its nine branches in the Brooklyn, Manhattan and Queens boroughs of New York City. The neighborhoods in which the Bank's branches are located have historically been low- to moderate-income areas. The Bank's primary lending market includes Bronx, Kings, New York and Queens counties in New York City, and lower Westchester County, New York. Although the Bank's branches are primarily located in areas that were historically underserved by other financial institutions, the Bank faces significant competition for deposits and mortgage lending in its market areas. Management believes that this competition had become more intense as a result of increased examination emphasis by federal banking regulators on financial institutions' fulfillment of their responsibilities under the CRA and more recently due to the decline in demand for loans by qualified borrowers. Carver Federal's market area has a high density of financial institutions, many of which have greater financial resources, name recognition and market presence, and all of which are competitors to varying degrees. The Bank's competition for loans comes principally from mortgage banking companies, commercial banks, and savings institutions. The Bank's most direct competition for deposits comes from commercial banks, savings institutions and credit unions. Competition for deposits also comes from money market mutual funds, corporate and government securities funds, and financial intermediaries such as brokerage firms and insurance companies. Many of the Bank's competitors have substantially greater resources and offer a wider array of financial services and products. This combined with competitors' larger presence in the New York market add to the challenges the Bank faces in expanding its current market share and growing its near-term profitability.
Carver Federal's more than 60 year history in its market area, its community involvement and relationships, targeted products and services and personal service consistent with community banking, help the Bank compete with other competitors that have entered its market.
The Bank formalized its many community focused investments on August 18, 2005, by forming Carver Community Development Corporation ("CCDC"). CCDC oversees the Bank's participation in local economic development and other community-based initiatives, including financial literacy activities. CCDC coordinates the Bank's development of an innovative approach to reach the unbanked customer market in Carver Federal's communities. Importantly, CCDC spearheads the Bank's applications for grants and other resources to help fund these important community activities. In this connection, Carver Federal has successfully competed with large regional and global financial institutions in a number of competitions for government grants and other awards. New Markets Tax Credit Award
The NMTC award is used to stimulate economic development in low- to moderate-income communities. The NMTC award enables the Bank to invest with community and development partners in economic development projects with attractive terms including, in some cases, below market interest rates, which may have the effect of attracting capital to underserved communities and facilitating the revitalization of the community, pursuant to the goals of the NMTC program. The NMTC award provides a credit to Carver Federal against Federal income taxes when the Bank makes qualified investments. The credits are allocated over seven years from the time of the qualified
In June 2006, Carver Federal was selected by the U.S. Department of Treasury, in a highly competitive process, to receive its first award of $59 million in New Markets Tax Credits. Carver Federal invested a portion of its award in December 2006 and by December 2008 the Banks allocation was fully invested. In December 2010, the Bank divested its interest in the remaining $7.8 million NMTC tax credits that it would have received through the period ending March 31, 2014, by exchanging its equity interests in the special purpose entities holding the qualified investments for a cash payment of $6.7 million from a special purposes entity, controlled by an unrelated investor, set up to acquire these equity interests. CCDC continues to provide certain administrative services to the special purpose entity that acquired the equity interests. In addition, Carver still provides the funding to the underlying projects.
In May 2009, the Bank received its second award of $65 million. During the period of December 2009 to June 2010, the Bank transferred rights to an investor in various NMTC projects. While providing funding to the investments in the NMTC projects, CCDC has retained a 0.01%interest in other entities created to facilitate the investment with the investors owning the remaining 99.99%. CCDC also provides certain administrative services to these special purpose entities. The Bank has determined that it and CCDC do not have the sole power to direct activities of these special purpose entities that significantly impact their performance therefore it is not the primary beneficiary of these entities.
In February 2011, the Company announced that Carver Federal had been selected to receive its third NMTC award in the amount of $25 million.
The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below:
Involvement with SPE (000's) Funded Exposure Unfunded Exposure Total Significant Maximum Recognized Gain Total Rights Consolidated unconsolidated VIE Total Involvement Funding exposure to (Loss) (000's) transferred assets assets with SPE asset Debt Investments Equity Investments Commitments loss Carver Statutory Trust 1 $ - $ - $ - $ 13,400 $ 13,400 $ 13,000 $ 400 $ - $ - $ 13,400 CDE 1-9, CDE 11-12 - 40,000 40,101 - 40,101 - 6,701 - 7,800 14,501 CDE 10 1,700 19,000 - 17,377 17,377 - - - 7,400 7,400 CDE 13 500 10,500 - 10,585 10,585 - 1 - 4,100 4,101 CDE 14 400 10,000 - 10,096 10,096 - 1 - 3,900 3,901 CDE 15, CDE 16, CDE 17 500 20,500 - 20,996 20,996 - 2 - 8,000 8,002 CDE 18 600 13,254 - 13,282 13,282 - 1 - 5,200 5,201 CDE 19 500 10,746 - 10,805 10,805 - 1 - 4,200 4,201 Total $ 4,200 $ 124,000 $ 53,501 $ 83,141 $ 136,642 $ 13,000 $ 7,108 $ - $ 40,600 $ 60,708
Critical Accounting Policies
Note 2 to the Company's audited Consolidated Financial Statements for fiscal
year-end 2011 included in its 2011 Form 10-K, as supplemented by this report, contains a summary of significant accounting policies and is incorporated by reference. The Company believes its policies, with respect to the methodology for determining the allowance for loan losses, the evaluation of realization of deferred tax assets and the fair value of financial instruments involve a high degree of complexity and require management to make subjective judgments which often require assumptions or estimates about highly uncertain matters. Changes
in these judgments, assumptions or estimates could cause reported results to
differ materially. The following description of these policies should be read in
conjunction with the corresponding section of the Company's fiscal 2011 Form
Allowance for Loan Losses
The adequacy of the Bank's ALLL is determined, in accordance with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the "Interagency Policy Statement") released by the Office of Thrift Supervision on December 13, 2006 and in accordance with Accounting Standards Codification ("ASC") Topic 450 and ASC Topic 310. Compliance with the Interagency Policy Statement includes management's review of the Bank's loan portfolio, including the identification and review of individual problem situations that may affect a borrower's ability to repay. In addition, management reviews the overall portfolio quality through an analysis of delinquency and non-performing loan data, estimates of the value of underlying collateral, current charge-offs and other factors that may affect the portfolio, including a review of regulatory examinations, an assessment of current and expected economic conditions and changes in the size and composition of the loan portfolio are all taken into consideration.
The ALLL reflects management's evaluation of the loans presenting identified loss potential, as well as the risk inherent in various components of the portfolio. There is a great amount of judgment applied to developing the ALLL. As such, there can never be assurance that the ALLL accurately reflects the actual loss potential embedded in a loan portfolio. Any change in the judgments utilized to develop the ALLL can change the ALLL. Further, any change in the size of the loan portfolio or any of its components could necessitate an increase in the ALLL even though there may not be a decline in credit quality or an increase in potential problem loans.
General Reserve Allowance
Carver's maintenance of a general reserve allowance in accordance with ASC Topic 450 includes Carver's evaluating the risk to loss potential of pools of loans based upon a review of 10 different factors that are then applied to each pool. The pools of loans ("Loan Type") are:
1-4 Family
Commercial Real Estate
Business Loans
SBA Loans
Other (Consumer and Overdraft Accounts)
The pools are further segregated into the following risk rating classes:
Pass and Pass with Care
Special Mention
The Bank next applies to each pool a risk factor that determines the level of general reserves for that specific pool. The risk factors are comprised of actual losses for the most recent four quarters as a percentage of each respective Loan Type plus qualitative factors. As the loss experience for a Loan Type increases or decreases, the level of reserves required for that particular Loan Type also increases or decreases. Because actual loss experience may not adequately predict the level of losses embedded in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be increased based upon any of those factors. As the risk ratings worsen some of the qualitative factors tend to increase. The nine qualitative factors the Bank considers and may utilize are:
1. Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (Policy & Procedures).
2. Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments. (Economy).
3. Changes in the nature or volume of the loan portfolio and in the terms of loans (Nature & Volume).
4. Changes in the experience, ability, and depth of lending management and other relevant staff (Management).
5. Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (Problem Assets).
6. Changes in the quality of the loan review system (Loan Review).
7. Changes in the value of underlying collateral for collateral-dependent loans (Collateral Values).
8. The existence and effect of any concentrations of credit and changes in the level of such concentrations (Concentrations).
9. The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (External Forces).
Specific Reserve Allowance
Carver also maintains a specific reserve allowance for Criticized & Classified loans individually reviewed for impairment in accordance with ASC Topic 310 guidelines and deemed to be impaired. ASC Topic 310 (formerly known as SFAS No. 114) is the primary basis for determining if a loan is impaired, and if impaired, valuing the impairment amount of specific loans whose collectability has been called into question. The amount assigned to this aspect of the ALLL is the individually-determined (i.e., loan-by-loan) portion thereof. The standard requires the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:
1.The present value of expected future cash flows discounted at the loan's
effective interest rate,
2.The loan's observable market price, or
3.The fair value of the collateral if the loan is collateral dependent.
The institution may choose the appropriate ASC Topic 310 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral-dependent loan. Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment.
Criticized and Classified loans with at risk balances of $1 million or more and loans below $1 million that the Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Topic 310, Accounting by Creditors for Impairment of a Loan. Carver also performs impairment analysis for all trouble debt restructuring ("TDRs"). If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.
If the loan is determined to be not impaired, it is then placed in the appropriate pool of Criticized & Classified loans to be evaluated for potential losses. Loans determined to be impaired are then evaluated to determine the measure of impairment amount based on one of the three measurement methods noted above. If it is determined that there is an impairment amount, the Bank then determines whether the impairment amount is permanent (that is a confirmed loss), in which case the impairment is written down, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL. In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.
Securities Impairment
The Bank's available-for-sale securities portfolio is carried at estimated fair value, with any unrealized gains and losses, net of taxes, reported as accumulated other comprehensive income/loss in stockholders' equity. Securities that the Bank has the positive intent and ability to hold to maturity are classified as held-to-maturity and are carried at amortized cost. The fair values of securities in portfolio are based on published or securities dealers' market values and are affected by changes in interest rates. The Bank quarterly reviews and evaluates the securities portfolio to determine if the decline in the fair value of any security below its cost basis is other-than-temporary. The Bank generally views changes in fair value caused by changes in interest rates as temporary, which is consistent with its experience. In April 2009, the FASB issued guidance that changes the amount of another-than-temporary impairment that is recognized in earnings when there are non-credit losses on a debt security which management does not intend to sell, and for which it is more-likely-than-not that the entity will not be required to sell the security prior to the recovery of the non-credit impairment. In those situations, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings, and the remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income. This guidance also requires additional disclosures about investments in an unrealized loss position and the methodology and significant inputs used in determining the recognition of other-than-temporary impairment. At September 30, 2011, the Bank does not have any other securities that may be classified as having other than temporary impairment in its investment portfolio.
Deferred Income Taxes
The Company records income taxes in accordance with ASC 740 "Income Taxes," as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable/(receivable) and deferred income taxes. Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date. Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. This valuation allowance would subsequently be adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.
On June 29, 2011, the Company raised $55 million of equity. The capital raise triggered a change in control under Section 382 of the Internal Revenue Code. Generally, Section 382 limits the utilization of an entity's net operating loss carry forwards, general business credits, and recognized built-in losses upon a change in ownership. The Company expects to be subject to an annual limitation of approximately $0.9 million. The Company has filed an extension for its tax return for the fiscal year ended March 31, 2011 and has not yet determined the potential tax attributes that may be subject to limitation under Section 382. The company has a net deferred tax asset ("DTA") of approximately $25 million. A full valuation allowance for the DTA has been recorded. Due to the Section 382 limitation, some portion of the DTA may not be recoverable in future years.
Stock Repurchase Program
On August 6, 2002, the Holding Company announced a stock repurchase program to repurchase up to 15,442 shares of its outstanding common stock. As of September 30, 2011, 11,744 shares of its common stock have been repurchased in open market transactions at an average price of $235.80 per share. The Holding Company intends to use repurchased shares to fund its stock-based benefit and compensation plans and for any other purpose the Board deems advisable in compliance with applicable law. No shares were repurchased during the six months ended September 30, 2011. As a result of the Company's participation in the TARP . . .


text:
I can't even describe how excited I was when an Indian restaurant opened in Carnegie. We live pretty close to Carnegie, but we almost never go there. When we lived in Heidelberg, we did go to some of the restaurants there. When Rivas was there, we would go to enjoy Nicaraguan food, but there were few other places that we tried and loved. (Now there are a few places on my list to try). Cafe Delhi opened in Carnegie on Mary Street in February of 2012. The restaurant is attached to the Indian Community Center.
When you enter Cafe Dehli, you order at the counter, they give you a number and you sit down. When your food is ready, a member of the wait staff brings it to your table. We had a little trouble picking exactly what we wanted. The waitress pointed out a few of the best selling dishes and explained that all of them can be made with our preference of heat on a 1 to 10 scale. We sat down and carefully read the menu. When I saw goat and lamb on the menu, I knew we had to order both. It was just a matter of choosing which preparation.
As an appetizer, we ordered the Chilli Chicken ($4.99). It is boneless chicken with chilies and peppers in a slightly spicy sauce. The sauce is slightly sweet and the chicken is tender. We will order this again, maybe a little hotter.
As a second appetizer, we ordered the Garlic Naan Bread ($2.25). I am a lover of naan bread and this did not disappoint. It has small pieces of garlic and is slightly crispy on the edges and warm. One order consist of four slices.
For our first entree, the Spinach Lamb ($8.99). The spinach is silky with very tender chunks of lamb. Really, I could eat just the sauce with rice. It is that good.
We ordered it at a spice level of 9. It was hot, but not so hot that my nose was running. So delicious. For most people, a 9 would be way too hot. The heat scale seems to be similar to the scale at the Thai restaurants in Pittsburgh.
For our second entree, we ordered Goat Curry ($8.99). The sauce is a curry that contains onions, tomatoes, ginger, and garlic.
While we really liked the flavor of the dish, the goat was chewy. It has a lot of bones and connective tissue. I would prefer this sauce with lamb or chicken next time we go.
Overall, we loved our meal at Cafe Delhi. We are excited to eat there again or order take out. Actually, as amazed as we were about the food when we were there, we were even more blown away by the leftovers. It seemed to have gotten better. If you find yourself near Carnegie, I highly recommend Cafe Delhi.
Tags: Carnegie, Indian Food, restaurants


text:
Sixth Annual SAMMY's Presented by the U.S. Marine Corps
Student-athletes and coaches gathered to recognize team and individual achievements at the Annual SAMMY Awards.
Jared Leaf Addresses The Media
Linebacker Jared Leaf is home and getting better each day.
TeamLeaf11 Fundraising Fulfills NCAA Compliance Regulations
One can express support for Jared Leaf at www.facebook.com/teamleaf11
Fales Named Alan B. Simpkins MVP At Football Awards Banquet
Wide receiver Noel Grigsby was the first Spartan to get a standing ovation at the awards banquet.
AT SAN JOSÉ STATE: In his third season with the Spartans... Tops the 2015 opening fall depth chart at a linebacker position... Looking forward to his first game action since 2012... Transfer from the University of Hawai'i... First joined the team for 2013 spring practice.
2014: Missed the entire season for medical reasons... Topped the depth chart at a linebacker position following 2014 spring practice... Was the only victim suffering second and third-degree burns in an April 23, 2014 late-night, off-campus apartment fire... Was hospitalized for 40 days... Was on the sideline with the team during home games while recovering from his burns.