text:
Roll of Thunder, Hear My Cry
by Mildred D. Taylor
Analysis: What's Up With the Ending?
Did we mention that we're dealing with some pretty heavy stuff in Roll of Thunder, Hear My Cry? Because we are. In the end, T.J. has been taken away to jail for killing Mr. Barnett, and Papa has started a fire that saved T.J. (temporarily) but destroyed a lot of his cotton crop. T.J. will probably be hanged; the Simms brothers will get off scot-free. And then there's the very last line:
I cried for T.J. For T.J. and the land. (12.167)
The land, too, has been unfairly punished: keep in mind that by starting the fire, Papa has ruined a good portion of his own cotton crop. Remember all the references to red mud and Big Ma saying that the family's blood was in the land (4.237)? In this final paragraph, the connection that Taylor has drawn between the people and the land becomes clear. Crystal clear.
And Cassie grieves for both—and the unfairness and sheer waste of it all.


text:
- Report: #975297
Report - Rebuttal - Arbitrate
Complaint Review: Bonnie Maxwell Santiago
Bonnie Maxwell Santiago7765 n 8th st portland, Oregon United States of America
Bonnie Maxwell Santiago do not do business with this woman portland , Oregon
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This report was posted on Ripoff Report on 11/28/2012 08:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bonnie-Maxwell-Santiago/portland-Oregon-/Bonnie-Maxwell-Santiago-do-not-do-business-with-this-woman-portland-Oregon-975297. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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subset: commoncrawl


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Game of Thrones is a site for the HBO-series based on George R.R. Martin's A Song of Ice and Fire.
New to the series? Read our spoiler-free review of A Game of Thrones.
Read our Privacy Policy.
Copyright © HBO
And yet another new cast member—Tobias Menzies (who did a fine turn as a tragic Brutus on HBO's Rome) as Edmure Tully, younger brother to Catelyn and Lysa. No beard, I see, and if they've tinted his hair redder to give him the auburn look, it's not immediately obvious. But as noted earlier, take note of the scale armor, shared with his uncle Ser Brynden.
This is now Lord Edmure, as clearly this is his attempt to set alight his father's funeral pyre.
Tobias Menzies, S3, In Production, Edmure Tully Profile, Edmure Tully Index, Edmure Tully, Behind the Scenes
The Westeros network consists of several different sites, including a forum and a wiki, for all your A Song of Ice and Fire needs.


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Top Definition
Something to be moved, usually for great justice.
Move zig for great justice.
The Sound Guy tarafından 22 Mayıs 2003, Perşembe
Trending Now
Can you define these popular missing words?
A spacecraft used to defend against the forces of Cats in the gramatically historica Sega Genesis game, Zero Wing.
Without the Zigs all our base really would have belong to them.
See also aybabtu.
Without the Zigs all our base really would have belong to them.
See also aybabtu.
"Take off every Zig!"
hux tarafından 22 Mayıs 2003, Perşembe
Zigs ususally know what they doing, and operate for great justice.
zigs will avenge bases or spaceship carriers that become belong to cats.
Colin tarafından 27 Eylül 2003, Cumartesi
n. A class of space vessel designed to be used only for great justice, and only when you know what you doing. The only known countermeasure for all your base are belong to us. Move zig must be used to ensure effectivness.
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Mike Book tarafından 5 Haziran 2005, Pazar
Something to be taken off, but only if you know what you doing.
Take off every "zig". Move "zig" for great justice.
Zephyr16 tarafından 23 Haziran 2005, Perşembe
A Spaceship seen in AD 2101
Take off every zig. You know what you doing. Move zig. For great justice.
Cats tarafından 20 Eylül 2003, Cumartesi
The spaceship that one assumed control of in zero-wing. Moved for great justice and phine pussy.
Move "Zig".
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text:
Lock your doors and stock up on bottled water: Today's Sun reports that 16 bright-eyed, bushy-tailed little bunnies from the master's program in arts journalism at Syracuse have invaded the island as part of of a 10-day immersion course. During their time here, they will RAPE AND PILLAGE our artistic resources, DEFILE our professional journalists, and FROTH about how they paid tens of thousands of dollars to learn "to take the small journalism jobs and assignments as a means of eventually landing the bigger ones."
And then? After they've reviewed our bands on their blogs and analyzed our plays for their term papers, they will STEAL OUR YOUNG and sell them into SLAVERY. You know, to cover tuition bills.


text:
Here are more comments from today's press conference with Chargers coach Norv Turner and quarterback Philip Rivers on the opening day of training camp at Chargers Park:
Do you feel any more added pressure going into this situation as a head coach as opposed to your last situation in Oakland, just based on the talent level and what the front office expects, what all the fans expect?
"I've never been anywhere where they expect you to go lose your opening game, or expect you to lose any of your games. There's certainly different expectations everywhere.''
At wide receiver, who do you want or who do you expect to emerge as the No.1 guy?
"I love where we are with that position. We are very talented there. Some people don't perceive us as being as talented as I do, but we have two or three guys that could step up as a No. 1 guy. Some of that is a great motivator for those guys. There's great competition to become that guy. I think we have quality receivers and I think we'll be real productive there.''
How much do you look forward to Saturday, having everybody here, having the fans there and kind of officially kick off training camp?
"It'll be great having everyone in here. It truly is exciting. But I woke up at about 4 this morning, so I'm not getting anymore excited than I was today. I know this is rookies and camp starts Saturday, but in my mind camp started this morning. We're in meetings and we're coaching those guys and a couple of them that we don't even know - you don't know and I don't know who they are - a couple of them are going to evolve and have an impact on our football team. That's the fun of camp.''
Are you worried at all about a lack of starting experience across your linebacking corps, aside from Merriman?
"I would answer that yes if these guys hadn't been here and played as much as they've played. Stephen (Cooper) and Matt (Wilhelm) have played quite a bit. Our fans and people we play against will be pleasantly surprised by the way our inside linebackers play.''
Today was the first look you got at Paul Oliver up close. How did he look?
"I went over there intentionally and watched the defensive backs in their individual period and he's extremely quick. He's got great quickness and he's a big physical guy. He didn't get as much today; he got in here two days ago and he's trying to cram to get to know what he needs to do.''
How different a head coach are you now than the last two experiences?
"If you don't learn in every situation you're in, if you don't grow in every situation you're in, then you're foolish. When I went to Washington I was 40 years old and had never been a head coach. I'd like to think that was a long time ago; you grow a lot. I think having the guys we have helps you grow even faster. I think even last year, being with Mike Nolan, there were some things he did that I liked and we're going to implement some of those things in terms of practice schedules and meeting schedules. I'd like to think I'm a lot better.''
What's it like to play for Norv?
"It's going to be a treat. I can already tell. I'm anxious to see the whole operation of a game day, but it's going to be a lot of fun. He's a guy that's very demanding of the quarterback, expects a lot from him but does a heck of a job of relaying information and allowing me to know how he thinks. That's a key: The quarterback needs to know why the play caller is calling a play. That's something I can see: We think a lot alike, which is going to make the whole transition smooth.''
Can you compare coming into this training camp with last year and how you've grown and what's different?
"I'm coming in with a decent number of games under my belt to where there's not a whole lot of unknowns. I know what's expected. I'm just excited and anxious, more than anything. We know what the expectations are. There hasn't been a whole lot of dialogue in the locker room about what we expect and what we've got to do and all that rah-rah because we know how we disappointed we were last year and what we should have done and now it's a matter of getting back at it to get that done.''
Where did you grow the most as a QB last year?
That's hard to say. I just think overall the calmness and being comfortable. I went there for a while where I was pretty solid and then had that span where I was kind of all over the place in the pocket and couldn't throw a completion there for a while. That was a tough little stretch but from what I've been told, young quarterbacks can kind of go through those times and it was good that I was able, for the most part, get out of it. Being consistent, I think that's the key. ... We have no excuses on offense not to be rolling early in the year.''
The offense and defense isnt what i should be concerned about its Nate Kaeding. If the game is on line again in the playoffs. He has to make those kicks. I know its harder than it seems but thats what is gonna make the difference between losing in the playoffs and winning a championship....Nae has to come through...
The offense and defense isnt what i should be concerned about its Nate Kaeding. If the game is on line again in the playoffs. He has to make those kicks. I know its harder than it seems but thats what is gonna make the difference between losing in the playoffs and winning a championship....Nate has to come through...
I totally agree....Nate has a tendency to choke....I wouldn't put the game in his hands!
Sure, but with Marty gone the game plan won't be to win by the smallest possible margin.
Give me a break. Yeah so he joked at the Jets game. That wasn't entirely his fault. Marty playing not to win and not opening up the offense a bit more when we were steam rolling over the Jets in OT was the problem.
You can't blame Nate for not making a 53 yarder to beat the Pats last year. That's completely unfair. I'd leave the game in Nate's hands (foot) if he wasn't kicking into the wind on a desperate 53 yarder any day.
1. It's hard to expect a kicker to make a 43 yder... it was a 43 yarder, right? Of course you want him to make those but it's not automatic. The year prior, he should have made those kicks. That loss is on him.
2. Marty didn't lose that game vs. the Pats last year. D-flo acting like an idiot and our 2ndary choking down the stretch lost that game. Marty's game plan was fine. Plus, marty didn't call the plays and purposefully stayed out of it for the most part. Our players lost that game in the 4th quarter.
I'm just worried about the coaching aspect... hopefully the defense is as aggressive as last year ... i think if we get our defense as what it was last year and secondary improvement we should be fine... hopefully Norv can be a great coach and not just a great coordinator ....
The ability to stay focus and to have a Leader in pressure situations will be key to close games. This is where the Chargers will mature this season, someone will step up .(PLAYER AND/OR COACH) and have the leadership qualities to focus on the game plan and motivate the Team to play like a Team more hungry to win, then the opponent.
We have the Players (very good, rated by the experts) we even have a very nice looking new uniform and we have a sellout stadium that will demand no less then a WIN in every game, home and away.........
Norv Turner is a great offensive mind as we all know but hasn't proven to be much of a leader as a head coach. Hopefully Phillip Rivers , who seems to be a born leader,will be able to fill that void.
Can't wait for kick off...
AJ has assembled the most talented,young group of players in the NFL. Don't forget how many seasons the Colts got bounced out of the playoffs even though they were regognized as a top talent team.To be the best,you gotta beat the best. We face nearly every top team in the NFL this season, and if we finish strong,this team should have the confidence to face any team, anywhere. Once these guys win the first one, watch out. This roster, with Championship experience will be scary. Go Bolts.


text:
My MobileMe trial subscription just expired. And I sure as hell won't pay $99 for something I can get for free. Read about my best free substitutes for MobileMe for Mac, Windows and Linux.
In a perfect world, MobileMe would be free. I mean, after you pay an insane amount of money for a computer and expensive display adapters, they could at least thank you with a free MobileME account. But, no sir. They want to scam you for your very last dime, but it won't work this time.
MobileME offers cloud services for Mac, Windows and iPhone/iPod touch. You get your email (a @me.com e-mail address), contacts and calendar in sync on all platforms, iDisk online storage repository, a web gallery to publish photos from iPhoto/Aperture or iPhone and movies from iMovie, iWeb publishing space, Back to My Mac feature and a web interface to access all your data. All these features share in common only 20 GB of space.
I have to admit that the tight and elegant integration with the Mac and the plethora of features it offers, makes MobileME a great service. But it is not worth 99$.
Set up Mail to use your Gmail account with IMAP. You get 7+ GB of space, 20 MB attachment limit, labels (folders) and the possibility to gather all your mail from other POP3 accounts.
I'd say skip Outlook all together and stick to Gmail's web interface, but if you like Outlook, configure it to use Gmail with IMAP.
Use your favorite e-mail client and configure it for your Gmail IMAP account.
You can use Gmail IMAP but you don't have PUSH mail (I wonder why Yahoo Mail has PUSH, but Gmail does not). For PUSH, you can configure an Yahoo account or a free Mail2Web Exchange account and have your Gmail account mark as read and forward all incoming mail to one of these accounts. To reply, use your Gmail account.
Gmail's interface is simple, clean and functional. The big difference from other email systems is its threaded conversations. Many times I wanted to quit Apple Mail for Gmail's web interface.
iCal can be synced to your Google Calendars using the CalDAV protocol. Use this nifty application for easy setup.
Use Google's Calendar Sync tool for Outlook or get a free Plaxo account and install the Plaxo Toolbar for Microsoft Outlook to sync your Google Calendars.
You can use Evolution's built in support for Google Calendar or use Thunderbird + Lightning Calendar extension + Provider for Google Calendar extension.
You can do it the offline-way by syncing the calendar when you connect the iPhone to iTunes or over the air, where you have some viable options:
– NuevaSync is a web-based solution that creates a Microsoft Exchange account you can connect to, so there is nothing to install on your iPhone. There is a security threat, because all your Google data goes through NuevaSync's servers. Also, note that all your calendar events on your iPhone will be wiped and replaced with Google Calendar's events. The iPhone allows only one Microsoft Exchange account, so if you already used Mail2Web for push Gmail then you need to choose another solution for Calendar Syncing.
– NemusSync is a Cydia/Installer application, so you can install it only on a jail-broken iPhone. It can sync your Google Calendar with iPhone's Calendar on demand. It supports multiple calendars and multiple Google Accounts.
– SaiSuke is $10 iTunes Store separate calendaring application, where syncing to your Google Calendar is a breeze. It is actually better than iPhone's built-in Calendar app because it offers many extra views.
I consider Google Calendar's web-interface better than iCal or Outlook. The Quick Add feature that lets you type natural language sentences is very useful.
You can enable Address Book to sync to your Gmail Contacts fairly easily if you've connected an iPhone or an iPod touch to your Mac before. If not, you need to follow these instructions to get the Sync with Google option to appear in Address Book's preferences.
Use a Plaxo account with the Plaxo Outlook Toolbar to sync with Outlook Contacts.
You can use Evolution's built in support for Google Contacts or use Thunderbird + Zindus extension .
You can try the offline way with syncing to iTunes or over the air with NuevaSync's free Exchange account.
Google Contacts separates your contacts in to two groups: My Contacts and Suggested Contacts. Suggested contacts contains people you e-mailed frequently.
Use Dropbox. You get a Dropbox folder in your Documents folder. Everything you drop here will be uploaded into the cloud (you get 2 GB for the free account) and from there downloaded to all your computers where you install Dropbox.
If you drop a file in the Public sub folder of Dropbox, with a right click on that file you get a public link that you can share over email or IM. If you use Dropbox to sync other computers, you cannot specify which files in the Dropbox folder you want to be synced, so don't forget to delete those large files you uploaded just for sharing purposes.
You can use Dropbox or Syncplicity. Syncplicity has more features than Dropbox: it allows any folder to be synced online, you can specify if a folder should only be backed up online or also be synced to other computers with Sycnplicity installed and when you open Syncplicity on another computer you are asked if you want to download the synced folders. The free Syncplicty account has 2GB of space, but if you invite three friends you get one extra GB for each.
If 2 GB is not enough you can always use GDrive shell extension, which turns a Google Account in to a drive that appears in Windows Explorer.
You can also use Gladinet Cloud Desktop to map your Google Docs into a folder inside Gladinet Drive that appears in Explorer.
Use DropBox.
Both Dropbox and Sincplicty offer web interfaces for easy access to your important files and allows uploading of new files.
You have several options:
– the Dropbox Gallery feature. Just drop a folder with photos inside the Photos subfolder in Dropbox and a web gallery is automatically created. Just right-click to get the url. All the photos are resized to 640 by 480 and the web gallery is pretty dull looking with only one standard view.
– iPhoto with Picasa WebAlbums plugin. Picasa WebAlbums offers a tone of features (including face recognition for automatically tagging your friends) but just 1GB of space.
– iPhoto with Flickr plugin. Flickr offers 100 MB a month of traffic. (You have a $24.95/year unlimited storage PRO plan)
Use Dropbox, Picasa with Picasa WebAlbums or get a Flickr Uploader.
Same as Windows.
Use the free Shozu app to upload your pictures to Picasa WebAlbums or Flickr. You can also use the AirMe app to instantly upload the snapshots you take with the camera. If everything else fails you can send the pictures by mail to your Flickr account, but they will be downscaled by the iPhone.
Both Picasa and Flickr web interfaces are great for uploading, organizing and sharing your photos. Of course there are other photo sharing websites, like Zoomr, that offer unlimited storage space, but they have limited upload options.
Back to My Mac
Use Windows Live Sync to access any files on your computer and Screen Sharing over internet for remote work.
Use Windows Live Sync (or Hamachi and simple file sharing) and TightVNC.
FTP and VNC.
If you've used some of these alternatives for MobileMe or you know some more (only free) please tell us in the comments.


text:
Entertainment Photos
MTV Movie Awards Photos: See the best moments
Photo: Matt Sayles/Matt Sayles/Invision/AP
Shailene Woodley, left, and Ansel Elgort introduce a performance by Twenty One Pilots at the MTV Movie Awards on Sunday, April 13, 2014, at Nokia Theatre in Los Angeles. (Photo by Matt Sayles/Invision/AP)
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- Report: #1024816
Report - Rebuttal - Arbitrate
Complaint Review: DoubleDown Casino
DoubleDown CasinoInternet United States of America
DoubleDown Casino DDC Survey scams, casino chip fraud, spyware and malware attacks on my pc, Internet
*Consumer Comment: Those Survey Sites are Not DoubleDown Sites
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It also puts spyware and malware on your computer. Several times I have gotten alerts from my malware programs that malicious programs were being sent to my pc. Once I had over 287 things on it that had to be removed just in a 3 minute survey I completed. I now let people know online on facebook to be Aware of the scam. I feel they should be monitered for their activity and stopped for the illegal things I have read about already reported by others.
This report was posted on Ripoff Report on 03/07/2013 04:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/DoubleDown-Casino/internet/DoubleDown-Casino-DDC-Survey-scams-casino-chip-fraud-spyware-and-malware-attacks-on-my-p-1024816. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
Those Survey Sites are Not DoubleDown Sites
AUTHOR: Sballplayer014 - ()
SUBMITTED: Thursday, July 04, 2013POSTED: Thursday, July 04, 2013
That is not DoubleDown Casino, you should have figured that out by now. Those survey sites are people who make money when you click on the survey links and they use DoubleDowns name and promises of coins as a means to get you to click on them. If you take a look at the URL you will notice that it is either a .png or. html those are just gifs and pics. they really don't give you anything. You can't blame DOUBLE DOWN for that.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
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strict standards for business conduct.


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JUL 19, 2013 - CBS News
A Must Read - Share
The image of beloved former South African president Nelson Mandela has inspired art ranging from public statues to T-shirts to tattoos
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After divorce, woman remakes wedding dress into roller derby uniform
Not long after discovering and joining a New Hampshire and Vermont-based roller derby group, the Upper Valley Vixens, the mom of two suddenly had her answer: With scissors firmly in hand, she'd turn her voluminous gown into one awesome roller derby debut outfit.
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I grew up in the Rutland area and worked for several corporations as an electrical engineer. Twenty years ago we started a church in the Chicagoland area and ten years ago we came back to Rutland to pastor Calvary Bible. My role involves teaching the Bible in a practical and relevant way, building a team of partners in ministry and developing ministries around the five purposes of the church. I love to see people's eyes light up when they finally understand that Jesus is the answer to what they have been searching for. My wife and I and our three sons live in Rutland Town. For fun I enjoy yard work, volleyball and photography.
I am a native of Keene, NH and have lived in Vermont since 2009. I served our country as a Marine before meeting and marrying Bonnie; we have two children, Emma Mae and Evan David. I previously served 16 years as youth pastor, both at Christian Life Fellowship in NH, and Essex Alliance Church in VT. I am excited to have joined the team of Calvary Bible, and look forward to continuing to create an atmosphere where students can encounter Christ and feel comfortable reaching out to others. I am an avid sports enthusiast, and especially enjoy watching my Boston teams (Red Sox, Bruins, and Celtics) and the New England Patriots play.
- George Atkins
- Len Benson
- Gregg Farrell
- Bob Goddard
- Scott Hoyle
- Gary Lambert
- Dave Lind
- Ron Gruber
- Mark Lauf
- Bob Preedom
- Peter Snow
Part-time Staff
- Ministry Coach: Dawn Lind
- Administrative Assistant: Holly Anderson
- Financial Administration: Buneva Wilson
- Custodian: Donna Carpenter


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Five people were injured in a two-car crash that included a pedestrian.
Police told News 5 that two cars collided at the intersection of Old Ky. 17 and Ky. 17 just after 7:30 a.m.
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- Overview
- Transcript
- View Offline
- Understanding a SharePoint team site
- Navigating lists and libraries
- Creating Document Workspaces
- Using versioning and check-in/check-out
- Integrating with Office 2010 applications
- Adding and deleting users
- Creating workflows
- Working with server site templates
- Creating a wiki and a blog
- Working with rich media
- Managing documents and other content
- Sharing information with charts and status indicators
Skill Level Beginner
Here is the secret for understanding any SharePoint site. It's not about the web pages. It's about the chunks. It's about the components. It's about the pieces that this site is made of. What do I mean by that? Well, let me show you. A team site is not a bunch of web pages put together and given some address. A team site really represents different pieces that will be useful for, in this case, a team, such as a calendar. A place to put meetings, a place to put events, a task list, so that we can create task for other people, or other people can create them for us.
A place to upload documents, and work on documents, a shared library of documents, if you will. It's got a place for links, useful links that you might need. Links to vendors, links to clients. It's got a place for announcements, news and information that could be useful for your team, and a discussion board. And what the team site is just a website that wraps around these pieces. The pieces are what's important. The website is just there to hold the pieces together.
So to truly learn what a team site is we want to actually work with these individual pieces, what are called the lists and libraries that our site is made off, and all SharePoint sites are made of a collection of lists and libraries. So in SharePoint, for example, if I want to work with a calendar, and my team site does have a calendar, you don't tell SharePoint, "I want a page to view the calendar and I want a page to add an entry to the calendar and a page to delete an entry from the calendar." You just say "hey SharePoint, I want a calendar," and SharePoint generates all those different pieces and all those different web pages for you.
The calendar is a pretty classic example of a list in SharePoint, and in SharePoint 2010 it's quite a powerful little thing. Simply by mousing over any particular day, we have the Add link will actually pop up, or you can actually double -click as well. That will work. Notice that we don't even go to a different page. It just opens up a calendar entry section, where I can put in a title, an optional location. We do have to give it a start date and an end date.
Some information, if needed, and we have all sorts of usual calendar options like recurrence and all-day event and a category, if we need one. And then I click the Save button and it adds it to our calendar. Now, notice what's happened also here is that the Ribbon at the top of the page has changed. And we mentioned this before. It's the idea that this Ribbon will shift based on context. If we are in the calendar, for example, it's showing us a bunch of things I can do with the calendar.
Change to Week View, change to a Day View, change to a Month View. There are options that we will explore later, such as Connect to Outlook and Export to Excel. And really what we are looking at here is that the calendar has actually two dedicated sections to its Ribbon. In fact we can get the clue up here by this section that says Calendar Tools. Really what's happening here is we have two different parts to it. We have the Events section and we have the Calendar section, and that really means one thing at a time or the whole calendar.
So if I select a particular event, such as the Weekly Review that I just added, it shifts to this Events section of this Ribbon, where I have New Event, View Event, Edit Event, Delete Event, Attach File to the event. Whereas if I wanted to shift the whole calendar to the Week View or the Day View, I always click the Calendar section of the Ribbon and say yes, I want to affect the entire calendar, change to the Week View, or change to the Day View, or change to the Month View, or change even settings of the calendar, and what you will find is the Ribbon behaves this way on all our different lists.
So to explore a couple of the others, I am going to click our Browse button here to kick us back into the regular breadcrumb mode, or I can click the words Team Site. That for me will take me back to the homepage of this very basic team site, and then I am going to jump into this Tasks navigation section here. This is a Tasks list. Looks a little different from the calendar obviously, because that would make sense. It's fairly obvious how I would add something. I actually have a link here that says Add new item, but if you notice also, up here in the Ribbon, we have a List Tools.
Where on the other page we had Calendar Tools, now we have List Tools, and it breaks it down into items. So working with individual items in the list and working with the entire list itself. Always context-sensitive and always aware. Meaning that you'll find many of these options will be grayed out if they're not actually relevant at that particular time. Now, you'll find that in SharePoint there are often multiple ways to do the same thing. For example, if I'm on the Items section of the Ribbon, I have an option that says New Item.
Just below it, however, I have an option that says Add new item, regardless if I am on the Items section of Ribbon. Both of these will do exactly the same thing. I select them, they will pop up a little modal window that will say give me a title, Review function specification. If you have multiple tasks, you can define what are called predecessors. We'll explore those later. We can talk about things like the Priority. Let's called this High Priority. The Status is In Progress. Perhaps it's 10% complete.
I can assign it to a particular person. I can give it a Due Date. I am not going to do any of those things right now. I am just going to click Save. And all lists inside your SharePoint sites essentially behave the same way. Some of them have dedicated views, meaning that if we are looking at the calendar, we want to see the Calendar View of them. Some of them have more simplistic views. If I am looking at Tasks, it's pretty much a straightforward list of what that task is. We will also have a Team Discussion area. This looks very similar to the Tasks list.
In fact you will find that it says List Tools again, the same way that Tasks list said List Tools. Now, I mentioned that a team site is more than just a calendar and a task list and a team discussion. That it also has a Documents Library. this is place called Shared Documents, where you can upload documents, again, behaving very, very similar, but we see up in the Ribbon, we have a Library Tools section instead of a List Tools or Calendar Tools. But again split between the idea of working on an individual document, so I can make a new document, upload a document, make a new folder, and we will get much more into Document Libraries a little later on.
But I also have the Library section of the Ribbon, where I can change settings of the library and how the library is viewed. But there is a little more to this. I also mentioned that we had a list of links, and we had a list of announcements. Well, where are those? I don't see them here. I don't see them in my navigation. And if I switch back to my Browse mode and go back up to my team site homepage, I don't really see them there either. Well, here is the thing. If you ever really want to see what's going on on a SharePoint site, if you really want to know the pieces, the lists and libraries that this site is made of, the link that you are going to look for is this one down at the bottom of the Quick Launch Bar that says All Site Content.
It can also be viewed from the Site Actions menu. And depending on your permissions, you may have either a dozen options here or just one or two. There is an option here that says View All Site Content. View all Libraries and Lists in this site. Clicking either of this would do the same thing, taking us to the All Site Content page. Now, there is a quite a few things here. You may see something different in your own sites. It looks like I have got a section that says Document Libraries and there's quite a few things here.
We have got six different entries under Document Libraries and it says Picture Libraries, there are no Picture Libraries. To create one, click the Create button. Well, we will do that later. And then in Lists, we have Announcements, a calendar, a Links list and a Tasks list. Finally below that we have the Team Discussion list, and below that we have the Recycle Bin. I can see a couple of places here that says, well, this looks like there is a place for Surveys to go, this looks like there is place for Sites and Workspaces, which really means other SharePoint sites.
Other SharePoint sites can be created underneath this one as children or sub-sites of this one. Now, you will find that this All Site Content page is always able to tell you the different pieces or components that make up any SharePoint site. So you will find that there is a different All Site Content page for every single SharePoint site in your SharePoint installation. There could be a dozen of these, there could be a thousand of these, and it's the combination of lists and libraries that really make up what your site is made of and what your site does and how it behaves.
This is a pretty typical team site right out of the box. If I find an Announcements list useful, I can go into that Announcements list. I have got one entry in there that says Get Started with Microsoft SharePoint Foundation. That's a default entry there for an Announcements list. I can add my own Announcements. Once again, you can kind of start to see that if you have added an entry to the Calendar and you have added an entry to the Tasks list, well, adding an entry to the Announcements List really isn't all that different. It's just a different selection of fields that I can enter into.
in fact, this is one of the simplest ones possible. I am just going to cancel out of that. I don't need to do it. Click Back to go back to my All Site Content page and take a look even further down. I have got the Links list. This is just another old list in SharePoint. In fact, adding a new link is almost the simplest one we could possible do. Adding the idea of say, let's say lynda.com and some optional notes.
Now, the question might be, well, what happens to this list, where does it go? So I have to go into my View All Site Content and then drop down into the Links section and click Add new link? Well, what's the use of putting my data here? Well, that's kind of up to you. Again, what the team site is is really just a suggestion. Microsoft is saying well, we think that on a typical team you will find it useful to have a place to put some documents, a place to put a calendar, a place to put some tasks, a place to have a team discussion, a place to put links, a place to put announcements.
What you do with that data and how you choose to present that, well, that's a bit more customizable. If I go back to the homepage of my team site, once again by clicking this Team Site link here, I might expect to see my announcements here, or my links here, or my tasks here, and I can do that. The homepage is editable. The homepage is changeable. I can customize this. But I can know that I have got underlying data going on here. That really my team site is made up of a collection of lists and libraries, and those are the core building blocks of all SharePoint sites.


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|Home | Contact us | Links | Archives | Search
The Historic Meeting between the Somaliland Cross-parliamentary members and UK's All-Party Parliamentary Group
Issue 316
London, February 9, 2008 (SL. Times) - The Somaliland Cross-parliamentary Group (CPG) which consists of 15 members has met with the UK's All-Party Parliamentary Group (APPG) on Wednesday the 6 th of February 2007 at the House of Commons. APPG composed of politicians from all political parties including members of the House of Commons and the House of Lords. The representative of APPG consists of RH Mr. Allum Michael MP, RH Mrs. Kerry McCarty, RH Mr. Clive Betts, and Lord Anderson. Also Mark Malloch-Brown the minister for Africa was presented in the meeting.
Other honorable guests invited and present in the meeting included, all the three national Parties namely, UDUB, Kulmiye and UCID. Non-governmental organizations, such as Somaliland Focus Group, Progressio, Academy of Science and Development (AOSAD), Somaliland Society Europe, Somaliland Democratic Network, Anglo-Somali Society, Somaliland International Recognition Action Group (SIRAG) and West London Somaliland Community and others.
The CPG express gratitude to the APPG for facilitating this meeting for visiting Somaliland last year. The CPG representatives have welcomed the dialog and holding such meetings in order to take the Somaliland issues to the appropriate international audience to seek that long awaited recognition. The CPG members have solicited the UK government to take forward the recent bilateral developments in Somaliland both the previous meetings with the President Mr. Dahir Rayaale and his delegation and the current meeting today, particularly the Prime Minister Brown's pledges to support Somaliland both in technical reconstruction efforts and maintenance democratic institutions in Somaliland.
Lord Mark Malloch-Brown expressed his appreciation of the arrival of Somaliland's CPG members and their acceptance of the invitation in order continues the British Government's historical ties with Somaliland.
Lord Mocullacham has emphasized the fact that UK Government has rewarded Somaliland's democracy with 40% of the Aid to former Somalia, approximately 8 Million goes to Somaliland to continue in strengthening the democratic efforts and in building necessary the institutions.
In addition the Lord has echoed sense of concerns over the growing terrorism movements in the neighbouring Southern parts of Somalia and the current upsurge of ships abducted by pundits of Puntland. He continue to argue that the UK's current position of the issue of recognition is that recognition must first be supported by members of the African States and in this UK government shall endeavor to support Somaliland by engaging with African states.
However, the successful implementation of democratic principles in Somaliland is a remarkable by any standards and must be applauded. Furthermore, Human rights organizations, pressure groups and other international organizations are relatively monitoring and have an eye with interest the Somaliland progressive steps. Therefore it is crucial to maintain the high standards set you have set your selves.
Allum Michael has reverberated and commended the Somaliland, its Citizens and Parties in making what Somaliland is today. Michael has informed the members about the recent visit to Somaliland by the APPG and follow on report which is due to be submitted to the Government. The report contains the success stories of Somaliland in terms elections and the need for infrastructure assistance in Roads, Port of Berbera and Communications development in Somaliland
Several questions were put to the APPG by audience and participants in terms of need for the UK to support Somaliland.
Indeed, this was a historic meeting and the conclusions which can be drawn from this meeting are that Somaliland has overcame many obstacles and barriers, however, it seems that further tests remained. The APPG signified that everything rests on the maintenance of the democratic principles and upholding the rule of law. Particularly, the world is waiting in anticipation the upcoming presidential elections due in August 2008. In conclusion, it seems that Somaliland has attracted the eyes of the key international players and at last full international recognition is on the verge.
by Dr. Osman Warsame
Source: Somaliland Times
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Comedian Jimmy Kimmel, right, reacts alongside fellow presenter Kerry Washington after "Jimmy Kimmel Live!" was nominated for Outstanding Variety Series during the nominations for the 64th Primetime Emmy Awards at the Academy of Television Arts & Sciences in Los Angeles, Thursday, July 19, 2012. The 64th annual Primetime Emmy Awards will be presented Sept. 23 at the Nokia Theatre in Los Angeles, hosted by Kimmel and airing live on ABC. (Photo by Chris Pizzello/Invision/AP)


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SAUGERTIES — Police arrested a Saugerties man Thursday and charged him with using a knife to cut the housemate charged with stealing his property, the Ulster County Sheriff's Office said.
Oscar Covington Jr., 65, confronted Paul Thompson, 54, after discovering property missing from inside the residence they shared at 1826 Route 32 North, police said. During a fight Covington cut Thompson in the arm with a spring-loaded knife, police said.
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Quotes & Info
|METR > SEC Filings for METR > Form 10-Q on 9-Nov-2012
|All Recent SEC Filings
Quarterly Report
The following is Management's Discussion and Analysis of Financial Condition and Results of Operations which analyzes the major elements of Metro Bancorp Inc.'s (Metro or the Company) balance sheet as of September 30, 2012 compared to December 31, 2011 and statements of operations for the three months and the nine months ended September 30, 2012 compared to the same periods in 2011. This section should be read in conjunction with the Company's consolidated financial statements and accompanying notes.
Forward-Looking Statements
This Form 10-Q and the documents incorporated by reference contain forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, which we refer to as the Securities Act and Section 21E of the Securities Exchange Act of 1934, which we refer to as the Exchange Act, with respect to the financial condition, liquidity, results of operations, future performance and business of Metro. These forward-looking statements are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that are not historical facts. These forward-looking statements include statements with respect to our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions that are subject to significant risks and uncertainties and are subject to change based on various factors (some of which are beyond our control). The words "may," "could," "should," "would," "believe," "anticipate," "estimate," "expect," "intend," "plan" and similar expressions are intended to identify forward-looking statements.
While we believe our plans, objectives, goals, expectations, anticipations, estimates and intentions as reflected in these forward-looking statements are reasonable, we can give no assurance that any of them will be achieved. You should understand that various factors, in addition to those discussed elsewhere in this Form 10-Q, in the Company's Form 10-K and incorporated by reference in this Form 10-Q, could affect our future results and could cause results to differ materially from those expressed in these forward-looking statements, including:
• the effects of and changes in, trade, monetary and fiscal policies, including interest rate policies of the Board of Governors of the Federal Reserve System, including the duration of such policies;
• general economic or business conditions, either nationally, regionally or in the communities in which we do business, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and loan performance or a reduced demand for credit;
• the effects of the pending "fiscal cliff," an unprecedented slate of tax hikes and federal government spending cuts set to take effect January 1, 2013, on economic and business conditions in general and our customers in particular;
• the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and other changes in financial services' laws and regulations (including laws concerning taxes, banking, securities and insurance);
• continued effects of the aftermath of recessionary conditions and the impacts on the economy in general and our customers in particular, including adverse impacts on loan utilization rates as well as delinquencies, defaults and customers' ability to meet credit obligations;
• our ability to manage current levels of impaired assets;
• the impact of changes in Regulation Z and other consumer credit protection laws and regulations;
• changes resulting from legislative and regulatory actions with respect to the current economic and financial industry environment;
• changes in the Federal Deposit Insurance Corporation (FDIC) deposit fund and the associated premiums that banks pay to the fund;
• impacts of customer deposit and withdrawal behavior on individual noninterest-bearing demand accounts with balances in excess of $250,000 if Congress fails to extend beyond December 31, 2012 the FDIC's ability to provide unlimited insurance coverage on such accounts;
• interest rate, market and monetary fluctuations;
• the results of the regulatory examination and supervision process;
• unanticipated regulatory or legal proceedings and liabilities and other costs;
• compliance with laws and regulatory requirements of federal, state and local agencies;
• our ability to continue to grow our business internally or through acquisitions and successful integration of new or acquired
entities while controlling costs;
• continued levels of loan volume origination;
• the adequacy of the allowance for loan losses;
• deposit flows;
• the willingness of customers to substitute competitors' products and services for our products and services and vice versa, based on price, quality, relationship or otherwise;
• changes in consumer spending and saving habits relative to the financial services we provide;
• the ability to hedge certain risks economically;
• the loss of certain key officers;
• changes in accounting principles, policies and guidelines;
• the timely development of competitive new products and services by us and the acceptance of such products and services by customers;
• rapidly changing technology;
• continued relationships with major customers;
• effect of terrorist attacks and threats of actual war;
• other economic, competitive, governmental, regulatory and technological factors affecting the Company's operations, pricing, products and services;
• interruption or breach in security of our information systems resulting in failures or disruptions in customer account management, general ledger processing and loan or deposit systems; and
• our success at managing the risks involved in the foregoing.
Because such forward-looking statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such statements. The foregoing list of important factors is not exclusive and you are cautioned not to place undue reliance on these factors or any of our forward-looking statements, which speak only as of the date of this document or, in the case of documents incorporated by reference, the dates of those documents. We do not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on behalf of us except as required by applicable law.
The Company recorded net income of $2.0 million, or $0.14 per common share, for the third quarter of 2012 compared to a net loss of $5.7 million, or $0.41 per common share, for the same period one year ago. Third quarter net income of $2.0 million was net of a nonrecurring expense of $1.5 million for a civil money penalty assessed against Metro Bank, the Company's subsidiary bank, by the FDIC. The penalty arose out of certain findings related to the Bank Secrecy Act (BSA) as set forth in regulatory examinations conducted in 2009 and 2010.
Third quarter and first nine months of 2012 highlights were as follows:
• Net income for the first nine months of 2012 totaled $7.4 million, or $0.52 per common share, up $9.6 million, or $0.68 per common share, over the net loss of $2.2 million, or $0.16 per common share, recorded in the first nine months of 2011.
• Total revenues for the third quarter of 2012 were $28.9 million, up $873,000, or 3%, over total revenues of $28.1 million for the same quarter one year ago. Total revenues for the first nine months of 2012 increased by $2.4 million, or 3%, over the same period in 2011.
• The Company's net interest margin on a fully-taxable basis for the third quarter of 2012 was 3.85% compared to 3.77% for the third quarter of 2011. The Company's deposit cost of funds for the third quarter was 0.35% compared to 0.58% for the same period one year ago.
• Noninterest expenses for the third quarter 2012 were $23.1 million, down $302,000, or 1%, compared to the third quarter
one year ago. Noninterest expenses for the first nine months of 2012 were down $3.6 million, or 5%, from the first nine months of 2011, as the Company was able to reduce expenses in almost every category.
• Total deposits increased to $2.24 billion, up $172.4 million, or 8% (non-annualized), for the first nine months of 2012.
• Core deposits (all deposits excluding public fund time deposits) grew $156.9 million, or 8% (non-annualized), compared to December 31, 2011.
• Net loans now total $1.48 billion, up $64.3 million, or 5% (non-annualized), for the first nine months of 2012.
• Our allowance for loan losses totaled $25.6 million, or 1.70%, of total loans at September 30, 2012 as compared to $23.3 million, or 1.61%, of total loans at September 30, 2011. During the past twelve months the nonperforming loan coverage ratio has increased from 61% to 68%.
• Nonperforming assets were 1.67% of total assets at September 30, 2012 compared to 1.73% of total assets at December 31, 2011.
• Metro's capital levels at September 30, 2012 remain strong with a total risk-based capital ratio of 15.76%, a Tier 1 Leverage ratio of 10.18% and a tangible common equity to tangible assets ratio of 9.09%.
• Stockholders' equity increased by $11.8 million, or 5% (non-annualized), for the first nine months of 2012 to $231.8 million. At September 30, 2012, the Company's book value per share was $16.33.
Summarized below are financial highlights for the three and nine months ended September 30, 2012 compared to the same periods in 2011:
TABLE 1 At or for the Three Months Ended For the Nine Months Ended (in millions, except per September 30, September 30, share data) 2012 September 30, 2011 % Change 2012 September 30, 2011 % Change Total assets $ 2,538.4 $ 2,435.1 4 % Total loans (net) 1,479.4 1,421.3 4 Total deposits 2,243.9 2,059.4 9 Total stockholders' equity 231.8 219.3 6 Total revenues $ 28.9 $ 28.1 3 % $ 87.4 $ 85.0 3 % Total noninterest expenses 23.1 23.4 (1 ) 68.7 72.3 (5 ) Net income (loss) 2.0 (5.7 ) 135 7.4 (2.2 ) 439 Diluted net income (loss) per common share 0.14 (0.41 ) 134 0.52 (0.16 ) 425
Our accounting policies are fundamental to understanding Management's Discussion and Analysis of Financial Condition and Results of Operations. Our accounting policies are more fully described in Note 1 of the Notes to Consolidated Financial Statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2011. Our consolidated financial statements are prepared in conformity with accounting principles generally accepted in the United States of America (GAAP). These principles require our management to make estimates and assumptions about future events that affect the amounts reported in our consolidated financial statements and accompanying notes. Since future events and their effects cannot be determined with absolute certainty, actual results may differ from those estimates. Management makes adjustments to its assumptions and estimates when facts and circumstances dictate. We evaluate our estimates and assumptions on an ongoing basis and predicate those estimates and assumptions on historical experience and on various other factors that are believed to be reasonable under the circumstances. Management believes the following critical accounting policies encompass the more significant assumptions and estimates used in preparation of our consolidated financial statements.
Allowance for Loan Losses. The allowance for loan losses (allowance or ALL) represents the amount available for estimated
potential losses embedded in our loan portfolio. While the allowance is maintained at a level believed to be adequate by management for estimated potential losses in the loan portfolio, the determination of the allowance is inherently subjective, as it involves significant estimates by management, all of which may be susceptible to significant change.
While management uses available information to make such evaluations, future adjustments to the allowance and to the provision for loan losses may be necessary if economic conditions or loan credit quality differ materially from the estimates and assumptions used in making the evaluations. The use of different assumptions could materially impact the level of the allowance and, therefore, the provision for loan losses to be charged against earnings. Such changes could impact future financial results.
Monthly, systematic reviews of our loan portfolios are performed to identify potential losses and assess the overall probability of collection. These reviews include an analysis of historical loss experience, which results in the identification and quantification of loss factors. These loss factors are used in determining the appropriate level of allowance to cover estimated potential losses in specific loan types. The estimates of loss factors can be impacted by many variables, such as the number of years of actual loss history included in the evaluation.
As part of the quantitative analysis of the adequacy of the ALL, management bases its calculation of probable future loan losses on those loans collectively reviewed for impairment on a two-year period of actual historical losses. When the economy, borrower repayment ability, loan collateral values and other factors used in our analysis show sustained signs of improvement, the Bank may adjust the number of months used in the historical loss calculation.
Significant estimates are involved in the determination of any loss related to impaired loans. The evaluation of an impaired loan is based on either (1) discounted cash flows using the loan's effective interest rate, (2) the fair value of the collateral for collateral-dependent loans, or (3) the observable market price of the impaired loan. Each of these variables involves management's judgment and the use of estimates.
In addition to calculating the loss factors, we may periodically adjust the factors for changes in levels and trends of charge-offs, delinquencies and nonaccrual loans, material changes in the mix, volume, or duration of the loan portfolio, changes in lending policies and procedures including underwriting standards, changes in the experience, ability and depth of lending management and other relevant staff, the existence and effect of any concentrations of credit and changes in the level of such concentrations and changes in national and local economic trends and conditions, among other things. Management judgment is involved at many levels of these evaluations.
An integral aspect of our risk management process is allocating the allowance to various components of the loan portfolio based upon an analysis of risk characteristics, demonstrated losses, industry and other segmentations and other more judgmental factors.
Other-than-Temporary Impairment (OTTI) of Investment Securities. We perform no less than quarterly reviews of the fair value of the securities in the Company's investment portfolio and evaluate individual securities for declines in fair value that may be other-than-temporary. If declines are deemed other-than-temporary, an impairment loss is recognized against earnings for the portion of the impairment deemed to be related to credit. The remaining portion of the impairment that is not related to credit is written down to its current fair value through other comprehensive income.
Stock-Based Compensation. The Company recognizes compensation costs related to share-based payment transactions in the income statement based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award. The grant-date fair value and ultimately, the amount of compensation expense recognized are dependent upon certain assumptions we make such as the expected term the options will remain outstanding, the dividend yield and the volatility of our Company stock price and a risk free interest rate.
Fair Value Measurements. The Company is required to disclose the fair value of its financial instruments that are measured at fair value within a fair value hierarchy. This hierarchy prioritizes the inputs to valuation techniques used to measure fair value, giving the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurements). Judgment is involved not only with deriving the estimated fair values but also with classifying the particular assets recorded at fair value in the fair value hierarchy. Estimating the fair value of impaired loans or the value of collateral securing foreclosed assets requires the use of significant unobservable inputs (Level 3 measurements). The fair value of collateral securing impaired loans or constituting foreclosed assets is generally determined based upon independent third party appraisals of the properties, recent offers, or prices on comparable properties in the proximate vicinity. Such estimates can differ significantly from the amounts the Company would ultimately realize from the loan or disposition of underlying collateral.
The Company's available for sale (AFS) investment security portfolio constitutes 98% of the total assets measured at fair value
and all securities are classified as a Level 2 fair value measurement (quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability). Management utilizes third party service providers to aid in the determination of the fair value of the portfolio. Most securities are not quoted on an exchange, but are traded in active markets and fair values were obtained from matrix pricing on similar securities.
Deferred Taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be used.
The Company assesses whether or not the deferred taxes will be realized in the future if it does not have future taxable income to use as an offset. If future taxable income is not expected to be available to use, a valuation allowance is required to be recognized. A valuation allowance would result in additional income tax expense in the period. The Company assesses if it is more-likely-than-not that a deferred tax asset will not be realized. The determination of a valuation allowance is subjective and dependent upon judgment concerning both positive and negative evidence to support that the net deferred tax assets will be utilized. In order to evaluate whether or not a valuation allowance is necessary, the Company uses current forecasts of future income, reviews possible tax planning strategies and assesses current and future economic and business conditions. Negative evidence utilized would include any cumulative losses in previous years and general business and economic trends. At September 30, 2012, the Company conducted such an analysis to determine if a valuation allowance was required and concluded that a valuation allowance was not necessary largely based on projections of future taxable income. A valuation allowance, if required, could have a significant impact on the Company's future earnings.
Average Balances and Average Interest Rates
Table 2 sets forth balance sheet items on a daily average basis for the three and nine months ended September 30, 2012 and 2011, respectively, and presents the daily average interest rates earned on assets and the daily average interest rates paid on liabilities for such periods.
Third Quarter 2012 compared to Third Quarter 2011
Interest-earning assets averaged $2.29 billion for the third quarter of 2012, compared to $2.23 billion for the third quarter in 2011. For the quarter ended September 30, 2012, total loans receivable including loans held for sale, averaged $1.51 billion compared to $1.45 billion for the same quarter in 2011. For the same two quarters, total securities, including restricted investments in bank stock, averaged $779.7 million and $757.1 million, respectively.
The average balance of total deposits increased $109.8 million, or 6%, for the third quarter of 2012 over the third quarter of 2011. These deposits were used to fund loan originations, to purchase investment securities and to reduce short-term borrowings. Total interest-bearing deposits averaged $1.66 billion for the third quarter of 2012, compared to $1.60 billion for the third quarter one year ago and average noninterest-bearing deposits increased by $43.8 million, or 12%, to $417.1 million. Short-term borrowings, which consist of overnight advances from the Federal Home Loan Bank (FHLB), averaged $69.0 million for the third quarter of 2012 versus $110.9 million for the same quarter of 2011.
The fully tax-equivalent yield on interest-earning assets for the third quarter of 2012 was 4.28%, a decrease of 13 basis points (bps) from the comparable period in 2011. This decrease resulted from a combination of lower yields on the Company's securities and loan receivable portfolios during the third quarter of 2012 as compared to the same period in 2011 as well as a shift in the mix of fixed versus floating interest rate assets. Floating rate loans represented approximately 58% of our total loans receivable portfolio at September 30, 2012 as compared to 50% of total loans receivable at September 30, 2011.
As a result of the current low level of interest rates, coupled with the Federal Reserve's currently stated intention to maintain this accommodating level of rates through at least mid-2015, we expect the yields we receive on our interest-earning assets will continue at their current low levels, or decline further, throughout the remainder of 2012 and in 2013 as well.
The average rate paid on our total interest-bearing liabilities for the third quarter of 2012 was 0.55%, compared to 0.82% for the third quarter of 2011. Our deposit cost of funds decreased 23 bps from 0.58% in the third quarter of 2011 to 0.35% for the third quarter of 2012. The average rate paid on deposits decreased across all categories during the third quarter of 2012 compared to third quarter of 2011. The decrease in the Company's deposit cost of funds is primarily related to the combination of time deposits that matured and renewed at lower rates as well as lower rates paid on certain interest checking and money market deposit accounts.
Both of these decreases were in response to the continued low level of general market interest rates. At September 30, 2012, $690.8 million, or 31%, of our total deposits were those of local municipalities, school districts, not-for-profit organizations or corporate cash management customers, where the interest rates paid are indexed to either a published rate such as London Interbank Offered Rate (LIBOR) or to an internally managed index rate. Time deposits, or certificates of deposit (CDs), have a significant impact on the Company's cost of funds. As certificates that were originated in past years at much higher interest rates have matured over the past twelve months, these funds have been either renewed into new CDs with much lower interest rates or shifted by our customers to their checking and/or savings accounts. As a result, our weighted-average rate paid on all time deposits, including both retail and public, decreased by 57 bps from 1.68% for the third quarter of 2011 to 1.11% for the third quarter of 2012.
The average cost of short-term borrowings was 0.24% for the third quarter of 2012 as compared to 0.20% for the third quarter of 2011. The higher average borrowing rate in 2012 reflected a lower level of low rate overnight borrowings. The average cost of long-term debt decreased from 5.33% for the third quarter of 2011 to 4.80% during the third quarter of 2012. This change was the result of the retirement of a $5.0 million trust capital debt security with an interest rate of 11.00% during the fourth quarter of 2011. The aggregate average cost of all funding sources for the Company was 0.45% for the third quarter of 2012, compared to 0.68% for the same quarter of the prior year.
On October 26, 2012, the Company repurchased and retired $8.0 million of 10% fixed rate Trust Capital Securities. These securities were issued in September 2001 and had a maturity date of September 2031. The Company recorded a one-time pretax charge of $140,000 related to this transaction. The reduction of the Company's interest expense for the fourth quarter of 2012 associated with this transaction will offset the above-mentioned one-time pretax charge. Going forward, the Company's interest expense associated with the Trust Capital Securities will be lower by $800,000 annually, on a pretax basis.
Nine Months Ended September 30, 2012 compared to Nine Months Ended September 30, 2011
Interest-earning assets averaged $2.28 billion for the first nine months of
2012, compared to $2.18 billion for the same period in 2011. For the same two
periods, total loans receivable including loans held for sale, averaged $1.48
billion in 2012 and $1.45 billion in 2011. Total securities, including
restricted investments in bank stock, averaged $798.4 million and $724.5 million
for the first nine months of 2012 and 2011, respectively.
The Company was able to fund the growth in earning assets over the past twelve months solely with the growth in deposits, allowing short-term borrowings to decrease. Total average deposits, including noninterest-bearing funds, increased by $141.1 million, or 7%, for the first nine months of 2012 over the same period of 2011 from $1.90 billion to $2.04 billion. Short-term borrowings averaged $95.0 million and $146.1 million in the first nine months of 2012 and 2011, respectively.
The fully tax-equivalent yield on interest-earning assets for the first nine months of 2012 was 4.33%, a decrease of 19 bps versus the comparable period in 2011. This decrease primarily resulted from the continued overall lower level of interest rates as yields declined for both investment securities and loans. The average fully-taxable equivalent yield on the investment portfolio fell 26 bps from 3.06% during the first nine months of 2011 to 2.80% during the first nine months of 2012 as the yields on new securities purchased in 2012 are lower than the yields on securities purchased in 2010 and 2011. The average fully-taxable equivalent yield on the loan portfolio declined 12 bps from 5.29% during the first nine months of 2011 to 5.17% during the first nine months of 2012, primarily as a result of the shift in the proportion of floating rate loans to fixed rate loans as previously mentioned.
. . .


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View groups with banned content
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...Another actress on the cover of American Vogue. Hasn't Caroline Trentini done enough in Vogue to be worthy of a cover?
Although I do have to say I thought that The Devil Wears Prada had killed Anne Hathaway's chances of ever getting a Vogue cover. But having a millionaire con-man as a boyfriend and an almost guaranteed Oscar nomination must have changed Anna Wintour's mind.


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Agency Information Collection (Request for Change of Program or Place of Training): Activity Under OMB Review
In compliance with the Paperwork Reduction Act (PRA) of 1995 (44 U.S.C. 3501-3521), this notice announces that the Veterans Benefits Administration (VBA), Department of Veterans Affairs, will submit the collection of information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the information collection and its expected cost and burden; it includes the actual data collection instrument.
Table of Contents Back to Top
DATES: Back to Top
Comments must be submitted on or before February 16, 2012.
ADDRESSES: Back to Top
Submit written comments on the collection of information through www.Regulations.gov or to VA's OMB Desk Officer, OMB Human Resources and Housing Branch, New Executive Office Building, Room 10235, Washington, DC 20503 (202) 395-7316. Please refer to "OMB Control No. 2900-0074" in any correspondence.
FOR FURTHER INFORMATION CONTACT: Back to Top
Denise McLamb, Enterprise Records Service (005R1B), Department of Veterans Affairs, 810 Vermont Avenue NW., Washington, DC 20420, (202) 632-7479, FAX (202) 273-0487 or email firstname.lastname@example.com. Please refer to "OMB Control No. 2900-0074."
SUPPLEMENTARY INFORMATION: Back to Top
Title: Request for Change of Program or Place of Training, VA Form 22-1995.
OMB Control Number: 2900-0074.
Type of Review: Extension of a currently approved collection.
Abstract: Claimants receiving educational benefits complete VA Form 22-1995 to request a change in program or training establishment. VA uses the data collected to determine the claimant's eligibility for continued educational benefits.
An agency may not conduct or sponsor, and a person is not required to respond to a collection of information unless it displays a currently valid OMB control number. The Federal Register Notice with a 60-day comment period soliciting comments on this collection of information was published on November 1, 2011, at pages 67558-67559.
Affected Public: Individuals or households.
Estimated Annual Burden Back to Top
a. Electronically—8,709 hours.
b. Paper Copy—27,095 hours.
Estimated Average Burden per Respondent Back to Top
a. Electronically—15 minutes.
b. Paper Copy—20 minutes.
Frequency of Response: On occasion.
Estimated Number of Respondents Back to Top
a. Electronically—34,836.
b. Paper Copy—81,284.
Dated: January 11, 2012.
By direction of the Secretary.
Denise McLamb,
Program Analyst, Enterprise Records Service.
[FR Doc. 2012-672 Filed 1-13-12; 8:45 am]


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Call 471-6636
I would like to ask where are the Highway Patrol? I travel to Sikeston to work from Benton on Hwy 61 and the speed limit is 60 mph from Morley to the city limits of Sikeston and on the road at 6:30 a.m. I set my cruise on 60 and I might as well be a snail. The speeding is awful and the tailgaiting as bad. I come back to Benton from Sikeston around noon. Leaving Sikeston is not so bad until you get to the last stoplight and then the race is on. People whip in and out of traffic and speed like crazy. It's very dangerous for the ones not speeding. Very seldom do I see a highway patrolman and if you do, after he passes, here they go again. The speed limit changes to 55 after you pass the Oran cut off and stays 55 all the way to Benton, and that's a joke, too. Oh, you can see Scott County deputies, but they are speeding, too. They always have no one drive the speed limit in town, 18 wheeler, cars, pickups. When you turn on 77 Hwy going east out of Benton below the hill, it's 45 up past Blodgett Road (Hwy H) and then turns into 55 again until you reach Kelly school zone. 77 Hwy is a Nascar Track and you can't blame all the speeding on the school kids, after all their parents taught them to drive. Monkey see, monkey do. Deputies, Sheriff, Highway Patrolmen, come to my house. Pull up a lawn chair and sit in my yard and just watch. Where are the road blocks and radar traps? I want to stay alive. If you're not going to enforce the speed limit, then take down the signs and let everyone pile up.
Bricks are creating problems for this country. On March 24, the above mentioned article exposed the City of Charleston for dumping bricks into a county ditch located within the city limits of Charleston. The article accurately indicated that the bricks have created a problem for county maintenance and created a tremendous "eyesore" within the city limits, however, your article missed the most disturbing part of the City's action(s) for local residents. The bricks in Lateral 1 of Ditch 14 are from the old historic firehouse in Charleston. This was a firehouse that served as city hall at one time and stood as a city cornerstone for more than a century of Charleston history. Many are outraged that any bricks would be disposed in such a manner by the city, but especially troubling is the fact that these bricks were promised to be incorporated into a city monument. The promise of a monument was part of the decision for not saving the old structure or at least many thought it was. It was difficult for city residents to see the Old Charleston Firehouse Number One torn down. However, it is appalling to see it lay in a ditch everytime one drives by on Main Street. What happened to your promise? Your actions have been disgraceful!


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I am a new media artist who works with fragmented narratives, locative art, and media, both new and old.
My other Twitter narratives include the Twitter movie In Search of Adele H (2009-2010), the fictional reenactment Enoch Soames (2009-2011), and the search engine oracle #Scryberspace (2011).
Other media works include the walking guide The Audio Tour (2006); a cellphone-enabled tour of real and fictional cityscapes, Web021… (2007); the performance/online-maps mashup The Cones Project (2009), which used orange traffic cones to reserve personal space; Meet The New Flesh Same As The Old Flesh (2012), a radio piece for the end of broadcast TV; and other sound collages (2012-present).
I write about art and the virtual life for HiLobrow.com, where I have served as Artist in Residence (2009) and Arts Editor (2010-2013).
— Peggy Nelson, @EShackleton


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November 26, 2006
It was a deadly holiday weekend on both Georgia and South Carolina highways.
At time of writing, 23 people had died while on the road, making this year deadlier than last year.
"I've seen three wrecks...it's crazy," said traveler Charlotte Surgick.
"Everybody's in a rush at the holiday time," said traveler Brian Lloyd. "Everybody is trying to get somewhere."
But some never made it there. 18 people died in car accidents on Georgia roads this weekend, and five died in South Carolina, in well over 3000 accidents.
The Georgia Highway Patrol says the holiday weekend is especially dangerous not only because of the increased number of cars on the road but also the increased number of people driving under the influence.
One after another, accidents claimed lives in both states. In Georgia, the deadliest stretch of road was near the Athens-Gainesville area.
"It's sad," Charlotte said. "It's sad because people know that they are traveling and they need to be safe. They need to drive slower. They know that before they leave and unfortunately stuff happens and people are not always looking out for that other person or themselves."
Georgia Highway Patrol did their best to look out for drivers, setting up patrols all along Georgia's major highways. Charlotte was glad to see them out.
"It's a lot of accidents and a lot of police out here too," she said. "Highway patrol, they're all over and it's good for safety."
It's good for drivers and their precious cargo.
"I have two girls and two more on the way, so my parental antenna is always up," Brian said. "Just slow it down a bit and be mindful of others...especially during the holidays."
Georgia State Patrol reports 82 people died on Georgia's roads over the last five years. After this weekend, that number will now reach 100.
Five people died on highways across the river in South Carolina.
And what do these accidents cost?
According to Georgia Insurance Information Service, accidents this weekend in Georgia will cost an average of nearly $12.2 million. That includes estimates for repairs to vehicles and medical expenses.
The Cost of Accidents
Weekend Crashes: 3,389
Cost: 8,110,000
Injuries: 888
Cost: 4,066,800
Total Cost: 12,176,800
Of course, no price can be put on the 18 lives lost in Georgia this weekend.


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Blog Posts on yoandri betanzos
London Olympics Preview: The Triple Jump by hurdler49: Hurdles, Track & Field and Sports on Jun 3, 2012The triple jump features contenders from both ends of the age spectrum. Established stars will be pitted against young and equally talented upstarts. The event will also feature Britain's top hopes for Olympic glory. Photo from Nigel Chadwick W...


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Suspect Questioned in Murder of Teen on Queens Bus
Police are questioning a person that they believe is responsible for the shooting death of a 14-year-old girl while she was riding home from a Sweet 16 party on a Queens bus, Police Commissioner Raymond Kelly said.
D'aja Robinson was struck and killed by a bullet while sitting on a Q6 bus Saturday around 8 p.m. in the South Jamaica neighborhood.
The suspect– who is 16, according to a law-enforcement official–was taken into custody without incident Thursday morning in the murder of D'aja, which unnerved a section of Queens that had been experiencing a reduction in crime. The official said the crime is believed to be gang related and D'aja was not the intended target.


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Police: Victim was less than 14 years old
UPDATED 10:37 PM EDT Sep 28, 2012
Gorham police arrested and charged a man on four counts of gross sexual assault on Friday.
Michael W. Newton, 47, was arrested at his home around 6:30 p.m., Detective Sgt. Dana Thompson of Gorham police said in a release. The female victim was less than 14 years old at the time of the alleged incidents.
Newton is being held without bail at the Cumberland County Jail in Portland, Thompson said.
Police ask that any parents who believe their child or children have had contact with New
Copyright 2012 by The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Crowd gathers outside Dallas City Hall to protest George Zimmerman verdict
A crowd of some 200 people protested the not guilty verdict against George Zimmerman on Sunday evening outside Dallas City Hall.
The demonstration was one of many in American cities after Zimmerman was acquitted of charges for shooting and killing 17-year-old Trayvon Martin last year in Sanford, Fla. Zimmerman said he shot the teen in self-defense.
With the day-long rain paused, the protesters — some clad in hooded sweatshirts like the one Martin wore when he was slain — held up signs, recited chants and marched around the city government building's grounds.
Hadi Jawad, who briefly took the megaphone and spoke at the Dallas protest, said he came in solidarity with friends and neighbors to "decry the misjustice" in the case.
Fellow speaker Olinka Green said she was deeply hurt by the verdict and Martin's death. She called it "a hurt only a mother could feel."
You can read more about the national reaction to the Zimmerman trial in tomorrow's Dallas Morning News.


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STOP ADVERTISING! This is a forum to ask fellow players questions to improve your game not to promote stupid products..
i agrree shut the mess up power dribble u fool
Great players are great leaders.Miamiheatboy
I am not advertising, I am a youth boys and girls club coach that has used power dribble in the past. I just believe in the product for ball handling and handles. Sorry, for posting my inputs.
Yeah I'm sorry too I was just mad that day plus I shouldn't talk to my elders like that if you really are a coach..
sorry i said wat i said
Great players are great leaders.Miamiheatboy
i dont care power dribble u cant say u "just believe in the product". Every thing u post is about the product! Even above in ur defense u advertized saying u believed in it for handles. I respect that your a coach and i saw the website and i bet the product works. But pls dont make every post about it
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