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- Report: #1066225
Report - Rebuttal - Arbitrate
Complaint Review: Surge Labs
Surge LabsAtlanta, Georgia USA
Surge Labs Sean Nelson BEWARE OF SURGE LABS, SURGELABS.COM & SEAN NELSON THEY WILL TAKE YOUR MONEY, MAKE PROMISES AND NEVER DELIVER!!! Atlanta Georgia
*REBUTTAL Owner of company: Fake Negative Review About Surge Labs and Sean Nelson
*Author of original report: Surge Labs Guarantee Only Guarantees They'll Keep Your Money
*Consumer Comment: Same Ripoff with Surge Local
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I meet Sean Nelson from Surge Labs surgelabs.com via a LinkedIn group. He introduced himself to me as an Internet Marketing Specialist. He told me that he could dramatically increase the traffic to my landing page & the conversion rate. Sean was very convincing. I thought he was extremely nice and professional. I hired Surge Labs surgelabs.com and I prepaid for 3 months of service.
After one month he told me that I needed to pay more money to rebuild my landing page. Then one month later he told me I needed to pay more money and rebuild my company website. In total I have already paid over $4,500 to Sean at Surge Labs. It has been 5 months since my first payment and my new landing page and website are still not done. They keep promising me next week but next week never arrives.
This is so frustrating because just today they charged my credit card again for monthly service… WHY is this frustrating to me? Because they have not even started doing any of the monthly service!!! They can't because the landing page and website are not done yet. I have asked Sean for a credit or free months and he said NO!!! So what am I going to do now? You should be ashamed of yourself. I can't believe you would take this much money from a client and then provide nothing for the money. Am I the only one having problems with Surge Labs??? Please let me know.
This report was posted on Ripoff Report on 07/11/2013 11:42 AM and is a permanent record located here: http://www.ripoffreport.com/r/Surge-Labs/Atlanta-Georgia/Surge-Labs-Sean-Nelson-BEWARE-OF-SURGE-LABS-SURGELABSCOM-SEAN-NELSON-THEY-WILL-TAKE-Y-1066225. 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 REBUTTAL Owner of company
Fake Negative Review About Surge Labs and Sean Nelson
AUTHOR: Sean - ()
SUBMITTED: Friday, July 19, 2013POSTED: Friday, July 19, 2013
This is a Fake Negative Review!
I can't prove that to you. That's the problem with anonymous reviews. Anyone can say anything and if its made up, how do you disprove it?
Since I can't disprove a false accusation I can at least point out some oddities in this review and the others that were posted out of the blue:
- Surge Labs has never had an online complaint (since we started in 2010) yet suddenly two complaints are filed on July 11 and July 12. IF we were as bad as the complainant describes, this wouldn't be our first negative report.
- This complaint by Screwed by Surge Labs (Atlanta, GA) was also posted on PissedOff Consumer by Anonymous (Denver, CO).
A second complaint (Report: #1066225) on Ripoff Report by Surge Local Sucks (Ft Lauderdale, FL) was also posted on PissedOffConsumer by Anonymous (Denver, CO)
On Ripoff Report the two complaints were filed by two supposedly different people, one in Atlanta andone in Ft Lauderdale. Duplicates of these complaints were filed on PissedOffConsumer by Anonymous of Denver, Co.
Its clear that all four complaints were made by the same person wanting to look like multiple people.
- "they charged my credit card again for monthly service"
- The only way we take credit cards is through PayPal - yet no complaint was filed through PayPal. Why? Because this is a fake review and the person has never done business with us, thus never paid a dollar through PayPal.
- The use of an Anonymous name to make complaints.
Given the detail made up in these posts, if this were true it would be clear to me who the person making the complaint is. So why hide their real name. Since its a false complaint they don't want their name known to avoid legal action.
- If the complaints were true why not sue us? If someone ripped me off for $4,500 I would be taking legal action. Its not that difficult to file a small claim action in Magistrate court (here in Georgia its for claims under $15,000. Here is the link to do so - http://consumer.georgia.gov/pdf/Complaint_Form.pdf).
There will not be a court filing though since the complaint is fake.
- A commenter on one of the complaints posted on PissedOffConsumer conveniently has the name Surge Screwed. What are the odds that a non-connected commenter would have a username that includes part of our Company name?
- Finally some truth! "this guy works out of his house, it's not even a real company"
Actually we are a real company formed as an LLC. Yes we work virtually. It saves money and we avoid Atlanta traffic.
If this were a real complaint I would at least be able to share our side of the story. But, it being a fake negative review, I can only post oddities about what's in the reviews.
We treat our client's with respect and if there are issues we resolve them. If someone is unhappy with the work we have done we will make changes or return fees paid.
I'll even make this offer. If the complainant can provide documentation of a payment to Surge Labs we will pay triple the costs ($13,500 based on his $4,500 amount) back to him.
I'm not worried about having to make that payment because ...it's a fake story.
If you, or the alleged complainant have any questions about this matter feel free to call me directly at 770-662-221.
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?
#2 Author of original report
Surge Labs Guarantee Only Guarantees They'll Keep Your Money
AUTHOR: Surge Labs Screwed - ()
SUBMITTED: Friday, July 12, 2013POSTED: Friday, July 12, 2013
Thanks for the reply, I asked about the guarantee for Surge Local surgelocal.com AND Surge Labs surgelabs.com. Sean Nelson told me the guarantee does not apply to building landing pages and websites. I said what about the monthly service work and he told me I have to wait until the end of the contract before I can get 2 free months….. So really he wants me to waste money by paying him 7 more months…. OMG he must be crazy if he thinks I am going to risk / waste any more money with them.
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?
#3 Consumer Comment
Same Ripoff with Surge Local
AUTHOR: Also Screwed - ()
SUBMITTED: Thursday, July 11, 2013POSTED: Thursday, July 11, 2013
I also had a problem with Surge Local surgelocal.com They are the same company as Surge Labs. I met Sean Nelson on LinkedIN and then I visited both of his websites surgelocal.com and surgelabs.com. I was impressed with everything he said. He is a professional sales man. I just wish he delivered on his promises. I would have been happy if just 50% of what he promised would have come true. I used Surge Local for 6 months and paid about $3,000 and my conversion rate dropped and it never came back up. Then when I asked him about his guarantee he told me he would give me a 20% discount on the monthly service to keep going. I canceled, why would we keep spending good money after bad.
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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A supervisor in a large accounting firm is scheduled to interview a job candidate who comes highly recommended and has excellent qualifications. Jim has an accounting degree (bachelors) from a prestigious Ivy League school and has been working on his MBA by attending an online program for the last 18 months and is close to earning his degree. In addition he has been working for one of your competitors for several years and has excellent references attesting to his ability. Your payroll budget has recently been reduced significantly as a result of a declining client base and your manager has the final authority in establishing salaries for the new hires but generally is responsive to what his supervisor�s propose to a job candidate. In addition, the HR Director has published salary ranges for new hires that are to be adhered to, unless there are extenuating circumstances such as the candidate having special expertise, the ability to bring in additional clients, or excellent credentials including having the CPA certification.
Your Role/Assignment:
Your role is to determine whether distributive or integrative negotiations will be preferred in this scenario between the job applicant and the supervisor, and respond to the questions regarding the other parties who have an interest in hiring the job applicant.
1.What is the appropriate negotiation strategy that would be most advantageous for Sharon and Jim in this scenario, distributive or integrative bargaining? What are the factors that should be considered in making this determination?
2.What factors do you feel will contribute to the Accounting Supervisor and her Manager in determining the salary that Jim should be offered as a new hire? What are some other considerations that could be made to entice Jim to accept the job assuming that his salary demands could not be met? What are Jim�s and the Accounting Supervisor�s interests?
3.What are HR�s interests in this scenario, and what would be the potential negotiation strategy between the Accounting Manager and HR assuming that there is a decision that the published salary range for attracting Jim will have to be exceeded in order to hire him?
4.Propose a negotiating outcome for each of the possible negotiations that could occur in this scenario and defend your responses. Negotiations between:
Supervisor and Job Applicant
Supervisor and Accounting Manager
Accounting Manager and Human Resources

subset: commoncrawl


text:
This is a vibrant, action-packed city, ever growing and developing and the base for exploring the wider Emirate states...
Dubai is ideal for both city break lovers and those who love shopping and entertainment, as much as those who want to rest and relax in year-round sun beside the pool or beach of excellent, high quality hotels.
And if you prefer your sand by the seashore, laze on Dubai's famous beaches, Jumeirah, Al Makhtoum and Jebel Ali. There are lots of activities such as water parks, volleyball, and surfing, skiing and diving. Take a walk through the lush gardens of Jumeirah Beach Park. Enjoy the wide range of international and traditional Middle Eastern cuisine in Dubai's famous restaurants and cafes.
Dubai can be visited any time of the year, but the best time is between November and March when the weather resembles a late spring or early summer in temperate-zone countries. Average temperatures in Dubai at this time will be in the 20 - 25C range. March is an especially good time to visit as it coincides with the annual Dubai Shopping Festival.
Arrange your Dubai car hire with a pick-up at Dubai International Airport (DXB). This will transport you speedily to the city centre and your hotel. If you plan to visit other parts of the United Arab Emirates after you arrive, Dubai's fast and efficient network of motorways will take you through the length and breadth of the states of Dubai, Abu Dhabi, Ajman, Fujairah, Ras al Khaimah, Sharjah and Umm'al Quwain.
You can also arrange a pick-up at Al Maktoum International Airport (DWC), which opened in 2010. This airport is close to the Dubai World Centre near Jebel Ali. Once complete, it will have five runways that serve next-generation aircraft and will become one of the major hub airports of the world.
There is plenty to see and experience in Dubai itself as well as in the neighbouring Emirates. Using a cheap hire car will help you to make the most of your stay...
In Dubai city you will be able to visit the Jumeirah Mosque that dominates the city centre. Though a modern structure, it was built in the Fatimid tradition that ruled the region between the 10th and 12th centuries. Non-Muslims are allowed to visit the mosque and the best time is at sunset to witness the beautiful shadows cast by the building.
The Al Fahidi Fort and Museum can also be found in the city centre. This 18th-century fort is the oldest standing building in Dubai and was built as a defence against attack from the sea. The fort was converted into a museum in 1970 and today is known locally as the Dubai Museum. It holds a stunning collection of old sailing vessels, ancient weapons and outfits for pearl divers. It also has life-size dioramas - model museums - that depict traditional life in Dubai before oil was discovered. The most famous exhibit is the 3,000- to 4,000-year-old grave from the Al Qusais archaeological site, an area that is today a suburb of modern Dubai.
See more of Dubai's traditional life at the Heritage and Diving Centre in the Shindagha area. This heritage village is part of a more ambitious plan to turn the whole of the Shindagha area into a cultural site depicting Dubai's maritime history. There is a Bedouin village, an ancient armoury and souks selling traditional items. It's a popular venue in the evening as there are lots of cafes and restaurants with live music.
Skiing and ice skating are not usually associated with the Arabian Gulf but Ski Dubai recreates a ski resort in the Mall of the Emirates, the largest shopping mall in Dubai. There is a 60-metre mountain, ski slopes for various abilities and even a group of penguins that greet visitors at certain times of day. The Ice Rink is the size of an Olympic rink and offers all forms of skating, from lessons for beginners to ice hockey matches.
Dubai has plenty of attractions for modern-art enthusiasts. The Art Attack Gallery, located between the Jumeirah Beach Road and the Al Wasil Road, features contemporary art from the Middle East, Africa, India and Europe. There are frequent auctions and art fairs.
For a breath-taking spectacle visit the Dubai Gold Souk in Deira in the east of the city. Deira is Dubai's main business district but the gold market is its chief attraction. The Spice Souk is in the Al Ras district of the city. Wander around the narrow streets and savour the exotic smells.
The world's largest theme park is just a 50-minute drive outside the city on Yas Island in Abu Dhabi. Ferrari World offers more than just Ferrari racing cars during the Formula One Abu Dhabi Grand Prix. There are waterfalls, shopping centres, marinas and the biggest rollercoaster in the world.
For those who prefer racing on four legs rather than four wheels, Dubai's ultra-modern Meydan Racecourse hosts the Dubai World Cup in late March. There are two racetracks, an all-weather course and even betting on the premises. Up to 2007, this was the site of the Nad Al Sheba racetrack.
For a true marine experience, visit the Dubai Aquarium on the ground floor of the Dubai Mall. This is the biggest aquarium in the world with 33,000 aquatic animals. There are over 400 sharks and rays in the tank. Visitors can access the tank from three different levels in the Mall.
When in Dubai, make sure you go on a desert safari. Hire a 4x4 with a professional driver and set off in the early morning, the evening, or overnight. You can go dune bashing, learn about falconry or just spend the night under the desert stars.


text:
The Company:
Founded in 1992, UA Business Solutions was a pioneer in the field of Enterprise Resource Planning (ERP) and an early Microsoft Partner. The ERP evolution
The Company:
All American Marine Inc. was founded in 1987 and specializes in the construction of custom tailored aluminum boats from 30 to 150 feet LOA. Today,
Five minutes with Paul Switzer - Manager, Shipbuilding & Offshore, Viega
For readers not familiar with Viega, please give a 'birds eye' view, putting the company
Today's U.S. oil and gas Lease Sale 248 garnered $18,067,020 in high bids for 24 tracts covering 138,240 acres in the Western Gulf of Mexico Planning Area, announced
Canada may ask oil companies to contribute to the hundreds of millions of dollars or more the country has to pay to an international body if they drill far offshore,
Energy related maritime solutions and services provider MISC Berhad (MISC) has made inroads into Thailand's offshore oil and gas market for the first time.


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The Bone Vault
A Novel
by Linda Fairstein
An Alexandra Cooper Novel
- #3326 in Mystery & Suspense, Thrillers
- #2483 in Fiction & Literature, Thrillers
- #1180 in Mystery & Suspense, Women Sleuths
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The New York Times bestselling author of Devil's Bridge and renowned former Manhattan prosecutor delivers a mesmerizing Alexandra Cooper novel set at the crossroads of big money, high culture, and murder...
The Bone Vault begins in the Metropolitan Museum of Art's glorious Temple of Dendur, where wealthy donors have gathered to celebrate a controversial new exhibit.
An uneasy mix of scholarship, showbiz, and aggressive marketing, "A Modern Bestiary" will be a joint venture of the Met and the American Museum of Natural History. With its IMAX time trips and Rembrandt refrigerator magnets, the "Bestiary" has raised fierce opposition from some of New York's museum elite. Assistant DA Alexandra Cooper, off duty for the evening, observes the developing tensions with bemused interest until Met director Pierre Thibodaux pulls her aside. He needs her advice. There's an urgent problem out at a loading dock on a New Jersey pier.
A Twelfth Dynasty mummified princess, enclosed for eternity in a huge stone sarcophagus, is about to take a long voyage to Cairo as part of a routine museum exchange. But Cleopatra is missing, and in her place is the not-so-mummified body of a woman many centuries younger than her royal predecessor.
Who is this woman with the small physique, the dark hair, and the shiny barrette? What is her connection, if any, to the rarefied world of priceless art and objects? And how and when did she become entombed in the sarcophagus?
Teaming with cops Mike Chapman and Mercer Wallace, Alex must explore behind the scenes at the elegant but severe Metropolitan, travel uptown to the remote setting of the Cloisters and its medieval trove of funerary art, and on to the massive array of beasts and bones at the Museum of Natural History. Somewhere deep within the bowels of one of these great cultural centers, a killer may wait.
Atmospheric, chilling, and rich with the kind of procedural authenticity that only Linda Fairstein can provide, The Bone Vault is a page-turning tour de force from one of crime writing's brightest stars.
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eBook Details
- Scribner, January 2003
- Imprint:
- 9780743250702
- Language:
- English
- Download options:
- EPUB 2 (Adobe DRM)
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text:
Quotes & Info
|FNB > SEC Filings for FNB > Form 10-Q on 8-Nov-2012
|All Recent SEC Filings
Quarterly Report
Management's Discussion and Analysis represents an overview of the consolidated results of operations and financial condition of the Corporation and highlights material changes to the financial condition and results of operations at and for the three-month and nine-month periods ended September 30, 2012. This Discussion and Analysis should be read in conjunction with the consolidated financial statements and notes thereto contained herein and the Corporation's consolidated financial statements and notes thereto and Management's Discussion and Analysis included in its 2011 Annual Report on Form 10-K filed with the SEC on February 28, 2012. The Corporation's results of operations for the nine months ended September 30, 2012 are not necessarily indicative of results to be expected for the year ending December 31, 2012.
The Corporation makes statements in this Report, and may from time to time make other statements, regarding its outlook or expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset levels, asset quality and other matters regarding or affecting F.N.B. Corporation and its future business and operations that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act. Forward-looking statements are typically identified by words such as "believe," "plan," "expect," "anticipate," "see," "look," "intend," "outlook," "project," "forecast," "estimate," "goal," "will," "should" and other similar words and expressions. Forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change over time. Although the Corporation believes that the assumptions made in connection with the forward-looking statements are reasonable, it cannot assume that its assumptions and expectations are correct.
Forward-looking statements speak only as of the date made. The Corporation does not assume any duty and does not undertake to update forward-looking statements. Actual results or future events could differ, possibly materially, from those anticipated in forward-looking statements, as well as from historical performance.
The Corporation's forward-looking statements are subject to the following principal risks and uncertainties:
ź The Corporation's businesses, financial results and balance sheet values are affected by business and economic conditions, including the following:
• Changes in interest rates and valuations in debt, equity and other financial markets.
• Disruptions in the liquidity and other functioning of U.S. and global financial markets.
• Actions by the FRB, UST and other government agencies, including those that impact money supply and market interest rates.
• Changes in customers', suppliers' and other counterparties' performance and creditworthiness which adversely affect loan utilization rates, delinquencies, defaults and counterparty ability to meet credit and other obligations.
• Slowing or failure of the current moderate economic recovery and persistence or worsening levels of unemployment.
• Changes in customer preferences and behavior, whether due to changing business and economic conditions, legislative and regulatory initiatives, or other factors.
ź Legal and regulatory developments could affect the Corporation's ability to operate its businesses, financial condition, results of operations, competitive position, reputation, or pursuit of attractive acquisition opportunities. Reputational impacts could affect matters such as business generation and retention, liquidity, funding, and ability to attract and retain management. These developments could include:
• Changes resulting from legislative and regulatory reforms, including broad-based restructuring of financial industry regulation; changes to laws and regulations involving tax, pension, bankruptcy, consumer protection, and other industry aspects; and changes in accounting policies and principles. The Corporation will continue to be impacted by extensive reforms provided for in the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and otherwise growing out of the recent financial crisis, the precise nature, extent and timing of which, and their impact on the Corporation, remains uncertain.
• Impact on business and operating results of any costs associated with obtaining rights in intellectual property, the adequacy of the Corporation's intellectual property protection in general and rapid technological developments and changes. The Corporation's ability to anticipate and respond to technological changes can also impact its ability to respond to customer needs and meet competitive demands.
ź Business and operating results are affected by the Corporation's ability to identify and effectively manage risks inherent in its businesses, including, where appropriate, through effective use of third-party insurance, derivatives, swaps, and capital management techniques, and to meet evolving regulatory capital standards.
ź Increased competition, whether due to consolidation among financial institutions; realignments or consolidation of branch offices, legal and regulatory developments, industry restructuring or other causes, can have an impact on customer acquisition, growth and retention and on credit spreads and product pricing, which can affect market share, deposits and revenues.
ź The pending ANNB acquisition presents the following risk factors, among
others, that could cause actual results to differ materially from
forward-looking statements or historical performance: (i) ability to obtain
regulatory approvals and meet closing conditions of the merger transaction,
including approval by ANNB shareholders, on the expected terms and schedule;
(ii) delay in closing the ANNB merger; (iii) difficulties experienced by the Corporation in expanding into a new market area, including retention of customers and key personnel of ANNB and its subsidiary, BankAnnapolis;
(iv) difficulties and delays in integrating the Corporation and ANNB businesses or fully realizing costs and other benefits; (v) business disruption following the ANNB merger; (vi) changes in asset quality and credit risk; (vii) inability to sustain revenue and earnings growth; (viii) changes in interest rates and capital markets; (ix) inflation; and (x) customer acceptance of the Corporation's products and services.
ź Business and operating results can also be affected by widespread disasters, dislocations, terrorist activities or international hostilities through their impacts on the economy and financial markets.
The Corporation provides greater detail regarding some of these factors in its 2011 Annual Report on Form 10-K filed with the SEC on February 28, 2012, including the Risk Factors section of that report, and its subsequent SEC filings. The Corporation's forward-looking statements may also be subject to other risks and uncertainties, including those that may be discussed elsewhere in this Report or in SEC filings, accessible on the SEC's website at www.sec.gov and on the Corporation's website at www.fnbcorporation.com. The Corporation has included these web addresses as inactive textual references only. Information on these websites is not part of this document.
A description of the Corporation's critical accounting policies is included in the Management's Discussion and Analysis of Financial Condition and Results of Operations section of the Corporation's 2011 Annual Report on Form 10-K filed with the SEC on February 28, 2012 under the heading "Application of Critical Accounting Policies." There have been no significant changes in critical accounting policies or the assumptions and judgments utilized in applying these policies since the year ended December 31, 2011.
The Corporation is a diversified financial services company headquartered in Hermitage, Pennsylvania. Its primary businesses include community banking, consumer finance, wealth management and insurance. The Corporation also conducts leasing and merchant banking activities. The Corporation operates its community banking business through a full service branch network with offices in Pennsylvania, Ohio and West Virginia. The Corporation operates its wealth management and insurance businesses within the community banking branch network. It also conducts selected consumer finance business in Pennsylvania, Ohio, Tennessee and Kentucky.
Three Months Ended September 30, 2012 Compared to the Three Months Ended September 30, 2011
Net income for the three months ended September 30, 2012 was $30.7 million or $0.22 per diluted share, compared to net income for the three months ended September 30, 2011 of $23.8 million or $0.19 per diluted share. For the three months ended September 30, 2012, the Corporation's return on average equity was 8.83% and its return on average assets was 1.03%, compared to 7.79% and 0.95%, respectively, for the three months ended September 30, 2011.
In addition to evaluating its results of operations in accordance with GAAP, the Corporation routinely supplements its evaluation with an analysis of certain non-GAAP financial measures, such as return on average tangible equity and return on average tangible assets. The Corporation believes these non-GAAP financial measures provide information useful to investors in understanding the Corporation's operating performance and trends, and facilitate comparisons with the performance of the Corporation's peers. The non-GAAP financial measures used by the Corporation may differ from the non-GAAP financial measures other financial institutions use to measure their results of operations. Non-GAAP financial measures should be viewed in addition to, and not as an alternative for, the Corporation's reported results prepared in accordance with GAAP. The following tables summarize the Corporation's non-GAAP financial measures for the periods indicated derived from amounts reported in the Corporation's financial statements (dollars in thousands):
Three Months Ended September 30, 2012 2011 Return on average tangible equity: Net income (annualized) $ 122,304 $ 94,315 Amortization of intangibles, net of tax (annualized) 5,798 4,663 $ 128,102 $ 98,978 Average total stockholders' equity $ 1,385,282 $ 1,210,953 Less: Average intangibles (174,501 ) (601,010 ) $ 670,781 $ 609,943 Return on average tangible equity 19.10 % 16.23 % Return on average tangible assets: Net income (annualized) $ 122,304 $ 94,315 Amortization of intangibles, net of tax (annualized) 5,798 4,663 $ 128,102 $ 98,978 Average total assets $ 11,842,204 $ 9,971,847 Less: Average intangibles (714,501 ) (601,010 ) $ 11,127,703 $ 9,370,837 Return on average tangible assets 1.15 % 1.06 %
The following table provides information regarding the average balances and yields earned on interest earning assets and the average balances and rates paid on interest-bearing liabilities (dollars in thousands):
Three Months Ended September 30, 2012 2011 Interest Interest Average Income/ Yield/ Average Income/ Yield/ Balance Expense Rate Balance Expense Rate Assets Interest earning assets: Interest bearing deposits with banks $ 86,501 $ 47 0.21 % $ 100,944 $ 59 0.23 % Taxable investment securities (1) 2,067,146 11,471 2.17 1,608,704 10,744 2.62 Non-taxable investment securities (2) 185,614 2,581 5.56 196,233 2,822 5.75 Loans (2) (3) 7,928,174 95,509 4.80 6,749,727 87,086 5.12 Total interest earning assets (2) 10,267,435 109,608 4.25 8,655,608 100,711 4.62 Cash and due from banks 182,356 180,447 Allowance for loan losses (103,757 ) (111,647 ) Premises and equipment 146,313 126,365 Other assets 1,349,857 1,121,074 Total Assets $ 11,842,204 $ 9,971,847 Liabilities Interest-bearing liabilities: Deposits: Interest bearing demand $ 3,489,658 1,764 0.20 $ 2,905,747 2,440 0.36 Savings 1,210,670 252 0.08 982,714 416 0.17 Certificates and other time 2,652,713 8,189 1.23 2,256,182 10,221 1.80 Customer repurchase agreements 803,492 575 0.28 617,169 763 0.48 Other short-term borrowings 159,843 607 1.49 157,188 881 2.19 Long-term debt 90,869 860 3.76 221,206 1,698 3.05 Junior subordinated debt 203,999 1,978 3.86 203,947 1,881 3.66 Total interest-bearing liabilities (2) 8,611,244 14,225 0.66 7,344,153 18,300 0.99 Non-interest bearing demand 1,677,578 1,299,859 Other liabilities 168,100 116,882 Total Liabilities 10,456,922 8,760,894 Stockholders' equity 1,385,282 1,210,953 Total Liabilities and Stockholders' Equity $ 11,842,204 $ 9,971,847 Excess of interest earning assets over interest-bearing liabilities $ 1,656,191 $ 1,311,455 Fully tax-equivalent net interest income 95,383 82,411 Tax-equivalent adjustment (1,852 ) (2,009 ) Net interest income $ 93,531 $ 80,402 Net interest spread 3.60 % 3.64 % Net interest margin (2) 3.70 % 3.79 %
(1) The average balances and yields earned on taxable investment securities are based on historical cost.
(2) The interest income amounts are reflected on a fully taxable equivalent (FTE) basis, a non-GAAP measure, which adjusts for the tax benefit of income on certain tax-exempt loans and investments using the federal statutory tax rate of 35% for each period presented. The yields on earning assets and the net interest margin are presented on an FTE and annualized basis. The rates paid on interest-bearing liabilities are also presented on an annualized basis. The Corporation believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts.
(3) Average balances include non-accrual loans. Loans consist of average total loans less average unearned income. The amount of loan fees included in interest income on loans is immaterial.
Net Interest Income
Net interest income, which is the Corporation's principal source of revenue, is the difference between interest income from earning assets (loans, securities, interest bearing deposits with banks and federal funds sold) and interest expense paid on liabilities (deposits, customer repurchase agreements and short- and long-term borrowings). For the three months ended September 30, 2012, net interest income, which comprised 72.9% of net revenue (net interest income plus non-interest income) compared to 73.1% for the same period in 2011, was affected by the general level of interest rates, changes in interest rates, the shape of the yield curve, the level of non-accrual loans and changes in the amount and mix of interest earning assets and interest-bearing liabilities.
Net interest income, on an FTE basis, increased $13.0 million or 15.7% from $82.4 million for the third quarter of 2011 to $95.4 million for the third quarter of 2012. Average earning assets increased $1.6 billion or 18.6% and average interest bearing liabilities increased $1.3 billion or 17.3% from 2011 due to the acquisition of Parkvale, combined with organic growth in loans, deposits and customer repurchase agreements. The Corporation's net interest margin was 3.70% for the third quarter of 2012 compared to 3.79% for the same period of 2011 as loan yields declined faster than deposit rates primarily reflecting the acquisition of Parkvale as well as the impact of the current low interest rate environment. Details on changes in tax equivalent net interest income attributed to changes in interest earning assets, interest bearing liabilities, yields and cost of funds are set forth in the preceding table.
The following table sets forth certain information regarding changes in net interest income attributable to changes in the volumes of interest earning assets and interest-bearing liabilities and changes in the rates for the three months ended September 30, 2012 compared to the three months ended September 30, 2011 (in thousands):
Volume Rate Net Interest Income Interest bearing deposits with banks $ (7 ) $ (5 ) $ (12 ) Securities 2,740 (2,254 ) 486 Loans 13,695 (5,272 ) 8,423 16,428 (7,531 ) 8,897 Interest Expense Deposits: Interest bearing demand 326 (1,002 ) (676 ) Savings 94 (258 ) (164 ) Certificates and other time 1,582 (3,614 ) (2,032 ) Customer repurchase agreements 190 (378 ) (188 ) Other short-term borrowings (75 ) (199 ) (274 ) Long-term debt (1,168 ) 330 (838 ) Junior subordinated debt - 97 97 949 (5,024 ) (4,075 ) Net Change $ 15,479 $ (2,507 ) $ 12,972
(1) The amount of change not solely due to rate or volume changes was allocated between the change due to rate and the change due to volume based on the net size of the rate and volume changes.
(2) Interest income amounts are reflected on an FTE basis which adjusts for the tax benefit of income on certain tax-exempt loans and investments using the federal statutory tax rate of 35% for each period presented. The Corporation believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts.
Interest income, on an FTE basis, of $109.6 million for the third quarter of 2012 increased by $8.9 million or 8.8% from 2011, primarily due to increased earning assets resulting from a combination of organic growth and the Parkvale acquisition, partially offset by lower yields. Additionally, during the third quarter of 2012, the Corporation recognized $1.4 million in additional accretable yield as a result of improved cash flows on acquired portfolios compared to original estimates for both CBI and Parkvale. The increase in earning assets was primarily driven by a $1.2 billion or 17.5% increase in average loans. Loans acquired from Parkvale totaled $922.1 million on the acquisition date. The yield on earning assets decreased 37 basis points from the third quarter of 2011 to 4.25% for the third quarter
of 2012, reflecting the decreases in market interest rates and competitive pressure along with the Parkvale acquired loans that carried lower yields than the Corporation's existing loan portfolio.
Interest expense of $14.2 million for the third quarter of 2012 decreased $4.1 million or 22.3% from the same period of 2011 due to lower rates paid, partially offset by growth in interest bearing liabilities resulting from a combination of organic growth and the acquisition of Parkvale. The rate paid on interest bearing liabilities decreased 33 basis points to 0.66% during the third quarter of 2012, compared to the third quarter of 2011, reflecting changes in interest rates, the Parkvale acquisition and a favorable shift in mix. The growth in average interest bearing liabilities was primarily attributable to growth in deposits and customer repurchase agreements, which increased by $1.8 billion or 22.0% for the third quarter of 2012 compared to the third quarter of 2011. Deposits acquired from Parkvale totaled $1.5 billion on the acquisition date. This growth was partially offset by a $130.3 million or 58.9% reduction in average long-term debt primarily associated with the prepayment of certain higher-cost borrowings during the fourth quarter of 2011.
Provision for Loan Losses
The provision for loan losses is determined based on management's estimates of the appropriate level of allowance for loan losses needed to absorb probable losses inherent in the existing loan portfolio, after giving consideration to charge-offs and recoveries for the period.
The provision for loan losses of $8.4 million during the third quarter of 2012
decreased slightly from the $8.6 million provision for the same period of 2011.
During the third quarter of 2012, net charge-offs were $7.4 million, or 0.37%
(annualized) of average loans, compared to $9.0 million, or 0.53% (annualized)
of average loans, for the same period of 2011, reflecting consistent, solid performance in the Corporation's loan portfolio. Net charge-offs for the third quarter of 2012 included $1.4 million or 3.32% (annualized) of average loans relating to Regency and $7.1 million or 0.37% (annualized) of average loans relating to FNBPA's Pennsylvania portfolio. The Corporation recognized net loan recoveries of $1.1 million during the third quarter of 2012 relating to the Florida loan portfolio. For additional information relating to the allowance and provision for loan losses, refer to the Allowance for Loan Losses section of this Management's Discussion and Analysis.
Non-Interest Income
Total non-interest income of $34.8 million for the third quarter of 2012 increased $5.2 million or 17.5% from the same period of 2011. This increase was primarily due to increases in service charges, insurance commissions and fees, gain on sale of loans, income from BOLI and a gain on the sale of fixed assets. The variances in these and certain other non-interest income items are further explained in the following paragraphs.
Service charges on loans and deposits of $17.7 million for the third quarter of 2012 increased $1.6 million or 10.0% from the same period of 2011, reflecting increases of $0.6 million in income from interchange fees, $0.1 million in overdraft fees and $0.9 million in other service charges due to a combination of higher volume, organic growth and the expanded customer base due to the Parkvale acquisition. For information relating to the impact of the new regulations on the Corporation's income from interchange fees, refer to the Dodd-Frank Wall Street Reform and Consumer Protection Act section of this Management's Discussion and Analysis.
Insurance commissions and fees of $4.6 million for the three months ended September 30, 2012 increased $0.6 million or 14.4% from the same period of 2011, primarily as a result of a one-time premium adjustment relating to Regency.
Securities commissions of $2.1 million for the third quarter of 2012 increased $0.2 million or 13.1% from the same period of 2011 primarily due to positive results from new initiatives, combined with increased volume and the Parkvale acquisition.
Trust fees of $3.8 million for the three months ended September 30, 2012 increased $0.2 million or 6.1% from the same period of 2011. The market value of assets under management increased $440.5 million or 19.5% to $2.7 billion over this same period as a result of organic growth and improved market conditions.
Gain on sale of residential mortgage loans of $1.2 million for the third quarter of 2012 increased $0.5 million or 78.9% from the same period of 2011 due to additional sales volume. For the third quarter of 2012, the Corporation sold $71.0 million of residential mortgage loans, compared to $46.6 million for the same period of 2011, as part of its ongoing strategy of generally selling 30-year residential mortgage loans.
Income from BOLI of $1.7 million for the three months ended September 30, 2012 increased $0.4 million or 27.7% from the same period of 2011, primarily as a result of the Parkvale acquisition.
Other income of $4.0 million for the third quarter of 2012 increased $1.9 million or 85.3% from the same period of 2011 primarily due to a $1.4 million gain on sale of the former headquarters building of a previously acquired bank. Additionally, the Corporation received $0.1 million more in dividends on non-marketable equity securities and the Corporation recorded a gain of $0.1 million relating to the successful harvesting of a mezzanine financing relationship by its merchant banking subsidiary.
Non-Interest Expense
. . .


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Inclusive Cycling
Wheels for Wellbeing (WfW) is an award-winning charity supporting disabled people of all ages and abilities to enjoy the benefits of cycling. Cycling can be easier than walking, a way to keep independent, fit and healthy, a mobility aid, and a useful form of everyday transport. Inclusive cycling means EVERYONE can cycle regardless of age, health condition or impairment.
Think you can't cycle? Think again!
Last year more than 1200 disabled people and their carers and families learned to cycle with us and enjoy new skills, freedom, health, feel-good and independence. Click here to see some of our highlights from 2015.
- We run regular inclusive cycling sessions in South London for disabled children and adults to try our fleet of two, three and four wheeled cycles.
- We co-ordinate a pan-London network of inclusive cycling projects via Cycling for All.
- We offer advice, training and consultancy on access, disability and equality issues and share our unique experience with other charities, businesses and local and national government.
- We campaign to improve conditions to make everyday journeys possible for children and adults on any type of cycle.
Could You be Saving up to £300 on Energy Bills?
Could You be saving £'s on Energy Bills by Switching Suppliers? Wheels for Wellbeing have joined forces with utilities comparison site Utility Aid to help you save money ahead of winter! With a recent Competition and Markets Authority (CMA) report finding that most customers of the Six Large Energy Firms would make a considerable saving from switching and Ofgem taking action to help [more]
GAM Charity Football at Chelsea FC raises £14k for WfW
GAM Charity Football raises £14k for Inclusive Cycling On 21st May we were the proud partner for GAM's Charity Football Tournament! We headed to Stamford Bridge and entered a team into the tournament. We would like to thank our team members who did a fantastic job of representing Wheels for Wellbeing! Thanks to: Dave Hoskin, Mick Mayer, Mark Said, Senan Salmon, George Williamson, Kabuya Wamukendi, [more]
Disability cycling manifesto launched at Herne Hill Velodrome
"Beyond the Cycle" - A Manifesto Towards an Inclusive Cycling Policy Brixton disability cycling charity Wheels for Wellbeing (WfW) launched their manifesto 'Beyond the Bicycle' at the Herne Hill Velodrome on Monday 11th July. Speaking at the launch, WfW Director Isabelle Clement (right) set out the organisation's goals including recognition of cycles as a mobility aid, improved infrastructure and better facilities including [more]
MillionHares raise money for WfW by cycling dressed as bunnies
Hare to make a difference On Easter Sunday, Lambeth residents Emily Groves and Alice Chamberlain took part in a fundraising challenge in aid of local disability cycling charity, Wheels for Wellbeing. They cycled around Hyde Park for 5 miles, with a group of friends, braving the rain, dressed as Easter Bunnies. MillionHares photo album The 'Millionhares' had been friends since they were at school [more]
Debs and the March Hares raise money and awareness around Croydon
March Hares Spring into action Mad march Hares photo album During the Easter break some members of public were treated to the unusual site of ladies dressed as bunnies riding on cycles. But not the type of bunnies you might have in mind. These ladies were 'Breeze riders' – a female cycling group (of all ages), who decided to raise money and [more]
Don't assume all disabled people don't cycle, or want bike lanes
Isabelle Clement speaks out, in the Guardian, for disabled cyclists and other beneficiaries of good infrastructure Objectors to new bike routes in London and elsewhere often cite the needs of people with disabilities. They've missed the point Whenever bike infrastructure is debated, it's never very long before someone objects by saying: "But what happens to people with disabilities if you build cycle [more]
Moving Forward - Jess Thom aka Touretteshero
Inclusive Cycling: Moving Forward - Jess Thom, aka Touretteshero I used to cycle a lot as a child. I loved it! It was all part of socialising and growing up. It was absolutely essential for me to be able to get around independently. It also enabled me to stay out for longer periods to explore, and cover distances that would have been [more]
WfW chosen by Edge Cycle as their charity partner
Edge Cycle from Edge Cycle on Vimeo. Wheels for Wellbeing chosen as charity Partner by Edge Cycle We are delighted to have been chosen by Edge Cycle as their charity partner for their Trainer of the Year Event! Edge Cycle is one of the biggest dedicated cycling studios in the UK, and their Trainer of the Year event is a chance for members [more]
The Bunny Ride Participants...
Hare are some of our Bunny Ride Participants They'll be taking part in sponsored rides and other events. We are aiming for a target of £20k. The events are at various locations around London, during the Easter week. Feel free to drop in, surprise them and lend your support. Or if you would like to support them by making a donation, their [more]
Easter Bunny Ride – Emily's Story
Please Support Emily to help more disabled people to cycle We spoke to Emily about her Easter Bunny Ride on Easter Sunday with her team, the MillionHares. Do you feel prepared for the ride? Have you done much training? Not at all! I've started running again recently which I hope will help my fitness levels but I'm scared I'll be working muscles I [more]
WfW featured on BBC Blue Peter
BBC's Blue Peter visits WfW - highlighting Sport Relief On Thursday, 18th Feb, Wheels for Wellbeing was visited by Blue Peter presenters Barney and Radzi. They interviewed Tre, one of WfW's participants and longstanding supporters. The programme follows on from some funding that Wheels for Wellbeing was awarded by Comic Relief, as an example of the type of charity that benefit from their funding. [more]
Still Dreaming of a Bike Christmas - Spiridiona Watier
My 1st Inclusive Cycle Ride through Clapham... At Christmas WfW went on a festive bike ride through Clapham. We caught up with Bill and Spiridiona. Bill is blind and neither of them usually have the opportunity to cycle. They came along for the ride. "It was exactly like a dream weaving our way through the magical streets of Clapham seasonally decorated for our delight! [more]
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St. Cloud State Huskies
|St. Cloud State Huskies
|St. Cloud State University
|Northern Sun Intercollegiate Conference
|NCAA DII (most sports)
NCAA DI (ice hockey)
|Athletic director
|Heather Weems
|St Cloud, Minnesota
|Varsity teams
|Football stadium
|Husky Stadium (4,198)
|Basketball arena
|Halenbeck Hall (6,400)
|Ice hockey arena
|Herb Brooks National Hockey Center (6,600)
|Baseball stadium
|Joe Faber Field (2,000)
|Blizzard the Husky
|Fight song
|St. Cloud State Rouser
|Spirit red, Black, and White
The St. Cloud State Huskies are the athletic teams for St. Cloud State University. The university is primarily a member of the Northern Sun Intercollegiate Conference (NSIC), and currently sponsors 18 NCAA Division II teams. SCSU also sponsors a women's Nordic skiing team through membership in the CCSA, as well as men's and women's Division I ice hockey teams that are members of the National Collegiate Hockey Conference (men) and Western Collegiate Hockey Association (women). The teams go by the nickname Huskies, and the school's mascot is a husky named Blizzard.[1]
St. Cloud State was a charter member of the Northern Intercollegiate Conference (which has since become known as the Northern Sun Intercollegiate Conference) in 1932, St. Cloud State competed as a member of the North Central Conference at the NCAA Division II level from 1982 to 2008. The North Central Conference disbanded at the end of the 2007-08 academic year, and St. Cloud State's NCAA Division II sports once again became members of the Northern Sun Intercollegiate Conference in 2008-09.
The St. Cloud Athletic Department sponsors the following intercollegiate sports:
Men's sports
Women's sports
Ice hockey[edit]
The St. Cloud State men's hockey program made the move to the NCAA Division I level in 1987-88, and it joined the Western Collegiate Hockey Association (WCHA) in 1990-91. The Huskies men's team have played in the National Collegiate Hockey Conference (NCHC) since the 2013-2014 season. The women's hockey team, which began its first season of intercollegiate competition in 1998-1999, remain members of the WCHA. The Huskies hockey teams play all of their home games in the Herb Brooks National Hockey Center (5,371 capacity), which was opened on December 16, 1989.
The main athletic facilities at St. Cloud State University include Husky Stadium (football and soccer), Halenbeck Hall (indoor track and field, swimming and diving, volleyball, wrestling and basketball), the Herb Brooks National Hockey Center (ice hockey) and Selke Field (softball). Baseball is played off-campus at a City of St. Cloud ballpark called Joe Faber Field.[7]
Herb Brooks National Hockey Center[edit]
As of 2009, St. Cloud State was working on a $29.3 million renovation of its National Hockey Center. The Minnesota Legislature has funded $6.5 million of that total, with the balance to come from fundraising.[8][9] The two-phase construction project, the first phase of which is completed, has transformed the building into the Herb Brooks National Hockey Center, expanding a predominately hockey-only facility into a multi-purpose event center. Among the renovations are expanded luxury suites, a new main entrance, and improvements to the ticketing, administration, university store, concourses, restrooms and concession areas. Ths school is currently working on the second phase of fundraising for the renovations[10][11]
Athletic alumni[edit]
|This section needs additional citations for verification. (December 2015) (Learn how and when to remove this template message)
Van Nelson, United States Track and Field Olympian, competed in Cross Country and Track and Field for St. Cloud State University from 1964-1969. Along with Chuck Spoden and Kenny Mitchell, Nelson founded the first SCSU cross country team. His freshman year he qualified for the national meet and finished 8th. While at St. Cloud State, Nelson set a new collegiate record of 13:45.8 for 3 miles in Sioux Falls, SD. Van was a three year, double gold medal winner at the Drake Relays and twice won the Drake Relays Outstanding Athlete Award. Nelson still holds the SCSU records for the 5,000m, 10,000m, 15,000m, 20,000m and 30,000m runs. Van qualified to represent the United States at the 1968 Mexico City Olympic Games. Going into the games Van was ranked 4th in the world in the 5,000m and 8th in the 10,000m.
Former St. Cloud State football player Todd Bouman was a veteran quarterback in the NFL. He played for the Minnesota Vikings, New Orleans Saints, Green Bay Packers, Jacksonville Jaguars, Baltimore Ravens, and finished his career with a second stint with the Jacksonville Jaguars in 2010. Other former St. Cloud State players to play professional football in the NFL include Keith Nord (Minnesota), Ben Nelson (Minnesota), Jeff Hazuga (Minnesota), Harry Jackson (Green Bay), John Kimbrough (Buffalo, New England and Oakland) and Fred Williams (Kansas City). Of note, Ben Nelson was named the 2006 Arena Football League Rookie of the Year while playing for the San Jose SaberCats.
St. Cloud State women's basketball player Erika Quigley was named the NCAA Division II Player of the Year in 2007. Diver Nate Jimmerson won the NCAA Division II men's one- and three-meter diving titles in 2008. Former St. Cloud State athlete Mary Ahlin won the NCAA Division II titles in women's one- and three-meter diving in 1998 and 1999, while Sarah Loquai won the NCAA Division II women's one-meter diving in 1997. In 2004, the St. Cloud State softball team placed third in the nation at the NCAA Division II softball championships. Former St. Cloud State women's ice hockey player Jessica Kresa is now a professional wrestler under the name ODB.
Garrett Bender plays rugby for the United States rugby sevens national team.
Ice hockey[edit]
A total of 24 former St. Cloud State ice hockey players have gone on to play professionally in the NHL. Hockey Hall of Famer Frank Brimsek played for the Huskies in 1933-34 before going on to a sterling professional career with the Boston Bruins and Chicago from 1938-50. He helped the Boston Bruins win two Stanley Cup titles and he is a member of both the international and United State Hockey Hall of Fames.[12]
Other former St. Cloud State players to skate in the NHL include Sam LoPresti, Len Esau, Steve Martinson, Tyler Arnason, Casey Borer, Tim Conboy, Matt Cullen, Jeff Finger, Bret Hedican, Joe Jensen, Fred Knipscheer, Ryan Malone, Joe Motzko, Mark Parrish, Duvie Westcott, Mark Hartigan, Andreas Nodl, Nate Raduns, Matt Hendricks, Andrew Gordon, Oliver Lauridsen, Ben Hanowski, and Drew LeBlanc. In recent years, Matt Cullen and Bret Hedican helped the Carolina Hurricanes win the Stanley Cup in 2006, while Mark Hartigan and Joe Motzko won the Stanley Cup in 2007 with the Anaheim Ducks. Hartigan was later a member of the Detroit Red Wings during their Stanley Cup championship season in 2008.
- ^ "St. Cloud State Athletics". St. Cloud State University. Retrieved 2009-08-04.
- ^ http://www.startribune.com/st-cloud-state-dropping-6-sports-programs/370796061/
- ^ http://www.startribune.com/st-cloud-state-dropping-6-sports-programs/370796061/
- ^ http://www.startribune.com/st-cloud-state-dropping-6-sports-programs/370796061/
- ^ http://www.startribune.com/st-cloud-state-dropping-6-sports-programs/370796061/
- ^ http://www.startribune.com/st-cloud-state-dropping-6-sports-programs/370796061/
- ^ "SCSU Athletics - Facilities". St. Cloud State University - Athletics. Retrieved 2009-08-11.
- ^ "National Hockey Center Renovation". Minnesota Colleges and Universities. Retrieved 2009-08-07.
- ^ "Architects named for NHEC". St. Cloud State University. Retrieved 2009-08-07.
- ^ "Plans for the Future - the National Hockey and Event Center". St. Cloud State University. Retrieved 2009-08-04.
- ^ "Herb Brooks National Hockey Center". St. Cloud State University. Retrieved 2013-09-22.
- ^ "Team History". Boston Bruins. Retrieved 2009-08-11.


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- Report: #788830
Report - Rebuttal - Arbitrate
Complaint Review: Maxwell Carr-Howard
Maxwell Carr-HowardInternet United States of America
Maxwell Carr-Howard - max carr-howard - husch blackwell thief,l is a liar and a thief should not be trusted caution rip off Internet
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When I met with the Husch Blackwell lawyer Max Carr-Howard in Chicago in Mid September he began to tell me that my case was very important and that i needed to make a very serious impression on him in order for him to take my case, he gestured towards his private parts,
i was unsure if Max Carr-Howard was just scratching himself or if he had a problem and then he stated that if i wanted to go back to his hotel and talk more about his case and he grabbed his privates again as he said it and gestured with his head in the direction of his hotel, saying that he could give me what i needed and keep me warm as it was pretty cold out that day and he would consider that compensation for his services,
Max Carr-Howard told me he just got back from Vegas and said would you like to get lucky as he unzipped his pants and started playing with himself there on the sidewalk in the freezing cold, he said , you wont be sorry, but if you don't do this, then i would have deep regrets, i could not believe what was happening, i had already paid him a thousand dollars to hear my case as a retainer and now he wanted me to give him sex?
what a jerk and this guy should not be trusted at all, if you have any dealings with him, beware, should he be arrested? like i said this guy is a real jerk and I would never hire him or Husch Blackwell for anything, should they be investigated for this? and why would he play with himself like that anyway in public? even though all i needed was for him to write me a letter for my case, i don't think he should have treated me this way? Maxwell Carr-Howard is a sex addict and I would not do any business with him,
This report was posted on Ripoff Report on 10/14/2011 01:37 PM and is a permanent record located here: http://www.ripoffreport.com/r/Maxwell-Carr-Howard/internet/Maxwell-Carr-Howard-max-carr-howard-husch-blackwell-thiefl-is-a-liar-and-a-thief-sh-788830. 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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text:
More wines available from Miguel Torres
Miguel Torres Ribera Del Duero Celeste 2012 Customer Reviews
|Wine Rating
There have been no reviews for this product. Be first to write review.
Additional Information on Miguel Torres Ribera Del Duero Celeste 2012
Winery: Miguel Torres
Vintage: 20122012 has, so far been a positive year for wineries around the world. While it may be a little too early to speak of the wines being made in the northern hemisphere, European and North American wineries have already begun reporting that their harvesting season has been generally very good, and are predicting to continue with the kind of successes they saw in 2011. However, 2012 has been something of a late year for France, due to unpredictable weather throughout the summer, and the grapes were ripening considerably later than they did in 2011 (which was, admittedly, an exceptionally early year). French wineries are claiming, though, that this could well turn out to be advantageous, as the slow ripening will allow the resulting wines to express more flavour and features of the terroir they are grown in. The southern hemisphere has seen ideal climatic conditions in most of the key wine producing countries, and Australia and New Zealand particularly had a superb year, in particular with the Bordeaux varietal grapes that grow there and which love the humidity these countries received plenty of. Also enjoying a fantastic year for weather were wineries across Argentina and Chile, with the Mendoza region claiming that 2012 will be one of their best vintages of the past decade. Similar claims are being made across the Chilean wine regions, where Sauvignon Blanc and Cabernet Sauvignon had an especially good year. These two grape varietals also produced characterful wines on the coastal regions of South Africa this year.
Varietal: TempranilloThe wines made from the Tempranillo grape varietal have gone down in history as being some of the finest in the world, with the Spanish region of Riot being one of the most famed and respected examples of a quality red wine made with this grape. Elsewhere in the world, the Tempranillo grape has had plenty of success, and grows best in regions with a mixture of hot sunshine and cooling breezes. These grapes hold plenty of intense and interesting flavors, and are often said to hold many of the most sought after flavors to be found in a red wine. Leather, tobacco, plums and herbs are often noted in wines made with Tempranillo grapes, and the blended wines made with this varietal are often seen at the top of world rankings.
Region: Castilla Y LeonFrom the beautifully robust, boisterous and spicy red Tempranillo wines of the west, to the fruity, aromatic white Verdejo wines from the Rueda, Castilla y Leon is a Spanish wine region with something to please everyone. The region itself is a particularly fascinating one for European wine fans, as it dates back several centuries and is, in many ways, the defining region of Spain for the country's viticultural identity. Dry, arid soils and baking heat produce wines of a unique character, coming from grapes which have to struggle to attain the moisture they require in order to ripen. The flavors of Castilla y Leon are big, bold and seductive, and packed full of all the passion and history only a country like Spain can provide.
Country: Spain
Ever since the Phoenicians and Romans brought their knowledge of vine cultivation to Spanish soils, the country's culture has grown alongside wine production, with wine being a vital part of Spanish identity and Spanish traditions. Each region of Spain has a wine quite distinct from the others, and it is produced by smallholders and families as much as it is by large companies and established wineries. From the relatively mild and lush regions of La Rioja to the arid plateaus that surround Madrid, grapes are grown in abundance for the now booming Spanish wine industry, and new laws and regulations have recently been put in place to keep the country's standards high. By combining traditional practices with modern technology, Spanish wineries are continuing to produce distinctive wines of great character, flavor and aroma, with the focus shifting in recent decades to quality over quantity.


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Lillian F. Calicotte, 94, of Hannibal, Missouri, died at 4 a.m. Tuesday, October 22, 2013.
Funeral Services will be at 10 a.m. Friday, October 25, 2013 at the James O'Donnell Funeral Home. Burial will be at Moun Zion Cemetery in rural Hannibal, MO.
Visitation will be from 9 a.m. until the time of services Friday.
Online condolences may be made at www.jamesodonnellfuneralhome.com
Location, ST | website.com


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Food Town has printable coupons on their website now but does not double or triple coupons. I emailed them, and in February they sent me a copy of their official coupon policy. When I shopped recently, they told me they have a new coupon policy for SOME stores. I'm waiting to hear back to see what the changes are. I've emailed them a couple of times, but no dice. The El Dorado store has a limit of 6 like coupons, but so far the stores in Pasadena do not.
Before you go shopping, double check your store's policy.
Best Food Town Deals:
Chicken Drumsticks – $.49/lb
Borden Cheese, includes Shredded, Chunk, or American Singles – $1.66
– Use the $1/1 from the
– Final Price: $.66
Clementine Oranges, 2 lbs – $1.49
Mrs. Bairds Large or Butter Bread, 20 oz loaf – $1.55
– Print the $.55/1 Thursday coupon from Facebook
– $1
BelVita Breakfast Bars – 8.8 oz – $2.49
– Redeem the $1/1 MobiSave offer
Smuckers Strawberry Preserves – $2.44
– Redeem the $.75/1 MobiSave offer
Smuckers Grape Jelly Squeeze – 20 oz – $1.33
– Redeem the $.75/1 MobiSave offer
Bama Grape or Apple Jelly or Grape Jam – 30 oz jar – $.99
Happy Hen Eggs – 1 doz – $1.55
Adolphus Rice – 25 lb bag – $8.99
See the rest of the Food Town Coupon Matchups here!


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Hotels in Placencia, Belize
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- Most bookedBelize Ocean Club Resort
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"agreat beach hotel w kayaks paddle boards and swim up bar. i am going back"
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"Perfect place in Placencia. Great beach, complementary water sports, good food and excellent staff. The staff was the highest highlight. They were always attentive and friendly and made sure our stay was everything we were looking for. The beachfront location was perfect- cocktails on the wharf a..."
A Traveller, Feb 2016, US
15 people looked at this hotel in the last hour
Most recent review
"We had a wonderful get away. The bed was comfortable and the air conditioning was great. I loved having a built in dresser for my clothes. We had a beautiful view even for a side room. The balcony was nice with chairs and a hammock. The shower had some mold along the floor edges by the door...."
A Traveller, Jun 2016, US
8 people looked at this hotel in the last hour
Most recent review
"This place is incredibly beautiful, but just a bit over-manicured perhaps. Felt like were were in South Florida, not Central America. The staff were SO service-oriented (especially Michael at the front desk), but having paid $400+ / night for our room, the $5 Paddle Boarding and Kayaking, the $20..."
A Traveller, Jan 2016, US
8 people looked at this hotel in the last hour
Most recent review
"The hotel was not as nice as it looked on the Internet but for the price and services the only complaint I have is no refrigerator. I was on the 1st floor which was a little worn but comfortable. Ac worked fine ,clean towels and bedding. It was very quiet at nite and staff were very helpful. I wo..."
A Traveller, Aug 2015, US
7 people looked at this hotel in the last hour
Most recent review
"Arrived after a marathon red-eye flight, and the long speed bump infested drive to a very clean, albeit spartan, room. Alas, it's late and the A/C doesn't work! The manager, a VERY nice, helpful man said he would try to get it fixed the next day. But remember, this is--Belize! Amazing man, he got..."
A Traveller, Jan 2015, US
5 people looked at this hotel in the last hour
3 people looked at this hotel in the last hour
Most recent review
"The restaurant and bar staff were very accommodating and provided great food and drinks! The pool is next to the bar with a small view of the ocean - nice pool. The atmosphere of the inn was good, but we were basically the only guests our entire stay which was somewhat strange. If we didn't dine ..."
A Traveller, May 2016, US
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- Mariposa Beach Suites
- Singing Sands Inn
- Robert's Grove Beach Resort
- Laru Beya
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The location of your Placencia hotel is important. If you are traveling to Placencia, &StateorCountry for business, you may want to consider getting a hotel close to the airport or near your meeting venue. By doing so, you can really cut down on transportation costs and time. You may also want to book a hotel that offers free wifi just in case you need to get some work done.
If you are traveling for vacation, figure out which attractions or landmarks you want to see and book a hotel that is within close proximity. Although hotels near attractions might cost a little more, you may find that spending those extra few dollars is worth the convenience. You can even find hotels that align with your interests. For example, if you are looking for a relaxing vacation, a spa hotel may be the perfect choice for you.
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Sulfate-Free Moisture & Shine Shampoo is a sulfate-free formula that hydrates hair and adds exotic shine, while gently cleansing without harsh moisture stripping agents. It strengthens hair while optimizing the moisture balance of the hair and scalp.Gently cleanses hair without harsh, moisture stripping agentsStrengthens hair while optimizing the moisture balance of the hair and scalpHelps to detangle, soften and boost exotic shineInfused with Argan Oil from Morocco
Number of Pieces: 1
Hair Type: All Hair Types
Used For: basic cleansing
Product Form: Liquid
Features: Lightweight
other Info.
- Online Item #: 14382912
- Store Item Number (DPCI): 063-05-1233
- Item can be gift wrapped.
- Made in the USA or Imported


text:
Contact Us
Leadership development is an essential element in the process of improving our association and profession.
The Idaho Association of REALTORS® administers its "Idaho REALTORS® Leadership Academy" to identify emerging REALTOR® leaders in the state, encourage them with motivational activities, and facilitate development of leadership skills.
The participants work together in a training course combining individual study, group sessions, and projects designed to build experience applying leadership skills.
Training sessions include identification of leadership qualities, team-building exercises, procedures for goal setting, personal profile analysis, network building, and improving communication skills..
Objectives of the Idaho REALTORS® Leadership Academy:
2017 IRLA Application
For more information, please contact:
Laura Hull, Communications Director
Email: email@example.com


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Intel Buys Embedded Specialist Wind RiverJun 05, 2009
Chipmaker Intel has paid around $900 million for Wind River's know-how in things embedded and mobile.more »
Plan B at OpenMoko: Remaining Developers Let GoJun 04, 2009
In a message to the community, OpenMoko CEO Sean Moss-Pultz explained how things with the open source mobile phone are to go from this point on.more »
SanDisk to Streamline Solid State Drives for NetbooksJun 04, 2009
Data storage specialist SanDisk announced at Computex the redesign of its solid state drives. The flash memory is intended to be quicker and more precise than the first generation.more »
Asustek Retracts, Puts Qualcomm Android Eee PC on IceJun 04, 2009
June 1 Qualcomm presented its new superflat Eee PC with Snapdragon chipset and Xandros or Android to the public. But the enthusiasm waned shortly thereafter.more »
Smartbooks on Their Way: ARM-Based Mini-NotebooksJun 02, 2009
When the Computex show opens in Taipei on June 2, among the announcements will be a series of Linux notebooks with ARM processors.more »
First Glance at KDE 4 in Netbook ContextJun 02, 2009
KDE hackers are working on a netbook user interface for KDE 4. First results are evident.more »
FSF Settles with Cisco over LicensingMay 21, 2009
In December 2008, the Free Software Foundation (FSF) filed a lawsuit against network giant Cisco, claiming that its subsidiary Linksys had multiple violations of the GPL. The two parties have now reached an agreement.more »
Latitude 2100: Netbook Not Just for StudentsMay 20, 2009
Dell takes the new 10" 2100 netbook out of its Latitude business series to target students, but it also serves as a mobile business device. Ubuntu 8.10 runs on it.more »
Issue 190/2016
Buy this issue as a PDF
LinuxCon North America Convenes in Toronto, Canada
Linux Foundation's big event celebrates the 25th anniversary of Linux
Linux Turns 25
Linux has evolved from a "won't be a professional" project to one of the most professional software projects in the history of computers.
Mirantis Joins Hands with SUSE To Offer RHEL Support; Red Hat Not Happy
Competitors get in the game with RHEL without Red Hat
Linux on Windows 10 Poses a Security Risk
Security researchers have already notified Microsoft; some fixes are available
Mirantis to Refactor OpenStack Fuel for Kubernetes
The company is collaborating with Google and Intel to use Kubernetes as an engine for Fuel
Canonical Joins Document Foundation Advisory Board
The upcoming release of LibreOffice will be available as a snap package
SUSE Joins the Microsoft Test Drive Program
Customers can take a free test drive of SLES for HPC on the Azure Cloud
SiFive Launches a Line of Open Source Chips
San Francisco-based chip company announces their first fully open source chip platform.
Fedora 24 Released
The whole distro gets rebuilt on glibc 2.3
Canonical Announces Cross-Distro Support for Snaps
Ubuntu Vendor tries to solve app packaging and distribution problem across distributions.


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It was the Stone Roses who were of course gaining the headlines in Heaton Park, Manchester over the weekend, but another icon of the north west's music scene managed to notch up a couple for himself too, former Oasis man Liam Gallagher appearing with his new band - largely featuring ex-Oasis alumni - Beady Eye as one of Saturday's support acts.
Gallagher's group have been going since 2009 so their appearance was not much of a talking point in itself; however, Saturday night marked the first time that the younger of the two famously quarrelling brothers had elected for the group to play Oasis songs written by Noel Gallagher. Gallagher had given prior warning of the decision earlier in the year, reports The Guardian, when he announced "I feel they're just as much my songs as they are Noel's. And if people don't like it, go to the bar or f**k off. If they do like it, jump up and down, let's have a good time".
The move came under criticism from fans on Twitter, causing the 39 year-old to angrily retort "Listen up squares we're playing them live not re-recording them so chill." So it was that during their set Beady Eye played 'Rock 'n' Roll Star' and 'Morning Glory' from his previous band's first two albums respectively. Older brother Noel Gallagher has regularly played Oasis tracks with his own band the High Flying Birds, but then many have reacted rather more positively to this, given that it was he who wrote them first time out.
Made by a fan for fans, this documentary explores the iconic English rock band through...


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Soulstice Theatre stages 'Betrayal'
Harold Pinter's now-classic drama "Betrayal" famously moonwalks its way through a long-running affair and its effect on two couples: The scenes unfold in reverse chronology, leading the audience back in time to the beginning of the relationship.
Amy Hansmann, Joe Krapf and Andrew Riebau will play the principals in Soulstice Theatre's production, which takes place Sept. 13 though 28 at 3770 S. Pennsylvania Ave., St. Francis. »Read Full Article
Slimmed-down MSO fattens up Beethoven's Ninth
It apparently does not take a village to give a thrilling performance of Beethoven's Symphony No. 9.
The Milwaukee Symphony Orchestra and music director Edo de Waart gave a performance of the great symphony Friday night that traded the stately sounds and dense string sections popular in performances and recordings of the latter half of the 20th century for a smaller orchestra and edgier sound. »Read Full Article
Even Hank the Brewers dog gets days off
Hank the Brewers dog has vocal fans. They can't get enough details about the stray who wandered into the Milwaukee Brewers' spring training camp in Arizona last month.
We hear you. »Read Full Article(18)
Angela Sorby's book offers 'Waves' of poems with state ties
Opening an unfamiliar poet's new book can seem as daunting as beginning the climb up a strange mountain.
Fortunately, Angela Sorby offers plenty of pitons in her new collection, "The Sleeve Waves" (University of Wisconsin Press), this year's winner of the Felix Pollak Prize in Poetry. Wisconsin locales and musical references are among the handholds she's carved for a reader prepared to travel with her: How could I turn down a poem ("Golden Spike") that opens with an epigraph from Johnny Thunders? »Read Full Article


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no preferences.
all depends
but i want to make the lady feel special..
Go to the Masjid,then a nice candle light dinner after that we could take a carriage ride or a walk to talk.
Another date would be going to a football or basketball game or concert then out to eat.
I would love him to surprise me :) I could do anything really, but i like surprises :D
Will be romantic and lovely. Will be planed as we progress.
surprise me, something intresting not something thats been done many times
Since i love nature maybe a picnic over looking a city, or maybe at the beach
No been there yet! Try to meet with people ... Been away averseas for soooo long ....
First date would involve something chilled out, lots of laughing and getting to know someone. If the company is god, the date will be great!
Ice skating
Ice cream
Roller blading
Amusement park
I am not a typical girl, so taking me somewhere like paintballing will definitely win more brownie points than the typical "coffee and dinner"!
a gym workout or a lunch, maybe a nice dinner and a movie?.
travel and my job and sport ...
My perfect first date would be having a walk on the beach and just talking and getting to know each other. Being that I live in NY, that isn't always ideal ...so having a nice dinner is always good as well!
InshaAllah, I feel best in public setting or even a meeting arranged at a local masjid.
MuslimFriends does not conduct background checks on the members of this website.


text: $13.56 Free Ship K95 Type High-Power 500 Million Volts Stun Gun with US Plug - Wholesale US$12.49 Price Reasonable, fast shipping. Maybe a little wired, but kinda interesting Flag this deal What's the matter? Choose a reason Dead deal Duplicate Bad link Spam Inaccurate No value Alive again Edit deal


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June 6, 2015 - Montpelier hosted 16 of the nation's premiere scholars at its first annual Roundtable on James Madison and the American Constitution.
May 20, 2015 - Judy Woodruff, co-anchor and managing editor of PBS NewsHour, delivered the keynote address at the 10th annual Dolley Madison Legacy Luncheon.
December 23, 2013 - In this season of giving, Montpelier shares with you some of our favorite gifts and treasures!
July 2, 2013 - Two small paintings with a mysterious past are now on display in the Joe and Marge Grills Gallery at James Madison's Montpelier. Our extensive research project, the Presidential Detective Story, have put together the clues to unpack "The Case of the List and the Landscapes."
June 20, 2013 - We invite all visitors to stop into the Grills Gallery and call on "Mother" Madison as did so many visitors to Montpelier two hundred years ago.
As with many famous folks, the internet abounds with questionable folklore, spurious quotes, and outright falsities concerning James and Dolley Madison. It has long been repeated that James Madison, notoriously diminutive in stature, stood 5'4". However, in documentary records...
Continuing my professional journey at this historic place, the home of James Madison, is a tremendous honor. Madison restored himself on these lands before returning to the Herculean task of creating a new nation. I, too, feel restored in returning home to Virginia, to the rolling Piedmont hills, and to the red earth of Orange County.
On April 12, 1823, former First Lady Dolley Madison closed a newsy letter to her son John Payne Todd with this comment:
A team of curators, facilities and restoration staff, and a fine art specialist worked late into the evening hours on September 17—Constitution Day—to install thirty-four of the thirty-seven prints and engravings listed on an 1836 document entitled "Engravings in the dining room."
Perhaps the principle highlight of James Madison's presidency was the aptly named War of 1812. Often referred to as "America's Second War for Independence," the war was the new nation's struggle for sovereignty. Locked in a long and difficult clash with Napoleon, the British attempted to hinder the growth and prosperity of their former colony, and prevent the United States from colluding against them with the French.
Administered by The Montpelier Foundation © 2007–2016 The Montpelier Foundation


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The thumbnail images are larger than the original images.
The thumbnail images are larger than the original images.
Yes, my thumbnail images are huge as well.
Under your Extend HTML content selection tab of extending description and content:encoded HTML, I have both items checked because I thought I would need to extend my excerpt since I am using a thumbnail.
But it doesn't extend my excerpt at all, it just makes my images huge. And I see that it allows the image 90% more width if you have those items checked.
What exactly does the "extending the description" and "content:encoded HTML" do to the rss feed?
I just gave up on it.
this will be addresses in new version, where you will be able to set the thumbnail width and height.
There are two possible "fields" for post text in RSS feed. Standard field is just plain description tag. Most RSS readers are looking for second (newer) tag - "content:encoded". This plugin will add the "content:encoded" tag to your RSS feed.
But you still can control if image will be inserted to those two tags in RSS. There are still special tags just for image URL, but they are not always used be the reader... so that is why most feeds have image injected to HTML part of the item in RSS.
there is an update that will let you setup the size of embedded thumbnail sizes... since version 1.4
@ladislav.soukup I still have the same problem posted here. I have the latest version( just discovered it) and the images are outputted as 90% of the container from what I select in the settings( full image, thumbnail, medium, large) and for example on newer resolution screens( 1920 and higher) the images would look bad upscaled since I don't use monster size images on my blog.
I don't know too much about feeds but there is a way I can style that via CSS or sometjing so the images to be picked as percent but to stop from growing on a maximum screen width( like max-width: 970px;) ?
I have the same problem, too.
This topic has been closed to new replies.


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I have a podcast already up and running at blogger and now I'm looking to move to my own hosting provider and domain name. I just finished installing the latest version of wordpress and I'm ready to start looking at importing my blogger posts and comments.
The problem, though, is that I'm also investigating using torrent to distribute the enclosures. Ideally, I'd like to have three separate feeds: a direct download feed, a torrent feed, and a generic blog feed for regular RSS aggregators.
I can see how I can easily do this by using categories and categories-specific feeds. It just means posting the same entry in different categories with links to the two different files and let feedburner create the enclosure and maintain the feed. This gives me the added advantage of not breaking the feed my existing subscribers are using.
The problem I'm running up against is this: is there anyway to control which categories show up on the main page and in the main RSS feed for the site? Otherwise, the two posts I make will show up twice. The podcast posts will also show up in the regular site feed.
I suppose I could limit all blog posts to a particular specific category, but I was hoping to be able to take better advantage of wordpress's category features.
I hope that made sense to someone...


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Seven Brits travelled to Russia to compete in the Iceberg Skating Palace for the Olympic test event with Elise Christie maintaining her fine form by winning 1500m bronze and 1000m silver.
They were the 22-year-old's sixth and seventh World Cup medals this season with her silver in the 1000m wrapping up the overall World Cup title in the distance ahead of this weekend's finale.
Two-time Olympian Jon Eley reached the B finals in both the 500m races, placing second in the first for sixth overall and third in the second for seventh overall in Sochi.
Paul Stanley joined him in the first 500m B final, ranking eighth overall, before both formed part of the British 5000m relay team along with Richard Shoebridge and Jack Whelbourne.
They British quartet were lying in second in the final with six laps to go but crashed while trying to overtake the eventual winners and home nation Russia and finished fourth.
And Horsepool, Britain's short track speed skating performance director, is adamant such performances in the Olympic arena bode well for this time next year.
"There were great performances across the board all weekend, the men's relay was outstanding, we had two medals from Elise and we had eight top eight's which has been our best performance in the world cup so far," said Horsepool.
"It has shown that the programme we have in place is working so I'm really pleased with the results. The boys did fantastically well here after what was, for them, a disappointing Europeans.
"They are back up with the top teams in the world, and even though they fell, it is great to see them challenging the Russian team on their home soil ahead of next year.
"The performances we had this weekend have been the best we have had all year, and to be getting these results at the test event for the Olympic venues is a fantastic place to do it.
"Because the team have had good results here they now have a good feelings and positive emotions linked to the venues here in Sochi, which is very important psychologically ahead of next year's Games.
"We are very much looking forward to coming back here for the Olympics."
© Sportsbeat 2013
- Sports & Recreation
- Ice Skating
- Elise Christie


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Ready to watch this entire course?
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- Overview
- Transcript
- View Offline
- Performing automatic retouch, scaling, and more with the Content-Aware tools
- Editing the histogram
- Customizing a Levels adjustment
- Making channel-by-channel Levels adjustments
- Sharpening with the Smart Sharpen, Emboss, and High Pass filters
- Working with vector-based type
- Kerning and tracking characters
- Creating text on a path
- Drawing and customizing shapes
- Creating depth, contour, and texture with layer effects
- Liquifying an image
- Simulating an infrared photo
- Adjusting print position, size, and color
- Creating the perfect JPEG image
- Downsampling for the web
Skill Level Intermediate
In this movie, I'm going to show you how to change the default settings for any given layer effect. But, I will warn you up front the your changes are permanent. That is they take effect until, the next time you change the default settings. And the only way to reset the factory default settings, that ship with Photo Shop, is to quit the program. And then restart it, while pressing the control shift and alt keys on the pc or the command shift and option keys on the mac in order to reset the preferences. But I'm not a big fan of the default settings so I see no problem in changing them.
Anyway, it's up to you whether you want to work long with me or not. But let's say that I really like the shadow effects that are associated with the shire layer. I'd go ahead and select it, and then double click on the drop shadow in order to bring up the layers style dialogue box. Now I just want you to note the opacity is 70%, we've got a dark shade of brown here. This distance value is 1 pixel, and the size is 20 pixels. If I want to save those settings, as my drop shadow defaults then I would click on this button here, make default.
And even though nothing seems to have happened, I just modified the default settings for my drop shadow. Now click on inner shadow. I've dialled in a opacity value for 75% here. We have distance choke, and size values of 1030 and 35 respectively, to save them off as my default. I'll once again click the made default button. And then I can just click the cancel button or okay, it doesn't matter because the deed is done. And just to demonstrate, I will click cancel. And then I'll go ahead and switch over to this file.
And now let's say I want to apply those default shadow effects to this craving layer. Then I double click on the drop shadow. Notice the opacity is 100%. We have different distance and size values. As soon as I click Reset to default. I load those default settings I saved just a minute ago. An opacity of 70 percent. A distance of 1, and a size of 20. Now, I'll click on inner shadow. And I'll click reset to default for it as well. And that goes ahead and loads those settings I saved just a moment ago.
Now this time I'll click okay. Because I want to apply those effects to my text. Some other settings you might want to change. I've never been a big fan of that pale yellow, which is assigned by default with the glow effects. To change those drop down to the effects icon and choose outer glow. And we've got a really dinky glow as you can see here. So I'll click inside the signs value and crank it up to 25 pixels. Then I'll click on the pale yellow color swatch Change it to white and click ok.
And now you want to click on make default. Very important that you perform that step in order to change those default settings. Now click on inner glow, and do the same thing. I can't even see the inner glow effect on screen. So I'll take the size value up to 25 pixels to make it more or less visible. Then I'll click on a pale yellow swatch and change it to white and click OK. Then click make default in order to save out those default settings. Finally, I'm going to switch to stroke. And just so I can see the stroke better, I'll click on 100 percent button up here in the options bar in order to zoom into 100 percent.
Then I'll just drag the window over. I don't have to press the space bar. Now, notice that the stroke is rounded at the corners of the letters, and that's because the position is set to Outside. If you want to avoid that rounding, then change it to inside, which is generally, a safer way to work. And notice now, we get these sharp corners. And I really see no reason to start with size of 3 pixels, that seems arbitrary to me. So I'm going to take that value down to 1 pixel and click the Make Default button in order to save out those settings.
And now I can just click Cancel because after all I don't want to apply any of these effects to my text. And just to confirm that I managed to save out those defaults, I'm going to click on the fx icon and choose Outer Glow, sure enough 25 pixels white. Click on Inner Glow, 25 pixels white once again, click on Stroke, Position Inside and Size 1 pixe. And that friends is how you change the default settings associated with any layer effect here inside Photoshop.


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October 12 2011
Fall Festival Featured Fun, Games for All
Posted by Lucy
Fall Festival Featured Fun, Games For All
Quincy Taylor, on the right, of Presho and her cousin Allison Rick of Rapid City decorate pumpkins during the 2nd annual Presho Fall Festival held Sunday afternoon at the fire hall. Penny carnival games entertained children of all ages. Prizes were donated by the Presho Thrift Store n More.
- Fall sports back in action
- Kennebec to celebrate Lake Byre Day
- Presho Firefighters receive Grain Bin Rescue equipment and training
- Lyman County ACS Survivor celebration event
- Swimming season comes to an end
- County completes rural development analysis
- Swinson named PHS Distinguished Alumni
- Greater Lyman Foundation continues to grow
- Lyman County law enforcement officers recognized
- Presho's Sidewalk Project presented to public
- Lyman Alumni Reunion set for July 30
- New members seated on School Board


text:
Sidney Hook, an Intellectual Street Fighter, Reconsidered
It would take a mighty large bookcase to contain all of the works on pragmatism published over the last two decades. The brainchild of Charles Sanders Peirce (1839-1914) and William James (1842-1910) and most fully articulated by John Dewey...
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text:
Take a sneak peek at the new NIST.gov and let us know what you think!
(Please note: some content may not be complete on the beta site.).
NIST Staff Recognized in Annual Commerce Department Awards
For Immediate Release: December 1, 2009
Michael Baum
Fourteen staff members at the National Institute of Standards and Technology (NIST) have received one of this year's Department of Commerce Gold Medals and an additional 23 have received Commerce Silver Medals. The medals represent the two highest honors given by the department for exceptional work in the service of the Commerce Department or one of its agencies.
Details of the NIST award winners may be read at "37 Employees Earn DOC Awards."