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Quotes & Info
|TMK > SEC Filings for TMK > Form 10-Q on 8-Nov-2012
|All Recent SEC Filings
Quarterly Report
Acquisition. As disclosed in Note H-Acquisition, Torchmark acquired Family Heritage on November 1, 2012 for approximately $232 million. As noted, Family Heritage is a specialty insurer focused primarily on selling individual supplemental health insurance products through a captive agency force, consisting of approximately 1,200 agents. We were attracted to the company because it sells protection-oriented insurance to middle income families through a captive agency force that we believe we can help grow. We currently intend to operate the company as a stand-alone operation. We expect that the addition of this acquisition will be accretive to earnings and earnings per share in both 2012 and 2013, excluding the effects of acquisition costs of the transaction as described in Note G-Business Segments and Note H-Acquisition. These costs must be expensed in their entirety in 2012 under applicable accounting guidance. The transaction will have a minimal effect, if any, on our share repurchase program and the regulatory capital ratios of the insurance subsidiaries.
Debt Transactions. As discussed in Note I-Debt Transactions, we closed two separate debt issues on September 24, 2012 - a ten-year $300 million 3.8% Senior Note issue and a forty-year $125 million 5.875% Junior Subordinated Debt issue that is callable at par after five years. The Senior Notes were issued to provide approximately $200 million to fund the acquisition of Family Heritage and $94 million to pre-fund the eventual retirement of our August 2013 7 3/8% Senior Notes. As we wanted to fund the majority of the Family Heritage acquisition internally, the Parent Company issued $150 million of these Senior Notes to two of our insurance companies. The $125 million in Junior Subordinated Notes were issued to refinance our $120 million Trust Preferred Securities, which carried an interest rate of 7.1%. The Trust Preferred Securities were called on October 24, 2012.
The $150 million in the 3.8% Senior Notes owned by our insurance companies are eliminated in consolidation and thus are not treated as outstanding debt or as invested assets in our consolidated financial statements. Therefore, the issuance of these two instruments resulted in net additional proceeds to the Company of $268 million during September, 2012. After the older issues are retired, the addition of these new debt issues will result in a small increase in our debt to capitalization ratio and a reduction in interest cost. These issuances will have no material effect on our debt covenants.
Effect of New Accounting Standard. As discussed in Note F - Adoption of New Accounting Standard, Torchmark adopted ASU 2010-26, a new accounting rule concerning the deferral of policy acquisition costs. Note F describes the effect that this new guidance has on Torchmark. The new standard was adopted effective January 1, 2012, but was adopted retroactively, meaning that all prior periods give effect to the change as if we had always accounted for deferred acquisition costs under the new guidance. Therefore, the results for prior periods presented in this discussion have been restated as if the new rule had been in effect in those periods.
Summary of Operations. Torchmark's operations are segmented into its insurance underwriting and investment operations as described in Note G-Business Segments. The measures of profitability described in Note G are useful in evaluating the performance of the segments and the marketing groups within each insurance segment, because each of our distribution units operates in a niche market. These measures enable management to view period-to-period trends, and to make informed decisions regarding future courses of action.
The tables in Note G-Business Segments demonstrate how the measures of profitability are determined. Those tables also reconcile our revenues and expenses by segment to major income statement line items for the nine-month periods ended September 30, 2012 and 2011. Additionally, a table in that note, Analysis of Profitability by Segment, provides a summary of the profitability measures that demonstrates year-to-year comparability and reconciles those measures to our net income. That summary represents our overall operations in the manner that management views the business, and is a basis of the following highlights discussion.
A discussion of operations by each segment follows later in this report. These discussions compare the first nine months of 2012 with the same period of 2011, unless otherwise noted. The following discussions are presented in the manner we view our operations, as described in Note G-Business Segments.
Highlights, comparing the first nine months of 2012 with the first nine months of 2011. Net income per diluted share increased 15% to $3.84 from $3.33. Included in net income in 2012 were realized investment gains of approximately $11 million after tax, or $.11 per share compared with $14 million or $.12 per share in 2011. Realized investment gains and losses are presented more fully under the caption Realized Gains and Losses in this report. Earnings in 2011 were also negatively affected by two non-operating charges, a charge for a state administrative matter in the estimated after tax amount of $3.9 million ($.03 per share) and the loss on sale of aviation equipment of $636 thousand after tax ($.01 per share).
We use three statistical measures as indicators of future premium growth:
"annualized premium in force," "net sales," and "first-year collected premium." Annualized premium in force is defined as the premium income that would be received over the following twelve months at any given date on all active policies if those policies remain in force throughout the twelve-month period. Annualized premium in force is an indicator of potential growth in premium revenue. Net sales is defined as annualized premium issued, net of cancellations in the first thirty days after issue, except for Direct Response, where net sales is annualized premium issued at the time the first full premium is paid after any introductory offer has expired. Annualized premium issued is the gross premium that would be received during the policies' first year in force,
assuming that none of the policies lapsed or terminated. Although lapses and terminations will occur, we believe that net sales is a useful indicator of the rate of acceleration of premium growth. First-year collected premium is the premium collected during the reporting period for all policies in their first policy year. First-year collected premium takes lapses into account in the first policy year when lapses are more likely to occur, and thus is a useful indicator of how much new premium is expected to be added to premium income in the future.
Total premium income rose 6% in 2012 to $2.1 billion. Total net sales rose 22% to $372 million. After adjusting for the increased sales of Medicare Part D in 2012, largely caused by the addition of automatic enrollees discussed later in this report, net sales rose 5% to $303 million. First-year collected premium increased 42% to $348 million for the period. Excluding the increase in Part D first-year premium, the increase was 6%.
Life insurance premium income grew 5% to $1.4 billion. Life net sales increased 6% to $260 million, as three of our four distribution units experienced increases. First-year collected life premium rose 6% to $193 million. Life underwriting margins increased 11% to $381 million.
Health insurance premium income, excluding Medicare Part D, declined 5% to $527 million. Health net sales, excluding Part D, were flat at $43 million for the nine months, as a 5% increase in sales of Medicare Supplement policies were offset by declines in sales of limited-benefit health products. First-year collected health premium, excluding Part D, rose 7% to $46 million for the period. Health premium continued to be restrained by the run off of certain health products that we discontinued selling in 2010.
Our Medicare Part D prescription drug business is a component of the health insurance segment. In the manner we view our Medicare Part D business as described in Note G-Business Segments, policyholder premium was $234 million in 2012 compared with $148 million in 2011, an increase of 58%. This increase was due to the addition of a large number of low-income automatic enrollees into our Part D program in 2012.
As explained in Note G-Business Segments, differences in our estimate of interim results for Medicare Part D as we view this product for segment purposes and GAAP financial statement purposes resulted in a $12.3 million after-tax charge to earnings in 2012 ($.12 per share) and a $3.8 million charge in 2011 ($.03 per share). We expect our 2012 full year benefit ratios to be approximately the same as those for interim periods, as was the case in 2011 and prior years. For this reason, there should be no material difference in our segment versus financial statement reporting by year end 2012, as it relates to Medicare Part D. The increase in this adjustment in 2012 resulted from the addition of the automatic enrollees in Part D as noted above.
Excess investment income per diluted share increased 5% over 2011 to $1.83, while excess investment income declined 7% to $181 million. The increase in per share
excess investment income in relation to the decline in dollar amount resulted from the significant number of shares purchased over the past twelve months, as discussed later in this report. Net investment income rose $6 million, or 1%. While our average investment portfolio at amortized cost grew 3%, the average effective yield on the fixed-maturity portfolio, which represented 93% of our investments at amortized cost, decreased to 6.42% in the 2012 period from 6.57% in the prior period. Excess investment income has been negatively affected by the low-interest-rate environment in financial markets during recent periods. Excess investment income declined despite the $6 million increase in net investment income, however, because of the $20 million or 7% increase in required interest on net insurance policy liabilities, as discussed under the caption Investments (excess investment income) later in this report. Financing costs also rose 1% in the period to $59 million.
In the first nine months of 2012, we invested new money in our fixed-maturity portfolio at an effective annual yield on new investments of 4.54%, compared with 5.79% in the same period of 2011. Our fixed maturity portfolio yield was 6.33% (as of September 30, 2012) and the portfolio had an average rating of BBB+. Approximately 94% of the portfolio at amortized cost was investment grade at September 30, 2012. Cash and short-term investments were $685 million at that date, compared with $105 million at December 31, 2011. The buildup in cash was due to the debt issuances in late September, 2012 in anticipation of the acquisition of Family Heritage and the October, 2012 call of our 7.1% Trust Preferreds mentioned above. In addition, we had $484 million proceeds from total security dispositions in the third quarter, including $465 million from securities called, a large portion of which was awaiting reinvestment.
The unrealized gain position in our fixed-maturity portfolio grew during the first nine months of 2012 from a net unrealized gain of $964 million at year end 2011 to a net unrealized gain position of $1.6 billion at September 30, 2012, primarily as a result of lower interest rates. The fixed-maturity portfolio contains no commercial mortgage-backed securities or securities backed by subprime or Alt-A mortgages (loans for which some of the typical documentation was not provided by the borrower). We are not a party to any counterparty risk, with no credit default swaps or other derivative contracts. We do not engage in securities lending, and have no direct exposure to European sovereign debt.
We have an on-going share repurchase program which began in 1986 and was reaffirmed by the Board of Directors at their August, 2012 meeting. With no specified authorization amount, we determine the amount of repurchases based on the amount of our excess cash flow, general market conditions, and other alternative uses. These purchases are made with excess cash flow. Share purchases are also made with the proceeds from option exercises by current and former employees, in order to reduce dilution. The following chart summarizes share purchases for the nine-month periods ended September 30, 2012 and 2011.
Analysis of Share Purchases (Amounts in thousands) For the nine months ended September 30, 2012 2011 Average Average Shares Amount Price Shares Amount Price Purchases with: Excess cash flow 6,635 $ 318,227 $ 47.96 17,238 $ 720,446 $ 41.79 Option exercise proceeds 3,091 147,872 47.84 1,631 70,053 42.94 Total 9,726 $ 466,099 $ 47.92 18,869 $ 790,499 $ 41.89
Throughout the remainder of this discussion, share purchases will only refer to those made from excess cash flow.
A detailed discussion of our operations by component segment follows.
Life insurance, comparing the first nine months of 2012 with the first nine months of 2011. Life insurance is our predominant segment, representing 64% of premium income and 72% of insurance underwriting margin in the first nine months of 2012. In addition, investments supporting the reserves for life business generate the majority of excess investment income attributable to the investment segment. Life insurance premium income increased 5% to $1.4 billion. The following table presents Torchmark's life insurance premium by distribution method.
Life Insurance Premium by Distribution Method (Dollar amounts in thousands) Nine months ended September 30, Increase 2012 2011 (Decrease) % of % of Amount Total Amount Total Amount % American Income Exclusive Agency $ 492,381 36 $ 451,054 35 $ 41,327 9 Direct Response 476,888 35 447,500 34 29,388 7 Liberty National Exclusive Agency 212,552 16 217,560 17 (5,008 ) (2 ) Other Agencies 174,706 13 178,043 14 (3,337 ) (2 ) Total Life Premium $ 1,356,527 100 $ 1,294,157 100 $ 62,370 5
Net sales, defined earlier in this report as an indicator of new business production, rose 6% to $260 million. Three of our four distribution groups had increases in net sales over the prior year period. An analysis of life net sales by distribution group is presented below.
Life Insurance Net Sales by Distribution Method (Dollar amounts in thousands) Nine months ended September 30, Increase 2012 2011 (Decrease) % of % of Amount Total Amount Total Amount % American Income Exclusive Agency $ 119,049 46 $ 105,273 43 $ 13,776 13 Direct Response 109,055 42 103,497 42 5,558 5 Liberty National Exclusive Agency 23,743 9 28,005 12 (4,262 ) (15 ) Other Agencies 8,355 3 7,784 3 571 7 Total Life Net Sales $ 260,202 100 $ 244,559 100 $ 15,643 6
First-year collected life premium, defined earlier in this report, was $193 million in the 2012 period, rising 6%. First-year collected life premium by distribution group is presented in the table below.
Life Insurance First-Year Collected Premium by Distribution Method (Dollar amounts in thousands) Nine months ended September 30, Increase 2012 2011 (Decrease) % of % of Amount Total Amount Total Amount % American Income Exclusive Agency $ 94,031 49 $ 83,972 46 $ 10,059 12 Direct Response 71,755 37 67,495 37 4,260 6 Liberty National Exclusive Agency 20,154 10 24,086 13 (3,932 ) (16 ) Other Agencies 7,136 4 7,153 4 (17 ) 0 Total $ 193,076 100 $ 182,706 100 $ 10,370 6
The American Income Exclusive Agency markets primarily to members of labor unions, but also to credit unions and other associations. This agency is the largest contributor to life premium of any of Torchmark's distribution systems at 36% of Torchmark's total life premium. This group produced premium income of $492 million, an increase of 9%. This agency is also our fastest growing life insurance agency on the basis of premium growth and sales. Net sales rose 13% to $119 million, while first-year collected premium rose 12% to $94 million. Increases in sales in our captive agencies are highly dependent on growth in the size of the agency force. The American Income agent count rose 23% to 5,472 at September 30, 2012 over the prior year (4,448). The count was also up 25% over the count at December 31, 2011 (4,381). The American Income Agency has been focusing on growing and strengthening middle management to support the growth of the agency force.
The Direct Response operation consists of two primary components: insert media and direct mail. Insert media, which targets primarily the adult market, involves placing insurance solicitations as inserts into a variety of media, such as coupon packets, newspapers, bank statements, and billings. Direct mail targets primarily young lower-middle and middle-income households with children. The juvenile life insurance policy is a key product. Not only is the juvenile market an important source of sales, but it also is a vehicle to reach the parents and grandparents of the juvenile policyholders, who are more likely to respond favorably to a Direct Response solicitation for life coverage on themselves than is the general adult population. Also, both the juvenile policyholders and their parents are low acquisition-cost targets for sales of additional coverage over time.
Direct Response's life premium income rose 7% to $477 million, representing 35% of Torchmark's total life premium in 2012. Net sales for this group of $109 million increased 5%. First-year collected premium gained 6% to $72 million.
The Liberty National Exclusive Agency markets primarily life insurance and supplemental health insurance, focusing primarily on middle-income customers. Life premium income for this agency was $213 million in the 2012 period, a 2% decline compared with $218 million in the 2011 period. First-year collected premium declined 16% to $20 million.
Net sales for the Liberty Agency declined 15% to $24 million. However, Liberty's net life sales rose sequentially over each of the past two quarters, increasing 3% over second quarter 2012. Liberty had 1,401 producing agents at September 30, 2012, compared with 1,578 a year earlier, a decline of 11%. However, the agent count has risen 4% since December 31, 2011, when it stood at 1,345, and has risen 3% over the prior quarter. Decreases in agent counts prior to 2012 have had a negative effect on premium growth in this agency. The past declines were due to a number of factors, including the closing of several offices which had poor production as well as certain agent compensation issues which resulted in the departure of a number of the less productive agents. While these factors caused a loss of agents, they have resulted in improved persistency and margins, and have contributed to Torchmark's overall improvement in life insurance margins. Additionally, we have changed the cost structure of this agency to a more commission-driven model, which we believe will also increase the profitability of new sales.
The Other Agencies distribution systems offering life insurance include the Military Agency, the UA Independent Agency (which predominantly writes health insurance), and various smaller distribution channels. The Other Agencies distribution group contributed $175 million of life premium income, or 13% of Torchmark's total in the 2012 period, but contributed only 3% of net sales.
Life Insurance Summary of Results (Dollar amounts in thousands) Nine months ended September 30, 2012 2011 Increase % of % of Amount Premium Amount Premium Amount % Premium and policy charges $ 1,356,527 100 $ 1,294,157 100 $ 62,370 5 Net policy obligations 518,863 38 494,906 38 23,957 5 Commissions and acquisition expense * 457,075 34 456,039 35 1,036 0 Insurance underwriting income before other income and administrative expense $ 380,589 28 $ 343,212 27 $ 37,377 11
* 2011 expense has been retrospectively adjusted as a result of the adoption of new accounting guidance as described in Note F - Adoption of New Accounting Standard. The restatement resulted in a reduction in the amortization of acquisition expense of $38 million and the addition of non-deferred acquisition expense of $60 million, for a net reduction in margin of $22 million in 2011.
Reported margins for our life insurance business have been negatively affected by the adopted accounting rule described in Note F which was adopted for all periods presented and has the effect of delaying the recognition of profitability on our insurance products. The recognition is delayed because we are no longer allowed to capitalize certain acquisition costs which were deferrable under previous accounting guidance. These costs that we no longer defer are included in the chart above under the caption "Commissions and acquisition expense" and were $42 million in 2012 and $60 million in 2011. While the recognition of profits is now delayed, ultimate profitability on our business is not affected by the change in accounting.
Life insurance underwriting income before insurance administrative expense was $381 million, increasing 11%. As a percentage of premium, underwriting income rose from 27% to 28% in 2012. Growth in underwriting income was caused partially by premium growth but also by reductions in certain acquisition expenses.
In 2011, we implemented several initiatives designed to further improve life insurance lapse ratios. This program has been very successful and has continued to grow. We anticipate that it will conserve approximately $31 million of additional annualized life premium during 2012.
Health insurance, comparing the first nine months of 2012 with the first nine months of 2011. Health premium accounted for 36% of our total premium in the 2012 period, while the health underwriting margin accounted for 27% of total underwriting margin, reflective of the lower underwriting margin as a percent of premium for health compared with life insurance. Health insurance sold by Torchmark includes
primarily Medicare Supplement and Medicare Part D prescription drug coverage to enrollees in the federal Medicare program, along with limited-benefit cancer and accident coverage. All health coverage plans other than Medicare Supplement and Medicare Part D are classified here as limited-benefit plans. Medicare Part D business is shown as a separate health component and will be discussed separately in the analysis of the health segment.
As explained in Note G-Business Segments, management does not view the government risk-sharing premium for Medicare Part D as a component of premium income. Excluding this risk-sharing premium, health insurance premium for the 2012 period was $761 million, increasing 8%. A reconciliation between segment reporting for Medicare Part D and GAAP is presented in the chart in Note G-Business Segments, and those differences are fully discussed in that note.
The table below is an analysis of our health premium by distribution method.
Nine months ended September 30, Increase 2012 2011 (Decrease) % of % of Amount Total Amount Total Amount % . . .


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Tanker 910 makes a retardant drop Yarnell Hill Fire to help protect the Double Bar A Ranch near Peeples Valley, Ariz., Sunday, June 30, 2013. The fire started Friday and picked up momentum as the area experienced high temperatures, low humidity and windy conditions. It has forced the evacuation of residents in the Peeples Valley area and in the town of Yarnell. (AP Photo/The Arizona Republic, Tom Story)

subset: commoncrawl


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The Civil War
The Civil War Primary Sources
Historical documents. What clues can you gather about the time, place, players, and culture?
Abraham Lincoln's 1858 speech to the Illinois Republican Convention that nominated him for a seat on the United States Senate is available here. This speech is known as the "House Divided Speech" because Lincoln used that phrase to express his views about the coming crisis between the North and the South.
The text of the Thirteenth Amendment to the United States Constitution, which abolished slavery.
Abraham Lincoln's address to Congress, 4 July 1861, in which he called for huge numbers of troops to fight the war.
Abraham Lincoln's proclamation that suspended the writ of habeas corpus, September 24, 1862.
Chief Justice Roger Taney's (the same judge who presided over the Dred Scott Case) ruling in Ex parte Merryman, which stated that Lincoln's suspension of habeas corpus was illegal.


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So, Montgomery gets 46 months. Graham is going to be facing prison time, and now Maurice Greene is denying doping.
Marion Jones is in jail, and we continue to wonder who else is doping.
I would say, based on my experience in the sport over the last 20 years, A LOT OF PEOPLE. Some you would never expect.
Check out the latest discussions, and tell me what you think:
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- Report: #102508
Report - Rebuttal - Arbitrate
Complaint Review: Us Bankcorp - Norvergence
Us Bankcorp - Norvergence1310 Madrid Street Marshall, Minnesota U.S.A.
Us Bankcorp - Norvergence ripoff matrix lease that cannot provide use or service Marshall Minnesota
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Should I worry about hormones in my food?
No. Supplemental, or artificial hormones, are FDA regulated and are safe
Organic food and non-organic food all contain natural hormones:
- Hormones are necessary for the growth of plants and animals
Some farmers use supplemental hormones:
- Increases production while reducing carbon footprint
- Less feed is needed
- Less waste is produced
- Growth hormones are not allowed in pigs or poultry
Amy Hansmann
River Forest, ILFull Profile
About me
I'm an active, educated, stay-at-home mom who takes an interest in providing healthy food to my family. I'm a regular volunteer at the Oak Park River Forest Food Pantry.
About my family
Our family recently expanded with the addition of another son. We now have two boys, 4-year old Keith, and 8-month old Kyle. My whole family loves to sail, and we enjoy the summer season on the water.
Why I'm touring farms
I'm concerned about the use of chemicals in farming and how they may affect our health. As for animal products, I am concerned about overall treatment of the animals, drugs used and cleanliness. I am not happy with the increasing amount of processed foods available and look for healthier options. I cook at home most nights of the week, and I'm excited to see for myself what happens on Illinois farms.
What I hope to see on the farms
I am most interested in those that raise livestock. I hope to see the way they live, the care they receive and the life cycle on the farm. I am also interested in the science used to combat pests or ailments both with livestock and with crops.
From a Mom
I was relieved to get a little more information on the use of hormones in our meat and dairy.
I think the idea of hormone use gets a bad reputation because honestly it makes you think that cows are being grown to unhealthy proportions, like steroid use in athletes. I learned that some cows are given hormones to improve their daily weight gain (or improve their milk production for Dairy Cows). This is important because it speeds the time to market, therefore reducing production costs and retail cost to the consumer. It also is worth mentioning that there is a related environmental impact of having the cows take longer to market; more grain to grow for feed and more waste to dispose of, in simplistic terms. There is a slight increase in the estrogen levels presented in the beef treated with hormones, but it appears to be such a small amount that to me it is almost insignificant. In treated beef the amount in a serving of beef is 1.9 nanograms. A nanogram is one billionth of a gram so this amount is very small. But what makes it even less significant to me is that untreated beef for the same size serving still has 1.3 nanograms. So without even comparing beef to a vegetable like cabbage that has naturally occurring estrogen, the amount in discussion is only .6 nanograms. Literally this takes me into math that has too many zeros for me really to understand! I think my concern over things being added to my food is probably better spent on preservatives, chemicals, or fats that I know are not good for me.
Carrie Pollard
Rockford, ILFull Profile
From a Farmer
All mammals (that includes you, me, as well as the cows and pigs) produce hormones in our bodies. It is part of how our bodies work. That means that things that come from those bodies will contain hormones. They are broken down by our body, just like other things we eat. Just remember to keep things in perspective, vegetables contain hormones too. So, whatever your fancy, you will always get a nutritious, good-for-you glass no matter what jug it is out of. The pick at our house is "Mixed Milk," a white skim and chocolate (1 or 2%) mix, served alongside pork tenderloin!
Christa Grabske
Mount Prospect, ILFull Profile
About Me
I lived in a rural Illinois town for 11 years while teaching there. My class enjoyed learning experiences offered by the DeKalb County Farm Bureau. Now, I'm a preschool teacher in the Chicago suburbs where I live with my husband and two children.
Why I'm touring farms
My farm experiences are limited to hayrides at pumpkin farms. I'd like to spend time on an Illinois farm to find out if family farms still exist and see how important they are to our society. As a mom, I want to know what's in our meat and dairy products.
From a Mom
I was so relieved to find out that our meats do not contain antibiotics, ever! Chicken and pork have no added hormones, and beef has a very small amount-much smaller than the naturally occurring hormones in the plants we eat!
Genevieve O'Keefe
Grayslake, ILFull Profile
About Me
Growing up on the near north side of Chicago, I imagined farms as far-off mythical places of no relevance to me. Now I've come to realize that agriculture is a necessary part of our economic landscape. Two of my children are homeschoolers, which means lots of hands-on learning and field trips. Some of my favorites include wildlife restoration days at our local forest preserve and visiting Chicago museums.
Why I'm touring farms
I want to help others experience the relevance of farming in their daily lives. Some of us only get to see the farm as the product of its work, so I really want to understand more about what life is like for farm families, and how alike or different we might be.
From a Mom
The amount of hormones in meat is negligible compared to other products like birth control pills. Hormones help the animals to stay healthy.
Our beef supply is safe and there are many ways to prepare meat economically for our families.
Jennifer Weiss
Chicago, ILFull Profile
About me
I grew up in Kentucky, and I would love to reconnect with my agricultural heritage and really learn the "ins and outs" of how our food goes from raw materials to finished product at
our stores.
About my family
My husband and I have two sons, 3-year old Cameron, and 1-year old Michael. We play trains together, go to the park, and attend and serve in our church. Every evening, I usually make a meal from scratch, including meat, fresh vegetables and grains.
Why I'm touring farms
I have concerns about the misinformation out there, and whether there is any truth to claims about food additives, antibiotics/hormones, and the organic vs. ordinary debate. I'm interested in knowing where our food comes from, and I want to help set the record straight by listening to the facts straight from the farmers, instead of all the hearsay about how our food is grown, processed and prepared.
What she hopes to see on the farms
I am excited to see how the animals grow, how our food is grown, the different aspects of farm life, and learning about the common goals and values we share – as city folk and country folk – as we love and nurture our families.
From a Mom
The amount of phytoestrogen in a steer is way, way, millions of nanograms less than even a baked potato! Kinda throws the whole "hormones are horrible" argument in the face of the arguers.
Pilar Clark
Lisle, ILFull Profile
About me
I'm a long-time writer and social media strategist and work-at-home mom who understands the need for balance and the difficulty of achieving it in everyday life. Seeing my children thrive and grow is like basking in sunshine.
About my family
We're a relatively traditional suburban clan, made up of two parents and two children, a 5-year old and a 2-year old. Our family likes to spend time at the local zoos and museums and the beach during the summer, and we look forward to taking our children abroad when they're older to explore their multicultural roots.
Why I'm touring farms
I often wonder who cultivates and raises the foods found in our fridge. What kind of farms does our food come from? What kinds of fertilizers, pest control and hormones are used? Who are the people involved and what are their own family food traditions? Knowing how things go from farm to fridge and hearing from the folks who are deeply vested in their farming traditions would be amazing.
How I was inspired about food
I remember eating together as a family, and loved seeing my mom and granny making dinner even though both also worked. It inspired me to start experimenting in the kitchen at a young age with the knowledge that a love of cooking and career could go hand in hand.
From a Mom
You would have to eat 2,900 lbs. of (hormone) implanted steer to equal the amount of hormones in birth control pills (example: Beef from a steer treated with estrogen contains 1.9 nanograms – a billionth of a gram – while a girl prior to puberty has 54,000 nanograms of estrogen naturally occurring in her system).


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ABN Amro just announced gold depositors will no longer be able to remove "their gold." If they cash out, they will be paid in cash, at the bid. That's because NONE of the folks that claim they own gold really have it free and clear!
Paper gold is NON-GOLD. And when you want it and need it most you will not be able to get it. If you are lucky, and it is not completely stolen, you can MAYBE recover some in BK proceedings.
The other benefit of physical is that not only do you ACTUALLY OWN IT, you don't have to pay taxes on it, unless you want too LOLOL
Sentiment: Strong Sell


text: Guess the Celebrity Sideboob Who doesn't love a little sideboob? Photos: Getty Images Tweet Gwyneth Paltrow <p> (Photo by Dimitrios Kambouris/Getty Images) Kate Upton <p> (Photo by Frazer Harrison/Getty Images for Beach Bunny) Lindsay Lohan <p> (Photo by Stephen Lovekin/Getty Images) Miley Cyrus <p> (Photo by Jason Merritt/Getty Images) Emma Watson <p> (Photo by Stephen Lovekin/Getty Images) Rosie Huntington-Whitley <p> (Photo by Kevin Winter/Getty Images) Jessica Biel <p> (Photo by ROBYN BECK/AFP/Getty Images) Jennifer Lopez <p> (Photo by David Livingston/Getty Images) Michelle Dockery <p> (Photo by Jason Kempin/Getty Images) Skylar Grey <p> (Photo by Jason Merritt/Getty Images) Ariel Meredith <p> (Photo by Michael Loccisano/Getty Images for Sports Illustrated) Nicole Richie <p> (Photo by Andrew H. Walker/Getty Images) Amber Heard <p> (Photo by Kevin Winter/Getty Images) Jennifer Lawrence <p> (Photo by Vittorio Zunino Celotto/Getty Images) Jennifer Lawrence AGAIN! <p> (Photo by Pascal Le Segretain/Getty Images) Mila Kunis <p> (Photo Credit: JEWEL SAMAD/AFP/Getty Images) Kelly Rowland <p> Photo: March 2, 2014/Getty Images Katy Perry <p> (Photo by Larry Busacca/Getty Images for Sony Music Entertainment) Photo 1 of 1


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|Apply | Register | Check Email | Use Online Tools
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During this mandatory orientation session you will have the opportunity to:
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This is part two of of a two part blog series. If you haven't yet, we recommend you read Part One of his blog post series. In part 2, Jason Hahn describes his day with Esther, a kind-hearted Community Knowledge Worker (CKW), as she asks farmers to register for the CKW program, where they will be able to use smartphones to access CKW Search to access information about the current market prices for crops as well as ask questions about best farming practices.
After setting up my tent in her well-kept yard, I headed out with Esther on her afternoon round to register farmers for the Community Knowledge Worker (CKW) program. Registering farmers allows us to track how frequently they use our services and see if they change their farming practices based on the information we provide. Part of the registration also involves conducting a baseline poverty survey. We can use the baseline data to see whether or not farmers we are working with are moving out of poverty.


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Died: 1594 AD
Categories: Cartographer
1512 – Born in the Flemish town of Rupelmonde on the 5th of March. 1552 – He lived in Duisburg. 1535-1536 – They worked together to construct a terrestrial globe, although the role of Mercator in the project was not primarily as a cartographer, but as a highly skilled engraver of brass plates. 1537 – Mercator's own independent map-making only began when he produced a map of Palestine. 1552 – He moved to Duisburg, one of the major cities in the German Duchy of Cleves. 1564 – He taught mathematics at the academic college of Duisburg. After producing several maps he was appointed Court Cosmographer to the Duke Wilhelm of Cleve. 1569 – He constructed a new chart and first used it had parallel lines of longitude to aid navigation by sea, as compass courses could be marked as straight lines. 1570 – He took the word atlas to describe a collection of maps, and encouraged Abraham Ortelius to compile the first modern world atlas, Theatrum Orbis Terrarum. 1578 – He produced his own atlas in a number of parts, the first of which was published and consisted of corrected versions of the maps of Ptolemy 1594 – Died on the 2nd of December.


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The sys admin's daily grind – Raspberry Pi
Easy as Pi
It's probably not a coincidence that a number of people want to write about the muchlauded Raspberry Pi single-board computer, and our regular columnist Charly isn't going to blow raspberries.
The Raspberry Pi [1] grew on a vine sponsored by a British foundation. The intent was to create a low-budget, single-board computer to reduce the cost of computer science lessons at schools. The inventor estimated that a low four-figure number of Raspberries would be needed to break even, but this was way off the mark – the demand is huge. For around US$ 35 (UK£ 22, EUR 25) plus taxes, shipping, and handling, consumers receive an ARM minicomputer with 256MB of RAM – if you can get one that is. I waited more than three months for my Raspberry (Figure 1), and I was lucky – I'm told that pre-orders are well into the millions.
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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
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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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Definition of Hughes, Ted in English:
Hughes, Ted
(1930–98), English poet; full name Edward James Hughes. His vision of the natural world as a place of violence, terror, and beauty pervades his work. He was appointed Poet Laureate in 1984. Hughes was married to Sylvia Plath.
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Beware Obama's green gremlins
Stephens Media
If it's not one thing, it's another with the Obama administration.
It lied to us about ObamaCare ("Yes, it's cheaper, better and you can keep your doctor").
It lied to us about Benghazi ("We did everything we could").
It lied to us about using drones to spy over U.S. soil ("No, no, no. Yes — but infrequently").
It lied to us about NSA snooping ("We never spy on citizens, unless you consider the real-time scanning of everyone's email spying").
For whatever good might be said about the Age of Obama, its legacy will be secrecy, fumbling and dissembling, and its failure to man up and take responsibility for its own actions.
Obama said this would be the most transparent presidency ever, but when it comes to openness, even the Nixon crew may have this gang beat.
Long gone is the fantasy of Obama being "The One" who would lead us all into enlightenment on race, war and climate change. This administration is doing what all administrations do when democracy and leadership turn against it: ram its agenda home through bureaucratic fiat and executive order.
For example, consider this cloaked agenda that, unfortunately, is getting little attention but will touch the lives of every American. The radical green gremlins on Team Obama are quietly changing regulations to make traditional energy producers look bad and green energy schemes look incredibly good.
Here's how: Obama minions have embedded within the federal bureaucracy a new formula for quantifying what they call the "social cost of carbon."
The calculation is little more than a witch-doctor stab in the dark. This is a calculation more for the purpose of creating a political number that can put a regulatory hammer to fossil fuel energy producers. In other words, if you'd like your cooling and heating bills to double, your truck legislated out of existence and the pleasure of filling up at $9 a gallon, this is how the wide-eyed green weenies in the Obama administration plan to bring it to you.
The American people first saw the "social cost of carbon" number in a little-noticed Energy Department rule that boosted efficiency standards for microwave ovens.
Rep. Duncan Hunter, R-Calif., has introduced legislation to prevent secret adjustments to the "social cost of carbon" calculations. The Obama folks changed the cost from $23.80 a metric ton in 2015 to $38.
Why $38? Nobody knows. Some say that, scientifically, it's difficult to arrive at a number greater than $5 a ton. And still others say the whole idea is one taco short of a combination plate.
Whatever you may think about the exact number, "Tucking the latest carbon calculation in a little noticed rule on microwave ovens is suspect to say the least," said Hunter. "But how that calculation will be used in a cost-benefit analysis going forward absolutely matters."
And that's the key to understanding what Obama is trying to do. By putting a cost on carbon, and then putting that cost on a sliding scale upward, it puts future developments, like coal-fired power plants and the Keystone XL pipeline, behind a giant eight ball.
It will allow President Obama to say what he said two weeks ago about the Keystone pipeline. If the pipeline doesn't "significantly increase" emissions of greenhouse cases, he says he'll be happy to approve it. But if it is bad for the economy (and, believe me, using his new "social cost of carbon" calculation, it will be "bad"), he'll kill it on environmental grounds and economic grounds.
Like so many things with this administration, the "social cost of carbon" idea needs transparency and vigorous discussion. Unless, of course, you are one of those Obama green gremlins who, despise cheap fossil-fuel energy, hate people who drive big-dog pickups and think the solution to America's energy policy is $9-per-gallon gasoline.
Sherman Frederick is former editor of the Tribune-Herald and former publisher of the Las Vegas Review-Journal.
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04 February 2016Holbeck Bowling Club � proudly sponsored by Samuel Grant Packaging
Here at Samuel Grant Packaging we love supporting local teams. Holbeck Bowling are just one, and we have proudly sponsored them for the last three years. During this time we have bought them team shirts and paid their team fees.Read Full Post


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Lowell Thomas introduces apg-exp, a library that uses the ABNF pattern syntax to create readable, composable sets of rules for validating data.
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20+ Docs and Guides for Front-end Developers (No. 9)
Louis Lazaris has another installment of our docs and guides series. This post includes learning resources for JavaScript, Angular, CSS, and lots more.
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Testing Your Tests? Who Watches the Watchmen?
We use tests to test our code. But... how do we test our tests? Let's take a look at Humbug: a mutation testing framework!
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Many entrepreneurs say they can't find time for exercise, but it's essential to being able to work both smart and hard. Here are several ways to fit it in.
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App development needs great design but there is a disconnect between design and code. Now Paintcode turns Sketch into an iOS app UI development tool.
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Automate Docker with the Remote API and Ruby
Ardian Haxha demonstrates how to use the Docker Remote API and Ruby to perform Docker tasks like image and container creation.
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Cleaning up Code: Is Refactoring for Aesthetics worth It?
Tobias looks at the process of refactoring code to make it cleaner - more readable, more intuitive. Do you think it's worth the time and effort?
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WordPress security is often an area in WordPress left neglected or done incorrectly. Read our recap with Chris Burgess in our WordPress security webinar.
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Web Dev @ Microsoft
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Daniel Schwarz talks about seven important factors to keep in mind when planning your home office design and habits.


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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.).
EEEL Sponsors INTEL VP's Visit to NIST
For Immediate Release: March 23, 2010
David G. Seiler
Dr. Michael C. Mayberry, Vice President of the Technology and Manufacturing Group and Director of Components Research at INTEL Corporation, visited NIST in March to give a presentation and to learn about NIST and its work with the semiconductor industry. Dr. Mayberry's talk, entitled "Emerging Technologies and Moore's Law: Prospects for the Future," was well attended and is available to view on-line.


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The first and only high-performance parallel data protocol for the Apple® Mac® platform
Panasas® ActiveStor® is the world's only hybrid scale-out NAS solution designed to accelerate industry and research applications. ActiveStor is easy to manage regardless of scale. Based on an advanced bladed architecture, tightly integrated Panasas PanFS® storage operating system, and the DirectFlow® parallel data access protocol, ActiveStor accelerates applications while delivering the reliability demanded by industry and research organizations in the energy, government, life sciences, manufacturing, media & entertainment as well as university environments.
The ActiveStor hybrid scale-out NAS architecture combines high density and exceptional throughput (GB/s) with accelerated IOPs performance. Large files are kept on high capacity SATA drives while SSD technology is leveraged to accelerate small file and metadata performance for speed and file system responsiveness. All ActiveStor platforms are performance-tuned for large file, small file, and mixed file workloads at an affordable price. ActiveStor models offer excellent investment protection, increased storage utilization rates and simplified management at an affordable price. As a result, ActiveStor delivers an attractive total cost of ownership while fully addressing the requirements of even the most I/O intensive computing applications.
81% of organizations are likely to recommend Panasas ActiveStor.*
*Based on respondents who rated their likelihood to recommend as 7 or higher on a scale of 0 to 10.
Source: Survey of 116 users
How much has Panasas storage improved your workflow productivity?
Source: Survey of 52 users of Panasas ActiveStor


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I called yesterday and spoke with a midwife. I think I've found the perfect scenario for my family. The practice includes an OB that I'll meet with during my pregnancy, so that I'll be familiar with him should I need medical intervention. They deliver at a NCB-friendly hospital, which is ideal for me...I'm actually more relaxed knowing that if something should go wrong, I'm already in the right location. The midwife actually said, "You can birth on your head is you want. We let you birth anyway you'd like, as long as it's safe." Finally! Someone not insisting that I have to be induced at 41 weeks or forcing me to get an episiotomy.
I'm so excited that I'm taking another step to ensure a NCB! I'm also excited that DH is on board and understands my POV. He was hesitant about using a midwife, but he had some outdated notions about what a midwife was. Thanks to the "business of being born" he's a lot more comfortable with these decisions.
I feel like my eyes have been opened to a whole new set of options that I would've loved to have had available when I was PG with DD 4.5 years ago. Yeah!!!!


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Moses defends Mikel over Europa sledge
Moses defends Mikel over Europa sledge
FOOTBALL: Premier League: Fact of the Day
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Ahead of this week's round of fixtures we look at what forward has not scored in the month of August.
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Fact of the day - Prolific Borriello turns it up to 11
Marco Borriello scored his first goal in a Cagliari shirt against former team Genoa - meaning the striker has now found the net at least once with each of the 11 Italian teams he's played for.
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Manchester United have had a very kind draw. Shakhtar have been a very good Champions League team in the past few years, but compare what they had in the group stage last year to what they've got now: they've lost their three best players. That simply has to hurt, and I think they'll struggle.
Leverkusen have had a good start to the season, but with German football there's no getting away from the fact that the top two teams are very, very good and the rest have a long way to go to catch up. I don't think United will have any trouble with that. The same goes for Real Sociedad's place in Spanish football too.
That said, there is little bit of danger for United in that if they lose a couple of away games early on then they could find themselves in trouble. They used to be a team you'd confidently expect to make the Champions League semi-finals year-in, year-out, but they're just not at that level any more.
Manchester City fans might be tempted to bemoan their bad luck in drawing Bayern Munich, but the fact is that their luck is self-inflicted. They've had two years in the Champions League to win enough games to have been seeded higher by now, but the fact is that their European campaigns have been an absolute disaster. There's no other way of putting it. Okay, their groups have been tough, but it's still of their own doing.
That said, I like Manuel Pellegrini, and he knows what he's going. He'll have a European playing style that will be different to his Premier League approach, and that will help them - and it better, because they HAVE to go through.
I'm not saying Pellegrini will get fired if they don't make it out of the group stage - City seem to have settled on a man who brings a lot of calmness to the role and I think they're determined to stick with him - but after two years of failing it just can't happen again. City need to be up with the likes of Barcelona, Real Madrid and Bayern Munich with the money they've spent, and it should be their time.
The Bayern clash almost speaks for itself, but Viktoria Plzen will be an interesting one. They're a new team who've come from nowhere, but they'll be a handful and will go all out to make it an open and entertaining game. As for CSKA Moscow? Well, it's no small achievement to be the best team in Russia, but in all honesty City should be better.
Chelsea have drawn three solid European teams in Schalke, Basel and Steaua Bucharest, but they're no more than that. Schalke are a shadow of what they were a few years ago, while the other two sides are also at least a level or two below.
They're a banker to win the group, simple as that; it can't be any other way. I don't see any danger to them whatsoever, even complacency.
It'll be very different for Arsenal. I'm not generally a fan of French teams in Europe - though the money that PSG and Monaco have spent might change that soon - and Marseille seem set to finish bottom of the group.
Borussia Dortmund, on the other hand, are very strong, and they play every game to win. Arsenal won't beat them in either game; I'm not saying they'll lose both, but they won't get three points off them.
With Rafa Benitez at the helm Napoli will be very tough too. You can say what you like about him, but he has a wealth of experience in the English game, and if you were ever to need a coach to give a tactical masterclass in European football, he's your man.
Some people chuckled and said "poor old Celtic" when the Scottish champions drew Barcelona, AC Milan and Ajax, but I don't agree at all. They'll know as well as anyone that getting through the group stage last year was a one-off, and if you're a team with no chance of winning the competition then why wouldn't you be delighted to be in a group like that?
Parkhead will be rocking for all the home games, and the fans will travel in their thousands to those three wonderful European cities. Celtic will have a whale of a time and enjoy three great away nights - and then finish bottom of the group!
Well, they probably will at least, but you really never know. Celtic will be playing free of all expectations and they might have a chance of getting something off AC Milan, who aren't the European powerhouse they used to be. And even more so Ajax: they have been a fabulous European side in the past but they've really been struggling to compete financially in recent years, and yet again this summer they're being forced to offload their best players. Celtic are up against it, but they'll have a chance of at least finishing third and grabbing a Europa League spot.
As for the rest of the draw, the one that really jumps out is Real Madrid and Juventus drawing each other in group B. Depsite their two titles in Italy Juventus still have a little way to go before they're back up at the level of the best sides in Europe, but the Real-Juve matches will be great games and could be classics.
Then there's Galatasaray in the group as well. Their homes ties are guaranteed to be great games with amazing - and intimidating - atmospheres, and none of the other clubs will want to go to Turkey. But the issue I have is that Turkish teams never seem to go away from home and win, and that's what you need to do to get out of the groups. You never know though: maybe this time, with the likes of Wesley Sneijder having joined, this could be their year to put that right.
- Soccer
- Sports & Recreation
- Bayern Munich
- Manchester United
- Real Madrid


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StartUpHire is the place to find Risk-Team,-Software-Engineer jobs in and near . Review the list below of Risk-Team,-Software-Engineer jobs. These Risk-Team,-Software-Engineer jobs represent some of the most rewarding careers available. You can refine your job search for Risk-Team,-Software-Engineer jobs in by adding a job title, company name, or keyword to the search box above … or click the "Advanced Search" link for more options. Don't see the employment opportunity you're looking for? Check back soon for more Risk-Team,-Software-Engineer jobs in , or sign up for an email alert (link in upper left) to receive periodic updates on new Risk-Team,-Software-Engineer jobs in , .
We're looking for an Information Assurance Engineer to join a top-notch group supporting world class science and technology at the U.S. Naval Research Laboratory (NRL). Zurka Interactive is expanding our team at NRL in Washington DC.8/22/2016 Washington, DC Save This Job
HyTrust is seeking a Senior User Interface Engineer to lead the technical vision and execution of the customer experience across two of our flagship products.8/4/2016 Mountain View, CA Save This Job
The Security Engineer provides cyber security expertise by developing and architecting security solutions that enhances Carbon Black's cloud services security posture. Additionally, the Security Engineer assists in developing cyber security req8/30/2016 Waltham, MA Save This Job
Location:Boston, MA Job Code:705 # of Openings:2 Description Security Engineer DataXu?s vision is to make marketing better using data science. The world?s top brands and agencies partner with DataXu to better understand and engage their customers across all available media7/13/2016 Boston, MA Save This Job
Skybox Security is looking for multiple sales engineers to be part of our fast-growing sales organization. The positions will support technical sales activities for Chicago, Dallas, New York and Boston areas. 2015 was a banner year for the company, and continued a longer trend of7/24/2016 San Jose, CA Save This Job
Full-Time ? San Francisco Our Security teams support the unwritten fourth tenet of Slack?s mission: make people?s working lives more secure. We?re serious about protecting our infrastructure, operations, and most importantly, our customers? data. We take a systemic approach to7/11/2016 San Francisco, CA Save This Job
Department: Product Operations Location: Kirkland, WA Job Type: Contract Responsibilities: Tier 3 technical support engineering representative including covering non-office hours (including evenings/overnight and at least two weekends a month). Engage directly with7/10/2016 Kirkland, WA Save This Job
San Francisco We pride ourselves in the great customer experience we provide, and that means apps that are speedy and available. This is even more important as we grow the number of customers we have, size of our development team, and platforms we support. We're looking for8/23/2016 San Francisco, CA Save This Job
Reports to: Security Operations Manager Department: Operations Location: Austin Texas Job Type: Full Time, Exempt Last Updated: 5 July 2016 Summary ClearDATA is looking for a Security Engineer to insure our current hosted offerings are implemented with the highest security7/23/2016 Austin, TX Save This Job
SAN FRANCISCO Plastiq (pronounced "Plastic") is a fast-growing tech company changing the landscape of payments, empowering you to use your cards everywhere cards aren?t accepted. Starting with a vision to drive new payment choice for tuition, Plastiq has evolved into a service7/24/2016 San Francisco, CA Save This Job
IT APPLY FOR THIS JOB! Positions1Close Date8/1/2016LocationNew York City Primary responsibilities: Act as a liaison between the Information Technology Team (IT) and the Information Security (InfoSec team). Develop and implement security practices and procedures in cooperation7/14/2016 New York, NY Save This Job
New York, NYFull-time Company Description Smaato is the global real-time advertising platform for mobile publishers and app developers. Smaato runs the world?s largest independent mobile ad exchange and has been pioneering innovative, mobile-first solutions for publishers since6/28/2016 New York, NY Save This Job
Integral Ad Science is the leading global media valuation company in the ad tech space. Integral provides buyers and sellers of digital media with data that is actionable in real time, to quantify the quality of every online ad event. We operate at a scale that is matched only by8/5/2016 New York, NY Save This Job
? Location: Cambridge, MA, US ? Department: Product Management/Customer Operations Job Description: Are you passionate about helping customers? Do you enjoy digging into issues and explaining your findings? If so, you?ll fit right in at BitSight. BitSight is a fast growing SaaS7/11/2016 Cambridge, MA Save This Job
DEPARTMENT Engineering CITY Los Angeles, CA TYPE Full-Time What you?ll do As a Senior Product Quality Engineer you will be responsible for driving the execution of quality goals and objectives with a strong emphasis on New Product Introduction (NPI). The ability to leverage7/23/2016 Los Angeles, CA Save This Job
Venice Snapchat is looking for a talented and well-reasoned security engineer to help strengthen all facets of our security program. The ideal candidate will leverage strong technical skills and proven industry security experience to better protect our corporate and production7/31/2016 Venice, CA Save This Job
Date Posted July 22, 2016 Technical Program Lead / Principal Process and Product Commercialization Engineer Honest Tea, the nation?s top-selling organic beverage company, is looking for the right person to help take the company to new levels of growth, and join our mission to8/13/2016 Bethesda, MD Save This Job
SAN MATEO, CA JOB DESCRIPTION The Playphone team is looking for Senior QA lead, who can be in charge of our growing QA team working across mobile and web platforms. Responsibilities will include: ?Manage QA engineers working on various Playphone products ?Manage the overall7/31/2016 San Mateo, CA Save This Job


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White Mills
Terri Spencer, 862-4604
Irene Dodson, 862-3808
As I write this and look outside, I see a very dreary cloudy, chilly day and the weatherman says there will be inches of snow Wednesday morning in some places. I guess some will be happy to see, and get a day off from school and have fun playing in the snow. Personally, I am looking forward to the warm sunny days that can't be too far off.
Gail Pike, 737-2973
BIRTHDAYS. This week's birthdays include Jordan Skeeters, Tommy Adams, Russ Salvia, Leon Hatchett, Donna Osterhage, Danny Shanks, Chelsea Kenny, Elaine Ogletree, Jeremy Yates, Bernie Lucas, Jill Ray, Kathy Marcum, Joshua Cline, Edna Brangers, Tyler Nall, Bert Brown, George Filyaw, Trevor VanderMolen, Paul Taylor, Zach Wiseman, Tim Ray, Kevin Hardman, Betty Lyon and Kyra Cecil.
Betty Pullen, 862-4844
Hello friends. As always, I hope everyone is doing well. I know I am feeling much better knowing spring is just around the corner. I am seeing more spring-like birds and once in a while I hear a spring song, well maybe a chorus. But it's good to hear the sounds of spring coming.
Paula Cooper Spilman and Docky Keith Ousley, both of Vine Grove, were married Feb. 14, 2013, at The Wedding Chapel, Mandalay Bay Hotel in Las Vegas by the Rev. Rudy Aquilla.
The bride is the daughter of Rose Hunt Cooper of Radcliff and Buddy and Janet Cooper of Elizabethtown.
The groom is the son of Brenda Moore Ousley of Elizabethtown and the late Columbus Ousley.
The couple will reside in Vine Grove.
HATTON. Marine Corps Pvt. Christopher J. Hatton, son of Tamyra L. Miller of Elizabethtown, graduated from recruit training at Marine Corps Recruit Depot in Parris Island, S. C. Hatton is a 2011 graduate of Hardin County High School.
MAGUIRE. Army Pvt. Kortland Maguire has graduated from basic combat training at Fort Jackson in Columbia, S.C. A 2012 graduate of Meade County High School, he is the son of Crystal and Bud Riedling of Vine Grove.
WOLF. Army Spec. Brian L. Wolf has graduated from basic combat training at Fort Jackson in Columbia, S.C. Wolf is the son of Janette Redeaux of Elizabethtown and Charles Hicks of Baker, La. He earned a bachelor's degree in 2008 from Strayer University in Washington.
HARRINGTON. Marine Corps Pvt. Mason P. Harrington, son of Maureen D. Eynon of Upton, graduated from recruit training at Marine Corps Recruit Depot in Parris Island, S.C. He is a 2012 graduate of Paintsville High School of Prestonsburg.
Copyright © 2016
The News-Enterprise is your source for local news, sports, events and information in Elizabethtown, KY, Hardin County and the surrounding area.


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Website: maltingsberwick.co.uk
Phone: 01289 330999
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Complaint Review: Credit Acceptance ,CAC
Credit Acceptance ,CACwww.cac.com Internet United States of America
Credit Acceptance, CAC Can't get title, Internet
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WE had a vehicle loan through Credit Acceptance Corporation, we never missed a payment and was never late on them. If one did get there the exact day due believe me they had already called several times on the day due forget about any grace periods.
Now that the vehicle is paid off, seems when we call to find out where the title is and oh yes, the overpayment we are told that it will be mailed this week. Well it's now been 6 weeks and no title.
I am also filing a complaint with our attorney Generals offfice. If I have no title by the end of the month I am also going to seek an attorney.
They sure want their payments there but they sit on their rumps when its time to give you the title correctly and timely.
This report was posted on Ripoff Report on 09/16/2009 12:25 PM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-Acceptance-CAC/internet/Credit-Acceptance-CAC-Cant-get-title-Internet-495818. 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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Robert Kiley credited with revitalizing and modernizing public transportation networks.
Teacher, basketball coach was almost 105
Artist created over 1,000 paintings, many of Tiffin.
Neither death is considered suspicious, according to the coroner's office.
Union chairman served at Hinkle.
Napoleon councilman ran machining business.
Builder loved to stay busy with range of interests.
Teacher was Waterville councilman.
UT educator on boards for children, community.
Perrysburg city, schools leader a realty accountant.


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Charity News ◊ Fundraising News ◊ 3rd Sector News ◊ Philanthropy News ◊ CSR News ◊ Social News ◊ Giving News ◊ Edited in London and Geneva
- PHONES SUSTAINABILITY: Recycling appeal
Mobile phone providers need to do more to support the recycling of unwanted phones, and there should be an easier way to repair a new smartphone if it becomes damaged, say consumers.
- SUSTAINABILITY: Livestock farming tool
New interactive tool launched to help livestock farmers in developing countries, improve their productivity and reduce greenhouse gas emissions.
- ENVIRONMENT: Russian USA partnership
A charity funded Russian USA non-profit partnership is using geolocation technology to map the habits of an epic migratory wading bird.
- BEE CONSERVATION: Neonicotinoid appeal
Charity appeals to maintain ban on neonicotinoid insecticides as new report links usage to wild bee decline across England.
- INDIA: mHealth impact programme
A nationwide mobile health programme designed to train community health workers and reach millions of women is underway in India.
- WINDFARM: World's biggest go-ahead
Renewables non-profit gives thumbs up as world's largest windfarm receives planning go-ahead in the UK.
QUEEN'S HONOURS LIST: Charity awards
18/06/2012 by Alan Cole in the UK
Kenneth Branagh, Gary Barlow, Jenny Agutter amongst those on Queen's 'charity' honours list
Hundreds honoured by Queen for services to charity, philanthropy and community efforts...
Kenneth Branagh is one of the big names heading the list in the Queen's birthday honours with awards going to those making contributions to society via community, philanthropy and charity work.
But while Kenneth Branagh is knighted for community work and services to drama however the majority of those receiving awards for charity and community work are operating outside the public eye...
A total of 72 per cent of award recipients are honoured for charitable or voluntary work in their local community in this year's 'Diamond Jubilee' Queen's birthday honours list.
The Queen's Birthday Honours List 2012 published on Saturday includes the re-introduction of the British Empire Medal in Jubilee year, in order to recognise more public service achievements across the UK.
Those honoured for charity, community and philanthropy work include Kenneth Branagh who receives a knighthood for services to drama and the community in Northern Ireland...
Branagh adds his knighthood to a long list of actor knights over the year from Sir Laurence Olivier, Sir Anthony Hopkins, Sir Michael Caine and others.
Gary Barlow receives the OBE for his major contribution to charity that has included the Prince's Trust, Care and Children in Need as well as his recent support for The Queen Elizabeth Diamond Jubilee Trust.
Choirmaster and broadcaster Gareth Malone (OBE) gains his award for services to music. Malone was responsible for the charity album In My Dreams and single Wherever You Are with the Military Wives, supporting the Royal British Legion and the Soldiers, Sailors, Airmen and Families Association (SSAFA) charities…
The actress Jenny Agutter (OBE) is recognised for her service to charity that includes the Cystic Fibrosis Trust.
British Empire Medal winners include Audrey Lloyd for community work in Redcar and Cleveland; and Anne Vance for work for the Praxis Care befriending scheme for services to people with mental illness in Northern Ireland.
MBE recipients include Emma Colyer, who launched her own charity, Body and Soul, helping children and families affected by HIV... Also an MBE goes to Anthony Lowe, who set up the innovative charity FareShare.
Other award winners include Rosamund Spearing, founder of horse riding charity, Ebony Horse Club (EHC). Also Ruth Owen, Chief Executive of Whizz-Kidz, helping young wheelchair users and Pauline Ward, Chairman for Purton Helping Hand in Wiltshire...
Knighthoods have been awarded to the philanthropists Charles Dunstone, founder and chairman of Carphone Warehouse Group and musician and broadcaster, Richard Stilgoe, who set up the Alchemy Foundation and is a noted donator to good causes.
Special awards for women include Lucy Neville-Rolfe, for being a role model for women in business. She has led Tesco's community engagement programme.
MPs receiving awards include Malcolm Bruce, Lib Dem MP for Gordon, who is Vice President of the National Deaf Children's Society and Chair of the Deafness All Party Group in Parliament.
Other awards include a knighthood for Dr William Haughey, a businessman who has donated millions to various charities...
A CBE goes to ex professional footballer, Paul Elliott, for his work with English football's anti-racism drive, including work with the Kick it Out charity. Former England goalkeeper David James also receives an MBE award for his service to football and to charity.
Other sports related awards include an MBE for Kenneth Woolcott, who created Popmobility.
More than 1,064 candidates have been selected at BEM, MBE and OBE level with the vast majority for services to the community or to charity...
Charity News every weekday
Written and edited in London and Geneva All Xperedon news articles are original and are written by the Xperedon news team. The team is headed in the UK by Alan Cole, an experienced award-winning journalist and copywriter. Alan has previously worked in-house for UK publishers, Pearson Media (Financial Times) and Northcliffe Newspapers, among others, and is an accredited member of the National Union of Journalists, UK.
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