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Christy: The Complete Series, DVD Set
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Product Description
Now the television series based on Catherine Marshall's award-winning novel comes in one affordable boxed set! Christy: The Complete Series features 19 episodes about Christy Huddleston's life as a schoolteacher in the impoverished Great Smoky Mountains of Tennessee. Determined to make a difference, 19-year-old Christy left the comfort of her home to help the children. Christy is home entertainment at its best, these wholesome programs star Kellie Martin, Tyne Daly, LeVar Burton, and many special guest performers. Four double-sided DVDs. Approx. 15 hours total.
DVD Features:
- English and Spanish Audio
- English and Spanish Subtitles
- Closed captioned
Product Information
|Format: DVD
Vendor: Fox Faith
Series: Christy
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Product Reviews
Jackie5 Stars Out Of 5awesomeJuly 18, 2016JackieQuality: 5Value: 5Meets Expectations: 5This is a great family movie. Make family movie night and enjoy.
LadyDianaCatLoverOntario, CanadaAge: 55-65Gender: female5 Stars Out Of 5Christy: The Complete Series, DVD SetFebruary 6, 2015LadyDianaCatLoverOntario, CanadaAge: 55-65Gender: femaleQuality: 5Value: 5Meets Expectations: 4I am watching this series for the third time in my life, first on TV and secondly after purchasing, and once again a few years later during the past month. I absolutely love this series. The characters are phenomenal and the morals and values are excellent. I had written to CBS when this series came out and asked that more of similar could be produced. Compared with the trash television that is out there today, this series is second to none. I am so thrilled to see that it is still available for purchase on Christian Book.com. There needs to be a continuation to finish off the ending. It is a cliff hanger without an answer! Disappointing!!!!
Naty Garza5 Stars Out Of 5Good clean entertainmentDecember 20, 2013Naty GarzaQuality: 5Value: 5Meets Expectations: 4I really loved the series, but I was disappointed with the ending. It looks, because of her dream, that she will ride off with the doctor. However the ending is one of indecision and left up to the viewer to decide.
hans19925 Stars Out Of 5Awesome storyJuly 16, 2012hans1992Quality: 5Value: 5Meets Expectations: 5I have searched so much for these dvds and i was happy to see them for a very affordable price. I watched these dvds when I was about 7, i am 20 now and these stories still are one of my favourites.
AnnePennsylvaniaAge: Over 65Gender: female5 Stars Out Of 5Enjoyed the wholesome story of that period of timeJune 11, 2012AnnePennsylvaniaAge: Over 65Gender: femaleQuality: 5Value: 5Meets Expectations: 5It was well done protraying that period of time. Excellent plots, some hummor, and good moral lessons. Even my nine year granddaughter enjoyed it.
Ask Christianbook
Q: Where were the episodes filmed? Christy series was in a fictional place of Cutter Gap. Where was the series filmed?
The series was filmed in Townsend, TN.
Ask Christianbook
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BOOKSSmoking gun
"Golden Holocaust: Origins of the Cigarette Catastrophe and the Case for Abolition" by Robert N. Proctor; University of California...Original post made on Jul. 21, 2012
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PALO ALTO ISSUESDo I need a permit to put in an rv hookup in my backyard?
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CRIMES & INCIDENTSPalo Alto man charged with six felonies in sex case
A Palo Alto man who was arrested in June for allegedly raping a woman he knew at his home has been charged with six felony...Original post made on Jul. 21, 2016
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Sirius XM (SIRI) has a lot of passionate investors, many of whom are looking to make a killing on the stock. Many of these investors look at Apple Computer (AAPL) and see that it was trading in the low teens a little more than a decade ago and now trades at more than $600 per share. If the share price of Apple could grow more than 50 times, why not Sirius XM? It seems as though some are hoping that simply placing the two ticker symbols in the same sentence will boost the share price of Sirius XM.
Here are two Apple comments from a recent article on Sirius XM:
I'm not sure I see $30-$40 a share [for Sirius XM], but it is possible and with Sirius bringing in new technology and even purchasing other companies that compliment their business it is very possible. Did anyone see Apple going to $600.00 a share years ago.
You [referencing the above comment] are right about apple and these augurs. Apple will see over a $1000.00 in a couple of years ... but apple train is out of the station for those who want to see their investments grow by fold.
I do see siri over $10 in the next 3 to 4 years. This is a phenomenal business with a lot of monopolistic aspects and unique appeal. We all know how monopolies prosper.
Is this optimism justified? Apple's rapid growth was driven by its entry into new businesses that began nearly 11 years ago with the introduction of the iPod. The company followed up 18 months later with the introduction of the iTunes Music Store, offering a catalog of more than 200,000 songs at $0.99 each. And, in 2007 the company introduced both the highly profitable iPhone and the iPod Touch, and more recently, the iPad. Each of these products drove growth well beyond the company's core PC business.
How is the growth of Sirius XM even remotely comparable? Sirius XM is a company that delivers audio entertainment for a fee. And most of the consumers that get to experience the entertainment during a free trial period choose not to pay that fee. It is a subscription model that is showing revenue growth, but it is a growth rate far slower than Apple.
As to Sirius XM being a monopoly, it isn't. Not only has the FCC ruled that the company is not a monopoly, but the company's 10k lists a large number of alternatives in the audio entertainment landscape:
We face significant competition for both listeners and advertisers. In addition to pre-recorded entertainment purchased or playing in cars, homes and using portable players, we compete with numerous other providers of radio or other audio services. Some of our new, digital competitors are making in-roads into automobiles, where we are currently the prominent alternative to traditional AM/FM radio. Our existing and emerging competition includes:
and the 10k goes on to list traditional AM/FM radio, HD radio, Internet radio, Internet-enabled smartphones, etc. And, Sirius XM does not exhibit characteristics often associated with monopolies:
A situation in which a single company or group owns all or nearly all of the market for a given type of product or service. By definition, monopoly is characterized by an absence of competition, which often results in high prices and inferior products.
Yes, Sirius XM has exclusive rights to broadcast certain content, including sports and on-air personalities, but exclusive rights last only as long as a contract, and contracts expire. Even with these exclusive rights, Sirius XM has had difficulty growing market share outside the automobile.
Do any of these factors make Sirius XM a poor investment? No, the company is continuing to grow and is now generating hundreds of millions of dollars per year in Free Cash Flow ("FCF").
Free Cash Flow
Sirius XM is expected to generate $700 million in FCF this year and that FCF can be expected to continue to grow. Currently the FCF translates to roughly $0.10 per diluted share. With shares trading at $2.12 at this time, that's a multiple of 21.2X FCF. Even if the FCF figure doubles over the next 4 years, it is still only $0.20 for each diluted share. And, even if investors are willing to continue to pay 21.2X the FCF per diluted share, that "only" gets to a price of $4.24/share.
There really aren't any other companies that have managed to grow like Apple. That doesn't mean they are poor investment choices. And Sirius XM is not a poor investment choice. Sirius XM should continue to have double digit revenue growth at least for 2012 and 2013 based on subscriber net additions and the growing impact of the price increase put in place at the beginning of this year.
It just isn't Apple and it just isn't likely that the share price will more than quadruple and go "over $10 in the next 3 to 4 years."
Disclosure: I am long SIRI. I have $3 January 2013 covered calls against most of my Sirius position, as well as some $2 and $2.50 January 2013 covered calls. I have made similar covered call trades to those discussed and may initiate (or close) a buy stock/sell option position in Sirius, at any time. I have no positions, or any plans to open positions in the next 72 hours, in any of the other companies mentioned in this article.


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StellarOne Corp. (NASDAQ:STEL)
Q2 2008 Earnings Call Transcript
July 29, 2008 10:00 am ET
Linda Caldwell – Director of Marketing
Jeffrey Farrar – EVP and CFO
O.R. Barham, Jr. – President and CEO
Jennifer Demba – SunTrust
Steve Moss – Janney Montgomery Securities
Michael Rose – Raymond James
Cary Morris – Scott & Stringfellow
Bryce Rowe – Robert W. Baird
Good day, everyone, and welcome to the StellarOne Corporation's earnings conference call. Today's conference is being recorded. At this time, I would like to turn the conference over to Ms. Linda Caldwell, Director of Marketing. Ms. Caldwell, please go ahead, ma'am.
Linda Caldwell
Thank you, Rufus. Everyone, we're pleased you could join us today. We have with us O.R. Barham, Jr., President and Chief Executive Officer of StellarOne Corporation, and Jeffrey W. Farrar, Executive Vice President and Chief Financial Officer. Mr. Barham and Mr. Farrar will review results for the second quarter of 2008, and after we hear comments from Ed and Jeff, we will take questions from those listening.
Please note StellarOne Corporation does not offer guidance. However there may be statements made during the course of this call that express management's intentions, beliefs, or expectations. Actual results may differ from those contemplated by these forward-looking statements. Now, may I introduce our Chief Financial Officer, Jeff Farrar, for financial highlights. Jeff?
Jeffrey Farrar
Thank you, Linda. Good morning, everyone.
I'd like to start by focusing on earnings for the quarter. StellarOne reported earnings of $6.1 million or $0.27 a share. I would also like to remind everybody that in terms of comparisons to prior year, as well as the first quar1ter, they're going to be somewhat muted due to the fact that we consummated our merger mid-quarter, first quarter, as – I believe February 28, so we're not going to have a full load, if you will, of both FNB and VFG in the first quarter, and thus, comparisons will be difficult. But we'll – to the extent we can, we will provide indications of trends and so forth that will, hopefully, help.
I really want to focus on three impacts for the quarter, integration expenses, merger-related expenses, being the first. We had about $1.5 million of merger expenses for the second quarter. Most of it was integration related as we worked through the nuances of putting our respective banks together, and that, of course, consummated late May. We did have some merger-related expenses, but they were not near as significant, and we do not expect to see any significant merger expenses moving forward.
The second item I want to focus on is the amortization of purchase accounting adjustments. This was a significant item for the quarter, and this really relates to the notion that under purchase accounting, we would mark the assets and liabilities to market value for the acquiree, which, for accounting purposes, in this case, was FNB. And thus, we had fairly significant amounts of discount premium associated with the loans, CDs, and advances, FHLB advances.
So this quarter saw the first amortization of these discounts and premiums, and that amount – that gross amount was $4.7 million. So we had some pick-up, if you will, from the amortization of these adjustments, which increased net interest income and thus boosted margins for the period, and we'll talk more about that as we get into net interest margin discussion.
For those who care about it, those amortization amounts will decline fairly quickly. The duration of the assets and liabilities, as you might imagine, is relatively short. And for the third quarter, for instance, we're looking at amortization of $2.3 million, and again that's increase in net interest income. And then for the fourth quarter, we're looking at amortization of about $1.6 million. So as you can see, the numbers come down fairly significantly, and by this time next year, it will be a pretty insignificant item for us.
The last item we want to talk about in terms of impacts for the quarter is the loan loss provisioning. Obviously, we did have a significant increase in loan loss provisioning. There are several things that I think we want to touch on. First of all, we did have some deterioration, if you will, from the standpoint of downgrades within the portfolio. We had two credits that we allocated specific reserves of right at $2.4 million on.
Those two relationships in aggregate dollars outstanding approximate $18 million. They were both acquisition and development credits. We feel like we've been pretty conservative in terms of discounting assumptions based on discussions with auctioneers and appraisers, so we feel pretty good about where we've got those two credits from a valuation standpoint.
We continue to see some just overall deterioration relative to the real estate markets, and so some of the soft factors that we embed in our allowance calculation were up, which also necessitated, if you will, an increase in coverage. And we've – as you might have noticed, increased our coverage to the total portfolio to 1.25%, compared to 1.17% for the first quarter.
We also had about $1.3 million in charge-offs for the quarter, which obviously would've had some impact on the amount of provisioning recorded. Of that $1.3 million, the largest single charge-off was right at $250,000, so we had a lot of small credits that we charged off for the period. Some of it was conscious on our part. We had a number of small relationships and NPAs that were in bankruptcy status that we were collecting payment on but felt it prudent to go ahead and clear off through a charge-off and then book recoveries as they come in. So, there was about $0.5 million of what I'll call "clean-up" associated with that, and then the other charge-offs, again, less than $250,000.
So looking at those impacts, I look at the provisioning as recurring. I look at the merger expenses and amortization of purchase accounting adjustments as nonrecurring. If you carve out the nonrecurring, we're looking at earnings per share for the quarter of $0.21 on a core basis. We're looking at year-to-date earnings of $8.2 million or $0.44 a share, but on a recurring basis, $9.1 million or $0.48 a share.
If I could then shift gears to net interest income and talk a little bit about the margin, well, we saw a nice increase in margin, but obviously, as I've said, we got a pop from the amortization. As you can see, if you looked at the release, the net interest margins that we enjoyed, if you normalize them and exclude the adjustments related to purchase accounting, you'll see that our net interest margin was in the 3.75 – at the 3.75 level for the quarter, 3.74 for the six-month period, so a very stable margin and certainly one that, given conditions, that we're pleased with.
We do expect the possibility of some modest compression through the remainder of the year. We had the benefit of a significant amount of repricing on cost – on the liability side of the balance sheet this quarter. We see that slowing in the third and fourth quarter. Continue to struggle with loan growth, we were down $20 million in loans for the quarter, or roughly 1%. As long as that continues, obviously, it's going to be difficult to drive asset yields, so modest compression entirely possible as we look to the remainder of the year.
If I could shift gears to the other large component of revenue, and that is non-interest income, obviously, compared to the prior quarter and prior year, significant growth rates, but if you look at them on a normalized basis, retail banking fee income is probably our strongest line item right now. We're seeing a little over 10% growth sequentially on a normalized basis, a direct byproduct of the high profile [ph] direct marketing initiative, direct mail initiative, that's continued to give us some traction. We have rolled it out on the legacy FNB side and are starting to see some benefits associated with that as well.
Mortgage revenue was down 8% sequentially. We're still enjoying some good earnings out of our mortgage area, but we are seeing some contraction, if you will, in the revenue streams and anticipate that continuing through the course of the rest of the year.
From a wealth management perspective, we had roughly 10% decrease in brokerage fees for the quarter, but that was offset, in large part, by roughly a same percentage growth in trust revenues So, we were relatively flat on a comparative basis, again normalizing for the merger.
Other items of note, we did have a loss on sale of OREO of 260,000 for the quarter. That was a $2.2 million piece of OREO that was sold during the quarter. That, along with some payoffs, allowed us to get our NPA levels down somewhat. We'll talk more about that as we get into asset quality.
Other category, we had $400,000 in earnings from Bankers Insurance for the quarter related to our ownership in Bankers Insurance, LLC. We also continued to see some improvement in Boley [ph] Income associated with the legacy FNB ownership of Boley.
If we could switch now to overhead, merger expenses in aggregate, $5.1 million for the year. We had, as I indicated earlier, $1.5 million in merger expenses for the quarter. If we carve out the impact of the merger expenses, efficiency ratio for the quarter was just over 67%, higher than we want it to be. I think the thing that's impacted us most right now is the revenue contraction, but we're certainly very focused on driving that efficiency ratio down and continuing to evaluate our overhead structure.
While we're on that, I want to address FTEs. July of '07, the combined company, if you looked at FNB and VFG together, we had just over 1,000 employees, 1,013 employees. That number as we stand today is 890 FTE, down slightly from the 901 we reported at June 30. So we're making some headway on realizing, if you will, the cost saves that we had contemplated with the MOE. We've got more work, but I think we feel fairly confident that we're going to get the lion's share of our cost saves.
And then lastly, want to focus a little more on asset quality. As I mentioned, level of non-performing assets dipped to $25.9 million or 0.86% of total assets. Charge-offs for the quarter were 22 bps. I think that we'll continue to see an elevated level of charge-offs for the remainder of the year. And as I mentioned, we improved our coverage ratio to 1.25% given market conditions and the downgrade of the two credits that I alluded to earlier.
From a balance sheet perspective, we had a lot of moving parts. We did purposely deleverage the company a little bit during the quarter. As you'll note from looking at total assets, we paid off roughly $45 million in advances during the quarter. $22 million of that was a prepayment of former legacy FNB advances that were high-rated advances that obviously, with walking in the market, we had the ability to pay them off without a lot of impact from an earnings standpoint. So we'll enjoy about a 250-basis-point improvement in cost of funds related to that prepayment.
We unwound our commercial paper, which on the legacy FF – VFG side was a commercial suite product. That, in effect, drove deposit levels up because we basically took that commercial paper money and put it back on our balance sheet in the form of retail deposits. So, the $45 million of deposit growth that you'll note is a large byproduct of bringing that commercial paper back on.
I mentioned that we had contraction of the loan portfolio, $20 million. We also sold securities that represented reinvestment of the commercial paper proceeds of roughly $65 million. So, the decrease in security is directly related to the payoff of the commercial paper.
Then, lastly, tax rate. Some of you that are focused on that will note that we had over a 35% tax rate, effective tax rate, for the quarter. A little distortion there related to the deductibility of merger expenses, and to some extent, a catch-up from first quarter. You'll note that the effective rate was 29% in the first quarter, so a little distortion between first and second quarter. I think the thing I'd want you to take from it is, we think our current effective tax rate is 32.5 as we go through the remainder of the year. So, for those that are interested, 32.5, I think, is the normal run rate.
That concludes my remarks for the time being.
Linda Caldwell
Thank you, Jeff. Next, we'll hear from our President and Chief Executive Officer, Ed Barham. Ed?
O.R. Barham, Jr.
Thank you, Linda.
I would just summarize by saying in total where we are at the current time is about where we thought we would be and are pleased with efforts made 2.5 months in from the merger date, which is May 23rd. We are taking an aggressive stance on working our asset quality problems down. I believe capital has two purposes, either help you to grow the company or to help you work through some problem credits, as we all – as bankers are experiencing at this time.
But as Jeff has alluded to earlier, you have heard that our NPA levels have dropped and stand currently at 0.86%. Given any unforeseen issues that, hopefully, aren't out there on the horizon, we think we have a pretty good handle on where our problems are, at least the larger issues that we're facing at this time. We would hope that we can see that NPA level continue to go down over the trend for the rest of the year. But no guarantee, but certainly, hopefully, that's where we're headed with this.
Again, the $64 question is, how long will the economy stay down, and obviously, that will impact us and cause a problem predicting any such exactness as to where we stand asset quality-wise. But all in all, we feel good about the company and where we've been able to put our company together. I think we feel very positive about where we'll be come first quarter 2009, at least on an integration side, from an organizational side, and hopefully, from an asset quality side. We see 2008 as a year where we really are going to put our ship in order as best we can within our own ability to manage issues that are in front of us and hopefully look for a better '09, as I'm sure a lot of bankers are looking forward to a better '09.
I'll just stop with those general comments and let's just open it up for questions. At this time, we'll be happy to answer any questions you might have.
Question-and-Answer Session
Thank you, sir. (Operator instructions) And for our first question, we go to Jennifer Demba with SunTrust.
Jennifer Demba – SunTrust
Good Morning. You mentioned that in terms of your credit downgrades that were in the acquisition development area, can you give us an idea geographically where those were and if there were any other concentrations in your credit downgrades during the quarter?
O.R. Barham, Jr.
Jennifer, the concentration – let me kind of answer the second question first. The concentration, if we have any at this point, is in and around the Smith Mountain Lake area. There were some fairly significant projects that the old FNB legacy side was involved in. We've been through those thoroughly. We've looked at them pretty closely. We have a good sense of where we are relative to those and have seen some slight improvement on some credits there. So I would say that's the one pocket and the only pocket really we have any concern about as the economy continues to trail down over time. But, again, not overly concerned, but certainly have some concern. The two credits that we ended up adding additional provision for, one was at the Smith Mountain Lake area, and the other was in the Lynchburg market, both A&D transactions.
Jennifer Demba – SunTrust
How much loan exposure do you have in the Smith Mountain Lake market?
O.R. Barham, Jr.
That number would be somewhere around $50 million.
Jennifer Demba – SunTrust
Okay. And, Jeff, you indicated you guys – you think the margin's going to be under some pressure in the second half of the year. Do you anticipate growing the loans in the second half of the year, or do you think that's going to continue to be a struggle?
O.R. Barham, Jr.
Yes, go ahead, Jeff.
Jeffrey Farrar
I just want to say I think, given what I'm seeing in terms of pipelines and discussion or chatter from the loan officers, I think it's going to be a struggle to show any growth in the loan portfolio for the remainder of the year. Some of what's going on here, quite honestly, is allowing some stuff to move out that we think is prudent from a potential quality standpoint.
O.R. Barham, Jr.
I would agree with that 100%, Jennifer. He's correct. We are actively calling, but some of what we're doing is obviously allowing the portfolio mix to change a little bit, which we want to see some more of that over time.
Jennifer Demba – SunTrust
Thank you.
We'll go next to Steve Moss with Janney Montgomery Securities.
Steve Moss – Janney Montgomery Securities
Good morning. Just with regard to the credit downgrades, what were the original LTVs?
Jeffrey Farrar
I can't answer that off the top of my head, but I can assure you that there wasn't anything out of the ordinary on them. It's just merely a matter of economic conditions, and as you would expect, where you have acquisition development in a market such as Smith Mountain, where it is discretionary – home ownership is discretionary because many of those homes are vacation homes, second homes, they're likely to be and so they are. They turn down quicker, and the recovery is slower there than it would be in other areas where job growth really drives market demand on housing.
Steve Moss
And if you could give some color with regard to the housing market in your geographies, Western market and the FNB legacy versus the FGI legacy?
O.R. Barham, Jr.
Yes, well, first of all, we're not Nevada, we're not Florida, and we're not the Rust Belt. Overall, I mean in Virginia, it's not bad. I mean we are holding up, as you would even see on the national news reports, relatively well. Again, I emphasize job growth drives residential demand, and so we still enjoy some of that, not as vigorous as it has been, but feel pretty good other than the pocket around Smith Mountain Lake, which is going to take a little longer for us to work through some of those credits.
Steve Moss
Okay, thank you.
For our next question, we go to Michael Rose with Raymond James.
Michael Rose – Raymond James
Hi. Good morning. I was wondering if you could discuss trends in your early-stage delinquencies, you know, loans 30 days, 90 days past due, and any trends on your watch list?
O.R. Barham, Jr.
Overall, our past due ratio was just a little over 1.4% at the end of June. Actually, on a trend line, that's an improvement from what we saw a couple of months ago, though having said that, my expectation would be that we'll continue to see that probably inch up, but we're staying on top of it and working it extremely hard. As you would expect, the biggest delinquencies that we're seeing are in the A&D area, which is running a little over 2% overall. On a very small portfolio of about 20 million in indirect paper, which is dealer paper, we've seen quite a bit of past due, a little over 3%, in that category, but again, it's a small part of our portfolio.
But, overall, with the exception of A&D and the aspect of the dealer paper, those are the two biggest bumps in the road as far as past-dues. We are not seeing it in the home equity area. You keep – you know, a lot of discussions floating around about home equities, and we're watching that very closely, but we have not seen that in our home equity, and generally, in our consumer loan portfolio so far, nor have we seen it in the commercial portfolio so far. So the contagion relative to the sub-prime market that we all hear and have heard so much about, we haven't seen that contagion spreading yet, and we'll – that will be something, obviously, that we'll keep a close eye on as we go into third and fourth quarter. But so far as we sit here today, no issues on those fronts.
Jeffrey Farrar
The watch list has trended up some, and that's a direct result of the acquisition and development portfolio.
Michael Rose – Raymond James
Okay. And, secondly, you mentioned that the deposit growth in the quarter was largely the impact of moving the commercial paper suite product back on your balance sheet. Can you net that out and kind of give us a sense for what kind of impact do you have or feel the initiative had on non-interest-bearing deposits this quarter?
Jeffrey Farrar
Well, I can tell you that core deposits, netting out the impact of the commercial paper, in aggregate, was down about $30 million. A large part of that was related to CD repricing. As you may recall, we had a large amount of CDs repricing during the quarter and actually feel pretty good about how much of that we were able to retain because we were repricing a lot of that down as much as 200 basis points.
So I would tell you that we're pretty pleased with the growth in non-interest-bearing deposits and DDA, both in terms of number of accounts and dollars. I don't have the dollars in front of me right now to quote. I can certainly follow up on that, but I think what you'll see is some nice growth in those line items.
Michael Rose – Raymond James
Great. Thank you very much.
We go next to Cary Morris with Scott & Stringfellow.
Cary Morris – Scott & Stringfellow
Morning, Ed. Good morning, Jeff.
Jeffrey Farrar
Hey, Carrie.
O.R. Barham, Jr.
Cary Morris – Scott & Stringfellow
Could you guys help us just understand. Obviously, Jeff, you're talking about the loans and what your portfolio's doing, but you've recently just lost someone in the Fredericksburg market, and just kind of tell us what you're going to do there to replace that particular asset or human resource, so to speak, and how you look to proceed further.
O.R. Barham, Jr.
I assume you're talking about the loss of Ron Davis?
Cary Morris – Scott & Stringfellow
Yes, sir.
O.R. Barham, Jr.
Okay. All right. You want to take that?
Jeffrey Farrar
Yes, sure. Well, I'll speak to Fredericksburg first. We're really excited about the addition of a commercial lender in that market, but I don't think we're quite ready to announce who at this point. So I can't give you a name, but we've added a lot of bench strength there in Fredericksburg in the commercial arena and continue to have a nucleus of folks there that we feel good about. I think that we're well positioned, if you will, for the Fredericksburg market to continue and grow that market.
We'll open another branch there on Plank Road by the end of the year, a former Wachovia branch that is a great site for us, and we're real excited about, which will give us real good coverage along that Route 3 corridor as you head back toward Culpeper. So that market, I think we feel real good about and more to come in terms of who that individual is, but he is a household figure in that market with a large bank in that market.
O.R. Barham, Jr.
Yes, someone we've been trying to recruit for several years and finally were able to bring him on board. And he is onboard at this point, so more to come on that. But back on the loss of the person that we had there, that individual really didn't carry much of a portfolio, so what we've really done here is picked up somebody that has a huge following in the Fredericksburg market, and in particular, I might add, in the medical community, which is an area that we really want to focus and penetrate more over time.
And I will add we were fortunate enough to bring on board on our trust business Ken Whitescarver, who's a native of Fredericksburg, who started in the trust department there for National Bank of Fredericksburg years ago. And he is in that market, working in that market as we speak, as well. So we feel that this particular individual that we just added on the loan side and Ken Whitescarver 's presence really has added some strength in that market and should do good things for us over time.
Cary Morris – Scott & Stringfellow
Great. Thanks a lot.
O.R. Barham, Jr.
You're welcome.
(Operator instructions) We go next to Bryce Rowe with Robert W. Baird.
Bryce Rowe – Robert W. Baird
Thanks. Good morning, guys.
O.R. Barham, Jr.
Bryce Rowe – Robert W. Baird
Ed and Jeff, could you guys speak to the auction process experience, assuming you've had one with some of the OREO?
O.R. Barham, Jr.
We really haven't had much auction experience at this point. I will tell you that we have some auctions teed up in the latter part of August, and we feel pretty good about what we are hearing. In fact, we've – one party, they were very anxious to get to us first, and we worked out a situation with the auctioneer to go ahead and sell some property, parts of a development off to some individuals who wanted to pick up several lots in this particular development. So anyhow, we haven't had the experience yet, Bryce, so we'll talk to you about it in September and let you know how it goes.
Bryce Rowe – Robert W. Baird
Okay. And one more question for you, Jeff. It's more related to the merger cost. In the first quarter, you talked about specifically where those merger-related costs fell on the income statement. Could you do the same for the second quarter?
Jeffrey Farrar
Yes. The difference in second quarter versus first quarter is that we really had, what I'll call direct merger integration expenses, and so they're all encaptured, if you will, in the other category.
Bryce Rowe – Robert W. Baird
Okay. Okay, that's great. Thanks, guys.
Jeffrey Farrar
You're welcome.
(Operator instructions) And with a follow-up, we return to Jennifer Demba with SunTrust.
Jennifer Demba – SunTrust
Thank you. Jeff, I was just wondering if you could update us as to all your capital ratios at the end of June.
Jeffrey Farrar
Still kind of refining the calculations, Jennifer, so I don't have the ratios for you today. I think you'll see that given the contraction in the balance sheet and the fact that we did have net earnings net of dividends growth in equity, that they'll be slightly increased from first quarter.
Jennifer Demba – SunTrust
And with that, ladies and gentlemen, we have no further questions on our roster. Therefore, Ms. Caldwell, I'll turn the conference back over to you for any closing remarks.
Linda Caldwell
Thank you, Rufus. Everyone, thank you for joining us and for your questions today. We truly appreciate your participation. And there are no further remarks from our two gentlemen here, this concludes our conference call.
And again, ladies and gentlemen, this does conclude the StellarOne Corporation's earnings conference call. We do appreciate your participation, and you may disconnect at this time.
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Neville Marriner, Former Minnesota Orchestra Music Director, Dies At 92The Academy of St Martin in the Fields orchestra says its founder, conductor Neville Marriner, has died at 92.
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Rob SmithShared publicly -
For anyone else following me, Alex wrote a novelette about this very topic and some of the history behind it. It's a good quick beach read if you've got a dollar to spare.
Thanks for thinking of me. Since the book is e-book only, I will sign anyone's iPad or Kindle in Sharpie who wants me to.
Also, did you see this recent xkcd comic?


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June , 2010 Life with Maudie started for me back in 1988 when she was a kitten. I had mentioned to my sister Betsy, that I was considering getting a cat, the next day Maudie showed up outside my apartment door. Her ...
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... driveway. I should mention that many of our NY friends offered to have us stay with them and we gratefully appreciate those offers, but Katonah is close to the hospital in Mt. Kisco and to my mom's condo in Somers that this is the best place to stay. ...
Heritage Hills Condo
In 2001, Andy bought #380D in Heritage Hills for his Mom to live in. We downsized her from a 4 bedroom, large colonial into this two bedroom condo 7 years ago. We placed her furniture as she directed and sold what didn't fit. Grace had the good luck to ...
Attractions in KatonahKatonah Attractions (3)
149 Girdle Ridge Rd, Katonah, New York, United States
John Jay Homestead
Route 22, Katonah, New York, United States
Retirement home of Founding Father John Jay.
Katonah Museum of Art
Route 22 at Jay Street, Katonah, New York, United States
The Katonah Museum of Art, designed by Edward Larrabee Barnes, is a non-collecting institution dedicated to encouraging the enjoyment, appreciation and study of the visual arts by visitors of all ages. The Museum offers a series of changing exhibitions, active community outreach, and over 150 lectures, workshops, and concerts annually.


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Brand newLOWEST PRICE
The Story of My Life and Work (Illustrated Edition) (Dodo Press) by Booker T WasAU $22.70Free postage
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About this product
Key Features
- Author(s)Booker T. Washington
- PublisherDodo Press
- Date of Publication11/04/2008
- LanguageEnglish
- FormatPaperback
- SubjectAutobiography: General
Publication Data
- Place of PublicationGloucester
- Country of PublicationUnited Kingdom
- ImprintDodo Press
- Content Note1, black & white illustrations
- Weight421 g
- Width152 mm
- Height229 mm
- Spine16 mm
- Illustrator(s)Frank Beard
- Introduction byJ. L. M. Curry
Editorial Details
- Format DetailsTrade paperback (US)
- Edition StatementIllustrated edition
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Even if you have no interest in crowdfunding, there are a number of interesting elements in the SEC's crowdfunding proposal that may have broader applicability.
Phased disclosure: the crowdfunding proposal incorporates a number of information requirements. An issuer that intends to engage in a crowdfunded offering must prepare certain disclosures, which will be filed on Form C. The Form C would include basic information about the company and its business, information about its officers, directors and principal shareholders, its use of proceeds, a description of capital stock, related party transactions, recent securities offerings, a description of financial results (similar to an MD&A), etc. These disclosure requirements acknowledge that a one-size-fits-all disclosure model may not be appropriate. The SEC seems to have given thought to those disclosures that would be most relevant for an investor, and has tailored the disclosure requirements. Might this signal that the SEC is receptive to a phased disclosure approach that may be more broadly applied? The special forms (SB forms) that once were used for offerings by smaller public companies were abandoned years ago in favor of having all issuers use the same forms, but providing disclosure accommodations for smaller public companies. Now, EGCs also may benefit from certain disclosure accommodations. But, even with these accommodations, the disclosure requirements might still be further scaled back to focus on those items that are most important to investors and not risk having investors be overwhelmed by disclosures of only modest significance. It seems fair to assume that the SEC may use the Form C model to inform its approach to rulemaking for Regulation A+ deals.
Ongoing Reporting Requirements: the crowdfunding proposal contemplates that companies that complete an offering will be subject to certain ongoing reporting requirements. These would be made on a Form C-AR and would include information similar to that required in the initial Form C. This is the first time that the SEC has outlined an approach to public disclosures for a non-reporting company. Certainly these requirements might be made applicable to companies undertaking a Regulation A+ offering and choosing to remain private. It is also possible to anticipate that with many more companies choosing to stay private longer and having a market for their securities, some reporting requirements might be imposed.
Modified Regulatory Framework for Funding Portals: the proposal (especially when read in conjunction with FINRA's proposal) is also significant in that it outlines a regulatory approach for an intermediary (funding portals) that will be regulated but will be something less than broker-dealers. This may be an approach that could be used for other purposes, such as in connection with regulating entities that engage only in M&A advisory services.
See more
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Morrison & Foerster LLP - JOBS Act
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Credit: Getty Images O'Keefe joins Levin upon the release of part 1 of his undercover investigation that reveals mass collusion, cover-up and even the incitement of violence by democrats:
Happy Tuesday ya'll! Watch Jamie Allman and team bring the #CommonSense directly to your radio: Here's a sneak-peak of our "showsheet": 5:22 – National Anthem 5:50 – Todd Starnes 6:22 – Lightning Round 6:50 – Suneal Menzies 7:10 – Chris Arps 7:22 – Judge Andrew P. Napolitano 7:...
Credit: Getty Images Looking for further proof of corruption on the left? This is distrubing. Plants inciting violence at Trump rallies, "a pony express" between super PACs and the Clinton campaign... and that's only the beginning. Watch below: Read article from Breitbart
Connor Brewer is fiercely loyal to his college football team. But he is also fiercely loyal to the United States of America. So when the Millikin University football team decided to protest the national anthem by remaining inside the locker room – instead of on the sidelines -...
Credit: Getty Images Jason Rosenbaum talks to Chris Arps about the race for Saint Louis Mayor, campaign financing, and the cigarette tax
Credit: Getty Images Chris Wilson works as a pollster and explains good polling and bad polling


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22 Jan 2017 9:30:59am
I find it curious that the debate around CSG goes to groundwater contamination and loss of agricultural production. Study the precedents of coal seam gas production in the Powder River Basin of Wyoming (32,000 wells), San Juan Basin of western Colorado & New Mexico (40,000 wells)and the Raton Basin of eastern Colorado (~7,000 wells). There is no evidence of groundwater contamination or lowering of useful water tables.
For an example of coexistence of gas production in a highly productive irrigated agricultural region take a Google Earth trip to Hugoton, Kansas the heart of the huge Hugoton Gas Field which was first developed in 1928. Note the hundreds of centre-pivot irrigators.
If they play their cards right Australian agricultural producers will have an opportunity to utilise an otherwise never accessible, saline water resource thanks to the expensive, sophisticated water treatment systems being employed here.
But those opportunities nor the resource tax revenue will be there if the CSG industry is burdened to the point of being unprofitable. Capital knows no loyalty. It can go elsewhere very quickly!


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Online registration has now closed. Tickets will be available at the door from 8:45 AM.
Please see the important information below for those planning to attend.
There's so much to learn and experience at EdRev 2016. Get a head start by planning your day from the information on EdRevSF.org
We would like to alert you to the early-morning technology workshop this year, Shelley's Must-Know Technology Tools for Diverse Learners: 2016 Edition with assistive technology consultant Shelley Haven ATP, RET, from 9 am to 10:15 am, in the Executive Meeting Room on Level 4. We advise arriving at 8:45am to find your way to this workshop on time.
AT&T Park is located at: 24 Willie Mays Plaza, San Francisco, CA 94107 (Map). Enter through the Willie Mays Gate at the Main Plaza.
Parking is at Lot A, accessed from 3rd Street. (Map) Parking is a flat rate of $10 to park all day. To access this rate, at the ticket machine:
Select option: PENG
Enter code: 1001
An attendant will be present until 11:30am to assist you with this.
See here for public transportation, maps and directions: http://sanfrancisco.giants.mlb.com/sf/ballpark/directions/index.jsp
WAIVER REQUIRED for Fan Lot and Baseball Activities:
If you or your children want access to the Fan Lot or to participate in Base Running, the Pop-fly Machine, Batting Tunnels or Speed Pitch, you MUST sign a waiver. AT&T Park personnel will be collecting signed waivers and issuing wrist bands at the entrance to the Ball Park on Saturday. Parents must complete the waiver for children under 18 years old. You can save time by printing out the waiver and bringing it with you already signed. Download the waiver form here. (Spanish version here.)
Finally, you are invited to join us on Saturday evening April 16th after EdRev for an exclusive screening of Roadtrip Nation's documentary Being You. This will take place in the Delancey Screening Room close to the ballpark. RSVP here.
A coffee cart will be open on Level 3 from 8:45am to 10:30am. Beverages and food will be available for purchase from the concessions on Level 3 from 11am to 3pm. You are welcome to bring your own food and beverages. You are not allowed to bring hard-sided coolers (soft-sided are okay) or glass or aluminum containers into the ballpark.
AT&T Park is located by the water in San Francisco. Activities will take place both inside and outside at the ballpark all day. The weather can vary from cool and windy to quite warm and sunny. Please come prepared for both.
Please be advised that the events of this day may be documented on video and camera by the organizers of this event. Your likeness and voice may be photographed/recorded. Anyone wishing not to be filmed should identify themselves at such time as a camera is observed. Thank you for participating in the documentation of EdRev 2016!
As a reminder, there is no child care available. Parents are responsible for supervising their children.
We look forward to seeing you at this inspiring event!
General Registration
General entry $60
PEN Members save $10
Educator $40
Educators from PEN Member Schools attend fre.
Student 12 and under FREE
Student 13 and over $20
SAFE Members attend free
Low Income Scholarships available
We look forward to seeing you at this inspirational event!


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If you're relatively new to digital photography, making sense of all the lingo and acronyms can be a rather daunting task, but it's also key to knowing your way around your camera and taking excellent photos. One of the most confusing settings on your shooter is undoubtedly ISO, so we've put together this dead-simple explanation to help you master it in just a few minutes. Here's what you need to know.
First, let's break down the acronym. ISO is short for International Standards Organization – the main governing body that standardizes sensitivity ratings for camera sensors. It's a a term that was carried over from film. When you change your ISO setting, you're adjusting your camera's sensitivity to light. ISO settings can be anywhere from 24 to 6,400 (or higher), and these numbers have a direct relationship with the device's sensitivity, so a lower setting makes it less sensitive and a high setting makes it more so. Along with shutter speed and aperture, ISO is one of the three factors that determine your picture's exposure. Finding the right balance between these three settings is key to getting the perfect shot.
Finding the right ISO setting
First of all, you should know that a higher ISO typically translates to a noisy or "grainy" image, so as a general rule you want to use the lowest setting possible for your photos. Check out the picture below to see the difference it can make.
A lower ISO will usually produce more color-accurate, aesthetically pleasing images, but there are situations where a higher ISO is desirable. The proper ISO setting really depends on the level of lighting you're shooting in and the visual effect you're going for, so rather than relying on one over-arching rule, consult this list of tips:
- If your subject is moving and you're trying freeze the motion for a still, you'll likely need a higher ISO setting to compensate for the high shutter speed and ensure your image gets enough light
- If you're going for more of a vintage aesthetic and want to add a little bit of grain to your photos, don't be afraid to bump up the ISO a few notches
- If you're using a tripod to stabilize your camera you can usually get away with a slower shutter speed, which in turn allows you to use a lower ISO
- If you're shooting an image that doesn't require a large depth-of-field, you can increase the camera's aperture (thus allowing more light into the lens) and use a lower ISO
- If you're shooting with artificial light (i.e., using a flash) you can typically get away with a lower ISO setting
You'll probably need to experiment a bit until you hit the sweet spot, but while you tinker with settings, keep the following in mind:
- Never trust your camera's display. Don't assume that your picture will turn out just because the tiny 2-inch preview looks adequate. Your shots almost always look different on your computer, and you probably won't be able to spot noise on your camera's small, low-resolution display. For this reason, we highly recommend that you zoom in a bit to check your images for grain. There's nothing worse than taking a bunch of seemingly great shots only to discover they're noisy and speckled when you upload them to your PC.
Still confused by ISO? Feel free to leave your questions in the comments below and we'll see if we can help you out!


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Max Grundig Klinik
Buehl, Germany
Radiofrequency ablation (RFA) to treat atrial fibrillation (flutter) (program ID: 175133)
Prof. Dr. med.
Curt Diehm
Department of Cardiology
Specialized in: angiology
About the department keyboard_arrow_down
Department offers preventive techniques, diagnosis, treatment and rehabilitation, as well as hospitalization and urgent medical assistance in case of emergency. Department is certified by the German Society of prevention and rehabilitation of cardiovascular diseases.
Program includes:
- Initial presentation in the clinic
- clinical history taking
- physical examination
- cardiological examination
- laboratory tests:
- complete blood count
- biochemical analysis of blood
- TSH-basal
- inflammation indicators
- indicators blood coagulation
- measurement of arterial blood pressure
- electrocardiogram
- Holter monitoring (24h)
- echocardiography
- transesophageal echocardiography
- preoperative care
- radiofrequency ablation (RFA)
- symptomatic treatment
- control examinations
- the cost of essential medicines and materials
- nursing services
- full hospital accommodation in 2 bed shared room
- explanation of future recommendations
About hospital
Accommodation in hospital
- Buehl, Germany
Atrial Fibrillation (Flutter) Diagnosis
4128.00More chevron_right
Electroconvulsive therapy for atrial fibrillation (flutter)
8770.00More chevron_right
Pacemaker implantation to treat atrial fibrillation (flutter)
20102.00More chevron_right
Radiofrequency ablation (RFA) to treat atrial fibrillation (flutter)
24542.00More chevron_right
Total amount:
Program [Description]
Radiofrequency ablation (RFA) to treat atrial fibrillation (flutter)
- Hospital: Max Grundig Klinik
- Department: Department of Cardiology
- Head physician: Prof. Dr. med. Curt Diehm
- Type:
- access_time Duration
- date_range
Booking Health free services
- Transfer
- Visa support
- Interpreter 3 hours
- Interpreter 10 hours
- Translation of medical documents 4 pages
- Insurance in case of extra expenses for the treatment of foreign patients
Selected additional services
You may also book:


text: This was my first visit to AAA Cleaner and it definitely won't be my last. They were very friendly and very attentive. I brought a gown in to be taken in. They measured and made suggestions as to having the gown fit better. I left there feeling very confident they would do a good job and waited anxiously to pick up my gown the following week (7 days) as agreed. That all happened at 7:30 in the morning. Imagine my surprise when I got the call later that evening (5pm) saying that my dress was ready for pick up!!! I was a little worried and thought that was a little too fast and pondered about what kind of job they must have done to do it so quickly!!! I picked it up the next morning at 7:15 AND IT WAS PERFECT!!! I am soooo happy with the results the dress looks even better than it originally did! I HIGHLY RECOMMEND THEM and will to all my ballroom dance friends also! Kudso AAA Cleaners and THANK YOU SO MUCH!!!


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The mitotic spindle forms during cell division and separates chromosomes into the daughter cells. It is required for normal eukaryotic cell division. In most cells, the division plane position and orientation is controlled by spindle position and orientation. However, the force mechanisms underlying spindle positioning are ill-understood. Two alternative models have been proposed. One invokes microtubule interactions with the cell cortex, and the other with the cell cytoplasm. The goal is to discover which model (if not both) is correct by using modeling, simulation, and experiments in C. elegans early embryos. The project team has skills in biophysical theory, experiment, mathematical modeling, and simulation. An essential difference between the two models is whether microtubules interact actively or passively with the cytoplasm, but given the system's complexity it is difficult to discriminate with experiment alone. We will use modeling and simulation to predict cytoplasmic flows associated with each model, and their combinations, and compare these to experimental measurements of actual flows. Detailed hydrodynamic interactions have not been previously accounted for in modeling spindle dynamics, and requires novel methods for efficiently and accurately capturing spindle microtubules interacting with each other, the cytoplasmic fluid, and the cell periphery. We will compare the predicted dynamics to new experimental measurements that simultaneously capture spindle structure and dynamics, and cytoplasmic motions. Comparisons will be made between predicted and observed responses under physical, molecular, and genetic perturbations. Intellectual Merit: The proposed work will bring a new approach to modeling mitotic spindle dynamics and positioning. The integrated experimental and theoretical approach will enable new insights into the mechanisms of positioning and asymmetric cell division. The project will contribute to the broader efforts to understand the mitotic spindle and cell division, a long-standing fundamental problem in cell biology. This work will expand technical knowledge in cellular biology, biophysics, experimental technique, statistical physics, applied math, fluid dynamics, partial differential equations, and numerical analysis.
This research will help illuminate and resolve fundamental biological issues on the role and control of the spindle and microtubules in cell division and organismal development. The project is significant for medicine and human health as the spindle and microtubules are targets for chemotherapeutic drugs.
|Robinson-Mosher, Avi; Shinar, Tamar; Silver, Pamela A et al. (2013) Dynamics simulations for engineering macromolecular interactions. Chaos 23:025110


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