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A/N: I'm generally not a slash author, but I had the idea to write this in the middle of the night and couldn't resist. This is a break from my usual interpretations of the characters and just a bit of fluffy, angsty fun. Ax's side of the story should be up soon.
"Sentenced first to burn and then to freeze, and watch by the window where the boys grew in the trees." –Carly Simon, Boys in the Trees
If I'd had any idea what kind of bullshit my little foray into the woods would get us into, I'd have never gone through with it. But at the time, it seemed like an opportune moment. A man has needs, you know, and there's really no way to get them accomplished living in a valley surrounded by his parents and a bunch of bladed Teletubbies. And since I sometimes have trouble getting started and an osprey flying around with a Maxim magazine would be only slightly inconspicuous, I decided the best idea would be to wait until Tobias took his nightly trip to Rachel's and sneak out of Ax's scoop with some quality reading material.
Having, I mistakenly believed, given Ax the slip, I found a nice tree to lean on in a rather secluded part of the surrounding woods and unzipped. One hand went to work and the other traced the outlines of some of the lovely ladies – and their lovely derrieres – who graced the pages of the magazine. I had a ticket to my happy place and I was fully intent on riding that train to its destination.
I doubted I'd have jumped more if Visser Three himself had been popped up beside me. "Jesus, Ax, can't a guy go to the bathroom around here?"
Apparently there are a few holes in the Andalite concept of privacy. Ax stepped out of the bushes nearby, holding a roll of toilet paper. {You told me you were taking the magazines as you'd "be spending a while out here". I assumed you'd forgotten this.} He used those creepy stalk eyes to look me up and down, noticed that despite the fact that my hand was in them, my boxers were still on. {I am pleased to see I intercepted you before you began to relieve yourself.}
"Oh, I'm relieving myself, alright." I muttered. Well, the mood was officially killed. Maybe if I pretended I'd just been fixing a wedgie or something we could drop the conversation at that. I pulled my pants back up.
{How so?} Guess not.
"Well, uh…" I felt my face grow hot. May as well be out with it. "Humans have certain…urges…if they aren't having their, um, reproductive needs met."
Ax just looked more confused at that. {You wish to reproduce? From my almanac, I would imagine that you would be considered too young to effectively raise offspring. And that is not to mention the timing of the event. I believe Prince Jake would find it irresponsible of you to procreate while your energy is needed as a warrior.}
"No, Ax, I don't wish to reproduce, I-" And then it struck me. Oh God, I was going to have to give Ax the birds and the bees talk, wasn't I? "For humans, um, sex is also for pleasure. And people get pretty cranky when they don't get any for a while."
{But wouldn't sex require the presence of a human female?}
"Yeah, but there's ways to get the same feeling without another person. Well, almost the same feeling."
{Is the feeling inferior?} Ax asked quizzically, and for the first time in this conversation it didn't seem out of curiosity about humans so much as about something else.
"A little, yeah. I mean," Not like I was going to tell him I wouldn't know from my own personal experience, "there isn't really the emotional aspect there is during sex. So it's different."
Ax nodded like he understood. It's always unsettling when he nods because his stalk eyes don't move with the rest of his head. {And so you were attempting to simulate the experience by yourself. Do you feel you must do this because you lack a female partner?}
I swear, you could have fried an egg on my face, the way it was burning up. Or used the red light that I could swear was glowing from my cheeks as a distress signal. To spacecraft.
"Yeah, pretty much. And, well, living with my parents tends to put a stopper on anything before it starts, either."
{Ah, yes. I assumed humans had a similar need for privacy surrounding sex that Andalites do.}
Great. Now he tells me he understands privacy.
"Well, I just spilled to you about humans doing some self-appreciation, so now you have to tell me about Andalite sex. Do you guys get frisky or are you just freakishly stoic about it?" I figured since he'd managed to ruin my date with the sweetheart on page 32, I could at least make him squirm a little.
Ax seemed to blush. {Andalites desire sexual activity as well, but unfortunately we have no way to simulate the experience alone.}
I thought about that for a minute. That meant that for almost three years, Ax hadn't had the slightest sexual activity, unless he and Estrid had gotten busy while our backs were turned, and somehow I doubted that. I felt kind of sorry for him.
"So are you just, like, so horny you could die or what?"
Ax didn't answer that. He just stared at the ground and lightly kicked the grass with his hoof.
"Jeez, Ax, you could just morph to human and get your rocks off that way."
{I would not know how.}
I was about to suggest him to look it up on the computer, but realized that given the horrors of the internet, that might give him the wrong idea entirely. "That sucks, man."
{Yes, it does "suck".} Ax seemed kind of deflated. I couldn't put my finger on why. As we made our way back to camp he stayed withdrawn, barely acknowledging my jokes and commentary.
When we got back, I sat on the couch we'd dragged in and turned on the TV. Nothing good on, not even soaps for Ax. The Food Network had bright colors, so I decided on that. Not to mention the new girl, Padma Lakshmi. A little light TV to keep our minds off how horribly awkward the last half-hour had been.
While we were watching Padma chop onions to toss into a stir-fry, Ax brought up the second thing that day that made me jump. {Would you be willing to show me how to simulate sexual pleasure in my human body?}
"Wait, what?" I stared at him in shock. So was that what he'd been thinking about on our way back here?
{I am sorry if my request was inappropriate. You do not have to answer.} Ax said quickly, managing to not look at me with a single one of those four eyes. I could swear he was blushing.
My jaw just hung open for a few seconds, thinking about it. "So did you just ask me to jack off in front of you or to jack you off?"
Ax didn't say anything. He kept very pointedly not looking at me. For the next half hour, it stayed that way, until gorgeous Padma was replaced by the less gorgeous Jamie Oliver.
And yet I still felt kind of hot. Not just my face anymore, either. My whole body. Must be all that repressed sexual energy, I thought.
I wondered how Ax felt. I thought about him piloting the Bug Fighter into the Yeerk Pool to help me save my mom. I thought about the fact that he was letting me stay here, with a TV and computer handy, rather than just telling me to get my ass back to the Hork Bajir Valley where I belonged now.
And this is where the bullshit started.
I sighed. "Okay, Ax. Morph human."
He looked confused for a moment, then nodded again and started to morph. I turned off the TV and fidgeted. It would be getting dark soon, and Tobias would be back. Possibly the only way this could get more weird would be to get caught by a red-tailed hawk. Or if the Yeerks attacked. But probably more so if Tobias caught us.
Ax waited for me to tell him what to do, now in his bizarrely pretty human morph. I tried to remind myself that he had fifty percent female DNA, and another quarter was my DNA, so if he'd gotten that part of the morph from me it wouldn't be all that different from what I'd been doing in the woods anyway. If he got that from Jake, definitely more awkward than it already was.
"Okay, Ax-man, sit next to me. We're gonna do this right."
"Humans perform intercourse while sitting? Ing. Sitting."
"Hate to disappoint you, but I'm not going to have actual intercourse with you. This is just a sample pack of my many talents." I scooted closer to him. "Also, if you want me to do this, you're going to have to cut it with the mouth sounds. It's a boner-killer."
"Boner-killer? What is a boner? Boh. Nerr."
"Well, I guess that's the first thing you've gotta learn." I said, and then I closed my eyes and started on him. I started breathing on his neck, right behind the ear, and then kissing, a little kiss here, a slightly wetter one there, a little nibble at the earlobe. I moved my hands so that one was running down his back, the other cradling his face. Pressed my body up to his.
"You know how humans make out, right? Deep kissing?" I asked. To my surprise, I was feeling pretty hot and bothered myself. I could feel him breathing heavily. I thought I felt his temperature rise too.
"Yes, I experienced it once with Estrid," he said before he pressed his mouth to mine. I used my tongue to coax his out, sucked on it, bit gently with my teeth. I felt his hands start to feel up my torso. Felt chills up my spine. Once I felt we were both as into it as we were going to be, I slid a hand under the bike shorts of his morphing outfit.
Oh yeah, definitely got that from me.
I broke away from his mouth just long enough to say "that, Ax, is a boner", and then I got to work. Gentle tugs at first, then faster, a full fist up at the top. If he had that part of my body, it stood to reason that he'd like the pattern I like too.
Sure enough, he did. A lot. I pulled my now wet hand out, wiped it on the underside of the couch cushion, and took a good look at him. He really was very pretty, even sweating and red-faced and panting and looking more than a little dazed.
"That a pretty good simulation for you?"
Ax, despite being usually confused by human facial expressions, knew enough about them to smile. "Human sexual climaxes are very unlike Andalites. They are much more…intense and sudden. Sudden. Sudnn."
"Andalites have the long slow classical-music French porno orgasms?"
Well, that just got a confused stare.
Then Ax surprised me. He leaned forward and started kissing me again. "Do you wish for me to return the favor?"
"Seriously?" At first I almost wanted to push him away, tell him this had gone too far the instant he'd had the idea, leave this now instead of going any further. But I was still hot and still very hard, and I got the inkling that this would come back to bite me later if he felt indebted to me. "That would be pretty nice, yeah."
And so he did exactly the same thing to me as I'd done to him. He was a bit clumsier than I was, but I didn't care. It felt too good.
It's funny. I never expected my first time to be like that. I always hoped it would be in a fancy hotel or something, with some Angelina Jolie type jacking me off while whispering in my ear how I was such a god in bed and how hot I made her. And even if that was just a hope, I at least expected it would be in a reasonable location with one of the cutest girls in high school.
On a moth-infested couch in the middle of the woods, with an alien who'd morphed into a human who just happened to share some of my genetic makeup, keeping an eye out for another guy who was stuck as a bird? Not in my wildest imagination.
But it felt very, very good.
It wasn't until about fifteen minutes later, when we sitting next to each other on the couch, both red-faced and sweaty, that I realized what a mistake I'd just made.

subset: commoncrawl


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Sat., April 10, 2010, 6:26 p.m.
House passes tax plan
OLYMPIA -- The House of Representatives passed a plan to raise taxes by nearly $700 million dollars over the next 15 months.
In a 52-44 vote, Democratic leaders pushed through a package that raises taxes on soda, bottled water, candy, gum, mass-produced beer, most service businesses
Among Spokane area legislators, only Rep. Timm Ormsby, D, voted yes. Reps. Larry Crouse, Susan Fagan, Joel Kretz, Kevin Parker, Shelly Short, Joe Schmick, all R, and John Driscoll, D, voted no. Alex Wood, D, and Matt Shea, R, were excused.
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!# Powerbank / Power Bank serve as an 'extra battery' or external charger for
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Hampton Inn Pittsburgh/Monroeville
Select your stay dates to check availability at Hampton Inn Pittsburgh/Monroeville
Hampton Inn Pittsburgh/Monroeville
About the Hotel
Property Location
Located in Monroeville, Hampton Inn Pittsburgh/Monroeville is in the suburbs and close to Boyce Park Ski Area and Monroeville Mall. This hotel is within the vicinity of Sri Venkateswara Temple and Presque Isle State Park.
Make yourself at home in one of the 140 air-conditioned rooms featuring refrigerators and LED televisions. Complimentary wired and wireless Internet access keeps you connected, and cable programming provides entertainment. Private bathrooms with shower/tub combinations feature complimentary toiletries and hair dryers. Conveniences include desks and complimentary newspapers, as well as phones with free local calls.
Enjoy recreational amenities such as an indoor pool and a 24-hour fitness center. This hotel also features complimentary wireless Internet access, concierge services, and gift shops/newsstands.
You can enjoy a meal at a restaurant serving the guests of Hampton Inn Pittsburgh/Monroeville, or stop in at a grocery/convenience store.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a business center, and express check-in. Free self parking is available onsite.
Hotel Facilities
- Free breakfast
- Number of buildings/towers - 1
- 24-hour front desk
- Grocery/convenience store
- Indoor pool
- Express check-in
- In-room accessibility
- Free wired high-speed Internet
- 24-hour fitness facilities
- Computer station
- Fireplace in lobby
- Gift shops or newsstand
- Express check-out
- Roll-in shower
- Total number of rooms - 140
- Accessible bathroom
- Number of floors - 9
- Elevator/lift
- Television in common areas
- Smoke-free property
- Free WiFi
- Concierge services
- Free self parking
- Free newspapers in lobby
- Safe-deposit box at front desk
- Business center
- Coffee/tea in common areas
- Luggage storage
- Restaurant
Room Facilities
- Connecting/adjoining rooms available
- Refrigerator
- Free wired high-speed Internet
- Blackout drapes/curtains
- Premium TV channels
- Free local calls
- Free newspaper
- Coffee/tea maker
- Phone
- Desk
- Free toiletries
- Free bottled water
- Air conditioning
- Shower/tub combination
- Daily housekeeping
- Cable TV service
- Iron/ironing board
- Room service
- Hair dryer
- Private bathroom
- In-room climate control (air conditioning)
- Free cribs/infant beds
- Free WiFi
Hotel Policy
Know Before You Go
- The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Pet fee: USD 50.00 per accommodation, per stay
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.Show all hotel policy Show less hotel policy


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Go Forth
2016 Fourth of July Events in Cleveland
By Lexi Hotchkiss, Image by Cody York
Ah, yes. The Fourth of July. It's that one time of year you wear an outfit comprised entirely of the colors red, white and blue; accept (parade) candy from a politician; and belt out your best version of the "Star-Spangled Banner" – without anyone giving you the stink eye.
So, why not take your holiday traditions to the next level in Cleveland for a new take on Independence Day?
On July 4, the City of Cleveland puts on their annual fireworks display at dusk. The set-off location – where Lake Erie meets the Cuyahoga River – allows you to enjoy the view from a multitude of unique locations.
Head down to the West Bank of the Flats and check out Music Box Supper Club (where you can also see a show by Evil Ways, a Santana Tribute) or WXYZ in the Aloft Hotel.
Also on the West Bank, experience Red, White & Brew at the Greater Cleveland Aquarium from 3 p.m.-12 a.m. (Did we just catch you perking up at the mere mention of "brew?") Tickets to this event include admission to the aquarium followed by an event along the Cuyahoga River that offers beer, bands and seating for the City of Cleveland fireworks display.
On the East Bank of the Flats, the options are aplenty with wide range of new waterfront restaurants and bars offering Insta-worthy views of the fireworks. Nosh on fish tacos from Coastal Taco or slurp oysters at Alley Cat—both with dining along the Cuyahoga. Or, take in the views from the streetside patios at Punch Bowl, Crop Rocks, Crop Sticks or Beer Head Bar.
Thousands of other people will set up in Edgewater Park, which provides an especially family-friendly opportunity to enjoy the show.
Many Downtown attractions make sure you don't miss out on the fireworks display, as well.
Make your way to North Coast Harbor to scope out some sweeping Lake Erie views from within Voinovich Park or aboard the William G. Mather Steamship. Every year, the historic steamship, which is operated by the Great Lakes Science Center, puts on Rock and Boom. Guests can enjoy a special science-related workshop, food, beverage and one of the best views of the City of Cleveland fireworks.
Another fantastic way to experience the fireworks display is on Lake Erie herself. The Goodtime III Fireworks Cruise offers multi-tiered packages for visitors seeking a view of the City of Cleveland fireworks – right in the middle Lake Erie.
Similarly, the Nautica Queen offers its July 4th Dinner Cruise on Lake Erie. Besides simply heading out to Lake Erie, guests of the Nautica Queen will get uncanny views of Cleveland along the winding Cuyahoga River.
The Cleveland Orchestra at Blossom: July 2-4
Celebrating our nation in a national park with an internationally recognized orchestra and fireworks? Sounds like fun to us. Get to Blossom Amphitheater on July 2-3 for "1812 Overture," a concert featuring romantic Russian melodies including Tchaikovsky's famous "1812" overture. Then, on July 4, The Cleveland Orchestra performs "A Salute to America," a show featuring patriotic favorites from American composers like Sousa and Gershwin, with a finale performance of the 1812 Overture. All three nights close with a fireworks display.
Cleveland Continental Cup: June 30-July 3
Cleveland hosts the Continental Cup, which is an international youth sports festival that draws more than 3,000 youth athletes from 10 countries around the globe. The 228 teams compete in soccer, baseball and basketball at popular Cleveland sports venues. Check out the free Parade of Nations, Opening Ceremonies and festival at Finnie Stadium at Baldwin Wallace University on June 30.
Rib, White & Blue – Akron Main Street: July 1-4
"Ribs. I had ribs for lunch." If a free four-day party in Downtown Akron doesn't strike a cord with you, perhaps the 12 "barons of the barbeque" slinging succulent ribs will.
Star Spangled Science: July 1-4
A new and special salute to the holiday weekend, Star Spangled Science at the Great Lakes Science Center puts the red-white-and-blue into science. Learn how fireworks create that signature flash-bang-boom and see what happens when you create a chemical reaction involving firecrackers and a watermelon. Make gooey, slimy red-white-and-blue polymers and make your stake in the community build project for the upcoming Republican National Convention.
We're not sure if there's anything more American than a ballgame. So, buy some peanuts and Crackerjack, because you really won't care if you ever get back from a baseball game in CLE. Here are the pro, minor and independent leagues playing around July 4:
• Cleveland Indians V. Detroit Tigers baseball: July 4-6 (fireworks on Monday)
• Lake County Captains baseball: July 1–3 (fireworks on Friday, Saturday, Sunday)
• Akron RubberDucks baseball: July 4-7 (fireworks on Monday)
• Lake Erie Crushers baseball: July 1–3 (fireworks on Friday and Sunday)
• World Golf Championships—Bridgestone Invitational: June 30 – July 3
• Chris Botti at Hard Rock Live: July 1
• Chagrin Falls Studio Orchestra Patriotic Bash: July 1
• Over the Rainbow Kite Festival: July 3


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A Wish on a Maple Tree
In the wilderness some miles away from the city, there is a tree that is supposed to be able to grant any wish... But... will this one wish be heard?
Maple leaves... She loved the warm colors that brightens up her day in the chilly autumn. Too bad she didn't get to see them...
"CODY!!! Get back here!"
Spring Meadows Hospital used to be a quiet and peaceful place in which patients can relax and rehabilitate. Well... that is until someone came along...
And that someone is me. "Too bad," I shouted. "You already gave me too many shots today. I've had enough!" I turned the next corner of the hallway.
The nurse was trying to catch her breath as she was chasing me. "You're father will punish me if I don't take care of you."
I was breathing deeply and I waited for the sounds of footsteps to pass by. I found myself in an patient room, and it was occupied.
The patient gave me a smile. "So you want to leave too?"
And that was how I met her. Twenty years ago.


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Top 10 Cars of the 2013 Tokyo Motor Show
3. Lexus LF-NX Turbo
If the hybridized version of the LF-NX concept shown in Frankfurt was a little too heavy on the greens for your pallet, Lexus is ready to offer another solution. Its upcoming compact crossover will offer not one but two drivetrain choices. The first will – of course – be that 2.5-liter Atkinson cycle engine helped by electric motors, but there will be another version available for the hybrid averse with a two-liter turbocharged four cylinder. Despite the missing specifications, the LF-NX Turbo is still making a splash because of its extreme looks.


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posted 3/14/17
For immediate release from Indiana Bankers Association:
Schroeder Honored with Resolution
Mark A. Schroeder, a chairman and chief executive officer of German American Bancorp, Jasper, has been honored with a concurrent resolution by the Indiana Senate and House. Presented on Monday, March 13, the resolution honored Schroeder for being named by American Banker magazine as one of three nationwide Community Bankers of the Year for 2016. The resolution was authored by Sen. Mark Messmer and Rep. Mike Braun.
Schroeder joined German American in 1972 as a vault teller and served in multiple positions before being named CEO in 1999. Under his direction, German American Bancorp has experienced six consecutive years of record earnings and has been one of the most consistently profitable banks in the country, as reported in American Banker.
In 2009, Schroeder was one of 12 community bankers in the nation invited to meet with President Barack Obama at the White House to discuss local economies and small business lending challenges. He has been active with multiple professional organizations, including the Community Bankers Association of Indiana, Indiana Bankers Association, Independent Community Bankers of America (ICBA) and the Federal Reserve Bank of St. Louis. Currently Schroeder serves as a board member of ICBA Bancard and as vice chairman of the board of directors of the Indiana Department of Financial Institutions. A certified public accountant, he is a graduate of the University of Evansville and of the Stonier Graduate School of Banking.
Born and raised in Jasper, the town that his great great grandfather immigrated to from Germany, Schroeder appreciates genealogy and family ties. He and his wife Marlene are parents to three married daughters, and their growing family currently includes three grandchildren.
posted 2/16/17
Presidents' Day - Monday, February 20th
All German American banking and investment locations will be closed on Monday, February 20th in observance of Presidents/ Day, yet if you're in the Madison area, our Walmart location will be open from 10 am - 4 pm.
German American Insurance offices will be operating regular business hours.
posted 1/9/17
Martin Luther King Jr. Day - Monday, January 16th
All German American banking and investment locations will be closed on Monday, January 16th in observance of Martin Luther King Jr. Day, yet if you're in the Madison area, our Walmart location will be open from 10 am - 4 pm.
German American Insurance offices will be operating regular business hours.
posted 1/3/17
German American Insurance acquires Adams Insurance Agency in Madison
German American Insurance is please to announce that the Adams Insurance Agency in Madison became German American Insurance effective January 1, 2017. The Adams Insurance Agency clients will now be served by the German American Insurance team - a team of over 60 insurance professionals committed to customer service excellence.
German American Insurance is part of the German American family of banking, insurance, investments and wealth advisory professionals. Our company is headquartered in Jasper, IN, and serves individuals, families, and businesses throughout southern Indiana and Carrollton, Kentucky. Since 1910, German American has been dedicated to helping our clients achieve greater prosperity and quality of life.
"Since German American Insurance represents the same carries as the Adams Insurance Agency, this transition will be seamless for our customers," states Joe Dedman, President and CEO with German American Insurance, "Our insurance team is eager to welcome and serve the Adams Insurance Agency customers."
The German American Insurance office will be conveniently located inside German American Bank's Clifty Drive Office at 430 Clifty Drive in Madison. For all your insurance needs, please call our insurance professionals at 812-274-9140.
posted 12/19/16
Christmas Eve - Saturday, December 24, 2016
Banking offices will observe regular business hours.
Day After Christmas - Monday, December 26, 2016
All German American offices will be closed.
New Year's Eve - Saturday, December 31, 2016
Banking offices will observe regular business hours.
Day After New Years Day - Monday, January 2, 2017
All German American offices will be closed.
posted 8/19/16
German American Announces Promotion of Jim McDonald
German American announces the promotion of Jim McDonald to Regional Executive Vice President Agricultural and Commercial Lending. In this role, Jim will work closely with Joel Smith, Regional President, to serve farm operations and businesses in Knox, Daviess, Martin, Pike, and Gibson Counties with customized financial solutions, putting them on the path to future growth and success. Jim will also continue to lead German American's Ag Services division, which also serves the counties of Vanderburgh, Warrick and Posey.
Jim has 27 years of experience in agricultural and commercial banking. Throughout his career he has held key leadership roles in strategic planning and business development, along with growing and managing financial teams. He holds a Bachelor's degree from Murray State and currently serves on the board of Thy Word Network. Jim and his wife, Carolyn, have two children, Molly and Ivan.
"Jim's extensive experience in commercial and ag banking, along with his exceptional interpersonal skills, make him the perfect fit for his key leadership role with the German American team," states Joel Smith, Regional President. "He is very knowledgeable and enjoys building strategic, value-added business relationships with our existing and future customers. We are proud to have Jim on our German American team."
posted 8/12/16
German American Bancorp, Inc. (GABC) receives multiple national recognitions for financial performance
JASPER,Ind., German American Bancorp, Inc. (Nasdaq: GABC), headquartered in Jasper, IN,with 51 offices throughout the southern Indiana region, has received national recognition for its 2015 financial performance including Bank Director's Bank Performance Scorecard, S&P Global MarketIntelligence 100 top-performing banks, KBW Bank Honor Roll, Raymond JamesCommunity Bankers Cup, and American Banker's annual ranking of top community banks.
Bank Director Magazine awarded German American Bancorp, Inc. the second highest performance spot in the nation among the bank's peers in their annual Bank Performance Scorecard. The Score card uses five key metrics that measure profitability, capitalization and asset quality and rewards banks that are well-balanced among all three measurements with a slight-bias towards profitability. German American's Chairman and CEO,Mark Schroeder, was also featured in the article announcing the award, which was published in Third Quarter 2016 issue of Bank Director.
TheS&P Global Market Intelligence ranked German American Bancorp, Inc. among the nation's top 100 performing banks in the $1 billion to $10 billion asset size category. S&P Global MarketIntelligence ranked the best-performing community banks using six core financial performance metrics that focus on profitability, asset quality and growth for the 12-month period ended Dec. 31, 2015.
KBW Bank Honor Roll recognizes banking institutions nationwide that achieved positive earnings per share growth trends over the last decade,regardless of the economic environment. German American Bancorp, Inc. has been named on the KBW honor roll list each consecutive year since 2010.
The Raymond James Community Bankers Cup awards recognize the top 10% of community banks in the nation based on profitability, operational efficiency,and balance sheet metrics. This is the fourth year for the Community BankersCup awards and German American Bancorp, Inc. has received this award for the past four consecutive years.
German American Bancorp, Inc. was also ranked number 18 out of 217 banks which qualified for national recognition in the American Banker's annual ranking of top mid-tier community banks. This is the fourth consecutive year the bank has earned this recognition by American Banker.
posted 7/28/16
German American Bancorp, INC. (GABC) Reports Record Quarterly Earnings
posted 7/8/16
German American Announces Executive Promotions
JASPER, Ind., German American Bancorp, Inc. (Nasdaq: GABC) and its banking subsidiary, German American Bancorp has announced a number of promotions to its executive and senior officer group. Mark A. Schroeder, Chairman & Chief Executive Officer, made the following comments regarding the announcement, "In response to the tremendous growth we've experienced as a Company in recent years and in preparation for what we see as continued, excellent prospects for future growth, we are very pleased to announce the following executive promotions."
Randall L. Braun has been promoted to Executive Vice President - Chief Retail Banking and Development Officer. Braun, who joined German American in 2011, brings nearly 25 years of broad-based banking industry experience to his expanded role. In addition to continuing to head the Company's retail banking business line, Braun will provide executive oversight of German American's leadership development program, as well as of the Company's human resource and training functions. In this newly appointed role, he will be responsible for the recruitment, development, training and retention of the Company's nearly 600 financial professionals.
D. Neil Dauby has been promoted to Executive Vice President - Chief Commercial Banking Officer. Dauby, who holds a certified public accountant designation, joined German American in 2001, following a successful 15 year career in public accounting. He previously served as president of one of German's American's community banking subsidiaries and will continue to serve as the regional president of the Company's south central region, consisting of Dubois, Perry, and Spencer Counties. In his new role as Head of Commercial Banking, Dauby will carry the expanded responsibility for all aspects of the Company's commercial banking line of business.
Keith A. Leinenbach has been promoted to Executive Vice President and Chief Credit Officer. Leinenbach, who has 34 years of commercial banking experience within the Company's geographic market area, has been with German American since 2000. During his tenure with German American, Leinenbach has served as senior commercial banker, regional credit officer, and, most recently, as corporate senior vice president & chief credit officer. In the role as Chief Credit Officer, he has responsibility for the Company's commercial asset quality and the commercial credit administration function.
Braun, Dauby, and Leinenbach, along with Chairman & CEO Mark A. Schroeder, President Clay W. Ewing, and Executive Vice President & CFO Bradley M. Rust, comprise the Company's executive management group.
In addition, German American also announced the promotion of Clay M. Barrett and Vicki L. Schuler to the position of corporate Senior Vice President.
Clay M. Barrett, in his newly appointed position of Senior Vice President of Technology and Operations, will lead the Company's core processing and operations functions, as well as its efforts to stay abreast with the ever changing client demands for technology-driven products and services. Barrett, who previously held the position of vice president-digital banking, electronic payments and project management, has been with German American since 2012, having held technology and operations positions within the banking industry for the past 15 years.
Vicki L. Schuler, who was promoted to the position of Senior Vice President & Controller, holds a certified public accountant designation and leads the Company's accounting function. She has been with German American for over 15 years, which followed her tenure in public accounting. Schuler previously held the position of vice president-controller with the Company. In her role as Senior Vice President & Controller, she oversees all aspects of financial and regulatory accounting and reporting.
Schroeder commented, "Our ability to fill each of these critically important positions from within our existing management team speaks volumes of our strong internal culture of preparing existing team members, from throughout the organization, to step into areas of additional responsibility. This ability and desire to promote from within the organization will allow us to perpetuate our culture of delivering exceptional customer service and building superior shareholder value, as we continue to expand geographically and begin to prepare for natural leadership succession."
posted 6/13/16
Join us for a Customer Appreciation Day in all German American offices throughout southern Indiana on Friday, June 24th. Read for more information.
posted 5/4/16
German American Bank backs Kimmell Park improvements
VINCENNES, Ind. - German American Bank has joined the growing number of community organizations backing Kimmell Park improvements in Vincennes.
Community and Vincennes University officials gathered along the riverfront of Kimmell Park on May 3 as German American Bank officials presented a $10,000 check for major improvements to the 1930's era riverfront park.
"German American Bank's commitment to this project and our community is truly remarkable. We are excited about the visible progress that is being made along the riverfront and encouraged by the increased traffic and visitors," said Phil Rath, vice president of Financial Services and Government Relations for VU. "This is going to be a wonderful place for our community - a place we can all be proud of."
German American Bank joins other backers of the park improvement project that include VU, the City of Vincennes, Knox County Community Foundation, Vincennes/Knox County Visitors and Tourism Bureau, and Old National Bank.
The goal of the park's backers is to invest an estimated $2.5 million into Kimmell Park to create an attractive and safe venue for community events as well as a year-round enjoyment of the riverfront for residents and visitors.
Visitors to the park can now enjoy a noticeably enhanced view of the riverfront. Over the past months, VU's revitalization efforts have included cleaning up the banks of the Wabash and removing the old trees that previously obstructed the view. Visitors can now appreciate the historic sites as far right as the Red Skelton Bridge and as far left as the George Rogers Clark Memorial.
"The partnership of the Vincennes business community, the City of Vincennes, and Vincennes University to revitalize Kimmel Park is a perfect example of effective collaboration to improve the spaces within Vincennes," states Joel Smith, regional president with German American. "Quality of life and quality of space are crucial areas of focus for economic development to attract students, residents, and young talent to our area. The German American team is proud to make a significant donation to this project and looks forward to enjoying Kimmel Park for many years to come."
Known as "game-changers" for communities throughout the nation, riverfronts enhance a sense of place and pride, attracting residents and visitors for outdoor recreation, relaxation, and community events. The Kimmell Park Revitalization Project also complements other nearby improvement initiatives, such as the development of the Heritage Trail along the riverfront, as well as Main Street and Second Street revitalizations.
Kimmell Park will help link several major riverfront neighbors: VU, the George Rogers Clark National Historical Park, the home of President William Henry Harrison, and the downtown area, which is the site of Indiana's first Main Street.
In the 1930s Kimmell Park was funded in part for President Franklin Roosevelt's Works Progress Administration jobs program. Following the construction of an attractive shelter house and other park facilities, the city park attracted families from southwest Indiana and became a tourist attraction.
But with tight city budgets through the years and additional parks and an aquatic center competing for limited funds, Kimmell Park visits declined and so did its attractiveness for recreation. With the goal of revitalizing the park and capitalizing on the riverfront, the City of Vincennes and VU worked cooperatively, agreeing to transfer ownership of the 8.5-acre Kimmell Park and adjacent 54-acre woodlands to adjacent VU, with covenants to ensure that the property remains a public park. VU pledged to lead efforts to make major improvements and enhance security using its VU Police Department.
VU is currently working with the Indiana Department of Natural Resources and agencies with jurisdiction over the levee to initiate a number of improvements designed to make the park more inviting. Soon the park's entrance will be greatly expanded, boat access improved, views of the river enhanced, and new trees planted, in addition to new lighting installed to enhance security and hours of usage. VU is also committed to ensure public access and protect the park's existing historical open shelter house and open fire pits that were constructed in the 1930s.
German American was founded in 1910 and offers banking, insurance, investment, and trust services throughout southern Indiana in 37 banking offices in 13 southern Indiana counties, including Knox, Daviess, Pike, Gibson, Martin, Dubois, Perry, Spencer, Monroe, Lawrence, Vanderburgh, Warrick, and Bartholomew. The company employees over 500 financial professionals with expertise in serving individuals and businesses with financial products and services.
VINCENNES UNIVERSITY - Indiana's First College
VU is state-supported with campuses in Vincennes and Jasper and additional sites such as Indianapolis and the Gibson County Center for Advanced Manufacturing and Logistics. A leader in developing Early Colleges statewide, VU also offers instruction at military sites throughout the nation.
In addition to offering a wide range of associate degree and certificate programs, VU also offers bachelor's degree programs in technology, homeland security, nursing, secondary education programs in mathematics and science, and special education/elementary education.
VU enrolls students from throughout Indiana, 35 other states, and 17 countries. Tuition and fees are the lowest among Indiana campuses with residence halls. VU is accredited by the Higher Learning Commission.
Founded in 1801, VU is Indiana's first college and is the only college in the nation founded by an individual who would later become President of the United States. William Henry Harrison, the ninth U.S. President, founded VU while serving as governor of the Indiana Territory. More information is available at www.vinu.edu.
posted 4/15/16
Why do you need higher auto limits?
While the minimum limits may provide the cheapest rate in the short term, they don't provide ample protection for what you value most.
Whatto consider when choosing your limits:
- Medicalbills add up.
While $100,000 might sound like a lot, it doesn't go veryfar if you've injured someone in an accident. Consider the costs of ambulanceride, the hospital stay, necessary tests and recovery expenses. The rising costof medical care means those limits will run out more quickly.
- Coverthe unexpected.
In 2014, there were 6.1 million police-reported crashes*,and every one of those people probably thought it would never happen to them.Out of those 6.1 million, 2.3 million people* were injured as a result. Theannual cost of medical care and productivity losses related to motor vehiclecrashes added up to more than $80 billion**.
- Protectyour future.
Even if you don't own a home or a nice car, you still needadequate protection. When your limits run out, you're still expected to paywhat's owed. If there are no assets to take that from, it will come out ofcurrent and future income until the debt is paid. Some states are allowed to take25% of a person's income if necessary.
- Theprice difference is minimal.
Just because you're tripling your liability limits doesn'tmean you're tripling your rate. In actuality, it may only be a $50 difference.Considering that means adequately protecting your family, your home and yourfuture income, that's not much extra.
RealSafeco® claims examples
1. Customer thoughthe was in drive, but was in reverse and ran into his friend as he moved hisvehicle. His friend sustained a serious fracture to her leg, requiring surgery.Her hospital stay, surgery and all treatment resulted in over $135,000 inmedical expenses. Our customer's limits were $100,000, leaving him with apotential of over $35,000 in out-of-pocket expenses.
2. Customer struck a 53-year-old pedestrian. The pedestrianwas taken straight to the hospital with multiple breaks and fractures and abruised intestine. He spent multiple weeks in the hospital, including emergencysurgery, a chemically induced coma and now has multiple plates and rodssupporting his limbs. He's also struggling with memory. His medical bills havetotaled $408,000 so far, not including recovery time. Our customer's limitswere $100,000, leaving him with a potential of hundreds of thousands inout-of-pocket expenses.
If these customers had higher limits and a Safeco Umbrellapolicy, they wouldn't have been left with these massive out-of-pocket expenses.
© 2016 Liberty Mutual Insurance
Sources: *U.S. Department of Transportation, NationalHighway Traffic Safety Administration: 2014 Crash Data Key Findings **Centers for Disease Control, InjuryPrevention & Control: Data & Statistics
posted 4/1/16
Safeco Insurance® honors German American Insurance with membership in the Safeco® Premier Partner Program
German American Insurance has been selected for membership in the Safeco Premier Partner Program, which recognizes the outstanding achievement and partnership of only the best agencies. Fewer than 10% of independent insurance agencies that sell Safeco personal lines products receive this distinguished honor.
At German American, we are please to be among the top agencies in the country! As a member in the Safeco Premier Partner Program, we will receive access to special resources and programs that will support us in serving our customers even better with expert advice. We strive to provide our customers with trusted guidance, so this Safeco honor makes us proud.
posted 3/24/16
Join us for a Customer Appreciation Day in all German American offices throughout southern Indiana on Friday, April 8th. Read for more information.
posted 3/22/16
Spirit of Jasper 5k Run/Walk and Duathlon is Saturday, May 7, 2016. Sign-up today! View the registration form.
German American is hosting a Blood Drive on Tuesday, March 15th from 10am-2pm at 645 Main Street in Tell City. To sign-up to donate, please contact Gretchen Lain or Tina Ziegelgruber at 812-547-7025 or visit redcrossblood.org.
2/25/16 - 2/26/16
Thursday, February 25 & Friday, February 26
Click here for more information.
All German American banking and investment offices will be closed.
All insurance offices will operating regular business hours.
Are you getting ready to search for a new home this spring?
Brush up on your mortgage knowledge by learning the definitions of these common home-buying terms.What is an appraisal?The appraiser determines the market value of the house you have chosen, based on its condition and selling prices of comparable homes in the area. This helps the lender decide a reasonable loan amount for the mortgage. An appraiser does not uncover a home's defects - this is the inspector's job.What is Title Insurance?Title Insurance is evidence of ownership of property. This is needed to uncover any potential problems with title (legal ownership) to the property. If no issues are found in the search, the title company issues you title insurance. Title insurance guarantees that the property you buy is as it is stated in recorded deeds, surveys, and other documents.What is PMI (Private Mortgage Insurance)?PMI may be required if the desired loan cannot be granted because it does not meet normal standards for the lender. The most common reason for this requirement is a down payment that is smaller than standard (usually around 20%). This insurance protects the lender from loss if a default occurs. It does not protect you, though it may allow you to qualify for a loan you could not otherwise get.
Tax Identity Theft Awareness WeekIt's that time of year - tax time. It's also a great time to get up to speed on tax-related scams. Here are two ways tax scammers might target you and what you can do about it:
Tax Identity Theft
This kind of identity theft happens when someone files a fake tax return using your personal information - like your Social Security number - to get a tax refund. Tax identity theft also happens when someone uses your Social Security number to get a job. You find out about it when you get a letter from the IRS saying:
- more than one tax return was filed in your name, or
- IRS records show wages from an employer you don't know
If you get a letter like this, contact the IRS Identity Protection Specialized Unit at 800-908-4490. You can find more about tax identity theft atftc.gov/taxidtheft and irs.gov/identitytheft.
IRS Imposter ScamsThis time scammers aren't pretending to be you - they're posing as the IRS. They call you up saying you owe taxes, and threaten to arrest you if you don't pay right away. They might know all or part of your Social Security number, and they can rig caller ID to make it look like the call is coming from Washington, D.C. - when it could be coming from anywhere. Leaving you no time to think, they tell you to put the money on a prepaid debit card and tell them the card number right away.
The real IRS won't ask you to pay with prepaid debit cards or wire transfers, and won't ask for a credit card number over the phone. When the IRS contacts people about unpaid taxes, they usually do it by mail. You can report IRS imposter scams to the Treasury Inspector General for Tax Administration (TIGTA) online or at 800-366-4484 and to the FTC atftc.gov/complaint.
Visit IdentityTheft.govIdentityTheft.gov is the federal government's one-stop resource to help you report and recover from identity theft. You can report identity theft, get step-by-step advice, sample letters, and your FTC Identity Theft Affidavit. These resources will help you fix problems caused by identity theft.
All German American banking and investment offices will be closed.
All insurance offices will operating regular business hours.
WINTERIZE YOUR HOME TIPS• Clear rain gutters, repair roof leaks and cut away tree branches that could fall on a house, barn, shed, or other structure during a storm.
• Extend your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows and installing storm windows or covering windows with plastic.
• Maintain heating equipment and chimneys by having them cleaned and inspected every year.
• Insulate pipes with insulation or newspapers and plastic. Allow faucets to drip a little during cold weather to avoid freezing. Running water, even at a trickle, helps prevent pipes from freezing.
• All fuel-burning equipment should be vented to the outside and kept clear.
• Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
• Learn how to shut off water valves (in case a pipe bursts).
• Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow or water, if drains on flat roofs do not work.
CARBON MONOXIDE HAZARDSThe primary hazards to avoid when using alternate sources for electricity, heating or cooking are carbon monoxide poisoning, electric shock and fire. Carbon monoxide can be deadly, so prepare your home with these tips:
• Never use a generator, grill, camp stove or other gasoline, propane, natural gas or charcoal-burning devices inside a home, garage, basement, crawlspace or any partially enclosed area. Locate the unit away from doors, windows and vents that could allow carbon monoxide to come indoors.
• Install carbon monoxide alarms in central locations on every level of your home and outside sleeping areas to provide early warning of accumulating carbon monoxide.
• If the carbon monoxide alarm sounds, move quickly to a fresh air location outdoors or by an open window or door.
• Call for help from the fresh air location and remain there until emergency personnel arrive to assist you.
Christmas Eve - December 24, 2015
Banking offices will close at 12:00 P.M.
Investment offices will close at 1:00 P.M.
Insurance offices will be closed all day.
Christmas Day - December 25, 2015
All German American offices will be closed.
Saturday, December 26, 2015
All banking offices will resume normal business hours.
New Years Day - January 1, 2016
All German American offices will be closed.
Matt Eckert join German American's East Region Advisory Board. Click here to read the press release.
German American Insurance announces that Jake Alexander has earned his Certified Insurance Counselor designation. Click here to read the press release.
Thanksgiving Holiday HoursAll German American offices will be closed on Thanksgiving Day.
Banking offices will resume normal business hours on Friday.
Investment offices will close at 1:00 PM on Friday.
Insurance offices will be closed on Friday.
German American Insurance retains its status as a Best Practices Agency for the third year in a row. Click here to read the press release.
German American Bancorp, Inc. and River Valley Bancorp announce definitive merger agreement. Click here to read the press release.
All German American offices will be closed on Monday, September 7th in recognition of Labor Day.
German American Investment Services September Newsletter
Mark Franklin named German American's North Region President. Click here to read the press release.
German American Investment Services August Newsletter
Join us for a Customer Celebration Day at our Newburgh Epworth Road location on Friday, August 7 from 11am - 2pm. Stop in for refreshments, food, prizes and fun! Click here to learn more.
Join us for "Family Fun before the Fair" at our Tell City Rivergate office on Thursday, July 9 from 11am - 2pm. Stop in for food, fun and prizes! Click here to learn more.
German American Investment Services July Newsletter
Independence Day Weekend Hours
Friday, July 3rd - All banking and insurance offices will be open. Investment offices will be closed.
Saturday, July 4th - All German American offices will be closed.
Join us for a Customer Celebration "Party in the Park" at our Vincennes 3rd Street location on Thursday, July 2 from 11am - 1:30pm. Stop in for food, fun and prizes! Click here to learn more.
Joins us for a Customer Celebration Day at our Evansville Hebron Avenue office on Friday, June 19 from 11 a.m. - 1 p.m. Stop in for refreshments, food and fun! Click here to learn more.
Join us for a Customer Celebration Day at our Evansville Vogel Road office on Wednesday, June 17 from 11 a.m. - 2 p.m. Stop in for food, fun and prizes!Click here to learn more.
German American Investment Services June Newsletter
All German American banking, insurance and investment offices will be closed on Monday, May 25 in observance of Memorial Day.
German American Investment Services May Newsletter
Spirit of Jasper 5k Run/Walk and Duathlon is Saturday, May 9, 2015. Sign-up today! Click here to view the registration form.
German American Investment Services April Newsletter
All banking and insurance offices will be open all day on Good Friday. All investment offices will be closed on Good Friday.
It is very important that you DO NOT respond to scam phone calls.
Scammers auto dial thousands of random phone numbers, use our German American name, or another bank name, as the caller identity, and entice you to respond with your personal, private information. Since these calls are randomly auto dialed, scammers do not hold any private, personal information about you. They only gain your private, personal information when you respond to scam phone calls and give them your information.
IF YOU RESPOND TO A SCAM CALL USING OUR GERMAN AMERICAN NAME, be sure to call us immediately at 800-482-1314 . There is no need for you to call us to inform us that you have received a scam call. We only need to hear from anyone who responded to the call with their private, personal information.
Rest assured that these scammers only obtain any of your private, personal information if you respond to these calls. Your help in not responding to these types of calls is very important.
Protect your personal, confidential information and never respond to scam calls or text messages. Your German American team is always here to help and we value the trust you place in us and appreciate your loyalty.
March is National Umbrella Month! There's a different kind of umbrella that our insurance professionals are interested in. Click here to learn more about umbrella insurance.
German American offices in Perry and Spencer Counties are closed today due to the significant amount of snow received in these counties. All other German American offices are operating normal business hours. Please use caution when traveling throughout southern Indiana today.
German American Investment Services March Newsletter
All German American offices will be closed on Monday, February 16th in observance of Presidents' Day.
Join us for a Customer Celebration Day at our Columbus office on Friday, February 13th. Click here to learn more.
Join us for an Open House at our Petersburg office on Friday, February 6th from 10 AM - 3 PM. Stop by and view our newly remodeled banking, insurance, and investment office, enjoy refreshments, and register for prizes! Click here to learn more.
German American Investment Services February Newsletter
Our Petersburg insurance team is moving across the street! The insurance team is joining offices with the banking and investments office at 305 E. Main Street. Click here for more details.
All banking and investment offices will be closed.
Insurance offices will be operating normal business hours.
German American Investment Services January Newsletter
CHRISTMAS HOLIDAY HOURSChristmas Eve - December 24, 2014
Banking offices will close at 12:00 P.M. Investment offices will close at 1:00 P.M. Insurance offices will be closed all day.
Christmas Day - December 25, 2014
All German American offices will be closed.
All German American locations will resume normal business hours on Friday, December 26, 2014.
It is very important that you DO NOT respond to scam phone calls.
Scammers auto dial thousands of random phone numbers, use our German American name, or another bank name, as the caller identity, and entice you to respond with your personal, private information. Since these calls are randomly auto dialed, scammers do not hold any private, personal information about you. They only gain your private, personal information when you respond to scam phone calls and give them your information.
IF YOU RESPOND TO A SCAM CALL USING OUR GERMAN AMERICAN NAME, be sure to call us immediately at 800-482-1314 . There is no need for you to call us to inform us that you have received a scam call. We only need to hear from anyone who responded to the call with their private, personal information.
Rest assured that these scammers only obtain any of your private, personal information if you respond to these calls. Your help in not responding to these types of calls is very important.
Protect your personal, confidential information and never respond to scam calls or text messages. Your German American team is always here to help and we value the trust you place in us and appreciate your loyalty.
Thanksgiving Holiday Hours
All German American offices will be closed on Thanksgiving Day.
Banking offices will resume normal business hours on Friday.
Investment offices will close at 1:00 PM on Friday.
Insurance offices will be closed on Friday.
Click here to learn tips on how to prepare for winter weather.
Join us for a Customer Celebration Day on Friday, November 14th from 11 AM - 1 PM at our Oakland City office. Stop by for food, fun and prizes! Click here to learn more.
Join us for the Washington Kid's Fall Festival on Monday, October 27th from 5-7 PM. Kids and families, stop by for a fun evening of games, food and fun!Click here to learn more.
Join us for a Customer Celebration Day on Friday, October 17th at ourWinslow location and all 9 locations in Dubois County . Stop by to enjoy food, fun and prizes! Click the location name to learn more.
All of our banking offices will be closed. Our Insurance, Investment and Trust offices will be open normal business hours.
Join us for a Customer Celebration Day on Friday, October 10th from 11:00 AM - 2:00 PM at our Princeton location . Stop by to enjoy food, fun and prizes! Click here to learn more.
Valuable Estate Planning Information
At German American, our goal is to help you make smart financial decisions through out your life. The following Estate Planning Article recently published on CNBC.com provides valuable information on the importance of estate planning. As always, contact the Investment and Trust professionals at German American when you need direction and guidance.
There's a common misperception that estate planning is reserved for the wealthy, as an attempt to shield assets from the grasp of Uncle Sam—but nothing could be further from the truth.
In fact, estate planning is giving what you have to whom you want, the way you want, when you want and with the least amount of taxes and expenses possible.
Keep in mind that your estate is anything you own or have control over. That would include equity in your house, retirement accounts, a business or the proceeds of a life insurance policy. The manner in which you title these assets can have a profound financial and emotional impact on the beneficiaries.
In truth, everybody already has an estate plan—some voluntarily; others involuntarily. A will is a legal declaration that names the person who will distribute an estate and determines the recipients. It is generally recommended that everybody, regardless of circumstances, delineate their desires in a will.
In the cases of those who die without a will and have assets that exceed debts and funeral expenses, their estates will be subject to "intestacy," a process whereby state laws determine how the assets are distributed.
In this instance, lineage usually takes precedence over what the decedent would have preferred. It has a tendency to stray from common sense and cause family discord, and it should be avoided.
Failure to execute a plan can have dire consequences. A married couple with two children may have sufficient life insurance and a will that leaves all the assets to a surviving spouse. Should the husband pass away, his surviving spouse and their children are provided for properly.
However, if his widow remarries, puts her assets in joint name and then predeceases her second husband, her children from her first marriage are effectively disinherited—because assets in joint name pass by way of contract and usurp the terms of a will.
Instead, parents can establish a revocable living trust that segregates any existing assets from those of a future new spouse and protects their own children from the negative impact of a second marriage. A deceased parent, in essence, can govern from the grave.
Trustees responsible for managing such trusts have a fiduciary responsibility to adhere to their terms and are personally liable if derelict in their duties.
A living trust also sets the terms according to what the parent thinks is in his or her children's best interest. If I'd inherited $500,000 when I was 18, I would have had a red, shiny Porsche—not all beneficiaries are prepared to manage a lump sum at a young age. My living trust, therefore, pays for all of my son's college expenses but will only match his W-2 income if he doesn't graduate.
Who are your beneficiaries?
If a child is one, who makes decisions on his or her behalf? It's also not unheard of for ex-spouses to inherit life insurance benefits long after the divorce. Where is your will, and would your family be able to find it? If the will is locked in a safe deposit box, how would the executors prove they have the authority to access it—especially if that authority is, ironically, granted in the locked-up will itself?
For those who are self-employed, who will run your business if you pass away? How much is it worth? Are you just guesstimating?
A business is an asset that could disappear without establishing a value while the owner is still alive. If there is more than one owner, they can each own life insurance on the other and agree to use the death benefit to buy out the decedent's share of the business at a predetermined price, ensuring the family receives its fair share.
Finally, there is a matter of estate taxes. Federal estate taxes are not due if the estate is valued at less than $5.34 million in 2014. Moreover, a surviving spouse can inherit an unlimited amount of money.
That sounds like a lot, but check your state to see if it has a death or inheritance tax. Half of all states impose a tax on estates at thresholds much lower than the federal allowance, with many ranging between $1 million and $2 million.
Why is this important? If you're single, have a $500,000 401(k) plan account, $250,000 in home equity and a $1 million life insurance policy, you may not feel rich, but your estate is worth $1.75 million. In some states, your beneficiaries would have to write a check to the state treasury.
Fortunately, these circumstances can easily be avoided with the proper planning, and you'll likely sleep better at night when the process is complete. It's advisable to use an estate-planning attorney, as these matters require the attention of a specialist. While none of us will live forever, all of us—without question—should plan for a smooth transition upon our death.
—By Ivory Johnson, special to CNBC.com. Johnson is the founder ofDelancey Wealth Management .
IMPORTANT INFORMATION: You are most likely aware of the recent news surrounding The Home Depot data breach. German American has sophisticated fraud detection software in place which monitors the situation closely to help prevent fraudulent activity on your check card and/or credit card with us. We will contact you if we notice any unusual transactions. In the meantime, please check your account activity and statements closely and contact our Customer Service Team at 800-482-1314 if you see unusual account activity. Our online banking and mobile banking products give you 24/7 access to your accounts, which makes it convenient to monitor your accounts on a consistent basis.
Join us for a Customer Celebration Day on Friday, September 26th at ourPetersburg and Columbus locations. Stop by to enjoy food, fun and prizes! Click the location name to learn more.
Join us for the Fall Festival & Customer Celebration Day on the evening of Monday, September 22nd at our Odon Cannelburg office. Click here to learn more.
Join us for a Customer Celebration Day on Friday, September 19th at the following locations: Evansville Highway 41 North , Loogootee and Washington.
Join us at our Tell City Main Street location for our annual Shred Day and Customer Celebration Cook-out on Friday, September 12. Stop by to shred your important documents and enjoy the food and fun! Click here to learn more.
Hey, Vincennes kids and families! Join us on Tuesday, September 9th for our annual "Kids on the Move" Event. Click here to learn more.
Join us for a Social Security Workshop in Bloomington on September 4th or 11th. Choose the date that works best for you! Click here to learn more.
Join us for a Customer Celebration Day at our Evansville St. Joseph Avenue location on Thursday, August 28, 2014! Click here to learn more.
Join us for a Customer Celebration Day at our Evansville Lynch Road location on Friday, August 29, 2014! Click here to learn more.
Join us for a Customer Celebration Day at our Newburgh Epworth Road location on Friday, August 15, 2014! Click here to learn more.
German American announces 5 new promotions: click here to learn more.
German American Bancorp, Inc. to Present at KBW Community Bank Investor Conference on Tuesday, July 29, 2014. Click here to learn more.
Join us for a Customer Appreciation Cookout at our Evansville Hebron Avenue location on Friday, July 11, 2014! Click here to learn more.
Join us for Family Fun Before the Perry County Fair in Tell City on Thursday, July 10, 2014! Click here to learn more.
German American Investment offices will be closed at 1:00 p.m. on Thursday, July 3rd. All German American offices will be closed on Friday, July 4th. Our banking offices will resume normal business hours on Saturday, July 5th.
You may be aware of the recent scam phone calls that fraudulently use our German American name as the caller identity.
It is very important that you DO NOT respond to these scam phone calls.
These scammers auto dial thousands of random phone numbers, use our German American name as the caller identity, and entice you to respond with your personal, private information. Since these calls are randomly auto dialed, these scammers do not hold any private, personal information about you. They only gain your private, personal information when you respond to these scam phone calls and give them your informations.
IF YOU HAVE RESPONDED, be sure to call us immediately at 800-482-1314. Since we are highly aware of these calls, there is no need for you to call us to inform us that you have received a scam call. We only need to hear from anyone who responded to the call with their private, personal information.
Rest assured that these scammers have not obtained any of your private, personal information from us and that we have contacted the proper authorities to help us attempt to shut down these scammers. Your help in not responding to these calls is very important.
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We have received reports that scam phone calls using the German American name are happening again. This is a scam and authorities have been notified. PLEASE DO NOT REPLY TO THESE PHONE CALLS AND TEXT MESSAGES. They are only using our name and have not accessed any secure information. Share this with your family and friends so everyone is informed to not respond to these type of scam calls.
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While it may appear that the scammers who conducted the many phone calls and text messages these past few days have captured bank information, this is merely an illusion the scammers prey upon. Please read Indiana State Police Officer Philip Hensley's explanation of how these scammers operate.
A number of folks have asked how the scammer would have obtained your phone number or knew that you banked at German American Bank, so I will explain what exactly is going on, and be sure to pass this on so others will understand.
First of all, understand that in a scam like this, GAB was not hacked, nor did they have a breach of security. Their information, which is YOUR information, is still intact and secure. The scammer is using a computer with a number generator that systematically dials every phone number in a particular phone code (such as numbers local to Jasper) and then plays the same computer generated recording... I have heard the message (my wife and I were both called). If you press "1" like the message asks, it begins recording the next 16 numbers you enter for your card number.
The long and short of it is that you are not individually targeted; by using a computer, the scammer can attempt to gain more victims in a shorter period of time.
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Our Bloomington 9 North office needs to remain closed today. Friday should be the day we reopen! Our team is anxiously waiting to serve our customers at our 9 North office tomorrow.
Our 9 North Office in Bloomington will remain closed today. We anticipate opening as usual tomorrow and will keep you posted.
Our 9 North Office in Bloomington will be closed today due to electrical issues. The electric company are working to restore electricity to our office and we are hoping we can open later today or tomorrow. The phone lines to our 9 North Office are not operating, so please use our toll free number 800-482-1314. If you dial either the 812-355-2265 or 812-355-6050 numbers, you will receive a busy signal. Please use our South College and 3rd Street offices in Bloomington for your financial needs. We'll keep you posted when our 9 North office will reopen.
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text:
Landmark hotel to reopen ahead of schedule
There are 21 comments on the The Indianapolis Star story from May 10, 2007, titled Landmark hotel to reopen ahead of schedule. In it, The Indianapolis Star reports that:The century-old West Baden Springs Hotel is set to have its grand reopening in two weeks following a multimillion renovation in conjunction with development of the nearby French Lick casino.
Join the discussion below, or Read more at The Indianapolis Star.
#1 May 10, 2007
How do you get invited to the black tie event? I'd love to go
#2 May 10, 2007
Good. Wonderful. Glad to hear it. But I don't like gambling. Gambling in Indiana should be outlawed, and that includes the state lottery. But if your going to have legalized gambling, stop busting the little guys playing poker. You can't have it both ways.
#3 May 10, 2007
It's a great day for the people of Orange County who haved worked so hard for decades to realize this dream. Mr. Cook deserves credit for great vision and investment. I hope the results live up to the (probably elevated) expectations and that the negative side effects (there will be some) will be kept to a minimum through excellent management and civic cooperation and vision.
United States
#4 May 10, 2007
You probably have to be wealthy.
United States
#5 May 10, 2007
Ive been in awe of this spectacular landmark since I first toured it over 25 years ago. Even in complete disrepair, you could close your eyes and imagine what it was like when the hotel was in its glory.
Ive witnessed several failed renovation attempts, followed by the restoration of the dome and stabilization of the hotel. I cant wait to see it as a fully functioning resort. Thank you Mr. and Mrs. Cook for saving this wonderful place!
United States
#6 May 10, 2007
Check out www.historiclandmarks.org/news/news.html
The article says the cost is $250 per person, very reasonable considering it is a black-tie charity event.
There is contact information in the article if you want to attend.
Saint Joseph, IL
#7 May 10, 2007
We'll check back with you in ten years to see how you feel then. This can only go one of two ways; fail miserably and cost us a lot of money or succeed and cause over-developement. Either way, Orange County is going to have the blues.
Saint Joseph, IL
#8 May 10, 2007
Well at least the new hotel will have something in common with the old one. It was built to lure in suckers who were willing to pay good money to sit in water and the new one will be counting on a new breed of suckers. Lady luck is a hooker.
United States
#9 May 10, 2007
You sir, are a pessimistic jackass. Nothing is going to cost you anything whether the hotel succeeds or fails.
The draw to this hotel has little to do with gambling. In fact in order to gamble, youll have to travel off the grounds to the casino located closer to the French Lick Resort. The attraction is the facility itself and the beautiful surroundings.
I get so tired of listening to negative and uninformed idiots with moronic opinions yammering about subjects in which they have no knowledge.
United States
#10 May 10, 2007
Irsays Budy, the "****" was censored, [email protected]
#11 May 10, 2007
Its great that the hotel is being renovated. But don't let Bill Cook fool you. Every dollar he "donates" gets paid back to him, so his charity doesn't come without a price tag.
And I'll be interested in hearing reviews of the hotel experience after the opening. My guess...a stay at virtually any downtown Indy hotel would have been more luxurious, and without the price tag and long drive.
#12 May 10, 2007
I attended Northwood Institute when it was located within the hotel back in the 70's and early 80's. If you have never seen this place in person, get in your car as soon as possible and get down there. You will not believe your eyes. A huge round of thanks to the Cooks for saving this historic gem.
#13 May 10, 2007
Please, people. This is a treasure of the State. No gambling takes place in West Baden; any development at all in Orange County is good. It's a beautiful area and it's a marvelous restoration. Years ago my wife's mother told us of times she and her family would drive from Terre Haute to visit the hotel. She remembered sitting under the dome on wrought iron chairs eating ice cream. We toured it years ago, and JBP is right, even in disrepair it was interesting. Do all Hoosiers a favor, quit whining and visit this historic landmark.
#14 May 10, 2007
I saw it two weeks ago for a special tour.
What a sight.
Gambling is not it's big draw. In fact, the casino in the area (actually down the road aways) is quite small and mundane compared to others in Indiana. West Baden Springs will be a resort with great grounds, pools, cuisine and with championship golfing and other attractions. It will also be high priced to stay ...from $180 and way up per night.
As I understand, little public money is involved.
Thank you Cooks Group.
Will the rich and famous come back here again?
#16 May 10, 2007
West Baden/French Lick is a resort that happens to have a casino.
The other casinos in the state are pure casino plays that have a sprinkling of resort type activities.
FL/WB is a unique experience and doesn't compare well with the other casinos. Very nice but, you need to bring your wallet.
#17 May 10, 2007
It sounds expensive and it is. But it is not nearly as expensive as other resorts I have seen advertized. It is expensive for Indiana-but not when you compare it to New York, LA, Miami Beach, etc., etc...
I think the Cooks have done a great job-and think of the income that has already been pumped into the region during construction.
I wish for and hope for the best and can testify that the hotels-both of them--are a great experience to see.
Someone complained that they are for the rich. Well, if the rich come and leave their money in French Lick, that is just fine with me.
I'll just go down and watch.
United States
#18 May 10, 2007
Yep, Cook will get some tax relief and hes not trying to fool anyone. By the way, if you donated money to charity, you would get a tax deduction, too. Lets say you did; whom would you be fooling? The law exists to encourage people to donate.
My guess his return on investment isn't monetary. He took a huge gamble restoring the hotel and grounds because he fell in love with it, just as most people do when they see it. He has a love of history and architecture and the wherewithal to save this fantastic treasure that was literally crumbling. If I had his wallet, I would do the same thing.
You have obviously never been to West Baden or you wouldn't compare it to an Indianapolis downtown hotel. It is a resort located on magnificent grounds, not a downtown business hotel. Ive traveled the world and there really isnt any place that compares to it. Hopefully, people will find it and it will be successful.
Again sir, you are another in a long series of pessimistic [email protected] who know absolutely nothing about the subject but insist on posting your uninformed negative opinions. Find a topic you know something about or shut the f up.
United States
#19 May 10, 2007
Miracles do happen for those who believe. Thanks to the Cook's and to the workers who restored this magnificent building.
#20 May 10, 2007
So glad the old hotel has been refurbished...attended many Business & Professional Women's Club State Conventions there...!
It is truly a landmark!
#21 May 10, 2007
This place simply blows me away!
Yes, it will be expensive to stay just one night but I believe if you just go there for the sake of its' historical value, the trip has been worth taking once.
I don't gamble or golf,(another attractive feature with it's new PGA course) but I'll splurge a time or two in "The Valley".
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text: Two years ago, a company started looking into the potential for placing wind turbines along Mt. Harris in Dixmont. Since then, local residents have been talking about what that could mean for them– and Thursday, the issue comes to a vote.Mt. Harris Wind had plans to build about ten turbines along this ridge in Dixmont, says project partner Andrew Price."We have suspended activity, permitting activity, for basically the past year to allow the town to research and develop an ordinance that will be voted on this Thursday," Price says.For the past nine months, the Dixmont planning board has been researching the effects of industrial turbines on nearby residents. The ordinance they've written sets technical requirements for the sound and shadow flicker they produce, the distance to other structures, and other regulations.Planning Board Chair Stuart Cohen says they hadn't always heard good things from facilities in other towns."We see neighbors saying, 'It's not what I expected, the sound is different. I was told it's not going to be like this,' and unfortunately, that's the problem we have tried to address in Dixmont," Cohen says.Price says, if passed, the ordinance would essentially prohibit them from putting turbines anywhere in the area– and sends the wrong message about wind power in Maine."It's not an ordinance that will allow any wind development to occur, because there's no property in Dixmont that can satisfy these restrictions. That may have been the intent of the ordinance," Price says.Cohen says that's not the case."It provides for the responsible development of it. And if responsibility is restrictive, then so be it. But the public's health, safety and welfare is the crux of what this ordinance is meant to address," Cohen says.Voters will decide the issue at a special town meeting Thursday night. It starts at seven at the Etna-Dixmont school.To read the Dixmont Wind Energy Facility Ordinance, click here.


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In the early eighties, Filiberto and Genoveva Arias came to America with a dream. Arriving from Putla, Oaxaca, Filiberto obtained a position in a local restaurant and Genoveva worked as a seamstress in a nearby factory. To make ends meet, Filiberto would cook "crispies" and sell them to the factory workers at lunchtime. From these humble beginnings, Charrito's Restaurant was established on July 19, 1992, in Union City, New Jersey, offering a cuisine that is primarily inspired by many traditional favorites from Oaxaca. Charrito's also offers a wide variety of rich plates native to Mexico's adjoining 31 states. Although, its menu and its appearance has often changed in the past decade, the quality of Charrito's cuisine and our dedication to providing an authentic Mexican dining experience remains the same.
|Venue name:
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- 1 star:1
I had the worst experience I have EVER had at a restaurant in my entire life. I have been to restaurants all over the country and have been to some places that were inexpensive but humble all the way to places that are five star restaurants, and your establishment is the worst. From the moment we arrived to the small lot with barely any parking, I should have taken this as a bad sign. Once inside, there were three hostesses who were all extremely rude and condescending. They were not accommodating of us because we were a party of five and claimed there was an hour wait when there were clearly many tables open and a couple of large tables that were finishing up their meals. They continued to be rude and arrogant. When we finally asked to speak to the manager, who miraculously found a table for us immediately, we were seated with the rudest, nastiest waiter, if he could even be called that. He never asked if we needed anything. After being seated for ten minutes without any water, I asked for water and was given an attitude. Then he only brings four cups instead of five, so when I mention we were missing one cup, he comes back with it and hands it to me in a condescending fashion with a smirk on his face. For someone who works for tips, he did not seem to want one. When I asked for my order, he did not mention the options of refried or black beans. He did not ask around the table if we wanted anything to drink. He was off in the corner playing on his phone. We finally had to start asking the bus boys for help. He never asked how was the food when it came out. The food was tough, over-cooked, and skimpy considering the notable price each plate has. The waiter ignored us the entire time. I do not pay good money for awful service, to be lied to my face about the wait time, and I will tell everyone I know about how poorly trained the hostesses and the old waiter with the glasses are. This is unacceptable.


text:
Picnic Potato Salad
Pity the poor fellow at the end of the serving line who misses out on the potato salad, one of the most anticipated dishes at any picnic. With so many variations of potato salad around, everyone seems to have a favorite style. This recipe, a familiar and popular standard, calls for hard-cooked eggs, onion, celery, dill pickles and mayonnaise. Serve it well-chilled, perhaps setting the salad bowl into a large bowl of ice for the best flavor, freshness and safety.
- Serves
- Makes 10 servings (1/2 cup each)
1. Place potatoes in a large pot and fill with cold water. Add salt, if desired. Bring to a boil. Simmer for 10 minutes or until potatoes are fork-tender. Drain well. Transfer to a large bowl and let cool for 10 minutes. Stir in eggs, onion, celery and pickles.
2. In a small bowl stir together mayonnaise, mustard, pickle juice, salt and pepper. Fold into potato mixture. Cover and refrigerate at least 8 hours.


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Match Report
17:00 12th December 2009
Report: Royals held by the Iron
Reading 1 (Rasiak 16)
Scunthorpe 1 (Hooper 80)
The Royals were held to a draw by Scunthorpe United on Saturday afternoon, as Gary Hooper's second half strike made for a frustrating result at Madejski Stadium.
Grzegorz Rasiak's sixth goal of the season had given the home fans plenty to cheer about in the first period, but after seeing a series of chances go begging Brendan Rodgers' men were made to pay
with just eleven minutes remaining.
Lady luck was not on their side as first Alex Pearce and then Gylfi Sigurdsson rattled the woodwork, but despite boasting the majority of the possession Reading couldn't find a way through before the full time whistle.
Reading (4-3-3): Federici; Cummings, Tabb, Ingimarsson (c), Pearce; Cisse, Matejovsky, Sigurdsson; McAnuff, Robson-Kanu (Kebe 65), Rasiak
Subs: Hamer, Armstrong, Mills, O'Dea, Karacan, Gunnarsson
Booked: Rasiak, Cisse
Scunthorpe (4-5-1): Lillis; Jones (c), Williams, Byrne (Wright 59), Mirfin; Togwell (O'Connor 66), Wright, Thompson, McCann, Hayes; Hooper (Forte 89)
Subs: Slocombe, Friend, Spence, Sparrow
Booked: Byrne, Wright, O'Connor
15,274 (395 away)
First Half
Brendan Rodgers made three changes from Tuesday night's defeat to Crystal Palace, with Brynjar Gunnarsson, Jimmy Kebe and illness victim Ryan Bertrand replaced by Shaun Cummings, Hal Robson-Kanu and Gylfi Sigurdsson.
November's player of the month Sigurdsson looked bright after his midweek rest and instantly began to show his form, cutting in from the right three minutes in before lashing a shot just wide of goal.
Jay Tabb was handed a new role on the left of defence and looked comfortable as he foraged forward after seven minutes, feeding Jobi McAnuff whose low cross was almost converted into an own goal as Rob Jones sliced over.
If Jobi's wing play is considered the norm then a mazy dribble from Ivar Ingimarsson is somewhat of a rarity - but the big Icelander surprised all as he drove into the Scunthorpe half moments later, passing a handful of players before swinging a pinpoint cross to Rasiak at the far post - who headed over.
The Iron did respond briefly as Gary Hooper broke into the left hand side of the area, but was denied by a brave diving stop from
Adam Federici
However it was the home side who took the lead sixteen minutes in, as
Grzegorz Rasiak
nodded home his sixth goal of the season. The catalyst was Marek Matejovsky, whose brilliantly disguised reverse pass found Robson-Kanu - allowing the youngster to cross for our Polish targetman to head home at the far post.
The lead was almost doubled seconds after the restart as Gylfi Sigurdsson forced a smart save out of Josh Lillis, before McAnuff came inches away from converting the rebound.
Hooper again tried to rally his side with a long range effort that was held by Federici, whilst at the other end a beautifully struck Sigurdsson free-kick was acrobatically tipped round the post by Lillis - an truly outstanding save.
From the resulting corner kick Alex Pearce smashed the ball against the crossbar after United failed to clear their lines following a goalmouth scramble - and the Royals were looking odds on to extend their lead.
They almost did so with a wonderfully crafted move started from the centre back position with Pearce, Matejovsky and Robson-Kanu both involved before Rasiak came within inches of converting a ball across the six-yard-box.
Second half
Brendan Rodgers' side picked up where they left off in the second period, as some scintillating play by McAnuff eventually found Sigurdsson unmarked 12 yards from goal - but the Icelander's effort was again brilliantly saved by the United 'keeper.
Federici had to be alert to cut short an Iron breakaway moments later as Paul Hayes almost went clean through on goal, whilst Sigurdsson scooped a shot over the bar at the other end after a well-placed knock down from Rasiak.
The Royals' leading scorer came close to bagging a brace after 63 minutes, as he headed goalwards from Sigurdsson's cross - only to see the highly impressive Lillis make another reaction stop, this time getting down low superbly.
Substitute Jimmy Kebe dragged wide after latching onto a well timed through ball from Jay Tabb, though in truth the tempo was dropping as the game wore on.
The lively Sigurdsson did spin and fire wide in a crowded penalty area after Jobi Mcanuff had escaped the attentions of the United back four, and Jobi continued to torment the back line as time after time he drove straight at the defence.
However the next goal would come against the run of play, as Scunthorpe equalised with ten minutes remaining. A ball into the heart of the area eventually found its way to
Gary Hooper
- who kept his composure to slot home from six yards.
That forced Reading to desperately push for the winner, as Ingimarsson again showed his ability to take the ball forward, releasing Kebe down the right hand side. The Malian's cross worked its way to Sigurdsson - but he could only strike over from inside the 18-yard box.
Gylfi seemed to be at the heart of everything, as he crashed another free-kick against the crossbar in the 87th minute after McAnuff had once again forced a foul on the edge of the area.
Nothing seemed to be going in favour of the home side as Jobi headed wide from a tight angle after another probing Kebe cross, though at the other end they were dealt a slice of fortune as Iron substitute Jonathan Forte danced past two Royals defenders before somehow clipping his shot wide of the post with only Federici left to beat.
Lillis did well to hold on to a stoppage time Jimmy Kebe drive with Kalifa Cisse ready to pounce on any fumble, and that was to be the last action of the game as referee Mr Bates called time on a frustrating afternoon at Madejski Stadium.
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Call, 5036238034, 2290 E Ellendale Avenue, Dallas, OR Faith Evangelical Free Church offers worship services and programming for kids, adults, and teens. We
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mburtonGEO's curator insight, July 11, 2013 5:16 PM
This article shows how well google earth represents and shows different aspects of the world. It would be really neat to use google earth in the classroom with students when you are talking about a place on the planet that google earth can show you