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StartUpHire is the place to find Senior-Sales-Manager jobs in and near . Review the list below of Senior-Sales-Manager jobs. These Senior-Sales-Manager jobs represent some of the most rewarding careers available. You can refine your job search for Senior-Sales-Manager jobs in by adding a job title, company name, or keyword to the search box above … or click the "Advanced Search" link for more options. Don't see the employment opportunity you're looking for? Check back soon for more Senior-Sales-Manager jobs in , or sign up for an email alert (link in upper left) to receive periodic updates on new Senior-Sales-Manager jobs in , .
Raydiance is seeking to hire a Senior Sales Manager in the Medical Device manufacturing sector. The position requires significant experience selling manufacturing capital equipment and knowledge of advanced medical devices. The candidate will play a key role in the Raydiance5/4/2015 Petaluma, CA Save This Job
Powerhouse Dynamics, a leader in the field of energy and asset management based in the Boston area, is looking for a highly motivated and passionate Regional Sales Manager (RSM) based in southern CA to drive the company's growth in the Western region.4/28/2015 CA Save This Job
The Senior Product Manager will be a subject matter expert for our client and field team facing tools, reporting and analytics. The product manager will analyze and understand the digital ad ecosystem, and provide guidance to the organization on important6/27/2015 New York, NY Save This Job
Quantcast is looking for a talented and high energy individual to be Senior Communications Manager. As part of Quantcast's Marketing team you will work on one of the most exciting and important aspects of our company – our brand. You will join6/15/2015 San Francisco, CA Save This Job
Quantcast, a revolutionary audience intelligence and addressable advertising service, is in hyper growth mode and expanding its field sales team. Because of our aggressive plans for expansion, this player/coach role will be carrying a number while managin5/19/2015 New York, NY Save This Job
At Pandora, we're a unique collection of engineers, musicians, designers, marketers, and world-class sellers with a common goal: to enrich lives by delivering effortless personalized music enjoyment and discovery. Peopleâthe listeners, the artists, and our employeesâare6/9/2015 New York, NY Save This Job
Yapta?s groundbreaking solutions ? FareIQ & RoomIQ ? are Intelligent Price Tracking for corporate travel. FareIQ & RoomIQ dynamically monitor price variations on ticketed airfare and on booked hotel, sending instant alerts when savings are significant enough to rebook. The Yapta6/26/2015 Seattle, WA Save This Job
Job Details Level Undisclosed Salary Range Undisclosed Job Location USA-GA-Atlanta Travel Percentage Undisclosed Position Type Undisclosed Job Shift Undisclosed Education Level 4 Year Degree Job Category Undisclosed Description The Senior Product Manager has a key role in5/29/2015 Atlanta, GA Save This Job
Location: Northeast Region, USA Aternity is seeking a goal-driven, enthusiastic senior level software sales professional to focus on building revenues through direct customer contacts in the company?s Northeast Region by selling Aternity?s Workforce APM solution through direct5/25/2015 Westborough, MA Save This Job
Location: Southeast Region, USA Aternity is seeking a goal-driven, energetic senior level Sales Manager focused on building revenues through direct customer contacts in the company?s Southeast Region, by selling Aternity?s Workforce APM solution through direct customer contacts5/25/2015 Westborough, MA Save This Job
Location: Midwest Region, USA Aternity is seeking a goal-driven, experienced senior level software sales professional to play a fundamental role of building revenues through direct customer contacts in the company?s Midwest Region by selling Aternity?s Workforce APM solution5/25/2015 Westborough, MA Save This Job
Title: Senior Marketing Manager, Sales Enablement Effective Date: April 22, 2015 Department: Marketing Reports To: Vice President, Strategy & Marketing Location: Houston, Texas DESCRIPTION (Summary): This role will collaborate with sales management; marketing and product5/20/2015 Houston, TX Save This Job
Location: USA, West Region Aternity Inc., the industry?s leader in providing End User Experience Management (EUEM) for any application on physical, virtual, and mobile devices, is seeking a senior level software sales professional to focus on building revenues through direct5/25/2015 CA Save This Job
Are you passionate about the latest cloud and mobile technologies? Are you a strategic thinker that can translate a product vision into a detailed roadmap? Can you deliver products that solve real problems and provide an amazing user experience? If so, then Xyleme? may be a great5/5/2015 Boulder, CO Save This Job
Integral Ad Science is the leading global media valuation company in the ad tech space. Integral provides buyers and sellers of digital media with data that is actionable in real time, to quantify the quality of every online ad event. We operate at a scale that is matched only by6/27/2015 New York, NY Save This Job
What you?ll do As a Senior Product Manager you will be responsible for the overall responsibility for management of the designated Belkin product lines, including the specific product mix, product families, and ongoing evaluation of products to be added, enhanced, refined,6/30/2015 Los Angeles, CA Save This Job
Location:Tempe, AZ Department:SALES - (ACS) MULTI - CONSUMER Description The Sales Manager will manage the Inside Sales Team, Outbound Sales Team, and Lead Sales Team. This individual will develop, coach, manage, and train these teams to exceed quota. The Sales Manager will be6/8/2015 Temp, AZ Save This Job
FieldView Solutions, Inc., is looking for a Senior Project Manager to join our high growth, venture backed software startup in its Edison, NJ Corporate Headquarters. FieldView Solutions is the leading provider of real-time Data Center Infrastructure Management (DCIM) data5/24/2015 Edison, NJ Save This Job
JOB DESCRIPTION We are seeking an exceptional and experienced Senior Product Manager to be responsible for prioritizing, planning and driving the execution of the Latista product line. This Senior Product Manager must possess business acumen as well as skills in software product4/28/2015 Reston, VA Save This Job
Work Location: Des Moines, IA, or Greater Kansas City Area Position Summary We want high caliber sales professionals who have experience selling to and/or managing large numbers of multiple simultaneous deals for new sales and existing clients. The sales executive will represent5/25/2015 Des Moines, IA Save This Job

subset: commoncrawl


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Shelter Insurance Salaried Agent Salary
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french for "same"
Spelled with an accent on the first "e" même
Spelled with an accent on the first "e" même
"J'ai le même livre"
"I have the same book"
"I have the same book"
de Roma 11 mars 2004
What myspacers call spam surveys
I got this meme and filled mine out and sent it to everyone.
de YoYo-Pete 2 novembre 2007
It means boob in Turkish...
I don't really think I can give much of an example for that...
de Turkish Delight 7 avril 2005
A community of free spirits.
"Welcome onto memes."
de kulturkampf 3 septembre 2003
Dan Howell
Dan Howell is a meme
de theinternetqueen 15 juin 2015
A recurring joke that happens all over the world, especially on the Internet.
"Hey, come look at this dank meme I found bro!"
de Matrix the Dark Caster 12 juin 2015
dan howell (danisnotonfire)
Dan is a meme in a human body form. He didn't choose the meme life , the meme life chose him.
de cloudyegg 9 juin 2015


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Menu Development at Rush Medical Center
Here's a look at six of the proposed menu items for Rush Medical Center's planned restaurant-style patient menu.
Jerk Chicken Salad, served with Buttermilk Scallion Dressing.
Jerk Chicken Salad, served with Buttermilk Scallion Dressing.
What's New
Accommodating gender identity in the workplace is about behavior, not beliefs.
Industry News & OpinionView All
A poll of more than 1,000 Michigan voters showed 62 percent of respondents want Gov. Rick Snyder to cancel the state's three-year $145 million contract with Aramark, which operates the state's prison foodservice. ...
Managing Your BusinessView All
How do operators run micromarkets while also avoiding theft? ...
Ideas & InnovationView All


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Sunday's column has items from Upland, one of which explains the headline, as well as from Rancho Cucamonga and Pomona. The last one's origin is unknown but it was too weird not to use.
Category Archives: Around Upland
Column: Bankruptcy closes Upland's Buffalo Inn, possibly forever
Friday's column is about the Buffalo Inn, a Route 66 restaurant and tavern that's been serving the public since 1929. It's been closed by a bankruptcy trustee, the owners locked out, and with developers hovering, it's in question whether it will reopen.
Also, I've got items from Ontario and Claremont, and about Free Comic Book Day.
Postcard perfect above Upland
I was in the northern reaches of Upland on Friday when I decided to eat at Giuseppe's a little further north in San Antonio Heights. Afterward, at my car, I noticed the church across the street, its white paint and quaint style standing out against the mountain and greenery rising behind it, and had to take a photo.
What sort of church, though: Methodist? Congregational? Nope. A sign identifies it as Elevation of the Holy Cross, Romanian Orthodox Church. Impressive.
Obviously the building predates the current denomination. Nosing around online, I found a copy of the April 2013 issue of the San Antonio Heights community newsletter. It explains that the church began as Community Church in 1906 — although 1916, the date Megan Hutter gives in her "Images of America" history of San Antonio Heights, may be more reliable.
The great-great-grandmother of current resident Barry Turner donated the church to the community. Also, "this was the location of the first stop for trolley cars coming up Euclid Avenue in the early history of San Antonio Heights."
When the congregation outgrew the building, it served as a chapel and was used for weddings. The building was known as the Chapel of the Wildwood. It was acquired in 2010 by the Romanian Orthodox Church, which was founded in L.A. in 2001. Services apparently began in 2013. They have services Friday nights, Saturday nights and Sunday mornings.
And the church looks lovely 24/7.
Welcome to San Antonio Heights
There's a new welcome sign in San Antonio Heights. It's at Euclid Avenue and 24th Street, outside the fire station, and as impressed reader Martin Hildreth puts it, the sign gives the corner "presence and impact." He sent me the above photo and writes:
"Rudy Esparza (Upland) took the photo this morning with the San Antonio Walkers and dogs in force: left to right, Barry Turner (SA Heights), Michael Liu (Ontario), Martin Hildreth (Upland), Stan Dolinski (Upland) and Rusty Cushing (Upland)."
He adds that Supervisor Janet Rutherford is responsible for the sign.
I hope sensitive Heights residents won't mind that I've posted this photo in the "Around Upland" category. After all, the Heights are "around," i.e., near Upland. Or should I create a new category, "Above Upland"?
Column: Landon Donovan able to laugh about early soccer setback in Upland
Sunday's column has a rare sports-related item regarding the soccer star (with a link to his recent TV commercial), followed by Culture Corner items, an unusual question from a Cal Poly Pomona student and a new paint job for a Montclair icon.
Column: Preppers can stock up at Upland pre-disaster store
The parking lot signs say "The Survival Store," the store says "Prep and Save," and they're both great names. This latest, and most unusual, addition to the retail landscape is the focus of Friday's sillier-than-usual column.
Goodbye, and good riddance, to the Mustang
A former adult bookstore building was being torn down last Thursday on Central Avenue below Foothill Boulevard in Upland. It was once Mustang Books and Video, a thorn in the side of Upland City Hall and residents. The area was outside city limits for most of its existence. San Bernardino County negotiated the 2010 closure of the store, which had bedeviled them since at least the 1990s. And now, the vacant building is nearly gone. Its black-wrapped pole sign seems to be in mourning.
Up, up and away, in our beautiful balloon
My Saturday morning flight in a hot air balloon from Upland's Cable Airport to the best landing spot we could find in Claremont is the subject of Wednesday's column. Here are some additional photos. And you can watch a short video from near the end of our flight. Above, I'm hanging on for dear life and we haven't even left the ground.
And we're off! This photo and the one at top are by Christine Canepa.
Here's my view of essentially the same scene: a former (?) homeless encampment southwest of Cable.
Here's pilot Paul Cheatham with (I think) Pitzer College in the background.
That's the Arco station below at Foothill and Claremont Boulevard. We were drifting northwest and hoping for a decent patch on which to land, which we found at Chaparral Park.
Above, the Eagle has landed. Actually, it's not the Eagle, it's the Hummingbird, Cheatham's name for his smallest balloon. The balloon was deflated and packed away. Thus ends Dave and Paul's Excellent Adventure.
Foothill and Mountain, Upland
These two old-time photos were sent to me by reader Joe Mannella. The one above is said to date from 1946. The future Stinky's is on the left. The view is looking east on Foothill, or Route 66, with Mountain Avenue beyond the building.
An even older view is below. This is said to be from 1934, looking north on Mountain from Foothill.
These are not the best photos — they're reproduced the size I got them, if you click on the images for a larger view — and yet they give us latecomers a glimpse of how rural Upland once was. It's hard to reconcile these views with today's busy intersection with retail stores, restaurants and gas stations and multiple lanes of traffic.
Thanks, Mr. Mannella.
Column: Upland cafe offers complimentary sarcasm
Sunday's column starts with an anecdote from the ever-entertaining Rabi's Cafe. Then I have some Claremont items, a couple of books with local references and — I hope no one minds — a list of stores that stock "Pomona A to Z."


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Philips QT4005/15 Beard and Stubble Trimmer
More than 5000
Brand Authorized Seller
Seller Endorsed by brand for trusted and genuine product always
Enter pin code for delivery & availability
Standard Delivery: Delivered in 3 - 6 days
EMI Details
TrustPay protects customers with a 100% moneyback guarantee if there is an issue with product quality, size or delivery
0.5 mm Precision
The 0.5 mm Precision Blade in QT4005/15 helps you in keeping your beard in perfect shape. With this blade you can have a perfect 3 day shave. Therefore, the 0.5 precision blades successfully cut the long hair while trimming the beard.
Easy Grip
QT4005/15 has been especially designed to give a firm grip in your hands. Making an easy grip, this trimmer by Philips gives you a highly efficient trimming performance.
Easy to Select & Lock in Length
QT4005/15 comes with 20 length settings and the range of the length settings ranges from 0.5 mm to 10 mm. Therefore, you can easily set the length at which you want to trim your beard. It will help you in trimming your beard according to your choice. Moreover, the Lock-in-Length feature also helps you in locking the length settings, so that it does not get altered unless and until, you want to do it.
Stainless Steel Blades
This highly advanced trimmer consists of the stainless steel blades, which makes an easy cleaning. Moreover, the stainless steel material helps the blade in maintaining the sharpness for a long time, so that it gives an efficient trimming performance whenever used. Apart from this, the stainless steel body also protects the blade from getting damaged due to rusting and corrosion and therefore it the trimmer in serving you for long years.
Rounded Tips
QT4005/15 comes with the rounded tip blades and combs that together ensure complete care of your skin while trimming your beard. It protects your skin from irritation. It helps the blade in adjusting to your face very smoothly. Therefore, it this trimmer by Philips helps you in trimming your beard perfectly with its extra sharp blades.
Ergonomic Design
QT4005/15 wears an ergonomic design that helps you in easy handling and usage of the trimmer. Moreover, its compact design helps you to carry the trimmer along with you, wherever you go. It can be easily adjusted in any corner of your bag without hassles. Furthermore, the ergonomic design of this trimmer helps you in trimming even the hard-to-reach areas with utmost convenience.
Powerful Battery
The 1 x AAA NiMH battery in QT4005/15 facilitates a cordless operation of the trimmer. However, you can also plug-in the charger to the power socket in order to trim your beard instantly. But as far as the battery performance is concerned, when fully charged for 10 hours, this trimmer by Philips can be used for approximately 40 minutes.
Light Indicator
QT4005/15 also consists of a light indicator that indicates you in case you need to charge your battery. When fully charged the light indicator shows a green light. However, if the green light blinks, it indicates charging of the battery.
Dual Voltage System
QT4005/15 comes with the Dual Voltage System, which makes this trimmer by Philips very suitable to be used even in a foreign country. With the Dual Voltage System this trimmer supports the 110 Voltage Systems as well as 240 Voltage System and therefore, it can easily be used worldwide. It automatically adjusts to the higher current system in the foreign countries. You won't need a transformer in order to convert the current.
Detachable Head for Easy Cleaning
Consisting of a detachable head, the QT4005/15 makes a convenient cleaning. The head of the trimmer can be easily detached and put under the running water in order to clean it instantly, every time after having used it. However, you must remember that the head should completely be dried before placing it back on the trimmer.
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My boyfriend isn't circumcised, what do I do?
my boyfriend isn't circumcised, what should I do.
he recently made a big deal out of it, how do I help him get over it?
Most Helpful Opinion
A big deal out of it how?
It was a VERY painful ordeal, getting circumcized when I did not give my consent.
My parents just thought it was a good idea at the time. It was VERY painful.
I don't wish it on anyone. Imagine attaching electrodes to your crotch and getting shocked every time you moved. It was traumatic for me as a three year old and and even at that early age I do not forget the pain.
But if it's what HE wants, well, the more power to him I suppose. I've had boyfriends "cut" and "uncut" and there really wasn't much difference to me. I wish I had the choice.
What Guys Said 9
> my boyfriend isn't circumcised, what should I do.
Nothing? Why should you do anything?
> he recently made a big deal out of it, how do I help him get over it?
I have no idea. Clearly anyone who would prefer a part of their penis to be cut off is insane.
Seriously, assuming no medical necessity, why would anyone WANT to be circumcised?
I'm not entirely sure. Different sensation maybe. Personally I'm quite pleased that I wasn't savaged as an infant.
What Girls Said 3
I was told by a friend that it makes sex a little more difficult and also, it looks terrible...terrible, id hope to never be in a relationship with an uncircumcised guy. But if you are in love with him already then it shouldn't matter, so tell him that its no big deal
Weird, I feel the same about circumsized penises...they look so wrong, with all the foreskin gone. Uncircumsized penises are way more natural.
it looks neater and cleaner, I can't even imagine how the skin must get pulled when it goes in. they look like weird ingrown toes
Have an opinion?


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|Reviews for Sing Along
| jsaba chapter 1 . 7/24/2014
Isn't that the Zuko song, funny!
| Squibble the WhovianBreadstick chapter 12 . 7/9/2014
this made me laugh so hard, I was snorting, crying, uncontrollably giggling/shaking, and I ended up falling out of my chair... And I still didn't stop laughing. Not even for a second. XD
| Squibble the WhovianBreadstick chapter 6 . 7/9/2014
azula is younger by a few years.
| Guest chapter 12 . 7/8/2010
You kinda forgot to include Toph at the very end. Anyway great story! *_*
| Guest chapter 12 . 7/8/2010
This is such a great. though... I doubt Zuko, no matter how much he changed, would eves sing like that. Anyways great story. Love Zuko!
| mockingbird13 chapter 1 . 7/3/2010
So hilarious. I had to wait a while to get myself under control before reviewing. :) :) :)
| Floral-Foxes chapter 11 . 7/21/2008
| Floral-Foxes chapter 12 . 7/21/2008
| Natalis chapter 12 . 11/20/2007
Oh lol! Hahahahah!
I was just browsig trough old fics when I found this.
And this is hilarious! Very nice... singing... oh I've always dreamed for any Avatar character to sing other than Iroh or Chong. I like your plays with words, and you made their interactions very interesting to read too :D
I love your story!
| M.S.Memorial chapter 1 . 9/29/2007
AH! AANG SINGING! (*Gasp!*) THE IDEA IS SOO FUNNY! YAY! I'LL STOP DOING CAPS RIGHT...NOw. yep. I liked it.
| Banan-nonne chapter 12 . 8/25/2007
XD Aw! I wuved it! To the favorites it goes, if it isn't there already. :D
| Banan-nonne chapter 8 . 8/25/2007
Hehe... "fuzzy"... I like that word ;) And I like this story.
| Banan-nonne chapter 7 . 8/25/2007
That last line made me laugh. And the whole foot-cover/momo-confusion
| Banan-nonne chapter 6 . 8/21/2007
Hehe... I like your story It's funny and sweet. *runs off laughing madly* I'll read the next chapters another day, when I'm not so busy. :)
| Casey Jewels chapter 1 . 3/21/2007


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Gay Marriage
Latest Blog Posts on Gay Marriage
Are All These Christians' Complaints of Persecution Just So Much Empty Whining?
Date: 10/07/2013
The headlines are alarming: "Catholic-Owned Company Wins Religious Freedom Court Decision," "Death Toll Rises to 65 in Boko Haram Attack on Students," "Little Sisters Catholic Charity Victimized By Obamacare," "Christians Sought Out, Murdered in the Kenyan Mall Massacre," "Judicial Watch Seeks Reason Why 'So Help Me God' Removed From U.S. Air Force Oath." An Egyptian church burns But the me ...
Catching up with Mother Dolores Hart as the Hollywood star-turned-Catholic nun reflects on her book tour, the possibility of a movie and Pope Francis
Date: 09/25/2013
Here's today's dispatch from the crossroads of faith, media and culture. This is getting to be a habit. A good habit. I'm talking about my second conversation with Mother Dolores Hart on the occasion of her return to the Abbey of Regina Laudis in Bethlehem, Connecticut following her recent book tour to promote her memoir Ear of the Heart . I visited the one-time movie star at ...
Al Sharpton Confronted by Ex Gang Member (Excellent Video)
Date: 08/30/2013
Put this link in your bookmarks so you can come back here again and again and be uplifted by Tommie Scott, an ex-gang member, turned believer, a born-again Christian! http://blog.beliefnet.com/watchwomanonthewall/?p=27867 Tommie Scott and his beautiful bride. Pray for Tommie to be faithful always to his lovely bride here on earth, to be faithful to the Bride of Christ-the True Ch ...
Gay men sue Church of England to Bless Wedding
Date: 08/20/2013
Chaplain Gordon James Klingenschmitt praying in the Name of Jesus cost him his military career and his million dollar pension Calvin's Commentary : Please take a few minutes and view Gordon James Klingenschmitt 's excellent, informative video below. It might give you more hope than the obamanation ever extended to you and change things in your life and Americ ...
Rights Don't Come From God Anymore, They Come From the Depravity of Man
Date: 08/06/2013
(Calvin's Commentary at end) Pedophiles Call for Same Rights As Homosexuals PSYCHIATRISTS ARE NOW BEGINNING TO ADVOCATE REDEFINING PEDOPHILIA IN THE SAME WAY HOMOSEXUALITY WAS REDEFINED SEVERAL YEARS AGO Politically Correct/Newspeak B4U-Act Calls Pedophiles "Minor-Attracted People." NAMBLA, marched for their "right" to have sex with children Same sex marr ...
homo- hetero- or God
Date: 08/11/2013
courtesy of gospelcoalition.org Homosexuality throws society out of the rut of conformity. In the 21 st century, not many people can escape dealing with homosexuality or gender change. Heartache, courage, freedom, and perplexity surround the topic, forcing society to judge one's self and others, not by gender, but by content of character. Because we live in a human society, and because la ...
At least fake integrity !
Date: 08/01/2013
Remember when good moral character was at least contrived and manufactured by our celebrities via their P.R. people? If you were an alcoholic for example you had the courtesy to unleash your uncontrollable rage at home where it only affected your kids, but your fans were left to believe in your screen image. That is before celebrities kids got cell-phones with video capabilities in order to fil ...
Leon Marlensky: The "Lone Leftist" Speaks
Date: 07/24/2013
"Leon Marlensky" is a pseudonym for a former colleague of mine who prefers to remain nameless. Marlensky is an academic in the liberal arts who resents what he describes as the "faux radicalism" of his peers. The contemporary academy, he says, consists, not of radicals, but of apologists for the status quo, "reactionaries" in radicals' clothing. A self-described "lone leftist," Marlensky shares ...
Top Beliefnet Features


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CALIFORNIAN: New Music for July 28-Aug. 3, 2011
The album's first single, "Just Fishin'," perfectly captures the sentimentality of a father and an elementary school-age daughter spending a morning on the water, with the focus more on togetherness than on what they catch.
Other songs rise to the same level, from how the title cut recognizes the blessings that have come his way to the way the songs "Days Like This" and "Poor Folks" find beauty in a simple life.
Adkins can rock, as he's proven regularly in the past. But when he slips into a conversational tone and delivers story songs about what matters most to him, as he does throughout "Proud to Be Here," he is as good as anyone in contemporary country music.
---- Associated Press
"Yours Truly"
Three stars
Sublime with Rome
Fueled by Ramen
Eric Wilson and Bud Gaugh would truly have been androids to reuse the Sublime name with some hack attempting to fill the late, visionary Brad Nowell's shoes. But Rome Ramirez, 23, is no hack. He's a fanciful upstart with a breathy croon that never annoys.
So "Yours Truly" begins with a miracle, the expectations-exceeding "Panic," which nails the original Sublime's toothy edge and juggle of three styles in one song (ripping guitar and horn solos, too). But only two other tracks try to rock, making the album's other miracle, the huge-hit-in-waiting summer reggae "Lovers Rock," an achievement all Rome's.
The rest of the credible, dub-via-"American Idol" here is mostly pleasant and twice too corny ("PCH," ''Spun"). More rock, please ---- Brad would have wanted it.
---- Scripps-McClatchy
"In the Mountain in the Cloud"
Three stars
Portugal. The Man
Portugal. The Man has built its career on pursuing its wild ambitions, no matter where they took the band.
Sometimes, the band from Wasilla, Alaska, sounded like The Beatles. Sometimes, it sounded like prog-rock experimentalists. The unpredictability, especially in concert, only added to its allure, which is what makes "In the Mountain in the Cloud" so surprising.
The band's sixth album ---- its major-label debut ---- builds a sleek, coherent vision of anthemic rock, combining its quirks with a new level of grandeur. "Everything You See (Kids Count Hallelujahs)" is a multilevel, kindred spirit to Arcade Fire's "The Suburbs," while "So American" puts up a bit of glam swagger against an acoustic backdrop.
Even more impressive is how everything is steeped in Portugal. The Man's unique point of view. John Gourley's vocals go from a soaring falsetto to an understated sing-along in "Got It All (This Can't Be Living Now)," as he warns, "Got it all till the revolution comes." The epic, six-minute-plus closer, "Sleep Forever," somehow manages to channel bits of Motley Crue, Oasis and Coldplay as it builds into a stadium-ready anthem.
It's a sign of how Gourley and friends have learned to incorporate their ambitions into a single vision on "In the Mountain in the Cloud," setting them up to have the breakthrough year they have long deserved.
---- Scripps-McClatchy
Three stars
Imelda May


text:
Aniket TextilesKolkata, West Bengal
Products & Services
Company Profile
Mr. Anup Rungta, the promoter of the "SANDO" is a young, energetic, well behaved, highly ambitious person who has the vast experience of about 15 years in Hosiery market, was not satisfied with the matching of quality and the price of the hosiery goods running in the market. It was struck in his mind that the entire people of India are the hunt of mistreated in the name of quality. The high class quality was beyond the budget of the maximum percentage of ...view all
Fact Sheet
|Year of Establishment
|Nature of Business
Contact UsAniket Textiles Anup Rungta+91-9830963974
No. 132, Cotton Street, 2nd Floor
Kolkata - 700007
West Bengal, India
Kolkata - 700007
West Bengal, India
Send your enquiry to this supplier


text:
shelock0 commented on Uncompatible Love*Jacob Black Love Story* - In Real Life
The Neveu Secret...
When 4 sisters discover their mother dead, their father moves them to Australia. They go without questio...
THANKS FOR READING MY STORY!!!!! <3Oh, I am Shelock0 by the way, i will not say my real name to make it even more mysterious. hehehe ;D.
here is some interesting facts about me:
I love reading, writing, school (sometime), X-men, Harry Potter, Jacob Black, swimming, rock climbing, going to town, exploring, hiking, skiing, dogs and Cats.
I dislike needles, stalker, monsters, school (sometimes)...I can\\\'t think of anythign....weird?
anyway THANKS AGAIN FOR READING
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Welcome to installment one of Dueling Disney. This new monthly column will run the length of 2013, and entail two friends on different coasts battling it out for Disney park supremacy.
Keith Gluck grew up in the San Francisco Bay Area, and has been to Disneyland every year since birth. Jeff Heimbuch grew up in New Jersey, and was exposed to Walt Disney World at the ripe old age of 3.
We both love not only our respective home resorts, but the "other coast's" as well. Therefore, don't be surprised if you see one columnist concede a point or two throughout the series. Disneyland vs. Walt Disney World is always a fun (and lighthearted) topic, so comments are definitely encouraged. Show your "home resort" pride and let us know which point of view you agree with most.
Resort Size
Keith: Okay Jeff, you got me here. This is a point that not only will I concede, but concede 43 times over (in honor of Disney World being a gargantuan 43 times larger than Disneyland). However I maintain that my home resort being much smaller does have its advantages. For example, park-hopping is a breeze! The two closest parks in Disney World are Epcot and Hollywood Studios. At a brisk walking pace (or even a light jog, provided you're up for that while on vacation), you're looking at about 10 minutes to get from one park to the other. Disneyland to California Adventure, however: 10 seconds!
Jeff: You conceded already? Well, that's it, folks! Column's over!
OK, fine, you want me to list some of my points? Fair enough.
Like you said already, Keith, Walt Disney World wins by a mile…42 square miles to be exact! As I'm sure most of you know, Walt, when looking to building Walt Disney World, was looking for the blessing of size, something he didn't have when building Disneyland. Tons of cheap, low-rent motels popped up around Disneyland within its opening years, and Walt thought that was tacky. So, when it came time to build Walt Disney World, he wanted a large space so he could control what went up around his Parks. And control it, the Walt Disney Company does!
Now, I'm not necessarily going to say that the size factor is a huge score for us, but it has its ups and downs. But my main point to start with will be that we do have an over-abundance of space, which leads us to more room for expansions, a vast, city-like network, and controlled eye lines!
Keith: You are absolutely right, Jeff. Walt knew how valuable the land around Disneyland was going to be, but he just plain and simple had no more money. In fact he even told his friend Art Linkletter to consider purchasing the surrounding land prior to Disneyland's opening, so together they could develop properties on it in the future. Mr. Linkletter, unfortunately, did not share Walt's vision. He passed on the offer, and later probably set the world record for the amount of times one can kick oneself.
Walt was obviously in a better position when it came time to purchase land for "The Florida Project," and the Disney Company has utilized said land by constructing (so far): four theme parks, a shopping district, two golf courses, a transportation hub, dozens of hotels, and more. However, Monsieur Heimbuch, I have only conceded that Disney World wins in resort size, because, it's bigger! In terms of size management, you must concede that Disneyland does a much better job. In fact if you compare the similar parks, Disneyland and Magic Kingdom, you'll notice that while MK is over 20 acres larger than its older sister, it contains fewer attractions!
Jeff: You definitely have me there, good sir! I think, in this case especially, that bigger is not always better! Like you mentioned, Magic Kingdom has fewer attractions than Disneyland, despite being much larger in size. However, it does make up for it in excellent theming. But, overall, I would have to say that the size of the resort may be more of a curse than a blessing. Just ask anyone that has used the Walt Disney World bus system, and I can almost guarantee you that they'll say the same thing: It stinks (hat tip to movie critic Jay Sherman). The resort is just too huge to have an effective transportation system to keep everyone happy. Everything is so spread out that you almost always have to wait 30 minutes or more to get to your destination. Unless, of course, you're staying on the Monorail loop, and you're heading to Magic Kingdom. Then the Park is only a short walk (or Monorail or boat ride!) away! But even then, the boats and Monorails get over crowded during peak seasons.
Keith: Yep, that is a huge plus for our side, bud. If you are staying on-property at Disneyland, you are never more than a 10-minute walk to either park (and if you're staying at the Grand Californian, you're looking at a 30 second walk to California Adventure). Plus there are several reasonably-priced two to three star hotels right across the street from the Disneyland Resort (which I like to call "the strip") on South Harbor, that are all also only a 10-minute walk (or less) away. I'd also like to add that being smaller adds to our charm. In the case of Disneyland vs. Magic Kingdom (which very well may end up being its own column in this series), Disneyland appears far more quaint, whereas the Magic Kingdom can look a little too big/spread out in certain areas. So, to wrap up our first duel, I'm going to say: charm, convenience of park-hopping, and space management are all reasons why even though Walt Disney World is bigger, Disneyland is the winner in terms of resort size!
Jeff: To further your point, I'll quote my good friend, Disney Legend, and former Imagineer Rolly Crump (excuse me for a moment while I pick up this name I just dropped): "Disneyland hugs you. Walt Disney World just made way for all the strollers." And he's right. While I think the sheer size of the resort comes in handy for the other Parks, you lose the feeling of quaintness at the Magic Kingdom that you find at Disneyland. It's too big, not as charming, and definitely a check against it. I do have to say that SOME areas of Magic Kingdom exceed their Disneyland counterparts, for the most part, Disneyland wins. So, while Walt Disney World wins for physical size…I think Disneyland wins this round.
What do you guys think? What are some of the advantages and disadvantages of your home resort's size?
Dueling Disney is written by Jeff Heimbuch & Keith Gluck
If you have any questions or comments, feel free to email us at [email protected] or [email protected]
You can follow us on Twitter @DisneyProject and @JeffHeimbuch


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The Boss 302 returns to the road after 42 years.
Shaking Hands With The Devil
In this video the Flex picks off a modded Mustang GT.
Make Your "Five-Oh" Go Faster and Smoother
If you love Ford performance, this is the place for you!
King of the Road
A Race Car For The Streets
Born on California's highways, the Mustang SSP offered police a high-performance alternative.
How to get up-close and personal to find the finest Ford Mustang you can afford.
A visual guide to telling one vintage Pony Car from its model-year stable mates.
A visual feast for Mustang lovers.
Mustang's third body style emerges.
A Real Jekyll & Hyde Ride
Daytona Speedway was a fitting corral for these ponies.
Upgrading a 1966 Mustang's Baer system from two-piston PBR caliper to six-piston Baer caliper.
Tulsa Raceway Park thundered with Ford power!
Carving corners with Ford power!
Walking around the paddock at Hallett Motor Racing Circuit
The Ultimate Ford Family Reunion
Fords invade downtown Tulsa's Brady Arts District
The power plants that gave the Mustang its gallop.
A great mix of old and new meet at this year's Atlanta auto show.
Walking around Tulsa Raceway Park
The capstone of a great event.
Families, fun and Mustangs at Myrtle Beach.
Chopped, channeled, sectioned, slammed and more!
Steel may be real, but fiberglass has class!
An American car...from Korea? Think of it from The Classics Perspective.
It is as if Ford designed the new Mustang to be modified.
What better place for the top muscle cars than Detroit?
Hard to define, yet easy to understand, some cars are just perfect.
AutoTrader Classics Editor Brian Medford travels to Streetside Classics in Powder Springs, GA to talk about what makes the 1970 Camaro cool.
Checking out the local flavor in north metro Atlanta.
Another steller year for the Amelia Island show.
Everything old is new again in these updated rides.
A look at the off-beat propulsion of SEMA
AutoTrader Classics Editor Brian Medford travels to Streetside Classics in Powder Springs, GA to talk about his memories of the 1971 Mustang Mach 1.
Sometimes the little things can make all the difference.
Not your usual David & Goliath story.
These front ends demand to be noticed!
Back for a second year this early Saturday morning event brought an amazingly diverse group of vehicles.
What better way to see a car show...than from a car!
Sometimes an auction is also a car show.
There is no question that these cars were built to run fast and hard.
Blowers and turbos are always a winner.
These builders went above and beyond.
AutoTrader Classics brings you the best of AutoRama!
These cars are built for the winner's circle!
The rat rod movement keeps rolling on!
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Rookie Falcons RE Vic Beasley believes he can be an every-down player.
Falcons TE Tony Moeaki will enter training camp healthy.
Tevin Coleman will enter training camp behind Devonta Freeman on the depth chart.
ESPN's Vaughn McClure reports Devonta Freeman "has the edge" to start over rookie Tevin Coleman.
Ricardo Allen is expected to open the season as the Falcons' starting free safety.
Coach Dan Quinn said Devonta Freeman will be "featured in a lot of different ways," including as a receiving option.
Falcons signed WR Carlton Mitchell.
Falcons DE Malliciah Goodman suffered a strained knee at this week's minicamp.
The Falcons have moved Ricardo Allen to free safety.
Jacob Tamme has "taken early control" of the Falcons' tight end competition.
Contract-year WR Julio Jones said a holdout would be "selfish."
Falcons OT Lamar Holmes is out indefinitely with a broken foot.
Falcons second-year LT Jake Matthews is excited about OC Kyle Shanahan's zone-blocking scheme.
Fourth-round pick Justin Hardy has mixed in with the first-team offense at minicamp.
Devonta Freeman opened minicamp as the Falcons' first-string tailback.


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10 Life-Enhancing Things. By It usually takes us much longer to change our moods than we'd like it to take. Here are ten things you can do in ten minutes or less that will have a positive emotional effect on you and those you love. . See it online at Oprah.com . This is a deeply moving segment that may be the best ten minutes you've ever invested in front of a computer. . . .
The experience will fill you with fond memories and perhaps make you a bit wistful for days gone by. . . Then spend that time just holding each other. 17 things no one probably have told you yet (comics by alex noriega) - wave... - StumbleUpon. Posted by rd on Monday, August 15, 2011 · Mozambique based illustrator Alex Noriega loves drawing, reading and drawing even more.
Alex was born and raised in Barcelona, went to Llotja, an art and illustration school also in Barcelona. After finishing school, he worked odd jobs and eventually landed a job as an illustrator in a fashion company. Finally, the call to blog got to him. He says, At some point in 2010 I was going through a crisis due to some issues at work, so I decided to start this blog as a way of trying to find what I was doing wrong. More on Alex Noriega's website. [via thedesigninspiration] 30 Things to Stop Doing to Yourself. Post written by: Marc Chernoff Email When you stop chasing the wrong things you give the right things a chance to catch you.
As Maria Robinson once said, "Nobody can go back and start a new beginning, but anyone can start today and make a new ending." Nothing could be closer to the truth. But before you can begin this process of transformation you have to stop doing the things that have been holding you back. Here are some ideas to get you started: Stop spending time with the wrong people. – Life is too short to spend time with people who suck the happiness out of you. Update: Read our follow-up to this post: 30 Things to Start Doing for Yourself Photo by: Rob Brucker If you enjoyed this article, check out our new best-selling book.
And get inspiring life tips and quotes in your inbox (it's free)... Possibly Related Posts: No related posts. The Dalai Lama's 18 Rules For Living. May 6, 2011 | 42 Comments » | Topics: Life, List At the start of the new millennium the Dalai Lama apparently issued eighteen rules for living. Since word travels slowly in the digital age these have only just reached me. Here they are. Take into account that great love and great achievements involve great risk. When you lose, don't lose the lesson. Via OwenKelly Hot Stories From Around The Web. 50 Lessons I wish I had learned earlier.
Welcome to our blog! Here you'll find bits and pieces of wisdom learned from cycling 17,000 miles from Alaska to Argentina together as a family. Hope it inspires you to live your dream! My book about our journey, Changing Gears, is now released! Read a preview here Now that I'm old and gray (but not quite in my rocker yet!) You're stronger than you think you are.Mistakes teach you important lessons. What lies before us and behind us are tiny matters when compared to what lies within us.Don't pray when it rains if you don't pray when the sun shines.It's not about getting a chance, it's about taking a chance.If it were easy everyone would do it.Be vulnerable.A problem is a chance for you to learn.Regardless of the situation, life goes on.
If you enjoyed these inspirational quotes and feel they would be beneficial for others, we would appreciate it if you would take a moment to share it with your friends via Twitter, Facebook, Pinterest or email. Interested in our journey? Code of Conduct - StumbleUpon.


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5 Quick American-Style Breakfast Ideas
|2 (Preferably Frozen)
|Frozen mixed berries
|1 Cup (16 tbs)
|Ground flax meal
|2 Tablespoon
|Nugget cereal
|1⁄2 Cup (8 tbs) (Grape Nuts Or Ezekiel)
|Soy yogurt
|2 Cup (32 tbs) (Any Flavor)
|1 Cup (16 tbs) (Such As Pears, Blackberries, Banana)
|Slivered almonds
|1⁄4 Cup (4 tbs)
|1⁄4 Cup (4 tbs)
|Multi grain cereal/Bob's red mill
|1⁄2 Cup (8 tbs) (Such As Arrowhead Mills Or Bob's Red Mill)
|1 1⁄2 Cup (24 tbs)
|1⁄4 Teaspoon
|2 Teaspoon (Such As Maple Syrup, Agave Nectar)
|Berries/Chopped fruit
|1⁄2 Cup (8 tbs)
|Rice milk/Almond, soy / hemp milk
|2 Cup (32 tbs)
|1⁄2 Cup (8 tbs)
|1⁄4 Cup (4 tbs)
|Almond milk/Rice/ soy / hemp milk
|1 Cup (16 tbs)
For the smoothie:
Put all of the ingredients in a blender and blend for 1-2 minutes.
For the bowls of fruit:
Use any combination of fruit you have: apples, pears, kiwi, grapefruit, banana, mango, blueberries, blackberries, apricots, cherries, melons. Dried fruit may also be added: raisins, currants, non-sulfur apricots, cherries, cranberries. Remove cores and inedible seeds.
For the yoghurt with fruit and nuts:
Put one cup of yoghurt in two bowls. Divide the fruit and nuts evenly. Toast the bread and spread with non-hydrogenated spread and sugar-free jam.
For the multi-grain hot cereal:
Follow the package directions - but typically: Bring water, cereal and pinch of salt to a boil. Lower temperature and simmer for 4-5 minutes, stirring occasionally. Sweeten, top with fruit and rice milk.
For the muesli and fruit:
For one serving, put 1/2 cup of muesli in a bowl. Add berries and rice milk and serve with half a grapefruit.


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One potential motivation might be to call the bluff of the new Muslim Brotherhood Egyptian President Mohammed Morsi.
Ten days later, when the dust had settled, MSF President Joanne Liu called their bluff.
It is not easy work, but it calls the bluff of those who would say "we have to take scripture seriously."
1839, American English, poker term, perhaps from Dutch bluffen "to brag, boast," or verbluffen "to baffle, mislead." An identical word meant "blindfold, hoodwink" in 1670s, but the sense evolution and connection are unclear; OED calls it "one of the numerous cant terms ... which arose between the Restoration and the reign of Queen Anne." Extended or figurative sense by 1854. Related: Bluffed; bluffing.
"broad, vertical cliff," 1680s, from bluff (adj.) "with a broad, flat front" (1620s), a sailors' word, probably from Dutch blaf "flat, broad." Apparently a North Sea nautical term for ships with flat vertical bows, later extended to landscape features.
1844 as an alternative name for poker; from bluff (v.). As "an act of bluffing" by 1864.
: His courage was all bluff •A noun sense fr 1849 is ''an excuse'' (1870s+)
To use confident pretense as a means of winning or succeeding •The 1674 definition is ''to blindfold or hoodwink''; the game of poker was originally known as bluff (1670s+)
Related Terms
[perhaps related to, though not derived fr, a late 1700s bluff, ''a blindfold or blinker for a horse'']


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Videos - Page 23
'San Andreas' Trailer: The Rock Is Rocking in This Earthquake Movie
It's been a while since we had a really good disaster movie. Roland Emmerich was the last guy to really push the genre forward, but after freezing and then destroying the entire planet (in The Day After Tomorrow and 2012, respectively) there's not really a lot of ground left to cover (and demolish). Next summer's San Andreas will attempt to revive the disaster movie by juicing up an old favorite: the earthquake. This version, directed by Journey 2: The Mysterious Island's Brad Peyton, features a tremor so huge it encompasses all of California from Los Angeles to San Francisco. It's so big, Paul Giamatti gravely intones, it can even be felt on the East Coast. That's a big quake.
Hungry Buffalo Can't Stop Licking Woman in Car
'Inside Out' Trailer: Listen to the Voices in Your Head
It's been almost two years since our last Pixar movie (Monsters University in 2013), but that's thankfully about to change this summer with the release of Inside Out. From Up director Pete Docter, Inside Out is also only the second original Pixar film since 2009, which makes its arrival extra exciting. Today, we have the final Inside Out trailer, which gives us a much better look at the film's plot and the insides of the human mind.
Dak Prescott Got Kicked in the Head During a Waka Flocka Concert [VIDEO]
North Florida Band Member's Absurd Dance Moves Steal the Show
Garth Brooks Jokes Around While Playing 'Would Your Rather?' [Watch]
While in Buffalo, N.Y., for a series of concerts last week, Garth Brooks stopped by Taste of Country sister station WYRK for a rousing game of "Would You Rather?"
New York Jets Chris Owusu Shows Off Ridiculous Jumping Ability [VIDEO]
10 Fiery Facts About 'The Hunger Games: Mockingjay'
In addition to being an Oscar-winning actress and the lead of a billion-dollar movie franchise in The Hunger Games, Jennifer Lawrence can now add best-selling singer to her resume. The song "The Hanging Tree" was performed by Lawrence in Mockingjay — Part 1 and later released to radio stations where it debuted at #12 on the Hot 100, and on iTunes where it sold over 1 million copies. This are just some of the facts packed into the latest episode of You Think You Know Movies, which travels to District 13 for The Hunger Games: Mockingjay!


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Karibu Hostel Reviews
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Because we had to leave early, we got our breakfast at 5.45 am. That was great and we didn't expect that. Very helpful staff and good information about moshi and zanzibar. Close to the main road, so it is a bit noisy, but a large and nice garden
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- Germany
- Couple, 31-40
- (14 reviews)


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Commentary - We need a sincere apology to Native Americans
Published 04/06/2012, Alexandria Echo Press
This is written after the great editorial entitled "Remembering a dark day in December." [Echo Press, January 6, 2012] It was expertly written. The mistreatment of Native Americans was an all-out effort to eradicate a race from the face of the earth because of ignorance, not knowing what to do with them, and not being able to control them. So why not rid yourself of the problem once and for all and re-write history books to say they did not exist?Word count: 746
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Original recipe yields 8 servings
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I made it with 2 lb of carrots and 2lb of potatoes. I added 2 tsp of tomato paste and 2 tsp of soy sauce instead of the Worcestershire sauce. I browned the onions. Everything else i followed the...
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Flagstar Bancorp Inc. (NYSE:FBC)
Q4 2008 Earnings Call
January 30, 2009 11:00 am ET
Mark Hammond – President and Chief Executive Officer
Thomas Hammond – Chairman
Paul Borja – Executive Vice President and Chief Financial Officer
Bose George – Keefe, Bruyette & Woods
Annette Franke – Friedman, Billings and Ramsey
At this time I would like to welcome everyone to the Q4 2008 investor relations conference call.
(Operator Instructions) Mr. Hammond, you may begin you conference.
Mark Hammond
Welcome to Flagstar's fourth quarter earnings conference call. My name is Mark Hammond and I am the Chief Executive Officer of Flagstar. Please note that we will be using a PowerPoint presentation during this call and we recommend that you refer to it as we reference it throughout the call. This presentation, as well as our earnings press release that we issued last evening, which contains detailed financial tables, is posted on our website in the investor's relations section at www.flagstar.com.
I'm here today with Thomas Hammond, our Chairman of the Board, and Paul Borja our Chief Financial Officer. Tom will provide prepared remarks and then I will talk briefly. Paul and I will then answer questions. Please note that we will be addressing the questions that we received by email or questions that we've been frequently asked. Before we get started, please first direct your attention to the legal disclaimer on the second page in the presentation. The content of our call today will be governed by that language.
With that, I will turn the call over to our Chairman, Tom Hammond.
Thomas Hammond
Last evening we announced our financial results for the fourth quarter of 2008. Despite the virtual shutdown of the capital markets for investments and financial institutions, this morning we are in the process of closing our previously announced transactions in which MP Thrift Investments, a newly formed affiliate of Maitlin Patterson Global Advisers LLC, will invest $250 million and management will invest $5.32 million into Flagstar Bank Corp.
In addition, the U.S. Treasury will invest $266.6 million pursuant to the TARP capital purchase program for a total investment of $523 million. We have also been successful on obtaining a commitment from MP Thrift Investments to inject an addition $100 million in capital in the Flagstar Bank Corp during the first quarter.
Approximately 90% of the funds from these transactions will be down streamed to Flagstar Bank as Tier 1 regulatory capital. We plan to use the additional capital to increase our Fannie Mae, Freddie Mac, and Jenny Mae lending by capitalizing on market opportunities created through the industry consolation and the low interest rate environment.
In addition, we are going to look for opportunities to invest in mortgage-backed securities with attractive yields. Further, we plan to operate at regulatory capital levels higher than we have had in the last couple years. The fourth quarter of 2008 was an especially challenging period for most banks as the economy and residential home value continued to deteriorate.
Our fourth quarter financial results are reflective of those challenges. As the fourth quarter developed, we shifted our focus away from new loan production to focus on capital preservation and increase liquidity. During the period, we substantially increased our reserves and took significant credit charges and asset write-downs. Those items totaled $292 million in pre-taxed costs, which are outlined on page three of the presentation.
Item 1, in the fourth quarter we had a provision for loan losses of $176.3 million, of which $24.3 million were charge-offs with remaining $152 million being used to increase our allowance for loan losses. Item 2, we wrote down the value of our mortgage servicing rights by $270 million mostly offset by hedging gains, contributing to a loss on loan administration income of $46.2 million.
Item 3, we had a $43.7 million other than temporary impairment related to two of our available for sale non-agency securities. Item 4, we also had $26.2 million of credit and mortgage related costs flowing through our non-interest expense. That is comprised of $16.4 million evaluation adjustment related to our real estate owned portfolio and a $9.8 million reserve for anticipated mortgage insurance losses in our reinsurance subsidiary.
Please turn to page four. In 2008, we increased our full year bank net interest margin by almost 18% from 150 basis points in 2007 to 178 basis points in 2008. For the fourth quarter, our bank net interest margin decreased to 161 basis points from 193 basis points in the third quarter. The decrease in net interest margin from the previous quarter is the result of the following four factors. First, the Federal Reserve dramatically lowered interest rates by 175 basis points during the quarter. As a result, our prime rate based assets re-priced faster than our liabilities causing our margin to compress.
Second, our fourth quarter net interest margin was negatively impact by our significantly cash balances. During the period, we maintained a daily average cash and cash equivalent position of approximately $1 billion, which created a negative spread. This resulted in a significantly higher liquidity position then we have had historically. Third, we experienced lower interest income due to a reduced available for sale balance. Fourth, the increase in non-performing assets put additional strains on our margin.
Turning to page five, our gain on loan sell margin was 29 basis points for the fourth quarter as compared to 33 basis points in the third quarter. Full year 2008 gain on sale was 53 basis points as compared to 24 basis points for 2007. As of December 31st, we estimate there was an embedded gain of approximately $40 million in our closed loan inventory that we anticipate to recognize subject to market changes over the course of the first quarter. In addition, for loans closed on or after January 1, 2009, we have elected fair value accounting for our closed loan inventory, which should mitigate the accounting lag associated with the gain on sale of loans previously held at lower of cost or market.
In December, our gain on loan sell margin was 138 basis points and preliminary indications are that the gain on loan sale margin for January will be strong. In the fourth quarter, we had a loss of net loaned administration income of $46.2 million. Although we lost money on our mortgage servicing rights, by writing it down by $270 million, there is less asset at risk. Recent government intervention, including the Federal Reserve lowering interest rates by 175 basis points and the treasury announcing that they we're going to purchase $500 billion of mortgage-backed securities, created an extremely challenging environment for hedging this asset.
Now let's talk about loan production. Turning to page six, you see that we have increased our residential first mortgage loan production in each of the last two years. For 2008, we originated $28 billion of residential first mortgages as compared to $25 billion in 2007 and $20 billion on 2006. Since 2006, we have increased our residential first mortgage production by an average of approximately 20% per year.
Please turn to page seven. Our fourth quarter loan production trended downward from the prior quarters as we were not as focused on the production volume as we were in prior quarters. In the fourth quarter, we originated $5.4 billion of residential first mortgages as compared to $6.8 billion in the third quarter. As has been the case for the majority of 2008, we only intend on originating Fannie, Freddie or FHA insured residential first mortgages for sale. In late 2008 as mortgage rates dropped to historic lows, we saw a spike in locked volume. If you take a look at page eight, nine and ten, you see that December loan rate lock commitments were at historic highs.
Recent publications ranked Flagstar as the tenth largest residential loan originator in the country, the fifth largest FHA loan originator in the country, and the fourth largest residential wholesale lender in the country. Given the industry consolidation, we anticipate further market share gain.
Overhead expenses before FASB 91 and credit costs, which are reflected as non-interest expense, were lower by $9.8 million compared to the third quarter even as we continue to add loan servicing collection and lost mitigation staff. We will continue to aggressively manage overhead. In addition, we intend to seek additional fee revenue enhancements.
Now let's turn to liquidity. Please turn to page 11. During the fourth quarter, our retail deposits increased to $5.4 billion from $4.9 billion in the third quarter. For the year, retail deposits increased by 5.5% from $5.1 billion at the end of 2007 to $5.4 billion at the end of 2008. We were able to increase core deposits in a difficult market by maintaining our focus on customer service and through our effective advertising efforts.
Although we increased our retail deposit portfolio, we did not do so at the expense of our funding cost. For the quarter, our retail deposit funding cost decreased from weighted average cost of 348 basis points for the quarter ending September 30, 2008 to 340 basis points for the quarter ending December 31, 2008. We see these trends continuing as January retail deposit growth has been strong and funding costs continue to decrease.
During the fourth quarter, we opened two new banking centers bringing our total to 175 at December 31, 2008. Of these, one was in Michigan and one was in Georgia. For 2008, we opened 13 new banking centers. At this time, our goal is to continue to manage overhead and as such, we intend on opening only three banking centers in 2009, which are already under contract. In the fourth quarter, we opened over 2,200 net new checking accounts and over 340 net new savings accounts. For 2008, we opened over 11,000 net new checking and over 4,400 net new savings accounts. At the end of 2008, we had opened over 300,000 total retail accounts.
Now let's talk about our assts. Please turn to page 12. For the quarter, our balance sheet remained relatively flat with total assets of $14.2 billion at December 31, 2008 from $14.1 billion at September 30, 2008. Our available for sale portfolio decreased to $1.5 billion at December 31, 2008 from $1.9 billion at September 30, 2008. Our held for investment loan portfolio decreased to $9.0 billion at December 31, 2008 from $9.1 billion at September 30, 2008, as we are not originating any loans intended for our investment portfolio.
Slides 13 through 16 provide further analysis of our residential first mortgage portfolio by state, current loan-to-value, FICO score, and vintage year. Of the loans with an 80% LTV or higher, virtually all are covered by mortgage insurance. Page 17 provides further detail on our non-agency securities portfolio and page 18 provides information on our real estate owned portfolio.
Let's now discuss asset quality. Page 19 identifies our key asset quality ratios. In fourth quarter we had significant reserves increasing our allowance for loan loss to $376 million at the end of the period. Our fourth quarter increase in provision was mostly to increase our allowance for loan losses as charge-offs were $24 million for the quarter.
Our asset quality by loan type, including breakout of general and specific reserves, are identified on page 20. As you can see, the majority of the specific reserves are related to our commercial real estate portfolio. We also increased our secondary marketing reserve for losses on repurchased loans by $12.5 million to $42.5 million at December 31, 2008.
Turning to page 21, you can see that our 30-day and 60-day delinquency rates had been relatively flat over the last six months, however, the 90-day delinquency rates still continue to rise. One contributing factor to the increase in 90-day delinquencies is a reduction in foreclosure activity.
In November, we matched Fannie Mae and Freddie Mac in our decision to stay virtually all residential foreclosures until January 31, 2009 in an effort to provide additional outreach to customers who may benefit from loan modification or other workout alternatives.
Our collections specialists perform a detailed analysis and when appropriate assist customers with modifying their payments. We believe that those efforts are working as evidenced by the fact that our re-default rates have thus far been quite low.
As there has been more notoriety concerning the automobile industry, we have seen an increased scrutiny placed on some Michigan banks. We want to emphasize that our exposure to the automobile industry is limited and we have not seen a significant direct impact on our business. Despite the market environment, we have been able to increase our retail deposits. In addition, we are a national mortgage lender and have limited Michigan mortgage exposure. Only 9% of our residential mortgage investment portfolio is in Michigan.
Further, although approximately 55% of our commercial real estate loan portfolio was in Michigan, only 4% of that has automobile-related tenets, which is highlighted on page 22. In the appendix, we provide a variety of additional asset quality metrics both in our residential first mortgage and commercial real estate portfolios.
Now let's turn to capital. As mentioned earlier, we plan on receiving today a total of $523 million from the U.S. Treasury TARP Program, MP Thrift Investments and Management, of which $474 million will be immediately invested into Flagstar Bank to improve capital levels and to fund additional lending activity. On a pro forma basis, at December 31, 2008 our Tier 1 capital ratio with these investments would have been 8.32% and our risk-based capital ratio would have been 14.78%.
I would like to thank our shareholders to know that our board of directors and management team continues to work hard to navigate through this most challenging environment. We do not take dilution lightly, and we would not have agreed to raise capital under these terms unless we believed that it was in the best interest of shareholders.
As the economy continues to struggle, we believe that this infusion will provide us with both the considerable capital base to sustain future losses and to allow us to prudently increase our asset base and income stream. We believe the MP Thrift Investments will prove to be a knowledgeable investor with a shared vision on the success of Flagstar.
They have acquired a majority investment stake on what our management and even our most respected competitors know to be a great institution with an assembly of some of the industry's best talents. The transition to working with MP Thrift Investments has thus far been smooth, which forecasts a strong relationship going forward and we look forward to returning Flagstar to profitability and long-term success.
In conjunction with the closing of the investment, Flagstar is changing its constitution of its board of directors so that there will be 11 members on both the Bank Corp. and the bank board of directors. As such, Charles Bazzy, Frank De'Angelo, Richard Elsea, Kirstin Hammond and Robert Rondeau have resigned from the Bank Corp. board of directors, and Charles Bazzy, Richard Elsea, [John Curstan] and [Mary K. Verticelli] have resigned from the bank board of directors. Robert Rondeau will also be resigning as an officer of the bank and the Bank Corp.
New directors for both the Bank Corp and the bank board of directors are [David Maitlin], [Mark Patterson] and [Gregory Ang]. We welcome our new board members. I will remain as Chairman and Kirstin Hammond will continue to serve in her current role as President of Flagstar Capital Markets Corporation and a valued member of the executive management team.
In conclusion, I want to thank the departing board members for their service and dedication to the success of Flagstar over the years. I want to further thank our management team and all the Flagstar employees, including the front line associates who have personal contact with our customers for their confidence, hard work and dedication to this institution. You are the people who will take Flagstar to new levels of achievement. I also want to particularly thank Robert Rondeau for his long and continuous service and wish him the very best in his new endeavor.
With that, let me turn things over to Mark.
Mark Hammond
On page 23 of the presentation, we provide an outlook for 2009 for each of our key drivers. First the driver branch openings, as Tom mentioned for 2009 we intend to only open three new branches all of which are under contract.
Asset growth, we anticipate increasing the balance sheet to between $17 billion and $18.5 billion by the end of 2009. We intend to operate at higher regulatory capital levels than we have in recent years but intend on increasing our balance sheet to put some of the additional capital to work.
Residential mortgage originations, we are raising our prior estimate from a range of $32 billion to $42 billion to arrange a $36 billion to $44 billion. We anticipate our market share will continue to increase as we see significant consolidation and competition exiting the mortgage origination business. The additional capital will allow us increase in production.
Loan sales, in so far as we plan to sell virtually all of our production in 2009, loan sales for 2009 have been increased to match originations to a range of $36 billion to $44 billion.
Net interest margin at the bank level, we are increased on our [inaudible] range of net interest margin for 2009 from a range of 195 basis points to 205 basis points to a new range of 240 basis points to 270 basis points. We anticipate significantly lower funding costs as competitive pressure on deposits have eased and borrowing costs have fallen. Additionally, we anticipate significantly higher spreads on new assets coming on the balance sheet throughout the year.
Gain on sale margin, we are maintaining our estimates for gain on sale margin. Recent gain on loan sale margins have been the highest we've seen since 2003 as pricing discipline is returned to the market.
Retail deposit growth, we are raising our 2009 estimate of retail deposits to a range of 5% to 10% from a range of 2% to 6%. Deposit growth has been strong in recent months. If congress makes the $250,000 FDIC insurance a permanent change, we will most likely revise our estimate upwards.
Net loan administration income, we are widening our 2009 estimates for net loan administration income to a range of $60 to $80 million.
Loan charge-offs, we are widening our 2009 guidance on loan charge-offs to a range of $90 million to $150 million. Charge-offs are very difficult to estimate, and are highly dependent on future property depreciation, macroeconomic conditions and potential legislative changes.
Finally, let's discuss allowances of percentage of loans held for investment. We are raising our estimate to a range of 400 basis points to 500 basis points from a range of 245 basis points to 300 basis points.
With that said, let me turn this discussion over to our CFO, Paul Borja for the Q&A session.
Question-and-Answer Session
Paul Borja
Our first question comes from Bose George. Mortgage application spiked towards the end of the quarter, can you discuss the current trend in applications? Also, what kind of pull-through rates are you seeing?
Mark Hammond
Paul, yes, if you turn back to page nine in the presentation, you'll see that, as Tom mentioned, our new loan lock-ins or registrations are at a five-year high. Accordingly, we're also seen quite a pickup in our underwriting volume and anticipate an increase in our post volume, although we did not see it in December.
Our normal pull-through rates are around 75% to 78%. However, in the recent months we've been running significantly lower and our pull-through rates have only been 60% to 65%. The main reason causing this is that on refinances appraisals are coming in lower as property continues to depreciate and people have not been able to have the equity in their home to allow them to refinance.
We do anticipate that this may change slightly as both Fannie and Freddie are in the process of amending their guidelines to allow refinances on loans even when property values have fallen as long as you resell the loan back to the original guarantor or re-guarantee it back to the original guarantor.
Paul Borja
The next question is also from Bose George of KBW. If bankruptcy cram down legislation and goes through as written would FHA insurance cover the cram down of principle? And if not, is there a possibility that some of that cost gets pushed back to the servicer, is this something that the industry is trying to resolve before the legislation goes through?
Mark Hammond
Most likely on FHA we do not believe that the servicer is at risk. On conventional, the picture is a little less clear. We do not believe that the servicer will be at risk, but MI companies are positioning themselves to make the claim that they do not cover bankruptcy cram down and Fannie and Freddie are assessing their views of what that would mean.
More likely than not, our belief is Fannie and Freddie would have to cover those losses and [inaudible] have to seek assistance for the government to cover those losses. So it would probably be an indirect government subsidy to people declaring bankruptcy for those values.
On our own portfolio, if the MI companies are successful on conventional loans of taking the position that they will not cover the claim, then we do have some exposure on our own portfolio. We're in the process of measuring that and there is the potential that we would have to increase our estimates of charge-offs if there is unfavorable legislation from that aspect.
And then the industry is clearing fighting this. Obviously the banking lobbying has been somewhat weakened in the last six months, but there is a lot of people continuing to lobby for the change in trying to put exclusions in limiting the amount of loans. And hopefully if congress does pass that it, it will be much more limited as far as it's broadly been discussed. That ideal situation for us would be that it would be limited to sub-prime exposure, which would have very minimal impact on us since we did not originate sub-prime loans.
Paul Borja
The next set of questions are from Annette Frank of Freidman Billings & Ramsey. Her first question, explain your new valuation of the MSR the mortgage servicing rights, which are now at 93 basis points. What is driving the lower valuation?
Mark Hammond
The majority of effect of the lower valuation is coming from being in a lower interest rate environment.
Paul Borja
Annette's next question, how are you seeing current demand in pricing trends in the market for mortgage servicing rights of sales?
Mark Hammond
We're still seeing active buyers at decent valuations for flow sales. We are not seeing much demand for bulk sales.
Paul Borja
The next question from Annette, with Maitlin Patterson getting a 70% stake in the company, would you foresee any changes to your current strategy for the firm?
Mark Hammond
Right now we're not anticipating any significant strategic direction change or management change.
Paul Borja
Annette's last question, what is driving the net interest margin decline?
Mark Hammond
Like Tom mentioned in the speech, there's four factors, the fact that we've been holding a lot higher cash and cash equivalent liquidity position of approximately $1 billion has been creating a negative spread situation on that aspect, Fed lowering interest rates to 175 basis points during the period. The lowering was so fast that it caused our prime rate-based assets to re-price slightly faster than the associated funding costs. We also have increased non-performing assets, which are creating a drag on net interest margin.
And we saw our AFS shrinking during the period and typically our AFS portfolio has a high margin. On a go forward basis, we're looking to see an increasing AFS portfolio allow some of the margins to return. We're also seeing that our funding costs now are coming down pretty significantly for the month and anticipate, as we mentioned earlier, giving guidance on the driver of that interest margin that we anticipate a pretty significant pick up, particularly when we put new assets on the balance sheet at higher margins that we've historically had.
Paul Borja
This concludes the questions we've received. With that, let me turn things back to Mark.
Mark Hammond
During the call, we received word that our capital raises from both MP Thrift Investments and treasury have closed and are funded. We'd like to thank Flagstar's Board of Directors and our co-workers who have all worked diligently and managed through a challenging market, and we welcome MP Thrift Investments to the Flagstar family.
We are confident that we have the capital, balance sheet, funding sources and season management team to execute our business strategy in which it continues to be an environment with economic uncertainty but plentiful opportunity.
Thank you and good afternoon everyone.
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It's only August but the Congressional Budget Office is predicting the United States will see another $1 trillion deficit before we hit October. The federal government has posted $1 trillion deficits every year since President Obama took office and the Democrat controlled Senate hasn't passed a budget in more than 1100 days. No budget means not knowing how much is being spent. In 2008, the deficit was less than $500 billion. The national debt stands at nearly $16 trillion.
The nonpartisan Congressional Budget Office (CBO) on Tuesday estimated that the federal budget deficit stands at $975 billion through July.
This guarantees that the deficit for fiscal 2012, which ends Sept. 30, will be above $1 trillion.
The deficit through the first 10 months of 2011 came to $1.1 trillion, $125 billion more than through the first 10 months of this year.
Americans for Prosperity is out with a new ad today addressing this issue and is reminding voters of President Obama's pledge to cut the deficit in half.
|Katie Pavlich is the Editor at Townhall.com. Follow her on Twitter @katiepavlich. She is a New York Times Best Selling author. Her new book Assault and Flattery: The Truth About the Left and Their War on Women, will be published on July 8, 2014.
"Mamas, don't let your babies grow up to be brainwashed government dependents. Buy this book!" says Michelle Malkin.
"This is a thorough and gutsy book that should help set history straight." - Mark Levin
Buy Katie's book today and help us keep the pressure on the Left.
Author Photo credit: Jensen Sutta Photography
Sen. Baldwin: First Amendment Applies To Institutions of Faith, 'But I Don't Think It Extends Far Beyond That' | Matt Vespa
White House: We Aren't Going to Comment on Murder of Kate Steinle By 7-Time Felon Illegal Alien | Katie Pavlich
After the mob has moved on, we learn Nobel scientist Tim Hunt isn't a sexist monster | Mary Katharine Ham


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Walmart has announced plans to incorporate the next generation of Keystone Folding Box Company's Ecoslide-RX compliance package into its pharmacies nationwide beginning in 2015. The new Ecoslide-RX 2.0 offers a host of upgraded features that enhance user-friendliness, including redesigned lock/unlock functionality and enhanced graphics providing more dynamic user instructions.LISTED UNDER: BOXES, set-up
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Rondo-Pak, a leading provider of quality folding cartons to the pharmaceutical, biotech and medical device industries, has developed a carton that can be equipped with multi-media consumer engagement features, including a thin, lightweight HD video screen – complete with sound – seamlessly integrated into a standard or custom-designed carton.LISTED UNDER: BOXES, set-up
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House OKs Bill To End Air Traffic Controllers' Furloughs
The furloughs of air traffic controllers that have slowed air travel in the past week and frustrated thousands of fliers should soon come to an end.
By a vote of 361-41, the House of Representatives just passed legislation that would allow the secretary of transportation to shift up to $253 million in funds so that controllers no longer have to be furloughed to meet the requirements of sequestration (the mandated, across-the-board spending cuts that began taking hold March 1).
The Senate, by unanimous consent, passed the legislation Thursday night.
At the White House, spokesman Jay Carney said Friday that President Obama will sign the legislation once it's on his desk. But, "this is just a band-aid solution," Carney added. He called on Republicans to display "even a portion of the concern" they showed about flight delays for the effects that automatic budget cuts are having on other programs.
The Associated Press adds that "in addition to restoring full staffing by controllers, the available funds can be used for other FAA operations as well, including preventing the closure of small airport towers around the country.


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Funny Ping Pong
Posted by xsaramyra on Aug. 28, 2007
Break celebrates 4th of July the American Way: by laying the smack down on ...
With the 4th of July around the corner, we celebrate the most kick-ass USA ...
Dude, are you drunk AND high? Or are you just being PRANKED?!
Posted by xsaramyra on Aug. 28, 2007


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- No need to re-fuel your hire car in the USA when you return it
- Upgrade from just £30 extra a week to the Alamo Gold
- Alamo Gold is only available to UK residents
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Ohio's Nelsonville Music Festival is fast becoming the highlight of my yearly concert-going. Produced by Stuart's Opera House, the three day festival once again took place at the Historic Village of Robbins Crossing at Hocking College. A relaxed atmosphere, friendly organizers, and comparatively low ticket prices all contribute to the festival's charm. But music is the main feature and last weekend's array of acts offered something for fans of every taste.
The 2012 lineup was a fantastic blend of veteran musicians (including Michael Hurley, Charles Bradley, Jorma Kaukonen, Roky Erickson, and Lee 'Scratch' Perry) and current pop/rock acts (such as Kurt Vile, Dark Dark Dark, Andrew Bird, Dawes, and M. Ward). Two of this year's best performances were side projects by members of legendary groups (Sonic Youth co-founder Lee Ranaldo with his band and R. Ring, featuring the Breeders' Kelley Deal). Below are some pictures from the weekend.
Michael Hurley
Jorma Kaukonen
Dark Dark Dark
R. Ring
Kelley Deal of R. Ring
Roky Erickson
Andrew Bird
Lee \'Scratch\' Perry
The Old Fashioneds
Flying Clouds of South Carolina
Mount Moriah
Lee Ranaldo Band
M. Ward
Colette Carr "Static" (video) (Premiere) // Music
House of Blondes "First of July" (audio) (premiere) // Music
Digisaurus 'No More Room For Love' (EP stream) // Music
Eszter Balint 'Airless Midnight' (album stream) (premiere) // Music
PopMatters is on a short summer publishing break. We resume Monday, July 6th.
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"PopMatters is on a short summer publishing break. We resume Monday, July 6th.READ the article