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what I wanna be when I grow up...chick finding herself again and again....through yoga,love,life,travel and art...
Monday, January 31, 2011
Cell phones
All the rickshaw drivers have one and it is very convenient to be able to call "your" rickshaw driver to pick you up.
BUT, you need to be prepared for a timely and very rather complicated ordeal, just to get a sim card.
I recommend to bring your own cell phone, but it has to be "unlocked" so that you can just put an Indian sim card into it.
You can actually buy unlocked cell phones on ebay.
Or you can a very basic cell phone here for really cheap ($10), but texting will be really tough, and you want to text because it is actually free.
To buy a cell phone and/or sim card you will need to bring a copy of your passport and visa and an extra passport picture. All of this can be done with in walking distance to the cell phone place but it takes a looooong time. The government is controlling and keeping an eye on everything by requesting passport copies, pics etc. The shop owner has to fill out quite the paperwork for each sim card and has to call and text the info into some government office to get an approval code.
The sim card I bought was only $1 with about 80 minutes of talking time and I hope it will last me for the month here. I can actually receive texts from the US for free.
So my advice, bring a stack of copies and passport pics.
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Recipes from ANU GANESH
She is actually working on a cooking book.
I will try to find out where you can get once it has been published. I hope she will actually make it happen soon.
Refer back to pictures of my cooking class with Anu post.
Cumin Powder
Cumin, or jeera, is an essential ingredient in my cooking. Cooking without cumin gives me a sense of incompleteness and dissatisfaction because it has excellent digestive properties and is great for the liver. Most Malayalees (natives of Kerala, the southernmost state of India) drink cumin water every day. Cumin water is a good substitute for plain drinking water and is made by adding a tablespoon of cumin seeds to about a liter of boiling water, which is then allowed to cool. Jal jeera (jal = water, jeera = cumin) is also a popular and healthy drink in the northern part of the country.
Dry roast 100 grams or around 1 cup of cumin seeds in a wok until the aroma of the cumin rises. Cool the seeds and blend into a fine powder. Store in an airtight container after the powder cools to room temperature. Cumin powder is best homemade.
Garam Masala
Garam = Hot
Masala = Spice powder
Garam masala is considered the mother of masalas and is a very potent mixture. It is best when made at home, and can also be found in Indian grocery stores. It should be used only in small quantities, usually ¼ teaspoon for a six-portion dish, or a pinch for smaller portions.
Garam masala is usually one of the important ingredients in meat recipes in India. It is also used in the preparation of certain daals and vegetable curries, or kurma. Garam masala should be avoided by people with acidity problems, as it causes severe heartburn when used in oily recipes.
Makes approximately 50 grams or 3 Tbsp of powder.
Dry red chili
1 two-inch piece
Green or black cardamom
5 pods
Black peppercorns
1 Tbsp
Saunf (fennel seeds)
1 tsp
Blend all ingredients into a fine powder and store in an airtight container.
Coriander Seed Powder
Coriander, or dhania, is used extensively as fresh leaves (also known as cilantro in the west, or Chinese parsley in the east). The coriander seeds are normally used in powder form in combination with other herbs and spices.
The inner seed of the coriander seed is called dhania daal. The seed can be dried, de-husked or flaked, and then mildly dry roasted with a dash of salt for a great digestive. Dhania daal is usually mixed with paan masala (a mixture of shredded betel nuts, edible camphor, anise/fennel seeds, dry coconut, menthol, dhania daal, crystal sugar, and sometimes tobacco), which is chewed after a meal for digestion or as a mouth freshener.
Dry roast 50 grams or 1 ½ cups of coriander seeds in a wok until lightly roasted and the seeds give off their aroma. Cool and blend into a fine powder. Store in an airtight container after the powder cools to room temperature. Although coriander powder is readily available at stores, fresh powder made at home gives the more desired flavor.
How to Make Paneer
Makes ½ kilogram or about 1 pound.
Organic fresh whole milk (or any packaged 2% milk)
2 liters
White vinegar or lime juice
1 Tbsp
Bring the milk to a boil in a deep pot. When the milk begins to rise, lower the flame to medium to prevent overflowing. Add vinegar or lemon juice with a teaspoon while stirring. Pure organic milk will split immediately, and the whey will separate from the milk solids. Packaged milk may take longer and may require more vinegar or lemon juice. Continue boiling until the whey becomes considerably clear. If the whey is milky, add few more drops of vinegar or lemon juice until it becomes clear. Strain through a muslin or cheese cloth. Wash the fresh paneer under running water to remove traces of vinegar or lime juice. Tie the cloth with the paneer above the kitchen sink for about an hour and let the whey drain away. Take down the cloth, and press the cheese while it remains inside the cloth to flatten it to a height of around ¾ to 1 inch, equally. Use blotting papers or old newspapers above and below the cloth, then place a heavy weight over the paneer wrapped in the cloth to drain excess water. Leave the weight on the paneer for a couple more hours.
If you wish to store paneer for two to three days, immerse the slab in water and refrigerate. Change the water every day to maintain its freshness. Paneer has a short shelf life and should be used within a week.
If you wish to make soft cottage cheese, add ½ teaspoon of cumin seeds and salt to taste before straining. Strain over the kitchen sink and then squeeze the cloth from the top while pressing the cheese into the cloth to remove any excess whey. Knead a little, store in a clean, dry container, and refrigerate. Use in a couple of days.
¨ You need at least 4 to 5 liters of 2% milk to make a kilogram of paneer (or about 16 to 20 cups of milk to make 2.2 pounds of paneer).
¨ Storing paneer for over a week is not advisable.
¨ Paneer does not melt and can be shallow fried in the form of cubes or slices.
Palak Paneer
Palak = Spinach
Paneer = Cottage cheese
Serves 6.
Palak leaves
500 grams or 6 cups, tightly packed
Paneer, diced
500 grams or 2 cups
Oil for seasoning
2 Tbsp
Green chili
Cumin seeds
1 tsp
Coriander seeds
1 tsp
4 cloves
Onion, roughly chopped
1 cup
Turmeric powder
Fresh cream (optional)
1 Tbsp
Blanch the thoroughly washed palak leaves for 10 minutes in lots of very hot water (do not boil palak). Remove from hot water and cool. Save some of the water as stock for blending.
In a heated pot, add the oil, cumin seeds, and coriander seeds, and fry for a minute or until the cumin seeds begin to sputter. Add the garlic, slit green chilies, and onion and fry until onions become opaque. Add the turmeric powder and fry for half a minute. Add this seasoning to the blanched palak and cool.
Blend all of the above into a rough paste with a little of the palak stock.
Heat a little oil in a pot, add the paneer, and stir-fry for 1 minute. Pour in the blended and seasoned palak and add salt. Cook on a high flame for 5 to 6 minutes or until it just starts to boil. Remove from the stove. Garnish with fresh cream and serve with rice or rotis.
© Blanching the spinach for more than 5 or 10 minutes will change its color.
Vegans may eliminate the fresh cream and use tofu or steamed vegetables instead of paneer.
Baingan Bhartha
Baingan = Brinjal = Aubergines = Eggplant
Serves 4 to 6.
Eggplant, long purple
2 large
2 Tbsp
Onions, roughly chopped
2 medium
5 to 6 cloves
Curry leaves
1 sprig
Turmeric powder
½ tsp
Coriander powder
1 Tbsp
Cumin powder
1 Tbsp
Chili powder
1 tsp or per taste
Garam masala
¾ tsp
Mango powder
1 tsp
Tomatoes pureed in a blender
½ cup
Coriander leaves, chopped
2 Tbsp
to taste
Onion rings for garnish
Roast the eggplant directly over a high flame, rotating it from time to time until the skin burns. The inside of the eggplant will cook and become tender in the process. Clean off the skin and split open the eggplant to see if the inside has any infestation, as organically grown vegetables can easily get infested; no need to fret, simply remove the infested part and throw it away. An alternative to roasting is steaming the eggplant then peeling off the skin.
Mash the already cooked pulp roughly or blend in a blender, but not very smooth.
Blend the onions and garlic into a rough paste.
In a heated pot, add the oil, curry leaves, and onion–garlic paste and fry until most of the moisture evaporates. Lower the flame and add the turmeric powder, coriander leaves, cumin, garam masala, chili, and mango powder and fry for 15 to 20 seconds. Add the pureed tomatoes and simmer for about 10 minutes. Add the mashed eggplant and salt and mix well. Add water if the mixture is too thick. Simmer for another 10 minutes. Garnish with finely chopped coriander leaves and onion rings and serve hot with rotis.
Baingan Delight
Serves 4.
Eggplants (thin, long purple or green)
500 grams or about 1 pound
3 Tbsp
Mustard seeds
½ tsp
Curry leaves
2 sprigs
Peanuts, raw, shelled
Chana daal
1 Tbsp
Urad daal
1 Tbsp
Sesame seeds
1 Tbsp
a pinch or two
Onion, finely chopped (optional)
1 medium
Turmeric powder
½ tsp
Multipurpose powder
2 tsp
Mango powder
1 tsp
to taste
Coconut, grated fresh (copra)
3 Tbsp
Coriander leaves, chopped
2 Tbsp
Wash the eggplants well, slit them into fours lengthwise, and further chop them into half-inch pieces. Put the pieces into salted water.
In a heated pot, add the oil. Add the mustard seeds and heat until they pop or sputter. Add the curry leaves and raw shelled peanuts and fry them for about 30 seconds. Add the chana daal, urad daal, and sesame seeds, and fry until the daals and the peanuts begin to turn golden. Add the asafoetida and fry for 5 more seconds. Add the chopped onions and stir-fry until onions turn opaque (optional). Add the turmeric powder and mix. Remove the eggplants from the salted water and add them to the seasoning, mix well and cook on a medium flame with the lid on. Stir occasionally. When the eggplant is half cooked, add the mango powder, salt, and multipurpose powder and mix well. Cover and cook for 10 minutes on a medium-low flame. After the eggplant has cooked, remove from heat, garnish with grated fresh coconut and coriander leaves and mix gently. Serve with chapattis or rice.
§ Some varieties of eggplants may have a bitter taste that can cause itching or discomfort inside the mouth. Eggplants oxidize quickly and turn brown. Soak in salted water after chopping them to avoid the bitterness and any change in color.
§ Avoid overcooking the eggplant to preserve its vitamins and minerals.
§ The same dish may be made with tomatoes instead of mango powder in a pressure cooker. Complete the seasoning portion of the recipe directly in the pressure cooker. Then add the eggplants, salt, tomatoes, multipurpose powder, and a cup of water, and mix well. Pressure cook to one whistle. Garnish with coconut and coriander leaves. This creates a juicy dish.
Eggplant in Yoghurt
Serves 4 to 6.
Eggplant, large purple
Turmeric powder
¾ tsp
Chili powder
1 tsp
1 tsp
a little
a little
4 cups
1 tsp
Cumin powder, roasted
1 tsp
Coriander leaves, fresh
1 sprig
Mix the turmeric and chili powders with salt and add a few drops of water to give it a slightly runny texture.
Slice the eggplant into one centimeter thick, round slices. With the edge of a chopping knife, lightly beat both sides of the slices until the surface is slightly rough. Apply the mixture lightly on both sides of the slices and allow to marinate for ten minutes. Roast the slices on both sides in a pan with a little oil. Alternatively, grease a baking tray with some oil, place the marinated slices in the tray, and bake or grill until golden brown.
Place the curd in a separate bowl. Add the sugar, some salt, and the roasted cumin powder, and mix.
Arrange the cooked eggplant slices in a shallow dish and pour the curd mixture over them to cover completely. Garnish by sprinkling more cumin powder on top and decorate with coriander leaves.
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Italian restaurant in India
it is just fair to give Marina a break from very spicy south Indian food.
She has been a real trooper going along with everything new we have been putting her through.
She hates spicy food and this is a tough place to get anything but...
So one of the rare finds: An Italian restaurant with pizza, risotto,cappuccinos and a very delicious Greek salad (?HUH?)...
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Micaela & Marina's apartment in Gokulum
bird cage in their window
western toilete with Indian little hand held hose next to toilete to "wash up" after NOT using toilete paper. Still have not figured out how exactly they are cleaning themselves after number 2?
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Sunday, January 30, 2011
India knowledge
Indian married women wear toe rings to control their sexual desire for other men.
They wear the other jewelry (bracelets, necklaces etc) to keep their female hormones healthy and flowing in their bodies. Once their husband die, they take all of the jewelry off.
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Megastore in Mysore
I noticed bottles are much smaller then ours.
I also was confused by this product: Whitening face cream? That is just disturbing.
The had two isles filled with bar soaps for washing your clothes...
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Another day at the Indus Valley Ayurvedic Spa
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Saturday, January 29, 2011
forbidden pictures
these are pictures of a chanting class, which we have 3 times a week (Monday, Wednesday and Friday at 11:30 a.m.) and a guided/led Ashtanga class, which we have twice a week (Friday and Saturday at 8:00 or 7:00 a.m.), where everybody is doing the sequence called out by a teacher at the same time.
The unguided class is Monday-Thursday (9:00 a.m.) where we do the sequence on our own with the teacher adjusting us.
These are the times I have to be there, since I am a "beginner" I come later. The more advanced students like Kino MacGregor, who also happens to be here at the same time, come around 4:30 a.m. in the morning. The advanced students are done around the time I start, which means they are practicing 4 hours, doing first, second and/ or maybe second and third series, while I am still working on primary series.
I practice "only" for about 1 1/2 hours.
The room is hot and smells like sweat.
About 60 people are in this room covered in rugs. The mats have about a hand width between each one.
It is amazing hearing and feeling everybody breath at the same time.
chanting class, a great way to learn sancript
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would love to read some comments
would love to know who is actually following me.
No need to sign up with blogger to comment just comment as "Anonymous".
Thank you, Shanti Tanja
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Apartment or hotel in Mysore
Most yoga students stay in a hotel for a couple of days and then move into an apartment around the shala in Gokulum.
My hotel is about $50 a night with a free breakfast buffet and all the "nice stuff" that comes by being in a hotel (free Internet, pool, TV, fresh sheets, towels, clean room, room service, restaurants, drinking water about $4 for big water dispenser in my room, laundry service for about 50 cents per piece, coffee maker, fridge, soap, shampoo, blah blah).
It costs me about $2 for a rickshaw to drive me about 20 minutes away through the busy city to the shala.
A two room apartment within walking distance to the shala costs about $20- 40.
Nowadays it is more normal to make sure that your apartment also has TV, fridge, shower with hot water and Internet connection. Especially around Gokulum the apartments for short time rent (weekly and monthly rates)for the yoga students are more luxurious and equipped to fit the western people with western toilets.
I would recommend taking a hotel room for a couple of days and then get an apartment. You do not need to plan this ahead, even tho it is better if you know somebody who can connect you with somebody or even been here before and are able to get the same place again. It is really pretty easy to get an apartment just ask. Ask at the shala, ask your rickshaw driver, ask people you meet around the shala etc....somebody always seems to know somebody who has an apartment available within a week or even the next day.
Breakfast buffet at my hotel Pai Vista.
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Pc, Ps3 and Xbox 360 versions of Dead Island Riptide will release on the 23rd of April 2013 in America and 26th of April Worldwide.
The official Facebook Dead Island page announced the release date with some interesting news about pre orders and special editions of Riptide.
- Pre Order and get access to exclusive weapons mode and special dismembering moves
- Special Edition will get a extra character skin
- More special to come
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subset: commoncrawl


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Brochure | November 3, 2011
Brochure: The Enviroquip® MBR System
Source: OvivoMBR technology has been successfully used for the treatment of municipal, commercial and industrial wastewaters for discharge and reuse since the 1980s. With thousands of installations operating worldwide, MBR technology has reshaped the way we view wastewater treatment and water conservation across the globe. Since our first US installation in Bandon Dunes, Oregon more than 10 years ago, Ovivo USA, LLC has become the industry leader for complete MBR systems.
An ISO 9001 certified company, our diverse, experienced technical team can design and supply a range of offerings from simple membrane equipment packages to complete, ready-to-operate, systems. Starting with headworks designed specifically for MBR applications and ending with proven membrane-basedsolids management, each Ovivo plant is a unique, tailored solution.
In addition to single-source responsibility (SSR), Ovivo offers our clients the following:
- Better Project Delivery
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CIO says IT projects in fiscal 2011 and 2012 will have six-month deadlines
The Federal Aviation Administration is slowly saying good-bye to IT projects that take several years to deliver results, and is instead assigning select projects a six-month deadline, according to a senior official.
Steven Cooper, CIO of FAA's Air Traffic Organization, said any project his agency starts in fiscal 2011 or fiscal 2012 will take less than six months to deliver "tangible business value, as defined by a designated business value owner."
Cooper, speaking at an event today hosted by the Association of Management Consulting Firms, said the six-month deadline is absolute. As a result, he has told his team they may "de-scope" requirements if necessary to meet the deadline.
Related stories:
FAA missing key data on one-third of the nation's planes How FAA left the high-risk list behind
How FAA left the high-risk list behind
"We're going at that directly…keep requirements at a minimum," Cooper said. "We're not trying to cram three-year or five-year programs into six months."
He said projects are being handled so they can deliver business value in a shorter time, adding that none of the fast-tracked projects have to do with the National Airspace System.
"We're not starting at the top," Cooper said. "[We've] deliberately picked projects that lend themselves to what we're trying to do."
A couple of these projects are already underway and one has already been completed ahead of planned delivery, he said. The agency's first fast-track project had a four-month delivery, but it was done in 90 days.
Cooper said his agency has flexibility because it does not fall under the Federal Acquisition Regulation, but has its own procurement system – the Acquisition Management System.
About the Author
Alyah Khan is a staff writer covering IT policy.
The article specified that these projects are NON-NAS. What it seems to be saying is that the larger projects will have to be busted up into multiple, smaller projects to meet the 6 month time line. Multiple awards could mean increased cost to meet the reduced time frames.
I think the article and/or Mr. Cooper may have over simplified the acquisition process within the FAA. Most NAS-related acquistions, requirements development through complete implementation, take much longer than 6 months. Once the contract is awarded the implementation through ORD is much longer than 6 months. Very few NAS related projects would make it through IOC before 6 months. If so, it would be for just one ATC location. The NAS is very complex and we have a very active unions to work with. Plus the AMS is not and end all. Much of the benefits of AMS can be found in the FAR. So don't think that being relieved from gov regulations is the silver bullet.
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In this example, the relationship naturally progresses because your potential clients are spending more time, receiving greater value, and eventually investing in your products, programs or services.
By using education-based communications systematically in your business, you will touch your prospects in meaningful ways, give valuable information that enhances your clients' and prospects' lives, and show that you are the best solution for their needs.
The idea of touching your prospects seven to 10 times or more might seem a bit daunting if you don't have seven to 10 touches of valuable information to provide and you don't want to be perceived as too sales-y. Prospects welcome education-based communications because they give value and inform—they are not sales-y. Understanding your market's greatest interests, needs and wants is very important when creating your education-based communications, because solving these needs is the basis of the products, services and programs you create.
How do you determine your target market's greatest needs, and the type of products you need to create to attract, nurture, convert and serve your clients? Here is a five-step process, using an example of a wellness and weight-loss counselor.
Step 1: Identify your target market's problem.
"They can't lose weight and keep it off."
Step 2: Identify the reason for the problem.
• They don't have a strategy or plan to lose weight.
• They're not properly educated about weight loss.
Prospects welcome education-based communications because they give value and inform— they are not sales-y.
Step 3: What does the target market need?
• A strategy and a plan • Weight-loss education • Accountability • Proper self-care
Step 4: How can you solve their needs?
• Give tips for immediate improvement.
• Create a five-month, five-step weight loss system.
• Provide tips on how to eat "whole," shop, read labels, etc.
• Suggest ways to create accountability in their lives.
• Set up an accountability group.
• Explain how they can eliminate the guilt from making themselves a priority in their lives.
• Teach stress management techniques.
• Give them strategies for work/life balance.
DELIVER THE GOODS Once you have identified your target market's greatest problems and determined how you can address their needs,
it's simply a matter of delivering free and paid products through various forms, such as the written word, audio, video and live training. As a speaker, you probably have an abundance of information that you can package and deliver.
In the weight-loss counselor example,you learned how to create a variety ofproducts and services, including:• Five tips that will help the audiencerealize immediate improvement in afive-part audio, article or short video• A five-step, five-month one-on-onecoaching system to help lose weightand keep it off• A five-step, 12-week group coachingprogram to help them lose weight• Weekly email tips on how to eat"whole," shop, read labels and more• Weekly online accountability group• Six-part audio CD program to learnself-care strategies, stress managementtechniques, and create work-life balance.
By implementing relationship marketing using education-based communications, you will be able to attract more prospects, nurture relationships over time, convert prospects to paying clients, and deliver products, programs and services that solve your market's greatest needs. This gives you tremendous potential to create income streams beyond the platform for long-term sustainability in your business and provide you with a solid income for years to come.
Kim Clausen founded Ready2Go Marketing Solutions to help personal development professionals market their businesses more easily by providing completely developed workshops, teleseminars, speeches and more that they brand as their own. Clausen is a professionally trained coach who has more than 20 years of marketing and business development experience. She is an author, public speaker and teacher, and the president of the Denver Coach Federation. Visit www.takeonestepforwardtosuccess.com.


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Functional skills and GCSE 2010: Core skills for today's learners
Our functional skills pilot has seen over 70,000 entries for this summer's series alone, making us the leading awarding body for functional skills and the ideal choice for helping you to implement the new qualifications. To help support those centres that are not yet eligible to deliver functional skills, we have a Development Programme with over 2,500 members.
Email us at firstname.lastname@example.com to confirm your eligibility for the pilot or the Development Programme.
Autumn 2009 functional skills overview eventsBook your FREE place on one of our functional skills overview events this autumn to find out more, or watch the online seminar about the pilot on the functional skills training page.
What you need to know
Functional skills qualifications will go live in September 2010 alongside the new GCSEs in English, mathematics and ICT. Functional elements have been embedded into our new GCSE specifications and assessments. Download a copy of our latest brochure, which contains an overview of each subject and information on how it relates to the new GCSEs.
We've been using the extensive experience we've gained through the pilot and our Development Programme to develop functional skills alongside the new GCSEs. Each specification will deliver the coverage and range for both level one and level two. These elements will be easy to deliver and co-teach within your lesson plans, and will be fully supported by resources and training.
Functional skills qualifications will also be offered as stand-alone qualifications from September 2010. In line with the current pilot, we will be offering specifications across five levels in all three areas:
Functional English
Functional mathematics
Functional ICT
What you can expect from us
To help you prepare, we're providing the highest level of support. You can expect to receive:
Let us help you prepare
We're working hard to keep all centres up to date with latest 2010 developments, including functional skills. Stay abreast of what's happening by emailing email@example.com to receive our e-newsletter.
For further information on functional skills, visit www.edexcel.com/fs.
GCSE English FAQs
Approved for GCSE 2010 modular and GCSE 2012 linear
Sign up for email alerts using your Edexcel Online account details and you'll receive an email whenever new documents or notices are added to this page – ensuring you don't miss any vital updates.


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As an adult, the misguided lessons I learned during my public school elementary education have caused me to look like a total moron on more than one occasion.
And, since my mother is an elementary school educator (still working at the same school I attended), I can't blame the teachers. I can only blame myself.
In first grade, we learned about the cardinal directions on a map. Staring at the North-oriented pull-down maps and our North-oriented map worksheets for an entire year burned the lessons into my brain. One problem: the classroom and all its desks faced South. To this day, I have to mentally spin my internal compass when giving directions.
I don't understand daylight savings. I suppose this has more to do with being a native Arizonan than my education but it still messes me up. I remember visiting my dad in California and he reset all the clocks one day to adjust for this strange thing. It still freaks me out that everyone else (including Indiana now) agrees to and coordinates the manipulation of time itself. What are they? Gods?
Also, I still make mistakes distinguishing between left and right. I have no explanation for this.
And, here's the best one. As a kid, I got it in my head that a.m. is when the sun is up and p.m. is when the sun is down. I recall my teacher writing, "Lunch at 12 p.m. today!" on the chalkboard and I giggled because I thought she made a mistake.
Lunch doesn't happen at midnight.
No, but the deadline I missed today did.
Like I said, moron.
(For more funny — and totally incorrect — ideas formed during childhood, check out this post.)


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It's a Boy Jungle out there! Shop from over 50 independent stores and get your boys clothing, handmade baby toys and funky boys-only gear, all in one place!
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Babes & Tots Designs
Vintage Chenille
Or Elsie!
Puppy Dogs Tails
I really do believe that we are lucky in Australia, I love our wide open land.
Green and Gold Bunting


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What if we… thought about art as a serious and valid means toward addressing our goals and mission. not just as a frilly, pretty, fluffy, extra attachment started an unofficial public art campaign. something that brought delight, loveliness, and thoughtful questions to our everyday environments and to all the (diverse) people who walk there. had artists [...] Continue Reading »
letter to a friend: on how we might give a gift to the city with our art
0pictures i like: owning up to what i do
2[ from a. addair who is listening to Willie Nelson (The Very Best of Willie Nelson Disc 1) ]
news from computer land
0(from a. addair) I got some blog lovin' at britthermann.blogspot.com . Go check it out so that you can learn how terrific I am and to learn about Britt. She is an inspiring and delightful fellow artist; her work makes me smile.


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Any resemblence of anything on this blog to anything that can be classified as good writing is purely coincidental and deeply regretted.
In case you are a closet masochist, you may continue reading (at your own risk of course).
Any development of suicidal/homicidal tendencies and/or a general desire to punch the computer screen are not the responsibility of the author.
Thank you. Come again.
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Category Archives: Serious stuff
Freedom … yeah, right!
So Lelyveld said Gandhi was bisexual. So what? We ask the book be banned? Gujarat has already done it and Maharashtra is contemplating the same. First most basic question. What is the big deal about being bisexual? It's a personal … Continue reading
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1 Comment
If Ram existed, he'd be super pissed about this!
Check this out These people are nothing but petty thieves, wannabe dons and desperate-for-attention-housewives-who-haven't-scored-in ages. Give them what they deserve. Point and laugh!
Posted in Lame attempts at humour, Serious stuff
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Really sad scene
Just this morning, I got this link via twitter. It is a link to an article on the Financial Express where Baba Ramdev says that India should ban Rs500 and Rs1000 notes so that we can reduce corruption. This article … Continue reading
Posted in Serious stuff, Uncategorized
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This happens only in India ….NOT
The Ukrainian parliament, a few days ago, erupted in fighting and violence and shoe throwing* over the Russian fleet deal.Yes that's right things were thrown around most notable eggs (!) , smoke bombs and punches. Check out this video on … Continue reading
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Bad, bad media
I have already written about how the Indian media tends to go overboard several times with useless stories. This time it's gone to the extent that I have to actually bring my lazy self to blog about it. All I've … Continue reading
Posted in Lame attempts at humour, Serious stuff
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Audacious Austerity
Much has been written about the recent austerity drive undertaken by the Congress government and the subsequent effects of this on their members (most notably Shashi Tharoor and the positively ludicrous 'cattle-class' episode). The Times of India recently carried an … Continue reading
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Some random thoughts after the attack
-I totally agree with the decision to set up a new organisation to handle terror attacks in India. But since our leaders are bound to politicise the issue , the handling of this new body should be totally independent of … Continue reading
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and btw…
India Inc is set to lose Rs50,000 /- crore because of this attack not to mention huge losses in terms of Human capital (some of the people who dies were after all some of the most successful people in India). … Continue reading
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Yet another tragedy
After the horrific terror attack on Bombay and the 195 deaths it caused , we have another tragedy. Barely have the funeral pyres of the heroes of Bombay stopped burning that our politicians have begun pointing fingers at each other. … Continue reading
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Two things I don't support…
1. Matthew Hayden blaming his team's 2-0 defeat on petty issues like people taking too long to move out of the way of sightscreens . 2. People going overboard and singing praises of India's economic might to justify the claim … Continue reading
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text:
Tyler White's unforgettable time with Carl Froch
Live this weekend: Aston Villa v Man Utd
Download our podcast as Neil Reynolds and Jeff Reinebold talk about the big NFL issues.
Thierry Henry talked Arsenal, Ronaldo, Messi and more on our Champions League coverage.
How F1 history would have been different had double points always been awarded at the final GP.
Follow the latest from the written press with the best gossip and speculation from the papers.
team 1 | time | team 2 |
No scheduled matches |
Player details | |
Name | Rahul Dravid |
Dob | 11th January 1973 |
Club | Kolkata Knight Riders |
Batting Style | Right-hand |
Bowling Style | Off break |
Rahul Dravid has retired from first-class cricket. We look at his contributions to the game.
Following his decision to retire from all forms of the game, we look back at the career of Rahul Dravid.
Rahul Dravid has confirmed his retirement from international and first-class cricket after a distinguished career.
India batsman Rahul Dravid has spoken of his determination to cap a glittering career with a first Test series win in Australia.
Sachin Tendulkar was once again denied a 100th international century on day one of the second Test against West Indies.
Rahul Dravid is more concerned with helping India beat England for the first time this summer than his final ODI appearance.


text:
Quotes & Info
FSFG > SEC Filings for FSFG > Form 10-K on 4-Jan-2013 | All Recent SEC Filings |
Annual Report
Income. Our primary source of pre-tax income is net interest income. Net interest income is the difference between interest income, which is the income that we earn on our loans and investments, and interest expense, which is the interest that we pay on our deposits and borrowings. Other significant sources of pre-tax income are service charges (mostly from service charges on deposit accounts and loan servicing fees), increases in the cash surrender value of life insurance, fees from sale of mortgage loans originated for sale in the secondary market, commissions on sales of securities and insurance products, and net realized and unrealized gains on trading account securities. We also recognize income from the sale of investment securities.
Allowance for Loan Losses. The allowance for loan losses is a valuation allowance for probable losses inherent in the loan portfolio. We evaluate the need to establish allowances against losses on loans on a quarterly basis. When additional allowances are necessary, a provision for loan losses is charged to earnings.
Expenses. The noninterest expenses we incur in operating our business consist of salaries and employee benefits expenses, occupancy expenses, data processing expenses, professional service fees, federal deposit insurance premiums, advertising, net losses on foreclosed real estate and other miscellaneous expenses. Our noninterest expenses increased for the year ended September 30, 2012 when compared to 2011 primarily as a result of nonrecurring expenses in 2012 relating to the acquisition and integration of the First Federal branches and advertising costs associated with the rebranding of the Company with a new 'look' and logo during 2012. These 2012 additional expenses consisted primarily of professional fees, data processing expense and advertising expense.
Salaries and employee benefits consist primarily of: salaries and wages paid to our employees; payroll taxes; and expenses for health insurance, retirement plans and other employee benefits. We also recognize annual employee compensation expenses related to the equity incentive plan as the equity incentive awards vest. See Note 17 of the Notes to Consolidated Financial Statements beginning on page F-1 of this annual report for additional information regarding the stock based compensation plans.
Occupancy expenses, which are the fixed and variable costs of buildings and equipment, consist primarily of depreciation charges, furniture and equipment expenses, maintenance, real estate taxes and costs of utilities. Depreciation of premises and equipment is computed using the straight-line method based on the useful lives of the related assets, which range from three to 50 years.
Data processing expenses are the fees we pay to third parties for processing customer information, deposits and loans. Our data processing expenses increased in the year ended September 30, 2012 when compared to 2011 primarily as a result of nonrecurring expenses in 2012 relating to the integration of the First Federal branches with the Bank's core operating system. These nonrecurring charges associated with the integration of the First Federal branches with the Bank's core operating system amounted to $327,000 during 2012.
Professional fees expense represents the fees we pay to third parties for legal, accounting, investment advisory and other consulting services. Our professional fees expense increased in the year ended September 30, 2012 when compared to 2011 primarily as a result of nonrecurring expenses in 2012 relating to the acquisition and integration of the First Federal branches and investment management fees for the managed trading account. The 2012 nonrecurring charges associated with the acquisition and integration of the First Federal branches amounted to $194,000.
Federal deposit insurance premiums are payments we make to the Federal Deposit Insurance Corporation for insurance of our deposit accounts.
Other expenses include expenses for office supplies, postage, telephone, insurance, regulatory assessments and other miscellaneous operating expenses.
Critical Accounting Policies
The accounting and reporting policies of the Company comply with accounting principles generally accepted in the United States of America and conform to general practices within the banking industry. The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions. The financial position and results of operations can be affected by these estimates and assumptions, which are integral to understanding reported results. Critical accounting policies are those policies that require management to make assumptions about matters that are highly uncertain at the time an accounting estimate is made; and different estimates that the Company reasonably could have used in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, would have a material impact on the Company's financial condition, changes in financial condition or results of operations. Most accounting policies are not considered by management to be critical accounting policies. Several factors are considered in determining whether or not a policy is critical in the preparation of financial statements. These factors include, among other things, whether the estimates are significant to the financial statements, the nature of the estimates, the ability to readily validate the estimates with other information including third parties or available prices, and sensitivity of the estimates to changes in economic conditions and whether alternative accounting methods may be utilized under generally accepted accounting principles. Significant accounting policies, including the impact of recent accounting pronouncements, are discussed in Note 1 of the Notes to Consolidated Financial Statements. The policies considered to be the critical accounting policies are described below.
Allowance for Loan Losses. The allowance for loan losses is the amount estimated by management as necessary to cover losses inherent in the loan portfolio at the balance sheet date. The allowance is established through the provision for loan losses, which is charged to income. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Among the material estimates required to establish the allowance are: loss exposure at default; the amount and timing of future cash flows on impacted loans; value of collateral; and determination of loss factors to be applied to the various elements of the portfolio. All of these estimates are susceptible to significant change. Management reviews the level of the allowance at least quarterly and establishes the provision for loan losses based upon an evaluation of the portfolio, past loss experience, current economic conditions and other factors related to the collectability of the loan portfolio. Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic or other conditions differ substantially from the assumptions used in making the evaluation. In addition, the Office of the Comptroller of the Currency, as an integral part of its examination process, periodically reviews our allowance for loan losses and may require us to recognize adjustments to the allowance based on its judgments about information available to it at the time of its examination. A large loss could deplete the allowance and require increased provisions to replenish the allowance, which would adversely affect earnings. Note 1 of the Notes to Consolidated Financial Statements beginning on page F-1 of this annual report describes the methodology used to determine the allowance for loan losses. The Company has not made any substantive changes to its methodology for determining the allowance for loan losses during the fiscal year ended September 30, 2012, and there have been no material changes in the assumptions or estimation techniques compared to prior years.
Other-Than-Temporary Impairment of Securities. The Company reviews all investment securities with significant declines in fair value for potential other-than-temporary impairment ("OTTI") on a periodic basis. In evaluating the investment portfolio for OTTI, management considers the issuer's credit rating, credit outlook, payment status and financial condition, the length of time the investment has been in a loss position, the size of the loss position and other meaningful information. Generally changes in market interest rates that result in a decline in value of an investment security are considered to be temporary, since the value of such investment can recover in the foreseeable future as market interest rates return to their original levels. However, such declines in value that are due to the underlying credit quality of the issuer or other adverse conditions that cannot be expected to improve in the foreseeable future, may be considered to be other-than-temporary. The Company recognizes credit-related OTTI on debt securities in earnings, while noncredit-related OTTI on debt securities not expected to be sold is recognized in accumulated other comprehensive income. Management believes this is a critical accounting policy because this evaluation of the underlying credit or analysis of other conditions contributing to the decline in value involves a high degree of complexity and requires us to make subjective judgments that often require assumptions or estimates about various matters. No other-than-temporary write-down charges to earnings were recognized during 2012 or 2011. See Note 4 of the Notes to Consolidated Financial Statements beginning on page F-1 of this annual report for additional information regarding OTTI.
Valuation Methodologies. In the ordinary course of business, management applies various valuation methodologies to assets and liabilities that often involve a significant degree of judgment, particularly when active markets do not exist for the items being valued. Generally, in evaluating various assets for potential impairment, management compares the fair value to the carrying value. Quoted market prices are referred to when estimating fair values for certain assets, such as investment securities. However, for those items for which market-based prices do not exist, management utilizes significant estimates and assumptions to value such items. Examples of these items include goodwill and other intangible assets, foreclosed and other repossessed assets, estimated present value of impaired loans, value ascribed to stock-based compensation and certain other financial investments. The use of different assumptions could produce significantly different results, which could have material positive or negative effects on the Company's results of operations.
Operating Strategy
Our mission is to operate and grow a profitable community-oriented financial institution. We plan to achieve this by executing our strategy of:
Ę continuing our historical focus on residential mortgage lending but de-emphasizing residential mortgage lending secured by non-owner occupied properties;
Ę pursuing opportunities to increase commercial real estate lending and commercial business lending;
Ę improving customer service and product offerings by leveraging the Bank's investment in new technology including the core operating system;
Ę providing exceptional customer service to attract and retain customers;
Ę promoting our presence, brand image and product offerings in our primarily market area using our newly designed logo and marketing promotions that were launched in September 2011;
Ę continuing to monitor asset quality and credit risk in the loan and investment portfolios;
Ę recognizing improvements in noninterest income with respect to service charges on deposits as a result of restructuring deposit account types and fees, commission income related to non-deposit investment products and gains on sales of mortgage loans sold in the secondary market;
Ę expanding our market share and market area by opening new branch offices and pursuing opportunities to acquire other financial institutions or branches; and
Ę increasing shareholder value through stock repurchase programs and potential future dividend plans.
Continuing our historical focus on residential mortgage lending but de-emphasizing residential mortgage lending secured by non-owner occupied properties.
Our predominant lending activity has been residential mortgage lending in our primary market area. A significant portion of the residential mortgage loans that we had originated before 2005 are secured by non-owner occupied properties. Loans secured by non-owner occupied properties generally carry a greater risk of loss than loans secured by owner-occupied properties, and our non-performing loan balances have increased in recent periods primarily because of delinquencies in our non-owner occupied residential loan portfolio. Since 2005, when we hired a new President and Chief Executive Officer, we have de-emphasized non-owner occupied residential mortgage lending and have focused, and intend to continue to focus, our residential mortgage lending primarily on originating residential mortgage loans secured by owner-occupied properties. At September 30, 2012, 47.7% of our total loans were residential mortgage loans and 20.4% of our residential mortgage loans were secured by non-owner occupied properties. We intend to expand our emphasis on residential mortgage lending because this type of lending generally carries lower credit risk and has contributed to our historically favorable asset quality.
Pursuing opportunities to increase commercial real estate lending and commercial business lending.
In recent periods, we have begun to focus on commercial real estate and commercial business lending and intend to continue this focus. Commercial real estate loans and commercial business loans give us the opportunity to earn more income because these loans have higher interest rates than residential mortgage loans in order to compensate for the increased credit risk. At September 30, 2012, commercial real estate loans and commercial business loans represented 22.6% and 9.0%, respectively, of our total loans. We intend to continue to pursue these lending opportunities in our primary market area. In addition, the Company's participation in the United States Department of the Treasury's Small Business Lending Fund program, as discussed further in Note 25 of the Notes to Consolidated Financial Statements beginning on page F-1 of this annual report, also provides an incentive and capital to increase commercial lending.
Continuing to integrate the Community First and First Federal offices, customers and product lines.
During 2010, we began to integrate the Community First offices and customers by integrating the core operating systems of the Bank and Community First onto a single core operating system, which was successfully completed in August 2010. This single system permits Bank customers to utilize all office locations, permits Bank officers and staff to extract and monitor a standard set of information available from all office locations and allows the Bank to offer a uniform set of product offerings focus. In addition, during 2011 and 2012 we successfully rebranded all office locations, including those operating under the Community First name, with a new 'look' and logo for First Savings Bank in order to provide uniformity to our existing and prospective customer base. In 2012 we began to integrate the First Federal offices and customers into the existing First Savings franchise.
Providing exceptional customer service to attract and retain customers.
As a community-oriented financial institution, we emphasize providing exceptional customer service as a means to attract and retain customers. We deliver personalized service and respond with flexibility to customer needs. We believe that our community orientation is attractive to our customers and distinguishes us from the larger banks that operate in our primary market area.
Expanding our market share and market area.
The 2009 acquisition of Community First expanded our market area into Harrison, Crawford and Washington Counties, Indiana, while the 2012 acquisition of the First Federal branches enhanced our presence in Harrison and Floyd Counties, Indiana. As previously discussed, we successfully rebranded the twelve office locations during 2011 and 2012 with a new look and logo for First Savings Bank and have also expanded our marketing efforts as a result of such. In addition, we intend to continue to pursue opportunities to expand our market share and market area by seeking to open additional branch offices and pursuing opportunities to acquire other financial institutions or branches of other financial institutions in our primary market area and surrounding areas.
Issuance of Preferred Stock under the U.S. Department of the Treasury's Small Business Lending Fund
On August 11, 2011, First Savings Financial Group entered into and consummated a Securities Purchase Agreement (the "Purchase Agreement") with the Secretary of the Treasury, pursuant to which First Savings Financial Group issued 17,120 shares of Senior Non-Cumulative Perpetual Preferred Stock, Series A (the "Series A Preferred Stock"), having a liquidation amount per share equal to $1,000, for a total purchase price of $17.1 million. The Purchase Agreement was entered into, and the Series A Preferred Stock was issued, pursuant to the Small Business Lending Fund program, a $30 billion fund established under the Small Business Jobs Act of 2010, that encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion. See Note 25 of the Notes to Consolidated Financial Statements beginning of page F-1 of this annual report for additional information regarding the terms of the Series A Preferred Stock.
Balance Sheet Analysis
Cash and Cash Equivalents. At September 30, 2012 and 2011, cash and cash equivalents totaled $38.8 million and $27.2 million, respectively. The Bank is required to maintain reserve balances on hand and with the Federal Reserve Bank which are unavailable for investment but interest-bearing and the average amount of those reserve balances for the year ended September 30, 2012 was approximately $2.8 million.
Loans. Our primary lending activity is the origination of loans secured by real estate. We originate one-to four-family mortgage loans, multifamily loans, commercial real estate loans, commercial business loans and construction loans. To a lesser extent, we originate various consumer loans including home equity lines of credit.
Residential mortgage loans comprise the largest segment of our loan portfolio. At September 30, 2012, these loans totaled $191.0 million, or 47.7% of total loans, compared to $169.4 million, or 46.7% of total loans at September 30, 2011. Total residential mortgage loan balances increased in 2012 primarily due to the loans acquired in the First Federal branch acquisition. We generally originate loans for investment purposes, although, depending on the interest rate environment, we typically sell 25-year and 30-year fixed-rate residential mortgage loans that we originate into the secondary market in order to limit exposure to interest rate risk and to earn noninterest income. Management intends to continue offering short-term adjustable rate residential mortgage loans and sell long-term fixed rate mortgage loans in the secondary market with servicing released.
Commercial real estate loans totaled $90.3 million, or 22.6% of total loans at September 30, 2012, compared to $73.5 million, or 20.3% of total loans at September 30, 2011. The balance of commercial real estate loans has increased primarily due to greater opportunity to originate these loans during 2012 as a result of our increased commercial lending personnel. Management continues to focus on pursuing nonresidential loan opportunities in order to further diversify the loan portfolio.
Consumer loans totaled $30.6 million, or 7.7% of total loans, at September 30, 2012 compared to $29.6 million, or 8.1% of total loans, at September 30, 2011. Total consumer loan balances increased in 2012 primarily due to the loans acquired in the First Federal branch acquisition. However, in general, organic consumer loans including automobile loans, home equity lines of credit, unsecured loans and loans secured by deposits, have declined due to pay-downs, payoffs, charge-offs and management's decision to focus on other lending opportunities with less inherent credit risk. In the aggregate, home equity lines of credit increased $3.1 million, or 20.3%, while automobile loans decreased $1.6 million, or 16.4%, from September 30, 2011 to September 30, 2012. The Bank sold its $1.2 million credit card portfolio in May 2011, resulting in a net gain of $104,000 on the sale.
Commercial business loans totaled $36.2 million, or 9.0% of total loans, at September 30, 2012 compared to $40.6 million, or 11.2% of total loans, at September 30, 2011. The balance of commercial business loans has decreased primarily due to repayments, payoffs, charge-offs and increased competition in the marketplace. Management continues to focus on pursuing commercial business loan opportunities in order to further diversify the loan portfolio.
Multi-family real estate loans totaled $23.9 million, or 6.0% of total loans at September 30, 2012, compared to $24.9 million, or 6.9% of total loans at September 30, 2011. The balance of multi-family real estate loans decreased primarily due to repayments.
Residential construction loans totaled $10.7 million, or 2.7% of total loans, at September 30, 2012 of which $6.4 million were speculative construction loans. At September 30, 2011, residential construction loans totaled $8.0 million, or 2.2% of total loans, of which $6.3 million were speculative loans. The general slowdown in the housing market in our primary market area and, to a lesser extent, increased competition in the market for these loans has somewhat decreased the opportunity to originate these loans and significantly grow this segment of the portfolio. We intend to continue pursuing quality construction lending opportunities as the housing market continues to recover.
Commercial construction loans totaled $5.2 million, or 1.3% of total loans, at September 30, 2012 compared to $4.1 million, or 1.1% of total loans at September 30, 2011. The general slowdown of commercial construction in our primary market area and increased competition in the marketplace has decreased the opportunity to originate these loans and grow this segment of the portfolio.
Land and land development loans totaled $12.3 million, or 3.1% of total loans at September 30, 2012, compared to $12.9 million, or 3.6% of total loans at September 30, 2011. These loans are primarily secured by vacant lots to be improved for residential and nonresidential development and farmland. The general slowdown of residential and commercial construction in our primary market area and increased competition in the marketplace has decreased the opportunity to originate these loans and grow this segment of the portfolio.
The following table sets forth the composition of our loan portfolio at the dates indicated.
At September 30, 2012 2011 2010 2009 2008 (Dollars in thousands) Amount Percent Amount Percent Amount Percent Amount Percent Amount Percent Real estate mortgage: Residential $ 190,958 47.72 % $ 169,353 46.65 % $ 172,007 49.33 % $ 185,800 51.61 % $ 113,518 64.20 % Commercial 90,290 22.56 73,513 20.25 53,869 15.45 48,090 13.36 15,459 8.74 Multi-family 23,879 5.97 24,909 6.86 20,360 5.84 12,584 3.50 3,282 1.86 Residential construction 10,748 2.69 8,002 2.20 15,867 4.55 14,555 4.04 6,189 3.50 Commercial construction 5,182 1.29 4,144 1.14 9,851 2.83 7,648 2.12 1,991 1.13 Land and land development 12,320 3.08 12,947 3.57 9,076 2.60 11,189 3.11 4,748 2.69 Total 333,377 83.31 292,868 80.67 281,030 80.60 279,866 77.74 145,187 82.12 Commercial business 36,189 9.04 40,628 11.19 30,905 8.86 36,901 10.25 14,411 8.15 Consumer: Home equity lines of credit 18,294 4.57 15,210 4.19 16,335 4.68 17,365 4.82 9,970 5.64 Auto loans 8,219 2.05 9,827 2.71 13,405 3.84 18,279 5.08 1,950 1.10 Other 4,114 1.03 4,514 1.24 7,030 2.02 7,567 2.11 5,290 2.99 Total 30,627 7.65 29,551 8.14 36,770 10.54 43,211 12.01 17,210 9.73 Total loans 400,193 100.00 % 363,047 100.00 % 348,705 100.00 % 359,978 100.00 % 176,808 100.00 % Deferred loan origination fees and costs, net (382 ) (558 ) (778 ) (846 ) (795 ) Undisbursed portion of loans in process 6,602 4,501 2,057 3,306 1,067 Allowance for loan losses 4,906 4,672 3,811 3,695 1,729 Loans, net $ 389,067 $ 354,432 $ 343,615 $ 353,823 $ 174,807 |
Loan Maturity
The following table sets forth certain information at September 30, 2012 regarding the dollar amount of loan principal repayments becoming due during the period indicated. The table does not include any estimate of prepayments which significantly shorten the average life of all loans and may cause our actual repayment experience to differ from that shown below. Demand loans having no stated schedule of repayments and no stated maturity, are reported as due in one year or less.
At September 30, 2012 Residential Commercial Real Estate Real Estate Construction Commercial Total (Dollars in thousands) (1) (2) (3) Business Consumer Loans Amounts due in: One year or less $ 26,684 $ 41,989 $ 15,930 $ 19,889 $ 8,850 $ 113,342 More than one year to two years 16,048 18,388 - 4,612 5,711 44,759 More than two years to three years 12,210 11,987 - 3,209 4,001 31,407 More than three years to five years 22,375 13,099 - 4,086 4,997 44,557 More than five years to ten years 43,730 12,670 - 2,888 5,462 64,750 More than ten years to fifteen years 30,835 2,388 - 831 1,604 35,658 More than fifteen years 62,955 2,089 - 674 2 65,720 Total $ 214,837 $ 102,610 $ 15,930 $ 36,189 $ 30,627 $ 400,193 . . . |


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text: On Sunday 24 July 2005 05:17 pm, Briana Benn wrote: > We did, actually, but both areas are just large open rooms. You guys > seemed to have managed it with the use of curtains, I heard, but we > hadn't thought of that. We figured it would be too much trouble to > create walls that would be an additional expense, so we looked into the > CCC. > This year, we were forced to build a wall to contain our Dealers Room in a very "exhibit hall" space. We built a wall using styrofoam (like 6 in thick) and plywood, with some duct tape for good measure. It was not an "ideal" solution, but it got the job done. After the con was over, we "tested" the wall during tear-down and I've gotta say, it was pretty darn sturdy. (felt like I broke a toe when I kicked it wrong (and it barely moved, and that was just one unconnected section, we also took a sword (I think) and a wooden sledge hammer to it). Short of someone taking a 20+ yd dash and flying leap at the thing (and maybe even something like that depending on the weight of the runner) it took everything we threw at it. For added caution, we stationed security on the opposite side whenever necessary (sometimes the entire exhibit hall was locked), but all things considered that wall held up very well. And the whole thing was built for something on the range of $1000 (IIRC, give or take, definitely no more than $2k, but I think it was more like 1) and that thing spanned well over 60 ft in length. Anyway, point being there are ways to work that if necessary. I offer this more as a suggestion if anyone else wants to try it one day more than anything else. Regarding Connecticon, I want to say I admire the loyalty you inspired in the webcomic community and it sounds like you ran a great con. That said, I DO have 1 question. You said in your last email that overage charges went around $27,000 and the debt statements say you were $34,000 in the red. I'm not trying to criticize (seeing as I have NO idea what went into the planning and execution) but it sounds like you were going to hit at LEAST something on the order of $7,000 debt even without the CC screwing, and while that is a much more manageable number, that sort of thing DOES make me think you might want to more closely examine your budget. Best of luck with the funding drive, did you try disputing the added fees? (I assume yes, but *shrug*) because it seems like at least some of those were fees where you did not receive the services you paid for. (I mean, if the "nurse" can't even handle a simple cut, what ARE you paying him/her for?) Greg Simoes Ushicon GO! http://www.ushicon.com


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I'm with you Gush, but then over time I thought about..
August 18 2012 at 4:37 PM
Josef Falter
from IP address 220.127.116.11
Response to
Ok, so lemme say it… I don't like the Bronzo >>>>>
the old diver helmets (Altamarea logo e.g.)
Jules Verne novels
old sailing ships with bronze equipment
old diver equipment with bronze
and this look fits for me to the vintage PANERAIs, because for me
it was one reason I fell in love with the vintage PANERAIs and actual models which are near that look.
All those designs remind me of all those things mentioned above.
But the look of the Bronzo is only perfect for me when it is well worn and looks like an old instrument on a ship.
It would be perfect for me without date and a handwound movement instead of the automatic one.
best, Josef
P.S. very good discussion =).
Respond to this message


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- April 15, 2010
- 2:45 p.m.
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someone9 writes:
This is just disgusting. These men can sexually assault teens and get seven to eight years. I guess I should be thankful they even received a real sentence. When my daughter was sexually assaulted at age 16 by a man more than ten years her senior he only received deferred adjudication. It seems that our DA's office doesn't think much of our teen girls.
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a place for zinesters - writers and readers
Hi y'all. I am very new to the zine scene. About 2 years ago I picked up a bunch of zines off the free table at the DC Zinefest. I got a couple of issues of Xerography Debt. I looked up all I can,…Continue
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We are now gearing up for the 2nd annual Battle for Bella Benefit and fishing tournament scheduled for Nov 13th 2010. Location is at Gators on the pass in Treasure Island Florida. Brought to you by Florida Inshore Angler and Florida Parrot Rescue.
Bella is just turning 4 and fighting Neuroblastoma cancer. She's gone through the first round of treatment, an experimental drug that caused her to have a bad reaction but did help with the cancer. She is now moving into a new treatment stage and the medical costs are putting the family deeply in debt. Each injection of this experimental drug comes at a hefty cost of $19,000! Yes you read that right! To make matters worse, the treatments are NOT covered by insurance so the bill falls on the family.
I know times are tough right now for many in this economy, but let's do what we can to help Bella see five~
Last years event raised closed to 7k, but we'd like to see that number much higher this year. Please spread the word to everyone you know, and even to those you don't. Please follow the banner link on the main page of Florida Inshore Angler.com to read more on Bella's story.
Sincerely, FIA


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Welcome to North Hampshire Sports Massage
What is Sports Massage?
Sports massage is generally using a firmer technique than a therapeutic massage, it is the management, manipulation and rehabilitation of soft tissues of the body which includes muscles, ligaments and tendons. How deep the massage is applied depends on the reason for the sports massage & the desires of the recipient.
To benefit from a sports massage you do not need to be a sports performer. The benefits can also help relieve many day to day problems that everyone experiences.
Different techniques are applied depending on the treatment required, these include;
- Neuromuscular Techniques (NMT)
- Soft Tissue Release (STR)
- Connective Tissue Massage (CTM)
- Lymph Drainage
- Active Isolated Stretching (AIS)
The combination of this with additional remedial exercises can improve training quality and overall sporting performance. As well as injury prevention it can also help in injury rehabilitation and is very beneficial in pre-event, during event, and post-event situations


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In today's rapidly changing business environment, professional service firms are challenged by more demands than ever before. In addition to being a firm that can provide a full range of audit, review, and compilation services for financial statements, a strong tax and business accounting firm relieves much of the pressure and allows our professionals to work as a team to help our clients achieve their business goals.
UHY LLP has spent decades auditing and providing other professional service firms, including law firms, architectural, engineering, advertising and software development firms from around the world successfully overcome the financial challenges they face. We assist our clients with the financial and business decisions of today and aid them in anticipating any obstacles they may encounter well into the future.
At UHY LLP, we use a team approach to ensure our clients receive personal attention combined with the resources of an international network of financial expertise. Our passion for personal service and our knowledge of professional service firms distinguishes us among other service providers. We believe we can help our clients run their firms in the most efficient, cost-effective manner. Our goal is to offer a comprehensive range of services carried out by a team of committed professionals with years of experience. Some of our services include:
Tax and Accounting Services
Consulting Services
Wealth Management Services


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Front Page Intro Title
Welcome to the new SUP Event Webpage!--Your information source for everything from rental locations to directions for WPA events to SUP updates. Download our user-friendly smart phone app and stay connected to the world of stand-up paddling.
Upload your own photos,videos, rental locations and SUP destinations. Watch for our new SUP Star Interviews section coming soon!
With SUPEvent.com and our smart phone apps, SUP info is always at your fingertips!
- by Westy & Rowdy- 1st place finishers 12'6 & 14' at the GUSU races.
Use the free SUP event iPhone app to share live photos of faces, places and events in SUP! Every day, we feature the best pics right here.
PREV RANDOM NEXTThis week at Yolo Board Adventures
Send Us Your Events |


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"We cannot become what we need to be, remaining what we are." - Max Depree How does one become a better person? I remember when I was studying in university, I didn't like myself very much. I was rude, selfish, emotionally stingy, self-centered, judgmental, highly critical, very obnoxious, and arrogant. When I think back about it, a lot of that came from insecurity with myself –…
Posted Jul 27 by Celes | 23 Comments
Filed: Character Building, Cultivate Habits, Motivation & Inspiration
Tags: 101 series, 30BBM, be a better person


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from The American Heritage® Dictionary of the English Language, 4th Edition
- n. A constellation in the Northern Hemisphere near Aquila and Vulpecula.
from Wiktionary, Creative Commons Attribution/Share-Alike License
- proper n. A small autumn constellation of the northern sky, said to resemble an arrow. It lies between the constellations of Vulpecula and Aquila.
from the GNU version of the Collaborative International Dictionary of English
- n. A small constellation north of Aquila; the Arrow.
- n. The keystone of an arch.
- n. The distance from a point in a curve to the chord; also, the versed sine of an arc; -- so called from its resemblance to an arrow resting on the bow and string.
- n. The larger of the two otoliths, or ear bones, found in most fishes.
- n. A genus of transparent, free-swimming marine worms having lateral and caudal fins, and capable of swimming rapidly. It is the type of the class Chætognatha.
from The Century Dictionary and Cyclopedia
- n. [capitalized] An insignificant but very ancient northern constellation, the Arrow, placed between Aquila and the bill of the Swan.
- n. In anatomy, the sagittal suture.
- n. In ichthyology, one of the otoliths of a fish's ear.
- n. [capitalized] The typical genus of Sagittidæ, formerly containing all the species, now restricted to those with two pairs of lateral fins besides the caudal fin. Also Saggitta, Saggita, Sagita. See accompanying cut.
- n. An arrow-worm or sea-arrow; a member of the Sagittidæ.
- n. The keystone of an arch.
- n. In geometry: The versed sine of an arc: so called by Kepler because it makes a figure like an arrow upon a bow.
- n. The abscissa of a curve.
from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.
- n. a small constellation in the northern hemisphere between Cygnus and Aquila and crossed by the Milky Way
- n. any arrowworm of the genus Sagitta
Latin, sagitta, arrow.
(American Heritage® Dictionary of the English Language, Fourth Edition)From Latin sagitta ("arrow"). (Wiktionary)


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for Employment Opportunities
More News
Sheriff's office asks for help in shootingMore than a month after a 28-year-year old man was shot and killed, the Hidalgo County Sheriff's Office...10 December 2013Read More...
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Local Weather
Current Conditions:
Partly Cloudy, 72 F
Fri - Partly Cloudy. High: 71 Low: 60
Sat - Partly Cloudy. High: 73 Low: 43
Sun - Mostly Sunny. High: 62 Low: 40
Mon - Sunny. High: 67 Low: 46
Tue - Mostly Sunny. High: 72 Low: 53
Full Forecast at Yahoo! Weather
(provided by The Weather Channel)
The Planning and Zoning Department will hold a public hearing on July 21, 2011 at 6:00 p.m. at the Alton City Hall's Chambers, 509 South Alton Blvd, Alton, Texas in order to consider the following:
Conditional Use for Auto Repair Shop located at Nuevo Alton Subdivision Lot Forty-Six (46), Block 2. Anyone interested is invited to attend and voice their concerns.
For questions please call Steve Peña, Assistant City Manager at (956) 432-0760.
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Advertising Information
The Progress Times is the hometown newspaper for the local communities of Mission, Sharyland, Alton, Palmview, La Joya and surrounding areas in Western Hidalgo County. We have a staff of veteran reporters who work diligently every week to bring our readers the latest news as it affects their hometown area and people.


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Online entry for the Gravy 6 on Sunday 22 July 2011 is now open. Online entires are being taken on www.race-results.co.uk and close on Friday 13th July or earlier if the race limit of 200 is met prior to 13th July. Entry on the day wil be possible if the race limit is not met. Early entry in advisable looking at the demand for numbers at last years event.
Prize structure for the race is very strong with the first three male and female athletes home winning cash prizes and vouchers for winners of vets age groups. Vets age group prizes will be done in 5 year intervals. Ie, V40, V45, V50 etc.
Teams are free and must consist of three athletes registered with the same athletics club.
Race Results


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The tragic future of Obamacare
Reading this in London's Daily Telegraph is all the more frightening when comparing the relative health of the British and American economies when the National health programs began.
The Government has promised to protect the overall budget of the NHS, which will continue to receive above-inflation increases, but said the service must make "efficiency savings" of up to £20 billion by 2014, which would be diverted back to the front line.
Mr Lansley said last month: "This protection for the NHS is protection for patients – to ensure that the sick do not pay for the debt crisis."
Dr Carter said: "Andrew Lansley keeps saying that the Government will protect the front line from cuts – but the reality appears to be quite the opposite. We are seeing trusts making job cuts even when they have already admitted to being short staffed.
''The statements he makes may be well intentioned – but we would implore him to get a grip on the reality, because these kinds of cuts are incredibly worrying."
Katherine Murphy, of the Patients Association, said the cuts were "astonishingly brutal" and expressed particular concern at moves to ration operations such as hip and knee operations.
"These are not unusual procedures, this is a really blatant attempt to save money by leaving people in pain," she said.
"Looking at these kinds of cuts, which trusts have drawn up in such secrecy, it particularly worries me how far they disadvantage the elderly and the vulnerable.
''We cannot return to the days of people waiting in pain for years for a hip operation or having to pay for operations privately."
She added that it was "incredibly cruel" to draw up savings plans based on denying care to the dying.
We are in DEEP do-do.


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- Home
- The Scoop
- Strength Scoop
- High School Scoop
- DFO Scoop
Coaching Awards
- 2013 Coaches of the Year
- 2012 Coaches of the Year
2011 Coaches of the Year
- 2011 Offensive Coordinator
- 2011 Defensive Coordinator
- 2011 Special Teams
- 2011 Quarterbacks Coach
- 2011 Wide Receivers Coach
- 2011 Offensive Line Coach
- 2011 Running Backs Coach
- 2011 Defensive Backs Coach
- 2011 Linebackers Coach
- 2011 Defensive Line Coach
- 2011 Dir Football Operations
- 2011 Strength & Conditioning Coach
- 2011 FCS Coordinator of the Year
- 2011 Division II Coordinator of the Year
- 2011 Division III Coordinator of the Year
2010 Coaches of the Year
- 2010 Offensive Coordinator
- 2010 Defensive Coordinator
- 2010 Special Teams Coordinator
- 2010 Quarterbacks Coach
- 2010 Running Backs Coach
- 2010 Wide Receivers Coach
- 2010 Offensive Line Coach
- 2010 Defensive Line Coach
- 2010 Linebackers Coach
- 2010 Defensive Backs Coach
- 2010 Dir of Football Operations
- 2010 Strength & Conditioning Coach
- 2010 Div. 1-AA Coordinator
- 2010 Div. II Coordinator
- 2010 Div. III Coordinator
Three more coaches headed to the College Football Hall of Fame
The National Football Foundation announced the 2013 class of the Divisional College Football Hall of Fame on Thursday afternoon. The NFF announced Wayne Hardin and Bill McCartney as the coaching inductees for the 2013 FBS class earlier this month, and that duo will be joined by coaches Frank Cignetti, James "Boots" Donnelly and Jess Dow in the divisional wing.
Cignetti is easily the best coach in the history of Indiana University of Pennsylvania history with a 182-50-1 record from 1986-2005. He led the Hawks to 13 Division II playoffs appearances and two national runner-up finishes and six trips to the national semifinals. IUP also claimed at least a share of 14 Pennsylvania State Athletic Conference Western Division titles in his 20 seasons, as well as 10 Lambert Cup crowns as the top Division II program in the Eastern United States. He coached 124 All-PSAC honorees and led the Hawks to the Division II top 20 rankings in all but one season during his two-decade run. Cignetti also earned 17 wins in four seasons as the head coach at West Virginia from 1976-79.
Donnelly holds the distinction of resurrecting two programs inside his home state of Tennessee. First, he lead Austin Peay State to its first-ever conference title in his debut campaign. Two seasons later he landed at Middle Tennessee State, where he guided the Blue Raiders to nine top 20 finishes and seven Division I-AA playoffs appearances in 20 seasons in Murfreesboro. The only coach in Ohio Valley Conference history to win a conference title at two separate schools, he led MTSU to five league titles and helped the Blue Raiders achieve a 31-game home winning streak from 1987-93. He holds a career record of 154-94-1.
Finally, Dow rounds out the class with a 108-40-6 record at Southern Connecticut State from 1948-65. The school's all-time winningest coach nearly half a century after his retirement, to say Dow is Southern Connecticut athletics would be putting it lightly; the man literally founded the school's athletic department. Dow totaled 16 winning seasons, half of which were years of one or zero losses, included a 9-0-0 mark in 1956. He led the team to an appearance in the NAIA semifinals in 1959. He passed away in 2003 at the age of 88.


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Department History |
A Brief History of the Napa Police Department (By Todd L. Shulman, Founder, Napa Police Historical Society)
When Napa
was incorporated in 1872, there were only ten miles of city streets within its
boundaries. These ten miles (since swollen to 165 miles) became the birthplace
of the Napa Police Department. The original Napa Police Department was founded in 1875. It consisted of the city's first Chief of Police, Jerome B. Walden; Marshal Thomas Earl; patrolmen E.S. Gridley, William Border, Charles M. Laughlin, and night watchmen Martin Guhn and George Hart. The Chief earned the princely sum of $100 a month. Marshal Earl received $500 per year and the patrolmen and night watchmen were each paid $75 a month. The night watchman's main duties were preventing burglaries and sounding the alarm if a fire was observed. On June 20, 1876 the entire Police Department was disbanded, but was re-established on July 1 that same year, minus a full-time Chief of Police. When it was re-established the town marshal was named Chief of Police by the town trustees; this practice continued until 1909. There were nine men who served the dual job of Marshal/Chief of Police. The Napa Police Department was awarded its corporate seal in 1877. The last Marshal was N.E. Boyd, whose term began in 1907. When the job of Marshal was abolished in 1909 Boyd became the first full-time Chief of Police since 1876. Chief Boyd resigned in 1919. The police officers in 1908 were ordered to wear the following style uniform: slouch hat with braid around band; double-breasted coat of blue material, with double row of brass buttons down front; trousers of same material as coat. The officers were also required to wear their stars on the left breast of their outer garment. At the time of Boyd's resignation, the offices of Police Chief and Fire Chief were combined as an economy measure after a contentious argument between members of the City Trustees. C.F. Otterson, the Fire Chief, filled both offices and was paid $200 a month for his dual role ($160 for Fire Chief and $40 for Police Chief). Chief Otterson was required to provide and maintain at his own expense an automobile for use by both departments. Chief Otterson served as Police Chief until 1922. Chief Alexander Herritt was appointed in 1922, serving during the great depression and prohibition eras. He served as Chief until January 1933, when he suffered a massive heart attack while on duty and died. He was able to turn the ignition off on the vehicle he was driving and safely steer to the curb before succumbing. Chief Herritt was succeeded by Eugene Riordan, who led the Department through the tumultuous WWII era, retiring in 1952. During the war several retired Officers were brought back to beef up the force due to a shortage in manpower. Officers patrolled the downtown jointly with Navy Shore Patrol Officers due to the influx of service men that would flock to the bars on Main Street from the nearby Naval Bases. James C. Neal has the distinction of being the person to hold the job of Chief of Police for the shortest period of time; Neal, an FBI Agent, served as Chief for one year (in 1952). During this time the Department moved from its longtime building on Brown Street (across from the historic courthouse) to 1091 Fifth Street, the current site of the Greenhaus Day Spa. Chief Neal went on to become top cop for the Modesto Police Department. Longtime Officer Sherwood Munk was appointed Chief in 1953. He oversaw the Department as it moved into its current building at 1539 First Street; the building has been remodeled and expanded twice since it was first built in 1957. The junior traffic patrol, a program which used student volunteers as crossing guards at area elementary schools, was created during Chief Munk's tenure. In 1961 the Department began running a fully-staffed radio dispatch operation; prior to this time Police Officers were required to man the phones and act as Dispatchers after the Police Clerks went home at 5 p.m. Chief Munk was replaced by Kenneth Jennings in 1967. Chief Jennings oversaw the Department as it obtained improved equipment such as two-way handheld radios and bulletproof vests. In 1970 the "Positive Image" program first put Police Officers in area schools to interact with children by making presentations about what law enforcement was like. The Department's first SWAT team was established in 1978. In 1987 Chief Daniel Monez was appointed Chief; he led the force until 2004. Important programs such as DARE and the Youth Diversion Program were created during this time. Officers began to employ problem-orientated policing (POP) strategies in order to address specific crime trends and address citizen concerns. To honor the Department's 125th anniversary a commemorative badge was issued in 2000; this 6-point silver badge later formally replaced the standard 7-point gold badge which Officers had worn since the 1940s. Our current Chief, Richard Melton, started in 2004. He had previously served as Chief in the New Mexico cities of Farmington and Los Alamos. In recent years the Department has transitioned to a paperless report writing system, incorporated mobile data computers and GPS tracking into its patrol cars, and began using digital photography and videography into its forensic processing. |


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[Coco] Audio recording on CoCo
John Kent
jekent at optusnet.com.au
Mon Nov 21 00:21:57 EST 2011
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I use audio grabber and record via the sound card line in socket from
line out from the turntable amplifier
I bought a cheap USB turntable and that came with some open source
software for recording but the USB audio codec in the turntable had no
gain control under windows XP and the sound level was too high and
overloaded and was distorted. Of course they don't tell you that in the
shop. It's not until you get it home, open it up and try it out that you
find out these things. It had the cartridge pre-amp built into the
turntable so you could record it directly from the turn table without
putting it through an amplifier.
As it turned out the turntable also had RCA plugs for analog recording
so I used an adapter to 3.5mm phone jack for the sound card line in. I
can't remember what the open source software was, but it is available
for Linux as well as windows. You can get MP3 compressor add-ons for
audio grabber. One is "lame" (not a good name). There should be more
details on the web site.
Real Player had line input recording on the paid up version some time back.
I assume you don't want to record it on the CoCo. You could with an 8
bit ADC but it would be pretty awful audio quality.
Audio grabber can also detect the gap between tracks, assuming they
don't run together. You can set up the sensitivity to the gap silence.
You can name the tacks before they are recorded. The open source
software provided with the turntable I think recorded the entire side of
an LP as one track, which is not so good.
On 21/11/2011 2:57 PM, Brian G wrote:
I would like some advice on how to transfer LP music to CD.
What equipment, software is needed? I have a turntable that I have not
used in years, so starting from that, what do I need?
Second question. Is it _possible_ to save music files on the CoCo and
play them back and sound decent?
I would like to work on some software/hardware project on the Coco and
have the music play.
Any ideas?
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The library of The Southern Suburbs Branch of GSQ is open every 1st, 2nd, & 3rd Wednesday (Except Public Holidays & during the Christmas Break).
Books and microfiche may be borrowed but CD-ROMs can only be accessed at the library. A small fee is charged for borrowing. Items may be borrowed for up to one month.
There is a charge of $ 5.00 for the use of our facilities by non-members, but they may not borrow, only use in the library.
A catalogue of our holdings has been produced and this may be purchased from us for $4.00.


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This job listing has expired!
United Arab Emirates
Sector: Softs / Agriculture
Role: Broking/Trading
Type: Permanent Employee
Ref: OCT sugar
Senior Sugar Trader, Dubai, UAE
Salary: VERY Competitive
A top commodities trading group have set up their sugar trading desk in their Dubai office. They require an experienced white sugar candidate with proven commercial success in physical sales with clients in Africa, south east asia and the Middle East.
Job Description
The successful candidate will have the following key responsibilities
Physical sales and trading of sugar to achieve a high level of revenue production for the group
Servicing clients across a range of markets with a focus on Africa, the Middle East and South East Asia
Origination and structuring of commercial agreements with trading counterparties and customers
Work closely with trading and business development teams to grow the companies offering within the sugar market
The successful candidate will have the following key Skills / Attributes
Proven commercial success in the physical sugar market
Strong sales and origination skills and experience
Be entrepreneurial, dynamic and looking for chance to progress to lead a trading business
Have experience managing client relationships ideally across a number of different geographies.
Willing to be based in Dubai
This is a great opportunity for an experienced sugar candidate to join an established but expanding agricultural commodity house. The group has ambitious plans for the sugar business and depending on level of experience a successful candidate for the role will progress tp have a senior role within the company and market place.
For more information or to express interest, please send you CV in Word


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Heart of Atlanta Motel Inc. v. United States, 379 U.S. 241 (1964), was a landmark United States Supreme Court case holding that the U.S. Congress could use the Constitution's Commerce Clause power to force private businesses to abide by the Civil Rights Act of 1964.
This important case represented an immediate challenge to the Civil Rights Act of 1964, the landmark piece of civil rights legislation which represented the first comprehensive act by Congress on civil rights and race relations since the Civil Rights Act of 1875. For much of the 100 years preceding 1964, race relations in the United States had been dominated by segregation, a system of racial separation which, while in name providing for "separate but equal" treatment of both white and black Americans, in truth perpetuated inferior accommodation, services, and treatment for black Americans.
Announced on December 14, 1964, the opinion of the court was delivered by Justice Tom C. Clark, with concurring opinions by Justice Arthur Goldberg, Justice Hugo Black, and Justice William O. Douglas.
The Court held that Congress acted well within its jurisdiction of the Interstate Commerce clause in passing the Civil Rights Act of 1964, thereby upholding the act's Title II in question. While it might have been possible for Congress to pursue other methods for abolishing racial discrimination, the way in which Congress did so, according to the Court, was perfectly valid. It found no merit in the arguments pursuant to the Thirteenth Amendment, finding it hard to conceive that such an Amendment might possibly be applicable in restraining civil rights legislation. Having observed that 75% of the Heart of Atlanta Motel's clientele came from out-of-state, and that it was strategically located near Interstates 75 and 85 as well as two major U.S. Highways, the Court found that the business clearly affected interstate commerce. As such, it therefore upheld the permanent injunction issued by the District Court, and required the Heart of Atlanta Motel to receive business from clientele of all races.
For more: http://en.wikipedia.org/wiki/Heart_of_Atlanta_Motel_v._United_States


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Bud Adams | 1923-2013: Longtime owner was AFL pioneer
NFL Headlines
- Daily line
- Around the NFL: Browns waive Hanie, sign back
- Around the NFL: Patriots put Gronkowski on IR
- Browns: Chudzinski refuses to blame officials
- NFL: Top performers
- Around the NFL: Ravens top Vikings after blizzard of touchdowns in last two minutes
- Bengals notebook: Ground game develops
- Bengals 42, Colts 28: Dalton delivers another win
- Browns schedule
- Browns-Patriots box score
NFL Headlines from AP
Bud Adams
NASHVILLE, Tenn. — Tennessee Titans owner Bud Adams, who helped found the American Football League and whose battles for players helped lead to the merger with the NFL, died at age 90.
The team announced yesterday that Adams "passed away peacefully from natural causes."
Kenneth Stanley Adams Jr. was born on Jan. 3, 1923, in Bartlesville, Okla., the son of a prominent oil executive. He built his own energy fortune and founded the Houston Oilers, which he moved to Tennessee in 1997 when he couldn't get the new stadium he wanted in Houston.
The franchise, renamed the Titans, reached its only Super Bowl after the 1999 season, a goal that Adams had spent more than three decades pursuing. The St. Louis Rams won 23-16 when Titans receiver Kevin Dyson was tackled at the Rams 1-yard line as time expired.
Adams' 409 wins were the most of any current NFL owner. His franchise made 21 playoff appearances in 53 seasons, eighth among NFL teams since 1960.
The Oilers, who won the first two AFL titles, became the first indoor football team when they moved into the 3-year-old Astrodome in 1968.
Adams joined Dallas oilman Lamar Hunt at a news conference on Aug. 3, 1959, to announce the AFL would begin competing with the NFL. Adams founded one of the new league's charter franchises.
"I consider Bud one of the founders of the game of professional football because of his role in helping to create the American Football League," Dallas Cowboys owner Jerry Jones said.
His wife, Nancy, died in 2009. He is survived by daughters Susie Smith and Amy Strunk, and seven grandchildren. Son Kenneth Stanley Adams III died in 1987 at age 29.