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Several Must Have Paid Cydia Apps
|July 25, 2012
|Posted by Charlie under Uncategorized
I know that most of you jailbreak their devices to gain Cydia and the possibility to download free Cydia apps. Unlike the Apple App Store where everything is payable, Cydia comes as a relief. Here, you have the opportunity to find numerous apps that were removed, banned or hidden. Besides all those free Cydia apps, on Cydia you can also find payable apps and tweaks. Here I want to show you some useful paid Cydia tweaks. I know that the fact that you must pay for them is not very attractive, but trust me; you will enjoy them a lot. I will not discuss each one of them apart. Once you download one and install it on your device, you will see how it works.
Here are the top ten paid Cydia apps available for download under less than $5. I try to say something related to each app or tweaks. Therefore, Aero ($1.99) adds animation for multitasking, Deck ($1.99) is used to place top apps and tweaks on the side in the menu bar to keep them at handy and Usefullcons ($0.99) is used to place the most important icons on the springboard. Speak Events ($1.99) is used to hear your major evens, emails, texts or other notes out loud and it can be customized to read content or just the title and sender. SendAny tweak allows you to send any file you want through SMS for only $1.99. Imperium app works in the same way as the SBSettings app and gives you the option to customize the status bar with your favorite features. This app costs only $0.99. It is worth mentioning the Shrink app, which decreased the size of your icons in order to place a high number of apps on the springboard. PhotoAlbums + arranges your photos in special folders protected with password. This will keep curious eyes at distance. For those of you who like entertaining, YouTube HD will turn out to be a great app. It gives you the chance to download Streaming videos to see them in the YouTube app.
Many other great Cydia apps are pretty affordable to purchase. The most important is the fact that it is worth buying them.
3 Essential iOS 7 Cydia Tweaks for Jailbroken Devices
|July 25, 2014
|Posted by Charlie under Uncategorized
Even though the iOS 7 jailbreak is out for a while now, some people still did not jailbreak their devices. In this respect, I want to show you some of the most important Cydia apps and tweaks you definitely need to download on your brand new jailbroken iPhone, iPad or iPod Touch.
First of all, before going any further, I want to clarify the fact that, in order to have access to Cydia download store to install all those great apps and tweaks, you need to start the jailbreak. This process can be easily performed with the help of various tools available. It is worth mentioning the fact that you need to pay a little bit of attention when doing this procedure, since you might ruin your device if you do not follow the steps as indicated.
Within Cydia download store, users can find plenty of interesting apps and tweaks that can improve the iOS 7 experience dramatically. In the same time, with the right apps and tweaks, users will be able to make their devices better, faster and stronger. They can change different features, improve various settings and change their jailbroken device completely.
As a great tweak that makes use of Apple's latest flagship, UnlockID makes use of iPhone 5S's Touch ID. The tweak allows users to unlock their Mac computer with their iPhone 5S, as well as to store website passwords for your Mac. The app will also fill them automatically by touching your fingerprint whenever you visit a password-protected website in your browser of choice. The app is suitable for those who do not want to have their Mac save website passwords, or those who want to access all of these password-protected websites without a problem. If you are interested, UnlockID costs $2.99 on Cydia download Store.
If you want a quick manner to write up a Tweet or Facebook status update, then you definitely need Compose. This tweak adds quick-access links to iOS 7's Control Center, and it allows you to do list with different things to choose from, with Twitter and Facebook being a part of them. It is basically a shortcut which will grant you the possibility to write ideas, thoughts or desires. The bad part is that we have only two slots available to put shortcuts to. However, I am sure that you will manage to gather those apps you really need. If you are interested, Compose is only $0.99 on Cydia.
Badger 7
Badger has been available in Cydia since iOS 6, but now, it has been fully updated or OS 7 in the form of an all-new app called Badger 7. The tweak gives users the possibility to look to all notifications for a given app all at once, by swiping up on the app icon or double tapping on it. In the same time, it appears that the tweak is specially designed for the flat-design of the iOS 7. The only problem that users complained about was the fact that the double tap might accidentally execute Badger 7. However, as long as you are paying attention, you will be just fine. Badger 7 is only $1.49 on Cydia.
Wallmart Gets Rid Of Apple After Burning Incident
|May 19, 2014
|Posted by Charlie under Uncategorized
If you are in the marketplace for tablet pc or a brand new smartphone, you should head around to your local Walmart.
The retailer is rolling back the cost of Apple's iPad 2 (16GB WiFi version) . The price begins today, but in case you would like to benefit from it you better act quickly because it is not just unavailable for the next 30 days.
It is also possible to save more when you trade in your old iPad for a version that is new. Walmart is ensuring trade-in value that is at least $100 on any Apple iPad. Meaning it is possible to get the iPad 2 or a brand new iPad Air (16GB WiFi) for $399, when you trade in your present Apple tablet pc.
Meanwhile, if you are looking for a fresh cellphone, deals is additionally running on Samsung Galaxy apparatus and new iPhones. The retailer gives you more or $100 for any functioning smartphone and update to a brand new device with a two-year contract from Verizon or AT&T.
After the reduction, you will pay or Galaxy Mega, $ 45 for the iPhone 5s, or simply
A 13-year old Maine eighth grader was treated at an area hospital for burns she suffered after her iPhone 5c caught fire in her rear trousers pocket.
Helped by peers and teachers, the daughter was treated first by emergency crews, afterward at an area hospital, where her burns were described as "reasonable." Collectively, the pupils' and teachers' quick thinking saved the girl from harm or additional burns, in accordance with Rodman.
The cellphone, pictured above, was clearly burned; no official cause continues to be shown. Palmeri warned all cellphone users to be careful of putting their device in a rear pocket or everywhere else it causes an electric short and could be destroyed.
Apple didn't promptly react to the request of opinion.
This is not the first smartphone fire event. Best Buy remembered a Rocket fish battery case for 3GS and iPhone 3G versions, for concern the internal battery could overheat and present a fire hazard.
A year ago, a Samsung Galaxy S 4 smartphone burst into flames. Cell phone security is a growing concern in Asia, especially, where two cases happened in July within a week.
The plastic iPhone 5c premiered for $99 (16GB) or $199 (32GB) in September, and comes in various colour choices.
From"1984″ to "1.24.14," Apple's Mac has come quite a distance in 30 years.
And with it a guarantee the power of technology, set in the hands of everyone, could alter the world," the business web site said. "On January 24, 2014, we sent 15 camera teams all around the globe to reveal how that assurance is becoming a reality."
Filmed over 36 hours, between dawn in Melbourne and nightfall in la, more than 70 hours of content was seized on the new main iPhone 5s$99.99 at Best Buy and edited down.
How to Download Whatsapp for PC
|March 13, 2014
|Posted by Charlie under Whatsapp PC
In order to use Whatsapp for PC, you must download and install the Android emulator software also known as Bluestacks. You also have the possibility to choose an alternative emulator such as YouWave, but this one costs a small amount of money, and, in fact, it does the same job, without any added benefits or features. Next, with the emulator installed on your computer, you need to have the Whatsapp apk file downloaded and you can start the process.
However, as I said, you need to download Bluestacks on your computer. Bluestacks works on all Windows versions such as Windows XP, Vista 7, 8, or it appears that now, it can also be used on Mac OS X. With Bluestacks downloaded, install and launch the application. During the installation process, you have to be careful to follow each step indicated on the screen.
Launch Bluestacks and click on the "My apps" tab and go to the App Search option. Here, you need to type down Whatsapp in the search bar. Next, the software will display three different results, including Google Play Store, Amazon App Store, and One Mobile Market. You can choose each one of these results, but it is advised to choose whether Google play store or One Mobile store.
It does not matter the choice you make because eventually, you will end up with Whatsapp downloaded on your computer. After you will download Whatsapp on PC, just install the application. The installed application will be placed under the "My apps" tap in Bluestacks.
The first encounter with Whatsapp will be pretty simple. When you launch the famous messaging platform for the first time, you will have to configure the application. First of all, a simple click on I agree with the terms button will be enough.
You will also have to provide a reliable and working phone number in order to make the connection. This is required even if the service is not working with a carrier. The messaging service will next send you a verification code in order to confirm if you really own the respective number. This would be all in what concerns the installation of Whatsapp on PC.
If you want to learn on how you can add your contacts to Whatsapp for PC, find out that there is no way in which you can add them all at once. Whatsapp on Windows does not work the same way as the service works on a Smartphone. You will have to add each contact manually.
For this, just hit the Menu button in the low left corner and choose the Add contact option. At this point, you will have to enter the name and the phone number of the respective contact manually. When you finish completing the fields, just click on Done. Repeat the process for each contact you want to add.
As you can see, it is not hard to add Whatsapp on PC using the Bluestacks software. The program is actually user-friendly, and then, to download and install Whatsapp on Windows is not that hard since you do the same steps as you do when you install the service on a mobile device.
Best Strategies For Purchasing One.
|January 29, 2014
|Posted by Charlie under iPad Facts
Attempting to get the finest looking bluetooth iPad computer keyboard case for the iPad 2 could be tricky with the option which is available to you personally on websites like Amazon. It's True That you'll need an item which may hold your pill safe and can enhance your typing experience, but the visible division could be as significant for many, particularly whenever you'll be getting your iPad 2 beside you on the move.
Inside my situation, I needed an iPad computer keyboard mainly to enhance my typing effectiveness and correctness. After putting up with the touchscreen keypad for such a long time, I determined it was time to quit proof spinning and reading my files and purchase a fully-fledged physical computer keyboard to myself which may really keep up with me. The demand for quality design came as a result of my own work being such an official event, so I really could not be taking something too absurd or toy looking with me into meetings.
This really is really where I learned about the Zaggmate wireless iPad computer keyboard situation for that 2. Today, after searching through loads of beautiful leather computer keyboard cases; this metal event was a breath of oxygen and an iPad situation that actually stood out in the bunch aesthetically. But that is only the amazing point regarding the Zaggmate wireless iPad keypad situation – I will also have the choice to eliminate it from your tablet and appreciate my immaculate and light-weight device with no keypad.
Therefore, finally, should you'll need an iPad computer keyboard case with fashion, performance and endurance, the iPad 2 Zaggmate will be the top item you'll find online with a transparent distance.
Picture this: You have been waiting days that have looked like years, for your iPad 2 case also it ultimately came! You open it up, ease true in your system and parade it at home as you only won a fresh vehicle. This really occurs fairly often and is really all great. But unexpectedly, you place your system down and the hard-shell case you purchased splits right down the rear, and worse, the case never matches correctly in your iPad to begin with.
Cases in this way are quite typical since there are several severe errors which people make when purchasing them. Have a look over this listing of methods to think about when choosing your iPad 2 situation. Think it or not, 90% of the iPad 2 cases which were offered have been bought online. Purchasing a case on the internet is really one of the greatest means to purchase one, but simply ensure you keep these hints in your mind!
Review Your Everyday Routine.
Quite simply, think of the methods where you'll use you ipad2 every day. Does it sit from the sofa all-day and be utilized within the night for a small amusement? Does it go assist you each day? Both of these situations demand quite different cases to become powerful. You'll possibly need a protective hard-shell case or perhaps a case (for business) should you journey along with your iPad 2. You may need to pick an incident which includes a built-in stand with numerous viewing angles, if you intend to use it moderately for amusement and leave you iPad 2 in the home.
Getting Keyword Ideas in IPhone
|December 23, 2013
|Posted by Charlie under iPhone Review
The Auto-correct computer keyboard club in iPhone is concealed. Fortunately, we could only create just one change within the code and obtain the attribute allowed. The auto-correct computer keyboard club functions in almost any iOS 5 apparatus which comprises iPhone 4, iPad 2, iPad, ipod Touch 4G and so on.
Issues you'll need:
– An iPhone 4 operating iOS 5
– The Most recent version of iTunes for Windows / Macintosh.
Let us get that auto-correct computer keyboard club enabled in your iDevice:
The First Step:
Join your iPhone to your own setup, and generate a back-up of the system via iTunes.
Action 2:
Found and available the backup document via iBackupTool.
A Third Step:
Locate this; Library/Preferences/comapple.computer keyboard.plist
A Fourth Step:
Add this small bit of code any place because file: KeyboardAutocorrectionLists YES
Save the document. (You may get an alert asking to register the applications; however you can discount that as we are planning to utilize it only this once with this procedure. If this information pops up press cancel.)
Stage Five:
That is it. Copy your iPhone from the comfort of iBackupBot using the modified back-up file.
Your auto-correct computer keyboard club would appear instantly on if you needed to sort something your iPhone.
Concerning the Autocorrect Keyboard Club
The auto-correct computer keyboard club is a characteristic that individuals commonly connect with Android telephones. It is not known why Apple attempted to cover this and additional attributes deep inside the iOS 5, but it is an excellent function if you need to cut your time inputting and rather get things done quicker.
Using the autocorrect computer keyboard club, you get recommendations also – therefore you may sort quicker because all time, words you mean to type are proposed immediately.
A word of warning: You may optionally have a back-up copy of the back-up file you created via iTunes), if you're really not that confident about editing (in measure four. That way if things fail (they will not, do not worry!) It is possible to resort for the aged back-up readily via iTunes.
Likewise, lots of folks go around saying jailbreak apps enable this function readily and also you would not need to-do anything like including code etc. But jail-breaking is technically erroneous according to Apple (even though lawful according to law) and may invalidate the guarantee.
Therefore, if all-you need would be to allow the feature, only apply this approach rather than being required to risk a jailbreak.
How to Jailbreak your iOS 6.0.1 Device using Redsnow
|January 24, 2013
|Posted by Charlie under Uncategorized
With each new iDevice or iOS released on the market, people hurry to purchase it and afterwards to jailbreak it. It has become a normal issue to jailbreak your iDevice in order to gain more freedom concerning certain things and aspects. However, some iOS versions might be considered quite a headache for developers who cannot find the solution for an untethered jailbreak. This also happens in the case of the iOS 6.0.1. If you plan to start untethered jailbreak iOS 6.0.1 on your device, you might want to wait a little bit longer.
First, only a tethered jailbreak is available for iOS 6.0.1 running devices, more specifically on A4-based devices. However, if you own an older boot device such as iPhone 3GS, you can be glad. This particular device is suitable for running iOS 6.0.1 untethered jailbreak.
However, if you want to start jailbreak iOS 6.0.1 tethered on your device, you need to upgrade to the latest firmware and then to download Redsnow on your computer. Keep in mind to start backup before you start jailbreak. In this way, you will keep all your data safe in case that something goes wrong.
Step 1: Now, install and launch Redsnow on your desktop computer which you connect your device.
Step 2: Click on Extras, then select IPSW and choose the current firmware running on your device.
Step 3: Enter your device in the DFU mode and choose Jailbreak. This will start the jailbreak process on your device. Redsnow will tell you if you placed your device in the DFU mode correctly.
Step 4: If you have not checked the AutoBoot option in Redsnow, it means that you will have to manually redo the third step each time you turn off your device. Otherwise, all you have to do is to connect your device to a computer and Redsnow will boot tethered.
When the reboot is completed, you will be able to notice Cydia Store on your homescreen. This means that the jailbreak process was successful.
In what concerns the new iOS 6.1 released for developers, we are glad to tell you that tethered jailbreak iOS 6.1 is available also with Redsnow. However, you should not hurry to upgrade to iOS 6.1 unless you are a developer and you know what you are doing.
Great Paid Cydia Tweaks
|August 29, 2012
|Posted by Charlie under Paid Cydia Tweaks
Jailbreaking is the only way in which you can customize your Apple device by following your personal desires. If in the beginning things were complicated, now, jailbreaking is very simple and easy. It takes only a couple of minutes and a little bit of patience and you will be able to do whatever you want within your device. This process allows you to change or to modify files within your operating system. The best thing about jailbreaking is Cydia download. Cydia is like a home for millions of apps and tweaks. All you have to do is to launch Cydia and search for the app you want.
Most Cydia tweaks are free, but some of them are paid Cydia apps that are simply worth it. The fact that some Cydia apps are payable should not be a step back for you. Cydia remains a valuable source for downloading the best Cydia apps and tweaks.
Here is a small list containing some valuable paid apps that will prove to be quite useful for you. For example, UsefulIcons is a simple app that permits you to choose the 12 most important apps and place them on your HomeScreen. This is for avoiding crowded display and finding things easier. This app costs only $0.99 on Cydia download. Imperium is a $1.99 app that is similar with SBSettings and it can be customized as you wish. Another useful app is the Deck, which costs $1.99, and it gives you the possibility to place shortcuts and features on the side of the screen. It is a good way to gain accessibility to more features and apps with a single tap of a finger. The last app I want to mention is the SpeakEvent. This app is only $1.99 but it is worth buying it. It gives you the possibility to hear your incoming messages, mails, notifications or phone calls. This app can be customized to read only the title, the sender or only the body of the message.
All those paid Cydia apps are a small part of what you can find on Cydia download. On the one hand, there are so many amazing free Cydia tweaks and apps and on the other hand, you have some useful paid Cydia apps.
Be aware of the blacklisted iPhones
|July 25, 2012
|Posted by Charlie under Uncategorized
While you will certainly wish to keep the concept of getting a great price when purchasing a refurbished iPhone in the back of your mind as you shop, do not presume that a wonderful price is the only thing you should think about. Unbelievable rates are certainly enticing when a consumer is checking into all of the possibilities readily available, but all-time low prices are not automatically a signal of quality in every example. Other things in addition to the price factor have to be thought about. My example is the condition of the iPhone, whether or not there is any noticeable damage on the iPhone, whether or not the Phone is blacklisted, and whether or not the vendor delivering the refurbished iPhone has an affordable return policy.
When a consumer is buying an Apple iPhone 4GB, 8GB, or 16GB, if the iPhone has actually been locked or blacklisted, it really does not matter whether the phone is without any water damages or any sort of exterior damages. When a refurbished iPhone is blacklisted, it will certainly fail to work completely. A digital serial number, otherwise referred to as an ESN, that is in the clear is required too, or, once again the iPhone will certainly not work. Stolen iPhones are blacklisted and cannot be activated.
If an iPhone is considered locked, this restricts the carrier that the customer of the refurbished iPhone can easily work with. It is essential when one gets a refurbished iPhone that they are completely aware if it has actually a locked standing. A locked AT&T iPhone will not deal with T-Mobile, even though it is on the GSM network
This is the reason why I strongly advise you to be careful when you purchase a refurbished iPhone!
Jailbreak 5.1.1 for A5 devices
|July 23, 2012
|Posted by Charlie under Uncategorized
Developers try to keep up with the latest news concerning iOS and Apple devices. When A5 devices running on iOS 5.1.1 were released, developers tried to offer a jailbreak option for their users. After a short while after iOS 5.1.1 was released, untethered jailbreak was possible. This is great news for every user in the whole world. IPhone 4S running on iOS 5.1.1 is one of the most powerful devices at this moment and its features can be improved in a completely different way by performing a jailbreak. This jailbreak is not only for iPhone, it can turn out your iPad or iPod in a completely different gadget.
As I already told you, untethered jailbreak 5.1.1 is now available by using one of many great jailbreak tools available. For instance, you can download Absinthe 2.0, free software, which will allow you to perform untethered jailbreak on your device in a simple and quick manner. You have to follow some simple steps and the process will be complete in a matter of minutes. If you want to try out a different tool, feel free to do it. Regardless the tool you choose to use, you need to perform a back up plan using iTunes account in order to have everything saved in a safe environment. Once you download the software on your device, you may begin jailbreak 5.1.1.
The first step in this process is to extract the zip folder in a different folder on the home screen. You need to connect your device to a computer. You need to find software that is compatible to your operating system running on your device. For this, I advise you to use Absinthe that works just fine on every operating system. Once you have everything ready, you may start jailbreaking your device. You see everything you need to know in the window appearing on your screen. Once the jailberaking 5.1.1 is complete, you may want to launch Cydia to explore its great benefits.


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subset: commoncrawl


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Cable vs. Satellite
Compare the differences and get the right service for you.Compare Now
Are bundles bogus?
Nope, they can save youSee How
a bundle of cash.
See the provider map.
You want cable, you need cable, but who is your cable provider?View Now
It's easy to get cable. Call 1-866-921-5828
Why Cable TV in Bee Spring, KY
If you are looking for hours of entertainment, easy to use DVR technology, or simply want affordable TV service, consider cable TV in Bee Spring, KY. Enjoy hours of On Demand content, local channels, movies and hundreds of HD channels. Cable is all-digital, so it won't drop out in bad weather, and requires less equipment than satellite. With cable TV you can also get high-speed Internet. Cable Internet is faster than DSL, and a cable bundle can save you up to $400 every year. Plus cable is:
Cable TV offersmore HD choices
Snow may mess up satellite, but itdoesn't faze cable
Cable can beinstalled virtually anywhere
How Bee Spring, KY Watches TV
If you thirst for cable TV knowledge, we can help. CableTV.com has cold-filtered cable data on tap and ready for consumption. Try this (it's on the house): almost everyone, or 97% of Americans, watches television as it is aired and roughly 33% of those TV viewers have at least four televisions in their homes. Upwards of 50% of people also stream video content online. Among those with cable TV, almost three-fourths bundle their service with high-speed Internet. Cable's ubiquitous national presence also helps explain how DVRs account for about 7% of America's total TV viewing.
All those stats mean that if you don't own at least one TV for every room in your house, chances are your neighbor to the left or right of you does. It also means that almost everyone you meet today will watch a TV tonight, and 57% of them will use either their DVR or their Internet to do so.
Cable High-Speed Internet in Bee Spring
Cable providers have so much more to offer than TV. That is why so many Bee Spring residents bundle cable services. Cable Internet is faster than most DSL services, providing downstream speeds 25%-100% faster than the national average. People who choose cable bundles also save money, roughly $42 every month they bundle TV and Internet. Both are very good explanations why cable Internet subscribers represent 32% of households, and how broadband penetration in Kentucky grew to 58% by 2010. Enter your zip code to find out more about cable Internet, bundles and providers in Bee Spring.
It's easy to get cable, Call 1-866-921-5828
CableTV.com Loves Bee Spring, KY Actors
With all the great roles Sasha Alexander has had in her career, it's no surprise that people in Bee Spring, KY are big fans. Actress Sasha Alexander, born Suzana Drobnjakovic, has appeared on television shows including "Wasteland," "Dawson's Creek," and "Presidio Med." Her career skyrocketed when she landed the role of Caitlin Todd in on the CBS drama "NCIS" in 2003. After her character's death in 2005, she landed the lead role of Emily Atwood on "The Karenskys." Now she has moved to TNT's popular crime drama "Rizzoli & Isles," which you can check out on cable TV. In addition to a thriving television career, she's also been in "Mission Impossible III," "He's Just Not That Into You," and Jim Carrey's "Yes Man."
Find Cable TV in Bee Spring
Because we know about cable TV like Bob Saget knows...well, we won't go there, we can help you figure out which cable TV provider is right for you. Our vast knowledge base puts us in a position to help you. Local governments license the ability to provide cable service in a given region, and these regions typically only allow one provider, so cable companies generally don't overlap in the same areas. By calling the number above, you can find out about your cable provider in Bee Spring.


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Revenue ideas for the real world
Could your best "new" idea already be somewhere on your bank's menu?
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- Written by Steve Cocheo
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- Comments: DISQUS_COMMENTS
Many bankers find insights in reading this or that account of Apple, and how Steve Jobs and company found a way to make America crave gadgets it never knew it needed, until they were there to be had. If you are reading this on an iPad, you know well what we mean.
What sets banking and technology apart is that societies have needed funds storage and transfer, credit, investment, and trade finance just about forever. The how evolves, but the what, not as much.
As with so much of banking, the key is how a bank applies, and promotes, the basics. Take Greene County Bancorp in upstate New York. In its annual report, "Uncovering Hidden Opportunities," the company recounts how municipal banking is one of its mainstays—sufficiently so that the company formed a subsidiary devoted solely to municipal services. One of the company's muni banking officers is a third-generation volunteer firefighter. Working first with local fire districts, that officer developed the bank's financing program for fire departments into a statewide business. While serving the public interest, this community bank generates tax-free income.
The five banks featured in our second annual revenue ideas report share one characteristic. They have faced the challenge of skinny spreads and other profit drains with a reemphasis on basics—sometimes by reinvigorating or reinventing activities they were already involved in, or sometimes by adapting to market opportunities.
What hidden opportunities can be found under your own roof?
IDEA #1: Making and selling Small Business Administration loans
State Bank of Countryside, $600 million-assets, Countryside, Ill.
As a Chicago-area commercial real estate lender (CRE), State Bank "pretty much had our lunch handed to us in 2008-2009," says Tom Boyle, vice-chairman. As things stabilized and the bank moved further away from clean-up mode, management sought greater diversification. One successful effort over the past 18 months has been making SBA guaranteed loans, and selling the 75% guaranteed portion to investors through the SBA broker network.
The bank realized this type of lending requires experienced specialists, rather than traditional bankers. It began with a single lender, who knew the business and had family ties to the SBA brokerage world. Bank and lender had some cultural adjustments to make. Some deals brought to the loan committee initially didn't fly, for example. Boyle says that while the SBA guarantee is there to give lenders confidence, "we are still holding 25% of the credit." The bank, acting conservatively, prefers these loans to be subject to its mainstream credit standards. An understanding developed, and some $10 million in new credit has been brought in.
During most of the time the bank has been selling guaranteed pieces, they have commanded a premium of around 15%, says Boyle. Though that's fallen somewhat, it's still profitable. In addition, nearly every deal has been a new customer. The bank requires SBA borrowers to bring all their operating accounts to Countryside, so it benefits from new deposits. The bank's relationship bankers, in turn, call on these new customers to develop even more connections.
A second experienced SBA lender was hired recently, and Boyle says the new line of business has given the bank a nice return, comparable to the good days of CRE. Many deals have involved smaller hotel chains in the metro Chicago area, which gives the bank a bit of familiarity. A benefit of the SBA effort: While the bank is booking new business and building new customer relationships, it need only hold capital against the unsold portion of the loans.
IDEA #2: Doubling down on home loans
First State Bank of St. Charles, Mo., $263.5 million-assets.
With Dodd-Frank taking shape, Executive Vice-President Luanne Cundiff says her bank stood at a crossroads. Like many community banks, it had to decide whether to stay in the mortgage business or get out.
In 2010, when the St. Louis-area bank began pondering this choice, many specifics of the Consumer Financial Protection Bureau's eventual landmark regulatory package were yet to be seen. But things didn't promise to be easy. Getting the bank's operation up to speed would take time, expense, and effort—but there would be an opportunity. Management decided to not only delve deeper into mortgages, but to make a side business of serving those banks who could no longer justify continuing as direct lenders.
So First State's effort began with the purchase of the mortgage operation of another area bank that was well-known to be troubled and later failed. The mortgage division was sound, but had lost all but one of its mortgage-purchasing investor relationships. The division acquired by First State had 18 employees. Today, 120 employees enable First State Bank Mortgage to serve the St. Louis, Kansas City, and Lake Ozark, Mo., markets with a combination of in-branch lenders and dedicated mortgage loan origination offices. It now enjoys relationships with 18 investor organizations. With some investors deciding to get out of acquiring mortgages, First State saw the value of being able to work directly with Fannie Mae, when necessary, and, since January, has been able to do so.
Besides making and servicing its own loans, the mortgage division serves 22 institutions through its Community Mortgage Banking operation. This represents 10% of the division's mortgage pipeline, by dollar volume. "We're in the beginning phases of serving other banks," says Cundiff.
One major organization change: outsourcing some servicing elements to Dovenmuehle Mortgage, Inc. It handles past dues, loss mitigation, and efforts to help troubled borrowers maintain their payments, and homes.
As the new regulatory scheme came in, management decided to make non-QM (Qualified Mortgage) loans, so long as they passed CFPB's ability-to-repay standards. As a result, not all loans originated are sold to the secondary market. Between 10%-25% of flow is held in portfolio—most being ARMs that don't meet Fannie Mae guidelines.
"We have always felt that those who can figure out the new regulatory system would be the ones that will be able to service their customers," Cundiff says, adding that the bank sees this as a public service. Without it partnering with local banks in some small communities, "I don't know what would have happened with mortgages in those towns."
IDEA # 3: Reinvigorating in-store banking
Tri Counties Bank, $2.6 billion-assets, Chico, Calif.
Before becoming a banker, Richard Smith, president and CEO, spent 15 years in the wholesale grocery business and then a short time at Safeway before he came to Tri Counties to start its in-store branching effort. His motto about the in-store technique: "Regardless of where people opened their accounts, they all shop." His point: Who typically visits a bank's branches? Its customers. But who walks by an in-store branch? Everybody's customers.
Tri Counties, which has outgrown its name (it now serves 23 counties), began its in-store strategy in 1994. The bank has since adjusted the offices' look and feel, but one-third of its locations remain in supermarkets or Walmarts.
The purpose of these branches is convenience, but to Smith, that word means more than a place to cash a check, find an ATM, or make a quick deposit. Tri Counties' in-store branches are full-service and offer consumer and commercial lending, mortgage loans, and investments. Five or six employees man the offices, which are open every day.
Early on, to prove the installation was a bank, tellers were featured prominently. Now, with the concept established and teller services representing the least profitable aspect of these offices, teller service has been de-emphasized.
In some markets, like Sacramento, the bank maintains mostly in-store branches (ten versus two freestanding). In such cases, the ubiquity of the store locations "makes us look larger in size than we really are," says Smith. "We could not have expanded as we have if we had opened ten traditional offices. It would have been prohibitively costly."
A location that doesn't work doesn't stay in that store for long. Contracts are negotiated to allow the bank such flexibility. Here's part of what Tri Counties looks for:
• Traffic. The bank likes to see store customers who visit at least 2.2 times weekly. That's why you won't find Tri Counties in a Costco—people tend to make pilgrimages there, not regular shopping trips.
• Demographics. You can't ignore the types of customers who generally shop at a location. "Not all Walmart shoppers would make good bank customers," Smith explains, so the bank is selective in which stores it selects.
• Goals. Increasingly, the bank is seeking conversations with prospects, not just the opportunity to provide transactional service. This is where many experts predict the future of branches lies. "It's still hard to do everything on your cell phone or your computer," says Smith. He believes in-store offices will continue to pay off for at least a decade.
Some say in-store branches represent a good way to reach women. But growth of accounts is the biggest benefit of this strategy, Smith says, adding that plenty of men shop. "And business people go to the grocery store too."
One last tip: "One of the best marketing tools in a store is its P.A. system. We contract for its use."
IDEA #4: Look afresh at Home Equity Lines of Credit
Peoples Bank SB, $693.4 million-assets, Munster, Ind.
Regulators and others have been concerned about HELOCs, but the worry is about HELOCs entering the repayment stage, not new ones. Older loans got caught in the property value down-trend during the crisis.
Benjamin Bochnowski, executive vice-president and COO of Peoples Bank, says the publicly held savings institution has been looking at ideas to boost profitability as it seeks to remain independent. One growth opportunity it has pursued for about a year is HELOCs, with an emphasis on making these loans to first-mortgage customers.
HELOCs aren't new to the bank. Bochnowski characterizes the renewed effort to promote them as a refocusing, coming as part of an overall revitalization of the bank's sales efforts and review of profit-making opportunities. The bank also is building its commercial lending capabilities.
Now, HELOCs represent a good opportunity for homeowners. "Many consumers forgot about HELOCs after the crisis," Bochnowski says. "For the first time in a while, there are credit needs in our communities." Rates are still historically low, making this credit much cheaper than credit card debt. In addition, home values in the bank's markets have been rising again, opening up more equity to borrow against. The bank approaches this opportunity conservatively, not seeking to lend at high loan-to-value ratios.
In the last year that the bank has been reemphasizing HELOCs, outstanding balances have risen by 10%. Bochnowski attributes growth to a mix of selling—bank effort—and buying—customers asking for the credit lines. For 2014, the bank is projecting 15% growth.
IDEA #5: Serve niche business lending specialties
Opus Bank, $3.7 billion-assets, Irvine, Calif.
Stephen Gordon built this company from a bank of under $300 million that he and an investor group bought in 2010. They expanded it through acquisitions into a three-state regional player. Expansion through much of California and into Arizona and Washington was accompanied by an effort to develop niche business lending and finance strategies facilitated by hiring experts from other institutions. These experts bring the bank's core business services, and specialized approaches, to customers in the healthcare and technology fields. The bank also does CRE finance and structured finance, and recently launched a merchant banking operation, providing a range of services.
Healthcare illustrates the potential benefits of specialization. Credit needs include practice acquisition and expansion, partnership financing, equipment finance, and other business credit needs. Deals have reached past $5 million.
Gordon, an investment banker with Sandler O'Neill prior to entering banking, pays up when he launches a niche credit specialization. He is looking for a particular kind of banker. "I gauge people on how hungry they are," says Gordon, the bank's chairman, president, and CEO. "I can't teach someone to be driven, or to have the gift of gab. But I can teach them banking."
Many of the niche operations are headed by executives with titles that reflect their expertise and authority. Quick turnaround of decisions is stressed, though the bank relies on a centralized credit operation to handle detailed analysis.
"It's possible to have an entrepreneurial environment and still to make sure you are managing performance of assets," says Gordon. To date, specialized lending niches account for about 40% of the bank's lending. "These aren't even mature divisions at this point," he says, "and they are already significant contributors to profitability."
Tagged under HowTo, Community Banking, Feature,


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Alessandro Ballan continued the BMC Racing Team's trend of representation in the breakaway by being part of a group of 16 that escaped the pack 25 kilometers into Saturday's 149.2 km stage of the Vuelta a España.
Morabito, Eijssen Finish Together
Ballan's group began to splinter on the second-to-last of five categorized climbs, 30 kilometers from the finish. The last of the escapees was swept up within four kilometers of the line as race leader Joaquin Rodriguez (Katusha Team) took the stage win ahead of Alberto Contador (Saxo Bank-Tinkoff Bank) and increased his lead over Contador to 22 seconds. Ballan said the breakaway – which never enjoyed more than a four-minute led – was not destined to reach the finish. "It had a lot of riders in it and it wasn't good for Saxo Bank," he said. "I felt good, but this stage wasn't one for me in the final. But I did have good sensations in my legs and feel ready for the next two mountain stages." Friday, it was Steve Cummings soloing to a stage win out of the break for the BMC Racing Team while Amaël Moinard was in an escape the day before. Yannick Eijssen had his best placing thus far in the Vuelta (29th at 3:38) while following teammate Steve Morabito (28th at 3:31) to the line. "We know we don't have a pure climber here who can fight at the finishes, so we'll keep trying the next two days in the mountains to get in the breakaway," BMC Racing Team Directeur Sportif John Lelangue said.


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For Sale: 2001 Wildside Toterhome, 2011 S&S RaceTra
Ad #182214671 Posted:2014-08-02 18:05:14
This ad has been marked as sold.
This super late model racing rig has been maintained in excellent condition both inside and out. Inside the toterhome there are no rips, stains, or worn areas on the furniture or bedding; all appliances, tvs, cabinet doors, etc are fully functional with no damage. Only minor wear marks on the exterior of the truck, as expected from normal use. The trailer is in excellent condition and has been immaculately maintained as well. Both units were routinely detailed inside and out weekly.2011 S&S 38' Stacker
Above Added: Tue June 10, 2014, 10:51 am EST
- Remote operated hydraulic lift gate
- fits 2 cars ontop
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- plummed w/compressor, several outlets
- fresh water tank
- 80% tires
- alcoa rims
2001 Wildside Conversion on a 1998 Freightliner Chassis
- ten speed automatic
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- sleeps 8 (2 x bunks, 1 x king, 2 sofa queen size beds)
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Seller Phone Number: (334) 614-9003
This item is USED
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Item Location: PHENIX CITY, AL Get Directions To This City
Instructions for buyer: Serious Inquiries Only. Call 334-614-9003
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Minority Microbiology Mentor Newsletter
The Committee on Microbiological Issues Impacting Minorities (CMIIM) has developed an e-newsletter for distributing pertinent information to underrepresented minorities in microbiology and their advisors.
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The top 10 mobile commerce chiefs
Internet Retailer presents the inaugural class of its Top 10 Mobile Commerce Chiefs, pioneers who have created some of the most successful mobile sites ...
The top 10 mobile commerce chiefs
Internet Retailer presents the inaugural class of its Top 10 Mobile Commerce Chiefs, pioneers who have created some of the most successful mobile sites ...
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As a thank you, we're giving away free Top 500 Guides starting Mon., May 13. Stay tuned on Twitter with hashtags #Top500Guide and #Trivia.
Each year in April, Internet Retailer's research staff is barraged with e-mails from our sources. They write: "When is the new Top 500 Guide coming out?" "Can we see a copy of our listing?" "How did the others in our category do?" or my favorite (to which our answer is always some variation of "No" and "Sorry!") "Can I have a free copy?"
We love these e-mails from our readers and our trusted sources because we know that for the last 10 years, the Top 500 Guide—many call it "The bible of e-commerce—has been unrivalled as the most comprehensive and in-depth look into the marketing, merchandising, customer service and technology strategies of the leaders in online retailing.
Merchants have often shared their internal data with Internet Retailer because inclusion in the Top 500 Guide provides the quintessential bragging rights in online retailing—only the biggest and the best e-commerce companies are included. Small retailers use the Top 500 Guide to benchmark their progress, vendors view it as a valuable marketing tool and investors find potential business partners.
We want to thank our readers for their loyalty over the last 10 years and to celebrate the publication of this tenth anniversary edition with a little fun.
With that in mind, Internet Retailer will be hosting a Top 500 Guide trivia contest on Twitter starting next Monday, May 13 at 2 p.m. Eastern time. The format will be a trivia quiz based on Top 500 news, data and analysis that Internet Retailer has been posting in its Top 500 Insider stories on InternetRetailer.com since last Mon., April 29, when the 2013 Top 500 Guide was released.
There will be three prizes awarded. First price is a one-year subscription to the online database version of the Top 500 Guide. A $239 value, a Top500Guide.com subscription includes the same data available in the print version of the guide, such as 2012 online sales figures, conversion rates, company executive names and the technology vendors each retailer uses, but also allows users to slice and dice data to create custom reports. For example, subscribers can use filtering tools to compile a list of apparel retailers in California with more than $25 million in 2012 web sales, or books and music merchants based in Illinois that collect no sales tax.
Second prize is the bundled digital and print versions of the Top 500 Guide, a $135 value. And third prize is the print version of the Top 500 Guide, a $75 value.
Here's how it will work.
To participate, readers must first follow IR_Magazine on Twitter. Those that follow our news regularly will have an easier time with the questions. There will be three rounds. At 2 p.m. Eastern on May 13th, IR_Magazine will Tweet the first question. Something like, "Who is No. 1 in the Top 500 Guide? #Top500Guide #Trivia."
To move on from Round 1, participants must quickly retweet the question asked, include the proper hashtags, #Top500Guide and #trivia, and include the correct answer. The first 15 people to tweet the correct answer will move on. In the case of our sample question (the real ones will be much harder) a winning response would be: "RT@IR_Magazine Who is No. 1 in the Top 500 Guide? #Top500guide #Trivia. Amazon."
@IR_Magazine will notify the winners of the first round on Twitter, and the next round will continue the next day at the same time among those 15 qualifiers. The second round of questions will narrow the pool to 10 qualifiers and the last round of questions, to occur on Wednesday, May 15, at 2 p.m. Eastern, will determine the three winners. Those who send in correct answers will be ranked according to who tweets first. Those three users can send @IR_Magazine a direct message for instructions on how to claim their prizes.
We think this will be fun and hope our readers and Twitter followers do as well. Who knows, Internet Retailer might make this a regular thing.
To successfully sell online to businesses around the world suppliers must get a lot of ...
Posted 10/20/14
Companies that sell online to other companies can learn a lot from looking at the ...
Posted 09/25/14
The secret to success in B2B e-commerce is simple enough to understand, but hard to ...
Posted 08/28/14
As B2B e-commerce companies face increasing competition, MarketLive founder and CEO Ken Burke offers tips ...
Posted 07/07/14
If there's something you've bought offline that you weren't able to buy online, we're probably thinking about that."


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When you think back to that great surf on the Hawaiian Island coastline, it brings a smile to your face. Why not throw on this Recycle tank from Hawaiian Island Creations so you can relive those memories over and over again. Featuring an image of printed surfboards with a brand logo and lettering on the front, as well as the back, this tank will keep you cool and show everyone the great times you had in Hawaii.
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Select Trim & Engine | OEM 2009 Honda RIDGELINE Parts
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A term invented by the futurist, Luigi Russolo in 1913 as part of his art of noises. Originally the term was applied with reference to new noise instruments, Intonarumori, that were played on their own as well as alongside orchestral instruments. The term evolved throughout the decades and has often been associated with works by Karlheinz Stockhausen who called for the emancipation of noise in many of his earlier works.
UNESCO DigiArts- Introduction à l'histoire et à l'esthétique des musiques électroacoustiques: Session 1 - Quelques réflexions sur les relations entre le son et la musique ( French )
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13 Wacky Home Products for 2013
From disco ball-inspired cleaning gloves to tea infusers that look like lovable sea creatures, the latest crazy home products from the International Home and Housewares Show promise to inject a little fun into your daily routine.
By Nicole Price Fasig
A Lot to "Like"
Photographing your food just got meta with the Social Pops from Zoku ($16.99). This decorating kit from VIP Award-winning Zoku lets you decorate your frozen creations with your (or your kids') favorite social media images and sayings, like a Facebook "Like" sign and slang phrases like "OMG" and "LOL," perfect for posting to your online profile.
Nicole Price Fasig


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Hot for the Holidays: Authors on Spicing Up Your Season
To-do lists! Shopping! In laws! The holidays can get so crazy, it's enough to make the most organized among us want to lie down and nap.
Argh, There be Pirates! Beverly Jenkins Schools Us on Swashbuckling Romance
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Cover Reveal: No Better Man by Sara Richardson
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Exclusive Cover Reveal: A Christmas Hope by Stacy Henrie
If you're someone who would listen to holiday music year-round if you could, today's reveal is for you!
It's Not All Kissable Lips: Cynthia Ruchti on Real, Enduring Romance
Fanning the Spark: Debut Inspirational Author Emily T. Wierenga on Marriage and Romance
A Suspenseful Journey - Danger And Intrigue In April's Inspirational Fiction
Magazine Extra: How Deeanne Gist Went from Bad Girl to Good Girl
Inspirational Overview: March
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Weekly Web Wrap-Up: 10/3/2014
Did you spend your whole week Stranded with the Rancher
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Giveaway: Gone Girl Movie Bundle
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Cover Breakdown: The Miniaturist by Jessie Burton
The moment I saw the cover for The Miniaturist, I knew it would be perfect for our Cover Breakdown series, and as soon as you see it, you'...
Madame Picasso's Gold Experience Giveaway
Extended Review: How To Tell Toledo From The Night Sky By Lydia Netzer
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Five Books Karen White Can't Do Without
Exclusive Excerpt: Anna Godbersen's The Blonde
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Tropeoween: Halloween Costumes For Your Favorite Romance Trope - Shapeshifting Heroine
Listen, this year you need a fun, creative, bookish Halloween costume that isn't Harry Potter-themed.
Witches of East End Recap: 2.12 and 2.13 — "Box to the Future" and "For Whom the Spell Tolls"
Cover Reveal: Transmuted by Karina Cooper
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Cover Breakdown: Shadow Study by Maria V. Snyder
Maria V. Snyder's Study series is one readers just can't get enough of.
Jennifer Estep's Superhero-Sized Fall TV Picks
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Amy Finnegan Actually Went On A Date With Her Celebrity Crush
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October 2014 Seal of Excellence
Each month the RT editors select one book that is not only compelling, but pushes the boundaries of genre fiction.
Hump Day Excerpt: Abe: Four In Hand by MJ Fields
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Bestselling Self-Published Romance: September 2014
Cover Reveal: Tamed by Stacey Kennedy
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Editorial: City saw stars, missed dollars
Experientia docet, the ancient Romans said — experience teaches. The next time a TV or movie crew asks to close off Salisbury streets for filming, city government and local businesses will have a better idea how to cope with the inconvenience — with their hand out for more than $30.
That's not bitterness talking. It's experience.
People in Salisbury were generally thrilled when crews filming "Sleepy Hollow" chose our own sleepy town to serve as a backdrop. Salisbury was not the only city involved in the filming, but the front lawn of St. Luke's Episcopal Church and the Bell Tower Park across from First Presbyterian seemed to play significant parts. And, for a modern-day street race in the tale, Innes Street figured prominently enough for crews to cover the Salisbury Post's sign with another saying "Sleepy Hollow Register."
So far, so good. But closing several blocks of streets downtown and using an out-of-town caterer put a big dent in downtown restaurants' revenues. Some who went into the week expecting extra business because of the filming instead wound up losing thousands, they said.
Hindsight is a wonderful thing. The business owners could have negotiated with the studio for compensation going into the week if they had anticipated this turn of events. The city could have done the same. Gastonia charged 20th Century Fox $1,700 for one day of filming in front of its City Hall and rental of a parking lot. But as the Rev. Whayne Hougland of St. Luke's said, many in the city were star struck. And Salisbury sought only to recover $29.94 for water.
Still, the "Sleepy Hollow" visit was a valuable experience — maybe even an invaluable one. Local hotels and motels gained revenue while the crews were here, and that generated motel-tax revenue. The local churches involved received compensation for use of their property, and a few residents got the thrill of playing roles as extras. 20th Century Fox spent about $8 million in the state all told. And Salisbury should get good exposure if the pilot film succeeds.
If Salisbury had the filming of "Sleepy Hollow" to do over, the city should do it over without hesitation, regardless of the compensation issue. But the city and businesses would have fewer stars in their eyes and have better practical knowledge of how things like this play out. That in itself is worth quite a lot. If "Sleepy Hollow" takes off and the crews return, residents will welcome them just as warmly as before but with fewer stars in our eyes. We learned that lesson from a wise and aged teacher — experience.


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MIKE SMITH, ZENYATTA, Winner: "It's just amazing. I'm so blessed to be part of the Moss's and Shirreffs and along comes a horse sent from God. She's just incredible. It was a short field and she had a lot of weight on her and I didn't want her to have so much to do, so I stayed a little closer than normal. Dawn After Dawn ran a great race, she kind of skipped away from me. I was trying not to hit the front too soon and she got away from me a good three-quarters to a length. But when I asked her she lengthened her stride and it was pretty much over then. I watched Rachel Alexandra's race in the (jockeys') room before I went to the paddock. I thought she ran dynamite. Maybe down the road we can have a little race together. It would be nice and it would be great for racing, I believe."
MARTIN GARCIA, BRIECAT, Second: "Wooo, she ran super. I wasn't worried about anybody, just my own horse. She's a really good filly and she has nothing to be ashamed of.
JOHN SHIRREFFS, ZENYATTA, Winner: "She's a big strong horse and obviously we weren't afraid of the extra three pounds. She's a champion and that's what champions do. You can't run from it. Embrace it. She was very steady throughout the race. Mike (Smith) said he timed his ride. He didn't want to move too soon. He didn't want to try to open up. I thought that she responded to everything he asked of her. As we all know, when they step into the starting gate anything can happen. Confidence is kind of a funny expression to use in horse racing. She has one of the best closing kicks in any horse I've been around. If she's close, then she has a chance. Now it's on to the next race which will probably be at Del Mar. The logical choice will probably be the Clement Hirsch. I can't really tell you because we haven't discussed it yet."
(When asked about potentially shipping East to meet Rachel Alexandra. )"It's hard to say right now. We will have to look at each race individually. I thought obviously that is an option and I'm sure it's something Mr. Moss and I will discuss later on. Rachel Alexandra is in her 3-year-old campaign right now so there is no discussion until she doesn't run in 3-year-old races."
JERRY MOSS, ZENYATTA, Winner: (On Personal Ensign's streak of 13 wins.) "Well, we can certainly shoot for that. She was a fantastic filly, Personal Ensign. The greatest horse race I think I've ever seen was that race (Breeders' Cup Distaff) against Winning Colors. It actually brought me to tears, we were at Churchill Downs.
"Now she's had two good races under her belt. She is strong, she is fit. We'll see where we go from here. That will be a decision John makes after he looks her over. (Will it be the same schedule as last year?) I think we want to do something a little bit more challenging. We think she is capable. She's stronger this year, she's a 5-year-old. She's just amazing.
(Did Jess Jackson's quotes bother you?) "No, quite honestly, he can say whatever he likes. He owns a great filly. She won very easily today. I'm not too crazy about the synthetic tracks either. I don't mind him talking up about that, maybe it will serve a purpose. And hopefully we will meet somewhere. If not the Breeders' Cup, maybe it will be somewhere else. I think time will tell on something like that and we will go from there."
NOTES: Zenyatta became the first Vanity winner to carry 129 pounds since Cascapedia in 1977. Gamely carried a record 131 in 1968 and Silver Spoon carried 130 in 1960 . . . The win was a record-tying fourth for trainer John Shirreffs in the Vanity. It was also the fourth for jockey Mike Smith. Zenyatta became the fifth repeat Vanity winner.
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