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Rose Byrne to take up Internship?
Jul 02 2012
Rose Byrne looks set to join the cast of upcoming comedy The Internship.
Rose Byrne looks set to join the cast of upcoming comedy The Internship.
The Damages beauty is in final talks for a role in Shawn Levy's movie, reports Entertainment Weekly.
If Rose signs up, she will join Wedding Crashers stars Vince Vaughn and Owen Wilson, who are reuniting to play unemployed salesmen who decide to reinvent themselves by becoming interns at a major technology company.
The 32-year-old actress - whose silver screen credits include Bridesmaids, Get Him To The Greek and Sunshine - is tipped to play a top executive who gets involved with Owen's character.
It has previously been reported that Max Minghella is in negotiations for a supporting role in the film.
The Internship, which was penned by Vince, is expected to arrive in cinemas in 2013.
|Page 1 of 1


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"We have ordered bullies from many places but landed on ValuePetSupplies for our recurring orders because of the prompt service, great prices, and of course great Bully Sticks (at least that's what our "kids" say)."
~Joey, Oceanside, CA
Bully Sticks
Wednesday, November 18, 2009 1:48:01 PM Etc/GMT+5
Posted in Customer Testimonials Bully Sticks Dog Chews By Nick Carter
Wednesday, November 11, 2009 2:03:53 PM Etc/GMT+5
"Here are the pictures I promised you with the dogs in their coats, Jada, Lila, and Sammie feel free to use them in your ad for the coats,they are wonderful and the dogs love them,it got to 2 below zero here the other night and even with them having a dog house the coats were that extra protection I wanted for them." ~Helen, Wilmington, OH
Posted in Customer Testimonials By Nick Carter
Apparel Costumes
Wednesday, November 4, 2009 2:08:27 PM Etc/GMT+5
"This is Kona and his best doodle friend Keely in their costumes at their Halloween party. Aren't they the cutest puppies ever??" ~Christa, Alberta, CA
Posted in Customer Testimonials By Nick Carter
Monday, August 3, 2009 1:04:17 PM Etc/GMT+5
"ValuePetSupplies is fast, GREAT prices, awesomely great customer service, AND they help pets in need. If you are a pet lover...the LAST reason is enough to use them. BUT, if you love great prices, love lots of wonderful NATURAL products and most of all LOVE people who LOVE animals...use Value Pet Supplies. You will be glad you did, and you will save a bunch of little buddies. Many hugs to those of you at Value Pet Supplies. God Bless you for the work you are doing. And WOW...do you ever get the green bones here fast lol. My Doggies Bubba and Lilli Pilli thanks you from the bottom of their little taste buds lol. They LOVE Nylabone Green Bones. Here is some pictures of them. One of them is Lilli Pilli enjoying a Green Bone from Value Pet Supply." ~ Martha Day Cotuit, MA
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Posted in Customer Testimonials Bully Sticks Dog Chews By Nick Carter

subset: commoncrawl


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Two separate dissenting opinions, including one in which all five dissenting judges have joined, assert that the question presented is deserving of U.S. Supreme Court review.
Posted at 10:38 AM by Howard Bashman
This case would seem to be a strong candidate for either rehearing en banc or U.S. Supreme Court review if Verizon decides to continue to pursue its challenge to the settlement.
Posted at 10:32 AM by Howard Bashman
Warren Richey of The Christian Science Monitor reports that "Top law school deans endorse Supreme Court nominee Elena Kagan; Deans of 68 major law schools endorsed Supreme Court nominee Elena Kagan; Her experience heading the Harvard Law School prepared her to decide some of the country's toughest issues, they say."
And today's edition of The Milwaukee Journal Sentinel reports that "MU's law dean praises Kagan; Marquette's Kearney says court nominee is a fine lawyer."
Posted at 08:45 AM by Howard Bashman
And in today's edition of The San Francisco Chronicle, Bob Egelko reports that "Prop. 8 backers target 18,000 same-sex marriages."
Posted at 08:40 AM by Howard Bashman


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new toyota corolla altis 2015
2015 Toyota Corolla Reviews : New Toyota Corolla Altis 2015
Japanese organization Toyota advertised the preparation of the twelfth era of its Corolla model. It will be a Corolla 2015. Changes on the new 2015 Toyota Corolla will be identified with the outer surface, inner part and exhibitions.
Concerning the outer surface of a 2015 Toyota Corolla progressions will be obvious. On the front will be another grille and full front veil. This extravagance vehicle will get more forceful and advanced look. The headlights get LED lighting and risky looks. The lights and back guard get a more pleasant look. Will expand the separation between the front and back axles. This will get somewhat on the measure of internal space. Toyota Corolla 2015 will have four entryways. It likewise showed up the data that will add some new shade to the standard color palette.
The inner part of the new 2015 Toyota Corolla will additionally encounter a noteworthy change. The seats will be upholstered in regular cowhide. The back seats will be more agreeable and have the capacity to be brought down to expand gear space. In the whole inner part will be utilized most quality materials. It is relied upon to prepare the most developed innovation of the new era. It will have a touch screen estimate 6.1 inch, USB port, Bluetooth, route framework, Entune sight and sound framework with speakers… Since security innovations is critical to say frameworks for crash shirking, framework to caution of path takeoff, electronic locks with programmed locking…
It will likely be offered four models of the new 2015 Corolla. These are the base L model, then augmented LE and LE Eco, and sports S model. L, LE and S models will have a four-chamber 1.8 L inline motor. It will be joined with a six-rate manual transmission CVT. It is competent to create 132 hp and 128 lb-ft of torque. Needed efficiency is 27 mpg in city driving and 34 mpg in interstate driving. LE Eco will have a marginally better motor with better mileage. It will create 140 hp and 126 lb-ft of torque. There are gossipy tidbits about making a mixture rendition, yet at the same time no official data.
New 2015 Toyota Corolla will be displayed at one of the International Motor Show in the nearing year. Data about costs is still just hypothesis. It is relied upon to cost between $ 17,250 and $ 20,250. It relies on upon the extra characteristics that the client choo
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Benton Harbor is nearly complete with a nearly two year, citywide rezoning project. The rough draft was presented to residents during a Planning Commission meeting Tuesday evening.
"The challenge now is the ordinance in its entirety is out dated and it's no good and the zoning map itself is out dated and inaccurate, so we have to get those two things adopted as a whole before we're in a position to come back in and make minor amendments," said John Houseal, co-founder of Houseal, Lavigne & Associates, a consulting firm hired by the city.
Houseal told the commission and residents the zoning changes better resemble those of nationally accepted standards and correct many problems.
One issue presented was parks along the shore were zoned for industry. Another was many neighborhoods containing single family homes were listed for multi-family dwellings.
Surveyors spent months reviewing the layout of the city to present the new plan, but not everyone was pleased with the zoning.
Cheryl Miller noticed her company, New Products Corporation, was listed in a "mixed use" zone, but for the last 90 years it has been considered a "heavy industry".
"The map showed a change that is inconsistent with the master plan, so it's changed it to mixed use and therefore none of the uses we're currently using it for would be allowed," said Miller.
The custom die-cast manufacturing company also expressed concerns about an ordinance change that would allow anyone passing by to complain about properties.
"You could imagine if 50 people drive by and they decided they heard their radio crackle and they wanted to blame the company we would have a $100 fine until we could fix the problem and maybe it's the high utility tower across the street," said Miller.
The commission said it would look into Miller's concerns and those of others brought forward during the public hearing. Another rough draft is expected to be presented during future Planning Commission meetings before it is adopted.
"At some point you have to put something down on paper and give the public something to respond to. We expect all of these individuals to provide feedback and I was actually pleased with the number of people who came out tonight," said Houseal. "It's a challenge. It's a rewarding challenge, but it's a lot of fun. It's complicated, there are a lot of moving pieces when you have to address the regulations that address single family homes and heavy industry and everything in between. It's a challenging thing to try to attempt to regulate.


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Enjoy more than 11 years of pictures from our Montgomery County program
CLICK HERE to see the new SOMO Picture Gallery for better views, slideshows, and ability to download or print pictures! The first page is highlights. Choose BROWSE to see groups of pictures by year. Don't forget to "LIKE" pictures (via the thumbs up icon).
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Unless otherwise noted, pictures by Frank Altrichter
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2012 Unified Basketball by Will Schermerhorn
2012 PA Winter Games – XC Ski by Dane
2009 Team MD NIT (Golf and Softball National Games) – Coach Chuck Hellmuth – Athletes Jimmy and Mack Rill from Montgomery County


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Featured stories about Oman
Oman: Statute of State Amended Following Shura Council Elections
A Royal Decree by the Sultan of Oman has announced amendments giving the Shura (Consultative) and State councils a say in the way the country is run. The laws give both houses new legislative and monitoring powers. Bloggers react to the results and what they see as tribal influences.
Stories about Oman
18 April 2014
Arab World: Farewell Gabriel Garcia Marquez
"My heart is sad tonight," tweets Jordanian Shaden Abdelrahman after learning of the death of Colombian Nobel laureate Gabriel Garcia Marquez.
10 June 2012
Oman: Arrests of Rights Activists Continue
Human Rights activists in Oman are being targeted by authorities amid world silence. Omanis take to their keyboards the keep their struggle alive, writes Mona Kareem, who brings us the...
17 May 2012
Proposals for Union of Arab Gulf States Prompt Concern
The governments of the Gulf are discussing transforming the current Gulf Cooperation Council into an EU-style union. The move comes in an atmosphere of tension caused by the Arab uprisings...
11 May 2011
Arab World: The Club for Arab Monarchies to Get Morocco and Jordan
At first, everyone thought it was a joke or just one more Twitter rumor. Soon, netizens realised it was true and the shock made everyone act hysterical with their funny...
16 March 2011
Bahrain: Police and Military Clear Protesters in Manama (Videos)
This post is part of our special coverage of Bahrain Protests 2011. On Wednesday March 16th, a day after the King of Bahrain announced a State of National Security, police...
7 March 2011
Arab World: Bloggers Compete for Arabisk Competition
Arab bloggers are vying for the Best of the Arabic Blogs Awards, Arabisk, which is now in the judging phase of the competition. The top 20 nominations in four categories...
28 February 2011
Oman: Protests Continue in Sohar
The waves of Arab revolt have reached the shores of Oman as hundreds of Omanis take to the streets in calls for reform and the end of corruption in different...
26 February 2011
Oman: The People Want an End to Corruption
"The people want an end to corruption" chanted thousands of Omanis, who have been protesting since Friday in Salalah and Sohar, as well as other parts of Oman. Ministerial changes...
25 January 2011
Arab World: Palestinian "Abed Raboo goes for the Qatari Jugular"
The Palestinian Papers, a leak which contains more than 1,600 internal documents on a decade of peace talks with Israel, created a furore online, after being released by Qatar-based Al...
14 January 2011
Arab World: Welcoming the Fall of Ben Ali
Looking at my Twitterfeed, one would think that the Arab world has been waiting for this day forever. Tweets celebrating the escape of Tunisian president Zine El Abidine Ben Ali...


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Celebrity gossip websites report that MARIAH CAREY has shared a video of herself in the hospital after her recent shoulder injury.
Mariah Carey is thanking her fans for supporting her after she was hospitalized for injuring her shoulder during a music video shoot for the remix video of her song "#Beautiful" with Jeezy earlier this week.
The singer, whom her husband Nick Cannon referred to as a "trooper" after she insisted to finish the shoot despite her injury, has shared a video of her leaving the hospital.
She also wrote on her Facebook page on Friday
"Thanks all for the well wishes … Still in a lot of pain – cracked rib, fractured shoulder, bruises everywhere, but the show must go on. I'm in a sling but will do my best to make it look good with the ensemble on stage Saturday with the NY philharmonic, an amazing honor and for such a great cause."
Get well soon, Mariah!
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Reader Comments (Page 1 of 1)
How foolish of people to claim that "hybrid" classes shouldn't be as good at a role as a "pure" class. They also make the mistake of thinking that some of the "hybrid" classes aren't "hybrids" at all. (Warriors are one of the better examples, as are Priests.)
A bear tank is there to tank. Period. Not to heal or any other half-arsed other activity they *could* perform. Tank. A Boomkin is there to dps. Not to heal, not to tank. They'll generally suck at either of those roles (much like a Shadow Priest trying to main heal...).
Any class that could do more than one role (tank, dps, heal) by respeccing talent trees needs to be darn good at each role, or they aren't worth using.
Currently you are right. If the dual spec system goes live with hot swaping allowed during raids then the utility of hybrid classes goes through the roof. For example, being able to take a strong DPS spec like boomkin and switch it between encounters to a strong healing spec like resto suddenly makes druids a lot more desirable than a mage.
The only classes that will really suffer from this problem will be hunters, mages, warlocks and rogues, but in compensation those pure classes are being designed to have slightly higher theoretical DPS. The gap is just going to be far smaller than it used to be so that skill can lead to the real differences.
I'm only leveling my hybrids.
oldwisemonk said...
Agree that what you're saying has truth, but dual speccing isn't JUST for Raid Spec A and Raid Spec B. Plenty of people (not just mages, locks, hunters and rogues) might go for Raid Spec and PVP Spec or Raid Spec and PVE Solo Spec ... or even some other combo.


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See and share Beautiful Nature Photos and amazing photos of interesting places
"The harder you work, the luckier you get."
Gary Player
Below is the poem entitled Mother which was written by poet
Ebomuche. Please feel free to comment on this poem. However, please remember, PoetrySoup is a place of encouragement and growth.
Read Poems by
Cardinal Ebomuche
In reckless abandon my mind trekked,
But I "became", by the ardor in your being
Despite the discomfort,
You preserved me in your pouch
When you could have chosen to wash me away
With great pains and agony you brought me forth,
Can I be ashamed of her that bore me?
One thing remains,
Even now that I am grown,
Your love I have not outgrown.


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People in the News
August 03, 2011
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Darrell Dinwiddie, Neil Miller
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Book Search
International Competition in China, 1899-1991
The Rise, Fall, and Eventual Success of the Open Door Policy
Series: Routledge Studies in the Modern History of Asia
The Open Door Policy in China was proposed by the U.S. government in 1899. Although adopted to stop the foreign partition of China, it was condemned as economic imperialism during the Cold-War period. With the People's Republic of China (PRC) embracing market reforms, encouraging foreign investment...
To Be Published March 30th 2015 by Routledge
Naval Power and Expeditionary Wars
Peripheral Campaigns and New Theatres of Naval Warfare
Series: Cass Series: Naval Policy and History
This book examines the nature and character of naval expeditionary warfare, in particular in peripheral campaigns, and the contribution of such campaigns to the achievement of strategic victory. Naval powers, which can lack the massive ground forces to win in the main theatre, often choose a...
Published October 6th 2013 by Routledge
Moscow and the Emergence of Communist Power in China, 1925–30
The Nanchang Uprising and the Birth of the Red Army
Series: Routledge Studies in the Modern History of Asia
This book examines the emergence of Communist power in China during the interwar period, focusing especially on the role of the Soviet Union and the 1927 Nanchang Uprising. It describes the history behind the alliance between the Chinese Communists and Nationalists, the impact of the USSR's...
Published May 31st 2010 by Routledge
Naval Coalition Warfare
From the Napoleonic War to Operation Iraqi Freedom
Series: Cass Series: Naval Policy and History
This is the first scholarly book examining naval coalition warfare over the past two centuries from a multi-national perspective. Containing case studies by some of the foremost naval historians from the US, Great Britain, and Australia, it also examines the impact of international law on...
Published January 25th 2010 by Routledge
Japanese-American Civilian Prisoner Exchanges and Detention Camps, 1941-45
Series: Routledge Studies in the Modern History of Asia
The important and previously undocumented event in the history of the Second World War: the negotiation of 'prisoner' exchanges between the United States and Japan during 1941 to 1943, is examined here by Bruce Elleman.Approximately 7000 American citizens had been arrested by the Japanese...
Published November 30th 2007 by Routledge
Naval Blockades and Seapower
Strategies and Counter-Strategies, 1805-2005
This new collection of scholarly, readable, and up-to-date essays covers the most significant naval blockades of the nineteenth and twentieth centuries. Here the reader can find Napoleon's Continental Blockade of England, the Anglo-American War of 1812, the Crimean War, the...
Published March 12th 2007 by Routledge
Naval Mutinies of the Twentieth Century
An International Perspective
Series: Cass Series: Naval Policy and History
This volume brings together a set of scholarly, readable and up-to-date essays covering the most significant naval mutinies of the 20th century, including Russia (1905), Brazil (1910), Austria (1918), Germany (1918), France (1918-19), Great Britain (1931), Chile (1931), the United States (1944),...
Published June 30th 2003 by Routledge
Modern Chinese Warfare, 1795-1989
Series: Warfare and History
Why did the Chinese empire collapse and why did it take so long for a new government to reunite China? Modern Chinese Warfare, 1795-1989 seeks to answer these questions by exploring the most important domestic and international conflicts over the past two hundred years, from the last half of the...
Published February 21st 2001 by Routledge


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Tuesday links work for peanuts
Someone is hiring writers and paying $10 for 600 words
Eliot Spitzer on Matt Taibbi's Goldman Sachs piece: "good journalism, and good reading"
"Asset allocation will work most of the time in the future but not always" — that's just saying it's certain to fail.
Nice gapminderish source for OECD macroeconomic data
I've made the Power Grid! But they massively undercount the number of unique visitors that Reuters gets.
"If you pay someone then you should like his answers to questions about this. Keep in mind no one can be correct every time but I think someone willing to make the effort to protect your assets and who can explain it easily to you is probably a keeper."
I agree with this. You should follow the plan that you can understand.
"but not always" — that's just saying it's certain to fail."
Are you saying that someone or some theory can be correct all of the time where investing is concerned? If it isn't, chuck it?
$10 for 600 words? There are people out there offering (and getting pieces delivered ofr) a lot less than that. $1 for 300 I've seen…..
Of course, there's nothing wrong with writing for glory rather than money. I've contributed probably a few thousand words to Wikipedia for zero dollars, and my Dad used to do software reviews for an old PC magazine for something like twenty bucks and a copy of the software. If they'd phrased the advert a bit differently, perhaps it wouldn't look so crass. Then again…I'm guessing they don't credit contributors, and their aim is to make money. So, yeah, screw 'em.


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lady gaga
Lady Gaga Invited to Visit Drug Treatment Center After Onstage Pot-Smoking Stunt
Lady Gaga sparked up a spliff and smoked pot on stage in Amsterdam earlier this week. In addition to intense media coverage that followed her actions, she has been criticized for what's perceived as glamorizing drug use. Officials at Blenheim CDP, a London-based substance abuse charity, invited her to visit a drug treatment center to witness the horrors of drug use firsthand.
Lady Gaga Battles With PETA Over Fur
Lady Gaga has run afoul of animal rights organization PETA, since she would not rather go naked than wear fur. PETA is claiming that Mama Monster is a hypocrite since she has recently been seen sporting what looks like pink mink fur, despite telling her friend and animal lover Ellen DeGeneres on her namesake show a bit ago that she "hates" fur. PETA brass sent her a nasty letter, but she fired back.
Lady Gaga Sends Warning to Carly Rae Jepsen
Watch your back, Carly Rae Jepsen! Lady Gaga ain't too happy with you.
Lady Gaga, Management + Merchandiser Sued for $10 Million Over Bratz Dolls
Lady Gaga, her management at Atom Factory and her merchandising company Bravado are being sued over a line of Bratz dolls made in Gaga's image and likeness. Actually, the dolls were never produced, so they are being sued for breach of contract for failing to approve the line of dolls in time for the 2012 shopping season.
Lady Gaga's Born This Way Ball Trek Is Top Grossing Female Tour of 2012
Even though she was plagued by protestors on the Asian leg of the Born This Way Ball tour, Lady Gaga was still laughing all the way to the bank. She placed No. 5 overall on Pollstar's Top 50 Worldwide Tours for the first half of 2012. While rockers such as Roger Waters, Bruce Springsteen and Coldplay placed ahead of her, along with Cirque du Soleil, Gaga is the female with the top-grossing tour so far. And guess what? She hasn't even hit Europe or her native North America yet.
A Mashup Of Nearly Every Mega Pop Song From The Past Year [VIDEO]
Here's a mashup of nearly every mega pop song from the past year. Everything from Katy to Gaga, LMFAO to Carly Rae.
Lady Gaga + Tony Bennett to Do Full Album of Duets?
Lady Gaga and Tony Bennett showed what they can do together on her Thanksgiving Day special and for their version of 'The Lady Is a Tramp' for his 'Duets II' album. Gaga and the crooner had such good chemistry — not to mention the fact that he sketched her in her birthday suit — that they want to take advantage of their working relationship and do a full album of duets! We love when generations collide.
Lady Gaga Angers Thai Official for Use of National Flag During Concert [VIDEO]
The Born This Way Ball tour might be delighting tons of little monsters overseas, but there are others who aren't so happy with Lady Gaga's latest stage show. According to WENN, an official at Thailand's Culture Ministry has berated Lady Gaga over her use of Thailand's national flag during a performance in Bangkok last month.
Is Madonna Backtracking Her Lady Gaga Diss?
The Madonna vs. Lady Gaga feud has been boiling over lately, with Madge including 'Born This Way' in a bratty mashup of 'Express Yourself' and 'She's Not Me,' in what felt like a catty cheap shot. Gaga responded while performing in New Zealand, refusing to sink to Madge's level or to dignify it with a direct response, instead claiming that no force can take down the power of the 'Born This Way' credo. That's when we scored the fight in Gaga's favor, especially since she said she would not be fighting back. Now it seems that Madge may be backtracking.
Elton John Concerned for Lady Gaga's Health
Elton John, who just endured a health scare of his own that required hospitalization and canceling of gigs, has spoken about his concern for Lady Gaga's health. What a concerned friend Sir Elton is, and he has every right to be. Mama Monster is the godmother of his son, Zachary.
Lady Gaga Plays With a Doll Onstage in Singapore
Lady Gaga is a lot of things. Fierce. Ferocious. Fabulous. Fashionable. A crusader. She's also cute as hell, as this video of her singing to a doll while performing onstage in Singapore so deftly demonstrates. Gaga, looking part vixen, part siren in her black bodysuit, fishnet stockings and laced, knee-high boots, is seated when she handles the doll, which was thrown on stage by a fan, singing 'Born This Way' to it. Only at a Born This Way Ball Tour show can you see this type of stuff.


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Meratus Line – Customer Service, Operation Staff
PT Meratus Line – We are a private-owned shipping line & Logistics Company, the largest ship-owner in Indonesia, and one of the leading global carriers in the Southeast Asia & Oceania*, currently looking for qualified people with willingness to learn, good leadership, good analytical thinking, high initiative, motivation, and integrity, to immediately fill the following positions :
Operation Staff
- Male,
- Age below 35 years old,
- Candidate should holding at least a Bachelor's Degree in Engineering, Social Science or related field,
- Having min. 1 year of working experience in shipping company, logistics or in the related field is required for this position,
- English literate, strong personality, leadership and communication,
- To be located in Batulicin, Kalimantan Selatan
Customer Service (BATULICIN)
- Male or Female
- Age below 28 years old,
- Candidate should holds at least a Bachelor's Degree, any field,
- Having min. 2 years of working experience as customer service in shipping company, logistics banking or in the related field is required for this position,
- English literate, strong personality, leadership and communication, service oriented,
- To be located in Batulicin, Kalimantan Selatan
Send your application letter, curriculum vitae, recent photograph, and your salary request
PT Meratus Line
[email protected]
cc : [email protected]
Only the short listed candidates will be invited to join the selection test
70/100 : by 210 users


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Capture a defining moment in basketball with this Wilt Chamberlain framed photo. This action-packed snapshot pays homage to one of the NBA's greatest players. You'll keep the legacy alive when you take the game off the court and into your rec room.
- Basketball court image and NBA logo add an official look.
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CORE Business Services was founded on the belief that businesses deserve robust, innovative technology solutions that fit the way they work, inspire them to do more, and enable them to reach their goals. All this and an unwavering commitment to outstanding service - that's the CORE Business Services way.
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"...great timely support and and very affordable pricing!...the best investment I've made in my IT infrastructure."-Alex Walker, Founder and Managing Partner, Anvil Search Group


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About Growing Wealth
Dr. William Wiley is a psychologist, author, and the owner of a Financial Services practice that serves clients in Georgia, South Carolina, and North Carolina. His expertise in understanding psychology and business gives him an advantage when helping his clients.
Hello fellow investor! Welcome to my blog.
My name is Bill Wiley, and I'm a financial professional living in our nation's second largest financial center! San Francisco? Nope…not anymore … now the second largest financial center in the USA is Charlotte, North Carolina.
I have 15 years of experience in everything from startups and IPO's … to stocks and bonds and everything under the sun!
Yep! I've seen a lot of things in my financial career… From the roaring Nineties…the bursting of the dot.com bubble in 2001…and the onset of the Great Recession in 2008.
The purpose of this blog is to be a resource and a voice of reason in these unreasonable and confusing times!
Growing wealth is not a complicated process, and it is not an impossible endeavor — but I'm not going to pretend it is easy. In fact, if it were easy there would be a lot more financially successful people than there are.
Why is such a blog important? Well…the statistics are frightening! If you take a group of 100 people, all of whom are starting their career today, when they are 65 years old:
- 64 will be broke
- 16 will be dead
- 15 will have a retirement income of somewhere between $30-$50K
- 5 will have a retirement income of more than $50K per year.
Take the wrong advice and you could end up anywhere — but in that last group. Like I said, "It's not complicated, but it's not easy."
I invite you to comment, ask questions, and to recommend suggestions. I value your input, and I'd love to see this blog grow!


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Romney donors' credit card info at risk.
The political fund that has raised more than $50 million to support Mitt Romney's bid for the presidency has been collecting money online with a system so insecure that it exposes donors' credit card information to even casual snoopers.
Computer-security specialists say that using such low-tech systems can violate laws and that the group should notify anyone who has donated.
Restore Our Future, the super PAC helmed by former top Romney campaign officials that runs ads attacking the former Massachusetts governor's opponents, has for months been accepting credit card information without any type of security, leaving the card numbers easily accessible.
"Quite frankly, the lack of credit card data protection on the site is unconscionable, and there is no excuse for it," said Diana Kelley, an analyst at the technology firm SecurityCurve, which reviewed the site. "They should stop taking card data until the problem is remediated and should notify their donors that their card numbers were at risk and may have been compromised."
Additionally, donors to a group supporting embattled Gov. Scott Walker may be at similar risk. Keep in mind, these guys are claiming to be the economic and financial geniuses in their contests. There's not a lot of evidence of genius — or even competence — here.
Source: washingtontimes.com
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Discover Illustrator
As a child, Insu Lee spent summer vacations with his sister in the Korean countryside. His memories of their shenanigans were an inspiration for the illustrations in Auntie Tiger. Insu Lee attended Hongik University in Seoul, Korea, and received his graduate degree from the School of Visual Arts in New York City. He resides in Williamsburg, Brooklyn, where he is illustrating his next children's book.
Copyright © 2014 HarperCollins Publishers. All rights reserved.
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Tag Archives: three-season tent reviews
5 Tips For Buying a Backpacking Tent
There are a lot of tents out there. How do you choose between them? Backpackers come in different sizes and have different needs and preferences in a tent. In testing scores of backcountry tents over the past two decades, for reviews in Backpacker Magazine and this blog, I've seen the best and the worst—and gotten a sense of what to look for in a tent and how to help people pick out one they like. Here are my five simple tips for finding the tent that you'll love. Continue reading →
Gear Review: Sierra Designs Flash 3 Tent
Three-Season Tent
Sierra Designs Flash 3
$400, 4 lbs. 15 oz. (tent and poles only)
Backpacking with my kids amplifies a challenge any backpacker faces: finding a tent that provides good living space and stability without being a burdensome weight or filling your backpack. My kids are young enough that they carry just personal gear (bag, pad, clothes, snacks, water). So on a recent overnight trip with my kids in the Needles District of Utah's Canyonlands National Park, without my wife or another adult to share the family food and gear load, I took the Flash 3 for a test drive and was blown away by the amount of space it has for a sub-five-pound, freestanding shelter. Continue reading →
Gear Review: Big Agnes Slater UL 2+ Tent
Big Agnes Slater UL 2+
$390, 2 lbs. 11 oz. (tent, rainfly, poles)
My first impression of the Slater UL2+ was formed before I even pulled it out of the stuff sack: I couldn't believe a two-person tent could possibly fit in such a small package. Given that I often backpack with my family—with my wife and I shouldering most of the gear because our kids are young—low weight and bulk take top priority with us. But any concerns about that low weight affecting the Slater's sturdiness in weather were erased after backpacking and camping trips in Utah's Coyote Gulch (two nights) and Capitol Reef National Park (two nights), Washington's Glacier Peak Wilderness (four nights), and Idaho's White Clouds Mountains (two nights) and City of Rocks National Reserve (two nights). This tent stood up to strong gusts repeatedly, including sustained, steady winds over 40 mph in the White Clouds and Capitol Reef, without even bending slightly. Continue reading →
Gear Review: Sierra Designs Flash 2 Tent
Three-Season Tent
Sierra Designs Flash 2
$340, 3 lbs. 15 oz.
As a violent thunderstorm ripped the skies open in Oregon's Eagle Cap Wilderness, on the second day of a five-day August family backpacking trip, I had to pitch this tent in a hurry. It was one of those moments when I really appreciate good gear design. With the Flash 2's "external pitch" integral rainfly attached to the interior canopy, I was able to keep the interior dry while pitching the tent in a downpour. And thanks to having clips instead of pole sleeves, it goes up very quickly. Continue reading →


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Light and Fluffy Baked Apple Pancake
Photo: Michael Turek
Golden Delicious apples hold their shape after they are caramelized with sugar and maple syrup, making them a perfect choice for this clever, giant one-pan pancake.
Yield: 6
More From Food & Wine
Recipe Time
25 Minutes
Total: 45 Minutes
- 2 tablespoons unsalted butter
- 2 Golden Delicious apples, halved, peeled, cored and sliced 1/2 inch thick
- 3 tablespoons sugar
- 1 teaspoon lemon juice, freshly squeezed
- 1/4 cup pure maple syrup, plus warmed syrup for serving
- 1 cup all-purpose flour
- 1 teaspoon baking powder
- 1 pinch of salt
- 4 (large) eggs, separated
- 1 cup milk
- Preheat the oven to 375°. In a 10 1/2-inch nonstick ovenproof skillet, melt the butter. Add the apples, 1 tablespoon of the sugar and the lemon juice and cook over moderately high heat, stirring occasionally, until the apples are golden, about 6 minutes. Add the 1/4 cup of maple syrup and simmer over low heat until thickened, about 1 minute. Spread the apples in an even layer and remove the pan from the heat.
- In a medium bowl, whisk the flour with the baking powder and salt. In a measuring cup, whisk the egg yolks with the milk and the remaining 2 tablespoons of sugar. Whisk the liquid into the dry ingredients.
- In a medium bowl, using a handheld electric mixer, beat the egg whites at medium speed until firm peaks form, about 2 minutes. Fold the beaten whites into the batter and scrape it over the apples; spread the batter to the edge.
- Bake the pancake in the upper third of the oven for about 20 minutes, until it is golden, puffed and set. Let the pancake cool for 5 minutes. Run a knife around the edge to loosen the pancake, then invert it onto a serving plate. Replace any apples that may have stuck to the pan. Cut the pancake into wedges and serve at once with the warmed maple syrup.
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Light and Fluffy Baked Apple Pancake Recipe at a Glance
- COURSE: Breakfast/Brunch, Cakes/Frostings
- PUBLICATION: Food & Wine
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SOURCE Research and Markets
DUBLIN, July 2, 2014 /PRNewswire/ -- Research and Markets (http://www.researchandmarkets.com/research/vtrqnl/internet_of) has announced the addition of the "Internet of Things (IoT) & Machine-To-Machine (M2M) Communication Market by Technologies & Platforms, M2M Connections & IoT Components - Worldwide Market Forecasts (2014 - 2019)" report to their offering.
The Internet of Things (IoT) and Machine-to-Machine (M2M) communication market consists of things/objects that are connected to the Internet that is, anything, anytime, anywhere. It consists of integrating sensors and devices into everyday objects that are connected to the internet over fixed and wireless networks.
The fact that the Internet is present at the same time everywhere makes mass adoption of this technology more feasible. Given their size and cost, the sensors can easily be integrated into homes, workplaces, and public places. In this process, any thing/object can be connected and can manifest itself over the Internet. In addition, in the IoT & M2M, any object can be a data source. The IoT & M2M is not a revolutionary or innovatory concept. IoT should be understood with an evolutionary perception, equivalent to the evolution on the networking technologies of present (Internet, service platforms, wireless).
The IoT and M2M communication research report outlines the key trends and market sizing and forecasting for emerging technologies in the IoT and M2M sector. The report also emphasizes key global adoption trends, future growth potential submarkets, key drivers, competitive outlook, restraints, opportunities, and IoT and M2M communications competitive landscape.
Some of the potential and emerging technologies and solutions for IoT and M2M communication include radio frequency identification (RFID), information & discovery service (IDS), cloud management, gateways, near field communication (NFC), supervisory control and data acquisition (SCADA), and zigbee. The adoption of advanced communication technologies in the entire value chain of IoT and M2M sector plays a great role in achieving the operational and efficiency targets set by IoT and M2M companies.
Key Topics Covered:
1 Introduction
2 Executive Summary
3 Market Overview
4 IOT And M2M Communication: Technology Trends, Standards And Projects
5 M2M Communication: Market Size, Analysis, And Forecast By M2M Network Connections, Sim Cards And Modules
6 IOT: Market Size, Analysis And Forecast By Components
7 IOT And M2M Communication: Market Size, Analysis, And Forecast By Applications
8 IOT And M2M Communication: Market Size, Analysis And Forecast By Regions
9 IOT & M2M Communication: Models, Approaches, And Consideration
10 IOT & M2M Communication: Competitive Landscape
11 Company Profile
Companies Mentioned:
For more information visit http://www.researchandmarkets.com/research/vtrqnl/internet_of
Media Contact: Laura Wood, +353-1-481-1716, email@example.com
©2012 PR Newswire. All Rights Reserved.


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Missouri National Recreational River works in partnership with a variety of agencies and organizations at the federal, state and local levels that offer a multitude of hiking possibilites. Check out the information and links below to discover where you can go to experience the river corridor on foot.
Gavins Point Dam area - US Army Corps of Engineers
Clay County Park
Ponca State Park
Niobrara State Park
Did You Know?
Missouri National Recreational River supports several threatened and endangered species, including the endangered pallid sturgeon and interior least tern, and the threatened piping plover and the recently delisted Bald Eagle. More...


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Questions about summer opportunities in geophysics
I'm in the process of narrowing down summer research opportunities that I will apply for this summer. I'm an undergrad physics major and I'm having a bit of trouble figuring out which programs I should be looking for. I'm interested in finding a position that will allow me to get some field experience along with the research. The problem is, these types of positions seem to be targeted more towards actual geology majors. While I would like to try some field work, I think I'd also be happy doing something more computational. I've found a couple of programs that specifically target majors other than geology/geophysics who are interested in the earth sciences, but they are definitely few and far between and tend to focus more on computational projects. I'm also wondering if I should consider applying to a geology field class. The problem here is that I will only have one introductory geology class under my belt by the time summer comes around, and from what I've read, these classes usually require 3 or 4 introductory classes to even apply.
I guess I didn't include any well defined questions but if anyone has some advice on programs/opportunities it would be greatly appreciated.
Re: Questions about summer opportunities in geophysics
Maybe you could get some help when this is moved to career guidance.
Re: Questions about summer opportunities in geophysics
Possibly. I was thinking that the people in the earth subforum would probably be the most knowledgeable though.
Re: Questions about summer opportunities in geophysics
Maybe send a personal message to Billiards.
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Pga Europro Tour Tournament is an event that takes place from Aug 18 - Aug 22, 2014 and may cause room availability issues or hotel rates to increase. Hotels near Princes Golf Club and hotels close to Sandwich are listed below. Search for cheap and discount hotel rates near the Pga Europro Tour Tournament Sandwich, United Kingdom for individual or group travel.
Pga Europro Tour Tournament Lodging Options
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Zscaler Looks to Buy Out Websense, Blue Coat Web Security Customers
Cloud security specialist Zscaler Inc. is getting aggressive in its growth strategy. It's been winning business and market share, but apparently the pace isn't fast enough. Now it's looking to buy the customers of its Web security rivals, Websense Inc. and Blue Coat Systems Inc..
Zscaler announced a special program this week in which it will buy out the Web security contracts of Websense and Blue Coat customers. The company isn't entirely clear on whether it's a true buyout, as its offering six months' free service of Web security plus mobile security and single sign-on to qualified customers that switch.
Partners of Zscaler are allowed to make the special offer to their customers, which will receive a credit for the promotion plus free migration services.
"Remote employees, cloud services and mobile users have exposed the appliance-based hub-and-spoke enterprise security architecture as ineffective; the cost of investing in MPLS, bandwidth and backhauling technology is no longer economically justified nor scalable," said Zscaler COO Lane Bess. "Zscaler has developed an alternative with its Direct-to-Cloud Network, which delivers the full features of a Secure Web Gateway through a globally-distributed cloud network, eliminating hardware and its associated complexity and overhead."
Buying out contracts and offering special promotions to competitors' customers is nothing new. What's different about the Zscaler offering is the attempt to displace conventional on-premises appliances with cloud-based Web security services.
This isn't an apples-to-oranges conversion. Websense has cloud service offerings that include data-loss prevention and Web content filtering that parallel its appliance solutions. Blue Coat is more of an appliance company, but its security solutions leverage cloud resources that augment the performance and effectiveness of its Web security.
The Zscaler offering isn't holistic. Its Web security and mobility services are homegrown, but the SSO services are provided by Ping, Okta and One Login. The add-on services are provided at no additional cost during the promotional period, which runs through Aug. 31.
Zscaler is trying to be as disruptive to the content and Web security segment as next-generation firewall vendor Palo Alto Networks has been to the stateful firewall arena. Competitive displacement programs often yield mixed results. It's difficult to say whether Zscaler partners or Websense and Blue Coat customers will drop everything to embrace this program. However, it will get some people's attention.
2 Responses to "Zscaler Looks to Buy Out Websense, Blue Coat Web Security Customers"
That means if they merge we will have more security available from those services.
This isn't a new promotion. They've done in the past several times against targeted vendors such as Blue Coat. Usually offering 6 months as a trial offer. Blue Coat has offered hybrid solutions and cloud solutions. They haven't been able to break out of the perception of being nothing more than an appliance company. Zscaler has been quite creative in the past regarding how widespread their cloud presence is for customers to make use of. Minimal hw in some countries has been touted as much as large amouonts of hw/storage.
Leave a Reply


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suamato's Video Channel
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I have been walking with the Lord for 20 years now and what an unbelievable blessing it has been. Iam the mother of three grown children and have been married 28 years. My ministry is to women, helping them to know Him more deeply, to hear His voice and to equip them to walk in His calling.
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Storm Water
General Information
The Hydrologic System
Septic Systems
Fat, Oil, and Grease (FOG)
Drainage Complaint Process
Ours To Protect Campaign
What is a rain garden?
A rain garden is an attractive catch basin for storm water runoff. Ranging greatly in size, rain gardens contain native plants that aid in the removal of contaminants, nutrients, and excess water. Removing these contaminants and excess water will help prevent flooding, slow the aging of water bodies, and assist in keeping waters clean.
Minimize Storm Water Runoff From Your Property
What do I need to create a rain garden?
A basin is created, ranging anywhere from 1-3 feet deep, that will absorb rain water within 48 hours. The basin should be partially filled with a composite of masonry sand, compost, and topsoil, all topped with mulch. A depression of 3 to 8 inches should be made into the surface of the basin to collect water. Native plants should be planted within the basin, and SOCWA has provided a list of native plant species appropriate for rain gardens. It is important to use native plants when constructing your gardens. For more information, see our native plant page.
How do I construct a rain garden?
The most important decisions in constructing a rain garden are where to build, what size, what composite of soil to use, and which plants to select.
The rain garden should be built at least 10 feet away from any structure, preferably in lower lying areas. It is best to establish the garden in a location where most of your runoff travels to during heavy rainfall.
Ideally the garden should collect all the runoff from your property. The size of the garden should be approximately 25% of the runoff surface area from which the water comes. For instance, if you are collecting water from your roof, the rain garden should be approximately 1/4 the size of your roof surface area. Define the boundaries of the garden with sod, stone, or brick to prevent erosion and help retain water.
Soil Composite
The best composite for a rain garden should contain 50-60% sand, 20-30% topsoil, and 20-30% compost. Heavily compacted soils need to be loosened up to a 2-foot depth. In poorly draining soils, shallower basins and a gravel underbed, tiles, and/or an underdrain are suggested. Keep the bottom of the basin flat, along with the top, in order to spread out the water and speed up absorption. Placing mulch on the surface of a rain garden will help to absorb and retain water as well.
As mentioned above, the plants chosen should be native to the area. Deep rooted plants are better for decomposing storm water pollutants. Having diverse plantings is better for survival, and encourages biodiversity.
** Image taken from the Southeastern Oakland County Water Authority publication "Rain Gardens for the Rouge River."
What maintenance is required with my rain garden?
Although little care is required after a garden is constructed, there are maintenance responsibilites required. Like with other gardens, weeding is suggested. Monitoring to ensure that drainage occurs within 48 hours after a heavy rainfall. Standing water is bad and encorages mosquito reproduction. In turn, this can have negative health repercussions. Mulch should be replaced or refreshed at least once a year.
Environmental Department Homepage
Engineering Department Homepage


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Lisa McKenna, Editor - Published December 2012 | Paperback
The 2013 North American Scrap Metals Directory is the most detailed directory for the scrap metal recycling industry. The directory contains the names, addresses, contact information and materials handled of companies dedicated to the collection, processing, exporting and brokering of all grades of scrap metal.
Updated each year by the Recycling Today Media Group, the North American Scrap Metals Directory is the most current directory to the scrap metals recycling industry.
Contact the Recycling Today Bookstore at 800.456.0707 for orders of six or more copies.
4020 Kinross Lakes Parkway, Ste 201
Richfield, Ohio 44286 USA


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Break up boring bookshelves and enliven your workspace with a monumental miniature. This metal wire sculpture was designed to mimic New York's Art Deco masterpiece, the Chrysler Building, with remarkable detail. Small yet iconic, this accent may even inspire some far-flung professional pursuits.
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Nov. 13 (Bloomberg) -- Iran will increase its capacity to produce gasoline by 16 million liters (4.2 million gallons) a day by the end of the Iranian calendar year ending March 20, the Oil Ministry's website Shana reported.
Three refinery developments will be completed by the end of March, Shana reported, citing Alireza Zeighami, the head of the National Iranian Oil Refining and Distribution Co. The Persian Gulf state produced 42 million liters a day in May, according to a report at the time by the state-run Press TV.
Iran, the second-largest oil producer in the Organization of Petroleum Exporting Countries, faces obstacles in developing its energy resources due to international sanctions over its nuclear program. The country says it is already making enough gasoline to meet domestic demand, with officials attributing this self-sufficiency to a decrease in local consumption following cuts in energy subsidies in December.
--Editors: Bruce Stanley, Shaji Mathew
To contact the reporter on this story: Nayla Razzouk in Dubai at firstname.lastname@example.com
To contact the editor responsible for this story: Bruce Stanley at firstname.lastname@example.com


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Ambient Acoustics AM4 Pro
his is the top model of individual stage ear monitors lab Ambient-Acoustics! This model was designed for the most accurate study of the entire frequency range! Three-band crossover was set up so that this model has a neutral (monitor) audio feed! There is no bright dominance of a particular frequency band. However, it can not be called "disembodied" or "boring"! Qualitative...
Panasonic RJE335
Panasonic RJE335 Specification 10.7mm drivers Frequency Response: 6Hz to 24kHz Sensitivity: 105dB/mW Impedance: 16 ohm Power handling: 200mW Connector: 3.5mm jack Cord length: 1.2metres
Panasonic RP-HC50 Noise-Canceling Earbuds
Panasonic's vision of the digital future is driven by the needs and aspirations of its business customers and millions of consumers around the world who use Panasonic's products every day. The company shares its dream to live a fuller life by providing ways of working smarter and enjoying the rewards of technological advances.Panasonic's affordable noise-canceling headphones will...
Panasonic RP-HC55 Noise Canceling Earbuds Headphones
Features: * Noise canceling feature reduces outside noises up to -18dB @ 200Hz * Frequency response: 20Hz-20kHz * 9mm drivers * Neodymium magnets * Built-in switch allows listener to turn noise canceling feature on / off * Cord holder for tangle-free storage * Includes airplane adapter and carrying case
Panasonic RP-HJE100-W Noise Isolation In-Ear Earphones (White)
Noise Isolation In-Ear Earphones / Tangle Free Cord Slider / Neodimium Magnet
Panasonic RP-HJE120-K In-Ear Earbud Ergo-Fit Headphone (Black)
"After losing a piece from my Vsonic VC-02's I decided to get something really cheap for now. These cost $7.18 on Amazon. Bass response is better than anything I've heard in this class. It's actually almost overwhelming at the low end; this is the first time I can remember EQ'ing bass down for an IEM, especially a cheap one. Isolation is surprisingly good. Highs are a little lacking, and maybe..." --immersz
Panasonic rp hje 130
There is an old saying that says everything is all about presentation, and these new RP-HJE 130 earbuds from Panasonic definitely follow that very well. As far as the earbuds themselves go, they are your standard pair of earbuds for listening to your favorite tunes and probably work very well. The real attraction here though is in the packaging. With these earbuds packaged up to look like a...
Panasonic RP-HJE160-K ErgoFit In-Ear Earbud (Black)
Ergofit Design Earphones For Ultimate Comfort And Fit / Neodimium Magnet / Tangle Free Cord Slider / 3 Size Soft Ear Cap Sets
Panasonic RP-HJE240-R1 Noise Isolation In-Ear Earphones (Red)
Noise Isolating In-Ear Headphone / Neodimium Magnet / Gold Plated Plug / 6hz-23khz / 3 Size Soft Ear Cap Sets
Panasonic RP-HJE270-V In-Ear Earbud Ergo-Fit Design Headphone (Violet)
Panasonic RP-HJE270-V Earphone - Stereo RP-HJE270-V Headphones & Earphones


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Elite Marketing Pro Review – Is Elite Marketing Pro really an elite marketing system?
If you've been around internet marketing or network marketing for some time you've come across Magnetic Sponsoring, Mike Dillard and Tim Erway. If you don't know who these guys are or what magnetic sponsoring is you can check out my post Magnetic Sponsoring review.
Check out Elite Marketing Pro Here
Game Changers
Magnetic Sponsoring was a game changer that helped numerous internet entrepreneurs and network marketers achieve huge successes. And the guys at Magnetic Sponsoring just may have done it again with Elite Marketing Pro!
It seems that Tim Erway and his team at magnetic sponsoring are doing everything in their power to make you as successful as possible. How? They're doing literally 99% of the work for you and basically handing you a business in a box. I know we've all heard the "business in a box" hype before but if you stick with me you'll understand that this may just be more than hype!
Elite Marketing Pro Overview
• 100% commissions on all Magnetic Sponsoring products.
• Build your own list using the full suite of Magnetic Sponsoring capture pages (along with customizable capture pages)
• Multiple streams of Residual income
• Build "YOUR" brand – name and website in all Magnetic Sponsoring products sold through your funnels
• Follow up – email, phone, mail to close sales for "YOU"
It's all in the Follow up
Did you see the last bullet point? Do you get how powerful that is? Basically the creators of the original online system of attraction marketing will follow up for you! With Elite Marketing Pro you not only get 100% commissions, co-branding and multiple streams of income. You also get a full sales team calling and mailing to your list and converting sales for you! Your only job is to drive traffic to your own sales funnels. Don't know how to drive traffic? Elite Marketing Pro has training and support to help you every step of the way. It seems they have done everything in their power to help you NOT to fail!
Don't believe the HYPE?
We've all read the hype of "push button" instant millionaire programs and systems where all you have to do is pull out your credit card and you'll wake up the next day with a fatter bank account. So before you brush off Elite Marketing Pro as the next all HYPE system, if you haven't already, watch the video above as I do a quick Elite Marketing Pro review.
Ready to get started? Click here to join Elite Marketing Pro Now
To Your Success,
P.S. Did you see all the bonuses I'm giving away for joining Elite Marketing Pro? Check them out here: Elite Marketing Pro Bonuses
12 Responses to "Elite Marketing Pro Review"
This is something I'm definitely looking to use as an alternative to coaching. So many of my prospects could benefit from this.
Sounds like an awesome program. I like the followup the offer. Can't wait to use the system.
So far I am extremely impressed with the quality of the content and everyone involved… Highly recommend this product to anyone, regardless of Online Marketing experience and background… Great Review as well
Will this work for empower network?
I am an independent distributor with Forever Living products and very interested in this product. Can I use the Elite Marketing Pro for my Forever business and any other MLM or is it meant to be a standalone business on its own? I am new to this and still wondering if it can help me with my Forever Business.
hi Eddy…great review on ELP! Im also part of this great opportunity and very excited that many of the top internet marketers in the industry are promoting elite marketing pro. So many companies now offering 100% commissions…but no one has been around longer and more successful then Mike Dillard and his team at magnetic sponsoring. All the best to you and your team!
- Elite Marketing Pro – Click the Easy button | OnlineVeteranSpot - [...] about Magnetic Sponsoring and Elite Marketing Pro we welcome you to venture to our website http://mlmwealthstrategy.com/elite-marketing-pro. If you'd like …


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Definition of illustrate in English:
illustrateLine breaks: il¦lus|trate
Pronunciation: /ˈɪləstreɪt /
1 [with object] Provide (a book, newspaper, etc.) with pictures: the guide is illustrated with full-colour photographs
More example sentences
- To illustrate the Book of Ruth, Merian chose to represent Boaz and Ruth at the threshing floor.
- Photographic picture books, illustrating New York and other subjects, proliferated; a number of these featured the work of the new documentary photographers.
- John Hodgkiss edited the diverse selection of reportage and portrait photographs illustrating the book.
decorate, adorn, ornament, embellish, accompany; add pictures/drawings/sketches to, provide artwork forpictorial; decorated, adorned, ornamented, embellished
1.1Explain or make (something) clear by using examples, charts, pictures, etc. the results are illustrated in Figure 7
More example sentences
- When Touch of Evil was first announced, a documentary explaining and illustrating the changes that resulted from Welles' memo was to have been included with the DVD.
- One or two things seem to me underplayed (the great baroque invention of the Duet, for example), but thought has gone into explaining and illustrating most genres.
- So let's look at another example as we explain and illustrate the general method.
explain, elucidate, clarify, make clear, make plain, demonstrate, point up, show, bring home, emphasize, interpret; describe, sum up, summarize, gloss
informal get across, get over
2Serve as an example of: the World Cup illustrated what high standards our players must achieve
More example sentences
- One example will serve to illustrate how comprehensive and penetrating his discernment is.
- Three examples can serve to illustrate how a choice of ruler was made and the thinking behind the resources made available to him.
- Clearly, this is a grossly simplified example but it serves to illustrate how such a solution is very open to sabotage.
exemplify, show, demonstrate, display, instance, encapsulate, represent
rare instantiate
early 16th century (in the sense 'illuminate, shed light on'): from Latin illustrat- 'lit up', from the verb illustrare, from in- 'upon' + lustrare 'illuminate'.
Definition of illustrate in:
- The US English dictionary
- The English Synonyms
- The US English Synonyms
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Word of the day dinkum
Pronunciation: ˈdɪŋkəm
(of an article or person) genuine, honest, true


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Symbol Sequence and Pattern Practice
By LearningExpress Editors
Updated on Aug 10, 2011
This set contains sequence questions that use a series of nonverbal, nonnumber symbols. Look carefully at the sequence of symbols to find the pattern.
- b. Look at each segment. In the first segment, the arrows are both pointing to the right. In the second segment, the first arrow is up and the second is down. The third segment repeats the first segment. In the fourth segment, the arrows are up and then down. Because this is an alternating series, the two arrows pointing right will be repeated, so option b is the only possible choice.
- b. Notice that in each segment, the figures are all the same shape, but the one in the middle is larger than the two on either side. Also, notice that one of the figures is shaded and that this shading alternates first right and then left. To continue this pattern in the third segment, you will look for a square. Choice b is correct because this choice will put the large square between the two smaller squares, with the shading on the right.
- c. This is an alternating series. In the first segment, the letter "E" faces right, then down, then right. In the second segment, the letters all face down. To follow this pattern, in the fourth segment, the letters must all face up.
- c. In this series, the shaded part inside the circle gets larger and then smaller.
- d. Look for opposites in this series of figures. The first and second segments are opposites of each other. The same is true for the third and fourth segments.
- a. Look carefully at the number of dots in each domino. The first segment goes from five to three to one. The second segment goes from one to three to five. The third segment repeats the first segment.
- c. All four segments use the same figures: two squares, one circle, and one triangle. In the first segment, the squares are on the outside of the circle and triangle. In the second segment, the squares are below the other two. In the third segment, the squares on are the inside. In the fourth segment, the squares are above the triangle and circle.
- a. Look at each segment. You will notice that in each, the figure on the right and the figure on the left are the same; the figure in between is different. To continue this pattern in the last segment, the diamond on the left will be repeated on the right. Choice a is the only possible answer.
- b. Each arrow in this continuing series moves a few degrees in a clockwise direction. Think of these arrows as the big hand on a clock. The first arrow is at noon. The last arrow before the blank would be 12:40. Choice b, the correct answer, is at 12:45.
- c. Study the pattern carefully. In the first segment, two letters face right and the next two face left. The first letter in the second segment repeats the last letter of the previous segment. The same is true for the third segment. But the forth segment changes again; it is the opposite of the first segment, so the last two letters must face right.
- d. This sequence concerns the number of sides on each figure. In the first segment, the three figures have one side, and then two sides, and then three sides. In the second segment, the number of sides increases and then decreases. In the third segment, the number of sides continues to decrease.
- a. In this series, the figures increase the amount of shading by one-fourth and, once a square is completely shaded, starts over with an unshaded square. In the second segment, you will notice that the figure goes from completely shaded to completely unshaded. This is why choice a is the correct choice.
- d. This is an alternating series. The first and third segments are repeated. The second segment is simply upside down.
- d. In each of the segments, the figures alternate between one-half and one-fourth shaded.
From 501 Challenging Logic & Reasoning Problems. Copyright © 2006 by LearningExpress, LLC. All Rights Reserved.
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Q: What do you think about being part of transforming ABC's daytime lineup as a "cast" member of "The Revolution"?
I think it really speaks to the fact that the viewer is evolving. They don't just want pure entertainment; they want information, and they want to improve their lives and the lives of their families. And ABC is really responding to that change.
Q: How different is your schedule, now that you have to be available at midday for "The Revolution"?
A: I was pretty fortunate before with how flexible my schedule was. Even when I was on (CBS') "The Early Show" every day, I was finished by 9 in the morning ... so on days when I wasn't seeing patients, I had a really good amount of free time to work out or do errands or do things for my kids.
Q: Did the timing of the offer to do "The Revolution" dovetail well for you with the changes that CBS was making to its morning program?
A: I was contacted regularly by many different production companies who were considering launching shows, and I didn't take those offers too seriously. In television, there's a long path between the initial phone call and when something actually makes it (onto the air).
Pablo Schreiber of 'A Gifted Man' on CBS
Q: What actors do you admire?
A: Robert Duvall was the first actor I latched onto and decided was great and obviously still love him. Daniel Day-Lewis, and he remains my favorite to this day.
Q: Have you met him?
A: No, and I almost don't want to. I like a mystique about who he is.
Q: What are your hobbies?
A: I am an avid gardener. I have a place in the Catskills, 20 acres and a garden.
Q: What do you grow?
A: I grow trees. With permaculture, the idea is of setting up sustainable agriculture, setting up food forests. The more mature a landscape is, the more food it produces. Use cover crops to mulch and keep weeds down and refertilize the soil rather than bringing on outside fertilizer.
Q: What are some of your goals?
A: Writing and directing are eventual, long-term goals. I love being an actor and that part of storytelling and becoming more involved in telling my own stories. And then, of course, being a good parent.


text:
Quotes & Info
|RBPAA > SEC Filings for RBPAA > Form 10-Q on 14-Aug-2013
|All Recent SEC Filings
Quarterly Report
The following discussion and analysis is intended to assist in understanding and evaluating the changes in the financial condition and earnings performance of the Company and its subsidiaries for the three and six month periods ended June 30, 2013 and 2012. This discussion and analysis should be read in conjunction with the Company's consolidated financial statements and notes thereto for the year ended December 31, 2012, included in the Company's Form 10-K for the year ended December 31, 2012.
From time to time, Royal Bancshares of Pennsylvania, Inc. (the "Company") may include forward-looking statements relating to such matters as anticipated financial performance, business prospects, technological developments, new products, research and development activities and similar matters in this and other filings with the Securities and Exchange Commission. The Private Securities Litigation Reform Act of 1995 provides a safe harbor for forward-looking statements. When we use words such as "believes," "expects," "anticipates" or similar expressions, we are making forward-looking statements. In order to comply with the terms of the safe harbor, the Company notes that a variety of factors could cause the Company's actual results and experience to differ materially from the anticipated results or other expectations expressed in the Company's forward-looking statements. The risks and uncertainties that may affect the operations, performance development and results of the Company's business include the following: general economic conditions, including their impact on capital expenditures; interest rate fluctuations; business conditions in the banking industry; the regulatory environment: the nature, extent, and timing of governmental actions and reforms, including the rules of participation for the Troubled Asset Relief Program voluntary Capital Purchase Plan under the Emergency Economic Stabilization Act of 2008, which may be changed unilaterally and retroactively by legislative or regulatory actions; rapidly changing technology and evolving banking industry standards; competitive factors, including increased competition with community, regional and national financial institutions; new service and product offerings by competitors and price pressures and similar items.
All forward-looking statements contained in this report are based on information available as of the date of this report. These statements speak only as of the date of this report, even if subsequently made available by the Company on its website, or otherwise. The Company expressly disclaims any obligation to update any forward-looking statement to reflect future statements to reflect future events or developments.
The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and general practices within the financial services industry. Applications of the principles in the Company's preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and the accompanying notes. These estimates and assumptions are based on information available as of the date of the consolidated financial statements; therefore, actual results could differ from those estimates.
Note 1 to the Company's consolidated financial statements (included in Item 8 of
the Form 10-K for the year ended December 31, 2012) lists significant accounting policies used in the development and presentation of the Company's consolidated financial statements. The following discussion and analysis, the significant accounting policies, and other financial statement disclosures identify and address key variables and other quantitative and qualitative factors that are necessary for an understanding and evaluation of the Company and its results of operations. We complete an internal review of this financial information. This review requires substantive judgment and estimation. As disclosed in our Annual Report on Form 10-K for the fiscal year ended December 31, 2012, we have identified other-than-temporary impairment on investment securities, accounting for allowance for loan and lease losses, deferred tax assets, loans held for sale, the valuation of other real estate owned, net periodic pension costs and the pension benefit obligation as among the most critical accounting policies and estimates. These critical accounting policies and estimates are important to the presentation of the Company's financial condition and results of operations, and they require difficult, subjective or complex judgments as a result of the need to make estimates.
On June 29, 1995, pursuant to the plan of reorganization approved by the shareholders of Royal Bank America, formerly Royal Bank of Pennsylvania ("Royal Bank"), all of the outstanding shares of common stock of Royal Bank were acquired by Royal Bancshares and were exchanged on a one-for-one basis for common stock of Royal Bancshares. The principal activities of the Company are supervising Royal Bank, which engages in a general banking business principally in Montgomery, Chester, Bucks, Philadelphia and Berks counties in Pennsylvania and in northern and southern New Jersey and Delaware. The Company also has a wholly owned non-bank subsidiary, Royal Investments of Delaware, Inc., which is engaged in investment activities.
The chief sources of revenue for the Company are interest income from extending loans and from investing in security instruments, mostly through its subsidiary Royal Bank. Royal Bank principally generates commercial real estate loans primarily secured by first mortgage liens, construction loans for commercial real estate projects and residential home development, land development loans, tax liens and leases. At June 30, 2013, commercial real estate loans, commercial and industrial loans, leases, and construction and land development loans comprised 49%, 18%, 10%, and 9%, respectively, of Royal Bank's loan portfolio. Construction loans and land development loans can have more risk associated with them, especially when a weakened economy, such as we have experienced the past few years, adversely impacts the commercial rental or home sales market. Net earnings of the Company are largely dependent on taking in deposits at competitive market rates, and then redeploying those deposited funds into loans and investments in securities at rates higher than those paid to the depositors to earn an interest rate spread. Refer to the "Net Interest Income and Net Interest Margin" section in Management's Discussion and Analysis of Financial Condition and Results of Operation below for additional information on interest yield and cost.
Like many other financial institutions the Company's financial results were negatively impacted by the recession, but the effects on the Company were more pronounced than the effects on its competitors. The concentration of commercial real estate loans coupled with the introduction of additional lines of business resulted in a much higher level of non-performing loans and losses. The past losses were partially attributed to charge-offs and impairment of commercial, construction and land loans associated with real estate projects, many of which were participation loans outside the Company's primary market. Some of the participation loans were located in Florida, Nevada, North Carolina and other markets that were overbuilt during the construction boom within the United States from 2000-2007. The Company also launched new business initiatives such as mezzanine lending, real estate joint ventures, hard money lending and equity investments in real estate shortly before the housing bubble burst which contributed to the losses. Additionally, the Company experienced a high level of investment impairment associated with corporate bonds, common stocks, private label mortgage backed securities and real estate investment funds that experienced declines in value during the past few years. Also contributing to the losses were increased costs associated with the high level of non-performing assets, legal expenses related to credit quality issues and the U. S. Department of Justice ("DOJ") tax lien investigation (for additional information refer to Item 1 "Legal Proceedings" under Part II "Other Information" of this Form 10-Q), and higher Federal Deposit Insurance Corporation ("FDIC") assessments resulting from the higher rates for deposit insurance due to the Orders to Cease and Desist (the "Orders") which were issued in 2009 and replaced in 2011 with an informal agreement, known as a memorandum of understanding ("MOU"). Finally, the establishment of a valuation allowance in 2008 and subsequent years that currently amounts to $39.6 million, has prevented the Company from utilizing tax credits on losses during the past five years.
While the Company's deleveraging strategy improved the risk profile of the
Company by shedding higher risk assets and paying off higher cost brokered CDs,
it has had a negative impact on income. The deleveraging has resulted in lower
average loan balances and a higher proportion of lower yielding investment
securities, which have negatively impacted net interest income, a principal
source of income. While the Company still expects external headwinds and credit
quality costs associated with non-performing assets to negatively affect
financial results, over time their impact may decline as the overall level of
non-performing assets declines.
The Company has developed a management Profitability Improvement Plan (the "Plan") to generate steady revenue growth, expense management and gain operational efficiencies. Specific initiatives of the Plan effectuated in the first two quarters of 2013 focused on adjustments to personnel of the Company and discretionary expenses. These efforts, which included a 9% reduction in workforce during the first quarter of 2013 and an annualized reduction of approximately 10% of discretionary expenses, were implemented and enhanced day-to-day operations and the ability of the Company to drive new revenue. The Company has reorganized and relocated certain personnel to improve departmental synergies and better align managers and staff so they can work together in cohesive teams to accomplish these objectives. Additionally, the Company is currently developing a facilities rationalization plan as part of the overall strategic goal to return to profitability. During the first quarter of 2013, the Company sold its storage facility site in Philadelphia and a building in Narberth that housed the training center. The Company recorded gains of $676,000 as a result of these sales. In January 2013, Royal Bank consolidated the leased Henderson Road office between the King of Prussia and Bridgeport offices and retained over 90% of the deposits. Additionally, in April 2013, to achieve operational efficiencies, the tax lien subsidiaries relocated from their leased office space in Jenkintown, Pennsylvania to the corporate location in Narberth. As a result of the reduction in workforce and the vacating of leased real estate, the Company recorded $111,000 in restructuring charges directly related to one-time employee termination benefits and an effective termination of a lease. During the third quarter of 2013, the Company will consolidate the 15th Street branch office into the Walnut Street branch office, which are both located in Center City Philadelphia. The Company continues to review its retail footprint and will explore additional branch office relocations, consolidations or both. The Company also is implementing a unique opportunity to reduce employee expenses as certain individuals will become employees of a local company who in turn will provide servicing of the remaining tax lien and non-performing assets portfolios. Those portfolios continue to diminish per the Company's strategic plan. This outsourcing arrangement allows the Company to focus on the expansion of its core banking products while de-emphasizing legacy non-core activities such as tax liens. The Company has targeted to have the Plan fully implemented by the end of 2013. Through the reorganizing of the Lending and Credit departments during the last half of 2012, Royal Bank was able to increase loans held for investment ("LHFI") $23.7 million from $344.2 million at December 31, 2012 to $367.9 million at June 30, 2013. All of these plans are focused on repositioning the Company for 2013 and beyond.
During the second quarter of 2013, the Company was able to resolve the
uncertainties around two separate legal matters. In June 2013, Lehman Brothers
Special Financing voluntarily dismissed without prejudice and without costs all
claims against the Company related to a $25.0 million CDO transaction.
Additionally, the Company accrued a loss contingency of $1.65 million as a reasonable estimate for a potential settlement with the plaintiffs of a class action lawsuit regarding the tax lien subsidiaries. (For additional information refer to Item 1 "Legal Proceedings" under Part II "Other Information" of this Form 10-Q). As mentioned previously the legal expenses associated with the DOJ investigation and these two matters have been significant and negatively impacted earnings. As a result of these legal proceedings being finalized or coming to a conclusion soon, the Company anticipates legal expenses to decline.
The Company recorded a net loss of $803,000 for the second quarter of 2013
compared to a net loss of $2.0 million for the comparable quarter of 2012.
Contributing to the net loss was a $1.65 million loss contingency accrual for a settlement of the class action lawsuit related to the Company's tax lien subsidiaries. After adjusting for the noncontrolling interest, the Company's 60% share of the loss contingency amounts to $990,000. (For additional information on the DOJ matter, see Item 1 "Legal Proceedings" of this Form 10-Q.) Absent the loss contingency accrual the Company would have recorded net income of $187,000 for the quarter ended June 30, 2013. The quarter over quarter improvement was mainly related to a $1.7 million decline in provision for loan and lease losses due to the improving credit quality of the loan portfolio, a $943,000 decrease in credit related expenses and an $859,000 decline in other-than-temporary impairment on investment securities. In addition employee salaries and benefits and professional and legal fees declined $505,000 and $498,000, respectively, quarter over quarter. Partially offsetting these positive items was a $2.0 million reduction in gains on the sales of loans and leases and a $960,000 decline in net interest income quarter over quarter.
Although the level of non-performing assets has declined it continues to negatively impact net interest income as well as operating expenses, such as legal, loan collection and OREO costs, and therefore the overall level of profitability. The Company has been able to mitigate part of the impact of the nonperforming assets by reducing funding costs through the re-pricing of retail CDs and the paying down and re-pricing of FHLB advances. Impaired and non-accrual loans are reviewed in the "Credit Risk Management" section of this report. Loss per share for basic and diluted were both $0.10 for the second quarter of 2013, as compared to basic and diluted loss per share of $0.19 for the same quarter of 2012.
For the six months ended June 30, 2013, the net loss amounted to $685,000 compared to a net loss of $2.8 million for the comparable period of 2012. Contributing to the net loss was a $1.65 million loss contingency accrual as mentioned previously. After adjusting for the noncontrolling interest, the Company's 60% share of the loss contingency amounts to $990,000. Absent the loss contingency accrual the Company would have recorded net income of $305,000 for the six months ended June 30, 2013. The year over year improvement was due to a $2.0 million decrease in provision for loan and lease losses as a result of the improvement in the credit quality of the loan portfolio, a $1.1 million reduction in credit related expenses, an $859,000 decline in other-than-temporary impairment on investment securities and $678,000 in gains primarily on the sales of two premises. In addition gains on the sale of OREO increased $463,000 while professional and legal fees and employee salaries and benefits declined $842,000 and $600,000, respectively. Partially offsetting these improvements were a $2.2 million reduction in net interest income and a $2.0 million decrease in gains on the sales of loans and leases. In 2012, the Company recorded a $2.0 million accrual for a DOJ fine related to the tax lien subsidiaries. After adjusting for the noncontrolling interest, the Company's 60% share of the DOJ fine amounted to $1.2 million. As previously noted, while the level of non-performing assets has declined it continues to negatively impact net interest income as well as operating expenses, such as legal, loan collection and OREO costs, and therefore the overall level of profitability. Impaired and non-accrual loans are reviewed in the "Credit Risk Management" section of this report. Basic and diluted loss per share were both $0.13 for the first six months of 2013, while basic and diluted loss per share were both $0.29 for the first six months of 2012.
Interest Income
For the second quarter of 2013, total interest income of $6.7 million declined $1.7 million, or 19.9%, from the comparable quarter of 2012. The decrease was driven by a decline in average loan and investment balances quarter over quarter coupled with a decline in the yield on loans and investments. Average interest-earning assets of $685.2 million in the current quarter declined $77.0 million, or 10.1%, from $762.2 million in the comparable quarter of 2012, which was primarily attributed to a decline in loans and investments. Average loan balances of $363.2 million in the second quarter of 2013 decreased $37.4 million, or 9.3%, year over year and negatively impacted interest income by $1.2 million of which $683,000 is directly related to the tax lien portfolio. The decline in loan balances was attributed to loan prepayments, loan pay downs including $16.1 million in higher yielding tax lien certificates and transfers to OREO. Average investment securities of $307.2 million during the second quarter of 2013 decreased $32.3 million, or 9.5%, from the second quarter of 2012 primarily due to incoming cash flows on the Company's government agency mortgage-backed ("MBS") and collateralized mortgage obligation ("CMO") investment securities. Average cash equivalents for the three months ended June 30, 2013 of $14.8 million declined $7.4 million, or 33.3%. The decline resulted from funding new loan originations and improved funding options relative to the comparable period of 2012.
For the second quarter of 2013, the yield on average interest-earning assets of
3.95% decreased 48 basis points from the level recorded during the comparable
quarter of 2012. The yield reduction was comprised of a 67 basis point decline
for loans (6.01% in 2013 versus 6.68% in 2012) and a 40 basis point reduction
for investments (1.69% in 2013 versus 2.09% in 2012) quarter over quarter. The
decrease in loan yields reflects the $16.1 million, or 43.0%, decline in higher
yielding tax liens quarter versus quarter and lower rates on new loan
originations. The decline in the investment yield was due to the replacement of
sold and called higher yielding investment securities with lower yielding
government agency securities and the accelerated amortization of premiums due to
prepayments of MBS and CMO securities due to mortgage re-financings.
The yield on average interest-earning assets for the six months ended June 30, 2013 of 3.91% declined by 58 basis points from 4.49% for the comparable period of 2012. The yield reduction was comprised of a year over year decrease of 61 basis points in the investment yield (1.61% in 2013 versus 2.22% in 2012) and a 45 basis point reduction in the yield on the loan portfolio (6.14% in 2013 versus 6.59% in 2012 ). The decrease in investment yield was due to the replacement of sold and called higher yielding investment securities with lower yielding government agency securities. Additionally the investment yield was negatively impacted by the accelerated amortization of premiums due to prepayments of MBS and CMO securities. The decrease in loan yields reflects the $18.9 million, or 45.0%, decline in higher yielding tax liens year over year and lower rates on new loan originations.
Interest Expense
For the second quarter of 2013, total interest expense of $1.8 million declined $720,000, or 28.6%, from the comparable quarter of 2012. The reduction in interest expense was mainly associated with both lower balances of interest-bearing liabilities as well as a decline in the interest rates paid on those liabilities. Average interest-bearing liabilities for the second quarter of 2013 were $598.4 million decreasing $81.9 million, or 12.0%, from the comparable quarter of 2012. The reduction was primarily due to maturing CDs and the payoff of maturing FHLB advances. Average time deposits declined $41.8 million, or 15.1%, from the second quarter of 2012 to $235.5 million for the second quarter of 2013, principally due to the intentional runoff of higher priced retail CDs. Additionally, average NOW and money market deposits decreased $19.2 million, or 8.3%, quarter over quarter. Average borrowings declined $22.0 million, or 14.1%, from $156.0 million to $134.0 million quarter over quarter.
The yield on average interest-bearing liabilities was 1.20% for the second quarter of 2013 down 28 basis points from 1.48% for the comparable quarter of 2012 as all interest-bearing liabilities experienced interest rate declines year over year. The average interest rate paid on average interest-bearing deposits for the second quarter of 2013 was 0.87% resulting in a decline of 34 basis points from the level of 1.21% during the comparable quarter of 2012. The average interest rate paid on CDs during the second quarter of 2013 was 1.43%, which declined 23 basis points, year over year, due to lower interest rates on new accounts and the maturities re-pricing at lower interest rates. The yield on average NOW and money market deposits of 0.29% declined quarter over quarter by 43 basis points due to lower market interest rates. The average interest rate paid on borrowings during the second quarter of 2013 was 2.37% resulting in a decline of 6 basis points year over year due to the re-pricing of FHLB advances. During the second quarter of 2013 a maturing $50.0 million FHLB advance with a rate of 2.64% was replaced with four separate FHLB advances and short-term borrowings which carry an average yield of 1.13%. This re-pricing opportunity will enhance the margin in future quarters.
For the six months ended June 30, 2013, total interest expense of $3.8 million
decreased $1.6 million, or 29.1%, from the comparable period in 2012. The
decline in interest expense for the first half of 2013 was due to an $80.7
million, or 11.7%, decline in average interest-bearing liabilities relative to
the comparable six month period of 2012 and a 31 basis point decline in the
interest rates paid on interest-bearing liabilities year over year. For the
first half of 2013, average interest-bearing deposits of $474.0 million
decreased $50.8 million, or 9.7%, year over year. The reduction was mainly
associated with the intentional runoff of higher priced retail CDs. Average time
deposits amounted to $240.4 million during the first six months of 2013, which
resulted in a decline of $39.4 million, or 14.1%, from the level during the
comparable period in 2012. Average borrowings of $134.0 million for the first
six months of 2013 declined $30.0 million, or 18.3%, from the first six months
of 2012 due to the redemption or re-pricing of higher rate FHLB advances.
. . .