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Madge & Lourdes face Third Lip
In fairness to Madonna, she's got a decade on Nicole Kidman. Still…the sight of these two on the same carpet last night at the New York premiere of Nine must have been a plastic surgeon's erection.
But Granny Kidman doesn't f-ck around with her face. That's what she tells magazines. And a movie star never lies. But a Third Lip loves tv time. Third Lip was featured on Larry King Live and on New York morning tv yesterday. As prominent as it is however, Third Lip was nothing compared to Madonna's strange … bloated face?
I can't describe it. But to me she looks puffy. Flawless in a way, sure, but puffy. And very warm under what appears to be a heavy winter coat of makeup.
Madge arrived with Jessica Seinfeld and the Lola. The Lola is Arrived. It's officially the era of Lourdes Leon.
PS. Granny's black dress last night was my favourite.
Photos from Wenn.com and Janet Mayer/Splashnewsonline.com

subset: commoncrawl


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hello guys,
i need to give a seminar on some upcoming technology or research topic with some kind of implementaion too. can u guys plz suggest some.
thanx in advance
If you give some background as to your company and its 'image'?
Then, if you can expand on where their expertise lies?
And what the reasoning behind the request for you to give said seminar?
Then, I think that you will have answered your own question.....................
55 - I'm fiftyfeckinfive and STILL no wiser,
OLDER yes
Beware of Geeks bearing GIF's
come and waste the day :P at The Taz Zone
I would create a power point presentation, this will allow you to show slides of examples of what your talking about. this will help your audience get a better grasp on what your talking about.
guys i need some topic for my collge seminar
Ok, So your a student, and you want AO to 'supply' you with ideas for your treatise / seminar.
At least you haven't asked for someone to write the thing out for you..........
So; a quick revisit to my earlier post:
If you give some background as to your course ? and its duration ? and when you expect to graduate ? and what you want to do for a career ?
Then, if you can expand on where the course crosses into the IT world ? And also into the 'real' world
And the reasoning behind the request for YOU to give said seminar?
or is it something that every one in your class has to do ?
If so, didn't you get a list of subjects from the tutor ?
Now; instead of coming back and whining that there are no suggestions here for you, maybe you could do SOME work, and answer the questions posed.................
As stated, I believe that if you post answers to these questions, that the answer you are looking for would be apparent.
Or then again, maybe not...................
But until you respond; we'll never know.
Forum Rules


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TN: After Canceling Ceremony For Gay Vet Couple, Wedding Venue Changes Anti-Gay Policy
Though the Kentucky print shop that refuses service to gay people has doubled-down on its discrimination, good news comes out of Tennessee, where the wedding venue we reported about on Monday has reversed its anti-LGBT policy.
After word that Mint Springs Farm had canceled a ceremony once the venue's owners learned the service was for a gay couple made international headlines, a change of heart took place.
According to a statement obtained by the Tennessee Equality Project:
"As owners of Mint Springs farm we have had time to regroup and reflect. We have reached out to the community and started a dialogue with Tennessee Equality Project. The Executive Director, Chris Sanders was able to meet with us. In order to move forward we have decided to change our policy. We will offer commitment ceremonies for any future couples that have a legal license from other states or countries. We also want to broaden this offer to include couples who simply want a commitment ceremony with no intention of obtaining legal marriage license. This will be our policy moving forward, it will remain true to all future prospective clients."
Good work, TEP! Have time for a drive to Kentucky this afternoon?


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Mock crime will lead to mock trial at WestBy MARK HAYWARD
New Hampshire Union Leader
April 16. 2013 11:07PM
Police lights were flashing and yellow crime tape was ubiquitous at West High School Monday, when a veteran social studies teacher was found with a bullet hole in his forehead.
In reality, teacher Steve Houle remains alive, but his staged execution-style murder will capture the energies of about 100 students over the next three weeks, who will try to use everything from crime scene investigation-type forensic techniques to a mock trial to determine who did him in.
The effort involves:
. Criminal-justice students, who gathered evidence at the scene Monday and will try to put the pieces together and arrest a suspect.
. Bio-technology students, who will test DNA representative samples of the evidence gathered at the crime scene.
. Acting students, who will play the roles of witnesses and murder suspects.
. Art students, who will draw artist renderings of suspects, based on witness statements.
. English class, which will publish newspaper accounts about the crime and investigation.
. Video production class, which will produce newscasts and a crime-show drama.
. Law class, whose members will prosecute, defend and judge a suspect.
"For my students, it's all about taking the learning out of the classroom," Tina Mulleavey, a social-studies teacher who teaches the senior elective crime and justice at West and coordinated the effort. "They get to see what it's really like, a real hands-on example of what we teach."
Both Manchester police officers and firefighters took part in the event.
Houle was found sprawled on an office chair in Room 122, which is usually used as a detention room. A school produced video, available at west.mansd.org, shows the seemingly lifeless victim with a mangled front skull and blood splatter on the behind him.
The video showed street drugs that were found on the table next to him.
Students will have to gather evidence, analyze it, question suspects and build a case. The mock trial won't take place until early May.
"You just don't solve the crime overnight," Mullheavey said.
Also participating were Manchester police officers and firefighters, AMR Ambulance and the New Hampshire Medical Examiner's Office.
Capt. Nick Willard, who heads up the Manchester police detectives, took part in the morning's events.
Willard expects the class will learn a great deal about crime scene investigations, as well as career options in the field of crime fighting.
"She's teaching them real-life, crime techniques," Willard said.
Mullheavey said students were notified last week that a drill would be taking place at the school on Monday in order to prevent panic any when they arrived to school.


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Options in a 'Mental Institution'
Options in a 'Mental Institution'
Historical fact: In the old Soviet Union dissidents were often locked into a mental institution to silence and punish them. Many of them actually developed mental problems due to being locked into a delusional environment.
All my life I have had to listen to arguments against idealism from pragmatists. Their argument usually goes like this: You live in a dream world, where people are perfectly rational and nice to each other. That world does not exist and if you live there, you give up any chance of making the real world better.
The problem with this argument is in the assumptions I would have to accept in order to be pragmatic.
Most clinical psychiatrists can tell you that schizophrenics often use perfectly sound logic and be consistent, though their actions are based on a central delusion.
Would I like to live in a mental institution, where everyone behaved sensibly, as long as one accepts the assumption that the water faucet is God?
And that is my problem with the human species.
Look at an example: violent crimes committed by fire arms. Canada is trying to solve this problem by gun registration. Enormous expense, red tape, administration, resistance, resentment. Violent criminals are not lining up to register their firearms. Very limited, if any, result.
The real solution to this unsolvable problem is foolproof and obvious: Stop manufacturing firearms and ammunition, destroy any we can lay our hands on. Sooner or later there won't be any left. An even saner solution: remove the causes that make most people use them in violent crime.
Whenever I suggest it, hearty laughter. I am obviously a funny man.
Because everyone knows that it is impossible.
Just like 'everyone knows' that the water faucet is God.
Now, as a good pragmatist, I could accept that and try to find another solution, based on the premise that assumes: it is impossible to stop manufacturing firearms. But do I want to participate in a society where the only sane solution is rejected out of hand as impossible?
Before I go on, let me admit: I know it is impossible. Not because of a natural law of physics, not because the Martians forced it on us, but because we humans (a sufficient majority of those in power) choose to make it impossible.
Crimes committed by firearms is just one example. Almost all of our unsolvable social problems have perfectly obvious, sane, simple solutions. All of them impossible.
So, do I want to participate in a society which is run by people who reject the only sane solution as impossible? Where the majority of citizens go along with this by refusing to consider and implement the required life style changes?
I can only see four basic choices:
1/ Escape from the mental institution to a place of sanity.
2/ Go along with the assumption that the water faucet is God.
3/ Try to convince the inmates they are wrong
4/ Ignore the inmates and isolate myself as much as humanly possible.
Looking at these options, I have to realize that: 1/ would require a space ship or a time machine; 2/ is repulsive and painful for a healthy mind; 3/ I have tried that - no chance in hell; 4/ is the only practical solution I have ever found.
The following 1 user Likes Zatamon's post:1 user Likes Zatamon's post
ClydeLee (26-03-2013)
RE: Options in a 'Mental Institution'
The nice thing about outside of a mental institution is that thoughts vary more. Also most mental institutions are churches for the unhealthy, never been proselytized as much as when I was committed. The thing about "living in a dream world" is that every single person is doing the same thing because the basic facts of life are abominable. No one wants to think about the bare essential facts so they all find a crutch. Most people like their crutch to be the system. The system has been a crutch for well past recorded history. There is no way to convince people to give up the crutch and live in the real world.
In an insane asylum your only option is to escape.In order to prove anything about society you'll have to build your own. People want the system to be broken because life makes no sense. At least they can blame the system for slowly killing them off rather than life itself as the cause that they slowly die. You can only convince those who have no crutch to forget about the crutch. Once you have one that is how you plan to live your life. The only thing that can change the average person's opinion is being presented with an actual fully functioning version of the answer. even then they'll have issues with it.
I'm not a non believer, I believe in the possibility of anything. I just don't let the actuality of something be determined by a 3rd party.
RE: Options in a 'Mental Institution'
For me as a child realizing more than I should realize the real issue was that in order for life to exist it must extinguish much more life. There is a lot more death happening in the world than life because keeping one thing alive requires constant resources and many of these resources are consumption of life. Outside of plants that survive purely off of photosynthesis (most use other methods as well) there is no living thing that does not consume much more life than it lives.
That was a scary thought at 6.
I knew the mental institution was a metaphor but I felt like fleshing it out a little =p
Humans are destructive, but the reality of everything is that reality has always been much more destructive than prolific. In order to keep life from extinguishing everything that cant survive well has to produce insane amounts in order to not die out. As less endangered species humans get to have long lives and don't tend to have litters. The sacrifices that even made it possible for us to be in the easy situation we can get in are staggering. I would definitely call reality abominable.
Just remember that life is a big bonfire. In order to keep it from dying out you need to constantly add more fuel, and the only things that get any real benefits from the bonfire are the ones that supply it.
I'm not a non believer, I believe in the possibility of anything. I just don't let the actuality of something be determined by a 3rd party.
22-09-2011, 09:01 AM (This post was last modified: 22-09-2011 09:18 AM by Peterkin.)
RE: Options in a 'Mental Institution'
"Human kind cannot bear very much reality." - T.S. Eliot
If you pray to anything, you're prey to anything.
RE: Options in a 'Mental Institution'
(22-09-2011 08:33 AM)Lilith Pride Wrote: Just remember that life is a big bonfire. In order to keep it from dying out you need to constantly add more fuel, and the only things that get any real benefits from the bonfire are the ones that supply it.
Lilith, you just blew me away with this post. Incredible insight and courage to name our deepest secrets and fears.
I would take my hat off for you but that, too, blew away!
RE: Options in a 'Mental Institution'
i quit life and never looked back. isolation may be somewhat lonely at times, but it's much more tolerable than other options
even the smartest man in the world is an idiot
RE: Options in a 'Mental Institution'
(22-09-2011 05:54 AM)Lilith Pride Wrote: The only thing that can change the average person's opinion is being presented with an actual fully functioning version of the answer.
Disagree. The only way to change the average person's opinion is changing the public opinion.
Because on average, people have no opinion at all. Harsh but true.
Nowadays, the public opinion is provided by the same people who supply the bonfire. But the situation can, and thus should, be changed.
If Germans can have their government agree to quit nuclear power, what can't be done?
So about isolating yourself, that's the last thing one should do. Try as long as you are alive. Start with convincing those who listen to you. Stick to the like-minded and build your social circle.
And eventually, you will be able to change things around you.
RE: Options in a 'Mental Institution'
(22-09-2011 02:16 PM)evilflower Wrote: And eventually, you will be able to change things around you.
Noble sentiments, evilflower. If I were a lot younger, I would even agree with you. I did agree with you when I was a lot younger.
History is a great teacher in these matters. You see changes made an unmade time after time, while everything remained, essentially, the same. As it should if you believe in the theory of evolution. We are the same species today as we were a thousand years ago, and will be the same another thousand years from now.
Juts watch what will happen to Obama's pitifully inadequate health care law if the republicans get in.
I lived under a communist dictatorship for 27 years. When I left, I became a criminal in my own country. Now I am a hero who voted with his feet.
I hate to be a wet blanket but the best we can hope for is keeping our heads above the water. The tide of stupidity and evil is rising at the moment, it will recede again, if we are lucky. The cycles will go on.
The real problem we face now is our technology: its unprecedented power can now destroy us overnight, or by slow, painful strangulation.
I have been lucky, lived most of my life in a bubble and it may last a bit longer.
However, if you are young, you have no choice but hope and fight for a better world and you have my full support and admiration.
RE: Options in a 'Mental Institution'
I do fight even if sometimes it doesn't sound like I do =p But I will stand by the fact that people are comfortable with their answers wrong or right. They will only change their minds if presented with the solution and even then they won't be all that willing to change. Look at what people do when they want big change, generally they do the same stuff they did previously. Most revolutions have a mirror version 40 years before them. Yes some things do eventually progress, but they never reach a point where they really become different. About 20 years ago there was a growing number of women complaining about the women's rights movement, and their sentiments have slowly been growing about how much easier it is to be a housewife. People want the proven answer, and generally they will look to the past for proven. that's why religion has such a hold.
I'm not a non believer, I believe in the possibility of anything. I just don't let the actuality of something be determined by a 3rd party.
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Death penalty decision looms for Boston bomb suspect
BOSTON- The U.S. Justice Department will decide this week whether to seek the death penalty for suspected Boston Marathon bomber Dzhokhar Tsarnaev, accused of setting off two pressure-cooker bombs at the finish line of the world-renowned race.
U.S. Attorney General Eric Holder told the Senate Judiciary Committee on Wednesday that he would announce his decision before a Friday deadline set by a U.S. District Court Judge in Boston.
Tsarnaev, a 20-year-old ethnic Chechen, is accused of detonating the home-made bombs along with his older brother, Tamerlan, who was killed during a shootout with police several days after the April 15 attack.
Three people, including an 8-year-old boy, were killed in the blasts, which marked the worst attack on U.S. soil since Sept. 11, 2001. Another 264 people were injured by shrapnel, many of them losing limbs.
The case has been seen as an important test for the Justice Department, which has vowed to prosecute acts of terrorism to the fullest extent of the law, but would be doing so in a state that has abolished the death penalty.
"I would say it is a complicated decision," said Austin Sarat, Professor of Jurisprudence and Political Science at Amherst College in Massachusetts. "There are complicated cultural, political, and legal questions."
He would be surprised, he said, if the Justice Department took the death penalty off the table: "The President of the United States and the people at the Justice Department are not abolitionists, they are not against the death penalty… And they certainly will believe that they have reasonable grounds for prosecuting it as a capital case."
A Boston Globe survey found last year that 57 percent of Boston residents favored life in prison for Tsarnaev, if he is convicted, with 33 percent in favor of execution. Massachusetts abolished the death penalty in 1984, nearly four decades after the last execution in the state, but the sentence can still be applied in federal cases tried in the state.
Attorneys for Tsarnaev have argued against a possible death sentence, in part because they claim Dzhokhar was following the lead of his older brother. They have also accused the government of throwing up unfair obstacles to hinder preparation of their client's defense, including seeking to rush the start of trial and not sharing important evidence.
The blasts killed 8-year-old Martin Richard and injured several members of his family who were standing near the finish line. Krystle Campbell, 29, and Lu Lingzi, 23, also died in the explosions.
Tsarnaev is accused as well in the post-explosion shooting death of Sean Collier, 27, a Massachusetts Institute of Technology police officer.
A trial date for Tsarnaev has not yet been set. He has pleaded not guilty to the charges.


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OK, the time has come to rummage through the Odds-and-Ends desktop slush pile for items that evoked momentary interest, but got shunted aside.
From Forbes magazine, devastating news for chocoholics: The Hershey company said ethanol demand and higher corn prices have made animal feeds more costly, resulting in more expensive dairy products used in making its various chocolate items.
Its stock has taken a hit, and Hershey plans to close six plants over the next two years.
One can hope the supplies of Hershey bars, Kit Kats, and Reese's will continue unabated, however more costly.
A Washington State University horticulture professor says it may be possible to substantially reduce, or eliminate, nitrogen fertilizer in producing non-legume crops — saving farmers billions of dollars annually while lessening the environmental impact of fertilizer runoff into streams and other bodies of water.
Beans, peas, and other legumes interact with bacteria in the soil to trap and store nitrogen in root nodules, and Joe Poovaiah and his assistant research professor, Tianbao Yang, are working with a calcium/calmodulin-dependent protein kinase gene their team cloned in 1995. They say it can trigger a nodulation response in non-legume crops such as corn and wheat.
This could come to fruition within the next five years, Poovaiah told The Daily Evergreen at Pullman, Wash.
Ever heard of camelina? Probably not, but the oilseed plant that was grown in Europe 3,500 years ago and is considered a weed in North America, may become a major biofuels source, researchers say.
Also known as false flax, linseed dodder, German sesame, wildfox, gold-of pleasure, and other names, the annual/winter annual "is the most exciting crop I've seen in 30-plus years in the field," says Steven Guy, a University of Idaho professor and crop management specialist.
Camelina sativa, which does well under cooler northern conditions, can tolerate drier weather, requires little in the way of fertilizers and pesticides, and can produce more oil from its seeds than canola and some other crops — at about half the cost.
"We actually think it might be the next wonder crop," Tom Todaro, CEO of Targeted Growth, a Seattle biotech firm, was quoted in the McClatchy Newspapers story by Les Blumenthal.
The company is working to boost camelina yields "radically," and hopes to produce enough seed for 1 million acres by 2009.
Finally, the Wall Street Journal, which has been on cotton's case for a long time now, recently had a story about how the crop has been "largely overlooked as investors drive up the prices" of other ag commodities in the wake of the ethanol boom.
Coupled with excess supply, which has kept a lid on prices, Patrick Barta wrote, "Some say that makes King Cotton just the kind of smart, bargain basement investment that is becoming increasingly rare…"
China, India, and other cotton-growing nations are finding cropland and scarce water resources more valuable for industries, the story notes, further limiting their potential for producing cotton.
This, one analyst is quoted, could boost cotton prices by as much as 45 percent over the next two years.


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By JENNIFER GOODIN
Special to The Trimble Banner
On Friday, May 8th, the Trimble County Work Ready Community members hosted a job fair at the Trimble County Public Library. Fourteen companies attended to give participants information about how to apply and what the jobs they offered required. Other companies, such as KIPDA and Trimble County Adult Education, set up tables to give information on the services offered to the Trimble County Community.
The Phoenix Animal Clinic, in conjunction with the Trimble County Health Department Environmental Services, will be hosting a rabies clinic in June. Dr. Mary Zink will be administering shots on Saturday, June 6, between the hours of 10 a.m. to 2 p.m. at the Trimble County Park under the shelter by the ball fields.
The Bedford Post Office staff will host a farewell retirement party from 9-11 a.m. today for longtime route one postal carrier Larry Chilton. Chilton will retire on May 29, 2015, after 28 years of postal service, according to Bedford Postmaster Denise Dewitt.
"We would like to invite the public to drop in and wish him well," Dewitt said. "We will be serving cake in the lobby for all who would like to come."
By DAVE TAYLOR
The Trimble Banner
Longtime Trimble County Road Crew Supervisor Kenny Tindle will be resigning later this month to take another position in another county. Tindle shared the news during Monday's meeting of the Trimble County Fiscal Court.
The Trimble County High School Class of 1965 will celebrate the 50th anniversary of their high school graduation with a reunion on Saturday, July 18, 2015. The reunion will be held starting at 5:30 p.m. at the General Butler State Resort Park Conference Center. Dinner will be served at 6:30 p.m. The price per person is $29. Casual dress is recommended. RSVP by sending payment to Jerry Powell, 185 Locust Lane, Bedford KY 40006. The deadline to RSVP is June 1, 2015. If you have questions call 502-255-3928.
A Registration Fair is scheduled for Friday, May 8, 2015, from 8 a.m. to 2 p.m. at the Head Start building, located next to Trimble County Middle School. Trimble County Head Start/Preschool serves 3 and 4 year old income eligible children who live in Trimble County. A limited number of tuition-based slots for children who are four-years old by the public school cutoff date (Aug. 1, 2015) may be available for families who do not meet income guidelines. Please call (502) 255-3620 to schedule an appointment for your child for the Registration Fair.
Of the Trimble County Adult Education Center, Angelica Baker says, "Working with Trimble County Adult Ed was worth the time. They give you the opportunity to accomplish several things and to be successful no matter how old you are, you're never too old to get your GED."
Copyright © 2018
The Trimble Banner is your source for local news, sports, events, and information in Trimble County, KY and the surrounding area.


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Yesterday my 2002 Z8 with 7,800 miles had a nervous breakdown.
1-None of the dash indicators worked (ie. head lights, directionals) but the actual function worked.
2- The navigator could not find it's way home.
3- It took about 5 tries to start the car (no cranking sound, just silence).
4- The key remote would not work.
5- I couldn't turn the radio off.
Today the car is fine; everything works.
If it's an electrical problem that's intermitant, I'm really worried.
Has anyone else experienced this?
I Squared


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Ten Minutes with Wynton Marsalis
Wynton Marsalis got his break as a teen on his trumpet at Tanglewood. The Grammy Award–winning artist returns to the area with his "Jazz at Lincoln Center Orchestra" for the Mahaiwe's July 30 fundraising gala. Keep reading »
Jazz at Lincoln Center Announces winners of Essentially Ellington Competition 2017
Jazz at Lincoln Center proudly announces the top three high school jazz bands in the nation that took the highest honors tonight at the prestigious 22nd Annual Essentially Ellington High School Jazz Band Competition & Festival at Frederick P. Rose Hall, home of Jazz at Lincoln Center. Keep reading »
Wynton Marsalis on Judging Panel as More Than 300 Students Compete in Essentially Ellington 2017
Jazz at Lincoln Center Managing and Artistic Director Wynton Marsalis will serve on a judging panel as more than 300 students from the top 15 high school jazz bands across the nation compete in Jazz at Lincoln Center's 22nd annual Essentially Ellington High School Jazz Band Competition & Festival, the largest gathering of high school age jazz musicians in America. Competition events will take place beginning on Thursday, May 11th and will continue through Saturday, May 13th. Keep reading »
Jazz Legend Wynton Marsalis Surprises Steve Massey at Foxborough HS Pops
By his own admission, there are very few moments when Foxborough High School Music Director Steve Massey is speechless. One of those moments took place Sunday afternoon when a jazz legend made a guest appearance at Massey's final Pops concert before his retirement at the end of the school year. Keep reading »
All Rise: Strathmore's Most Ambitious Production of the Season
The rehearsal for Strathmore's biggest production of the 2016-2017 season is going smoothly—for the most part. During a break between movements, conductor William Eddins chastises the choir for seeming distracted. "Tomorrow," he says, "I want all eyes on me." Keep reading »
High School Jazz Students, Wynton Marsalis, in United We Swing Parade
On Friday, May 12th, more than 300 high school jazz musicians, band directors and parents will be joined by world-renowned musician and Jazz at Lincoln Center's Managing and Artistic Director Wynton Marsalis, musicians and community members in United We Swing, a "Second Line" Parade from Columbus Circle Park to Jazz at Lincoln Center's Frederick P. Rose Hall, in celebration and support of arts programs and arts education nationwide. Keep reading »
JALC and Harlem School of the Arts Announce New Series of Innovative Jazz Education
Jazz at Lincoln Center Managing and Artistic Director Wynton Marsalis, and Harlem School of the Arts President Eric Pryor, have announced two world-class, tuition free, jazz education programs and performance series at the Harlem School of the Arts in New York City. Keep reading »
Wynton Marsalis, Jon Batiste and members of the JLCO release Spotify Singles
Wynton Marsalis, Jon Batiste and members of the Jazz at Lincoln Center Orchestra released two tracks exclusively for the Spotify Singles series today. The tracks "2 Degrees East, 3 Degrees West" and "Django" are streaming now and are available to all users. Keep reading »
From one drummer to another, a celebration of Buddy Rich
Drummer Buddy Rich was one of the great virtuosos in jazz, on any instrument. But ask drummer Ali Jackson about Rich and it's not the late musician's blazing technique he focuses on. Rather, it's Rich's extraordinary range, as musician and showman. "He played in so many contexts, from vaudeville [as a child star with his family] to swing and the big band era, to bebop and everything else." Keep reading »
Wynton Marsalis speaks out on Trump's proposed arts funding cuts
The Trump administration's proposed cuts to arts education and funding is preparing the public to become "more ignorant," according to Wynton Marsalis. Keep reading »


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Home > Electronics > Professional Tools > Cylindrical Tungsten Carbide Rotary Burr Single Cut 3mm Head Diameter
Product Details
Carbide burr is preferred for accurate metal removal when shaping, leveling, or porting cast iron, steel, and other nonmetal materials. This is a round head cylindrical carbide burr with 3mm head diameter.
- Suitable for deburring and polishing metal / nonmetal materials up to HRC70 hardness
- Shape: Cylindrical (round head, single cut burr)
- Burr Head: Approx. 3mm diameter, 16mm long
- Shank Diameter: Approx. 3mm
- Shank Length: Approx. 22mm
- Total Length: Approx. 38 mm
- Material:
Package Includes:
- 1x Rotary Burr
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Fill a rocks glass with crushed ice. Add all ingredients. Garnish with blackberries.
The blackberry is one of the more majestic-looking fruits around, and this -- combined with a flourishing cultivation of this bramble -- has currently made it boom in bars all over the globe. Trivia: Superstitious Brits thought that the Devil peed on blackberries on September 29, thus didn't pick them after that date. Muddled, the blackberry is deeply red.
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A falling ice chuck reportedly measuring 20 by 40 feet barreled through a string of climbers near the Hogsback Ridge area of Mount Hood Thursday around 6 a.m., striking Meredith Jaques, 30, of Hood River, and sending her into a 300-foot slide down a steep slope.
"She's tiny but very strong," said Deborah Whiting-Jaques, Jaques' mother, as reported to Everton Bailey Jr. of OregonLive.com. prior to her arrival at the hospital. "She's an incredibly bright, pragmatic woman, and we all know she's going to pull through."
The initial 7:25 a.m. emergency call for Jaques - who suffered injury to her back, neck, arms, face and legs - came in from her fellow climbers, all members of the Hood River Crag Rats mountain rescue team, who were on a training mission together.
The climbing group of 12, including Jaques' brother Aaron, was at approximately 10,500 feet - above an area known as Devil's Kitchen, near Hogsback Ridge - during their attempted ascent when Jaques was struck by the falling ice.
Jaques was assisted by the Crag Rats until additional search and rescue teams arrived. It was reported that a retired physician and an emergency medical technician were part of her climbing team.
The American Medical Response Reach and Treat Team and the Portland Mountain Rescue mountaineers partnered in her evacuation, arriving on scene at about 11:25 a.m.
Even with the good luck of an experienced rescue team on hand, more challenges followed for Jaques, who was stabilized and lowered by sled to an area known as the Palmer Glacier where she was met by a snow cat for transport.
A Clackamas County Sheriff's Office Search and Rescue coordinator's report noted mechanical difficulties with the snow cat a short time after her pick-up, having traveled only halfway down the mountain.
Consequently, the rescue team continued with Jaques' evacuation from the cat break-down point through treacherous terrain using only a toboggan as they descended the remainder of the way to the lodge.
Jaques was off the mountain by 4:45 p.m., more than nine hours after the original distress call. She was transported by ambulance to Providence Hood River Memorial Hospital. She was later transferred to Legacy Emmanuel in Portland.
According to Jaques bedside nurse in a call placed to the hospital, the family has asked for privacy and Jaques' current medical condition has not been reported publically.
Jaques works for Shred Alert; a Hood River-based sportswear company. Her father is Jerry Jaques of Hood River.
Clackamas County Sheriff's Office coordinated the rescue through an established command post at Timberline Lodge. Mountain Wave Communications provided radio communication services during the rescue.
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Slub cotton garment-dyed polo shirt
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We're pretty proud of these polo shirts. Like our popular garment-dyed T-shirts, they're made in LA and have a perfectly imperfect color that will softly fade over time, capturing the laid-back lifestyle of their California roots. Go behind the design.
- Cotton.
- Rib trim at neck.
- Short sleeves.
- Chest pocket.
- Side vents with tennis tail (slightly longer in back).
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- Due to the saturated color of this garment, we recommend washing separately and wearing with similar or darker shades, as color transfer may occur on lighter garments.
- Item F3364.


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Hi Everyone,
I'm trying to position an image:
on the right hand side.
Code in CSS:
img.right {
float: right;
margin-left: 10px;
It works just the way I want it to in Firefox, but being a pain in IE.
What do I do to make it work in IE?
Any advise would be welcome.
P.S. Google people need not apply, I am searching, didn't find the answer yet


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November 15. 2013 11:28PM
College Sports Roundup: Dartmouth men's hockey loses again, in OT
Andrew Aummon's goal with 11 seconds remaining in overtime lifted the Princeton men's hockey team to a 5-4 home triumph over Dartmouth on Friday night, the Big Green's seventh straight loss to open the season.
Dartmouth, 0-5 in the ECAC, led 3-0 before the hosts rallied. The Tigers scored four straight to take a 4-3 lead in the third period before Dartmouth's Brett Patterson tied it with 7:35 remaining in regulation.
Cab Morris made 29 saves for Dartmouth.
SNHU 6, SUNY-Canton 1
Dane Caracino and Jay Sylvia scored two goals apiece to lead the Penmen (3-1) in Canton, N.Y.
Castleton State 4, St. Anselm 2:
At Sullivan Arena, the Hawks dropped to 0-3-0. Kevin Vanous and Greg Merrill scored for St. Anselm.
Women's hockey
St. Anselm 3, Nichols 0:
Freshman Alison Quinn scored twice to lift the St. Anselm women's hockey team past Nichols at Sullivan Arena.
Andi Foss added the other goal, and Courtney Winters assisted all three markers for the Hawks (4-1-0, 2-0-0 in ECAC East). Junior goalie Lindsey Brown made 10 saves for the shutout. St. Anselm outshot Nichols, 52-10.
The Hawks swing back in action today at 1 p.m. when they host Manhattanville.
Princeton 3, UNH 1:
The Wildcats' two-game unbeaten streak ended in Princeton, N.J., despite a goal by Haley Breedlove and 17 saves by goalie Vilma Vaattovaara.
Castleton State 7, Plymouth State 2:
PSU dropped to 1-3 overall, 0-2 in the ECAC Women's East, with the home loss. Kim Gosselin, of Concord, scored for the winners (3-2, 1-0).
Women's basketball
Keene State 89, Green Mountain 36:
Junior Courtney Roberts led a balanced attack with 14 points as the Owls rolled Friday in a first-round game of the 18th annual KSC Tip-Off Tournament. KSC will play the winner of Friday night's game between Endicott and Mass College of Liberal Arts in today's 3 p.m. championship.
Men's basketball
Plymouth State 76, St. Joseph College (Long Island) 58
Junior Alex Burt, of Dover, scored 19 points to lead Plymouth State to a victory in Friday's opening game of the Rick Martin/Holiday Inn Express Men's Basketball Classic at Westfield (Mass.) State. Bishop Guertin of Nashua product Logan Kesty added 11 points and Berlin's Curtis Arsenault popped in nine. Manchester Memorial grad Shomari Morgan scored seven points for PSU.
Franklin Pierce 102, LIU Post 82
Five Ravens, led by Ellis Cooper with 18 points, hit double figures in Friday's game in Colchester, Vt. FPU improved to 4-0.
Men's cross country
The Dartmouth men finished fifth and the UNH men took 12th in Friday's NCAA Division I Northeast Regional meet at Van Cortland Park in the Bronx, N.Y. Dartmouth's Will Geoghegan placed fifth, in 30:22 over the 10K course, and John Bleday took eighth, in 30:26. The Wildcats' top finisher was John Prizzi (50th, 31:24). Former Manchester Central stars Zach Chabot (88th, 32:07) and Sam Gagnon (95th, 32:13) also fared well for the Wildcats.
Women's cross country
Abbey D'Agostino's amazing string of success continued on Friday in the Northeast Regional meet at Van Cortland Park. D'Agostino, a Dartmouth College senior, won the meet for a third straight time, in 19:48, 11 seconds faster than runnerup Emily Sisson of Providence College. D'Agostino has yet to lose a race this fall. Her effort helped the Big Green to second place (84 points, behind Providence's 44) and a spot in next weekend's NCAA's at Indiana State. UNH took ninth, with 250 points. Placing 24th was Heidi Caldwell of Hanover, a junior at Brown.
New Haven 3, SNHU 0:
The Penmen closed out their season 12-12 (7-7 in the Northeast-10) after the 25-16, 25-15, 25-18 loss in Connecticut. Ashlee Daoust, of Brookline, totaled seven kills and nine digs for SNHU.


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After replacing a failed MP581 mother board and reconfiguring the MP581 with Rover the BCU recognizes the new neutron as a SCC Generic device and not as a MP581. (Rover reports the device profile as MPC.) This prevents me from assigning the neutron to the available UCM. I have unassigned the replaced neutron, performed a clear ram and reset twice which lead to a clear code, database and reset twice. The neutron still reads as a SCC Generic device. Summit is VER14 SP3. BCU is BMTW.
Any suggestions?


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|November 11, 2012, 07:45 AM
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Join Date: December 13, 2006
Location: Body: Clarkston, Washington. Soul: LaCrosse, Wisconsin
Posts: 1,558
Which optic, red dot or magnified? SGL-31 and WASR-10
I am in the process of "modernizing" (more optimizing) my two ak pattern rifles. I'm having difficulty deciding which one to leave as a "simple" rifle. The SGL is very high quality and it seems a shame to leave it as is. The WASR has a canted front sight and post '94 neuterings, most notably a lack of threading for muzzle device. It shoots POA/POI despite the sight, but I still want to correct it and maybe cut the barrel down and add a muzzle device. (I contemplated selling it but observing the paranoia post election availability of other AK platforms seems doubtful at best)
Plans are to have a LINCH charging system coupled with a MI Universal handguard on one rifle and utilizing the side mounted rail for a magnified optic on the other. I'm also open to the idea of having red dot optics on both, but if I press, say, the 5.45 into a varmint hunting role (which I might for giggles and kicks) it would be nice to have some sort of precision on at least one.
First question: Knowing the rifles and calibers, which would be recommended for a magnified optic?
Second question: Should I leave the WASR-10 as is or should I spend money to get the front sight corrected and a muzzle device attached?
- Jon
Disequilibrium facilitates accommodation.
9mm vs .45 ACP? The answer is .429
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The Department
Diverse and challenging programs. Research and learning opportunities on par with those at leading academic and research institutions. State-of-the-art laboratories and equipment. Small classes led by faculty with a wealth of expertise and experience. A focus on teamwork and hands-on, experiential learning. All of this and more awaits you in the Department of Environmental & Health Sciences.
Tour Our Facilities
Bentley Hall, home to our science laboratories, classrooms and faculty offices, underwent major renovations in 2011. Take a video tour!
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As an EHS science student, you will be immersed in research, clinical studies, and field work. You'll help with research every step of the way, from collecting samples to presenting your findings at national conferences. You might even land a summer job as a paid research assistant in one of our laboratories.
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Vt. to auction surplus vehicles and equipment
Event starts at 10 a.m. Saturday
Vt. to auction surplus vehicles and equipment
Event starts at 10 a.m. Saturday
MONTPELIER, Vt. —
The state of Vermont is going to be auctioning off to the general public surplus vehicles and other equipment.
The Department of Buildings and General Services' auction starts at 10 a.m. Saturday at the Agency of Transportation Central Garage located on U.S. Route 302, in Berlin.
State Surplus Property Coordinator Terry Lamos says all vehicles will be sold to the highest bidder rain or shine.
Among the items that will be auctioned off are dump trucks, plow trucks, pick-up trucks, police cruisers, fleet passenger vehicles, cargo vans, box trucks, boats, four wheelers, snow mobiles, kayaks, riding mowers, tools and miscellaneous parts.
Auction registration and vehicle previews will be held before the auction begins.


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Saturday Morning Webtoons debuts, for your all-ages reading pleasure
J. Torres brings to our attention the premiere of Saturday Morning Webtoons, a new web "channel" linking readers to a lineup of all-ages webcomics from some familiar names: Boo Bear & Flo, by Jack Briglio (Digger & Friends, Scooby Doo) and Agnes Garbowska (Marvel's Girl Comics, You, Me and Zombie); Gobukan, by J. Bone (Batman: The Brave and the Bold, Owl Magazine), The Little Tales of Otto & Olive, by Stephanie Buscema (Rocketeer Adventures, Pugs in a Bug); Orchard of Laughs, by Eric Orchard (Maddy Kettle, Yo Gabba Gabba: Comic Book Time); and Princess at Midnight, by Andi Watson (Glister, Skeleton Key).
In addition to the stable of weekly and biweekly comics, the site also offers each month a free downloadable comic; first up is Lopopo's Lost Sock, by Alex Serra (Handy Manny, Teen Titans Go). Next will be Funnies Farm, by J. Torres (Archie & Friends, Disney/Pixar's WALL-E) and Tracie Mauk (Comic Book Crossfire, Fight).
- Ad Free Browsing
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CrystalEng on Family Tree Circles
view: full | list
Journals and Posts
Silas Bennett born abt 1773 in Bertie County North Carolina
Seeking information on Silas Bennett. Silas was born abt 1773 in Bertie County North Carolina. He married Sarah Wynns who was born 04/19/1777 in Bertie County, North Carolina, daughter of Watkin William Wynns and Ann Ward. I am trying to locate the names of the parents of Silas Bennett and if he and Sarah Wynns had any children. Also death dates for Sarah and Silas. Thank you for any help Crystal
Samuel Judd born abt 1831 Green County Kentucky
Searching for the parents of Samuel Judd. Samuel was born abt 1831 in Green County Kentucky. He married Mary A. Gentry daughter of Joseph Oliver Gentry and Beatrice Judd. They had the following children. America,Thomas,Mary, and Sarah Judd. In the 1860 and 1870 census Samuel and Mary were living in Green County Kentucky.
William M. Fleenor 1839-1908
Seeking information on William M. Fleenor born 05/8/1839 location unknown to me. He died on 12/02/1908 in Washington County Indiana. He married a Melissa Janes or Jaynes seen the name spelled both ways. They had one daughter that i know of a Rebecca Ann Fleenor. I am trying to locate his parents and siblins and if he and Melissa had any more children.
Thank you for any help
Lafayette Flanary born 10/1853 Scott County VA
Seeking information on Lafayette Flanary. He was born 10/1853 in Scott County Virgini. He first married Isabella Unknown and they had the following children Tillman H. Flanary, Eliza Flanary,Ethel Flanary. He then married Mary L. Hensley(Peters) a daugther of Tillman J. Peters and Margaret C. Hensley they had children Jim Flanary,Allie Mae Flanary Patton Flanary. I am looking for Lafayette's parents and if he had any siblings. Thanks Crystal
Lydia Gentry born abt 1856 Green Co Ky
Searching for informaton Lydia Gentry born abt 1856 in Green County. She was the daughter of Lousia Gentry and Unknown Father. I found Lyida in the 1860 Green County Ky Census witth her mother and siblings Melissa,John and Nathan. I am trying to locate a possible death date and if Lyida married and had children. Willing to share what I have on The Gentry line
Charlie Amos England born 07/31/1877 in Kentucky
Seeking information on Charlie Amos England. Charlie was born on 07/31/1877 in Kentucky.He was the son of John H. England and Nancy Roach. Charlie died on 11/29/1954 in Columbia in Adair County Kentucky.Seeking if he married and had any children Thanks for any help Crystal
Henry Leslie England born 04/16/1877 in Kentucky
Seeking information on Henry Leslie England. Henry was born on 04/16/1877 in Kentucky. He was the son of John Thomas England and Nancy Blankenshi. Henry died on 07/16/1952 in Cofer, Metcalfe County kentucky. I am trying to find out if he married and had any children. Thank you for any help Crystal
William Jefferson Crabtree born 1874 died 1971
Seeking the parents of William Jefferson Crabtree. William was born on 10/31/1874 Kentucky. He married Mary Elizabeth Noe daughter of Charles Milton Noe and Nancy Susan Walker. William Died 04/13/1971 in LaRue County Kentucky
Lucinda Gentry born 1849 Hart County Kentucky
Seeking information on Lucinda Gentry born about 1849 in Hart County Kentucky. She was the daughter of Benjamin Gentry and Emily Martin. Looking to see if she married and had children and a possible death date. Willing to share what I have on the Gentry/Martin family. Thanks Crystal


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Directed by Darren Aronofsky
With Natalie Portman, Mila Kunis, Vincent Cassel, Barbara Hershey and Winona Ryder
Opens 12.3
Nina, the Prima Ballerina of Black Swan director Darren Aronofsky's fantastically insane damnation of the ballet business is a role Natalie Portman was born to play. Chronologically a woman, Nina lives frozen in a little girl's pure, perfect world. In her bedroom full of pink pigs in tutus, she falls asleep to the sound of a music box wound by her hovering mother (a terrifying Barbara Hershey). When she awakes, she dresses in some combination of soft gray, pink or white and goes to Lincoln Center, where she dreams of bringing the same standard of pretty perfection to the stage.
The company's Balanchine-like director, the cold-eyed, elegant Thomas (Vincent Cassel), is putting on Swan Lake. "Done to death, I know, but not like this," he says which might also be said about Black Swan in reference to cinema's standard aspirational ballet stories. Nina, with her innocence and precision, is ideal to dance the part of White Swan (Odette in the Tchaikovsky original), a princess transmogrified by a sorcerer. But Thomas doubts whether she can handle the other half of the dual role: the seductive, passionate Black Swan. He taunts her by suggesting that newcomer Lily (Mila Kunis, Portman's sexier doppelgänger) would be a better Black Swan. To have her dance her fullest, Thomas wants Nina to break out of her sheltered bubble and live more (unlike Moira Shearer's Vicky in the classic The Red Shoes, whose mentor ordered her to choose between dancing and living). He gives Nina an assignment to masturbate; she tries but is continually stymied. She finds self-mutilation easier. This is a very disturbed young lady, and we don't so much sympathize with her as recoil from what is in her head.
There's a natural comparison here to Aronofsky's The Wrestler, since that tale of strange creative passions made everyone including members of the Motion Picture Academy rethink their perception of Mickey Rourke. Black Swan will probably do the same for Portman, who did most of her own impressive dancing for the film. But in its narrative arc, Black Swan is more like Aronofsky's remarkable, harrowing . Nina is addicted to an ideal of perfection better represented by ballet than almost any other art form, and her cravings lead the film into the realm of horror. What I loved most about it was how wild and elusive its truths remain did Nina really tear off her own fingernails? Does the luscious Lily really make love to her? until the bitter, beautiful end. The movie is peculiar and ridiculously, spectacularly over the top, a lot like ballet itself.
Next How Do You Know


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G5051, Reviewed May 2017
Many landowners receive only a fraction of their timber's true value because they do not know what they have or how to sell it. Selling timber can be a rewarding experience if you understand the steps involved. This guide will not make you an expert, but it will explain the basic steps involved in selling timber, so you can feel more comfortable during the process and better about the results of your sale (Figure 1).
Figure 1. Becoming familiar with timber marketing and harvesting operations will assure you that the operations are proceeding according to your expectations.
The first step in conducting a timber sale is to select a professional forester. Many landowners often ask why they should have a forester help them sell their timber. The answer is quite simple: Like your financial planner who helps ensure your retirement and estate goals will be met and your family doctor who prescribes the proper care to ensure your long-term health, a professional forester helps ensure your timber sale will be financially and ecologically successful.
If you cannot answer the following questions and others like them, you may need the help of a professional forester.
There are two basic types of professional foresters: public and private. Public foresters work for either a state or federal agency. They can answer questions about managing your woodland and help develop your forest management plan. But landowners often have to wait for their assistance, and the type of assistance they can provide may be limited.
Private consulting foresters provide responsive service for a fee. They work to get the best dollar value for your timber and, like public foresters, will make your woodland healthier and more valuable. The amount paid for their service is more than returned through the increased revenue from the timber sale.
Regardless of whether you choose a public or private forester, the critical decision is that you choose a forester. A professional forester will provide the following services:
In Missouri, to find the Missouri Department of Conservation
resource forester closest to your woodland, call 573-751-4115
or go to the webpage https://mdc.mo.gov/regional-contacts.
To find a private consulting forester, go to
Although a plan is not required to sell timber, having one will help you be a better steward of your land. A plan will help you better understand the reasons for owning your woodland. That better understanding will help you identify clear goals and objectives, and how you and your forester can use harvesting as a tool for meeting those objectives. Yours might include some of the following objectives:
The next step in conducting a timber sale is determining what to sell. Selection of trees to be harvested should be done with the advice of a professional forester to ensure the harvest will satisfy your objectives and maintain the woodland in a vigorous, healthy and productive condition. The type and intensity of harvesting required will depend on your objectives and the type and condition of the woodlot.
Trees selected to be cut should be clearly marked for easy identification. A forester typically marks individual trees to be cut with tree marking paint at two places on the tree: one spot at about chest height and the other on the eventual stump at ground level. This second spot acts as a quality control to ensure only marked trees are harvested. High-quality veneer trees are often also numbered.
To help the logger easily see trees to be cut, most foresters will mark opposite sides of the tree; some will even paint a ring completely around the tree. Loggers can avoid trees to be retained if they can easily identify the trees to be harvested from any direction.
After selecting the trees to be cut, the forester will estimate the volume to be harvested, which is commonly called the "merchantable volume." This volume is expressed in board feet (one board foot is equal to a 1-inch thick 12-by-12-inch board) and is calculated using the diameter of the tree at breast height (dbh) and the harvestable length of each tree.
The trees selected to be harvested are commonly referred to as "stumpage," and "stumpage value" refers to the amount of money you would receive when those trees are cut. A timber buyer must consider several factors when determining the stumpage value of the trees you are offering for sale. First, like your forester, the buyer must determine the value of the log itself based on these criteria:
Then, the buyer must deduct from that value the costs of certain operations:
In addition to the labor and equipment costs for those operations, the buyer must factor in costs such as social security, workers' compensation, equipment depreciation, insurance and interest on invested capital. The buyer must also consider accessibility of the trees, distance to the mill, and the market for the logs. Finally, the buyer and the logger need to receive a fair profit.
From the landowner's perspective, tree size and quality are important. The importance of size and quality is best illustrated by an example: A log 10 feet long and 12 inches in diameter at the small end contains 40 board feet by the Doyle log scale (Table 1). The same 10-foot log grown to a 20-inch diameter would produce 160 board feet. If the grown log is veneer quality, the price paid per board foot may be two to 10 times higher. Therefore, in this example, adding 8 inches of diameter to a good-quality log increased its value up to 40 times. A well-developed forest management plan will provide details regarding which portions of your property are most productive and which are least productive for growing trees. Knowing where these sites are will help you focus future efforts to produce high-quality timber. Keep this principle in mind while managing the trees in your forest.
Quality is equally important to the buyer. A poor-quality tree may have no value as veneer or lumber, while a high-quality tree of the same dimensions may be worth hundreds of dollars. Defects lower the grade and, consequently, the value of trees.
The most common defects in logs are knots caused by branches; seams caused by disease, lightning, fire scars, frost damage or mechanical injury; holes caused by insects or bird pecking; shake, a lengthwise separation of the wood caused by injury; split; and decay (Figure 2). Another common and unnecessary defect is metal embedded in the wood. Fences are commonly nailed to fence-row trees, making the best part of the trees worthless. Even temporarily nailing into a tree causes serious degrade because a chemical reaction between metal and the tree sap produces a stain that permeates the wood.
Table 1. Doyle log volume table.
Figure 2. Tree defects.
The timing of a sale can also affect price. Most sawmills have limited storage facilities for logs. To avoid loss from deterioration, they keep a limited supply of logs on hand. Buyers will offer the best prices when markets are active and log supply is low. Winter is usually the best season for selling timber. Buyers may offer higher stumpage prices if they have a longer period of time to harvest the timber. However, a seller should seldom allow cutting periods exceeding 18 months. For high-value species like walnut, demand is cyclic. Landowners should follow the market trends and make their sales during periods of high demand.
There are two methods of selling timber. You may choose either to harvest your own timber and sell the cut product — such as veneer and saw logs, pulpwood, posts and poles — or to sell the standing trees and allow the buyer to cut and haul them.
You might think you can increase your profit by cutting and delivering logs or other products to the roadside or mill yourself, but that may not be true for several reasons.
First, logging requires special skills and knowledge, and involves substantial risks. Logging is hard, dangerous work. In addition to personal risks, engaging in logging may alter your insurance coverage.
Second, logging sometimes requires special equipment and attempting to log using agricultural equipment could extensively damage the equipment and be very hazardous to the operator. Improper cutting, handling or transporting of high-value logs can destroy much of their value. Standing trees may also be damaged and their future value greatly reduced or even completely lost. Harvesting of high-value species, such as black walnut or white oak, should always be left to experienced buyers and professional loggers.
Third, logging often requires more much time than initially estimated and therefore may interfere with other activities and responsibilities.
Finally, according to the Internal Revenue Service, once a tree is no longer on the stump, you are dealing with a cut product and thus must claim the proceeds as ordinary income. The option of claiming capital gain is no longer possible. In addition, you will have to pay a self-employment tax using IRS Form 1099-MISC.
Most private woodland owners sell their standing timber in one of three ways.
As when harvesting your own timber, you need to report stumpage sales to the IRS. Depending on current rules and your individual situation, one type of stumpage sale may provide greater tax advantages than another. You should also acquaint yourself with IRS regulations and current rules on treatment of sale expenses and depletion allowance. When selling timber, depletion allowance is a method for recouping your original investment in the timber without paying tax on it. MU Extension publications G5055, Determining Timber Cost Basis, and G5056, Managing Your Timber Sale Tax, will help you become familiar with basic timber tax facts.
In a stumpage sale, the sale price and buyer are usually determined in one of three ways.
To receive the highest price for timber you have for sale, contact several potential buyers and don't be so eager that you accept the first offer. The most effective way to notify potential buyers of your timber sale is to have your forester send them a timber sale notice. Professional foresters are familiar with potential buyers in their territory and the likelihood of certain buyers having an interest in your sale. Additional advertising can be done by placing an advertisement in local newspapers and farm publications, and posting information on websites. Most state forest products associations allow posting timber sales online. In Missouri post a sale notice, http://www.moforest.org/modules.php?name=Timber_Sale. Some consulting foresters announce timber sales on their own websites, which loggers often visit.
A timber sale notice (for a sealed bid sale) should include the following information:
A special note regarding performance bonds is in order here. A performance bond is an amount of money that the buyer places in an escrow account to ensure that he or she fulfills all the requirements of the contract. In states such as Illinois, where loggers are required to be bonded, this is normally not an issue. However, in states such as Missouri, where loggers are not bonded, many potential bidders either simply do not want to hassle with getting a performance bond, do not know how to get one or cannot get one because they have no bond history. To minimize this risk, selection of a professionally trained timber harvester is always best.
The bids should be opened at the specified time and place. The highest bidder is usually selected unless a reason to exclude that buyer exists. Be cautious about selecting new operators or operators who have not previously logged in the area. A professional forester may offer advice as to the desirability of selecting a particular buyer. Most buyers perform satisfactorily when all of the trees on an area are cut, but only the most experienced and careful buyer should be selected for a timber-stand improvement or selection harvest where valuable trees will be left standing. Although this practice may, on occasion, result in accepting a bid other than the highest, it will protect the future quality and value of your woodland.
To reduce the possibility of misunderstandings and disagreements, a written contract between the buyer and the seller is absolutely essential when selling timber. Terms of the contract can often be negotiated with the buyer to achieve greatest satisfaction. Understanding your selected buyer's limitations before writing the contract is essential. MU Extension publication G5057, Timber Sale Contracts, discusses the process of developing a timber sale contract and the basic provisions that should be considered for inclusion in such a contract. As with each previous step in selling timber, seek the assistance of a professional forester when preparing a timber sale contract.
You should request that you and/or your forester be present the day harvesting begins. By being there, you and/or your forester will have the opportunity to discuss the operation with the buyer or the buyer's representative on the site and to clarify points of agreement and have some input on questions not covered in the contract.
Once the timber harvest begins, you and/or your forester need to visit the area frequently to make sure the harvest is proceeding according to the terms of the contract and to discuss questions that might arise. Monitoring the harvest will also allow you to become more familiar with timber harvesting operations, which may be useful in future sales (Figure 3). Remember, active logging sites are dangerous. Approach with caution and only when acknowledged by equipment operators.
Use good judgment and discretion when checking the harvest operation. Unless a flagrant violation of the contract is discovered, a simple suggestion to the buyer will usually solve any problem. Deal directly with the buyer or the buyer's representative; do not complain or make suggestions to other individuals on the job.
When the job is completed and all provisions of the contract have been fulfilled, write a letter releasing the buyer from the contract and return the performance bond, if one has been posted.
Spotting and resolving issues early in the harvest will greatly increase your and the buyer's satisfaction at the end of the sale. Buyers, like most people, do not like to be surprised at the end of the job by a complaint, especially one that could have been easily addressed earlier.
Figure 3. Visit the harvest area frequently to ensure the terms of the contract are being fulfilled and to increase your knowledge of harvest operations.
Make the most of your timber sale by working with a professional forester to market your timber to targeted buyers. As you proceed through the process, remember the following key points:
Order publications online at http://extension.missouri.edu/explore/shop/ or call toll-free 800-292-0969.


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Gothenburg girls fourth at Cozad
Swedes win one game at tournament.
COZAD—Every play, every set, every match.
Mental preparedness is essential throughout each game of volleyball.
Gothenburg coach Mary Clark says her players are learning that concept, sometimes the hard way.
The Swede girls won one game and dropped two during the Cozad Invite on Saturday, finishing the seven-team tournament in fourth place.
Gothenburg opened the invite defeating Sutherland 25-21, 25-14.
The Sailors gave the Swedes a few fits in the first game but had no answer for Gothenburg's net play in the second.
"I thought we did pretty well against Sutherland," Clark said. "Then we kind of fell apart against Cambridge. We played flat and looked tired."
It did not help that the Swedes missed five straight serves against the Trojans.
"You don't need to give those kinds of easy points to a good team like Cambridge," Clark said.
The Swedes also had a tough time picking up Cambridge hits.
"They were doing a good job of mixing it up and putting their hits where we weren't," the coach said.
The Swedes fell 25-18, 25-14 to move into the losers bracket and play Perkins County for third and fourth place.
"We really didn't compete well in the first set," Clark said. "Then we came back and beat them in the second."
But the Swedes couldn't hold on, losing 25-20, 17-25, 25-15.
Senior Emily Max had 35 kills on the day with 17 blocks and 30 digs.
Libero Ali Clark had 18 service points and 43 digs.
"You have to be ready to compete, mentally ready, every game," Clark said.
The Swedes have just one regular-season date before the C1-11 sub-district begins Monday.
Gothenburg, now 11-14 on the season, travels to Ogallala for a triangular with Valentine on Friday. Game time has been moved to 4 p.m. MT.
Pairing for the sub-district tournament will be released Wednesday (today).
Latest Headlines
- Gothenburg native releases first novel
- We all need help from a friend
- Monsanto hosts 6th annual Safety Day program
- Brady places champ and runner-up at State FCCLA
- Swedes continue conference domination
- Dancing With The Stars changes venues
- Middle-of-the-Pack Finishes For Swede Boys and Girls
- Girls Show Support for Teacher's Cancer Fight


text:
Written by Elizabeth Barrett Wednesday, 22 September 2010 17:26
City council okays permit for windmill at Hilltop Estates Care Center.
Whether or not to allow a local hotel owner to place banners on city street light poles will be revisited in October.
At their Sept. 14 meeting, Comfort Suites co-owner Terry Jessen asked Gothenburg City Council members if the city would allow for the installation of welcome banners on three of the poles on Platte River Drive and asked if he could hang a hotel banner on the fourth pole closest to his hotel.
"If you don't, would you allow the businesses on the drive to install them?" Jessen asked.
The business owner suggested that the banners welcome visitors to town and perhaps feature the Pony Express logo.
Council member Jim Aden asked how other business owners in the area felt about the banners, Jessen said he'd not contacted all of them but would.
City attorney Mike Bacon said business improvement districts in some cities are allowed to erect banners and do other improvements through a self-imposed tax.
"With a reasonable set of regulations, you could tamp down conflict," Bacon said.
Jeff Whiting, another council member, said Cozad has such an improvement district that has hung banners.
City administrator Bruce Clymer noted that the Gothenburg Chamber of Commerce once hung banners on rods that constantly broke in the wind.
"Let's see how the wind blows and come back," Bacon said. "I think we could come up with an approved set of regulations that promote the community."
Jessen said he would talk with the other business owners to see who might be interested in buying, installing and maintaining the banners.
Following two public hearings, the council adjourned and reconvened to approve special use permits for Gothenburg Memorial Hospital to build a physician's clinic onto the hospital and for Craig Bartruff to erect a decorative windmill at Hilltop Estates Care Center at 2520 Ave. M.
GMH administrator John Johnson said the clinic is needed to ease cramped conditions at Gothenburg Family Practice—a clinic already attached to the hospital—and to recruit younger doctors.
A special permit was needed because the hospital is in a residential district. Construction is expected to begin in March of 2011.
During discussion about the proposed windmill, council members wanted to know who would maintain the windmill
A special permit is required because the windmill's 40-foot height exceeds city zoning regulations.
Scott Bahe, Hilltop administrator, said the facility would maintain the windmill that will be placed in the northeast corner of the lot for residents to enjoy.
"It's from Craig's family farm and plays into the heritage of the people there (at Hilltop)," he said.
Bahe said neighbors to the care facility are aware of the plan.
When asked what would happen if the windmill is allowed to deteriorate, Bacon said
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Volume 78 / Number 6 - July 9 - 15, 2008
West and East Village, Chelsea, Soho, Noho, Little Italy, Chinatown and Lower East Side, Since 1933
Tom Donnelly, a Project Comeback program participant, on a street-sweeping shift at Broadway and Prince St.
After making a clean sweep, homeless are bagging jobs
By Lucas Mann
"We have just three conditions that a candidate needs to meet to be a part of Project Comeback," said James Martin, executive director of the Association of Community Employment (A.C.E.) Programs for the Homeless, sitting in his Spring St. office. "They need to be recovering homeless, they need to show no recent violent history and they need to be willing to work."
With the help of A.C.E., many Project Comeback participants have transitioned from prisons, shelters and halfway homes to full-time employment. Project Comeback has been a presence in the Soho and Tribeca communities for years, most visibly as the street sweepers wearing Tribeca Partnership or SoHo Partnership uniforms. Those two neighborhood cleaning campaigns provide the work for Project Comeback participants and, according to Martin, that daily experience with broom and bin is key to building a life of full-time employment and economic independence.
"We believe that you should teach someone how to work instead of just saying, 'Here's a job,'" Martin explained. "If you haven't worked in 10 years, how do know how to keep a job?"
There are 52 participants in A.C.E. now, more than ever before. They enter a six-month program, where they work a weekly schedule as sweepers, plus attend workshops in résumé building, mock interviews and typing and can get G.E.D. study help if they need it. They leave with a foundation on which to build toward getting the employment they want.
Denise Braggs entered the Project Comeback program four months ago as a street sweeper, soon applied for the office intern position and now handles mail and helps prepare press kits, working in the same office as Martin.
"I've grown a lot here," Braggs said. "I have a very limited experience with office administration, but they give you rewards for working hard. I've been coming out of my shell here. I speak more. I've built my self-esteem."
Braggs is looking for work in office administration with the help of A.C.E.'s staff, and is proud to be off drugs and out of legal trouble. Her children are proud, as well.
"I'm a mother of six," Braggs said with a smile. "My children like that Mommy is working. They get to come visit the office sometimes and get to see what I'm doing."
Martin points to that open, friendly office environment as a quality that makes A.C.E. unique.
"We try to treat our organization like it's a small family," he said. "Everyone deserves to be treated respectfully, fairly, and given a chance to succeed. What makes us different, too, is that we provide aftercare. We track people for life."
A.C.E. figures that sending a person who has never held a full-time job out into the work force after six months and then walking away is not really providing care. What if circumstances again become difficult? That's where Project Stay, the follow-up to Project Comeback, comes in. Through Project Stay, A.C.E. offers advice and job services to any graduate of its program, for as long as he or she needs.
"Let's just say somebody gets a boss who is a jerk," Martin said. "Ordinarily, they'd just walk out on the job. Instead, they can come back and talk to us."
This continuous, intimate care has been part of A.C.E.'s philosophy since the organization began in 1992, when its founder, former investment banker Henry Buhl, told the Bowery Residents' Committee, which provides rehabilitation and care to the homeless, that he would pay people to come sweep in front of his Spring St. home.
Sixteen years later, on a sweltering Wednesday in late June, a group was preparing to hit the streets for the afternoon work shift.
"It's a pretty hectic day," said Michael Williams, their crew supervisor. "From 7 to 11:45, there's a work shift. Then job workshops from 12:30 to 1:30. Then there's the afternoon route until 3:45."
Marvin Agee, in his fourth month at A.C.E., readied his rolling garbage can and said that he did not mind the hard work.
"They let you work overtime," he said, "So I usually work six days a week. I just like to work. If I'm not working, I get bored."
Agee is looking to take his work ethic into a job as a building porter or a warehouse worker once his time at A.C.E. ends.
Other A.C.E. members expressed the same willingness to hit the streets.
"Working hard doesn't bother me," said Hector Bonilla, who had just returned to the program after an injury. "It's hard in the summertime, but I do what I have to do. For a long time, I was hustling, trying to make the fast buck. But I'm 53 at my age I got tired of that life."
Before coming to A.C.E., Bonilla was Upstate serving time in jail. Now, he describes himself as "stabilized."
It is not uncommon for men to find a new lifestyle and profession later in life through A.C.E. Robert Bowman graduated from Project Comeback in 2006. He now works two jobs, one as a deckhand with Spirit Cruises and one as an assistant crew supervisor back at A.C.E., helping people in the same position that he was in just two years ago.
"This is my life," Bowman said happily. "This helps me stay clean, too. Being here doesn't allow you to forget where you came from. I figured no one would hire me because of my age and, lo and behold, I've got two jobs. I'm in it to win it. As long as I think I can help somebody, I will stay here, because somebody helped me once."
Walking along Broadway to check on his workers, Michael Williams described his feelings toward these men and women that he sees nearly every day of the week.
"It's really humbling for a person to be sweeping out here," he said. "I'm proud of every person who comes through here, even if they only last for a week. It takes a lot to try and pull yourself back up."
A.C.E. counts on neighbors to notice the value of the work of its members, the way Williams does.
"We don't really receive government money," A.C.E. Director Martin pointed out. "It's really a grassroots organization. We go to business owners, condo owners, residents [to fundraise]. It's important to remember that we're a social service agency and also a community-improvement program. We're helping make the streets cleaner and we're helping New York City as a whole."
Jennifer Joyce, the group's executive director of business development and marketing, described other additions that A.C.E. is making to its program.
"We are beginning a green initiative," she said. "We'd like to get rid of plastic bags in Soho, so we've got tote bags for sale. We are also getting biodegradable trash bags."
Martin hopes that all of these new ideas will help A.C.E. to continue achieving its larger goal assisting more people.
"We need to expand our service area," he said. "We are trying to broaden our reach. Our goal will always be to help more people."
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H. Dale Kugler, 85 - July 19, 2012
H. Dale Kugler, 85, of Lexington died Thursday, July 19, 2012, at the Plum Creek Care Center in Lexington.
A memorial service was conducted on Monday, July 23, at the Parkview Baptist Church in Lexington with the Rev. John Shields officiating. Burial will take place at a later date.
Kugler was born June 22, 1927, to Henry and Georgia (Zimmerer) Kugler at Lexington. He attended rural school at District No. 52, then attended high school from 1941 to 1942 and graduated with the Class of 1945, due to enlisting with the United States Army Air Corps on Oct. 28, 1944.
He entered the Army Specialized Training Program (ASTP) at the University of Nebraska-Lincoln and later at South Dakota State College in Brookings, SD. He served his country in Army of Occupation Germany and was honorably discharged on Feb. 1, 1947.
Kugler was united in marriage to Louise Nisley at Gothenburg on Dec. 27, 1947. To this union, four children were born.
He then attended Nebraska Agriculture College and Nebraska Wesleyan, and began farming, feeding cattle and raising hogs with his father in 1949.
Kugler served on the University of Nebraska Agriculture Advisory Board, the Nebraska Brand Committee and various agriculture and livestock organization committees. He was also an instrument rated pilot.
On March 3, 1995, he married Delores "Dee" Hibberd-Stienmetz, and her two children joined the union.
He was a past member of the Masonic Lodge and the Tri-County Shriners. He enjoyed playing golf with friends and family, and also enjoyed his hobbies including restoring antique and classic cars, motorcycles and airplanes as well as metal artwork, according to family members.
Kugler was preceded in death by: two sisters—Delphia Edwards and Carol Peterson.
Survivors include: his sons—John (Cyndi) Kugler of Omaha, and Lane (Peggy) Kugler of Plum Creek Canyon; daughters—Becky Kugler of Omaha, and Peggy (Brad) Hurrell of Charlotte, NC; nine grandchildren and 14 great-grandchildren; step-daughters—Julie (Gerald) Polmateer and Jill Stienmetz.
Memorials are suggested to Parkview Baptist Church of Lexington and to Eppley Institute of Pancreas Research c/o Ed Ramspott, Eppley Institute, DRC II Room 4002E, 985950 Nebraska Medical Center, Omaha, NE 68198-5950.
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Looking Back with Aurore Eaton: The Elliot Hospital's grand openingAURORE EATON
June 02. 2014 11:30PM
The first general hospital in Manchester, New Hampshire, which has often been called, "New Hampshire's first voluntary hospital," is the Elliot Hospital. The creation of the Elliot, which grew to be one of the state's premiere medical institutions, was made possible through the generous bequest of Mary Elliot (1823-1880). She was the widow of prominent Manchester doctor John Seaver Elliot (1802-1876).
The original hospital building, an impressive Gothic-Revival brick structure, was constructed on a prominent hill in East Manchester with views of the downtown, the Merrimack River, and the Uncanoonuc Mountains several miles to the west. The building, which could accommodate 25 patients, was situated on a 27-acre semi-rural estate that would provide ample room for future expansion.
The new Elliot Hospital was opened to much acclaim during a three-day event that took place from Thursday, April 17, to Saturday, April 19, 1890. April 17th marked the formal opening for physicians and clergymen.
According to the Daily Mirror & American newspaper, "The exercises at Elliot Hospital yesterday were solemnly enthusiastic." There were prayers and benedictions, and several notable speakers took the podium. Among these was Ex-Governor Frederick Smyth, who had previously been a vocal critic of the hospital's Board of Trustees. According to the newspaper, "The Governor spoke in one of his happiest veins, and as he stood in the center of the crowded hallway, the inspiration of his earnestness was transferred to the faces turned upon him, and surrounded with smiles and tears, he added his word of tender and earnest congratulations. Very gracefully did he allude to the work of the trustees, admitting that he had criticized them for not going ahead more rapidly, but protesting also that he had always praised them behind their backs."
The important ladies of Manchester were invited to tour the building on April 18, and on April 19 the hospital was opened to the general public. The trustees conducted essential business during the open house. This included the appointment of Dr. O.D. Abbott as the attending physician. He would have the duty of signing all admission certificates. Several other doctors were named as consulting physicians.
The trustees also announced that the hospital would be run by Miss Mary E. Barr. Matron Barr would have general charge of hospital operations. She would keep track of the patients, and manage the nurses and other workers. She would be responsible for the property, for purchasing supplies, and for all finances. She would receive and acknowledge charitable donations and meet with visitors, and show them around the facility. She would make sure that the nurses spent at least one hour a day exercising outdoors, weather permitting.
According to the hospital's first annual report, Miss Barr was also "…requested and expected to exclude from conversation at her table, and elsewhere in the hospital, all topics of a personal nature about the patients, their complaints, disease, or treatment." During the open house, the trustees also announced the appointment of Daniel S. Harriman as janitor. He would live in the hospital with his wife, and she would have her own housekeeping duties.
During the three-day celebration there was a great deal of enthusiasm and good will in evidence. Many gifts were kindly donated to help furnish and supply the new institution. These included parlor furniture, paintings to decorate the walls, and fresh flowers.
The trustees and hospital supporters were quite satisfied — the handsome new building was completed; the physicians, nurses and management structure were in place; and the philanthropy from the community needed to sustain the organization into the future seemed assured.
But, there was a note of discord in the proceedings that could not be ignored. The question in many minds was "How would the trustees come to grips with that troublesome clause in Mary Elliot's will?"
The clause stated that, "In disposing of applications for admission to the hospital it is my will that preference be given to residents of this city and to Protestants or non-Catholics."
Manchester was a city of immigrants, and many of these were Roman or Orthodox Catholic, and a good number were Jewish. Would these local citizens be excluded from receiving care in what was then Manchester's only general hospital?
Next Week: Dealing with that troublesome clause in Mary Elliot's will.
Aurore Eaton is executive director of Manchester Historic Association; email her at email@example.com


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BB&T Corporation (NYSE: BBT) is a bank holding company with operations in 11 Southern states and Washington D.C. [1]. The company has $136.5 billion in assets under management, making it the 14th largest bank in the U.S.[2] The bank mainly serves consumers and small, regional businesses. In the midst of the 2008 financial crisis, BB&T posted a 3rd quarter net income of $358M, a 19% decline from the previous year.[3] Thus, while it has fared better than many other banks, BB&T has not escaped the effects of the credit crunch. It has suffered $364M in credit-related losses, and 9% of its gross loan portfolio was given to homebuilders, many of whom could not repay BB&T.[4] In addition, BB&T faces deteriorating economic conditions in many Southern states, which curtail consumers' and businesses' willingness to take out loans with higher interest rates. These factors drag down the company's ability to maintain a high net interest margin, and therefore its profitability. However, in comparison to many other banks, BB&T has managed to retain a healthy margin at 3.7%.[3]
In the aftermath of the Civil War, Eastern North Carolina lay tattered, battered and torn ... an easy mark for profiteers and politicians bent on destroying what little remained. There was no money, no law and precious little trust or faith in the once-proud institutions of the South.
Alpheus Branch, established a small mercantile business called Branch and Company. He joined forces in 1872 with Hadley. As private bankers, Branch and Hadley accepted time deposits, paid interest and loaned money to help rebuild the farms and small businesses in the community. With a place to borrow money at reasonable interest to buy seed and fertilizer, area farmers planted their fields in cotton and in the early 1880s, experimented with a new money crop, tobacco. In 1887, Branch bought Hadley's interest in the bank for $81,000 and changed its name to Branch and Company, Bankers.
In 1889, Branch, and others secured a charter from the North Carolina Legislature to operate the Wilson Banking and Trust Company (later amended to the State Bank of Wilson and later to Branch Banking and Company). However, the charter was not implemented until 1900. Alpheus Branch died Jan. 3, 1893. The bank continued to grow in the years that followed. In 1900, Branch and Company, Bankers, was sold to Branch Banking and Company, holder of the state charter. On Dec. 20, 1902, the bank opened a savings department, paying four percent interest compounded quarterly.
Prior to 1900, virtually no trust business was conducted in North Carolina by institutions. The 1889 state charter authorized the bank to organize a trust department, but changes in the law delayed implementation until 1907, when Branch Banking and Company became the first bank in the state in engage actively in trust activities. In 1913, the charter was amended to change the name to Branch Banking and Trust Company.
By 1923, BB&T had exceeded $4 million in assets, a 307 percent increase since 1914. Four new offices were established, an insurance department opened in 1922, and the mortgage loan department began in 1923.
With the stock market crash of 1929, banks that had invested heavily in stocks began to fail. From January 1930 to January 1932, 131 state banks in North Carolina failed. By Dec. 30, 1931, the other seven banks in Wilson had closed. At BB&T, many customers withdrew funds to deposit at the Post Office in Postal Savings, the only apparent safe investment. What they didn't know was that postal officials took that same money and deposited it in BB&T. While public confidence in banks had disintegrated, the government's faith in BB&T had not. [5] BB&T continues to grow from mergers, acquisitions and new branches.
BB&T is organized as a group of community banks.[1] The company has more than 1,500 branches in North Carolina, South Carolina, Maryland, Virginia, West Virginia, Kentucky, Tennessee, Georgia, Florida, Alabama, Indiana and Washington, DC.[2]
BB&T's strategy involves diversifying the company's revenues through mergers and acquisitions. This strategy has led to 5-year growth in average total assets, loans and deposits of 10.8%, 11.6%, and 11.2% respectively.[2]
A community bank in 1872, they have a strategy of providing responsive, localized customer service. BB&T's banking subsidiaries are organized as a group of community banks, each with a regional president, to allow local autonomy and local decision making. They encourage each subsidiary to match its operating style and services with the needs and desires of its local community. [6]
Try's to keep its hometown appeal. 95% of key banking decisions are made locally either at the city or the regional level. By dividing the Carolinas, Virginia, Alabama, Kentucky, Florida, Georgia, West Virginia, Maryland, Tennessee, Indiana, Texas and Washington, D.C., into 36 regions, each with its own president, BB&T operates on a more personal level with individual and business clients.
In essence, each region operates like a smaller community bank and its regional community president acts much like the chairman of that bank. This provides BB&T clients all the advantages of a major financial institution as well as the kind of specialized attention they expect from a hometown bank. [7]
BB&T is one of the largest financial services holding companies in the U.S. with $174.6 billion in assets and market capitalization of $17.5 billion as of Dec. 31, 2011. Based in Winston-Salem, N.C., the company operates approximately 1,800 financial centers in 12 states and Washington, D.C., and offers a full range of consumer and commercial banking, securities brokerage, asset management, mortgage and insurance products and services. A Fortune 500 company, BB&T is consistently recognized for outstanding client satisfaction by J.D. Power and Associates, the U.S. Small Business Administration, Greenwich Associates and others. [8]
In national categories for both small business and middle market banking, BB&T received Greenwich Excellence Awards in:
Overall satisfaction Personal banking – overall satisfaction Financial stability Treasury management – overall satisfaction [9]
BB&T Corporation (NYSE: BBT) has a 10-year compound annual dividend growth rate of 12.3 percent (compared with 5.3 percent for the S&P 500). Over the last five years, BB&T's total compound annual return to shareholders has been 7.8 percent compared with 6.2 percent for the S&P 500. The 10-year total compound annual return to shareholders has been 12.5 percent compared with 9.4 percent for the S&P 500. [10]
|PERIOD ENDING, in thousands
|Jun 30, 2008
|Mar 31, 2008
|Dec 31, 2007
|Sept 30, 2007
|Total Revenue
|Cost of Revenue
|Gross Profit
|Net Income
2007 was the 26th consecutive year that BB&T netted record earnings. 2007 net income was $1.73 billion, a 13.5% increase from 2006, and operating income totaled $1.75 billion, a 2.5% increase from 2006. BB&T increased its market share in every state while maintaining the lead in West Virginia. [13]
|Market Share 2007
|Market Share 2006
|% Increase in Deposits
|Virginia/ Washington, D.C.
|North Carolina
|West Virginia
|South Carolina
Additionally, BB&T increased the number of online banking clients by 21% and opened 35 new offices. By acquiring Coastal Financial of South Carolina and the mortgage banking firm, Collateral Real Estate Capital, BB&T was able to create a commercial mortgage servicing portfolio of $20 billion. [13]
BB&T is broken down into five major segments that have seen both loss and growth from FY 2006 to FY 2007.
BB&T has been hard hit by the 2008 Financial Crisis. The bank reported a 19% decline in net income in Q3 FY08, to $358M.[3] In addition to problems related to the housing market, the bank has invested in construction projects that cannot now be completed because demand has fallen (9% of the company's gross loan book is allocated to residential homebuilder loans[15]). Consequently, BB&T has lost money on the residential development loans given to these developers. The bank has set aside $330M to deal with bad loans, tripling the $88M that was set aside in 2007.[16]
In comparison to other banks, however, BB&T has weathered the financial crisis well. Even taking into account the poor performance in the third quarter, the bank produced a return on equity of 11%, compared to 14% in FY07.[3]
Regional banks generally have high exposure to regional housing markets, creating the belief among large investors that the risk in regional bank investment is unacceptably high.[17] BB&T is heavily exposed to the housing markets of the Southern states, which have suffered immensely from the downturn. For example, housing prices in Washington, DC have declined by 24%, and prices in Florida have declined by as much as 34%.[18]
In order to raise adequate capital, regional banks must sell more and more stocks at diluted prices. This in turn drives down prices even further, and make major investors even more hesitant about placing money into the banks. This is reflected in BB&T's historically low price/earnings ratio, suggesting that the stock is undervalued by investors. While BB&T has received approval to participate in the US Treasury's capital purchase program, the program enables the federal government to take a substantial stock stake in the company, and requires the bank to pay the government a hefty dividend.[19] Despite these difficulties, however, BB&T has fared better than other banks in capital raising, mainly because it is less exposed to subprime loans (see above).
While the downturn in the financial markets has decreased the supply of credit, the downturn in the U.S. economy causes a decrease in the demand for credit. A key driver of BB&T's profits is the willingness of consumers to borrow money at a high interest rate. The company's interest rate margin was 3.66% in Q3 FY08.[20]. However, deteriorating economic conditions force consumers to curtail their spending, and therefore their willingness to borrow money. The unemployment rate has reached 6.8%, and GDP growth for Q3 FY08 shrunk to 0.8%. [21]. Consumer spending dropped by 6% in October, 2008 [22], and industrial production declined by 0.4%.[23] States in the region served by by BT&T are suffering from recession.[24]. A decrease in national consumption means a decrease in the demand for credit; though the company may try to keep its interest rates up because of the credit crunch, it's likely it will make fewer loans, and thus make less money overall.
|Wilmington Trust Corporation (WL)
|SunTrust Banks (STI)
|First Bancorp (FNLC)
|Market Cap
|Qtrly Rev Growth (yoy)
|Revenue (ttm)