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Cover Story: Remains of the day
As western lenders pull back from markets once deemed vital to their future growth prospects, Latin America's home-grown banks are swooping in to pick up the pieces.
When speculation first emerged in August that troubled lender Royal Bank of Scotland was seeking to sell a highly prized US asset, Citizens Financial Group, heads nodded sagely.
The deal, priced at $16 billion by the British media outlets that broke the story, made good sense. It would allow the London-based bank, once a global giant, now hobbled and humbled, to redeem a portion of the UK government's 82% stake.
RBS downplayed the rumors: its chief executive Stephen Hester insisted that Citizens remained one of the bank's core assets. But analysts thought the sale would prove a boon for RBS: unloading the asset would give the UK lender a big, quick capital fix at a time when new regulations are forcing European banks to boost their cash reserves.
Yet curiously, one aspect of the story that was underplayed and even overlooked was Citizens' most likely new owner: the Brazilian banking group Itaú Unibanco.
Itaú, headed by veteran banker Roberto Setúbal, had not tendered a formal bid for Citizens when LatinFinance went to press and had denied media reports that one was in the offing. But market sources have identified no fewer than three likely US targets for the southern hemisphere's leading financial group. If the Citizens deal fails, they say, Itaú will look to buy one of two other regional lenders: Boston-headquartered Sovereign Bank, owned by Spain's Grupo Santander; or San Francisco-based Bank of the West, controlled by France's BNP Paribas.
New world order
Yet even if none of the deals goes ahead, and Itaú looks elsewhere (or internally) for growth, the mere fact that Latin American banks now play the role of the hunter rather than the hunted – as would have been the case decades past – shows how much the world has changed.
Latin American commercial and investment banks, including Brazilian names Itaú and São Paulo-based BTG Pactual, are on the lookout for assets both at home and overseas. Others, including Banco Bradesco and Banco de Brasil, are growing fast. At the same time, once-peripheral regional groups such as Davivienda and Grupo de Inversiones Suramericana (Grupo Sura), both based in Colombia, are snapping up valuable assets shed by European lenders as they retreat – some piecemeal, some aggressively – from the region.
The latter theme is part of a wider process of deleveraging where western banks in general, and European lenders specifically, have quit markets once deemed vital to future growth prospects.
Across central and eastern Europe, central Asia and Russia, and the Pacific Rim from Japan through to Australia, European lenders are selling assets or shutting up shop.
Capital earned through equity sales, or repatriated by cancelling or trimming credit lines, is being sequestered back home to comply with new regulations (Basel III rules demand Tier-1 capital levels of at least 9%) or to kowtow to local political pressure (RBS, along with other UK lenders, is under pressure to boost lending to British enterprises).
Wherever it happens, the effects of deleveraging are felt in different ways. In Asia, European banks are retreating reluctantly but en masse, allowing Asian lenders to regain lost territory. In central and eastern Europe, a region that relies far too heavily on western Europe for funding, the pain of deleveraging is felt more keenly.
Napoleonic retreat?
Across Latin America the picture is far more nuanced. In some cases European banks, facing problems at home, have simply cut and run. RBS exited its Brazil operations in 2011 as part, a bank spokesman insisted, "of our refocus of our Latin America business strategy". 'Refocus' is in this context merely a Napoleonic retreat in disguise: RBS has also 'refocused' its attention away from a host of other countries, abandoning the likes of Chile, Venezuela, Colombia, and Argentina.
That any bank would want to exit the world's 25th, 28th, 34th, and 43rd largest economies, along with Brazil, number seven on the list of world's largest industrial nations, all in less than a year, highlights the challenges facing Europe's lenders.
Others are departing, too. In September 2011, Davivienda, which had operations outside Colombia in Panama and Miami, paid $801 million to buy HSBC's units in Costa Rica, El Salvador and Honduras, gaining $4.3 billion in assets and $2.3 billion in loans. Three months later, Grupo Sura finalized a deal to buy the Latin American interests of the Netherlands' ING.
Even the biggest European operators in the region – Spanish groups Santander and BBVA – are allowing their empires to get nibbled away. In 2011, Santander, casting around for money, opted to sell its underperforming Colombia operations, which controlled just 3% of the local market. Executive chairman Emilio Botín concluded the sale, which allowed Santander to pocket a handy $1.225 billion, with the words: "Our market share in retail banking in Colombia was a long way from the 10% we aim to have in the markets in which we are present."
BBVA also has problems of its own. In May 2012, Spain's second-largest bank by market value revealed that it was selling its pension fund management operations in Chile, Colombia, Mexico and Peru as it focuses on its "core" banking operations.
"Many of the large European financial groups are in the process of reducing their size and investment in the region," Ignacio Calle, Grupo Sura's chief financial officer, says in an interview with LatinFinance. This retreat has been forced on European lenders, Calle says, not by a lowering of their expectations across the region, or by poor investments, but because "some of them have been forced by their European regulators to decrease investment".
It's hard to argue against this point. European banks, increasingly pushed back inside their natural cultural borders by a welter of new legislation, are being forced to find all manner of ways to rationalize their piecemeal pullbacks.
Trimming the fat
Yet remove the solemn words and political spin, and all these divestments amount to the same thing: troubled old-world European lenders, short of capital at home, seeking to cut out some of the fat in a few, faraway markets (while raising a bit of handy cash) without being forced to hack off an entire limb.
"European banks are not yet selling off big core businesses [in the region]," says Cate Ambrose, president of the Latin American Private Equity & Venture Capital Association (LAVCA). "Until now, they have seemed content to sell off 'non-core' business, including pension funds, insurance businesses, and other assets."
One wonders how long that can continue. Five foreign lenders boast a sizeable regional presence. Citi is well established and highly profitable, particularly in Mexico, while Canada's Scotiabank continues to buy around the region: last year it bought a 51% stake in Colombia's Banco Colpatria for $1 billion.
It is the other three – HSBC, BBVA and Santander – that some analysts suggest are most likely to shed more assets. The latter two names in particular, are those most heavily invested in the region, and therefore the ones with most to win (in terms of short-term gains through asset fire sales) and lose (through the loss of regular returning income) were either to seriously consider leaving the region.
To take Santander as an example: Latin America represents 19% of the Spanish group's assets, earning 65% of attributed revenues, against just 27% from continental Europe. And there is no doubt that, as LAVCA's Ambrose puts it, some Spanish banks are "hurting" on the home front (See: 'A rock and a hard place', page 18).
A Santander spokesperson says the bank's position in the region is unshakable, noting: "Santander will be increasingly present in the region. We want to grow in Latin America, and we are going to. That means that we are focused on growing and not selling."
And Santander has charted a nifty course during the past few years, obviating the need to raise huge amounts of capital through asset sales, thanks to the timely and profitable $9 billion initial public offering of its Brazilian operations, in 2009. The Spanish group is considering pulling the same trick twice, through a flotation of its Mexican operations.
Of course, IPO cash doesn't last forever. And if push came to shove, some European banks may not have much choice: the decision to sell core assets might come to be a no-brainer for a struggling bank.
Huge appeal
Latin American financial assets are still wildly popular, and many investors are prepared, at least in the current climate, to pay over the odds to get a piece of the action. "Most banking assets are selling at one times book value around the world, and that is if you're lucky," says Marcos Brujis, chief investment officer at IFC Asset Management Company in Washington, a division of the private-sector arm of the World Bank.
"You can get very good valuations now for Latin American assets, with book valuations up to two times, three times. This might make global banks think again about selling Latin American assets while they can."
Such sales are proving popular, particularly among local players. Grupo Sura has ruled itself out of the running with regard to BBVA's assets: Calle says his bank, which has more than 50% of the pension funds business in Chile, Colombia, Mexico and Peru, would face anti-trust actions if it pursued that deal.
But the Colombian group's ING buy is unlikely to be its last. "The exit of European financial groups is being substituted by financial groups from Latin America and North America," says Calle, who notes that Grupo Sura remains "watchful for new opportunities that come our way", particularly in financial services, insurance, social security, savings, and investments.
The process of regional asset stripping, once it starts, is often hard to stop. Once one big deal happens, another two or three are expected every quarter, with ascribed valuations rising to the point where a deal is virtually forced onto the market by financial necessity. European lenders remain under almost overwhelming pressure to raise capital to boost lending in markets that are, in the case of Spain or Portugal, themselves virtually bankrupt.
This has brought yet more investors and capital to a region that, until a decade ago, was still regarded as a basket case. Now, it's widely seen as an emerging-markets success story, despite a mounting economic slowdown, especially in Brazil. Latin America has become a region dotted with western banks pondering sales of their high-value assets at a reasonable price.
Itching for a sale
The buyers are lining up, from foreign investment banks and regional banking giants to private equity firms, eyeing a rare good deal.
Even the Chinese have made it here, thanks to Industrial and Commercial Bank of China's $600 million deal last year to buy the Argentine operations of South Africa's Standard Bank.
"The big picture here is that there is a huge amount of capital looking for deals in Latin America," says LAVCA's Ambrose. "The chance to acquire a big group of assets from a European or a US strategic player in the region is a big attractive opportunity, and I would expect to see more deals on the table in the future."
For sure, not all is doom and gloom for western lenders in Latin America. The region remains a highly profitable market, including for the likes of Citi, which is particularly strong in Mexico. Scotiabank's October 2011 Colombia acquisition was its 20th across the region in the past six years; it now operates in 13 countries around the region, with 820 branches.
Others, including the occasional European name, continue to buy in judiciously. UBS invested just over $500 million in Grupo Sura shortly before the Medellín-based bank's ING acquisition, to help boost the latter's numbers.
The baseline figures for the region aren't all bad, either. In a survey on emerging market bank lending, the Institute of International Finance (IIF), which represents the world's largest banks, noted that "strong demand" for credit in Latin America continued to rise. In other words, European bank retrenchment isn't, at least superficially, crimping the ability to raise capital across the region.
That school of thought is backed by recent data from the Bank for International Settlements (BIS). In the first three months of 2012, cross-border claims by UK banks in Latin America were $161 billion, up from $151 billion in the last three months of 2011, and the first rise in three quarters.
Spanish lending into the region was also up over this period, rising to $480 billion, according to the BIS, again the first substantial rise in three quarters, while claims by international banks rose above $1.2 trillion for the first time in nearly a year.
"I would certainly caution European banks against unloading their Latin assets in any across-the-board fashion" Charles Dallara, IIF
This may to some extent temper fears voiced by many, including LAVCA's Ambrose, that the eurozone crisis would lead to a vast withdrawal of liquidity. "There has been a fear across the region, as the European crisis has unfolded, that the likes of a Santander or a BBVA would repatriate or suck a lot of its capital out of these markets," she says.
But others note that the full impact of private sector deleveraging is only just beginning to be felt. IIF chairman Charles Dallara tells LatinFinance that the twin impact of the eurozone crisis and tighter regulation in Europe has "clearly accelerated the process of deleveraging" across emerging markets, including in Latin America.
Western banks have so far avoided making big asset sales in the region unless it became absolutely necessary. Throughout the financial crisis, Latin America has remained a vital source of recurring revenues to the West's ailing lenders.
But much will depend on how the eurozone crisis unfolds. Some believe that European banks are past the worst. "European banks have so far avoided selling the crown jewels," says the IFC's Brujis. "Unless there is a total disaster in Europe, you're unlikely to see big asset sales by European banks in Latin America."
If true, that would be good news for the stability of Latin America's banking industry, which has benefited enormously from European technology over the past two decades, and for increasingly credit-hungry Latin American corporates, whose fortunes have waxed over the past half-decade as the West's have waned.
But not all are so confident in the ability of European policymakers to avoid a spiralling of their financial crisis. The IIF's Dallara, who has had a prominent role representing private creditors throughout the crisis, says: "What worries me most is that the efforts to solve the problems in a fundamental sense are still not coming together." The result, he says, is a scenario that risks leaving Europe "in a quagmire of recession."
"The rather mild relief we've been given in global markets over the last few weeks is likely to disappear fairly soon," Dallara warns.
Still, he cautions against any hasty moves by lenders. "I would certainly caution European banks against unloading their Latin assets in any across-the-board fashion," he says. "Over the next decade or two those institutions that have positioned themselves well to compete in the local markets are going to find those positions pay substantial dividends. I'm rather convinced of that."
Yet Europe, however you cut the facts, is on the retreat. The Reconquista has been reversed in Latin America's favor. And as European banks straggle home, it's the local banking groups that are swooping in to pick up the pieces.
Additional reporting by Taimur Ahmad


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subset: commoncrawl


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BioShock Infinite is set in 1912, players assume the role of former Pinkerton agent Booker DeWitt, sent to the flying city of Columbia on a rescue mission. His target? Elizabeth, imprisoned since childhood. During their daring escape, Booker and Elizabeth form a powerful bond, one that lets Booker augment his own abilities with her world-altering control over the environment. Together, they fight from high-speed Sky-Lines, in the streets and houses of Columbia, on giant zeppelins, and in the clouds, all while learning to harness an expanding arsenal of weapons and abilities, and immersing players in a story that is not only steeped in profound thrills and surprises, but also invests its characters with deep emotional bonds.
Super Gamer Dude
PC Games
BioShock Infinite is the third installment in the BioShock series and although it is not an extension of the story told by the two earlier titles it does have much content that is thematically and conceptually similar.
The story is set in North America in 1912 and most of the action takes place in the 'floating' city of Columbia, whose very name is the personification of American maternal aspect, and whose location is in stark contrast to that of the city of Rapture which, as devotees of the series will know, is underwater. The city was founded as a Nativist ideal and is governed by The Founders a Nativist and Elitist political grouping. The Vox Populi. or the voice of the people, as the name suggests, are a populist grouping who support the poor but are regarded as something of a revolutionary movement. As expected the two sides do not see eye to eye and are in open conflict.
The other problem that the city faces, and perhaps more interesting from a gaming point of view, is the tearing of the spacetime continuum leading to momentary but meaningful glimpses, relative to, and suggestive of other eras.
So much for the overview. What about the specifics? Well, for one thing, the story, though not overly complex, does contain a great deal of character interaction and knowing references, but in outline deals with the rescue by Booker DeWitt of Elizabeth. However, there is much greater depth and meaning woven around this simple story and the characters themselves and their backgrounds are detailed and complicated.
The dramatic hero is Booker DeWitt, and it is he who the player controls. He is a disgraced former Pinkerton National Detective Agency investigator thrown out for his fondness of drink and gambling, but now working as an independent agent. Elizabeth is a highly educated young lady who has been held against her will for most of her life in Columbia. She is controlled by the game's AI, and crucially, can manipulate to some degree the spacetime continuum. Her rescue results in her and Dewitt being pursued by both political factions.
The other main characters are:-
The baddie, Father Zachary Hale Comstock, a religious fanatic and founder of Columbia and hence the Founders. To make things a little more complicated he claims to be Elizabeth's father as the result of the seven day pregnancy of his wife.
The leader of the Vox Populi and servant to Comstock is Daisy Fitzroy, an African American who came to Columbia to start a new life. Given the political orientation of the city, and the political views of her employer, this would seem to be a pretty stupid move.
Robert and Rosalind Lutece, mistakenly thought to be twins but who turn out be two sides of the same persona, pop up constantly throughout the story and are behind some of the city's technology, but are mostly in a sort of unrealized quantum state. They sort of are and then they sort of aren't.
Then there is Cornelius Slate a former soldier and fighting comrade of DeWitt, once a follower of Comstock, who became aware of his underhand dealings and converted to Vox Populi.
There are also many and various enemies in the shape of hard hitting heavies with names like the Handymen, so called because of their immense hands made for throwing things, including their enemies, over long distances. Others are the Boys of Silence, the Motorized Patriots and the Siren, each imaginatively designed and with powerful abilities.
But of course all this is of little worth if the game does not play well or the graphic and audio presentation is poor. So how does it fare?
As with previous BioShock titles it is a first person shooter with some degree of role playing, a wise choice given the popularity of the earlier games. DeWitt moves around Columbia mostly on foot or using a grappling hook and rope to traverse the main arterial routes which connect the city's main buildings which are composed of a system called the Skyline which is a futuristic type rail line in the sky. He is limited to carrying only two weapons at any one time, but these can consist of many different wisely chosen combinations.
Greater powers such as those of telekinesis and controlled use of electricity can be obtained by collecting 'vigors' found in various locations around Columbia. These are attacking abilities and strengths but defensive and damage limiting capabilities are also on offer. Both rely on collection, purchase or other upgrade methods for their accumulation and again require a conscious choice of combination to optimize their effectiveness for a particular task. Once Elizabeth has been rescued her time warping abilities can be used to open up access to ammunition, health packs and the like, not forgetting the all important Salt on which 'Vigors' rely.
Following the general trend of serious gaming, the year by year improvement of graphical presentation, the visual presentation of BioShock Infinite is outstanding in all aspects. The background and incidental music are equal in quality to the graphics, the voice acting being particularly fitting.
BioShock fans will certainly buy the game on the strength of previous titles alone, and newcomers, after playing Infinite will want to take a look at BioShock's other offerings.
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Oct 14, 2014


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Valentine Cupid SVG Cut FileBy CraftBundles.com in Crafters / Celebrations $1
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Nutrition Facts
Servings and Times
Time Saving Tip: Start boiling potatoes for potato salad before preparing burgers.
Ingredients and Preparation
- In a medium bowl, mash beans with a fork into a paste-like consistency. Stir in onions, breadcrumbs, and jerk seasoning. Form bean mixture into 2½-inch thick patties.
- Heat oil in a large nonstick skillet over medium to medium-high heat. Add patties to pan, and cook for about 3-5 minutes on each side, until browned and crisp.
- Spread 1 tablespoon mayonnaise on one side of each bun. Arrange burgers, red onion slices, and lettuce leaves on buns, and serve.


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It feels like Taylor Swift's all-conquering Red era is still in full swing, but Tay Tay's already looking firmly ahead to album number five in the new year. In a recent interview with Entertainment Weekly to promote her One Chance hit, "Sweeter Than Fiction," the songstress dished a few nice details about the new disc -- and hinted at a couple of high-profile collaborations.
On the possibility of working with fun. guitarist Jack Antonoff, again:
There's a huge chance of that happening again. ["Sweeter Than Fiction"] is the first time that Jack Antonoff and I had collaborated. We had been friends for awhile, because I'm really good friends with [Antonoff's girlfriend Lena Dunham] and the three of us are always hanging out.
On who she wants to work with:
I'm kinda obsessed with Sia. Always have been.
On the album's sound:
Hmm. Describing it is difficult. At the core of what I do, it's always going to revolve around a confessional storyline and filling my fans in on what my life has actually been. It's become this lifeline between me and my friends and they know that no matter what they read in some magazine, they're going to hear the actual accounting of it when the album comes out. I've always written songs for the same reason — to sort through my emotions. As I grow up, the lessons I learn in love and relationships and how we treat each other are hopefully maturing — hopefully.
On a possible release date:
They would be so mad at me if I told you what I have in my head as far as the plan goes, and I hate to say a plan and then change it. A great deal of what will happen this year has to do with what will happen this next month. But for me writing the next record, it usually takes me awhile to find the new sound. It usually takes me a year to shed the last album's sound and start anew. And this one just started on new territory.
And there you have it. By the way, you can probably expect Tay Tay's new album around October of next year, since that's when she releases all her albums.
[Via Music-Mix]


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TOWLE, Tony
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About this Item
Bibliographic Details
Title: North
Publisher: Columbia University Press, New York and London
Publication Date: 1970
Binding: Hardcover
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Signed: Signed by Author(s)
Edition: 1st Edition
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$4 million gift will strengthen jazz program
A $4 million gift from Anthony H.P. Lee, a member of the class of 1979, will enhance the study and performance of jazz at Princeton, significantly expanding the University's ability to support performances and develop innovative research and teaching in this uniquely American and broadly influential art form.
"This generous gift will play a transformative role in the future of jazz performance and scholarship at the University," said President Shirley M. Tilghman. "The new jazz program is an important and integral part of Princeton's vision for the arts across the curriculum."
The gift will support the Anthony H.P. Lee '79 Fund for the Study of Jazz, which will provide resources for undergraduate and graduate research, coursework, and visiting faculty in the Department of Music and the Center for African American Studies.
"Anthony Lee has made it possible for our jazz program to take a quantum leap forward," said Scott Burnham, professor of music and chair of the Department of Music. "His gift will expand the program in every conceivable direction: performance opportunities, master classes, professional residencies and high-level multidisciplinary courses."
The jazz program is led by Senior Lecturer Anthony D.J. Branker, a 1980 Princeton graduate who is a renowned musician and the well-known conductor of its award-winning jazz ensembles. Students are involved in the program in a variety of ways, studying the rich cultural legacy of jazz, playing in concerts, participating in master classes, pursuing independent projects, and benefiting from residencies and performances with internationally known jazz artists.
"Jazz is a musical tradition that has long been recognized by our global society for its historical significance, artistic innovation and far-reaching influence," said Branker. "Princeton is now poised to take an important step forward in the domain of jazz education. On behalf of all past and current students of jazz at Princeton, whose creative talent and spirit have inspired us throughout the years, I want to thank Anthony for helping to ensure our program's future. This is simply a dream come true for all of us."
Valerie Smith, the Woodrow Wilson Professor of Literature and director of the Center for African American Studies, added, "Given the importance of jazz in African American, American and world culture, and the importance of African American culture and African American musicians in jazz culture, study of this musical art form should be a central part of Princeton's curriculum. Jazz scholarship presents one of the most exciting study opportunities for our students."
Lee, who studied mathematics as an undergraduate and now is a private investor based in Sydney, Australia, said, "Jazz has been my passion since I discovered it in my father's record collection at a young age. I am delighted to have this opportunity to support the development of Princeton's program. The future of this original American art form at Princeton is indeed very bright, under the leadership of Anthony Branker."


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The Oregon Farm Bureau handed out numerous awards during its annual meeting in Bend in December, and Barry Bushue was elected to an eighth two-year term as bureau president.
Bushue, who runs a family berry, flower basket and nursery operation near Boring, also is vice president of the American Farm Bureau Federation. Peggy Browne of Baker County was elected to a third two-year term as second vice president, and Mickey Killingsworth of Jefferson County was elected chair of the bureau's Women's Advisory Council.
Awards presented during the annual meeting included:
Distinguished Service – To sheep rancher Lynne Barnes and his late wife, Ethelma; forestry researcher Mike Newton of Oregon State University; grass and vegetable seed researcher Mike Weber of OSU; and rangeland researcher Doug Johnson of OSU.
President's Award – To Ron Bjork, president of the Jackson County Farm Bureau, for outstanding service and leadership.
Service to Agriculture – To Lisa Hanson, deputy director of the Oregon Department of Agriculture and a nationally-recognized sheep breeder.
Oregon Farm Bureau Hall of Fame – Gary Harris, a Jefferson County vegetable and grass seed grower; and Malheur County sugarbeet grower Lou Wettstein.
Outstanding County Farm Bureau Secretary – Ellen Williams of Douglas County.


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At this time of year, we take a day to spend with family and friends and recognize what we have to be thankful for in our lives. I am so thankful for my family. Maria, Vivien and Harrison have all added so much joy to my life.
United Way of Southwest Colorado is thankful to the staff, board of directors, partner agencies and donors for the loyal support we receive each and every year, including:
We are thankful for Bruce Johnson. Bruce runs our operations from a home office for Montezuma and Dolores counties. He has been on our team since 2006 and is a true gem for his community and United Way. Thank you, Bruce.
United Way is thankful for Lisa Jensen. Lisa covers Archuleta County for United Way and works as a part-time employee to raise more than $80,000 for her community. Working in concert with our volunteer Advisory Council, Lisa has been a great addition to our team. Thank you, Lisa.
United Way is thankful for Christine Imming. Christine is our finance director, and she makes sure any donation you make is recorded properly, that donors are thanked, that we send out charitable donation receipts and that payments against pledges are applied correctly. Christine is a great mother to three boys and has a great husband who is also very involved in our community. Thank you, Christine.
United Way is thankful for Annie Satariano. Annie has been at United Way since 2008 and has worn many different hats for us. From special projects coordinator, to fundraiser, to grant-maker, to serving on the USA Pro Cycling Challenge event committee, Annie does it all with style and grace. She is also a loving mother and gives back to her community in many ways outside of her work at United Way. Thank you, Annie.
United Way is thankful for our board members who serve this organization and our community. Our current board members are Joe Kusar, Tiffany Valencia, Randy Hagen, Heath Corley, Tom Crabb, Mark Donahue, Ward Holmes, Sue Kaiser, Sarada Leavenworth, Jennifer Lopez and Jay Wood. I also want to thank recently retired board member Livia Lynch for her service.
United Way is thankful for our partner agencies that are helping us achieve our goals in education, self-reliance and health. Organizations such as Seeds of Learning, Pinon Project, Doves Nest, La Plata Youth Services, Tri County Head Start, American Red Cross, Volunteers of America, Womens Resource Center, Axis Health Systems and San Juan Basin Health Department are making a huge difference in our communities each day, every day of the year. Thank you for your service.
United Way also thanks the local businesses that are so generous to many great causes in our area. There are too many to list here, but I especially want to note the Southern Ute Indian Tribe, BP, Williams, Century Link, UPS, First National Bank of Durango, Bank of Colorado, Southwest Memorial Hospital, Empire Electric, Pagosa Mountain Hospital and the Wells Group for their loyal support.
We live in a wonderful part of the world, and I feel lucky to be here and to be able to serve our community through United Way. Thank you, Southwest Colorado, and I hope you all have a great Thanksgiving!
Tim Walsworth is president and CEO for United Way and a member of the Durango High Noon Rotary Club


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Genre: Thriller
Plot: The title of this movie is The Small Hand which was first released in the year 2019 and takes part in the thriller genres. You can enjoy the N/A minutes of it here, on FMovies, for free. As far as the storyline goes you can watch the trailer. FMovies provided a link for this movie where you can watch it in HD.


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Hi Everyone!
I previously published a notice via this blog on September 21, 2010 of the upcoming Lake County Genealogical Society Annual Conference that is going to take place on Saturday, November 13, 2010.
I thought I would just re-publish this information again since it is more current to the actual day of the event.
The society puts on a great annual conference with top-notch speakers and topics. You will not be disappointed. If you have not attended a local, all-day conference, this is a good one to attend.
What follows in this post after the line of "+" signs was posted on September 21, 2010.
Tony Kierna
Genealogy Coordinator
Schaumburg Township District Library
After visiting and re-visiting the Lake County Genealogical Society website, I do now see that they have current online information regarding their upcoming 18th Annual Genealogical Workshop on Saturday, November 13, 2010.
I had received a paper handout of their upcoming program but I wanted to share the information electronically. Unfortunately, their web site had not been updated with this program information. Now it is updated and I can more easily direct you to the information.
This is an all-day conference that is taking place at the Cultural and Civic Center of Round Lake Beach that is located at 2007 Civic Center Way in Round Lake Beach, IL. A contact phone number for the program is 847-201-9032.
Registration and browsing of materials starts at 8 AM.
Programs run from 9 AM until 3:30 PM.
Guest speakers for the day are D. Joshua Taylor, MLS and Dan Niemiec.
Josh Taylor is presenting 4 programs during the day and Dan Niemiec is presenting 3 programs during the day.
It looks like the costs for the program are:
- $35.00 if you are a member of the society (program registration prior to October 15, 2010)
- $40.00 if you are not a member of the society (program registration prior to October 15, 2010)
- $45.00 (program registration after October 15, 2010)
It does not mention that they accept "walk-ins" on the day of the program but societies generally will allow such a process but may indicate that you are on your own for lunch. You would pay the highest fee on that day.
Please use the following link that will get you directly to the PDF file that has all of the information about the day including the registration material, program titles and times, speaker biographies and directions.
Check out all of the details at:
I have been to their programs some time back and I always felt that they had top-notch speakers. I would definitely recommend attending this annual event.
I know you will enjoy the day.
Tony Kierna
Genealogy Coordinator
Schaumburg Township District Library


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Save for a break at Thanksgiving, the next month at Fort Lewis College brims with musical events. Almost every day through Dec. 8 has a concert, senior recital, ensemble or symphony program.
Many events are free or charge a nominal fee. Like my fellow columnist Bryant Liggett, I believe the FLC Music Department offers the best musical buys in town. Some highlights, not including tonights recital by artist-in-residence Rebecca Penneys which Liggett covered in his Friday Downtown Lowdown:
The FLC Jazz and Percussion Ensembles will unveil their big fall programs right after Thanksgiving in the Community Concert Hall. If you cant get to anything else this fall, these are worth a trip to the Ivory Mesa.
The Jazz Ensemble performs music by the Buddy Rich Big Band, Mob Mintzer, Bill Holman and Dave Brubeck. Jazz violinist Nathan Lambert will perform a Duke Ellington jazz standard, Dont Get Around Much Anymore, then showcase various jazz styles in Chuck Owens E Ticket. Lambert is a man of many talents. Hes concertmaster and assistant conductor of the San Juan Symphony, executive and artistic director of the Four Corners Youth Symphony, violinist of the Red Shoe Piano Trio, and hes on the FLC music faculty.
Two days later, the Percussion Ensemble will give its first concert of the year. For traditionalists, melodic works by the Mallet Keyboard Ensemble include a chorale, at least one folk song and a suite of Renaissance carols.
But with the title DRUM, you can expect plenty of energizing and exploratory music. The ensemble will pay tribute to the late Led Zeppelin drummer, John Bonham, in a work by Christopher Rouse simply called Bonham. In addition, the group will play a new work called Sharps, by Brian Nozny, followed by this intriguing title, Toccata Without Instruments, by Ramon Meyer.
Completely new this year is the Skyhawk Strikeforce Drumline. Created by Jonathan Latta, professor of percussion studies at FLC, the drumline will play three works that have mesmerized fans on the playing fields at FLC Pickled Beats, Picnic Table and Gorilla.
A couple of free post-Thanksgiving student recitals will feature senior voice majors Megan Lopez and Rachel Pollock. Lopez will perform Nov. 30 and Pollock Dec. 2, both in Roshong Recital Hall. The solo student recitals are always free. The bigger ensemble concerts are often in the Concert Hall and charge a whopping $5 for general admission and $1 for students.
Next month, you can catch two more that happen to be free, in no small part because theyre in Roshong Recital Hall. The Woodwind Ensemble plays Dec. 5, and the Brass and String Ensembles on Dec. 6. The Music Departments huge annual Holiday Bash will take place Dec. 7, again for the phenomenal cost of $5/$1.
Judith Reynolds is a Durango writer, artist and critic. Reach her at email@example.com.


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