text:
/ Person - Louis Mountbatten, Earl Mountbatten of Burma
Louis Mountbatten, Earl Mountbatten of Burma
(1900-1979), Admiral of the Fleet
Great-grandson of Queen Victoria, Mountbatten joined the navy in 1913 and rose rapidly up the ranks to command HMS Kelly in 1939. He was Chief of Combined Operations (1942-3), Supreme Allied Commander, Asia (1943-6), the last Viceroy of India (1947) and Chief of Defence Staff (1959-65). He was assassinated by an IRA bomb in 1979.
Louis Mountbatten, Earl Mountbatten of Burma; Edwina Cynthia Annette (née Ashley), Countess Mountbatten of Burma
by Madame Yevonde
Vivex colour print, 1937
NPG P871(4)
by Yousuf Karsh
bromide print, 1941
NPG P252
NPG P490(54)
Louis Mountbatten, Earl Mountbatten of Burma; Jawaharlal Nehru; Edwina Cynthia Annette, Countess Mountbatten of Burma
by Henri Cartier-Bresson
by John Ulbricht
On display in Room 32 at the National Portrait Gallery
by Bern Schwartz
dye transfer print, 16 June 1977
NPG P1215
by Arnold Newman
colour dye transfer print, 1978?
dye transfer print, 25 April 1978
George Mountbatten, 2nd Marquess of Milford Haven; Louis Mountbatten, Earl Mountbatten of Burma
by Lafayette
Louis Mountbatten, Earl Mountbatten of Burma; George Mountbatten, 2nd Marquess of Milford Haven
by Olive Edis
platinum print on photographer's card mount, 1920
by Hay Wrightson
whole-plate film negative, 1920s
whole-plate autochrome, 1920
NPG x7199
Princess Alice of Greece and Denmark (sister)
Norton Louis Philip Knatchbull, 8th Baron Brabourne (grandson)
Amanda Patricia Victoria (née Knatchbull), Lady Ellingworth (granddaughter)
Lady Pamela Carmen Louise Hicks (née Mountbatten) (daughter)
Hon. Michael John Ulick Knatchbull (grandson)
Louis Alexander Mountbatten, 1st Marquess of Milford Haven (Prince Louis of Battenburg) (father)
Queen Louise of Sweden (née Lady Louise Alexandra Marie Irene Mountbatten) (sister)
George Louis Victor Henry Sergius Mountbatten, 2nd Marquess of Milford Haven (brother)
Edwina Cynthia Annette (née Ashley), Countess Mountbatten of Burma (wife)
Patricia Edwina Victoria Knatchbull, 2nd Countess Mountbatten of Burma (daughter)
Princess Victoria Alberta Elisabeth Mathilde Marie (née Princess of Hesse), Marchioness of Milford-Haven (mother)
Hon. Joanna Edwina Doreen Zuckerman (née Knatchbull) (granddaughter)
Armed Forces and Intelligence Services
The Great War: Navy
Blue plaque, 2 Wilton Crescent, Belgravia, London SW1X 8RN
Broadlands, Romsey, Hampshire
Louis Mountbatten, Earl Mountbatten of Burma in the Oxford Dictionary of National Biography


Terrific post, good reading for anyone thinking to work solo. I like that you're adjusting your approach based on lessons learned, if you continue to do that I think there is a good chance you succeed! Hearing, really hearing, what the customer expects is the start of winning (they just don't always tell you clearly).
Found this on Reddit. Love how you have summarized almost all the major "issues" and "benefits" of being self-employed. Certainly gives a bird's eye view of how it actually is without any sugarcoat. As someone who relates to this, all I can say is keep your head up and continue what you're doing. You'll be all right.
I just wanted to say congratulations for having the courage it takes to pull off something like this. Even if it only lasts one year. I've been down this road and it's hard working for yourself. The only thing that can make it bearable a little while longer is having a partner or partners. And if you can find the time and power in you to search for an hire people, then it might turn into a good thing, but freelancing by yourself is undoubtedly a very hard thing to do.


BigMouth Inc. is the creative force behind an exclusive line of novelty items, targeting practical jokers of all ages. With hysterical items always in development, BigMouth Inc. guarantees something fun for everyone. Their fantastic selection of unique gag gifts includes: quirky toys, funny mugs, drink koolers, retirement gags, party supplies, pool inflatables, and much more!
Speaking of pool floats, perhaps you have seen some of these floating around social media this summer! Some of my favorites include the Gigantic Donut Pool Float and the Pink Flamingo Pool Float shown above. They make such a statement and look fabulous in photos! Although summer has ended, I am looking forward to enjoying my own Smarties Inflatable Pool Noodle next year.
The Smarties Noodle Pool Float inflates to 5' long, so it can be enjoyed by anyone. This officially licensed pool float is great for the pool, lake or beach. It is so colorful and yet also so practical! Who wouldn't love a giant pool noodle inspired by candy?!
BigMouth has a large and hilarious selection of funny mugs. Does someone on your gift list have a coffee addiction? Get them The Prescription Coffee Mug. Does someone on your gift list love video games? Get them the Game Over Ceramic Mug.
The Game Over Coffee Mug looks like video game controller. A great gift item for any gamer, it holds up to 12 oz. When you get to the bottom of the ceramic mug, it says Game Over. The Game Over Mug is the ideal cup for the coffee-fueled gaming fanatic in your life! As long as there's coffee in this mug, you still have a chance to beat that next level.
Is there a fisherman on your gift list? Give them the Giant Big Mouth Bass Mug. Reel in the caffeine with this mug from BigMouth Inc.! Standing approximately 8 Inch tall, you're sure to yell you caught one big bass. This mug isn't just for the fisherman in your life, it's beautifully crafted of high quality ceramic and has an artistic look.
There are plenty more creative and humorous gifts for you to check out! As long as your gift recipient has a sense of humor, there is something for everyone. BigMouth, Inc. gifts are great options for stocking stuffers and white elephant gifts, too!
BigMouth, Inc. is featured in my 2015 Holiday Gift Guide.
Connect :: Visit bigmouthinc.com to check out their exclusive line of high-quality novelty items for practical jokers of all ages. Connect with BigMouth, Inc. via Facebook, Twitter, and Instagram.
Buy It :: You can purchase gag gifts from BigMouth Inc. via Amazon and other retailers. Get the Smarties Inflatable Pool Noodle for $15, the Game Over Mug for $10, and the Giant Big Mouth Bass Mug for $15.


Thought I'd enter the challenge on the Elizabeth Craft Design blog using Negative parts of die cuts... I love using negatives BIG GRIN.
Your quilling is always a thing of beauty, Yogi, and those negative cuts sometimes work out as well as the positives, as you've clearly shown here. Pretty card!
This is a really beautiful card. Thank you for joining us at Make My Monday. Sian.
Beautiful card-love your quilling! Thanks for joining us at Die Cut Diva's this month!
What a great card! I haven't been able to master the whole quilling thing but looks like you have! It's lovely! I love all those pearls around your sentiment too! Thanks for playing along with us this week at Penny's and we hope to see you again!
Oh my goodness, what a gorgeous card. Love the quilled flowers and addition of the pearls. Thanks for joining the Sisterhood's "The Letter B" challenge.
Just beautiful Yogi! Your quilling is gorgeous! Thanks so much for joining us at The Sisterhood's 'The Letter B' challenge and please come back again soon!
Beautiful quilling, I'm not sure I have enough patience to do it. Thanks for joining us at Make My Monday.
Beautiful card! I love colors! Thank you for joing us at Scrapy Land Challenge!
Fabulous card! Love the technique! Thank you for joining us at Penny's Challenges.
I love that flower and your design.Thanks so much for sharing it with us at Dies R Us Challenge Blog. Please join us in future challenges.
A fab easel card with a gorgeous background! Thanks so much for joining us at CCCB!
Beautiful quilling flowers on your stunning card! Glad you joined Digistamps4Joys and see you again.
Wow, this is gorgeous! Your quilling work is truly amazing. Thank you for joining our challenge over at The Paper Shelter. We hope to see you again!
This is a beautiful creation with great attention to detail and perfect for our 'ANYTHING GOES with an optional twist of WEDDINGS challenge. Thanks for sharing your talent with us. Good luck.


If you were just arrested for DUI, we created this worksheet to help you plan the best way to fight the charges pending against you. Criminal defense attorneys who focus on DUI offer a free consultation to discuss your case. Bring this worksheet with you to the meeting.
This article was last updated on Friday, January 11, 2019.


"Let's talk about this Trump family because it's not just him... I call them the Romanovs," Matthews remarked on Wednesday.
MSNBC's Chris Matthews on Wednesday compared the Trump family to the Russian royal family the Romanovs during the 2017 Aspen Ideas Festival.
The Romanovs were the last royal family, and their Bolshevik captors brutally executed them, marking one of the most seminal events of the 20th century, which eventually lead to the creation of the Soviet Union.


Lake Buchanan was formed by the construction of the Buchanan Dam by the Lower Colorado River Authority. The lake provides water supply for the region and hydroelectric power. Buchanan Dam was completed in 1939. Lake Buchanan was the first of the Texas Highland Lakes to be formed, it is also the largest.
The lake is named for Representative James P. Buchanan, who is credited with attaining the funding to build the lake and dam.
Lake Buchanan has been stocked with several species of fish, including largemouth bass, catfish, white bass, and striped bass. Lake Buchanan is a level-controlled reservoir and is not allowed to flood during periods of heavy rain.
The Lower Colorado River Authority maintains three parks on the lake: Black Rock Park, Cedar Point Recreation Area, and Canyon of the Eagles which provide boating access to the lake.


Rajender is a school teacher at the primary school in one of the hamlets surrounding Budhpura. Almost 30 children in class are paying great attention to what he writes on the school board. "So much has happened here over the past few years", he says, "around four years ago almost no child came to school". The most important reasons? Parent's lack of awareness about the importance of education and the lack of good quality schools.
Local ngo Manjari went into the hamlets to reach out to parents and to improve the access to education and its quality. With success: nowadays 90% of children from this hamlet goes to school and the schools have improved facilities. "A good education means a chance of getting a better job and consequently a better future for these children", says Rajender, "that's well worth committing myself to".


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Lisa Suennen, aka the Venture Valkyrie Joins Manatt Health
Fri Dec 14, 2018 By: Antoine Tags: lisa suennen manatt health venture valkyrie
Two months ago, Lisa announced she was leaving GE Ventures, where she was Senior Managing Director, to do something new. This week, she announced that she was putting on her "big boots," under the umbrella of Manatt Health.
Lisa Suennen, aka the Venture Valkyrie has been many things in one ranging from investor, advisor, and podcaster to board member, mentor, mother and wife. Lisa is viewed by many as the Renaissance Woman of Healthcare as she slices and dices healthcare and technology, places bets on the best of them, and deploys a whole lot more tools in her Mary Poppins-rich toolbox.
While she's best-known for being a very visible woman in health-technology investing and building venture funds, Lisa is social media savvy well beyond the profiles of those in her tech-investing peer group. Lisa started the Venture Valkyrie blog in 2010. The Tech-Tonics podcast, co-hosted with David Shaywitz, was an early entrant into that medium, launching in 2015.
Lisa is a mentor, both out-and-proudly and quietly, too. Long understanding and experiencing life as a woman in tech in Silicon Valley, well before media covered stories, Lisa co-founded CSweetener. The organization matches women healthcare leaders to mentors, a supportive clearinghouse to help grow and empower women in tech. CSweetener also curates a Speakers Bureau to help alleviate the ongoing challenge of "manels" (men on panels) at technology meetings.
Lisa's also a frequent public speaker, in both the U.S. and globally. In the past few months, she's traveled to Australia and Ireland, for example, to spread her knowledge about digital health and technology to healthcare providers, investors, and innovators.
In an interview with a popular health blogger, Lisa explained her reason for choosing Manatt from a broad range of rich trove of possible futures.
She synthesized the many reasons into one over-arching response: joining Manatt would afford her, she said, "the opportunity to combine the familiar with the new, and do it in a setting that provides many degrees of freedom."
Manatt has offices around the U.S., and so gives Lisa the geographic bandwidth to explore and inform healthcare from coast-to-coast. Manatt has operations in Albany (NY), Chicago, Los Angeles, New York, Orange County (CA), Palo Alto, Sacramento, San Francisco, and Washington, DC. And now, Mill Valley, CA.
A recent article in the American Lawyer discussed Manatt's evolving business model and portfolio of services, moving from a law firm to an integrated health advisory organization. Lisa will be part of this ongoing evolution of Manatt as a professional services firm across many industries from healthcare to financial services, music and media — with a venture fund in the mix, as well, an important aspect of Lisa's job description in the firm.
What does she see achieving serious growth on the health care and technology front over the next 3 to 5 years? Four key areas are in her radar:
• Voice as user interface, as a tool to free doctors from computer screens, provide older people access to things they don't have, and enable simple queries for parents. "Voice is a big democratizer," Lisa believes. "Alexa et. al. can speak in multiple languages."
• IoT (Internet of Things), Lisa foresees, will feature sensors in "everything:" medical devices, products, medications, among them. We'll also see more and more connected health data in the IoT ecosystem for different applications.
• AI will have more health-evidence supporting its adoption, perhaps, she expects, the first AI-developed FDA approved drug, Lisa expects.
• Another key development to watch: the massive vertical integration going on among the various stakeholders in healthcare across providers, payors, tech, medtech and pharma. (THINK: CVS + Aetna, Apple aligning with LabCorp and Quest, and Walmart potentially purchasing a health plan).
When asked what would be the most exciting thing about the next phase of her career, Lisa said it would be "reconnecting with her enthusiasm for growing and building things." "I haven't been doing that for a while. While I've been helping other organizations build and grow from the sidelines. I can now enjoy being back to owning something. It's energizing!" she said.
Several U.S States Utilize Restrictive Telemedicine Policies
Report: CHIP, Medicaid integral in fostering social, emotional well-being of children

redpajama_set_name: RedPajamaCommonCrawl


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Denis Villeneuve in talks for 'Dune' reboot
By Jeremy Kay2016-12-21T16:06:00+00:00
The Canadian auteur, deep into production on Blade Runner 2049 and riding high on critical and commercial success with awards contender Arrival, is in early talks with Legendary.
Villeneuve is circling the Dune remake after Legendary acquired rights to the classic sci-fi property from the Frank Herbert estate last month.
David Lynch famously directed a 1984 feature version for Dino De Laurentiis Company that starred Kyle MacLachlan.
Dune was also turned into a mini-series starring William Hurt that aired on The Sci-Fi Channel in 2000.
The story centres on the scion of a desert world who leads a rebellion to take back the planet.
Although sources stressed to Screen that talks were in early stages, Villeneuve's interest comes as no surprise.
"I'm doomed, I love sci-fi," he told Screen in a separate interview. "I have two more ideas now that I would love to do. [And] Blade Runner could go on… we'll see how this one goes."
Blade Runner 2049 is scheduled to open next October. Arrival has grossed $142m worldwide.
'Blade Runner 2049' will be R-rated, confirms Denis Villeneuve


FIRST CLOVER LEAF FINANCIAL CORP.
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý. No ¨.
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ¨. No ¨.
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨. No ý.
The information contained in the accompanying consolidated financial statements is unaudited. In the opinion of management, the consolidated financial statements contain all adjustments necessary for a fair statement of the results of operations for the interim periods. The results of operations for the interim periods are not necessarily indicative of the results which may be expected for the entire fiscal year. These consolidated financial statements should be read in conjunction with the consolidated financial statements of First Clover Leaf Financial Corp. (the "Company" or "First Clover Leaf") for the year ended December 31, 2008 contained in the 2008 Annual Report to Stockholders that is filed as an exhibit to the Company's Annual Report on Form 10-K.
Reclassifications have been made to certain balances, with no effect on net income or stockholders' equity, for the nine months ended September 30, 2008, to be consistent with the classifications adopted for the nine months ended September 30, 2009.
Amortization expense on the core deposit intangible for the three and nine months ended September 30, 2009 was $108,000 and $369,000, respectively and $85,000 and $317,000 for the comparable periods in 2008.
Management evaluates the investment portfolio on at least a quarterly basis to determine if investments have suffered an other-than-temporary decline in value. In addition, management monitors market trends, investment grades, bond defaults and other circumstances to identify trends and circumstances that might impact the carrying value of equity securities.
At September 30, 2009, the Company had 14 securities in an unrealized loss position which included: 10 U.S. government sponsored agency obligations, two corporate bonds, and two mortgaged-backed securities. The unrealized losses resulted from changes in market interest rates and liquidity, not from changes in the probability of contractual cash flows. The Company does not intend to sell the securities, and it is not more-likely-than-not that the Company will be required to sell the securities prior to recovery of amortized cost. Full collection of the amounts due according to the contractual terms of the securities is expected; therefore, the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2009.
The amortized cost and fair value at September 30, 2009, by contractual maturity, are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. Therefore, stated maturities are not disclosed.
Securities with a carrying amount of approximately $90,320,000 and $86,796,000 were pledged to secure deposits as required or permitted by law at September 30, 2009 and December 31, 2008, respectively.
(1) Includes loans held for sale of $925,120 and $240,000 at September 30, 2009 and December 31, 2008, respectively.
Basic and diluted earnings (losses) per share represents net income (loss) available to common stockholders divided by the weighted average number of common shares outstanding. Employee stock ownership plan shares which are committed to be released are considered outstanding for basic and diluted earnings (losses) per share.
The Company has an employee stock ownership plan (ESOP) which covers substantially all employees who have attained the age of 21 and completed one year of service. In connection with its initial stock offering in 2004, the Company loaned funds to the ESOP for the purchase of its common stock at the initial public offering price. The loan is being repaid based on a variable interest rate over 20 years beginning December 31, 2004. All shares are held in a suspense account for allocation among the participants as the loan is repaid. Shares are released for allocation to participants based upon the ratio of the current year's debt service to the sum of total principal and interest payments over the remaining life of the note. Shares released from the suspense account are allocated among the participants based upon their pro rata annual compensation. The purchase of shares by the ESOP was recorded by the Company as unearned ESOP shares in a contra equity account. As ESOP shares are committed to be released to compensate employees, the contra equity account is reduced and the Company recognizes compensation expense equal to the average fair market value of the shares committed to be released. Compensation expense of $16,244 and $49,409 was incurred for the three and nine months ended September 30, 2009, respectively and $18,927 and $60,229 for the comparable periods in 2008.
Dividends on unallocated ESOP shares, together with Company contributions, are used by the ESOP to repay principal and interest on the outstanding note.
In June 2009, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update No. 2009-01 (formerly Statement No. 168), Topic 105 – Generally Accepted Accounting Principles - amendments based on-Statement of Financial Accounting Standards No. 168 -The FASB Accounting Standards Codification™ and the Hierarchy of Generally Accepted Accounting Principles. The Codification is the single source of authoritative nongovernmental U.S. generally accepted accounting principles ("GAAP"). The Codification does not change current GAAP, but rather it is intended to simplify user access to all authoritative GAAP by providing all the authoritative literature related to a particular topic in one place. The Company adopted this standard for the interim reporting period ending September 30, 2009. The adoption of this statement did not have a material impact on the Company's financial condition, results of operations or cash flows.
On January 1, 2010, the Company will be required to follow the new disclosure guidance in FASB Accounting Standards Codification ("ASC") Topic 860, Transfers and Servicing, which is related to transfers of assets. This guidance is intended to improve the information provided in financial statements concerning transfers of financial assets, including the effects of transfers on financial position, financial performance and cash flows, and any continuing involvement of the transferor with the transferred financial assets. The Company is currently evaluating the impact of adopting the guidance.
FASB ASC Topic 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet. Fair value is determined under the framework established by ASC Topic 820, Fair Value Measurements and Disclosures. ASC Topic 825 excludes certain financial instruments and all non-financial instruments from its disclosure requirement. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The following information presents estimated fair values of the Company's financial instruments as of September 30, 2009 and December 31, 2008 and the methods and assumptions used to estimate those fair values.
Cash and cash equivalents: The carrying amounts of cash and cash equivalents approximate fair values.
Interest-earning time deposits: Due to the short term nature of these deposits, generally three months or less, the carrying amounts of these deposits approximate fair values.
Securities: When available, quoted market prices are used to determine the fair value of investment securities and such items are classified within Level 1 of the fair value hierarchy. An example is U.S. Treasury securities. For other securities, the Company determines fair value based on various sources and may apply matrix pricing with observable prices for similar bonds where a price for the identical bond is not observable. Securities measured at fair value by such methods are classified as Level 2.
Federal Home Loan Bank stock: The Company is required to maintain these equity securities as a member of the Federal Home Loan Bank of Chicago and in amounts as required by this institution. These equity securities are "restricted" in that they can only be sold back to the respective institution or another member institution at par. Therefore, they are less liquid than other tradable securities and their fair value is not readily available.
Loans: Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial real estate, residential mortgage, indirect and other consumer loans. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and non-performing categories. The fair value of fixed rate loans and non-performing loans is estimated by discounting future cash flows using discount rates that reflect the Company's current pricing for loans with similar characteristics, such as loan type, credit risk, pricing and remaining maturity.
Accrued interest receivable: The carrying amount of accrued interest receivable approximates its fair value.
Deposit liabilities: The fair values disclosed for demand deposits (savings) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The carrying amounts for variable-rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Federal Home Loan Bank advances: The fair value of variable rate Federal Home Loan Bank advances approximate carrying value. The fair value of fixed rate Federal Home Loan Bank advances are estimated using discounted cash flow analyses based on current rates for similar advances.
Securities sold under agreements to repurchase: The carrying amounts of securities sold under agreements to repurchase approximate fair value.
Subordinated debentures: The fair value of fixed rate trust preferred debentures are estimated using discounted cash flow analyses based on current rates for similar advances.
Accrued interest payable: The carrying amount of accrued interest payable approximates its fair value.
In addition, other assets and liabilities of the Company that are not defined as financial instruments are not included in the above disclosures, such as property and equipment. Also, nonfinancial instruments typically not recognized in financial statements nevertheless may have value but are not included in the above disclosures. These include, among other items, the estimated earnings power of core deposit accounts, the trained work force, customer goodwill and similar items.
The Company determines the fair market values of its financial instruments based on the fair value hierarchy established in ASC Topic 820, Fair Value Measurements and Disclosures, which requires an entity to maximize the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value.
etc.) or inputs that are derived from or corroborated by market data by correlation or other means. Level 3 inputs are unobservable inputs for determining the fair value of assets or liabilities that reflect an entity's own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
Impaired loans that are collateral dependent have been written down to the fair value of the collateral, less estimated costs to sell, of $27.8 million through the establishment of specific reserves or by recording charge-offs when the carrying value exceeds the fair value of the collateral. Valuation techniques consistent with the market approach, income approach, and/or cost approach were used to measure fair value and primarily included observable inputs for the individual impaired loans being evaluated such as recent sales of similar assets or observable market data for operational or carrying costs. In cases where such inputs were unobservable, the loan balance is reflected within the Level 3 hierarchy. The calculated valuation amount does not necessarily represent the fair value of the loan. Management believes it is more likely than not that a workout solution or liquidation of the collateral is the best use of the asset and therefore has measured fair value based on the underlying collateral of the loan. If management were to sell the impaired loan portfolio to a third party instead of liquidating the collateral, the measurement of fair value could be significantly different.
As noted in Note 11, an implied fair value of goodwill was measured for the reporting unit, in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first step, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. The fair values disclosed in Note 9 reflect the estimated fair values of the assets and liabilities assuming the sale of those assets and liabilities to a willing third party.
The company reported goodwill from its acquisition of Clover Leaf Bank in 2006 in the amount of $9.4 million and its acquisition of Partners Bank in 2008 in the amount of $11.3 million, for a total of $20.7 million in goodwill. In accordance with ASC Topic 350, Intangibles-Goodwill and Other, goodwill and intangible assets with indefinite useful lives are no longer amortized, rather they are assessed, at least annually, for impairment. The Company tests goodwill for impairment on an annual basis as of September 30, or more often if events or circumstances indicate there may be impairment. Management has determined that the Company has only one reporting unit for purposes of evaluating goodwill.
As outlined in ASC Topic 350, the goodwill impairment analysis involves a two-step test. Step one includes two valuation methodologies; (i) the comparable transactions approach, and (ii) the control premium approach. The first valuation methodology, used to identify potential impairment, involves comparing the fair value of the reporting unit to its carrying value including goodwill. If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired. If the carrying value exceeds fair value, there is an indication of impairment, and the second valuation methodology is performed to measure the amount of impairment. The second valuation methodology involves calculating an implied fair value of goodwill for the reporting unit, in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first valuation methodology, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the carrying value of the reporting unit goodwill exceeds the implied fair value of the goodwill, an impairment charge is recorded against earnings for the excess.
As a result of ongoing volatility in the financial industry, primarily a decline in pricing ratios recently paid in the sale or merger of banking franchises, and the corresponding decline in the industry based control premiums, First Clover Leaf determined it was necessary to perform an interim goodwill impairment test during the second quarter of 2009. An independent third party was engaged to assist with the impairment assessment. The two step valuation approach was performed as of June 30, 2009, and the results indicated that goodwill was impaired. As a result, a non-cash goodwill impairment charge of $9.3 million was recorded as of June 30, 2009. The impairment charge was included in noninterest expense and did not affect our regulatory or tangible capital ratios.
Effective September 30, 2009, we performed our annual goodwill impairment test. Upon completion of the first step of the goodwill impairment test, the fair value of the reporting unit was less than its carrying value by approximately $300,000. As such, the second step of the goodwill impairment test was required to determine the amount of impairment loss, if any. The second step is being completed with the assistance of an independent valuation firm and the preliminary results indicate that no further goodwill impairment loss is necessary, beyond what was recorded as of June 30, 2009. The preliminary results show an increase in non-performing loans during the third quarter, which resulted in assigning a lower fair value to certain of the Company's net assets in the second step of the goodwill impairment test as compared to their carrying amounts. This increased the implied fair value of goodwill to an amount greater than the recorded amount. We will complete the second step of the goodwill impairment test in the fourth quarter and if our preliminary results change such that a goodwill impairment loss is required, we will record that loss in the fourth quarter.
Due to the current economic environment and other uncertainties, it is possible that our estimates and assumptions may adversely change in the future, and we may be required to record additional goodwill impairment losses in future periods. It is not possible at this time to determine if any such future impairment loss would result or, it if does, whether such charge would be material. However, any such future impairment loss would be limited to the remaining goodwill balance of $11.4 million at September 30, 2009. Subsequent reversal of goodwill impairment losses is not permitted.
Events occurring subsequent to September 30, 2009, have been evaluated as to their potential impact to the financial statements through November 12, 2009, the date of filing this Form 10-Q.
On October 27, 2009, the Board of Directors of the Company declared a cash dividend on the Company's common stock of $0.06 per share for the quarter ended September 30, 2009. The dividend will be payable to stockholders of record as of November 13, 2009 and is expected to be paid on November 20, 2009.
When used in this Form 10-Q, the words or phrases "will likely result," "are expected to," "will continue," "is anticipated," "estimate," "project" or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties including changes in general economic conditions, either nationally or in our market areas, that are worse than expected; competition among depository and other financial institutions; inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments; adverse changes in the securities markets; changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to successfully integrate acquired entities, if any; changes in consumer spending, borrowing and savings habits; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board; changes in our organization, compensation and benefit plans; changes in our financial condition or results of operations that reduce capital available to pay dividends; and changes in the financial condition or future prospects of issuers of securities that we own, that could cause actual results to differ materially from historical earnings and those presently anticipated or projected. The Company wishes to caution you not to place undue reliance on any such forward-looking statements, which only speak as of the date made. The Company wishes to advise you that the factors listed above could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.
We consider accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. Management makes significant estimates and has identified the allowance for loan losses and goodwill and other intangible assets as critical accounting policies.
The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
The allowance consists of specific and general components. The specific component relates to loans that are classified as doubtful, substandard or special mention and also considered to be impaired. For such loans an allowance is established when the fair value of the collateral, less estimated costs to sell, is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors.
A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and construction loans by the fair value of the collateral if the loan is collateral dependent.
Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures, unless such loans are the subject of a restructuring agreement.
Goodwill and Other Intangible Assets. Over the past several years, First Clover Leaf has grown through acquisitions accounted for under the purchase method of accounting. Under the purchase method, First Clover Leaf was required to allocate the cost of an acquired company to the assets acquired, including identified intangible assets, and liabilities assumed based on their estimated fair values at the date of acquisition. The excess cost over the net assets acquired represents goodwill, which is not subject to amortization.
Customer relationship intangibles are required to be amortized over their estimated useful lives. The method of amortization reflects the pattern in which the economic benefits of the intangible assets are estimated to be consumed or otherwise used up. Since First Clover Leaf's acquired customer relationships are subject to routine customer attrition, the relationships are more likely to produce greater benefits in the near-term than in the long-term, which typically supports the use of an accelerated method of amortization for the related intangible assets. Management is required to evaluate the useful life of customer relationship intangibles to determine if events or circumstances warrant a change in the estimated life. Should management determine that the estimated life of any intangible asset is shorter than originally estimated, First Clover Leaf would adjust the amortization of that asset, which could increase future amortization expense.
Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. Goodwill recorded by First Clover Leaf in connection with its acquisitions relates to the inherent value in the businesses acquired, and this value is dependent upon First Clover Leaf's ability to provide quality, cost effective services in a competitive market place. The continued value of recorded goodwill is impacted by the value of our stock and continued profitability of the organization. In the event that the stock price experiences significant declines or the operations of the company lack profitability an impairment of goodwill would need to be recognized. Any impairment recognized would adversely impact earnings in the period in which it is recognized.
First Clover Leaf utilizes a two step valuation approach to test for goodwill impairment. We estimate the fair value as of the measurement date utilizing two valuation methodologies including the comparable transactions approach, and the control premium approach. We then compare the estimated fair value to the current carrying value to determine if goodwill impairment had occurred as of the measurement date. Future events, such as adverse changes to First Clover Leaf's business or changes in the economic market, could cause management to conclude that impairment indicators exist and require management to re-evaluate goodwill. Should such re-evaluation determine that goodwill is impaired, the resulting impairment loss recognized could have a material, adverse impact on First Clover Leaf's financial condition and results of operations. In accordance with current accounting guidance, management has determined that the Company has only one reporting unit for purposes of evaluating goodwill. See Item 1 Note 11 for additional information on goodwill impairment.
Net income decreased to $211,000 for the three months ended September 30, 2009 from $645,000 for the same period last year. This decrease was due primarily to an increase in provision for loan losses, an impairment loss on assets related to a building held for sale, and higher expenses for compensation and FDIC insurance premiums offset by higher net interest income. For the nine months ended September 30, 2009, First Clover Leaf recorded a net loss of $7.5 million compared to net income of $1.8 million for the same period in 2008 due primarily to the $9.3 million goodwill impairment charge recorded as of June 30, 2009. Net interest income increased $3.5 million over the prior period. During the nine-month period of 2009, we incurred a $356,000 impairment loss on assets, a $280,000 FDIC special assessment charge, and also experienced higher expenses for compensation and employee benefits and occupancy as a result of the opening of a new branch in June 2008 and the acquisition of Partners Bank in October 2008. We also experienced higher expenses for provisions for loan losses, regular FDIC insurance premiums, and professional fees.
Total Assets. Total assets decreased to $602.9 million at September 30, 2009 from $653.3 million at December 31, 2008. Total cash and cash equivalents decreased to $54.9 million at September 30, 2009 from $67.1 million at December 31, 2008. The decrease in cash and cash equivalents was due primarily to a decrease in cash and due from banks as the balance in our securities sold under agreements to repurchase decreased $25.5 million. Securities available for sale decreased to $96.5 million at September 30, 2009 from $103.6 million at December 31, 2008. The decrease was due primarily to calls, maturities and pay-downs of $100.6 million, partially offset by purchases of $92.5 million. Loans, net amounted to $414.9 million at September 30, 2009, compared to $430.9 million at December 31, 2008. This decrease was a result of loan paydowns and maturities exceeding new loan originations. Due to the current economic environment, new loan demand, especially in the commercial real estate market, is not as strong as it has been in prior periods. Goodwill decreased to $11.4 million at September 30, 2009 from $20.7 million at December 31, 2008. This decrease was a result of a $9.3 million impairment charge recorded in June 2009.
Total Liabilities. Deposits decreased slightly to $445.1 million at September 30, 2009 from $447.3 million at December 31, 2008. Securities sold under agreements to repurchase decreased to $29.6 million at September 30, 2009 from $55.1 million at December 31, 2008. The change in securities sold under agreements to repurchase was due primarily to fluctuations by one significant customer. This type of fluctuation is a normal occurrence for this customer. Federal Home Loan Bank advances at September 30, 2009 were $40.7 million compared to $50.0 million at December 31, 2008.
Stockholders' Equity. Stockholders' equity decreased to $79.6 million at September 30, 2009 from $93.7 million at December 31, 2008, principally as a result of a $7.5 million net loss which included a $9.3 million goodwill impairment charge recorded in June 2009 that did not impact our regulatory capital ratios, including our classification as "well capitalized." Stockholders' equity was also reduced as a result of the repurchase of $5.7 million of the Company's common stock, and the payment of cash dividends of $1.5 million during the nine months ended September 30, 2009.
The Company has experienced an increase in nonperforming loans due to the current economic slowdown. Detailed information concerning the Company's nonaccrual, impaired and substandard loans is described in the paragraphs that follow. Overall, the Company has a very limited number and value of what would be classified as high risk loans. The Company does not originate subprime loans and holds a very small number and dollar value of ARM products. The Company does hold some junior lien mortgages and high loan-to-value ratio mortgages; however, they total a very insignificant portion of our loan portfolio. The Company is reviewing these loans regularly and has not seen any increase in the delinquency trends for these products. Our allowance for loan loss methodology has remained consistent. As commercial loans mature and requests for renewals are processed, either a new appraisal is obtained or the Company performs an internal valuation of the collateral based on comparable sales. Additionally, the original appraisal is discounted if the Company believes it is warranted.
At September 30, 2009, the Company's nonaccrual loans increased $5.7 million to $11.3 million from $5.6 million at December 31, 2008, while other impaired loans increased $16.7 million to $17.9 million from $1.2 million at December 31, 2008. The increase in nonaccrual loans was a result of nine loans being reclassified to nonaccrual status. The largest loan is a $1.9 million loan to a real estate investor, who is experiencing high vacancy rates and property repairs resulting in decreased cash flows due to the economic slowdown. The borrower is currently working with a management company to decrease the vacancy rates. The next largest loan is a $1.4 million loan to a commercial contractor whose project has been adversely impacted by the current economic slowdown. The next largest loan is a $750,000 real estate development for single family residences. This is a new development that, due to economic conditions, has had a very slow start. The next largest loan is a $674,000 loan to a real estate developer. This loan is in the process of being restructured. The remaining balance is made up of small credits, each less than $500,000. Appraisals have been obtained for all of the above mentioned credits and shortfalls are being reserved through provisions for loan losses.
The increase in other impaired loans was due to the addition of several accounts that were all related to investment real estate. The largest credit reclassified to impaired loans was a $6.9 million credit to a builder with excess inventory. This loan is secured by residential investment property for which appraisals have been obtained. Currently the collateral on this loan is sufficient to cover the majority of the outstanding balance, and sufficient reserves have been set aside for the remaining outstanding balance. The next largest loan is a $3.9 million development loan to a subdivision developer with excess inventory that is selling slowly due to the economic slowdown. The loan is secured by the residential property, and the appraisal for the property has been reviewed and updated to reflect current market conditions and sales values. The next three largest relationships are a $2.1 million credit to a commercial contractor, a $2.0 million credit secured by residential investment property, and a $1.6 million credit to a residential builder. The $2.1 million credit is to a builder whose situation has been impacted by the current economic slowdown and other business issues. This credit is currently being evaluated for a possible restructuring arrangement. The $2.0 million credit is secured by rental property for which vacancies have increased substantially, and the $1.6 million credit is secured by single family residences. The Company has appraisals on all of the aforementioned properties. The appraised values are sufficient to cover the outstanding balance on two of the credits, and reserves have been allocated for the shortfall in the appraised value of the remaining credit. The remaining $1.6 million increase in impaired loans is made up of several properties that each have outstanding balances of less than $1.0 million.
Under the Company's internal review policy, loans classified as substandard totaled $27.8 million at September 30, 2009 and $6.1 million at December 31, 2008. The $21.7 million increase was due to the reclassification of several real estate related accounts that had been previously classified as special mention, but due to no significant improvement in their financial condition since year end, we have elected to downgrade the credits to substandard. The largest addition was a $6.9 million credit to a builder with excess inventory (as discussed above). This loan is secured by residential investment property for which recent appraisals have been obtained. The next largest loan is a $3.9 million development loan to a subdivision developer with excess inventory that is selling slowly due to the economy (as discussed above). The loan is secured by the residential property. The appraisal has been reviewed and updated to reflect current market conditions and sales values. The next four largest relationships are (i) a $2.1 million credit to a commercial contractor (as discussed above), (ii) a $2.0 million credit secured by residential investment property (as discussed above), (iii) a $2.0 million credit to a real estate builder and developer, and (iv) a $1.3 million credit to a real estate broker. The $2.1 million credit is to a builder whose project has been impacted by the current economic slowdown.
This credit is currently being evaluated for a possible restructuring arrangement. One of the $2.0 million credits is secured by rental property for which vacancies have increased substantially, and the remaining $2.0 million credit is secured by residential and commercial real estate. A restructuring of this last credit has been proposed to the borrower and is currently being evaluated. The $1.3 million credit is primarily secured by commercial real estate. The borrower in this case is struggling with decreased cash flows. The remaining $2.7 million increase in substandard loans is made up of several properties that each have outstanding balances of less than $1.0 million.
The allowance for loan losses to non-performing and impaired loans, which is listed in the "Asset Quality Ratios" table in Item 1 Note 5, decreased significantly to 17.46% at September 30, 2009, compared to 51.71% at December 31, 2008. This decline is due to the large increase in non-performing loans that did not require proportionate reserves under our allowance methodology. The loans that were reclassified to impaired loan status were previously classified as special mention loans. Loans classified as special mention are not evaluated individually for loan loss reserves. The loan loss reserve for special mention loans is calculated on a percentage allocation, which is based on the Company's historical loss performance adjusted for qualitative factors. Once a special mention loan is reclassified to an impaired or substandard loan, they are evaluated individually with consideration being given to vacancies, market stabilization, cash flows and appraisals. Specific loan loss reserves are allocated to each loan based on the above conditions. Of the loans that were reclassified to impaired status in the third quarter of 2009, the majority required little to no special allocation of loan loss reserve. Therefore, our loan loss reserve balance did not increase proportionately to the increase in the volume of non-performing loans.
General. Net income decreased by $9.3 million to a $7.5 million loss for the nine months ended September 30, 2009 compared to $1.8 million in net income for the same period last year. The decrease in net income was due primarily to a $9.3 million goodwill impairment charge, discussed above. Despite the overall net loss due to the above charges, the Company recorded higher net interest income and non-interest income for the three and nine months ended September 30, 2009 compared to the same periods in 2008.
Yields on all interest-earning assets declined for the nine months ended September 30, 2009 compared to the same period in 2008 due to the interest rate cuts instituted by the Federal Reserve. These rate cuts resulted in declining yields in our loan portfolio, as a significant number of our loans are adjustable-rate loans that reprice according to the prime rate changes. The rate cuts also impacted our interest-earning deposits with depository institutions as those assets also have adjustable-rates versus fixed rates. The declining rate environment has resulted in a number of the bonds in our securities portfolio being called and the Company reinvesting the proceeds in lower yielding bonds. We continue to attempt to absorb the effects of the interest rate cuts through lowering the rates we pay on deposits. However, a significant number of our interest-bearing deposits are time deposits, which are fixed-rate contracts until maturity that do not allow for immediate repricing as rates fluctuate. Overall, further downward pressure on interest rates is unlikely to benefit our net interest margin or net income.
The results for the three and nine months ended September 30, 2009 reflect the October 2008 acquisition of Partners Bank, which had $170.0 million in assets, $101.6 million in loans, and $108.7 million of deposits at the time of acquisition.
Net interest income. Net interest income increased by $1.0 million to $3.9 million for the three months ended September 30, 2009 from $2.9 million for the same period last year. Net interest income increased by $3.5 million to $11.8 million for the nine months ended September 30, 2009 from $8.3 million for the comparable period in 2008. Net average interest-earning assets were $71.4 million for the nine months ended September 30, 2009, compared to $76.3 million for the same period in 2008. The ratio of interest-earning assets to interest-bearing liabilities decreased to 113.68% for the nine months ended September 30, 2009 from 123.63% for the same period in 2008. The net interest rate spread increased to 2.36% for the nine months ended September 30, 2009, compared to 2.06% for the comparable period in 2008. The average rate earned on interest-earning assets decreased by 100 basis points for the nine months ended September 30, 2009 to 4.78% from 5.78% for the same period in 2008, while the average rate paid on interest-bearing liabilities decreased by 130 basis points during these periods. The increase in the interest rate spread was attributable to the cost of funds declining faster than the yield on interest-earning assets.
The following tables set forth the average balance sheets, average yields and costs, and certain other information for the periods indicated. No tax-equivalent yield adjustments were made, as the effect thereof was not material. All average balances are daily average balances. Non-accrual loans were included in the computation of average balances, but have been reflected in the table as loans carrying a zero yield. The yields set forth below include the effect of deferred loan fees, discounts and premiums that are amortized or accreted to interest income or expense. Yields and rates have been annualized.


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If you gain weight, I'll leave you: 15 alert signs in a relationship
He never said I was his girlfriend because allegedly, he doesn't want to label people. At the end of our relationship I told him that I missed him, and he told me that he met someone. He already had a girlfriend, and this is one of 15 unpleasant experiences from which you should learn.
At the beginning of a relationship when excitement is biggest, it's difficult to foresee partner's flaws. At this honeymoon stage couples don't see the character of their other half well, which is why they often don't notice alarm signs. People simply ignore them until it is too late. Here are all 15 experiences:
1. We never went to her apartment, we were always at my place. In the end it turned out that she was still married.
2. She told me: 'Our relationship is more than friendship, but less than a relationship'.
3. No business meeting lasts until 11.30 p.m., I should have known better.
See also: HOROSCOPE SIGNS IN BAD MOOD: CAPRICORN DOUBTS EXISTENCE OF HAPPINESS, SCORPIO DEFENDS HERSELF FROM MELANCHOLY WITH HUMOR
4. During our first fight she took a bottle of whiskey and started drinking just to heat up the fight. It should have been the first sign that something was wrong.
5. He constantly wanted to cuddle, in bed, in front of the TV ... If I wanted to do something alone, he accused me of ignoring someone who loves me. That was weird.
6. I caught my girlfriend writing to her ex that she still loved him. I got over it. I caught her second time, and again went over it. She didn't post anything that relates her to me on her Facebook page, and when I posted a surprise I prepared for her on Valentine's Day, she asked me to delete it. The final straw was when she invited her ex to the ceremony of awarding a diploma.
7. I should have known something was wrong when she refused to admit we were together in public.
8. First sign for alarm? Well, when she called me and asked why I didn't call, and before that we were together in the theater and on a dinner.
9. He told me: 'If you gain weight, I'll leave you'. Eventually I married him and realized that he was a manipulative jerk. What a surprise.
10. She cheated on her ex-boyfriend with me, but it won't happen to me. Of course it happened.
11. She constantly spoke to or texted her ex-boyfriend. It didn't bother me until she left me to get back with him.
12. He never said that I was his girlfriend because he allegedly didn't want to label people. At the end of our relationship I told him that I missed him, and he told me that he met someone. He had a girlfriend.
See also: HOROSCOPE REVEALS SOLUTION TO LOVE QUARRELS: APOLOGIZE TO VIRGO, LET CAPRICORN UNDERSTAND FOR HIMSELF THAT HE WAS WRONG
13. We almost never had sex. I assured myself that it was just a phase, but it wasn't. It was the end.
14. My girlfriend and soon to be ex-wife has a very close relationship with her family, but their way of communication is based on insults. I thought we would get through this together and that I will get on with them better. Finally, they destroyed our relationship and our love. And she still thinks it's normal.
15. Her friends are terrible, and I thought she wasn't until she cheated on me.
Zodiac signs and ideal partner: SCORPIO NEEDS A PASSIONATE MAN, Aquarius an adventurer...
Women born in this sign are the queens of the Zodiac: These eight facts confirm that!
His Zodiac sign reveals exactly how he will play you
Virgo will have a problem with the lack of ambition in a partner, Taurus don't like disrespect, Sagittarius laziness
WOMEN OF ZODIAC and expectations in marriage: Gemini want the full package, and Libra to be cherished
Horoscope for temptresses: Woman Taurus is fatal, Leo is dominant and women born in the sign of Capricorn conquer by being cold
Men revealed why some girls are for a relationship, and some just for pleasure in bed
Test your personality: Check out if your sign and antecedent match
GREAT WINTER HOROSCOPE: WE HAVE EXCITING PERIOD AHEAD OF US
MAN FOR WHOLE LIFE: If your loved one passes these four tests, feel free to marry him, because he was Godsent!
Horoscope: How to get close to each sign the easiest and conquer it for good
Do you want a relationship without drama? Women in these three horoscope signs are never jealous
Ten sentences that kill a relationship
What's hiding behind three main traditions at weddings


This DVD is designed to give you 11 months of Dog Bite Safety Talks. It gives you a subject for every month.
How to protect yourself from a pack of dogs!
This is a quick and fun training tool that will give you loads of information for pretty much every problem you may run into.


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You friends are important, life wouldn't be the same without them. We celebrated friendship in our community and it was such a pleasure to see all the wonderful photos of you all enjoying one another's company. A winner for the contest has been drawn. Linda won a gift card to treat her friends to dinner at Portland City Grill for her clever photo from a girl's trip in Eastern Oregon. Congratulations! We hope you enjoy a delicious meal on us.
To win one of your own fun prizes from our team, make sure to keep up to date on Facebook for information on future contests.