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95 Cards in this Set
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What are the three forms of trust?
1- Express Trust
2- Resulting trusts
3- Constructive trusts
* The express trust is the only real trust, the other 2 are just equitable remedies
Express trusts defined
a legal device that allows an owner of property to make transfers of property and to have those assets managed on behalf of someone else (rather than have the beneficiary manage the money by himself or herself)
Who is the settlor and what does he have?
The person who creates the trust, has legal title to manage the money
Who are the beneficiaries and what do they have?
equitable title to enjoy the distributions from the trust
What are the 2 kinds of express trusts
1- Lifetime trust, set up during the lifetime of the person who created the trust, who we call the settlor of the trust (also called an inter vivos trust)
2- Testamentary trust, set up in the settlor's will
What are the 8 requirements for a valid trust
1- Settlor (creator) who makes a
2- Delivery of legal title to
3- Property (also called res, or corpus, or principal) to a
4-Trustee who holds legal title for the benefit of a
5- Beneficiary (or beneficiaries) with
6 intent to create a trust for
7- a lawful purpose
8- in a validly executed document
Is consideration required to create a trust?
The settlor can be
anyone 18 or older, with the capacity to enter into contracts
Delivery must be
Titled assets must be formally transfered for delivery to be valid
Property (res) can be
almost anything, but must be property that the settlor owns, not just a mere expectancy of ownership in the future
Property must be
identified, not just subject to future determination
Who can and cannot be a trustee for lifetime and testamentary trusts?
for a lifetime trust, almost anyone can be a trustee since no court involvement is needed for such trusts
For a testamentary trust created under court supervision, anyone can be a trustee except for those who cant:
1- those under 18
2- Judically declared incompetents
3- convicted felons
4- those incapable because of drunkenness, dishonesty, want of understanding, or improvidence
Can a non-resident alien serve as a trustee?
Only if
1- That person is related (either decedent's spouse, the grandparent, or the decendant of the grandparent of decedent; or descendant decedent's spouse, or the spouse of any of them) AND
2- a NY resident serves as co-fidutiary
What happens if the trust fails to name a trustee?
The court can appoint someone
Beneficiaries must be
definite and ascertainable, no ambiguity.
If ambiguous, the trustee hodls in a resulting trust for the residuary beneficiary of a will (or intestate heirs in absence of a valid will)
a beneficiary listed as someone's "family" or "next of kin"
is considered definite and ascertainable and the trust does not fail; consult the intestacy statutes for the name of the persons who fit the description in the trust
Define intestacy
When a decedent dies without a valid will and their estate property is distributed pursuant to a state statute
The Settlor must indent to
create an enforceable obligation, precatory (non-binding) language is not enough
Trustee must be given
duties to perform; if trustee has no duties to perform, it is called a passive trust which is no trust at all
Using the word trust is interpreted as
not showing intent to create a trust; look at all language and all the facts to determine intent
"lawful purpose" means
1- a trust cannot call for the commission of a crime
2- a trust cannot call for the destuction of property
3- a trust cannot have a condition against public policy
(not restricting marriage or promoting divorce)
BUT if a purpose can be found that is not offensive to public policy then it is valid
Marriage restrictions to members of a certain religion or ethnic group
are valid as permissible partial restraints on marriage
Trust execution:
must be in writing, signed by settlor and trustee and either
1- acknowledged by a notary public OR
2- signed by two witnesses
All trusts are presumed to be
irrevocable unless the trust explicitly authorizes revocation
The main requirement for a revocable lifetime/inter-vivos trust
at least one beneficiary who is not the settlor; settlor cannot be the sole beneficiary when also named the trustee
The settlor can play many roles (4)
1- trustee
2- income beneficiary for life
3- settlor's estate can be one of the beneficiaries of the principal so long as there is at least one other beneficiary
4- settlor can retain the power to terminate or ammend the trust
reasons to have a revocable lifetime/inter-vivos trust
1- manages assets efficiently, particularly usint a professional trustee
2- helps plan for possible incapacity by avoiding guardianship since trustee will already have access/title
avoids probate (no part of the principal of a trust goes through the settlor's estate in probate)
reasons to have a revocable lifetime/inter-vivos trust
1- manages assets efficiently, particularly usint a professional trustee
2- helps plan for possible incapacity by avoiding guardianship since trustee will already have access/title
avoids probate (no part of the principal of a trust goes through the settlor's estate in probate)
Pour over gifts are
testamentary gifts (made in a will) to an existing revocable trust, it avoides wil formailties in the trusts
Trusts can be changed during the
lifetime of the settlor; somewhat easier than changing a will
Key requirements for a "pour-over" gift to a trust to be valid
1- the trust must be in existance or
2- executed concurrently with the will
Pour-over is not limited to trusts created by the settlor, but it can be
to any existing trust including those executed by other persons
pour-over gifts are valid even if
unfunded or partially funded during settlor's lifetime
There are two ways an insured can make life insurance proceeds payable to a trust
1- insured can create an unfunded revocable insurance trust and name the trustee of the trust as policy beneficiary
2- have the trust be a testeamentary trust and have the life insurance policy contract name "'the trustee named in my will" as the life insurance policy beneficiary
*proceeds of savings accounts or pension plans can be handled the same way as life insurance proceeds
Totten trust is
a bank account in the depositor's name "as trustee for" a named beneficiary, also called a bank account trust
Two key things to remember about Totten trust accounts
1- depositor makes deposits and withdraws as he or she wishes during the depositor's lifetime
2- beneficiary has no beneficial interest during the depositor's lifetime, but gets whatever is in teh account when the depositor dies
To create a totten trust
no particular words are required ("in trust for")
four ways to revoke a totten trust
1- withdraw all the money in the account
2- express revocation made during lifetime by depositor making a writing naming the beneficiary and the financial institution, and having the revocation notified and delivered to the bank
*any missing elements make the whole attempted revocation invalid
3- revocation in a will; must comply with the same requirements for revocation during lifetime
4- death of a beneficiary also results in having the totten trust revoked and the money in the account goes free and clear to the depositor
Change of totten trust beneficiary can be made by
depositor, but it must be done the same way as the revocation
*Notarized statement sent to the financial institution naming the old beneficiary and the new one
Creditors of the totten trust depositor
can reach the totten trust account balance, either before or after the depositor's death since it is a form of revocable trust revoked partially each time a withdrawal is made
Joint Bank accounts that are not totten trust, after on eof the parties to the account dies, can anyone block the money from going to the survivor of the joint tenancy?
If clear and convincing evidence shows that a survivorship was not intended when the account was established and that the account was opened only as a matter of convenience to the depositor, then the survivorship language can be set aside.
this is a hard requirement to satisfy
Each joint account holder owns
half of the joint account, no matter who deposits the moeny and if one person makes teh entire deposit it is considered a gift of one half to the other account holder
Three reasons to give a gift under the Uniform Transfers to Minors Act (TUMA)
1- it avoids a guardianship proceeding
2- it avoids a trust and court supervision of a trust
3- it qualifies for the $13,000 pr donee annual exclusion from federal and state gift tax
Gifts under TUMA must be made
to a custodian and it must specify that it is made under the NY Uniform Transfers to Minors Act
UTMA gifts can be made in
a will so long as the same required statutory language is used
Duties of an UTMA custodian
1- hold, manage and invest the property under a prudent person standard
2- pay over to the minor or for the minor's needs what part of the property that the custodian deems advisable and
3- pay what is left of the property to the minor when the minor turns 21 with a post- Jan 1, 1997 gift or 18 with a pre-Jan 1, 1007 gift
UTMA creates a
special statutory conservatorship, where teh custodian does not hold legal title, the minor holds title. it is not a trust
UTMA Tax consequences
1- If donor names him or herself as custodian then the amount of the gift is includible in the custodian's gross estate for federal and state estate taxes
2- If donor names someone else as custodian than the amount of the gift is not includible
5 things to remember about charitable trusts
1- must have indifinite beneficiaries and they must be a reasonably large group (not specific, named persons as beneficiaries but a trust for masses for relatives is ok)
2- must be for a charitable purpose (health, education, and religion)
3- may be perpetual, are not subject to the RAP which indirectly limits the duration of trusts
4- Cy Pres can be used to change the trust if the stated purpose of the charitable trust can no longer be accomplished, or the designated charity goes out of existence, the court may use this to make the trust be as near as possible to what the settlor wanted
5- The Attorney General has the duty of representing the beneficiaries of charitable trusts in the state
AG's duty of representing the beneficiaries of charitable tursts
1- the AG is an indispensible part to any suit on construction or enforce
2- the AG and the donor have standing to sue to enforce the trust's terms
NON-Trusts, that are called trusts, but are NOT trusts
1- Honary trusts
2- Constructive trusts
Honorary trusts
where no human being is teh beneficiary of a private trust
Residuary estate definition
whatever remains in the probate estate after the payment of specifically designated gifts of items or cash
A private trust must have a
human beneficiary EXCEPT
1- pet trusts- a valid pet trust can last for no longer than the duration of the pet's lifetime
2- Someone designated in the will or appointed by the court, can enforce the trust and make sure the trust's purposes are carried out
2- Cemetary trusts- for the pepertual care and maintenance of cemetaries and burial plots are classified as charitable trusts and are OK, even though they have no human beneficiaries. Since they are called charitable trusts, there is no RAP problem
Constructive trust is a
flexible equitable remedy designed to disgorge unjust enrichment that results from wrongful conduct.
The trustee's only duty is to convey the property to the person who, in equity, should have the property
Resulting trust is
an equitable remedy
Purchase Money Resulting Trust is recognized
in the vast majority of states, but NOT in NY
Purchase Money resulting Trust only arises when
a purchaser buys property and has title put in someone elses name (who is not a relative); later purchaser claims no gift was intended and asks title holder for title to the property and the title holder refuses to give it up
Purchase Money Resulting Trust allows the purchaser to
compel the title holder to give up title; NOT in NY!
In NY, there is an exception to the no Purchase Money Resulting Trust Rule:
If there is clear and convincing evidence that the grantee had expressly or impliedly promised to reconvey the land to the purchaser, then a constructive trust can be imposed to benefit the purchaser
Statutory spendthrift rule protects a trust beneficiary's interest from creditors by
prohibiting voluntary or involuntary transfer of the beneficiary's interest
NY has a special statutory rule that prtects all
income interest in trusts with spendthrift protection even if the trust instrument does not contain a spendthrift clause, but this just applies to income from the trust, not principle
To provide spendthrift protection to the remainder beneficiary (the one who gets the principal) the spendthrift clause must
be expressly stated in the trust
Typical Spendthrift clause language
"No beneficiary of this trust shall have the power to assign his or her interest, nor shall such interest be reachable by the beneficiary's creditors by attachment, garnishment, or other legal process"
Effect of the spendthrift clause (statutory or expressly stated in the trust):
keeps creditors at bay
5 Major exceptions to spendthrift clauses to remember
1- creditors who furnish necessities (food, clothing, shelter)
2- child support and alimony
3- federal tax liens
4- express income beyond that needed for support and education (a last resort remedy; have to show all other possible remedies have been exhausted, what is needed for support is based on the lifestyle of the beneficiary)
5- the 10% levy provided by CPLR Ss 5205(e) available to creditors- all creditors together share the levy, it is not 10% per creditor
Self-Settled Trust Rule as a big limitation on a spendthrift clause
1- spendthrift protection does not apply to any interest retained by the settlor
2- Settlors cannot hide out from their own creditors but they can protect other beneficiaries
3- All revocable trusts are fair game for settlor's creditors; even if the settlor has no immediate financial interest in teh trust, but settlor retained the power to revoke, then the trust offers no protection atl all against creditors of the settlor
Trust modification by trustees and/or beneficiaries is appropriate
only when the objectives of teh truwt would be defeated or substantially impaired if the trust is not modified
2- the purpose of teh trust comes first, overriding any specific directions in the trust
Two level trust modification test
1- find out the primary intent of the settlor regarding trust purposes
2- Look at specific directions in teh trust instrument to determine whether, because of changes in circumstances, those specific directions in the trust would now frustrate the primary intent of the trust; IF SO, then those directions can be changed by the court.
3- the court can authorize the invasion of the principal if the income is not enough to carry out the settlor's purpose of the trust
Trust termination by the settlor in NY
hard to terminate; they are irrevocable unless the power to revoke and amend is expressly reserved in the trust instrument
EXCEPTION: a settlor can terminate an irrevocable trust if all beneficiaries in being consent; this is often impossible because no one can give consent for any beneficiary who is a minor or who is incompetent
Beneficiaries must be born alive to count here; for purposes of trust termination, a child in gestation is not regarded as a person
If a trust gives property to heirs or next of kin, that interest is not considered a beneficial interest and thus no consent need be obtained from them (as they cannot be ascertained until the decedent's death)
Trustee's Powers: NY fiduciary Powers Act (FPA) controls, sets out powers that can be exercised by
a trustee without court order and without express authorization in the trust
FPA controls not only what a trustee of a trust can do, but also
what an executor or administrator of a decedent's estate can do
In NY, trustee can do
almost anything:
1- sell any real or personal property
2- mortgage property
3- lease property
4- make ordinary repairs
5- contest, compromise or settle claims
6- do almost anything to manage the corpus of the trust
Trustees cannot
1- Engage in Self-Dealing
2- Borrow money on behalf of the trust
3- continue a business
- Trustee is liable for lossees incurred by the business unless trustee has court approval to continue the business
The 5 prohibitions on self-dealing
1- trustee cannot buy or sell trust assets to him/herself: an absolute rule; no wiggle room
2- Trustee cannot borrow trust funds: another absolute rule
3- Trustee cannot lend money to the trust: absolute rule, any interest earned on such a loan must be returned to the trust, and any security given for the loan is invalid
4- Trustee cannot profit from serving as trustee (except for appropriate trustee fees); trustee cannot take advantage of confidential information received while trustee
5- Corporate trustee cannot buy its own stock as a trust investment
The two affirmative duties on self-dealing
1- duty to segregate trust assets from personal assets
-Remedy for violation of this duty:
a. If commingled funds are used to buy an asset and the asset goes down in value, there is a conclusive presumption that personal funds were used
b. If the asset goes up in value, there is a presumption that trust funds were used
2- Duty to earmark trust assets by titling them in trustee's name
Remedies for breach of fiduciary responsibilities
1- Beneficiary can sue to remove the trustee
2- Beneficiary can ratify the transaction and waive the breach
3- Beneficiary can sue for any possible losses, an action to recover losses to the trust is called a surcharge
No further inquiry rule:
Breach of a fudiciary duty by engaging in self-dealing is an automatic wrong and no further inquiry need be made
1- good faith is NOT a defense
2- reasonableness is NOT a defense
If trustee engages in a prohibited transaction, such as self dealing and sells trust proprty to a third party, the beneficiary
cannot sue the purchaser of property from the trustee if the purchase was a BFP for value without notice
Actions against a third party when trustee engages in self dealing: to keep a purchaser from being a BFP and thus making the purchaser liable to the beneficiary, the purchaser
not only has to know that she was dealing with a trustee but that the trustee was engaging in self dealing
Self-dealing rules also apply to loans or sales to a
relative of the trustee; or to a business of which the trustee is an officer; employee; partner; or principal shareholder
Exculpatory clauses cannot
be used to shield trustee from liability for breach of a fiduciary duty in a testamentary trust because relieving an executor or testamentary trustee from liability for negligence is void as against public policy
Exculpatory clauses can be
used in a lifetime or inter vivos trust
Personal liability of trustee in contract
1- How trustee signed contract is key to determining liability:
a. If trustee signed only on behalf of the trust, no personal liability
b. If trustee signed personally and merely mentioned the trust, then trustee has personal liability
2- even if there is personal liability the trustee will be reimbursed by the trust if two things are satisfied
a. The contract was within the powers of the trustee AND
b. Trustee was acting in the course of proper administration of the trust
Personal liability of trustee in tort
1- Trustee is personaly laible for all torts by the trustee or trustee's employees
a. Absolute, no exceptions
b. To deal with this liability trustee should buy liability insurance and charge the cost to the trust
2- Trustee can get reimbursement from the trust for any tort claims if two requirements are satisfied:
a. Trustee must have been acting within trustee's powers AND
b. Trustee was not personally at fault
Trustee's investment power
Trustee must manage the property of the trust on behalf of the beneficiary and this means the investment of the corpus of the trust
Trustee's investment power in NY
NY has adopted teh Uniform Prudent investor Act (UPIA); this gives a broad latitude to trustees to choose investments
Trustee can prusue what UPIA calls the modern portfolio theory of investment, where
the trustee creates a custom-tailored investment strategy for this particular trust
Two key factors to remember regarding trustee's investment powers
1- trustee must consider the role each investment plays within the overall trust portfolio
2- Trustee must consider the expected total return from income and capital gain
Trustee does not have to justify
the prudence of each investment looked at by itself; can balance off risky speculative investments against safe, conservative investments
Specific things to remember regarding trustees investment power (2+)
1- Prudence is not measured by hindsight; look at the decision to invest when made, not later; trustee does not have to have a crystal ball
2- Trustee can exercise adjustment and allocate capital gains to income
- Trustee can switch capital gains into the income category if necessary to protect the income beneficiary and vice versa
- end goal is fairness to all beneficiaries
The key to the UPIA is
flexibility to shape the investment strategy for maximum total return, along with the flexibility to adjust income between the income and remainder beneficiaries to be fair to each of them
NY has a perpetuities exception that automatically reduces all age contingencies to 21 years, thus saving the gift
NY rule against suspension of the power of alienation, definition
Any interest is void if it suspends the power of alienation for a peiod longer than lives in being plus 21 years, that is when there are no persons who could, together, thransfer fee simple titleq
Suspension of alienation is a concern whether
___________ income interests are in the trust (quite considerable given NY's automatic spendthrift protection when trust is silent aout income alienation) or
2- a life estate is created in an unborn person or in an open class that may possibly include unborn persons


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subset: commoncrawl


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The Fatal Attraction Murder Case
The Verdict and Beyond
On April 16, 1991, David Lewis gave the defense closing statements. "No one saw anything. No one saw a blonde girl go up two flights of stairs and take a gun and silencer, screw it on, get into the house, fire the shots and walk away. Nobody saw that!" he told the jury. He said that Carolyn may have been the victim of a frame-up at the hands of Vincent Parco and Paul Solomon. He dismissed the testimony of each man as a liar and said they could not be believed. As the jurors listened intently, he appealed to their sense of responsibility. "I don't envy your task. I'm glad it's not mine, but in getting ready to do it and in sending you away from me and away from Carolyn, all I can wish you is God speed."
In his closing statement, Assistant District Attorney James McCarty said that the quality of his witnesses was not his fault. "Sometimes you have to get together with a sinner to get the devil," he told the jury. "According to all the credible evidence, the devil in this case is Carolyn Warmus." He described her as "cunning, opportunistic and manipulative in dealing with other people." McCarty also pointed out that the killing of Betty Jeanne was not a crime of sudden passion. He said Carolyn plotted the murder as early as the summer of 1988 when she first asked Parco to get her a gun. He told the jury that "Betty Jeanne Solomon is entitled to a just verdict. We're entitled to a verdict based upon the credible evidence...and the only logical conclusion that can be drawn from the credible evidence in this case, is that Carolyn Warmus killed Betty Jeanne Solomon on January 15, 1989."
The jury went out for deliberations on April 17, 1991. After four days with no verdict, patience was wearing thin. On her way to court, reporters besieged Carolyn in the lobby of the courthouse. As cameras flashed in her face she let out an ear-piercing scream that echoed off the walls. When she sat at the defense table a few minutes later she was crying loudly and laid her head on the table.
"I've had it!" she yelled to her lawyer. When questioned by Judge Carey, she sobbed openly in court. "Somebody tripped me, judge, I just can't take it. I'm afraid. Nobody cares about me!"
For the next eleven nail-biting days, they tried to reach a verdict under an umbrella of wild speculation and various prophecies by the media. What was taking so long they wondered? Was Carolyn fated to go free? Was she alone guilty? Was Paul Solomon involved? Would Carolyn get life? There was much speculation in the jury room about reasonable doubt and deep concern over the lack of eyewitnesses. On the 12th day, April 27, Judge Carey made the dramatic announcement to a tense courtroom. It was a hung jury. They were hopelessly deadlocked at 8-4 in favor of conviction. One juror later said, "They couldn't put the gun in her hand in Westchester, and that made it automatically not guilty." When he left the courtroom, Paul Solomon told reporters, "My family and I are devastated by the knowledge that this nightmare must go on." Det. Constantino was equally disturbed and said, "I was very disappointed. There was no doubt in my mind that she committed this murder." The District Attorney's Office soon announced they would seek another trial.
Amidst the uproar on the tenth floor, Carolyn Warmus slipped out of view and left the courthouse unnoticed.
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Woodbury County Democrats had a lot to celebrate Tuesday night. Some at the post election party at Sherry's Fourth Street Cafe' called their success "incredible." The nation knew it was going to be a close race, and Romney and Obama didn't disappoint.
"It's playing out pretty much as expected, it's coming down to Florida and Ohio," said Chair of the Woodbury County Democrats Dr. Greg Guelcher.
Hour by hour, states slowly turned blue. Shortly after 10 p.m. NBC News called the election, President Obama will hold the White House for another four years after winning the popular vote and a majority share of the Electoral College.
Folks like Nick Harrington said the results put him at ease.
"Relieved, relieved. There is so much at stake in this election. I was just relieved to see that what we all though was going to happen, happened," he said.
The good news for Democrats didn't end there. Woodbury County Supervisors, Mark Monson, Jackie Smith, and Larry Clausen all got another four years. Plus, in the Iowa House, incumbent Chris Hall took District 13, while newcomer David Dawson grabbed District 14.
"We've really have been rewarded by the electorate," said Co-Vice Chair of the Woodbury County Democrats Patrick Blaine.
It was a reinvigorating feeling for Democrats, especially after a less then pleasing turnout in the midterms two years earlier.
"After the shellacking in 2010, to come back this strong and basically have the sweep of the county elections is an incredibly uplifting experience," said Guelcher.


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Free agency starts next week so here's my ideal offseason that includes some realistic targets.
First of all: What does this team need? It's simple: Rebounding and defense, a low post option as well as a go-to-scorer that can create his own shot-
Second: What assets can this team offer? It's simple: Almost nothing. I'm a strict enemy of trading Gortat and/or Dudley only to get some late lottery picks and right now, Phoenix should be the last team to trade their future draft picks. So the only way to improve this roster is through free agency and the draft (#13).
Shooting Guard
One of my favorite wing prospects in this years draft is Washington's Terrence Ross. There's a high chance that he'll be available at #13 and he would be the best option in my opinion.
What does Ross give us?
He's one of the best shooters in the draft, he can come around screen, score in isolations (create his own shot) or simply spot up. He's a very long and good defender, which is the most important point for me. He might have with with his shlashing but I think that's something you can wirk on pretty easily, especially next to a point guard like Nash.
According to recent reports, Brandon Roy wants to make a comeback next season which leads to me first offseason target. I'm a huge fan of Brandon Roy, he was one of my favorite players in the league. Why would he sign here, though if hepropably receives some offers from contenders like Miami or Los Angeles? The answer is quite simple: Aaron Nelson. I know this guy doesn't have any cartilage left in his knees, but Nelson could keep him out of pain as much as possible and prepare him for each game, training sessions and workouts.Of course, you keep Michael Redd as security in case of in injury.
What does Roy give us?
Roy would give us a wing player who had the potential to be a francise player and first option for years to come. He can handle the ball, shot from midrange or three, get to the line and draw fouls. He always been a mediocre defender but that's why you bring back Grant Hill, right? In my plans, Roy would come off the bench since I don't he would fit next to Nash since Roy didn't fit in next to Andre Miller, a point guard who likes to control the tempo and get out and run. Roy is more of a halfcourt player but and excellent playmaker to put next to a decent defender like Telfair. Of course, he would be on the court in crunch time and would give us the much needed go-to-scoring option we need. Is Roy a guy for 38 minutes a night? No, but with reduced minutes (let's say 25 minutes) he could be super effective on our team.
Power Forward
It might sound stupid and it all depends on what Philadelphia will do this offseason but I'm praying that they will use their amnesty clause on Elton Brand. He would be forced to sign with us if can place the highest bid on the amnesty waivers and I'm sure that Elton would love our medical staff just like our other 'oldtimers'.
What does Brand give us?
First of all: toughness. He's a warrior and fighter inside, a guys that you can't move in the post. He's a decent rebounder and great low post defender. He could be an option against guys like Tim Duncan or DeMarcus Cousins because he's an intelligent and smart player. On offense, he still got a nice turn around jumpshot and a very decent rouch around the rim. He could easily be the third option on this option (after Roy, Nash) and a guy that can give you some easy in the post (something Gortat can't do consistently). Some of you might think that there would be problems with the spacing but Brand had a smooth mid range jumpshot.
Depth Chart
PG: Steve Nash / Sebastian Telfair / Aaron Brooks (do you want him back? I do!)
SG: Terrence Ross / Brandon Roy / Michael Redd
SF: Grant Hill / Jared Dudley / Josh Childress
PF: Elton Brand / Markieff Morris / Hakim Warrick
C: Marcin Gortat / Robin Lopez (only at a decent price) / Channing Frye
Shooting, rebounding, defense and Steve Nash would make this a great team to watch next season.


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Plans to build 15 flats 'look set to be passed' (From Echo)
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Plans to build 15 flats 'look set to be passed'
6:00pm Thursday 27th February 2014 in News By Luke Lambert
CONTROVERSIAL plans to build 15 new flats on Canvey look set to be passed next week.
The part three-storey building of two-bedroom flats would take the place of a car wash and industrial units currently in the High Street.
The proposals, submitted by Pemican Ltd, have been met with widespread dismay in the community, with Canvey Town Council tabling several objections, including the height of the building and the extra traffic it will create.
Residents and councillors have also complained, saying there is poor access, insufficient parking, and raising concerns over whether sewer systems could cope with the additional homes.
Castle Point planning officers recommended it be approved at next week's development control meeting.
Peter Greig, vice chairman of Canvey Island Town Council's planning committee, said he was very frustrated.
He said: "There are a number of issues here that need to be considered.
"The location appears tome to be all wrong. The flats would overlook other residents homes and would also cause an access issue for surrounding roads, including Barnards Avenue and Gills Avenue.
The flats would be built near to C & J Autos and next door to a Costcutter supermarket and Murco petrol station, but there are fears this would not be the best location.
Mr Greig added: "This is something that needs to be checked before a decision is made. I am not sure who would want to live in a flat wedged between a petrol garage and another garage. If something was to happen at the petrol station, then it would more than likely affect the flats.
"It is also worth noting that emergency services would not be able to access the flats at times due to the narrow roads."
It is believed that the majority of the units where the homes would be built are currently vacant, while 15 parking spaces would be provided.
Comments (9)
Please log in to enable comment sorting
6:12pm Thu 27 Feb 14
iknowbetter says...
6:56pm Thu 27 Feb 14
upset says...
7:23pm Thu 27 Feb 14
essexmilfhunter says...
10:39am Fri 28 Feb 14
johanuk says...
5:43pm Fri 28 Feb 14
upset says...
The current percentage requirement
for affordable housing in Castle Point is 35% on sites of 15 units or more. The
scheme seeks to provide fourteen flats and would therefore fall below the threshold
for the provision of affordable housing, however, where it appears that the applicant
may be trying to avoid the need to make provision for affordable housing by
unreasonably limiting the number of units on the site, the Council may determine the
application on the basis that the threshold has been met.
4:57pm Sat 1 Mar 14
John T Pharro says...
11:25am Wed 5 Mar 14
Rat-man says...
essexmilfhunter wrote:Oh dear. Got it wrong. What a TW@t
More traffic and residents for our congested and overpopulated island.Pass the brown envelope of cash over and it will go ahead as is usual here!
11:26am Wed 5 Mar 14
Rat-man says...
johanuk wrote:Oh Dear got it wrong What a Tw@T
There are too many blocks of flats on this overcrowded island.......this is just a money-making scheme to squeeze as many homes into a very small space. I think corruption maybe here-just research who runs Pemican Ltd!!!!
11:29am Wed 5 Mar 14
Rat-man says...
John T Pharro wrote:Oh Dear the Gobby of the Bog and his Bog-Dwellers got it wrong.
Of course it is passed just like the dozens of FOUR STOREY flats passed at Canvey Supply by the Tory dominated mainland Councillors. They coudn't careless about Canvey so long as it means fewer houses built on their precious mainland.
What a Tw@t.
Comments are closed on this article.


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The Brewing Innovation Storm
by Numetrics | May 21, 2010 | In Best Practices | No Comments
By Jeffrey Eversmann
After two years of doom and gloom, it's refreshing to attend an industry event and hear talk of innovation—at all levels. That was the atmosphere at a recent GSA Silicon Series luncheon I attended in Austin, Texas, that featured a panel discussion on blurring technology lines.
At the application-segment level, Patrick Moorhead, marketing vice president with AMD, joked:
"I've been hearing that the desktop market is dying for the past 15 years."
He made that quip after holding up the "4th screen" examples he had brought with him: an iPad and a Sony eBook reader. "Only 5-10% of consumers back up their data, so a fixed device will always be in the home," Moorhead said.
I agree. While I like the professional security that a proliferation of leading-edge microprocessors brings, I am burdened by the yearly upgrade rotation I am now on to keep current the six-plus PCs in my home. All of us in the semiconductor industry have been through multiple iterations of the tablet device, some of them from Apple. As was often said by the panel, "it's not an either-or these days."
Fellow panelist Naveed Sherwani, CEO of Open-Silicon, Inc., added "the new form factor will succeed if it is useful." So, panelists agreed that the iPad is not a desktop (or even laptop) killer. The question is: Will the average consumer add yet another device to the list of electronic gadgets we carry around each day?
The panel shifted to the technology level and wrestled with an intriguing question: Will ARM replace x86 in the desktop or will x86 replace ARM in the SoC market? While some in the audience checked email on their smartphones, Sandeep Shah, director of marketing and applications at Marvell Semiconductor, Inc., and Sherwani tackled the question.
Shah argued that an "ARM architecture licensee can bring together the best of both worlds." (This is a very interesting perspective in light of Apple's recent purchase of Intrinsity, which worked with Samsung to develop the ARM Cortex-based A4 processor.)
Shifting processor sands
Sherwani was quick to add that while there really hasn't been an attempt by x86 to take over SoC design, that doesn't mean an attempt isn't brewing:
"In the next three years or so, things will get more competitive and more intense, when x86 is available for SoC development."
Then it was time to move on to another much-discussed technology challenge, low power design. The panel members pulled out their different battery-powered devices and rattled off the actual vs. published battery life. "What we really need is more disclosure, a 'truth-in-battery-life' from silicon providers," Moorhead said.
Shah, who probably lives power issues on a daily basis, talked about how the different Blackberry models used different chips from Marvell to get different power performance in the system. Marvell focuses on both system-level and gate-level approaches to power management. Sherwani wrapped things up from a design perspective saying "we have just scratched the surface on lower power design." Maybe what we need is a Moore's Law for low power design – something that will challenge engineers to do things that today are viewed as impossible.
All in all, the GSA luncheon was a great opportunity to re-connect with fellow semiconductor engineers. We exchanged cards with the same cell phone numbers, but with new company names, new titles, and new addresses. We talked about how tough things have been but how happy we are to be traveling less and spending more time with our families.
It felt like the calm before the innovation storm. I don't know about you, but I'm here and getting ready for it.


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FinancialContent is the trusted provider of stock market information to the media industry.
By: PRLog
May 29, 2012 at 15:52 PM EDT
NY Trade Shows Producer Expos Your Business Hosts Long Island Real Estate Expo June 1 and 2
PR Log - May 29, 2012 - Registration is now open for the Long Island Real Estate Expo & Business Renaissance, Long Island's largest real estate convention to date, which will feature more than 150 exhibitors and 70 hours of informative seminars and credit-earning classes. Hosted by Expos Your Business, the expo will take place at the Hilton Long Island on Friday, June 1 and Saturday, June 2; attendees can register for $20 at the door or $10 in advance at http://www.ExposYourBusiness.com.
A tremendous educational resource, the Long Island Real Estate Expo & Business Renaissance will feature dozens of valuable seminars, panels, and even several classes where attendees can earn free Continuing Education (CE), Continuing Legal Education (CLE), and Continuing Professional Education (CPE) credits.
In commercial real estate, Colgate Real Estate Advisors LLC founder, CEO, and General Counsel Larry Haber's "Commercial Lease Restructurings, Modifications & Workouts" seminar on Friday at 11 a.m. will offer a timely look at how the state of the economy has affected the commercial leasing environment. Here, Haber will discuss the business opportunities present for attorneys, brokers, accountants and other real estate professionals as commercial tenants look to revise their existing leases. Also timely, the expo's "Green Lease Negotiations" panel will discuss the accounting and legal technicalities of eco-friendly building improvements and their potential tax benefits. Moderated by Vince Capogna, the Executive Director and Advocacy Committee Chairman of the U.S. Green Building Council's Long Island Chapter, the panel will start at 12 p.m. on Friday. The Long Island Real Estate Expo & Business Renaissance is also slated to feature a range of residential-themed seminars, including "Home Selling Process- Start to Finish," a guide from Prudential Douglas Elliman's Sheryl Hecht, which will take place at 10 a.m. on Friday.
Catering to attendees of all stripes, the Long Island Real Estate Expo & Business Renaissance will additionally include a range of events covering the areas of franchising, construction, and development. Franchise Consultant Tom Scarda, of Franchoice, will head up many of the Long Island marketing expo's sessions on this topic. Scarda will present "Franchising 101: Seven Steps to Choosing the Right Franchise," a seminar, both Friday and Saturday at 10 a.m., and host a "Franchising in Today's Economy" panel at 11 a.m. on both days with panelists Jeff Jervik, CEO of Fitness Together, and Geoff Seiber of FranFund. Covering development, Eric Alexander, the Executive Director of Vision Long Island, will host "L.I. Focus: Transforming LI's Downtowns" on Friday at 11 a.m. A veteran figure in commercial and residential development, Alexander's work at Vision Long Island has lead to more than 30 public and 40 private Smart Growth projects for the region.
To learn more about the Long Island Real Estate Expo & Business Renaissance or register in advance for just $10, visit http://www.ExposYourBusiness.com/events/long-island-real-estate-and-business-renaissance, call 516-813-6155, or email info [at] lirebr.com. The expo exhibit floor will be open 9 a.m. to 5 p.m. on Friday, June 1 and 9 a.m. to 3 p.m. on Saturday, June 2 at the Hilton Long Island, located at 598 Broad Hollow Rd. in Melville, N.Y. Expos Your Business posts additional details about its Long Island events online at http://www.facebook.com/ExposYourBusiness and http://twitter.com/ExposYourBiz.
Read Full Story - NY Trade Shows Producer Expos Your Business Hosts Long Island Real Estate Expo June 1 and 2 | More news from this source
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text:
I remember Matt Painter once said that it's difficult for the home team to play on senior night b/c of all the emotions. Your mindset is not focused on the game. It makes sense, but I want some some empirical evidence. So I do a little digging and of the six teams that already had their senior nights, only ONE - yes, ONE - managed to pull off a W, and that's us. O$U, Michigan, NW, Ill, Neb all fell at home on senior night. It is a small sample, but considering how difficult it is to win on the road in the B1G, that is quite an impressive stat.
Bottom line, if the stat holds, I like our chances on Sunday! BTFU! :-)


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News: Jay-Z Goes From 'Marcy To Barclays' In First-Ever Rocawear Commercial, "My Goal Was To Have One Gold Album & That Was It" [Video]
Monday, Apr 2, 2012 5:00PM
After weeks of speculation, Jay-Z's rumored involvement in a Rocawear commercial is indeed true as the rap mogul has premiered a new "Marcy to Barclays" television spot on his Life and Times website today (April 2).
The 31-second Rocawear commercial features Young Hov reflecting on his rags to riches story.
The first ever Rocawear commercial is a retrospective of Shawn "JAY Z" Carter's journey as a kid growing up in the humble projects of Brooklyn aspiring to make music and eventually making history. On that journey, the first business beyond music was the birth of Rocawear. Carter's Rocawear brand represents his prowess as a business man who continues to challenge himself to be more than merely a musician. "My goal was to have one gold album and that was it," says JAY Z in the spot. "And then it became, I want to show that an artist can ascend to the executive ranks." Ultimately it has been JAY Z's ability to inspire his customers that has afforded Rocawear over 10 years as the number one brand in its' space. JAY Z continues, "Rocawear just keeps reinventing itself and redefining itself every single day." #Marcy2Barclays (Life and Times)
Despite the ad's glitz and glamour, Rocawear has experienced tough times in recent years.
As familiar as he is with success, some would argue that Jay-Z's Rocawear venture has ultimately been a failure. The urban clothing line, which launched over a decade ago, has seen its fair share of hard times. But perhaps none have been more devastating than this past winter, when a global sales decline of $500 million caused the company's Manhattan store to lay off half of its 56 employees. (Billboard)
Reports of Jay's involvement on a Rocawear television spot hit the Internet in early February.
Jay-Z, 42, is lending his A-list status and will star in the brand's first-ever television campaign. Filmed in November, the spot will begin to air on outlets including MTV, BET and TNT, most prominently during NBA basketball games. "Titled 'From Marcy to Madison Square,' the black-and-white spots track Jay-Z's rise from selling CDs out of the trunk of a car in the Marcy Projects of Bedford-Stuyvesant, Brooklyn, to headlining concerts at Madison Square Garden. The spot uses footage from Jay-Z's 'Watch the Throne' concert at MSG in November," WWD writes. (Us Magazine)
Back in January, the company laid off a portion of its New York-based staff workers.
Rocawear -- the hip-hop clothing brand founded in 1999 by rapper entrepreneurs Shawn "Jay-Z" Carter and Damon Dash -- laid off half the staff of its men's and boys apparel division on Jan. 6, one day before Jay-Z's wife, Beyoncé Knowles, gave birth to the couple's baby girl. Rocawear's New York headquarters -- a 40,000-square-foot facility at 1411 Broadway where Jay-Z took an office in 2009 -- fired 28 of its 56 workers for "economic" reasons, according to documents filed with the New York State Department of Labor. Jay-Z, formerly a "big presence" in the office, rarely shows up anymore, an insider told The Post. "It's kind of like he's given up on the brand," the source added. (New York Post)
Check out Jay-Z's Rocawear commercial below:


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From the Memphis players, their Coach and the clueless Media, it seems when an entire team (including bench)can't put the ball in the basket, it is not great defense causing the problem, they just didn't shoot well. What about all the shots we missed, if Memphis was asked, they would probably say it was their defense that did it. They should be as gracious in defeat as they are in victory, which based on all their classless comments probably isn't much better when they win.
We played great defense and got in their heads and it snowballed from there.
Nuff said, lets move on to LSU.


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Lubrex® Hand Cream by Allerderm uses a potent blend of moisturizers and emollients to calm and soften sensitive skin, plus humectants to hydrate the skin and lock in moisture. Specially formulated with sunflower seed oil, which has been shown in clinical studies to aid in the healing of damaged skin, Lubrex replenishes your skin's protective lipids. The ultra-mild formulation used in Lubrex is gentle enough for sensitive skin, and comes highly recommended by dermatologists in the treatment of dermatitis. Lubrex® comes in a 3.2-oz Bottle.
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Today's weather forecast: Snowy, highs in the 30s
The Record
Today will be cloudy with a chance of snow in the morning and highs in the thirties. Much of the same can be expected for tomorrow.
There are no reported delays on New Jersey Transit trains and buses or at the local airports.
Today — Periods of light snow mainly before 10 a.m. High near 33.
Wednesday — Mostly cloudy then gradually becoming sunny with a high near 39.
Thursday — Mostly cloudy with a high near 36.
Friday — A chance of snow before 9 a.m. then a chance of rain and snow between 9 a.m. and noon then a chance of rain after noon. Mostly cloudy with a high near 43.
Saturday — Sunny with a high near 41.
Email: firstname.lastname@example.com


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Yes, the digital age has changed marketing, but it's hardly time to push paper out of the picture. In fact, doing so could be a grave mistake.
Print is another avenue for companies to increase their brand's reach. Whether its a print ad campaign or providing the proper collateral to your business development team, print is a chance for your company to stack more paper. The green kind.
Our print design focuses on telling the client's story to their specific audience. We dive deep into the psychographics of customers, considering their state of mind, what questions they have and even what colors that will resonate with them. The end product is a print piece that connects with people and increases conversions.


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Gloucester Daily Times
---- — Golf
Rockport 110
Gloucester 91
The Vikings move to 3-6 with the win while the Fishermen remain winless.
Leading the way for Rockport was
Mike Tupper and Kyle Nelson with 25 points each. Caleb Tanson scored 21 and Abby Hood
chipped in 20.
Curtis Quinn led all scorers with 27 points, Jesse Francis
scored 22.
The teams played under Cape Ann League Stableford scoring because the match was played at Rockport Golf Club.
Manchester Essex 166
Amesbury 135
The Hornets moved to 7-2 on the season by putting up their second best score of the year.
Josh Christopher led all scorers with 30 points. Justin Eichenberger had 29, Ben Bichet 28, Michael Fuca 27 and 26 from Will Burgess and
Cam Tuttle.
Boys Soccer
Gloucester 1
Beverly 0 (Saturday)
The Fishermen move to 4-2-2 on the year with an important win over a strong Northeastern Conference Large opponent in Beverly.
Cal Cosgrove scored what turned out to be the game winner when he put home a Jason Vizena
pass in the 29th minute.
Head coach
Art Simms also credited the play of Andrew Gossom at center back, Vizena on the defensive end and goal keeper Patrick Kelley, who earned a shutout.
Rockport 2
North Reading 1
The Vikings (6-1) did something they could not do the last three years, top North Reading. To make matters even more impressive Rockport pulled off the win on the road.
Freshman Andrew Wayrynen put the Vikings up in the first half when his cross deflected off of a North Reading defender and into the goal. Later in the first Shaun Aspesi put home a pass from Jon Ferrante after the two exchanged several passes between each other down the field. Head coach Dave Curley
called the goal "the prettiest the team has had all season."
Eric Littlefield
was labeled the man of the match by his coach as he notched four big saves in the second half from point blank range and fielded another six crosses in the box.
Although they did not show up on the stat sheet, Curley praised the play of Matt Rostowski, Caden Tibert,Nick Scatterday, Tucker Meredith, Conor Douglass and Nick Laverde .
Manchester Essex 4
Newburyport 4
The Hornets came back from two goals down to earn a draw in a crazy back and forth final three minutes of play.
Alex Walder put the Hornets up 3-2 with three minutes to go on a header but that goal was quickly answered by Newburyport. With one minute to play the Hornets took a 4-3 lead on a dead ball strike from Will Nadai . Newburyport, however, came back to tie it on a corner kick with just seconds to play.
Sean Gutierrez scored the first goal for Manchester Essex (3-3-2) on an assist from Nadai. Liam Aldrich also scored for the Hornets with an assist from Pat Hagar .
Girls Soccer
Gloucester 2
Saugus 0 (Saturday)
Gloucester (1-4-2) broke into the win column with a shutout of Northeastern Conference foe Saugus.
Bianca Giacalone powered the Gloucester offense with a goal and an assist. Elle Wierbicky had Gloucester's other goal while Tess Benson had an assist. Caroline Greeke and Kali Cook also played well for Gloucester in the win.


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You are very welcome to stay at Solhälla's Bed and Breakfast!
We offer accommodation for 400 kr/night and person in double room including breakfast. 350 kr without breakfast. You can borrow sheets for 60kr extra.
An additional mattress for children can be arranged for 100kr. Children in parents' bed cost no additional charge.
All rooms are non-smoking and pet-free.
There are showers and toilets in the corridor outside the rooms. One of the toilets is accessible and we also have a ramp to the dining room if needed.
A kitchenette in the corridor is available for anyone wishing to make a simple meal or a cup of tea.
WIFI connection is available in the main house.
Check-in time is from 12 P.M., but as our reception is not always manned it is recommended to advise estimated arrival time when booking.
Check-out time is at 11 A.M.
Breakfast is organic and most of the vegetables come directly from our garden including the eggs laid by our hens. Please let us known in advance if gluten-free or lactose-free diet is required. You are welcome to explore our beautiful gardens during your visit or go for a stroll in the labyrinth that is said to give you an answer to the question with which you enter it.
Some days lunch is served for 75kr and also café, with both regular cakes and raw food cakes, is open. Please check at the booking whether these are applicable when you come.
Solhälla is beautifully situated next to the Lake Hällungen and you can dive from our own jetty or borrow a canoe for a trip when you are here. You can also take a nice walk in the surrounding nature and visit the small sandy beach a few hundred meters away.
Solhälla is a good place for those who wish to rest and relax but also for those who want to be more social and participate in our courses, café events and concerts. You can read more about these in the Calendar here on our web-page.
Check out for more activities in the village under "Friends in Hällungebygden". An organic shop "Hållbar Hälsa" that sells self-grown vegetables and other organic goods is located right next to Solhälla. Take the opportunity to visit it during your stay at Solhälla.
Call and book your stay via tel. 0303-775403. You can certainly reach us on weekdays from 10.00 to 12.00 via telephone, although we answer most of the calls out of these times as well. You can also book via e-mail: email@example.com
You are very welcome to Solhälla!


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The School of Adult Learning's general education programs includes a set of adult learning core courses and other courses that cover a wide range of disciplines and provide a strong liberal arts foundation to accompany any of the SAL majors. Students will earn a bachelor of arts (BA) degree, taking general coursework in religion, mathematics, life and physical sciences, humanities, and fine arts. Learn more about these general education requirements.
All students in the School of Adult Learning will begin their coursework at North Park by taking two core courses that are designed to prepare adult students for the college classroom. They must be successfully completed before you taken any courses for your chosen major.
Develop and hone your written communication skills—one of the most important skills you'll use in both the classroom and workplace. You'll learn how to write in multiple styles and recognize what writing style is best suited for different situations. Gain valuable experience in researching, evaluating, and synthesizing other material sources in support of your own ideas.
Contact Us by Phone
Contact Us by Email
Directions to Main Campus
Campus Map
Privacy Policy
3225 West Foster Avenue
Chicago, IL 60625-4895
Main Switchboard: (773) 244-6200
Admissions Toll-Free: (800) 888-6728
Admissions Local: (773) 244-5500
Distinctively Christian
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Applying * Visiting * Giving * Questions?


text:
With any luck, the St. Louis Blues will have a new financial group owning their team by the end of the playoffs (so before free agency and the draft) and be able to spend a bit of money this off-season. With that in mind, here's my look of what we could do. I do not expect us to go bonkers in the free agent market, but having a few players in their prime added to the roster should not be too much to ask.
Players under Contract
Forwards (9)
- McDonald
- Backes
- Steen
- Berglund
- D'Agostini
- Sobotka
- Crombeen
- Reaves
- Schwartz
Defensmen (5)
- Pietrangelo
- Polak
- Shattenkirk
- Russell
- Cole
Goalies (2)
- Halak
- Elliot
What I want to do, after the jump:
The team needs 3 forwards and 1 defenseman to even field a team. According to capgeek.com, this year's salary cap was $64.3M. The Blues spent $54.9M of it (leaving $9.4M in cap space below the league maximum.) Next year's payroll is already at $35.9M with only those 16 players signed. The projected number below the cap, or amount the Blues have to spend, is at least $28.4M (they have not announced, to my knowledge, how much the cap will rise.)
The team has forwards Stewart, Oshie, and Perron as restricted free agents. If the Blues don't get them signed quickly, another team could scoop in and make an offer that we would then have to match (or accept draft picks as compensation). All three of those forwards need to be on the Blues team next year. Let's look at those three players individually:
- Chris Stewart made $2.875M this past season. Stewart had his worst year as a professional athlete since his rookie year in which he played less than 60 of 82 games played. He scored on 9.0% of his shots on goal, down from a career average of 13.9% when the season began (it's now down to 12.7%). He also seemed to get frustrated and recorded the most penalty minutes of his career - 109 - way up from his previous career high of 73. This puts the team in a bind, having to kill a penalty. These reasons led the coaching staff to rely on him less, so he averaged under 15 and a half minutes of ice time per game, also the lowest since his rookie year. That being said, I believe he can be a quite productive player with Hitchock's system and believe that he is a "must bring back" type guy next year. Teams can only offer players a 10% reduced salary, if I remember correctly. Stewart will only be 25 next year, though. With the combination of a poor season, but plenty of time to lean the system and grow up as a player, I think the Blues should offer him the same amount for next year - AND a four-year deal (through his age 28 season) for $12M - to let him decide if he wants to play for a bigger payday or take the security and be in STL long-term.
- TJ Oshie made $2.350M this past season. He set career highs in games played, goals, assists, points, shots, and time on ice - but also hit a high in penalty minutes and had the lowest shooting percentage of his career. TJ Oshie also disappeared in the playoffs, with just 3 points in 9 games - all assists. He has 3 points in 13 career playoff games , having more penalties taken than points (4-3). Oshie has been one of the most consistent Blues in the past four seasons. He has averaged 0.24-0.25 goals per game four years running. He has averaged 0.63-0.69 points per game for four years running. His shots per game have increased for four straight seasons. This year, he seemed to flourish defensively as well, under Hitchcock's system. The Blues have been reluctant to extend the soon to be 26-year old TJ Oshie for the long-term because of hsi partying propensity, but I think this is the year to do it. I think I offer him more than Chris Stewart, but nothing to break the bank. I offer him a 5-year deal worth $16.25M ($3.25/year).
- David Perron made $2.15M this past season. He came back from a devastating head injury that kept him out of hockey for over a year. When he returned, he may have been the best offensive forward on the ice, night in and night out. In just 57 games, he scored 21 goals (a career high) and had 21 assists. His 0.74 points per game was also a career high. He also disciplined himself, earning his least penalty minutes per game for his career this season. Lastly, he shined in the playoffs, with 5 points in 9 games - despite a low shooting percentage. Perron will be just 24 next year and has been steadily improving. I say he gets near David Backes treatment; give him 6 years at $4M a year. That gets him signed through his age 31 season at a very good price for the team long-term, and very good money for him now.
The Blues have four forwards who are unrestricted free agents. Those four are Jason Arnott, Jamie Langenbrunner, Scott Nichol, and Chris Porter. I believe that it is time to let Nichol and Porter go. Langenbrunner and Arnott are both much older, experienced, Cup-Winning players. I think you must keep one of them around. Langenbrunner's point totals plummeted this season, despite having played for Coach Hitchcock before; while Arnott seemed to do quite well in the system. I keep Arnott and offer him a slightly reduced $2.75M (just $0.125M off what he made this year, keeping in mind he'll be 38 next year. That gives the Blues 13 forwards under contract at a payroll of $41.4M, still at least $22.9M below the cap.
At defense, Barrett Jackman needs to retire as a Blue. He is one of three unrestricted free agent defensemen listed for the St. Louis Blues. The other two are Kent Huskins and Carlo Colaiacovo. Huskins is a will-be-33 year-old defenseman who was limited due to numerous and various injuries this season. While solid defensively, he does not seem like a player that can be counted on next year, to me. I let him go. I am not a Carlo Colaiacovo fan. I think that he is a slightly above average offensive defenseman who gives up way too many pucks on the defensive side of the puck. I do not want that kind of defenseman in the system that Hitchcock runs. The Blues have a ton of money under the cap and this is where I want to see us make the biggest upgrade. Barret Jackman had a $3.625M cap hit last year. He is just now on the wrong side of 30. His ice time the last two years has gone down, but he's still played over 1/3 of the game as a top 4 defenseman. He has really learned to play within himself and take many less penalties - it helps that he doesn't need to be one of the "goon" type fighters on the roster any more, only fighting as a last resort to pump the team up or settle a score. His dollar amounts have dropped each of the last three years on his last contract - from $4.5M in 2010 to $4.0M in 2011 to $3.5M this past year. I offer him a two-year deal worth $6M, giving him the choice of $3.25M this year and $2.75M next year or an even $3M a season. Either way the cap hit is $3M.That gives the Blues 6 defensemen and a $44.4M payroll with at least $19.9M to spend.
The Blues are set at goaltender next year. Allen is the future in the minors and Elliot and Halak are signed to contracts for the next two seasons. Allen will have time to learn and grow as a goalie before emerging in St. Louis in 2014-2015, if all goes to plan.
Looking forward, after next season, the Blues have the following players needing pay raises: Berglund, D'Agostini, Pietrangelo, Shattenkirk, Russell, and Cole. They will also have Andy McDonald and BJ Crombeen's salaries coming off of the books, saving them $5.7M. McDonald will be a big loss, but he will likely retire at the end of the contract. Crombeen will likely be the 13th man that I have listed (sitting the most amount of games in the press box), as is...so his loss will be minimal on the ice.
The best available free agent defensemen, under 30 years of age, are:
D Ryan Suter - NASH - 27 - Top pair defenseman - it will take over $4M to sign
D Matt Carle - PHI - 27 - Top 3 defenseman - it will take over $4M to sign
D Dennis Wideman - WASH - 28 - Top 3 defenseman - it will take around $5M to sign - mostly offensive value
D Matt Hunwick - COL - 26 - filler defenseman - it will take only $1.5 at the most to sign - quite a bit of a drop off in talent for Hunwick
The best available free agent forwards, under 30 years of age, are:
F Zach Parise - NJ - 27 - top line forward (fast/scorer) - it will take over $6M to sign
F Andrei Kostitsyn - NASH - 27 - second to third line forward (scorer/assists)- it will take over $4M to sign
F David Jones - COL - 27 - second or third line forward (not sure) - it will take over $3M to sign
F Alexander Semin - WASH - 28 - top line forward (scorer/assists) - it will take over $7M to sign
F Jiri Hudler - DET - 28 - top two line forward (scorer/assists) - it will take nearly $4M to sign
F Dustin Penner - LA - 29 - second or third line forward (power forward) - it may take over $5M to sign
F P.A. Parenteau - NYI - 28 - top line forward (assist man) - it will take $2-3M to sign
I would not want to spend up to the limit, were I the Blues; however, I would want to make sure to get two of these players. I would go after both Ryan Suter and Matt Carle - getting one of them, as they are similar players and the Blues have a ton of good to great D-men. Remember, the Blues have at least $19.9M to play with, so let's assume it takes more money than I originally argued and it costs the Blues $5M over 4 seasons to get Suter/Carle. I would also look to add P.A. Parenteau or David Jones. Jones is a year younger, but Parenteau has been a better assist man and point scorer thus far in his career. Jones has been the better goal scorer, but also takes more penalties. Parenteau has played more minutes and games, plus gotten more shots on goal - which means Jones' shooting percentages and goals per game are a bit higher. Additionally, I believe Jones will be only slightly more expensive, if at all. I'd guess Parenteau would sign for $3M and Jones would sign for $3.5M. Let's say we get one of them for $3.5M, the more expensive price listed. That would give the Blues a 22 man roster being paid $52.5M, which is still $11.8M below the cap - which should be enough room to sign the players whose contracts will become restricted next year.
The new Blues roster would then become:
Stewart/Schwartz/(Jones or Parenteau)
Bench: Crombeen
Pietrangelo/ Shattenkirk
Jackman/(Suter or Carle)
Russell/ Polak
Bench: Cole/Fairchild
Halak and Elliot splitting time again.


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Precious Metal Alloy Materials
From the beginning of history, metals such as gold and silver have been prized for their color, luster, and texture. Gold as an object of ornamentation and currency dates back to ancient Egyptian roots. Additionally, gold and silver were used to adorn the aristocracy of pre-Columbian societies such as the Aztecs and Incas. These metals were easy to work with given their malleability and resistance to the elements.
However, the very quality that was desirable also became problematic. As gold and silver pieces became a part of the lives of regular people, the softness proved to be a problem. Gold and silver rings, cuffs, and chains would get scratched, bent, and rubbed away.
Ancient metallurgists discovered that by combining gold and silver with other stronger metals such as copper, nickel, and zinc, the precious metals were stabilized and strengthened. Today, these compounds are called alloys and account for the majority of fine jewelry pieces in the market. In modern times, platinum, the most precious metal, is also included.
To create an alloy, both the precious metal and the common metals are melted under extreme heat. The metals are placed in a crucible—a large bowl shaped vat made of a substance with a lower melting point than the metal, like clay or lead. Boric acid is melted on the surface of the crucible and also sprinkled on the metal itself to reduce oxidizing. Then they're heated to their melting points in a furnace—ideally without oxygen present. For example, gold's melting point is 1947 degrees Fahrenheit—almost ten times the temperature required to boil water! The metals are then combined in exact proportions and mixed slowly to ensure the consistency. The alloy is cast and cooled.
The amount of gold, silver, or platinum in a piece is carefully regulated in the U.S. by The Gold and Silver Marketing Act, a law passed to ensure the value and quality of alloys.
Most silver jewelry today is called "sterling silver." This simply means the silver was mixed with copper to strengthen it. The process of heating silver, called annealing, also adds to the strength of the metal by stabilizing its structure. The most common ratio is 90% or 95% silver and 10% or 5% copper. While pure silver is used for many other purposes, it is impractical for jewelry.
Platinum alloys are also approximately 95% pure. Platinum is most commonly mixed with copper, iridium, palladium, or titanium. Platinum jewelry is considered very fine and the most expensive.
Measuring Karat Weight
The art and science of gold alloys is far more complicated. To make gold more durable, it is mixed with silver, copper, zinc, nickel or, most recently, palladium. In the U.S., the amount of pure gold in an alloy is measured in karats. A karat weighs approximately one gram. The amount of alloy that is mixed with the gold determines its karat weight, and therefore, its value.
In the U.S., these numbers are determined by the parts per 24 of pure gold, and the other metal with pure gold being called 24 karat. For example, 18 karat gold is 18 parts pure gold and 6 parts alloy (75%); 14 karat gold is 14 parts pure gold and 10 parts alloy (58.33%), and 10 karat gold is 10 parts pure gold and 14 parts alloy (41.6%).
The higher the karat weight, the more the piece of gold jewelry is worth. But the amount of the other metal in the alloy also determines color and durability. Yellow gold is usually 24 (pure) or 22 karat. White gold, in any karat weight, traditionally has a higher concentration of silver, or nickel. Because nickel can cause an allergic reaction, palladium is often substituted, though more expensive. Pieces with a pinkish or red hue are the result of gold mixed with copper. This gold alloy is often used to make gold necklaces and gold bracelets because of the attractiveness of the color. Any karat weight can be used to make items such as earrings, chains, and pendants, but many people find that 18k or 14k gold is ideal for beauty and wearability. Gold rings, especially men's rings and wedding bands, are often 10 karat gold because of the frequency with which they're worn.
However, when an individual no longer wants a piece of gold, silver, or platinum jewelry, or other item such as a coins or bars, the value of the precious metal endures. Online companies, such as Cash4Gold.com, purchase broken or unwanted gold, silver, and platinum pieces. The process is very simple. The seller requests a special envelope from the website and mails his or her gold, silver, or platinum pieces to the company. The appraisers assess the value of the piece based on the intrinsic value of the metals. This means that once the gold, silver, or platinum is melted down and the common metals are separated out, only the value of the pure metal is calculated. This value is what the owner of the pieces is paid.
The metals are separated through the same process by which they were combined. Cash4Gold's relentless commitment to customer service ensures that this process is highly regulated and monitored to ensure accurate calculations of the intrinsic value of the gold, silver, or platinum. That value is then passed back to the owner as cash.


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We are off Monday…woot
Snow Days
A few days ago it snowed like crazy here in NYC. The temps also took a dip to the point where I became too lazy to do anything outside of my apartment! I did venture out to a bodega to get some food, but besides that, I've been relaxing in bed catching up on Homeland and Game of Thrones. After two weeks out of the office for the holidays, I'm ready to get back into my normal routine. Yes, I love laying low as I'm a self proclaimed homebody, but I also enjoy keeping busy. I rarely say this, but is it Monday yet?


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There's been a lot of speculation and talk on SB pride. Do we have a QB controversy, Are you team Flynn or team Pryor or team McGloin. Should we play a 4-3 or a 3-4 and blah blah
Look, next season, when we have the first pick of the draft, almost $70M in cap room and a new head coach, ( Lovie Smith - fingers crossed ) The really important question is who do we take with the first pick. Clowney or Bridgewater?


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|My Dearest Friend
|Quincy December 15 1795
This is the Sixteenth day since you left me, and I have not yet
heard a word from you, I hope tomorrows post will bring me a Letter; I wrote you on the
10th, the day before yesterday was the first winter weather we have had, a pretty Severe
Snow storm lasted through the day, it fell moist & the rain
d the day
before renders it bad for wheels & worse for a Sled, the weather is so moderate
to day that it will run fast, our people got the clover all coverd on Saturday,
yesterday Deacon French calld to setle his account, and his conscience not only
permitted him to take the 4/6 pr day but to Charge 16. Shillings in addition for his
plow, I paid him 45 dollars wanting two Shillings, you have seen no doubt the Federilism
of Govr Gilman in New Hampshire, Maryland too has manifested
their Approbation, and even Virginia was almost persuaded, they comprehend the absurdity
of it is, and it is not, or I do not conceive how they could approve of the presidents
conduct, and approve of their Senators conduct too. I am all impatience for the
presidents speach. O for Authority, and I would humble all Jacobinical wretches in the
dust, I may safely say this Since France their great exampler has done so, I long to
hear from our dear Children abroad, we have not been so long since their arrival as now,
without hearing from them.
Let me hear as often as possible from you and write me all the News you will venture upon,
my best regards to all inquiring Friends / from your ever affectionate
Abigail Adams
mrs Brisler and Family are well, she is here to day and desires to be rememberd to her Husband.