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Archive for 2012
What if Santa and Mrs. Claus decided to do an estate plan? Although they would doubtless be great clients, the actual plan could be challenging.
What is the size of the Claus estate? It is extremely hard to calculate, even for Mr. and Mrs. Claus. Their accountant merely shrugs when asked. Unless estate taxes are totally repealed forever, Santa has a tax problem. Santa's toy making business is prospering. He has enough inventory to supply every child on earth with at least one toy each year. There are now over 6 billion people on earth, and if just half of those are children, and if Santa spends just $20 on each child, he is spending 60 billion dollars per year on Christmas gifts alone. Apparently this formal gifting program is not reducing the size of his estate nor his tax liabilities sufficiently since he's continued to do this since the 4th century.
Another consideration for Santa's estate plan will be caring for the hundreds of elves that work in his shops and are apparently totally dependent on his largess for survival. There are no known relatives to serve as guardians in the event of Santa and Mrs. Claus's joint demise. And even if relatives can be tracked down, it is doubtful that they will have the wherewithal to care for so many dependents. We might want to consider starting a charitable organization that establishes homes, jobs, and caretakers for these magical little people.
Santa has also invested a lot of time, money, and love in his wild animal preserve. Besides the normal elk, caribou, and polar bears, Santa has successfully bred a unique species of flying reindeer and at least one with a light-emitting snout. It's likely that several world zoos will be clamoring to add these animals to their collection, but it would be advisable for Santa and Mrs. Claus to make some of these decisions ahead of time, and use these charitable opportunities for further estate tax planning.
Obviously, death isn't the only concern for the Clauses. If Santa were to be disabled by a collision with an aircraft, a fall from his sleigh on a fast take-off, or a gunshot wound from someone who mistakes him as a burglar, the business could be in trouble. Mrs. Claus has had her hands full taking care of the elves, and hasn't had a lot of direct involvement with the toy making. It might be wise to pick some key elf employees from executive management who can be trained to take over. Perhaps an ESOP is appropriate, or a pre-negotiated buy-sell agreement. Due to his advanced age (approximately 1600), and the fact that he is overweight and smokes, life insurance is also unlikely – but should not be ruled out because of his overall good health and vitality.
One other issue to be considered is citizenship. Although we think of Santa as an American icon, he was actually born as Nicholas of Myra in Anatolia – which is now southwestern Turkey. Rumor has it that he met Mrs. Claus while watching the annual tree lighting at Rockefeller Center in New York. If Mrs. Claus is a U.S. Citizen, proper tax planning will require her to at least prepare a Qualified Domestic Trust.
Obviously, planning for Santa and Mrs. Claus will be a daunting task requiring our best efforts. Like Santa, our firm wishes you a "Merry Christmas to All", Happy Holidays, and a Happy and Prosperous New Year.
Happy holidays from all of us at Cramer Law Center! We truly appreciate your support which has helped make this another year of steady growth for our practice.
We hope that everyone will be able to spend time with family and friends this holiday season. For parents with adult children, we encourage you to consider telling them about your estate plan. Most people avoid this discussion because it involves two sensitive topics: money and death. However, explaining your will or trust and your desires for final arrangements is one of the greatest gifts you can give your children. Making clear what you want, and why, will provide peace of mind all around.
Adult children may also wish to initiate this talk with their parents. We are happy to facilitate family discussions at our office for our clients. Anyone else needing a little help may find this article useful: http://www.forbes.com/sites/ashleaebeling/2012/11/21/generations-apart-talking-turkey-over-turkey/
We wish everyone a healthy and prosperous New Year! Please note: our office will be closed on December 24, 25, and 31, 2012 and January 1, 2013. We will be holding our year-end planning retreat on December 26, 27, and 28 and therefore will be unavailable except for emergencies.
With the holiday season in full swing, you are likely thinking about and spending time with your loved ones, your "family." Chances are, they are not all related to you by blood. Most of us have spouses, in-laws, stepchildren, stepparents, or even friends that we consider to be part of our family. Sometimes we are more tightly bonded with these people than with our actual blood relations.
Unfortunately, the state of Florida defines "family" much more narrowly for the purposes of intestate succession (who gets your stuff if you die without a will). Your current spouse is your closest family member under Florida law and will get everything if you have a "traditional" family. However, as soon as you get into a blended family situation – i.e. either you or your spouse had a child with someone else – things get messy. Your spouse will have to split your assets with your kids in the proportions dictated by the state, regardless of what you would have wanted. Stepchildren are left out altogether because they are not considered "family" unless you have legally adopted them.
Florida law's preference for blood relatives can produce even less desirable results if you die without a spouse, children, or a will. We recently had a case where a man's assets, primarily his home, were split between more than a dozen blood relatives (siblings, nieces and nephews), many of whom did not even speak to the decedent, rather than going to the few people, including his girlfriend of many years, who actually took care of him.
The state's intestate definition of "family" is one size fits all, meaning that it often fits no one. If you don't agree with the people that definition includes and, especially, excludes, you need to make your definition of family clear with a will or trust.
Long-term care has been on our minds this month at Cramer Law Center because November is National Long-Term Care Awareness Month. To further your awareness, here are the latest long-term care statistics for this year:
*National Average:
- Annual Rate for Private Nursing Home Room….$90,520
- Annual Rate for Semi-Private Nursing Home Room….$81,030
- Annual Base Rate for Assisted Living….$42,600
*Florida Average:
- Annual Rate for Private Nursing Home Room….$94,535
- Annual Rate for Semi-Private Nursing Home Room….$83,950
- Annual Base Rate for Assisted Living….$38,808
*Jacksonville, Florida Average:
- Annual Rate for Private Nursing Home Room….$81,395
- Annual Rate for Semi-Private Nursing Home Room….$75,190
- Annual Base Rate for Assisted Living….$39,192
These numbers are staggering as-is, but it gets worse. Some nursing homes and many assisted living facilities have an additional charge for patients needing memory care for Alzheimer's or dementia. And although assisted living facility base rates look appealing next to nursing home rates, they don't include services such as personal care and medication management, each of which can cost hundreds of dollars per month.
Have you planned for long-term care? There is no time like the present to contact your financial advisor and inquire about how best to prepare your finances to meet these potential expenses. You should also meet with an attorney to discuss the legal planning that will best protect you and your loved ones in the event such long-term care becomes necessary.
Click to view the full survey, including data for all 50 states and many major metropolitan areas: https://www.metlife.com/assets/cao/mmi/publications/studies/2012/studies/mmi-2012-market-survey-long-term-care-costs.pdf
One of the most important decisions we ask our clients to make is who they want to take over as successor trustee of their trust after the client's disability or death. Many of our recommendations for this position are obvious; a trustee must be willing to take on the responsibility, should be a person or institution that the client trusts wholeheartedly, andideally has some relevant experience or knowledge. After (and sometimes despite) hearing this advice, most of our clients want to name family members, usually their spouse or adult children, as their successor trustees.
Naming a family member as trustee is not necessarily a bad idea, but it is crucial that you be honest with yourself, and your attorney, about your family dynamic. For example, we recently had a case where a mother named one responsible, level-headed child to serve as her successor trustee. However, her trust (not drafted by us) provided very little guidance to the successor trustee, which made it difficult and stressful for the successor trustee to deal with the demands of her greedy, bullying sibling. If the drafting attorney had asked the right questions, and the mother had been honest about her children's personalities, detailed instructions and protections for the successor trustee child could have been built into the trust.
Another concern about leaving your trust in the hands of a family trustee is that he or she may not have the requisite knowledge or experience for the job. However, we believe that, with proper training, most family members can smoothly administer a trust without first passing the CPA or bar exam. At Cramer Law Center, training for family trustees and other estate plan "helpers" on what to do in the event of a disability or death is just one of many services we offer to our estate planning clients.
In the 1999 movie "The Bachelor," a young man (Chris O'Donnell) frantically proposes to his girlfriend (Renée Zellweger) and a succession of past girlfriends in the days before his 30th birthday. The reason for the man's urgency is that his grandfather's will states that he must be married on that date or he will miss out on a multi-million dollar inheritance. If you have seen the movie, you likely thought it was a far-fetched plot; however, it is legally feasible to condition gifts in a will or trust on the marital status, religious observance, or other behavior of the intended recipient.
Many conditions on inheritance have been upheld by courts, including conditions requiring a potential beneficiary to be or become married or, on the other hand, to remain unmarried before receiving a gift. It is also permissible to state that your spouse will not be provided for if he or she remarries after your death. Provisions requiring that a beneficiary only marry within a certain religious or ethnic group are often accepted by courts. A donor may also legally mandate certain personal behavior from a recipient in order for the gift to be made, such as abstaining from drugs or alcohol, avoiding involvement in criminal activity, or earning a college degree.
However, there are some pitfalls to watch out for with conditional gifts. You may not require a loved one to act illegally in order to receive his or her inheritance. You also must watch out for conditions that violate "public policy", which is legal speak for anything that goes against our societal values. For example, requiring your daughter to divorce her husband, whom you hate, in order to inherit would likely be considered against the public policy of promoting marriage. If you are considering leaving any of your assets conditionally, you should consult with an estate planning attorney to ensure that your intent is clear and that any requirements you set will survive a challenge.
With the Walk to End Alzheimer's coming up this weekend and National Long-Term Care Awareness Month starting today, elder law is on our minds. So, this is the perfect time to share an elder law story that illustrates the value, and importance, of consistent planning.
Our client, "Diana", thought that her father, "Fred", had taken care of his disability planning by executing a power of attorney, naming Diana as his agent, several years ago. However, when Diana's mother, "Mary", died, Mary's former caregiver took control of Fred and his affairs. The caregiver introduced Fred to an attorney who revoked the power of attorney to Diana and drafted a new power of attorney, as well as other documents, in favor of the caregiver.
Diana was forced to spend a significant amount of money to go to guardianship court to fight for the right to help her father take care of himself. The caregiver has isolated Fred from his family and tells him awful lies about his daughter. She may even have influenced Fred to change his estate plan. This is a dire scenario, but unfortunately not an uncommon one.
We include comprehensive disability planning documents in our estate planning packages as a matter of course. More importantly, we have our clients re-execute all of their documents every two years so that we build a record of consistency. If Fred had given a power of attorney to Diana in 2006, 2008, and 2010, his intent would be clear and the court likely would have thrown out the new power of attorney early on, allowing Diana to protect Fred and his assets from the predatory caregiver.
An elderly couple recently learned the hard way that do-it-yourself disability planning can have serious unintended consequences. Like many people before them, the couple followed the advice of friends, their friendly neighborhood banker, or (our favorite) "Marge" at Burger King, and added their daughter's name to their bank account. This was their way of ensuring that someone would be able to handle their finances if one or both of them became disabled.
No one, not even the bank where the account was located, thought to tell the couple that they had essentially made their daughter a one-third owner of the account. The couple didn't find out until, after the untimely death of their daughter, they discovered that they owed state inheritance tax on the one-third of the account that their daughter "owned" at her death. They had to pay thousands of dollars in taxes because state law said that the couple had "inherited" their own money!
The couple in this story lived in Pennsylvania, one of seven states with a state inheritance tax. Although Florida is not currently one of the seven (the others are Indiana, Iowa, Kentucky, Maryland, Nebraska, and New Jersey), state law is ever-changing so it is always best to consult with an attorney rather than trying to do your own estate or disability planning. With proper legal advice, the Pennsylvania couple could have achieved their objectives and saved thousands of dollars by simply executing a well-drafted durable power of attorney.
For more on this story, see http://pubs.aarp.org/aarpbulletin/201210_DC/?pg=6&pm=2&u1=friend#pg6 .
Hopefully we do our part to increase awareness of the need for estate planning every week with our blogs and newsletters, but we just had to make sure you knew that this week is National Estate Planning Awareness Week. Congress officially designated the third full week of October as National Estate Planning Awareness Week in 2008, stating that:
"[I]t is estimated that over 120,000,000 Americans do not have up-to-date estate plans to protect themselves or their families in the event of sickness, accidents, or untimely death; …
[M]any Americans are unaware that lack of estate planning and `financial illiteracy' may cause their assets to be disposed of to unintended parties by default through the complex process of probate; …
[C]areful planning can prevent family members or other beneficiaries from being subjected to complex legal and administrative processes requiring significant expenditure of time, and greatly reduce confusion or even animosity among family members or other heirs upon the death of a loved one; [and] …
[T]he implementation of an estate plan starts with sound education and planning, and then may require the proper drafting and execution of appropriate legal documents, including wills, trusts, and durable powers of attorney for health care; …."
House Resolution 1499, 110th Congress (2008).
Although we are often disgruntled with what Congress does (or fails to do), we think that this time they got it right. Please feel free to share this information, or any of our other newsletters or blogs, with your loved ones. We also invite you to attend one of our Truth About Estate Planning workshops, "like" us on Facebook, or "follow" us on Twitter to increase your own awareness.
As employer pension plans go the way of the dodo bird and social security becomes less secure, we are seeing more and more of our clients have planning for their retirement with individual retirement accounts (IRAs). In fact, it is becoming common for IRAs to make up a significant percentage of a client's total assets, especially when he or she is at or near retirement age. Because so much wealth is likely to be passed to the next generation through IRAs, it is important for IRA owners and potential beneficiaries to know how to get the most out of inherited IRAs.
In a traditional IRA, the money you put in is allowed to grow tax-deferred (you don't pay taxes on gains as they are incurred). However, at a certain age (70 ½), you will be required to start taking distributions in an amount that is based on your life expectancy. You will pay income tax on these required minimum distributions (or any other distributions you choose to take).
If you leave your IRA to your spouse, the account can "roll over" into your spouse's name. This means that the required minimum distributions will be based on your spouse's (hopefully longer) life expectancy, allowing for a longer deferral of taxes (often called a "stretch out"). Your spouse can name younger beneficiaries to take over the IRA next, producing an even longer stretch out.
What if you leave your IRA to someone other than your spouse? The rules change a little; no "roll over" is allowed. An individual beneficiary can either cash out the IRA or retitle the account. While cashing out may be tempting, it will result in immediate tax consequences. The alternative is to stretch out the distribution schedule (and thus the tax-deferred growth) of the IRA by changing the title so that required minimum distributions will be based on the beneficiary's life expectancy.
If you're thinking this sounds complicated, don't worry; you also can take advantage of IRA stretch out opportunities through proper trust planning. For more information, call us to set up a free estate planning consultation or see How to Handle Inherited IRAs by Jane Bryant Quinn: http://www.aarp.org/money/investing/info-10-2012/how-to-handle-inherited-iras.html


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subset: commoncrawl


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DescriptionThree in one!
1. Alarm clock for the destination
2. Remembering parking space
3. Transfer of the exact coordinates and address via email or SMS.
Don't worry about Your station or destination place. This program take care of It. The all what You need to do is pick on the map a place or select from the list of saved places and then set alarm. And You can safely read, play, listen music or sleep. At the distance of 500 meters (by default) the program will start to play the selected ringtone.
The program will remind You of the arrival at the destination. Just set destination place on the map and turn on the alarm clock. The program will track closer to Your goal and will notify You of this.
Suitable for all kinds of transport on the Earth surfase.
Can be used without internet connection. Just select the previous place of destination from the list.
Also Passenger GPS Alarm can save a car parking place, a hotel place and so on. You will never get lost in the trip!
Use the "Follow" at the main menu to find and retain the current position. Please click on the "Do not follow" to view other remote locations map.
To create a new destination choose the "Set target" and then stick to the desired point on the map.
Additional features:
- Specify multiple destinations simultaneously and display them on the map
- For each point of the destination You can specify a ringing tone, and also set the alarm distance.
- Easy to find a destination on the map - select it from the list and from the context menu, click on the item "Show target".
- When using the Economy GPS mode the power consumption is reduced. At the approach to point of the destination application automatically sets more accurate positioning.
- Vibrate (disabled by default).
- To quickly turn off all destinations go to the main menu in the Destination list and select "Turn off all"
- The list of melodies can get from tunes that were phone calls.
- Alarm case in decreasing and increasing of distance
- Tap to open a contex menu of the current location or the point of the destination on the map
- Backup and restore the list of destinations
- Long vibration time
- Popup alarm message window, also in the closed screen
- You can press the VOLUMES or BACK buttons to turn alarm off.
- Language selection
- Compass


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Tag Results
12 posts tagged street fashion
12 posts tagged street fashion
Cropped pants are in this summer and we can't get enough of them! To either dress up or dress down, cropped pants provide you with a range of stylish looks! We love how these two fashionistas made their outfits look casual but chic! Shop cropped pants!
Bold and playful wide leg pants were spotted around the streets of NYC! Add a dynamic element to an outfit for day or night with a pair of great pants and you will stop traffic!
A staple summer outfit everyone needs! These little white dresses were spotted around NYC and styled to perfection! Want the look? We're here to help!
Shop these must-haves: a little white dress, strappy sandals, large summer handbags
With our Perfect Pairs Pet Adoption Day coming up on June 23rd, we couldn't resist these best friends on the streets of NYC. We found these beautiful dogs strutting along side their fashionista best friend, complementing each other perfectly. We are so excited to help find loving homes for our furry friends at our upcoming event. For more information on our pet adoption day click here!
So bright and so in! All around NYC, ladies' are dressed to stand out and we love it! Shop brights!
With Mother's Day right around the corner, we couldn't resist capturing these NYC moms on the go in the city!
We love how these looks, spotted around NYC, are the perfect transition to Spring. Get the look with this lace dress from BCBGeneration
We spotted one of our favorite trends, colored denim ALL over NYC!
Get this look now from your favorite brands, including Michael Michael Kors, GUESS and Lucky!
Inspired by NYFW looks, we're obsessed with brights for Spring!
Get the look now from Trina Turk!
Fashionistas attending New York Fashion Week


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Update on early morning situation:
Pima County Sheriff's Deputy Tom Peine is stating the SWAT situation is over. The man, who had earlier barricaded himself inside a NW side home, has taken his own life.
According to Peine, the home belonged to the deceased man's girlfriend. PCSD is saying that no other injuries have been reported.
PCSD is working to clear the area.
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Bedroom decorating ideas for single women
June 13, 2012 Bed Room Ideaas 1 Comment
A single gal's bedroom can be many things. It can be feminine and pretty. It can be modern and high-tech. It can be a place where you're comfortable curling up with a book by yourself. It can be a place that has room for friends, houseguests and the occasional sleepover with a man you like. It can be anything that you want to be. Below you can see some designs.
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FOXBOROUGH, Mass. -- New England Patriots tight end Rob Gronkowski underwent back surgery on Tuesday, his fourth operation this year.
The latest surgery was performed by Dr. Robert Watkins and was successful, said Drew Rosenhaus, Gronkowski's agent.
On May 20, the Patriots star had the most recent operation on the left forearm that he broke on Nov. 18 while blocking for an extra point in a 59-24 win over the Indianapolis Colts. He had an operation soon after, the first of four on his forearm.
He broke it again in the Patriots' first playoff game, a 41-28 win over the Houston Texans on Jan. 13, and has had three forearm operations since then. Rosenhaus said the surgery performed last month was expected to be the last on his forearm.
The Patriots open training camp in late July and start the regular season on Sept. 8 at Buffalo.
In 43 NFL games, Gronkowski has scored 39 touchdowns, 38 on passes and one on a run.
Drafted in the second round out of Arizona in 2010, he was chosen for the Pro Bowl in 2011. In that season, he set NFL records for tight ends with 17 touchdown catches, 18 total touchdowns and 1,327 yards receiving.
In 11 games last season, Gronkowski had 55 catches for 790 yards and 11 touchdowns. He missed five regular-season games with forearm and hip injuries and the AFC championship game, a 28-13 loss to the Baltimore Ravens, after he re-broke his forearm.
The Houston Texans selected defensive end Jadeveon Clowney first overall in the 2014 NFL Draft.
Round-by-Round Picks: 1 | 2 | 3 | 4 | 5 | 6 | 7
Ray Guy, Derrick Brooks, Walter Jones, Michael Strahan, Andre Reed, and Aeneas Williams, headlined this year's Hall of Fame class. More...
Pro Football Hall of Fame VP of Communications Joe Horrigan joined Game Night with Jim Tatti & Andy McNamara to talk NFL Hall of Fame Weekend
SunMedia NFL Columnist, John Kryk joined Bryan Hayes to discuss the potential of Manziel & EJ Manuel's struggles in camp.
ESPN NFL Analyst, Jim Trotter joined Bryan Hayes to discuss Tony Dungy's comments about Michael Sam, Brett Favre's Packers legacy & Johnny Manziel.


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Number of ratings 2 / Average Grade: N/A Submit a correction
very passionate about her classes and subject. She loves class participation and discussions. But if the class is showing little interest, she will get upset. But over all she is a loving person and helps you with your work if you're willing to put in the effort.
Wonderful, passionate teacher. If you do the work, she rewards generously. Enjoys seeing students fall in love with sociology. Great help outside of class, loves to chat with students. Very understanding and flexible.
More Sociology professors at Wilson College
It looks like this department doesn't have many professors on RateMyProfessors.com. Add a new professor to this school!


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Ministry for Culture and Heritage
An area of Māori innovation is music. Here are two clips from the album Home, land and sea by the band TrinityRoots, whose lead singer is Warren Maxwell of Ngāi Tūhoe (pictured). The other members are Rio Hemopo of Ngāti Tuwharetoa and Riki Gooch of Ngāti Māhanga. The songs ...Ministry for Culture and Heritage


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There were many players who impressed and a few who didn't and a few who showed us what we thought they were and nothing more and nothing less. This is a look at the game this Saturday as well as the week of practice leading up to the biggest game alot of these young men will have played in their career.
Who's Stock is up?
Quinton Coples, DE, North Carolina
The highest-ranked prospect at the Senior Bowl showed us all why with a great performance all week. Quinton Coples repeatedly beat his opponents with speed and power. Coples also anchored against the run very well and held outside contain like a pro. He was able to beat Zebrie Sanders and Cordy Glenn in the one on one pass-rush drills. They are both considered 1st round picks, and at 6 foot 5 281 lbs he has ideal size and speed. Look for Coples to be a top 10 pick in this years draft.
Joe Adams, WR/KR, Arkansas
Adams had a fumble early but came back strong in the game and caught eight balls for 133 yards. All week in practice and the game he broke tackle after tackle. He proved why he is such a dynamic return man. And looks to project as a slot WR at the next level. Look for Adams to hear his name called on the second day of this years draft.
Juron Criner, WR, Arizona
Juron Criner is someone I was high on before the senior bowl but he has proved why I felt so highly about him. Criner was able to beat good corners all week including potential first rounder Janoris Jenkins. Criner runs good routes, has good hands and amazing body control. Criner also made a few highlight reel catches over the week proving he has the concentration to hall in those tough ones. He might have risen to the second round but is a sure fire bet to be off the board by the end of the third round. With a good 40 time at the combine his stock could rise even higher being that his speed is the only question he really needs to answer.
Kendall Reyes, DT, Connecticut
Reyes had a very good week in one on one drills. He showed a surprising burst and a great bull rush. He did not rack up great numbers in his college career but did himself alot of good this week. Reyes looks like a second day selection as a 4-3 DT or a 3-4 DE.
Mike Adams, OT, Ohio State
Alot of so called experts were worried Adams stock was gonna take a huge dip going up against the south's potent pass rushers, but instead he cemented himself as a top 15 pick. He dominated Quinton Coples and Courtney Upshaw. He showed he can handle a speed rush aswell as has the strength to stuff a bull rush. Look for him to be in the first half of this years draft.
Vinny Curry, DE/OLB, Marshall
I caught alot of heat when I put him at the tail end of the first round in my first mock draft, but he has shown everyone he is a force to be reckoned with. He showed up bigger than pass-rushers like Melvin Ingram and Courtney Upshaw. Curry was in the backfield all day even getting a strip-sack aswell as his pressure forcing an interception. Watch out for Curry late on day one or very early day two of this years draft.
Honorable Mentions
Doug Martin, Courtney Upshaw, Melvin Ingram, Marvin Jones, Cordy Glenn, Isaih Pead
Who's Stock Is Down?
Zebrie Sanders, OT, Florida State
First off he caught a rough deal having to see Coples, Upshaw and Ingram all week. But the ideas of him being a left tackle are over. At this point he is not ready to see a teams number one pass rusher week in week out. He did slightly better later in the week and showed he wants to compete and get better but his stock has fallen from mid first round to late first and maybe a second day pick, seeing as he seems limited to right tackle at this point.
Dwight Jones, WR, North Carolina
At 6 foot 3 226 lbs he has great size but he did not show the ability to use it. His route running was awful at best. He was unable to get separation and seemed to lack a real competitive instinct. He will need a great combine to even sniff a chance at being selected on day two.
Chris Polk, RB, Washington
Polk looked sluggish hitting the hole and running in the open field. He was unable to pick up blitzers and his route running leaves alot to be desired. His speed will be called into question after this week and will need to answer the bell at the combine if he doesn't want to slip out of the second round.
DeVier Posey, WR, Ohio State
Posey had multiple chances to seize the moment but instead killed his draft stock. He dropped multiple passes one of which would have been a touchdown. He also quit on a route resulting in a Kirk Cousins interception in the redzone. He is gonna end up as as a late pick on day 3 unless he has a monster combine.
Jeff Fuller, WR, Texas A&M
Fuller honestly didn't hurt his stock too much because there were already questions about his hands and work ethic. He dropped easy passes time after time in practice and then again in the game. Dropping a potential touchdown in the first half. He does not run his routes with much conviction and he seems to be a guy with all the skills but not much want to in him. It is sad because he has the talent to do well but seems Fuller is his own weakness.
Now someone I wanted to say something about is Kellen Moore. This guy seems to have all the intangibles you would want in a QB. Now his arm is not elite and does not get the zip on it that you would like to see, but he is deadly accurate and throws with great anticipation. If a few WR's could learn to catch the ball he easily has 1 or 2 TD passes and maybe the MVP of the game. He will be somebody's back up for the next 10 years and be dang good at it. But if he could get in the right system, maybe a true west coast system he could start in this league. Maybe never make a pro bowl but he would not be the reason you lose games!


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Bolingbrook (Chicago), IL
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Sean Kilcarr comments on trends affecting the many different strata of the trucking industry.. Check back often for Sean's take on the trucking industry, in his award-winning blog, Trucks at Work.


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Cardinals agreed to terms with OG Alan Faneca on a one-year, $2.5 million contract, according to ESPN's Adam Schefter.Source: Adam Schefter on Twitter
Well not so suprising to me. I would have liked Faneca but it would have made us have tough decisions come roster day (like we don't have already)...anyway here is to having Big Boy Henderson sign with us!
(need 75 words for this to publish...GO TEXANS!)


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Aloft Haiyang
- Powerlong Town, Haibin Zhong Road
- Haiyang,
- Shandong
- 265100
- China
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- Phone: (86)(535) 3106666
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Written by Mark Tercek | February 25th, 2014(0)
What's Elizabeth Kolbert's favorite endangered species? Read her interview with Mark Tercek about her book The Sixth Extinction.
Written by Mark Tercek | January 15th, 2014(1)
A new song for the environmental movement? CEO Mark Tercek talks with journalist—and musician—Andy Revkin.
Written by Mark Tercek | January 6th, 2014(0)
President of the Rockefeller Foundation Judith Rodin talks with Mark Tercek about the next big innovations in the environmental world.
Written by Mark Tercek | December 13th, 2013(0)
Mark Tercek talks with Yale professor Paul Sabin about his new book, and what environmentalists can learn from a famous bet between an economist and an ecologist.
Written by Mark Tercek | December 2nd, 2013(0)
Mark Tercek talks with Ocean Conservancy CEO Andreas Merkl about marine conservation, trends in the nonprofit world and the impact "Moby Dick" has had on his life.
Written by Mark Tercek | October 17th, 2013(1)
New York Times columnist Timothy Egan talks with Mark Tercek about growing up in the American West, building support for conservation and making nature part of our "national story."
Written by Mark Tercek | October 2nd, 2013(0)
From one CEO to the next: Read Mark Tercek's Q&A with his predecessor at The Nature Conservancy, Steve McCormick.
Written by Mark Tercek | September 4th, 2013(0)
"We need a new narrative in business and politics. This is necessary to replace the existing one that assumes the degradation of nature is somehow a price we must pay for progress." Learn more about what Juniper thinks about investing in nature.
Written by Mark Tercek | August 6th, 2013(1)
Mark Tercek talks with Acumen Fund CEO Jacqueline Novogratz about poverty, the environment and creating long-term change.
Written by Mark Tercek | July 18th, 2013(0)
We're green. We're nature-lovers. We are Conservancy Talk. Hear Nature Conservancy staff and invited experts share their voices on today's conservation issues — in our uniquely rigorous, science-based way. Learn more


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ATLANTA (AP) — President Barack Obama is heading to Georgia and is expected to visit an early childhood learning center in the Atlanta area.
School officials in Decatur say the president will visit the College Heights Early Childhood Learning Center on Thursday in Decatur, just east of Atlanta.
The visit comes just days after Obama said in his State of the Union speech that he wants to work with states to make high-quality early education available to every child in America.
Obama singled out Georgia in his speech as a state that has made early childhood education a priority.
Obama on Wednesday toured an auto parts plant in North Carolina. Echoing another message from his State of the Union speech he stressed the need to strengthen the economy and create jobs.
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The evolution of Juan Manuel Marquez
By Dirv de Venecia
Published: Nov/06/2012 4:03 PM PHT
A six-time world Champion in 4 different divisions, a Pound-for-Pound Great and has built a reputation as a methodical buzz saw.
Juan Manuel "El Dinamita" Marquez (54-6-1 with 39 knockouts) could very well be the greatest Mexican boxer of this generation. With peers such as Erik Morales and Marco Antonio Barrera, he was overlooked very early in his career due to his more safety first approach.
Coming Out of Obscurity
He faced a spitfire in the form of Manny Pacquiao in May 9, 2004. He was knocked down thrice in the opening stanza leading to the pundits and the crowd to assume he will be done in the second.
But the unthinkable happened, Marquez stormed back and dominated the Filipino hot shot with his vaunted counters and by adjusting his defense. The fight would later be called a draw with Marquez retaining his titles.
It was the perfect storm that catapulted an unheralded champion who was used to fighting in small casinos into the grand stage.
He went on to defend his title twice and subsequently drop his WBA Featherweight strap to Indonesian Chris John which halted every momentum El Dinamita had.
Marquez bounced back by winning the WBO Interim title by beating Thai boxer Tersak Kokietgym, a title which he would go on to defend once and then move up in weight.
Mexico's New Face of Boxing
His next opponent was known as the face of Mexican Boxing, a man who was considered at that time the best Mexican boxer of our generation and that man is simply known as the Baby Faced Assassin.
Marquez was on the brink of regaining lost momentum and capturing another world title but standing in his way was a contemporary of his, WBC 130 lbs. champion Marco Antonio Barrera.
In what was expected to be a close tactical fight, a more aggressive Marquez blew Barrera out of the water en route to winning the WBC Jr. Lightweight crown via a wide decision.
After winning the crown, Marquez defended it once and now has started to call out the man who 1 gave him recognition: Manny Pacquiao.
On March 16 of 2008, Marquez once again fought Pacquiao and after securing 2 rounds under his belt, he was decked by the Filipino dynamo in the 3 round a moment that gave Pacquiao momentum.
He got back up, but his opponent became more confident even if Marquez was more aggressive with his counter punching. That knock down ultimately became the deciding factor for the judges to give the split verdict to Pacquiao.
A More Explosive Dynamite
Frustrated by the loss, Marquez moved up in weight to battle Joel Casamayor for the Ring Lineal Lightweight title. Pundits called the fight as one fighter looking into the mirror and seeing his own reflection, it was predicted as a contest of who can counter better.
Marquez made it the perfect venue to present a more aggressive, first to the punch game which surprised everyone watching the fight. Early on, this tactic was neutralized by the Cuban, but once Marquez found his range he never looked back.
He finished off Casamayor in the 11 and captured the aforementioned Ring Lightweight title.
Marquez elected to go up in weight and face the aggressive Juan "Baby Bull" Diaz. El Dinamita went to establish his new identity as a more in your face boxer when he chose to trade punches with Diaz.
His game plan was questioned early on when Diaz dominated and battered Marquez but the latter was known for his recuperative ability which he went on to show by knocking out Diaz in the 9 in what was hailed by ESPN as it's Fight of the Year for 2009.
Marquez expressed his desire to once again go up in weight and challenge former pound for pound king, undefeated Floyd Mayweather Jr.
That desire went into fruition when they faced one another on September 20, 2009 in a catch weight fight where Mayweather weighed heavier than the agreed 142 lbs. weight limit.
Marquez got decked in the 2 round ultimately losing the fight via a wide margin in the score cards.
The loss made Marquez re-evaluate his style and came up with a hybrid of counter punching and aggressive boxing which he presented to the world when he fought Juan Diaz (rematch), Michael Katsidis and Likar Ramos.
November 13 of last year he squared off again with his arch nemesis, then pound for pound king Manny Pacquiao. During the fight, Marquez preferred to fight via his more well known counter punching primarily to prevent Pacquiao from hurting him and knocking him down again.
The game plan was successful but it didn't lead him to victory, dropping a Majority decision to Pacquiao.
Questions heading into the 4 Fight
Certainly over the year, Marquez has shown how flexible he is with his style through the different game plans he and his camp executed in his fights.
From a counter punching heavy game to a more aggressive combination punching style he definitely can adjust to a certain opponent.
No doubt the man can explode with a counter hook or uppercut anytime, he fits his moniker well but every boxer has a weakness.
For Marquez it is his lack of adjusting styles during a fight. Something Pacquiao and Freddie Roach are known to be good at.
On December 9 of this year, he will face Pacquiao for the 4 time and he (Marquez) has stated that a victory over the Filipino legend can finally rest the ghosts of his past and he can retire by that time.
So now a few questions addressed to Marquez coming into the fight:
Yes you evolved and fought with different styles for facing specific opponents, but now can you adjust on the fly and negate every change in Pacquiao's tactics during the fight?
And can you finally overcome the fear of getting decked and go for the kill?
On December 9, a lot of questions will or can be answered by El Dinamita himself but for the time being, the entire world will be waiting for answers.
Dirv de Venecia
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Tuned - Lift Bridge Brewery
Displayed for educational use only; do not reuse.
Ratings: 13 | Reviews: 5 | Display Reviews Only:
Reviews by flexabull:
3.5/5 rDev -0.8%
10-29-2013 18:10:16 | More by flexabull
More User Reviews:
4.24/5 rDev +20.1%
Poured from a 22 oz. bottle into a Surly Darkness chalice.
Appearance: Pours a deep brown with hints of amber and ruby. Moderate amount of bubbles and a big tree finger off white head with decent retention. Leaves a lot of lacing around the glass.
Smell: A toasty aroma of dark malts with a good earthy hop presence. Toasted and roasted malts with hints of caramel, toffee, biscuit, toasted bread, chocolate, nuts, coffee bean, grains, and yeast. Big hop presence for the style with earthy, herbal, and floral hop hints. Hints of grass and pine. Subtle hints of citrus orange and grapefruit. A little brown sugar sweetness as well. A very solid brown ale aroma.
Taste: Like it smells, a toasty and nutty dark malt taste with a big balancing hop presence. Toasted and roasted malts with a taste of biscuit, caramel, toffee, nuts, and toasted bread along with notes of chocolate, coffee bean, grains, and yeast. Sweet notes of brown sugar. Big balancing bitterness from the hops with earthy, herbal, floral, and slight citrus notes. Noticeable grass and pine notes. Subtle citrus orange and grapefruit in the background. Taste is nicely rich and dry. Very good.
Mouthfeel: Medium bodied with a moderate amount of carbonation. Creamy, chewy, and fairly drying. Pretty smooth.
Overall: A very solid take on a Brown Ale. Good toasty dark malt flavors with a very nice presence of hops. Well balanced.
07-31-2013 06:45:42 | More by MattyG85
3/5 rDev -15%
07-25-2014 00:50:29 | More by 4four4
3.5/5 rDev -0.8%
07-13-2013 03:38:27 | More by Oboogie
3.33/5 rDev -5.7%
A brown, tinted scarlet look to the body. When held to the light, it is clear but then distinctly has a warm reddish color.
It has a floral, citrusy, sweet smell and hints of roast.
Tastes of roasty malt, nutty, definitely hops but I felt bitterness trumped.
Has a crisp feel with just enough carbonation to compliment the hops.
The style is a hopped-up American Brown and most assured has a unique twist. IMO worth the money for the experience and to support local craft brew.
07-11-2013 13:57:41 | More by HardWater
3.5/5 rDev -0.8%
09-14-2013 22:31:15 | More by koes0024
3.5/5 rDev -0.8%
09-23-2013 13:13:33 | More by mhaugo
3.75/5 rDev +6.2%
02-22-2014 20:13:42 | More by VancouverHops
3.5/5 rDev -0.8%
01-08-2014 00:07:26 | More by NickSMpls
3.74/5 rDev +5.9%
No freshness dating I can see
A= Pours a hazy brown color with a nice two fingers of thick creamy head that holds great retention and lacing on the side of the glass.
S= The smell is initially very hoppy with a little bit of a caramel malt character but mostly just a hop forward beer.
T= This baby is interesting. It has a nice big hop character to it and has a nice malty character as well. It's a unique mix of malt and hops. The back has a little bit of a sweet malt character to it. This is a tasty beer for me not expecting it.
M= This has a little too much carbonation for me.
O= This is a better beer than I thought it was gonna be. Nice hop character as well as a complex malt backbone. Plus free music check this beer out.
07-22-2013 21:44:34 | More by jjanega08
2.83/5 rDev -19.8%
This is the weakest offering I have had from lift bridge, not sure how fresh it is but the label caught my attention.
a: clear dark brown in color, with an off white head.
s: not much aromas coming from this one, faint hops and some slightly roasted malts.
t: similar to the smell. disappointingly bland. a little bit of hops, but more roasty malted than anything else, finishes a little sweet.
m: medium low carbonation, medium body.
o.a.: not much to write about this one unfortunately. id much rather have a farm girl or hop dish from these guys...
08-01-2013 21:49:14 | More by Beerlover
3.75/5 rDev +6.2%
07-26-2013 12:54:10 | More by DarthGuitarHero
3.78/5 rDev +7.1%
I don't fully understand what this Tuned thing is..."pairing breweries with bands"...you drink the beer, you check out the band, sure, whatever. I drank the beer, maybe later I'll use that code to find that song, meanwhile, here are the notes...
Lift Bridge Tuned American Brown, "Tapping Local Music", pairing local musicians & breweries with limited release brews. Get your digital dowload code under the wax seal for a free song. Redeem it at: www.tunedbeer.com." Okay.
Featured band: Reckless Ones. These 3 are rock & roll, plain and simple. Just trying to make an honest statement in a phony world. Their sound is from the heart and doesn't apologize for anything. This Minneapolis band has paid it's dues and now it's paying it off.
Alc. 6.5% by Vol. Brewed and bottled by Lift Bridge Brewing Company, Stillwater, MN. "The Lift Bridge crew did a hopped-up ale for this limited, one time release."
The look: dark brown coloring, smallish tan head.
The smell: grassy hops meet dark malt. Caramel, coffee, and cocoa under a layer of fresh-mown grass.
The taste: the promise from aroma lands on the palate. Hops make a splash on the tongue, grassy, spicy, citric a bit, and the flavor stays long while the rich malt rushes up to take it's place. I'm reminded of a brown ale, but the predominance of hops in the flavor subsumes and sublimates that.
Not that there's anything wrong with that, he says. It's taken me a while to get my head around the black IPA/Cascadian dark/black ale style. I still despise some versions. Getting to think that the big trend continues to be "hop it up and they'll buy it." I've got nothing against a brown ale that's a brown ale, a stout that's a stout.
But, hey, wait a minute, things are changing now, there's more roast coming up, more of the molasses and the treacle rising up, more of a blend of the sweetness and the bitter. I'm enjoying this one. Well done, Lift Bridge.
10-22-2013 03:53:23 | More by feloniousmonk
Tuned from Lift Bridge Brewery
82 out of 100 based on 13 ratings.


text:
The White House has released a map of the U.S. government's assessment of the Syrian government's use of chemical weapons on Aug. 21, 2013.
Salvador Perez hit a scorching liner off the glove of third baseman Adrian Beltre for a single, allowing Jarrod Dyson to score the go-ahead run in the eighth inning and helping the Kansas City Royals beat the Texas Rangers 2-1 on Tuesday night.
CNN Image
U.S. President Barack Obama on Tuesday authorized additional troops be deployed to Iraq to protect American diplomatic facilities and personnel in Baghdad.
The 350 troops are being sent at the request of the U.S. Department of State to beef up securit...
REUTERS/Miami Beach Police Dept./Handout via Reuters
Justin Bieber was arrested on assault and dangerous driving charges stemming from an alleged fight after his ATV collided with a mini-van in Canada Friday, a police spokesman told CNN Tuesday.
The alleged incident happened on a road in Perth County, O...
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Customer Service
Ordering Online
Submit your order securely to us via this web site. Visit us again after you have placed your order to easily track your shipment and view order history. You can even choose to pick up your order in the store at no additional cost!back to top
Ordering By Phone
Call us at 410.462.8484. Our friendly staff will assist you in placing your order over the phone. Use our site as your own personal catalog!back to top
Ordering By Fax
Mail or Fax your order to us at the address or fax number below and we will process it immediately.
BCCC Bookstore
2901 Liberty Heights Ave.
Baltimore, MD 21215
Phone: 410-462-8484
Fax: 410-462-7496
Shipping Policies
BCCC BOOKSTORE is proud to offer you the most competitive shipping rates. All of our shipments are professionally packed to ensure the safety of your items in route.
On average, your order will be received in 7 - 10 working days. During August or December, delivery time may take longer.back to top
Textbook Returns Policy for Online Purchases Only!!!
You may return most new, unopened textbooks sold by Baltimore City Community College within 3 weeks of the beginning of the fall and spring semesters and 10 days for all other terms including accelerated classes. Items must be returned in their original product packaging, in their original purchase condition and the packing slip and receipt must also be included. To obtain a copy of your receipt, use the following link:
Ship your return to the following address:
Attn: Bookstore
Baltimore City Community College
2901 Liberty Heights Ave.
Baltimore, MD 21215
Contact Support
Contact us anytime with questions or concerns via email at: firstname.lastname@example.com. You can also contact our customer service department at: 410.462.8484back to top
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MONTGOMERY, Ala. — Lawmakers voted Thursday to issue posthumous pardons to nine black teens who were wrongly convicted of raping two white women more than 80 years ago based on false accusations.
The bill setting up a procedure to pardon the group known as the Scottsboro Boys must be signed by Governor Robert Bentley to become law. He plans to study the legislation but has said he favors the pardons.


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Urge Calif. Sen. Noreen Evans To Cap Fiduciary Fees In California
Urge Calif. Senator Noreen Evans @ firstname.lastname@example.com, to CAP California Priviate Fiduciary Fees. In 2006 the State of California enacted the Fiduciaries Act, which was meant to protect consumers from financial fraud, and abuse, by California Fiduciaries. A Fiduciaries Bureau was opened and Fiduciaries had to register, take classes, and become licensed by the Fiduciaries Bureau, a Division of the Calif. Dept. of Consumer Affairs. However, since 2006, Private Fiduciaries in California have been conducting a "Feeding Frenzy" with regards to fees charged to their elderly client's estates, assets, etc., see Calif. 6th Cir. Court of Appeals recent decision. Furthermore, Norine Boehmer, president of the Professional Fiduciary Association of California is against the reduction of fees for fiduciary's whom belong to her for profit organization. Therefore, to to protect the consumer from further financial abuse by California licensed Private Fiduciaries, we urge State Senator Noreen Evans to submit legislation placing a cap on all licensed fiduciary fees in the State of California.
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