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Posts Tagged Christopher Holtby
Wealth Advisors Trust Outshines Money Centers With RIA-Friendly Solution
Posted by Scott Martin in News on February 27, 2014
Industry award confirms what Trust Advisor readers already know: size is no substitute for knowing how to help ground-level advisors integrate trust into their day-to-day business.
The biggest private banks will probably always have a natural advantage in terms of scale and national brand penetration, so it's always remarkable when a relative upstart can match them toe to toe.
Wealth Advisors Trust may have only earned a "Highly Commended" rating in the latest Private Asset Management Magazine Awards, but the company's principals are taking the second-place showing in perspective.
After all, Wealth Advisors Trust was competing against a short list of global private banks, regional wealth management firms and the wirehouses themselves in the category of best trustee services provider.
Brown Brothers Harriman, Citi, First Republic, Northern Trust, Bank of the West and Merrill Lynch all scored lower with the judges.
Only U.S. Trust – which runs well over $200 billion in client wealth compared to Wealth Advisors Trust's $180 million – did better and took the top prize.
"We are humbled as a company that the judges deemed our trustee services and our innovation
worthy of such a recognition especially in light of the strength of our fellow finalists," says Christopher Holtby, co-founder and director at the South Dakota firm.
Holtby attributes the good showing among relative giants to Wealth Advisors Trust's focus on personal trust services that may not necessarily tempt a hundred-billion-dollar institution but sit securely in the sweet spot for most investment advisory clients.
A million-dollar relationship that would get lost amid U.S. Trust's billions can receive VIP service at an independent trust company like Wealth Advisors Trust, which can keep its fees and account minimums low because it doesn't have all the overhead of a money center bank dragging it down.
Moreover, the independent model ensures that in-house bankers won't try to cross-sell credit cards, mutual funds or other proprietary products into your clients' trust accounts. There are no proprietary products. All Wealth Advisors Trust does is run the trust.
That proposition also means that a firm like Holtby's isn't going to fight introducing advisors for control of the assets that pass into a trust.
Wealth Advisors Trust focuses on directed trusts, which keep the advisor in the loop as investment manager and so
But while Wealth Advisors Trust is happy to stick to its core strengths – running the trust itself, not the money in it – the firm is still innovative when it comes to supporting new types of directed trust arrangements.
One of the breakthroughs here is the "Smart IRA," which essentially hardwires the assets to stay with a directed advisor for generations.
Since 80% of all AUM goes elsewhere when the typical client dies, keeping the wealth on the books even as it passes down the family tree is a huge incentive for a lot of the advisors Holtby's team works with.
It's smart innovation like that that helps even a relatively little player compete with behemoths. Maybe it won't win every round, but Wealth Advisors Trust definitely seems to be hitting above its weight class.
The Trusteed IRA: Helping to Reverse an 80% Failure Rate
Posted by Steven Maimes in Daily Service, Headlines on December 6, 2013
Advisors have been perplexed for years trying to find successful ways to maintain existing business when the current generation of clients dies. In fact, recent studies by TD Ameritrade and Pershing have shown that roughly 80% of individual retirement account (IRA) assets will be lost when a client passes away. Increasingly, investment advisors and custodians are being forced to look for alternative methods to retain IRA assets and accounts.
Click here to continue.
Source: Investments & Wealth Monitor
Posted by: Steven Maimes, The Trust Advisor
Permalink: http://thetrustadvisor.com/news/the-trusteed-ira
Trust Firm Pulls in $70 Million with "Directed Trusts Made Simple" Campaign
Posted by Jerry Cooper in News, Sales and Marketing on October 7, 2010
In less than 30 days, Wealth Advisors Trust's new email marketing program has produced millions in new advisor referred accounts. The firm's business development team says "the phones have been ringing off the hook."
South Dakota-based Wealth Advisors Trust Company low-risk strategy has paid off in a big way by paving the way to become the new home for $70 million and counting in directed trust account relationships.
The firm's co-founder Matt Paladidi told us, "We are flooded with new solid leads."
He expects to see $90 to $100 million or more on their books before the end of the year. All of this became possible by publishing a special report, "Directed Trusts Made Simple," exclusively distributed by email.
The complimentary report tells advisors everything they need to know about marketing directed trust arrangements. It explains how these vehicles work and why they reduce friction between advisors and traditional trust companies.
Wealth Advisors Trust retained Mass. based Financial Marketing Associates to help produce the report and launch the email marketing campaign to estate planners and advisors.
"Directed Trusts is the first in a series to come," says Paladini.
The report offers an overview of how traditional trust accounts work and how directed trusts are different, authors Christopher Holtby and Chuck Sharpe (now the president of Wealth Advisors Trust) focus most of the discussion on the nuts and bolts of bringing trust services into an investment-based practice.
Holtby and Sharpe have good, actionable advice on everything from how to pick a trust company for your client to how to integrate trust into your prospecting activities.
While they probably wouldn't mind if readers used Wealth Advisors Trust exclusively, they recognize that there are a lot of directed trust companies out there and that the important thing is finding the right client-trustee-advisor fit.
In fact, some of the best advice in the white paper is on how to interview prospective trust companies to make sure an individual client gets the best possible service.
No need to compete with advisors
Directed trusts formally split the duties of running the trust from the responsibility for managing the assets in it.
The trustee handles the complex paperwork and earns an administration fee. The investment manager — usually the advisor who suggested that a client open the trust in the first place — keeps control of the investment account.
Because the advisor isn't losing the assets, this arrangement eliminates a lot of the internal conflict that putting client assets into trust used to entail.
On the one hand, wealthy clients can reap big benefits from shielding their money from estate and income tax or from creditors.
But on the other side of the coin, advisors were understandably reluctant to refer their best accounts to full-service trust companies that have built up aggressive in-house wealth management teams of their own.
However, directed trust companies like Wealth Advisors Trust are happy to handle the trust side of the business and leave the investing to the specialists. In fact, very few even have the ability to manage the investment side even if they wanted to do so.
To receive a copy of the report, click link below: http://www.thetrustadvisor.com/email/scripts/watc_sr_requests_subscribe.html
Jerry Cooper, senior editor, The Trust Advisor Blog.
Permalink: http://thetrustadvisor.com/news/watc-success
Trust Firm Launches "Directed Trusts Made Simple" Campaign
Posted by Scott Martin in News on September 11, 2010
Wealth Advisors Trust Company gives advisors a crash course in how to provide a full range of trust services without losing their best clients to the competition.
In the past, trust companies and independent investment advisors have had an uneasy relationship at best. But now, with about $41 trillion at stake as the Baby Boom retires, the stakes have never been higher — and directed trusts are emerging as a way to let everyone win.
South Dakota-based Wealth Advisors Trust Company is one of a new generation of independent trust companies that cater exclusively to the investment advisors themselves.
But as the firm's co-founder Christopher Holtby told us, "We are finding that advisors and clients alike simply don't understand how trusts work."
He added, "In order for us to do our job right, we need to make sure that our client's and the advisors we work with understand the basics of how trusts work."
Wealth Advisors published a new special report, "Directed Trusts Made Simple," that tells advisors everything they need to know about how these vehicles work and why they reduce friction between advisors and traditional trust companies.
You can receive a complimentary copy here, click here.
Wealth Advisors Trust retained Mass. based, Financial Marketing Associates to help produce the report and launch an email marketing campaign to estate planners and advisors. "Directed Trusts is the first in a series to come," Holtby promises.
After an overview of how traditional trust accounts work and how directed trusts are different, authors Christopher Holtby and Chuck Sharpe (now the president of Wealth Advisors Trust) focus most of the discussion on the nuts and bolts of bringing trust services into an investment-based practice.
Holtby and Sharpe have good, actionable advice on everything from how to pick a trust company for your client to how to integrate trust into your prospecting activities.
While they probably wouldn't mind if readers used Wealth Advisors Trust exclusively, they recognize that there are a lot of directed trust companies out there and that the important thing is finding the right client-trustee-advisor fit.
In fact, some of the best advice in the white paper is on how to interview prospective trust companies to make sure an individual client gets the best possible service.
No need to compete with advisors
Directed trusts formally split the duties of running the trust from the responsibility for managing the assets in it.
The trustee handles the complex paperwork and earns an administration fee. The investment manager — usually the advisor who suggested that a client open the trust in the first place — keeps control of the investment account.
Because the advisor isn't losing the assets, this arrangement eliminates a lot of the internal conflict that putting client assets into trust used to entail.
On the one hand, wealthy clients can reap big benefits from shielding their money from estate and income tax or from creditors.
But on the other side of the coin, advisors were understandably reluctant to refer their best accounts to full-service trust companies that have built up aggressive in-house wealth management teams of their own.
However, directed trust companies like Wealth Advisors Trust are happy to handle the trust side of the business and leave the investing to the specialists. In fact, very few even have the ability to manage the investment side even if they wanted to do so.
Scott Martin, contributing editor, The Trust Advisor Blog.
To receive a copy of the report, click link below: http://www.thetrustadvisor.com/email/scripts/watc_sr_requests_subscribe.html
Permalink: http://thetrustadvisor.com/news/watc
Who's Charging What for Trust Services?
Posted by Scott Martin in News on April 3, 2010
Trust fees are headed higher according to our pricing survey completed this week. Some firms work strictly from a rate card. Others decide what your client will pay when the business is placed on the table. Either way, it's good to know what the "market value" of trust services.
There's still a fair amount of mystery surrounding exactly what's baked into each of those basis points.
"It's never as simple as just lining up the fees," says Mike Flinn, a Phoenix-based trust consultant at Advisory Trust Company. "Once you start drilling down into the basis points, it becomes pretty clear that different firms really do different things," he added.
To find out where the sizzle hits the steak for various types of trust company, The Trust Advisor Blog conducted a survey below of what they're charging.
Who's Charging What for Trust Services
Trust Company
Trust account minimum
Minimum annual fee
First $1 million
Next $2 to $3 million
$3 to $5 million
Above $5 million
$1 million
$5 million
$1 million
* Breakpoint is $2 million.
NOTE:Accuracy is not guaranteed. Please consult the institution directly to confirm costs. The Trust Advisor Blog realizes that this is not a comprehensive list of all firms. To make sure your institution is included or excluded in the July 2nd edition of this survey please let us know. We will be expanding coverage; please also include any other services offered such as investment management, special purpose trusts, HSAs, etc. Advisors and estate planners may reproduce this survey upon request. To contact us, click here.
Source: Websites and telephone interviews. ©2010 TheTrustAdvisor.com
The Basic Account
One thing we discovered: if you just want a no-frills account, Flinn adds, it's probably going to cost at least $3,000 a year. "That's really the minimum anyone can comfortably charge."
"Maybe $2,500," he conceded. "But at that level, it's going to be very difficult to stay in the business."
While $3,000 happens to be what Advisory Trust charges on the low end, it does seem to be an informal sweet spot within the trust industry. Other companies that start at that level include New Hampshire Trust and Georgia-based Reliance Trust.
There are companies that charge small accounts less (Nevada's Summit Trust will go as low as $100 a year), but plenty start their fees at $4,000 and up. It all depends on the size of account they're courting and what makes economic sense, Christopher Holtby, president of Wealth Advisors Trust Company, told me.
"Hitting the sweet spot is part art, part science," he explains. "There are very specific things that every trust has to do, and everything else is extra."
Good scale for big fish
Northern Trust doesn't publish its fee scale, but president Dan Lindley was kind enough to give The Trust Advisor a peek.
Although the $20,000 minimum fee looks steep at first, it makes a lot more sense when you consider that Northern Trust isn't really interested in personal directed trust accounts with less than $5 million in assets. For a client with that kind of wealth, the $20,000 translates into at most 40 basis points a year—pretty low by industry standards.
(Really big clients get institutional-strength discounts. Once a Northern Trust account grows beyond $30 million, the company will only charge 5 basis points: $500 a year per $1 million.)
The upshot is that by concentrating on high-end clients, a white-glove firm like Northern Trust can build a lot of sizzle into its steak, even though the cost per dollar of AUM is comparable to what bare-bones vendors charge.
"Northern Trust in Delaware charges a reasonable, competitive fee and in return provides comprehensive services to our directed trust clients backed by more than 120 years of experience as a fiduciary," Lindley told me.
Other high-end trust companies argue that at this level, it's pointless to advertise your fees because high-net-worth clients and their advisors are happy to pay for the service.
Some vendors refused to participate in the survey because they either work on an a la carte basis (Alaska Trust) or figure out what to charge once they see the trust paperwork (Commonwealth Trust). As Alaska Trust founder Douglas Blattmachr told me, it's pointless to advertise how much a generic offering would cost when the fact is that at this level, one size fits none.
"It really does depend on what the client wants us to provide," he says.
When asked to present a benchmark, he estimated that a relatively bare-bones Alaska Trust account might charge 50 basis points a year or an annual minimum of $3,500. That's about where vanilla Commonwealth trusts start, Jim McMackin, who runs the company's marketing, told me.
Splitting smaller pies
Naturally, it's going to cost extra if the trust company also manages the underlying assets. But there are a lot of vendors out there that are happy to offload the investment responsibilities and knock a bit off their fees in return.
Companies like Wealth Advisors Trust, Advisory Trust and Santa Fe Trust, cater exclusively to investment advisors looking for a place to refer their clients who need to open a trust.
Account minimums tend to be relatively low—Wealth Advisors Trust and Santa Fe Trust can theoretically start a trust with as little as $1—but expenses can be a little higher to cover the fixed cost of administering these tiny trusts.
For example, Santa Fe Trust accepts very small accounts, but according to its published fee scale it will still charge them at least $4,000 a year. At an annual fee of 75 basis points, this suggests that a trust really needs to have more than around $533,000 in it to "earn out" that $4,000 minimum fee.
By comparison, Wealth Advisors Trust's scale "earns out" at a slightly higher level ($800,000 in the account), which indicates that its platform is built to support a somewhat more affluent clientele. Others on our list (Advisory Trust, Reliance, Saturna, New Hampshire Trust) justify their minimums at lower levels.
Whatever happens, says Kathy Roberts, the CEO of Santa Fe Trust, small accounts shouldn't be loss leaders.
"We don't take a trust that isn't going to be profitable," she told me. While she'll take on a tiny trust if the grantor insists, she warns that advisors should recognize that the trust company will pass on the cost of running it and sometimes it just doesn't make sense.
Where we go from here
Most of the people I talked to say the cost of running a trust has already gone about as low as it can go.
Mike Flinn from Advisory Trust and Douglas Blattmachr of Alaska Trust agree that the cost of fiduciary compliance and routine service probably isn't going any lower than around $3,000 per trust any time soon, especially given the current trend toward higher regulation.
"It's expensive to be a fiduciary," Blattmachr acknowledged in our conversation. "So that provides a floor on what people can offer."
But beyond that level, technology keeps improving and letting efficient trust companies bring down their overall cost proposition. Blattmachr says low-end players can use technology to better serve the mass market. Kathy Roberts of Santa Fe Trust agrees.
Either way, Christopher Holtby of Wealth Advisors Trust told me that there's always room for enthusiastic competitors.
"Wherever fees go," he says, "there are going to be a lot more entrants in the trust service business."
Scott Martin, contributing editor, The Trust Advisor Blog. Steven Maimes contributed to the research and the editing.
Permalink: http://thetrustadvisor.com/news/fees
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Do You Own an Apple iPad?
The Trust Advisor will be publishing an upcoming article on wealth management applications for the new Apple iPad device.
I have seen the device and its amazing. Forbes reported that Apple sold between 600,000 and 700,000 iPads today alone.
We would like to include any comments our readers have about their experience with the device, either good or bad and what applications they may be using.
Click this link to submit your iPad comments
Thank you — Jerry Cooper, Sr. Editor, the Trust Advisor
New SEC Custody Rule Boon for Directed Trust Providers
Posted by Jerry Cooper in News on March 19, 2010
Audit and compliance fees are sending RIA trustees to independent trust companies. Providers welcome the new business.
A new SEC rule that took effect last Friday leaves thousands of RIAs facing annual surprise audits and has triggered a surge of new business for trust companies that specialize in lightening the load.
The audits are part of a package of new rules adopted by the SEC last year in response to the Ponzi scheme perpetrated by Bernard L. Madoff. Under the new system, an advisory firm the SEC considers to have custody over client assets has to pay for an annual audit to properly account for all funds and trades.
According to SEC records, the new rule affects 10 percent of the 25,000 RIAs, including those who handle trust accounts for families, charities and retirement plans such as 401(k)s and ESOPS.
With few exceptions, trustees are now deemed to have custody, but advisors who let a corporate trustee handle the trustee work are off the hook.
Christopher Holtby, president of Wealth Advisors Trust Company, tells me that the new rule is a boon for companies like his, which specialize in doing just this.
"It lets us do your heavy lifting." he said. Dan Ehrmentraut, JD is Wealth Advisors' Director of Business Development, comes to Wealth Advisors Trust Company with over 20 years experience in the directed trust advisory business.
By partnering with a separate trust administrator, advisors can go on managing their clients' assets without being considered the custody provider. The arrangement is known as a directed trust.
The decade-old trust feature that splits trustee and advisor into separate operations has become accepted practice for banks and trust companies nationwide. Trust Advisor Blog wrote a story several weeks ago that explained how they work.
I spoke to several accounting firms recently to determine how expensive the compliance audits will be. Estimates range from a low of $16,000 all the way to $100,000, largely depending on the stature of the firm.
The expensive part of the engagement involves an internal control report similar to a SAS‑70 audit, which must be received by the SEC within six months of becoming subject to the requirement. In addition, advisors must respond to new questions on a revised Form ADV.
Given these headaches, Christopher Holtby at Wealth Advisors Trust tells me that directed trust is a "win-win situation" because there aren't any conflicts of interest and "if you work the math out, our fee is substantially lower than the compliance cost."
Holtby's firm is based in South Dakota, where trust rules are most favorable to advisors. His firm can also support dynasty and asset protection trusts, which are most desirable with high-net-worth investors to complement their estate plans.
Many advisors are still trying to work through compliance problems, says Valerie Baruch, assistant general counsel of the Investment Adviser Association, a Washington, D.C.-based trade group that has been on top of this issue since the beginning.
Over the last few months, advisors have wrestled with serious confusion as to who needed to comply. The SEC eventually posted clarifications on its website that dealt squarely with the central question:"If an employee of an advisory firm serves as a trustee to a firm, does the advisory firm have custody?"
The answer to the question, according to the SEC, is "yes." However, the clarification, released only a week before the new rule went into effect, did not give advisors much time to shop for accountants or deal with the issue properly. While the Trust Advisor Blog received many questions from advisors over the last several weeks concerning this, the matter seems to have been laid to rest—for the time being.
In addition to advisors who serve as trustees, those who provide multifamily office services also come under scrutiny of the new SEC custody rules.
I spoke to Mari-Anne Pirsarri, a Washington, D.C.-based lawyer, who told me that any time an advisory firm has the ability to direct the custodian to pay a third party, the SEC says the advisor has custody.
David Newkirk, a managing director with Schwab Institutional, told me that when advisory firms serves as trustees or have the ability to tell us to send money to third parties, they effectively have trust custody. He added "We beat this question up pretty well," he told me.
I also spoke to Steve Austin at Fidelity and that firm's position is identical to Schwab's. "It's cut and dry," he said. "The advisor has custody when they tell us what to do with the money."
Mari-Anne Pirsarri told me the SEC has made additional clarifications (and a few exceptions) for multifamily office providers. For example, she says when a client calls up an advisor who is also a multifamily office provider and says, "Pay my taxes for $50,000," that involves custody. However, if the client calls up the advisor and says, "Move my money from Schwab to Fidelity," custody isn't an issue.
She notes that there is so much confusion because, after awhile, the arguments start circling back on themselves. But the SEC means business, she says. "The SEC is not backing off on this one."
Despite this, the SEC has made a few concessions. When the audits were first proposed last year, the SEC took the position that even deducting fees from client accounts represented custody. The SEC received over 1,000 letters and wound up agreeing that advisors who are simply authorized to collect their fees did not have true custody over their accounts.
Jerry Cooper, senior editor, The Trust Advisor Blog. Scott Martin contributed to the editing.
Permalink: http://thetrustadvisor.com/news/custody


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The Oklahoma City Thunder will wrap up their season series with the Charlotte Bobcats tonight at 7 p.m. EST in Charlotte.
The Thunder destroyed the Bobcats the first time they played this season back on Nov. 26. OKC won 114-69 and led by 40 at halftime.
That game was really too crazy to try and take anything away from for this matchup. What we know is very clear and that is that the Thunder are on a completely different level than the Bobcats.
At this point in the season, OKC should dispose of Charlotte pretty quickly. The Thunder are playing a back-to-back, coming off a 95-94 win over the New York Knicks last night, but should still come out of the gates strong.
Russell Westbrook has been leading that charge lately as he leads the league in first quarter points per game since the All-Star Break. He had 15 of his 21 in the first quarter last night.
Kevin Durant scored 34 points in the Thunder's win last night including the two game-winning free throws with a minute and a half left.
The Thunder have won six of their last seven games while the Bobcats have lost nine of their last 10.
One bright spot for the Bobcats lately has been rookie Michael Kidd-Gilchrist who has scored 17 points in each of his last two games on 16-of-24 shooting.
As long as the Thunder execute and knock down the open shots that they know they are going to get, they should have no problem winning tonight and allowing their starters to rest for the fourth quarter in the process.

subset: commoncrawl


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Governors Island National Monument has two examples of early US fort design: Castle Williams and Fort Jay.
Did You Know?
In 1860, nearly half of the enlisted men stationed on Governors Island had immigrated to New York from either Ireland or Germany. Women immigrants from these countries also took their first jobs "off the boat" as maids and servants in the officers' homes on the island.


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Summer of Megadeth: Hey, BuzzFeed! Eat our dust! Here are *200* albums from 1993. That's more than 29, in case you need the math on it.
Ha. If the original Buzzfeed list didn't include these two Front 242 albums, then it was written by a complete moron. Argument over. Argument ends.


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Washington, D.C.-Lawmakers looking into the explosion and oil spill in the Gulf of Mexico say a crucial piece of safety equipment had a leak.
Henry Waxman, who chairs the House Energy and Commerce committee, says the maker of the blowout preventer told lawmakers the device had a leak.
The California Democrat believes a series of equipment and operational failures led to the explosion.
"Transocean, one of the world's largest operator of drilling rigs, says it has no reason to believe that the rig's failsafe device, called a blow out preventer, was not fully operational, but we have learned from Cameron, the manufacturer of the blow out preventer, that the device had a leak in a crucial hydraulic system and a defectively configured ram."
"The more I learn about this accident, the more concerned I become. The catastrophe appears to have been caused by a calamitous series of equipment and operational failures If the largest oil and oil service companies in the world had been more careful, eleven lives might have been saved and our coastlines protected."
Waxman also says his committee's investigation revealed the well failed a negative pressure test just hours before the explosion.
He cited BP documents received by the Energy and Commerce Committee that showed there was a breach in the well integrity that allowed methane gas and possibly other hydrocarbons to enter the well.


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BNA's Health Law Reporter
Justices Reject NLRB Recess Appointments; Significant Health Care Decisions in LimboJuly 10, 2014
BNA's Health Law Reporter
The EEOC and FTC Turn Up the Heat on Employer Background ChecksApril 10, 2014
Zashin & Rich move marks big milestonefor E&Y TowerNovember 11, 2013
Zashin & Rich law firm leases last full floor of Ernst & Young Tower at Flats East Bank projectNovember 8, 2013
Associated Press
US Claims Father Illegally Moved Kids to GazaMay 2, 2012
CCH Employment Law Daily
"NLRB NEWS - Controversy Erupts Over NLRB Recess Appointments" January 2012
Huff Post
Divorce's Impact On Small Businesses Can Be 'Immense'
Reuters, October 2011
The Today Show - Video
"Accused Facebook bigamist heads to court" September 2, 2010
MSNBC - Article and Video
"Facebook Busts Accused Bigamist - Woman Finds Her Prince Charming Has Married Another" July 29, 2010
WKYC - Article and Video
"Cleveland woman discovers husband's 'other' wife via Facebook" July 2010
Worth Magazine
"Top 100 Attorneys" 2007
Andrew Zashin
Inside Business Magazine
"Connecting Through Separation"
Profile on Andrew Zashin
December 2007
Cleveland Jewish News
"Valuing and dividing assets
at the time of divorce"
By Andrew Zashin, Esq.
February 16, 2007
Case School of Law: In Brief
"Plugged into Family, the Law, and Cleveland"
Alumni Spotlight on Andrew Zashin
Spring 2005
Cleveland Magazine
"The Divorcing Woman's Best Friend"
Feature Article Profiling Andrew Zashin
By Colleen Mytnick
November 2004
"Companies should consider coverage
against employee-related claims"
By Stephen Zashin
July 12-18, 2004
"ADR programs can save dollars and time"
By Stephen Zashin
November 10-16, 2003
COSE Update: Legal Ease
"One Size Does Not Fit All"
Article on Employment Practices
Liability Insurance
By Stephen Zashin
COSE Update: Legal Ease
"Noncompete Agreements"
By Michele Jakubs
COSE Update: Legal Ease
"Ohio's 'Baby COBRA' Law"
By Helena Oroz
Reproduced with permission from BNA's Health Law Reporter, 23 HLR 903 (July 10, 2014). Copyright 2014 by The Bureau of National Affairs, Inc. (800-372-1033) http://www.bna.com
Download PDF
The U.S. Supreme Court's June 26 decision that President Obama lacked the authority to make recess appointments to the National Labor Relations Board in January 2012 undermines the validity of hundreds of board decisions, rules, and other actions affecting health-care entities, attorneys told Bloomberg BNA (NLRB v. Noel Canning, 2014 BL 177533, U.S., No. 12- 1281, 6/26/14).
The ruling is especially significant for health-care employers because unions are active in the labor intensive health-care sector and a number of the NLRB decisions affected by the high court's ruling involved health-care providers (22 HLR 203, 2/7/13).
Although the exact impact of the decision on the NLRB, employers, unions and employees remains to be seen, the board is faced with resolving existing and future cases that may arise out of now invalid actions, including some of the most important and controversial rulings the board made in 2012 and 2013, attorneys said.
The White House's ability to push through healthcare agency nominees also could be compromised in the future if Republicans win control of the Senate in November, they added.
Holding that the president could not make ''recess'' appointments when the Senate was holding pro forma sessions, the high court clarified some ground rules for future recess appointments and made clear what many labor attorneys previously said they suspected: that myriad decisions and rules issued by the board between Jan. 4, 2012, and Aug. 5, 2013, are subject to challenge.
Patrick J. Hoban, with Zashin & Rich, Cleveland, said that approximately 331 NLRB decisions were rendered invalid by the Supreme Court's ruling. In addition, ''to the extent that affirmation of Noel Canning undermines the legitimacy of former Member Craig Becker's appointment, it could be used as a basis for vacating another 109 NLRB decisions dating back to Aug. 28, 2011,'' he added.
''Some things after the Court's decision are certain: the NLRB will not be able to obtain enforcement of decisions issued by the unconstitutionally constituted NLRB; cases pending in federal courts regarding enforcement of NLRB decisions rendered during former Member Becker's recess appointment are subject to challenge based on Noel Canning; and the NLRB and federal courts have begun dismissing enforcement actions/vacating NLRB decisions in light of the decision,'' Hoban said.
In a unanimous judgment, the high court affirmed a ruling of the U.S. Court of Appeals for the District of Columbia Circuit that an NLRB order was invalid. The board lacked a quorum because three of its five members were improperly appointed by Obama, the Supreme Court said, agreeing with the appeals court.
However, the high court divided 5-4 on important questions about the power of Obama and future presidents to make recess appointments to positions that normally require the advice and consent of the Senate.
''Many NLRB decisions impacted by the Supreme Court's ruling involve health-care industry employers or have important implications for them.''
PATRICK J. HOBAN, with ZASHIN & RICH, Cleveland
''Many NLRB decisions impacted by the Supreme Court's ruling involve health-care industry employers or have important implications for them.''
PATRICK J. HOBAN, with ZASHIN & RICH, Cleveland
Writing for the majority, Justice Stephen G. Breyer said the president may make appointments without Senate confirmation during recesses that occur either during or outside of Senate sessions, and is not limited to filling vacancies that come into being during a recess. But the president cannot act during Senate recesses of less than three days, and ''presumptively'' cannot make a recess appointment during a recess of less than 10 days, the court said.
Justices Anthony M. Kennedy, Ruth Bader Ginsburg, Sonia Sotomayor, and Elena Kagan joined in the majority opinion.
Justice Antonin Scalia, joined by Chief Justice John G. Roberts, and Justices Clarence Thomas and Samuel A. Alito, concurred in the judgment, but wrote separately and disagreed with much of the majority's reasoning.
Scalia agreed the 2012 NLRB appointments were improperly made because the Senate was actually in session, but argued that the U.S. Constitution only gives the president the power to act without Senate confirmation during recesses that occur between sessions of the Senate, not during intrasession recesses.
The concurring opinion also agreed with the D.C. Circuit that the recess appointment power only applies to vacancies that arise during a Senate recess, and does not allow the White House to act during a recess on a vacancy that existed before the recess even began.
Obama made the appointments to fill vacancies on the board that would have left the NLRB without a quorum to decide cases.
Becker, a Democrat, was given a recess appointment as a board member in 2010. Becker's recess appointment expired Jan. 3, 2012, at the formal end of the first session of the 112th Congress.
The Supreme Court held in 2010 in New Process Steel LP v. NLRB, No. 08-1457, 2010 BL 136207 (U.S. June 17, 2010), that the authority of the five-seat board cannot be exercised by a panel with fewer than three members.
Due to two vacant seats on the board, Becker's departure left the NLRB with only two members who lacked authority to decide cases under New Process Steel.
On Jan. 4, 2012, Obama announced recess appointments of Democrats Sharon Block and Richard F. Griffin and Republican Terence F. Flynn to serve on the board. Obama had nominated Flynn in January 2011, and nominated Block and Griffin on Dec. 15, 2011, but the Senate had not acted on the nominations.
The Senate had been holding pro forma sessions every three days for weeks before the president's action, and Republicans contended that the Senate was not in recess when the appointments were made.
In 2013, a three-judge panel of the D.C. Circuit found that an NLRB order against Yakima, Wash., bottler Noel Canning would otherwise have been enforceable, but the president's recess appointments were unconstitutional (705 F.3d 490, 2013 BL 20942 (D.C. Cir. 2013)).
The NLRB asked the court to review the appeals court's reasoning on recesses and on the occurrence of a vacancy.
Noel Canning asked the court to consider and resolve a third issue—whether the president's recess appointment power may be exercised when the Senate is convening every three days in pro forma sessions as it was in early 2012. The court agreed to consider the additional issue (22 HLR 977, 6/27/13).
The high court heard oral argument in the case in January (23 HLR 99, 1/16/14).
Attorneys who spoke to Bloomberg BNA said that, while the specific implications of the high court's decision were uncertain, there was no doubt the impact will be significant. They noted that the board could—with the current, properly appointed board—reissue many of the affected decisions and rules, but that it was too soon to predict the full dimensions of the fallout.
NLRB Chairman Mark Gaston Pearce said in a statement the board is ''analyzing the impact that the Court's decision has on Board cases in which the January 2012 recess appointees participated.''
Pearce noted that the board now has ''a full contingent of five Senate-confirmed members who are prepared to fulfill our responsibility to enforce the National Labor Relations Act.'' The NLRB chairman said the board intends to resolve any cases affected by the Noel Canning decision ''as expeditiously as possible.''
Charles I. Cohen, senior counsel in Morgan Lewis & Bockius in Washington, confirmed that about 300 published NLRB decisions, as well as approximately 500 unpublished decisions, that were decided by the board between January 2012 and August 2013 depended on the votes of recess appointees.
In addition, Cohen noted, there are more than 100 cases pending in federal appellate courts, where the quorum issue was raised. Litigants in some of those cases may no longer have an interest in having them considered by the newly constituted five-member NLRB, but many will want to revisit the cases, and the board will allow them to do so, Cohen said.
The NLRB weathered a wave of cases returning to the board after the Supreme Court held in New Process Steel that the agency could not decide cases with fewer than three members on a panel, but Cohen said the situation after the Noel Canning decision is more serious.
Cohen said the ''universe'' of cases that could return to the board is much larger this time, and the cases have different characteristics. The board that decided cases from January 2012 to mid-2013 ''was not shy'' about addressing important and sometimes controversial cases, Cohen said, so some of the parties who litigated those cases are more likely to be interested in taking their cases back to the board in hopes of obtaining different outcomes.
Scott J. Witlin, a partner in Barnes & Thornburg, Los Angeles, told Bloomberg BNA that any party that lost a case at the board during the period when the 2012 recess appointees served may want a chance to have the case reconsidered. Witlin said the NLRB was seen as ''heavily partisan'' during that period, particularly when the resignation of Republican member Flynn left the board for a time with a 3-1 Democratic majority.
While the board issued some significant and controversial decisions in 2012 and 2013, returning the same cases to a board that now has a 3-2 Democratic majority makes ''major policy shifts unlikely,'' Witlin said. Nevertheless, he said, many parties in NLRB cases may conclude that a future change in board composition, or developments in the courts, will make another effort before the NLRB worthwhile.
Sources told Bloomberg BNA that the Supreme Court's decision could also limit the White
House's ability to fill health-care agency vacancies if
Republicans gain control of the Senate.
''Any employer in an industry that is heavily
regulated—which certainly includes the health-care
industry—is well advised to keep a close eye on administrative
appointments and use its industry organizations
to register its concerns about potential candidates,''
Hoban said.
''It also is a virtual certainty that decisions/authority
of federal officers—potentially including federal
judges—for whom the President made a recess appointment
within or close to the parameters set forth by the
Supreme Court in Noel Canning was unconstitutional,
will be subject to challenge in federal court,'' Hoban
The decision isn't likely to affect how Congress operates
in the coming months, because Obama appointees
can be confirmed by a simple majority in the
Democratic-controlled Senate. Should Republicans
take control of the chamber after the midterm election,
however, the ruling gives them a blueprint for shutting
down any nominations that they don't like.
''Many NLRB decisions impacted by the Supreme Court's ruling involve health-care industry employers or have important implications for them,'' said Patrick J. Hoban, with Zashin & Rich, Cleveland. The first four are at issue only if former Member Becker's appointment is called into question, Hoban added.
Democrats have a slim 53-member majority in the
Senate. Out of 36 Senate seats up for grabs in November,
21 belong to that party's members, while the remaining
15 are held by Republicans.
Reporter by Lawrence E. Dube´, Chris Opfer, Cheryl Bolen, and Peyton M. Sturges
Editor: BarbaraYuill
of the opinion is available here.
Disclaimer ©Copyright 2014 Zashin & Rich Co., L.P.A. All rights reserved.


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Boyne City Condo Rental Photos and Description
2 bedrooms + sofa bed/futon, 2 bathrooms, sleeps 8
Creekside condominiums offer ski-in/ski-out access. Modeled after the original Disciples Ridge condos, Creekside is Boyne's newest and most luxurious condo development. This professionally decorated condo has a master bedroom with king bed, flat screen TV with DVD player, and private bath with jetted tub and tiled shower. Second bedroom has two queen beds, television and its own full bath just off the foyer. The living room has a gas fireplace (the back side of the outdoor fireplace – a classy touch!), flat screen TV with DVD player and a couch that folds out to accommodate two adults. The kitchen has granite countertops, as do all the bathrooms, and tile throughout. There are lots of windows and an incredible view of northern Michigan from the living room. Awesome indoor/outdoor fireplace with six person hot tub that is completely private and available exclusively for our renters. There is even an outdoor table and chairs if you choose to dine outdoors.
Walk out the door and jump right onto the slopes as our condo is located 50 yards from chairlift and a slope runs right alongside our condo!!!
Boyne Mt. is a golfer and skier's paradise offering the top-rated skiing and snowboarding and golf courses in the Midwest. Boyne also has the largest water park in the Midwest, tennis courts, Deer Lake/beach and several dining options. Golf, skiing and snowboarding lessons are available, and so is childcare.
If you find yourself having trouble deciding which unit to choose, and there are many options, just feel free to give us a call. We rented and stayed with Boyne prior to buying and we can walk you through the resort layout and give you practical advice. Moreover, once you rent from us, we suspect you'll book with us again, and again, and again as many of our renters do.
- Suitability:
- non smoking only
- pets not allowed


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Need something to get your mind off the summer heat? Last fall Melissa de la Cruz and Michael Johnston launched their Heart of Dread series with Frozen. And on Nov. 18, readers with get Stolen with the series' sequel. Heart of Dread is getting a new look, and we can exclusively reveal the cover for Stolen (click above for the full-size image) and the newly redesigned Frozen (below), which comes out in paperback on Aug. 8. READ FULL STORY
Tag: Melissa de la Cruz (1-7 of 7)
'The Ring and the Crown': See the cover for Melissa de la Cruz's newest novel -- EXCLUSIVE
'Twas the day before Christmas, so Shelf Life has decided to give you the greatest present of all: an exclusive cover reveal! How gorgeous is the cover for Melissa de la Cruz's newest novel, The Ring and the Crown? The book doesn't hit shelves until April 1, but judging by the cover—which I realize is not what I'm supposed to do—Crown looks really promising. READ FULL STORY
Brr, it's cold out there: Check out the cover for Melissa de la Cruz's 'Frozen' -- EXCLUSIVE
Fighting the frostbite, readers? We've got the perfect exclusive to ease your ails — the cover for Melissa de la Cruz's brand new book Frozen!
The Blue Bloods scribe has teamed up with her husband Michael Johnston for the series Heart of Dread, which kicks off in September with the chilly first installment. Set in a dystopian future where the planet is blanketed in ice, Frozen centers on the 16-year-old Nat, a blackjack dealer in New Vegas looking to leave the city behind. She's heard tell of "the Blue," a palm-treed paradise that may or may not be real, but more importantly, a place where Nat can escape her past. Her only hope of getting there is a band of mercenaries led by a boy named Wes. But can they be trusted? Check out the exclusive cover reveal for Frozen below:
Are you excited for de la Cruz's new book?
Read more:
See the trailer for Melissa de la Cruz's second 'Witches of East End' novel 'Serpent's Kiss' — EXCLUSIVE
'Blue Bloods' author Melissa de la Cruz's new book gets a trailer: Exclusive!
EW Exclusive: First Look at Melissa de la Cruz's 'Misguided Angel' cover
'Blue Bloods' author Melissa de la Cruz's new book gets a trailer: Exclusive!
Melissa de la Cruz, the author of the popular Blue Bloods vampire series, is starting on a new sequence of novels. The first book is called Witches of East End, and while I was hoping that would mean it would resemble a combination of this and this, the trailer below indicates something a little different. A coven of witches living on Long Island have the power to raise the dead, see the future, and concoct potions that can cure heartache (also known as vodka martinis). Check it out.
EW Exclusive: 'Blue Bloods' author Melissa de la Cruz's new series cover reveal
After tackling vampires and hell hounds, Melissa de la Cruz is ready to get witchy. The author of the popular YA series Blue Bloods is releasing the first book in a new series, this time for adults, called Witches of East End. Centering around the magically inclined Beauchamp family, the series will take place in the same universe as de la Cruz's previous books, and readers can expect some of her bloodsucking characters to make an appearance. "It'll be more than a cameo," de la Cruz told EW. "They are a little more integral to the plot than just coming by and saying, 'Hi!' They actually become suspects in the book's mystery." Witches of East End hits stores in June.
EW Exclusive: First Look at Melissa de la Cruz's 'Misguided Angel' cover
Melissa de la Cruz fans, here's the exclusive first look at the cover of Misguided Angel, the fifth in the Blue Bloods series, which is slated for Oct. 5 publication. (Fans who can't wait until fall for their Blue Bloods fix, fret not: de la Cruz has written an in-depth guidebook of sorts, Keys to the Repository, due out in June.) The author recently talked to EW.com about Misguided Angel's cover art, her non-fiction past and being a self-proclaimed "sci-fi geek."
ENTERTAINMENT WEEKLY: So, what do you think about the cover? Did you have any say in it?
MELISSA DE LA CRUZ: I had a huge say in it. I really wanted it to be otherworldly, very beautiful. I like it because the girl's face — to me she could look Asian, or Latino, or Italian. I just thought it was kind of nice that she had this universal look where you couldn't really tell what race she was. It's great for an angel to look like that.
This is the fifth book in the series – how many do you plan on releasing? Did you think it would last this long?
I had a very ambitious program when I first outlined this; I definitely planned a big series. From the beginning five years ago, I said I had a plan for nine or 10 books and they said, 'Whoa! OK! We'll buy two and see how it does!' And then they kind of took off. I had a plan if it didn't work out how to end it on book three, but if it did work I definitely had this big overreaching arc that I wanted to explore. I dream big! (laughs)
Can you spill a little something about what happens in Misguided Angel?
It was a really fun book because my idea was as the books continued, there would be little arcs every three or four books. I feel like books one through four really dealt with Bliss and Lucifer, and then Schuyler and Jack kind of discover a new threat and they uncover things that happened in the past that is affecting the present: a deep, evil secret that the Blue Bloods have kept. In New York, Mimi kind of deals with this new thing, so there's this evil that happens in several places in the world that they all have to deal with that all kind of ties to one thing, and they have to find the root of it. READ FULL STORY
Exclusive: Melissa de la Cruz on her new series
Hyperion has signed Melissa de la Cruz — whose Blue Bloods vampire books have all been huge YA hits —to a two-book deal for an adult paranormal series. The first, The Witches of East End, will go on sale in May 2011. "It's about a mother and two daughters who move to town and shake things up," says de la Cruz. "There's already a family of warlocks living there who aren't too happy with their arrival…It's based on old Norse mythology." She notes that characters from Blue Bloods will show up in the books — "some in essential roles; others more tangential" and says, of her switch to adult fiction, "I've been writing YA books for more than a decade. Many of my fans have grown up. Now I can have more grown-up themes: One character works in a bar; another gets involved with the mayor. There are romantic entanglements that are not so innocent!"
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Dinner Tonight
Dinner Tonight: Steak + Avocado Caesar Salad
A sneak peek to summer and those long, lazy dinners.Read More »
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You deserve a cookie.
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FYI, this is old. Ok, a year old give-and-take but still.
I had forgotten I had done this and hadn't uploaded it. Well, I had a good reason.
This picture was originally done for a ZOIDS fan anthology that a group here on DA was planning to do back in late 2010. I had heard about this by mere luck and I totally wanted to participate in something that promoted a series that sometimes doesn't get its merit. That, and at this point I wanted to participate in an anthology, original or fan. Two birds with one stone! Except that I forgot I had college. Oops.
I decided to draw Pierce, who is one cool lady and one of my many fave charas from this franchise. As you could see, this was rushed. XD >_>;; Around this time I was pretty busy, seeing as it was my penultimate college semester and I had 5 classes. Or 6. I don't remember. So again, like much of my work during college, I had to try and make this a good pic and do it fast at the same time. I had planned to do a full-blown out Zabat in the background flying and I couldn't do it because I couldn't manage to make time for it XD;; I just thanked my lucky stars that there was an extension at some point. I finished it in Jan. 2011 (bwaha) and sent it off. :)
Fast forward to a couple of months and there are absolutely no new updates nor any new info on the anthology itself. I left a comment on the group's page and nothing. In the end, I just chalked it up to little time for the organizer to be able to organize everything properly and/or general loss of interest. :shrug: If anything, it felt like Tessa Stone's situation, where she basically disappeared and decided to never tell anyone what happened, leaving all up in the air.
In hindsight, I should have emailed the organizer as well, like a proper person does ^^; But something told me that might have been in vain so I never did it. (Plus, I kept forgetting to.) If it weren't for all this though, this possibly could have been my first published work :D XD
So, after remembering its existence, up this goes because this series needs love. X3
- orudios412 reblogged this from jadinerhine
- orudios412 likes this
- jadinerhine reblogged this from melonxing and added:
Thank you! Actually, if you checked your email like I have now, there's some news about it :D And I agree; participating...
- fyeahzoids reblogged this from jadinerhine


text: fuckyeahfeminists Fuck yeah, feminists!: So a Girl Walks into a Comedy Club.... fuckyeahfeminists.com fuckyeahfeminists: *trigger warning: jokes about rape* breakfastcookie: This is something that happened to a friend of mine in her own words. "So, on Friday night my friend and I were at her house and wanted to get out and do something for the evening. We brainstormed ideas and she brought up the idea of… Wow, fuck that guy! fuckyeahfeminists Source: breakfastcookie rape rape culture comedians laugh factory


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The Hinesville Downtown Farmers Market on Thursday debuted the spring market, which will run through March and April, a time when the market typically has not been available in the past.
While groups like Savannah Feed the Hungry and Manna House work to ease hunger in the wider population, a recent community effort aims to alleviate the problem in a smaller group: school children.
The Long County Chamber of Commerce recently honored student Lauren Young and teacher Sherry Lester during the annual Student Teacher Achievement Recognition (STAR) ceremony at the Ludowici Church of God.
The "Fatal Attraction" monster truck and owner/driver Jeff Murphy will be at O'Reilly's in Hinesville from 2-5 p.m. Thursday, March 1.
Coastal residents and out-of-state visitors alike converged on Riceboro to learn about the Geechee culture Saturday through exhibits, demonstrations, performances and music.
Despite a finding that information was not provided in a timely manner, auditor Christopher Lightle said Monday that the Liberty County Development Authority's fiscal-year 2011 statements were "totally correct and fairly stated."
The official opening of the Fraser Counseling Center annex was held Sunday at Midway Congregational Church, United Church of Christ.
Savannah Feed the Hungry made an encore visit to Liberty County on Saturday and the charitable food distribution organization brought along a special guest: Naomi Barber King, sister-in-law of Dr. Martin Luther King Jr.
Tracy McFadden was named Walthourville's new police chief last Friday. He replaces Terry J. Harget, who led the department since its inception in 2009.
Local residents can hear, watch and experience the Geechee story live through "Rice, Riddum 'n' Rime" starting at noon Saturday at the Geechee Kunda Cultural Arts Center and Museum in Riceboro.
Georgia manages 63 state parks and historic sites, but only four lodges. One of those is George T. Bagby State Park and Lodge, a 700-acre lakeside getaway on the eastern banks of Lake Eufaula near the Alabama border.
The pay of Ludowici Municipal Judge Larry Fowler was questioned at the February Ludowici City Council meeting.
They've been heralded for their perseverance, creativity and spunk. It has been dubbed "the little school that could," and they rallied the community around a spirited two-month competition.
Imagine an ideal budget-friendly vacation. One might picture traipsing the coast, observing the arts, visiting historical markers, sipping wine and snacking on sweets.
The Long County Board of Education received a presentation Feb. 13 from Dr. Glenn Purcell, assistant superintendent/curriculum director, concerning how Georgia's waiver from meeting No Child Left Behind standards will affect the school system.
The Liberty Consolidated Planning Commission on Tuesday recommended that the city of Flemington annex eight parcels of land that mistakenly were identified as un-zoned county property.
The general elections are a week away, but Liberty Countians have been casting ballots since Oct. 13 at two polling locations.
The Hinesville City Council approved a balanced budget for fiscal year 2015 during a special called meeting Wednesday afternoon in city hall.
Atlanta Gas Light and Liberty County Development Authority officials held a groundbreaking Thursday at the Tradeport East Business Center in Midway for the start of construction on a $9.7 million natural-gas pipeline.
Hinesville City Council members were briefed Thursday by City Engineer Paul Simonton and Robbie Norby, project manager of underground utilities for public-works contractor CH2MHILL, about a sewage overflow that occurred Oct. 3
A story appears to be developing in Walthourville, but details are still scarce. According to the city's police chief, Tracy McFadden, a search warrant has been executed at the home of Walthourville City Councilman James Hendry. Agents from the Department of Revenue were seen carrying plastic containers containing alcohol out of the residence.
Liberty County teems with history.
Keith Martin sees a problem in Liberty County.
The Long County Sheriff's Office arrested three suspects in connection with the Sept. 30 vandalization of a football field at the Long County Recreation Department.
An Atlanta-based development company is working with the Hinesville Housing Authority to build affordable one-bedroom units with a priority of being given to homeless veterans.
Since East Liberty County American Legion Post 321 started in October 2006, members have met in banquet rooms and at the Dorchester Academy. For the last five years, they've met at the Midway Police Department.
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Its All About Money are a collection of articles with advice on the best ways to manage and grow your money!
Types of Mobile Banking
24, October, 2014
Benefits of using a Debit Card
Muhurat Trading & Its Myths
Are NRIs subject to Income Tax?
14, March, 2014
Internet Banking
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By Leo Stevenson
Game Info
GAME NAME: Injustice: Gods Among Us
DEVELOPER(S): NetherRealm
PLATFORM(S): Wii U, PS3, Xbox 360
GENRE(S): Fighting
RELEASE DATE(S): 17 April 2013
The Wii U version of Injustice: Gods Among Us was patched yesterday to include the ability to download the four additional characters already released for PS3 and Xbox 360.
NetherRealm updated the Wii U edition to version 1.1.0 and added the existing DLC to the Wii U eShop. Owners of a Wii U copy of the game can now download Lobo, Batgirl, Scorpion and General Zod for $4.99 USD (local pricing unavailable at the time of writing). The Injustice season pass however, it noticeably absent from the eShop.
The eShop also offers four free character skins in addition to the various skin packs -- "Blackest Night", "Flashpoint" -- which have been available for PS3 and Xbox 360 for some time.
While the update has added the ability to download additional content, the Wii U version still sadly lacks the ability to create lobbies for Nintendo Network friends.
Are you playing Injustice on Wii U? If so, let us know what it's like.


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It's no secret that judging and showing American Quarter Horses are perfected arts. Competitors around the world work each day to improve their riding position, make their reining circles rounder and train their horses to avoid ticking a trail log.
If you answered "yes," then the AQHA educational judging seminars are the answer! AQHA judging seminars are open to current AQHA-approved judges, potential judge candidates and exhibitors wishing to learn more about how American Quarter Horses are judged at approved shows.
Bring your clients, invite local judges or simply come by yourself. You can learn firsthand what it takes to exit the arena with top honors and be confident that you're following AQHA guidelines when you're picking the next world champion.
March 2015 Educational Judging Seminar
-Dates and locations will be announced later this year.
See more AQHA Partner benefits
Please use our contact form.
Call Customer Service
(806) 376-4811
American Quarter Horse Association
1600 Quarter Horse Drive
Amarillo, TX 79104


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Discovering Your Soul's Purpose
Your astrological birthchart is a virtual blueprint of your soul describing why you are here. This weekend will empower you to fully manifest that potential. Kaypacha will use Astrology, kundalini yoga, breathwork and meditation to heal your deepest personal dynamics and to assist you in opening as a channel for spirit-guided wisdom.
Each person will come away knowing themselves in a whole new manner with life changing awareness. CLICK HERE to see more on the event page.
Friday Evening (7-9pm) The Astrology of 2014 This introductory talk will set the foundation for the weekend by describing with astrology what we are all feeling on a soul level.
Saturday - activities will include breathwork, yoga, and an exploration into the 12 archetypes of the zodiac. We will begin to apply the meaning of the signs to points in each person's natal birthchart.
Sunday -, Beginning with kundalini yoga we will spend the day together understanding the planets and the houses of the birthchart by doing "mini readings" of everyone's chart!
Corfu Buddha Hall, Greece, October 31-November 2
CLICK HERE to see more on the event page.
For further information please email: Sarvaan at email@example.com
Cost: €150 ($197 USD) entire weekend.


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Related Photo Galleries
What's more fun than throwing a load of your pals in a beat-up Chevywagon and hitting the road? That's Chad Reynolds driving his '56 Chevywagon with Sean Stark riding shotgun and Josh Murphy, Harley Bowers, andKris Michael in the back (left to right).
© Hotrod.com
TEN: The Enthusiast Network
All rights reserved. LIWWBIIS8


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Dutch necromantic death metallers AntropomorphiA have just released their new video for 'Nekrovaginal Secretions' from the album 'Rites ov Perversion.' Watch the video now at www.metalblade.com/antropomorphiaRead More
Dan Briggs, Walter Fancourt, and Matt Lynch, the trio behind the brilliant progressive/jazz act Trioscapes will be back on the road for a brief run of dates beginning on November 30th.Read More
Anaal Nathrakh
Anaal Nathrakh's eighth studio offering, Desideratum, is out now in North America via Metal Blade Records. If you missed it, get traumatized by the sounds of Desideratum, still streaming in full at Revolver Magazine HERE.Read More
With the release of 'Deathless', REVOCATION have completely revamped and re-launched their official website. Check it out at http://revocationband.comRead More
Downfall of Gaia
In collaboration with Rock Hard Germany DOWNFALL OF GAIA present the second single from their upcoming new album 'Aeon Unveils The Thrones Of Decay'.Read More
New Releases
Metal Blade TV
Upcoming Releases
Latest News
IN SOLITUDE stream "Sister" in its entirety on MetalBlade.com
- September 30th, 2013 – North American tour with Watain begins October...Read More
KILL DIVISION launch video clip for "Mechanic Domination"!
- September 30th, 2013 – Dutch death/thrash metal brigade, KILL...Read More
THE OCEAN: Excerpt From The Pelagial DVD Now Playing
- September 26th, 2013 – Today, Revolver Magazine is pleased to reveal...Read More
TÝR's new album, "Valkyrja," enters charts worldwide
- September 25th, 2013 – TÝR's brand new album,...Read More
RIVERS OF NIHIL stream new song on Stereokiller.com
- September 25th, 2013 – Rivers of Nihil have unveiled the second track...Read More
WHITECHAPEL launch new lyric video and contest to win signed ESP guitar on BloodyDisgusting.com
- September 25th, 2013 – North American tour with GWAR begins next...Read More
GWAR Endorses Super Bowl Petition, Announces Run Of Holiday Dates
- September 25th, 2013 – "Madness at the Core of Time" Tour...Read More
BEHEMOTH to tour the pacific rim in October
- September 24th, 2013 – BEHEMOTH will be traveling to the Eastern...Read More


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i read this book long time ago in my own language (translated one). at that time i didn't find it so interesting. And then recently i finished this book in English. and i was just, wow….! reading in original language is so precious and i wish i could read Agota Kristof, Saint-Exupéry, Moebius, Tove Jannson, Astrid Lindgren, Gabriel García Márquez… many many more, in their original language.
But at least, i can read English, Huuurray!


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- Includes FREE MP3 version of this album Here's how (restrictions apply)
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|4. Love in Vain
|5. Midnight Rambler
|6. Sympathy for the Devil
|7. Live with Me
|8. Little Queenie
|9. Honky Tonk Women
|10. Street Fighting Man


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You must earn 10,000 points to post other members' whiteboard
What is thew secret to retiring? I just cannot seem to get there mentally....
Congratulations on making it to #20 on the Louisville posting. You Go Buddy. I have your back. Have a Great Day and Be Safe. David
Congratulations of 1,500,500 Total Points Buddy. You almost have one year back on consecutive days. I hope this finds You and Yours doing Great and Keep Up the Great Work. Be Safe! David
Thanks for the Congrats plus kind words, also Glad to have you as my newest buddy, Keep up the good work, Your Gas Buddy
A Big Congrats on reaching the 300 Day Mark Posting, Wanna be Gas Buddies
Congratulations on 300 consecutive days Buddy. It won't be long and you be over 1 year on consecutive days. You and Yours take care and be Safe. Your Buddy David
Where did you get those extra 15 points on 30 day and 2nd half? I wanted to wish You and Yours a Happy Labor Day weekend and Please BE SAFE. Your Friend David
To think we both joined this website just days apart 7 years ago. Most have quit posting prices but we both have stuck around all these years.
Congratulations on 1,401,105 Total Points Buddy. I hope this finds you and yours doing Great and keep the faith. Keep the Mrs Happy. Hard work and dedication is the key to success. David
Mud wants to thank you for being his friend. His Whiteboard privileges were taken away from him by the Administration so I'm doing it for him.


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Tomy Freestyle Three-in-One Booster Seat
Product informationIdeal for parents on the go, this 3-in-1 booster seat doubles as a storage bag. Includes bottle storage pouch, nappy storage compartment and cushioned changing mat. The bag easily transforms into a useful booster seat with a flexible strap that allows it to be attached to most kinds of chairs. Suitable for children old enough to support themselves when sitting.
- Brand
- Dimensions
- H25 x W30 x D11cm
- Eligible for International Delivery
- Suitable From
- Suitable for children who can sit up unaided
- Washing Instructions
- Wipe clean
Click & collectFree Click & collect from John Lewis or Waitrose shops for collection tomorrow from 2pm
342 participating John Lewis and Waitrose shops
- Free
Standard delivery
- £3.00
Next or named day delivery
- £6.95
Next or named morning delivery
- £9.95
International delivery available
- Europe (Non EU) - £7.50
- Europe (EU) - £7.50
- Rest of World - £25.00
- From £7.50
Collect+ from a local shop from tomorrow - postcode exclusions apply for Collect+ deliveries5000+ participating Collect+ shops
- £3.00
We want you to be happy with your purchase. If you're not, just return the products to us or to one of our shops. Unless faulty, we'd like this to be within 90 days of purchase. Exceptions apply to certain products - find out more about our refund policy.
Depending on the type of product, you can make free returns via our shops, Royal Mail (or courier collection for large or heavy items), Collect+ or via MyHermes.
Q & As
UK delivery:
£3.00 Standard delivery
Click & collect
Free Click & collect from John Lewis or Waitrose shops for collection tomorrow from 2pm
£3.00 Collect+ from a local shop from tomorrow
International delivery available:
From £7.50


text:
Lionel 36086 Southern Pacific Flatcar with Trailer
Sold For:
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Sold Date: 12/25/2011
Channel: Online Auction
Source: eBay
Category: Toys, Dolls, Games & Puzzles
A very nice, Lionel 36086 SP flatcar with SP trailer. Comes with die-cast sprung trucks and magnetic couplers. I bought this car new and only displayed it for a short time, never ran it on my layout. Comes with original box, inserts and instructions.
I will ship the day after I receive payment and I will discount shipping charges for shipments I can combine.
Shipping covers the lower 48 of the USA or APO/FPO. Please contact me for other shipping destinations (actual cost) or payment options.
Please contact me with any questions!Thanks, Mike
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text:
22303 Saint Clements Ave, Leonardtown, MD 20650
Call (410) 212-3414 to Request More Info
Click for additional Photos, Virtual Tour, Maps & More...
22303 Saint Clements Ave is a Rambler style Detached of 792 ft. and sits on a lot of 4000 ft. or 0.092 acres. This home was originally built in 2004 which makes this property approximately 10 years old. This home has 1 bedrooms and 1 bathrooms.
Listing Price: $245,000
Foreclosure: N
Sqft: NA
Property Type: Detached
Style: Rambler
County: Saint Marys
Year Built: 2004
Listed by: Home Towne Real Estate
Short Sale: No
Bedrooms: 1
Bathrooms: 1
Half Baths: 0
Community: St Clements Shores
Last Updated: November 21, 2013, 6:14 pm


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Check out the Cobra Starship 'Good Girl Gone Bad' Tote Bag available in The Fueled By Ramen Webstore for $5 today only! This offer is valid until 11:59pm EST!
News - cobra starship
|May 27, 2011
|May 10, 2011
Get the brand new Cobra Starship 'Pool Party' t-shirt now in The Fueled By Ramen Webstore!
Cobra Starship's new single 'You Make Me Feel... (feat. Sabi)' is out now! Click HERE to download it on iTunes!
|May 09, 2011
Cobra Starship's new single 'You Make Me Feel...(feat. Sabi)' is out now! Watch the lyric video below and download it on iTunes starting tomorrow!
|May 06, 2011
Alt Press revealed the artwork for Cobra Starship's new single 'You Make Me Feel... (feat. Sabi)' today along with some more details about their upcoming album, Night Shades. Click HERE to see what Gabe Saporta had to say!
"I tried to reach out to the Bangz while recording our last album. I thought they'd be great for 'Nice Guys Finish Last.' But alas, despite being able to get Leighton Meester, a Bangz cameo eluded me. The universe has a funny way of circling back around, and a couple months ago a memo came across my desk at the headquarters of Cobra International. It read, 'Sabi from the Bangz wants to do a song with you . . . don't be a putz.' "
Look for 'You Make Me Feel... (feat. Sabi)' on iTunes May 10th!
Since the song leaked we thought we would make this video to get the song out there and give you guys a hint at what our album title is... if you can figure it out you are a fucking genius and we will call the first person that tweets me back the correct title...
Ok back to work on the record!
|April 20, 2011
Check out the Cobra Starship 'Venom' V-Neck! You can get the shirt for $5 in The Fueled By Ramen Webstore during the Spring Cleaning Sale. The sale ends at the end of the day April 24th! You can also get the Kiss My Sass (Purple Vinyl) for $5 while supplies last!
|April 11, 2011
Gabe Saporta from Cobra Starship will be the guest DJ at InTune presented by Rolling Stone magazine and Music Unites. The event will be held at Dominion NYC on Wednesday, April 13th at 7pm and will also feature performance by The Pretty Reckless. Click HERE for more details and to order tickets!
|March 30, 2011
Click HERE to check out a gallery of photos of Gabe and Ryland from Cobra Starship at the premiere of All On The Line last week in New York City! Here's a shot of them with Ryan Tedder of OneRepublic.
|March 11, 2011
Ryland from Cobra Starship made this awesome video for Korg showing how he creates his "music beats" using their products.


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Press release submitted by the Midwest Writing Center.
What: Free public presentations offer encouragement in freelance marketing and publishing.
When: June 23, 2010
Where: Midwest Writing Center, 225 E. 2nd St., Suite 303, Davenport, Iowa
The Midwest Writing Center is hosting free public self-publishing and freelance presentations from 7 - 9 p.m. on June 23. Presenters will include David R. Collins Writers' Conference faculty Eric Butterman, and Steve Semken.
Freelance writer and teacher Eric Butterman has written for more than 50 publications, including ESPN.com and Glamour. Butterman has been a freelance instructor for the Editorial Freelancers Association, JournalismJobs.com and Ed2010.com, and has lectured at NYU and Harvard. Butterman's presentation, "Overcoming Rejection as a Writer," will detail the steps and importance of resilience and persistence in the face of rejection during the writing and publishing process.
Publisher and author Steve Semken has run North Liberty, Iowa based Ice Cube Books since 1993. Semken has authored six books and has published over 50. Semken's "Self-publishing & Marketing Yourself" will focus on independent freelance marketing and publishing.
A Q&A session will follow the presentations.
Coal valley, IL Details
Pork and Bean Bread
(More recipes)
|(More Print Ads)


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Real Life Adventures by Gary Wise and Lance Aldrich
- January 08, 2014
- From Beginning
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Comments (8) (Please sign in to comment)
He must be management…
Surfin' porn…
Of course… not. He fell asleep on the keyboard AND display.
- – – – – – – – – – – – – – – – – - – – – – – – – – – – – – – – – – -
CSI/IT is preparing to do a DNA match on the drool and facial skin cells, as well as, matching the key imprints on his cheek with the latest letters typed on the screen.
Better cop to it now or face the untimely wrath of the whole IT department on your future request tickets!
Hashtag Liar
This is just my new YTREWQ tattoo.
It's written all over his face.
Lia, liar, pants on fire.
Back in the days of mechanical teletypes as consoles on mainframe computers, one of our customers had a recurring problem with the console getting gunked up. Eventually they discovered that the night-shift operator was sleeping with his head on the console and drooling into it. (Then there were the magnetic tapes contaminated by the powdered sugar on the operators' donuts, but that's another story.)
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Photo 107 Notes
Nov 4
107 notes Posted on Thursday November 4th
Reblogged from djkjfjglgk-deactivated20120430
Reblogged from djkjfjglgk-deactivated20120430
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About the contractor
Shoemaker Construction operates out of Rolling Hills Estates, CA and holds a General Building Contractor license according to the California contractors license board.
Shoemaker Construction has a BuildZoom score of 90 and is rated in the top 30% of 336,931 contractors in California.
Their license (874770) was verified as active when we last checked. If you are considering hiring Shoemaker Construction, we recommend double-checking their license status with the license board and using our bidding system to get competitive quotes.
Contact Info
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128 Buildzoom Score
Active License
3 Permits
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Toro - Lombardo Design Build
General Contractor and full service Interior Design firm founded by Italian Architect Silvia Lombardo and Interior Designer Gabriella Toro of Cipp... more General Contractor and full service Interior Design firm founded by Italian Architect Silvia Lombardo and Interior Designer Gabriella Toro of Cippananda Interior Design. We have over 20 years experience in hign quality residential remodels and new construction from concept to completion. The design build process will maximize your budget and ensure that the work will be on schedule and perfectly executed and you'll love our exceptional crew. You can check our work also at www.cippananda.com
1037 maple st. remodel of front porch (160 s.f.)
1037 maple st. remodel of front porch (160 s.f.)
View all of this contractor's building permits
MARTINS CONSTRUCTION - General Contractors
Good looking swimming pool. I'd like to see some more product photographs.
Martins Construction
Los Angeles, CA Remodeling General Contractor and Home Builder
Reroof sf
Ready to start your project?
Key Business Information
- License Number: 874770
- Status: Active
- State: California
- Type: General Building Contractor
- Date Issued: 2006-03-23
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- BuildZoom has verified this information with the license authority and BBB (when applicable).
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Remodel without the risk
About BuildZoom
BuildZoom is the world's largest repository of information on contractors. Every month, over 500,000 people use BuildZoom to research contractors.
BuildZoom makes hiring a contractor fast, easy, and safe. Homeowners who hire through BuildZoom's free bidding system report extraordinarily high rates of satisfaction, and are protected by the BuildZoom Guarantee.
Why use BuildZoom? We have run advanced algorithms against 3 million contractor licenses, 40 million building permits, BBB records, and homeowner referals to identify reliable remodeling contractors with stellar track records.
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text:
If Walls Could Talk ...
Picture-Perfect Past
Episode WCT-1211HSee all Episodes
First, Harriet Paine of Shelburne Falls, Mass., discovers that she has led a parallel life with a previous owner of her house. Next, Vicki and Tim Puchta of Hermann, Mo., knew their farmhouse had roots and vines, but they didn't know that the history of those vines stemmed from Bavaria and continue today as a winery. Then, in Topsham, Maine, Brian Sampson bid on the town library and won a wonderful home, complete with a mysterious story of the former record-breaking homeowner. Finally, Pat and Bob Ramey bought their 1920s clapboard house in Faulkville, Ala., not knowing there was a special link between the original owners and themselves.


text:
Legacy 650 Sim at FlightSafety St. Louis Gets Level-D Qualification
A new Embraer Legacy 650 level-D flight simulator at FlightSafety International's St. Louis learning center has received approval from the FAA, EASA and Brazil's Agência Nacional de Aviação Civil. Legacy 650 training will start at this location in the second quarter. FlightSafety serves Embraer as its factory-authorized training provider for the E-Jets line of commercial jets, as well as the Lineage and Legacy executive jets.
Please Register
In order to leave comments you will now need to be a registered user. This change in policy is to protect our site from an increased number of spam comments. Additionally, in the near future you will be able to better manage your AIN subscriptions via this registration system. If you already have an account, click here to log in. Otherwise, click here to register.


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Friends of Short Hills Park
Friends of Short Hills Park is a community-based organization dedicated to preserving the cultural and natural integrity of Short Hills Provincial Park through liaison with Ontario Parks, volunteer work, public education and fund raising activities.
Trail Update July 28 The park is suffering the consequences of the most recent heavy rainstorm. Please stay off any trails that are marked closed until the park staff can again access the damage. Many of the trails will be undercut from the storm waters eroding the banks - proceed with caution or even better, stay out until further notice.
"In the wilderness is salvation of the world."
— Henry Thoreau
As a friend of Short Hills Park I understand that;
Help support Short Hills Provincial Park by becoming a "Friend" and receive the Official Short Hills Trail Guide.
Your membership helps keep the park available for you to enjoy as well as for programs, repairs and trail signage. Members enjoy four meetings a year with educational speakers and exclusive events, such as the winter Moonlight Walk.
Email: firstname.lastname@example.com
For further friends information, write to:
The Friends of Short Hills Park
c/o PO Box 236
Fonthill, ON, L0S 1E0


text: Garth has a new label, Sony and new music in the next few months. The album will be out on or around Black Friday and it'll probably be a double record. As for his tour, which he said'll be "mass chaos and high volume," the first stop is revealed Monday and it's one ticket price for everyone. Garth will also finally sell his music digitally in the next 2-3 weeks but only on his website at what he calls a "stupid price as a thank you for those who patiently waited." I figured out what his favorite word is because he said 6 times yesterday, 'sweet.'


text:
Seattle Superhero Phoenix Jones Does ALS Ice Bucket Challenge While Getting Tasered
It has been awhile since we have seen the Seattle superhero, Phoenix Jones. But, with the "ALS ice bucket challenge" all over the internet, Phoenix has come out of hiding to accept the challenge. The goal of the "ALS ice bucket challenge" is to raise awareness for Lou Gehrig's Disease


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Year's end is neither an end nor a beginning but a going on, with all the wisdom that experience can instill in us. ~Hal Borland
I don't remember the exact year I decided a New Year's resolution was a waste of time but it's been years. Instead, on New Year's Eve or Day I take some time to reflect on where I have been, where my actions didn't live up to my values and look forward to being a better person this coming year. There are no rules to this, nothing written down, or promises made. Just a simple conscious effort to be more the person I want to be remembered for when all is said and done.
Whether we want them or not, the New Year will bring new challenges; whether we seize them or not, the New Year will bring new opportunities. ~Michael Josephson
A new practice has taken hold, at least online, as New Year's day approaches. This is the practice of choosing one word as a theme. My one word would at first seem to be in conflict with what I believe in, but if I were to choose one word for 2014 it would be "More". More smiling at strangers. More impromptu conversations with those I pass on the street. More time with those I love and respect. More time spent in nature and my garden.
These things are simple, yet they bring me happiness and knowledge that I may have made a difference in just one other person's day. "More" is also perfectly inline with my values of wanting to see a stronger and more connected community around me.
One resolution I have made, and try always to keep, is this: To rise above the little things. ~John Burroughs
Life is challenging enough, we don't need to borrow more trouble, or stress, and bring it into our private lives. This year I've watched my oldest son lose his job and learn surviving without an income is harder today that it was 20 years ago. He's not the only one, many people around the world are struggling to make ends meet. Others have been diagnosed with serious medical problems or some other "big" problem. Forget the little things, who cares if your hair or clothes are perfect and get out there and enjoy what you have that you are grateful for.
If I have one wish for you, and every person around the world, it would be finding your own small amount of peace and happiness this year.
We spend January 1 walking through our lives, room by room, drawing up a list of work to be done, cracks to be patched. Maybe this year, to balance the list, we ought to walk through the rooms of our lives… not looking for flaws, but for potential. ~Ellen Goodman


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Technicians: Are you making this dental mistake?
Dentistry is medicine; treat it that way.
Mar 02, 2011
Perhaps the most easily corrected problems in the clinic are ones of mind-set. For example, Mary Berg, BS, RVT, RLATG, VTS (dentistry), says a common error technicians make with respect to dentistry is not one of technique, but one of perception, as she explains here.
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Alife Spring 2010 Footwear – Detailed Look
February 25th, 2010 by John Kim | No comments
Here's a closer look at what Alife has to offer for Spring 2010. If you're a fan of the LES-born brand, you don't want to miss out, so check out the detailed pics. There's a strong focus on the mid-tops and chukkas, like the Kennedy High, Chuck, and Public Estate Mid in a variety of colors and materials. Also available is the Alife Everybody Low in four colors that we compared to the Supreme x Nike SB Bruin Collection. Continue reading for more images, and watch for these to drop soon. via SF.


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Think you need to be seasoned chef to prepare a fantastic supper? With these savory pork chops in your freezer, you can think again! Lean and full of flavor, they'll have dinner guests raving long after the table is cleared. From Smithfield.
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M28477 — Smithfield (10) 4 oz. Choice of Boneless Pork Chops w/Rub
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Ship Week 12/8 Smithfield 8-9 lb. Spiral Ham & Stonewall Kitchen Glaze
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