text:
UT Tyler Psychology and Counseling
Master of Arts in School Counseling - ONLINE
The Master of Arts in School Counseling program at UT Tyler prepares proficient, creative, and multi-culturally competent school counselors to: (a) assume an active role in counseling, consulting, and leadership, (b) promote academic excellence and equal learning opportunities for all students, and (c) base their work on a fundamental understanding of comprehensive developmental school counseling programs, including methods of planning, development, implementation, monitoring, and evaluation. Program graduates are prepared as systemic thinkers who demonstrate competence in fundamental counseling skills, work from a theoretical counseling perspective, and are considered competent in the use of current research in the practice of professional school counseling.
The program curriculum is designed to align with the Texas School Counselor standards and the American School Counselor Association (ASCA) guidelines. This degree meets the requirements for counselor certification set forth by the Texas State Board of Educator Certification (SBEC).
The School Counseling program is a cohort program that begins each Summer. There is no Fall or Spring entry into the program.
For additional information, email firstname.lastname@example.com.
Online Master of Arts in School Counseling
- Complete coursework online
- Graduate in 18 months
- M.A. = 36 hour program, vs. 42-48 in many programs
- TExES passing rates among the best in Texas with 100% pass rate for school counseling students, putting our graduates among the best prepared in Texas
- Currently employed full-time, K-12 teachers are eligible for $200 the first graduate semester by applying for the Teachers in Excellence Scholarship
Admission Requirements
To be admitted to the UT Tyler Master of Arts in School Counseling program, a prospective student must submit all undergraduate and graduate transcripts, GRE Scores (ETS code 6850), a completed department information sheet (D.I.S.), a Statement of Purpose essay (described on the D.I.S. form), three completed Reference Forms, and an admission interview scheduled through our online scheduling program.
International Applicants: If the applicant's bachelor's degree is from a non-US institution, it must be evaluated by a service on this list. Also, a total TOEFL iBT score of 79 with a speaking subsection score of 26 or higher is necessary for admission.
Submit complete transcripts reflecting the reception of a Bachelor's degree and any other relevant undergraduate and graduate coursework. Students should request official academic transcripts be sent to the Office of Graduate Admissions. Any request by the student for acceptance of graduate transfer credit should contact email@example.com.
Application Submission
All application documents and interview must be completed and received by April 30, 2016. No applications or documents will be accepted after April 30, 2016. Application fees are non-refundable, even if the application arrives after the April 30, 2016 application deadline.
There are two portions of the application process:
- Start by applying through our online application.
- Send all transcripts to the Office of Graduate Admissions (first address below)
- Send GRE scores to the Office of Graduate Admissions (our ETS code is 6850)
- If you have a master's degree with a GPA of 3.0 or higher, you do not need to submit GRE scores.
The Office of Graduate Admissions ADM 345
The University of Texas at Tyler
3900 University Blvd
Tyler Texas 75799
- Complete a Department Information Sheet
- Compose a statement of purpose (described on the Department Information Sheet)
- Have three reference forms filled out
- Schedule an admission interview
Note: All applicants may be subject to a background and fingerprint check from a university-approved vendor at applicants' expense.
Send all of the above to the address below:
Georgia Glazebrook, Admissions Coordinator
College of Education and psychology
The University of Texas at Tyler
3900 University Boulevard, BEP 223
Tyler, Texas 75799
You can also e-mail all documents to Georgia Glazebrook or fax to 903.565.5996.
Out-of-State Information
If you are an out-of-state applicant, please be aware of the following:
- Out-of-state tuition is substantially higher than in-state tuition. See the graduate calculator to determine your tuition.
- The State of Texas requires that the internship be done in Texas or at a Department of Defense school in order to receive Texas certification. This means that you could still participate in our program and earn your master's degree, but unless you did your internship in Texas, you would not be able to be certified in Texas.
- We make no claims that our program meets the standards of any state other than Texas; you must research your own state's regulations in regards to certification in that state.
The following elements are used to calculate an admission score for the MA in School Counseling program. A student must receive a total of 5 or more points using the following criteria:
|GRE Verbal
|GRE Quantitative
|GPA (Last 60 hours)
|160 or higher: 3 pts
|150 or higher: 3 pts
|3.50 or higher: 3 pts
|151 or higher: 2 pts
|147 or higher: 2 pts
|3.00 or higher: 2 pts
|149 or higher: 1 pt
|144 or higher: 1 pts
|2.75 or higher: 1 pt
Program Courses
|Course Number
|Course Title
|Counseling Theories and Applications+
|Family Therapy
|Cultural Diversity and Advocacy
|Foundations and Ethics of School Counseling
|Career Counseling and Assessment
|Advanced Principles of School Counseling
|Supervised Internship in School Counseling
|Research Methods in Behavioral Science
|Abnormal Psychology*
|Tests & Measurements
|Human Growth & Development Advanced Studies
|Counseling Children & Adolescents
|Group Counseling and Therapy
|Behavior Modification#
|+Cross-listed with PSYC 5312 Counseling Theories
|*Abnormal Psychology may be taken during any of the first four semesters. PSYC 5308: Advanced Psychopathology and Diagnosis may substitute for this requirement. This class is waived if the student took Abnormal Psychology as an undergraduate within six years of starting the program.
|#Required for students who are not fully certified as teachers
Additional Information
For assistance, please see the links below to access the appropriate department
- Apply for financial aid
- For assistance with your bill (regarding fees or non-tuition related charges) contact the Cashier's Office, email@example.com
- For assistance with your bill (online program tuition-related charges) contact Kris Marquis.
- To apply for the Teachers in Excellence scholarship
For additional information, email firstname.lastname@example.com.
Career Outlook: The U.S. Bureau of Labor Statistics anticipates that job opportunities for educational, vocational and school counselors will increase by 12% through 2022. Requirements for schools to employ a school counselor and increasing demands in counselor responsibilities are behind much of this growth. For more, visit Occupational Outlook Handbook - School and Career Counselors.
Salary Information: See Bureau of Labor Statistics for detailed salary information on these careers. Another great resource is the Occupational Outlook Handbook
Meet a University of Texas at Tyler Graduate Student
Guide Tomorrow's Students as a Professional School Counselor
Master's in School Counseling: Creative Learning. Multicultural.
- Participate in a program that instills a fundamental understanding of counseling skills and teaches students to apply them creatively and in ways that respect cultural differences.
- Complete a supervised practicum in a school setting to gain valuable hands-on experience counseling students.
- Learn to apply current educational and psychological research findings in school counseling.
- Become a student member of the American Counseling Association to network with other professional counselors and keep current with the latest developments in the counseling field.
School Counseling Faculty: Experienced Counselors. Talented Teachers.
- Study with professors who use iChat, Illuminate and other interactive media to engage students and enliven online learning.
- Learn from professors who are experienced counselors and dedicated to mentoring students in their educational and career choices.
- Participate in online courses taught by professors who are respected experts and researchers in the school counseling field and frequent presenters at professional conferences.
More about the UT Tyler master's in school counseling program of study
Learn about UT Tyler's school counseling faculty
Learn more from the Department of Psychology and Counseling


text:
Child Care
Access to child care can be a key factor in attracting and retaining long-term business investments and involved community partners. It is also an important community resource that helps support working families.
Child Care Facilities and Enrollment by Type
Compare geographies (or time series)
- First Step
- Head Start participants
- Licensed centers
- Licensed homes
- Ministries
Child Care Space Availability
Compare geographies (or time series)
- Licensed care space per 100 age 0-4
- Number of slots available for children in licensed centers
- Children receiving vouchers
- Children waiting for vouchers

subset: commoncrawl


text:
How to make your office a den of productivity
Getting workers to understand the best ways to use an office space doesn't require a complete reprogramming of how a company operates
DBA is a series on Mashable about running a business that features insights from leaders in entrepreneurship, venture capital and management.
Getting workers to understand the best ways to use an office space doesn't require a complete reprogramming of how a company operates
No matter how sophisticated your product may be, your audience isn't going to buy it if it doesn't solve a real problem.
Why homogeneity stifles culture and fresh ideas
A serial entrepreneur explains why stopping at "no" is the worst thing for a young founder.
Treat customers like family and your employees like kings and queens
When's the right time to go from "stealth" to launch?
First-year CEOs should never worry that they're over-communicating. Forging relationships and trust is critical.
Board meetings aren't effective when you're stuck playing catch-up. Here's how to implement the best structure and timelines
3 key processes integrating empathy into artificial intelligence tech -- and why this is a vital shift
It's vital to put yourself in the customers' shoes, so build your business around their needs
'I've found that one of the best ways to get to know people is to talk with them while they're driving.'
Data-savvy CMOs are taking the reins at more organizations
"A sincere dedication to putting the customer first isn't always easy, but it does go a long way."
What if every car could be turned into a taxi? What if vacant rooms could become mini hotels? What if nobody had ever asked those questions?
Making bold investments in open and transparent internal communication, regardless if you're a team of five or 5,000, pays off
Follow these 5 steps and you may actually get a response
Why it's incumbent on companies to make sure their employees are learning
Unproductive meetings are killing your bottom-line and team morale
You should take a closer look at a 'unicorn's' sky-high valuation.
Why growing startups need to embrace their small stature and underdog role
Here's why global CEOs need to handle their distributed teams with great attention and care
Prize money isn't the only reason to enter a startup competition. They also offer invaluable mentorship and marketing opportunities.
Mature entrepreneurs know that experience counts. Here are four lessons as you move onto your second act
If your legacy brand is struggling to adapt, it should consider hiring startup talent to revitalize its business model
Three strategies that nurture values, set success metrics and educate new employees
On the ice and in an office, Steve Yzerman has been a consummate leader and decision-maker. Here's what business leaders can learn from him.
Analytics open the door to predictive selling and ensure that your sales team is doing more than hoarding data that it doesn't know how to act on.
These seven questions will help you learn about the company's values and see where it's headed.
Identify your company's strengths, choose good partners and get to know your product before you raise capital, Frederic Kerrest, co-founder at Okta, says.
Thinking about bringing your company to the U.S.? Here are four lessons to learn from
Fasting-growing companies need these five strategies to hire and nurture talent.
Leaders need to mentor and empower employees to help them grow.
Prospective employees consider office culture when deciding between companies, so follow these four tips to help your company recruit the best.
Learning how to make and spend money wisely can hugely benefit startup leaders.


text:
The new Yardbarker app is here! Install on your iPhone, iPad or Android device. You can also find us in Google Newsstand.
Notes and quotes from BYU's 87-80 loss to No. 8 Gonzaga
A few hours ago, after No. 8 Gonzaga had jumped to a 31-15 lead over BYU on two Kyle Dranginis free throws with 9:06 remaining in the first half, there's no way I thought I'd be writing about a few plays, a few missed shots, that cost the Cougars a chance to upset the top-10 team. But that's what happened, as BYU staged a furious rally to tie the game at halftime, and led...
Via The Salt Lake Tribune - BYU
December 28, 2014
College Basketball News
Delivered to your inbox
You'll also receive Yardbarker's daily Top 10, featuring the best sports stories from around the web. Customize your newsletter to get articles on your favorite sports and teams. And the best part? It's free!
Follow us on Twitter


text:
West Indies captain Brian Lara won the toss and elected to field in the opening match of the Super Eight phase of the World Cup at the Sir Vivian Richards Stadium here Tuesday. Both hosts West Indies and reigning champions Australia won all three of their matches in the group stage. West Indies made one change from their eight-wicket win over Ireland at Sabina Park on Friday with Corey Collymore's extra pace seeing him come in for Ian Bradshaw. Australia were unchanged from the side that defeated South Africa by 83 runs at Warner Park on Saturday. This was the first match played at this ground, built specially for the World Cup. Conditions were overcast following early morning rain with the pitch an unknown quantity. But the cloudy skies may have prompted Lara to bowl first with temperatures still humid. Teams West Indies: Chris Gayle, Shivnarine Chanderpaul, Ramnaresh Sarwan, Marlon Samuels, Brian Lara (capt), Dwayne Bravo, Dwayne Smith, Dinesh Ramdin (wk), Daren Powell, Jerome Taylor, Corey Collymore Australia: Adam Gilchrist (wk), Matthew Hayden, Ricky Ponting (capt), Michael Clarke, Andrew Symonds, Michael Hussey, Shane Watson, Brad Hogg, Nathan Bracken, Shaun Tait, Glenn McGrath Umpires: Aleem Dar (PAK) and Asad Rauf (PAK); 3rd umpire Billy Bowden (NZL); reserve umpire: Rudi Koertzen (RSA) Match referee: Chris Broad (ENG) Weather: 27 degrees Celsius (81 Fahrenheit); chance of thundery showers.
West Indies win toss and field against Australia
St John's, Antigua, Last updated on Friday, 19 April, 2013, 06:46 PM


text:
Gideon, Hotchner and their team reopen the unsolved case of a serial killer who has attacked someone for the first time in 20 years.
Gideon becomes convinced of a woman's innocence when the team interviews husband-and-wife serial killers just days before their scheduled executions.
The BAU team investigates the mass murder of college students, similar to wartime methods used by an Indian tribe long ago.
Top TV Shows |
All TV Shows |
Your Favorite Movies |
Privacy Policy |
License Our Content | Media Kit | About Us | © 2015 TMS | Zap2it TV Listings


text:
Am I the only one not doing any screening?
Mrs. Franklin
Married to My Happily Ever After and Mom to Our Three Little Ladies Z-2011, N-2013, E-2014
Hoping to TTC #4 in 2017! Come on December BB!
I've been thinking that we are not going to do it, my DH doesn't want to. I really don't want to be scared or worried throughout my pregnancy and knowing myself, the testing might do that to me. It seems like you'd think it the other way around. However, I have been reading some great posts on what tests are available and what they are screening for since I'm a FTM. They say it will prepare them for anything that may come about. I guess lately I've been on the fence and would be ok with non invasive tests. My cousin just had a baby boy a week ago and she didn't do it with either of her two children. And of course my mother didn't with my sister and I because that was over 30 years ago and she wasn't offered any tests.
I doubt that you are the only one.
We will be doing the NT ultrasound and blood work and if that comes back high risk then we will be doing some more tests.
I think it is a very personal choice, if my baby has something like down syndrome then I want to be prepared and I also want Drs to be prepared just in case the baby has a heart defect or something else that is common with down syndrome children that can be fatal.
If the baby has a severe medical condition then we would terminate the pregnancy so that is also a reason why we want to find out for sure.
Lauren(23) and Nick(25) happily unmarried since Feb 2007.
Expecting our first baby in June 2013.
EJ born September 2010
AW born June 2013
follwer of Christ :: wife :: mommy
Solomon born@home 1/28/12
Elsa born@home 6/19/13
I had a bad experience with my last pregnancy at the 20 week u/s- baby was perfect but the u/s tech was terribly rude and took the fun out of it so I kind of want to make up for that disappointment this time around. Luckily my daughter was perfectly fine, most importantly of course.
We are not doing the screening. We did it last time when it wsa still a blood test (which I'm told by my doc was "the old days" just 5 years ago!). I am glad that I did it then, which was how I found out I was having twins, but to be honest, it caused a ton of stress. I decided then that if I were to have any more babies, no screening.
Momma to identical twin 5-year-old girls and Ryan William, born 5/28/13


text:
Picture: Action Images
/ Sport
The Watford Observer is hoping fans will enjoy interacting pre-match, during the game and after the final whistle has blown on our website.
Twitter users can contribute just by adding the #WatfordFC hashtag and for those of you not on the social networking site, you can still read the comments here and add your own views in the Observer's comment section below.
If you have any questions for our reporter about the match or other Watford- related matters then you can contact him via Twitter by tweeting @Observer_Owl.
Bristol City line-up:
Parish; Osborne, Flint, Fontaine, Wagstaff; Elliott, Reid, Pack, Bryan; Emmanuel-Thomas, Baldock.
Subs: Fielding, Cunningham, Carey, Moloney, Wynter, Burns, Taylor.
Watford line-up:
Almunia; Nosworthy, Angella, Ekstrand; Cassetti, Murray, Iriney, McGugan, Battocchio; Deeney, Fabbrini.
Subs: Bond, Kyprianou, Doyley, Smith, O'Nien, Ikpeazu, Acuna.
Promoted Stories
Discuss today's game between Watford and Bristol City before, during and after the match
ive gone for a replay...
ive gone for a replay...


text:
Sporkle Axe (or Sporkle Axapult)
by CodeCreations, published
Thing Info
Ladies and gentlemen, I proudly present to you the culmination of everything I know, and all I have ever learned, poured into this: the defining 3D model of my life.
Whether you're fending off orcs at Minas Tirith or you're just lazy and need to be able to shave while eating your Cheerios, this is the only eating utensil you will ever need -- half spoon, half fork, and half menacing battle axe.
Eat efficiently! Defend yourself barbarically! Shave while eating! Behead your fruit! Stop for lunch while chopping wood!
You can also get it at Shapeways in a variety of materials, including stainless steel. I recommend solid silver, of course, because it's expensive. I might actually try it in steel and see how it holds an edge. http://www.shapeways.com/model/664341/
UPDATE: Unlock a HIDDEN feature! Hold the axe head in your hand, place a chunk of food on the spork, pull back to flex the shaft, and then release. This works best if the food is set aflame just before launch.
Other Sporks of Fury:
Sporkchucks (Sporkchaku): http://www.thingiverse.com/thing:28485
Chinese Throwing Spork (hire-shuriken): http://www.thingiverse.com/thing:28638
1) Print.
2) Impale.
3) Devour.
(I printed at 0.2mm layer height with support material in slic3r.)
Thing Info
Liked ByView All
Give a Shout Out
File Name
Please Login to Comment
There is absolutely nothing about this that I don't like! :D I will be replacing all my cutlery with this :)


text:
"revolutionize how regulators do their jobs and could make it harder for unscrupulous brokers to bilk customers."
There are better ways to insure against fraud, such as INSURANCE!
This government is expanding into every personal nook and cranny imaginable. In the guise of "protecting you", this vile administration is creating a new Soviet-style state. I am an adult. I know how to look out for myself and do not want the government "protecting me".
America does not need more regulations. These regulations will benefit the regulator, giving job security to the petty bureaucrat at the expense of Americans' privacy, liberty and freedom.
They should only peer into the accounts of politicians
So what problem is the government really trying to solve here? Protect me from my broker? Prevent me from taking on too much risk? Isn't managing my money really my responsibility? This is just more government overrreach. They know better than I do how to manage my portfolio. And how does my broker's advice change now that he knows that he might be called on the carpet for recommending high-risk, high-return investments? Maybe that's what I asked him for. The same government that can't manage its own accounts will tell me how to manage mine. No thank you.
"If adopted, Cards would revolutionize how regulators do their jobs and could make it harder for unscrupulous brokers to bilk customers."
Remedial translation: 'We're from the government, and we're here to help'...
So where did the 6 Billion dollars the US State department "lost" go?
We need protection from Government theft and waste of Tax dollars more than this.
Sounds like snooping for more loot to me.
Obummer is already using the tools of the state to intimidate and coerce his perceived enemies. I can see why he is lusting after more.
So the insiders at FINRA will have the ultimate insider trading data. Nothing could go wrong?
How about something that destroys their computers as soon as they get into these accounts? Government Gone Wild? Destroy it and start over --- with strictly-limited constituional government --- and a well-armed citizenry to enforce that constitution.
"Social Security numbers and other personal details won't be included in Cards, so Finra won't be able to identify which investor an account belongs to or to match any investor's holdings across firms."
Really? Anyone believe this for more than a microsecond? It's a step toward partial confiscation and/or increased scrutiny and taxation by that paragon of impartiality, the IRS.
Yep, nothing can go wrong here! We just happen to have the most corrupt government in 200 years but I'm sure everything will be fine, RIGHT.
more government snooping
I don't believe this acronym is being honestly portrayed. The real meaning is:
No, no and NO! This is the beginning of diving into everyone's accounts - for your own good mind you. And then if they drum up any reason at all they can choose to seize your account. The owners is on you to prove you've done nothing wrong.
This cannot not be allowed. If it does, we need to move our money overseas. The pinheads who are pushing this should be punished.
Wow. The Feds don't have enough data on us? Now they want to look at our retirement and investment accounts? Isn't there already a huge watchdog agency called the SEC that regulates brokers? I think they have this backwards. The government is the thing we need protecting from. I am not worried about my broker or fund manager. If I don't like what they are doing, I can always take my business somewhere else. No thanks.
Time to stop allowing this to happen? Probably. The Federalist tax system prevents this kind of crap sense the state government have most of the power and they can elect to what pet regulations they will adhere to. Too much of this. American Séance on Amazon.
Corruption is going on Already.
Corruption is going on already.
Search this story
Taken: Federal Lawsuit in Michigan Challenges Forfeiture Abuse
This is an intermediate step in seizing all 401k assets. At the appropriate time, all investments weo treasuries will be declared "too risky", and frozen. If you like your 401k, you can keep your 401k. You will be allowed access to your money only if it is converted to a 'risk-free' government account. Advice? Hide enough cash to survive the lead storm which will follow such a seizure.
"Social Security numbers and other personal details won't be included in Cards, so Finra won't be able to identify which investor an account belongs to or to match any investor's holdings across firms. Nor will the data give anyone access to cash or securities."
No personal info on account holders????.......where have we heard this before??
"If we're not using the data [from Cards] properly, that's where we should be held accountable"....so says the government that records every email, every cell call, monitors social media, drone strikes citizens without charge, passed the NDAA, and uses asset forfeiture without trial. yes, their words are very reassuring. meanwhile no one dares investigate commodity LIBOR and FX fixing, the FED, or wall street money dumps. after all, the DOJ themselves declared some groups are just too important to jail.
With government being the biggest gang on the planet, exactly how does all this make your investment safe from confiscation (robbery)?
What is this 'Get ready for..." stuff. I'm not ready for it and I'm pretty sure I won't ever be ready for it.
"Social Security numbers and other personal details won't be included in Cards"....of course, that information will be held on a different office computer.....linked to the system.....but it is separate. LOL
Many people today use on-line brokerage firms and are self-directed- they make their own investment decisions without the use of a broker. Why would we need government protection from churning, etc. for those millions of investors? Those brokerage firms should be exempt, or all customers with self-directed accounts should be segregated and kept out of the long-arm of government snooping.
This is the same government that can't manage to clean up the corruption at the IRS and Departments of Commerce, Justice, and State. I'd say wait until it does its job there, and if it can manage that, maybe we'd consider letting it take on more work.
There was this one guy around 1776 who spurted out, why don't we start killing these guys lets see if that will work.An the rest is HISTORY.
Tha proverbial "camel's nose" goes into the tent...you know what happens next.
Gee, I feel a lot better. I doubt there will be any abuse here, like using financial data against political enemies. Of course all this data will never be hacked and no one's identity will ever be stolen. Besides, when did switching from one mutual fund to another become a crime? Anyone remember the Steadman Funds?
"If adopted, Cards would revolutionize how regulators do their jobs and could make it harder for unscrupulous brokers to bilk customers."
And who's going to protect us from an unscrupulous government? I'd rather take my chances with a broker.
Remember due process?
Ripe for abuse... again. Nope, no contract, no consent.
democrats must die.
How does this help me? I already know where every penny is stashed. I already know every trade and every price and would raise holy hell if something was done that I did not authorize. are we a people so stupid we need government to watch over us in this way?
And, to think, history records Adolf Hitler as having a desire for power (via military and information).
As a Chief Compliance Officer of a broker dealer I can assure you that FINRA, and by extension, the SEC wants to use this information not only to investigate fraudulent broker transaction, but they really want the information to conduct insider trading and anti-manipulation investigation into each individual's account. Basically all the data will run through a rules engine and that system will spit out exceptions reports. One to many exceptions and I'd expect to get a knock on the door from the SEC and DOJ. Some might say that sounds like a good idea, but the problem is that the rules engine setup to look for violations uses arbitrary numbers that FINRA staff deem to be violative conduct. If you try to find out what those exception thresholds are FINRA will not give you that information as it "could hurt an investigation". So the only way you find out that exceed some undisclosed regulatory threshold is when FINRA, the SECs quasi-governmental bitch, comes knocking on your door.
Keep in mind that the CFTC and the SEC have a bunch of new and rather ill defined anti-manipulation rules and it's only a matter of time if this happens before the individual investor begins to get inquiry letters in the mail. If you think an IRS audit is bad, FINRA, the SEC, and the DOJ will be a lot worse.
Stand up a fight against. We can't regulate our way to perfection. We have enough rules on the books now that these regulators have all the tools they need to go after the true criminals. The problem lately has been those true criminals usually came from the SEC or CFTC before they sat on the boards or act as executive officers in the big banks. Remember everyone 2008 was not about individual traders or HFT firms, it was about Big Banks taking advantage of the individuals that the SEC and FINRA are so keen to regulate.
To much centralization of data. What ever happened to audits of brokerage companies as used to be done in the days of NASD. Of course that didn't find Bernie Maddoff . We are getting to the point where the government knows way too much about our business. It wouldn't take much of a change to the system to connect the investment data with actual people. I foresee that being next. But of course the government would misuse the info. Certainlty the IRS would never misuse data for political purposes, right?
Peer? It's amazing how the change the words to disarm the public. SPY! When the smoke settles we'll be lucky if we are fundamentally transformed into Venezuela.
The government that taxes all our money away wonders if the brokerage companies are taking advantage of us."I am from the government and I am here to protect you"!
In the days of the NASD, they used to do audits on brokerage accounts. Now all they have to do is sweep the data into a system. It wouldn't take much of a change to connect personal info to the accounts. THis is way to intrusive. It gives an unscrupulous agency, know any of them, to get infor that is none of their business. We don't need more big government. This is one thing I disagree with Rick on.
FINRA's just asking for problems with this scheme. They are opening themselves to liability with this much information and yet are still interested in doing it. Something tells me there's more motivation here than regulatory activities. Could they by chance be planning to sell statistics on this data or other bits of this data? I'm guessing some companies would pay a pretty penny for their competitors clients investment activities, anonymous or not.
We own nothing, we have nothing that is private, we have nothing we can say we own or control. And yet we still call this a free country. Wake up America.
Suppose you have posted too many comments on stories like this that are critical of whoever is in power, Rep or Dem. Your name gets passed on to the NSA, IRS, FINRA, DEA, EPA etc and they say "I don't think this guy should be talking like that, find some dirt." In the current state of over regulation, every single American is guilty of some sort of offense even unknowingly. If you didn't violate a law, perhaps you had an affair that your spouse doesn't know about or you denigrate a person of a protected class in a private phone conversation. Next thing you know, you've lost your basketball franchise and your life has just been negatively altered to where it is better to just sit down and shut up. This should send shivers up the spine of Americans of any political persuasion,,, unless you're a totalitarian.
Oh, sure no personal data collected, yeah right. We all believe that. Let's look at the multiple prongs the gov't is trying to stick into the investment world....MyRA (yes help uncle sam find a home for all the Treasuries they need to sell soon), the Dept. of Labor is trying to make rules similar to ERISA apply to your IRA...this could seriously limit your investment freedom...no more IPO's in IRA's, perhaps they would look more like 401K limited investment menus...all out of concern that the little guy can't figure out investing and needs protecting, and now they want daily data of all transactions. And we're supposed to trust no SSN's, no names, no personal identifiers? Listen my friends, did you notice what happened in Cyprus? Bail-ins of depositors when the financial institutions went under. The Eurozone has said they think this is a workable model, that this is what should happen, they protected first 100K then took a percentage over that amount. Look at our debt. Where do you think it's going to come from? A eurozone finance minister discussing the Cyrpus situation was quoted as saying "The Americans could do that tomorrow...." that our gov't had the capacity already. Think it can't happen?
Agreed. Leave out self directed accounts.
FINRA should do its present job better, not stick its nose in our investment accounts. We investors use already available information to protect ourselves. Before buying look at fees, load/no-load, management fees, risk, P/E, etc. When our government says it wants to help me, I don't believe it. Plus, the data will be hacked or used against we investors. Fast trading already profits by frontrunning our buy/sells. Knowing what we have or buying and selling would give another edge to both the government or market raiders.
another example where everyone is a suspect, just like the NSA data collection - why cant we profile people and focus on those that are the problem? The past 6 years proves the government cant be trusted, yet its power over people is increasing constantly. The media are so in the tank for the democrats/liberals/progressives there is an unholy alliance and a complete lack of check and balance. The regulatory bodies have too much power and reform is seriously overdue.
Well... I wonder if they will go after the people like...........Dingy Harry?
Whatever happened to "Caveat Emptor" (let the buyer beware)? The only time I could envision such extreme measures being taken would be in the case of someone not legally deemed responsible for his or her own actions, such as in the case of a minor or person not able to look out for themselves due to dementia or other mental disability.
I want to know when the other 151 million Americans get their entitled 16 trillion dollar bail out that Wall Street got?
I want to know when the socialist monetary system starts working for everyone?
I want to know why nothing can be done unless it is only done to support the activities of wealth people?
Yeah, go fuck yourselves
This system should be tested for a couple of years before full implementation. I suggest we scare the accounts of members of Congress and look for insider trading. If the Congressmen like it then apply it to use. Bet it will get killed off ASAP.
I would feel good about this if only I trusted my Government! The fact that I think people should e questioned about their investment decisions is an indictment both of their judgement and my own paranoia.
If you think the investors accounts will not be scrutinized and reviewed by the IRS, you may want to think again.
This is just another ploy by big brother to take over people's rights, trust and money. Clients in the maqrket bear some responsiblity for their actions. This will constrain and regulate the individual investor out of the market. No brokerage wants to assume lthese usltr-restrictive rules. Individual brokers are reduced to pre-approved mutual fund blends.
Clearly you can see the people are demanding the Fed step in and save us from our own stupidity… which of course means are politicians will act quickly and boldly because we the people have demanded it! Yes! Love the USA! It is getting more free by the day.
Our freedoms are being stolen day by day by politicians, most of them Democrats. They use any excuse to set new rules that restrict freedom and choice. Saving us from ourselves is their mantra. Just as Dodd-Frank imposed new very rules in the baking business, FINRA is choking the investment business. Both businesses were over reulated before this latest incursion.
I have often found that with government agency regulations, to every silver lining there is a large storm a coming...
This is scary. I would like to ask why no one remembers that there would have been hundreds of thousands of bank employees who would have been thrown out of work without the dreaded Wall Street " bailout. Not any different then bailing out auto workers or government employees which was also done.
i can imagine that only conservative accounts will be scrutinized.
"If they get all this information and fail to find a problem or to do enough about it, they could be open to serious criticism,"
The concept that this is a sure fire way of detecting fraud is laughable. The SEC had a complaint that Bernie Madoff's fund was suspicious. The SEC assigned an investigator who couldn't find anything fraudulent. Passing stronger and more burdensome regulations aren't the answer. There were enough laws and regulations to shut down Madoff, and enough now to shut down future fraudsters. But unless the regulatory agencies do a better job of investigation, all the laws in the world won't help.
What is the probable cause that would justify these weekly searches?
The next, large pool of money that the federal government is eying to steal from us is our retirement accounts. It begins here...
'not a smidgen of corruption ....' B. Obama
Why? So they can figure how much to steal from our accounts?
Retirement accounts are probably the last type of accounts that have any money in them. I believe the figure is around three trillion. Since the government is broke it doesn't take a genius to figure out what the government has in mind for these accounts. Can anyone say Bail In?
The only reason you still have investment accounts is due to the Tea Party. If they had not taken over the House in 2010 Pelosi already had a bill ready to turn your 401k into Social Security part 2
As a process, investing is at best speculation and at worst gambling; so this reform would serve no useful purpose and risk exposing investors to wrong doing.
There is no place the government will not go to seize control over you.
This is the government telling us that they intend to case our personal property and you know what happens after that.
Also realize that the big brokerage firms are for this as the cost to comply will knock small broker dealers out of business (or at least reduce profits to the point where selling out to a bigger competitor is the only logical option).
Get ready for brokers to offer a package where they will establish your trading account offshore along with a trade server where your mouse clicks will go to.
What a genius way to drive business away from the US.
Thank you sir, may I have another?
Why not just take all the money I've worked my whole life to save and just write a check to the govt? That way I eliminate all the suspense of how they'll get from here to there.
Read about "Guaranteed Retirement Accounts" by Thresa Ghilarducci. and wonder why government would want to know what is in your IRAs and 401ks. Hint " what is yours is ours in the name of fairness." Government does not need to know everything.
Fvk it! From now on it's physical gold and silver for me... these money grabbing one world money tyrants can go straight to hell
no, no, no, no, no, no, no, no
Not for nothing, I do not trust 'regulators' to have easy/normal acces to this data. Period.
The IRS actions and scandal seems like a prelude , played by unscrupulous Democrat Administrations.
Slippery slope.
Time to liquidate to cash.
Stay out of my account.
They don't know what conversations have taken place!! Clients of investment firms are not 3rd graders!! Maybe a client wants to have a concentrated position in a company. That is none of the governments D business!! So all advisors are crooks? Give me a break--this is communism pure and simple.
This is Communism in its purest form.
Well the Obama administration better start tracking all car sales, real estate transactions, etc somebody might get a bad car too!! There are no guarantees in life. If you don't like risk then stay in a money market and watch inflation eat you alive. These gov't hacks like Barney Frank know nothing.
Time to exit the system.
What next facial recognition toilets that automatically test for illegal substances?
How about tracking all members of Congress and their staff's communicatios so we can determine who they are selling out our country to for campaign contributions.
Just wait, our government will be confiscating our privately held 401k's. Several countries in Europe has already done it. The US government has already speculated that there is approximately $38 trillion in these 401k's. With Teresa Ghildarducci and soon defunct Tom Harkin (D) IA leading the way to the presidets brain wasting that "its not fair to people who have worked all their lives and not saved for retirement". Check Ghildarducci and Harkin out. Its coming folks. Don't think the threat of "I've got a pen and phone" won't be used to write an Executive Order. Roosevelt did it with gold that was held in people's bank account. Another thought: why do you think the government has acquired and is continuing to acquire the ammunition?
One more step toward big brother being everyone's financial "advisor", all but eliminating us independent financial advisors. Centralized control...privacy be damned!!!
"Social Security numbers and other personal details won't be included in Cards, so Finra won't be able to identify which investor an account belongs to or to match any investor's holdings across firms. Nor will the data give anyone access to cash or securities." Who believes that?
The Commission wants to pry into private accounts to "make sure financial companies are treating their customers fairly." BS. Government just wants to make sure they can get their hands on your savings accounts. Wonder what happened to "secure in your person and papers" in the Constitution?
Protecting our private investments, yeah right, that's what we pay our advisers to do. Another data bank to be breached this time by who knows who and where. We worked hard for our investments to live well and not become dependent on government assistance. I smell a rat in this deck of "CARDS." Folks it's time to rid our government of these progressive liberals that are destroying the American Way, chipping away at all our independence, our liberties and creating a social state out of our USofA. Vote them all out.
This is par for the course for an administration that has taken domestic spying to new levels and intensity. It is all about control.
Always looking out for the consumer.... benevolent government.
It's never about protecting the customer. It's about FEDGOV prying even deeper into our lives or even using this as a revenue hunting tool.
"A new form of systematic risk". Yes, the centralization of intelligence always is. As we put risk in the hands of the "risk analyzers" from government, we also risk their analysis. The real problem is the world can fall under the hands of a few dishonest people when you centralize even financial "government". A single risk manager for the government could eliminate privacy, and hence investment.. Why would I tell my neighbor what I privately do with my investments..or anything for that matter, if the "neighbor" wants what I have? "privacy be damned"..is right.
Cypress, Greece, Italy,......
Isn't life amazing? Many of the jackals who put this socialist in office do not have a portfolio, bonds or basically a pot to we wee wee in! Now, big-stinking brother is taking another shot at peoples liberty... And, believe me, the jackals still love the socialist he is their god!
Next they'll be helping themselves to your money...!
Sure they will follow the data. Like the AG followed data on fast & Furious, & IRS.
Ah yes, for the public benefit. Also, for knowing exactly who has what when it's time to pull a "Cyprus haircut" on IRAs and 401Ks. Do you really think this government is out to protect you whilst Jon Corzine walks a free man? Muppets.
Folks, wake up! FINRA is NOT part of the Government. It is a self-regulatory organization owned by the broker-dealers themselves. Yes, it is subject to SEC scrutiny under the Exchange Act of 1934, but it is the broker firms doing self-policing. Cards is long, long overdue. The system does not track investors, it tracks brokers, and yes, it will tell FINRA how much revenue is being generated by a given broker, at least in exchange-traded securities. That is knowledge that broker-dealers already have. It is looking for brokers and firms that are extracting excessive fees and commissions from their customers. Like I said, long overdue.
If it ain't broke, don't fix it.
What's the point of having compliance officers, margin clerks and registered trading principals, registered option principals?
Look. This is all about the govt. trying to make up for their failure to catch Madoff before he fleeced people out of 40 billion. So now they intend to turn hard working honest advisors and clients into criminals and victims by monitoring all of your investments. They will now watch how you trade everyday. In the meantime another Madfoff is taking shape right now. Gov't is real good at catching the little guys not so good at the 40 billion dollar guys.
I'm so glad that the government is going to make us all safer by knowing everything about us. It's time we just got rid of that whole Fourth Amendment thing.
We're gonna do this when we really are doing that. Sure, we trust you.
The federal government will use this data after the Socialist party (d.b.a Democrat) passes a wealth tax. The CARDS system is how the government will know the value of your aggregate wealth, and the IRS will then remove 2% (or whatever the rate) annually from your accounts, electronically, if you refuse to comply. The threshold for wealth taxation will likely start at $100,000 aggregate wealth, which is the point where Socialists (d.b.a. Democrat) consider one to be a "millionaire" or "billionaire".
They will peer into everybody's accounts EXCEPT the Politicians. Could you imagine Harry Reid, or the Bush Family having to explain where they got all that MONEY?!
If I want to manage my money following what the Government deems to be a risky trading strategy, it is my damned business, not Big Brother's and not the broker's. Just like the NSA has caught no terrorists, this colossal data base will catch no rogue brokers. It is another Government boondoggle that wastes our tax dollars. This is assuming that they can develop the software with more competence than HHS.
Jason: excellent article on FINRA; did you ever read my book "Brokerage Fraud - What Wall Street Doesn't Want You to Know" if not I will send you a copy. Our next book is on the regulators, including FINRA. http://www.securitiesexpert.com
I am using the cheapest discount broker and doing it all by my self. NO BROKERS INVOLVED.
Does the Government REALLY want to protect me from myself?
A Government high school graduate, will be watching over my portfolio and warn me. After all they are the one with the most experience ( cough cough ... Madoff)
I guess we are now under the KGB Rulebook.
Good Old Obama.
Hopey - Changey!
We are now living under the KGB Rulebook.
With the NSA scandal still in our midst, why does THIS proposal even exist?! If this CAN be abused, it WILL be abused. And the likely abuser? Our old friend the IRS.
Just say NO to this one. This idiocy can NOT be permitted. It is a nefarious intrusion into private financial information and it will be a target for criminals and Federal regulators.
Before any such government "we are doing this for your benefit" program is considered, we must demand transparency into such programs. I, as the consumer, should be able to monitor and track when, why, and where my accounts were scanned by Big Brother. I should then be able to remove, permanently, the scanned records at my discretion. If the government cannot agree to our demands for transparency and control, we say no to the program. My proposal should be applied retroactively to existing government programs as well. NSA gathering of phone records, local law enforcement license plate scanner records, etc. With all government programs, the power must be given back to the people!
Is there no end to intrusiveness of the federal government? No party has monopoly on this intrusiveness, some are more and some are less. However, the lust for power is the lust to intrude and control.
With the NSA scandal still in our midst, why does THIS proposal even exist?! If this CAN be abused, it WILL be abused. And the likely abuser? Our old friend the IRS.
Just say NO to this one. This idiocy can NOT be permitted. It is a nefarious intrusion into private financial information and it will be a target for criminals and Federal regulators. Interchangeble.
Thisis just an excuse. The real purpose and what it will be used for is to let them know how much everyone has everywhere. Thats a load of crap that they will not be able to identify whose account it is.
They want to know where all the money is and have access to everyones.
Sooner or later they will be taking it.
this should really help out all the government thieves with profitable information on key traders.
great insider trader knowledge for the congress and their cronies.
The next step will be to impose politically correct requirements on everybody's investment portfolio. All accounts will have to be invested in a certain percentage of minority-owned enterprises, a certain percentage of "green" industries, and so on. Remember how investors were soundly brow-beaten into ridding themselves of any investments in South Africa?
The nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.'
Once universal access is given to ANY government agency it is one step closer to a Cypress situation. They then can, with the stroke of a pen, reach into every account and just "TAKE" of steal your money for the greater good. A financial crises, run on banks or almost anything the government decides would come to pass so fast you would have NO chance of protecting your assets.
All this under the rubric of "PROTECTION." Nice Orwelian speak. Remember it is ALWAYS for your own good. Tell that to the citizens of Cypress.
More surveillance. Just what we need. This should help make It easier when they are ready to take your money/
This much unfettered access to information would make the Gestapo blush. Anything that FINRA now knows will also be information that the DNC also knows.
It's simple; get a warrant from a recognized court, otherwise don't do it.
If you have probable cause, you can get it done.
Can we make it any simpler than that?
But to have some regulatory clown posse being able to do it any time they want?
Are you kidding?
It's simple; get a warrant from a recognized court, otherwise don't do it.
If you have probable cause, you can get it done.
Can we make it any simpler than that?
But to have some regulatory clown posse being able to do it any time they want?
Are you kidding?
Its part of the central planning process.
Sure will make government confiscation of retirement accounts easier
Here's an idea: how about we spend that money and effort on auditing the Fed, or monitoring Medicare transactions to find fraud, or monitoring social security payments to find fraud, or monitoring government employee transactions for fraud or insider trading, or, or...
How disingenuous to say they would be doing this to protect us.
Does this mean they will look at Politicians, and Corporations offshore bank accounts??
:How exactly does this action promote American freedom?
What an enormous and troubling waste of time. Private citizens are responsible for their own investment de cisions. Further, they are quite capable of managing risk and evaluating investment alternatives. Government has no role here.
Lies,this wouldn't have helped the Sandford, or Madoff or Fañie Mae frauds.
This is a load of crap.
This will be of little help to protect people from unsavory banking practices. It will be of great value to track everyone's money to take it away from them.
How about we teach basic investing in high school?
This from an administration that lies daily to the people of this country! I'll take the supposed unscrupulous broker all day long.
Next! Governmental control of all 401K's, and laws taking away the right to borrow against your own account! Or how about confiscation of some percentage of every 401K & IRA, with the percentage to be decided by the Obama Administration for distribution to NON WORKING people (like welfare recipients)! Since Obama DECREES rather than governs, he is capable of doing or taking anything he wants from you!
This is another reason to abandon the current "investment" "scheme's". Buy physical gold and silver and DUMP stocks, mutual funds etc... kind of hard to snoop on your gold and silver....
"Social Security numbers and other personal details won't be included in Cards, so Finra won't be able to identify which investor an account belongs to or to match any investor's holdings across firms. Nor will the data give anyone access to cash or securities."
Yea, right. The same federal snoops that brought us NSA spying on innocent citizens, targeting by the IRS, etc. At minimum, it would give the income redistribution gang one more tool to argue for confiscating honestly earned assets from "those who have more than their fair share".
This looks like more encroachment by government which will eventually lead to the possibility of more abuse.
If it has made the news then the practice is already old.
I'm pretty sure the real reason for this is to figure out how much $$$$$ they can make if they tax these NOW.
They are setting themselves up for the hindsight problem, you had the data,why didn't you detect the fraud. In each and every case...
So, the main concern expressed by most of you ultra Laissez-faire types is that this is bad because it is a 'big government' program.
Perhaps you should understand that FINRA is a *private* (ie. non-governmental) association.
But, since you are opposed to this program so strongly, I suggest that you apply your free market principles and stop doing business with any company that implements this program... That's the way the free market works right...?
If they don't capture or know anything about they client, how is it they know the activity or suitability is inappropriate, or that the individual is not sitting at his own computer trading for himself?
Although fineart is not a govt agency, it reports data to the sec. How long will it take for Elizabeth's warrens consumer agency to expand their powers by exec orders to get all the information on accounts. Then the govt as they'd already have been looking at can force people to invest IRAs and 401Ks in treasurys on the pretext of having a a predictable return, of course a minimal one. The democrats and Obama have made us fear govt and I don't trust them
Some adult in charge needs to tell the parasites to give it a rest.
Regulatory over reach is what put us in this mess in the first place and has made what would have been a good recovery into an anemic one, perhaps the worst ever.
The talking pie holes explaining the cause of the melt downs as a result of greed and deregulation are CLUELESS.
Yeah, yeah, sure. I believe you, this is to look at investment firms, sure OK, SURE.
Anyone who believes this is brain dead. Period.
A fool and his money are soon parted - nothing the big brother government can do is going to change that.
They will however, add a huge tax to pay for themselves and you can bet if you ever come in contact with any government agent they will know every trade you have made for the last 10 years, and how much they can steal out of your investment account without raising too much grief.
Yep, Atlas Shrugged is now in the non-fiction section of your local bookstore.
Mr. Hu says "The probability of the data being breached by a disgruntled employee, a terrorist or an unfriendly government is probably very low, Mr. Hu concedes"
He is wrong. Recent experience suggests the probability is indistinguishable from 100%. Not only from governments, but also from criminals. How many big chain stores and online vendors had a security breach THIS YEAR? Maybe half of them? How often do you get a credit card with a new number in the mail due to some 'security breach' the card company won't explain?
A public sector database like this is going to be run by the same kinds of people running the Obamacare exchange - government bureaucrats. It is not going to be well done and is going to have frequent and often undetected security breaches.
Not to mention the bureaucrats will very quickly decide they DO need everyone's social security number and account information.
FINRA is NOT a government agency. It is a SRO organized and managed by the brokerage industry. Those of you who blame this on the government, or the O administration, simply have no clue.
As a Financial Adviser/Broker/Money Manager, this doesn't surprise me in the least. Since the Anointed One has taken office, some really bizarre things have taken place in the financial and brokerage arena; (1) Investment Policy Statements that take several weeks to write and discuss with the client have now been replaced by multiple choice forms at the direction of clueless (read lawyer) bureaucrats. Client risk tolerance was something that was discussed between the client and the financial manager. Extensive notes were taken in order to quantify and to clarify any deviations from that risk. Now, we just fill out forms to satisfy again, some bureaucrat. Finally, and this has been taking place for several decades: the SEC used to be comprised of really savvy financial brokers or institutional money managers who knew the ins and outs of the financial business (remember Joe Kennedy in 1933 ?) and who knew fraud, malfeasance etc. before it even happened. Now we have self-serving lawyers who do their best just to keep up. And lastly to Jeff, FINRA IS a government-directed SRO; FINRA does what the SEC wants and does it immediately so please stop spouting nonsense.
And the next proposed legislation will allow them to start borrowing against it.
For the children.
Are the people holding the CARDS willing to take full and criminal responsibility for any leaked information? If they are not then they should be dealt out.
What?!? Tracking activity in all financial accounts, but with no matching of SS#s and other personal information? Why not? I for one have yearned for 24/7 monitoring by the federal government of everything I do, lest someone take advantage of me when the feds aren't watching. Please, why haven't you been protecting us already?
The government looking at individual investment accounts. These are the same folks that bring you Obamacare and multi-trillion dollar debts. What could possibly go wrong?
Why are the communist suggesting more violations of our rights?
Get the "F" out of my life, government!!! It is NOT YOUR BUSINESS!!! I absolutely loathe these Social Democrats that think that they are entitled to know EVERYTHING! MY LIFE IS MY LIFE...NOOOO!!! NOT YOUR LIFE!!! I pay my taxes...and that is ALL THE INFORMATION you're entitled to!!! Ya do know you're gonna run out of other people's money, don;t ya??? OOPS!!! I forgot for an instant..you're Social Democrats..DEVOID of LOGIC and have ZERO idea about the impact of your actions!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I'm tired...of these idiots !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Get the "F" out of my life, government!!! It is NOT YOUR BUSINESS!!! I absolutely loathe these Social Democrats that think that they are entitled to know EVERYTHING! MY LIFE IS MY LIFE…NOOOO!!! NOT YOUR LIFE!!! I pay my taxes…and that is ALL THE INFORMATION you're entitled to!!! Ya do know you're gonna run out of other people's money, don;t ya??? OOPS!!! I forgot for an instant..you're Social Democrats..DEVOID of LOGIC and have ZERO idea about the impact of your actions!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I'm tired…of these idiots !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Sorry...posted twice due to the unclear direction of this site!
here! here! There is NO reason for this extensive oversight -- not even under the Patriot law, which many of these liberties have already been breached. Sad how quickly its all slipping away.
First step: monitor
Second step: confiscation
You people vote for the democrats than start to rant when they want to control your life. You know what they stand for, start getting read off them if you do not want to become irrelevant human being and subservient to them and without any human rights.
The Obama administration has a huge appetite for "freedom". BaarrRRRACK will take a nibble here and a nibble there and before you know it, he'll be knocking on your door wanting your rifle. Why? Because he says so. That's apparently the new American way. Just let the government do whatever the heII they want to do, with impunity.
Now Obama will know who has a lot of money and can be hit for campaign donations.
Big Brother loves us and wants to keep us safe.
I do not need the terrorist government's protection.
FINRA is not part of the government, it is a self regulatory org
They want to register your guns, which leads to confiscation and much worse as history shows.
Now they want to register your money.
Get stock certificates instead of online holdings.
You cannot confiscate what you don't know about. This should be more correctly termed as reconnaissance.
Finra, FACTA, we're F'd!
You know all the left wingers (democrats) and RINOs will be 100% behind this latest absurdity. The leftists will want it for the same reason they want the IRS in charge of healthcare and the RINOs will want it because their fifth column advisors are telling them that it will poll well and will look bad if they come out against it.
Vote all of these statist out in November. They are not Americans.
Regardless of what they are saying, this is NOT about "protecting" investors from unscrupulous brokers, it is about it is about invading your privacy and finding out what you have so when , not if, they decide to confiscate it, ythey'll know precisely how much they are going to get.
too bad this wasn't around spring/summer of 2008
Yet another means of this communist govt to spy on your private life.
Make it simple. If the data are breached, Ketchum agrees to be hung, draw, and quarted, and the system comes down after 5 years or the first breach. We will see if Ketchum really believes there is no risk.
""If they get all this information and fail to find a problem or to do enough about it, they could be open to serious criticism," says Mike Stone, formerly a senior regulator at the SEC ."
There will be no serious criticism on that account. If they fail to actually find a problem, they'll just create one (new rules, misrepresenting the info, etc.).
@ Charles Martel:
I don't believe it's about solving a problem so much as it is about APPEARING to be solving a problem. They have to justify their jobs (yes even in the government) at least minimally. If that means passing a new law (making more citizens into criminals), and/or creating a huge info collecting system (which, will, of course be outsourced to somebody's brother or college buddy) that intrudes on everyone's privacy (I don't think that word has any meaning anymore) then they'll do it. There are legal doctrines that are supposed to prevent this kind of overreach, but they've been left mostly dormant since the 1930s (an example is the Nondelegation Doctrine, which, if ever applied to the full extent possible and for the purpose it was intended, that is, to prevent executive agencies from wielding legislative powers, we would probably see about 90% or more of current gov't agency regulations eliminated).
To some people who read this article, they say " Ya! protect my money Government!"
They are the believers.
To the rest of us, we see it for what it is.
INVASION of PRIVACY!
The government has NO BUSINESS in here. None!
If you have an investment. TRACK IT! What is your yearly ROI? Do your homework once a month people.
Oh how surprising (sarcasm). Another effort by this administration to get personal info about you. It seems the SEC and other financial agencies are getting into the same act as every agency in the DOJ and HHS. Getting info the legit way is just too hard. Just like the DEA needs to have the authority to walk into a pharmacy and compromise the medical info of thousands just to find a few.
And where to they get this authority? They just make it up as they go along. SCOTUS and every other appellate court really need to break out the Non-Delegation Doctrine. It was designed to keep executive agencies from exercising legislative powers (i.e. from making up their own laws - which gov't agencies are doing shamelessly and with no care as to who may be harmed and no accountability for anything they mess up). Congress has now gone beyond just being lazy in how they authorize bills to be enforced. They're absolutely reckless. And the President has shown no indication he'll stand up for anybody (unless there is already a mob of supporters, in which case his token support isn't even needed).
Financial reform has been a major factor in our nearly nonexistent financial recovery!! When you consider the fact that employees of the federal government never take responsibility for their incompetence, no matter how much damage they cause or how many lives they ruin, consider that none of our federal agencies are trustworthy, and none of our federal software is secure, and that the next step of looking directly at any of our accounts will be known by the general public until a scandal happens or a whistle blower appears( unlikely ). Add to this, the fact that members can do insider trading, legally, and the rest of us will go to prison for the same thing!!
I don't think this is a good idea!!
This may be something that mainland is pushing the White House to do to make it easier to crash America!!
This is not just conspiracy theory stuff, do some research, that asian govt. has been manipulating our White House since Obama first got into office and criticized them for manipulating their currency for trade advantage,and they sent an underling over to tell him to shut up or they would dump enough currency on the world markets to destroy our $$$$$!!
I meant to say mainland China!!
Anytime owebama or any one connected to his power base suggests anything "for the good" of anyone it's another intrusive effort to destroy evrything American! DON'T ALLOW THIS TO HAPPEN!
This administration believes the Constitution and rule of law are for everyone else, and don't apply to them!! they are the worst in history!!
One morning, how many of us will wake up to find our 401 and or other savings looted by this administration or possibly the next?
""Cards would revolutionize how regulators do their jobs and could make it harder for unscrupulous brokers to bilk customers."
What is the actual scope of the problem with "unscrupulous brokers"? Is there an epidemic of said unscrupulous brokers bilking Americans for billions weekly? ... Where's the journalism on this crime wave?
This just more government electronic intrusion. They are doing it to exert their power and control.
Given the government we have today, I trust brokers far more than the increasingly oppressive regulatory bureaucracy.
Why would anybody trust this government to act in our interests. This government has devolved into an oligarchy. They only do things for the oligarchy. If the government tells you they are here to help, hang onto your wallet.
You fascist government pigs keep this up, and I will move EVERY RED CENT of MY MONEY to a offshore accounts. It's NONE OF YOUR D@MNED BUSINESS!!!!!!!
The chance that anyone could penetrate the system and exploit the anonymous data for nefarious purposes is "infinitesimally small, out on the fringe of all possibilities," says Steven Joachim, an executive vice president at Finra.
Wow. Really? Does this guy work for the Obamacare website people? ANY website can be penetrated, and it is only going to get worse.
The right of the people to be secure in their persons, houses, papers and effects, against unreasonable
searches and seizures shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation. And particularly describing the place to be searched, and the persons or things to be seized
The 4th Amendment of the Constitution.
Seriously, is anyone capable of opening a brokerage account possibly this stupid?
Let me boil it down for anyone who doesn't see this proposal clearly. "We the government who has a horrid track record of preventing any kind of financial disaster nor able to manage our own finances would like to ask your permission to manage and protect your finances........if you agree please sign here to turn over complete control to us".
There is an element of risk to everything in life and you might be exposed to a very small probability of "unscrupulous" broker activity let's define it as say a 10% chance you might over pay on fees and maybe less than 5% chance you are unlucky and get fleeced by a broker. On the other hand granting this kind of privelage to a body you have absolutely no recourse over (your government) I would estimate you have a 100% of over paying (fee will come next) and better than 50% chance you money gets stolen completely.
Why aren't they planning on looking at savings that are not "risky enough"? For many younger investors the big rewards come with some "risk". Taking the risk out of investing is treating us all as children. I'm sure at one point Apple Computers was a risky buy.
wake up people this is so democrats can look at how republicans are investing their money so they can be called out on it and run out of office just like they did brendan eich
who will police the police that police the police?
Its already to the point my Chase personal banker is stalking me (you can tell them not to call all you want, they still call back, breaking, as far as I can tell, a variety of laws). Its like having over a hundred thousand dollars in the bank means Chase assigns you a parole officer you have to check in with.
Who ever thinks this clearing house of data is not tempting is not familiar with computing.
A common clearing house has all the networking a hacker or foreign govt would want in an attack target.
Hate to say it some ideas should be just ideas.
First step in a plan to confiscate retirement accounts.
Start with Congress.
I don't trust or expect people who could only get government jobs to improve my life.
These are the same financial geniuses who didn't sniff out Bernie Madoff even after they were tipped off about his scam, right?
Regulators in this regime are central government thugs. Perhaps that too harsh. Regulators are not neutral cops on the beat? "Regulators" have mothers who love them? Regulators don't give each other bonuses?
The assumption here is you have ethical government that would be just and obey the rule of law. This regulation would only be used to further the crony capitalism and police state that is the US.
Given their track record, how could anyone disagree with more oversight?
Nothing the Government can or will do in the future will protect you or your property in the present. The police show up AFTER the bank robber has left the scene. Then, it becomes an investigation. There are lots of crimes and a small number of investigators. Lots of bad guys get away with murder because there are never sufficient resources to go after all the criminals. So, small investors are still on their own.
Dear Feds:
Enough. Please stop "helping". We don't want your "help". We don't trust you and we would like you to abide by the 4th Amendment to the Constitution and not search our "papers", unless there is a specific, warrantable crime you are pursuing. Even then, I suspect your policies cause more harm and corruption than you could ever prevent. What might restore some faith in the system is if congress would make insider trading, of investments as well as of real estate, illegal for themselves. They should be forced into a blind pool 401K plan.
I believe there's a Bill of Rights issue here. Something about being secure in one's papers.
Oh, please the Card is nothing more than a Trojan Horse that will be used to sniff around brokerage accounts in an attempt to raise taxes on assets. Since when is the government ever been interested in retail brokerage accounts.
If they need your name and account SS#, they will have to call NSA.
Stay the hell out of my life and my account!
The chances the system could be penetrated are " infinitesimally small, out on the fringe of all possibilities". WOW! The very first of its kind if you believe ANYTHING a gov't agency says anymore.
Um, I don't recall moving to Russia...Proof the Commies are running the Country. Bye bye USA, HELL-O USSA.
start with JPM,HSBC,wells fargo, citi and the FED,....criminal activity should be easy to find and then put all the criminals in JAIL...no finds..JAIL TIME....then Congress can look at a bill to do the oversight from a leagal ,representative way...if we the people agree....imho
For God's sake,government,stop trying to getinto everything private in the guise of ."regulating".Total bogus.
Why don't they make it voluntary - if someone is too much of a child, they can ask nanny-government to hold their hands. The rest of the adults can still retain some semblance of privacy.
A full blown police state ! Why would a govt need to see this. America you better get ready for a govt full assault on the citizens. They are going to take your money !
I own a Finra Broker Dealer Firm. One of the most interesting stat's in this article is the number 4100. That's how many Finra Firms are "remaining". When I started my firm from scratch ten years go there were about 7,000. I suspect that there will be about 10, 10 years from now. So much for freedom of choice. What about capital formation and finding funding to grow jobs and the economy ? What am I missing here ???
If regulators had a clue they would not be regulators, they would have a real job.
The financial industry does nothing but take people's money. Is there on Broker Dealer out there that helps people plan for their one mandatory cost in retirement....NO
Another way for the government to identify who has the money.
this is more about profiling and less about protection.
I think we can see the reality of this new law. Take for instance, the new form for Report of Foreign Bank and Financial Accounts held by US citizens; formerly, Form TD F 90-22.1. The form has the same title, but with the designation: FinCEN Form 114. FinCEN stands for "Financial Crimes Enforcement Network." Any questions?
What effect on the market would it have to simply require that all stocks purchased must be held for at least 24 hours? It would seem to remove the "casino" aspect to the market.
Obama = Anti-Christ = Un-American = Lifelong Bum = LIAR = Born in Kenya = Muslim = Terrorist = Master of Corruption = Coward = Hates Whites = RACIST!!!!!!!!!!!!!!!!!!!
Note: Federal law 18 U.S.C. 1918 provides penalties for violation of oath of office to uphold the Constitution described in 5 U.S.C. 7311 which include: (1) removal from office and; (2) imprisonment and/or a fine.
Yup, as long as they still let congress insider trade and openly declare the fraudulent Wall Street mega banks "to big to jail" everything is fine and dandy,,, isn't it?
FTA - ""If they get all this information and fail to find a problem or to do enough about it, they could be open to serious criticism," says Mike Stone, formerly a senior regulator at the SEC and a top legal officer at Morgan Stanley, now an adjunct professor at the Benjamin N. Cardozo School of Law at Yeshiva University in New York."
As always, save the most important sentence for last. 'If they fail to find a problem' means if they can't justify their existence any other way (for instance, by doing their job with the tools they already have) then they can't justify having the new power to look into everyone else's business. Keep your eyes to yourselves! This is basically requiring proof of innocence, the reverse of both logic and law.
Small bites! Take away privacy, freedom and our rights at small increments and whose to notice?!?!?!
Just like guns. You have to know who has the money before you can confiscate it.
I am not willing to give up any more of my freedom. Better to fight and create a constitutional government.
There's an old joke that goes 'How do you eat an elephant?' 'One bite at a time'. This latest 'idea' to monitor our investment activity to 'discover fraud' is yet another phase of the continued erosion of our freedoms. We're being monitored, spied on, threatened with personal disarmament, having our land and property confiscated, taxed to support the indolent, poked and probed at airports, the list goes on and on. Our freedoms are being whittled away while the average American is either clueless, brainwashed or indifferent. Our politicians are in thrall to the Washington D.C. power structure and no longer represent the people who elected them. America clearly needs to be saved from itself.
As much as I don't trust bankers, I trust Obama's minions far less. First they create quantitative irrationality (which is the biggest fraud in American history) and now they want to peer inside accounts that are private. I would have less problem with them monitoring PROCEDURES. But they have no business looking into my account without probable cause that I've committed a crime. End of story.
This will give Obama and his cohorts the ability to take over your accounts. I believe it was Pelosi at one point during the election cycle in 2008 when we were voting for president she said she wanted an Argentina style retirement/social security system where they can roll everyone's 401K etc. into their system and give you a trickle amount for you and the rest is used as they see fit. when you die it goes to gov't. The system in Argentine went broke. Get ready folks to bid your retirement farewell.
Where in the Constitution is the Federal Government granted the power or authority to invade our privacy with systems like CARDS?
With this present administration, once they have access to the data of the account, they will soon have access to the account itself. Then watch the funds fly!
It would make more sense to look at the personal finances of the individual financial advisors, not the investors.
Yet another shill for the state. Can't you tell we are sick of it?
Legalized theft? Wow.
If their stated purpose is genuine, then shouldn't "self-service" brokers like e*trade, schwa, ameritrade, etc. be exempt, as there are no "brokers" to churn the accounts?
If self service accounts are included, then we know the real intent is not "investor safety".
Big Gov't has a voracious appetite for your money already/
Here is what happened on January 1st, 2014:
Top Income tax bracket went from 35% to 39.6%
Top Income payroll tax went from 37.4% to 52.2%
Capital Gains tax went from 15% to 28%
Dividends tax went from 15% to 39.6%
Estate tax went from 0% to 55%.
Some people still remember Jesse Jackson's proposal for a "one-time tax" on everyone's pension investment accounts to pay for whatever liberal scheme he had in mind at the time. It was to be a big double-digit percentage of everyone's money just going up in smoke. Fortunately that proposal went nowhere, but as the government digs deeper and deeper into everyone's private business, at what point would that sort of thing be possible- just a bureaucrat pushing a button?
Will this also include members of congress who get insider info on upcoming bills and then use it to do INSIDER TRADES.. probably not. We do not need another government moron peering into your private financial data..
Say hello to ObamaRetirementCare. It will do for 401k account holders what ObamaCare fid to to health insurance holders.
Romney was right. The 47% won.
Guess we won't be the ONLY ones checking our portfolio statuses.
People are only vulnerable to being bilked when their greed out strips their knowledge. Here is a tip I just made up: If it seems to good to be true, it probably is.
Some how I am supposed to feel sorry for "victims" of Bernie Madoff. But when you stop and think about it what made them put all their money with Madoff? Greed. Their desire to earn higher percentage on their money caused them to ignore the need to investigate why the percentages were so much higher. If it seems to good to be true, it probably is (c) me 2014.
Regulators fail at doing their job, so we have to give up rights to those same inept regulators, such as it always is with government. "It is not that we are so bad at our job, its that you haven't submitted enough money and/or information to make our job easy enough for us to do it."
I predict "regulators" will be selling insider information on who is buying what stocks, the government will be publishing reports on who supports what politically incorrect businesses, and the Koch Brothers account will be "leaked" pretty quickly.
If history is any guide there is already a loophole built into this system which we'll learn about years from now after some other scandal. But it sounds good now.
"If adopted, Cards would revolutionize how regulators do their jobs and could make it harder for unscrupulous brokers to bilk customers."
Here's a thought - before you invest, maybe you should do some background research on your broker? You know for shenanigans like being sued by clients, filing for bankruptcy, idiot behavior they may have posted to social media sites, maybe even go so far as to ask for a credit report so you can see that the person(s) handling YOUR money are actually capable of handling THEIR money? Just a thought.....and RobX's advice is good too - even if he did steal it from me...
"If we can easily compare information across firms, that will build enormously greater power into our focus,"
That is the problem, exactly. Centralized power. Next thing you know, they will want to use a system such as this to take over and manage the capital markets. They will provide some high-tech explanation, but the goal will be the same: destruction of the free market, and consequently destruction of individual liberty.
How the heck is the word "privacy" not mentioned once in this entire article?
The Unconstitutional search of private financial documents in itself jeopardizes private property, and the economy at large. People work hard to develop trading strategies in order to earn money via arbitrage, consequently greasing the wheels of the free market. Government should be staying out!
....unreasonable searches and seizures, shall not be violated....
sound familiar?
Being as thoughtful as possible, pardon my French, fuck this.
I am becoming to think that transparency is a one way street. We must be able to bare all and the Federal Government and do whatever it wants and how dear you question anything.
Not many positives here. If the Intelligent investor looks at these comments they can do an article on the public's distrust of NSA type big govt surveillance.
Let Freedom Ring!
There has to be regulation because there are so many individuals who, in neglecting the good of all, are incapable of regulating themselves to meet the highest standards for the good of our economy and people. We simply have to face the absolute reality that there are some shady folks out there, get our heads out of the sand, and expose them.
Who needs your social as long as they know where the majority is investing? Corruption is only a greed card away, or a backdoor for the NSA FBI or the IRS. Let alone forcing our hands at moving all funds back to the mainland. Time to cash out - CU boys.
Gee, what happened to the Republican Patriot Act mind-set of "I'm innocent so I've got nothing to hide"? Republicans displaying their hypocrisy; beautiful.
This is precisely what gov't is supposed to do: protect the powerless from the powerful, the little guy from the big guy.
With pensions, for the most part, now history, citizens are now required to be more self-reliant--Republicans should love that--and save for their own retirement. You'd think that Republicans would love that, but no. By objecting to CARDS, they are once again displaying their nasty habit of placing their personal welfare ahead of their own party's platform, let alone the welfare of others who may not be as fortunate.
Well played, Republicans! Your concern for your fellow man is overwhelming and your hypocrisy breathtaking.
Content engaging our readers now, with additional prominence accorded if the story is rapidly gaining attention. Our WSJ algorithm comprises 30% page views, 20% Facebook, 20% Twitter, 20% email shares and 10% comments.


text:
Adjunct Professor of Law
David C. Cleaver
Keller, Keller & Beck, LLC
Email: email@example.com
Phone: 717-264-1110
Course: Probate Practice
About Cleaver>
David C. Cleaver teaches Pennsylvania Probate Practice and has been an adjunct professor at the Law School for 43 years. He is of counsel with Keller, Keller & Beck, LLC in Chambersburg, PA, where his practice areas include wills, estates, and real estate.
Mr. Cleaver is state solicitor for the Pennsylvania State Association of Registers of Wills and Clerks of the Orphans Court. He is the author of Volumes 19 and 19A of West's Pennsylvania Practice Series, entitled Pennsylvania Probate and Estate Administration. Volume 19 is a comprehensive text dealing with practice and procedures involved in probate and the administration of a decedent's estate. Volume 19A, which also comes with a CD, contains dozens of forms the practicing attorney can utilize in the probate and estate administration process. Mr. Cleaver is also the author of Cases and Materials on Wills and Decedents Estates (1976) and Pennsylvania Probate Practice, with Forms (1st edition, 1983; 2nd edition, 1993; 3rd edition, 2000). He is a member of the Pennsylvania and American Bar Associations, the Association of Trial Lawyers of America, and the Pennsylvania Trial Lawyers Association.
While a student at the Law School, Mr. Cleaver was editor of The Dickinson Law Review and a recipient of the Abel Klaw Advocacy Award.


text:
We welcome any comments or suggestions about this site, or how it can be improved.
|Surgery News
Our Surgery News page contains current stories including:
|Healthier Together
In the face of increasing numbers of children presenting to Primary Care and Emergency Department, a Wessex-wide resource, Wessex Healthier Together, has been developed for parents and healthcare staff which focus on children aged under 5 years.
For further information please take a moment to look at this website. There are also apps available for smartphones: For the Apple App Click here and for the Android App Click here
|If you need medical attention
'Choose' Well by choosing the right service. Click on the link to find out more information.
Click here for the Choose Well leaflet.
|On-line Appointments and Prescriptions
You can now book your appointment and order your repeat prescription online using Patient Access. Whether you are at home or work you can quickly log on to view, book and cancel appointments and order repeat prescriptions via the internet. Available 24 hours a day, it's especially useful when the practice is closed or telephone lines are busy.
Click here to read our Statement of Intent
|Patient Participation Group
Did you know we have a patient participation group?
The purpose of the St Paul's Surgery PPG group is to help us access and use your ideas for new projects, and gaining your views as to how the practice can improve and develop.
Click here for further information.
|University of Winchester
We are the closest Medical Practice to University of Winchester just 0.5 mile to Burma Road and 0.6 miles to West Downs! We offer an on-line appointment booking service too!
We can boast over 30 years of experience working with Winchester University as it is now and King Alfred's College as it was known in the past.
|Care.Data - WHCCG Pathfinder project
The Care.data service which you may have received a letter about in September 2013 was postponed due to insufficient marketing. This service which will extract sensitive data from your GP medical record requires you the patient to OPT OUT otherwise information will be shared with third parties.
|BMI healthy weight calculator and tracker
If you have an iPhone, iPad or iPod touch, you can download the free NHS BMI healthy weight calculator and tracker from the iTunes App Store. The NHS BMI healthy weight calculator and tracker makes it easy to:
Read more about BMI and what it means for you
Not an iPhone user? No problem, you can use the BMI calculator on any device
|Stop smoking support on your mobile phone
If you have an iPhone, iPad or iPod touch you can download the free NHS Stop Smoking app from the iTunes App store. The NHS Stop Smoking app makes it easier to stop
Read all about stopping smoking and get more help, advice and information.
|New website for Mobile Phones and Tablets
We now have a mobile version of our Practice website.
If you use a smart phone such as an Apple iPhone, Google Android or Blackberry, or a Tablet computer you will probably be directed to the mobile version first.
If you still wish to see the desktop version of the St Paul's Surgery website there is a link at the foot of each mobile website page.
|Popular Pages
|Book an Appointment
|Request a Prescription
|Surgery News
|Surgery Newsletter
|GP Team
|Patient Reference Group
|UOW Student Information
|Update Your Details
|Alcohol Screening Test
|EPS Pharmacy Nomination
|Practice Catchment
|Larger Map
|Translate this page
|Other NHS Websites
|Mid Hampshire Healthcare
|West Hampshire CCG
|Hampshire Health and Wellbeing
|Healthwatch Hampshire
|GOV.UK Public Health
|NHS England South
|Patient Quotes
mouse over to freeze
|© WebAdore 2005 - 2016
|This website was last updated on 4 February 2016
|accessibility | privacy policy | terms of use


text:
This is a fascinating "Trade Machine" where you can input the picks surrendered on both sides, and it tells you which team gets more value based on FOUR different charts. The "old" chart and the Harvard chart are at the extremes. There are two other charts (one from this blogger's own site) that fall in the middle.
I plugged in the following: 31+34+128 for 14+44.
The old chart said that favored us enormously. Two of the other three charts gave Carolina the edge, and the third gave us a slight edge. In other words, if the old chart is truly going out of style, and if the teams in the 10-20 range of this draft are as desperate to trade down as media reports suggest, we might end up being surprised how cheap it is for us to move up.
I mean, who here wouldn't give up 31 and 34 and 128 for 14 and 44? We'd still have five picks in the top 93.
14: Sheldon Richardson or Tank Carradine
93: DL or WR


text:
Dr. Bryson won the Professor of the year, 2009. She most recently took the Music students on a choir tour through Italy. Amity holds a D.M.A. in vocal performance from UMKC. She has performed with the local opera company, Opera Kadopera. She is past-President for the K.C. Metro National Association of Teachers of Singing and Repertoire Standards Chair for Women's Choirs for the American Choral Directors Association. In January 2005, the auditioned choir, University Singers, performed in Carnegie Hall.
She serves as the music department chair, the musical theatre advisor, instructor of music, vocal director for the musical theatre scenes in the 2005-2006 First Lady Suite, and Aida, and is active in both the music and musical theatre programs at Avila. In 2006-2007, she was the musical director for Gypsy.


text:
Narrow your search
LG's new Signature washing machine can accommodate a second Sidekick washer, but the main unit can also dry your clothes.
Pricing not available
The new LG signature refrigerator upgrades the smarts of the door-in-door panel, so you can see through it with a knock. It'll also open when you get close.
Pricing not available
With its titanium, leather and sapphire body and whopping price tag, the Vertu New Signature Touch may be the most luxurious Android phone around.
Pricing not available
The Fluance Signature Series Hi-Fi Three-Way Floorstanding Speakers offer gorgeous looks and an impressive size but lack the performance which would justify the price.
Part of the launch of a new premium brand of appliances from LG, the Signature Dishwasher touts sleek looks and a very quiet sound rating.
The built-in model is the centerpiece of LG's new high-end Signature brand, which aims to steal some business away from Viking and Sub-Zero.
The Neato offers unmatched value in its field. Its performance, simplicity, and price make it an excellent choice for buyers seeking an effective, low-maintenance robot vacuum.
Tesla is readying the first glimpse of its first affordable vehicle, the Model 3. The reveal is set for March 31, and it can't come soon enough, as the automaker is facing increasingly tough questions about its future.
The NuHeat Signature floor thermostat keeps you in touch with your floors remotely
The Ultrasone Signature Pro is a German-made Mercedes class set of headphones built for a discerning clientele.


text:
Arizona Cardinals
Cardinals DC looking for rookie Jamell Fleming to 'grow up'
Arizona Cardinals cornerback Jamell Fleming has hit a rough patch late in his rookie season.
Defensive coordinator Ray Horton described Fleming's play early in the year as "spectacular," but thinks the corner since has had "a sense of lull" or "complacency" as of late.
"I think he probably thought there is nothing to this league. I don't have to prepare, I don't have to study, I don't have to challenge myself and you really do every day or you get run by," Horton said.
The Cardinals selected the former Oklahoma Sooner in the third round of the 2012 NFL Draft, but Horton doesn't want the young cornerback to act like a rookie anymore.
"I need him to grow up, mature, be a professional and in my opinion, he is not at that point yet," Horton said. "We had a long talk yesterday, so it will be interesting to see how he performs."
Fleming said that he had no argument with what Horton told him.
"Him being honest is what I want," Fleming said. "I don't want him to lie to me and tell me something I want to hear."
Horton said he challenged Fleming to be a very good special teams player and wanted to see what the rookie could do on Sunday.
"Whenever they put me in, that's where I am going to make my mark," Fleming said. "I'm just trying to get better."
Most Popular
Cardinals Audio
2-12-16 The Sports Kabob with Jarrett Carlen
Friday February 12
Topics include O.J. Simpson, the Super Bowl, and the NBA All-Star game. It's sports news skewered
Steve Rannazzisi, comedian and star of "The League"
Friday February 12
Steve talks about the Super Bowl, fantasy football, and his controversial 9/11 comments
Calais Campbell - Arizona Cardinals DE
Friday February 12
How is CC preparing for 2016? What will be his main focus for the off-season? Plus, Calais responds
Anquan Boldin - Former Cardinal WR
Friday February 12
B-Train asks Q about his Walter Payton Man of the Year award, his plans for 2016 and his thoughts on
John Clayton, ESPN NFL insider
Friday February 12
John Clayton says Kurt Warner will likely get into the Hall of Fame next year.