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Brock BondBaltimore Orioles
Second Baseman | Ht: | Wt:
|Orioles | Two signed
Tue, 14 Jan 2014 12:33:18 -0800
The Baltimore Orioles signed free-agent 2B Brock Bond (Giants) and RP Luis Vizcaino (Yankees) to minor league deals Tuesday, Jan. 14.
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|| Source: MASNSports.com - Roch Kubatko
|MLB | PCL All-Star roster announced
Thu, 01 Jul 2010 08:53:24 -0700
The Pacific Coast League announced its All-Star roster for the 2010 season Thursday, July 1, according to MLB.com's Danny Wild. The roster will consist of Toronto Blue Jays C J.P. Arencibia, Los Angeles Angels of Anaheim 1B Mark Trumbo, San Francisco Giants 2B Brock Bond, Texas Rangers 3B Chris Davis, St. Louis Cardinals SS Tyler Greene, Los Angeles Dodgers OF Jay Gibbons, Kansas City Royals OF Alex Gordon, Colorado Rockies OF Matt Miller, Los Angeles Dodgers DH John Lindsey, Chicago Cubs SP Thomas Diamond, Seattle Mariners SP Luke French, San Diego Padres SP Ernesto Frieri, Colorado Rockies P Matt Reynolds, Oakland Athletics C Josh Donaldson, Los Angeles Dodgers C Lucas May, Chicago Cubs IF Darwin Barney, Milwaukee Brewers IF Luis Cruz, Colorado Rockies IF Brad Eldred, Kansas City Royals IF Kila Ka'aihue, Florida Marlins IF Hector Luna, Toronto Blue Jays IF Brett Wallace, Houston Astros OF Brian Bogusevic, Toronto Blue Jays OF Chris Lubanski, St. Louis Cardinals P Brandon Dickson, San Francisco Giants P Steve Edlefsen, Texas Rangers P Michael Kirkman, Oakland Athletics P Clayton Mortensen, Arizona Diamondbacks P Jordan Norberto, Texas Rangers P Pedro Strop and Los Angeles Angels of Anaheim P Rich Thompson.
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The Lumia 920 has been added to the catalogue of Windows Phones available at Canadian mobile operator Rogers. The unique colour is one of the rare variants, along with the grey and red versions. Priced at the same points as other Lumia 920s listed on the company's website, the $49.99 on a 3-year contract isn't a bad deal (though it is for anyone who's used to 1-year and 2-year plans).
If the plans aren't up your street, Rogers also has a full purchase option for $599.99 outright. The mobile operator is also giving away a free Nokia Wireless Charging plate with purchases (any variant is eligible for this offer it seems).
Source: Rogers; via: MobileSyrup


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Guest Post: Why I Love the Memphis Redbirds
AutoZone Park in Memphis (All photos in this post courtesy Wes Milligan, unless otherwise noted)
You don't get a second chance to throw out a first pitch at a Memphis Redbirds game.
There I was, just a few feet from the mound, a bundle of nerves as I prepared for my moment on the hill. To make matters worse, a few…
View original post 625 more words
Promotional Sneak Peek – St. Patrick's Day
Here is another sneak peek of a giveaway featured in the promotional calender for the 2014 season. It happens on Friday, May 23rd, when the Oklahoma City Redhawks visit AutoZone Park. Not only is it Irish Heritage Night, but the first 3,000 fans will also receive the green batting practice hat shown above. The night is presented by Silky O'Sullivan's. Get your tickets to this game here.
2014 Memphis Position Players – Predictions & Input
When camp opened a few weeks ago, 59 players reported to Major League Spring Training with the St. Louis Cardinals. Grapefruit League play is now two weeks old and the spring training roster is down to 46. There are plenty of story lines that have developed over the progress of 14 days.
- Oscar Taveras did not show the break out spring the organization was looking for and was optioned to Triple- A on Thursday.
- Stephen Piscotty is locked in and has impressed at the plate, but barring strange circumstances, will start at the Triple-A level.
- Carlos Martinez has made things interesting for the final spot in the Cardinals starting rotation. He has allowed just five hits and two earned runs in 10.0 innings as a starter thus far.
- Lance Lynn took the mound yesterday and struck out 10 batters in 4.0 innings, including eight K's in a row to end his outing.
- The Cardinals made a bold move by signing Cuban infielder Aledmys Diaz, who did not appear in a game during the 2013 season.
The list could continue, but the bottom line is that the team has for the most part remained healthy and strong through the first few weeks.
The Cardinals started optioning players at the beginning of the week, moving ten total so far. Three of them, RHP Angel Castro, OF Mike O'Neill and OF Rafael Ortega, were placed on the Triple-A Memphis roster. Of the other seven, RHP Boone Whiting (pictured above) is the one that should be noted. It was a bit surprising to see Whiting not placed on Memphis' roster after he made 21 starts for the Redbirds in 2013, going 5-5. Projections had him as one of the five starters to begin with Memphis, but he could see a quick promotion similar to last year (more information on the starting rotation and bullpen will be up next week on the blog). St. Louis has since optioned only three players, all on Thursday and all to Memphis. As mentioned above, OF Oscar Taveras was most notably moved, joining RHP Eric Fornataro and C Audry Perez. As for the remainder of the Memphis roster, things are still up in the air, but the forecast of players may be foreseeable.
With Taveras locking down one of the outfield spots, most likely right field, it is expected that Piscotty and Randal Grichuk (pictured above) will join him. Grichuk has appeared in 61 games at center field in the past two years and will more than likely anchor that spot for Memphis. Seeing Piscotty succeed as he has in spring training is exciting to witness, but Cardinals' manager Mike Matheny has hinted at a start at Triple-A for the outfielder. O'Neill is a contact hitter that may fill a spot early in the season if Taveras is not healthy enough to go right away. Otherwise, expect him to be a bench player with the opportunity at pinch hitting. The real surprise of the moves thus far was seeing Ortega placed in Memphis. Ortega did not do much in his six at-bats in spring training, plus he hit only .228 last year with Double-A Tulsa in the Colorado Rockies' organization. Offseason-signee Joey Butler was predicted to fill a fifth outfielder spot on the Triple-A roster, but he has not been moved from Major League camp yet. The former Texas Ranger has spent the past three seasons as an opponent of the Redbirds as a part of Triple-A Round Rock. With Ortega landing on the Triple-A roster it does mean that 2012 1st round pick James Ramsey will probably start with Double-A Springfield.
The signing of Diaz on Sunday piled more questions on an already packed infield. Though he is not able to compete in Cardinals spring training games because of work visa issues, it was reported he would get some action in minor league games soon. It was said that the infielder would begin in a high level of the St. Louis system, but that will be Double-A more than likely. In addition to Diaz, fans can expect many new faces on the infield. Scott Moore, Greg Miclat and Xavier Scruggs (pictured above) are slated to begin in Memphis. Moore has Major League experience with three different clubs, but spent the 2013 season in Triple-A with Tucson and Sacramento. He has experience at first base, third base and as a corner outfielder. Miclat was a Rule 5 pickup by St. Louis from Texas. The middle infielder spent the majority of 2013 with Triple-A Round Rock as a teammate to the above-mentioned Butler. Finally, Scruggs is a first baseman who has been in the organization for the last six years. He has shown terrific power (22 HR in 2012, 29 HR in 2013) through the years and actually holds the Springfield Cardinals home run record, a feat he achieved on the last day of the regular season in 2013. The downside to Scruggs is that he strikeouts a lot (177 times in 2013) and has not hit for a high average yet. The way he is hitting in spring training should be a cause for excitement though. Those new additions should team with the more familiar, namely Jermaine Curtis, Greg Garcia and Vance Albitz, to man the infield. If there was to be an odd man out, it would be Albitz. He was back-and-forth between Springfield and Memphis last season and could use the at-bats at Double-A.
Backstops are as set as they could be with Perez and newly-signed Ed Easley (pictured above). Perez got experience as a late-season call up in 2013 and appeared in 25 games with Memphis before that. Easley had spent the past seven seasons apart of the Arizona organization but signed with St. Louis in the off-season. He led all Pacific Coast League catchers last year by throwing out 35.7% of attempted base stealers with Triple-A Reno.
Rosters will continue to fill out quickly with more moves in the coming days and weeks. In the end, Triple-A Memphis, as always, will feature a surplus of young talent looking to prove themselves.
Twitter Talk – Grapefruit Play
Our favorite time of the week has returned for a third installment. With Grapefruit League play getting fired up, there is plenty of action around Twitter to keep fans entertained. Below is a few of our favorite tweets that went out within the last week or so.
Jason Motte has been very active with fans in his return journey from an injury last year.
Love it RT @MikeSykora: Another great pic with @JMotte30 from last week! #KoutCancer #stlcards #rt #jupiter #beards pic.twitter.com/8prdwDuxpU
— Jason Motte (@JMotte30) March 8, 2014
Tyrell Jenkins even coordinated his sandals with the stripes in his socks
#HighSockSunday #WhatUThink @jonjayU @DanielDescalso pic.twitter.com/ww2uDXGAaS — Brotha Jenkins™ (@TyrellJenkins14) March 9, 2014
Marco Gonzalez lets us know that baseball is not done right without a bag of sunflower seeds.
Gotta love those Hidden Valley Ranch seeds!! #BIGS @BIGS_Seeds pic.twitter.com/XCA2ZrJXa5 — Marco Gonzales (@MarcoGonzales_) March 10, 2014
Kolten Wong and Xavier Scruggs discussed Wong's impressive sliding grab on Tuesday.
@Xavier_Scruggs sorry brotha wasn't sure if you could handle lol — Kolten Wong (@KoltenWong) March 11, 2014
St. Louis Cardinals beat writer Derrick Goold said the diving catch was not the only thing Wong did that impressed on Tuesday.
Biggest buzz at Camp #Cardinals today: Kolten Wong's flat-footed backflips during stretch. No, he says, he cannot do an Ozzie cartwheel flip — Derrick Goold (@dgoold) March 11, 2014
The 2013 National League Championship Series MVP Michael Wacha made a few cards worth a lot of money with his autograph.
Hanging with @PaniniAmerica at the #PaniniSpringTrainingRoadTrip pic.twitter.com/dbY1ens48G
— Michael Wacha (@MichaelWacha) March 12, 2014
Infielder Patrick Wisdom was snapped doing a "little pregame bubble work."
"@Stuivailala: I see you getting some ESPN action @PatrickWisdom5 pic.twitter.com/xPekCee10v" little pregame bubble work — Patrick Wisdom (@PatrickWisdom5) March 12, 2014
The Cardinals had some fun with PGA golfer Rickie Fowler on Tuesday. Fowler even had his own bat made and took some batting practice
Haha good time today!! RT @SUGASHANE43: @RickieFowlerPGA I think I got you beat. pic.twitter.com/F9Vg5HVxW6
— Rickie Fowler (@RickieFowlerPGA) March 12, 2014
One of the Cardinals top prospects, Rob Kaminsky, captured a special moment.
Before our first game vs Marlins ! @mike_mayers28 @Stuivailala #cardinalnation pic.twitter.com/z7ehnvbcWr
— Rob Kaminsky (@Kaminsky21) March 13, 2014
Remember that the exhibition game between the St. Louis Cardinals and Memphis Redbirds is just 15 days away! Tickets go on sale this Saturday, March 15th.
Single Game Tickets On Sale March 15th
The Memphis Redbirds announced today that individual tickets for the 2014 regular season and the St. Louis Cardinals Exhibition Game will go on sale to the general public at 10 a.m. on Saturday, March 15th.
Check out the Redbirds' website for more details.
After an eight-game road trip to begin the 2014 regular season campaign, the Redbirds will celebrate AutoZone Park's 15th Anniversary season beginning with a 7:05 p.m. home opener on Friday, April 11th against the Iowa Cubs (Triple-A Cubs).
Ankiel Retirement
Word got out quickly on Wednesday after Rick Ankiel announced he was retiring during the St. Louis Cardinals' broadcast of their game between the Miami Marlins. With the proclamation, the former 1997 second round pick of the St. Louis Cardinals closed the book on an up-and-down, unique playing career.
Ankiel opened his professional career at Single-A Peoria of the Midwest League in 1998. He advanced through two levels in 1999. He was then rated the #1 top prospect in the minor leagues before the 2000 season, and after a dazzling performance on the mound, Ankiel found himself on the St. Louis roster for the first time in his career. The hard-throwing left-hander became an 11-game winner over 30 starts. He concluded the year with a 3.50 ERA in 175 innings. It would be his only good season as a pitcher, as most know the story of the wheels falling off for Ankiel. The inability to throw strikes forced him to turn his attention to the outfield, where he would adequately survive over seven more seasons with five different big league clubs.
The now-34-year old veteran saw parts of four seasons in Memphis ('99, '01, '04, '07). As a pitcher with the Redbirds, the southpaw ended with a combined 8-5 record and a 3.76 ERA, even being named the Baseball America Minor League Player of the Year in 1999. Even during his best season as a pitcher at Triple-A, the potential as a full-time hitter always seemed to be with Ankiel, when he went 6-for-21 with two doubles and four RBIs in '99. Records say he would not log an at-bat with Memphis again until 2007, when he hit .267 with 32 home runs and 89 RBIs. Those stats warranted a call-up from St. Louis, finishing the year by playing 47 games with the Cardinals and driving in 39 more runners.
That 2007 season with Memphis was one for the books though. He led the team in total bases, (221), home runs and RBIs. He holds three single-game Redbird records, two of which he earned in one game during the '07 season. He is tied with three other players after hitting three home runs on June 16th against Iowa. Ankiel ended up with 13 total bases that game after adding a single to his 4-for-5, three-RBI game, which still stands as the record in that category. The outfielder paired a .314 on-base percentage with a .568 slugging percentage, a career-high between both the majors and minors. He had the highest HR/AB ratio in the Pacific Coast League that year, a mark that stood at 1/12.16. There were 13 different games when Ankiel recorded three or more RBIs. He hit home runs in back-to-back games seven different times, even going yard in four consecutive contests from July 3rd to the 7th. The strong arm he used to pitch with came into play during his time split between right and center fields. While he committed seven errors in 238 chances, Ankiel posted eight outfield assists and started three double plays. Adding to all of that, the then-27-year old swiped four bases in seven chances. He was named a starting outfielder at the Triple-A All-Star Game and awarded a Post-Season All-Star selection from the Pacific Coast League. His promotion to St. Louis on August 9th was well warranted. Ankiel would go on to play two more seasons with the Cardinals in '08 and '09 before moving elsewhere.
For me, Ankiel was someone I thought had it all together. I knew he could throw hard and that he was considered to be good. When he tried to make the conversion from pitcher to outfielder, I gave up on him for a little while. That 2007 season in Memphis would go on to springboard him into a respected all-around outfielder. I will always have two memories regarding him. The first was when I had gotten two of the same rookie cards of him in one baseball pack. I remember being the hot trader on the block with that extra card. The other is actually baseball related and it came when I was glued to the television as the Cardinals were in the midst of a six-game road swing during the 2008 season. It was a beautiful May night in Colorado and Ankiel was manning center field for St. Louis. In what I still consider to be two of the greatest throws from the outfield, Ankiel recorded two assists by gunning the ball with pinpoint accuracy to third base. When he nailed the runner at third for his second assist in eight innings, I was cheering so loud my mom had to tell me to settle down. (Enjoy)
Rick Ankiel was a talented man. Having success after switching from a top pitcher to outfielder will rarely, if ever, happen in the way that Ankiel made it happen. As he continues his life past a playing career, I wish him all the best and give thanks for the memories he provided me with growing up.
MLB Pipeline Prospects – St. Louis
Spring Training is the perfect time to see a majority of an organization's top prospects on display. Talented players get to show whether they have progressed or regressed during the offseason. Prospect talk becomes a hot topic around this time of the year with players from low levels given the potential chance to go up against Major League veterans.
Baseball America released its Top 100 prospect list last week, and this week MLB is releasing each organization's Top 20 list through the MLB Pipeline. The list for the Cardinals was revealed on Tuesday and we offer more information below on those that we project to spend some part of the season with Triple-A Memphis.
No. 20 Sam Freeman: The southpaw has contributed in the St. Louis bullpen the past two seasons with a combined 4.21 ERA in 37 games. Delivering from the left side the past two seasons with the Cardinals, Freeman actually saw better success when dealing with right-handers, holding them to a .179 clip.
The former 32nd round draft pick has some room for improvement to become a sharp middle reliever. Two encouraging signs from Freeman is that his strikeout-to-walk ratio has increased and WHIP has decreased during his rise to higher levels of play.
No. 19 Mike O'Neill: Playing the outfield in every single game during his professional career, O'Neill has never had more strikeouts than walks at any level during his four year career. With a career .435 on-base percentage, he is a player that relies on speed and plate discipline to reach base. O'Neill has never hit more than five home runs in a season, but has yet to commit more than four errors also. The former USC Trojan hits for average and hustles in the field, but it may be tough for him to become a regular at the Major League level.
No. 18 Lee Stoppelman: The fourth left-handed pitcher on the list, Stoppelman is coming off a solid showing at the Arizona Fall League where he posted a 2.89 ERA in 9.1 innings. Not known for blowing the competition away with velocity, he relies on pitch movement and location to keep hitters off balance. A season after holding hitters to a .150 average in 37 games at Double-A Springfield, Stoppelman will more than likely spend his first full season with Triple-A Memphis.
No. 17 Zach Petrick: Even through his college days, Petrick has been known for striking out hitters in excess. Named the 2013 Minor League Pitcher of the Year in the Cardinals' organization, he posted a 1.99 ERA and 122 strikeouts through three different levels. The right-hander relies on location and using a three-pitch mix to keep hitters guessing. Still young, Petrick is entering only his third professional season and was one of eight pitchers that received a non-roster invite to Major League Spring Training this year. His future seems bright with a likely landing spot at Triple-A Memphis.
No. 13 Jordan Swagerty: Unfortunately for Swagerty, the injury bug has plagued him much of the past two seasons. A victim of Tommy John surgery that made him miss the 2012 season and a majority of the 2013 season, the right-hander started as a non-roster invite to Major League Spring Training this year, but was sent to minor league camp after experiencing inflammation in his elbow. Nonetheless, he notches the list because of plus stuff that includes a strong fastball with a solid curveball. He had an impressive run in 2011, spanning three levels of play and possessing a 1.83 ERA. With two plus pitches and past experience, Swagerty has the potential to turn heads if he can stay healthy.
No. 12 Randal Grichuk: Acquired from the Angels with Peter Boujos in the trade that sent David Freese and Fernando Salas to Los Angeles, Grichuk may be best known for being picked one spot ahead of superstar outfielder Mike Trout. The 22-year old has put up sturdy power numbers the past two seasons that include 114 extra-base hits, 40 of those home runs. He may be better known for a good glove though after earning the 2013 Rawlings Minor League Gold Glove Award at right field. He committed two errors while throwing out 11 runners, five of those as part of double plays. If Grichuk can find plate discipline and hit for a higher average, he will have the tools needed to make an impact at the Major League level.
No. 11 Charlie Tilson: Known best for his speed, Tilson has the makeup of a quick outfielder that covers lots of ground and hustles around the base pads. The defense is there and as he progresses through higher levels of play, his offense hopes to remain strong as well.
No. 10 Tim Cooney: Selected in the 3rd round of the 2012 draft, Cooney progressed to Double-A in only his second professional season in 2013. The lefty recorded 148 strikeouts last season, most of any St. Louis minor leaguer. His ability to strike batters out stem from his sinking changeup and strong location skills. He uses his fastball wisely, getting ahead of hitters through the ability to spot the pitch on both sides of the plate. Cooney received a non-roster invite to Major League Spring Training this year and has already received buzz about the terrific job he has done. He will get the chance to prove his stuff at Triple-A this year, and could be a key starter from the left side for St. Louis down the road.
No. 7 James Ramsey: Playing at Florida State University, Ramsey hit above .360 in both his junior and senior seasons. He has struggled to repeat that success at the professional level though, posting a .253 mark through his first two seasons. While his average dipped in 2013, his power numbers surged, as he recorded 16 home runs and a total of 36 extra-base hits. One thing some overlook is Ramsey's speed that allows him good range in the outfield and the ability to leg out infield hits.
No. 5 Marco Gonzalez: The second left-hander in the top 5, Gonzalez is known for coupling his quality control with steady off-speed pitches. While he continues to pitch, look for a good strikeout-to-walk ratio as he consistently pounds the zone. With velocity that will not blow any hitters away, Gonzalez never relies too much on one side of the plate and works in his secondary pitches smoothly. The former Gonzaga Bulldog is expected to make a rapid expansion through the minor leagues, with a chance of seeing action at Triple-A.
No. 3 Stephen Piscotty: The organization is high, and should be, on Piscotty after an excellent 2013 season that was followed up by a first-class showing in the Arizona Fall League. The now-outfielder began his career as a third baseman, but with past experience as a pitcher, the arm strength is not a problem. Even with the ability to get around on inside pitches, Piscotty is more of a line drive hitter that can crack a home run from time to time. The former Stanford Cardinal will look for another strong showing coming off an impressive year.
No. 2 Kolten Wong: At 5'9", Wong has proved to be a perfect fit at second base. Combining quick bat speed, good baseball instincts and a swift agility running the bases and tracking balls down, the former University of Hawaii Warrior has the tools to be an everyday starter on the right side of the infield. Already acquiring big league experience in his third season during 2013 puts Wong a step ahead in trying to secure a job with St. Louis for the 2014 season. He has proven his ability at the minor league level and now things need to translate offensively with the big league club for Wong's hope of earning a job in St. Louis.
No. 1 Oscar Taveras: Simply put, Taveras is the next superstar to come through the St. Louis organization. With a smooth swing, good speed, strong arm and a lot of potential, the outfielder should see time with the big league club at sometime this year.
For a complete list of the prospects, take a look here.
Promo Sneak Peek #1
As the snow begins to melt and the sun sneaks through the clouds, we're reminded that the Battle of the Birds is only 23 days away! With the season just around the corner we figured it would be a good time to give the fans a sneak peek of an upcoming promotional giveaway. On Friday, May 16, when the Redbirds welcome the defending PCL Champion Omaha Storm Chasers to AutoZone Park, it will be Kolten Wong bobblehead giveaway night. The bobblehead is the first of three bobbleheads the Redbirds will feature during the 2014 season.
Cooney Drawing Attention
Tim Cooney, recently ranked as the No. 6 top prospect in the St. Louis organization by Baseball America, has apparently been impressing many people in a short amount of time. Receiving a non-roster invite to Cardinals Spring Training, the former Wake Forest hurler is coming off a terrific 2013 campaign. The southpaw was named a Texas League Mid-Season All-Star, back-to-back Texas League Pitcher of the Week winner, and finished first in the entire St. Louis organization with 148 strikeouts in 2013. Entering his third professional season, Cooney still has yet to allow more than two walks in a single outing. There is a lot of excitement and potential surrounding the young pitcher, as he looks to bust out in 2014.
Read more here.
Let the Games Begin
The Grapefruit League kicked off today as St. Louis battled Miami. Though the Cardinals fell to the Marlins, 5-4, one thing is sure; baseball is back! We will keep you posted on who looks to land where as spring training progresses these next couple of weeks.
The 15th season at AutoZone Park looks to be a good one. We think this tweet from Redbirds' broadcaster Steve Selby sums up a lot about the talent in the St. Louis organization.
9 of 10 Cardinals starters today passed through AutoZone Park. #alumni
— Steve Selby (@SelbyRedbirds) February 28, 2014
Be sure to keep track of your favorite players within the organization by following the different levels they could appear at during the season.
And remember, the Battle of the Birds is now only 28 days away!


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Ray-Ban is arguably the most famous name in the world when it comes to eyewear. The brand's styles are unmistakable, and the company's heritage is among the most influential. Known worldwide for creating some of the best eyeglasses on the market today, the brand is constantly evolving and adapting to the world around it, and its eyeglass frames exemplify this characteristic.
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Since then, over many decades of consistent quality and innovative style, the company has evolved into a premiere fashion brand that has helped to shape popular culture. Beyond a fashion trend, Ray Ban Glasses identify the wearer as tasteful, bold, and cool. From Hollywood to the Oval Office, generations of Americans have owned or wanted to own a pair of these frames. And now, nearly eight decades since the legendary aviators helped pilots soar higher into the heavens than ever before, RayBan continues to excel at quality, innovation and style.
Driven to be the best in optical technologies, FramesDirect.com offers a diverse range of corrective eye glasses lenses for your Rayban frames, including bi-focals, tri-focals, progressives, and single vision lenses to suit your particular vision correction needs. In fact, your lenses will be carefully checked against your prescription by on-staff opticians before your new glasses are delivered to you.
To frame your precision-crafted lenses in distinctive style, Ray-Ban prescription eyeglass frames come in a variety of materials, including metal, plastic, and titanium. Rim designs include full rim, semi-rimless, and rimless. Color choices are generally classic black, grey, silver, and tortoiseshell, though some styles offer subtle splashes of color such as red arms or a touch of blue shading on the inner rim of the frames. Shapes range from the iconic classic styles to rectangles, rounds, squares and more. Narrow your search further to find RayBan eyeglasses frames for women or Ray Ban eyeglasses frames for men. Whatever your vision correction needs or your taste in frames, FramesDirect.com has the real Ray Bans & designer glasses you're looking for.


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Philosophy is the process of thinking rationally and critically about the most basic and important questions of life: what gives life meaning, what is ultimately real, what is the character of value or ethics, how do I distinguish knowledge from the varying opinions of what people claim to be true, what constitutes sound reasoning?
Religious Studies utilizes the insights and methods of such diverse fields as literary criticism, linguistics, iconography, anthropology, psychology, sociology, and history in order to analyze and explore the essential character of the religious dimension of life, especially the various ways in which religious experience has been or is understood and expressed in the world. No religious or irreligious beliefs are required in such study.
Kinard Hall - Home of the Philosophy and Religious Studies Department


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GPSolo Magazine - April/May 2005
Settlement Tools and Tips
This article is a primer for attorneys representing claimants. Each of the four tools described here—aggregate settlement rules, special-needs trusts, structured settlements, and qualified settlement funds—must be mastered to avoid malpractice risks. Indeed, one of them (aggregate settlement rules) could result in forfeiture of your fee if misapplied. Another (special-needs trusts) could result in loss of the entire settlement for the client if not used or misused.
Aggregate Settlement Rules
The first hurdle in settling a multi-client case is being sure that you have complied with the aggregate settlement rules when accepting the defendant's offer to settle two or more claims. These rules apply to every case in which you have two clients and in which the defendant offers a single sum of money to dispose of all of your cases for those clients.
The rules. Each state has rules prohibiting you from making an aggregate settlement unless you have made certain disclosures to your clients before you agree to the settlement on their behalf. Those state rules are usually identical to the American Bar Association Model Rule 1.8(g), which provides as follows:
(g) A lawyer who represents two or more clients shall not participate in making an aggregate settlement of the claims of or against the clients, or in a criminal case an aggregated agreement as to guilty or nolo contendere pleas, unless each client gives informed consent, in a writing signed by the client. The lawyer's disclosure shall include the existence and nature of all the claims or pleas involved and of the participation of each person in the settlement.
The commentary. The American Bar Association commentary on Rule 1.8(g) provides the disclosures necessary to comply with the rule, as follows:
Differences in willingness to make or accept an offer of settlement are among the risks of common representation of multiple clients by a single lawyer. . . . The rule stated in this paragraph is a corollary of both these Rules and provides that, before any settlement offer . . . is made or accepted on behalf of multiple clients, the lawyer must inform each of them about all the material terms of the settlement, including what the other clients will receive or pay if the settlement . . . is accepted.
The remedy. If a lawyer facilitates an aggregate settlement and a client later complains, then forfeiture of your fee may be the remedy. The Texas Supreme Court, the only Supreme Court to rule thus far on the remedy question, held in Burrow v. Arce, 997 S.W.2d 229 (1999) that the client does not need to show actual damages from a breach. Moreover, the question of how much of your fee to forfeit for the breach is for the trial court, rather than for a jury. Burrow involved 126 clients injured in a chemical explosion, but the doctrine can also apply to two-client cases. For example, one New Jersey lawyer represented a driver and passenger against a third-party vehicle driver. Because the third-party driver had only limited insurance, the Appellate Division of the New Jersey Superior Court found a violation and also suggested forfeiture of the entire fee. Straubinger v. Schmitt, 792 A.2d 481 (2002). Many other cases invoke disciplinary sanctions, rather than fee forfeiture.
How to comply with the rule. When the defendant offers, "We will pay $1 million for your three cases against us," your response must be, "I accept, provided that I can first obtain the consent of all of my clients to this aggregate offer." Then, you must implement the disclosure and consent process.
That process is to describe to each of your multiple clients in correct detail in writing what the aggregate offer is. In this case the offer is money. The attorney must also describe to each client what that client's share would be of the aggregate settlement offer. If the money is not going to be divided equally among your several clients, you must also describe what shares the other clients you represent are going to receive and why those shares differ in amount or terms. All of this should be documented in writing. In large product-liability cases, this disclosure can be accomplished with a grid of injuries presented in the litigation with assignment of a dollar value to each injury. In most day-to-day cases, however, this disclosure is a more subjective description of each client's circumstances and how each justifies the amount allocated from the aggregate settlement offer. Ideally, all of this should be done by an independent person, such as a structured settlement consultant, a mediator, or another person not motivated by self-interested contingent compensation to consummate the settlement.
In many cases, the attorney's assumption of strong client control can lead to trouble. Without written compliance with the rule, your previously well-controlled client could emerge from the next cocktail party with a new lawyer complaining about how inadequate that client's share of the settlement was. Your attorney fee could become the source of money used by the court to restore to the client the perceived shortfall.
Having complied with these aggregate settlement rules, the next consideration is preservation for the settling client of any governmental benefits to which the client may be entitled.
Special-Needs Trusts
Nothing worse can happen to your client on Medicaid than to receive a large award for an injury, to be thereby disqualified for further Medicaid, and to be required to spend that award to pay for his or her own medical care before requalifying for Medicaid. Only the government entities that would otherwise be paying for such care can potentially benefit from your settlement efforts. But there is a solution for this potential problem: a special-needs trust (SNT). Settlement amounts held in such SNTs don't count when your client applies for Medicaid. The statutory authority is in 42 U.S.C. §1496p(d)(4)(A), which is also described in the Social Security Administration's Program Operations Manual System at §SI 01120.105, as follows:
If the claimant beneficiary's access to the trust principal is restricted (e.g., only the trustee or court, etc. can invade the principal), the principal does not count as a resource to the claimant. The authority for discretion by the trustee in the use of trust funds, including invasion of the principal for support and maintenance of the beneficiary, does not mean that the principal is available to the claimant/beneficiary and, as such, is not a resource.
The purpose of SNTs. SNTs provide a "legal tool" to preserve and upgrade the care provided by the government. The upgrade is achieved by preserving the client's eligibility for Medicaid and Supplemental Security Income (SSI) by segregating settlement proceeds into a trust. The trust can pay for a home, home improvements, a van, medical equipment, a limited amount of household goods, and consumables other than food, clothing, or shelter. The SNT can provide significant services such as entertainment, travel, dentistry, and medical service beyond those services provided by the government.
Benefits preserved and protected by SNTs. Two of the most important benefits preserved and protected by SNTs are Medicaid and SSI. Medicaid provides significant medical services (including skilled nursing facility services). SSI provides monthly cash payments based upon family size and income level. Each program continues only so long as your client has poverty-level income and assets. Sometimes, county welfare, Section 8 housing, and other programs may also be preserved.
Being a creature of the Social Security laws and their accompanying regulations, SNTs are unduly complex. There is simply insufficient space here to explore that complexity. Nevertheless, if your client is currently enjoying any form of governmental benefit based on assets or income, you should consult someone who knows about these strategic vehicles before formally finalizing the settlement. If an SNT is appropriate, you should consider funding the trust with structured periodic payments.
Having screened your client for SNT eligibility, the next step is to determine how your client would best receive the money to be paid as a result of the settlement. Should all of the settlement amount be paid immediately, or should all or a portion of the settlement proceeds be paid periodically in future years?
Structured Settlements
The Internal Revenue Code excludes from income all compensation (other than punitive damages) for physical personal injuries. That exclusion is found in section 104(a)(2) of the Internal Revenue Code, as follows:
(a) In General.—Except in the case of amounts attributable to (and not in excess of) deductions allowed under section 213 (relating to medical, etc., expenses) for any prior taxable year, gross income does not include . . . the amount of any damages (other than punitive damages) received (whether by suit or agreement and whether as lump sums or as periodic payments) on account of personal physical injuries or physical sickness. [emphasis added]
A settlement that pays an unsophisti-cated injured claimant a large amount of money in a single lump sum payment carries with it the very real risk that the settlement money will be dissipated all too soon. The client might then reappear in your office as the victim of predatory relatives or poor financial decisions and seek more money—which would, of course, be unavailable. Receiving the compensation over time ensures that additional future money is available to deal with the ongoing financial needs of the claimant.
The settlement agreement. Because section 104(a)(2) excludes from income the compensation received for the injury, the wording of the settlement agreement is important. It should provide that none of the settlement is to compensate the claimant for prior medical expenses that have been deducted. It should provide that none of the amount being paid is for lost income or punitive damages.
The settlement agreement should also provide that, if periodic payments are to be paid, the defendant or its insurer is agreeing to pay them. But defendants often balk at agreeing to a long-term payment obligation. In addition, when seeking future payments, claimants are seldom willing to look to the tort-feasor or to its insurer with whom the claimant has been doing battle. For such reasons, a payment device has been provided in the Internal Revenue Code. That payment device, called a qualified assignment, permits the defendant or its insurer to transfer its obligation to a third-party payor to make future periodic payments and to fund defendants' settlement obligations with a commercial annuity policy.
The qualified assignment. The qualified assignment is advantageous for the claimant because a new, possibly more credit-worthy obligor is normally substituted for the tort-feasor or its insurer for future periodic payments. The qualified assignment is good for the tort-feasor and for its insurer because it permits the file to be closed on the litigation, instead of retaining a long-term obligation to pay the claimant in the future. The qualified assignment is additionally advantageous because it ensures tax certainty for all of the parties to the qualified assignment.
The qualified assignment provision is in section 130 of the Internal Revenue Code and contains several rules for qualification. Among the most important for the claimant are the rules prohibiting future anticipation or borrowing by the claimant against the settlement annuity benefits. In fact, however, borrowing may be permitted with court approval. Generally such loans against settlement proceeds are made at very high interest rates. Thus, to avoid the need for such loans, claimants should be counseled to plan carefully for the timing and amount of each payment for housing, college, and other personal needs. This, among others, is a task best performed by an experienced structured settlement consultant.
Funding the future payments. Assuming that the claimant has not agreed to permit the defendant or its insurer to make the future payments, the third-party assignee (typically a highly rated insurance company) will provide an annuity from which the claimant will receive payments as agreed upon in the written settlement agreement. This annuity is not owned or controlled by the claimant. Instead, this annuity is owned by the assignee, which is usually an affiliate of the insurance company that issues the annuity to fund the structured settlement. The reasoning for this somewhat contorted arrangement is simply that the issuing company cannot own its own annuity and neither can the claimant own the annuity. In some cases, this arrangement also avoids the payment of a premium tax. Presenting the choices of the appropriate annuity issuer is also a task for the structured settlement consultant. There are some underwriting advantages to this process, too. For claimants whose life expectancy is shortened by their injuries, annuity issuers often compete by promising larger benefits owing to the shortened life expectancy. That underwriting process is referred to as "age rating." Comparing and negotiating the age ratings among the various life insurers is imperative to achieve the largest stream of benefits in the structured settlement.
What about you as the claimant's attorney? Can you participate in these structured, future financial benefits by deferring and spreading out your fees? Yes, you can.
Structuring attorney fees. Recent federal tax legislation potentially threatened the future periodic payment of attorney fees, the arrangement by which attorneys elect to defer receipt of contingent fees. The structured fees are taxable only when received. Such arrangements achieve several valuable objectives for attorneys. Income may be deferred until retirement. Cash flow over future years can be structured to make a contingent-fee practice more predictable or to fund litigation expenses for future cases. Moreover, taxes may be deferred into future years.
Late in 2004, Congress passed a sweeping revision of the tax rules for deferred compensation: the American Jobs Creation Act of 2004, Pub. Law No. 108-357, 118 Stat. 1418. The revised tax rules would have put a stop to structured attorney fees until further guidance was published by the Treasury Department. That guidance could have made the rules difficult for attorneys to utilize, effectively ending the use of structured attorney fees.
However, in response to requests from several groups concerned about taxpayers who earn fees and commissions from several, rather than single, sources of income, the Treasury Department specifically removed contingent-fee attorneys from the group of taxpayers to be affected by the American Jobs Creation Act of 2004. The Treasury guidance, published December 20, 2004, removes attorneys from the new rules with the following interim guidance:
[The new law] does not apply to arrangements between a service provider [the attorney] and a service recipient [the client] if (a) the service provider is actively engaged in the trade of business of providing substantial services, other than (i) as an employee or (ii) as a director of a corporation; and (b) the service provider provides such services to two or more service recipients to which the service provider is not related and that are not related to one another. [Treasury Notice 2005-1, A-8, (Guidance Under
§ 409A of the Internal Revenue Code, Dec. 20, 2004)]
Thus, the "old rules" continue to apply to the deferred, structured payment of contingent attorney fees.
What are the "old rules?" First, the attorney must elect to defer his or her attorney fees prior to the date on which those fees are earned. In a contingent-fee case, fees are normally earned at the time that the client receives money in settlement.
Second, that election must be reflected in a writing. The writing can be an amendment to the original contingent-fee agreement, if that agreement does not already deal with structured attorney fees. The writing can also be included in the settlement agreement or release between the client and the defendant or its insurer.
Third, the writing should specify the timing and amount of each future payment to be received by the attorney. Thus, the attorney should make early contact with a structured-settlement professional to determine the stream of payments available and the insurance company providing that stream.
For those interested in reading about the technical tax issues related to structuring attorney fees, see Childs v. Commissioner, 103 T.C. 634 (1994), aff'd per curiam, 89 F.3d 856 (11th Cir. 1996). In that case, the Tax Court, which is a court of national jurisdiction in tax cases, agreed with the attorney-taxpayers, and the 11th Circuit af- firmed without an opinion. Since that time, no other cases have been published dealing with structured attorney fees, nor are we aware of any audits on the issue since that decision. The recent guidance by the Treasury Department under the American Jobs Creation Act offers more support for the deferral of contingent attorney fees.
As is true for clients, structured attorney fees are funded with an annuity purchased from one of the dozen-or-so life insurance companies that sell structured-settlement annuities. As a trade-off for all of the tax and financial benefits of the deferred-compensation arrangement for attorneys, the payments from those annuities cannot be accelerated, deferred, or pledged as security for loans. So planning from the outset for the timing and amount of each payment is important . . . just another reason for early contact with an experienced structured-settlement consultant.
Note that the above discussion and the Childs case apply to contingent fees earned in physical injury only as to that part of the settlement proceeds on which the claimant is not taxed. If you are settling discrimination or employment or other cases in which damages are taxable, other rules apply, and an experienced structured settlement professional can explain those rules to you.
Qualified Settlement Funds
What if the defendant insists on paying only a lump sum? What if you reached an agreement to settle, but your clients don't know how best to receive the settlement money and don't know yet whether they want a special-needs trust? What if the defendant is on shaky financial ground? The answer to all such issues may be the qualified settlement fund (QSF).
Why a QSF? The QSF concept was enacted in 1986 as section 468B of the Internal Revenue Code to enable large product-liability defendants to get a tax deduction for amounts paid to settle lawsuits before the claimants had agreed on how the amounts would be allocated among them, notwithstanding the violation in such cases of the aggregate settlement rules. In those cases, the defendants and claimants had agreed how much the defendants or their insurers would pay to settle the cases collectively so that a trial on liability was unnecessary. The defendants, however, under law at the time, could not get a tax deduction for amounts paid to a fund to settle in such cases because the amounts were not paid directly to claimants. QSFs now provide the defendants with a deduction in those circumstances.
The claimant benefit. The claimant obtains the defendant's money early and thereby avoids an insolvency risk. Claimant can make his or her own settlement agreement with the fund, which can include a structured settlement of the claimant's own design, and can enjoy financial counseling while the fund holds the money. Once the QSF is established, the defendant can pay its money to the QSF and be dismissed and released as if the cash settlement had been paid directly to the claimant without a fund. The claimant can then complete plans for use of the money.
How to establish a QSF. Treasury regulations require that the establishment of a fund be approved by a court or arbitrator or governmental entity (but not a mediator). Thus, a petition must be filed with a fund document and an Order for Signature by the court. The fund need not be a formal trust. In fact, the Treasury regulations permit something as minimal as segregation of the settlement money by the defendant into a separate checking account. In practice, however, trusts are normally used because the actions of a trustee are well regulated by the fiduciary rules of each state.
The regulations also require that the court retain jurisdiction over the fund. The extent to which such retained jurisdiction will be exercised will vary with each court. Some courts want to approve every disbursement. Others rely on the adverse interests of the claimants against the fund and require that complete agreement is reached by all claimants of the QSF before any disbursements are made.
Most, but not all, types of claims are eligible for a fund. Tort and contract claims are the most common, but workers' compensation, warranty, and certain other types of claims do not qualify.
Who should administer the QSF? If a trust form is used, a bank or other trust institution can administer the fund. Fees are always an issue with large institutional trustees, however. Thus, an individual may in some circumstances be a better choice to administer the fund. Such individuals should not include, however, the claimant's attorney or anyone else who could be characterized as an agent of the claimant because "constructive receipt" of the fund by such an imputed agent could be deemed to be effective receipt by the claimant.
Taxation and operation of the fund. The fund is taxed as a corporation and at the highest rate in the Internal Revenue Code, with no use of the lower brackets. Thus, investment of QSF funds in tax-free instruments is often financially advantageous. Funds should not be invested in a way that exposes QSF assets to unreasonable risk of loss and in a way that permits full liquidity at all times. Those factors usually result in a low yield in fund income. Thus, claimants have an incentive to complete their financial planning as early as possible to put the funds to work financially. Like other taxpayers, the QSF, through its administrator, will file state and federal income tax returns annually (Form 1120-SF federally) and will file information reports (Forms 1099) for any payments to attorneys. The Internal Revenue Service has issued guidance permitting the fund to enter into structured settlements in the same way that the defendant could do so, preserving all of the same tax benefits for the claimant (Rev. Proc. 93-34, 1993-2 Cum Bull. 470).
Termination of the fund. The funds normally terminate by their terms when the fund is depleted. Alternatively, for those courts taking an active role in QSF administration under their retained jurisdiction, final accountings can be filed with the court with an order discharging the fund and its administrator.
Some aspects of the QSF rules are currently under review and reconsideration by Treasury for further determination in 2005. If you have a contingent fee case that potentially merits a QSF, you should talk with an experienced structured settlement consultant about the new rules and about the various techniques and strategies discussed above.
William Taylor "Tay" Robinson IV is president of Strategic Settlements, a structured settlement firm based in northern Kentucky. He can be reached at email@example.com.


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Czech Order Management role in Bucharest ! Excellent Salary Pack and Benefits! E
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DK Global Recruitment is a multilingual recruitment agency, based in Dublin, Ireland. We specialize in finding European language-speaking jobs for job seekers in many European countries. With years of experience in the multilingual BPO sector, we have developed advanced skills that we use to help Companies relocate candidates globally, and assist candidates to relocate smoothly and find their desired employment.Requirements
• Fluency in English and Czech
• Computer literacy (MS Office, Internet, ticketing systems)
• Good communication skills (both written and verbal)
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• Rigorous and accurate working style
• Basic domain knowledge
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• Management of all incoming requests / orders
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The best master surfers of the world will compete in Punta Roca's perfect waves for the 2011 ISA World Masters Surfing Championship. Photo: Vaquero.
El Salvador ISA World Master Surfing Championship Punta Roca, La Libertad, El Salvador October 16 to 23, 2011
The 2011 ISA World Masters Surfing Championship will be held in the impressive waves of Punta Roca, in El Salvador's town of La Libertad, from October 16 to 23.
The best master surfers from all over the world will be competing as members of their National Surfing Team, for the honor to win the Gold Medal for their country. They will also be competing for individual gold, silver and bronze medals in the different age divisions.
ISA President Fernando Aguerre said, "It is great to have another ISA World Masters Surfing Championship in warm Central America. We will hold the tournament in the perfect waves of Punta Roca. The ISA Masters is a great event, where camaraderie and fair play allow the best over-35 year old surfers in the world to perform and enjoy spending time with their peers from around the world."
This will be a turning point for surfing in the country, as it will be the first time in history that El Salvador hosts a World Championship of surfing.
El Salvador Minister of Tourism, José Napoleón Duarte Durán, commented regarding the upcoming event, "I am pleased that El Salvador was chosen to host the ISA World Masters Surfing Championship. This event will help make El Salvador an even more attractive surf tourism destination. Our wave-rich coast includes the great surf spots of El Sunzal, Punta Mango, Las Flores and the epic Punta Roca, where the event will take place."
The Minister of Tourism continued, "El Salvador is getting ready to welcome the best surfers in the world from over 30 countries to a surfing tournament that will reach more than 240 million television viewers worldwide. With the coverage of respected sports channels such as ESPN, Sports News and CBS Sports, among others, the ISA World Masters will deliver a global promotion for our Nation."
El Salvador offers surfers a 300-mile coastline packed with perfect waves. It is a dependable surfing destination with consistent swells all year long.
Carlos Ortiz, representative of Gray Line El Salvador, Avitours DMC and Olas Permanentes, companies in charge of organizing the event, said, "Ever since we started working with the government to promote surfing five years ago, we have had the goal of organizing a World Championship. We are happy that we have finally accomplished this goal."
Regarding the famous wave of Punta Roca, Ortiz added: "It is an epic point break that has attracted locals and foreigners for over 40 years. If you're lucky to surf it in the 7 to 10 foot range, I can guarantee that it is going to be one of the best sessions of your life. The 2011 ISA WMSC will see a lot of friendship and unity in one of the top surfing spots in the world."
It is most likely that perfect waves will show up at the 2011 ISA World Masters Surfing Championship. In order to ensure favorable conditions, the ISA hired surfing forecast guru, Sean Collins of Surfline.com, who studied the swell, weather and wind patterns at Punta Roca in October for the last five years, concluding that the period with most consistent waves was 16 to 23.
Located at the coastal town of La Libertad, Punta Roca is considered by many as one of the best waves in the world. With the ideal swell, waves can reach up to 12-to-15 feet, extending for over 500 yards. Often called the "Jeffrey's Bay of Central America," it is a perfect right point-break.
About the International Surfing Association
The International Surfing Association (ISA) is recognized by the International Olympic Committee as the World Governing Authority for Surfing. It was originally founded as the International Surfing Federation in 1964 and has been running Open Division World Championships since 1964, Junior World Championships since 1980, and Masters World Championships since 2007. The ISA will hold the first Stand Up Paddle (SUP) World Championship and the first World Bodyboard Championship in 2011.
ISA membership includes the surfing National Governing Bodies of 65 countries on five continents. Its headquarters are located in San Diego, California. It is presided over by Fernando Aguerre (Argentina), first elected President in 1994 in Rio de Janeiro and re-elected seven times since. The ISA's three Vice-Presidents are Alan Atkins (Australia), Mike Gerard (USA) and Karín Sierralta (Peru).


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SUFFERN, N.Y. (WABC) --The off-duty New York City police officer who drove the wrong way on the New York State Thruway in Suffern Tuesday morning, killing himself and another driver, was on his way to work, police confirm.
According to the New York City Police Department, 32-year-old Richard Christopher was supposed to go to the shooting range that day. The NYPD does not believe alcohol was involved because he was on his way to work.
Police are investigating the possibility that medication was involved or that Christopher was simply not paying attention. The NYPD said the officer realized very quickly he made a wrong move and tried to correct himself by pulling over.
The New York State Police Department is seeking any witnesses to the crash. One witness reported seeing a similar vehicle parked facing southbound in the median of the thruway shortly before police were notified of a wrong-way driver.
Other witnesses reported seeing a vehicle similar to Christopher's making a u-turn on the northbound side of the thruway near the Interstate 287 overpass, about a half mile from the crash scene, according to state police.
Around 7 a.m., the pick-up truck driven southbound by Christopher apparently entered the highway going in the wrong direction and slammed into another vehicle just south of exit 15. Christopher, of Suffern, worked at the 43rd Precinct in the Bronx.
Christopher drove his 2002 Dodge Dakota head-on into a 2003 Honda CRV driven by James B. Devito, 59, of Airmont, N.Y. Both drivers were pronounced dead at the scene.
Police said there were no passengers in either vehicle.
The Thruway was closed for at least two hours. Traffic was diverted off the roadway at Airmont Road and was backed up for miles.
The investigation is ongoing. "We believe that area of the Thruway is clearly marked," Thruway Authority executive director Thomas Madison said at a news conference later Tuesday. Still, he added, "the wrong-way aspect of this accident is something we take very seriously."
At their home in West Nyack, the officer's father and stepmother struggled to understand why he was going the wrong way on the interstate.
"They are investigating, that's what they told me, and they won't tell me any more. He lived on Airmont Road," said Richard Christopher Sr.
"He went to Fort Benning, Georgia, where he trained to become infantry. Then he came home for a week, then he went out to Scofield, Hawaii, where he served for infantry," said stepmother Joan Christopher. "He was there for five years. Then he went to Bosnia for one year, then he went to Iraq and Afghanistan."
When Christopher came back from Iraq, he fulfilled his dream of becoming an NYPD officer, attending the police academy and graduating in 2006.
His father says he was on his way to the 43rd precinct when the accident happened.
It is the latest in a series of wrong-way crashes over the last year and a half, something the Thruway Authority is studying very closely. "The Thruway Authority, working closely with the New York State Police, have instituted four Doppler radar-activated wrong way signs in the areas where the most wrong-way incidents have occurred along our system," said Madison.
The other driver killed in the accident, Devito, was a widower who lost his wife to cancer a year ago.
"It's very sad, he was obviously in the wrong place at the wrong time," said Devito's neighbor, Bonnie Stark.


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LISBON, Portugal (AP) — Portugal has passed the latest test of its compliance with the terms of its €78 billion ($100 billion) bailout, meaning it qualifies to get the next installment of its rescue loans.
Finance Minister Vitor Gaspar said Monday that creditors endorsed Portugal's progress on spending cuts and economic reforms.
Eurozone authorities are keen for Portugal's recovery program to stay on track and avoid creating another trouble spot in the bloc's protracted debt crisis.
But the government is under heavy pressure from opposition parties, trade unions and business leaders to change course amid signs that austerity is choking the economy.
The government predicts economic contraction of 1 percent in 2013 for a third straight year of recession. The jobless rate, currently at 15.7 percent, is seen climbing to a record 16.4 percent.


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The Asia-Pacific Institute for Broadcasting Development (AIBD) has been providing training to its members since its establishment in 1977.
These activities were "demand-driven" responding to needs identified by the members. As a consequence, the Institute emerged as the lead provider of broadcasting training in the region. Its relevance and success is manifested by the fact that more than 35,000 personnel from countries within the Asia-Pacific region and other regions have been beneficiaries of the AIBD's training programme, several of whom now occupy senior managerial positions in the broadcasting industry.
The AIBD offers its members and affiliates training programmes in three categories namely Regional, Sub-Regional and In-Country.
Regional activities like seminars and conferences with common interests are offered to all members and affiliates.
Sub-Regional activities are geared towards a particular sub-region like ASEAN, SAARC, Pacific etc which has special needs based on culture, tradition, development etc.
In-Country activities are targeted towards a particular country or organisation based on their request and needs. These are typically skills based training and consultancies.
The training programmes provided by AIBD cover a wide variety of specialised fields from production to management of radio and television operations, news and current affairs, engineering and digital transmission, public service broadcasting, instructional design & multimedia skills, technology & new media, creative content for programming, children and youth, co-productions and archiving and virtual libraries to name a few.
The AIBD offers to its members and affiliates consultancy services in all areas related to media development. This includes new media law, regulatory issues, new management structure, transition to digital broadcasting, digitizing audio-video archives, master plan for HRD etc.


text:
German and Russian: German
GERM 497 Literary Research (.5)
Students will meet with a professor in the German program for seven seminar meetings and discuss a theme or an author within the area of German literature. The emphasis will be on the relationship between literature and society. Students are expected to write a 15-page research paper which will be presented to a larger audience at the end of the semester.
- Offering: Spring
- Instructor: Zheng


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How to Use
Questions for Document 1
1. What diseases did Jack Kennedy have before he was 11 years old?
2. How would you describe JFK's health as a child?
3. Did your parents keep a file or a "baby book" for you? How does that book compare with the card kept for Jack Kennedy?* The document on the screen has a resolution of 72 dots per inch (dpi), and therefore will print poorly. You can obtain a high quality version of this document, but be aware that the file will take as much as two minutes to a load with a 28.8K modem.


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It's Friday…still not sure how it got here so quickly. But I guess it was a 4 day week. We survived our first week of Tyler being in preschool. It's extremely strange to come home to a quiet house after having littles with me 24- 7 for the past 7 years. Although, that will all change in January when we are inundated with burp clothes, tiny newborn diapers, monitors, nursing covers and the like. And…
We found out a few weeks ago that we are having ANOTHER BOY!
While yes, I did share this on the $5 Dinners Facebook page, I just realized I hadn't shared it here, my apologies!
Bring on the testosterone!
We are thrilled to be welcoming another little man into our home…all the more rough and tumble. And Legos. And trains.
Speaking of boys, this is what I came home to on Thursday night, after being in Dallas for the day…
I walked into the house and heard my mom and all 3 boys howling with laughter in their bedroom. I wandered up, slightly fearful of what I might find them doing. The boys discovered that they could hang their underwear on the blades of the ceiling fan (which the older two can reach easily from the top bunk, but of course know not to touch when it's moving), then when they turned it on, they'd go flying all over the room. Charlie kept saying it was raining underwear. There was but only one thing I could do…join in the laughter!
So this is the last day for the daily giveaways of my One Dish Dinners Cookbook…this week! We've got a couple more days next week, so stay tuned!
The One Dish Dinners cookbook is for every busy home chef, moms and dads alike, who are struggling to come up with creative dinner ideas that won't cost an arm and a leg, AND that won't leave a ginormous mess in the sink!
With this cookbook, you'll have more variety on the dinner table, meals that please your family, more money in your pocketbook, less time in the kitchen and way less mess to deal with at the end of the day!
I'll be giving away 10 copies each day this week, but they are only "live" for 24 hours. You can enter up to 5 times on each giveaway. Please leave separate comments for your separate entries!
1. Contests will start and end at 5 pm EST each day this week.
- Entry #1: Leave a comment sharing your favorite way to save time or money in the kitchen!
- Entry #2: Pin one of your favorite $5 Dinners or One Dish Dinners recipes to Pinterest.
- Entry #3: Tweet the following: I really, really, really want to win a @onedishdinners Cookbook from @5dollardinners!!! http://bit.ly/ODDCookbook
- Entry #4: Hang out with us on Facebook, join the free email newsletter, or get RSS updates.
- Entry #5: Share this giveaway on Facebook or with your friends on email, by clicking the little buttons above or below!
- Please leave separate comments for each entry.
2. Winner will be selected by Random.org. Winners will be announced back here on this post, and notified via email with further instructions.
Good luck!!!


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Collateralized debt obligation (CDO)
|This article is part of WikiProject Definitions. Consider editing to improve it. View articles referencing this definition.
A Collateralized Debt Obligation, or CDO, is a synthetic investment created by bundling a pool of similar loans into a single investment that can be bought or sold. An investor that buys a CDO owns a right to a part of this pool's interest income and principal.
For example, a bank might pool together 5,000 different mortgages into a CDO. An investor who purchases the CDO would be paid the interest owed by the 5,000 borrowers whose mortgages made up the CDO, but runs the risk that some borrowers don't pay back their loans. The interest rate is a function of the expected likelihood that the borrowers whose loans make up the CDO will default on their payments - determined by the credit rating of the borrowers and the seniority of their loans.
CDOs are created and sold by most major banks (e.g. Goldman Sachs, Bank of America) over the counter, i.e. they are not traded on an exchange but have to be bought directly from the bank. Securities Industry and Financial Markets Association estimates that US$ 503 billion worth of CDOs were issued in 2007.[1]
CDOs played a prominent role in the U.S. subprime crisis, where critics say CDOs hid the underlying risk in mortgage investments because the ratings on CDO debt were based on misleading or incorrect information about the creditworthiness of the borrowers.
The first CDO was issued in 1987 by bankers at now-defunct Drexel Burnham Lambert Inc. for Imperial Savings Association. A decade later, CDOs emerged as the fastest growing sector of the asset-backed synthetic securities market. This growth may reflect the increasing appeal of CDOs for a growing number of asset managers and investors, which now include insurance companies, mutual fund companies, unit trusts, investment trusts, commercial banks, investment banks, pension fund managers, private banking organizations, other CDOs and structured investment vehicles. It may also reflect the greater profit margins that CDOs provide their manufacturers.
A major factor in the growth of CDOs was the 2001 introduction by David X. Li of Gaussian copula models, which allowed for the rapid pricing of CDOs.
According to the Securities Industry and Financial Markets Association, aggregate global CDO issuance totaled US$ 157 billion in 2004, US$ 272 billion in 2005, US$ 552 billion in 2006 and US$ 486 billion in 2007. Research firm Celent estimates the size of the CDO global market to close to $2 trillion by the end of 2006.
Bundling debt into a CDO changes the riskiness of investing in debt in two ways:
First, CDOs reduce the effect of statistical outliers. Lending someone money to buy a house is risky, because that person either defaults or they don't - even if there's only a one in 5,000 chance of someone defaulting on their mortgage, if you happened to be the lender for the person who defaults, you're out of luck. CDOs turn individual loans into a portfolio in which a default by any single lender is unlikely to have an enormous impact on the portfolio as a whole. By aggregating many different mortgages together into a CDO, investors can own a small percentage of many different mortgages, and therefore the CDO's losses as a result of borrowers defaulting on their obligations usually represent the statistical averages in the market as a whole
Second, CDOs are created in tranches - portions of the underlying debt that vary in their riskiness, despite being backed by a generic pool of bonds or loans.
Typically, a pool of debt is divided into three tranches, each of which is a separate CDO. Each tranche will have different maturity, interest rates and default risk. This allows the CDO creator to sell to multiple investors with different degrees of risk preference.
The bottom tranche will pay the highest interest rate, but will be the first to lose money if some of the loans in the pool aren't repaid. The top tranche will have the lowest interest rate, but will always be the first to be repaid - the bottom two tranches have to be wiped out before the top tranche is affected. This allows bankers to create investments with risk / reward profiles that are very different from the underlying debt in the pool. So, one pool of mortgages can be divided into three CDOs, one with an "AAA" debt rating that pays low interest, one with an intermediate debt rating with moderate interest, and one with a low debt rating with high interest. This is important because some asset manager is only allowed to invest in "AAA"-rated debt - dividing a pool of debt that is not AAA rated into three different CDO tranches means at least some portion of that debt is now AAA-rated and can be purchased by institutions that can only invest in AAA debt.
For example, assume a bond pool of $100 million divided into three tranches and expected to earn 15% or $15 million in interest pa. The three tranches are A ($25 million), B ($50 million) and C ($25 million); and, A is senior to B and B is senior to C. A, B and C tranches provide 10%, 15% and 20% interest rates, respectively. If none of the bonds defaults, A receives $2.5 million, B $7.5 million, and C $5 million. But, say there is a default and the interest income shrinks to $11 million. As A and B are senior to C, they will be settled first. So, tranche A and B receive full interest of $2.5 million and $7.5 million, whereas tranche C receives $1 million only.
According to data from Securities Industry and Financial Markets Association global CDO issuance increased from $157 billion in 2004, to $503 billion in 2007.[3] The total outstanding CDO is estimated to be over $2 trillion.[4]
CDOs are structured by investment banks and are bought by all types of asset managers, including hedge funds, insurance companies, banks and pension funds. CDOs can also be purchased through most retail brokerage accounts.
For an example of CDO prospectus look at Triaxx Prime CDO 2006-1.
Collateralized mortgage obligations (CMOs) and collateralized bond obligations (CBOs) are examples of CDOs in which the loans that make up the pool of debt in the CDO are mortgages and bonds, respectively. A PreTSL (acronym for Preferred Term Securitites Ltd) is a CDO in which the debt that makes up the pool is issued by smaller banks, real estate investment trusts, and insurance companies.
The term synthetic applies to a CDO in which the underlying assets are credit default swaps (CDS) rather than debt instruments like bonds or loan.
Credit default swaps are insurance on debt. The buyer of the insurance pays a certain amount to the seller in exchange for protection from default. In effect, these securities behave very similarly to the underlying debt, but are easier to buy and sell. ...
CDO Squared, Cubed, etc refers to a security that is constructed from pools of CDOs rather than a pool of debt instruments such as loan or bond. Essentially, this is a CDO of CDOs.


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Make sure you read my Welcome page [http://welcome.frank4cars.fotki.com/] for all of the relevant legal information about using these images.Thanks for all the compliments on the pics and thanks for asking where to donate. You can safely and securely donate through PayPal.com to email@example.com, or if you see a pic you'd like a print or poster of, just click to enlarge it and a menu will appear to the right with sizes and prices. I get a cut of sales and you get a top-quality frameable photo print.Weird weather today. Alternating dense fog and clear skies. Didn't effect the turnout any, fortunately. The main lot was full by 6:30 and the side lots were jammed by the 8. Amazing. Too many great cars to list all of them. Just wanted to mention the Panoz Esperante GTLM, GG Quad, Suzuki SX4 concept, Skyline, Carrera GTS 904 mule, Periscope Countach and Miura as highlights for me today. And that 40th Murci WAS owned by a Miami Dolphins afficianado, explaining the orange interior highlights but not the police siren. Very nice though.
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MONTERREY, Mexico --The LA Galaxy have arrived in Monterrey, Mexico ahead of their CONCACAF Champions League Semifinal second leg against C.F. Monterrey on Wednesday.
As you can expect -- and as evidenced by the tweet below -- there were several members of the Mexican media who were waiting for the club upon their landing eager to speak to Galaxy attacker Landon Donovan.
The media crush to see @landondonovan as the @lagalaxy arrive in #Monterrey . #CCL twitter.com/LAGalaxyInside…— Adam Serrano (@LAGalaxyInsider) April 9, 2013
Once the Galaxy settled in their hotel, however, the team was able to enjoy the NCAA Men's Basketball National Championship as Greg Cochrane and Kenney Walker's Louisville Cardinals triumphed over Kofi Opare's Michigan Wolverines. A few select tweets from the viewing party are below.
Halftime analyst @kofiopare6 #BigTime!!! twitter.com/Rafizzy07/stat…— Rafael Garcia(@Rafizzy07) April 9, 2013
Hey @kofiopare6.. Who won the national title game? I missed it.— Greg Cochrane (@gregcoch) April 9, 2013
despite the loss, it's still great to be a michigan wolverine..congratulations on a great season @umichbball#goblue— Kofi Opare (@kofiopare6) April 9, 2013
National champs lets go!!!— Greg Cochrane (@gregcoch) April 9, 2013


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A couple of weeks a go I got a call from the beautiful and talented Christina Esteban regarding a photo shoot for the "Lunch Box " Restaurant that soon will be opening in Concordia University. Not only was I scheduled to do makeup for the boys and girls but I was also asked if I wanted to be one of the models. "Hhhhhmmmm!!!! Think! Think! This could be fun!?" so I excepted the challenge.
I always love working with Christina! She's a breath of fresh air! Check out her site: http://www.christinaestebanphotography.com/
Till next time,
Sylva K


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Goldie Faye McKinley, 79, a homemaker of Thomasville died Saturday, Sept. 21, 2013 at her daughter's home in Silverhill. She was born April 12, 1934 in Decatur and was a member of the Thomasville Church of God.
She is survived by her husband, James M. McKinley of Thomasville; six daughters, Judy Honea of Theodore, Shelia (Jeff) Spurlin of St. Augustine, Fla., Kathy (Ron) Bankston of Silverhill, Janet (Rudy) Mora of Dothan, Liz (Glenn) Farner of West Salem, Ohio and Felicia Richardson of Mobile; stepson, James A. McKinley of Mobile; 18 grandchildren and 13 great grandchildren.
She was preceded in death by her son, Lawrence M. James, Jr.
Funeral services were Tuesday, Sept. 24 at Thomasville Church of God with Rev. Troy West, Rev. Raymond Williams and Rev. Josh Gill officiating. Interment followed in the Evergreen Memorial Gardens in Thomasville with O'Bryant Chapel Funeral Home in Thomasville directing.
Active pallbearers were Hank Spurlin, Lucas Spurlin, John Luke Spurlin, Jimi Honea, Shawn Mural and Beau Bonds. Honorary pallbearers were James McKinley, Jr., Josh McKinley and J. D. Stronko.
Condolences may be offered at www.obryantchapelfh.com.


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