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Marketplace - American Public Media
Weekend Brunch: 'Too big to fail'
This week, Lizzie O'Leary sits down for brunch with New York Magazine contributing editor Jessica Pressler and Business Insider's Executive Editor Joe Weisenthal to discuss the economic news of last week and what's on their plate this week (get it?).
Politico: Bank of America to pay nearly $17 billion in mortgage pact
Why medical debt is different from other debt
People with lots of unpaid medical bills could be getting a break on their credit scores.
Fair Isaac Corp., otherwise known as "FICO", says it is changing its calculations to ease the impact of medical debt that's gone to collection.
So what is it about medical debt that makes it different from all other kinds of debt?
"When you go to the Gap to buy jeans, you ultimately know at the time of purchase exactly what the cost of that is going to be," says Ken Brevoort, senior economist with the Consumer Financial Protection Bureau. When you pay for your "1969 ultimate panel cuffed always skinny jean," you are the only person paying the bill.
When you go to the doctor – usually – it's you and your insurance company.
"When you have the insurance involved, you don't necessarily know what's going to be your portion and what's going to be the insurance's portion," says Brevoort.
Here's the thing: paying medical bills is so complicated sometimes the consumer doesn't even know when they still owe money. FICO senior consumer credit specialist Anthony Sprauve says ignorance isn't a good reason to give someone a lower FICO score.
"We recognize that it's not an indicator of a person struggling in most cases when it's happening by itself," he says.
The federal government estimates about 7 percent of consumers have unpaid medical bills that have gone to collection agencies. Those consumers could see a 25 point or better score under FICO's changes, says Sprauve.
"They are going to have access to more credit and they are going to be able to get credit as a lower price," he says.
That's the good news. The bad news is more and more consumers must wade into the byzantine world of healthcare billing.
Which means if you want to make sure you're up to date on your bills, it's still on you.
Here's a... uh... final note for... uh... today
Here's a pet peeve about how I sound on the radio: When I listen back to myself in interviews, I'm struck by how often I say "uhhh" as I'm putting together a question. I think it makes me sound stupid, but it's how I talk, so I roll with it.
Turns out I'm completely normal.
A post at the Atlantic quotes a linguist at the University of Pennsylvania, who says men use "uh" more and more as they get older.
Women tend to say"um," but that decreases with age.
Big banks fail their financial checkup
The biggest banks in the U.S. were made to write living wills, so that in the event of another crisis, like the one in 2008, the economy wouldn't go down with them.
But this week, they basically flunked their checkups with federal regulators.
"Banks weren't expecting this kind of pushback, they've been submitting these living wills for the last several years, like three years in a row, starting in 2012, and they kept on falling short," says Paddy Hirsch, Marketplace editor and host of The Whiteboard. "But nobody's really pushed back on them. This time, the regulators pushed back really hard. And it's taken the banks a little bit by surprise."
And if banks don't cooperate, banks could face additional regulations.
"I think it's in the back of everybody's minds that [the 2008 crisis] is a possibility. And what the regulators are trying to do, is get to a place where it's as remote a possibility as possible. And for the most part, the people who are running the banks absolutely don't want to be in a position where they are a bank that's 'too big to fail.'"
So, what happens next?
"What they might actually do is start changing their legal structures to make them less complex," Hirsch says. Financial derivatives contracts and other structures could be simplified to comply with new and additional regulations.
Your Wallet: 1 in 3 Americans have debt in collections
According to a study from the Urban Institute, an estimated 1 in 3 adults, or around 77 million people, are so far behind on their debt that their account has been placed in collections.
"Being indebted is like being in shackles, or like wearing one of those cartoon ball and chains. And that can be not just a financial obligation, but an emotional or intellectual obligation as well, because it's hanging over you," consumer columnist David Lazarus say. "It's coloring virtually every decision you're making in life."
And it also takes a toll on your credit score, too. That could make an impact down the line. "If your credit score takes a hammering. Any future borrowing you're doing is going to be at a much higher interest, if you can get the loan. More over, if you get a black mark on your credit score, it can take about 7 years to get that off."
But, as David Lazarus notes, the worst thing you can do is ignore the calls. Instead, be aggressive, and "a key thing to remember for consumers is you have rights," Lazarus says. Debt collectors can't harass or abuse you, they can't call you early in the morning or late at night, and they can't threaten to imprison you.
Credit.com: Top 10 Debt Collection Rights
You should also keep in mind that past due debt carries a statute of limitations, depending on your state. "It doesn't mean the debt goes away," Lazarus says, "they can still keep trying to collect, but they can't take you to court. They can't sue you"
Fixing the fix: Price-setting precious metals in London
Next week, the London-based system for setting the price of silver – which is more than a century old – will be scrapped in favor of a new electronic, auction-based method.
The move has raised another big question mark over the future of an even more important price-setting mechanism: the so-called "gold fix." Since 1919, the value of the yellow metal has been set daily in London, but after a series of benchmark rigging scandals, the gold fix is looking more than a little tarnished.
The name doesn't help. These days, the word "fix" hardly inspires confidence in the integrity of the system – especially since banks are involved .
"People don't trust banks," says Brian Lucey, Professor of Finance at Trinity College Dublin. "The fix is not a transparent process, and therefore it inevitably gives rise to conspiracy theories and concern."
Four banks – including Barclays and HSBC – get together on the phone twice a day to deal in gold bullion. The price they strike becomes the latest "fix" or global benchmark for the yellow metal. Details of the conversation between the four banks are not immediately made public, and that provides scope for rigging.
Alberto Thomas of market consulting firm Fideres Partners testified before a parliamentary committee this summer and warned of the danger of abuse: "Effectively you've got a massive potential for insider trading in that market, and market manipulation... It doesn't mean it happens every day, but the opportunity is there. Our analysis shows that between 2010 and 2013, up to 30 percent of the fixes showed signs of rigging."
Adrian Ash of BullionVault.com, an online gold and silver exchange, is not convinced there has been such widespread abuse. But he concedes there has been at least one case of gold fix manipulation.
"Barclays Bank were recently fined 26 million pounds for a trader at a separate, precious metals desk at their bank, who put in a false order at the fix to try to push the price a little bit lower," says Ash. "The trader stood to get a bigger bonus if the gold price fell below a certain level."
This is not the biggest banking scandal to hit London - the rigging of the LIBOR interest rate benchmark was far more serious, since it was used as the basis for trillions of dollars worth of financial transactions.
But Ash worries that the doubts swirling about the London gold fix could be harmful: "I think there is a danger of the reputation of the London bullion market being damaged by the current fuss around the fix," he says .
Without greater transparency and independent oversight, the fix could wither, and London could lose more business to the burgeoning gold market in Shanghai.
When the silver fix is reformed next week, gold may not be far behind.
In online dating, one company is the big matchmaker
Alex Soma was out in the real world the other week, looking for a match at a rooftop drinks event sponsored by a couple of online dating sites.
"I think I'm pretty terrible at online dating," Soma says, standing near the bar. "I just don't get it. I think I'm better in front of a person." So far, he just uses the site OkCupid.
Others there, like Christina Luzzi, sound like they're becoming veterans. She says she's tried Tinder, Match and OkCupid. PlentyOfFish was "awful."
"What am I on now? I'm on eHarmony I think?"
While all those sites sound like separate competitors, a good number are part of just one company: IAC/InterActiveCorp.
In recent years, IAC has swallowed up the old stalwart, Match.com, the irreverent, young OkCupid, the fast-swiping Tinder app, and, just recently, an upstart called HowAboutWe. It owns niche sites like BlackPeopleMeet, and OurTime for the 50+ set. And it's investing in an expensive new matchmaking service.
"What IAC is doing is incredibly smart," said Amy Webb, author of "Data, A Love Story". She said IAC is operating kind of like Gap Inc., which owns the brands Old Navy and Banana Republic.
"At the end of the day, they're all clothing, but they offer different kinds of clothing to different lifestyles, different kinds of buyers," she said.
Experts used to think the future of online dating was in small niche sites, matching farmers or people who don't eat gluten, or maybe gluten-free farmers.
But the big sites are winning for a simple reason.
"It's like a shop," said Mark Brooks, an industry consultant. "And you've really got to stock the shelves. You can't make do with a few hundred people. You need to have thousands of active people on a dating site."
Each of these mainstream sites has carved out its own image, partly by word of mouth.
"The reality is that people feel at home when they go to a dating site that has people on it that look like what they think they want," Brooks said.
That's how Erica Berger of Brooklyn ended up on OkCupid.
"I joined OkCupid back in November 2009, after I moved to Brooklyn from Los Angeles," she says. "I was referred to it by a close friend from high school who I trusted."
Her first online date was a butternut squash tasting.
These kinds of referrals lead to some self-segregation. OkCupid is full of people like Berger, who is 27, lives in a big city, works in media, and is not in a rush for a relationship.
She's also used IAC-owned apps like Tinder, popular for quick dates, and HowAboutWe, which is focused on specific date ideas. But she hasn't used Match, whose users tend to be older, and more interested in marriage.
This is why IAC doesn't just combine all the sites into one.
Sam Yagan, CEO of the Match Group, the IAC unit that controls its dating properties, says dating is "such an intimate and personal search process, that people care a lot about the emotional affiliation they have with the brand that they choose."
The strategy has led IAC to control more than a quarter of the $2.2 billion online dating market in the U.S., according to IBISWorld. That's twice the next biggest competitor, eHarmony.
Match Group runs all the services separately. Occasionally, the teams will talk about features that worked well. But you don't see OkCupid staffers talking much with those from Match.com.
Having the sites under one roof, however, does provide opportunities for cross-promotion. "It's not like you turn 35 and we all of a sudden take your profile from OkCupid and put it on Match," Yagan joked. "You might start seeing Match ads on OkCupid."
Then there's the question of the business model: "If the goal of the dating site is to get you offline and into the real world with your life partner, they probably wouldn't offer a subscription service," Webb said.
Yagan has an answer that's less conspiratorial, but perhaps more depressing: "The average adult has over 10 relationships before they get married," he said. "And, by the way, half of all marriages end in divorce. So, if you just do the math there's a 90+ percent chance that the relationship you're in when you leave Match, OkCupid [or] Tinder is not going to be your terminal relationship."
My money story: Actor and musician Alicia Witt
Every week we have someone tell us their story about money. This week, actor and musician Alicia Witt talks about the day she tried to teach her father a lesson.
"My parents were both teachers, my dad made about $35,000 a year and we didn't have a car until I was think 11," says Witt. "Money was always something that we had to be careful of."
But, Witt's father wasn't too careful. "I couldn't believe that my dad kept all his cash in his back pocket of his pants. He never had a wallet ... I would go into my dad's bedroom and find his pants, where had thrown them on the floor, or changed into another pair of pants, and I would just remove the cash from the back pocket and hide it."
She did this until she had collected hundreds of dollars.
"I wanted to show him that he wasn't keeping track of how much cash he had on him at any given time."
It worked. One day, she found her parents sitting in the kitchen, worried. They had figured out that a large amount of money was missing, but didn't know what had happened.
Witt sprung into action. "I went into my room and took out handfuls of money and just started walking through the kitchen fanning myself with the cash."
Did this trick convince Witt's father to change the way he handles his cash?
"He still carries it in his back pocket," says Witt.
Who has better online privacy? The U.S. or EU?
There's a lot of debate over whether United States or European Union online privacy protections are better. They certainly take different approaches.
To that point, we have the tale of two online privacy activists: Parker Higgins in San Francisco, and Xander Bouwman from the Netherlands. Higgins is 26. Bouwman is 21.
Higgins works for the Electronic Frontier Foundation. Bouwman is an information sciences student and volunteer activist.
In theory, the EU has it better: Privacy law across the Atlantic actually guarantees protection of personal data, and new digital privacy legislation being considered by the European Parliament would strengthen those guarantees.
How does that affect the average person? If Bouwman did a Google search, Google would have to tell him before it shared his tracking information outside the EU.
Bouwman likes that: "I would want to know if Google is behind a page, and using analytics to make a profile of me," he says.
The differences continue. When Bouwman logs onto Facebook, he has the right to access all the data Facebook has on him. That is something Higgins doesn't have.
"We're bound by a website's privacy policy," he says. "And everyone who's seen one of those knows how ridiculous they can be. And they can change at any time."
Europe isn't perfect. It would be almost impossible for Bouwman to get all of his Facebook data, because enforcement in Europe hasn't been strong. It's left up to privacy regulators who don't have much power.
As Higgins contends: "The laws are important here, and it's great that this is happening in Europe. And I'm jealous of it in the U.S. But at the same time, if it's about enforcement, you know, these companies can collect sort of whatever they want."
"Yeah, Parker I can only agree with you here, " says Bouwman.
The lawyer's point of view
Now, Higgins and Bouwman aren't lawyers. So I'm going to bring a law professor into the conversation.
David Sorkin teaches information technology and privacy and consumer law at the John Marshall Law School in Chicago.
He says in the U.S., we enforce our digital privacy rights, albeit privately.
"That is, the right to sue," he explains. "And sometimes, that would have to be in the form of a class action. Whereas in the EU it's mostly data protection commissioners, regulators, who impose the rules and enforce them."
The data protection legislation the EU Parliament is considering would give privacy regulators a lot more enforcement power.
U.S. tech lobbyists and government officials say the EU legislation is too rigid, and the U.S. system is more nimble with its many different privacy laws, covering everything from health data to video rental records.
"There's a huge gulf across the Atlantic which is taking many years to resolve and I think is many years off yet," says Simon Davies, founder of Privacy International.
But our 20-somethings don't want to wait that long. So Bouwman says his generation is taking things into their own hands.
"I held a CryptoParty in Amsterdam a few months ago," he says. (A CryptoParty is a chance for privacy nerds to get together and swap tips for evading online profiling and tracking.) "It might sound really wild because it's called a party but usually we host these at public libraries."
Higgins says it's not just a European thing. He holds CryptoParties, too.
Higgins and Bouwman say, if they CryptoParty hard enough, they can stitch together their own privacy blanket. They hope eventually, pokey lawmakers and government officials will catch up.
ISIS gains control of key infrastructure in Iraq
ISIS militants in Iraq have managed to gain control of a key piece of infrastructure in the country, the Mosul Dam. It's not the first time the group has taken over a supply of water, electricity, or oil.
It's likely they will attempt to extort Iraqis in the area, who rely on the dam for water and power. ISIS has shown a "great ability to be self-supporting and self-financing and a great ability to carry out extortion schemes," says Tim Arango, the Baghdad Bureau Chief for the New York Times.
The worry is that ISIS could open the Mosul Dam and flood the area, as they did with the Fallujah Dam earlier this year. Arango says it will probably be difficult to retake the dam, since the structure itself is very fragile. It's unclear if ISIS has the "capability to maintain it."
"A very small crack in that dam could just start the water flowing."
Listen to the full conversation in the audio player above.
Money can buy you happiness... sort of
What if the key to happiness lay in numbers?
Or more specifically, economics. On its face, that seems fairly nuts. Our joyous memories are generally about people or feelings: a night of dancing with abandon, a hug from a child, the certainty of helping another person.
The search for happiness has bedeviled generations of lovers, writers; even the founders of our country of course who took only a swipe at its pursuit – not attainment – in our Declaration of Independence.
And yet, we buy, inserting money into this equation.
For the essentials: shelter, food, security for our families.
The more frivolous things. To fill a need, perhaps? The post-breakup pair of shoes. The clichéd mid-life crisis sports car.
I've been reading some economic research on happiness that my friend Jim Tankersley turned me on to. Richard Easterlin, a professor at the University of Southern California, examined research on money, psychology, and contentment.
Back in the 1960s, a social psychologist named Hadley Cantril asked people what they would need "for their lives to be completely happy," Easterlin writes. And pretty much everywhere, no matter their circumstances or culture, people ranked their level of living first, then the desire for a happy family life.
Easterlin goes on to cite studies showing that married people tend, on average, to be happier than single ones (debate away, as needed).
And then comes the part that really intrigues me: our measure of happiness isn't fixed. It depends on our neighbor's.
So while research showed that people with a higher income tend to report being happier, that didn't hold up over a whole life.
"Indeed, if happiness and income are compared at any point in time," Easterlin writes, "those with more income are, on average, happier than those with less. But what happens to happiness as income goes up over the life cycle – does happiness go up too? The answer is no; on average, there is no change.
So what's going on? Well, we're doing everything our mothers told us not to, and comparing ourselves to our other people. No matter how well we do, if it's not better than everyone around us, we don't feel like we're attaining something, because our internal norms are changing. And p.s., Easterlin says it makes us kinda Grinchy: "The subversive effect of rising internal norms also explains why people think that over the life course more money will make them happier, when, in fact, it doesn't."
So what to do?
Awhile back, I interviewed a psychologist, Ryan Howell, about this paradox.
Here's the trick: spend on experiences, not things.
There is a reason that mental snapshot of your last vacation brings you so much joy. The "buy high" you have from a physical thing? It doesn't go away if you're investing in adventures, connections and people. Year after year, you can unpack those memories and savor them.
Et voila! Money just bought you happiness.
Maybe the dismal science is good for something.
Luring talent with more than just a basketball
The NCAA has voted to give schools with the biggest sports programs more leeway to lure talent. The move will affect the five biggest conferences: the Atlantic Coast, Southeastern, Pacific 12, Big Ten and Big 12 conferences.
If finalized, the conferences "will receive the power to raise the value of scholarships, improve health insurance, allow players to consult agents and more," according to the New York Times. For more on what this decision could mean, we spoke to Andrew Zimbalist, an economics professor at Smith College who follows the business of sports.
Click the media player above to hear Andrew Zimbalist in conversation with Marketplace Morning Report host David Brancaccio.
What you should know about the changes to credit scores
FICO, the nation's leading provider of those all-important credit scores that so many Americans can feel they have tattooed to their backs, has announced it is changing the formula it uses to score credit. The changes could boost the scores of tens of millions of Americans.
Here are a few things to know about the changes:
Exactly what is FICO changing?
There are two main changes. One is that FICO will stop docking people for being overdue on a payment, as long as they have ultimately paid the bill or settled with a collection agency. Until now, having a collection on your record — even if your balance was at zero — could impact your credit score as much as a foreclosure or a bankruptcy.
The second change will be good news to people with medical debt, which is about 40 percent of Americans. FICO says it will start giving less weight in its credit scoring formula to unpaid medical bills that are with a collection agency.
So how could these changes affect my ability to borrow?
FICO's goal is to boost lending without creating more risk. Since the recession, it has been hard to get a loan without fairly spotless credit. These new changes could boost certain scores by as much as 100 points, meaning if you have an otherwise good credit record aside from the above issues, you might qualify for a loan you wouldn't have before, or at least for a lower interest rate.
When do the changes go in to effect?
FICO says they will offer the new credit score formulas to credit bureaus in the fall and to lenders by the end of the year. But just because the new formulas are available doesn't mean they will be used. FICO rolls out new scoring formulas every few years, and it takes a while for many lenders to adopt the newest versions.
Beyond that, even though FICO has changed its approach to unpaid medical bills and debts that have been resolved with collections agencies, those events won't disappear from your record altogether. Lenders will still be able to see them on your credit report for up to seven years, and can still decide they are a sign of risk.
What are the pros and cons of FICO's new approach?
Any loosening of credit standards raises worries in some corners, that it could leave lenders open to more risk or entice borrowers deeper in to debt. FICO doesn't think so. But we'll have to see.
If the company is wrong, it could undermine the credibility of their credit scores.
John Ulzheimer, a credit expert at credit education website Credit Sesame and a former manager at FICO, says what is certain is that FICO carefully considered the changes. "The only reason someone like FICO is going to make this type of drastic change to their scoring system is because the science behind it supports the change," he says. "As time changes, different data elements on a credit report are tested to make sure they're still predictive of elevated risk."
For example, as medical expenses have risen sharply in the last few decades, FICO may have found that medical debt is no longer a good predictor of elevated risk.
If FICO is right, and the new scoring system raises credit scores for tens of millions of Americans without opening lenders up to more risk, it could have positive ripple effects on the economy. Part of the slow recovery has been due to tight credit. More people qualifying for loans could create useful momentum.
And don't forget how powerful credit scores have become in our lives. Credit card companies and banks look at them, but so do potential landlords and even potential employers.
Making online education more like iTunes
As MIT sees it, education is a lot like the record business used to be: still producing albums, when people would rather download songs one at a time.
To put it another way, instead of offering semester-long classes, professors need to start offering individual lessons and letting students pick which ones they want.
"The very notion of a 'class' may be outdated," says a new report from an MIT task force on the future of the school. "Much like a playlist on iTunes, a student could pick and choose the elements of a calculus or a biology course offered across [MIT's online platform] to meet his or her needs."
The report notes that 25 percent of professors and 40 percent of students believe classes could benefit from this "modular" approach.
MIT is not the only school thinking this way. The University of Wisconsin began offering MOOCs this year that offer shorter, more narrowly focused segments.
Also recommended by the MIT task force:
- Continue to expand online and blended-learning options.
- Expand the school's certification program for online courses.
- Develop ways to use game-based learning in classes.
- Attract a more diverse group of students to MOOCs– more than 70 percent are male.
- Make the school more affordable.
- Admit more students.
Weekly Wrap: Blame geopolitics
Felix Salmon of Fusion and Jo Ling Kent of Fox Business News talk with about geopolitics, economics and where the two shall meet.
PODCAST: New credit scores
FICO -- the nation's leading provider of those all-important credit scores so many of us have tatooed on us -- has announced that it is changing the formula it uses to score our credit in a way that could boost the credit scores for tens of millions of Americans. More on what you need to know about your FICO credit score. Plus, things are getting tougher for military personnel who get help on their college tuition. The current rule is people getting assistance have to just pass the classes, but the government now wants them do better than that. Also, Cleveland is a sports town, be it baseball, basketball or badminton. That game is one of 35 featured in the Gay Games, which start Saturday. The international Gay Games 9 competition is expected to bring 30,000 visitors to the area. More on what some small businesses are doing to get fans into their establishments.
Military wages war on bad grades
As of September, active service members who tap the military's tuition assistance program could be financially on the hook if they get bad grades.
Active members of the military can get up to $4,500 a year in tuition assistance. Under the current rules, they just have to pass classes they take off-duty to get tuition covered up to 100 percent, depending on the branch of the military they're in.
But starting in early September, troops will have to earn a C or better in undergraduate classes, and a B or better in graduate work. And they can't settle for grades of "incomplete." Otherwise, they'll have to pay back the course tuition back.
"Tuition dollars and military student time is both limited and valuable," says Defense Department spokesman Lt. Cmdr. Nate Christensen. "So, we want to make sure they maintain focus and have an understanding of the expectations that are required of them."
Christensen says the Pentagon could waive the requirements in certain cases and cut soldiers slack for events like deployments.
Emma Scherer of Student Veterans of America says the threat of paying back tuition for anything less than an average grade could scare people off.
"We don't want to put roadblocks in the way of service members or veterans getting to education, and this clearly does that," she says.
Student financial aid expert Mark Kantrowitz, publisher of Edvisors.com, says having to back-pay tuition could also disrupt service members' long-term education plans.
"They'd either owe the military or owe the college, and that could have consequences for their ability to complete college," he says.
The changes come as the Pentagon faces long-term budget cuts.
Quiz: Libraries get into the gadget game
Silicon Tally: #Scrabble
Corporate earnings: up. Hiring: not so much.
Corporate earnings reports for the spring quarter are mostly in by the first week in August. Overall, they paint a pretty rosy picture for America, Inc., as Bloomberg predicts profits at S&P 500 companies rose nearly 9.5 percent; sales rose more than 4 percent. So far, 75 percent of companies that have reported earned more than equity analysts predicted.
"The results have been really solid," said chief economic strategist John Canally at LPL Financial in Boston. He said the results bode well for the second half of 2014, especially since GDP growth has picked up since the winter reversal.
Canally said companies are mostly plowing their profits back into the company; not adding to their payrolls, or investing in new plant and equipment.
"It's mergers and acquisitions, increasing dividends, share buybacks," Canally said. "Companies are doing what companies normally do: trying to boost share price for their shareholders. They're just not doing a lot of hiring right now."
Paul Ashworth, chief U.S. economist at Capital Economics in Toronto, said U.S. companies have increasing worries overseas — where a lot of their profits are earned — due to geopolitical and economic crises in Russia-Ukraine, Iraq-Syria, Israel-Palestine, Argentina, and Europe.
"Some of those geopolitical events have made people rethink how optimistic they are about the world economy over the next 12 months," said Ashworth — Which, he said, explains some of the stock market's recent slump.


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Joseph Re, a litigation partner at Knobbe Martens Olson & Bear LLP, has been named an "MVP of the Year" by Law360. Attorneys selected for this honor include those with successes in high-stakes litigation, record-breaking deals, and complex global matters.
We all know Brownies as the cutest little cookie sales girls around. But don't be surprised if one day a group of second graders from Orange County trade in their pig tails and sashes for business suits and a career in patent litigation.
Why It's Important
The Ultramercial decision will provide an additional tool in invalidating overly broad software-based patents. It also underscores the value of carefully crafting software patents, as those patents are more likely to be found patent-eligible for being directed to something other, or more than, an abstract idea.
Case Summary
Carol Pitzel Cruz, a partner in the Seattle, Washington office of Knobbe Martens Olson & Bear LLP, has been named to the 2014 Top Women Attorneys in Washington by Super Lawyers. Carol, acknowledged for her outstanding legal work in intellectual property litigation, will be featured in a special section of the December edition of the Seattle Metropolitan magazine.
On November 7, Knobbe Martens client Toshiba Corporation successfully obtained summary judgment in a significant NPE case. The plaintiff had sued over 30 defendants for infringing patents directed to Ethernet technology. Judge Claudia Wilken of the Northern District of California granted judgment of invalidity on two patents and non-infringement of two others. The judgment brings an end to this five year case.
Read the full order below.
Knobbe Martens Olson & Bear LLP, one of the largest intellectual property law firms in the United States, has once again been recognized by U.S. News & World Report and Best Lawyers as a "2015 Best Law Firm" for their patent law and litigation practices. This year, in addition to Tier 1 rankings for their Orange County, San Diego and Los Angeles offices, the firm also received Tier 1 rankings for their Seattle office.
Read the full press release here.
Knobbe Martens Olson & Bear LLP, one of largest intellectual property law firms in the United States, announced today that October brought a number of significant achievements.
In the last four years the number of patent lawsuits Knobbe Martens handled has soared, resulting in the firm's rapid climb up Corporate Counsel's "Patent Litigation Survey" rankings. Between 2011 and 2014 the number of patent cases it handled more than doubled, increasing from 40 to 82.
Knobbe Martens Olson & Bear LLP, one of the largest intellectual property law firms in the United States, has ranked highly in the 2014 Corporate Counsel Patent Litigation Survey. The firm ranked as one of the top ten patent litigation firms on the list of "The Busiest Firms Overall". Firms are ranked based on the number of federal district court patent lawsuits handled in prior year. The firm jumped 16 spots to number seven on this year's list.
In September 2014, Adaptimmune Limited, a leading biotechnology company focused on the use of T-cell therapy to treat cancer and infectious disease, announced the completion of a $104 million Series A financing round.

subset: commoncrawl


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Madeira Named To Head Walmart.com Following Anderson Move
Tuesday June 10th, 2014 - 12:28PM
These are shortcuts to your favorite social networking and bookmark sites. Add this story to your Facebook page, del.icio.us, DiggIt, and many others!
Wal-Mart Stores Inc. has named Fernando Madeira as its the new president and CEO of Walmart.com in the wake of Joel Anderson's move to Five Below, according to published reports. Madeira has been the retailer's president and CEO of E-commerce in Latin America.
As president and CEO of Wal-Mart's Latin American e-commerce operation, Madeira has been credited with building sales as he expanded assortment and improved fulfillment, according to the company.
Anderson will join Five Below as president in July, according to reports. Tom Vellios, co-founder and CEO of Five Below said in announcing the Anderson hire, "With Joel, we have a proven multi-channel retail leader with an exceptionally strong background across both stores and e-commerce, and the right leadership skills and merchandising vision to help fuel the growth of the Five Below brand."
Tags: anderson • madiera • five below • wal-mart • walmart.com • lennox • catherines • toys "r" us • latin america • president • ceo • specter • vellios • Housewares • Retail •
Warm Weather Cools The Bon-Ton Q3 Sales »
Williams-Sonoma Expanding U.S. Furniture Manufacturing
Spectrum Brands Q4, Annual Sales Rise
Keurig Cold Slated For Fall 2015 Launch
Williams-Sonoma Partners With Chef Tyler Florence
Coffee Sales Drive Keurig Q4 Revenue; CFO Resigns
Trade Groups Urge Government Intervention In West Coast Ports Negotiations
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Taking on teacher tenure
Amy Scott
Sep 20, 2012 States across the country are trying to make it easier to fire ineffective teachers by changing the tenure process. But some people are still wondering... what does K-12 tenure mean?
Chicago parent relieved her daughter is back in school
Kai Ryssdal
Interview by
Sep 19, 2012 The seven days that schools were closed in Chicago felt more like an eternity to parents who had to find childcare during the teacher strike. Kai checks in with Sheila Coleman, whose 12-year-old daughter was actually happy to return to school Wednesday.
What teachers can expect as Chicago strike ends
Jeff Horwich
Interview by
Sep 19, 2012 It's back to school today in Chicago. In the next couple of weeks, teachers will vote on the tentative contract deal reached between the union, and negotiators for the school district and Mayor Rahm Emmanuel.
Moving on after the Chicago teachers' strike
Amy Scott
Sep 19, 2012 The Chicago teachers union voted to end their strike yesterday, but repairing relations will take time.
Chicago teachers end strike
Kai Ryssdal
Sep 18, 2012 The teacher's union in Chicago has decided to suspend the strike that's kept 350,000 kids out of school the past seven days.
Chicago area school stages strike workaround
Amy Scott
Sep 17, 2012 Lake Forrest High School in suburban Chicago is fighting its own striking teachers by running the school without them.
Chicago teachers' strike begins second day
David Gura
Sep 11, 2012 Questions about how to care for children while their teachers are on strike are among the issues plaguing leaders and residents in Chicago.
As Chicago teachers strike, parents have to make new plans
Kai Ryssdal
Interview by
Sep 10, 2012 350,000 kids have an unexpected day off today. So what are parents doing with their kids?
Laid-off teachers look for their Plan B
Chris Bjuland
Sep 5, 2012 A trip to the airport paid off for former technology teacher Chris Bjuland.
Chicago teachers nearing strike
Becky Vevea
Sep 5, 2012 For the last year, union leaders have tried to push Mayor Rahm Emanuel into focusing on other issues: smaller class sizes, more art and music programs and job security.


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Best Dividend Paying Stock List As Of September 2013 0 comments
Best Dividend Paying Stock Lists By Dividend Yield - Stock, Capital, Investment. I'm looking for cheap stocks with a solid dividend. That's my basic premise in stock hunting. In order to get new ideas, I make every month a screen about the best dividend paying stocks on the market.
The best dividend paying stock list is a small compilation with seven tough investing criteria, summarized below. The list includes each month around 20 to 30 results. It's a quick dividend list (from low-yield to high-yield paying stocks) of stocks with interesting performance and valuation figures. Stocks from that list are mid- and large caps (market capitalization of more than USD 1 billion) with double-digit long-term earnings growth rates. The companies are traded at AMEX, NYSE, NASDAQ and part of the Dow Jones, S&P 500 or Nasdaq Composite. The list is selected by the following criteria and sorted by dividend yield.
Market Capitalization: > 1 Billion
Price/Earnings Ratio: > 0 < 100
Dividend Yield: > 3 < 20
Return on Investment: > 10 < 100
Operating Margin: > 10 < 100
10 Year Revenue Growth: > 8 < 200
10 Year EPS Growth: > 10 < 100
29 companies are part of the best dividend paying stock list for September 2013. The top pick is now Southern, a commodity based stock with a double-digit dividend yield. 15 stocks have a dividend yield over 4 percent, a good value in a low interest environment.
Here is the full list and my most promising selection:
Best Dividend Paying Stock List As Of September 2013...
Take a closer look at the full table of the best dividend paying stocks. The average price to earnings ratio (P/E ratio) amounts to 15.26 while the dividend yield has a value of 4.92 percent. Price to book ratio is 3.57 and price to sales ratio 3.0. The operating margin amounts to 36.37 percent. The earnings per share grew by 21.64 yearly over the past decade and sales by 18.47 percent.
Related Stock Ticker Symbols:
Selected Articles:
· 50 Shares With Fastest Dividend Growth In August 2013
· Dogs of the Dow Jones Index As Of August 2013
· 16 High Yielding Dividend Stocks With Singe P/E Ratios
· Best Dividend Paying Stock List As Of August 2013Stocks: ARLP, AEO, BHP, BBL, BTE, CEO, CVX, CHL, ABEV, BVN, EPB, GRMN, GLNG, HP, MBT, NVS, POT, QSII, STX, SQM, SCCO, STO, RGR, TSM, VIV, VALE, WPZBack To Dividend Sheet's Instablog HomePage »
Instablogs are blogs which are instantly set up and networked within the Seeking Alpha community. Instablog posts are not selected, edited or screened by Seeking Alpha editors, in contrast to contributors' articles.
26.25% Annual Return With Lobbying Stocks? Here Is How It Works.. $SO, $LMT, $KND http://seekingalpha.com/p/22qqj 3 days ago
Warren Buffett Buys Surprisingly These 8 Dividend Stocks $ESRX, $LMCK, $TMK http://seekingalpha.com/p/22kyr 5 days ago
5 Best Dividend Growth And Buyback Stocks Of The Week $CBL, $MATW, $MDU http://seekingalpha.com/p/22cqx Nov 16, 2014
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text: We had heard good things of the venue so we decided to check it out on our trip. The astmosphere in the place was pleasant even before the band started, but it turned almost rowdy (by a jazz gig standards anyway) after the band started. Good acoustics and a decent beer selection make Cafe Alto a worthwhile place for anyone... More


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Man held after Cumbrian woman's body found
Last updated at 11:24, Wednesday, 28 November 2012
A man has been arrested on suspicion of manslaughter after the death of a woman in Whitehaven.
Police were called to Wasdale Close at about 1pm yesterday (Tuesday) where they found paramedics attempting to treat a woman.
The 22-year-old Whitehaven woman, who was inside a property, was pronounced dead at the scene.
She has today been named by police as Mica Atkinson.
Her death is being treated as suspicious. Detectives are investigating the circumstances.
A 25-year-old man from Whitehaven was arrested on suspicion of manslaughter and is being questioned by police.
The coroner has been informed. A Home Office post mortem will take place.
First published at 21:59, Tuesday, 27 November 2012
Published by http://www.newsandstar.co.uk
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I see that we can no longer simply "apt-get install ia32-libs" to gain 32bit application support under 13.10. I'm working with a restricted environment where we can ONLY install 13.10 64bit, but still have some very important 32bit apps that must run.
Is work being done on getting proper 32bit support back into the Ubuntu 64bit desktop releases?
Our user is very upset because they spent a lot of resources vetting 13.10 for their new infrastructure and they don't understand why Windows and OS X simply handle 32bit apps completely transparently while we've hit a rather large stumbling block on Ubuntu Linux - supposedly the easiest and most compatible Linux distro to use.
Is there a new magic bullet to get proper 32bit support into 13.10?


text:
A Bellingham community hub is hosting a football fiesta with a chance to be photographed next to the Barclays Premier League Trophy.
The trophy will be at the Green Man, which was transformed from a derelict pub last December, where there will be football demos at the event on June 7.
There will be refreshments from 11am to 3pm at the venue, in Bromley Road, which is run by Phoenix Community Housing.
The gathering is also an opportunity to vote on the shortlisted projects bidding for funding from an annual £100,000 Community Chest pot.
To find out more and book a place before June 2, call 0800 0285700, or low-cost mobile line 0844 2642844 or email email@example.com
- Man, 58, charged with murder after body found in Deptford
- Is this Britain's worst family? Deptford killer's drunk sister smashes car into bus
- Mottingham residents claim they are living 'in the dark ages'
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- What's on this weekend (November 22 and 23)


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Find records of Anthony Govatsos
Find birth, death, marriage, military, and other records of Anthony Govatsos at Ancestry.com.Search for records
Biography & Family History Add details
Anthony Govatsos (1876 - 1975) was born on September 28, 1876. He was born into the Govatsos family.
There are no known marriages or children on record for Anthony. Anthony died in May 1975 at age 98.
Anthony Govatsos's last known residence is at Milton, Norfolk County, Massachusetts.
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In America, we have a certain set of rules and practices in the courtroom. The process can be daunting and quite serious no matter what the charge. However, We do have reality style court shows that depict court proceedings in a humorous way with a no -nonsense judge. Oscar Wilde would be proud of what
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This grandmother received the gift of a lifetime when her grandson fulfilled a promise he made four years prior. Scott Cleveland had been growing his impressive beard for over four years, but his grandmother despised it. Cleveland said: "Had a beard for 4 years. And for 4 years Grandma has disliked it. I promised I'd
In the Japanese culture, the culinary skill of creating sushi is considered and art form in which the guest is treated to a delectable treat that is bound to seduce the senses. Just like a guest honored with a Chinese Tea Ceremony in China, a person receives honor when they are treated to a beautiful
Do you love the Taco Bell Waffle Taco? Do you love it more than McDonald's McGriddle? Are you sure? We ask because Consumer Reports conducted an official 'study' that once and for all settles the debate about which delicacy is the best! What Are You Talking About? Every year, the Yonkers-based non-profit Consumer Reports conducts
All systems catibrated and ready to go! Testing The Reflexes Of Seven Kittens [Video] is a post from: The Inquisitr News
Everyone who is a WWE fan, for the last two decades or so, familiarize themselves when listening to WWE legend, Jim Ross, call matches. The WWE Hall of Famer is so unique and recognizable on the headset, that we here at The Inquisitr reported his commentary being dubbed over video games. The dub job was


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"Bigg Boss" is known to be one of the most controversial and high voltage reality shows so far, and contestants appear to add to the drama with weird and unwarranted comments and behaviour.
Aamir Khan, Katrina Kaif, Ranbir Kapoor, Anushka Sharma and many other celebrities were spotted outside Karan's Johar house on Thursday
Aamir-Kiran Rao, Katrina-Ranbir, Ansuhka-Virat and Other Celebs Spotted at Karan Johar's Residence [PHOTOS]
Sant Rampal's Satlok ashram had a private swimming pool, state-of-the art elevators, 24 AC rooms with attached bathrooms
Weapons, Swimming Pool, Gymnasium, Spa – 'Godman' Rampal had it all in his Ashram
"Rani Padmini" is touted as a travelogue-thriller, women-centric film
Shooting of Aashiq Abu's Manju Warrier - Rima Kallingal Starrer 'Rani Padmini' to Begin Soon
Several celebrities have undergone cosmetic surgeries, including Priyanka Chopra, Kangana Ranaut, Rakhi Sawant among others.
Before and After Photos of Bollywood Celebs Who Have Gone Under the Knife
From Karan Johar to Alia Bhatt, these stars were fat and chubby since childhood but reduced weight to look good on camera
Kareena Kapoor Khan, Sonam Kapoor, Alia Bhatt and Other Celebs who went from Fat-to-Fit [PHOTOS]
Here, we bring to you 10 memorable moments from the event
Arpita Khan's Wedding Photos: 10 Memorable Moments from Salman's Sister's Marriage
Amitabh Bachchan, Kareena Kapoor Khan with sister Karisma, Sonam Kapoor, Anushka Sharma with Virat Kohli and many more celebs spotted at Mumbai Airport
Kareena Kapoor Khan, Amitabh Bachchan, Virat – Anushka and Many Other Celebs Spotted at Mumbai Airport [PHOTOS]
From Kareena Kapoor Khan to Alia Bhatt, the heroines have taken off clothes for films as well as photoshoots
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Bollywood superstar Salman Khan has released the wedding photos of his sister Arpita Khan on his Instagram page on 20 November.
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Faced with aging assets, rising operating costs, growing regulatory risks, and flat demand growth, utilities are challenged to remain competitive in an evolving energy market. The answer might be...
Electric Executives' Forum - Summer 2001: Are You Ready?
dialogue going for people to be really ready. All utilities have contingency plans for how the system is going to protect itself and we're going to protect our system when there are disturbances. ...
What we want to do is separate the fact from the fiction about what do these things really mean? What can you do to prepare for this? Are there some things that the city's emergency response should include? We've got to make sure that places where new technology has brought things like kidney dialysis into the home, that people understand that the electricity system is not 100 percent reliable. ...
Do you communicate to customers with medical needs that they need back-up generators?
What the medical community tells us is that none of this is permitted to be done in the home unless there is backup power supply. ... [But] we know that some of our customers have backup batteries that have never, ever been checked. They're probably not going to work. So it's that kind of message: "Today would be a good day to check your batteries." ...
Do you keep a list of customers with home medical equipment?
Yes, our customer information system is supposed to have that kind of information. That's another good example of something that I think we want to make sure the medical community is helping us keep those records up to date. It's just a good wakeup call, a reminder for us ... . New technology gives us the ability to do broadcast messages to people that are on special needs lists like that, so I want us to have good information systems and up-to-date information. Again, that's a good point.
How have you been disseminating these "check your battery" reminders?
We will mail to everybody, and we will probably do a good deal of press advertising in addition to that, but I think all of these things are done one heck of a lot better if you engage the part of the community that really knows. The healthcare industry probably has a much better sense of who these people are, what their particular needs are, and how to best communicate with them.
What government officials or agencies have you been working with?
I work for the mayor and the city council. We had a good session with the city council to kind of kick off this reliability conversation. They had some good contributions. I think they're going to help us with getting the word out. There are a number of city departments that I can call on to be of help here. A good example: The city runs the transportation system. ... We need to get well-coordinated with traffic signal electricians when we are thinking about rolling blackouts so we can get traffic signals restored very quickly. Again, that's just a preparation that I need to have our smart people talk with their smart people and figure out how we're going to coordinate that ... .
Closing thoughts?
[We're not really] expecting blackouts. We think this is a good opportunity,


text:
Defender eyes Wolfsburg double to seal qualification.
Boss not thinking about recruiting defender in January.
Up-to-the-minute updates from the Club's official social channels.
Secure your seat for a host of thrilling Goodison games in 2015.
Available now. Order Today!
Shop for the latest Everton Autumn/Winter fashion today.
Check out the latest Everton Essentials fashion.
Catch up with the very latest press briefing from the boss.
A rundown of the latest injuries and suspensions affecting the senior squad.
There are a wide host of lounges here at Goodison to suit every taste and requirement - both on matchday and for events.
Holidays Are Coming! Okay, maybe it feels too soon - but if you don't book now you could miss out!
Take a step inside the world-renowned Everton Academy.
There are a range of products available offering you a chance to win big money prizes.
Details on our forthcoming coaching camps for youngsters.
An interactive journey through our illustrious history, from 1878 to present day.
Learn all you need to know about the men who have sat in the managerial hotseat.
Learn more about the charity that supports former Blues.
We have a wide array of exclusive signed items listed on our new Everton eBay Auction platform.
Find the nearest Supporters' Club to you on our interactive map.
Everton's array of partners deliver a plethora of offers and benefits for our fans.
VfL Wolfsburg (A) Thu 27 Nov 2014, 18:00, Europa League
by Andy Lewis
29 March 2012 15:22
If the newspapers are to be believed, then David Moyes may well have been keeping a close eye on Shane Long's situation last summer. As it transpired, the Irish forward made a £6m switch to the Hawthorns, and Moyes waited until January before moving to sign Nikica Jelavic from Rangers. This Saturday Long will visit Goodison as a West Brom player, while Jelavic will be looking to score for a third successive match. The Croat has three in five starts for the Blues and has looked a constant threat since his switch from the SPL. Long, meanwhile, has found goals slightly harder to come by. His consolation in the 3-1 defeat to Newcastle last weekend was his first in eight games and his seventh in 25 appearances. For ex-Blues striker Graeme Sharp, the stats highlight the differing virtues possessed by the two players.
"I have been very impressed with Jelavic," Sharp told evertonfc.com. "He has got great awareness. To play up there like he does you need to see what is around you and he has that. You play the ball up to him and he instantly has a picture and not everyone has that. "You can also play off him, his touch is good and he is probably better with his back to goal than Shane Long. The really impressive thing with him is that he always looks to get in the six-yard box as well. He is more of a natural goalscorer than Long. Sharp added: "I think Long has done reasonably well this season. He is not the tallest lad in the world but has a good leap, wins his fair share of headers and is a hard worker. He started brightly and scored a few - they dried up a bit - but he is a lively front player who will run all day, be a bit of a pest and be someone you have to keep an eye on. "He may be a little disappointed he has not scored a few more, but he does a lot of the unselfish things, and whilst supporters look at goals, I bet if you speak to his teammates they will really appreciate all the work he does for the team." The stats tend to back up Sharp's assessment, with Jelavic almost matching Long's attempts on goal in less than a third as many games. Both players have fired in nine shots off target, while Jelavic has managed 11 accurate shots in five starts and three substitute appearances compared to Long's 18 goalbound efforts in his 18 starts and seven run-outs from the bench. Long is yet to assist a goal for the Baggies, while Jelavic has managed to set up two goals for his Everton teammates. And Sharp added: "The thing that has impressed me most about Jelavic is his ability to play with other people – not just with his feet but with his head – he'll flick balls on as well as hold up play. "He has been very good so far. His goals have been excellent goals and goals the like of which you want to see your centre forward scoring. Earlier on in the season we were crying out for someone to get in the box and score a goal and I think Jelavic is that man." To see exactly how Jelavic and Long compare then click here. The head-to-head section of evertonfc.com allows you to compare Everton stars with any other Premier League player.
To buy tickets for Everton v West Brom, click here , call 0871 663 1878* or pop to the box office at Goodison.
Martinez discusses Blues youngsters in Tuesday's media.
REPORT: #EFCU21 1-1 Celtic U21s. @courtneyduffus earns late International Cup draw at Goodison evertonfc.com/fixtures/2010-… http://t.co/ZAgrl0grmX
FT: Everton U21s 1-1 Celtic U21s. @courtneyduffus' late equaliser earns Blues a point in @premierleague International Cup opener. #EFCU21
90' Three minutes added on. 1-1. #EFCU21
85' Young Blues now look to to be in a 3-5-2 system, pressing for a winner. 1-1. #EFCU21


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Originally Posted by defined
i was also a bit disappointed with the game, got repetitive pretty quick and the story before each mission was just too dull to care. its a shame really as it had the basis to be a really good game
Originally Posted by faugusztin
I played worse and more repetitive games... *cough* Far Cry series *cough*
Originally Posted by Material
Of course, and it's not a bad game by any means, it just fell short of the high hopes I had for it.
Fractal Design Define R5 Review
24th November 2014
Meet the new Caseking Selective Fire systems by der8auer
20th November 2014
ASRock Z97 Pro 3 Review
19th November 2014


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You may not have heard of the Association of Writers and Writing Programs (AWP), but it's taking over Minneapolis next April. The literary conference (open to the public) goes down at the Minneapolis Convention Center (with lit stars from T C Boyle to Roxanne Gay), but events will be erupting all over town. Predictably, our Creative Writing Program is involved up to its eyebrows.
Until the end of December, former adviser and Associate Director of Undergraduate Studies Bev Atkinson and her husband Steve are matching all giving up to $1000 to the Beverly Atkinson Scholarship for Non-Traditional Students.
It's the time of the year for lists: best of lists, gift lists, wish lists. As you're writing up yours, get inspired by this annotated list of well-reviewed poetry, fiction, and nonfiction by English faculty, students, and alums!
The Chair of the Department of English has assigned the Affordable Care Act as required reading. Her department classes have titles such as "Probing the Social Text," "Civil Rights Discourse," and "Consumer Culture." In her research, Professor Messer-Davidow explores how one phenomenon is explained differently by different parties, from scholar and activists to lawmakers, the media, and the public, and how movements and institutions orchestrate change. The world is her text, you might say, along with such soundings as Thomas Piketty's Capital in the 21st Century.
Check out new books, articles, and paper presentations from our award-winning English professors.
What are you presenting, publishing, working on? Tell us here. Plus learn what your peers--and PhD candidates--accomplished this fall!
Keep us up to date about what you're writing and where you're working! And read about other alumnae/i accomplishments--not to mention those of our over-achieving MFA candidates.
What adventures did you embrace in 2014? Let us know here--and read about your peers' latest accomplishments!
Pulitzer-Prize winning playwright Lynn Nottage gives the Esther Freier talk February 18, 2015, co-presented by English and the pioneering St. Paul theater Penumbra. Penumbra's production of Nottage's By the Way, Meet Vera Stark runs February 5-March 1.


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At first, I was surprised to learn not to know about this movie for so many years. As the movie progressed, it was obvious to me how other movies of the time had taken from it its... Read morePublished 12 days ago by Tamakum
After watching the documentary, "Jodorowsky's Dune", I saw mention of his prior films including Fando Y Lis (which caused riots in Mexico), El Topo, and The Holy Mountain... Read morePublished 18 days ago by Karl E. Weaver
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Originally written on Fox Sports Southwest | Last updated 11/17/14
ARLINGTON, Texas (AP) -- Joe Mauer and Justin Morneau drove in two runs each, Francisco Liriano pitched around six walks and the Minnesota Twins handed the Texas Rangers their season-high fifth straight loss with a 5-1 win Friday night. Liriano (3-7) allowed five hits and one run with six strikeouts in 6 23 innings, and the Rangers scored two runs or fewer for the fourth time in five games. The Twins touched Rangers rookie left-hander Martin Perez (1-1) for four runs in first four innings, but two were unearned after first baseman Mike Napoli misplayed a popup. Rangers slugger Josh Hamilton left the game with back spasms soon after misplaying Brian Dozier's fly ball for a three-base error and making a long throw from the warning track in the fifth inning. Mauer drove in his two runs on a single that scored the only earned run in a three-run third and a sacrifice fly in the fourth. Justin Morneau had an RBI single in the third and hit his 11th home run on a line drive into t...
Original Story: http://www.foxsportssouthwest.com/07/...
PLAYERS: Joe Mauer, Justin Morneau, Francisco Liriano, Martin Perez, Mike Napoli, Josh Hamilton, Brian Dozier, Tanner Scheppers, Adrian Beltre, Michael Young, Nelson Cruz, Yorvit Torrealba, Ian Kinsler, Elvis Andrus, Leonys Martin, Ron Gardenhire, Brandon Snyder, Josh Willingham
TEAMS: Minnesota Twins, Texas Rangers, Chicago White Sox
TEAMS: Minnesota Twins, Texas Rangers, Chicago White Sox
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Mixing Friendship & Business ... Like a Good Martini
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Merry Christmas from Knapp Consultants! During ...
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always available to help and encourage you to achieve your highest
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Restaurant of a Grand Chef Relais & Châteaux in a village. Switzerland,Hägendorf
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November 24, 2014
WASHINGTON (AP) -- A military hearing on sexual assault accusations against three U.S. Naval Academy midshipmen is being delayed because the alleged victim says she is too tired to testify.
The hearing at the Washington Navy Yard is in recess, but is expected to resume Saturday afternoon.
The woman has testified over three days under heavy questioning about her foggy memory of an alcohol-fueled, off-campus party last year in Annapolis, Md. She also testified in closed court Tuesday.
The woman, who is now a senior at the academy, has complained about fatigue.
The hearing is being held to determine whether the three former football players will face a court-martial.
The woman was allegedly sexually assaulted at an April 2012 party after a night of heavy drinking.
© Copyright 2014 WHSV / Gray Television Group, Inc. All Rights Reserved.
Click Here to access the online Public Inspection File
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1-1 of 1 two bedroom house for sale found
£195,000 Offers Over
Offers Over £195,000
2 bedroom detached bungalow for sale 11 Cherry Hill Road, Alloway, KA7 4TE
A well-presented traditionally built detached 'Govan' bungalow set in extensive, level gardens with enormous potential to extend/develop loft space and located in a sought after residential locale close to shops and schooling. More details ›
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