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Tweaking the Ravens Part II: The defense

This is the second installment of a three-part series in which Baltimore Sun reporter Matt Vensel examines the Ravens and how each area of the team can be improved this offseason. He will look at the Ravens' special teams unit in Saturday's paper.

The Ravens' defense was the team's best unit in 2011, ranking among the NFL's elite in sacks, scoring defense and yards allowed per game.

But you could argue that the defense has the most question marks entering this offseason.

Defensive coordinator Chuck Pagano left to become coach of the Indianapolis Colts. The Ravens have a handful of key free agents on defense — starting linebackers Jarret Johnson and Jameel McClain and defensive end Cory Redding — who might be tempted to follow Pagano to Indy. Then there's the annual uncertainty with safety Ed Reed.

Still, those issues and others shouldn't cloud a sparkling 2011 season by the Ravens' defense.

Outside linebacker Terrell Suggs was named the NFL's Defensive Player of the Year after he had a career-high 14 sacks. Young cornerbacks Lardarius Webb, Cary Williams and Jimmy Smith were bright spots, especially Webb, who some feel was a Pro Bowl snub. And thanks to Pagano's schemes and swagger, the Ravens racked up 48 sacks, 21 more than in 2010.

Pagano is gone, though, and a major storyline will be whether his replacement can replicate the chaos.

"You're going to see a fiery Dean Pees and you're going to see an aggressive defense, just like you've seen in the past," coach John Harbaugh said when Pees was introduced. "We'll be getting after people. That's the plan. That's not going to change. We're going to build on that."

Here are three tweaks the Ravens could consider to improve their defense in the 2012 season:

1. Start planning for life after Ray and Reed

The Ravens hope Reed will return for another title run alongside inside linebacker Ray Lewis, who said he will be back for a 17th season. Though Father Time is closing in on the two all-time greats, the Ravens say their championship window isn't close to shutting.

"We have great players like [Pro Bowl defensive tackle Haloti] Ngataand Suggs that are their replacements," Ravens owner Steve Bisciotti said at last week's season-ending news conference.

The Ravens can't leave their positions vacant, though, so they should start transitioning now.

If they believe that McClain and Dannell Ellerbe, a restricted free agent, can play significant long-term roles at inside linebacker, sign them back. If not, the Ravens should look for a young linebacker in the draft — one whom Lewis can tutor — instead of going the free-agent route.

"It's hard to find an eventual successor for Ray Lewis as the leader of the unit. Those guys don't pop up often. And it's hard to bring in [a top free-agent linebacker] if Ray Lewis is still there," Ian Eagle of CBS Sports said, adding that "there is something to be said for learning under him."

The same goes for the safety position, which could experience significant turnover this offseason even if Reed returns. Tom Zbikowski and Haruki Nakamura are free agents, and though they played valuable roles as reserves and special teams players, they are not in Reed's league.

The Pro Bowl free safety turns 34 in September, and if he plans to be playing then, he hasn't shared his plans with the Ravens yet. Reed's instincts and coverage skills rank among the NFL's best at his position but his tackling was scrutinized as he played injured again in 2011. It's time to draft a long-term fill-in for Reed because it's unclear how much longer he can be counted on.

2. Find a pass rusher to pair with Suggs

Suggs had his best seasonin 2011. He set a career high in sacks. His seven forced fumbles were a single-season team record. And his strong play against the run helped him win Defensive Player of the Year over other defenders with higher sack totals, including Jared Allen of the Minnesota Vikings and Jason Pierre-Paul of the New York Giants.

But he had just one sack in the team's final five games, including the postseason. Opponents gave Suggs even more attention with double teams, and running backs and tight ends often chipped him on their way out. With teams scheming against Suggs and with Ngata not as dominant down the stretch, the Ravens had just four sacks in those games.

"What we like about both of those guys is that they show up in both the run and pass," Ravens general manager Ozzie Newsome said. "The stats show up as far as sacks, but the way both of those guys impact the way we play against the run, it's unbelievable."

Even if Johnson and Redding return in 2012, the Ravens should target a pass rusher in the draft.

They like young defensive tackle Arthur Jones and defensive end Pernell McPhee, who had six sacks in his rookie year. Third-year outside linebacker Paul Kruger chipped in with 5.5 sacks. But the Ravens could use a more consistent threat opposite Suggs. Two years ago, they appeared to have drafted that talented edge rusher in Sergio Kindle, but he has yet to contribute.

"Getting someone opposite [Suggs], that would just be devastating," said ESPN analyst and former NFL fullback Jon Ritchie, who pointed out that "there aren't a lot of guys like Suggs out there."

Finding that wingman for Suggs is one way to get the Ravens defense back to No. 1 in the NFL.

3. Make sure the swagger stays in Baltimore

Despite a change at defensive coordinator from Greg Mattison to Pagano in 2011, the Ravens were third in both scoring defense and yards allowed. Their hallmark has been stopping the run, and they did that, finishing second in rush defense. They were also fourth against the pass.

The Ravens nearly doubled their sack total from 2010 to 2011, which might have been the biggest coup in Pagano's year as coordinator. They were loose and confident, and played with an edge.

"They really thought they were able to just let it go and play the way they are comfortable playing," said Ritchie, who believes other teams didn't want to play against the Ravens' defense. "Now the problem lies in that their defensive coordinator is the head coach of the Indianapolis Colts."

Pees acknowledged two weeks ago that his personality differs from his predecessors', but the former New England Patriots defensive coordinator was adamant that the personality of the defense would not change in 2012. And that's a good thing because Lewis, Suggs and Co. are at their best when they play with attitude.

"These teams that have been successful over time in the NFL are the teams that have been able to pass along their philosophies," Eagle said. "We've seen it with the Steelers. We've seen it to some degree now with the Giants. And the Packers. If you want to sustain excellence in this league, you need an ideal that players believe in that the veterans can pass along to the young players."

Copyright © 2017, Los Angeles Times


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August 17: 'ParaNorman'

Featuring the same stop-motion animation as "Coraline," this comic thriller focuses on a young boy (voiced by Kodi Smit-McPhee of "The Road") who can speak with the dead, and thus serves as a valuable asset in a town overrun by zombies and other paranormal intrusions. Casey Affleck, Anna Kendrick, Leslie Mann and John Goodman also lend their voices to a film that will look good, whether or not it's actually good.
Handout photo
Copyright © 2017, Los Angeles Times

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High surf continues to pound California coastline

An ocean swell will continue to produce big waves and strong rip currents along the California coastline, forecasters warned Monday.

Waves will reach four to seven feet with occasional sets to nine feet along west- and northwest-facing beaches between San Luis Obispo County to San Diego County, according to the National Weather Service.

The largest waves probably will be near Ventura Harbor in Ventura County, as well as Manhattan Beach to Cabrillo Beach in L.A. County.

Weather forecasters say the swell also will produce sneaker waves in some of the coastal areas. The waves are capable of washing people into the sea from rocks, jetties and beaches, especially when the tide is high.

Forecasters are also warning swimmers and surfers of strong rip currents. A beach hazards notice for the coastline in Santa Barbara and San Luis Obispo counties remained in effect until 6 p.m.

The long swell was a welcome sign for organizers of the Mavericks Invitational surf contest at Half Moon Bay last week, where predictions of 40-foot waves appeared to have come true.

LAPD in mourning after 3 officers killed in 2 months

Donald Sterling will fight to keep Clippers, Garcetti predicts

Red Cross assisting homeless residents displaced after shelter fire

Twitter: @latvives

Copyright © 2017, Los Angeles Times


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Commodities, growth hurdles for Colombia after elections

May 27, 2014

Continued reliance on commodities means new president will need to tackle falling GDP expansion, says Capital Economics

  Source: Adam Wyles

Colombia’s new government will face slower growth in the coming years as natural resources prices fall, analysts at Capital Economics said after the country’s presidential elections on Sunday.

The vote has gone to a second round, pitting incumbent Juan Manuel Santos against Oscar Ivan Zuluaga. Santos won 25.6% of the vote and Zuluaga, 29.3%, in the first round.

Both candidates served as finance minister under Alvaro Uribe’s government, and their financial and economic policies are similar.

"The result of the run-off is unlikely to cause much of a stir in the financial markets, no matter which candidate prevails," Capital Economics’ David Rees wrote in a research note published on Tuesday.

"But with neither man likely to tackle Colombia’s high dependence on the export of natural resources, growth during the next presidential term will probably be slower than during the last four years as the global commodities boom fizzles out."

Peace talks with the Farc guerrilla group have been the focus of electoral campaigning, with Zuluaga saying he would suspend the discussions. That would be negative, but would not have a "major" impact on markets, Barclays analysts said in a research note on Tuesday.

"The general market consensus has been that Colombia has already received most of the economic benefits from the improvement in security conditions, such as the possibility for oil and mining companies to explore certain areas of the country that used to be controlled by the guerrillas. Meanwhile, other economic benefits of peace, such as a possible reduction of military spending, seem less likely in the short term since security will still be an important public policy issue."

The second round vote is scheduled for June 15. LF

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Faculty of Education, Social Sciences and Law

School of Law

Dr Peter Whelan presents his competition law research and helps to train judges in Romania

27 October 2014 |

Dr Peter Whelan, an Associate Professor and the Deputy Director of the Centre for Criminal Justice Studies, participated in the international conference on competition law ‘The Application of Articles 101 and 102 TFEU at National Level’ in Bucharest, Romania.

The conference was held at the Faculty of Law, University of Bucharest and took place from 24 to 25 October 2014. There were over 250 attendees, including (EU and national) judges, competition officials, practicing lawyers, academics and students.

During the conference Dr Whelan presented some of his research from his recently published monograph with Oxford University Press: The Criminalization of European Cartel Enforcement: Theoretical, Legal, and Practical Challenges. Specifically, he analysed the potential negative impact of Regulation 1/2003 on national efforts to employ criminal cartel sanctions in the EU and what can be done to overcome such a negative impact in practice.

In addition to his presentation, Dr Whelan also chaired a conference panel that examined recent EU and Romanian case law on ‘by object’ anticompetitive agreements. One of the contributors to that panel was Judge Anthony Collins, the Irish judge on the General Court of the European Union.

Following the conference, Dr Whelan, along with Judge Collins and a very small number of distinguished foreign academics, led a workshop dedicated to training Romanian judges in competition law. That workshop was by invite-only and was attended by a variety of judges from different branches of the judicial system in Romania.

During the course of the conference, Dr Whelan was invited to join the Scientific Committee (Editorial Board) of the Romanian Competition Journal, the leading competition law journal in Romania (which publishes all of its articles in both Romanian and English).

Read more about the conference online.

© Copyright Leeds 2016


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Faculty of Education, Social Sciences and Law

School of Law

The Law School Hosts International Conference on Competition Law

20 September 2016 |

On 9 September 2016, the School of Law’s Centre for Business Law and Practice brought together leading scholars, policy makers and practitioners at an international conference on the area of Competition Law and Regulation in Digital Markets, sponsored by Addleshaw Goddard LLP, Eversheds LLP, and Google. The conference was organised by the competition law and regulation team at the Centre comprising Professor Pinar Akman, Dr Peter Whelan, and Dr Konstantinos Stylianou. Around seventy delegates from around the world attended the conference held at the School of Law.

The event provided stimulating insights into the most significant challenges for competition and regulation in this area. It did so by identifying and analysing new patterns and norms in relation to: market definition and market power; the interface of regulation and competition; vertical restraints; and goods and data in online markets.

The conference had the honour of welcoming the keynote speaker Dr Andrea Coscelli, the Acting Chief Executive of the Competition and Markets Authority, who emphasised the importance of a regulatory balance between intervention and innovation, and the current and future enforcement priorities of the CMA in this area. Throughout each of the panels there were several overarching themes. Examples of these included, whether digital markets deserve distinct regulatory and antitrust treatment; whether in the online world market power, market definition and business practices have a different meaning, and how important the role of data and computer processing is in competition analysis. Many panellists agreed that a more nuanced regulatory attitude is desirable. As emphasised by the keynote, enforcement practices must not inhibit innovation.

As this area of the law develops, it is essential that events like this bring together scholars and practitioners to shape thinking and enforcement. The School of Law, through its competition and regulation team, is keen to remain involved.

You can access the conference website containing the programme, the slides from presentations and some photos from the event.

© Copyright Leeds 2016


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How should you respond if a survey asks you to disclose the law firms you use?

A major bank’s law department deliberately refuses to complete surveys that ask for it to list the law firms it uses most. Law firms who represent the bank lobby to be listed, but the department has decided as a matter of policy not to oblige. Perhaps its policy rests on the belief that nothing good can come from disclosure, but the bank might miff a firm not listed or create more demand for its chosen counsel. Or perhaps the roster changes with enough frequency that any snapshot listing is sure to be out of date. Maybe the department does not want complacency to sap its primary firms. Maybe the policy interdicts all surveys.

Other law departments, by contrast, feel no compunctions about citing their go-to firms (See my posts of Sept. 21, 2005 on league tables; and Dec. 4, 2006 on Martindale-Hubble listings.). Some general counsel may believe that a stellar list of firms hired reflects well on the judgment and clout of the department (See my post of June 11, 2007 and 11 references cited about other forms of public relations undertaken by law departments.). Others may recognize that their honored law firms swell with pride and redouble their efforts on behalf of an appreciative client who praises them publicly.

I side with the disclosers.

We welcome comments

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text:
Legal Question in Consumer Law in Georgia

am I responsible for a 2000$ blood test the doctor did not advise me of.

Asked on 9/17/13, 6:24 pm

1 Answer from Attorneys

Glen Ashman Ashman Law Office

If the test was part of your care, almost certainly yes (although no one here has read the paper that has the answer, which you have read, your medical consent form).

Read more
Answered on 9/17/13, 6:37 pm

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Legal Question in Workers Comp in Iowa

Long back story before the question...

I have been out of work due to severe depression and anxiety for two months. The short term disability company denied my claim, which is a mistake because they did not get information from all treating physicians during my time off. Basically they contacted my primary physician for information for a time I was being treated by a behavioral health center, in which my doctor is not involved with the treatment. Based on my primary care physician telling the insurance company that I was not being treated by them during this time and they did not take me out of work. This is true as the health center was doing this. Upon admission to the health center, the insurance company was provided with this information, which apparently they chose to overlook. Now I have to go through an appeal process.

The added stress of this has made any progress I made at the health center obsolete and my condition is getting worse. Mainly the anxiety of losing my job and potential financial ruin is putting me over the edge.

The insurance company is "administrative" only when it comes to the policies, my employer pays the claims out directly and I believe are the final ones to approve and deny the claim.

Due to my condition, the anxiety of having to deal with this has increased my anxiety levels above what I have dealt with before. Because of the denial by my employer and insurance company, all progress is now lost and I am below level one.

Because of my relapse, being caused by the denial and now appeal process of my claims... can I claim workers compensation for this period as I am unable to function and it was caused by my employer and their insurance company?

The initial claim was for short term disability for reasons not job related. It is now job related at this point.

Another thing to note... this is a huge corporation I work at, which probably has the best of the best legal wise.

Asked on 4/20/12, 2:52 am

1 Answer from Attorneys

Stephen Lombardi Lombardi Law Firm

Hi, your question is more than one just seeking general information. You have a specific legal question with very specific legal issues. This is really not the proper forum for you to be discussing your case. I would strongly suggest you call an attorney that understands this area and make an appointment. If you want a referral I'm happy to oblige. Steve Lombardi

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Answered on 4/20/12, 3:27 am

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text:
Legal Question in Civil Rights Law in Pennsylvania

i want to get my boyfriend out of my house - he receives mail there i was told by the police i have to evict him and i was told by the magistrate that i can just change the locks and put his things out

Asked on 8/31/11, 6:10 am

1 Answer from Attorneys

Andrew Solomon Law Office of Andrew A. Solomon

If you own the house, it would seem pretty easy for a lawyer to file an action in District Justice court (small claims) to get an eviction order, or a restraining order. If he doesn't comply, then the Sheriff has the right to forcibly evict him. Additionally, under these circumstances (unless he has a lease) it would seem that you might be entitled to have him pay your legal fees, and definitely your filing fees. I would see a lawyer immediately to get a clearer picture of your options based upon the specific facts involved..

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Answered on 9/02/11, 5:14 pm

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text:
Legal Question in Legal Ethics in Virginia

I bought some some paint at Lowes on the advice of a sells associate to paint a roof. I paid someone to paint a roof( not a professional painter),using the paint that the Lowes guy recommended.

When I went back to get more paint to finish the job another person, assistant mgr., Told me I was using the wrong paint. She had me tell the workers to stop painting. that all the paint would have to be stripped off & an oil base paint would have to be used. They are willing to supply the paint but not the labor of stripping & repainting. What is their responsibility? I was using the paint on the advice of their paint expert.

Asked on 9/19/13, 7:12 am

1 Answer from Attorneys

Michael Hendrickson Michael E. Hendrickson

So, sue 'em in Virginia small claims court for up to $5K + your

court costs.

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Answered on 9/19/13, 10:32 am

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Shop by Phone: 1-316-522-2006
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text:
Discussion in 'Lawn Mowing' started by amw, Jul 12, 2004.

  1. amw

    amw LawnSite Senior Member
    Messages: 408

  2. chevyman1

    chevyman1 LawnSite Senior Member
    Messages: 852

    yeah he's lying, that machine can only go 10 MPF forward I believe
  3. TLS

    TLS LawnSite Fanatic
    Messages: 7,937

    He "could" have that little Kohler cranked up to 4200 RPM's.

    That would just about do it.

    Or a simple hydro drive pulley swap.

    Most likely though, its either a typo or B.S
  4. lawnjockey51

    lawnjockey51 LawnSite Member
    Messages: 132

    It's in Vegas ... he doesn't have a clue about WET grass ... so whatever the "top end" is you can cut that dry stuff at that speed

    Still probably won't do 15

    BALDEAGLE LawnSite Member
    Messages: 133

    someone musta called him on it ...he's revised his listing.

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Power Equipment, Major Brands

Discussion in 'Starting a Lawn Care Business' started by Jaeger, May 12, 2006.

  1. Jaeger

    Jaeger LawnSite Member
    Messages: 65

    Hello Everyone

    New member, first post.
    I have been interested in power equipment since way back in the early 70's my grandfather bought my dad a 3.5 hp Sunbeam lawn mower. This was not an electric rather a B&S built like a Panzer tank. Heavy cast deck (Orange).
    He still uses it today.

    I beleive, in my opinion, the only real players in this industry are Echo, Shindaiwa, Redmax and Stihl. With Husky and Tanaka falling somewhere in between.

    I currently have 5 blowers (handheld) and appreciate the variations in all of them. Enivornmentally speaking they have come a long way. 2 cycle stuff is very clean.
    Any one who thinks the likes of Poulan, weedeater, homelite, etc. are in the same leauge are very misguided. This is junk. spewing toxic messes and operating like grap. You get what you pay for.

    Honda stuff, which I own a UMK431 Trimmer is built like a hummer but heavy.

    Looking forward to replies.

    Take Care
  2. Rayray

    Rayray LawnSite Member
    Messages: 54

    What are you trying to say in your post?
  3. Jnamo

    Jnamo LawnSite Member
    Messages: 90

    ??? Yes, what Rayray said ???

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What is this?

Discussion in 'Lawn Mowing' started by Expert Lawns, Jul 29, 2004.

  1. Expert Lawns

    Expert Lawns LawnSite Silver Member
    Messages: 2,660

    I'm not good with identifying grasses or diagnosing lawn problems. A customer asked me why this happened to her lawn. It's only in one spot. They didn't put any roundup on it, didn't set anything on it overnight etc. I mow 4 other lawns on that street and noone else has this.

    misc pics 2 006.jpg
  2. WeatherMan

    WeatherMan LawnSite Senior Member
    Messages: 692

    What Kind of turf is it???????????????
  3. Expert Lawns

    Expert Lawns LawnSite Silver Member
    Messages: 2,660

    another one..............

    misc pics 2 007.jpg
  4. Expert Lawns

    Expert Lawns LawnSite Silver Member
    Messages: 2,660

    It's grass. All I know.
  5. Mark McC

    Mark McC LawnSite Bronze Member
    Messages: 1,565

    Here in Virginia, I'd suspect grubworms, but I'm not sure whether that's the diagnosis up your way.
  6. BryPaulD

    BryPaulD LawnSite Senior Member
    from MI
    Messages: 392

    maybe someone dumped something out there?? One time an ex of mine dumped out some paint cleaning solvent out on a spot of lawn at my mom's house and I swear the grass still is dead in that spot, and that was like 6 years ago. :(
  7. smlavin

    smlavin LawnSite Member
    Messages: 183

    Fungus will make spots like that in St. Augustine, but hey, I'm in the heart of Dixie. I don't know about northern grasses.:confused:
  8. Black Water

    Black Water LawnSite Senior Member
    Messages: 250

  9. Expert Lawns

    Expert Lawns LawnSite Silver Member
    Messages: 2,660

    funny thing is, the home owner is a painter. I asked his wife if he dumped anything out there and she said no. It is so spotty, seems like it would have had to splatter quite a bit, like if he launched it from a 2 story window. I just can't see him dumping chemicals like that in the middle of his yard. Must be something else.
  10. JimLewis

    JimLewis LawnSite Fanatic
    Messages: 6,843

    Well, we don't have grubworms in our area. So I have no idea what grubworm damage looks like. All I can go off of is my experience in my own area.

    That being said, to me that looks like the lawn was killed by a chemical reaction, not a insect problem. Could be several things.

    First thing I'd ask is do they have a dog? Dog urine could easily do that. If that was negative, the next thing I'd suspect was fertilizer burn. Either because too much quick-release fertilizer was spilled in that area or because the sprinklers aren't getting that area wet enough to dissolve the fertilizer. If that could be ruled out, then my next suspcion would be that some other chemical was spilled there. Could have been gas was spilled, something like that.

    I suppose I'd also want to rule out pests. So digging up a small area with a shovel and checking out the dirt in that area for insects, larvae, etc. is also in order.

    If you don't find any bugs, it really doesn't matter what kind of chemical reaction killed it. As long as that area is getting sufficient water (check the sprinkler heads) then you just need to remove the dead grass, re-seed, maybe apply some peat moss for shade, and water often. That should bring it back.

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Law School Discussion

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Messages - ADL

Pages: 1 2 3 4 5 6 [7] 8 9 10 11 12 ... 68
General Off-Topic Board / Re: How many pre-k's can you take on at once?
« on: February 23, 2007, 11:09:10 AM »
i DO NOT have the tolerance for little kids anymore!!!  i can be around the for so long w/o wanting to curse them out.

i get along much better w/tweens & teens now.  although they can be quite annoying in their own way.

General Off-Topic Board / Re: Good Comedians?
« on: February 23, 2007, 09:55:43 AM »
I'm going on a huge road trip over spring break...driving about 48 hours total so obviously i'll be bringing my ipod with music in it, but i though to mix it up some comedians might be good.

Any suggestions besides Dane Cook, Chris Rock, Mitch, Eddie Murphy, Dave Chappelle......

Also if anyone else has any cool ways to pass time while in a car that would be great as well.

Todd Barry, George Carlin, Lewis Black, Eugene Mirman

these are 2 of my favorites.  i just finished Lewis Black's book.  hilarious!  if the book is on tape, buy it!!
i also like Jim Gaffigan (he's my #1 comedian right now).

General Off-Topic Board / Re: Add a word
« on: February 23, 2007, 08:37:11 AM »

General Off-Topic Board / Re: What's your favorite...Cheerios?
« on: February 22, 2007, 01:26:57 PM »
frosted cheerios.

General Off-Topic Board / Re: The HAPPY BIRTHDAY! Thread
« on: February 22, 2007, 09:13:37 AM »
mine was last friday!

i am definitely older and wiser now.  :D

HAPPY BELATED B-DAY!!!  did you party all weekend??

General Off-Topic Board / Re: What are you reading right now?
« on: February 21, 2007, 02:01:25 PM »
i'm reading "Nothing's Sacred" by Lewis Black.  it's a good book.  it's pretty funny too.  i have a hard time holding in my laughter on the subway.

I just ate half a box of Thin Mints.

I know!

I can't even look at a box of thin mints without eating the whole thing. Those and those peanut butter ones.

which ones?  the dosidos? (sandwich cookies)  mmmmm!
what about the shortbread cookies w/the chocolate on one side..... :P :P

I've sent the brit on a mission to find me Samosas (BTW - they were Caramel Delites when I sold them 20 years ago), but he has so far been unsuccessful.

I want some cookies, dammit!

you have to find the GS offices in you area, so you can go there & buy as many boxes or cases of cookies you want!!!

(not that i do that or anything)

General Off-Topic Board / Re: Wow.. the weather
« on: February 21, 2007, 01:07:36 PM »
it's practically a heatwave out there!  48 degrees & sunny!!

i ate 1 1/2 of Samoas over the weekend...i have 2 unopened boxes left.  they have to put heroin in these cookies, they're so addictive.

Pages: 1 2 3 4 5 6 [7] 8 9 10 11 12 ... 68


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When: 9/22/2016
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Kenner, Louisiana
United States
Presenter: Kurt Oestriecher

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Acronym PCE216
CPE 8 hours
Vendor Oestriecher
Accounting & Auditing
Level Basic
Prerequisite None
Adv Prep

Registration Early Bird
(through 9/7)
(after 9/7)
Member $289 $339
CPA Non-Member $389 $439

The Member rate applies to LCPA members, reciprocal state society members, and non-CPA staff of LCPA members. To register online, use the ‘Register’ button above. To register by phone, call the LCPA Member Service Center at 800.288.5272 or 504.464.1040, Monday through Friday, 8am to 5pm.

SSARS 21 went into effect December 31, 2015, and will have the most significant impact on compilation and review engagements since the introduction of these services with the issuance of SSARS 1. (Yes, even more of an impact than SSARS 19!)

If you perform compilation or review engagements, this course is an absolute must. Kurt will explain every aspect of the changes and provide sample reports, checklists, engagement letters, quality control documentation, and everything else you need to effectively implement SSARS 21.

Kurt served on the committee that issues SSARS and has been in close contact with the AICPA throughout the development of this standard in order to ensure that you will receive the most accurate information available. This course will also explore whether or not the new preparation standard that becomes effective with SSARS 21 is appropriate for your firm.

  • Applicability of SSARS
  • How to manage the changes to SSARS in your practice
  • Financial Reporting Frameworks
  • Engagement issues
  • Performance Requirements
  • Reporting Requirements
  • Documentation Requirements
  • Tips to make your practice more profitable

Meet the Speaker

Kurt G. Oestriecher, CPA is a partner with Oestriecher & Company, CPAs of Alexandria, Louisiana and has been with the firm since graduating from Northeast Louisiana University in 1986 with a BBA in Accounting. He is partner in charge of accounting and auditing services, and is also involved in litigation support and small business consulting engagements.

He is a member of the American Institute of Certified Public Accountants (AICPA) and the Society of Louisiana Certified Public Accountants (LCPA), and served as President of the LCPA in 2002–2003. He has chaired the Louisiana Accounting and Auditing Conference Committee, Strategic Planning Committee, Budget Committee, and Nominating Committee.

Kurt was the recipient of the 1998, 2006, and 2010 Outstanding Discussion Leader Award from the LCPA, and was named the 2006, 2007, 2008, 2009, 2010, 2011, and 2012 Outstanding Discussion Leader for the AICPA.  He has authored and co-authored many educational courses on accounting and auditing topics, including the AICPA “Annual Update for Accountants and Auditors”, and “Auditor Communications – Critical New Requirements”.

Kurt served a four-year term on the Accounting and Review Services Committee of the AICPA from 2000-2004, and served a six year term on the AICPA Joint Trial Board from 2005-2011 .Kurt is currently a member of Council of the AICPA.  He was also an Adjunct Instructor of Accounting at LSU-Alexandria and Northwestern State University.

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Leadership Alabama gives established leaders across Alabama exposure to the broader fabric of the state. It develops a network of relationships and provides a structure for this network to seek mutual understanding of problems and priorities for Alabama’s future. Leadership Alabama encourages its members to act, individually and in concert, to move Alabama forward to help our state reach its full potential.

Upcoming Events


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A Simple Strategy for Inspiring a Shared Vision

One important challenge Jim Kouzes and Barry Posner often raise addresses an issue nearly every leader can identify with: in a business climate defined by change, how do we find time to recognize and encourage others?  In an event Jim participated in a while back with Sonoma Leadership Systems, he had a few suggestions that inspire us in our work with clients every day—a few simple yet powerful actions we all can take to thank and inspire others:

Daily Action: Thank each person on your team at least once a day for contributing to high performance.

Daily Practice: Ask yourself "What have I done today that demonstrates the values that I hold dear to me? What will I do tomorrow to demonstrate my values?"

Weekly Practice: Then ask "What have I done this week to improve so that I am more effective that I was last week?" Ask your team members to reflect on the same question

Jeni Nichols is President of FlashPoint, a Global Training Partner for The Leadership Challenge, where she leads a team of creative, experienced leadership development professionals in fulfilling the firm’s vision of developing a “well-led world, one leader at a time.” She can be reached at www.flashpointleadership.com.


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Po Joan Carles I, No:23
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Ibiza, IB Spain

Estela Estevez Abal
+34 971 931 562

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Estela Exclusive Homes

Estela Exclusive Homes has been serving the luxury real estate market of Ibiza and Madrid for over 15 years. The company’s extensive list of international clientele has been developed through superior service and personal recommendations. Continued success of Estela Exclusive Homes is predicated on the company’s dedication to understanding each client’s profile, their preference for discretion and an extensive knowledge of available properties. Estela Estevez, founder of Estela Exclusive Homes, ensures that the company remains dedicated to the core principles of taking care of the unique needs of each individual client served.


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Mural: Bringing the Garden Inside

Teacher Coleman Rose brought the Journey North tulip garden into his classroom at Tyler Elementary with this creatively interactive mural.

In the fall or winter start the mural:

  • Use bits of recycled, torn paper and paint to create the garden
  • Make your tulip bulbs and place them 7" down under
  • Add roots
  • Once your garden starts to emerge, explore how the bulb has grown
  • Add information about the growing tulip to your mural as you explore the changes in your test garden
digging the bulb digging the bulb adding the igging the bulb
When the tulip bulbs began to sprout we dug one up from the garden to examine it. We brought the sprouted bulb into the classroom, and using paper and markers we made models of leaves and stems for the mural. We had already made paper bulbs that we "dug" 7" inches down into the paper soil. We added the tulip leaf and stems.
digging the bulb digging the bulb
Here's what the soil looks like with the sprouted bulb. Our mural isn't done yet. What do you think we'll add next?
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Copyright 1997-2017 Journey North. All Rights Reserved.   Contact Us    Search

map of Stuart Island


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Sunday, January 22, 2006 - 12:00 AM
Former Marine is "Marlboro Man" no more
By Jim Warren
Knight Ridder Newspapers

LONG FORK, Ky. — The steep mountainsides in western Pike County are painted in the drabbest of winter browns and grays now, but already there is a feeling in the air that the land is ready to break out with spring color.

Maybe that's a good omen for a young man back home after a tour in Iraq but still struggling to cope with the psychological shocks that cut short his career in the U.S. Marine Corps.

Millions of Americans remember him only as the "Marlboro Man": the grubby, exhausted Marine lance corporal with a cigarette dangling from his lips in a famous 2004 photograph from the battle for Fallujah. The picture became one of the iconic images of the Iraq war.

Around Pike County, though, he's just plain Blake Miller, 21, and a civilian again. Today, he's intent on getting over the blackouts and the nightmares, and building a new life with his new wife, Jessica.

And the man whose image became a symbol of the war now wrestles with his own feelings about the conflict.

Today, he doesn't look much like that 2004 photograph. He's clean-cut, with brown hair and a thin mustache, still close to his high-school football playing weight of 155. He still smokes a little more than a pack of Marlboros a day but has cut down from the five packs he was burning through every day at the height of the Fallujah battle.

He carries some shrapnel scars — and some scars you can't see.

"I could tell you stories about Iraq that would make the hair stand up on the back of your neck," he said. "And I could tell you things that were great over there. But that still wouldn't tell you what it was actually like. You had to be there and go through it to really understand."

Psychological impact

Miller said he began having problems soon after returning from Iraq last year: sleeplessness, nightmares, times when he would "blank out," not knowing what he was doing or where he was.

Just after Hurricane Katrina last fall, Miller was sent to New Orleans, where he and other Marines waded through flooded neighborhoods, recovering bodies. Along the way, the stresses piled up, and they boiled over a few days later while Miller was on board the USS Iwo Jima, a Navy ship on hurricane duty off the Gulf Coast.

"I was coming out of the galley, when this sailor made a whistling noise that resembled the sound of a rocket-propelled grenade," Miller said. "You had to have heard that sound to duplicate it. I don't know why he did it. Maybe he was just poking fun at Marines. But something just triggered and I flipped out.

"They said that I grabbed him, threw him against the bulkhead and put him down on the deck, with me on top of him. But I have no recollection of it whatsoever."

There had been some other incidents. Eventually, three military psychiatrists diagnosed Miller as having post-traumatic stress disorder. The Marines, concluding Miller could be a threat to himself or to his teammates in any future combat situation, granted him an early but honorable discharge.

Miller became a civilian Nov. 10, the one-year anniversary of the date the photograph from Fallujah hit the newspapers.

"At first, I was irate because I wanted to stay in and make a career out of it," he said. "I liked being a Marine ... But I decided that this is what I'm stuck with, so I've got to deal with it."

Now, Miller regularly sees a therapist (the government is picking up the bill) and he said he is doing well. He wants the public to better understand post-traumatic stress disorder (PTSD) and realize that those who have it don't deserve public stigma.

"The biggest reason I did this interview is because I want people to know that PTSD is not something people come down with because they're crazy. It's an anxiety disorder, where you've experienced something so traumatic that you were close to death.

"A lot of Vietnam vets suffered from PTSD, but nobody took the time to understand or help them. Now, some of those guys are living on the street. You look at their situation, and you think about what they did for their country and where they are now ... that hurts."

Doubts over war

He has gone through other changes, including doubts about the war.

"When I was in the service, my opinion was whatever the commander in chief's opinion was," he said. "But after I got out, I really started thinking about it. ... The biggest question I have is how you can make war on an entire country, when a certain group from that country is practicing terrorism against you. It's as if a gang from New York went to Iraq and blew up some stuff, and Iraq started a war against us because of that.

"I agree with taking care of terrorism. But after terrorism was dealt with, the way it was after Fallujah, maybe that was the time for us to pull out. That's just my opinion. It blows my mind that we've continued to drag this out."

James Blake Miller grew up in Pike County, the oldest of three active, athletic brothers. He decided very early that, like his grandfather, he would become a Marine.

Greg Napier, Miller's football coach at Shelby Valley High School, recalls that when he asked new students to list their career goals, Miller wrote: U.S. Marine Corps. He said Miller worked so hard compensating for his lack of size that he injured his shoulder lifting weights and had to give up football.

"I think that was the saddest I ever saw him," Napier said. "He was afraid he wouldn't get into the Marines because of his shoulder, but they did take him."

Miller joined the Marines after graduating in 2003 and was assigned to the infantry. He went to Iraq the next year with Charlie Company, 1st Battalion, 8th Marines and became a part of the Marine force assembled to clear insurgents out of Fallujah. The monthlong operation is remembered as perhaps the toughest of the war.

Even now, Miller struggles trying to describe it.

"You see movies where somebody gets shot. It's nothing to see somebody get shot; that's just a movie.

"But when you see it in real life, it's completely different ... the feeling you have afterward is completely different. Even when you're being shot at, and you're returning fire ... whether you've hit anybody or not ... it's knowing that you're actually shooting at somebody. At the time you don't think about it... but afterward, it's mind-boggling, it really is."

On the second day of the battle, Miller and some buddies found themselves on the roof of a building, under heavy sniper fire. Into the action rushed Luis Sinco, a Los Angeles Times photographer embedded with Miller's outfit.

"We had no idea he was coming up the stairs; in fact, we almost shot him," Miller said. "But when he got up there, he decided to snap some pictures."

Sinco recalls that he took cover behind a wall and that a Marine came over, sat down beside him and lit a cigarette. It was Miller. Sinco raised his camera and fired the shutter.

When Sinco got ready to electronically transmit his photos back to the Los Angeles Times later that night, he wasn't very impressed with the picture. It was just another shot of another Marine. Indeed, it was the last picture he selected to send that day. It turned out to be perhaps the most memorable picture of the war so far.

Sinco, who has stayed in touch with Miller, said he thought his editors would be more interested in action pictures.

"But somehow that portrait just resonated with everyone who saw it," Sinco said. "It's as if all the emotions of the war converged on Blake's face at that moment: bravery, doubt, hope, fatigue, despair. It's all written on his face."

The photo was carried in more than 100 U.S. newspapers, including The Seattle Times, put on national television, and published all over the world.

"Famous Marine"

Shortly after the photograph appeared, he was told that Maj. Gen. Richard Natonski, commander of the 1st Marine Division, was on the way to see him.

"The general said, 'You're a pretty famous Marine today,' " Miller recalled. "I said, 'With all due respect, sir, I don't understand what's going on.' He said, 'Your picture is all over the United States right now. They were saying the picture would go into history books,' and I thought that they were joking."

Sinco said the Marine Corps offered to pull Miller out of the Fallujah battle then, not wanting the suddenly famous Marine to be injured or killed. But Miller refused.

His mother said he insisted he was no hero and wanted no hoopla.

He and Jessica married in June. Problems with post-traumatic stress have cast a cloud over what has been an otherwise joyous time for the two. Nevertheless, they are looking to the future. Blake is thinking of starting a business.

He and Jessica live with her grandparents in western Pike County. They plan to build a home nearby.

"Right now," Miller said, "I'm just glad to be here."


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Spires JEB Greenberg and Marc McGrory recognized by NABC

Even after graduation, two Saint Mary basketball players continue to represent the university and program in a positive light.
For their strong academic performances over the 2012-2013 season, USM grads JEB Greenberg and Marc McGrory won distinction from the National Association of Basketball Coaches (NABC) earlier this week in academic achievement.
To qualify for the NABC Honors Court, student athletes must have had a cumulative GPA of 3.2 or higher at the conclusion of the 2012-13 academic year.
“I’m proud of both JEB and Marc for being named to the 2013 NABC Honors Court. It shows how committed both of them have been on as well as off the court during their basketball careers here at Saint Mary,” said Spires head coach Jon Bishop.
Greenberg, a guard from Leavenworth, and McGrory, a center out of Columbia, S.C., were key parts of a Spires team that won the Kansas Collegiate Athletic Conference regular season title and advanced to the National Association of Intercollegiate Athletics Division II national tournament.
Both earned their bachelor’s degrees from Saint Mary in May.
“We strive for our players to be excellent in everything they do and these two guys are great examples of that,” Bishop said.


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Lee College Board Of Regents

The Lee College Board of Regents is composed of nine Regents who are elected at large in a district wide election. Elections are held on the first Saturday in May in even numbered years. Three or more Regents are elected, depending upon the number required to constitute a board of nine to serve staggered six year terms.

The Board has three general functions: legislative or policy making; appraisal or evaluation; and oversight of the President’s administrative duties. The Board generally meets on the third Thursday of every month to discuss matters relating to college operations, policies, personnel, legal, real estate, purchasing, and budget topics.

Employees of the college and the general public who want copies of minutes, agenda’s and board policies should place written requests for such with the Administrative Assistant to the President/Secretary to the Board in Rundell Hall.


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Project CORRE

Project CORRE stands for Cyber Outreach Risk-Reduction Education and was created to provide education, information and referrals to people who use the Internet. Using websites, chat rooms and social networking sites, Project CORRE specifically helps to address the HIV/STD prevention needs of gay, bisexual and other men who have sex with men (MSM) engaging in sexual practices with sex partners met through the Internet.

Legacy’s trained Cyber Health Educators provide prevention education and risk reduction counseling, referrals and support to gay, bisexual, and other MSM who use the Internet. These Cyber Health Educators also promote health and wellness by encouraging positive health-seeking behaviors, including getting tested for STDs and HIV, getting tested for Hepatitis C, and accessing primary care services for illnesses.

The Internet allows the Cyber Health Educator to answer questions that some men might feel reluctant to discuss in a face-to-face HIV counseling session, at a community outreach site or other place where Legacy provides services.

You can easily contact one of the Cyber Health Educators by emailing your question to

This innovative program was created at Legacy and has served as a model program in both the U.S. and Canada. Many organizations across both countries have adapted this program for their community. Project CORRE was also used in the development of the National Guidelines for Internet-based STD and HIV Prevention: Accessing the Power of the Internet for Public Health.


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Zika Virus Information Center

About Zika Virus

  • Zika is transmitted primarily through the bite of an infected Aedes species mosquito. The virus can also be spread by a man to his sex partners. No vaccine exists at this time.
  • There is an outbreak of Zika in more than 40 Latin American countries, listed Legacy Community Health advises pregnant patients to postpone travel to these countries if they are pregnant or considering pregnancy. Zika can cause birth defects.
  • Let your healthcare provider know if you are pregnant and have traveled to an area with Zika in the past 2-3 weeks, even if you don’t feel sick.

Pregnant Women (adapted from the CDC)

  • Zika virus can be passed from a pregnant woman to her fetus, and infection during pregnancy can cause a serious birth defect of the brain called microcephaly and other severe brain defects.
  • Women who are pregnant should not travel to areas with Zika. If you must travel to one of these areas or if you live in an area with Zika, talk to your doctor or other healthcare provider and strictly follow steps to prevent mosquito bites and to prevent sexual transmission.

Symptoms (adapted from the CDC)

  • Most people infected with Zika virus won’t even know they have the disease because they won’t have symptoms. The most common symptoms of Zika are fever, rash, joint pain, or conjunctivitis (red eyes). Other common symptoms include muscle pain and headache.
  • See your doctor or other healthcare provider if you are pregnant and develop a fever, rash, joint pain, or red eyes within 2 weeks after traveling to a place where Zika has been reported. Be sure to tell your doctor or other healthcare provider where you traveled. The illness is usually mild with symptoms lasting for several days to a week.

Prevention (adapted from the CDC)

  • Avoid mosquito bites by using insect repellents, wearing long-sleeved shirts and long pants, and staying in places with air conditioning and screens to keep mosquitoes outside. Take steps to control mosquitoes inside and outside your home.
  • Use condoms. To help prevent spreading Zika from sex, you can use condoms, correctly from start to finish, every time you have sex. This includes vaginal, anal, and oral (mouth-to-penis) sex. Not having sex is the only way to be sure that someone does not get sexually transmitted Zika virus.


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Bristol Lawyers

Instantly Post Your Case to Bristol Attorneys

There's no cost to post your case using LegalMatch. We instantly submit your legal issue to licensed, pre-screened attorneys in your area for review. When interested Bristol lawyers respond to your case with an offer of service, we provide you full attorney profiles that include background information, fees, and ratings by other LegalMatch users so you can choose the right lawyer for you. Our system is 100% confidential and you only reveal your identity to an interested attorney when you choose to do so. Click to learn more about how LegalMatch works.

Bristol is home to 25,000 Sullivan County residents who are just across the street and state line from their sister city Bristol, Virginia. Bristol is home to the Bristol Motor Speedway which is a NASCAR short track. The Bristol Motor Speedway also hosts the two-day DukesFest that celebrates the “Dukes of Hazard” television show and iconic Dodge Charger General Lee.

Bristol Real Estate lawyers, Bristol Divorce Lawyers, Bristol bankruptcy attorneys, Bristol custody lawyers, Bristol criminal defense attorney, Bristol dui lawyer

A number of Bristol residents are also certified lawyers. Lawyers in Bristol counsel on a number of issues like bankruptcy, divorce, wrongful termination, personal injury, and criminal cases like DUI charges.

Recently in Bristol, the family of Anne Brightwell filed a lawsuit against the Cambridge House hospice care. Brighwell’s family alleges that the Cambridge House broke her femur that was neglected and, as the medical examiner reported, eventually killed her. Brightwell’s family has filed a $2 million personal injury and wrongful death claim and a number of facsimiles and records indicate her femur was broken in Cambridge House care.

The Sullivan County Circuit Court handles tort, contract, real property, probate, civil, and domestic relations cases like divorce and child custody matters. The Bristol Municipal and Juvenile Court handles cases against juveniles, traffic tickets, and ordinance violations in addition to misdemeanor hearings and some preliminary criminal hearings. The Bristol General Session Court can handles small claims cases that are less than $25,000 and marriage dissolution which is not divorce.

LegalMatch is the best way to find a bar certified lawyer in Bristol, Sullivan County, Tennessee, or anywhere in the United States. LegalMatch offers a free pairing service that guarantees your satisfaction. Legalmatch’s LegalCenter provides forums on law, an online law library, and tips for choosing the best lawyer for your particular case. Also, check out our Law Blog.

For more information on Bristol lawyers and courts, please see the links below:

Find Bristol Lawyers Now

Let LegalMatch Find Bristol Lawyers for You!

Last Modified: 04-16-2016 03:46 AM PDT

419 cases posted to LegalMatch lawyers in Bristol

LegalMatch Service Mark

State Lawyers | County Lawyers | City Lawyers


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Quickly and Easily Find An Attorney That Can Help You!

The Jonathan Y. Short, P.C.

The Jonathan  Y. Short, P.C.

2121 Eisenhower Avenue
Suite 200
Alexandria, Virginia 22314
United States

Telephone: 703-465-5505
Firm: The Jonathan Y. Short, P.C.
Practice Overview:
Criminal Defense , Criminal Defense Attorney ,Grand Larceny Attorney, Lawyer, Legal

Professional Profile:
When you face a Criminal Defense case, you want as much knowledge and versatility on your side as you can get. With the lawyers of The Jonathan Y. Short, P.C., you get a team devoted to understanding the local nuances of Alexandria area Criminal Defense cases. Our team studies Alexandria area court rulings consistently. After 26 years, we have seen every tactic in the book used by the state.

The Jonathan Y. Short, P.C. is a strong advocate during the discovery phase of the trial, and no element of your case will go unexamined. We have 26 years experience negotiating with Alexandria area prosecutors in Criminal Defense cases and will effectively negotiate a reasonable settlement in your case if you decide to go that route. If you decide to go to trial, our careful understanding of Alexandria court rules means that every right you have will be asserted and pursued to the fullest extent of the law. The Jonathan Y. Short, P.C. lawyers are expert litigators and know how to present facts and arguments to juries in Criminal Defense cases in a way that they can understand and relate to.


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Esso Hockey since 1936

Inducted 1975.
Born 23 October 1913
Moncton, New Brunswick.
Died 23 September 1986.
Played 7 NHL seasons
from 1936 to 1943.
Legends Of Hockey

Esso Hockey since 1936
"I don't think there's a player in hockey who can shoot the puck more accurately, even if you leave him an opening the size of the puck, he'll hit it every time."
-Hall of Fame goaltender Turk Broda

Previous List
Statistics and Awards
Drillon, Gordie

Esso hockey medals of achievement


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Bill Status
WV Code
Audits/ Reports
‹ Back  |  print page Print
WVC 18A-2-8A

§18A-2-8a. Notice to probationary personnel of rehiring or nonrehiring; hearing.

The superintendent at a meeting of the board on or before May 1 of each year shall provide in writing to the board a list of all probationary teachers that he or she recommends to be rehired for the next ensuing school year. The board shall act upon the superintendent's recommendations at that meeting in accordance with section one of this article. The board at this same meeting shall also act upon the retention of other probationary employees as provided in sections two and five of this article. Any such probationary teacher or other probationary employee who is not rehired by the board at that meeting shall be notified in writing, by certified mail, return receipt requested, to such persons' last known addresses within ten days following said board meeting, of their not having been rehired or not having been recommended for rehiring.

Any probationary teacher who receives notice that he or she has not been recommended for rehiring or other probationary employee who has not been reemployed may within ten days after receiving the written notice request a statement of the reasons for not having been rehired and may request a hearing before the board. The hearing shall be held at the next regularly scheduled board of education meeting or a special meeting of the board called within thirty days of the request for hearing. At the hearing, the reasons for the nonrehiring must be shown.

Note: WV Code updated with legislation passed through the 2016 Regular Session
The West Virginia Code Online is an unofficial copy of the annotated WV Code, provided as a convenience. It has NOT been edited for publication, and is not in any way official or authoritative.
This Web site is maintained by the West Virginia Legislature's Office of Reference & Information.  |  Terms of Use  |   Web Administrator   |   © 2017 West Virginia Legislature ***


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Vital Football

Latest Leicester City News

Leicester City 1 Watford 0

Leicester City 1 Watford 0
David Nugent`s late header gave Leicester City a slender advantage over Watford after an entertaining Championship play-off semi-final first leg.

The Foxes were the better side in the first 45 minutes but were unable to break the deadlock despite Ritchie De Laet and Michael Keane coming close for the hosts.

Watford, who were without suspended top goal-scorer Troy Deeney, did improve after the interval and could have taken the lead through Matej Vydra, but the visitors were wasteful in front of goal despite having a number of clear cut opportunities to score.

Gianfranco Zola`s side were made to pay in the 82nd minute when David Nugent rose highest to meet Anthony Knockaert`s curling free-kick and head past Manuel Almunia from ten yards.

It was Nugent`s first goal in 17 games but it could not have come at a better time for Leicester City, who now travel to Vicarage Road on Sunday for the second leg of this delicately-balanced play-off tie.

Nigel Pearson will have been pleased with his side`s approach to the game, who having been minutes away from a season-ending draw against Nottingham Forest last weekend now find themselves 90 minutes away from a trip to Wembley.

The hosts started the first-half brightly, testing Watford down the left wing with the pace of Lloyd Dyer and Jeffrey Schlupp, and had their first shot on goal when Michael Keane found space in the penalty area from a corner-kick.

At the other end, Kasper Schmeichel was on hand to make a quick double save from Ikechi Anya and Matej Vydra as Watford broke on the counter-attack, before Marco Cassetti saw his ambitious long-range effort clear the crossbar.

David Nugent then had a glorious opportunity to put Leicester ahead midway through the first-half, but fired wide after Lloyd Dyer had picked the striker out with a good ball back across goal.

Leicester had two fine chances to go in at the break with a goal advantage when Anthony Knockaert fired straight at Almunia from close-range when he might have picked out a teammate in the penalty area, before Michael Keane volleyed wide from twelve yards.

Leicester were still dangerous pushing forward in the second-half, with Jeffrey Schlupp firing wide after a clever one-two with Chris Wood, although Watford were much improved after the break and should have gone ahead when Matej Vydra found himself one-on-one with Kasper Schmeichel but the Udinese loanee`s tame effort did not trouble the Leicester goalkeeper.

Vydra then tested Schmeichel again from eighteen yards, this time forcing a spectacular save from the Danish international, before Alex Geijo headed over Ikechi Anya`s cross to the back post with just over ten minutes remaining.

It looked as though the game would end in a stalemate, but when Harry Kane won a free kick in a dangerous position, Anthony Knockaert swung a dangerous curling ball into the Hornets` penalty area and David Nugent rose highest to head the ball past Manuel Almunia to give Leicester an important 1-0 lead.

It was a deserved goal for Leicester and a long-overdue one for Nugent, who had gone 17 games without finding the net for the Foxes - but this one came just at the right time.

Leicester then grew in confidence for the remainder of the game and might have doubled their advantage when substitute Harry Kane`s looping ball to the back post found Anthony Knockaert, but the Frenchman`s header lacked power and was easily collected by Manuel Almunia.

Watford pressed in stoppage time but Leicester`s backline were equal to the threat and were happy to see out the remaining seconds of the match and wait for the final whistle.

Nigel Pearson`s side will now turn their attention to Sunday`s return leg at Vicarage Road, although they will take with them a narrow advantage over their play-off rivals.

Date:Thursday May 9 2013
Time: 11:40PM

Leicester should have scored 3.. Result is good for us as a one nil is nothing for the leading goal scorers in the league & second in the whole football league.. Deeney will be back for us which is huge.. Advantage Watford & bring it on....
10/05/2013 10:36:00
Congrats on Sunday's win - unfortunately you were the better side over two legs. Good luck in the final!
15/05/2013 11:17:00
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League Table

# Team P W D L Pts. GD
1 Chelsea 21 17 1 3 52 30
2 Spurs 21 13 6 2 45 29
3 Liverpool 21 13 6 2 45 25
4 Arsenal 21 13 5 3 44 26
5 Man City 21 13 3 5 42 15
6 Man Utd 21 11 7 3 40 12
7 Everton 21 9 6 6 33 9
8 WBA 21 8 5 8 29 0
9 Stoke 21 7 6 8 27 -6
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Adults Activity Host – Work Abroad

11 Jan 2017
08 Feb 2017
Job Type
Full Time

Thomson Sensimar is a collection of holidays that has been created for adults. The hotels in this range are geared up to help you relax, reconnect, and leave your everyday routine behind. During the day, you can take it easy by the pool, or dip in and out of our programme of well-being activities. In the evenings, smart restaurants and low-key entertainment are what it’s all about.

Thomson Sensimar Experience & Activity Host, Summer 2017

Joining Thomson as a Sensimar Experience & Activities you will make a big difference to our Adults & Couples Concept abroad by delivering a low-key creative activity and experience programme in one of our flagship International Adult-only Concept Hotels.

What you will be doing

As the Sensimar Experience & Activities Host you will have the genuine desire to build relationships and make a positive difference to adult guests of all ages through natural PR. By day you will organise and host opt-in activities such as French Boules, Shuffleboard and Beach volley.

You will be passionate about your destination and develop creative local experiences such as secret walks, local cooking and cocktail demonstrations. When the sun goes down you will become the host of the hotel’s light entertainment and themed evenings such as White Night, Beach Party or introducing local acts.

In addition to Entertainment, you will support the Concept & Guest Relations Manager to solve problems and help all of our guests ‘Discover their smile’.

What we are looking for

  • A well-presented and passionate professional ready to help us Create Smiles for adults & couples of all ages
  • Will genuinely enjoy interacting with guests, hosting activities, experiences and low-key evening entertainment
  • Comfortable to work with European guests and working as part of a small international team
  • Resilient and able to cope with long and varied working hours
  • Fluent English additional languages advantageous
  • Willing to work in any of our Holiday Destinations and attend training in March or April

Working within TUI group

TUI Destination Services is part of TUI Group, the world’s number one tourism business operating in 180 countries worldwide. Our 77,000 colleagues work hard to deliver our customer promise ‘Discover your smile’

Help us to Create Smiles and in return you will be rewarded with a competitive salary and benefits including return flights and accommodation. You will have the opportunity to learn language skills and build an international career as part of our exciting multi-cultural team.


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TECUMSEH — Contracts with three unions were approved Monday by the Tecumseh Board of Education. All three of the bargaining units approved the contracts earlier in the day.

The contracts with the Tecumseh Education Association, Tecumseh Admini- strators Association and the Instruction Assistants Group will run through the end of the 2012-13 school year. Superintendent Mike McAran said the district has not had active contracts with any of the bargaining units since the end of the 2008-09 school year.

Lori Spotts, TEA president, handed out a statement sheet at Monday's board meeting. In it, she said the teachers union made concessions on some of the contract language, as well as on teacher report and end times, and an increase in class sizes in a number of high school elective classes. In exchange, teachers received a cash payment.

"While the teachers appreciate the one-time, lump sum payment of $1,000, it doesn't ease the financial impact that state legislation has created for public school employees," her statement read. "Four consecutive years of no raises, and two years of state mandated salary freezes, has created a situation where Tecumseh teachers are taking home smaller paychecks today than they did in 2008-09."

Negotiations on new contracts with the unions will begin again after the school year ends, McAran said. At that time, the district expects to have a new superintendent as McAran is retiring at the end of the 2012-13 school year.


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ADRIAN — The first of 37 students who enrolled two years ago in a Lenawee County middle college program recently graduated with two-year degrees and have plans to continue their college education, all by the age of 16.

Brian Grahl of Tecumseh, William Garcia of Adrian and Alyssa Newsome of Adrian participated in Jackson Community College’s fall commencement program Dec. 15. They were part of the Jackson Community College/Lenawee Intermediate School District Academy Middle College program. Kyle Griffith, head administrator at the middle college, said the three have proven what determination can do.

“We emphasize college-readiness in our programs,” Griffith said. “But these students are college-proven. This is a victory for the program and the county. It goes to show the kids can do this. It’s amazing.

“And to think they all did this before their 16th birthdays,” Griffith said. “That’s an amazing accomplishment.”

The middle college program gives students the opportunity to earn a high school diploma and dual credits toward an associate degree at JCC. Additional credits may be applied toward transferring to a four-year institution. The academy targets underserved students from around Lenawee County and puts them in line for more individualized schooling.

Grahl, who transferred from Britton Deerfield Schools to the academy, plans to pursue a business degree at a four-year university, Griffith said. Newsome, 15, who transferred from Adrian High School, said she plans to continue her education in 3D animation once her portfolio is complete. Grahl and Newsome are set to receive their high school diplomas from the academy in May.

Garcia transferred out of the program earlier in the fall and now participates in the academy’s early college alliance with Eastern Michigan University, Griffith said.

Newsome said she is grateful for the unique educational opportunity and without the expenses associated with colleges.

“One of the most remarkable things about this is that I did it through the public school system,” she said. Aside from transportation costs, she said, “I didn’t have to pay for anything.”


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Reject the Columbia schools bond proposal… God’s Bread Basket helps feed Tecumseh… A woman to be praised

Reject the Columbia schools bond proposal
To the editor,

One has to ask “WHAT PART OF NO” does the Columbia Schools Administration not understand. The two “unlimited tax” bond proposals can raise up to $30,625,000 in total. WOW! That is a lot of our tax dollars. That amounts to $3.05 per each $1,000 taxable value on your home. You do the math. That is hundreds of extra dollars per year for most of us, FOR THE NEXT 30 YEARS.

The wording on Bond Proposal 1 is identical to a past proposal that voters overwhelmingly rejected. Why did the voters reject it, because the money was not specifically earmarked for “infrastructure repairs” which are surely needed. Once again the wording in the bond proposals does not mention infrastructure repairs or replacement. According to Exhibit A from Columbia Schools “the proceeds (from the bonds) may not be used for repair or maintenance cost, salaries or other operating expenses” (state law). The brochure passed out by Columbia Schools admits 46 percent of the bond monies will be used for “safety” and 11 percent for “smart” technology, or 57 percent. If we assume the other 43 percent, 29 percent “warm” and 14 percent “dry” will be used for infrastructure repairs, if possible, one has to ask if the 57 percent, or $17,456,250 is really needed? I think not.

Bond Proposal 2 is admitted to be for remodeling and adding onto the elementary and middle schools to create an “upper and lower elementary campus.” The persons responsible for these very costly ideas should remember, children are sent to school to be educated, not to have a campus experience. The new schools being built nowadays are beautiful, but does that help educate? I think not, but it does cost us taxpayers much. Spending the proposed amounts of money on buildings that are 45 to 60-plus years old must be questioned.

Are we to believe future Columbia Schools administrations are not going to request of voters additional monies in the next 30 years? Sure, there will be additional requests for more of OUR money.

Ask yourselves, am I willing to commit to 30 years of taxation full knowing I will be asked for additional funding in the future? Please vote “NO” on both bond proposals, as I intend to.

Richard Alan Griggs
Woodstock Township
Columbia Schools taxpayer

God’s Bread Basket helps feed Tecumseh
To the editor,

The board of directors for God’s Bread Basket in Tecumseh would like to express our appreciation to the city of Tecumseh, and all the generous people in the community for their support and the huge contributions of food to our organization during the “2013 Classic Car and Bike Show.”

During this slump in the economy, our coffers have shrunk drastically and your contributions in food have helped to feed the needy in a very big way. We serve food five evenings every week. On Mondays, our location is the Presbyterian Church building at 211 W. Chicago Blvd., and Tuesday, Wednesday, Thursday and Friday evenings it’s at the Tecumseh Church of Christ building at 312 W. Chicago Blvd.

We especially thank Tecumseh City Manager Kevin Welch and Tecumseh Fire Chief Joe Tuckey for their personal involvement in this effort, and to everyone else who had a part in our food drive. We love Lenawee County!

Bernie Callis

A woman to be praised
To the editor,

PNEUMA Women’s Wellness Centre of Adrian is teaming with other local businesses to honor a special woman in the Lenawee area. Our desire is to have the community nominate women in Lenawee County they believe to be of noble character, and deserving of recognition.

Winning candidates will receive a commemorative inscription stating they have been chosen as “A Woman to be Praised” by their community as well as gifts from local businesses valuing over $600.

If you know someone you would like to nominate, or for more information, please visit

Winners will be announced Friday, Nov. 8, 2013.

All forms for nomination must be received on or before Oct. 31, 2013.
Christy Gagneur


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Client GSI Group, Inc.

GSI Lumonics Office & Manufacturing Plant

Maple Grove, Minnesota

The building is split into separate office and manufacturing space, differentiated by color. The office component includes a product display center for customers, with a long, narrow skylight providing daylighting through the midsection. The manufacturing area is a large, flexible, open space allowing assembly teams to move from station to station. Isolation pads are used to inhibit effects of vibrations resulting from workers moving from one station to another. Other innovations such as structures and flooring were selected to help maintain a “clean” environment, preventing dust and static electricity from affecting laser circuits.

At a glance

140,000 SF

Materials maintain “clean” manufacturing environment

Use of isolation pads inhibit vibrations that affect assembly

Architectural Design

Engineering: Mechanical, Structural, Civil


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You are in: Home > Australia Hotels > Melbourne Hotels > ibis Budget - Fawkner

ibis Budget - Fawkner
1401 Sydney Road (Melbourne) 3060

ibis Budget - Fawkner
Ibis Budget - Fawkner (formerly Formule 1) offers simply furnished budget accommodation on the M80 in northern Melbourne. It is 11 km from Melbourne Airport. Guests enjoy free on-site parking. Ibis Budget Fawkner is just 900 metres from Gowrie Station which links to central Melbourne city, Melbourne Zoo and Victoria Market. The air-conditioned rooms feature a flat screen TV, a desk and a private bathroom. Guest have access to a shared kitchen. A light continental breakfast, self-service laundry facilities and Wi-Fi access are available for an extra charge.
Score from 1109 reviews
Good 6.5/10
Rooms: 103   calendar  (Search)
Address: 1401 Sydney Road, Melbourne 3060  map (Map)

ibis Budget - Fawkner - Photos

What people say

Exactly what we needed, to stay overnight in transit between states with air fares. Close enough 2 airport & expect to pay aprox $30-$35 for a taxi. If wanting access to Melbourne city it would be a fair distance. We didn't need to so it was fine. Reception open late. Own bedroom and bathroom. Security. Quiet. Room was perfect. Bed was incredibly comfortable for a motel!.
all reviews »

Online Booking ibis Budget - Fawkner

When are you thinking about staying at ibis Budget - Fawkner?

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How do I book at ibis Budget - Fawkner?

Making your reservation at ibis Budget - Fawkner is easy and secure with best rates guaranteed. Fill out your preferred dates of stay above and click the 'check availability' button. Then select the number of room/s you'd like to book and click the 'book now' button. Subsequently a reservation form appears where you will be asked to insert your details to confirm your booking. We will then send you an instant confirmation message by email which you need to show during check-in.

ibis Budget - Fawkner Room information

Room Type Max from
Double Room
[Room Information]
AUD 89.00
This air-conditioned room features a flat-screen TV with cable channels and in-house movies, as well as a work desk and a private bathroom.

Room Facilities:
Work Desk, Wake Up Service/Alarm Clock, TV, Toilet, Shower, Satellite TV, Radio, Pay TV, Ironing Facilities, Iron, Heating, Bathroom, Air Conditioning

Amenities at ibis Budget - Fawkner

Airport Shuttle (surcharge)
Wi-Fi/Wireless LAN, Internet Services
Rooms/Facilities for Disabled Guests, Non-Smoking Rooms, Designated Smoking Area, All Public and Private spaces non-smoking, Airconditioning
WiFi everywhere, Private parking, Parking on-site, Free Parking
Food & Drink
Vending Machine (snacks), Vending Machine (drinks), Restaurant (buffet)
Common areas
Communal kitchen
Cleaning services
Golf Course (within 3 km)

Important information to guests

Please note that there is a 1.5% charge when you pay with a credit card. If you expect to arrive outside reception opening hours, please inform Ibis Budget - Fawkner (formerly Formule 1) in advance, using the contact details found on the booking confirmation. A VHA shuttle bus service is available to and from Melbourne Airport for an additional charge. For reservations, please contact the property using the contact details found on the booking confirmation. Access code at the front door is your booking number without dots.

Photo album

Ibis Budget - Fawkner offers accommodation in Fawkner. Guests can enjoy the on-site restaurant. Free private parking is available on site. Every room at this hotel is air conditioned and comes with a flat-screen TV. You will find a kettle in the room. Rooms come with a private bathroom fitted with a shower. You will find a shared kitchen at the property. Melbourne is 14 km from ibis Budget - Fawkner, while Olinda is 40 km from the property. The nearest airport is Melbourne Airport, 10 km from ibis Budget - Fawkner.

ibis Budget - Fawkner Policies

12:00 - 22:00
- 10:00
Accepted CreditCards at Hotel
The hotel reserves the right to preauthorise credit cards prior to arrival.
American Express, Visa, MasterCard, Diners Club, Eftpos, MasterCard
Cancellation Policy
If cancelled up to 3 days before date of arrival, no fee will be charged.
If cancelled later or in case of no-show, the first night will be charged.
Children and Extra Bed Policy
All children are welcome.
All children under 5 years stay free of charge when using existing bedding.
There is no capacity for extra beds/cots in the room.
Deposit Policy
No deposit will be charged.
VAT and city/tourist taxes
10.00 % VAT is included.
Service charge is not applicable.
City/tourist tax is not applicable.
Wi-fi is available in the entire hotel and charges are applicable.
Meal Plan
Continental breakfast costs AUD 7 per person per night.
Free private parking is possible on site (reservation is not needed).
Pets are not allowed.

Terms and Conditions

We never charge your credit card when you make a reservation - you will pay for your stay at the hotel. Our reservation service is free of charge, without any administration fees. Cancellation is also free of charge unless it is clearly stated. We take the privacy of your personal data very seriously. All your personal data is encrypted and processed securely. More information can be found in our terms and conditions and privacy statement.

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" Free secure parking Budget motel with great location, swimming pool & air con"


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Singer dumps LA for Iowa farm to do it her way

Lissie Maurus — Lissie, as she is known to her fans — was well on her way to making it a decade ago, when she was in her early 20s. She had a record deal with Columbia Records UK and a first album that went gold in the United Kingdom and Norway. Tens of thousands of people bought that album. Critics raved. But after her second album didn’t sell as well, she found herself without that record deal and at a crossroads.

What kind of artist did she want to be? Was her pursuit of fame really worth it? What would it mean to “make it”?

She opted for uncharted territory: She left Los Angeles, bought a farm in Iowa and set herself up as an independent artist. It can be a more viable model in this time when singers can reach potential fans more easily via music streaming services and online sales. But there certainly are no guarantees for her or anyone else who takes this route.

“This is what I have to do,” she told those who questioned her decision. “I have a gut feeling about this.”

Even as a child, the sassy towhead with freckles had some pipes — and Lissie liked the notion that her talent could lead to fame.

In third grade, she landed the lead in the musical “Annie” at the dinner theater in her hometown, Rock Island, Illinois.

The daughter of an obstetrician and an interior designer, she had plenty of opportunity, but she was rebellious, cutting off her hair, piercing her nose and becoming more of a loner. After a run-in with a teacher that landed her in jail briefly, she finished high school in an alternative program.

But she never gave up on her music.

She spent a couple years in college in Colorado, then ended up at a performing arts program in LA.

It was at the South by Southwest festival in Austin, Texas, that a big break came when Mike Smith, then an executive with Columbia Records UK, happening upon Lissie.

Pouring rain had prompted him to duck for cover inside a dive bar and he heard her voice from a back room set. Her talent was still raw then, he says. But he heard something her voice. He watched her stamp her foot to keep the beat, her tousled hair waving back and forth. He liked her rocker vibe and blues edge. “I was just really taken with her,” he now says.

Columbia signed her in 2006 and four years later, she finally released her first album, “Catching a Tiger,” which solidified her fan base in Europe and also in her native Midwest after Fat Possum Records released the album in this country.

But then Smith and another of Lissie’s champions left the label, before her second album came out — and the new regime dropped her.

Lissie, who was living in Ojai, California, outside LA, then, let the news sink in. “I was a little bit afraid, and I felt like I’d failed a little bit,” she said.

Mostly, she says she felt relieved. Yes, she’d learned at the label, with its exposure and resources. But she also was frustrated by a process — demands to write more, delays in getting a finished record out, being told her songs weren’t good enough. That became “soul-destroying,” she says.

In mid-2015, she took her savings and bought that farm in Iowa. She had already written some new songs. So she called producer and bass player Curt Schneider, with whom she’d developed a good chemistry. Together, they wrote the title track on her latest album, “My Wild West.”

“I think she tried or a long time to be how the establishment wanted her to be,” Schneider says. “What’s not common is for someone to be brave enough to say, ‘I’m done trying to satisfy other people.'”

The album came out in February, with more good reviews. (Lissie also recently released a live acoustic album, recorded at Union Chapel in North London.)

Smith, the former Columbia exec, says Lissie’s new work is, in many ways, “melodically, the strongest record she’s put out.”

She’s been touring in the United States and Europe much of this year and acknowledges that the traveling can be brutal. But overhead is low, and much of what she makes in ticket and merchandise sales is hers. She now distributes her albums on Lionboy Records, an untraditional label founded by and for music artists, and markets her music with the help of Thirty Tigers, a Nashville entertainment company for independent artists.

A recent show in Minneapolis was sold out at a venue that holds about 625 people. In this case, it was just Lissie, her acoustic guitar and a microphone — not unlike those early days.

“It’s been freeing,” she says. “It’s been fun again.”


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Few days ago the Italian Competition Authority (Autorità Garante per la Concorrenza e il Mercato, Agcm) filed its decision (see here – text available only in Italian) on the case that involved the main Pay-TV operators in the Italian market, Sky and RTI/Mediaset Premium, as well as the Italian Football League (Lega Nazionale Professionisti Serie A) and its advisor Infront, for an alleged alteration of the outcome of the tender which took place in June 2014 concerning the allocation of the Serie A television rights for 2015-2018.

According to the Agcm, the allocation of the television rights resulted in an agreement restricting competition under Article 101 of the EU Treaty, which bans any “agreements between undertakings, decisions by associations of undertakings and concerted practices which may affect trade between Member States and which have as their object or effect the prevention, restriction or distortion of competition within the internal market“.

As alleged by Agcm, said agreement resulted in a market sharing between RTI/Mediaset Premium and Sky, thus hindering the entry of new operators in the market also for the long-term. As a result, severe sanctions were applied: Agcm imposed fines for a total amount of EUR 66 million, most of which were imposed on RTI/Mediaset Premium for its being the first promoter of the negotiation (EUR 51.4 million).

According to most commentators, this will not be the final word on a highly disputed topic, while it may well be an opportunity to re-write the rules for the sports rights allocations, also taking into account the broader EU digital single market reform.


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The Department of Labor has issued its much-anticipated final rule (the “Rule”) concerning the expanded definition of who is considered a fiduciary under the Employee Retirement Income Security Act, as amended (“ERISA”), and the Internal Revenue Code of 1986, as amended (the “Code”), as well as certain exemptions addressing conflicts of interest.

The Rule, released on April 8, 2016, updates a 1975 regulation defining fiduciary investment advice in order to better protect retirement plans, plan participants, beneficiaries, and individual retirement account (“IRA”) owners from conflicts of interest, imprudence, and disloyalty.

The changes in the definition of fiduciary become applicable on April 10, 2017, although the change becomes technically effective on June 7, 2016. This delayed application date gives affected parties a full year to adapt to the new definitions and standards of conduct. In addition, the requirements under the conflict-of-interest exemptions will not be fully applicable until January 1, 2018.

Below is a brief overview of the final Rule and the new conflict-of-interest exemptions. We will continue to review this guidance and communicate through more detailed articles, focusing on the many audiences impacted by this Rule, including employer-sponsored plans, investment advisers, plan participants, and IRA owners.

Covered Investment Advice

The Rule primarily addresses the provision of covered “investment advice.”

More specifically, a person renders investment advice if he or she provides direct or indirect investment advice within certain categories for a fee or other compensation.

This includes:

  • A recommendation as to the advisability of acquiring, holding, disposing of, or exchanging, securities or other investment property, or a recommendation as to how securities or other investment property should be invested after the securities or other investment property are rolled over, transferred, or distributed from the plan or IRA.
  • A recommendation as to the management of securities or other investment property, including, among other things, recommendations on investment policies or strategies, portfolio composition, selection of other persons to provide investment advice or investment management services, selection of investment account arrangements (e.g., brokerage versus advisory); or recommendations with respect to rollovers, distributions, or transfers from a plan or IRA, including whether, in what amount, in what form, and to what destination such a rollover, transfer, or distribution should be made.

The Rule also includes detailed guidance as to what constitutes a recommendation.

Not Covered Investment Advice

Although the Rule sweeps broadly, it also clarifies that many types of communication are not treated as covered investment advice, including:

  • Providing certain educational materials about retirement savings and general investments, including hypothetical asset allocation under plans using a plan’s designated investment alternatives;
  • Sending general communications, including newsletters, marketing materials, and general market data;
  • Offering investment alternatives as a platform provider;
  • Communicating with certain independent plan fiduciaries with financial expertise;
  • Communicating with plans in swap transactions if certain conditions are met; and
  • Providing investment recommendations as employees where such employees receive no additional compensation beyond their normal compensation for such work.

The Best Interest Contract Exemption

The Best Interest Contract Exemption (“BIC Exemption”) allows many current forms of compensation and fee practices to continue, even though they otherwise would constitute prohibited transactions, as long as the BIC Exemption requirements are satisfied. Generally, the BIC Exemption requires that fiduciary status be acknowledged in writing, basic standards of impartial conduct be adhered to, basic information concerning compensation be disclosed, and a website be maintained concerning compensation practices and other information.

The BIC Exemption also includes more limited requirements for level fee fiduciaries. This is because the ongoing receipt of a level fee, such as a fixed percentage of the value of a customer’s assets under management, typically does not raise prohibited transaction concerns as the interests of the adviser and retirement investor are aligned. A conflict does exist, however, when an adviser recommends that a participant roll money out of a plan into a fee-based account that will generate ongoing fees for the adviser that he or she would not otherwise receive, even if the fees going-forward do not vary with the assets recommended or invested. Recognizing that the prohibited transaction in such a case is relatively discrete and limited in duration, the BIC Exemption is easier to satisfy for level fee fiduciaries.

Principal Transactions Exemption

The Principal Transactions Exemption permits investment advice fiduciaries to deal in investments out of their firm’s own inventories. In addition to the requirements generally applicable to the BIC Exemption, the Principal Transactions Exemption also requires that the fiduciary seek the best execution reasonably available under the circumstances.

PTE 84-24

PTE 84-24 allows insurance companies, agents, and brokers to receive compensation for recommending fixed rate annuity contracts to plans and IRAs on a more streamlined basis than would be required under the BIC Exemption. The BIC Exemption, however, does apply to recommendations of more complex annuities (such as variable and indexed annuities).

Next Steps

In preparing for compliance with the Rule, firms that offer retirement advice will undoubtedly need to:

  1. identify employees that engage in offering covered investment advice;
  2. review compensation arrangements of plan advisers for compliance under the Rule;
  3. prepare for compliance with the Rule’s exemptions; and
  4. monitor additional guidance as it is issued.

Employers who sponsor qualified retirement plans now, and in the year to come, should actively review their service provider relationships, while also reviewing their own fiduciary procedures and governance. Now is the time to review internal processes to ensure best practices are followed to guard against risk of fiduciary liability. This will include, at a minimum, reviewing service agreements, monitoring relationships, understanding adviser compensation, and conducting fiduciary trainings where necessary.