What student debt? How the other millennials think about money

By Beth Pinsker

NEW YORK (Reuters) - When Josh McFarland graduated from Stanford he owed $40,000 in student loans and couldn't fathom a way he'd ever pay it off and have a future for himself - not unusual for the typical young adult these days. Then he went to work for Google.

As a product manager, he got stock options and cashed them in over the five years he worked there. He married a fellow Google employee, so she had stock too. Then she moved on to Yelp, and he quit to launch TellApart, which provides technology solutions for e-commerce sites.

Now 33, McFarland has a 3-year-old and a newborn and no longer has to think about his student loan: His company has $17.75 million in venture capital investment. While he doesn't consider himself retire-now rich, his piece of the company affords him what he calls "breathing room" and what other people might call wealth.

McFarland is on the starting end of Generation Y, the cohort born in the United States after 1980 that is typically portrayed as saddled with massive student debt, underemployed and underpaid. More than a third of the 80 million group of so-called millennials live with their parents, according to the Pew Research Group.

But McFarland is part of the sizeable minority that is doing quite well: 12 million Gen Y-ers make more than $100,000, according to the Ipsos MediaCT's Mendelsohn Affluent Survey. Many of them, in technology fields, live frugal work-based lifestyles and are not saddled with the six-digit student debt held by doctors and lawyers.

Raised on the Internet and disheartened by having watched the older generations suffer through the tech bubble of 2000 and the recession of 2008, these young adults are viewing their quickly accumulating wealth differently. For one thing, they do not seem as interested in the trappings of wealth, nor are they concerned about stuffing traditional retirement accounts. They see money as a path to career freedom, where they can pick up and start again at will as soon as a more interesting offer comes along.

Increasingly they turn to Web-based wealth management firms or choose do-it-yourself brokerage accounts. Consider the typical clients at Wealthfront, an online investing broker that has amassed $300 million in assets under management by catering to a demographic that is comfortable doing most of their business online. These are people in their early 30s with $100,000 to invest, mostly above and beyond any tax-advantaged retirement plans like 401(k)s and IRAs. Chief Operating Officer Adam Nash estimates that Gen Y techies control about $100 billion in assets.

"The whole idea from the 80s - that you'd make some money and use that money to make more money - this current generation isn't looking at money that way," says Nash. "The typical software engineer isn't dreaming of the day he can quit the rat race. They use their money instead to gain a little bit of control over what they work on and what they do."

INVESTING IN THEMSELVES

The money, when it comes, is for breeding new success, not tucking away until old age. Trip Adler's path is typical: He graduated from Harvard in 2006 with an idea for Scribd, a community-driven e-book publishing platform, and pursued it relentlessly - living with his partners in a tiny apartment in San Francisco on $12,000 in seed funding from the venture capital fund Y Combinator. Scribd took off and now has millions of dollars in funding and deals with major publishers.

Adler, 29, who has profited nicely from all of this, says his biggest splurge is probably angel investing, mostly in companies his friends are starting. "Probably one in five will be a good payoff, but that will pay off the rest. The amount of money being lost is small," he says.

For TellApart's McFarland, long-term planning also focuses on entrepreneurship. He considers himself a terrible stock investor but a good businessman, and intends to make the bulk of his money by developing great companies. (For that reason he's reluctant to start so much as a college-savings plan for his kids, though his wife disagrees.) What he does squirrel away he wants in low-cost index funds, managed as minimally as possible. He is a Wealthfront client.

For the financial firms handling the core of Gen Y's wealth, this no-fuss attitude can present a challenge. Merrill Lynch private banking wealth adviser Rich Hogan says his clients have their own interests to pursue - especially focusing on green technologies and doing social good with their investing - and do not necessarily focus first on performance.

NOT THAT INTO STUFF

These children of the boom 90s also aren't so into conspicuous consumption. "Where I grew up, if you had money, you spent it on toys - all-terrain vehicles, McMansion, and all this stuff," says McFarland. He doesn't think his peers have the same appetite, and says his biggest splurge currently is a night nanny to help with the new baby.

Adler still drives his mom's old car and has only recently stepped up to rent his own apartment. "I don't really have ambitions to make a lot of money just to spend it," he says.

Merrill Lynch's Hogan says this echoes what he hears from his ultra-high-net-worth Gen Y clients. They don't even want to buy houses, because they don't have the time or desire to take care of them.

Where the wealthy young are spending their cash is on experiences - food, wine, even intergalactic travel. Hogan says more than a few of his clients have bought seats on the Virgin spaceship at a couple of hundred thousand dollars a pop. "Those are the kind of cool things that they think about. It's discretionary income to somebody with millions," he says.

Wade Eyerly, 33, has built a millennial-run startup around providing such luxury experiences with SurfAir, which rents out seats on a fleet of private jets. "The thing that sets the millennials apart is travel patterns. They think nothing of going to from Los Angeles to San Francisco for a few hours and then coming back," he says.

Also, there's a bit of a focus on cars, but in a smart way. Merrill Lynch's Hogan says, "I had a client come in and say that he bought a Tesla car - but he had also bought shares in the company. And he told us that he made enough profit on the shares to cover the cost of the car."

(Follow us @ReutersMoney or at http://www.reuters.com/finance/personal-finance. Editing by Linda Stern and Prudence Crowther)

Source: http://news.yahoo.com/student-debt-other-millennials-think-money-140247480.html

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Four-year-old boy gets reelected as small-town Minnesota mayor

Emma Tufts / AP

This handout photo released by the Tufts family shows Mayor Robert "Bobby" Tufts, right, shaking hands with and unidentified woman in Dorset, Minn.

By Sophia Rosenbaum, NBC News

Like many four year olds, Bobby Tufts is set to start preschool this September.

But Tufts isn?t just your average toddler. At age three, he was elected mayor of his small tourist town of Dorset, Minn., and on Sunday, the town reelected him for his second term.

Dorset, which is the self-proclaimed "Restaurant Capital of the World" with a grand total of four restaurants, has an annual food festival the first week of August called the "Taste of Dorset." As part of this time-honored tradition, the mayor for the town is elected, too.

Dorset has no formal city government and the mayor has no official duties, since it was incorporated as part of the nearby town of Park Rapids when ZIP codes were created. Currently, no more than 28 people inhabit Dorset, depending on whether the minister and his family are in town.

It?s easy to get on the ballot and toddlers like Tufts aren?t the only quirky candidates the town has seen in the race. A local dog was on the ballot a few years ago.

The cost of becoming a candidate is just $1.

To celebrate his victory, Tufts and his mother Emma went out for dinner and were planning on fishing or having a bonfire afterwards.

Tufts' agenda captures his love of Dorset and his desire to help others. He plans to replace the welcome sign for Dorset, which currently names the town the "Restaurant Capital of the World."

Fundraising is a passion of Tufts as he has already raised $750 from a walk this summer and he plans to hold events throughout the year that raise money for charities like the Ronald McDonald House Charities of the Red River Valley in Fargo, N.D.

Most of the town?s citizens are happy with Tufts? leadership so far and are looking forward to what he?s going to accomplish in his second term.

"He?s an adorable little guy and he?s been great for our town," said Gloria Driscoll, owner of the Heartland Trial Bed & Breakfast in Dorset.

The Associated Press contributed to this report

Source: http://feeds.nbcnews.com/c/35002/f/663306/s/2f949180/sc/8/l/0Lusnews0Bnbcnews0N0C0Inews0C20A130C0A80C0A50C19877670A0Efour0Eyear0Eold0Eboy0Egets0Ereelected0Eas0Esmall0Etown0Eminnesota0Emayor0Dlite/story01.htm

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July 12, 2013 -- IN THE NEWS: PRI - Coal and Shortened Lives in China

Friday, July 12, 2013
Living on Earth&nbsp &nbsp(Browse all news)

Air pollution has taken a toll on the health of Chinese residents. A person living in the north of the River Huai can expect to lives 5 years less than a person south of the river, an unintended legacy of the government?s policy to give free coal for winter heating in the north of the country. (US Embassy)

New research in China quantifies the relationship between reduced life expectancy and elevated air pollution from coal fired boilers. MIT professor Michael Greenstone tells host Steve Curwood that residents in the north of China live 5 years less on average than those in the south as a result of higher exposure to air pollution from coal combustion.

Transcript:

CURWOOD: Highly polluted air is bad for your health, and that's particularly true when it's air full of small particles from coal-fired power plants, as studies going back for years have shown. But just how bad? Now for the first time, there's a study that actually quantifies how many years of life expectancy are lost to a given amount of particulate exposure. Michael Greenstone is a Professor of Environmental Economics at MIT. He recently published a paper that compared two populations in China that experienced very different levels of polluted air.

GREENSTONE: The basis of the study comes from a Chinese policy that was implemented during the Planning Period.

CURWOOD: This was back in the 1980s we?re talking about.?

GREENSTONE: It dates really from the 1950s to the 1980 period, although the legacy of the policy remains to date. But they didn?t have enough money to provide winter heating for everybody, so they somewhat arbitrarily decided that people who live north of the Huai River, which bisects the country into north and south, would have free winter heating, and that was provided through free coal and building the infrastructure to combust the coal to create heat. And the basis of the study is to compare people who live just north of the river with people who live just to the south of the river. And I should add, in the south, it was forbidden to build heating units.?

So what the study did then is it got data from 1981 to 2000 on pollution, and what we find is pretty dramatic. Living north of the river led to almost 200 micrograms per cubic meter increase in total systemic particulates. Now, of course, most people aren?t familiar with those units, so to put it in context, it was about 350 micrograms per cubic meter in the south, and 550 micrograms per cubic meter in the north, and by comparison, the US average right now is probably 40 or 50. So both the levels are enormous, and the difference between the north and south is also enormous.

CURWOOD: So what did you find when you compared life expectancy for residents in the north versus the south?

?

GREENSTONE: It?s remarkable. So, as I mentioned, just at the river?s edge there?s a jump up in particulates concentrations, and that?s matched by a jump down in life expectancy. Specifically, what we found is people who live north of the Huai River, and were the intended beneficiaries of these policies, have life expectancy about five-and-a-half years less than people who live to the south.

CURWOOD: How many people live in that area to the north?

GREENSTONE: In north China there?s about 500 million people, and so, from that, we deduced that the policy is causing a loss of approximately 2.5 billion life years.

CURWOOD: What kind of illnesses? What kind of deaths were these people going through?

GREENSTONE: All of the effects appear to be coming from elevated mortality rates due to cardiorespiratory causes of disease that are plausibly related to air pollution. So, lung cancer, heart attacks, other respiratory diseases. In contrast, we find no affect on mortality rates associated with causes of death that are non-cardiorespiratory.

CURWOOD: Where you able to break out just how much particulate would lead to just how much lower life expectancy?

?

GREENSTONE: Yes. So, in particular what we find is that an extra hundred micrograms per cubic meter of total suspended particulates is associated with a loss of life expectancy of about three years. And why that?s important is that that can be applied to other settings, both in other countries, and in other parts of China as well.

CURWOOD: Now the wind can carry air pollution from China across the Pacific Ocean to North America. Should people, say, in California be concerned about air pollution from China?

GREENSTONE: There?s always a concern about that, and it would definitely be the smaller particles that would be able to travel that far. I think probably the larger concern for Americans and really everyone who lives on the planet are the increasing rates of carbon dioxide emissions coming from China, which is a completely different pollutant, but is also associated with the combustion of coal and is causing climate change.

CURWOOD: So you don?t worry so much about particulates, you worry about CO2.

GREENSTONE: Yes. I mean, it?s worth emphasizing that China consumes more than half of the world?s coal.

CURWOOD: So what policies does China have now regarding this use of free heat in the north? And what are they doing to address the obvious public health problem?

GREENSTONE: Yes, so the legacy of the policy continues. It?s not quite in the same form. I don?t think the government is running around installing boilers anymore, but they continue to subsidize coal in the north. As an example, I?ve lectured at a university in Chengdu which is a city that?s in the south but it?s in the northern part of the south so they have cold winters. And it was just normal occurrence that when I was lecturing there was no heat in the building and all the students were wearing winter coats. So the legacy of this policy continues today. With respect to policy looking forward, I think what this study has helped to highlight is that consequences of air pollution in terms of human health are greater than what had been previously realized. And perhaps it will tilt the balance as they try to devise the optimal tradeoff between air pollution and increasing incomes.

CURWOOD: What has been the response to your study in China, privately as well as publicly?

GREENSTONE: Two of my co-authors are Chinese. One of them reported that on his microblog he had 300,000 hits in the first eight hours, and that was in response to a post describing the results. I think in the coming days and months, it will be very interesting to see what the impacts are, and the degree to which it affects Chinese policy. Candidly, China has an opportunity here to greatly improve the health of its citizens.

CURWOOD: Michael Greenstone is Professor of Environmental Economics at the Massachusetts Institute of Technology. Thanks so much, Professor Greenstone.

GREENSTONE: Thank you for having me.

Source: http://globalchange.mit.edu/news/news-item.php?id=292

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This famous Chinese dissident unveiled a series of dioramas depicting what happe...

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TCA: Billy Bob Thornton joins FX's 'Fargo' as a new character

By Tim Molloy

NEW YORK (TheWrap.com) - Billy Bob Thornton has signed on to FX's new "Fargo" adaptation, which will feature all new characters, network CEO John Landgraf announced Friday.

Landgraf said at the Television Critics Association summer press tour that the new, 10-episode limited series won't feature any characters derived from the film. In place of Frances McDormand's pregnant sheriff, the show will feature a young female deputy in her 20s.

Still, he said, the new film is "remarkably true" to Joel and Ethan Coen's 1996 film. Rather than give notes on Noah Hawley's script, the brothers wrote half a dozen pages, including dialogue suggestions.

"The quality of the 'Fargo' scripts is extraordinary," said Landgraf said.

Landgraf also said the story of the characters ends during the 10 episodes, so if the show returns for another run it would have to be with new characters.

Filming starts in the fall, and the show is expected to air in the spring.

It is executive produced by Hawley, the Coen brothers, and Warren Littlefield. Berstein, who is represented by ICM Partners, will also executive produce the premiere. Adam Bernstein will direct the premiere, and FX Productions and MGM Television produce.

The film "Fargo" was nominated for seven Academy Awards. The Coens won for Best Original Screenplay and McDormand won for Best Actress. It was named as one of the 100 Greatest American Movies by the American Film Institute.

Source: http://news.yahoo.com/tca-billy-bob-thornton-joins-fxs-fargo-character-230246140.html

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Wrist pain when lifting - CrossFit Discussion Board

Long story short, I'm an IT 'professional' (last part open for discussion by those who know me ) and back in 2006 I had a bilateral carpal tunnel release, as well as a first dorsal tendon release on my left hand.

Pain-wise it absolutely worked; prior to the surgery the pain/numbness was so bad I couldn't hold the push-up position. This from a guy who could do 70+ pushups for the military APFT. Post-surgery I could do them.

However, when I do movements requiring my wrists to be at anything approaching a 90 degree angle (front squats, etc.), either I feel a bit of a 'tearing' sensation from my left hand, or the nerves/tendons/bones/etc. impinge to the point where I have to stop because it's painful.

I can, of course, do things to get around it - e.g., work on shoulder mobility (have had 3 shoulder surgeries) and by lifting my arms more, decrease the wrist angle. But some days it works...some it doesn't.

So...aside from more compound movements and the like, any suggestions?

Source: http://board.crossfit.com/showthread.php?t=83476

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Duke Energy seeks increase to monthly bills to cover fuel costs

Published: Friday, August 2, 2013 at 7:13 p.m.

Last Modified: Friday, August 2, 2013 at 7:13 p.m.

Duke Energy Carolinas residential customers in this state could see an average 7.9 percent increase on their monthly bills to help cover the utility's fuel and energy efficiency costs.

In filings this week with the Public Service Commission of South Carolina, Duke asked for increases to pay for fuels used to generate electricity and monthly charges used to pay for expanded energy efficiency programs.

If approved by the commission, the utility's commercial customers would see their bills increase by 6.1 percent, industrial customers by 8.9 percent and lighting by 1.7 percent.

Duke said the net effect of the two filings on a residential customer using 1,000 kilowatt-hours per month is a $7.62 increase. That means a customer whose current bill is $100.45 per month could see it go to $108.07.

By law, the company doesn't earn a profit from the fuel component of its rates. The rate is based, in part, on the projected cost of fuel used to provide electric service to customers. The company said fuel consumption and costs are subject to a variety of factors, including weather, customer demand and commodity prices.

?Duke Energy Carolinas works to actively manage its fuel contracts and leverage the benefits of the recent merger between Duke Energy and Progress Energy to keep fuel costs as low as possible for customers,? the utility said in a statement.

The commission is expected to review the filing later this month. The new fuel rates would go into effect on Oct. 1, if approved.

Last week, the utility saw its request for an increase in its base rates slashed under a settlement agreement filed with the Public Service Commission.

Duke had asked to increase its revenues by $220 million, which would have resulted in a 17.75 percent increase or $17.83 more for an average monthly residential electric bill. The settlement agreement allows Duke Energy to raise rates, but reduces the hike by 46 percent.

The company would be allowed to increase revenues by $118,622,000, which would mean the average monthly residential bill would increase by 10.26 percent or $10.31. The increase would be implemented over a two-year period so customers would realize a $7.52 monthly increase in the first year and $2.70 monthly increase the second year.

Duke Energy has about 500,000 customers in South Carolina and said the rate hikes were needed to recoup more than $1.1 billion the company has spent on older, less efficient facilities and building new power plants.

The settlement is subject to approval by the S.C. Public Service Commission.

If approved the rate hike would be the third by the utility since 2009, when a 1.7 percent increase was implemented. The second increase occurred in 2012, when the Public Service Commission agreed on a 5.8 percent increase.

Source: http://www.goupstate.com/article/20130802/articles/130809912

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Leaked Samsung 'Galaxy Folder' suggests return of the dual-display flip phone

It feels like yesterday we were discussing the alleged death of form factor diversity in the smartphone world, and now Samsung comes up with this: a mid-range clamshell called the Galaxy Folder (SHV-E400K) with displays on both sides of the lid. According to Japanese site RBMen, which discovered a Korean-language user manual for the device on Samsung's website, at least one of the displays is a 3.7-inch AMOLED panel with 800 x 480 resolution. Other specs include a Snapdragon 400 dual-core chip, 2GB of RAM and LTE support. The basic design is nothing new to Samsung, which came out with the similar SCH-W2013 in China last year, and the SCH-W999 a year before that, but it's good to see evidence of its survival in 2013 -- and especially if it's destined for Samsung's home market. If it was up to us though, we'd put some e-ink in that second display.

Filed under: Cellphones, Mobile, Samsung

Comments

Via: AndroidBeat, RBMen

Source: Samsung (PDF download)

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/vJxy2S4_szE/

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Judge says patent lawyers have right to science articles under 'fair ...

In a sign of the times for America?s intellectual property regime, a federal judge had to break up a squabble between patent lawyers and copyright lawyers over the scientific articles that are submitted as part of most patent applications.

This week, US Magistrate Judge Jeffrey Keyes sided with the patent lawyers, ruling that the reason they made unlicensed copies of the articles was to comply with the law for submitting applications to the patent office ? and not to compete within the market for scientific journals.

Publisher John Wiley had argued that Minnesota law firm, Schwegman Lundberg & Woessner, had assembled a private research library and that they should pay a license fee for doing so. The judge disagreed, saying the patent lawyers? qualified for ?fair use? ? an exception to copyright law that applies certain activities.

?These are not the acts of a ?chiseler,?? Keyes ruled at the conclusion of a four-part fair-use analysis, noting that the patent lawyers? use of the work was transformative and did not impinge on the original market for scholarly journals. He also wrote that the lawyers? copying? of the work did not prevent a fair-use finding (an argument that could help Google in its long-running fight over book-scanning).

The case initially turned on the journal copies that the lawyers submitted to the patent office. John Wiley, however, withdrew this claim after the Patent Office took the unusual step of issuing a public menu stating that the practice was fair use (under patent law, applicants have to submit scientific articles and other so-called prior art to show an invention is new).

The publisher then chose instead to focus on the copies that the law firm used internally. In the case of Schwegman, the firm downloaded copies of the articles from the patent office or obtained them by email or on public websites. (For one article, the firm paid for a license from the American Institute of Physics but the publishers still wanted them to pay again for the internal copies they made.)

The decision is a clean win for the patent lawyers but still has to be affirmed by a District Court. The case is also good news for fair use advocates. There is, however, one potential downside: some patent lawyers and their clients will now have more money to continue their ruinous trolling campaigns that risks crippling the technology sector.

Source: http://gigaom.com/2013/08/01/judge-says-patent-lawyers-have-right-to-science-articles-under-fair-use/

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How The Moto X Stacks Up Against The Samsung Galaxy S4 and the HTC One

With the release of the highly anticipated Moto X smartphone today, we can finally take a look at how the new handset stacks up against other smartphones on the market. We?re pitting the Moto X against a few of the hottest flagship Android smartphones out there today, the HTC One and Samsung?s Galaxy S4. Both smartphones have been available for a few months now, and have been selling like hotcakes. Can the Moto X break the stride of these two powerhouses? Let?s take a look.

Coming in with a 4.7 inch 720p display, 2GB of RAM and a 10MP rear-facing camera, the device clearly falls into the mid-range smartphone tier. The processor used in the sleek device is a dual-core Snapdragon S4 Pro from Qualcomm, running on Motorola?s new X8 architecture. Don?t let the ?eight-core? claim?fool you however; although there are eight cores, the device only uses two of them for processing, with the others being utilized for language processing and contextual computing. The device will come in 16GB and 32GB varients.

Clearly, the HTC One and the Galaxy S4 out power the Moto X in computing power, with both devices running on Qualcomm?s Snapdragon 600 processor, which utilizes ?four cores. The HTC One clocks in at 1.7GHz and the Galaxy S4 at 1.9GHz. The HTC One and the Galaxy S4 both offer larger batteries, although that doesn?t necessarily mean that they will outperform the Moto X in terms of battery life.

The Moto X?s camera is decent, touting a 10MP rear-facing shooter and a 2MP front facing camera, but the One and the S4 beat the Moto X here too. The S4?s ?13MP rear-facing camera ?and the HTC One?s Ultrapixel camera are top-notch, and include software to help the devices take amazing pictures. From what we?ve heard the Moto X?s camera interface is surprisingly lacking features and software.

What about pricing? Well, that?s where it gets tricky for Motorola. All devices carry a price tag of $199.99 with a new two-year contract, and many carriers and retailers are offering deals on the HTC One and Galaxy S4, sometimes as low as $99.?With the Moto X priced in this range, it would behoove new customers to choose the One or the S4 over the Moto X.

While the Moto X?s spec sheet is clearly inferior to the other flagship phones, Motorola is focusing on battery life, affordability and ease of use with the Moto X. Motorola is hoping that a near stock Android experience will make the device responsive and easy to use. The HTC One and Galaxy S4 both rely on a huge chunk of manufacturer software to operate, which Motorola is avoiding with the Moto X.

The Moto X will be launching on AT&T, Sprint, T-Mobile, U.S. Cellular and Verizon later this summer for $199.99. We?ll let you know as soon as a concrete release date pops up.

So, what are your thoughts on the Moto X? Would you take it over the HTC One or Samsung Galaxy S4?

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2014 NFL Draft Scouting Report: Miami OT Seantrel Henderson

Robert Mayer- USA TODAY Sports

Position:	RT	School:	Miami
Height:	6? 8?	Weight:	345
Class:	Senior	40 time:	N/A

It?s safe to say that things have not gone as planned for Miami right tackle Seantrel Henderson. He was considered by many to be the top recruit in the country coming out of high school, and Sports Illustrated called him ?probably the most polished lineman of the past decade?. Things began to change course when the gargantuan lineman committed to USC, and after they received a bowl ban following the Reggie Bush scandal, he decided to transfer in the middle of the summer preceding his freshman year. He ended up at Miami, and he?s never come close to living up to the expectations that were placed on him.

Over the past three years, Henderson has had back surgery, been suspended for an unspecified violation of team rules, and run a red light which caused a car accident and left him with a concussion. Due to all these incidents, as well as an inability to put up consistent results on the field, he has only started 18 college games, half of which came during his freshman season. It?s worth noting that Henderson?s back surgery could have had adverse effects on him, as he was named a freshman All-American by several publications his first year but has struggled to even stay at the top of the depth chart since.

With his current situation, Henderson?s draft status is very up in the air. Though he previously planned to enter the draft after his junior season, he decided to complete his career at Miami after he was told that he wouldn?t be taken until at least the middle rounds last year. Henderson believes that he can make himself a first rounder this year, but he obviously must improve. As of now, Henderson projects similarly to former Maryland tackle Bruce Campbell, as a raw tackle with good size who hasn?t done much in college. Campbell was a fourth rounder. But if Henderson falters again, it?s not completely out of the question that he could fall out of the draft completely. One thing is for sure; Henderson must improve substantially if he wants to give himself a shot at starting in the NFL.

Positives

• Overpowering strength when he gets a running start
• Good run blocker, very physical
• Gets very good arm extension at times
• Very solid when part of a double team; may be better suited as a guard in the NFL where it?s harder to beat him from outside
• Pulls well
• Plays in pro-style offense, good experience out of a three-point stance
• Plays to the whistle, works hard at getting down-field when necessary
• Performance may be looked on more favorably due to his inexperience; he has the opportunity to get much better at the professional level

Negatives

• Major durability and character concerns, lack of starts due to back issues and concussion last year are offsetting, reportedly has had academic issues
• Consistently allows rushers to beat him by going around his outside shoulder, even by second-teamers in Miami?s spring game
• Horrible reaction time, will make him a turnstile in the NFL if not improved
• Gets pushed back too much for a player of his stature
• Not very mobile
• Plays too high, knees don?t bend well
• Bad cut blocker, when he drops to the ground defenders never go down with him
• Bad running technique when running downfield, runs with feet wide apart
• A right tackle at best; Miami has tried to move him to left tackle but he has never stuck

2013 Outlook

This is by far the most important season of Henderson?s career to date. He needs to be much more consistent for a team that is widely expected to finish first in the ACC Coastal Division and will be led by senior quarterback Stephen Morris. Henderson needs to avoid any more injuries or off-the-field issues, and if he wants to be considered in the first round next year he needs to dramatically improve his pass blocking. The spotlight will be on Henderson, and it?s time for him to once again execute on the potential that once upon a time made him the country?s top recruit.

2014 Draft Projection: 4th round

Film Watched: vs. Virginia (2012), vs. Florida State (2012), vs. Duke (2012), Miami spring game (2013)

Patrick Karraker is an NFL Draft scout for RantSports.com. Follow him on Twitter?@PatrickKarraker, ?Like? him on?Facebook, or add him to your network on?Google+.

Source: http://www.rantsports.com/nfl/2013/08/01/2014-nfl-draft-scouting-report-miami-ot-seantrel-henderson/

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Impazza l'ansia da pre-order per PS4, e Sony pone limitazioni ai rivenditori UK!...

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New York probing how banks use databases to screen customers: NYT

(Reuters) - New York's attorney general is investigating six of the top U.S. banks over reports that they are unfairly using databases to disqualify people seeking to open checking or savings accounts, the New York Times reported on Thursday, citing people briefed on the matter.

Bank of America Corp , Citibank Inc and JPMorgan Chase & Co are among the banks that received letters from state Attorney General Eric Schneiderman, according to the newspaper. The banks have until Tuesday to schedule a meeting and discuss the matter with the agency.

Schneiderman's office did not immediately respond to a request by Reuters for comment. Citigroup declined comment, while JPMorgan and Bank of America were not immediately reachable. The newspaper did not identify the other three banks.

An increasing number of banks and credit unions are running stringent checks to guard themselves against risky customers and fraud. However, the databases on which these banks rely are disproportionately affecting lower-income Americans, according consumer advocates and state authorities, the newspaper said.

Negative reports in the databases have eliminated over a million lower-income Americans from the financial system and forced them towards using costly operations to pay bills or cash a check, the New York Times said, citing interviews with financial counselors, consumer lawyers and over two dozen low-income people in California, Illinois, Florida, New York and Washington.

The newspaper added that the prosecutor is mainly seeking information on the banks' use of databases to make sure consumers are not improperly denied or restricted banking access.

The databases could especially harm African-Americans, Latinos and other minority groups, the paper cited Schneiderman's office as saying.

(Reporting by Zeba Siddiqui in Bangalore; John McCrank and Jonathan Stempel in New York)

Source: http://news.yahoo.com/york-probing-banks-databases-screen-customers-nyt-002022382.html

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