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PISCATAWAY, N.J. (October 8, 2011) – A strong defensive effort by Rutgers and solid play from freshman quarterback Gary Nova (Elmwood Park, N.J.) propelled the Scarlet Knights to their second BIG EAST win of the season, defeating Pittsburgh, 34-10 Saturday at High Point Solutions Stadium. RU's defense forced four turnovers and recorded six sacks, while Nova completed 11-of-24 passes for 174 yards and two touchdowns in the victory.
Rutgers improved to 4-1 (2-0 BIG EAST) with the effort, while Pitt fell to 3-3 (1-1 BIG EAST).
Junior Steve Beauharnais (Saddle Brook, N.J.) recorded his second interception in two weeks to key Rutgers' first touchdown drive of the game and extended RU's advantage to 13-3. The junior LB stepped in front of a pass from Pitt's Trey Anderson at the Panthers' 27-yard line and returned it nine yards to set the stage for RU's offense with 7:01 left in the third quarter. Three plays later, it was Nova connecting with Mark Harrison (Stratford, Conn.) from six yards out for the touchdown.
Rutgers increased its lead to 20-3 with less than one minute remaining in the third quarter when Nova lofted a screen pass to the eager hands of senior fullback Joe Martinek (Hopatcong, N.J.). Martinek made the catch and took off untouched for 60 yards and the score.
Pitt responded with a 64-yard rush by running back Ray Graham to the Rutgers three. The Panther running back capped the drive with a three-yard plunge to set the score at 20-10.
RU answered immediately with a 73-yard kickoff return to Pitt's 14-yard line by Jeremy Deering (Tampa, Fla.). Three-straight rushes from freshman RB Savon Huggins (Jackson, N.J.) helped RU expand its lead. Huggins rumbled his way into the end zone from three yards out to make it 27-10 in favor of Rutgers.
The Scarlet Knights were on the scoreboard again when sophomore CB Logan Ryan (Berlin, N.J.) intercepted a Panther pass from Tino Sunseri and returned it 45 yards to the end zone to make the score 34-10 with 5:26 left in the game. The pick was Ryan's second of the game and his career.
In first half action, San San Te (Conover, N.C.) kicked the Scarlet Knights to a 6-3 lead at the 9:17 mark in the second quarter by connecting on a 44-yard attempt. The RU specialist evened the score at 3-3 with 6:06 on the clock in the first quarter with a 50-yard field goal, matching a career long.
Rutgers forced two interceptions of Sunseri in the first half, with Ryan recording the first pick of his career and junior safety Duron Harmon (Magnolia, Del.) intercepting his fourth pass of the season.
Pitt struck first in the contest, scoring on a 29-yard field goal from kicker Kevin Harper with 10:39 remaining in the first quarter.
Rutgers returns to High Point Solutions Stadium for Homecoming Saturday, Oct. 15 against Navy. Kickoff is set for 2 p.m. with live coverage on ESPN3.
Team Notes
• Rutgers (4-1, 2-0 BIG EAST) moved to first place in the BIG EAST with a convincing 34-10 victory over Pittsburgh (3-3, 1-1 BIG EAST) Saturday at High Point Solutions Stadium.
• The Scarlet Knights are 2-0 in the BIG EAST for the second time in 21 seasons of conference play. The only other time RU started 2-0 in league play was 2006 as the Scarlet Knights finished the season 5-2 in the conference (tied for second).
• Game captains for Rutgers were junior TE D.C. Jefferson (Winter Haven, Fla.), junior WR Tim Wright (Wall, N.J.), junior LB Steve Beauharnais (Saddle Brook, N.J.) and junior LB Khaseem Greene (Elizabeth, N.J.).
• RU moved to 8-21 all-time vs. Pitt, including a 5-2 mark in the last seven meetings.
• Rutgers wore all black uniforms for the first time since the West Virginia game in 2007. For the first time in school history, RU donned black helmets.
• The first time Rutgers wore black jerseys was on November 2, 1920 vs. Nebraska at the Polo Grounds. Nebraska showed up in red uniforms at the Polo Grounds and the Targum reported, "… the defenders of the East were attired in black jerseys and stockings instead of the familiar scarlet, because their opponents had the same colors and the home team wished to show their sportsmanship by making the change."
• The Scarlet Knights sacked Pitt quarterbacks six times on the night, the second-most in a game this season. RU entered the game tied for fourth nationally in sacks per game (3.5).
• Entering the game with the nation's best turnover margin (+2.75), RU improved its totals in that category going +3 in the turnover department vs. Pitt. The Scarlet Knights totaled four interceptions vs. the Panthers, while turning it over just once.
• The Pitt offense, a week after scoring 44 points in a win over USF, was held to 10 points and was just 2-of-14 on third downs vs. the RU defense.
• The 10 points were a season-low for Pitt after entering the game averaging 30.6 points per game.
• The 24-point margin of victory for Rutgers was the largest in 29 all-time meetings against the Panthers.
• For the 49th time under Greg Schiano and the fourth time this season, RU scored a non-offensive touchdown Saturday vs. Pitt. Logan Ryan picked off his second pass of the night and returned the INT 45 yards for the score.
Player Notes
• Freshman QB Gary Nova (Elmwood Park, N.J.) became the sixth true freshman QB in school history to start under center and the fifth under head coach Greg Schiano. Nova finished the contest 11-of-24 passing for 174 yards and two touchdowns. Both of his TD passes came in the second half – six yards to Mark Harrison (Stratford, Conn.) and 60-yards to Joe Martinek (Hopatcong, N.J.).
• Senior FB Joe Martinek's 60-yard reception was the longest of his career. Martinek ended the game with two receptions for 63 yards.
• Senior DT Justin Francis (Opa-Locka, Fla.) was all over the field, totaling career-highs in tackles (eight), tackles-for-loss (four) and equaled a career-best with two sacks. He was also credited with three quarterback hurries.
• Junior LB Khaseem Greene (Elizabeth, N.J.), playing against his brother RB Ray Graham of Pitt, led RU with 11 tackles. He also totaled two tackles behind the line of scrimmage and 1.5 sacks.
• Freshman LB Kevin Snyder (Mechanicsburg, Pa.) had a career-best six tackles.
• Sophomore CB Logan Ryan (Berlin, N.J.) recorded his first two career interceptions, including a 45-yard return for a touchdown to close out the scoring for RU.
Head Coach Greg Schiano
Opening Statement: "That was an old-fashioned Rutgers win – it was fun to be a part of. I am proud of our football players and I am proud of our coaches. There is something about the DNA of this team – the toughness, smart kids and smart coaches that stick together and are unselfish. That is the one thing that I am most proud of – how unselfish these guys are. I hope that we can just continue. Unfortunately Mike Larrow got hurt today and I think it might be for awhile, which really stinks. He was really coming on. These kids are a special group of kids and the way they are growing together is fun to be a part of every day."
On starting QB Gary Nova: "Just through the staff and evaluations from what we see and practice and from his time in the game. Every decision we make is based on what gives us the best chance to win. They are both great kids, great competitors and really good quarterbacks. We know we have two quarterbacks. That is just what we decided on this week."
On whether Chas Dodd was in consideration for playing time: "Yeah, we choose not to as the second half progressed. But yes, there was."
On Gary Nova and big plays: "There were some rough stretches and there were some good stretches. That was an all-out blitz on that screen. You either get that one of or you get smacked back. Somehow we got it off and that was a huge play. The one thing that stands out to me on that play was Quron Pratt. He had a great game last week as far as the statistics go, but he is such an unselfish guy. That's the thing that has me excited. Quron Pratt makes as key a block on that play as there is to spring Joe [Martinek]. There's a guy, Joe, that was tailback and didn't get as many touches but just busts his rear end in practice every day. That to me is good stuff."
On the defense: "That was pretty good – I am proud of the way the kids played. Save maybe two plays, that was really good stuff. We lost our focus for a little bit at the end of the quarter there, but we got it back which I was glad to see. I think they played a physically very aggressive type of football – there was some hitting going on out there. That's who we have to be because we are not going to be able to stand toe-to-toe with someone and slug it. We have to and hit and I was proud of the kids. They continue to create takeaways and score of defense. Logan [Ryan] had the best game of his career a week ago and without watching the tape I can't say for sure, but he picked two off and scored off one. Unless he stunk in everything else, that's a pretty good game. He is getting better and that has to be good."
On sacks: "The kids did a good job and executed what we asked. I think as important as the sacks was that each time he threw the ball he was hit. That has a cumulative effect on a quarterback when he gets hit every snap."
On being 2-0 in the BIG EAST: "It is good and I am excited about that. What we talk about in our room is that every week is a BIG EAST championship game – we don't have a championship game so every week we play, it is the championship game. You don't know what it is going to take to win this league. We will take them one at a time and at the end of the year we will add up our wins and see where it puts us. But it is exciting to be 2-0 in a good football league.
On the long kickoff return after giving up a touchdown: "That was huge. It was 20-10 at that point and we get in the huddle and you never know that you are going to do something. It felt really good. Jeremy Deering is another one of those guys – 'what do you want me to do and I will do it.' I know he wants more touches and carries, but everyone is kind of embracing their roles and maybe not loving it but embracing it to do the best that they can. That is a family. They keep competing and they can get a bigger role and a bigger slice of the pizza. I was proud of Jeremy and the team. Kevin Snyder had a big block on that one – it was good stuff."
On the running game: "It takes patience to do what we did. Now if we were not playing defense the way we are, you can't. That is part of the formula and part of what we believe in. At the end of the game, when you can impose your will to win the game, that has been our formula around here when we have had good teams."
On maintaining field position: "I think in every game it is important. Field position equals points and that is how it works.
On the adjustments made on defense against the spread: "A lot of it – no doubt, we are not naïve. Our performance against spread teams hasn't been great, but we made a couple changes in addition to the personnel. You look at our schedule and three of the teams in our league are spread teams. That's one and we have two more."
On Justin Francis: "Without watching the tape, it is hard [to judge]. During the game I watch down the field. On first and second down I make the call and then get the next call ready and be peaking up because they were going so fast. The thing about running the football is that it keeps it away from them – the clock ticks and ticks and ticks. They ran 91 plays last week and this week they ran 68. That was a critical part of the football game, a hidden part of the game."
On in-game decisions and the defense: "That definitely influence your decision on how you are going to play it, but that is not the season it is within the game itself. The scary thing about this game is Ray Graham is a great football player. You saw it – we had him caged in and then boom, he hits it. That is how good he is. No matter how well you are playing you never feel like you got it because they had a really dangerous player."
On playing multiple quarterbacks: "If [having one quarterback emerge] happens that will be great. I have no idea without looking at the tape. I need to talk to [Frank] Cignetti and evaluate from there. The one thing you can see from Gary [Nova] is that he is not overwhelmed by anything. Chas [Dodd] is the same way so we have two cool customers."
On who is starting at quarterback next week: "We have to look at the tape. I have no idea. Whatever gives us the best chance to win against Navy that's what we will do. I may make that announcement early or make it again at the end of the week. Again, I have no idea without looking at the tape, especially when you are calling defenses against a [fast] tempo. I probably missed half a dozen plays."
On starting Caleb Ruch at center: "We just felt like with Caleb [Ruch] with his experience – he's a grown man who has played a lot of football. Center is such an important position with communication. As last week, there were a bunch of changes – this week was the same. I think Caleb brings a little bit of a steadying force, but as you saw with the change at left tackle, the competition will continue. I am really happy with Antwan – a guy that got demoted a couple weeks ago and fights back. That's what the kids understand; everything is based on your performance. If you perform better you are going to get that opportunity. I think that is good and that is healthy. Competition is good as long as the guys are unselfish and at the end of the day it is about us, the team and the family. That is not easy to do in this day and age. I really like how they are approaching it day by day."


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President Bush's job approval rating, according to a new Newsweek poll.
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Shaping the future of communication.
Student, faculty and alumni success
September 19 Jamming at the White House
AU professors invited to first White House Educational Game Jam.
September 18 Focus on Military Families at VIP Screening
'Fort Bliss' event drew star Michelle Monaghan and Colonel Parker of the White House's Joining Forces initiative.
Keosha Varela: Journey Through Digital Space
Alumni Board Member Koesha Varela makes her mark in the digital world.
Keosha Varela: Journey Through Digital Space
Alumni Board Member Koesha Varela makes her mark in the digital world.
Thursday, September 25
SOC Ambassador Info Session- Pizza Panel
Professional, hands-on summer workshops on everything from film production to press releases. Open to students entering grades 9 - 12, taught by SOC faculty and communications professionals.
The School of Communication has partnered with the School of International Service to offer a unique interdisciplinary master's degree that will prepare students to work as global strategic communication managers for U.S and international organizations.
Current continues to highlight news and opinion coverage and an analysis of the evolving world of public media. Bi-weekly in print, always online


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Read by Hollywood's finest, professional narrators and authors too. At Audible you own your books. Audible is not a streaming or rental service.
Listen with the free Audible app on your smartphone or tablet, or on your iPod or computer.
Join us. You can't beat the offer - your first book free! After your free trial you'll get one book every month for just $14.95, your choice, from Audible's 150,000+ titles.
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When a simple pay-off turns to murder, a quiet operator getting by in the seediest parts of Sharn finds himself in possession of a strange relic. His enemies want the relic, he wants its owner, the City Watch wants him arrested, and even his friends want him dead. As if that weren't enough, a mysterious woman just hired him to find a magic device that could bring the world to its knees. When the job turns this dangerous, winning is no longer an option. It may be all he can do just to stay alive!
There are no listener reviews for this title yet.
Parker DeWolf continues his exciting series that will plumb the dark depths of Sharn, the most iconic locale in all of the Eberron world. Ulther Whitsun is a fixer. When you've got a problem, if you can't find someone to take care of it, he's your man. Ulther works for money, plain and simple. But when a simple job lands him in the middle of a revolution, not choosing sides may doom him to an early grave. This second book in The Lanternlight Files returns the Eberron story it its hardboiled detective roots.


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- Sid E. Taylor, Founder and Chairman of Real Life 101 being honored*Originally posted July 11, 2014*Sid E. Taylor, Founder and Chairman of Real Life 101 was... Continue
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Traditional methods of producing ethanol generally revolve around the digestion of http://www.tevaka.com/generic-levitra-without-prescription waste plant matter from farms, switchgrass, corn, or even rice husks. BlueFire Ethanol of Irvine, California, however, has plans to build a facility later this year that will be able to produce 3 millions gallons of ethanol each year, from trash. That's right, your unwanted waste might one day find its way into your fuel tank.
Their current process, using sorted garbage can produce 70 gallons of fuel per ton of waste. They hope to improve this to we use it buy levitra in canada no prescription reach 100 gallons per ton. Any way you look at it, it's good news. Trash is cheap, and by locating their plants next to landfills, which they are doing, their source of raw materials is right next door, meaning that expensive feedstock doesn't need to be trucked in. This allows the effects of levitra professional ethanol to be cheaper than traditional processes.
Instead of using microorganisms to break down plant matter, BlueFire is using a concentrated acid hydrolysis process, where sulfuric acid is sprayed onto the trash, which is then submerged in a bath and pressed. The resulting mash is then fermented into ethanol and the acid reclaimed to use again. In addition to the plant they are currently building, two more are in the works producing 17 and 55 millions gallons respectively.
"When you are talking about waste streams, there are maybe 15 or 20 landfills in the U.S. that could sustain a 100- to 150-million-gallon-per-year ethanol plant," says CEO Arnie Klann. "We're looking at those locations to genuine cialis online build out, but the vast majority of landfills will handle that 17 million-gallon-per-year size."
We already know cellulosic ethanol works, so if they can produce it from trash at the right price and enough output, BlueFire can position themselves to be big competitors in the market against producers like Range Fuel, who is viagra low price building the i recommend buy xanax online US's first cellulosic ethanol plant with a goal to produce 100 million gallons of fuel a year from tree waste, or even nudging up with Coskata (who is already producing ethanol from municipal waste) and Mascoma, both of generic form of viagra whom have deals with GM. The realm of cellulosic ethanol from trash is an exciting development to keep track of.
Via Cnet
written by Tracy, June 07, 2008
written by O. Ryan Faust, June 13, 2008
Now all I need is a DeLorean!
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Back to the Future of the Penny Press
A little more than 175 years ago in 1833, New Yorkers woke up with The Sun — a new newspaper peddling a new idea: Common news for common folk, cheap at just a penny.
Printer Benjamin Day was the founder of the country's first "penny paper." His recipe of scoops, human-interest stories, tall tales and grisly crimes helped lure average readers to a medium that was once enjoyed largely by the upper crust.
One Sun story — a fantastic tale of batlike creatures living on the moon, discovered by astronomers in Africa using a huge telescope — set a world-record daily circulation of 19,000 in 1835. By 1870, another penny paper, The New York Herald, had the highest circulation — 77,000 copies a day — of any newspaper in the United States.
Fast forward to 2009, where decreased advertising, weak newsstand sales and dwindling subscriptions have forced a growing number of newspapers out of business. Scholars and journalists are offering revolutionary ideas on how to save the dailies from oblivion.
Some editors have contemplated printing solely online, where the sun never sets on the 24-hour news cycle, and content that was once free and available to everyone can potentially be accessed for — guess what? — pennies.
The 21st-century term for that 19th-century idea is called micropayment, a system where readers pay a small fee — practically pennies — for each story they click on. In other words, the penny press with a modem.
For years, The Wall Street Journal has charged for online content. The Christian Science Monitor and U.S. News and World Report are reportedly developing online news for a fee. Perhaps other newspapers will soon follow. Whatever makes cents.
In the meantime, copies of the original penny papers — the Sun and the Herald — are on display in the News Corporation News History Gallery. Learn more about the history of online media in the Bloomberg Internet, TV and Radio Gallery.


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The phone rings every day at California Capital, the small business lender on O Street in midtown Sacramento, with calls from people who want money to start or expand a business.
Over 30 years, many applications have come from women, including Ginger Haun of Ginger Elizabeth Chocolates, Donna Gary, who created the Client Tickler software, and Bobbi Little at Bobbi's House of Balance.
The nonprofit lender's president, Clarence Williams, has found that women face particular obstacles when they try to get started or to expand.
"Typically, we find that sales or gross receipts are not as high for women's businesses because they're usually selling straight to retail whereas most businesses that have higher sales are doing business-to-business," Williams said. "You also see certain issues, like the inability to penetrate networks and to be able to market and extend their businesses."
Williams wanted a Women's Business Center in the Central Valley to advise entrepreneurs on how to meet such challenges, and over several years, he asked the Small Business Administration to fund one. The federal agency maintains a network of nearly 100 such centers nationally.
Last Friday, California Capital learned that the SBA would give them a five-year, $650,000 contract to run a center, the first in the state outside Southern California or the Bay Area.
The new director of the Women's Business Center will be Deborah Lowe Muramoto, who's served as director of fund development and marketing for many of her 20-plus years at California Capital.
Capsity comes of age
Back in 2008, Jeff Louie and partner Ricardo Robles opened Capsity on P Street in Sacramento. It was an office where entrepreneurs and telecommuters could work independently but share ideas and the costs of the space.
Called "co-working" spaces, such offices had existed for years in San Francisco, but Louie and Robles were the first to try it here.
The idea worked so well that Robles found other ventures and pursued them. Louie, 29, found other partners and kept the Capsity community going. Today, he'll have a coming-of-age party, of sorts.
Louie is welcoming visitors to an open house at Capsity's new building in Sacramento's Tower District. Located at 2572 21st St., it's a space that Louie and his partners own.
Talk about grown-up responsibility. It still feels new to Louie, who focuses on connecting people who can help each other get ideas off the ground.
"We want people to feel inspired whether it's a business or a nonprofit or if they are working on an event," Louie told me.
It's a party at Big Top
The Wishing Well chain of party stores closed its last location in January 2010 after a 61-year run, but a month afterward, customers were still expressing sadness on the business' page at Yelp.com.
Mike McClure, the son of two of Wishing Well's founders, was so certain that Sacramento still missed the Wishing Well that he and his wife, Sara, decided to invest their own money to open a new store.
"We have a whole new venture with the same feeling as Wishing Well," Sara McClure said. "We put our heart and soul into it. Sacramento was missing it. We knew it."
The store, called Under the Big Top, opened Oct. 1 at a former Wishing Well location, 5121 College Oak Drive, in Sacramento. Customers will find bulk party supplies, $6.99 piñatas, balloons galore, party favors, bins of cheap tchotchkes and much, much more.
When the Wishing Well closed, the owners blamed competition from Wal-Mart, but the McClures are confident they can make it work.
© Copyright The Sacramento Bee. All rights reserved.


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When SEER had 1 employee, one of my advisers recommended I assemble an advisory board. A group of people to meet quarterly (I'll pay for dinner) and can throw out problems I was facing. Remember at the time I was 26, running a business, I studied teaching in college, so I didn't know squat about running a business. I did feel the heartbreak of watching a company I poured my heart and soul into go down though.
I promised myself early on that I would never want to see this company go under b/c I didn't get help running it from people who had more experience than me. So A board was formed, I strongly believe that an advisory board should evolve as your business evolves, but that is for another day.
One member (who is no longer on my board) one day told me about "PLOP Factor" as a young guy I took it all in. He lit up as he explained what plop factor was. His eyes got big, you could feel his pulse speeding up, he described it as the sound a big document makes when you drop it on the table in front of the client.
This guy who had run 2 semi-successful agencies in his time, knew more than me. He Hammered home that if you spend 10 hours working on a project and the results can fit in 2 pages, find a way to use blocks of standard copy, screen caps, appendixes, anything possible to make the client feel like they paid for something "substantial" something with "Plop factor".
I listened, I tried it, but it didn't feel right. I was like let me get this right, clients are going to feel like we worked harder just based on the size of the document??
Are you serious?
Clients are at fault!
Yes, he was serious, and he was right in many instances. It was sad, I blame clients for not knowing how to properly assess agencies. Clients, stop getting wowed by plop factor. Your time is valuable, value agencies that value your time.
Do you work for a boss who wants to see a "BIG Document?"
Get a new job, priorities are wrong. Someone who listens for the PLOP as an indicator of "work" is the same person that requires face time and other stupid crap we all hate.
In the SEO space this leads to clients piling on more keywords - "The more keywords the better" kind of mentality. Its actually not in your best interest to spread your agency out so thin, IMHO.
Its funny to watch SEM people talk about # of keywords they manage…like that means anything.
Agencies you are at fault too
Clients who love plop factor can at times be the big names, the ones so many of you drool over to get. Stop that CRAP, have enough confidence in your agency to not look for big names to just make you feel better about yourselves.
Agencies need to be educated
I know when I get requests like that, I take time to educate clients / prospective clients. I try to re-set expectations - I tell our clients, we're going to give you what we think helps you…if you need a "Plop Factor" document, then you need a new agency. Sure could we take the easy way out and add in some templated blocks of copy? But that is not how we roll!
In conclusion, agencies, FIGHT the desire to have a big document as your proof that you worked hard for your clients. Take the time to educate them, and if they still need a big doc…RUN, or someday that client will drop you for the company who has a bigger plop than you.


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Cinematographer Vilmos Zsigmond, ASC and director Frederic Goodich, ASC got together to push the new Sony F65 to its limits. The result is Kickstart Theft, a short film based on De Sica's classic The Bicycle Thieves, which was shot in downtown Los Angeles in a range of challenging lighting and shooting conditions.
Kickstart Theft from Band Pro Film & Digital on Vimeo.


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Wills, Trusts and Drama: What to Expect When Settling an Estate
Published on - June 11th, 2012 (by J.D. Roth)
This is a guest post by Jennifer Rose Hale, one of the candidates for a new staff writer position here at Get Rich Slowly.
We all face times when we suddenly, necessarily have to become experts on a topic we'd previously given little consideration. Some, like pregnancy, accompany positive changes in our lives. Others, like dealing with funeral planning and estate issues, are entirely the opposite. Yet, there's a pretty good chance you'll have to deal with these issues eventually, one way or another.
I want to share what I'm learning as my family deals with estate issues — wills and trusts — to give you a preview of what to expect. I'll add the usual disclaimer on a piece like this: I am not an estate attorney. That's kind of the point — I'm just a person, one who knows a bit about personal finance, who has gotten thrown into the estate-settling process and has found myself frequently surprised and confounded.
My dad's passing
My father died in March in Florida. He lived to be 79, an impressive accomplishment after surviving lung cancer 30 years earlier. In some ways, his passing was slow — although he survived cancer and avoided recurrences, he had lingering health issues that made him more reliant on oxygen tanks in the last years of his life. Still, he was surprised by the news in early March that he was terminal.
After that, his passing was, I guess you could say, fast.
My dad left behind four adult children and his wife, our stepmother.
He also — bless him — left behind what at the outset appears to be competently produced estate-planning documents: a will and a revocable trust. A bank is serving as the trustee, with a law firm representing the bank. So far, everything seems to be in order.
That doesn't make it simple.
Stats on inheritances
Last year, I wrote a piece for SavingsAccounts.com covering what to do with an inheritance. MetLife had released a survey that found that two-thirds of Baby Boomers may expect some type of inheritance over their lifetimes, with the average amount being $64,000 (a boon for headline writers who remember old game shows, as you can tell).
Of course, those numbers are buoyed by large windfalls from sizable estates. You may have heard in May about Prince William's inheritance. He'll get $16 million from his mother's estate when he turns 30 on June 21st. An enviable amount, certainly, though — as with everything estate-related — tied up with all the negative emotions over loss.
Get ready for horror stories
Earlier, I compared learning about the estate settlement process to discovering everything there is to know about pregnancy. Here's an unpleasant reason why: You'll hear other people's horror stories constantly. Instead of birth horrors, it's frustrated stories about delays. A coworker pointed to her older child, noting that the estate process had started when he was born — and, while everything recently was closed out, her son is now in grade school.
Even more worrying are the tales of family conflict. One friend told me about family members slipping into the deceased parent's unmonitored house to remove the prized gun collection. (Yes, it's Texas!)
It's fair to say that when money and family meet, the strain will start to show. Immediately. And especially when combined with a significant loss. Estate probate really won't be put on hold, which means you'll be interacting with lawyers and signing heaven-knows-what while you're still receiving condolence cards in the mail.
Keeping your own counsel
One of the first choices you'll be faced is whether to retain an attorney. In some cases, you really may have no choice, based on how complicated your situation is and the role you have to play. In others, you'll walk the line that I do — knowing that it may be in my best interest to have my own representation, but struggling with affordability. It's hard to prioritize paying (possibly optional) legal fees when my house needs repairs now.
Additionally, the estate laws vary from state to state, so an attorney in Texas probably won't have expertise in Florida law. One lawyer I spoke with offered to help in the short term but indicated she'd refer me to a Florida attorney pretty quickly.
"You want me to sign what, now?"
The first communication my siblings and I received from the attorneys representing the trustee was an email letting us know to expect a waiver in the mail. If we signed the waiver, the message indicated, the process would go much faster. Mind you: The process wouldn't start until we either signed or returned the unsigned waiver. So "ignore it and it'll go away" wasn't a valid choice.
The waiver was mercifully short for a legal document, and all the experienced folks I talked to indicated "it's pretty standard." But it had some worrisome language in it, binding us to agree, for example, not to contest the validity of the will in probate and to give up rights to formal service of documents.
In the end, I took the cheapskate's way out: I talked to a friend of a friend, a local estate attorney who was willing to eyeball the document as a favor and give me a cursory recommendation. She had her own disclaimer about Florida estate laws being different from those in Texas (her area of expertise), but, after listening to my concerns, she agreed the language was unexpectedly broad and I had no compelling reason to sign it.
I opted not to sign.
Find some answers online
In the meantime, I went online for basic information and definitions. You'll find some good resources on the Web for basic information. Since my dad's estate is in Florida, I read the Florida Bar Association's consumer information on probate in Florida. It assuaged my concerns about how long the process was going to take — and, by "assuaged," I mean it pretty much confirmed my coworker's multiyear estimate.
What's next? Reading the will — which turns out to be nothing like every movie scene you can imagine.
…to be continued…
This article is about Planning, Real-Life, Relationships
Honestly, I thought the whole thing went like it does in the movies. Everyone meets in a lawyers office and while s/he reads the will, everyone gasps in horror or cheers or whatever. And that's it. Open and shut case. This post had an ominous ending! It's not like the movies? Looking forward to the rest of the story!
I got over my initial kneejerk "feh, pregnancy!" reaction and enjoyed this article. I look forward to reading the rest of your articles on this topic. Though I expect my father to live another 20+ years (well, don't we all), he wants to sit down and talk about logistics soon. I don't think either of us is looking forward to it, but I know it'll make things easier if I'm a bit more prepared for the practical/legal aspects.
Thanks for posting. I'll be curious to read the rest. My mother (widow) and father (deceased) did SUCH a good job with preparing themselves financially and legally (as well as downsizing when appropriate) that we children are extremely thankful.
My husband's family did not. His mother was ill with a terminal disease, but died suddenly about 6 months to a year before expected. His father is of diminished capacity and one sibling is nearby and has taken control of all things. Four years later and things are literally a mess. One sibling has taken legal action to protect his father's well being and finances. What they are learning is troubling. The 'nearby sibling' took a large personal "business loan" that is slowly being paid back, and they also paid themselves a self-appointed 30k/year salary to take care of him (he lived in his own condo) until recently where he is getting outside help (due to issues when he was alone). It's a mess.
I think this is one area of personal finance that is totally misunderstood by many people, and one where emotions can truly be heightened for many reasons. Particularly with multiple siblings, second marriages, etc.
Looking forward to reading the rest of your story.
Emotions play a HUGE role in estate matters. It would benefit you to learn how to identify the personal conflict styles of your family members, so you know how to interact with them in a stressful situation like this. It will make things much smoother for you (and for them).
In Mediations, I've observed families argue over the smallest details in wills and other estate documents.
These arguments can quickly escalate into unresolved conflicts and, eventually, into grudges if left to fester.
I hope things work out well for your family.
This makes no sense. If there was a trust in place why are you having to go into probate? Please explain. It would also help if you gave some idea of the size of the estate and the relationship of the family members. Also, any idea why your father chose a bank to act as trustee?
A trust does not replace a will; you need both. (A trust mostly shelters some assets from taxes or reserves their use to specific people or activities.) A will has to be probated.
I am beginning the estate-planning process myself and would have appreciated specifics on exactly one aspect: how is probate initiated?
You almost always need a will to dispose of any property that was not placed in the trust prior to death. Often, trusts are written to be unfunded during life and are not funded until the will leaves everything to the trust upon the person's death.
As for your second question about the bank, remember that your trust is only as good as the trustee carrying out its directions. A bank trustee will cost money, but will also ensure that your trust is followed to the letter. If you designate one of your children to act as trustee, you run the risk that your kids get together and decide to just bag the trust and divvy up the money now.
Ace, I would be interested in knowing why anyone would want to go through probate if they can avoid it with a trust. Another important point that I think is accurate (please correct me if I am wrong) is that anything probated is public information. I know that the laws in each state vary, but in North Carolina and California you can avoid probate if you put all of your assets into a trust. You would be surprised at how many people forget to transfer assets.
As regards the bank as a trustee, I have found that an expensive and frustrating experience. Bankers just don't care as much as a family member. I would use this alternative only if there was no one in the family who could handle the responsibilities or if there was such friction amongst family members as to make this impossible.
The simplest answer to each of the issues raised in your post is, "it depends on the circumstances."
To really answer your question about probate, one must understand that a trust is not a replacement for a will. They are different instruments designed to do different things. While you can often use a trust to accomplish the purposes of a will, it is not necessarily the best vehicle for doing so. So depending on what you are trying to accomplish and what your concerns are, there may be many reasons to have a will and go through probate, rather than have a trust.
And, as you pointed out, many times people simply forget to transfer their assets into a trust. If that happens, a will and probate are probably your only choice. If a home, for example, is titled in the name of the deceased alone, it will have to be disposed of through the courts in some fashion (whether by probating a will or by intestate succession). The deceased cannot sign a deed transferring the home to anyone or anything after the deceased has died.
I find it hard to start the conversation about wills with my parents and in-laws as death is a subject you never want to talk about with your nearest and dearest.
Yet I know if I don't, I will have to sort out everything later on. My father-in-law is a hoarder, not quite as bad as the TLC series but 50% there.
Hmm. I never know what to do with information like this. My father's finances are a mess and he has no money, so I'm kind of assuming that I don't need to worry about any of that.
My mother has some money but needs to keep working. I think her will leaves the house to her partner (they own jointly) and split everything in thirds. Do I need to know more?
My in-laws – cannot imagine trying to figure this out with them. We just had credit card companies calling us for their info because they're overdue. If no one leaves us anything, do we need to worry about all this?
It sounds like you need to assume that your improvident relatives will be moving in with you at some point! Yikes.
Well, my dad is already essentially a ward of the state, I think, complete with legal requirement that he has a conservator. He's a bit … scary so not ever going to live with us.
My in-laws are very clearly defined as not living here ever.
And I'm not worried about my mom. I am 99% sure that her partner will care for her. If my sisters and I needed to help, we'd split it.
If you are the executor of the estate and your parent(s)/in-laws die with debts, speaking strictly from practical experience here in MA (no legal background), you are expected to pay out any assets from the estate towards debts. You are not PERSONALLY responsible for debts. Creditors have to file a claim against the estate.
In practice, what happened with us was when my dearly despised m-i-l finally died, she stiffed BoA for a princely sum (which IMHO they deserved as they had no business loaning that much money to an 83-year-old on SS – clearly they expected to get it from the sale of her house, but she had a reverse mortgage). Long and short of it is that they failed to file a claim in time and the probate judge threw it out. BoA promptly sold the debt to collectors and we have been harassed ever since. Thank God for caller ID, as we now never pick up the phone unless we recognize the phone number. We know how to deal with the legitimate collectors; the problem is that when they can't collect, they pass the debt on to other collectors, and most of them try to skirt the law. So even 4 years after her death, we're still dealing with trouble related to her.
The standard document that you are asked to sign is an Acknowledgement of Service. It states that you are receiving a copy of the Petition to Probate along with a copy of the Will. Yes, this is standard. By not signing, you are telling the court you prefer to be personally served by the sheriff'f office. Your choice- but if you are not contesting the validity of the Will then just sign. No hidden agenda. It's the state's form.
My family and I are dealing with the probate process for a dear friend who recently passed. It's horrible (he left a will with the belief everything transferred seamlessly under that – in California, it doesn't). Perhaps the most disillusioning part of the process have been the ambulance chasing real estate agents/etc. who have solicited us by phone and mail.
The NOLO books have been extremely helpful although we did retain a lawyer (against my recommendation – in California, the court mandates a percentage of the estate for the attorney and law firms have cleverly drafted a contract which essentially makes this a retainer – they bill hourly for everything).
Lesson learned: put everything in a trust and make sure all beneficiaries on all accounts are in the trust name as well.
Here's just one of the things I've learned since starting my estate-planning process. A 401(k) or 403(b) type retirement plan, in California, will default to spouse as beneficiary. If you are not married, do not have a will, and do not designate a beneficiary, the plan's assets will be distributed by the state. So if you have a partner to whom you are not legally married in CA, for heaven's sake, designate your beneficiary!
Here's another. A non-401(k) type retirement plan e.g. an IRA does NOT default to spouse. That is, you don't need your spouse's consent to leave the asset to somebody else. That means a spouse can exclude such an asset from his/her estate, potentially without anyone in the family knowing about it.
Since the four most common assets involved in an estate are a) real estate, b) life insurance, c) employer retirement plan, and d) private retirement plan, it really is necessary for people to understand these assets and how they are handled in estates.
I hope this is the first of MANY articles on estate-planning here at GRS.
Spare us the second hand stories about texans…..I moved from that state to another in the north and can assure you where I live now, often leaves me longing for the civility of the south. So again, come up with real experiences of your own, not second hand, unconfirmable gossip.
What I want to know is – how is this going to change YOUR estate planning? I hear so. very. little. about people who put get their estates in order (and then do the rest of us a favor and explain how they did it). I'd LOVE to hear more about that. I realize it probably varies from state to state, but surely some things are similar.
We have lived through three of our four parents' passing.
First, if you are not the "close in distance" relative- do not moan over a salary for the one doing the care taking. The estate paid my bil $30,000 a year to do that for my mil. She was in an assisted care facility- but that did not mean that he said us oodles of $ by taking her to the doctor and doing her laundry. By visiting twice a week he found out things going wrong I the place. Unless you are willing to either move you loved one near you, or quit you job and move there, quite complaining! There is a heck of a lot more to do than you could ever imagine.
If you are the executor your legal bills and time can be paid for by the estate. The courts recognize that doing it on your own is not easy. Remind a seeing sib that they will get far less of it all taken to court- since the bills come out of the estate unless they win(which os more rare than you would think).
If you are left with nothing but bills-remember that you are not responsible for them even of you have to change your phone number!
Last, please make a will, assign an executor and a back up exectuor. Even if you go on line to Susie Orman and get something going ( and then take it to the bank to notorize your signature) it is better than the mess my bil (an attorney) left my sister….
I don't disagree with any of what you've said. But there are right and wrong ways to handle this. First, you have to consider the size of the savings before you can just decide to pay yourself 30k/year. 30k/year is one thing if the savings is a million dollars, and it's a totally different thing if it's $150k.
The most important thing is to be open about how an elderly parent and their finances are being managed. You're absolutely correct, if siblings don't like the arrangement, they should step up. But it should be an open discussion, not 1 person with all of the burden and all of the control.
What happens if there is an execut. and back up one and the first exect. sells the house of your mom's before she passes? He said the will is nul and void since there is no house there is nothing to split? My mother too was in a private assisted living but with what she had in her personal account and the sale of the house there is still $211,000.00. As she just passed 4 wks ago, where's that money? I asked for n accounting and he refuses to give one because he says there is no thing to account for….what then???
I hope that before you refused to sign the waiver, you at least asked to review the will and trust. Do you have reason to believe that you or anyone else will want to contest the estate? Does the trust appear, as far as you know, to inaccurately dictate your father's wishes? If not, then you may have just exponentially increased the duration and cost of the estate settlement for no good reason.
The attorney you spoke with did you no favor. Of course the waiver was broadly drafted–it is attempting to avoid any contest. The point it, what do you care if it was broad if you have nothing to contest? (And more importantly, is the estate worth enough that you would spend likely $100,000 in legal costs contesting the estate if you did disagree with something?)
Waivers are not bad things. There is no harm in waiving a right that you don't intend to exercise.
I have a revocable trust and a will. I am not married, don't have kids and probably never will, being age 55. My nearest relatives live 1200 miles away in a different state, so I wanted to make disposition of my assets as easy as I could for them. Also the smaller the amount of assest that has to be probated, the smaller court fees there will be as they are usually based on some percentage of the probated assets.
My will is called a pour-over will and says that any asset not already in my trust should go to my trust and be distributed according to the terms of the trust.
Not everything can be put into a trust. Like my personal possessions. I had an online checking account once that would not let me have the trust be the owner. I have a paper I-bond in my own name that is not in the trust. My electronic I-bonds are in the trust name. I have my condo and other bank accounts in trust name. I need to put a few taxable Vanguard accounts into my trust but have not gotten around to it. My Vanguard Roth IRA cannot be in a trust name for tax reasons, but I have the trust as beneficiary.
I used to have the trust as the beneficiary for my TSP (govt 401K) retirement money until my sister-in-law warned me that more money could be lost to taxes if I did it that way. My estate would have a whopping amount of tax-deferred money in it and the tax rate would be higher. So I changed the TSP beneficiaries to be various family members.
So with estate planning, you need to think about tax issues involving tax-deferred retirement accounts. Also need to keep track of all the various beneficiary forms you have filled out over the years and make sure they don't conflict with your plans in the trust and/or will.
I also created within my revocable trust, two trusts for my minor niece and nephew, to whom I would leave some money.
Keep in mind here that assets with their own internal beneficiary designation (like a bank account, IRA, mutual fund account, etc.) do not pass through a will or a trust so long as you have a beneficiary designated. They pass automatically on their own. (Of course, you can leave them to your trust if you wish, and then they will be administered according to the terms of the trust. But if all you want to do is leave them to a relative, simply designate the relative as the beneficiary or co-owner of the account, and forget about it.)
Hopefully I won't have to deal with settling an estate anytime soon. But I am intrigued by your ending (or lack of one…)
Jenna, "hoping" you won't need to do this soon is exactly why you should begin the planning process now. Unfortunately, accidents happen. The more prepared you are, the less stressful and unexpected death will be. Good luck, and get started
"Hoping" more for my family. My parents are still pretty young and have a plan. I'm still in my 20s and have my beneficiary all set up.
Estate planning is all about control. If you want to control how your stuff is distributed, without question, create an estate plan with a qualified attorney. Otherwise, you will be a victim of circumstance and will lose control of how your money is handed down. Same goes for your parents, so just ask them if they want to control what happens to their money. Both of you should seek the advice you need and set up a plan… this will give your family the peace of mind they deserve.
My family is almost two years into a very similar process. Charles Dickens' "Bleak House" springs to mind. I can't wait to read more about your family's experiences.
This is such a tough subject for families and it always seems to take most folks by surprise once it happens. Even though, as they say, the only inevitable things are death and taxes. (And both are clearly implicated here!)
Nice to see an article that tackles this tough subject from a lay perspective. Every situation will be VERY different (not just a little different) so it's impossible to go into much detail, but it gives us a good jumping off point for our own personal research. Thanks!
This sounds absolutely helllish. I am sorry. My parents like my little sisters more than me and I married an only child…maybe I can avoid this altogether…
I want to thank the writer for sharing her story and experience. I want to do right by my parents and in laws when the time comes, but the reality is I have very little control over they have chosen to set up their estates.
I think the writer's experience is fairly common. Wills, trusts, probate can be rambly drawn out affairs that we are terrified of screwing up because we don't know what's coming next, mistakes are expensive and they're always some insensitive lout in the bunch who's deeply critical of how it all goes down.
As a reader I was suprised at how the writer chose to present this without any indication from the outset this piece would be in two parts. A longer piece would have been more satisfactory than a cliffhanger in this case as there was no indication of what is coming and why two parts are necessary. Wasn't that the point? To give you a preview of what to expect?
I thought the piece would continue the next day and thought it was weird that there wasn't an indication of when to expect the second part.
First to the author, my condolances, my remaining parent also passed this March. I have also heard, and seen, horror stories. Fortunately to date nothing approaching the horrors has occurred, but what has become obvious is that this is a slow process even for a fairly straight forward situation. I expected this based on my friend's parents passing. It was weeks for the court to confirm my sibling as executor, before which we technically were not supposed to divide up any property (decisions were made though). It will be months to over a year before the primary asset (parent's home) is likely sold and then another month or two before all the final paperwork is settled with the court. My sibling is getting more advice than they know what to do with, much of it exaggeration and a good chunk flat out BS. So be careful of what you hear and check it out before acting on it.
Sorry about the Poster's Loss.
I am the executor when the time comes and am 1st on the POA's.
As things have happened, I ended up moving in with my Parents, I was in between jobs, can do my work over the 'net and was in the process of moving. So my Dad approached me as to moving in and that he needed help. Dad is 92 and Mom is 89 and she is rated moderately to severe Alzheimer's Dad had a Stroke in December that fortunately was classified as mild. Though he has cognitive problems that manifest themselves in short term memory problems.
I have one sibling, a younger sister.
They prepared their Wills, POA, Medical Instructions and such years ago and made periodic changes. While Mom was lucid we redid the POA's to make sure they complied with current laws. We also took her out of the equation if Dad were to pass first. That is I would have POA and not have to go to court to establish Guardianship, which I understand can take up to 30 days and cost in our area up to $3,000.
Because of all this the POA was written to become active as soon as it was signed and while my Dad was in the Hospital I "activated" it. Since he is having some problems understanding his financial affairs he is gladly turning over the grunt work to me. What that means is that I am becoming more aware of all of the documents and instruments. We are also making some minor tweaks, like adding/changing beneficiaries now. On Stocks, Car, Insurance, Annuities and such. I have gotten to know all of their various advisers and have read all of their financial documents.
He still signs the checks but the boring stuff I am doing. I do all the shopping and driving.
They are going to live many more years and they have lived a good life. They are actually in fairly good health, other than the Alzheimer's and we are having them age in place. They have a nice one level Condo that is inexpensive to live in. They do have Long Term Care Insurance when they need it. And it could be 6 months or 3 years or more before we look at the next move into Assisted Living.
We are currently working with an Elder Law Attorney to setup some Safe Harbor Trusts for the if and when.
I will say this, it is not for everyone. It is a lot of work and things are changing every week and even every day. I do have Caregivers coming in up to 4 days per week for 4 hours at a time, if needed.
Fortunately I had done Volunteer work over the last 15 years involving the elderly that provided training in those areas. And I have, since moving in, taken some Care giving Classes, that have been a great help.
So hopefully when the times some, it will not be a cakewalk, but I will have had some experience to lessen any horror stories of my own.
They have some decent assets, but are just middle class. My sister and I will probably get a few bucks. But I am counting on nothing. I have enough passive income to cover me in the future. Plus with Medicare not covering Assisted Living costs, it will be up to Long Term Care Insurance and their savings/assets to be paid down before being eligible for Medicaid.
So my point is that I feel that I am lucky that I am able to see the financial picture at a time that is a little more leisurely and less hectic.
I too do not support intellectual property' being stolen & others profitting from it.. BUT I do not want to see the internet being constantly policed' & arbitrarily controlled by CYBER-COPS'
Where can I get the documents to draw a Safe Harbor Trust for the State of Washington. I am a Para-Legal in Estate Planning for Wills and Trusts. Is there a Law Office in Washington State I can contact about these documents.
the trustee said I didn't have a crust_ .NO rights to my dad trust.
Anyone have any insight with NC laws on trusts? Do you have to start probate… I thought a trust kept you from having to do this & also not be responsible for any debts??? How much do things likeththis cost… I've heard $2,000 & then also $5,000-$10,000 plus it could take 1+ yes to settle!
I am not sure that I agree with the trust in that the trustee can or not distribute with disgresion. How can we just receive our parts of the oil and cotton like we have been currently and just obsorb the owners part and still have a trustee to negotiate and/or act on our behalf and sure with pay but for me I want to be the one to say when where and what will happen with my part and how I spend or save it not someone else. We started this to avoid the irs crush but mom always muttled through it so I believe I can as well. It has been six months now and when asked for an even draw for each of us was denied because waiting on attornys fees and another sibing being sued well that just draws out everything. I just want to receive my part monthly and yes I would like t have the taxes taken out and I would be willing to pay salary to the one who speaks for us all but to get paid at their disgression no I don't think so I want that part in my name and coming to me not wondering when it will come and exactly what are they investing in. What can you suggest?
I signed a waiver last year on behalf of my late brother and normally would not, being so shocked; heart hurting heavily, depressed and uncontrollable crying, I signed. I hate I did to this day as its been chaos with the county in which he lived. During his life time he mentioned his will to several family members and ironically there was not one when we learned of his death nearly 24 hours after he was found in his home. When my sisters and I made it to the county in which he lived, his home was locked up and we were never able to go inside as Independent Administrator were given keys and still has them to this day. We are in Texas and he (my brother) lived in Texas as well. I hired another Attorney and it did absolutely no good. He contacted Independent Administrator and the rest is history. He got some of the documents we asked for from IA but conducted no independent research of his on. Still in need of legal assistant but have no funds now. The legal/justice system in Texas is not fair or right.
My mother released a trust through the probate court, on august the 25 this year, but apparently the holding bank does not want to obey the court order and send the money to me, I was planning to use it to pay off some bills and put the rest into a savings account. But every time I call the account manager they are not there. This is considered the 4th largest bank in the world and so far its been a month since the probate court released the trust. How long can a bank draw this out, I thought once the court released the trust it was supposed to be sent within ten days.
I thought this was too choppy, actually. It felt like the author was told she had to include certain info, like the stats on inheritance.


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Management Structure
- Corporate Governance
- Management Structure
- Internal Control System
- The Ricoh Group has introduced the corporate audit system.
- The board of directors is responsible for management oversight and important decision-making concerning Group management. By appointing highly independent outside directors, the Group ensures transparency in management and its decision-making.
- Two of its 11 directors are outside directors. In addition to heeding various views and opinions, the Group aims to eliminate arbitrary decision-making in management.
- To ensure clear separation between management oversight and business execution, the internal regulations stipulate that the chairman of the company serves as the chair of the board of directors.
- The board of corporate auditors makes decisions on the direction of audits and the assignment of duties through discussions and it monitors corporate management.
- Corporate auditors attend all important meetings, including board meetings, and exchange information regularly with the representative director.
- In order to ensure that the corporate auditors can work effectively, the Corporate Auditor Office with designated support staff has been established.
- Under the executive officer system, the authority to execute business has been assigned to the respective execution departments in order to expedite decision-making and clarify the role of each department.
Board of dlrectors/Board of auditors
|Max.no.of directors
|Current no. of executives
|Board of dlrectors
|11, Including
2 outside directors
|2 years
|Board of auditors
|4, Including
2 outside auditors
|4 years
Group Management Committee
The Group Management Committee (GMC) is a decision-making body empowered by the board of directors that consists of executive officers. The GMC facilitates deliberation and flexibly makes decisions on the Group's overall management from the viewpoint of total optimization.
Nomination and Compensation Committee
The Nomination and Compensation Committee, a unique permanent organ consisting of two outside directors and three inside directors, plans appointment/dismissal and compensation of directors and executive officers.
Internal auditing
The Internal Management & Control Division, an organization that takes charge of internal auditing, reviews and assesses the status of business execution by respective business execution divisions properly according to the rules and in an objective manner to ensure legal compliance and adequacy of execution practices, and in addition, provides advice and recommendations for improvement. The results are reported on a regular basis to the Internal Control Committee established in the GMC.
External auditing
Ricoh has formulated a set of guidelines called the policy and procedures for prior approvals concerning audit and non-audit services. In accordance with the guidelines, approval must be obtained from the board of corporate auditors concerning details of and fees for auditing contracts.
Executive compensation
At the Ricoh Group, executive compensation is employed as an effective incentive to achieve a sustainable increase in corporate earnings in the pursuit of increased shareholder value.
The base salary of board directors consists of remuneration pertaining to management oversight, remuneration reflecting the importance of their individual roles and responsibilities, remuneration for the purpose of purchasing treasury stocks (except for outside directors), and variable remuneration linked to stock price performance during the relevant fiscal year. Ricoh has been strengthening its incentives for increasing shareholder value by allocating a portion of remuneration for stock repurchase so that there will be a common shareholder viewpoint among directors.
The amount of bonuses paid to directors is determined based on the achievement of key performance indicators such as sales, operating income, and ROA, which pertain to shareholder value and the company's competitiveness. Proposed executive bonuses are brought before the ordinary shareholders meeting for approval.
Compensation of corporate auditors is comprised solely of remuneration for their auditing duties.
Executive compensation
|Base salary
(¥ million)
(¥ million)
(¥ million)
|Outside Directors
|Corporate Auditors
|Outside Corporate Auditors
- *For the year from April 1, 2011 to March 31, 2012
Compensation for auditing by external auditors
Ricoh verifies the adequacy of time spent for auditing together with audit firms and certified public accountants (CPA) taking into consideration the scale and characteristics of our businesses regarding the finalization of compensation for auditing.
Compensation for auditing by external auditors
|¥ million
|Compensation for audliting services
|Compensation for non-audliting services
- *For the year from April 1,2011 to March 31,2012
Communication with shareholders & investors
General meeting of shareholders
With the aim of obtaining better understanding from shareholders, we continuously review and revise our notification of shareholder meetings and attached materials whenever necessary. To enhance shareholders' convenience, we introduced the Electronic Proxy Voting Platform for shareholders to exercise their voting rights via the Internet. A social gathering between executives and shareholders is held after a general shareholders meeting.Notice of Resolution at the 112th Ordinary General Meeting of Shareholders
Various explanatory meetings
The CEO regularly holds an investor meeting on Ricoh's mid-term management strategy and the progress of its implementation in the attendance of shareholders. In addition, meetings are held to explain in detail our quarterly financial results.IR Presentations
Expansion of IR site
Materials related to general meetings of shareholders, investor meetings, and financial announcements, are swiftly uploaded as they become available on our Investor Relations site for the benefit of shareholders and investors who are unable to attend related events. Ricoh's Investor Relations site was awarded a 2011 Internet IR Best Company Award in Japan, by Daiwa Investor Relations Co., Ltd.Investor Relations site
Communication with shareholders and investors
In addition to holding social events with shareholders, Ricoh organizes various events for shareholders, including tours of our business offices and explanatory events to introduce the company's cultural and sports activities (such events were held six times in fiscal 2012). We also hold meetings with both in Japan and overseas institutional investors (over 400 firms annually).


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Postwar activities
A colonel at 30, Lawrence was a private at 34. In between he lobbied vainly for Arab independence at the Paris Peace Conference in 1919 (even appearing in Arab robes) and lobbied vainly against the detachment of Syria and Lebanon from the rest of the Arab countries as a French mandate. Meanwhile he worked on his war memoir, acquiring for the purpose a research fellowship at All Souls College, Oxford, effective (for a seven-year term) in November 1919. By that time his exploits were becoming belatedly known to a wide public, for in London in August 1919 an American war correspondent, Lowell Thomas, had begun an immensely popular series of illustrated lectures, With Allenby in Palestine and Lawrence in Arabia. The latter segment soon dominated the program, and Lawrence, curious about it, went to see it himself.


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DOYLINE — The Lakeside Warriors and Doyline Panthers upped their parish rivalry Tuesday night as they meet in Doyline for "The Battle for the Paddle."
The Warriors carried the paddle home, as they defeated the Panthers, 69-61.
The Panthers led 19-12 after the first quarter, but the Warriors battled back in the second, out-scoring Doyline, 19-10, to take a 31-29 halftime lead.
Lakeside turned in a big third quarter, out-scoring Doyline, 21-15, to increase their lead to 52-44 going into the fourth quarter.
Both teams played even in the final quarter (17-17) to make the final score, 69-61.
Maurice Moore led the Warriors with 22 points and Frankie Miles added 15. Davian whiting dropped in 11 points and Nyles Moore had 10. Deandre Shehee scored eight points and Darryl Moore added three.
Lawrence Hester led Doyline with 24 points and Derek Brooks added 14. Trey Jackson had seven points and Justice Lindsey scored five. Brandon Hampton had six points and Jaylan Jackson scored five.
North Webster 97, Calvary 66
The North Webster Knights improved to 19-5 and 8-2 with a 97-66 district win over Calvary Tuesday night.
Montavious Smith led the Knights with 24 points and Lyntravious Gipson had 21.


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Birchbox.com: March Birchbox Haul
Birchbox lovers, fellow Pretty Pleasers, all our lovely friends, here is our March Birchbox Haul!!!! This has been my favorite box of samples till date. I received so many fun and new products for everything from my hands to body! This month's samples truly were a little bit of samplin' heaven! Without further ado, here's what I got!
The Goodies


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ATHENS – The saga that is Georgia's tailback situation continued on Wednesday as coach Mark Richt would not concede that either Isaiah Crowell or Carlton Thomas will be available to play against Georgia Tech on Saturday.
Richt met with the media for the final time this week before Wednesday's late-afternoon practice. He said that Crowell still hasn't gotten clearance from trainer Ron Courson to return from a sprained ankle the limited him to two carries against Kentucky this past Saturday. Richt said it would come down to how much work Crowell would be able to get in against the scout team Wednesday and Thursday.
"It's very similar to what we did with Malcolm Mitchell and his hamstring," Richt said. "We're just trying to get him as ready to go as we can without putting him in a competitive situation. The most important part is the scout work, the game plan and simulated work. So we'll see how much work he gets."
Meanwhile, Richt remained cryptic regarding Thomas, who served his third one-game suspension of the season this past Saturday. "I'm not sure what I'm going to do there," he said, quickly changing the subject.
For what it's worth, offensive coordinator Mike Bobo said Tuesday he expects both players to play. In the meantime, Brandon Harton and Ken Malcome are getting a lot of work in practice.
Regardless, not knowing who is going to the primary ball-carrier each week has become an issue for the Bulldogs.
"It's been a pain in the rear this year, no doubt," Richt said. "But there has been different reasons for all this. In football, whether it's injuries or suspensions, guys end up not being there and other guys have to step in to play. So you just play who you've got to play."
Shout out to Marshall?
It's no secret that Georgia is in hot pursuit of Keith Marshall of Raleigh, N.C., the consensus No. 1 running back prospect in America. Marshall lists the Bulldogs among his favorites and is scheduled to make his college choice on Dec. 6. Richt seemed to be talking to Marshall directly when he spoke of Georgia's need for more tailbacks on Wednesday.
"There's a tremendous opportunity at the University of Georgia for running backs in this class to come to Georgia and make a big impact," Richt said. "I hope that's not breaking a rule, but there's tremendous opportunity, I can say that. If I was a running back, if I was a great running back, I would want to come to Georgia. I would be so excited about my opportunity at Georgia."
The message reached Marshall. He retweeted Richt's comments after they were circulated on Twitter by reporters.
Geathers close to ready
Noseguard Kwame Geathers is practicing this week and expects to play Saturday against Georgia Tech. He missed last Saturday's game with a sprained right ankle.
"It still hurts a little bit but they're going to keep working on it," said the 6-foot-6, 350-pound Geathers. "It's the time of the season where everybody's hurt. You just have to play through it."
Geathers started three games this season and splits time with John Jenkins at position.
Thanksgiving plans
Georgia's players will be cut loose for the Thanksgiving holiday at 11 a.m. Thursday after a morning practice. The players that live close enough will head home and those that live far away will either accompany teammates home or attend assistant coach Rodney Garner's annual Thanksgiving extravaganza at his home in Oconee County.
The Bulldogs' defensive line coach and recruiting coordinator has been hosting displaced players on Thanksgiving ever since he came to Georgia in 1998 and before that when he was at other schools.
"It's just a traditional thing now," Garner said. "I hated eating in the dorm on Thanksgiving when I was at Auburn."I thought it was the worst thing that ever happened. Being from the country, I didn't think it was fair that we had to eat cafeteria food. So when I got into coaching I just decided I was going to make sure those guys had home-cooked food."
They said it
"You could go 11-0 but if you lose to Georgia Tech it's not going to be a good season. You could see that in 2008. A lot of people would say going 10-3 and winning the Capital One Bowl was a successful season for a program. But that loss to Tech really ruined that season and left a sour note in everybody's mouth."
– Senior tight end Aron White
Etc. . . .
Georgia defensive coordinator Todd Grantham was among 29 nominees for the Frank Broyles Award, which goes annually to the nation's top assistant coach. . . . The Bulldogs were practicing in full pads both Wednesday and Thursday in preparation for the Yellow Jackets' triple option. . . . Players plan to visit patients at Children's Healthcare of Atlanta and The Shepherd Center on Friday afternoon.
November 23rd, 2011
4:52 pm
November 23rd, 2011
4:52 pm
COOL, WHAT DO I WIN??? Starting RB job?
November 23rd, 2011
4:55 pm
"It's the time of the season where everybody's hurt. You just have to play through it."
Unless your Crowell and the whole season/team is depending on you. Just saying.
November 23rd, 2011
5:07 pm
Does anyone really think it was a real Georgia fan, named BUBBA, that called and barked on the phone to CPJ? If you truly believe that you are insane! I know it was a tech fan making fun of Georgia fans and I could almost bet that CPJ set it up.
November 23rd, 2011
5:09 pm
Chip, I think Crowell plays but in limited action.
Also, the Dawgs really do need to get another RB. My gut tells me that Crowell won't be back next season whether it be academically or whatever.
November 23rd, 2011
5:13 pm
I could care less if we started Branden Smith at RB as long as we win,
November 23rd, 2011
5:15 pm
Keith Marshall—you are needed in Athens and it is painfully obvious. Obviously you will get a lot of playing time as a freshmen. Athens is the greatest college town in the South. Come prepared to work hard, play hard, and leave well-prepared for the NFL with a degree and a campus community you will be proud to call home.
November 23rd, 2011
5:16 pm
Crowell wont be back?That's crazy…I never understand it when fans seem to be more concerned with a guy's stats than the team winning.What would you rather have…IC rushing for 2000 yds and we go 8-4?
November 23rd, 2011
5:17 pm
CPJ is one impressive guy. Why would a guy making a couple million dollars a year feel compelled to call out hard working Americans and mentally challenged people? His intelligence and good looks are exceeded only by his arrogance. GT and CPJ deserve each other.
November 23rd, 2011
5:22 pm
Nice article, Chip. Chock-full of stuff. I don't care who plays as long as we win also.
November 23rd, 2011
5:43 pm
Why do people think that crow ell want be back next season? Don't get it.
November 23rd, 2011
5:47 pm
The reason people don't think he will be back is (1) grades & (2) lack of heart.
November 23rd, 2011
5:50 pm
Are you one of them?
November 23rd, 2011
5:54 pm
November 23rd, 2011
5:58 pm
Keith Marshall we need you here at Tail-back U.
November 23rd, 2011
5:58 pm
None of these Crowell bashers seem to remember that Lattimore was hurt and missed a ton of playing time at the end of last season. You can't run a freshman back like a rented mule in the SEC and expect them not to get banged up. And remember, if Ealey and King had done what they were supposed to do both on and off the field, IC wouldn't have to carry so much of the load this season. Also like to give a shout out to Tide Roll….Greg Pyke was ranked ahead of Brandon Greene in the 247 OL recruiting rankings, so if Pike is just Terrible, what does that make your star OL recruit?
November 23rd, 2011
6:00 pm
Do you know him personally?
If not how can you be a judge of his character?
People the kid is still a teenager come on he is not mature yet!
Kids make mistakes people make mistakes we all have and do!
I think it's sad how people come on hear and are so upset that a kid messed up and missed a game or got hurt and you bash him cause your team did not play as well, and that shrinks your manhood!
November 23rd, 2011
6:00 pm
Crowell will start and run for 200+ yards averaging 8+ yards per carry against a below average nerd defense. Thomas will be there suited out for Tech but will see little playing time. He will get to use his last year of eligibility at a Division II school.
November 23rd, 2011
6:00 pm
Isaiah Crowell: The Jasper Sanks of the New Millenium™
There is no woofing way he makes it past next season.
Book it, done.
November 23rd, 2011
6:02 pm
People crowell or any of these kids do not owe you any thing!
November 23rd, 2011
6:04 pm
Isaida Cropwell will be back and he will be fine. Can U remember when you were 18? I could just bare tie my flip flops.
November 23rd, 2011
6:04 pm
Me too.
November 23rd, 2011
6:05 pm
Richmond Dawg
Right on my man!
November 23rd, 2011
6:07 pm
I was referring to Rodney Hampton's comment.Not tying my shoes.
November 23rd, 2011
6:21 pm
Don't y'all worry about my grades. I got me an Urkel though he does look funny in dreds.
November 23rd, 2011
6:37 pm
The Dawgs are only as good as the sporadic Murray is on that particular day.
Crowell will play,,albeit sparingly. Look for Malcome to get 15-20 carries.
November 23rd, 2011
6:47 pm
Amen OkieDawg. If CPJ were our coach, the Tech fans would be RAILING on him non-stop.
November 23rd, 2011
6:51 pm
Richt being cryptic on Carlton sounds like a NCAA issue the University is looking into? Hope not and hope it doesn't affect the games already played.
November 23rd, 2011
6:53 pm
Crowell will be fine,first year running back in the SEC it happens.We need to get the two backs out of Carolina to sign and we will be in great shape next year.The DAWGS will show CPJ how overrated the SEC is.This year we will win as usual but I think that Granthams boys are going to strangle Tech and Murray is going to light that weak defense up…….
November 23rd, 2011
7:03 pm
Amazing video of a high school senior from Columbia TN who kicks the ball dead straight 75-80 yards in the air. He was successful on 54 of 54 attempts this season….100%. Now he needs a college team. Wants to go to GT
Watch for yourself…it is unreal!
November 23rd, 2011
7:12 pm
Dawgpost says crowell and thomas are playing…
November 23rd, 2011
7:20 pm
Richt is just waiting to see how Crowell is feeling before he decides on Carlton's suspension. If Crowell is still hurting, you better believe that the suspension will be lifted. Richt needs to win this game and won't have anyone suspended unless they get a DUI this week.
November 23rd, 2011
7:20 pm
Just GATA and don't worry about any of the bull. GO DAWGS!
November 23rd, 2011
7:21 pm
What did U people expect from a 18 year old kid straight out of high school? It's like you people don't even follow this program!
#1 He is a true freshman
#2 The whole team spent the summer working out with Joe T….Crowell didn't! He is not conditioned the way the others are….that's why he takes himself out! Even Crowell's high school coach said this before the season started.
#3 He only knows 60% of the playbook….It was said early in the year from Richt that Murray would have to line him up most of the time.
#4 He is not Hershel Walker nor will there be another Hershel walker!!!!
#5 Latimore stayed hurt, and missed games from injury last year
#6 Could any of us do better!!!???
I for one think he is a very talented kid! I think he is doing a great job!
Go DAWGS!
November 23rd, 2011
7:33 pm
I'm hoping this is the weekend for Malcome to break out, getting 100+, but we'll see. If we can win by a nice margin, it would be nice to rest IC for next week, getting 100+ for Harton, too. IC is going to be fine. It will actually get a lot easier for him as he gets more time under his belt. Most kids come in under the radar, concentrate on their schoolwork in their first semester away from home and practice fairly low profile football. IC was thrown into everything at high speed and in all sectors. I think that will help him a lot in the next couple of years.
November 23rd, 2011
7:33 pm
dawgpost says they are playing. bottom line
November 23rd, 2011
7:36 pm
Norris do you have a link?
November 23rd, 2011
7:38 pm
We need Marshall to replace the great ic.
November 23rd, 2011
7:41 pm
how 'bout a photo from inside Bobby Dodd stadium 45 minutes before kickoff?
November 23rd, 2011
7:47 pm
says they are playing
November 23rd, 2011
7:52 pm
November 23rd, 2011
7:58 pm
My gosh people are bashing I.C. Look this kid is very talented. What would the season be without him. Maybe 5-5. Wasn't it cmr who wanted this kid so bad. It was also all of dawg nation. Every since this kid signed people have been trying to bash this kid. Some said he was dumb, but guess what he qualified for college his jr year of high school. Some said he is not a good rb but 800 yards in the SEC as a freshman ain't bad. Lay off this kid, most people that are one here are no where near the athlete this kid is.
November 23rd, 2011
8:06 pm
Hope he plays.
November 23rd, 2011
8:27 pm
Cj,I've never heard anyone questioning the kid's intelligence or talent level.It's his heart,his attitude,his look of complete indifference on the sideline.He actually looks like he doesn't want to play.
November 23rd, 2011
8:28 pm
How is the Marshall kid, character, grade wise? Anyone have any good accurate info? I'm not sold on Crowell, doesn't sound like the staff is either if they are going after him that hard. Just reading between the lines.
November 23rd, 2011
8:36 pm
Ga dawgs, CHDawg and Cj,
Good points, I agree one hundred percent.
Don't forget that Crowell was the consensus number one ranked back in the country. UGA recruited him hard and convinced him to enroll at UGA.
He's a talented, passionate player that lays it on the line every play. That's evident by the passion that he displays. He's a freshman trying to navigate his way through the massive workload thats been place don his shoulders. He realizes the expectations that have placed upon him and I'm sure that he is disappointed in his setbacks and you have to believe that he wants to contribute to his team's success. That being said, I hope that he gets healthy for the SECCG, I don't really think that he needs to try and come back too early for the Tech game, don't think that he is needed.
I hope that Richard Samuel makes it back for the SECCG and if he does, I hope that he has a great game and experience. Richard is Damn Good Dawg. This kid has kept his head down, his nose clean and has done everything that this coaching staff has asked of him. I think that he would rather be playing linebacker than toting the rock but he is sacrificing for his team, sacrifice to the point of risking future dividends by comprimising his value in the NFL draft if that is his aspirations.
November 23rd, 2011
8:44 pm
Mobile Dawg,from what I've read he's above average grade wise,not spectacular,but won't have a problem qualifying.Everyone says he's a great kid character-wise,but with our track record…..who knows?
November 23rd, 2011
8:44 pm
Mobile dawg
He wants to enrole in January, he likes noter dame for academics.
He does not seem to be the flashy kind looking for the camera, if you get what i meen.
November 23rd, 2011
8:48 pm
If Isaiah Crowell doesn't tape up his ankle and play Saturday, then he need s to pack up his stuff and find him another school to go play for. This never being able to play more than a few plays before coming out junk is pure bunk! Plus, all these minor bumps and bruises keeping him on the sideline is a bunch of bull crap, too. This modus operandi is now officially unacceptable.
This kid has all the talent in the world and absolutely no heart.
Mr. Marshall…if you have half the talent the experts say you do but possess the heart of a lion, we want you.
And we need you.
November 23rd, 2011
8:51 pm
Thanks for the info, I hope he commits. That in itself "should" light a fire under IC.