Saturday, February 20, 2010

Where Dat? Where Dat Billion? { The Billion dollar question the league doesn't want you to ask? }


WHERE DAT? WHERE DAT BILLION?
Q: Why is the league incorrect when it claims that 75% of the increase in revenues in the years since the new CBA have gone to the player costs?
 
A: The league is doing its calculation AFTER deducting over $1Billion of increased revenues it and the teams received since 2006.  It argues that the CBA allows technical exclusions of revenue for purposes of calculating the salary cap.
 
Q: But isn’t that $1Billion real money and real revenue?
 
A: Yes. The league and teams have received $4.81Billion in increased revenue since 2005, not the $3.64Billion the league claims.

For more click link. http://web2.nflplayers.com/Articles/CBA%20News/Where-Dat--Where-Dat-Billion/

Past, Present, Future: The NFLPA'S Commitment to Retired Players { Working to improve retired players benefit packages }


  •  The NFLPA is constantly working to improve retired player benefits and access to these benefits.
  •  The vesting requirement for the Retirement Plan has decreased from 5 years to 3 years.
  •  The minimum monthly benefit credit has quadrupled since 1993, from $60 to $250.
  •  Plan 88 was added to the CBA in 2007 providing eligible retired players with up to $88,000 per year for medical and custodial care resulting from dementia or Alzheimer’s.
  •  In 2007, surviving widow and children benefits were tripled.
  •  The deadline of 48 months to allow players to apply for Line of Duty disability benefits was increased to the greater of 48 months or the number of credited seasons earned.
  •  Most players receiving Total & Permanent (T&P) disability will now only go through a continuation review every 5 years, as opposed to 3 years.
  •  Players who took their NFL pension early, and therefore were ineligible to apply for and receive disability benefits, recently had the opportunity to apply for T&P disability.
See the rest...  http://bit.ly/a3vsFW

Thursday, February 18, 2010

Protect yourself from a double-dip recession

(Money Magazine) -- Question: We're in our late 60s, retired and have a comfortable amount of money in retirement accounts, mostly mutual funds. My husband wants to liquidate most of our holdings and put the proceeds in money market funds, laddered CDs, maybe an annuity, as he fears the political situation will lead to another recession. Is he right? --Sharon, Kennewick, Washington

Ultimate guide to retirement When should I start saving for retirement?


The answer is simple: as soon as you can. Ideally, you'd start saving in your 20s, when you first leave school and begin earning paychecks. That's because the sooner you begin saving, the more time your money has to grow. Each year's gains can generate their own gains the next year - a powerful wealth-building phenomenon known as compounding.

Here's an example of what a big difference starting young can make. Say you start at age 25, and put aside $3,000 a year in a tax-deferred retirement account for 10 years - and then you stop saving - completely. By the time you reach 65, your $30,000 investment will have grown to more than $472,000, (assuming an 8% annual return), even though you didn't contribute a dime beyond age 35.

What you really need in retirement: friends

(Money Magazine) -- My wife is always chiding me that I spend too much time working and not enough keeping up with friends. "You'll be sorry when you retire and don't have anyone to do things with besides me," she warns. I hate to say it, but she's right. It's easy to assume retirement planning is all about the bucks, but nonfinancial issues matter too.

Nolan's Quote of the evening

Anger, if not restrained, is frequently more hurtful to us than the injury that provokes it.
Lucius Annaeus Seneca 

Wednesday, February 17, 2010

Quote of the evening

Now the reason the enlightened prince and the wise general conquer the enemy whenever they move and their achievements surpass those of ordinary men is foreknowledge.
Sun Tzu 

There Will Not Be a Lockout in the NFL

Public discussion of the looming labor war in the National Football League has all but conceded that NFL owners will lock out players if there is not a new collective bargaining agreement by March 2011. Owners will not lock out players in 2011. Instead, NFL owners will employ a tactic that enhances their leverage in CBA negotiations, increases their share revenues over what they retain under the current CBA, and avoids the wrath of fans, which would surely follow a lockout...

Edwards isn't happy being caught in middle

Sunday, February 14, 2010

Quote of the night

A small body of determined spirits fired by an unquenchable faith in their mission can alter the course of history.
Mohandas Gandhi 

Keep Your Knees Healthy, Eleven million men and women over 45 will suffer from knee pain this year. Here's how to avoid becoming one of them


Three years ago Linda Morse tossed a tennis ball gracefully overhead, reached for it with her racket, planted her left leg on the hard tennis court for leverage, and felt something snap. "It was one of those 'Oh, no' moments," says Morse, now 73. "Most people I know who play tennis have some kind of knee trouble, and now, I just knew, I did, too."

In a typical year more than 6 million men and women 62 and older—and another 5 million between their mid-40s and early 60s—will visit a doctor because of knee pain. Knees are one of the most commonly injured joints and the most likely to be afflicted with arthritis. Strange twinges or clicking noises are familiar complaints as well, along with—more dramatically—pain, swelling, and a tendency for the joint to seize up.

Serious knee problems aren't inevitable, though. The human knee, most experts agree, can outlast us, provided it's not abused and receives some basic preventive maintenance. The right lifestyle and activity choices can help make your knees stronger, healthier, more pliant—and less likely to end your tennis game or any other sports.
When all is well inside your knee, it easily withstands loads equal to more than four times your body weight. It can also gyroscope in three dimensions, allowing your leg not just to bend, but also to pivot and twist. "It's a remarkable construction," says Charles Kenny, M.D., an orthopedist in Stockbridge, Massachusetts.

The largest joint in your body, the knee is a complex interweaving of ligaments (which attach bone to bone), tendons (attaching bone to muscle), bones (principally the tibia, or shinbone; the femur, or thighbone; and the patella, or kneecap), and cartilage, a specialized tissue that provides cushioning. You have two types of cartilage in your knees. The first is the meniscus, a small, crescent-shaped pillow of squishy material that sits between the tibia and femur and acts as a shock absorber; there are two menisci, one on each side of your knee. The second type of knee cartilage is articular cartilage, a grand-sounding name for the thin layer of cells that covers the ends of the bones, like socks, and serves about the same purpose: keeping the bone ends safe and giving them a smooth, frictionless surface to move against.
But the knee's intricacy also makes it vulnerable. An injury, even one you suffered years ago and forgot about, can render your knee slightly unstable, like a car that's rattled itself out of alignment. The tissues holding the knee together shorten, pulling the bones out of their ideal positioning. To imagine what happens next, think of your misaligned car's balding, frayed tire tread. That's what the cartilage looks like inside an unstable knee. If it wears away completely, you have bone-on-bone arthritis, a painful condition.

Aging doesn't help. "By your 40s or 50s, the meniscus is becoming dehydrated," says Frederic Nicola, M.D., an orthopedic surgeon in Marina del Rey, California. This makes it more prone to a tear. In addition, as you get older, cartilage cells don't divide and reproduce as well as they once did, which causes the cartilage around your knees to grow thinner and less resilient. If you're not careful, the same movements you've always made—walking, serving a tennis ball, going up and down the stairs—can tear or bruise the knee's tissues.

So how can you keep your knees agile and pain-free?

Move more
"I know it sounds counterintuitive, especially if your knee is sore, but the most important thing for knee health is to be active," says Leigh Callahan, Ph.D., an associate professor with the Thurston Arthritis Research Center at the University of North Carolina. A knee that isn't used stiffens; the muscles around it start to atrophy, and because these muscles would otherwise absorb some of the shock that moves up the leg with every step, a stiff knee has to take on more of the body's weight than a supple one.

Strengthen your thigh muscles
In a 2009 study of 265 men and women with knee osteoarthritis, Mayo Clinic researchers found that those with the strongest quadriceps (thigh muscles) had less knee pain and better physical function than those with the weakest. But there's a right way and a wrong way to build those muscles. If you're an avid gym-goer, avoid the leg-extension machines, Kenny suggests. "They put far too much stress on the knee joint," he says.

Stretch regularly
Maintaining flexibility is important, especially in the muscles and tendons that connect directly to the knee, such as the hamstrings and the quadriceps. If these tissues become overly taut, they can pull the knee out of alignment.

Lose the weight, finally
Losing as little as 5 percent of your body weight can dramatically reduce your chances of developing knee arthritis, the most common cause of knee pain, according to the authors of a study presented last November at a meeting of the American College of Rheumatology.

Take glucosamine/chondroitin
Many doctors recommend taking 1,500 milligrams (mg) of glucosamine and 1,200mg of chondroitin daily to strengthen aging cartilage. Their use is controversial because no studies have proven they work. But no studies have found a downside, either. "I firmly believe that this helps," Nicola says.

Get to the doctor—pronto—if your knee is swollen
Likewise, a rattling, grinding noise, or a feeling of gravel moving around inside your knee, should prompt a visit to the doctor. These can be early warning signs of damaged cartilage. Fortunately, several techniques have been developed in the past few years to repair worn cartilage, including autologous chondrocyte implantation: a surgeon suctions out some of your living cartilage cells, grows millions of copies of them in the lab, then reinjects them into your knees. The technique is new—and is best used on tiny areas of worn cartilage. But researchers believe so-called tissue engineering could one day offer relief even for those with full bone-on-bone arthritis.

If your doctor recommends surgery right away, seek a second opinion
"I personally think there's more knee surgery being done these days than is warranted," says Kenny, himself a retired surgeon. Several major studies of arthroscopic surgery to remedy sore knees have found little or no benefit. Physical therapy, as well as anti-inflammatory medicines, can be just as effective—and less invasive.
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After that fateful day on the tennis court, Linda Morse visited an orthopedic surgeon, who diagnosed a tear in her meniscus and scheduled her for surgery. But when he went into her knee, he found no tear—just a little arthritis. Since then, Morse has dedicated herself to protecting her knees. She exercises regularly, keeps her build lean, and doesn't play on hard tennis courts anymore. "It's made me diligent," she says of her injury scare. "Today I feel like I have the knees of a 40- or 50-year-old."
Gretchen Reynolds writes the Phys Ed blog for The New York Timesonline. For black-and-white reprints of this article call 866-888-3723.

NFLPA Retired Players and NFL Alumni Association, there is a difference.

OK, I have heard from many fans, "what is the difference between the NFLPA retired players and the NFL Alumni Association?" Well, I will answer that important question.

The NFLPA retired players is the only true group that advocates for the former players of the NFL. The NFLPA retired players group was founded 26 years ago to address pensions, community involvement and be a force for improving the quality of life for all retired players. The NFLPA retired players has given out $7.1 million in payments to 1,151 retired players in need since its inception. The NFLPA retired players provides educational opportunities through a partnership with the University of Phoenix. The NFLPA retired players provides employment assistance with the NFLPA retired players Job Board. The NFLPA retired players founded the "Alliance" which is now called the NFL Player Care Foundation. That created programs and services that provide players with joint replacement surgeries, hearing aid assistance, financial counseling, prescription drug cards, assisted living, Medicare supplement benefit, heart and health screenings, prostate screenings, heart and lung surgeries, and medical research. The NFLPA retired players leadership is comprised by 34 chapter presidents who are governed by a nine member national steering committee comprised of a president and eight vice presidents. The NFLPA retired players are funded by the current players of the NFLPA.

The NFL Alumni Association was initially created as a "Caring for kids" charity and funded entirely by the NFL and the Owners. They hold golf tournaments in every team city which culminates in the Super Bowl of golf in Hawaii. Since their formation some 20 years ago they have given out roughly $60 thousand to players in need. The NFL Alumni Association merged with a group called 4th and goal this past year and changed its mission to become an "independent" advocacy group for retired players and HIRED an executive director. The NFL has given a $1 million interest free loan to the new executive director. The NFL Alumni Association has partnered with Morehouse University for Traumatic Brain Injury research.

My question is this. How can a group be called "Independent" and take a loan from the NFL Ownership group? How can a group be "Independent" if it continues to be funded by the NFL teams? How much is the NFLAA paying the NFL for the right to use the NFL logo which costs millions for other corporations to license? These are questions to be answered if a group wanting to serve the interests of the retired players of the NFL by calling themselves independent. The NFLPA retired players has been serving the needs of retired players without a question of the origins of the finances or the motives of the group behind the scenes.

For all of the fans and players the difference should be clear. Who unquestionably has the back of the retired players and the current players of the NFL? The NFLPA Retired Players.

Goodell’s Contract Re-Upped By NFL Owners; Next Step, Avoid NFL Lockout in 2011

Goodell’s Contract Re-Upped By NFL Owners; Next Step, Avoid NFL Lockout in 2011

Harris: NFL owners figure to win labor fight

Here's a sports fan's eye-view of the cantankerous labor negotiations between NFL owners and players:

On the way to the posh Four Seasons hotel in New York City to hammer out a deal, the players' Ferrari collides with the owners' limo. During an argument over who's at fault, a plate of Waterford China carrying Beluga caviar is shattered.

Mayhem ensues, and an arbitrator sends both sides to a neutral corner.

Perceptions being what they are, the sports public doesn't give a hoot about who's right, who's at fault, how much money players are making, or how much money team owners are losing.

Joe Pittsburgh is paid by the hour, lives paycheck to paycheck and has just enough money left over to buy a marked-down, size XXL authentic Troy Polamalu game jersey.

It's bad enough that grown men can become rich playing a kid's game and that in many NFL cities taxpayers foot the bill to finance the stadiums where the games are played.

But being forced to read and hear about billionaire owners squabbling with millionaire athletes over profit margins when the American economy is trying to stave off disaster is a slap in the face to sports fans everywhere.

The bottom line is no one wants to see a work stoppage in 2011. Owners and players would be foolish to kill their golden goose.

This is all about give and take. And it doesn't matter what side's giving and what side's taking.

Commissioner Roger Goodell, who represents the owners, wants the players to agree to a rookie wage scale. Union chief DeMaurice Smith, who represents the players, wants owners to give some of that concession money to veteran players.

Neither side is budging.

What's the problem? The NFL is experiencing unbridled prosperity.

The league is coming off a season in which Super Bowl XLIV between the New Orleans Saints and Indianapolis Colts was the most-watched program in the history of television with an average of 106.5 million viewers, taking over the spot held for 27 years by the final episode of M*A*S*H.

A commercial spoofing Doritos during Super Bowl XLIV was seen by an estimated 116.2 million viewers, making it the all-time most-viewed airing of a TV commercial.

Advertisers paid as much as $2.8 million for a 30-second commercial during the game.

Smith said the league would receive $5 billion from its television network deals even if no games are played in 2011. That would give owners less incentive to strike a deal.

Players, on the other hand, won't be paid if no games are played in 2011.

Baltimore Ravens owner Steve Bisciotti said that some teams are bleeding money. But why ask players to make concessions now?

If owners want players to give back money, why are they paying them so much in the first place?

Why did Washington Redskins owner Daniel Snyder sign defensive tackle Albert Haynesworth to a $100 million contract with $41 million guaranteed last year?

Why did the Detroit Lions give No. 1 overall draft pick Matthew Stafford $41 million guaranteed? The Lions are owned by William Clay Ford Sr., whose family's other business, Ford Motor Company, is struggling to sell cars. Still, the Lions lavished money on an unproven rookie quarterback before he took his first NFL snap.

Why did Indianapolis owner Jim Irsay tell reporters during Super Bowl week that he wants to make quarterback Peyton Manning the highest-paid player in the league, including up to $50 million in bonus money?

If teams are hurting financially, how can Irsay reward Manning with a record-setting contract?

The owners set the pay scale. Now they're asking the players to save them from themselves.

And if the players don't go along with the program, they'll be cast as greedy money-grubbers who don't care about the fans who buy their jerseys and support their teams, even in a recession.

Given that the owners have a built-in $5 billion nest-egg in the event the league closes shop in 2011, the players figure to be the ones giving and the owners taking in order for labor peace to ensue.

Sunday, February 7, 2010

NFL Players Association Super Bowl XLIV Press Conference

The NFLPA has revamped our website and the link for the video is changed. Here is the link for it on UTube along with visiting the new www.nflplayers.com and it is on the front page link 3. Thanks for all of the congrats! I hope all of you will join me in the www.CreateTheGood.Org and help your communities.