In big switch, Gen X frets about retirement

By Allison Linn, TODAY

Generation X is getting more worried about retirement.

A survey released Monday shows that Americans aged 35 to 44 are now the most worried about financing their retirement,?a stark turnaround from 2009, when people in that age group were among the least worried about money for retirement.

The survey, from?Pew?Social and Demographic Trends,?appears to reflect the lasting impact of the long economic downturn: In general, people of all ages are more pessimistic about retirement than they were three years ago, the researchers found.

About 38 percent of the more than 2,500 people Pew surveyed said they are not that confident they have enough income and assets for retirement. That?s up from 25 percent in 2009, when the nation's economy officially came out of recession.

Pew Research Center

Gen X has grown the most worried about retirement.

The Pew report found that 49 percent of those 35 to 44 were either not too or not at all confident that they would have enough money to live on in retirement, compared with just 20 percent who had that concern in 2009.

The Pew researchers said one reason the Gen-Xers may be feeling doubtful about retirement is that they are less likely to have retirement accounts.?The?percentage of people ages 35 to 44 who have a retirement account has fallen 9 percentage points between 2001 and 2010, to 52 percent, according to Pew's analysis of government data.

Gen X also may be feeling gloomy because they?ve lost so much wealth in recent years.

A Census Bureau study released a few months ago found that those in the 35-44 bracket experienced the biggest percent decline in median household net worth between 2005 and 2010.

Median net worth for those households declined 59 percent during that period, from $80,521 in 2005 to $33,200 in 2010. The figures are adjusted for 2010 dollars.

The Census Bureau report also found that 45- to 54-year-olds saw the biggest hit in terms of actual dollars lost during between 2005 and 2010.

People in that age group also are feeling much more pessimistic about retirement than they were three years ago, the Pew researchers found.

About 43 percent of 45- to 54-year-olds said they feeling less than confident about their chances of having enough to live on in retirement, compared with 33 percent who felt that way three years ago.

The most optimistic group were people over age 65, but even they have grown more antsy. About 28 percent of people who fall in the traditional retirement age window said they were not very confident of having enough retirement savings to live in, compared with 19 percent who felt that way three years ago.

Related:

Gen X may have?taken biggest hit in economic downturn?

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How confident are you that you will have enough money to retire?

Source: http://lifeinc.today.com/_news/2012/10/22/14618056-generation-x-now-most-worried-about-retirement-survey-finds?lite

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CDC: Death toll rises to 23 in meningitis outbreak

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HBT: D-backs, A's, Marlins pull off 3-way deal

Here?s doozy of a trade to break up an otherwise quiet day around major league baseball.

Per announcements from the clubs involved, the Diamondbacks, Athletics and Marlins have pulled off a three-way trade which will send Heath Bell to Arizona and Chris Young to Oakland.

Here are the specifics as we have them right now:

The Diamondbacks dealt outfielder Chris Young and cash considerations to the Athletics for infielder Cliff Pennington and prospect infielder Yordy Cabrera. The Diamondbacks then sent Cabrera to the Marlins in exchange for reliever Heath Bell to complete the three-team deal.

Clark Spencer of the Miami Herald reports that the Diamondbacks will cover $13 million of the $21 million remaining on Bell?s contract. It?s clear that something had to be done with the disgruntled reliever after his disastrous first season in Miami, where he clashed with manager Ozzie Guillen and even some teammates. With that in mind, the Marlins have to be thrilled that they were able to not only get rid of Bell, but somehow convince the Diamondbacks to cover the majority of his remaining salary.

We knew the Diamondbacks would likely deal at least one of their outfielders this winter, but it?s hard to believe Kevin Towers couldn?t do better than this as a return for Young, especially considering the money they will now owe to a declining reliever. And in a poor environment for a bounceback, to boot. Towers must really like Pennington, but it?s hard to understand the rush. The Diamondbacks picked up the option on J.J. Putz?s contract for 2013 this morning, so Bell will be asked to pitch in a set-up role with his new club.

This looks like an excellent deal for the Athletics, even though Young is a bit of a curious fit with Yoenis Cespedes and Josh Reddick set in the corner outfield spots and Coco Crisp under contract for $7 million for next season. Still, hard to pass up a deal for a talented center fielder at this price. They likely got a bit of a discount because of Young?s shoulder injury from this season.

Young, 29, is owed $8.5 million in 2013 while his contract includes an $11 million club option for 2014 or a $1.5 million buyout. Per Steve Gilbert of MLB.com, the Diamondbacks are sending $500,000 to Oakland as part of the deal.

Given the surplus of outfield talent with the A?s, it wouldn?t be surprising if we see some more wheeling and dealing from Billy Beane soon, possibly with a deal involving Crisp or Seth Smith. It?s also worth noting that by dealing Pennington to the Diamondbacks, the A?s are more likely to exercise their portion of the $10 million player option Stephen Drew?s contract for next season.

Cabrera was ranked as the No. 15 prospect in the Athletics? organization by Baseball America coming into this season, but his numbers have been pretty underwhelming as a pro. The 22-year-old has a .230/.297/.351 batting line and a .648 OPS over three seasons and has yet to play above High-A. This was mostly about the Marlins getting out from under Bell?s contract. And they certainly accomplished that goal.

Source: http://hardballtalk.nbcsports.com/2012/10/20/dbacks-as-and-marlins-pull-off-three-way-deal-heath-bell-to-arizona-chris-young-to-oakland/related/

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US military imposing curfew in Japan after attack

TOKYO (AP) ? The commander of the U.S. forces in Japan says American military personnel will be subject to a curfew and other restrictions following allegations two U.S. sailors raped a woman in Okinawa.

Lt. Gen. Salvatore Angelella gave no specific details about the curfew. He said Friday that U.S. military personnel in Japan will have to take "core values training." The military's liberty policy is also under review.

Angellela says American military personnel are "held to a higher standard." He apologized for the case, which drew protests from the Japanese government and an outcry on Okinawa, host to more than half the U.S. bases in Japan.

Seaman Christopher Browning of Athens, Texas, and Petty Officer 3rd Class Skyler Dozierwalker of Muskogee, Okla., were in Okinawa on a brief stopover. Both are 23.

Source: http://news.yahoo.com/us-military-imposing-curfew-japan-attack-073854892.html

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Cardinals Beat Giants 8-3 In NLCS Game 4 To Take 3-1 Series Lead

ST. LOUIS ? One more win and another bunch of wild-card Cardinals get their chance to repeat.

Adam Wainwright threw seven innings of four-hit ball and St. Louis roughed up Tim Lincecum and the San Francisco Giants in an 8-3 rout Thursday night that gave the Cardinals a 3-1 lead in the NL championship series.

The defending World Series champions can wrap up their second straight pennant as a wild card with a victory at home Friday night in Game 5. Lance Lynn faces Giants lefty Barry Zito, and a Cardinals win would set up a 2006 World Series rematch with Detroit.

Matt Holliday, Jon Jay and Yadier Molina had two RBIs apiece to lead a 12-hit outburst by a team that batted just .198 through the first three games against San Francisco.

"They had their backs against the wall against the Reds and won three in a row, so we've still got our work cut out for us and this series is by no means over," Holliday said.

Lincecum was a bust in his first postseason start since the World Series clincher over Texas in 2010, giving up four runs in 4 2-3 innings.

The two-time Cy Young Award winner with the quirky delivery earned a shot based on nearly spotless relief work earlier in the postseason but reverted to regular-season form, when he was 10-15 with a 5.18 ERA, worst among qualifying starters in the National League.

Wainwright was a glorified cheerleader while rehabbing from elbow reconstruction during the Cardinals' improbable title drive last fall after earning the wild card on the final day and then upsetting the favored Phillies, Brewers and Rangers to give manager Tony La Russa a chance to retire on top.

Under rookie manager Mike Matheny, the 88-win Cardinals were the final team to qualify this year, too. Once again, they've stepped up their game.

Wainwright bounced back from a poor outing in Game 5 of the NL division series against Washington, striking out five and walking none for his first postseason victory as a starter. The lone damage against him came on Hunter Pence's first homer and RBI of the postseason, a second-inning clout estimated at 451 feet that soared over the visitor's bullpen into the left-center bleachers to cut the Cardinals' lead to 2-1.

Now, the 14-game winner is on the verge of his first World Series as an active player since striking out Brandon Inge as the stand-in closer for injured Jason Isringhausen in the 2006 clincher over the Tigers.

Just 12 pitches in, the Cardinals had two hits and the lead, and Lincecum got a visit from pitching coach Dave Righetti. Jay opened the first with a single, Matt Carpenter walked on four pitches and Holliday singled up the middle for the lead. Allen Craig tacked on a sacrifice fly.

"I've just been working on my swing and I felt more comfortable tonight," Holliday said. "I was able to get some pitches to hit and hit them hard and good results ? that always helps the confidence."

Lincecum escaped trouble in the second after issuing two more walks, one of them on five pitches to Wainwright. The Cardinals missed a chance to add on after Pete Kozma reached on third baseman Pablo Sandoval's fielding error to open the inning when he was thrown out trying to steal.

Lincecum had retired eight in a row before running into trouble in the fifth.

Carpenter doubled off the top of the wall in right-center with one out. He held up until Holliday's single fell in front of fast-charging center fielder Angel Pagan, but third base coach Jose Oquendo aggressively waved Carpenter home.

The relay from shortstop Brandon Crawford was in time, but short-hopped catcher Hector Sanchez and Carpenter scored on a headfirst slide to make it 3-1 and Holliday went to second on the play. Molina's two-out RBI single made it 4-1 and was the knockout blow for Lincecum.

Pence, who called himself "the goat" of Game 3 after stranding seven runners, hit the second-longest home run by an opposing player at 7-year-old Busch Stadium with a 451-foot drive that sailed over the visitor's bullpen into the bleachers in left-center.

Holliday's RBI single was the first by a Cardinals starter since Carlos Beltran's two-run homer in the fourth inning of Game 1. Holliday entered 2 for 12 in the NLCS with no RBIs.

Sandoval hit a two-run homer in the ninth.

NOTES: Cardinals Hall of Famers Stan Musial and Ozzie Smith made pregame appearances. The 91-year-old Musial toured the warning track in a golf cart while waving to fans and Smith threw out the first pitch. Smith's son, Nikko Smith, a former American Idol finalist, sang the national anthem. ... With Beltran out, Matheny changed the lineup for the first time in the postseason. ... According to STATS LLC, the Giants have faced a 2-1 series deficit eight times in franchise history. They have lost Game 4 each time.

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Source: http://www.huffingtonpost.com/2012/10/18/cardinals-beat-giants-nlcs-game-4_n_1983771.html

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Don't believe hype with Steelers' 'D'

LeBeau's famed defense puts up great stats ? except when it matters most

ANALYSIS

By Scott Kacsmar

NBCSports.com contributor

updated 4:21 a.m. ET Oct. 19, 2012

Facing an important game in Cincinnati on Sunday night, the Pittsburgh Steelers (2-3) have lost a fourth-quarter lead in four of their five games this season. It?s one thing to be victimized by a Peyton Manning comeback, but they have lost on last-second field goals in Oakland and Tennessee; two teams who are a combined 1-8.

Many will point to legendary defensive coordinator Dick LeBeau not having all of his starters healthy due to a rash of injuries. In a given week that could have meant Troy Polamalu, James Harrison, LaMarr Woodley, or Ryan Clark.

Cornerback Ike Taylor, healthy but struggling mightily, lashed out at local media for criticizing this year?s defense. Taylor says to look at the facts, and ?if you want to go by numbers, we're not doing as bad as what they say we're doing."

Well as a compiler of football statistics and a Pittsburgh native who has experienced every single high and low, here's the truth:

The Steelers' defense is vastly overrated, just like much of LeBeau?s coaching career has been.

Known as the father of the zone blitz, which creates illusions of pressure, LeBeau has also created an illusion that his long career is full of defensive coaching success. That's not the case.

Defense does not excel when it matters most
Blasphemy, you say? Well, LeBeau would have quickly been ?Juan Castillo?d? out of a job in today?s game. In his first attempt as a defensive coordinator with the Cincinnati Bengals (1984-1991), the Bengals? average rank in defensive points allowed was 20.3 (there were only 28 teams then). Just once did they rank higher than 17 (No. 9 in 1989), and they were dead last in points and yards in his final season.

Lebeau?s second stint in Cincinnati (1997-2002) was even more disastrous, and after being promoted to head coach, he was just 12-33 (.267) before being fired. He did spend one quality year as an assistant head coach in Buffalo (2003), and had a good initial run on a Pittsburgh defense loaded with talent (1992-1996).

The most sustained coaching success LeBeau has had started when he returned to the Steelers in 2004. Since then Pittsburgh has gone 101-46 (.687) with two Super Bowl wins.

But two more important events happened in Pittsburgh in 2004: the drafting of franchise quarterback Ben Roethlisberger and Troy Polamalu moving into the starting lineup. Each player has been the team MVP on their side of the ball.

Since 2007, no defense has allowed fewer points or yards than the Steelers, ranking No. 1 in the league in fewest points allowed three times (No. 2 in 2007).

That sounds nice, but you have to ask yourself what you want from a defense.

Should it shut down the Cleveland Browns and their annually different quarterback twice a year, or do you want a defense that will show up against the best competition too? Do you want a defense that can finish the job, or a defense that?s going to fall apart in the clutch?

You can have all the top-ranked statistical defenses you want. If you cannot make a play to win a game or perform anywhere close to your usual level against the best of the best, then the only reality is your defense is overrated.

Stating the facts
Since 2007, Pittsburgh?s defense has allowed 20 game-winning drives in the fourth quarter or overtime, which is tied with Green Bay for the league's second most.

Most game-winning drives allowed (2007-2012) Rank Team Game-winning drives 1 Washington Redskins 24 2T Pittsburgh Steelers 20 2T Green Bay Packers 20 4 Kansas City Chiefs 19 5T Baltimore Ravens 18 5T Miami Dolphins 18 32 New York Giants 9 (Note: fewest in NFL)

Twenty is too high for a defense that allows the league's fewest points and yards, but none of that has mattered when it comes to crunch time.

Since 2007, the Steelers? defense has faced a total of 125 drives in the fourth quarter and overtime when tied or leading by 1-8 points. They have allowed 22 touchdowns and 25 field goals (231 points). It works out to 1.85 points per drive, which would have ranked 21st in the league in 2011, a below-average defense. Fifteen of the touchdown drives have been at least 70 yards in length, and nine were more than 80 yards.

Pittsburgh has allowed 20 game-winning drives, 12 game-tying drives, and 10 go-ahead drives which came during games where the offense would regain the lead for a win. They also allowed five field goals when leading by 5-7 points. That means 78 ?stops?, though some of those drives were in the final seconds when the opponent had no realistic opportunity.

The scariest parts are the context for how some of these drives happened, and to think how big that number would be if the offense did not bail out the defense. Even Curtis Painter led an 80-yard game-tying touchdown drive last season in Indianapolis against LeBeau?s defense before a Roethlisberger game-winning drive.

If the Redskins had better quarterback play, they would have been able to turn more of those 24 losses into wins. Since 2007, Washington quarterbacks have 12 game-winning drives. The Steelers have 17, with Ben Roethlisberger engineering 16 of them.

But even Roethlisberger cannot answer if he does not have enough time left.

The average game-winning drive (in regulation) allowed by the Steelers has come with 3:04 left in the fourth quarter, which is the fifth-smallest amount of time for any team. The less time, the harder it is to answer. The Patriots have the worst average time to answer (just 1:25 left). The Jets have had 7:01 left (the most time), so shame on their offense.

This table looks at how much time was left in the game when the Steelers allowed the points on their late game-winning drives. In parenthesis is the league rank for that category, and the Steelers rank as the worst in everything except for overtime drives, where they are only one behind Green Bay and Miami.

Steelers' game-winning drives allowed (2007-2012) Last 2:00 Last 1:00 Last 0:40 Last 0:15 OT Drives Last 0:40 + OT 10 (1st) 9 (1st) 9 (1st) 7 (1st) 4 (T-3rd) 13 (1st)

Not only is allowing 10 game-winning drives in the final two minutes the worst in the league, but the Steelers have somehow surrendered the game-losing points a league-worst nine times in the last 40 seconds of the game (no other team has more than six). Maybe the only thing worse than that are the seven times in which they have allowed the winning points in the final 0:15.

You just leave your offense no real time to answer in that situation, and nearly half the losses have happened that way.

The context behind some of the losses is both jarring and alarming, and things only seem to be getting worse.

• 12/6/2009: Oakland?s Bruce Gradkowski became the first QB in NFL history to throw three go-ahead touchdown passes in the fourth quarter, upsetting Pittsburgh 27-24. The third completed an 88-yard drive with 0:09 left.
• 2011 AFC Wild Card: In the first game under new overtime rules, Tim Tebow threw an 80-yard game-winning touchdown pass to Demaryius Thomas on the first play. It is the longest game-winning touchdown pass in NFL postseason history.
• The second largest blown fourth-quarter lead in a Super Bowl belongs to Dick LeBeau?s 2008 Steelers (13 points vs. Arizona). Kurt Warner passed for 224 yards in the fourth quarter alone.
• Since 2009, the Steelers have allowed four game-winning touchdowns in the last 0:32 of the fourth quarter. From 1990-2008, the Steelers had allowed only two game-winning touchdowns in the last 60 seconds of the fourth quarter (both vs. Cincinnati).
• Since October 2011, the Steelers have allowed four game-winning touchdown drives of 80 or more yards. That matches the total they allowed from 1990-2010 (21 seasons).
• 9/23/2012: Oakland had lost 48 consecutive games when trailing by at least 10 points to start the fourth quarter. They overcame a 31-21 deficit for a 34-31 win in Week 3.
• In Roethlisberger?s 21 fourth-quarter comeback wins, the Steelers have led after three quarters just as often as they trailed (10 times each plus one tie).

What has caused so many of these losses? Sure, there has been some bad luck. Keenan Lewis dropped an interception in Tennessee last week that may have turned the game. Joe Burnettt dropped a game-ending interception in that 2009 Oakland game. The league admitted to missing a holding call on Jacksonville?s big 4th-and-2 run by David Garrard in the 2007 AFC Wild Card game.

But it works both ways, and for other teams too. In 2010, Buffalo?s Stevie Johnson dropped the game-winning touchdown in overtime. He was wide open, so LeBeau barely escaped that loss. He was not so lucky last season when Torrey Smith caught the game-winning touchdown with 0:08 left after dropping one, capping off Joe Flacco?s 92-yard drive to take control of the AFC North.

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More newsJustin K. Aller / Getty Images

Don't believe hype with Steelers' 'D'

Kacsmar: Known as the father of the zone blitz, which creates illusions of pressure, Dick LeBeau has also created an illusion that his long career is full of defensive coaching success. That's not the case.

Jared Wickerham / Getty Images

Source: http://nbcsports.msnbc.com/id/49468506/ns/sports-nfl/

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