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How Long You'll Be Investing
Published on - July 2nd, 2009 (by J.D. Roth)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the advisor for The Motley Fool's Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks.
A couple of weeks ago, I spoke to a group of elementary-school teachers about their 403(b) plan (the 401(k) equivalent for non-profit employers, in case you didn't know). Like most investors, they were a bit shell-shocked over what's happened over the past 20 months or so.
Many asked whether they should be contributing to their retirement accounts at all, given that the S&P 500 is still down approximately 40% from its October 2007 high, even after the rally we've seen since early March. It's understandable. By some metrics, the past decade has been even worse than what happened during the Great Depression.
My answer was, yes, you should still contribute to your retirement accounts. The tax breaks are just too good to pass up. Money you contribute to a traditional 401(k) or 403(b) reduces your taxable income, so it's essentially a tax deduction. Plus, you don't pay taxes on any interest, dividends, or gains until you withdraw the money in retirement. That's known as tax-deferred growth, and ends up providing more money in retirement.
Now, if your boss doesn't match your contributions to the company plan, you might be better off in a Roth IRA, which doesn't give you a tax break today, but gives you one in retirement. Whichever account you choose, you should still keep saving; it's the only way you'll be able to retire. If you can't stand the volatility of the stock market, invest in bonds or even cash. Just keep saving!
Stocks for the Really Long Run
That said, I do think most investors should have some of their money in stocks. Especially the 30-something teacher who told me that she couldn't stand seeing her account balance drop, drop, and drop last fall, so she sold everything and has been in cash ever since. Again, I understand — it's not easy watching years of savings seemingly disappear in a matter of months. But it's important to remember that investment success isn't based on how much you have right now, but how much you'll have when you need it. Staying too conservative for too long can increase the chances that you'll come up short.
The truth is, folks, your investment time horizon might be longer than you think. Let's assume the teacher I met is 35 years old and plans to retire at 65. That's 30 years of investing ahead of her. But she won't sell all her investments on the day she retires.
Sure, she should have at least 40% of her money in bonds at that point — and perhaps even more, if she's more conservative — but she can't play it too safe. Because at age 65, the average woman lives another 20 years; the average 65-year-old dude lasts another 17 years. Marriage actually increases the chances that one spouse will make it even five years longer (my wife doesn't believe it). And those are the averages; half of the population will live longer.
Add in lengthening life expectancies, and our 35-year-old teacher could reasonably expect to be living — and investing — well into her 90s. Of course, by then she should be playing it very safe, perhaps with only 10% to 20% of her assets in stocks. But it means that a stock (or mutual fund) that she buys today could still be in her portfolio by the year 2070.
Historically, with a timeframe that long, stocks have been the investment of choice. The chart below indicates how often from 1871 to 2006 that stocks beat bonds over various holding periods, courtesy of the fourth edition of Jeremy Siegel's classic Stocks for the Long Run.
If 2007 and 2008 were included in these numbers, all those percentages would be lower, including a 30-year period when bonds beat stocks (assuming that the bonds used were long-term Treasuries). So I'm definitely not saying that stocks are riskless investments as long as you hold on long enough.
But I still find the historical odds very compelling, especially for a multi-decade investment time horizon. And let's face it: Most of us will need stock-like returns to be able to retire and ensure that our portfolio keeps up with inflation over such a long timeframe. But that's a topic for a future article.
In the meantime, have some fun (or grim reality) with the longevity calculator at www.livingto100.com to get an idea of how long your portfolio will have to last.
This article is about Investing, Planning, Retirement
Don't forget that many plans now offer Roth 401(k) or Roth 403(b) deferrals — if your plan doesn't, you should be asking your plan administrator why not. The great advantage is that you can defer up to the 402(g) limit in either or a combination of both.
The other main thing to look at would be fees. If you have a "good" plan — the expense ratios in institutional share classes should be lower than retail share classes.
Also, who is paying the plan fees? Plan participants or the plan sponsor?
If one believes in what Aubrey De Grey talks about at TED, we may be living ALOT longer than we think. We should always be investing, but I also think we're seeing a shift into changing what retirement actually means.
Do you find that most of the people you speak to understand the concept of buying more in a down market to increase future earnings or is it pretty common for most to panic and sell when their portfolios are down?
I guess that would just be another symptom of emotional investing. How do you coach people on avoiding that?
I like 401K for the tax shelter not much else Most of my 401k in is cash.
I teach, and the 403b plan that my district offers does not come with any type of match. In fact I don't know of a district around that offers a match on the 403b contributions. If that is the case in your situation, did you recommend to these teachers they should convert their retirement account to an IRA and then later do a Roth conversion, or did you tell them to keep socking money away in the 403b?
I don't really see the advantage of a 403b, since most people in the education field don't need to worry about being in a higher tax bracket. From my experience the 403b options are a choice thrown into the offerings of a district along with cancer insurance and other supplemental insurance and it's just another way for the salesman to make a commission. When in most cases, since a match isn't offered, the teacher would be better off putting the money in a Roth IRA (your words ).
I agree with the main point of you article. I continue to invest in mutual funds and stocks hoping that the ship turns around at some point.
Thinking that simply the passage of decades of time will guarantee a considerably fatter pot of money at the end than at the beginning is pure wishful thinking, yet there's a collective dream that such patience must inevitably be rewarded.
"We've left our money in the market for 40 years, surely we deserve a fat return" seems to be the group-think.
What is so one-sided about this "investment hopefulness" is the idea that you keep buying through the 40 years and then liquidate the entire portfolio the day before you retire.
Objectively, though, why should the index be higher than 40 years ago on that particular day? Sounds like the naive hope of someone buying a lottery card, except so much more depends on it.
If you want to make money from investing over 40 years you must expect to sell the ones that have gone up over a shorter time period so you can bank some of the "profit" you've made, at frequent times throughout the 40 years.
Why not bank it when the price is higher than when you bought it? A profit is not a profit until you've pressed the "Sell" button, as people who thought in the recent past that their house was worth more than it is now.
Its only worth the amount you can get on the day you decide to sell, and there's no guarantee that price will be a good price on the particular day before you retire.
But the idea of selling anytime before retirement seems like disloyalty to so many people.
Further, investigating selling options against your stock holdings would give you income day-to-day throughout those 40 years that I would guess could have an epic effect on the overall return.
Having a stock portfolio without selling options against it is like buying a block of apartments and then not letting any of them out.
But so many people look at me askance, with gaping mouths, that the idea of building a good return through the 40 years can possibly involve any activity beyond "buy and hold" and they regard it almost like sacrilege for anyone to suggest that this is a lazy, inadequate and ineffectual way to save for retirement.
I'm sorry if this sounds a bit like a rant, but "buy and hold" is a bankrupt strategy and leads to so much haertache at the very time you can least afford it.
If you believe that its enough to "buy & hold" for 40 years and it doesn't work out, what are you going to do then?
This very fear should make you consider more pro-active approaches.
Indeed, in a bid to prevent themselves being strung-up by their customers, more nervous investment advisors encourage their clients to move their stock portfolio to bonds five years out from retirement just in case the market tanks just before they retire, and their clients become enraged.
"That wasn't the dream you sold me!" they cry.
But why shouldn't the market tank just before you retire?
This is a tiny concession to the idea that "buy & hold" even over many decades, won't necessarily ensure you're adequately richer at the end of the period.
It makes me angry because I've heard the sobs of hard-working women and men who just had the misfortune to retire just after a market fall – what is frightening is that they hadn't ever considered that that could possibly happen.
The market doesn't make a pact with you to treat you well if you leave large tranches of money in stocks for lots and lots of years.
Please manage your stock portfolio with that idea firmly in your mind – don't learn this important truth when its too late to do anything about it.
You can take steps throughout those years to bank the profits as and when they arise, and gain further side-income from options – don't depend on the price on the day of retirement – to me, that's leaving too much to chance too late, and crossed fingers won't influence the Dow Jones too much.
Good luck.
I actually wrote about this on my blog yesterday. According to Living to 100, I'm going to live t0 92. According to the CDC, if you live to 65, you'll probably make it to 85. I don't think most American's are actually planning for this. Yesterday's blog post also has a great calculator to see how much you need to put away to have the kind of lifestyle you'll need. Check it out if you have a minute.
Howdy, folks. A few replies to your thoughtful comments/questions:
To Tyler@FrugallyGreen: My experience is that there's a wide range of reactions to market declines. The people who truly see them as an opportunity to buy stocks cheaper are the minority. For those who want to panic and sell, the main counter-argument is history; before the 2000s, stocks eventually recovered after every crash. But I do think it's important to point out that there are no guarantees, and to cite examples like the Japanese stock market, which is still down 75% from its 1990 peak. Some people just can't live with the uncertainty and volatility of stocks, which is fine. Just keep saving in bonds and cash.
To Chett: These teachers aren't offered a match, but one of their providers is Vanguard, so I think the 403(b) is a viable option. (They are not yet offered the Roth 403(b), but I suspect that's just a matter of time.) I explained that since most of their salaries are probably modest, and thus their tax brackets low, they might start with a Roth IRA, and then choose the 403(b) once the IRA is maxed out. However, if they're married, they're combined incomes could put them in a higher tax bracket; in that case, a traditional 403(b) might be the better choice.
To CamKC:
Many good points. For what it's worth, I generally recommend that people begin moving to bonds when they're within a decade of retirement. In retirement, people should have five years' worth of income out of stocks to help ride out a bear market.
Well I'm apparently going to live to 102! Most of my family members are/were long-lived so I have always planned to live into my 90s. I started saving for retirement in my late 20s and I am still worried it won't be enough.
"Objectively, though, why should the index be higher than 40 years ago on that particular day?"
Because the average business is likely to be more productive 40 years from now. Of course, there is no guarantee of that. But if productivity remains the same or declines, there are not going to be many shelters from the storm of consequences that result from that.
Its doubtful that whatever happens to the stock price in the next six months, or even six years, will make much difference in how much money a 35 year old receives for it in 30 or 40 years. The difference in how many shares they were able to buy now will make a huge difference.
There is little doubt that current prices are an opportunity to more shares with the same investment. For people who are in the "buying" phase of their life, this is a time to invest as much as possible. The real risk in investing now is that you will lose better opportunities if the market falls further.
CamKC's post is excellent. Investing is not as easy as buy and hold. The numbers given out are very deceiving and the history of the stock market does not guarantee anything. Might as well go to Las Vegas. I'm tired of hearing that stocks yield more for the long term. What about stocks that go bankrupt??? I still feel the stock market is where people give money to CEO's to afford their criminal salaries and bonuses. Even I'm not secure anymore with just cash because I feel the value of my cash will decline like the American Empire is declining.
Just because you will not be retiring for 30 years does not mean that stock losses do not have a big effect on your life in all the years before retirement. If you have less in your portfolio, you might not be able to afford to start your own business or move into the house of your dreams or take a great vacation that you would not forget. Plus, it causes stress to see much of your life savings washed down the drain.
When we are trying to save, the experts tell us that each dollar counts because of compounding returns. When they are trying to persuade us to put our money into risky investment classes, suddenly large amounts of dollars don't mean much so long as you don't need the money for 30 years.
I don't buy it. I view it as propaganda from The Stock-Selling Industry (that millions of people outside of The Stock-Selling Industry have bought into as a result of the massive marketing campaigns).
"Plus, it causes stress to see much of your life savings washed down the drain."
I think that pretty much sums up most of the misconceptions about investments:
1) You haven't made any money until you sell, you also haven't lost any money until you sell. A lot of people are under water on their home mortgage because they decided to "take cash out" of their house without selling it.
2) Investments are not "savings". You bought stock in a company or loaned it money by buying their bonds. Its the same as if you invested it in your own business. Your emergency fund is "savings".
3) If you have short term goals for money, then save it, don't invest it.
4) The stress is caused by misunderstanding the market. There is no reason for anyone who is 30 years away from retiring to be stressing about fluctuations in the stock market's valuation of their investment. No matter how dramatic they may be. They are looking, at most, five years into the future. Worry about global warming or some other problem that might actually impact the price you get for your stock when you sell.
"the experts tell us that each dollar counts because of compounding returns."
If any expert tells you that returns on stock "compound", run in the other direction. When you buy stock, you own the shares. You sell those shares at whatever the market price is when you sell. What you paid for them and how long you held on to them has nothing to do with how much money you made. Your return is the difference between the price you paid for the stock and the price you sold it for.
Maybe the different ways people "invest" in bonds makes the distinction between investment, savings and speculation. If you buy a bond and hold it to maturity you are guaranteed a return. That is savings. If the bond pays a coupon in cash that is a return on investment. If you sell the bond to someone else before maturity based on its current market price you are speculating that the bond's market value will decline in the future.
With stock there is no savings. There are dividends, which are return on investment. And there are speculative gains from market pricing. The longer your investment horizon, the more likely it is that the market price will mostly reflect underlying value, rather than speculation. Of course if you just want to gamble, the stock market's odds still are probably better than a Vegas casino's.
While I agree in theory with all that this post says, sometimes I wonder about this advice. My folks took the uber-long retirement view, saved every spare penny, and built up a nice nest egg. However, my dad ended up passing away and then my mom soon afterwards. Both were in the 50-60 year old range, and hence never made it to retirement. While I am thankful for their saving, as ultimately I became one of the beneficiaries (along with my siblings) of their efforts and also of the ethic that they passed on, I often wish they had spent more on themselves.
The truth is you never know what is going to happen. You could get hit by a car tomorrow. Retirement planning is one goal to aspire to — at least it gets people to plan for the future in some way. But, if all energies are focused on retirement to the exclusion of living a little today, it can create an overly draconian situation.
Thus, an approach like the Balanced Money Formula approach from the book that JD reviewed a while back might be a better option, since it incorporates some funds for "wants" along the way. Sorry, I forget the name of the book…
Just a quick comment. The line:
"And those are the averages; half of the population will live longer."
Is misleading and probably incorrect. True if you are talking about medians but it is highly unlikely that the mean (which is usually what is meant by average) sits at the exact mid point of the distribution.
Such a blasé assumption, dismissing basic maths makes me sceptical about the rest of the advice. A bit more thought next time please.
kk, that is my husband's very argument as to why he's 50 and has no savings. He might get hit by a bus tomorrow.
That's true but the bus might only leave him disabled. Would you rather need it and not have it or have it and not need it? Personally I would rather plan to live to 100; then if I die at 50, I can leave my money to some person or cause I value and they can have the benefit. I haven't lost nearly as much by being prepared as I would lose by NOT being prepared.
(btw I do spend some money on fun. There is such a thing as moderation.)
Thanks for your response. Please don't get me wrong, I think it is important to plan for the future. I am actually in agreement with you.
My issue is more with financial planners who seem to think "retirement" is the only financial goal a person might have. This is unreasonable and dangerous. It is also conveniently best for the financial planner because it keeps all of your funds invested with the financial planner into perpetuity.
A better financial planner will ask the client about their financial goals, and then work with the client to achieve the client's financial goals. So, the better FP would listen to your husband's argument, understand that one of your husband's goals/desires is to enjoy some of the fruits of his labors today, but also help your family to flesh out other possible goals that might be worth saving for — perhaps saving a little for the day he stops working or as you said in case he would become disabled, for a boat or second home down the way, or whatever other financial goals you might have.
I think one reason "retirement" might produce the types of arguments that your husband (and others) make is the unspecific nature of the term "retirement". What does "retirement" really mean? It is completely non-specific. It also tends to have an element of fear in it, i.e., if you don't save for "retirement", you might end up [insert undesired outcome here].
The article above reads like "retirement" is the only financial goal. It is just not true and, I think, is a convenient way for financial planners to cut corners and avoid doing the hard part of their job, which is to work with clients to define their financial goals better and to ultimately meet those financial goals. Some FPs focus too much on the financial part and forget completely the planning part of their job title.
PS. Just for the record, I am not a financial planner.
Unusually great posts. Here are some facts:
Bonds out perform stocks more often than the opposite. In fact bonds outperform stocks for extremely long runs. The difference is that when stocks go on their runs they outperform bonds by a large amount.
The vast majority of actual $$$ invested by folks occurs in a small amount of time between age 40 and 60.
The sequence of returns matters hugely on the success of the buy and hold strategy and that is a matter of luck.
The single most important characteristic for successful investing is the value approach which looks at the price that securities are bought.
Most people haven't acquired the emotional temperment required for investing in the stock market.
Most people will pay more in taxes as they take their money out of tax-deferred accounts than they had saved by putting money into these accounts by 2 or 3 times.
Keep up the great comments!
People IMHO might be better served if they paid attention to income derived from investments rather than put all their eggs in the capital gains basket! After all income is the goal!


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So stretched and used that even after the 45 minute car ride home your wife's pussy is still slack and slightly gaping.
"Remember Sissy, you wanted this. It was you that felt inadequate; it was you that kept asking me if I was satisfied. You planted the seed in my head to seek out other men.
"Well now is the point of no return. Now that I have truly been satisfied by a man; a man that was more than adequate in oh so many ways; you need to show me that you are happy to be a cuckold."

subset: commoncrawl


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Debt accumulation slows to a crawl in Canada
A consumer pays with a credit card at a store in Montreal. THE CANADIAN PRESS/Ryan Remiorz
OTTAWA - A new analysis suggests Canadians are becoming more hesitant to take on debt, despite typical holiday season largesse at the end of 2011.
The latest report of non-mortgage debt trends in Canada by the TransUnion credit reporting firm shows average credit floated up 1.4 per cent in the fourth quarter last year to $25,960.
That reversed three consecutive quarters of flat growth or reduction on everything from credit card debt to lines of credit, consumer and car loans.
But TransUnion officials note that the slight increase in average consumer debt at the end of 2011 is in line with historical increases in debt during the Christmas shopping season.
For the year as a whole, however, credit grew by just under one per cent, the lowest annual rate since TransUnion began tracking the measure in the first quarter of 2004.
The report will be welcome news to policy-makers, including the Bank of Canada, who have long worried that Canadians are taking too much advantage of super-low interest rates and taking on more debt than they can afford long-term.
However, reduced credit may also squeeze the retail economy and affect department store chains and discount and specialty retailers as consumers pare spending when money is tight.
In the most recently reported data from Statistics Canada, households now carry about 153 per cent more in debt than their annual disposable income, with about 70 per cent of that being mortgage debt.
Along with what has been detected as a slowing housing market, the new report suggests Canadians are either heeding the advice of policy-makers or reaching the limits of their tolerance for debt.
TransUnion also reports that:
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— Average credit card debt posted a modest increase in the fourth quarter but is down 1.5 per cent from a year earlier;
— Lines of credit increased by 1.1 per cent in the past year;
— And although debt has risen substantially, delinquency levels continue to remain low in Canada.
MSN.ca Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances.
How long does it take you to completely unpack after moving in?
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A blog focused on photography, poetry, and politics. Twinned with the website www.thegreatleapsideways.com / @grtlpsideways
"Gesture is something I study all the time and everywhere: when I'm on public transport, out on the street, walking in a park, everywhere. I have a close friend who's an actor and he spends his life observing people too, soaking it all up and using certain gestures and mannerisms in his acting roles. He also happens to be a good photographer, which I don't think is a coincidence: there are a lot of similarities in what we do. It's a case of intense observation, processing that information and pulling it all out again when the creative moment arrives."
— From The Intimate Proximity of Touch: an interview with Eva Vermandel, part of a number of recent updates to thegreatleapsideways.com


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DETROIT - Gary Roberts tried to bite his tongue on the eve of the Stanley Cup final, visibly upset after Pittsburgh Penguins head coach Michel Therrien told him he wouldn't be in the lineup for the opening game Saturday night. "Obviously, I'm not happy about it but I'm going to let Mike talk about why I'm not playing," Roberts said.
Therrien was not asked about Roberts during his news conference Friday but later told a reporter that the media would find out after the pre-game skate Saturday whether Roberts was in or not.
Roberts let the cat out of the bag.
"I've been told I'm not playing tomorrow night," said Roberts. "But it's not the time for me to bitch and complain. I've enjoyed being around this group of guys. I've had a trying year, health wise, not the year I wanted to have.
"But I'm excited to be here and be part of this thing. Hopefully at some point I'll get that chance."
''I think this is over-thinking on Michel Therrien's part. I think Gary Roberts should absolutely be in the Pittsburgh lineup.'' - TSN Hockey Analyst Mike Milbury
Roberts missed the final three games of the Eastern Conference final with a mild case of pneumonia. He says he's since recovered.
"The rest has been great for me and I feel like I'm ready to go," said Roberts. "But you know what, it's not about me right now. It's about the team.
"One thing I will say, if I do get the chance, I won't let my teammates down."
Roberts, who turned 42 on Friday, has played six of his team's 14 playoff games, also missing time with a groin injury in the opening two rounds. He has two goals and one assist playing on the team's fourth line with Maxime Talbot and Georges Laraque.
Detroit's elder statesman also appears out for Game 1.
"I don't think I'll be playing the first game," said Wings defenceman Chris Chelios, who missed the last game against Dallas with an apparent leg injury. "Whether it's superstition or not, they're not changing (anything). We played a really good game to close out the last series.
"I'm good to go. I'm ready to go."
Wings forward Johan Franzen likely won't suit up in Game 1 either. He still leads the team with 12 goals despite missing the last five games of the Western Conference final with a concussion.
"He's doubtful for Game 1," said Wings GM Ken Holland. "We expect him in the series. He's day to day, he's close."
Head coach Mike Babcock said Franzen looked good in practice on Friday, his first with the team since being knocked out of the lineup.
"He's flying around, going 100 miles an hour," said Babcock. "Looks like 100 bucks, no side effects."
Franzen doesn't want to rush it and agrees one more game, at least, won't hurt.
"I think it's the right way to go," said Franzen. "I need to get my legs back. I don't want to hurt the team I want to try and help the team when I come back."


text:
Kids in wheelchairs turned away from museum?
A woman who says her son was turned away from a museum because he was in a wheelchair is upset after learning the same thing happened to another wheelchair-bound child.
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Ford GT40 (by VJ Photography)
Ford's Next Supercar: An evolutionary approach
"A supercar doesn't need to be incredibly wide and have enormous wheels. It must have height, stance and length. It must be as low as possible and reasonably short in length, but it still must be substantial and have an unmistakable attack in its stance. "
Vote for Radovan Varicak's Future Ford Supercar design
Ford's Next Supercar: A modern interpretation of the original
"With a longer wheelbase, shorter overhangs and an aerodynamic underbody, the GT47 will be powered by a lightweight V-8 or a turbo 4-cylinder with an electric motor up front."
Vote for Lars Sältzer's Future Ford Supercar design
Ford's Next Supercar: Retro gets left behind
"With this design, I wanted to leave retro behind and create something more progressive, more futuristic."
Vote for Camilo Pardo's Future Ford Supercar design
To get a proper gauge on what the Dearborn company might do to create a new GT, we've commissioned three artists to create their own versions of Ford's supercar. Our goal with these three illustrations of the possible new Ford GT is simple and twofold—we want to encourage Ford to build a new American supercar, and we want you to help us pick the best design.
Ford GT40


text:
Adoxa is a tetracycline antibiotic that, combined with other medicines, is widely used for acne or certain amoeba infections treatment. It can also prevent anthrax after exposure or slow down its progress. Adoxa works by slowing the down the bacteria growth process and thus helping our immune system to destroy the bacteria.
Adoxa is normally taken orally. Usually it does not matter whether you take it with or without food; however, if you have an upset stomach, it is best to combine the Adoxa ingestion with some light warm food. To avoid possible throat irritation, wash Adoxa down with a lot of fluid. For two hours prior and after taking Adoxa do not take any multivitamins with minerals or medical preparations that contain aluminum, calcium, magnesium, bismuth or iron. If you miss a pill and it is almost time for the next dose, simply skip the dose you have missed and return to your usual dosing shedule. Taking two pills at once can be an overdose with all the expected effects.
The first symptom of an Adoxa overdose would be pseudomembranous colitis, an extremely serious form of diarrhea. Whereas mild diarrhea is a common antibiotics side effect, pseudomembranous colitis can place you in grave danger. If you have got severe diarrhea, blood stools, stomach pain or cramps, contact your doctor immediately.


text:
Featuring deviations submitted February of 2011
The Third Dimension attempts to shine light on some of the amazing 3D artwork that gets submitted to deviantART. This monthly news article serves as a platform to promote 3D deviations that may have otherwise been lost in the sea of digital art submissions. These selections are based on my opinion of what constitutes originality, high quality, and/or uniqueness in 3D artwork.


text:
I'm trying to create a layer filter that only shows me Xref layers except for the LOCATOR layer which has a block we use to align the various Xref's together. Main use is for forcing xref background layers to grey, but want to retain the locators in their original color...
First line of the filter: *|*
Second line:~*LOCATOR*
The problem is that Acad assumes that multiple lines containing the same attribute are OR statements, not AND. Is there any way to do what I want to do??
Have you tried *i*locator* and *locator*i*?
jwjones1 wrote:
Have you tried *i*locator* and *locator*i*?
Those two filters (with or without the Excluding ~ symbol) will either give me ONLY the locators, or give me everything BUT the locators, including the non-xref layers (Layer 0, Defpoints, etc)
Not the result I'm looking for...
What I want is Only Xref, and/but Exclude their Locators.
Ok, helps when I read what you posted. DOH!
Unfortunately, I don't have a good answer for you... I suppose I would turn off the locator layers by...
and then set up a filter to find all the layers with | in them that were on. Not a very elegant solution. Hopefully someone else here will have a better answer.
Good luck!
Hear hear. I would like an anwser to this one as well.
As far as I can find the Layer Filter assumes all statements are OR statements and there is no option to choose whether it is AND or OR.
Any ideas or is this one for the wish list?
The following will exclude all XREF layers:
There's a switch you can flip to invert it to be nothing but XREF layers.
Unfortunately I am not sure how to include a non-XREF layer. If someone has an answer it would be interesting to see


text:
Ordinary drop foot braces are made of hard plastic, molded into shape. The posterior extension runs up the knee, while the leading edge is inserted into the shoe. For this type of footdrop brace to be effective, a sturdy shoe is required. This kind of footdrop brace does not work with loose fitting shoes or most loafers.
FREEDOM® Soft Footdrop Brace is 100% self contained and can be worn without shoes! Made entirely from the thinnest neoprene available, FREEDOM® Footdrop Brace relies on elastic strapping to maintain the position of the foot and to help prevent plantar flexion. The result is a footdrop brace that is just as effective worn barefoot as a conventional hard brace and shoe.
This elastic brace conforms beautifully to the ankle and calf. Worn under stockings, it's practically invisible.
Ideal for hyper-mobile and post-polio afflictions. Includes a semirigid plantar footplate, which helps maintain the arch and provides a stable support surface.
Suggested code: L4398.
Specify Left or Right when ordering.
Restocking fee of items over $60.00 would be 20% of the price
If you want to:
6,000 + (and growing) factories in our existing network are eager to make it for you.
When it comes to selling in stock products, we are no difference from many other Internet retailers, but we take pride in going extra miles to do something special for you: Have some products custom made for you.
We cannot do everything, but we usually can accommodate a certain changes in product options such as color, size, material, or minor design twist. We primarily work with vendors or factories, not individual artist or craftsman. For custom made products, we usually only cater to bulk size order that meets the minimum quantity requirement of a single factory run. Don't be shy. Ask. What we can accomplish may surprise you!
Read this first: Copyrights & Trademarks


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adidas Originals ZX 5000 Response – White – Blue – Orange
August 9th, 2014 by Brendan Dunne | No comments
The adidas Originals ZX 5000 Response has been rather busy with the prints as of late. They showed up for the world cup via the "Battle Pack" pair and then they had a swirling multicolor concoction that seemed to pick up some cues from the adidas ZX Flux. This time around the shoes are found in a more straightforward colorway, and one that should be pleasing to fans of various New York sports entities. Get a good look at the white/blue/orange pair of adidas Originals with us after the break and stay tuned for word on when and where to purchase in the US.
Source: Asphalt Gold


text:
We are moving - make us an offer!
Items include: (photos avail upon request)
Contemp desk, kidney shaped with shelf; light wood (excellent condition)
Ikea 2 door wardrobe with pull out drawers (rarely used)
Gray/black contemp bookshelf
Mahogany inlay dining room table ...
Sep 23 -
High Chair
This high chair or bar stool can be used in the kitchen or anywhere else. It has a strong woven seat with a high back.
Sep 23 -
5 year old cherry wood sleigh bed mattress,box night stand dresser mir
We also have a dark brown italian leather couch L shaped, a rod iron and cherry wood coffee table,a black solid wood entertainment center solid oak wood table 4 chairs with extensions a shaker table old antique shaker hutch very beautiful, everything has been well kept ...
Sep 22 -
Faux leather black lounge chair for sale
Faux leather black lounge chair. Good condition. $150 or best offer.
Sep 22 -
Small black ottoman for sale
Small black ottoman. Cube shaped. Good condition. $40 or best offer. Cash only.
Faux leather and wood coffee table with storage compartment for sale
Faux leather and wood coffee table with storage compartment for sale. Good condition. $100 or best offer. Cash only.
Dresser for sale
Dresser for sale. All drawers work and top right drawer is a jewelry drawer. $250 or best offer. Cash only.
Queen bed with faux leather headboard & mattress for sale
Queen bed with dark brown faux leather headboard for sale. Mattress and box spring for sale as well. Mattress has small stain about 2" and box spring squeaks but other then that it's in good condition. $350 or best offer. Cash only.
Brown suede sectional for sale
Brown suede sectional for sale. Good condition. 16 feet from top left cushion to top right cushion including extended piece on end. Comes from non smoking home. Cash only. $500 or best offer.
***Beautiful Living and Dinning Room Set***
-Beautiful light burch wood, dinette set, with elegance trim inlay. Table adjusts to standard size to banquet size 102". Six chairs. Very beautiful lighted china cabinet with server. Set is 2 years old.
-Beautiful, Italian hand-carved sofa, off-white fabric that's in very ...
Sep 22 -
Reduced Microsuede Cream Sofa For Sale
82" Long
29" deep
36" high
This sofa is impossible to get dirty. Has a Fabric Shield warranty that they will replace if the stain does not wipe off. Sofa is in like new condition and I paid over $1500 for it. 2 matching pillows accompany the sofa.
This will go quickly, ...
Sep 22 -
7 piece Queen Bedroom Set with mattress
Like new! Only three years old! beautiful modern platform queen bed, along with 2 matching nightstands, a dresser/ mirror, and a tv station. Purchased from rooms to go! Original receipt upon request
This ad was posted with the eBay Classifieds mobile app.
Sep 22 -
Used dark multi browns bedroom set
Made, BY Design . . one of the best quality designer set out there.
Good quality, this is an all wood bedroom suit . . . .
all wood reinforced drawers, top of the line
we have really enjoyed it's quality, and so will you.
Queen size bedroom ...
Sep 21 -
Smaller Free Standing Quilt/Blanket/Towel Display Rack/Stand (Reduced)
For Sale is this Smaller, Free Standing, Quilt/Blanket/Towel, Display Rack/Stand. I actually have two pictured, but this is for the smaller one. It is 32 1/4 inches tall, 29 1/2 inches wide and 11 inches in depth. It is hand made of unfinished solid wood and ready to stain ...
Sep 21 -
Roos Cedar Chest 19x42
I have a Roos Cedar Chest I obtained from my 94 year old grandmother which was owned by her mother. It is in excellent condition and needs no restoration. I'm not sure of what year it was manufactured. An excellent accent piece and in excellent condition. Looks New!!! More ...
Sep 20 -
Wooden Bookcase
Wooden Bookcase.
Condition : Lightly Used.
Sturdy, Solid construction.
Wood color : Medium brown.
Adjustable shelving.
Great For Dorm Rooms, Office, or 1st Apartment.
I prefer local pick-up. This piece is quite heavy, and it would cost $$$$$$ to ship.
The ...
Sep 20 -
Vintage 1970's Style Furniture Pieces
Vintage 1970's Style Furniture Pieces.
Condition : Used.
All tables have original "distressed" look and can be refinished if desired.
Coffee table has a deeper distressed mark thus the lower price.
Light Tan in Color.
Sturdy, Solid Wood Construction (Oak).
Great ...
Custom Made Pottery Barn Mason Style Bedroom Furniture
Beautiful, hand made headboards, footboards and beds in king, queen, full or twin size. We also make solid wood dressers, bedside tables, nightstands, chest of drawers, and tallboy dressers. And we offer discounts on complete bedroom suites! Many pieces custom built to your ...
Sep 19 -
Custom Made Trestle Style Farm Tables
Restoration Hardware, Anthropologie and Cottage Maine have their versions and we have ours! This listing is for a custom built Chavers X Rustic Trestle Table by You're Unique! It is a very popular table as seen by the pictures submitted from our many clients. Our standard ...
Custom Made Old Style Vintage Factory Carts
Super cute and hip and trendy, industrial urban coffee tables made by one of the most reputable and fastest growing custom furniture designers in the Southeast! These are replicas of the of the vintage and antique carts used in old factories and mills. Can be personalized ...
BB Farmhouse Table by You're Unique. Please note that we use UNTREATED 4 x 4 legs, not 2 x 4's nailed together. Table tops are removable for easier transport. Breadboard ends are a blind mortise and tenon and not attached using pocket holes. Check your boxes when buying ...
Custom Made Console Table, Coffee Tables, and Desks
If you like Anthropologie, Restoration Hardware, Crate & Barrel, and Pottery Barn to name a few, then you are going to LOVE us!
If you like rustic, industrial, contemporary, modern, farmhouse, cottage, shabby chic, urban, country, primitive, factory or farm style, we can ...
Reclaimed Barn Wood Coffee Table
I am selling a live edge coffee table that I made from barn wood from Wyoming. I make furniture for a living and this is my latest piece. I make furniture and home decor items from reclaimed wood and barn wood.
This particular coffee table is made from old wood from a torn ...
Sep 19 -
3 Panel Solid Wood Room Divider brown cherry lattice designer
Grab this nice accent piece and room divider solid wood highest quality stands sturdily in place has a brown cherry finish as in the typical cherry look just without any of those red tones, great lattice design pattern purchased from a designer boutique in NYC 2-3yrs ago and ...


text:
In one episode, Dr Who is stuck in a well. While waiting to be rescued, he pulls out a Chinese dictionary to study.
What is the name of that episode?
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text:
I'm surprised at how much snow the east coast is still getting. At least they enjoy it. It's been pretty warm here the last few days but it's supposed to rain this weekend.
Dog of the Day
Cat of the Day
Pet of the Day
I'm surprised at how much snow the east coast is still getting. At least they enjoy it. It's been pretty warm here the last few days but it's supposed to rain this weekend.
Owned by Sky, Pearl, Ziggy Stardust, Alani, Blaze, Colby, Finnegan, and Summer.
My Rainbow Bridge Babies:
RB Pepper 3/17/97- 2/3/03 RIP Sweet Pepper
RB Starr 3/22/05- 7/1/09 RIP Sweet Starr
RB Sunny 8/25/00- 2/28/10 RIP Sweet Sunny
RB Storm 1/11/96- 8/2/12 RIP Sweet Storm
Happy "Spring" Layla & Jake!
Krista : Buster : Coonhound : Rudy : Airedale Terrier x : Dixie : Schnauzer/Terrier X : Miagi : Tabby : Tiger : Tabby/Bengal X : Angel : Russian Blue X
Rocky, Jenny, & Ginger.. forever loved & always in my heart..
I have been frosted!
Layla & Jake did you find any snow flowers?
"I've been defrosted by Cassiesmom" Spring is here somewhere?
Dear Jake and Layla,
It's about a month later now and the weather is a lot warmer and nicer around here -- I hope it is that way for you, too! I'm sending you two some cyber hugs because your pictures always make me smile
Your fan,
Yikes! I've been Boo'd ... right off of the stage!
Aaahh, I have been defrosted! Thank you, Bonny and Asiel!
Brrrr, I've been Frosted! Thank you, Asiel and Pomtzu!
"That's the power of kittens (and puppies too, of course): They can reduce us to quivering masses of Jell-O in about two seconds flat and make us like it. Good thing they don't have opposable thumbs or they'd surely have taken over the world by now." -- Paul Lukas
Cassie's Catster page: http://www.catster.com/cats/448678
Layla and Jake say hi Elyse! Summer pics are coming soon!
Forever in my heart...Lacey,Sassy,Mandy,Corey,Ginger,Casey
Copyright © 2001-2013 Pet of the Day.com


text:
All trails end at Ski Trail! How long should it take you to get to our world class Champagne Powder? At Ski Trail, the question is, "How long does it take you to step outside?" The magnificent slopes of the Steamboat Ski Resort Area are right there...at your doorstep via an access trail from the parking area. Year after year, skiers keep flocking to Ski Trail the best Steamboat Springs condominium.
Ski Trail Condominums are one of the very few economy ski-in/ski-out at the Steamboat Ski Area. Recently renovated in 2005 these units feature High Speed Internet Access, Housekeeping services available, Ski Lockers for each unit, Cable TV & HBO, Fully equipped kitchen-microwave, coffee maker & dishwasher, Free parking and Access to free city bus-100 yards away.
Steamboat Springs, CO, USSlopeside or Ski-in/Ski-out
Ski Trail CondosSteamboat Springs, CO, US
Rental Shops
- Steamboat Ski & Sport Rentals
- Steamboat Ski & Sport Rentals
- Christy Sports - Steamboat
- Christy Sports - Steamboat
- Christy Sports - Steamboat
- Christy Sports - Steamboat
- Christy Sports - Steamboat
- Truffle Pig
- Bistro C.V.
- Sweetwater Grill
- Carls Tavern
- Harwigs
- Laundry
- Rexs American Grill and Bar
Policies including cancellation vary by property. With questions about this property's policies, contact a Ski.com Mountain Vacation Specialist.


text:
Purse is 6.5 inches by 5.5 inches. It is a sample
We promise to never spam you, and just use your email address to identify you as a valid customer.
This product hasn't received any reviews yet. Be the first to review this product!
All prices are in USD. © 2014 Doll Clothes Superstore. Sitemap
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text: Since 1981, Land O'Lakes International Development has applied an integrated approach to international economic development that capitalizes on our company's 90 years as a leading farm-to-market agribusiness. We use our practical experience and in-depth knowledge to facilitate market-driven business solutions that generate economic growth, improve health and nutrition, and alleviate poverty. For information about our 2013 impact and results, click here. Additionally, a Land O'Lakes International Development overview brochure is available in English, French, and Portuguese. To learn more about our commitment and expertise incorporating gender, diversity and inclusion into our programs, click here and download our new toolkit here. For more information about our commitment to ensuring that our development efforts do no harm in areas affected by conflict, click here.


text:
[Update] Mutant Mudds dev unveils Moon Chronicles, the first FPS for the 3DS
Matthew Diener
Moon Chronicles
Renegade Kid
[enlarge screenshot]
Updated at 9:24pm GMT -
Renegade Kid emailed us back with the following, "Yes, we intend to bring Moon Chronicles to Europe. We do not have any firm release dates for either territory yet." The original story follows.
Nintendo's 3DS is set to receive a fresh infusion of tasty first-person shooter gameplay thanks to the minds at Renegade Kid.
The studio behind
Mutant Mudds
has announced that it's planning a 3DS remake of its Pocket Gamer Silver Award-winning FPS,
reports that the new game -
Moon Chronicles
- will run at a reported 60 frames per second in both 2D and 3D modes, and will take advantage of the 3DS / 3DS XL's larger top screen.
And yes, Sir Frags-a-lot, it'll also offer support for the Circle Pad Pro so you can get a proper twin-stick experience with it.
Renegade Kid is planning an episodic release of
Moon Chronicles
on the eShop, with the first four-chapter episode hitting this spring at $8.99 (~£5.99).
Chapters 2 and 3 will also contain four missions and will be available as DLC for $1.99 (~£1.49). Chapter 4 is the real bargain, however, as it consists of six missions and costs the same as the first two DLC packs.
Renegade Kid hopes to launch an all-new second season of
Moon Chronicles
next year, assuming that the first outing finds success on the eShop. The second season's content will be set years after
's storyline.
There's no word yet on a UK/EU release, but we've reached out to Renegade Kid to see what its international plans are.
We'll update you as soon as we hear back.
More news >
Pocket Gamer homepage >
©2014 Steel Media Limited
Get even more pocket gaming goodness online at www.pocketgamer.co.uk


text: Photos of LC by POPSUGAR Celebrity 1/25/10 0 Reactions 0 Shares Print 0 0 0 0 0 Previous Photo 1 of 23 View on One Page Next 1 Photos of LC Read More Lauren Conrad Lauren Conrad Lauren Conrad Is a Treasure Trove of Halloween Costume Inspiration 3 days ago How to Get Lauren Conrad's Bridal Beach Waves 5 days ago Laguna Beach and The Hills: Where Are They Now? 5 days ago We Have Our First Look at Lauren Conrad's Wedding Gown 5 days ago See Lauren Conrad and William Tell's First Wedding Picture! 6 days ago Lauren Conrad's Cutest Snaps With William Tell 1 week ago Get a Personalized Celebrity & Entertainment Newsletter! Help us customize your newsletter by selecting your interests (optional): Movies A Listers TV Young Hollywood Link Love Ginnifer Goodwin says 4-month-old Oliver is "in love with books" — Us Weekly Is this Jennifer Lopez's sexiest look yet? — HuffPost Celebrity Terri Seymour is pregnant with her first child — People Brad Pitt and Angelina Jolie take their kids bowling — Lainey Gossip Lauryn Hill fans are not happy right now — Dlisted Clay Aiken makes controversial comments on nude photo hacking — ET Did Tom Hardy get secretly married? — JustJared Ed Sheeran and Macklemore perform "Same Love" — BuzzFeed Trent Reznor's new song from the Gone Girl soundtrack — Pink Is the New Blog Leonardo DiCaprio tries his hand at rapping — The Superficial Jessica Chastain steps out looking supersexy — Hollywood Tuna Ariana Grande's life coach couldn't deal with her attitude — The Blemish Latest


text:
Pack of 4 Lasting Expressions Lighthouse Verse Table Top 3D Plaques 6.25"
Pack of 4 Lighthouse Table-Top Plaques
From Roman Inc., Lasting Expressions Collection, Item #40781
These elegant plaques will add a great touch to the decor anywhere in your home.
Clear glass plaques feature a 3D scene that depicts a lighthouse with waves crashing around it.
Inscribed with the following phrase in ivory lettering - "A true friend is a beacon of light in the storms of life."
Comes with a clear acrylic display stand which enables the plaque to sit neatly on a table-top.
Approximate dimensions: 6.25"H x 6.25"W x 2.25"D
Materials: Resin / Stone Mix / Glass / Acrylic
Each plaque & stand set comes individually packaged in a window gift box
In Stock: Sold Out
Price: $63.99


text:
Chemical Engineering & Processing Programs & Projects
NIST Standard Reference Simulation Website
Last Updated Date: 09/24/2014
The Standard Reference Simulation Website is an ongoing project whose aim is to provide well-documented simulation results for a variety of … more
COMPLETED: Nanoscale Thermal Properties Project
Last Updated Date: 09/05/2014
Our goal is to develop measurement techniques to characterize the changes in thermal transport and thermal transition temperatures in polymeric … more
Far-infrared Spectroscopy of Biomolecules
Last Updated Date: 07/11/2014
Far-infrared (or terahertz/THz, ca. 25 to 300 micron wavelength) femtosecond pulsed laser and Fourier-transform infrared methods are employed to … more
Crystallographic Databases
Last Updated Date: 05/21/2014
Components and devices used in a broad spectrum of technology sectors such as health care, communications, energy and electronics are manufactured … more
3D Tissue Scaffolds
Last Updated Date: 05/15/2014
Our goal is to develop advanced measurement tools and standards for measuring scaffold properties and their impact on biological response.
Gas properties for flow metering
Last Updated Date: 04/30/2014
Flow meters that rely on measuring the pressure drop across a laminar flow element can be accurately calibrated using a benign surrogate gas (such … more
Membranes for Clean Water
Last Updated Date: 04/18/2014
COMPLETED: Polymer Formulations
Last Updated Date: 04/17/2014
Our goal is to develop combinatorial and high-throughput measurement approaches for rapid characterization of the structure and phase behavior of … more
Web Force-Field (WebFF) - A Smart Force Field Repository for Soft Materials
Last Updated Date: 04/17/2014
As part of our mission to support the Materials Genome Initiative (MGI), we are developing data repositories and tools that support Integrated … more
Modeling Dispersion Rheology for Non-Spherical Particles
Last Updated Date: 04/16/2014
The flow of polymer composites via injection molding, spraying or spreading on surfaces is crucial to polymer composite manufacturing. For … more
Transient Flow Facility
Last Updated Date: 04/04/2014
Today, demonstration vehicles are refueled with hydrogen from dispensers within 3 to 5 minutes using sequential gas releases from a bank of … more
Smoke Stack Simulator
Last Updated Date: 03/11/2014
Today, inconsistencies between measured CO 2 emissions and emissions calculated from coal consumption are on the order of 10% to 20%. Either a … more
Acoustic Techniques in Fluid Metrology
Last Updated Date: 03/11/2014
The Fluid Metrology Group leads the world in designing and using gas-filled acoustic resonators for measuring the thermodynamic temperature T , … more
Understanding Flow Meters
Last Updated Date: 03/10/2014
Accurate flow measurements are needed for test fluids, temperatures, pressures, flows, and installation conditions that differ from those used … more
Microsystems for Harsh Environment Testing
Last Updated Date: 01/10/2014
Our goal is to develop and demonstrate a MEMS-based methodology for evaluating time-dependent mechanical properties of materials that undergo … more
ContactGeneral Information:
100 Bureau Drive, Stop 1070
Gaithersburg, MD 20899-1070


text:
This 1956 Lincoln Continental Mark II is for sale in our Louisville KY showroom. Competing with the other luxury cars at the time including... More
1958 Lincoln Continental.... More
Older restoration. Very nice car.... More
Vehicle to be auctioned Friday, October 31st at Motostalgia's 2nd Annual Grand Prix sale in Austin, TX. For more information visit www.motostalgia.com ... More
For sale in our Detroit showroom is this unique and classy 1950 ??Baby Lincoln? OEL. Not many of these Baby Lincolns were produced making... More
1956 Continental Mark II offered at $54,000. Owned (second owner) since 1963. An original Santa Barbara car that has never left the City. All... More
only 18k originalmiles,one of first 20 made,new black paint, new grey interior,great chrome,new tires and exhaust,new brake system,new fuel system gas tank to carb,new... More
A 1957 Continental Mark II that will Impress You—and Everyone Else! Formerly in '57 Heaven Car Museum, Branson, MO The hand-built 1957 Continental MK IIs are... More
1950 Lincoln Tudor, Beautiful unmolested extremely rare '50 "baby" Lincoln, Royal Maroon finish, original flathead V8, auto trans, supurb driver quality; well above average condition, a... More
1957 Lincoln MK 2, This is one of the finest Continental Mark II's available. Rarely can you find a car as untouched and perfect... More
1956 Lincoln Continental Mark II. Call or email for more info... More
1956 Lincoln Continental Mark II - Good driver, new paint, new chrome, original interior, runs and drives good, has A/C. Great for local shows... More
1956 Lincoln Premiere, Been in storage for years ! Arizona car with low original miles,,Was in the process of being restored. New rechromed front... More
One Of Just Over 3000 Mark II's Hand Built By The Continental Division Of Ford Motor Company And Sold Through Lincoln Dealers In 1956 And1957. At... More
1957 Lincoln Premiere 2-Door Hardtop. Original, classic blue. Under the hood you will find a 368.0 cubic-inch V-8 engine. The comforts of power steering,... More


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Light Rain
2 of 29
Credit: Getty Images
NEW YORK (AP) -- Dr. Drew is defending himself, as he's being criticized for the treatment he gave patients on "Celebrity Rehab." Five of the stars have since died, the latest being Mindy McCready. Dr. Drew says he's not responsible for the deaths, though he tells "The View" "in a weird way" he wishes he could be. He says he hasn't been McCready's doctor in years. He says he spoke to McCready two weeks ago and helped persuade her to get help, but she left rehab within hours. Since her death, Dr. Drew says he's gotten emails and texts from 10 of his patients from Celebrity Rehab who thank him for the treatment they got.
©2014 King Broadcasting Company, A Gannett Company. All Rights Reserved.
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Mechanisms of transport of Na+, K+ and CI- in Malpighian tubules of Rhodnius prolixus and Drosophila melanogaster
Date of Award
Degree Type
Degree Name
Doctor of Philosophy (PhD)
Professor Michael J. O'Donnell
Most insects regulate their haemolymph composition and volume within narrow ranges even when exposed to extreme or variable environmental conditions. Osmotic and ionic balance are maintained by the actions of the excretory system which consists of the Malpighian tubules and hindgut. In this thesis I examine the mechanisms of ion secretion involved in fluid secretion by Malpighian tubules of species faced with excess sodium or potassium in the diet. Malpighian tubules of the blood-feeder Rhodnius prolixus secrete Na + -rich fluid, whereas tubules of Drosophila melanogaster, which feeds on yeast growing on rotting fruit, secrete K+ -rich fluid. Of particular interest is the means by which tubules ofthese two species control the ratio of Na+ to K+ in the secreted fluid. My results show that K+ and Cl- are actively transported into the cells across the basolateral membrane of Malpighian tubule cells of both species through a bumetanidesensitive cotransporter driven by the electrochemical potential favouring Na+ entry. In Mapighian tubules of Drosophila most of the Na+ that enters through the bumetanidesensitive transporter is recycled back to the haemolymph through a Na+/K+-ATPase, resulting in secretion of a K+ -rich fluid. I hypothesize that the Na + /K+ ratio of the fluid secreted by tubules of Drosophila is modulated by the activity of the Na+ /K+ -ATPase. Serotonin-stimulated Malpighian tubules of Rhodnius do not recycle Na+ and secrete Na+-rich fluid. The secreted fluid Na+/K+ ratio varies with haemolymph composition, so that less K+ is secreted as haemolymph K+ concentration declines. This replacement of K+ by Na+ in the secreted fluid contributes to homeostasis by regulating the concentrations ofK+ and Na+ in the haemolymph.
Recommended Citation
Ianowski, Juan Pablo, "Mechanisms of transport of Na+, K+ and CI- in Malpighian tubules of Rhodnius prolixus and Drosophila melanogaster" (2004). Open Access Dissertations and Theses. Paper 1589.


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"Penn State career department gives students tips on what to say to prospective employers about scandal"
After the scandals at Penn State, the university is informing students on how to handle situations in their employment search. This made me wonder will students from Penn State have a fair or unfair advantage in the job market because they went through such a scandal at the university.
Admir Domazet
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Abortionist kills baby … oh, and the woman too
A while back I read an article praising the courage of the last four remaining late-term abortion doctors. You know, it takes a lot of courage to dismember a baby still in the womb or coming down the birth canal of a woman.
One of the late-term abortionists LeRoy Carhart , has killed another woman. Forgive me for not commenting too much on this. I don't hold people who murder unborn children in high esteem and I might say something (write in this case) that could be offensive to some.
Dixie permalinkFebruary 8, 2013 4:35 pm
Honestly I am stunned. I don't know what to say. Why would such a later term abortion even be considered? I don't get it. He should lose his medical license, period. It's murder plain and simple murder.


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In this humorous talk, Sensei teaches us that the wandering mind is universal. These thoughts are the cause of our suffering, but also not the enemy. To go beyond them we need to be relaxedyet determinedto clearly see the nature of our mind.
by Geoffrey Shugen Arnold, Sensei
Transmission of the Light, Case 32:
Dayi Daoxin
Zen Mountain Monastery—April 27, 2013
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Read more about Geoffrey Shugen Arnold, Sensei


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Is it bad to have excessive water pressure?
YES! Too much pressure causes excessive wear on your pipes
and fixtures and greatly increases your risk of flooding.
Ideally your water pressure should be somewhere between 60
to 75 lbs. If your pressure is higher you need to contact
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this risk!
For other questions you may have contact our
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An Encyclopedia of Claims, Frauds, and Hoaxes of the Occult and Supernatural
Introduction | "R" Reading | Curse of the Pharaoh | End-of-the-World Prophecies
Index | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | Y | Z
planchette The heart-shaped pointer device often said to have been invented in 1852 by a man named Planchette, but this seems highly unlikely, given that the French word planche means "board," and thus planchette means "small board."
This device is usually used with a Ouija board, the point of the heart moving over the board to indicate the letters or numbers. It is supported above the board or paper on three short legs equipped with tiny casters or other bearings. If equipped with a pencil at the pointed end as a support, it can be used over a piece of paper in automatic writing.
The planchette used as an automatic writing device.
The Daily News of London in 1896, describing in an obituary the life and work of a hare-brained socialite of the day, was well aware of the real value of the device:
For nine years, he toyed with the planchette, the turned tables, in short used the familiar, hanky-panky means of communication with the unseen world.
See also Ouija board.
Click here to order a copy of the original hardcover edition of this Encyclopedia.
Copyright (C) 1995-2007 James Randi.
Created and maintained with the dictionary compilation software TshwaneLex.


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1 note &
31 Days to Clean: Day 3
Mary Challenge: Ask your family what makes them feel the most loved when it comes to you caring for your home – ask them to be specific so that you can begin (or continue) to give life to your domain.
Since Allen is the only family member who can talk (so far), this didn't take long! He said that the most important things to him were the floors and counters/tables being clean. Or at least having neat piles instead of stuff strewn across the surfaces.
That's good to know! If the choice comes down to doing a pile of laundry or picking up clutter off the floor, I know which will make my husband feel more loved and taken care of. Valuable info, wouldn't you agree?
Martha Challenge: Kitchen - Dust tops of refrigerator, cabinets, and shelves. Clean and shine the outsides of drawers and cabinets.
So take a look at this cabinet. Looks pretty normal, right? Your average, everyday cabinet.
How about a close up? Hmm. I guess it's a little dingy once you get up close.
Can you guess which one has been cleaned??? Yeah. Ew. I know they say you shouldn't air your dirty laundry, so maybe you shouldn't post pictures of your dirty kitchen cabinets. But then how would you guys be proud of me, if you didn't see how hard I scrubbed?
This challenge is really motivating me! I feel good about the work I'm getting done, even if I won't be done by May 31st. I'm kind of nervous about the next challenge, though. I'll give you a hint. It involves an oven. And cleaning it. Yikes.


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Partners for Fish and Wildlife Program
The mission of the U.S. Fish and Wildlife Service is to conserve, protect, and enhance fish and wildlife and their habitats for the continuing benefit of the American people. By working with others, the Service's Partners for Fish and Wildlife Program helps accomplish this mission by offering technical and financial assistance to private (non-federal) landowners to voluntarily restore wetlands and other fish and wildlife habitats on their land. The program emphasizes the reestablishment of native vegetation and ecological communities for the benefit of fish and wildlife while sustaining the needs and desires of private landowners.
The objectives of the Partners program in Nebraska are to: (a) protect and restore Federal trust species on private lands through cooperative efforts with other governmental agencies and private partnerships; (b) conserve biological diversity through the careful selection, design, and implementation of restoration projects; and (c) provide technical assistance to USDA and landowners involved in the implementation of key conservation programs.
In cooperation with Nebraska Game and Parks Commission, Natural Resources Conservation Service, Ducks Unlimited, and numerous landowners, the Partners for Fish and Wildlife Program in the Nebraska Panhandle has provided assistance on 95 projects in 13 counties since 1992.
The Nebraska Panhandle and its wildlife resources are highly diverse and very dynamic. The Partners Program focuses its efforts on working with farmers and ranchers to restore wetlands, stream and river corridors, prairies, grasslands, and other important fish and wildlife habitat. Some projects have resulted in substantial amounts of restored habitat for Federal trust species (i.e., migratory birds and threatened and endangered species).
Restoration costs may be shared by any combination of governmental agencies, private organizations, and the private landowner. Cost-effective restoration projects which provide maximum benefits to fish and wildlife for the least money receive top priority from the Partners program. The landowner must commit to maintaining restored habitat for a minimum of ten years by signing a wildlife extension agreement with the Service.
If you are interested in participating in this exciting program, please contact us.
These photos show a degraded wetland before and after restoration.


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Rate Dr. Marvin I. Bautista
Dr. Marvin I. Bautista's Ratings
I found Dr. B after trying another Chiropractor during a very bad time for me and my back. He was recommended by a friend that probably saw 3 or 400 Chiropractors before finding Dr. B. I've recommended 4 people and all have gone back to visit him on multiple occasions. I drive 40 minutes to see him, which means I don't see him as often as I should but says a lot about his quality of care. You can't go wrong with Dr. Bautista.
Submitted Aug. 16, 2010 | flag
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in San Bruno, CA
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Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
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The Social Media Marketing Blog: This Week in Social Media – 4/3/2013 http://t.co/bxhqSr8MfC via @ScottMonty
11 Social Media Marketing Gurus Revealed Their Best Social Media Traffic Source via @rshahbaz
I gave @viaSammiLaw +K about Social Media on @klout
I gave @jaycbee +K about Social Media on @klout
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The clock has finally started ticking down to one of the most substantial changes ever seen in the European market for over-the-counter derivatives, a significant part of the global market worth €692 trillion at the end of June 2013, according to the Bank for International Settlements.
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The Federal Reserve doesn't plan on getting back to normal anytime soon
From The Wall Street Journal


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Win "Martha's Entertaining: A Year of Celebrations" on the Ehell blog! Entries close May 11th.
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Are you sure it wasn't a joke? No matter how the comment was said I would assume it was a joke and just laughed.
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Category Archives: Real Food + Nutrition
Changing the Food Culture: Retraining Our Children's Taste Buds
Dinner tonight was a little less than stellar. It was a long weekend, the house was still a disaster, and as dinner time approached, everything in me envied the house next door that just had pizza delivered to their doorstep.… Read the rest
Cold-Kicker Spicy Chicken Soup
A guest post by Lucy Kesler, Inn Keeper at The Olde Buffalo Inn B+B, originally published in October of 2012
"Let food be thy medicine,
and medicine be thy food"
- Hippocrates
There was a frost warning out earlier this week for northern Indiana and I'm wearing jeans and socks.… Read the rest
20 Autumn Soup Recipes
I'm soooo glad that cooler weather is finally appearing! We are a soup-eating family and this summer when it hit over 100'F for a solid week in the middle of the worst drought in 70 years, I could bring myself to make a warm, savory pot of stew!… Read the rest