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Delicious - My only recommendation is I always double the recipe. It is a little labor intensive for such a small cake and that is the only way to have leftovers the next day.
Pineapple-Coconut Upsidedown Cake
Oxmoor House
More From Oxmoor House
Nutritional Information
Amount per serving
- Calories: 292
- Fat: 9.5g
- Saturated fat: 5.7g
- Protein: 3.5g
- Carbohydrate: 49.5g
- Cholesterol: 48mg
- Iron: 1.5mg
- Sodium: 226mg
- Calories from fat: 29%
- Fiber: 1.2g
- Calcium: 79mg
- 1 (20-ounce) can pineapple slices in juice, undrained
- Butter-flavored cooking spray
- 1 tablespoon butter or margarine, melted
- 1/3 cup firmly packed brown sugar
- 12 maraschino cherry halves
- 1/4 cup flaked sweetened coconut
- 1/4 cup butter or stick margarine, softened
- 2/3 cup sugar
- 1 large egg
- 1 1/4 cups all-purpose flour
- 1 1/2 teaspoons baking powder
- 1/8 teaspoon salt
- 1/2 cup mashed ripe banana
- 1/4 cup 2% reduced-fat milk
- Preheat oven to 350°.
- Drain pineapple in a colander over a small saucepan, reserving juice. Cut 6 pineapple slices in half crosswise; reserve remaining pine-apple slices for another use. Coat a 9-inch round cake pan with cooking spray. Coat bottom of pan with 1 tablespoon melted butter; sprinkle with brown sugar. Arrange pine-apple, spoke-like, on top of brown sugar, working from center of pan to edge. Arrange cherries between pineapple slices. Sprinkle evenly with coconut, and set aside.
- Bring pineapple juice to a boil; cook 3 minutes or until reduced to 1/3 cup. Remove from heat; let cool.
- Combine softened butter and sugar in a large bowl, beating at medium speed of a mixer until well blended. Add egg, beating well.
- Combine flour, baking powder, and salt in a small bowl; stir well. Combine banana, milk, and vanilla in another bowl. Add dry ingredients to butter mixture, alternately with banana mixture, beginning and ending with dry ingredients. Pour batter into prepared pan.
- Bake at 350° for 35 minutes or until a wooden pick inserted in center comes out clean. Cool in pan 5 minutes on a wire rack. Loosen cake from sides of pan, using a narrow metal spatula. Invert cake onto a serving plate. Poke holes in cake with a wooden pick; slowly drizzle with reduced pineapple juice. Cut into wedges, and serve warm.
My Notes
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Pineapple-Coconut Upsidedown Cake Recipe at a Glance
- COURSE: Cakes/Frostings
- CONVENIENCE: Entertaining, Family
- CUISINE: American
- MAIN INGREDIENT: Rice/Grains
- DIETARY CONSIDERATION: Meatless
- COOKING METHOD: Bake
- OCCASION: Easter
- PUBLICATION: Oxmoor House
More Recipes Like This
Mile-High White Chocolate Hummingbird CakeOxmoor House
Pineapple-Coconut Cupcakes with Buttermilk-Cream Cheese FrostingSouthern Living
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New Starcraft 2: Heart of the Swarm units revealed
With StarCraft 2: Heart of the Swarm rapidly approaching beta later this summer, Blizzard showed off some of the game's potential new units.
The Heart of the Swarm focuses on the Zerg, and two new units were shown for that side: the Swarm Host, which sends out infinite waves of free locust units against the enemy, and a Viper unit, which can pull units to its location or blind other units. Two new Terran and three Protoss units were also on display.
These new units are not final, and Blizzard is reserving the right to pull these units later should they "not work out" before the beta. Several units have already been in the game and removed for that reason.
Gamers at the MLG Spring Championship in Anaheim, CA had a chance to play with the eight new units. In addition to debuting the new units, the company also modified the abilities of several more, asking gamers to provide feedback. Many of the competitive players present at this tournament will be invited into the beta, a Blizzard spokesperson said, so that they can get a more extensive feel for how the units handle in competitive situations.
In the image above, a wave of Protoss Tempests, with extremely long-range, advance on Zerg position. Notice in the top left a few shields are in place. A Protoss Oracle is using its shield ability on Zerg mineral harvesting to slow down the enemy's flow of resources.
Here, an aerial Zerg Viper uses is "blind" ability (the green spray) to cut down on the sight range of some Terran units. Blinded units have a firing range of one. The Viper can also pull units closer to its position for other Zerg units to attack.
A couple of Terran widow mines explode, destroying the units they had attached themselves to. The mine attaches itself to the first enemy unit that crosses it, and blows up 10 seconds later, causing 200 points of damage to the unit and additional splash damage to surrounding units.
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Free Download: 10 Timeless Gun Collecting Articles from Gun Digest
Enter your e-mail in the box below and we'll give you IMMEDIATE ACCESS to this special digital compilation. Articles in this Compilation: Cabanas P-21, Remington Model 673, VZ-52 Czech, Lee-Enfield Jungle Carbine, French Service Revolvers, S&W Model 1940, Model 66 Super Single … And More! As an added bonus, we'll send you the industry's best e-mail newsletters from Gun Digest and Tactical Gear and the industry-leading companies' special offers, straight to your inbox. This FREE service is another benefit of being a fan and reader of Gun Digest.
If you are a firearms collector or entertain the idea of becoming one, the collecting of Walther manufactured firearms is a very exciting and rewarding venture. With Walthers you have a wide range of firearms that the Walther Company manufactured — or is manufacturing — from which to choose. There are rifles, shotguns, pistols and flare and air guns. All have different models, variations of the models, calibers and gauges. Second, if you become knowledgeable in the field your purchases should increase in value not only allowing you to have the excitement of collecting, but the accumulation of equity in your collection.
The Walther Company, led by its family members, have been manufacturing firearms since 1886 when Carl Walther founded a gun shop in the town of Zella, which was later incorporated into the town of Zella-Mehlis, Germany. At first, Walther produced shotguns and rifles. Later, Fritz Walther, Carl's oldest son, joined the firm and brought his genius for design to the company and it expanded its production into pistols.
Although the Walther Company has produced many types of pistols from the early 1900s, the Models PP and PPK were latecomers on the automatic pistol scene when compared to such pistol manufacturers such as Mauser, Luger and Colt as they did not make their appearance until 1929. However, shortly thereafter they were being sold in all parts of the world. These beautifully-made guns were the first of the original double-action blowback semi-automatic pistols. They had a successful commercial design with a high polished blue finish that was second to none.
A few years after the Models PP and PPK appearance on the world's firearm market, Adolf Hitler and the National Socialist German Workers Party took over the reigns of the German government, the military and the police. It was then that a majority of the Walther production was contracted for by the NSDAP, German army and the national police.
With the emergence of the NSDAP as the power in Germany, the increase in military power was ordered, and the Army High Command-OKH-Heereswaffenamt began placing contracts with the Walther Company for both the Walther Models PP and PPK. Most of the models were contracted in caliber 7.65mm.
There were contracts for a smaller amount of Model PP in caliber 9mm Kurz and even less in the Model PPK in the same caliber. Depending on their serial number range, these pistols showed Crown over N. or Eagle over N. nitro proofing on the right side of the pistol's slide, barrel and chamber. The military acceptance proofs, Eagle over 359 and Eagle over WaA359 were placed on the left side of the pistol's slide and frame to the rear of the model designation and to the rear of the trigger on the frame.
The Models PP and PPK with the Waffenamt proofs began with a high polished blue finish on each pistol. But as the years progressed toward the end of World War II and the labor diminished these models showed a milled finish. The following is a short description of the Models PP and PPK bearing the Waffenamt proofs.
The first of the Models PP and PPK with the high polished blue finish had the Eagle over 359 proof on the left side of the slide and frame with an occasional proof on the left rear of the slide at the tang. Grips were black on the Model PP and brown on the Model PPK.
Enter the Gun Digest High Caliber Sweepstakes!
The second series of proofs was the Eagle over WaA359. These too were found on high polished Models PP and PPK except there was no proof on the rear of the slide at the tang. Grips were black and brown respectively.
The third series was the Eagle over WaA359 found on the milled finish models till the end of World War II. On these later pistols the proofs remained in the same location on the pistols with some changes in the pistols themselves. On the Model PP you will find the standard two-piece black grips as well as reddish colored grips.


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Copper and other base metal prices climbed in pre-market trading on the London Metal Exchange on Tuesday, supported by the euro's rebound against the dollar.
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By David Purdum / For the AJC
Forget the refs, the most polarizing topic of the football season so far has been the acceptable level of effort used when running the always-thrilling quarterback kneel down.
Two weeks ago, New York Giants coach Tom Coughlin got very grumpy after the Tampa Bay Buccaneers bull-rushed and knocked over quarterback Eli Manning on a kneel-down play.
Coaches, players and members of the media all took sides on the issue. There was no definite winner. The absolute proper way to execute and defend the victory formation is still up for discussion.
The debate boils down to one question – At what point does sportsmanship trump the desire never to give up?
The answer, in my opinion, is the scoreboard. If it's a one-score game, anything goes. The offense is allowed to continue to attempt to win the game until the clock runs out. The defense should be afforded the same opportunity.
If it's more than a one-score game, then the defense should accept defeat and allow the offense to kneel down.
My opinion differs at the high school level, though. I believe the victory formation should be used sparingly. For the majority of players, high school is their last chance to play competitive football. Some backups may never get in a game their entire career. They just want to play.
If I was coaching, even if a game got out of hand, I would insert my backups and continue to run offense.I've always thought taking a knee in most cases was more insulting than continuing to play. (Full disclosure: I once ended a competitive family touch football by kneeling down. Grandma was so mad.)
Some area high school coaches agreed with me; others didn't. But their attention to detail coaching the play was impressive.
At Brookwood High School, coach Mark Crews puts two backs close to the quarterback. They are responsible for making sure the snap is secure and then protecting the quarterback.
"We have our fastest guys 15 yards behind the formation to serve as a safety," said Crews, whose 2-1 Broncos travel to Lilburn for their annual Gwinnett showdown with rival Parkview on Friday. "We work on how much time we have to kill and how most effectively to kill that much time."
Twice, Johns Creek coach Mike Cloy has called a fake kneel-down on a play before the end of the first half. He instructs his quarterback to pretend to take a knee then stand up and throw a pass in an effort to catch a defense off guard.
"It worked once," said Cloy, whose undefeated Gladiators face Chattahoochee this week in a big Region 6-AAAAAA showdown. "Would have worked the other time, but the ref thought the quarterback's knee hit the ground."
Here are some more takes on the Great Victory Formation debate from area coaches:
"In my opinion it's a class issue. We tell our players to expect the other team to act without any class. They're beaten, they don't like it, and the formation is necessary, but at the same time it's sort of a necessary "rub in your face." We won, and there is nothing you can do about it. So, it is likely to elicit a negative response… be ready for it and have some class of your own. Block, Start the clock, check your emotions and win with class. If you expect the other team to act out in that situation and have your team prepared for that, then you hopefully can be proactive in avoiding problems."
- Brookwood's Mark Crews
"We work on "Victory" formation each week and go over it as a live play. We had to actually use it in our first game, which was a one score game. If we had taken that play off, it's possible that anything could have happened in a negative way. It's a live play, in my opinion, and the defense can go as hard as they do any other snap."
- Central Gwinnett coach Todd Wofford
"We teach/run the Victory Formation and tell the kids that "anything goes" on that play so BE PREPARED! You're right on target regarding the Giants – Bucs game. My guess is the Giants got caught off guard and it almost cost them. If it had been a two-score game or better, their concern would be justified. But down only one score? I applaud the Bucs for playing to the final whistle.
- Blessed Trinity coach Tim McFarlin
"I definitely think the game situation plays a role in how a coach approaches this type of play. However, we never coach our kids to concede anything, but at the same time we elevate poise and self-control to high levels throughout our program and would expect our players to demonstrate these ideals under all circumstances."
- Wesleyan coach Franklin Pridgen
"If it is a close game, we teach the defense to play to the whistle and try to get the ball. If we are on offense, we expect them to be ready and block to the whistle to protect the ball no matter what the score is."
- Lassiter coach Jep Irwin
September 26th, 2012
1:00 pm
In my opinion, there's no such thing as running up the score!!! That kind of thinking is for losers, play the game until the clock hits zero…..then shake hands and go home!!
September 26th, 2012
3:20 pm
In the 2010 season, Northwest Whitfield was playing at Rome with a 17-14 lead and just under two minutes to go in the game. Northwest went into victory formation near midfield, which was unusual since they had lined up in a spread formation all night long. The snap was fumbled by the quarterback. A Rome linebacker picked up the ball and returned it for a touchdown, giving Rome the 21-17 win. Rome made the playoffs that year and Northwest didn't with this game the deciding factor. It can backfire on teams.
September 26th, 2012
10:34 pm
Friday night Norcross was up 36-0 over Duluth in the 4th quarter with a running clock. With less than 3 minutes left in the game Norcross had there backup quarter back in. In an effort to get him some throwing practice in, he made a pass that was picked off around the Norcross 40 yard line. It was returned for a touchdown and as a result, Norcross did not get the shutout. But instead of just focusing on preserving the shutout by running the ball, Norcross still tried to play normal offense with the backups in, to get them practice.
September 27th, 2012
8:01 am
No such thing as running up the score? Please! In big time High School football we are still dealing with children/young men, and must set the right example. In a blowout game each player needs to go all out on every play. However, the coach needs to do the right thing in playing the reserves and dialing back the playbook. If the 3rd string back runs up the middle 50 yards for another score, or the 3rd string linebacker stops him for a loss, either play may be the highlight of their career. This season our 4-0 team is averaging over 30 first-half points per game and less than 14 in the second due to playing reserves and shutting down the high power play calling. There is no need to hang 60 points on the opposition…. until we play Walton and then 80 will not be out of the question!
September 27th, 2012
7:21 pm
If the 2s and 3s are scoring, that is not running up the score, but if you leave the 1s in and get a cheap shot injury, well there you are.


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text: A new report suggests that Los Alamos National Lab continues to experience problems in its accounting for certain nuclear materials. Also, New Mexico's State Auditor and Gov. Susana Martinez continue wrangle over access to an audit of Medicaid. Get the details on these stories and more during this news brief from Hutton Broadcasting.


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Areas of Excellence
Nursing Around the Globe
Center for Global Nursing
Promoting innovation, capacity development and advocacy for the advancement of nursing education, research, practice and health policy worldwide.
Learn About the Center
Students shape their nursing practice and research skills across borders, in locations like Haiti, South Africa, Singapore, and more.
The Johns Hopkins University and the School of Nursing have established organizations to facilitate sharing knowledge and experience throughout the world.
Global Health at Hopkins
Our students, faculty, and alumni share and grow their Hopkins nursing knowledge as they work, learn, and collaborate with health care professionals around the globe.
Chance Encounter
A Familiar Face in an Unexpected Place
While a picture may be worth a thousand words, a picture of School of Nursing associate professor, Nancy Glass, PhD, MPH '96, BS '94, RN, is also worth income for women in Uganda.
This past June, Traditional '11 students, Jacqueline Brysacz, Emily Johnson, and Janet Lawson, who were participating in the School of Nursing's International Transitions Practicum program in Uganda, took a weekend trip to Queen Elizabeth Park located along the Uganda/Democratic Republic of the Congo border. In an email sent to Glass, Brysacz describes the experience, "…on our last morning there, a women's group came to our camp and gave a class on making paper beads and basket weaving. They had a stack of magazines that they use for cutting and making beads, and we noticed that Peace Corps Worldview was among the stack. Turns out they had worked with a Peace Corps volunteer to develop their women's group and they were really excited to know we had worked as Peace Corps volunteers with women. I opened up the magazine and saw that Hopkins has the first page of advertising. So, we talked with women about our program and said that we knew some of the people whose photos are on the cover. We saw your photos and told them that you are our teacher. The women laughed and said, 'Ah! We are making beads with your teacher's face!'"
Glass was tickled to receive the email. When asked about having her photo turned into jewelry she says, "I thought it was fun that the magazine was being used in innovative ways, including income generation for women. I give it to the Peace Corps volunteers who know how to use all the resources available to them to make something positive happen."
Reproduced from Johns Hopkins Nursing, Fall/Winter 2011


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Macy's Interview Questions in San Francisco, CA
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Interviews for Top Jobs at Macy's
- Sales Associate (819)
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66 Candidate Interview Reviews Back to all interviewsSort: Popular Date Difficulty
- Application Details
I applied through an employee referral. The process took 4+ weeks - interviewed at Macy's in February 2014.Interview Details
They have intermediate selection process starting from HR interview, technical phone screen, programming test followed by technical in person interview. After all if Macys would like to offer at all, there will be a director/ VP interview followed by compensation discussion/negotiation.Interview Questions
Negotiation DetailsBonus they never give compulsory. In case of compensation is not upto the mark, you can ask for joining bonus from 10K to 15K approximately.Accepted OfferPositive ExperienceDifficult Interview
- They provided me a computer and informed the current problem they are facing. You have been given 15 minutes time to think of, followed by explain you approach. View Answer
- Application Details
I applied through college or university - interviewed at Macy's.Interview Details
After the resume drop, a college recruiter will contact you for an in-person interview on campus. You will interview with two people at this time and those two individuals' roles vary. I was interviewed by an HR Manager and a Store Manager.Interview Questions
Negotiation DetailsStarting salary is fixed.Accepted OfferAverage Interview
- Case study/ role play of how you would address and coach an associate on one metric on their scorecard. The interviewer will evaluate why you chose this metric to coach to and assess how confident you are when delivering your feedback. Answer Question
- Application Details
I applied online. The process took 5 days - interviewed at Macy's in June 2014.Interview Details
I applied for the job the night before I got two emails inviting me to come interview with Macy's/Bloomingdales and to schedule an interview. I got there and someone else had my interview time slot as well, which was strange to me. I was mostly prepared for the interview but there were like 3 pages worth of questions and I wasn't prepared for ALL of those...so, the interview ended, she asked my availability, told me about the points system and also that the position for shoes was filled... but asked me if there was anywhere in particular I would prefer to work. I told her I was flexible and could manage working in just about any department I was needed... and after all that, I still didn't get the job. I was informed by e-mail I didn't get it the next day.Interview Questions
No OfferNeutral ExperienceDifficult Interview
- Name a time where you were faced with a difficult question in an unfamiliar subject and what solution did you come up with or something like that. Answer Question
- Application Details
I applied online. The process took 1 week - interviewed at Macy's in May 2014.Interview Details
Applied online, two days later interviewed in the WalnutCreek store. It went great- I had a rapport with the lady and she commented on leadership. Then I received an automatic email stating that my salary on my application was inappropriate, though I stated I'd be flexible. Pay hadn't been discussed.Interview Questions
No OfferPositive ExperienceEasy Interview
- What was a time you had to address a co-worker or friend doing something wrong or against the rules? What did you do? Answer Question
- Application Details
I applied online. The process took 1 week - interviewed at Macy's in January 2014.Interview Details
I was hired by Macy's on the spot during a very casual 20 minute in person interview. However, when working for a cosmetic line you also have to interview with them after, depending on the company this may be another 1-3 interviews.Interview Questions
Negotiation DetailsThere was a little room for negotiation. But usually there isn't much room to change the offer, since both Macys & the cosmetic company have to budget and agree on your salary.Accepted OfferPositive ExperienceEasy Interview
- The phone interview with any Estee Lauder companies is called "Talent Plus" it is a little unnerving the structure is that they ask a question and don't converse at all you feel like you're talking to yourself until they ask the following question. Answer Question
2 people found this helpfulApplication Details
I applied online. The process took 6 days - interviewed at Macy's in May 2013.Interview Details
Very pleasant interview. Manager was engaging,. Sincere and interested in who I am and what I could contribute. He was extremely polite and attentive without being pretentious. Interview asked appropriate questions
Odviously very intelligent with knowledge of the products in hie department.Interview Questions
Negotiation DetailsVery straightforward . Professional, not a lot of unnecessary chatter.Accepted OfferPositive ExperienceEasy Interview
- Questions were easy and to be expected for retail job. Answer Question
- Application Details
I applied online. The process took a day - interviewed at Macy's.Interview Details
Mainly asked what my working hours were and if I had any sales experience. Nothing too hard.Interview Questions
Declined OfferPositive ExperienceEasy Interview
- Tell me about a time when someone you worked with did something you knew was wrong, how you handled it, and what was the outcome? Answer Question
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I applied online. The process took 3 days - interviewed at Macy's in June 2013.Interview Details
Interview process went very smoothly. I applied online and with-in a few days received an email saying they were interested in me. From there, I set up a date to go in and interview with the manager of the men's department. The interview took less than an hour and was hired on the spot. I was asked different questions about how I could benefit the company/increase sales, how I would react in different situations, etc. From there, they put me into a 3 day intensive training course on how to treat others and how to work the register. Overall, it was a very educational experience.Interview Questions
Accepted OfferPositive ExperienceEasy Interview
- When dealing with a difficult customer, how would you remedy the situation? Answer Question
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interviewed at Macy's in April 2014.Interview Details
Applied online and received an email for me to schedule my interview date and time (5.30pm). Went to the Macys office 15 mins early and spoke to some kind of a supervisor , it took us 15 mins to finish the interview and go the offer but when I asked the wage :(.Interview Questions
Reasons for Declining
- its just basic, common sense and more on for customer service. Answer Question
minimum wage..Declined OfferPositive ExperienceEasy Interview
- Application Details
I applied online. The process took 2+ weeks - interviewed at Macy's in November 2013.Interview Details
After applying online, I received an e-mail saying I would be contacted soon. I was then allowed to go into a scheduling program and choose an interview date and time. I then got a confirmation e-mail. Arriving early, I waited in a rather shabby waiting room. And then an HR person came out and brought me into an office. She looked at my resume, asked me questions, left the room for about 5 minutes and then offered me a position.Interview Questions
Negotiation DetailsShe made an hourly wage offer, and is accepted.Accepted OfferPositive ExperienceEasy Interview
- What is your philosophy of selling? View Answer


text:
Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
POUR fudge topping into medium bowl. Whisk in 1 cup COOL WHIP. Add dry pudding mix; stir 2 min. Stir in chopped cookies.
ARRANGE 4 ice cream sandwiches, side-by-side, on 24-inch-long sheet of foil; top with half the COOL WHIP mixture. Repeat layers. Top with remaining sandwiches. Frost top and sides with remaining COOL WHIP. Bring up foil sides; double fold top and ends to loosely seal packet.
FREEZE 4 hours or until firm.


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The creator of The Sopranos said at James Gandolfini's funeral that the actor brought the traits of a sad boy, "amazed and confused," to the role of Tony Soprano.
"You were a good boy," David Chase said Thursday at the ceremony at New York's Cathedral Church of Saint John the Divine.
Chase gave his remarks in the form of a letter to Gandolfini. The actor's widow, Deborah Lin, and two family friends also spoke.
Chase remembered that Gandolfini once told him that "you know what I want to be? A man. That's all. I want to be a man." Chase said he marveled upon hearing that, since Gandolfini was a man so many others looked up to.
Chase added that, paradoxically, he always felt that in Gandolfini he was seeing a young boy as well as a man. "A sad boy, amazed and confused," he said. "You could see it in your eyes. That's why you were a great actor."
Fellow actors were among the mourners, along with members of the public who wanted to salute Gandolfini's work.
Those from The Sopranos included Edie Falco, Joe Pantoliano, Dominic Chianese, Steve Schirripa, Aida Turturro, Vincent Curatola, Tony Sirico, Lorraine Bracco and Michael Imperioli. Another former cast mate, Steve Buscemi, chatted with Dick Cavett before the ceremony started. Others from the acting community included Julianna Margulies, Alec Baldwin, Chris Noth, Marcia Gay Harden and Steve Carell.
Some 1,500 seats had been set up in the huge sanctuary. A private family wake was held for the actor Wednesday in New Jersey.
James Goodness, a spokesman for the Newark Archdiocese, told The Bergen Record he believes Gandolfini's family has a plot at Maryrest in Mahwah, N.J., but it is unclear where the actor will be buried.


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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"Loved how I was able to personalize my thank you card with pictures from my wedding. They look so professional and beautiful!"
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Index Funds: The Investment Answer?
Published on - November 30th, 2010 (Modified on - December 2nd, 2010) (by J.D. Roth)
Yesterday, GRS reader Mike Robertson sent me a New York Times article about Gordon Murray, the author of a new book called The Investment Answer.
Mike writes, "I'm at a point in my investing life where I disagree with the guy, but what an interesting, compelling story." (For reference, last year Mike shared a guest post about direct stock purchase plans.) What is this interesting, compelling story? It's about how Murray, who used to work for Goldman Sachs, Lehman Brothers, and Credit Suisse Fist Boston, has abandoned the prevailing paradigm of active investment management and now, as his dying act, has made it his mission to educate people about the virtue of index funds.
What are index funds?
Because it's been a long time since I wrote about index funds, let me briefly cover the basics for newcomers. As you probably know, mutual funds are collections of stocks. They're like baskets containing many eggs. If one of the eggs breaks, it may cause a bit of a mess, but there's no reason to panic, because you have lots of other eggs from which to choose. This practice is known as diversification. And contrary to your intuition, owning many stocks instead of one stock not only decreases risk, but also increases returns.
Index funds take diversification to an extreme. Index funds are mutual funds, but instead of owning maybe twenty or fifty stocks, they own the entire market. (Or, if it's an index fund that tracks a specific portion of the market, they own that portion of the market.) For example, an index fund like Vanguard's VFINX, which attempts to track the S&P 500 stock-market index, tries to own the stocks in its target index (the S&P 500, in this case) in the same proportions as they exist in the market.
So what?
Well, because indexed mutual funds base their investments on numbers and not on intuition, they require very little human involvement. Nobody's making the buying decisions. Computers are able to track market movement and then re-balance the fund as needed. This means that index funds have very small expense ratios. That is, they don't cost very much to operate. Over the long term, these low costs mean owners of index funds earn (or keep) more money.
Do index funds always come out ahead in a given year? Not at all. In fact, they're usually in the middle of the pack. By definition, index funds produce an average market return — no more, and no less.
However, over the long term — ten years, or twenty, or thirty — a remarkable thing happens. Index funds float to the top. It turns out that average performance in the short term is actually above average in the long term. Some mutual-fund managers are able to out-perform the stock market for a year or two, but they're not able to do this for a decade. In fact, over long periods of time, actively-managed funds tend to underperform the market.
Part of this is because — Warren Buffett aside — nobody can reliably pick winning stocks year after year. But the biggest reason index funds outperform actively-managed mutual funds over the long term is this: Index funds are cheaper. The average mutual fund has an expense ratio of about 2%. That is, for every $100 you have invested in the Magnificent Brothers' Growth Fund, you're paying a $2 fee every year. Index funds charge just 0.20% (or less!). Over time, this difference is huge.
In fact, over and over, academic studies have shown there are two things that most influence individual investment returns: expense ratios and investor behavior. Keep your expenses low and you're more likely to achieve above-average results. And stop trying to time the market!
Further reading
But don't take my word for it. If you haven't made the time to read up on index funds, start by reading the New York Times article about Gordon Murray's legacy. Then head to the public library and pick up a book by John Bogle or William Bernstein or Daniel Solin. Or take the time to browse past GRS articles, such as:
- Are index funds the best investment?
- An introduction to index funds and passive investing
- The index fund wins again
- Index funds: Why choose anything else?
I haven't written about investing much lately because my investing habits are boring. I no longer have the urge to beat the market. I don't have to prove I'm better than everyone else. I've read dozens of investment books, many of which come to the same conclusion as The Investment Answer. I'm persuaded. Though I may not write much about investing, I'm doing plenty of it. But all of my money is pumped into index funds. And I never touch them.
This article is about Investing
Index funds appear to be a great option for many individuals.
I'm always interested to learn about a different type of investment. I think one of the most important things to do as an investor is to actually look at your portfolio once in a while. You might contribute to the company 401(k), but if you never look at your progress, the future will be bleak.
The market is dynamic and requires action.
It irks me that index funds are getting a bad rap because they "haven't moved in 10 years." 10 years is hardly long term, and that's when (like you said) they rise to the top.
Long live index funds!
I believe every investor should start out with a solid base of index funds. This will give your portfolio an anchor point and once you learn more about investing, it'll be easy to branch out into other funds and individual stock.
Preach it, brother!
We've also moved FROM individual stocks to indexes over time as we learn more about investing.
Other things to think about:
Fees (some index funds are more expensive than others for the SAME INDEX)
Rebalancing (you can get out of whack if specific indexes do better than others over time if you are diversifying using different indexes)
ETFs (if index funds are not available, these may be a viable alternative)
I think you meant that Index funds charge just 0.2%, not mutual funds.
John Bogle (the founder of Vanguard) wrote a fantastic book on this topic: "The Little Book of Common Sense Investing." I highly, highly recommend it.
The truth is, the entire financial services industry is built upon the idea of convincing people that they can beat the market. And yet, they all take their fees as a percentage of the amount invested, and not as a percentage of your gain (excluding exotic hedge funds unavailable to anyone reading this).
Why is that?
They sit there, encouraging you to buy and sell stocks, convincing you that you can beat the market, but when it comes down to their compensation, their true colors show. They take a percent off the top, rather than the gain. With actively-managed mutual funds, that's a flat-out admission that they're not even confident in their own ability to invest your money!
They advertise with posters saying "Acme Bank's Endeavor Fund earned 14% last year!" But when you invest in that fund, they take 2.5% of your investment, rather than tie their compensation to their professed ability to continue generating such stellar returns. That should be VERY telling to anybody considering investing in such funds.
The financial services industry wants you to trade, because that's how they make their money. They charge you fees, commissions, and loads, but their entire compensation model is totally insulated from the performance they're able to generate with your money. Why? Because they KNOW they can't beat the market consistently. They'd rather take a guaranteed 2% than take a chance at taking half your gains (because those gains could just as easily be a loss).
Follow the money, folks.
I would also agree with Nicole's comments and would emphasize the importance of looking further into index ETF's. Not just as an alternative but possibly as an addition and/or integral part of your portfolio.
FYI, institutional index funds inside of qualified plans often have the lowest on-going expenses. For example, VFINX is the S&P 500 for individual Vanguard customers and it has an expense ratio of .18%. VINIX is the Vanguard S&P 500 Institutional Index and it has an expense ratio of .05%. If you can access these instituional index funds without incurring additional plan fees you can cut your annual expenses even more.
I've actually been burned by a financial advisor..nothing says incompetent like under performing the market in 2009. That's pretty hard to do.
I fired him and went to mutual funds. A good chunk is in the S+P 500 vanguard fund and I couldn't be happier.
The math is simple. Each index fund produces its market's return (the average) before fees. Because the cost to participate in indexing is lower, the average dollar that is passively invested via indexing outperforms the average actively managed dollar. Case closed on the "only being average" argument.
By the way, many of the brightest advocates of indexing that I know are Wall Street converts like Gordon Murray. The fact that this fellow is spending his remaining months trying to save investors real money makes him a hero in my book.
For 95% of the population, index funds are the way to go. However, I chose to invest in individual stocks. Quite simply, I believe that I can do better than an index fund. If in 5 years I look back and that's not true – then I will gladly change my tune. I wrote a post on why I chose individual stocks rather than index funds here:
One advantage of index ETFs over mutual funds is that in a down market you can sell covered call options on your ETF brining in a nice little extra return – anywhere up to 2% a year.
I am also an ex-Wall Streeter.
Completely agree, over time study after study has shown that index funds produce higher returns with lower volatility (that is, less bouncing around – the statistical measure of risk) than actively managed funds, with lower hassle (not just costs). You don't even need an advisor, just a low-cost brokerage account and some routines/self-discipline.
I agree, it's best to check your portfolio regularly. One hint: in most cases, it is cheaper to "rebalance" by shifting where you invest new money, not by selling and moving existing holdings.
That is, if your target is 40% bonds and 60% stocks, but bonds have outperformed stocks so your actual current balance is 50% bonds/50% stocks, it may make more sense to temporarily boost the dollars you invest in stocks (and trim or even eliminate for a short while the money you put in bonds) until you get back to 40% bonds/60% stocks.
That way you don't have to pay any extra fees (in this case, fees to sell some of your bond holdings, and purchase stocks) vs. what you would normally pay.
In practice, rebalancing more than once a year is usually overkill, and shifts of less than 5% in either direction (some argue 10%) are not necessarily a compelling reason to rebalance.
"I've actually been burned by a financial advisor..nothing says incompetent like under performing the market in 2009. That's pretty hard to do.
I fired him and went to mutual funds. A good chunk is in the S+P 500 vanguard fund and I couldn't be happier."
The difficulty of outperforming the market has nothing to with state of the market, i.e. a bull or bear market does not change the odds of outperforming. It's always an equally hard thing to do!
I'm a financial advisor and my investment advice will never out perform markets, ever. I say, get as close as you can by using ultra low-cost index funds.
Guess what…Vanuard 500 fund has underperformed the S&P 500 in bull markets too. But thats not a bad thing either.
I try not to comment just to point out typos, but I can't get past this sentence – "but also to increases returns"
The Bogleheads' Guide to Investing is the single best-explained "encyclopedia" of basic investment options that I've come across, and they go into great and clearly-explained detail about exactly why Index funds are better for your wealth.
Charles D. Eliss makes a compelling case for index funds in his book "Winning the Losers Game".
I also liked "Winning the Losers Game"!
I also suggest "What Works On Wall Street" — check this out at the library, it isn't really a book to read but an overview of several hundred investing strategies.
Actually, Warren Buffet hasn't done so well lately.
I don't like index funds for a couple reasons:
1) you are guaranteed to hold losers too long
2) when people hear index fund they think "I'm diversified!", but almost 20% of the VFINX fund linked above is made up of 10 stocks
3) sometimes you can actually get lower expenses buying individual stocks or ETFs
You don't have to beat the market to be a successful investor. "Beat the market" is one of the biggest scams perpetrated on investors of all time. It's an easy little phrase to say, so people parrot it like some sort of gospel. It turns investing into a zero-sum GAME, which it most definitely is not.
You only HAVE to beat inflation, which is generally pretty easy to do. The other thing you should do is have a plan and follow it. If your plan for retirement includes only having to average 4% growth over 30 years, you've got a statistically excellent chance of making it, even if you don't beat the market. If your plan includes having to average 10% growth over 30 years, there's a chance you may not make it, even if you beat the market every year. I recommend fee-only advisors (like Dylan, above) but if he starts talking about beating the market, walk away.
But back to indexes: Malkiel explains in surprisingly easy-to-understand detail how a basket of risk-diversified stocks rapidly approaches the market portfolio, thus arguing in favor of an index fund. He also points to several studies that show how trading activity reduces returns time after time, also arguing in favor of an index fund.
J.D. I think you meant to say *index* funds charge 0.2% (or less!) , not *mutual* funds.
@matt ward:
"One advantage of index ETFs over mutual funds is that in a down market you can sell covered call options on your ETF brining in a nice little extra return – anywhere up to 2% a year."
That's only one side of the coin. Those options may be exercised and you may have to give up stock below market value, or you may only be able to close them out at a loss, either case costing you anywhere up to 2% a year or possibly more. The options market prices itself to eliminate the kind of easy money you're describing.
"but if he starts talking about beating the market, walk away."
Unless it in the context of why it's not even worth trying.
Note that the book is already sold out on Amazon.com. People are paying attention to these ideas.
This is a great topic to be discussing. Just to be upfront, I am an investment advisor. There are many things that I have learned about investments. The first is if it seems to be to-good-to-be-true, then usually it is. People always try to get into and out of investments because they have a feeling, or because of some anecdotal evidence. There is always someone who will do better than the market, but the question is out of the over 65,000 mutual fund available worldwide (see the ICI Fact Book) what are the odds that you will pick the manager that actually beats their respective market that year? The way most people do this is looking at the manager's track record. Will they be able to do it again? Perhaps, but over a long period of time, statistically speaking it will not be repeated. Market timing is another problem investors have. That is the idea that you can get into the market before there is a run up, and out of the market before it goes down. The problem is that with the availability of the internet, there is so much information that any new piece of information is quickly reflected in any price of the stock. So what a person would be doing is "predicting" what will happen next without knowing. What someone needs to know about investing is that stock picking, market timing, and track-record investing is harming them more than helping. Have a life long game plan. The use of index funds is a great way to completely destroy those destructive habits. What you really need to know is how much volatility, or what the really smart people call standard deviation, is in your portfolio and whether it is too much or not enough. That is where asset allocation comes into play. Know what you own and know why you own it!
26I'm on the no-brainer plan. Age as percent in Total Bond Index fund, The rest as Stock Index Fund. Reinvest all returns. Sure, I could spend time trying to get ahead, just like that guy who swerves in an out of lanes. But we all sit at the stoplight eventually. Sit back and recognize that an extra .5% return won't make you any happier than taking that time to head to your nearest park.
After once having to sue a financial planner and then having one that charged big fees while giving little attention to my little portfolio, I now manage everything myself. From the research I have done, I am a believer in Index Funds.
I have two index funds: one for my stocks and one for my bonds. I rebalance every quarter if necessary, and just add to those accounts.
A short book with a lightbulb on the cover promoting the use of index funds? I suspect I'll like it!
My two problems with index funds.
1) They are passive. I know people who got severely burned in the 2007-09 bear from complacent investing.
2) When I buy an index fund, I'm tied to every stock in the index. If I only would consider 50 of the 500 suitable for further review, why would I want an index fund.
Separately, the srticle slants perception by stating 2% for fees. If they shop around, investors can easily get far lower fees.
Passive investing is an important topic to revisit on a regular basis. Great job, JD!
I'm a CFP(R) and fee-only investment advisor. Since I started my own business four years ago, I've been shifting clients to index funds and ETFs. My reasoning is that the greatest determinants of a given portfolio's performance are asset allocation and expenses.
Even the greatest investments, combined with poor allocation and high expenses, will lose to a well-diversified portfolio of index funds.
The talk about a "lost decade" and "buy and hold is dead" is media noise directed at the one-fund strategy.
A passive strategy, given a decent allocation, is often better than an active strategy to beat the market. That's not to even speak about the time saved in using the passive strategy!
The advisor who wrote the book, The Investment Answer, is simply exposing the financial services industry for what it is–a sales-centered environment that makes more money using active investing strategies…
I love index funds. I have lost money in individual stocks, and I just sleep better at night knowing I am spreading the risk around.
Yep love index funds. When folks talk about the market doing nothing for 10 years they are usually talking about the SP 500. But if you've diversified into non-correlating Indexes such as REITs and assorted bond funds you've made out okay the last 10 years.
Aside from Bogle, Bernstein (highly recommended)and Zweig, here's another resource for the uninitiated…
Brent's analogy of the driver swerving in and out of traffic to get ahead is BRILLIANT.
A great explanation for risk and return
Our retirement dollars are mostly in index funds and bonds. We have just recently begun investing non-retirement dollars in ETF's (Agricultural and Oil). I'm glad to see them mentioned here. At this point, they're a very small part of our non-retirement savings(less than 2 percent), but I'm not completely sure I understand them and would really appreciate an in depth discussion. I just figured they're a good hedge against inflation.
Mom of five – I am glad you asked for clarification about commodity based ETF's. As I mentioned before, you definitely need to know what you own and why you own it. Commodities are perceived as an effective hedge for inflation because their returns are positively correlated with inflation. Basically that means commodity prices, like oil and gold, typically move in the same direction at the same time. BUT, commodity prices are much more volatile than stocks are. Unlike stocks, commodities do not generate any future earnings or create business value. So, it is a type of speculation of where prices will be in the future. When you invest, you need to understand the risk that is associated with that investment. That is called standard deviation. The question would be is that investment increasing the risk in your portfolio and are you OK with that? If you have a broadly diversified portfolio, you will own companies that make, refine, or distribute those commodities. So essentially you already have exposure to those types of "hard assets." I hope that helps!
Another typo… Credit Suisse "First" Boston (yeah, I know, sorry also to be a pain)
I prefer mutual funds that are income funds: that is, funds that pay a monthly dividend. These tend to be fairly heavily weighted in bonds and therefore tend not to increase or decrease in value as quickly as more heavily stock weighted funds. The added benefit is that you can truly take advantage of dollar-cost averaging if those dividends are reinvested. Of course, I still have SP500 and Russell 2000 index funds, but as more of side dishes than the main course.
When google employees became millionaires, all the financial experts told them to invest in index funds. I think industry specific "index" funds is like picking individual stocks.
buy-and-hold is outdated though. You can use an index fund to ride the ups for a few years, but long-term, that is not great.
For example, if you invested in SPX in 1999, you would have a few years of up and a few years of down. If you blindly stayed in the whole time, you would just now be breaking even again:
Great read! I love to browse your blog in that little free time I get.


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"One is spared from having to think."
What's Liberating about Islam? – by Rita Karlsen
December 3, 2009 by 47 Comments
September 30th, 2014
Los Angeles, CA
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November 13th-16th, 2014
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Obama's hot air coalition (after 6 years of creating the vacuum ISIS has filled). frontpagemag.com/2014/dgreenfie…
My latest salvo in the Washington Times. washingtontimes.com/news/2014/sep/…
Time for Americans and Muslims to understand that the problem is Islam: frontpagemag.com/2014/david-woo…


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- Nthabiseng Sibaca
- Johannesburg, Gauteng
- South Africa
Supply chain consultant,
This conversation is closed.
What is the biggest challenge that you feel your country if facing?
Be it political, societal,religious tell us what problems you feel your country is facing currently or is heading towards.
Showing single comment thread. View the full conversation.
Avi DeyApr 11 2013: This is a great question. Thank you. I know about America as I have studied this climbing on shoulders of great minds.
But there is always short term and long term.
(01) on Short Run, strengthen and reform the financial system to avoid a disaster of a Wall Street meltdown that also effects many other nations. Natural disasters as well as man made disasters are at issue.
(02) Strengthen education such as that kids are motivated to invest in themselves for careers of the future. Non-Cognitive skills such as creativity and artistic elements such as drama are just as vital as cognitive skills such as measured by SAT test that all high school students know.
(03. Pruse the 4 Pillars of Philosophy at community level at Hometown USA__Humanity, Peace, Justice and Dignity via arts and science bridge. There are tools and skills that are available now , for example this social network, TED and there are others. But wisdom and humility are required and not political rhetorics.
Showing single comment thread. View the full conversation.


text:
Someone on another thread mentioned a simple honey mask for smoothing skin texture - just smearing warm honey on your skin for 30 minutes and then cleaning it off. I really like that idea (I've got hella rough skin), but was wondering if it would seriously clog pores. I have the thought that you should use a gentle cleanser afterwards.
Are there any good websites for reliable (and household ingredients - no exotic oils or eye of newts for me!) homemade masks?
Also, if you are allergic to a certain food (avavadoes, in my instance), would they be dangerous to use in a face mask?
Question About Homemade Masks
Started by Elsewhere, Mar 11 2005 02:56 PM
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Follow MassDOT on Twitter
Official Tweeting from Mass. Dept of Transportation (MassDOT). Tweets ending in JM from MassDOT Secretary/CEO Jeffrey Mullan
Subscribe to MassDOT
On the Trans Blog
MBTA: Faster, Easier Parking
The MBTA this week announced a simpler system for parking lot payments that will allow everyone from daily commuters to visitors to use their mobile phones and an online account to pay for parking at MBTA lots.
Beginning July 23rd, customers parking in MBTA-owned and operated lots with existing cash honor boxes will be able to pay for parking online or via phone while in their cars or once they board a train, bus, or commuter boat.
As part of a new partnership with Parkmobile USA, customers can visit www.parkmobile.com and enroll in the new program for free, and have access to their on-line accounts 24 hours a day/7 days a week. T riders can also download a mobile app.
Green Line Extension Work Group Announced
MassDOT today announced the members of a newly formed Working Group to assist the agency and the MBTA with issues related to Green Line Extension station design, general construction, and other community concerns.
Eighteen people were chosen from among more than 100 people who applied in response to an invitation from MassDOT and the MBTA. They represent the full length of the Green Line Extension corridor and also include MBTA, MassDOT, cities of Cambridge, Somerville and Medford and Tufts University representatives.
MassDOT Safety Messages Go Digital
MassDOT has partnered with five Outdoor Advertising companies currently participating in MassDOT's Office of Outdoor Advertising Digital Advertising Pilot Program. All five participants have agreed to air Public Service Announcements on their boards as space is available.
The Road to Reform
MassDOT Partnerships: Visitors Centers Reopen for Tourist Season
The Patrick-Murray Administration this week announced the reopening as of July 1 of Visitor Information Centers in Greenfield and Salisbury. The Maria Miles Visitors Center on I-95 in Salisbury reopened permanently. The Salisbury Visitors Center will be open between the hours of 8AM to 6PM. MassDOT will provide operational and utilities funding support for the Center and funding from the Regional Tourism Council will support the Center's staff.
The Maria Miles Visitors Center receives up to 500,000 visitors per year and is one of four Massachusetts Visitors Centers reopening this summer.
The Greenfield Visitor Information Center, accessible from both Interstate 91 and Route 2, will be open from 9 a.m. to 5 p.m. through October 31. MassDOT will provide operational and utilities funding support for the Greenfield Center and funding from the Franklin County Chamber of Commerce will support the Center's staff.
The Greenfield Visitors Center receives up to 90,000 visitors per year.
The Visitors Centers in Mansfield on I-95 Northbound, seen above, reopened May 28 for the remainder of the year through a partnership with the Plymouth County Development Council.
The Route 25 Eastbound Visitors Center in Bourne reopened in late May and will be open weekends through Labor Day.
RMV To Open New Southbridge Branch
Lieutenant Governor Timothy Murray and MassDOT Registrar Rachel Kaprielian hailed this week's vote by the Southbridge town council to enter into an agreement to open a new RMV branch at the Casaubon Senior Center. Through this local and state partnership, the city will provide lower cost space for the new RMV office, which supports the administration's transportation reform efforts to increase savings and improve customer service. Additionally, the new RMV expects to create more foot-traffic in the area, likely boosting the town's efforts to revitalize the downtown business district.
The new Southbridge branch to open by early fall will occupy 2,100 square feet in the Casaubon Senior Center and will offer all license and registration services. It will be open Monday through Friday from 9:00am to 5:00pm.
To address severe budget constraints and reduce private leasing costs, the RMV closed eight branches including the branch in Southbridge. To minimize the impact on customer traffic, the RMV is working with sister transportation agencies, municipalities and local delegations to locate new branches in rent-free public spaces.
Registrar Kaprielian said the new Southbridge branch should help moderate customer traffic in Worcester which saw increased demand for service since the previous Southbridge branch closed.
MassDOT RMV Division serves more than 4.6 million drivers at 30 branch locations and online at www.mass.gov/rmv. In the past two years, the RMV has added more than a dozen internet transactions to the website enabling customers to apply online for a first time license or convert an out-of-state license and then schedule a branch appointment; renew a license, ID, and registration; order a driving record, police crash report and Fast Lane transponder; view the status of a license, registration, driver education certificate and title; sign up for a license renewal reminder and organ donation as well as cancel a registration plate.
MBTA Bus Route 28 Improvements
As part of the Patrick-Murray Administration's commitment to strengthening public transit in the Roxbury-Dorchester-Mattapan neighborhoods of Boston, the MBTA has moved forward with transit improvements along the Bus Route 28 corridor from Mattapan Square to Ruggles Station via Dudley.
Responding to high ridership and overcrowding on the 5th busiest bus route in the system, the MBTA rolled out 25 new hybrid 60 foot buses on Route 28 Saturday, June 26. The longer buses are made possible as part of the T's $30.7 million investment in ARRA stimulus funds to purchase new hybrid buses. The buses have approximately 50% more seats and are hybrid electric powered, resulting in cleaner exhaust, quieter engines, and improved fuel economy. A three door feature will allow customers to board and depart easier and quicker.
The entire Route 28 bus fleet, including 15 40' buses, will be replaced with new 60' vehicles. The current bus operating schedule along this route will remain unchanged. To enable the longer buses to fully pull up to the curb, many bus stops along the route will be lengthened. At some bus stops, this may result in the temporary removal of approximately 1 -2 automobile parking spaces.
Other upcoming projects improving transit throughout the Route 28 corridor include a MassDOT and MBTA Roxbury-Dorchester-Mattapan Transit needs study that will identify short and long term opportunities to improve transit service in the study area, along with MBTA's Key bus route program implementing Route 28 corridor improvements such as stop consolidation, new shelters, traffic signal priority, and queue jump lanes. The first phase of these improvements will begin by Fall 2010. Station improvements at Dudley and Mattapan Square will occur early next year.
July 4 Holiday Travel Tips
As the July 4 holiday weekend approaches, MassDOT has several resources available to assist motorists. Before you travel, check the interactive Traffic Cameras web page for live looks at current traffic.
Drivers may sign up for the 511 traveler information service to receive alerts via email, text or telephone. Drivers can access the new service by dialing 511 on their cell phones or logging onto www.mass.gov/511 to register and receive personalized updates. MassDOT reminds drivers to avoid using their cell phones while driving and encourages travelers to call into the 511 service before they leave.
Drivers are reminded to travel safely and avoid distracted driving such as using cell phones. The National Highway Traffic Safety Administration has distracted driving information.
To save time, money and gas, motorists who have not yet done so are encouraged to join FAST LANE to avoid waiting in line at cash toll booths.
Free coffee will be served at the 18 MassDOT service plazas from 10 pm Sunday, July 4, through 5 am Monday morning, July 5. The plazas serving free coffee include 11 service plazas along I-90 plus plazas along Route 3 in Plymouth, Route 128 in Beverly, Route 128/I-95 in Newton and Lexington, Route 6 in Barnstable, and the Route 24 northbound and southbound plazas.
MBTA July 4: Fares Free After 10:30PM
The MBTA is prepared for the July 4 festivities with an increase in service for the thousands of people traveling to and from the Esplanade. Along with more service, bus, subway, and commuter rail fares will not be collected from 10:30 p.m. to the end of service on Sunday, July 4.
With the increase in service and addition of T personnel and Transit Police prepared to help customers to their destination, MBTA General Manager Rich Davey said, "I am encouraging people to take public transportation to the esplanade. The T is the most efficient, safest, cost effective way to get to one of Boston's busiest holiday celebrations. Be smart and leave the driving to us."
Below is the MBTA's operating schedule for Sunday, July 4 and Monday, July 5.
Visit the MassDOT blog for more information: http://transportation.blog.state.ma.us/blog/2010/06/mbta-july-4-fares-free-after-1030pm.html
MassDOT Board July Public Meeting
The Massachusetts Department of Transportation Board of Directors will hold its next public business meeting on Wednesday, July 14, 1:00pm, in Lowell. Going forward, the MBTA Board will meet first at 1pm, followed by the MassDOT Board. All meetings are open to the public.
The meeting schedule is available on the MassDOT website.
|© 2010 Commonwealth of Massachusetts.


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Hey guys, I wanted to know what drop-leg hard holsters the KP45 tactical is compatible with. I know blade tech can make a custom usp tactical holster, but I am not sure I want to spend $120 or so if I have other options. I have heared the G-Code holsters for USP.45 will work with the tactical models, but I would like confirmation. I am also aware that they will not work in serpas, but what about safarilands? I appreciate any help I can get! Pictures would be awesome as well!
KP45 Tactical Holster Compatibility
Started by LongshotNC , Jun 12 2012 01:08 PMusp tactical kp45 tactical holster usp holster usp tactical holster hard holster kydex holster g-code safariland
4 replies to this topic
Posted 12 June 2012 - 01:08 PM
Posted 12 June 2012 - 01:33 PM
My friend used a standard USP holster for his tactical.. but he had to shave down the front sight.
Posted 13 June 2012 - 12:01 PM
The USP tactical will fit into a Blackhawk Serpa if you replace the tactical Hi front sight with a USP low original sight. I replaced my USP tactical front sight and fits perfectly into the Serpa.
Posted 27 June 2012 - 10:47 PM
Just saw this post..hopefully Im not too late, but the Gcode XST holster for usp full size fits the USP tactical hi-sights with minimal rub an no need for modification. I love my xst.
Posted 01 July 2012 - 10:08 PM
I use a Blackhawks Serpa for a USP. My tactical wouldn't fit of course so I took a file and thinned out the places where the front sight rubbed. Now it fits perfect.
Also tagged with one or more of these keywords: usp, tactical, kp45 tactical, holster, usp holster, usp tactical holster, hard holster, kydex holster, g-code, safariland
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Rocket Valve O-ring Mod
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Product Description
- 250mm length
- Full-color graphics
- 100% Carbon fiber tube
- Forged head with infinite angle adjustment
Review Options: Sorted by Latest Review | Sort by Best Rating
|Reviews 1 - 4 (4 Reviews Total)
User Reviews
Date Reviewed: January 26, 2011
Strengths: Light, looks nice
Weaknesses: Clamp does not hold seat in place
Bottom Line:
Expand full review >>
Duration Product Used: 3 months
Price Paid: $45.00
Purchased At: trailhead
Similar Products Used: carbon post with traditional clamp, thudbuster, stock posts
Bike Setup: hardtail with suspension fork
Date Reviewed: November 10, 2009
Strengths: Very light.
Adjustable head.
Strong clamp.
Very good quality
Weaknesses: None thus far....
Bottom Line:
Expand full review >>
Duration Product Used: 3 months
Price Paid: $65.00
Purchased At: EBAY
Similar Products Used: Only stock posts.....
Bike Setup: Gary Fisher Big Sur
Judy XC
Date Reviewed: May 27, 2008
Strengths: It is pretty to look at.
Weaknesses: The seatpost binder does not hold the saddle no matter how much you torque the bolt. Hit a bump, your seat will come nose up to 45 degrees and wack you in a very bad spot. Had a friend buy the same seatpost on same bike, same problem...
Bottom Line:
Expand full review >>
Duration Product Used: Less than 1 month
Price Paid: $100.00
Purchased At: Bicycle Outfitter
Similar Products Used: Easton, Thomson
Bike Setup: Gary Fisher Superfly
Date Reviewed: June 24, 2007
Strengths: - very light
- strong
- looks great
- durable
- reliable
Weaknesses: - the seat POST has a little problem staying in place
- pricey
Bottom Line:
I have had this seatpost for almost a year and it has held up great. The carbon-fiber post has stayed strong and the clamp never budges. It looks really good and saves a ton of weight compared to other seatposts. For the type of riding I do, it has done perfectly and I would recommend it to any downhiller looking to save some weight. I know they are pricey, I just got lucky and took it from my dad ><
Get one if you have the funds and the need to save some weight!!
Expand full review >>
Duration Product Used: 1 Year
Bike Setup: SWD Crazy 8
|Reviews 1 - 4 (4 Reviews Total)
Review Options: Sorted by Latest Review | Sort by Best Rating
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BU 5120 - Financial Analysis and Decision Making
Credits: 3
A complete corporate financial management course. Content covers the classic areas of valuation, capital structure and budgeting as well as more specialized financial topics. Online version incorporates online course materials and exercises. Prerequisite: BU 5190 or permission of the instructor.
*All course information is from the 2013-2014 Catalog.


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Fall 2014 Online Registration Now Open
The Fall 2014 Online registration is now open. Use the "Online Registration - Fall 2014" Link on the left side of the page to register. [+]
2014 SPLOST Survey-Important
SPLOST surrvey information/link [+]
GYSA/ Excel Approved Cheers!!!
Official list of approved cheers for GYSA/ Excel games. Plus other information that will benefit our members. [+]
- Tyus Park- 9/22/2014


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gabapentin enacarbil, Horizant
Pharmacy Author:
Omudhome Ogbru, PharmD
Omudhome Ogbru, PharmD
Dr. Ogbru received his Doctorate in Pharmacy from the University of the Pacific School of Pharmacy in 1995. He completed a Pharmacy Practice Residency at the University of Arizona/University Medical Center in 1996. He was a Professor of Pharmacy Practice and a Regional Clerkship Coordinator for the University of the Pacific School of Pharmacy from 1996-99.
Medical and Pharmacy Editor:
Jay W. Marks, MD
Jay W. Marks, MD
Jay W. Marks, MD, is a board-certified internist and gastroenterologist. He graduated from Yale University School of Medicine and trained in internal medicine and gastroenterology at UCLA/Cedars-Sinai Medical Center in Los Angeles.
GENERIC NAME: gabapentin enacarbil
BRAND NAME: Horizant
DRUG CLASS AND MECHANISM: Gabapentin enacarbil is used for treating restless leg syndrome (RLS) and postherpetic neuralgia. It is a prodrug of the anticonvulsant gabapentin, which means it is first converted to gabapentin in the body before it can have its effects. The mechanism of action of gabapentin in treating restless leg syndrome (RLS) or postherpatic neuralgia is not known. Gabapentin structurally resembles the neurotransmitter, gamma aminobutyric acid (GABA). (A neurotransmitter is a chemical that nerves use to communicate with one another.) It is possible that this similarity is related to gabapentin's mechanism of action. In animal models used for testing the anti-seizure and anti-pain (analgesic) activities of drugs, gabapentin prevents seizures and reduces pain-related responses. The FDA approved gabapentin enacarbil in April 2011.
PRESCRIPTION: Yes
GENERIC AVAILABLE: No
PREPARATIONS: Tablets (extended release): 300, 600 mg
STORAGE: Gabapentin enacarbil should be store between 15 C to 30 C (59 F to 86 F).
PRESCRIBED FOR: Gabapentin enacarbil is approved for treating nerve damage from herpes zoster (shingles, postherpetic neuralgia), and restless leg syndrome.
DOSING: Gabapentin enacarbil should be taken with food. The recommended dose for postherpetic neuralgia is 1200 mg daily. The initial dose of 600 mg daily is increased after three days to the recommended daily dose. Gabapentin enacarbil is not interchangeable with other gabapentin products. Restless leg syndrome is treated with 600 mg once daily.
DRUG INTERACTIONS: Alcohol increases the amount of gabapentin enacarbil released into the body. Alcohol should not be used with gabapentin enacarbil. Combining gabapentin enacarbil with morphine significantly increases the occurrence of sedation and dizziness over either drug alone.
PREGNANCY: Safety in pregnancy has not been established.
NURSING MOTHERS: Gabapentin is secreted in human breast milk. Nursing mothers should only use gabapentin enacarbil if it is necessary.
SIDE EFFECTS: The most common side effects of gabapentin enacarbil are dizziness, somnolence, ataxia, fatigue, and drowsiness. Gabapentin enacarbil may cause significant driving impairment. Fluid retention, hostility, nausea and vomiting also occur. Other adverse events associated with gabapentin enacarbil include weight gain, joint pain, motion sickness, blurred vision, and viral infections.
Gabapentin enacarbil is converted to gabapentin, which is an anti-seizure medication. Anti-seizure medications have been associated with an increased risk of suicidal thinking and behavior. Anyone considering the use of anti-seizure drugs must balance this risk of suicide with the clinical need. Patients who are started on therapy should be closely observed for clinical worsening, suicidal thoughts, or unusual changes in behavior.
REFERENCE: FDA Prescribing Information
Medically Reviewed by a Doctor on 2/11/2014
Report Problems to the Food and Drug Administration
You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.
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text:
15 U.S. Code § 7709 - Study of effects of commercial electronic mail
(a) In general
Not later than 24 months after December 16, 2003, the Commission, in consultation with the Department of Justice and other appropriate agencies, shall submit a report to the Congress that provides a detailed analysis of the effectiveness and enforcement of the provisions of this chapter and the need (if any) for the Congress to modify such provisions.
(b) Required analysis
The Commission shall include in the report required by subsection (a)—
(1) an analysis of the extent to which technological and marketplace developments, including changes in the nature of the devices through which consumers access their electronic mail messages, may affect the practicality and effectiveness of the provisions of this chapter;
(2) analysis and recommendations concerning how to address commercial electronic mail that originates in or is transmitted through or to facilities or computers in other nations, including initiatives or policy positions that the Federal Government could pursue through international negotiations, fora, organizations, or institutions; and
Source(Pub. L. 108–187, § 10,Dec. 16, 2003, 117 Stat. 2716.)
References in Text
This chapter, referred to in subsecs. (a) and (b)(1), was in the original "this Act", meaning Pub. L. 108–187, Dec. 16, 2003, 117 Stat. 2699, which is classified principally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under section 7701 of this title and Tables.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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