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The Compound Return Marathon: Which Retirement Strategy Will Win?
Published on - April 2nd, 2008 (by J.D. Roth)
This is a guest post by G.E. Miller, head author of the personal finance blog 20-Something Finance. It's a nice companion to my article this morning about the extraordinary power of compound interest. Both articles are a part of Financial Literacy Month.
Before we fire off the gun to start the 'Compound Return Marathon', let's cover some basics on what compound returns are and why you should care.
What is compound interest?
You probably became familiar with the term 'compound interest' when you first started placing money in your bank accounts. Most of us recognize compound interest as the interest we receive from holding money in a savings account, certificate of deposit, or other low rate of return investment at the bank. Any form of compound interest is great, but this post isn't about avoiding depreciation in cash value by earning just enough to out-pace inflation with low rate returns (which is about all no risk interest accounts are able to do). Let's discuss a different type of compound interest.
Compound returns
When you purchase index or mutual funds, you are often asked what you would like to do with any dividend or capital gains disbursements from that particular investment's holdings. When you select that you would like to 're-invest', you are, in effect, compounding your returns. The same goes for dividend producing stocks. You are offered the choice of receiving your dividend in the form of a cash payout, or re-investing the amount into more stock.
Why should I care about compound returns?
When fully harnessing the power of compound returns, you can save less, make more, and retire early. There is sacrifice. You will need to start saving at a time when many of your peers are getting takeout food every night, leasing vehicles they can't afford, and buying all the latest tech gadgets. If you're in your 20′s or 30′s, this post should instill a sense of urgency in you. If you're a little older, you have some making up to do, but it's not too late. Additionally, maybe there's a young adult in your life whom you can help get off to a financial running start with the aid compound returns.
The Compound Return Marathon
Let's take a look at five different retirement strategies in the form of five hypothetical "marathon" participants (based on personas that we are all familiar with) and crunch some numbers to see who wins. Before we test the strategies, let's take a look at the rules:
- The average annualized rate of return for U.S. stocks was 13.4% from 1926 to 2000. The worst average annual rate of return for U.S. stocks in any 65 consecutive year period has been 8.5%. For this Marathon, let's take the average between the two, and assume our participants are able to get a 10.95% return on our investments every year for each participant that invests in stocks.
- Our conservative participant invests in a CD, which will earn 5%, compounded annually.
- For simplicity, we'll ignore taxes.
- Everyone invests until age 67, the projected official retirement age in the future.
And now, let's meet the participants:
- Early Bird Bob: Bob didn't follow the urge to blow his cash flow and 'make up for it later'. He has decided to follow his own rules to utilize the power of compound returns. He invests $5,000 per year in domestic stock funds (earning 10.95% annualized) starting at age 20, and stopping at 40. Because he sacrificed early, he's also able to stop investing 27 years before anyone else does.
- Conservative Carrie: Carrie invests $5,000 per year in certificates of deposit (earning 5% annualized) starting at age 20 until age 67. Carrie sees the value in compound interest and has the right idea in saving early. She could get a reward for her consistency, but the fear of a market crash paralyzes her willingness to invest in stocks.
- Live-it-up Larry: Larry invests $10,000 yearly in domestic stock funds (earning 10.95% annualized) starting at age 30. Larry discovered the power of compound returns after living it up in his 20′s, but regrets not discovering it 10 years earlier, so he is making up for it by doubling Bob's yearly contribution amount.
- Late bloomer Bill: Bill invests $20,000 yearly in domestic stock funds (earning 10.95% annualized) starting at age 40, until age 67. Bill has a high income job and is trying to make up for lost time with huge contribution amounts. He has downgraded from a Benz to a Lexus and cut back from three times a week at the golf club to two.
- Mid-life crisis Melissa: Melissa invests $40,000 yearly in domestic stock funds (earning 10.95% annualized) starting at age 50, until age 67. Melissa spent most of her money throughout life to impress her friends, but since they all left her because she was too materialistic, she now has a load of time to make extra income to apply towards retirement. Is it too late for Melissa?
You can view the results of the Compound Return Marathon in a free Google Doc. Here you can see how much each participant was able to amass up through age 67. Additionally, you can see how much money they personally contributed to their retirement efforts.
Here's how they finished:
- Early Bird Bob contributed $5,000/yr. for 20 years ($100,000 total contribution). His nest egg at age 67 is $5,938,625.
- Conservative Carrie contributed $5,000/yr. for 48 years ($240,000 total contribution). Her nest egg at age 67 is $940,127.
- Live it up Larry contributed $10,000/yr. for 38 years ($380,000 total contribution). His nest egg at age 67 is $4,644,805.
- Late bloomer Bill contributed $20,000/yr. for 28 years ($560,000 total contribution). His nest egg at age 67 is $3,168,398.
- Mid-life crisis Melissa contributed $40,000/yr. for 18 years ($720,000 total contribution). Her nest egg at age 67 is $2,005,735.
Now that the race is over, let's see what we've learned.
- You're better off starting late and taking risk than starting early and taking no risk. Being risk averse is dangerous in many ways. When looking at Conservative Carrie's results, you'll see that despite starting earlier than three other participants and investing every year, she wound up earning the least for retirement, in dramatic fashion. With that being said, starting early and welcoming a little extra risk can pay the biggest dividends.
- Even if you start extremely late (Melissa), you can still drastically impact your future. Despite investing only 18 years, Melissa is still able to triple her total contributions.
- Fully taking advantage of compound returns is your only opportunity to retire early. Take a look at all participants at age 50. Bob could realistically retire at age 50 and live off the interest, at least to get him up to retirement age and social security. None of the other participants stand a chance of retiring early.
- Compound returns are pretty darn powerful.Early bird Bob contributed much less than anyone else, and stopped contributing at age 40 (27 years before everyone else), yet ended up with over $1.3 million more than any other participant. He contributed much less, quit early, and still wound up beating everyone else easily. In fact, he almost made 60 times his original return. Compare that to only three times for Melissa, the latest adapter.
The Bottom line: If you're not maxing out your contributions as early as you possibly can, you're falling behind.
J.D.'s note: As with some of the commenters, I believe the 13.4% average annualized return isn't realistic. I used 8% for my own article on compound interest this morning. I'll do some research to explore the notion of compound returns over various time periods, and share the results in the next couple weeks.
This article is about Basics, Investing, Retirement
I really liked this post, so much so I submitted it to yearblook.com. Yearblook is a competition to find the best blog posts, and they print the winners in a book that is a record of the year in blogs. Thank you for so much inspiration, and good luck!
I have been doing a roth since age 18 sometimes maxing out sometimes not able to. So far my porfolio is made up of mutual funds, which means for the last several years I have only been able to reinvest capital gains and dividends. I feel like I have wasted some time due to the fact that there has been no compunding of interest. Is it smart to add a CD or something similar into the mix that compounds interest? Any suggestions are much appreciated.
These stock market returns are too optimistic.
What about taxes on the sale of the stocks?
And a 60-year window into the market is too long. The 10-year swings are what wipe people out. For example, many people are today still recovering from the DotCom meltdown of 1999/2000.
Or how about Bear Stearns and Lehman stock? Good luck owning any of that, and the market didn't even have to "crash" for all that wealth to be vaporized.
Mark Cuban, founder of broadcast.com who sold for $4B to Yahoo just before the DotCom bust, calls the stock market the biggest ponzi scheme/scam going. I agree.


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Hello Anna.
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She is pretty amazing.
So darling! Love the heels on the background
Love her.
Maxi dress! Adorable.
This makes me smile!!
Her smile just fills me with joy. SO adorable
Dress up... Such great memories:))
I missed this!! I love it. She's precious! Where is this dress from?!
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People with asthma frequently experience problems with their sinuses. And more than half of those who have chronic sinusitis also suffer from asthma.
Is there a connection? Each condition is marked by inflammation, which is to blame for both the symptoms of asthma—cough, chest tightness, shortness of breath, and wheezing—and sinusitis. Researchers speculate inflammation in the lungs or sinuses affects both. As a result, people with lung symptoms likely will eventually get symptoms in the nose, and vice versa. Plus, sinusitis can trigger asthma attacks.
Sinusitis occurs when air-filled spaces behind the nose, forehead, cheeks, and eyes become inflamed and blocked with mucus. Often, infection results.
Symptoms usually occur after a cold that fails to improve or gets worse after five to seven days. They include:
Cough, often at night
Headache and pressure behind the eyes, or in the teeth or face
Stuffy or runny nose
Sore throat
Loss of smell
Bad breath
People with asthma who experience sinus problems should talk with their doctor about treatment. Studies show that resolving sinusitis often improves asthma and may decrease the need for asthma medication.
Those with asthma need to be vigilant about colds and the flu. Viral respiratory infections often worsen asthma. Some prevention tips:
Avoid smoke and pollution.
Drink plenty of fluids.
Take decongestants for upper respiratory infections.
Get help for allergies.
Use a humidifier to increase moisture in nose and sinuses.
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Paper thin flimsy mattress with completely scary dope thugs at the stairwell entrances all night. We have a baby and were travelling so I had to go back and forth to our van I forgot a lot of stuff and was petrified having to go outside at night. AVOID
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- 10: Grow share of online pageviews from 6% now to 10%.
- 20: Boost share of minutes spent from 17% to 20%.
- 30: Grow share of search from 10% to 30% (dollars or queries? Not clear)
- 40: Grow share of advertising dollars from 6% to 40%
Based on Johnson's comments, Microsoft still appears to think that search share is about technology (Johnson cited the age-old "relevance" pablum). It isn't. Consumers aren't going to switch search engines because of claims of better relevance.
Search share is about brand and habit. Unless Google falls asleep at the switch, there is no way that Microsoft will ever claw back 30% search share. It could have it tomorrow if it bought Yahoo, however.
See Also:
How Was MSN's Q3? AOL Should Be Proud
Microsoft's MSN: Still Sucking Wind After All These Years
SAI's Microsoft Online Key Data Spreadsheet


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If you haven't heard about Aaron Hernandez's situation, he has been charged with murder and 5 other gun related charges. He is facing life in prison in this trial. Aaron Hernandez's family has been relatively quiet during the proceedings until his mother, Terri Hernandez, talked to The Bristol Press.
"All I can say is that he will be cleared of all these charges in the end," Terri told The Bristol Press on Wednesday. "Just let it play out until the end."
What do you really expect someone's mother to come out and say when they find out about horrendous allegations brought against your offspring? And now he is being linked to a 2012 double homicide on top of the charges he currently faces.
Other resident's spoke about Hernandez's situation and their shock as well.
"It's devastating for the family. It's devastating for the community," said Mayor Art Ward. "It's a sad state of affairs."
"I feel sad for the kid and feel sad for the town because he was a hero here," said Bill Nitz, a local resident. "A lot of people are upset that this has happened. We just have to ask ourselves what went so wrong that possessed him to destroy what he worked so hard to achieve."
"I'm absolutely shocked and very sad that they say he is involved in something so horrible like this," said Eric Almodovar, a local resident. "We really looked up to him because he was a product of Bristol. He made me feel like anyone in this town can make it out there."


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Lori A. Beer, 49, of Decatur, died at home on Saturday.
Funeral arrangements are pending at Haggard-Sefton and Hirschy Funeral Home, Decatur.
John Madison Hudson, 28, of Geneva, passed away at 2:58 p.m., on Thursday, July 21, 2011, at Indiana University Hospital in Indianapolis.
He was born on Thursday, December 9, 1982, in St. Marys, Ohio.
John attended Mendon Union School in Mendon, Ohio and Parkway schools in Rockford, Ohio.
He worked at Cooper Farms in St. Henry, Ohio and had also worked in construction.


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Why is Disney's Haunted Mansion so popular?
Written by Robert Niles
Why is Disney's Haunted Mansion such a popular attraction? It reached the finals of our Best Themed Attraction tournament earlier this year, and won that title two years ago. Haunted Mansion consistently ranks among the top rides in Theme Park Insider reader ratings, and it's attracted a large and devoted following on Mansion fan sites around the Internet.Tweet
Haunted Mansion in Walt Disney World's Magic Kingdom
But why? I'm not satisfied with a simplistic explanation - so saying "because it's good" doesn't cut it for me. I want to delve into specific design decisions made by Disney's Imagineers that have helped make Mansion such a popular attraction.
Haunted Mansion in Disneyland
First, let me fess up that I'm not as big a fan of the ride as many on the site. To me, Haunted Mansion has an incomprehensible narrative (that Disney's filled in, erased, and changed over the years) and a theme song that's not nearly as catchy and memorable as "A Pirate's Life for Me" and "It's a Small World." The Pepper's Ghost effect in the Ballroom isn't as visually convincing as the one at Knott's Mystery Lodge (the gold standard for Pepper's Ghost effect shows in the world), and while I love the Haunted Mansion Holiday overlay in Anaheim and Tokyo, the reflected light off the snow-covered graveyard totally illuminates the scrim and ceiling, spoiling many of the effects in the ride's climactic scene.
Haunted Mansion in Tokyo Disneyland, with the Haunted Mansion Holiday overlay
So what makes this a great ride, strong enough to overcome even those weaknesses? Of course, it's a long, sit-down ride in the air-conditioned darkness, a underrated attraction in its own right on a hot summer day. And there's the whole Goth appeal, too. But Goth hardly delivers blockbuster followings on its own. If it did, the upcoming Dark Shadows movie wouldn't be a spoof, and we'd be hailing Depeche Mode instead of U2 as the best band to break out in the 1980s.
Here's my answer to the question of the Haunted Mansion's popularity: It's the Ghost Host.
Paul Frees' narration makes the Haunted Mansion an intimate, personal experience. You're not riding anonymously through huge show scenes, as on Pirates of the Caribbean and It's a Small World. You're taking an individual tour through the Mansion, guided by your own, personal host. That design decision helps the guest feel more involved in the experience on Haunted Mansion than on many other classic theme park attractions. For 10 minutes, this is your ride, not just a ride that you're on.
The ghosts even invade your ride vehicle on the attraction's final scene, visually bringing you into the haunted action. (That effect's best in Orlando, where it was recently upgraded with new tech, but it's still pretty neat in Anaheim and Tokyo.)
The entire experience is designed to create an impression of a personal experience with the 999 happy haunts of the Mansion. Even the decision to assign that number to the ghosts in the ride helps personalize the experience. You can't help but think of yourself as that ghost number 1,000, forever putting yourself into the scene. Disney doesn't tell you the number of pirates sacking the Caribbean. You never feel like maybe you could be one of them. (Which undercuts Disney's attempt to sell all those Pirate makeovers to little boys.)
Haunted Mansion's hardly the only attraction to use in-car narration in a small ride vehicle, to create an intimate, personal effect. I think that style of narration is one of the reasons why so many fans continue to mourn the loss of Epcot's Horizons, which used the same concept. And it's one reason why I continue to enjoy Epcot's Spaceship Earth, which also now puts you into the scene by laying your photograph into on-monitor show scenes.
But those rides lack the fun of Haunted Mansion, with its giddy whismy of singing and dancing ghosts. The only ride I believe to have used personal narration as effectively as Haunted Mansion is the attraction that beat it in this year's tournament - Universal's Harry Potter and the Forbidden Journey.
In my conversation with them, Universal Creative ride designers Thierry Coup and Mark Woodbury have explicitly cited their wish to create a personal connection between riders and the Harry Potter characters. They intentionally designed the ride vehicles and show scene placement in a way that you'd feel like Harry and Ron were speaking directly to the four of you on that flying bench, with no other ride vehicles to be seen. (FJ does this better than Mansion, IMHO.) And Forbidden Journey brings you into the action, as well, with the Dementor's Kiss effect. (Which Theme Park Insider readers have reported fails too work far too often for Universal to be satisfied with its performance. It's always worked for me, but it should always work for everyone. FJ without the Dementor's Kiss is like, well, Haunted Mansion without its hitchhiking ghosts.)
What do you think about my theory? How important is personal narration to you on a theme park ride? And what's the appeal of Haunted Mansion for you? Let's break down this ride in more detail, with your comments.
Readers' Opinions
From 22.214.171.124 on May 7, 2012 at 10:50 AM
I agree that the narration is a key part of the attraction. For me, I like it because it was the first "haunted" ride that I remember so it really takes me back to my childhood more than other rides. It's also the attention to detail from the headstones out front to the ghostly statue at the end of the ride.
From Eric Malone on May 7, 2012 at 10:58 AM
I never really considered it, but in retrospect, I kinda gotta agree with you there, boss. I feel like it's the personal narrative and host that really helps to pull you into the attraction. The AC is a bonus, too. Your comparison to Forbidden Journey is pretty spot-on: because Harry, Ron and Hermione address you directly, it really pulls you into the ride and makes it feel like a unique experience just for you.
Personally, I don't jump out of my seat at the thought of Haunted Mansion, but there's no denying that the ride still has charm to this day. One of my favorite things to do when I go on Haunted Mansion these days is to find the props and things that used to scare the crap out of me as a kid.
From Brandon Mendoza on May 7, 2012 at 11:15 AM
You bring up great points Robert. An attraction/ ride that is somewhat personalized and involves you will almost always trump a ride where you're merely a spectator. And as a Nightmare Before Christmas fan, I love the Holiday overlay for the Haunted Mansion. I have to agree that the scrim being illuminated takes away from the illusion a bit.
It's why I like Mr. Toad's Wild Ride over Peter Pan. Or A Bug's Life over Terminator. Or Waterworld over Indiana Jones.
The shows/ attractions talk to you, interact with you and don't forget that you're there. I haven't been on FJ yet, but as a HP fan, I hope I'll enjoy it as much as everyone else!
From 220.127.116.11 on May 7, 2012 at 11:19 AM
Makes sense to me. I am deaf and find the ride underwhelming. I've participated with ASL interpreters and without. It's "fine", but not at all a top-tier attraction to me.
From Skipper Adam on May 7, 2012 at 11:31 AM
I have to agree that the personal experience adds a lot to it, but it's not the only thing. Part of it is it really is packed with continuous surprises for first timers. Part of it is that it is elegantly creepy that satisfies goths, horror fans and young ones. Part of it is perhaps the exterior, where it looks like a real house, and going through the corridors, it feels like a house, unlike Pirates which is a bay, a city, a jail and a ship inside a fort. Maybe, Pirates aside, there are no other dark rides with such realistic details and spaces, or of that scale. Perhaps it's because it is relaxing, with literally no thrills, even less than Pirates, so that no one has reservations to ride it. Perhaps, now it is one of the few rides than has no context outside of the ride, meaning that you don't need to see a movie or read seven books to appreciate the ride. Maybe it epitomizes a genre, horror and ghost stories, in a tasteful, complete and thorough way. Maybe because it's a people eater of a ride. Maybe because it's unassuming presence compared to, lets say, the Mountains but still packs a lot in, which makes it a surprise to so many people. Maybe it's the only ride in Disney where it is private enough to turn it into a "Tunnel of Love." And let's not forget how many people probably tune out the Ghost Host most of the ride.
I have to disagree on the feeling that FJ gives the same personalized feeling. Riding on a bench with strangers; getting the pre-show in a crowded room, filled with a filled queue, getting the same story over and over from the characters; never seeing the Dementors work; maybe it's because the experience is so far from feeling like a tour of Hogwarts rather than the monster mash-up it really is.
From N B on May 7, 2012 at 12:08 PM
He couldn't help himself..... The bench becomes "private" when you have a family of four and I had never experienced the ride where something didn't work as planned. It is still the number 1 voted ride on TPI, so not everyone agrees.
I went on Haunted Mansion at least once every trip to MK. It's a classic, but shows it's age. Sort of like Jaws, but a couple of decades older.
From David Brown on May 7, 2012 at 11:47 AM
It's bizarre. I've ridden Haunted Mansion in Orlando twice - in 2004 and early in 2009 - but I don't remember there being any narration at all on the ride. We just sat in the doom buggies and trundled through the scenes.
Did I miss something or is the narration a new innovation?
From Flavio de Souza on May 7, 2012 at 12:24 PM
I was a fan of Haunted Mansion even before I could understand English well enough to understand the full narration. The same is true about Phantom Manor at Disneyland Paris (which is played in French).
Personally I never felt that the attraction was personalized for me, but it is still my favorite attraction.
Is the Tokio version played in English or in Japanese?
From Tom Rigg on May 7, 2012 at 12:29 PM
Robert, I have a different theory, but that in some ways assumes some of your theory. One of the things that Disney is known for is their ability to build an atmospheric arc. Meaning, they do a wonderful job developing atmosphere as you tread deeper into the experience you are having without it being a spoken or direct narrative.
The Haunted Mansion, particularly the Magic Kingdom's version, is the absolute best at creating this arc. Think of it: even without directly seeing the mansion you can hear the wolf howl as you approach. Then, there's the hearse and the change in the type of cobblestone and the wrought iron. There's the willows and the roses, the head stones, and the experience of being lower to the ground (via the retaining wall) that makes the house lord over you. Without spelling out any part of the story, guests are slowly being submerged in the atmosphere.
Next you stand at the door and it swings open. A blast of cool air hits you, the lighting is warm but incredibly dim, much like a funeral home. The walls have heavy wood paneling that you can touch and feel the grain in. The cobwebs sway with the breeze created by the crowds movement. And finally the narration begins. By the point you are in the ride vehicle, you are well primed for the ride itself.
The detail on the ride and the timelessness of the themes more than make up for the age of the trickery. And once the ride is ended you are edged back out of the atmosphere gradually with a walk down a cool dark corridor, past a crypt and a pet cemetery and out the gate before the mood is broken and you are sold a single souvenir.
While Pirates comes close in many ways, I don't think it holds up against that sort of immersion. The Haunted Mansion is overall a deeper sensory experience. And, a more evenly paced one to boot.
That individualized narration is a component of that highly orchestrated experience that has few if any compromises. i would say the only other ride that gives The Haunted Mansion a run for its money in this way is Tower of Terror in Hollywood Studios.
From Skipper Adam on May 7, 2012 at 12:39 PM
NB, of course not everyone agrees. But I wasn't hating on the ride, just not agreeing with Robert's opinion...which is allowed.
I'm glad that on your visits, it has worked. However, since I visit the park almost weekly, riding it almost weekly (see I don't hate the ride) it's just I truly never have seen the Dementors work properly. Also lucky for families of four I guess, but meanwhile the rest of the groups of riders are either split up or sharing the experience with strangers which in contrast, Haunted Mansion is a more intimate experience that is never experience with strangers.
From Thomas Caselli on May 7, 2012 at 12:47 PM
Tom Rigg, I agree with everything that you said. That is why so many of Disney's attractions are as good as they are. They get you into the attraction before you are actually in the attraction and nobody does detail like Disney. To the one that said he didn't notice any narration. The narration starts as soon as you enter and they close the doors. I don't know how you could miss it.
From Mike Saperstein on May 7, 2012 at 1:05 PM
I also agree with Tom Rigg's comments, but think the appeal comes down to something simpler.
The ride is cool, scary, and funny -- to pretty much all ages, and sometimes all at the same time.
That is a very unusual combination, as most rides are lucky to capture one of those elements.
Further, having only one person in the vehicle with you in a closed vehicle makes it a very personal experience. This is a big positive in Spaceship Earth as well.
From Anon Mouse on May 7, 2012 at 1:26 PM
I hate to say it, but you're off the mark. Haunted Mansion works with a fully realized character with the unseen Ghost Host and a description of what to see and expect from a fully fleshed out Disney attraction. The music was good. It is better than you gave credit. So wonderful was the music that it was spoofed in many cases... growing up in the 80s, I heard the familiar Haunted Mansion chorus with the chanting of "Ronald Reagan" in a ominous tone. It was a marvelously fun ride that grew on you as you grew older.
The premise about the personalized ride is only realized in the end with the ghost in the mirror, but it was just an effect that everyone got. Thus, this idea of a personalized ride is merely in your head if you allow such ideas. However, in conjunction with the pleas of joining the happy haunts as the 1,000th guest might be enticing to some and some do take things personally with the dumping of the ash remains of some dead fans is taking it too far. I would chalk this up to Disney's appeal to everyone in a personal level if not personalized.
From Rod Whitenack on May 7, 2012 at 2:23 PM
Since the Haunted Mansion is my all time favorite theme park attraction, I have a couple of theories on the subject. First, a writer here in my hometown of Louisville once wrote that some people just have what she called "The Halloween Gene" and other people don't. If you like the spooky, the creepy and the eerie; if you're either a "Munsters" or an "Addam's Family" guy; if the smell of fallen leaves and burning pumpkins sets your imagination afire, you have it.
Secondly, while the Haunted Mansion doesn't have a "clear storyline" with reoccuring characters, it does adhere to the most important storytelling structure in any book, film or even ride: The three act structure. Not just beginning, middle and climax, but a steady building of scope. Even the best roller coasters use the three act structure. The first act is the journey up the lift hill, the second act starts the second the train decends and the the third act (if the ride is really great) ups the thrill with one, last big trick. Think of "The Beast," which held the world's greatest coaster title for many years.
The Haunted Mansion starts as you journey through the graveyard and into the house and the stretching portrait room. The first part of the ride is quiet. You view paintings and the library. The second act starts after you go upstairs. Things start to get wilder when you reach the Seance room and the ghosts start to appear. The end of the second act is the huge Ballroom. Everyone knows attics in Haunted Houses are creepy, so the tension ratchets up as you drift through the attic, and for a finale you are taken into a massive graveyard with ghosts flying into the night sky, surrounding you on every side and music fills the air. The hitchhiking ghosts are the stinger after the credits. Everything starts small and builds throughout the attraction.
It's not just "a story" where you passively view scenes as they pass, like some of the other classic attractions such as "Peter Pan's Flight" or even modern ones like "The Little Mermaid" ride. It's a journey. It's an adventure. It's an exploration. Those elements, compounded for those with the "Halloween Gene," make the Haunted Mansion the best attraction ever created.
From 18.104.22.168 on May 7, 2012 at 2:56 PM
I remember in the graveyard scene my ride broke down. But they got us back up and running in like 5 minuets.
From Dominick D on May 7, 2012 at 3:16 PM
Tom Rigg, that was beautiful.
From Tony Duda on May 7, 2012 at 4:24 PM
The ride reminds me of the times, as children, when you discover that old abandoned house down the road, off by itself. You and your friends imagine all sorts of scary things inside, and maybe, just maybe, there are stories about terrible things that happened there long ago. The Haunted Mansion is your chance to experience all the scary things that your imagination created. And the Haunted Mansion delivers.
From Daniel Etcheberry on May 7, 2012 at 4:32 PM
Let me start by saying that for me, The Haunted Mansion and Pirates of the Caribbean are the 2 major classics of Disney. About HM: everything is pure magic. My favorite part is when the doom buggies travel in reverse.
Like a great movie or a great novel, you can't put into words what makes a ride so beloved. A masterpiece is a masterpiece, and the why will never do justice to the actual experience.
From Stevo B on May 7, 2012 at 6:00 PM
For me, nostalgia and that "halloween gene". When I worked for the studios in Florida and cross u'd at the Magic Kingdom I begged the GM (who I knew) to let me do a shift at the mansion. All I wanted was to spend some time telling people to please step to the dead center of the room. Bucket list item number 3, check.
From Mark Kausch on May 8, 2012 at 1:42 AM
Y'know, a lot of what was said also was present (or past - heheheh) in Adventures through Inner Space. I'm surprised no one mentioned it yet. Well, till now.
From O T on May 8, 2012 at 4:28 AM
For me it's when the doors open and the castmember lets you into the house. they often do a great job. I feel like Brad en Janet getting invited at th Rocky Horror Picture show. It's fun and a bit unsetteling. Then you get horded into the stretching room (with the new sound effects even more fun) and then the ride starts. It's the intro that makes that ride awesome.
(and yes, Depeche Mode is the best band of the 80's)
From 184.108.40.206 on May 8, 2012 at 9:56 AM
I think its because its one of the few decent people movers in the Magic Kingdom, the ques dont keep you standing in the sun to long and are entertaining unlike most of the just stand their and wait (forever) ques in MK, so people's perception of the ride being great !!! are slanted because of its ability to get the entire family on and off and the ability to go again without having to wait forever this makes it a so much of a nicer experience then say Thunder Mountain
From Rod Whitenack on May 8, 2012 at 11:09 AM
Me thinks Robert were not born with "The Halloween Gene," but caught the Errol Flynn virus early in life. Aaarrrggg!!!
From Tracy Bates on May 8, 2012 at 5:07 PM
For me, it's very simple. It's the ride I remember most vividly as a kid. The ghosts floating in the dining room, and especially the ghost that was in the car with me at the end. I'd never seen anything like that before and it just stuck with me because of that.
That being said, I like the new interactive queue in orlando. It's not a big thing, but when waiting in line, it's always nice to have something to do.
On the flip side, I don't like the ghosts in the car at the end. I don't care if it's more animated, I liked the simpler ghosts that looked more like the ones in the rest of the house.
From B Higgins on May 9, 2012 at 11:59 AM
To me an interactive ride with a small spine chilling experience. The animations are great, the smell is very unique.
Other haunted house rides are all fake, with dolls popping out of the woodwork with loud obnoxious sounds.
In my opinion this is the best haunted house ride there is. It would be nice to have a few drops..
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Training as a Permanent Make Up Technician
- JoJoUK
- 2 years ago
I would like to train as a Permanent Make Up Technician. I have researched different courses on the internet, but with so many on offer do not know which courses offer the best training. I would also like to know if there is enough demand for this type of work and the best way to get started? I live in Surrey, UK - about 30minutes from London. Any advice would be great xx.
Comments (1)
I really can't say I know anything about the permanent makeup industry as far as training and job market go.
I believe Stylishus, myladylana and Permanent Makeup by Mary are in the industry, but I believe they are in the U.S. However, they may be able to share some info with you.
Best of luck to you!!
- Reply


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Categories > Celebrities > Fall Out Boy > Be my bad boy.....
Prom Night1 Reviews
Yes, it's that time of year again....Megan is nominated Prom Queen and Pete's her date. Something happens at Prom that will forever change Megan and her friends' lives. Enjoy!!
"Thanks, Pete's got great taste," said Megan as she admired herself in the mirror.
Kristian and Megan were doing each other's hair for Prom as well as their make up. When they were finished they both looked absoulutely stunning. Megan's phone rang and it was Pete. Pete told her that he was inviting Joe to the dance as well. Megan said that he'd have to get a ticket at the door. Pete told her that it was already taken care of and that he couldn't wait to see her; and neither could she.
Before they knew it, it was time for the dance. Pete had a limo waiting for the girls outside of Megan's house. Pete got out of the car in a black and red tux, and he was holding Megan's corsage. Megan and Kristian walked over to the limo and Pete kissed Megan.
"Kristian, I have a surprise for you," said Pete.
Pete then opened-up the limo door and Joe walked out of the car. Kristian was taken aback, she was immediately drawn to Joe. Joe was dressed in a black and white tux and he too was holding Kristian's corsage. The four then took pictures and headed for the dance. Pete was holding Megan's hand the entire way to the dance as if he was protecting her.
Once they got to the dance, Joe escourted Kristian into the dance, but Pete and Megan didn't follow. Pete had to tell Megan some VERY important news, regarding her safety.
"He said all that?" asked Megan.
Pete nodded and replied, "That's why it's important that we stick together."
"Yea, well I trust you, and I've read about the Dandies, before, they're soo scary," said Megan.
"You won't have to worry, Joe and I will protect you, ok? That's why I brought him along. He's my back-up," explained Pete.
Megan nodded and then Pete took her hand and he escourted her into the dance. Once they were inside, everyone was drawn to them. Pete and Megan were radiant and they were turning heads as they walked into the dance.
"Hey Meg!! Wow, you look gorgeous!! Here's your sash, you'll need to report to the DJ's counter during the middle of the dance, ok?" explained Kat.
"Thanks Kat, you look pretty, as usual," replied Megan sweetly.
Megan and Pete then walked onto the dance floor and they started to steal the show with their dancing. Kristian and Joe looked great as well, they had A LOT of chemistry between each other. The dance went on for an hour and a half and then it became time for Megan to except her crown. The DJ called Megan and Frank to the center of the dance floor. Pete watched Megan go to accept her crown, when he felt an un-godly presence behind him. He turned around and to his surprise, was William, the fearsome leader of the Dandies.
"What are you doing here?" asked Pete sternly.
"Scoping out the prey," replied William.
"You mean, Megan? Look, I already told you not to come near her," Pete threatened.
Pete then turned his focus off of William for a split second and to Megan, when he looked for William again, but he was mysteriously gone.
"Megan and Frank will now share a dance," announced the D.J.
Megan and Frank started to dance and Megan was looking around the room for Pete. She couldn't find him, which made her upset, but she figured he probably went to the bathroom or something; he's not the type to just ditch her. When she returned her focus to the person that she was dancing with, she was surprised to see that it wasn't Frank.
"Hello, my darling," said William.
Megan's eyes widened and she gasped. William flashed her a wicked smile and spun her around.
"Wh-what are you doing here?" asked Megan nervously.
"Dancing, with you," said Frank.
Megan was now confused. She could have sworn that she had just seen William.
"Meg? Are you ok?" asked Frank.
Megan nodded and smiled. She was probably just being dilliusional. Frank and Megan finished their dance and everyone else continued to dance. Megan, however went to go and look for Pete. She ran out of the dance and looked around for him. She was abruptly stopped by William. Megan froze and took a step back.
"Where's Petey Boy?" asked William.
"I umm....I don't know, umm, oh my gosh" Megan stammered.
She was now surrounded by the Dandies and scared out of her mind. She helplessly looked around for Pete, but there was no sign of him at all. Luckily she saw Kristian and Joe, but they were across the room. She tryed desperately to get there attention, but she was too far away and the music was so loud that no one could hear them.
"Let her go!!" yelled Pete.
"Pete," Megan said under her breath.
"I said, let her go," Pete continued.
"Bite her Pete, bite her!! We all want to see," said William as he firmly held onto Megan.
Pete refused, because he knew that Megan was a vampire and that they were already blood-bonded. William then got annoyed and threw Megan to Pete. Pete held Megan in his arms. She was scared out of her mind and started to shake.
Suddenly, they were outside and Megan saw someone, whom was dressed a lot like her best friend, Ally.
"Ally!!" screamed Megan.
Ally didn't make a move. She was under William's trance. Megan yelled desperately to get Ally's attemtion, but failed. Patrick was filming Pete fighting the Dandies and Megan texted Kristian to tell her take cover.


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Grey's Anatomy Theme
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the song is good quality, BUT i dloaded it for the ringtone, and that doesnt work! it says success bt then some1 calls me and its my old tone. plz fix
(58 stars)
It fast and fun


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Storycatcher: Making Sense of Our Lives Through the Power and Practice of Storyby Christina Baldwin
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This remarkable guide illustrates the compassion, empathy, and humanity attainable when sharing stories with another person. At the same time, it encourages readers to identify their own personal stories and learn to actively cherish and strengthen them for a stronger sense of fulfillment. Story, the author contends, is the lifeblood of who we are — it helps us position our own identity in the larger world and focuses us on our own history. Stories, in essence, individualize us, and Christina Baldwin invites her readers to unlock the immense power that story holds for each of us.
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Help Your Kids Make Mistakes and Avoid Failure Phobia
Ever get the impression your toddler thinks he's just as big and powerful as you? It's not your imagination getting out of hand; as far as he's concerned, he's the master of his own domain. But in a few years from now he is going to come face to face with that monster lurking around the corner —- the inevitable scrutiny, evaluation and faultfinding from others, and then he will begin to question his power. Unless we teach our children how to embrace mistakes, defeats, our self-confident little dynamo may learn to fear ridicule and reprimand. Eventually, he may even rely on outside evaluation to assess his own performance, measure his self-worth, and shape his future choices.
Why does this happen? Simple. We humans are pack animals, and toddlers are no exception. Heck, I've seen a few of my own howl at the moon and roll around in disgusting stuff from time to time. And like all pack animals, we have a strong need to belong. What our kids often don't learn is that this need can be satisfied in two ways —- earning acceptance by offering unique contributions or roles that benefit the pack or begging for acceptance by making all choices contingent upon whatever will win the pack's approval. If they choose compliance over contribution, failure can become a ball and chain for our kids and the adults they will become.
Of the hundreds of children I interviewed in researching my book over the past few years, most cited failure phobia as the one factor responsible for their frequent reluctance to make choices. In the same interview process, teachers and parents both insisted that the numbers of those children they consider underachievers (those who choose not to choose, because they are afraid their choices will result in failure) and perfectionists (those who choose according to the highest possible social standards, because they are afraid that making a lesser choice will make them less acceptable) are escalating at an alarming rate. People from either group become afraid to make decisions in fear that the product of their thoughts may produce failures that weaken their sense of worth. Instead, they rely on others to do the thinking for them. Once they rely on others to guide them through life, they will likely grow to be adolescents and adults that are no longer able to think for themselves at all.
The bottom line: children who can't handle failure well allow their choices to be governed by their need for approval rather than their sense of right and wrong. And when that approval is dispensed by their peers and shaped by the pop culture, they often fall prey to substance abuse, promiscuity, deteriorating academics, gang involvement, low self-esteem, lack of creativity, irresponsibility, and other commonplace problems. For those who aren't rewarded with the approval they seek, there's frustration, anger, cynicism, apathy, depression, rebellion, aggressive or violent behavior, and so on.
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New Zealand Embassy Berlin, Germany
New Ambassador presents credentials to Federal President
I had the honour to present my credentials as Ambassador of New Zealand to German Federal President Christian Wulff on Tuesday 3 August.
It was a special occasion, especially since I was the first Ambassador to meet the new President in this way. President Wulff acknowledged the wide-ranging relationship between Germany and New Zealand, and we discussed areas for closer cooperation. One example is agriculture, where New Zealand and Germany are both members of the Global Research Alliance which seeks ways to mitigate greenhouse gas emissions from agriculture.
President Wulff recalled his visit to New Zealand in 2007 (as Minister-President for Lower Saxony). On that occasion fog prevented his flying into Auckland and Rotorua. In inviting him to visit as President I said we would try to arrange better weather next time!
- Peter Rider, Ambassador
Of interest
United Nations Handbook
The UN Handbook is a comprehensive guide to the UN system and how it works. Read more
Elections for the United Nations Security Council
New Zealand is a candidate for election to the UNSC for the two-year term 2015-16. Read more
Registering your overseas travel made easier
New Zealanders travelling or living overseas, registering your travel online now made easier. Read more
The Christchurch Earthquake Appeal
News about how the donations are contributing to the rebuild, ways to donate and more.


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Tamerlan Tsarnaev
Boston Marathon Bombing Suspect Makes New Push To Move Trial
Lawyers for Boston Marathon bombing suspect Dzhokhar Tsarnaev are making a second push to move his trial to Washington, D.C.
Cambridge Man Arrested For Providing Gun Used In Murder Of MIT Officer
A Cambridge man has been arrested in connection with the shooting death of MIT Police officer Sean Collier.
Judge Denies Bail For Friend Of Marathon Suspect
A judge has rejected a bail request from a friend of the dead Boston Marathon bombing suspect while he awaits trial on charges of impeding the investigation.
Marathon Bombing Suspect To Ask For Trial Move
Lawyers for Boston Marathon bombing suspect Dzhokhar Tsarnaev say they plan to ask a judge to move his trial outside Boston.
Customer Defends Cab Driver Charged With Blocking Marathon Bombing Investigation
A woman says she accompanied Khairullozhon Matanov to the police station the morning after Tamerlan Tsarnaev was killed.
Quincy Man Charged With Obstructing Marathon Bombings Probe Held Without Bail
A recently indicted friend of the Boston Marathon bombing suspects has been ordered held without bail, because his lawyer can't find him a place to live if he were released.
Quincy Man Charged With Obstructing Marathon Bombings Probe Due Back In Court
A Quincy taxi driver who was charged last week with deleting computer files and lying to investigators in the Boston Marathon bombing probe is due in federal court Wednesday for a bail hearing.
Quincy Man Charged With Obstructing Boston Marathon Bombings Investigation
A Quincy taxi driver was charged Friday with obstructing the Boston Marathon bombings investigation.
Families React To Obstruction Arrest In Marathon Bombing Investigation
Elizabeth Norden sat in anger as she watched the coverage and listened carefully to charges against Khairullozhon Matanov.
Davis: Arrest 'Most Significant Development' Since April 2013
Law enforcement experts are calling the arrest of a Quincy man accused of obstructing the investigation into the Boston Marathon bombings the most significant development since the arrest of Dzhokar Tsarnaev.


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Winter in canyon country is a season of solace, peace and reflection. It's a time of long shadows and soft light, when the region's stark beauty and solitude are heightened. Daytime temperatures are crisply cool – ideal for hiking the nearby slot canyons – while the cold nights are warmed by roaring log fires.
An inspiring setting in which to reconnect with the environment, Amangiri will provide the following inclusive of nightly rates for all stays during this period:• Three meals daily (including healthy menu options)• Two daily one-hour guided group hikes on property• One daily group yoga class• One daily group Pilates core-strengthening mat class
For stays of four nights or more, a complimentary 60-minute massage, facial or floatation therapy session will be offered (for up to two people per suite).For stays of seven nights or more, guests will also receive a complimentary night at Amangani.
For more information about activities that showcase the wonders of the landscape and spa journeys that rejuvenate the body and soul during the season


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During the late 19th and early 20th centuries, California artists produced a unique style that combined several distinctive aspects of American and European art. This style—known as California Impressionism or California plein air painting, after the French term for "in the open air"—focused on capturing the special light and color of the state's landscape and helped to define modern landscape painting.
Impressionism was initially embraced by a small group of radical artists working in France during the late 1860s. Their work was greeted with scorn and criticism by the Royal Academy and the public. By the time Impressionism was introduced in the United States around 1885- 90, much of the hostility had dissipated and the style was favorably received. Many of America's leading artists studied Impressionism in Paris and brought it back to the United States, invigorating progressive American art.
California's majestic landscape was the inspiration for artists who came to the burgeoning turn-of-the-century art colonies in Carmel and Laguna Beach. They created a profusion of light-filled paintings that captured its sublime but fragile beauty, in a Post- Impressionist manner that established a new, distinctive modern style. Just as earlier French artists had captured the colors and light of rural France, this indigenous West Coast school of artists dedicated itself to portraying the brilliant and convincing effects of natural light on the local landscape in a fresh American voice.
This exhibition explores the impact of Impressionism and modernism on American painters from the West Coast and features many of the most important artists of the period, including Franz Bischoff, Emil Kosa, Phil Dike, Edgar Payne, William Wendt, Guy Rose, and Granville Redmond.
Don't miss this stunning collection of 60 paintings from the collection of The Irvine Museum, California.
Organized by The Irvine Museum and host curated by Bruce Guenther, chief curator and The Robert and Mercedes Eichholz Curator of Modern and Contemporary Art.
Sponsors: Judith Anderson, Mary C. Becker, Laura S. Meier, Frederick D. and Gail Y. Jubitz Foundation, Travers Hill Polak, Dr. Alton and Celia Wiebe, Judy C. and Martin Kelley Endowment Fund, Liane and Richard Cabot, European and American Art Council of the Portland Art Museum, Bonhams, and Acorn Fund of The Oregon Community Foundation. Hotel Partner: Provenance Hotels.
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Mary Sanchez Torrez
4/21/1921 -
Ernie,Arthur and Richard, I am so sorry to hear about your mom, My thoughts and prayers are with you all, Sincerely
Christine, Michael & Becky,My heart and soul go out to all of you in this very difficult timeMary was a great Lady. She was always making people smile., I will pray for you.In my heart you are still my family and I love each of you so very muchWith all my LoveCyndi Rae Lara
I wish to express my Deepest Sympathy for the loss of your Precious Loved One. My Prayers, are that each of you be Granted Peace... "God Bless Each Of You"
I grew up next door to Grandma Torrez. She treated, fed, and loved me as her own. She will be missed.
My thoughts and prayers go out to the Torrez family. I got to meet Mary and her husband when I delivered meals to them from Joy Center. She was delightful to talk to. May God bless the Torrez Family in their time of sorrow.
my condolences go out to the torres family in the loss of yourloved one. my prayers are with you all.
Our Prayers and Sympathy to all the Family of Mrs.Torrez,Special Thoughts for Your Loss to Arturo's Family and toErnestina and her Family.
We are sorry for your loss.
My condolences to the Torrez Family. My prayers are with you.
My condolences goes out to your entire familia. I know that it is very difficult to lose your Queen, but in retrospect, she leaves behind a lifetime of memories and set the example for a Mother, Grandmother, Wife, Sister, etc., you name it. The family lives on in her name. She had to be one amazing woman to raise you "Bull" cause I know. Just kidding. I am thinking of you guys as you go through this ordeal. God Bless You.


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Coastguard SouthDorset, ENGLAND
Climbs 85 – Rocktype Limestone – Altitude ? – Faces W
Crag features
Access notes
Drive through Southwell to the southern end of the island. Park at a small layby just before the Pulpit Inn (room for about 8 cars). DO NOT PARK ON THE ROAD LEADING UP THE HILL. Walk up the private road and head outwards towards the Lookout (now manned in case of emergency). Go down a grass slope behind to the cliff edge then drop down a steep and precarious path onto a promontory (staple in place if needed). This brings you out below the right-hand side of Coastguard North. To reach Coastguard South continue down to the boulder beach then double back left and scramble over a boulder jumble to the more level platform beyond. It is possible once acquainted with the area to cut back south along a grass bank from the promontory and then drop down a short series of rock steps onto the platform about 50m from Grip '89 Area.
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|Tauhid Bondia is a graphic designer and cartoonist from Elizabethtown, KY. He enjoys drawing anything cool and specializes in character design. Feel free to browse the site and, if you'd like to contact Tauhid for commission or graphic design work, please visit his personal site at www.tauhidbondia.com.
Those are some nice boots.
ok next time I get the "what do you actually DO for a living" question I'm just gonna pointt hem at this it's not always...


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Your personal trainer subsists on whey shakes, your sister's sworn off dairy, and a book you picked up on barnesandnoble.com recommends watercress soup for weight loss. Is it any wonder you're stymied about what to eat come mealtime? To help you sort through the confusion, we rounded up top nutrition and weight-loss experts to answer your most burning diet questions.Is there one small diet fix that will help me lose weight?
"Yes. Stop drinking your calories," says Walter Willett, MD, chairman of the nutrition department at the Harvard School of Public Health and coauthor of Eat, Drink and Be Healthy (Simon & Schuster, 2002). Fruit juices, coffee drinks, and regular soda are liquid calories that don't yield much satiety, says Dr. Willett. An eight-ounce regular cola contains 103 calories; the same amount of orange juice has 110. "Research also shows that we don't compensate as well for calories consumed in liquid form," says Rachel K. Johnson, PhD, RD, a professor of nutrition at the University of Vermont in Burlington. In other words, we're unlikely to eat less later to make up for these extra calories. If weight loss is your goal, opt for low- or no-calorie beverages like tea, water, seltzer and skim milk.
First you need to know what's causing it. Often, plain old hunger makes us jones for a particular food. "Cravings are a normal and natural response to underfeeding yourself and can be prevented simply by planning and eating enough throughout the day," says Katherine Tallmadge, RD, author of Diet Simple (Lifeline Press, 2002). To stay satiated, she recommends eating three similarly caloric meals and one or more planned snacks daily. If the craving lingers after making this alteration, it may be emotionally based. Try distracting yourself for 20 minutes (the usual length of a craving) by chatting on the phone or taking a walk around the block, says Lawrence Cheskin, MD, director of the Johns Hopkins Weigh Management Center in Lutherville, Maryland. If distraction doesn't do the trick, Linda Spangle, author of Life Is Hard, Food Is Easy (Lifeline Press, 2003), says you might have "head hunger." Identify the food you're yearning for: Is it chewy/crunchy or smooth/creamy? If it's the former, there's a good chance that you're angry, anxious, frustrated, stressed or resentful. Ask yourself, What do I want to chew on in life right now? Spangle associates a yen for smooth/creamy foods with "empty emotions" like loneliness, sadness or a lack of recognition. Ask, What am I missing in my life at this moment? Whatever the answer, follow up with the bigger question: Will food get me what I need? Once you realize that eating won't resolve your problem, you can focus on what's really eating you.
Eighty-six the cheeseburgers, fried chicken, fried-fish sandwiches, french fries and meat-topped pizzas, says Michael Jacobson, PhD, executive director of the Center for Science in the Public Interest in Washington, D.C., and coauthor of Restaurant Confidential (Workman, 2002). One slice of Pizza Hut's Pan Pizza with Italian sausage packs 320 calories and 20 grams of fat; Burger King's Double Whopper with Cheese weighs in at 1,070 calories and 70 grams of fat. But if, alas, your belly's aching for the Golden Arches, control your portions by ordering a small grilled sandwich sans the cheese and sauce but with extra lettuce and tomatoes. Can't live without pizza? "Opt for thin crust and vegetable toppings and you'll save more than 100 calories," says Hope Warshaw, RD, author of Eat Out, Eat Right (Surrey Books, 2003).
It couldn't hurt. A high-sodium habit has also been associated with osteoporosis; taking in more than 3,000 milligrams daily may interfere with calcium absorption, which can weaken bones over time. And according to the National Heart, Lung and Blood Institute, most women consume 15 to 40 percent more than the recommended 2,400 milligrams of sodium per day (the equivalent of about one teaspoon of table salt). To limit your intake, cut down on popcorn and cookies, frozen dinners, canned soups and broths and bottled salad dressing.
Triglycerides are simply a form of fat. "They are as important as high cholesterol [another type of fat] in women," says Noel Bairey Merz, MD, medical director of the Women's Health Program and Preventive Cardiac Center at Cedars-Sinai Medical Center in Los Angeles. Left unregulated, these fats can contribute to atherosclerosis, a condition in which artery walls become thicker and less elastic. When a blood test indicates that triglyceride levels are high (over 150 mg/dl), it's a tip-off that they're hovering in the bloodstream instead of being stored in the body for energy. Losing weight, reducing alcohol consumption, quitting smoking and exercising regularly can all help lower triglyceride levels.
Um, pour pepper over the rest and then step on it? Seriously though, willpower is about timing. It's best to eat treats when you're full-say, at the end of a meal-so you'll be less tempted to binge. "Using sweets like chocolate to alleviate hunger can actually create a craving for that food," says Barbara Rolls, PhD, a nutrition professor at Pennsylvania State University and coauthor of The Volumetrics Weight-Control Plan (Harper Torch, 2003). Your brain gets the message that sweets hit the spot and remembers it the next time you're hungry.
Possibly. Whether foods are produced organically (without pesticides, herbicides and chemical fertilizers) or conventionally, "they generally contain the same kinds and amounts of vitamins and minerals," says Mary Lee Chin, RD, owner of Nutrition Edge Communications in Denver. However, a recent study published in the Journal of Agricultural and Food Chemistry found organic corn and strawberries to have higher levels of phenolic metabolites, or disease-fighting antioxidants. It seems that the fertilizer used to produce conventionally grown foods may be enough to disrupt a plant's metabolite production.
Thanks to supersize portions and the liberal use of tasty fats like butter and cream, restaurant meals can wreak havoc on a diet. But you can rein in the calories by developing some ironclad policies, says Cathy Nonas, RD, director of diabetes and obesity programs at North General Hospital in New York City. For instance, you might decide that you'll eat just half of your entree when you go to American and French restaurants, and a salad and half order of pasta when you're out for Italian. In Chinese restaurants, your policy might be to share one steamed entree and one other dish with a friend. Other helpful tips: eat two appetizers (one should be low-calorie) instead of an entree, allow yourself a glass of wine if you pass on the bread basket, and always order sauces and dressings on the side. To increase the chances that you'll adhere to these guidelines, make sure you take into account what's most important to you. If you really love dessert, for example, your dining-out policy should reflect that.
No matter where the calories come from, consuming more than you burn will eventually cause you to gain weight. Some foods are easier to overeat, however. High-energy-density foods, those that have a low fiber or water content, take up relatively little stomach space, so you may find yourself consuming greater quantities, says Dr. Cheskin. In this category: white pasta, meats, cheese and cookies. Since some of these foods provide other nutrients, you needn't purge them from your pantry. Instead, try to concentrate on eating more low-energy-dense foods (fruits, vegetables, broth-based soups, salads and whole-grain cereals with low-fat milk) and you'll fill up on fewer calories, says Rolls.
"Dairy foods like skim milk and low-fat yogurt top the list," says Michael Zemel, PhD, a professor of nutrition and medicine at the University of Tennessee in Knoxville. In a study of 34 otherwise healthy obese adults, those who consumed three servings of light yogurt (for a total of 1,100 milligrams of calcium) daily lost 22 percent more weight and 61 percent more body fat than those on a low-dairy (500 milligrams of calcium) diet. Zemel explains that a high-calcium diet-1,200 milligrams per day-inhibits the production of calcitriol, a hormone that "tells" cells to generate more fat. Conversely, more calcitriol is released on a low-calcium diet, resulting in bigger, plumper fat cells. But supplements alone won't suffice; you need to consume dairy foods. "Bioactive compounds in milk, yogurt and cheese work with calcium to nearly double the effectiveness of fat burning and weight management," says Zemel.
If you're overweight and don't exercise regularly, yes. Limit your intake of simple carbohydrates, such as cookies, cakes, power drinks and soda, says Fran Kaufman, MD, immediate past president of the American Diabetes Association. These foods can cause blood sugar to rise rapidly and prime the pancreas to release insulin. Over time, the consistent release of this hormone can pave the way for type 2 diabetes, a condition in which the pancreas doesn't make enough insulin and the body's cells don't respond properly to the insulin produced. To prevent or delay the onset of this disease, lose weight if you need to and work out regularly, says Dr. Kaufman. Exercise helps metabolize excess circulating blood glucose; weight loss helps your body use insulin more efficiently.
Are you feeling jittery or experiencing insomnia or heartburn? If so, you may want to go easy on the joe. "On average, most adults will notice no side effects from caffeine at 300 milligrams or fewer a day," says Herbert Muncie Jr., MD, chairman of the department of family medicine at the University of Maryland School of Medicine in Baltimore. That's the caffeine equivalent of roughly 28 ounces (or three and a half cups) of regular coffee. If you're pregnant or trying to conceive, "reduce your intake to one caffeinated beverage a day," says Lisa Mazzullo, MD, an assistant professor of obstetrics at Northwestern University Feinberg School of Medicine in Chicago and coauthor of Before Your Pregnancy (Ballantine, 2002). Consuming too much caffeine may increase your risk of low birth weight or miscarriage.


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The Essential Latin: What You Need to Know
- Tuesday, May 10, 2011
Ibid. ibidem in the same place Used in research to indicate that the source cited is
the same as the last one mentioned.
id. idem Means the same as ibid., but is used more commonly in legal documents
i.e. id est that is Used to further explain something. (Example: Please list members of your immediate family, i.e., mother, father, brothers, and siblings
lb. libra a pound Now used to denote the measurement of a pound.
M.O. modus operandi method of operation Police sometimes use this to describe the usual way a criminal operates.
N.B. Nota Bene Note Well Often used in research and can be used to note important comments in textbooks or notes.
No. numero Number (Example: Please note page no. 54.)
non seq. non sequitur it does not logically follow
p.d. per diem per day (Example: The worker was paid $50 p.d.)
P.S. Post Scriptum written after (the main letter or document)
R.I.P. Requiescat In Pace Rest in Peace Sometimes seen on tombstones.
vs. or v. versus against or in opposition to
Amelia Harper is a homeschooling mother of five and a pastor's wife. She is also the author of Literary Lessons from the Lord of the Rings, a complete one-year literature curriculum for secondary-level students. In addition, she is an English tutor and a freelance writer who contributes regularly to newspapers and magazines. For more information, go to http://www.homescholarbooks.com.
Copyright, 2011. Used with permission. All rights reserved by author. Originally appeared in The Old Schoolhouse®Magazine, Winter 2010-11.
Visit The Old Schoolhouse® at www.TheHomeschoolMagazine.com to view a full-length sample copy of the print magazine especially for homeschoolers. Click the graphic of the moving computer monitor on the left. Email the Publisher at firstname.lastname@example.com.
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skywalker58 Wrote:
Dec 06, 2012 11:44 AM
AS I said yesterday, we don't have a gun problem, we have a culture problem. We have a culture that glorifies violence and then wonder why violence happens and try to blame a tool. We have a morality problem. Right and wrong is said not to be easily defined and progressives try to make everything shades of gray. In an anything goes society, what used to be unthinkable becomes commonplace, No one wants to be held responsible for anything. They all want to blame something else. I robbed because...I murdered because....Welcome to progressive world.


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Goddard College at Sundance
Goddard College at Sundance
Goddard Videos
In January 2011, Goddard College staff and students traveled to the Sundance Film Festival in Park City, Utah to support and attend Goddard faculty member Alrick Brown's feature film, "Kinyardwanda," inspired by Executive Director Ishmael Ntihabose's stories of survivors of the 1994 Rwandan genocide. They discussed Goddard's influence on their artistic practices and their lives with Kris Gruen, Executive Director of WGDR/WGDH, Goddard College community radio.
Goddard Videos
Watch More Goddard Videos
This film, made in 1970, was a collaboration between the Goddard College Admissions department and the film students.
Goddard History
Students & Alumni
As 2012 draws to a close, the Goddard College community sends you best wishes for a Happy Holiday season and a wonderful New Year!
Here are a few highlights from the year for you to enjoy... more
Goddard History
Will Hamlin taught at Goddard from 1948 to 2001. He cared deeply about literature, art, education and the natural world, and served Goddard for fifty years in his renaissance fashion. He was... more
Goddard History
Lexi Heiser is a student in the undergraduate program earning her BA in Individualized Studies (IBA) at Port Townsend, WA. She originally attended Goddard College in Plainfield, Vermont. During... more
Individualized Bachelor of Arts


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Charlotte Brontë on Jane Austen
I have likewise read one of Miss Austen's works—Emma—read it with interest and with just the degree of admiration which Miss Austen herself would have thought sensible and suitable. Anything like warmth or enthusiasm—anything energetic, poignant, heart-felt is utterly out of place in commending these works: all such demonstration the authoress would have met with a well-bred sneer, would have calmly scorned as outré and extravagant. She does her business of delineating the surface of the lives of genteel English people curiously well. There is a Chinese fidelity, a miniature delicacy in the painting. She ruffles her reader by nothing vehement, disturbs him by nothing profound. The passions are perfectly unknown to her; she rejects even a speaking acquaintance with that stormy sisterhood. Even to the feelings she vouchsafes no more than an occasional graceful but distant recognition—too frequent converse with them would ruffle the smooth elegance of her progress. Her business is not half so much with the human heart as with the human eyes, mouth, hands, and feet. What sees keenly, speaks aptly, moves flexibly, it suits her to study; but what throbs fast and full, though hidden, what the blood rushes through, what is the unseen seat of life and the sentient target of death—this Miss Austen ignores. She no more, with her mind's eye, beholds the heart of her race than each man, with bodily vision, sees the heart in his heaving breast. Jane Austen was a complete and most sensible lady, but a very incomplete and rather insensible (not senseless) woman. If this is heresy, I cannot help it. If I said it to some people (Lewes for instance) they would directly accuse me of advocating exaggerated heroics, but I am not afraid of your falling into any such vulgar error.
—Believe me, yours sincerely,
C. Brontë.
-from a Letter to W.S. Williams, April 12 1850.


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Hi guys.
I am currently on a trial to a guild that means a lot to me. Apparently my dps is a little low. I will link logs. The fury warrior officer thinks I should be doing a minimum of 30k on some bosses. ( I recall doing 30k on nm Baelroc when I wasn't with a guild) So on a stand still fight my dps is alright. I tried to use land souls spreadsheet but it just won't let me sync my character so I'm lost as to what my max dps is. I know simcraft is around 28-30k on a patchwork fight.
I know my rotation ( I think > Check the logs I guess < )
Armory Link - http://us.battle.net/wow/en/characte...øtion/advanced
Logs for HM shannox- http://www.worldoflogs.com/reports/r...3/?s=351&e=533
Please help, not sure what I may be doing wrong.
**** NOTE THAT WHEN THIS FIGHT OCCURED I HAD RECLAIMED ASHKANDI in my OH ( NM) ****


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