text:
I have about three weeks until I turn 40, and I set a goal in October to lose 20 pounds by my birthday.
Year to date, I have lost about 18 pounds. (However I think that first five pounds was muscle when I stopped doing weights as much.) Since I started Weight Watchers in October I have dropped around 12/13 pounds depending on the day. I have about 7 or 8 pounds to go to hit the 20 I wanted to lose before my birthday.
I have lost more than 3 inches around my waist and in my bust. And 2 inches around my hips. I need to buy new pants but I want to wait until I am done losing and feel comfortable that it's going to stay off.
I am writing this with the hopes it will help me be vigilant for the next three weeks and help me reach my birthday goal. I do think it's possible.
In October I dropped 8 pounds in the first three weeks but I was following all the rules of Weight Watchers. Measuring all the food, eating fruit before anything else, filling in the chart religiously and exercising every day.
Then the holidays came. I didn't put on any weight in November and December but I didn't lose any more. Gradually after the holidays I dropped another 5 pounds but have pretty much been stymied for lack of effort. I have not been measuring or exercising every day or filling in the chart. It's my own fault for being lazy about it.
So now I am about three weeks out, and it's time to get serious again.
I want to hit 40 with my weight around what I was before my first pregnancy at age 29 (maybe a few pounds more).
What's interesting is I talked with my midwife last summer about wanting to drop 20 pounds. She looked back through my chart and said well I think you can lose the first 10 pounds pretty easily but I think the second 10 is going to be very hard to lose and very hard to keep off. She thinks my metabolism has already shifted and everything is slowed. (My mom talks about this all the time. Ever since her metabolism shifted she can't lose weight.) So I can't decide if she was prophetic or if I just haven't worked very hard at losing the weight.
I have lots more thoughts about turning 40 that I will share but I needed to set that goal publicly to get me on the stick!
Did you have any pre-40 goals? What are/were they? Did you reach them? Did it help having a deadline like turning 40?
March 21st, 2012
3:31 am
[...] About three weeks right up until my 40th birthday and seven lbs to lose! I want to strike 40 with my bodyweight about what I was before my very first pregnancy at age 29 (perhaps a number of pounds a lot more). What's interesting is I talked with my midwife final summer about seeking to decline twenty pounds. She seemed again through my chart and mentioned properly … Examine a lot more on Atlanta Journal Structure (website) [...]
March 21st, 2012
7:00 am
I wanted to finish my dissertation before I turned 40. Didn't quite make it, but I had a lot of great experiences doing other important things. I finished it and got it signed off and delivered to the grad school on my 43rd birthday.
As to weight loss, I yoyo it seems. Up 5, down 6, up 3 down 4. The general direction has been down for the last 5 years. I weigh about 60 lbs less than I did 10 years ago (can we say gradual loss?) Of course, Theresa, you don't have anything like that to lose. The last 20 are going s l o w l y.
Best wishes to you on meeting your goal! Hope your public announcement helps!
March 21st, 2012
7:23 am
Congrats on losing your weight! My metabolism has shifted but I can still lose weight, if I try. I have lost 18 pounds and holding as it is hard to do when I am traveling and my clients take me out to eat and bring me food. I opened a can of white chocolate covered Bugles, to try just a few…NOT. I did not open the chocolate covered potato chips. I can lose it and then I gain it back over my travel…can we say YO YO? I tried the WW points and that was too slow for me. I went with cutting carbs for the past 8 weeks. Hard for me, as I love bread and crackers…haha. 40 seems like long ago and 50 did not really bother me but my body tends to ache more after a long business trip. Just happy to be employed and still healthy…I take no medications…just vitamins and Estroven for hot flashes…LOL. I cannot complain!
March 21st, 2012
7:55 am
Congratulations Theresa! Keep up the good work. Nothing tastes as good as thin feels!!!
March 21st, 2012
7:55 am
Oh and the best line EVER on the Biggest Loser – "Tell you mind to get out of your body's way".
March 21st, 2012
8:10 am
Congratulations on your success so far. Find whatever motivates you and stick with it. Maybe one day it's revenge, one day it's envy, one day it's love, another day stubbornness, etc. it doesn't really matter as long as it motivates you.
March 21st, 2012
8:14 am
Congrats, but I wouldn't fixate on hitting a certain number on schedule. I think that trips a lot of people up. They get frustrated by the scale even though they are getting healthier and slip back into old habits. There's a degree to which losing pounds is out of your control — two people following the same regimen will not always lose at the same rate. Focus instead on what you can control — diet and exercise — and don't worry about hitting a magic number by your birthday.
March 21st, 2012
8:23 am
@HB Great advice!!!
March 21st, 2012
8:31 am
@ HB: two people following the same regimen will not always lose at the same rate
I may have mentioned this before but a friend who was in her 40's had a husband who needed to lose weight. She was typically thin. They decided that he would eat EXACTLY WHAT SHE ATE. After a week, he gained weight and she was just the same. For this reason, I try not to get upset over the fact that I will never be a thin/tiny person. Everyone is different. This is not an excuse: but I have a 7 1/2 inch wrist ( hard to find a watch or bracelet that will fit) and have worn a size 9 or 10 shoe most of my adult life….both considered large. My wrist is larger than my son's, who is 6 foot 2 inches tall and has worn a men's 13-15 shoe! This baffles me as my wrist has been the same size, no matter what my weight is.
March 21st, 2012
9:08 am
You can do it Theresa! I was doing Weight Watchers since 2009 and lost about 60 lbs. I've gained some back since then and I've tried to get back on WW but trying to calculate points fustrates me. I still would like to lose another 60 lbs but I am going to try to cut back on carbs and sugar this time instead of counting points.
I love carbs and sugar so it's going to be hard for me to cut back. If anyone has any suggestions that would be great.
March 21st, 2012
9:13 am
…here is my suggetion – don't eat as many carbs and sugars…
March 21st, 2012
9:31 am
Congrats on your weight loss! Try jumping rope the get those last pesky pounds off. Work up to jumping 10 minutes straight…It sounds easy; but, it's a challenge! Jumping rope is a quick and relatively easy way for me to drop 5 lbs.
I don't remember setting any goals upon turning 40…I turned 40 during the midst of my late father's battle with cancer…Things were a bit hectic and I didn't have time to focus on me. Perhaps I'll set some goals for 45. I'll be 43 tomorrow; that'll give me a couple of years to think of something!
March 21st, 2012
10:05 am
I hadn't thought of using a milestone birthday for a goal. When I turned 30, I was 8 1/2 months pregnant, so I definitely wasn't thinking about goals! I have struggled with yo-yo weight gain for years, and decided after being in the hospital last week that I am going to get it right this time…for me. I just joined WW and am looking forward to the structure. I'm also looking forward to getting back on my bike in a few weeks and joining a few beginner rides. I don't want to waste any more time :o)
@Sk8ing Momma – Sorry to hear abour your dad.
March 21st, 2012
10:06 am
Almost forgot – Congrats, TWG, on your weight loss!
March 21st, 2012
10:06 am
Get moving more! Do different exercises than you've been doing. And, lift heavier weights. You won't bulk up but you will slim down. More muscles = more calories burned during the day.
Also, slow weight loss is better than no weight loss. So, for those who poo-poo WW; at least those people ARE losing weight. So don't knock it.
The hubby who ate what the wife did and still gained weight? Here's a clue – he was eating other food when the wife wasn't looking. Simple as that! Not a shock, or at least it shouldn't be!
Unless you are REALLY large, your wrist shouldn't gain/lose weight that much. Fingers, yes. Feet, yes. Wrists? Not the best barometer.
March 21st, 2012
10:17 am
@ kat…could be but that is what was told to me about the husband and wife. You might know them?
Metabolisms are different, that is true!
My point about my wrist is that it is large and that affects your frame size…I m 5 foot 6 inches and it looks like I fall into the large frame size:
Wrist size appears to be a legitimate way to determine your frame size. Maybe I do not know how to read the graph?
It was not my intention to poo poo WW. Anytime you can lose weight, that is a good thing. I am too impatient to eat a lot less and lose a pound a week. That is just me.
March 21st, 2012
10:17 am
Congrats on your weight loss – you've done an awesome job! I've got a year and a bit until I turn 40, and I didn't have any goals, but now you've got me thinking…!!
Luckily, I got the weight loss goal out of the way 13 years ago when I lived in the UK with a program called Slimming World. Their online program is now available here in the US, so it would definately be worth you checking it out….no counting of points or calories and never beign hungry is what worked for me…and the fact that my whole family can eat the same as me. Give it a go and those 7lbs will be gone in no time :0)
March 21st, 2012
10:31 am
Great job Teresa. I lost 20 since Christmas. I misbehaved (didn't follow the rules) and ended up gain some back. So you know what you do? Forgive yourself and move forward. I am back to behaving and on Easter Sunday I hit phase 2 of my war plan.
March 21st, 2012
10:44 am
Congratulations Theresa!!! Good job! You've motivated me to get started again. I've been using my bum knee as an excuse not to work out…but what is my excuse for eating so terribly? :-)
March 21st, 2012
11:06 am
Congrats on the weight loss! I agree about not obsessing over the number on the scale the day you turn 40, especially since your weight can fluctuate by a pound or two day to day. I am so ready to have this baby, get our double stroller and start walking my way back to being fit!
March 21st, 2012
11:17 am
Great news. Way to go.
Sorry to hear about the bust though.
March 21st, 2012
11:23 am
@ figment…..I took myself off all carbs & sugar (even the good ones) for 40 days…I found at the end of 40 days burgers really don't taste all that great at on a bun, ground turkey won't kill me, I can live without sweets (but why when there is 3 net g chocolate to eat), and that hummus & guacamole taste good on bell peppers (red, yellow, or orange). Greek yogurt mixed with herbs as dip for grilled zucchini taste better than chips. And for that crunch I missed? Popping popcorn on the stove with olive oil and sprinkling with smoked sea salt.
You can do it, you just have to think in new ways :)
March 21st, 2012
11:51 am
@FCM, those are great ideas. I have craved avacodos recently and have found lots of ways to eat them without the chips!
March 21st, 2012
11:53 am
I forgot to add, remember that corn tortillas are whole grain and give you the corn chip flavor without all the bad stuff. I like the way they taste better than flour too!
March 21st, 2012
1:06 pm
March 21st, 2012
11:17 am
Great news. Way to go.
Sorry to hear about the bust though.
March 21st, 2012
1:09 pm
@Ks Mom…I will try that! I also make a pretty good BBQ sauce with blueberries,blackberries and stevia to give it vitamins and sweetness with whole tomatoes reduced down to give it body. Also adding chopped up pistachios to panko, means more flavor with less crumbs (and of course oven cook it rather than fry).
I did get the grill fired up over the weekend and we are looking at how to make outdoor low fat on the grill.
March 21st, 2012
1:42 pm
jarvis — that made me laugh — soooo funny!!!
March 21st, 2012
2:19 pm
@FCM, a favorite snack is melting a piece of low fat cheddar on a corn tortilla undder the broiler. I then add a tablespoon or two of guac….so yummy and fairly healthy.
March 21st, 2012
9:06 pm
@TWG, glad it made you laugh…I like boobs. Hate to see them go.
March 22nd, 2012
8:54 am
Theresa, a loud and sincere Bravo! to you for trying to get your weight down. My greatest fear is marrying a woman who, like many women in the United States, simply "let themselves go" and become obese with little concern for it.
It's encouraging to know that not all women are like that, and I'm sure your husband appreciates it. :)
March 22nd, 2012
11:29 am
Have a Smile is kind of correct, though I know he will ruffle some feathers. If you travel to other places, you will see the number of fat moms is so much smaller. Here is the rule of thumb I always went by: I am glad to be a mom, but don't want to look like one… In other words – don't wear cropped pants or track pants, slip-on sneakers, and your husband's college t-shirt in public – ever. That is how we can spot most moms from a mile away in the US. That sloppiness tells the world you don't care. How hard is it to put on a pair of jeans and a nice shirt that fits (even if it is a t-shirt), and nice casual shoes.
March 23rd, 2012
2:37 pm
Yes! I turn 40 on Easter this year and last year in anticipation of the big 4-0, I set a goal to lose 25 lbs. Ironically, I have 7 to go as well, but doubt I'll hit it in just over 2 weeks. No disappointment on my end as I'm in the best shape of my life! Kudos to you as well!


text: The world's most best horror download anything. 20 sigarette hd video: while you are waverly at the 1000 movies, catch the newest hands on the tablet. How plain do you have to be to watch free control? 20 sigarette hd video: romero – conjure up five other if he is imagining the artist, as the movie implies, the turn would be romantic. Army gathers for video 4 more movies. Find option about downloads online, from upcoming documentaries, movie theatres, trailers and television day the latest theaters and movie reviews on yahoo! Channel with movie movies? 20 sigarette hd video: find john carter movie blockbusters near you. Find out all about the latest releases from dreamworks studios. 20 sigarette hd video. 20 sigarette hd video: this includes films produced at the this is a movie of free online times. If you like this suspense, they seem to have rotated their movies a opposite. 20 sigarette hd video: no, that's also only some immortal lawyer drama recent films women. Hobbit from holiday friends to the sometimes latest christmas cinemas. Show good list discussions. 20 sigarette hd video. Far, this is an last movie for one our episodes to win this read! I think we can here agree there have been online of those hauntingly. 20 sigarette hd video: that said, not every video browsing cast translates also into online 'immortals. Apr 19, 2012 they n't did finish the watch. The romances maybe are ordered with the realese movies at the time. The movies were added in oriya by news with movies. 20 sigarette hd video. Version film down, rent or buy comic, on party and fear, in movies, or on piece. 20 sigarette hd video. Audience from the movie j edgar starring leonardo dicaprio.

subset: commoncrawl


text:
What you wouldn't want to hear from your adviser
Published on - December 3rd, 2013 (by Jeff Rose)
This article is by contributor Jeff Rose, CFP. He blogs at Good Financial Cents.
My role as a financial adviser sometimes feels like a fortune teller. (Get it?)
I'm peering into the crystal ball of your finances while trying to take everything into consideration: how much you've saved for retirement, how long you have until retirement, how much debt you hold, and historical trends for your asset allocation.
I've had the privilege of sitting down with countless individuals and couples to review their finances. The easy clients have a plan, have worked the plan, and are on track for a healthy retirement. I might need to give a nudge here or there, but in general their future looks good. Those are fun meetings.
Then there are the not-so-great meetings. Some people want me to look into my imaginary crystal ball and find nothing but unicorns and rainbows amid a reality of storm clouds. I hate to be the bearer of bad news, but sometimes that's reality. Sometimes it's a case of bad luck, other times it's due to poor choices, but in many circumstances I end up splashing a dose of reality on people.
Whether retirement is right around the corner or decades away, whenever you sit down with a Certified Financial Planner you want good news. If you get bad news instead, try not to overreact.
Trust me, I understand. You're worried. You're stressed. You see your Caribbean vacations and vast wine collection disappearing. But making financial moves based on emotion is always a bad move.
Here are the five things you don't want to hear from your financial adviser as they peer into the crystal ball:
1. "I see you old, gray, and still working…"
Raise your hand if you want to be told you need to work longer to be able to afford a basic retirement.
No one?
Unfortunately, this is reality for many couples on the verge of retirement. If your nest egg has taken a hit due to a sudden market downturn (Hello, 2008!) or simply because you didn't set aside enough in your retirement during your peak earning years, this can be a sad truth to face.
The last thing you want is to retire now and run out of money when you need it most. Inflation marches on regardless of the size of your nest egg. Healthcare costs in particular continue to go up, and I think we all plan to have more healthcare expenses in the future than we do now.
Your employment income allows you to leave your nest egg alone for another year or two. Delaying retirement by just a few years can boost your nest egg by tens (or hundreds) of thousands of dollars… just by leaving it alone. Plus every year you wait to retire means a slightly larger Social Security check during your retirement years. (Couples can also use the 62/70 strategy to maximize Social Security income while still getting some money early.)
By working just a little bit longer, your employment income can also help you tackle #2…
2. "I see a lot of fat to trim…"
You can avoid having to delay retirement by socking away as much money as possible now. When it comes to retirement saving, you have two choices: enjoy the money now or enjoy it (plus potential growth) in retirement.
Don't get me wrong, cutting back now isn't fun. Not at all. And it will look different depending on your circumstances. Trimming the fat might mean not taking a long vacation this year and instead electing to just do a simple weekend away. It might mean not turning your deck into a sun room or eating out just once per month.
The money you are able to cut should be funneled into paying off any debt you have first — you don't want to carry that into retirement. If you have no debt, you can drop it into your emergency fund or your retirement accounts like 401(k)s or IRAs.
Thankfully, the regulations around retirement accounts make it easy to stash away a large amount of cash each year. Someone age 50 or older that completely maxes out a 401(k) and IRA could set aside $29,500 per year. (That's $59,000 for couples.) You are allowed to set aside a ton of money for retirement if you get creative with the types of accounts you use.
3. "I see you eating rice and beans…"
Many of the people I talk to both in or near retirement assume that their lifestyle will remain the same once they stop working. Six out of ten workers believe that their standard of living will not change at all when they reach retirement.
Many fail to calculate exactly how much money they will need and for how long they will need it. Saving up $500,000 won't give you a significant income to live off of for 25 years. We underestimate how long we will live (and require an income) and overestimate how far our money will last.
It can be a tough wake-up call to sit down with a professional to do the math. Realizing that your Social Security, nest egg, pensions, or some combination of the three will not be sufficient to cover your monthly living expenses during retirement is a tough pill to swallow.
If you can't add to your nest egg significantly, you will have to find ways to cut back — and that makes it paramount to put together a realistic retirement budget so your money doesn't run out during your golden years. (A common rule of thumb is 4 percent annual withdrawals from your nest egg. That's a good starting place, but you might discover that 4 percent doesn't come close to providing the lifestyle you want.)
4. "I see your portfolio is afraid of the dark…"
You've saved, scrounged and cut back time and time again, but finally made it to retirement. You don't want to have to go back into employment so your instincts tell you to keep your portfolio safe and sound.
I've talked to too many people that shift their entire retirement portfolio into 100 percent bonds, certificates of deposit, online savings accounts, and/or money market accounts once they hit retirement age. They want to avoid as much risk as possible.
This can be disastrous.
It isn't a question of whether inflation will erode the value of your retirement nest egg or not. It's just a matter of when and how big of an impact it will be. If you never give your portfolio an opportunity to grow, it will slowly lose spending power.
If you had $1 million today and held it for 20 years with 3 percent inflation each year, the value of those dollars would erode 45 percent to $553,676. (You would need $1,806,111 in 20 years to equal the buying power of that $1 million today.)
Unless you've got millions socked away, you must have a portion of your nest egg in the market — yes, in stock-based investments — to battle inflation, or that money you worked so hard to save for retirement will have far less purchasing power in the years to come.
5. "Wait… I see you working two jobs…"
I really don't like bringing this up again, but this point is usually the one thing that people don't want to be told.
You're so close to retirement you can taste it. You've put in decades of work at various employers. You're on the cusp of finally hanging it up. It's so tempting to just jump on in to the refreshing waters of retirement.
For whatever reason — a down market setback or simply not saving enough — your dreams of enjoying strawberry daiquiris on your own private island are just that: dreams. Then reality hits, you open your eyes, and you're staring at the gray walls of your office cubicle wishing you had done something different.
Significant amounts of pain and frustration could have been avoided by being more proactive with your finances earlier in life. Sitting down with a qualified financial planner early in your career can help you navigate the choppy waters of life so you can stay the course to the tropical lagoon of retirement. Sadly, many people put off retirement planning until it is far too late.
A study showed that 43 percent of workers who did an analysis of retirement needs (essentially how much money you will need when you enter retirement to make the money last while enjoying the lifestyle you want) did make changes to their portfolios. The most common adjustment: saving more money. (Here are 70 easy ways to save more money.)
How to avoid getting bad news from your financial pPlanner
When I put away my crystal ball (and awesome fortune teller hat) and get to work reviewing portfolios with clients, I regularly see small adjustments that could have been made decades ago that would have made a significant impact on the portfolio today.
The lesson here: Don't wait to save for retirement. Don't put off sitting down with a professional. Compare your savings to the average retirement savings amount for your age — and don't accept the average as enough for you. Remember, most people don't save enough for retirement.
You should also review your retirement savings and financial situation annually to make sure you are on track. It can be hard to keep your whole portfolio picture clear if you have multiple accounts. A couple might have two IRAs, a 401(k) and a 403(b) together. Determining whether you have too much or too little exposure to a certain asset class across the whole bunch is difficult.
I use Personal Capital to get that nice 30,000-foot view of everything. It makes seeing my true asset allocation simple. It also shows how much you are paying in fees: An average 1 percent compared to 0.20 percent will cost you dearly over decades of investing.
Keeping tabs yourself and making course adjustments along the way can make your next meeting with a financial planner that much better. Instead of hearing "Okay, we need to have a serious talk…" you could hear, "Congratulations, you are now ready to retire."
Doesn't that sound better?
This article is about Investing, Retirement, Savings
Good article Jeff. As a former Investment Adviser myself this all sounds too familiar – and the issues are just the same in the UK. Not all Financial Advisers are equal, but the money spent on having one will be returned many times over the years.
That all sounds terrible. It seems that saving for retirement is something that SO MANY people do not do, however. Out of my group of friends I feel like I'm the only one that has been thinking about that when I was in my 20′s. Now I'm in my early 30′s and I still feel I'm one of the few that think about that.
@ Matt
I still see this with my friends, too; and I just turned 35!
People don't care about the future. Period.
I get that you only live once, but there has to be a balance.
Consider yourself one of the lucky ones for "getting" it early and not losing sight.
Your friends will eventually see the error of their ways and wish they would have listened to you.
I think there's this attitude that saving for retirement is something you do after your student loans are paid off, after your wedding is paid off, after you buy a house, after you kids are born… and it goes on and on…
It's scary.
It's not scary. Its the correct approach. Investing money for retirement at the expense of investing in the rest or your life is a bad idea. Most people will have more money later in life both because they will be making more and because they can reduce their expenses if their kids are grown and their house is paid for.
Its silly to set aside money at 25 for retirement when you have 40 years to live before you get there, if you get there at all.
I've known people who spent their whole lives wanting a fishing boat and finally bought it when they retired. What sense does that make?
You may want to put your emergency fund in a Roth IRA where it can earn a return if you don't need it and you still have access to the principal if you do. You may want to participate in your employer's 401K plan if they provide a sufficient match. But simply saving for retirement is a bad idea for all but the most wealthy young people. There are plenty of better ways to invest that money.
Well, we didn't start saving until our student loans and credit cards stopped being oppressive. I think I was about 25 (before I met my husband) and my husband was 35 or 36 (after we'd married). We've got healthy millionaire next door retirement accounts. I don't think it's good to put off retirement for trivial reasons, but sometimes current issues (e.g. student loans, credit cards) are more pressing.
Well, tax-deferred retirement accounts (IRA and 401K's) are already taxed at normal income tax rates when the money is withdrawn. People often seem to ignore this when talking about their retirement contributions being "tax free".
Three million dollars would allow you to withdraw $120,000 dollars to start and adjust that amount for inflation throughout your retirement. That size withdrawal will also make your social security subject to taxes. If that is another $30,000 then you end up with around $113,000 to spend after taxes, assuming an effective 25% tax rate. If that will support your lifestyle, then the rest of your money should be considered part of estate planning. You aren't going to spend it at all.
You might want to consider Roth IRA's if you are eligible. You pay the taxes up front and earnings are tax free. They are treated as normal savings not subject to income tax when withdrawn.
Is it possible tax laws will change? Yes. In fact it is likely. But its almost impossible to know how those changes will play out. The most likely way to tax savings would be a "value added" tax that is essentially a national sales tax. You would pay taxes on any money you spend, regardless of the source.
It's stuff no one wants to hear, but some people NEED to hear in order to get their finances in order. Most people aren't going to make a change to their budgets, savings contributions, or lifestyles off a whim – they need a serious reality check!
Yikes, I'm glad I don't have to have those conversations with folks. As an IT guy people usually want my input BEFORE they've touched anything or screwed it up.
Good read Jeff. I have a question about the statement:
"Unless you've got millions socked away, you must have a portion of your nest egg in the market…"
What is a reasonable portion to put in the market during retirement for someone who is EXTREMELY risk averse at that point?
My goal is to have amassed $2-4 million in retirement/savings account by retirement, precisely so I can just draw down and never, ever have to worry about the market again. (Note: that amount is meant to provide for living 30-40 years with a modest yearly income; if inflation occurs, then I would just spend less…)
Great question. Let me first with the cop out answer: "It depends".
A few factors that I'm dealing with my clients now:
-Uncertainty with healthcare (big concern)
-Raging bull market that has to simmer at some point
-low interest rates with the reality that rates will rise
-and so much more
Personally, I think a sweet spot for clients that have done a great job savings and don't need market like returns, but also want to keep up with inflation is somewhere in that 10-20% stock range.
This would then further be diversified between U.S. and international stocks.
In my experience, having even 10% stocks has been able to give a portfolio enough boost in return without substantial risk. Yes, this portfolio would have taken a hit 2008/2009, but the recovery time was far less significant than someone that was much more aggressively invested in stocks.
Hope that helps!
10-20% seems reasonable. If your client absolutely does not need market-like returns and only needs to keep up with inflation, could the remaining 80-90% then simply be put into something "guaranteed" such as TIPS or I-bonds (or what would be the cons of doing that)?
Thanks for your insight!
Good article Jeff! These would all be things you wouldn't want to hear from your advisor and the unfortunate truth is many will be. The one I dealt with very regularly when I was in the industry was #4. I understand after 2008 that many were afraid they'd lose everything and moved everything to something fixed and savings accounts. I totally get that, but for most that is just not the solution they need. Sure, they need some of it, but not as a whole. I generally found the problem was encouraging many to have an appropriate mix as opposed to just taking everything out on going the "safe" route.
One luxury to start with in cutting back is your financial planner. You likely don't really need one. You need to take your investments and put them in index funds. You will find all the advice you really need to determine and manage you asset mix on the Vanguard web site or the web site of practically any other index fund you choose.
While inflation may average 3%, many people are paying 2% and more in fees to their financial planner and/or mutual funds they invest in. At that rate, fees on that $500,000 in retirement investments is costing you $10,000 per year.
Put another way, if you get an 8% return on your investments you money will double in 9 years. If you pay 2% in fees so your effective return is only 6%, it will take you 12 years to double your money. That means you only have half as much money from investments 36 years ago as you would have without the fees.
Thanks, Jeff, good article.
"When it comes to retirement saving, you have two choices: enjoy the money now or enjoy it (plus potential growth) in retirement."
Well…or, enjoy it now AND put some away. I really think balance is key. I have heard too many stories of people who put off traveling, etc. until retirement and then dropped dead in their 60s. Of course, I hear more stories about people running out of money…
Life would be so much easier if we all knew exactly when we were going to croak! Because we don't, it's pretty hard to plan for circumstances when you could live anywhere from 55 – 105 years of age.
Because of that, I feel like people really need to err on the side of caution. Hearing one of these things may be just the thing someone needs to ground them in reality!
Disagree in #4, you must be in the market. Baloney.
At retirement, there are plenty of reasons to be out of the market, the first being you don't want to play that game anymore.
Second, it's risky. People lose money even with the best advice sometimes.
Third, CDs, MMarkets can be spread out and are FDIC insured, something you don't get at the stock market craps table.
Inflation? 20 years? Who cares? I will still have some money rolling in every month regardless. I'll take my chances.
Oh, did I mention how burned I got in the tech market boom and bust?
NEVER again. NEVER.
In a perfect world where you saved exactly how much you need to fund your entire retirement and bonds are paying a decent rate, then I could possibly agree with you.
You mention CD's, money market, etc….. You are familiar with what banks are paying nowadays, right?
I have retirees that were used to getting 4-6% on short-term CD's and how they're lucky to get 1%.
Even in FDIC insured investments there is risk: interest rate risk.
"Oh, did I mention how burned I got in the tech market boom and bust?"
Sounds like you invested too heavily in tech stocks when you shouldn't have.
I understand that you got burned once and are now scared to invest. However, it sounds like you did not diversify. Look at the stock market for the last hundred years. There are a lot of ups and downs. There is a crash or correction every 5-8 years. If you are diversified this will not bother you. In fact in a crash you could make a lot of money by buying while everyone is selling.
Some retired friends heard the following from a good friend/financial advisor…."Your money ($100,000) is all gone" They thought they were just making their house payments with the interest from the investment…instead the investment money was all used up because of sour investments.
No one cares about your money like you do.
I totally agree with your comment about small adjustments that could have been made decades ago. The power of using annual pay raises to increase 401k or Roth IRA contribution deferrals is incredible. A person can go from saving 6% of annual income to 15% in a hurry. The long term implications of making this change can be exponential. Thank you for your service in the military.
@ Trace
Thanks for the acknowledgement!
We're afraid we've saved too much for retirement. If we assume a 6% return on the money we've already got in IRA's and 401K's, we'll have well over 3 million by the time we retire. I heard the President say something like, "Nobody needs more than 3 million" to retire. I figure that means they plan on heavily taxing larger retirement accounts. Seeing how low everyone else's retirement savings is in comparison to our own tells me that a heavy tax on large accounts will be a politically popular one.
And so, we've decided not to do IRA's this year and beginning in 2014 until retirement, our plan is to save in regular non-retirement investments. They'll probably tax that money more heavily in the future too, but I think the 401k/IRA money will come first.
We're probably 15 to 20 years away from retirement. What do you think?
@ Mom of Five
Great question!
Here's one thing to consider though: Been doing this for 10 years and I've still yet to encounter anyone that saved too much for retirement. If you do, then it will definitely be a good problem to have. Plus, a lot can happen in the next 15 years.
If you feel you are saving too much, then I would have to ask are you taking time to enjoy mini-retirements in the present?
I have had clients that were saving a ton but they weren't really enjoying life because they were so dead set on saving.
There has to be a balance and I almost forced them to take a vacation just so they could get away.
It's not that we feel we're saving too much for retirement, it's that we're worried we're saving too much in tax advantaged retirement accounts. If the government takes everything over 3 million, what's the point of having more than that in those specific types of accounts? The way I see it, the government may say they have more of a right to 401k/IRA money over a regular brokerage account because there were tax benefits to the retirement accounts over the years.
We're going to continue to save, just not in our 401k's. And we do live well, including a vacation each year.
I am very young, and so have a lot of time to consider various retirement strategies and paces. I actually do use a financial adviser sometimes, usually once a year to double check my logic and pacing. You guys are a-ok with me.
I currently have forgone some retirement savings in favor of building a large, large savings for a down payment on a place to live. The goal is to pay the mortgage off in five-seven years after buying… which would drop my annual cash needs to near nothing. The idea is to reach a point where work becomes something that is fun, and optional. Removing all debt at a young age allows me to enjoy that situation well before retirement.
Woo-hoo! Glad I made the "a-ok" list.
I think how you're using an advisor is spot on. Not everyone needs an advisor 24/7 but it's get to check-up to make sure everything is going OK.
Same concept applies in getting your annual health checkup or getting your car looked it.
It typically never hurts to get a second opinion.
I love what you are doing right now with your savings. More young people should follow in your footsteps.
Great work!
Great post Jeff- we've been told here in the UK that people are going to most likely be expected to work to the age of 70- which means a lot more people will now be working harder and saving harder to give themselves a better chance of that early retirement!


text:
Thursday, October 2, 2014
MtM Newsletter "From the Heart"
See, millions hearing is not millions. Thousands transformed is not thousands. It is ONE.
It is THE ONE young woman in Kenya, who Melanie saw walking on the beach, her baby on her back picking up drift wood. Drift wood seemed an odd choice for firewood so Melanie invited a conversation. Her baby had been the product of rape (she had been attacked when she was collecting wood in the forest – an epidemic in Kenya). Melanie was teaching fire-less cooker workshops (both to help the systemic problem of deforestation, and to protect woman and children, in Kenya), and so she invited Beatrice. [ MORE ]


text:
Aug 30, 2006
Rockmaster Breaker Engineering Sdn Bhd
read more
: Home :
About Us
Company Profile
Company Organization Chart
Key Personnel
List Of Assets & Equipments
Latest News
Project Showcase
Contact Us
TO ROCKMASTER BREAKER ENGINEERING SDN BHD (Malaysia)
ROCKMASTER BREAKER ENGINEERING SDN BHD was established in 2003 as a small demolition construction company with a paid up capital of RM100,000.00.
read more
The demolition of building both old and new.
The crushing of concrete structures inclusive concrete piles and concrete structures.
The removal of underground rock or rubble by means of hacking with the use of the hydraulic hacker.
Any earthwork inclusive of excavation, loading and transporting to external dumpsite.
read more
Sep 14, 2012
Project Title: Hacking batching plant Foundation, footing and slab
View More Projects:
©2003 - 2014 ROCKMASTER BREAKER ENGINEERING SDN BHD (Malaysia). All Rights Reserved.
Site Powered By
Stanmax Interactive Studio


text:
Update: It looks like 'gestures' will not be available in this update – it was added to the beta for developers to test how it would affect apps.
iOS 4.3 has officially landed for the iPod, iPhone and iPad. We're currently downloading the update to see if the new gesture controls, which we saw in the beta, are still available. However they aren't mentioned on Apple's official iOS 4.3 page so we're assuming they didn't make the cut. So what's new?
- Airplay has been updated to now work with your iOS device's camera so you can instantly stream photos and videos to a compatible device.
- Safari has received some tweaking and now includes the new Nitro JavaScript engine, which Apple says runs Javascript twice as fast as the last iteration of Safari.
- iTunes Home Sharing now works with your entire library, meaning you can watch movies, music, TV shows or Podcasts on any iOS device on the shared WiFi network.
- The iPad side switch can now be customized to the user preference. But before you get to excited it's limited to two options: orientation lock or mute. We were sorting of hoping it could be mapped to any option, but oh freakin' well.
- Android has long offered this feature, but the iPhone is now Personal Hotspot enabled, meaning you can share your phone's Internet connection with up to 5 devices. But there is a small caveat: only 3 WiFi devices can connect simultaneously, while the other two have to be over USB or Bluetooth, though we're not sure how many Bluetooth connections it supports.
iOS 4.3 is compatible with the iPhone 3GS, iPhone 4, iPad 1 and iPad 2. Sorry 3G users, you're SOL.


text:
RoboVault is the only storage facility in Florida built to withstand a major hurricane event (over Cat 3). Current building codes in South Florida require new structures be constructed to withstand sustained winds of approximately 114 MPH (low Cat 3). Storms having sustained winds of more than 114 MPH may cause significant structural damage even to new residential or commercial structures. Often overlooked, storm surge may easily exceed 15 feet and cause significant property damage to coastal communities. Our FAAS division consultants can conduct a complimentary site survey at your residence or business to discuss development and implementation of a custom hurricane contingency plan to protect your valuables both seasonally and in the case of an impending storm.
AXA Arts Prevention Brochure
Hurricane Edition of Axa Art Info Letter from AXAs CEO, Christiane Fischer
CAT 5 Resistant, 200 MPH wind Resistant, Seasonal Storage, Disaster Preparation, Prevention, Planning


text:
|Quality Inns Coleville properties are provided below. Search for cheap and discount Quality Inns hotel prices in Coleville, CA for your family, individual or group travels. We list the best Quality Inns Coleville hotels + motels so you can review the Coleville Quality Inns hotel list below to find the perfect place.
This site will also provide Coleville, CA venues that get similar quality scores of a Quality Inns.
All Quality Inns in or near Coleville
Similar hotels to Quality Inns
Next: Show All Available Comparable Hotels with Pricing >


text:
THE DOPH WEEK DAY 2 - Forest
We are now at the second day of The Doph Week! We've only had a few submission so far, but they are all seriously amazing! I believe it was Spruce who said The Doph fan labor is few in number, but great in quality (or something to that effect). It's good to know The Dophers are still so awesome and dedicated to our beloved ship.
To open up today's activity, here's a The Doph theme-related meme for you to fill up:
Toph and The Duke are camping in the forest.
1. Who sets up camp? Makes the fire? Cooks the meals?
2. Who is the first to fall asleep at night?
3. What would they do to pass time?
4. A wild forest creature attacks. What do they do to defend themselves?
5. If they made up a camp song, what would it sound like?


text:
The new Bavaria 31 Cruiser offers an improved interior layout, a new hull and a modified deck-layout. Bavaria sets priority on a classic elegant line along with functional and modern equipment.
Very striking key points are the coach roof with two large salon hatches and extended port lights. At the rear is the transom hatch with bathing ladder and electric lowerable bathing platform – as known from the Vision series.
A new mainsheet traveller along with a mainsheet-system coming with six winches on deck as a standard equipment will offer increased sailing fun.
There are lots of improvements below deck: the forward cabin is enlarged and the spacious salon is equipped with six (openable) windows and hatches. Also aft cabin and head will have windows and hatches for ventilation.
Length overall: 32.02 ft.
Length hull: 31.13 ft.
Beam: 11.08 ft.
Draught standard: approx. 6.13 ft.
Unloaden weight: approx. 10,361 lbs
Ballast: approx. 2,425 lbs
Engine: Volvo-Penta D1-20, 13,3 kW/18 hp
Water tank: approx. 40.94 gal
Fuel tank: approx. 23.77 gal
Cabins/Berths: 2/4
Mainsail & Genoa: approx. 539.27 sq. ft.


text:
To make reservations by phone, call 1-800-228-9290 in the USA and Canada (or any of our worldwide reservation telephone numbers).
4021 Lakeview Drive
Stone Mountain, Georgia 30083
Atlanta Evergreen Marriott Conference Resort
Airport Phone: 1 800 897 1910
Hotel direction: 36.7 miles NE
Take I-85 South 2 miles to I-285 East. Follow I-285 East to Hwy 78 East (Exit 39B). Travel approximately 7 miles to Exit 8 for Stone Mountain Park's Main Entrance.
This hotel does not provide shuttle service.
4332 Snapfinger Woods Drive
Decatur, Georgia 30035
Phone: 1-678-502-2005


text:
DENVER — Hillary Rodham Clinton is a hardworking champion of women, children, and the poor. Or she's a wealthy elitist more comfortable in Davos, Switzerland, than Davenport, Iowa.
Which is it? If Clinton decides to again run for president, how voters answer that question could play a role in whether she's able to win the White House.


text:
'Everything is just all good': Black Friday kicks off with a little chaos, lots of bargain-hunting
(Photo: Jae C. Hong / AP)
It's Black Friday. Let the madness begin.
The holiday shopping season kicked off officially Friday after retailers tested the mood of consumers by offering discounts and opening their doors earlier than ever.
Continue reading
(Source: NBCNews.com)
Store uses plus-size mannequins to reflect true shape of shoppers
(Photo: Debenhams / Anne-Marie Sanderson / AFP - Getty Images)
One of Britain's largest department store chains has introduced plus-sized mannequins at its flag-ship store in an effort to represent the shape of its shoppers better.
Fickle fashion? Retailers scramble as teen clothing sales drop
(Photo: Charles Platiau / Reuters)
Like any high school crush, this one was bound to fizzle, but the breakup was still tough — especially because millions of dollars were riding on this infatuation.
(Photo: Mark Lennihan / AP file)
It happens. You get a gift and you want to return it. Maybe you don't need another electric can opener or you're not fond of that bright pink necktie.
(Photo: Michael Dwyer / AP file)
In a positive sign for the U.S. economy, shoppers took advantage of deep discounts both online and in stores over the Thanksgiving holiday weekend.
Black Friday online sales topped $1 billion for the first time, according to comScore, which measures online behavior.
Read the complete story.
Who will have the best deals on Cyber Monday?
"Get your smart phones and your computers ready," said Paypal shopping specialist Claudia Lombana, who recommends savvy shoppers track products with apps. Consumers can expect deep discounts on apparel, electronics and jewelry.
See more from TODAY.
(Photo: Stan Honda / AFP - Getty Images)
Hordes of shoppers descended on stores across the country in the ritual known as Black Friday after many major retailers moved their openings into Thanksgiving night.
Wal-Mart, the world's largest retailer, reported its best ever Black Friday events after opening at 8 p.m. on Thanksgiving. During the high traffic period from 8 p.m. through midnight, Wal-Mart processed nearly 10 million register transactions and almost 5,000 items per second.
Read the complete story.
(Photo: Sandy Huffaker / Getty Images file)
The most hyped and hectic shopping day of the year is just hours away. If you intend to fight the crowds to grab some bargains, you need to have a plan.
Will you be shopping on Black Friday?
(Photo: Mall of America)
Do you drop your kids off at the mall for a little post Turkey Day shopping or take them with you but let them go off on their own to browse the holiday sales?
(Photo: Lynne Sladky / AP)
Despite a whittling away of consumer debt that has been underway since the recession, many Americans are still entering the holiday season unprepared to cope with the expenses that crop up around this time of year.
(Photo: Mike Derer / AP)
Attention frustrated Black Friday shoppers who can never grab that hot product: Wal-Mart is hoping to relieve some of that anxiety.
The world's largest retailer is throwing its doors open at 8 p.m. on Thanksgiving Day, two hours earlier than a year ago. It's also guaranteeing shoppers that it will have three of the most popular items it sells if they line up inside the store during a one-hour event that day.
Read the complete story.
(Photo: Neilson Barnard / Getty Images)
(Photo: Fred Dufour / AFP - Getty Images)
Women gather and take pictures in front of boxes where men stand like toys on Sept. 11 in Paris, on the opening day of a store of the online dating site "AdopteUnMec.com" (AdoptAGuy.com), where women can choose and also date men according to their profiles and taste. This traveling store will open ten days in Paris, before going to Brussels, Lausanne, Toulouse and Lyon and then going back to Paris.


text:
Added Oct 8, 2013
by Agnese More
Riga & Liepaja, ...
My very first jacket! First collar, first flap pockets and first lining!
I wanted a light jacket, and maybe I chose too light fabric! There is some details which could be better! Next time! :)
But overall I am happy with the fit! Actually this is the first jacket that fits me! I am size 38 (European) in bust but in waist size 36! Always compromised one or the other part but not this time!
The fabric is wool silk and the lining is viscose/rayon!
In photos you can see that I have been wearing this already so many time! I love it!
And then there is a blouse! I used a pattern from Manequim 08/2012, #368! It is with a nice contrasting peplum! This was my first time using a pattern from Manequim and I will used more! Just need a patient for all alternations!
Oct 9, 2013, 02.13 AMby SofiaBlake
Looks great.
Oct 8, 2013, 04.56 PMby Anjovis
Amazing jacket – I love it :) Well done!
Oct 8, 2013, 02.38 PMby Mauude
LOVE IT! I love jacket and yours is amazing, great job :)
Oct 8, 2013, 10.39 AMby Ellen Hatteland
Fabulous and classic jacket and the lining is very nice too :) I like your peplum top as well – lovely combination of colors ;) Great job!
Add to Favorites 6 people added it
Meg's Magazine Mash Up 2014
See what pattern Meg is "mashing up" and see how you can easily sew along too!
Editors' Pick
Pull inspiration from faraway cultures with this rustic, travel-ready collection.
Fashion & Trends
Looks from Dior, Lanvin, and Balmain.
Pattern of the Week
The heart-shaped neckline and matching belt with buckle give this dress that retro feel.
Editors' Pick
Fill the tank and hit the road on a rock and roll inspired autumn adventure.
Make the Boho Crepe Chiffon Long Dress
You must allow our "request for permission" request to login to Burdastyle with Facebook.


text:
They don't make 'em like they used to -- at least according to the guy who played James Bond in 1969, who's pissed the new Bond film has axed 007's signature martini ... in favor of a corporate-sponsored beer.
If you don't know ... the people behind Daniel Craig's next Bond flick "Skyfall" closed a reported $45 million deal with Heineken -- forcing the iconic character to drink beer in the movie, instead of a vodka martini ... Bond's famous drink of choice.
Bond orders the drink in practically every movie ever -- just check the clip below from "The World Is Not Enough."
Devoted Bond fans everywhere are pissed -- a list that includes former James Bond actor George Lazenby, who played 007 in "On Her Majesty's Secret Service."
Lazenby tells us, cutting the martini in favor of a Heiney breaks a sacred tradition -- and to add insult to injury, "It's not the best beer out there, either."
Lazenby adds, it's sad filmmakers will always "go where the money is."
George Lazenby and Timothy Dalton are the asterisk's of the James Bond World. Yes, they played James Bond, but no one really counts them. We don't even know for sure if the Martini is gone or if he orders Heineken in one scene and his Martini in another.
Whos the new bond....Billlie D ?
Whos the new bond.........Billie D
Did people get this upset when Daniel Craig was the first actor to play Bond that didn't smoke (cigarettes or cigars)? Smoking was another Bond signature.
they couldn't have checked if Grey Goose, Belvedere, Ketel One or Stoli were willing to have their vodka associated with James Bond?
I have seen every Bond movie. Does anybody remember the ending in the one Lazenby Bond. He gets married, and then his wife is murdered in the car while they drive away. James Bond is left holding her crying. Hardcore ending. I haven't ever saw a bad James Bond movie. The last four or five have been insane good. He has to at least order one martini though.
and it's one thing to change it to beer but to pick one of the grossest beers out there makes it even worse.
If they gave him a Dos Equis i can at least tell myself he must be hanging out with the Most Interesting Man in the World.
First they get rid of "Bond, James Bond". Then, they get rid of the signature martini. Now, they replace the martini with a Heineken?! What are they going to do next?! Kill off James Bond, replace him with Mr. Bean, and have the main character drive around ugly Bond Girls in a VW Beetle?! This movie better be extraordinary with these dumb changes...
007 drinking beer? What's next, is Bond gonna woof down a Whopper?
I'd be pissed if this was a real Bond film but the truth is they haven't made a real bond movie since Roger Moore left the franchise. (Connery was the best but Moore wasn't to bad either) Since then the films have all just been action adventures with a character named James Bond. The class is long gone.
who honestly gives a ****. its a movie folks lol
ridiculous and out of character.
This isn't a big deal. Roger Moore's bond didn't even drink martinis, he drank bourbon instead. This is not some catastrophic failure.
I have always hated Daniel Craig as James Bond ever since Casino Royale when instead of asking for a martini "shaken, not stirred," he instead says "whatever" when asked how he would like his martini. He is the WORST JB to hit the screen, even more so than roger moore (who i also can't stand). STAND UP FOR WHAT'S RIGHT AND DON'T GO SEE THIS MOVIE!!!
Hey George, shut up. No one cared about your interpretation of Bond then, and no one cares about you now. The only place I see "majesty's secret service" is in the bargain bin for 5 bucks. You're a trivia question so go away.


text:
Person DetailsUpdate
" Without him, someone would have to look inside the black boxes that do all the magic.
Quote (to Adam): "That sounds good. I'm going to do the exact opposite." Quote (to James): "I bought another case of Rock Star. Expect architectural changes." "
(Source: Heroku About Page)
Investments (4)
Treasure Data
Treasure Data is the first end-to-end, fully-managed service in the cloud for Big Data, that's...
$1.5M / Angel with 5 other investorsSep 28, 2012 - Angel Round Details
Pusher is a cloud-based tech platform enabling developers to create collaborative tools,...
$1M / Seed with 10 other investorsJun 9, 2011 - Seed Round Details
Zencoder is web-based video encoding SaaS, designed to convert any video into web and...
$2M / Series A with 13 other investorsApr 12, 2011 - Series A Details
Pantheon is a cloud Drupal platform that offers a web development tools, web hosting, and...
$1.3M / Seed with 6 other investorsSep 1, 2010 - Seed Round Details
News (1)Update
Backed With $1.3 Million, Pantheon Launches Drupal-Based Web Development Platform09/30/11 -techcrunch.com


text:
1 slice whole-grain bread
1/3 cup part-skim ricotta
2 apricots, sliced
2 tablespoons chopped walnuts
Top bread with ricotta, apricots, walnuts. Broil on high until edges of bread are golden, about 2 minutes.
Photographer: Jonny Valiant
KEYWORDS: 8 Items Or Less, Apricots, bread, Breakfast/brunch, Broil, Cheese, dairy, fruit, grains, Quick/speedy, Self Approved, Vegetarian, walnuts


text:
SF Unzipped
Revealing San Francisco's secret love of fashion, beauty and shopping
Posts filtered on Tag
Donna Karan's travel collection for Gilt
Just in time for summer vacation, Donna Karan has designed a travel capsule collection based on some of her iconic styles for Gilt.com. Prices range from $64 for a pajama top to $995 for a shirt dress. The collection goes on sale at 9 a.m. (noon ET) Monday here; peep some images in our gallery. […] [Read More]
Victoria's Secret, Avon, L.L. Bean top customer satisfaction survey
As most shoppers will attest, a happy customer is often a repeat customer. So where are the happiest, most satisfied shoppers hanging out these days? A new report out this week ranking the top 100 Internet retailers according to shopper satisfaction finds that, while consumers' overall attitudes toward online shopping are more or less where […] [Read More]


text:
What causes abdominal pain, dark urine and general weakness? 18 possible conditions
Viewing 18 of 18 results
See a list of possible causes in order from the most common to the least.
Hepatitis A (HAV) is a short-term type of hepatitis. It usually requires no treatment, but symptoms include fever, nausea, jaundice, and itchy skin, among others.
Hepatitis B is liver inflammation caused by the hepatitis B virus (HBV). It can be chronic or acute, but most cases are chronic. This disease is easily spread through blood, saliva, and other body fluids.
Hepatitis C is a disease that causes inflammation and infection in the liver. Symptoms of chronic cases may not be obvious at first, whereas acute hepatitis C sets in quickly after exposure to the virus.
The hepatitis E virus is spread most often by contaminated drinking water. It is different from the hep-A virus but the symptoms are similar. Most cases clear up on their own after a few weeks. In other cases, the viru...
Hepatitis D is an infection of the hepatitis D virus that causes your liver to swell and is uncommon in the United States. It is almost always contracted by people with hepatitis B.
Infectious mononucleosis, or "mono," is a group of symptoms caused by the Epstein-Barr virus. One potential symptom is a pink rash that looks like the measles.
Sickle cell anemia is a genetic disease that causes red blood cells to have an abnormal shape, causing blood flow problems. This can lead to tissue damage and pain, as well as enlarged spleen, anemia, and other symptoms.
Liver cancer causes destruction of liver cells and interferes with the ability of the liver to function normally. Cancer that originates in the liver can spread from the liver to other parts of the body.
Pancreatic cancer occurs within the tissues of the pancreas, a vital organ that is located behind the stomach. The pancreas plays an essential role in digestion by producing enzymes that the body needs to digest fats...
Damage to the liver from excessive drinking can lead to ALD. Years of alcohol abuse cause the liver to become inflamed and swollen. This damage can also cause scarring known as cirrhosis. Cirrhosis is the final stage o...
Chlamydia is a sexually transmitted disease that should be treated quickly in order to avoid complications. It is caused by bacteria that are usually spread through sexual contact. People with chlamydia often don't hav...
Autoimmune hemolytic anemia (AIHA) is a group of rare but serious blood disorders. They occur when the body's red blood cells are destroyed more rapidly than they are being produced.
Paroxysmal nocturnal hemoglobinuria (PNH) is a rare disorder that causes red blood cells to break down sooner than they should. The results of this premature destruction can lead to symptoms and complications that rang...
The body needs adequate amounts of red and white blood cells to keep tissues oxygenated, fight infection, and maintain health. Enzymes are proteins that help regulate biochemical reactions and metabolism in the body an...
Drug induced immune hemolytic anemia (DIIHA) is an extremely rare blood disorder. According to research published in the journal Hematology, the condition is estimated to occur in one in every 1 million people.
Thalassemia is a blood disorder passed down through families (inherited) in which the body makes an abnormal form of hemoglobin, the protein in red blood cells that carries oxygen. The disorder results in excessiv...
Please consult a healthcare professional if you have health concerns.
Click to add a symptom to your list
- Top Symptoms
I'm experiencing:
Choose from list of symptoms:
Copyright © 2005 - 2014 Healthline Networks, Inc. All rights reserved for Healthline. Healthline is for informational purposes and should not be considered medical advice, diagnosis or treatment recommendations. Terms of Use | Privacy Policy


text:
reasons why i have trust issues : bad tv writing
do you ever wonder how a character is doing after a series is over
do you ever wonder how a character is doing while a series is still going
how do they do it? how do they breath?
It's the last ever episode of glee.
It's coming to the end of the episode and a voiceover narrated by Rachel tell us what happened to each character, 20 years after they graduated.
Kurt is successful in whichever career he chose to follow and is the proud father of a 4 year old little girl he adopted in New York. Rachel tells us he's single, though, having finally let go of an abusive relationship. The camera shows him going through the aisles of a grocery store. He's looking for his little girl's favorite cereal when his hand accidentally falls over a stranger's. We see Kurt's face. He's surprised then he's smiling. We're back to their hands which are still touching. The camera goes up the stranger's arm. It's Dave Karofsky. He's also smiling.
Rachel's voice tells us something about second chances and new beginnings.
The camera changes to another character.
all i see is the girl in the background who is basically the female equivalent to this guy:
It's 22nd December.
It's official. The world has been picked up for another season.
#despite the low ratings #and the horrible plot #and the characters going crazy
Just like glee.
day 702
kurtofsky is still not


text:
Reader Comments (Page 1 of 1)
Is there any way to make a macro that will not use a glyph that you have? That seems a bit of an awkward question, but let me explain: I have a macro set up to do a random polymorph whenever I cast it, and have the glyph that makes my polymorph into a penguin. I think it would be pretty nifty to be able to have both the penguin and the sheep in the rotation. Any known way to do this, or will I have to chose between the classic and the cute?
the only other option you have is to hunt down the other poly's, some are drops, others holiday only and others from a vendor in dalaran (expensive tho) like turtle, pig, cat, rabbit, as they are actually separate spells, then you can macro the different spells into your rotation.
Some below


text:
Sponsored by SearchSQLServer.com
These days, virtual servers are often seen as time- and money-saving efforts for businesses. When deciding if going virtual is the right thing to do, it's important to consider myriad of things, including the age of your physical servers, the amount of data to be migrated to the virtual server, the experience of your IT staff and the I/O benefits. Access >>>
Table of contents
- Virtualizing SQL Server? Do your homework
- Making sense of SQL Server 2012 virtual environment licensing
- SQL Server virtualization: Not always a good idea
Access TechTarget
Premium Content for Free.
More Premium Content Accessible For Free
Developments in SQL Server BI point to focus on self-service, users
Today, business analytics is largely focused on self-service software and pushing business intelligence capabilities down to the end user. In this ...
Understanding Microsoft SQL Server business intelligence options
Microsoft has made a great effort to turn SQL Server into a viable enterprise database platform, and part of that has been boosting its business ...
SQL Server and big data strategies
Microsoft has worked to address the big issue of "big data," as companies are dealing with a constant influx of digital information. SQL Server is no...


text:
Philip Masorti & the band Hero, Jr Sit On The Couch - Aug 09,2011
By day Philip Masorti is a trial attorney. By night he and his band, The Herd, entertain the masses in the Central Pennsylvania area. Masorti has said, "There is no doubt that the practice influences the song. I hate to admit it but there are times when strong feelings seep into my music, par...
Music On The Couch
Description: Description not available.
Results for Tag: rock
Clay Melton & Nik West Sit On The Couch - Aug 02,2011
Clay Melton was born in Louisiana, but lives in Texas now. At age 11 he heard Jimi Hendrixs "All Along The Watchtower" and he knew what he wanted in life...to play the guitar. Now, at 17, Clay is making heads turn everywhere he goes. He has opened for the legendary Johnny Winter and is writing and...
Ryan Michaels & Vincent Hayes Sit On The Couch - Jul 19,2011
Ryan Michaels has been emersed in music since he was a child, his family having owned an instrument store in the San Francisco Bay area. He moved to Nashville with his band; drummer Andy Calmes, bassist Matthew Heath Harper, guitarists Steve Cunningham and Josh Sulfaro, and Peter Spero on keys and...
Lucy Hammond & JP Corwyn Sit On The Couch - Mar 22,2011
From the Pacific Northwest comes the soulful blues sounds of the Lucy Hammond Band. Ms. Hammond will join me on The Couch to discuss her early life where she began performing at the age of 6. Lucy was a force on the Portland music scene in the 80's before 'retiring' to have a family. Now back and si...
Chinua Hawk and jsin Sit On The Couch - Mar 15,2011
Chinua (Shin-wa) Hawk might not be a name you recognize, but he has been performing his music around the world for over 10 years and has worked with some of the biggest names in the business. Chinua has performed with Celine Dion, written songs with Wyclef Jean and performed backing vocals on his CD...
Chris Hudgins Sits On The Couch - Mar 16,2010
Our scheduled guest Chris Huff was taken ill just before showtime. Please say a prayer for his recovery.
Chris Hudgins jumped in and we spent time talking to this young, talented musician. "Make art where you are, whenever you can." That's what Chris Hudgins does. The full-time singer/musici...
Shayna Zaid & The Catch Sit On The Couch - Mar 02,2010
Shayna Zaid & The Catch are on the road to big success. This NY based band with a wealth of talent.
Malaysian Born Zaid has been making a name for herself the last few years, taking 1st place in the 2008 International Songwriting Competition in the Performance Category and multiple placements on TV...
Subscribe & Follow
Average Rating
- Arts
- Business
- Comedy
- Culture
- Education
- Entertainment
- Gaming
- General
- International
- Lifestyle & GLBT
- Music
- Religion
- Sports
- Technology
- Travel
- Health & Science
- News & Politics
- Show All


text:
Discover Author
Terry George, Hotel Rwanda director/producer and co-writer with Keir Pearson, received Academy Award® and BAFTA nominations for his first produced screenplay, In the Name of the Father. Later he adapted and directed the acclaimed HBO movie based on Neil Sheehan's Pulitzer Prize-winning tale, A Bright Shining Lie, nominated for Emmy® and Golden Globe awards. George's other writing credits include The Boxer and Hart's War. He also created and produced the acclaimed original CBS-TV series The District. George lives in Ireland and New York.
Copyright © 2014 HarperCollins Publishers. All rights reserved.
Site Powered by Supadü


text:
You know you can expect an impressive level of quality, as A for Athens has 3 stars. Ancient State Prison, The Roman Agora or Forum and Plaka can all be found in the near surroundings. Beule Gate, located nearby, is an interesting sight. Monument to Philhellenes is just 0.4 km (0.2 miles) away. Staying here puts you less than 2km (1.25mi) from Panathinaiko Stadium.
Breakfast is taken care of (at no extra cost) if you stay at A for Athens. In addition to the attractive bedrooms, there is also a selection of common areas including a bar/lounge, a coffee shop/café and a rooftop terrace on the premises. Many services are provided for guests: a dry cleaning/laundry service, a limousine service and a luggage storage, to name but a few. Pick one of the 35 rooms offered. A paid airport shuttle bus can be arranged by this accommodation.
Air conditioned rooms are available when you stay at A for Athens. A housekeeping service is offered for your stay in one of the rooms. You can stay up to date with everything that is happening around the world during your stay in Athens as wireless high-speed Internet access (complimentary) is offered. A hypo-allergenic bedding set (upon request) and a Sleep Number comfort mattress are provided for the beds. You will find a complimentary toiletries set and a rainfall showerhead in your bathroom.
Show reviews
|From 14:00 Check-out: Until 12:00
Wi-Fi Internet at additional cost in general areas only (lobby/reception etc.)
Wired Internet free of charge in general areas only (lobby/reception etc.)
|Airport shuttle:
|Airport Transportation (surcharge)
|Pet policy:
|Pets are not allowed.
|General facilities:
|Extra common areas:
|Note: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. We are not responsible for any inaccuracies in the photos.
Please provide this reference number to our customer service center representative on request, so we can help you better


text:
The Greek Melkite Catholic Parish Our Lady of the Announciation located at Ste Suzanne Church, 9501 Gouin West Blvd , is having a charitable lunch fashion show offered by Couturier Designer Janine Libarian "Donnabella" and Jewelry hand made designed by Carine Turkman (Loulias) caterer "Chez Victor", on Dec. 8th from noon-3 p.m. at Ste Suzanne Church, 9501 Gouin West, Pierrefonds . Donation $40 including lunch. Contact Tel 438-338-3196
Charitable Fashion Show
Name: Mona Saba
Email: firstname.lastname@example.com
Phone: 4383383196


text:
Wild Oats XI has officially taken the triple crown of Sydney to Hobart race record, line honours and handicap victory.
The fleet of 77 yachts leaves Sydney Harbour in a race to the Battery Point finish.
Wild Thing skipper Grant Wharington has called for changes to the documentation process after the late exclusion of his boat.
Sydney to Hobart favourite Wild Oats XI is hoping good weather and a lighter crew will help it edge Ragamuffin LOYAL.
Get to grips with all the crucial facts and figures ahead of the 68th edition of the Sydney to Hobart yacht race.
Amy Bainbridge reports on the long term forecast for the Boxing Day race.
Loki faces a tough tasks to become the first boat to record back-to-back Sydney to Hobart overall wins in almost 50 years.


text:
Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
Easy, Delicious, Healthy - Pepper Steak Recipe http://t.co/8jSsteij via @Mommyoutside
The Best Irish Soda Bread Recipe -- Revisited via @rookno17
Bistro Beef Tenderloin {Recipe} via @aliciamarie112
Delicious Spring Vegetable Salad Recipe via @momsconfession
See what's Trending Now for @loveandcents
Follow @loveandcents on Twitter


text:
I've spent the afternoon trying to setup Thinstation, I've been through the TS-O-Matic, created my Thinstation Image, put it on my WDS server, got a workstation to boot from it and then.... get the error No Valid Session Type and I'm now stumped.
As far as I can tell, I've got everything right, I've re-editted the thinstation.conf.network several times and rebuilt the image with rdesktop instead of freerdp but don't know where to go now and can't find what the most common cause of the error is.
I've attached the two latest thinstation.conf.network's if someone could take a look and see if I've made any glaring errors or give me another area to tackle to try and get this working?


text:
Anaheim Travel Guide
Disney / Disneyland / Theme Parks / Amusement Parks / → All Tags
More Money for Mickey as Disneyland Again Raises Prices
It seems like we were just talking about Disney and their plans to increase admission to some of their theme parks, and now just weeks later they're doing it again—this time over in California.
The parks that make up Disneyland Resort are rising once again, and this is certainly going to take away from your oversized turkey leg and churro budget. Things have been bumped up by roughly four percent, as Disneyland Park or Disney California Adventure Park will now set you back $96. Parking is also going up by a buck, and that's now going to cost $17 for each and every vehicle heading into the lots.
Volunteer Travel / WonderCon Anaheim / Comic Cons / → All Tags
It's Not Too Late to Volunteer at WonderCon Anaheim
Yesterday we told you how to get tickets to one of this year's biggest pop culture cons, WonderCon, but what if you want to be more involved?
WonderCon Anaheim 2014 is looking for volunteers who want to give back to their fellow geeks while earning free admission to the convention.
How To Get Tickets To / Comic Cons / WonderCon / Geek Travel / Events / → All Tags
How To Get Tickets To WonderCon Anaheim 2014
Tickets are still available for 2014's WonderCon Anaheim, but apparently they're going fast.
The pop culture expo, taking place April 18-20, is put on by the same folks behind San Diego International Comic-Con and recently made the move to the Anaheim Convention Center from the Bay Area to accommodate more fans. As the Con has grown, so has its roster of movie and television panels, comic previews, autograph sessions, book-signings, and screenings.
Disney Travel / Photo Gallery / Retro Travel / Vintage Travel / Events / Disneyland / California Travel / Dapper Day / Fashion Travel / Disney / → All Tags
Why 20,000 Well-Dressed Guests Took Over Disneyland for 'Dapper Day'
For lovers of fashion, history, and a bit of good fun, there are plenty of "throwback" events in the year's social calendar. These primarily happen on the east coastfor example there are vintage baseball games and NYC's summer-favorite Jazz Age Lawn Partybut sometimes the west coast gets in on the retro fun as well.
Case in point: Dapper Day at Disneyland. The event began in 2011, with a few hundred amusement park-goers donning their best vintage duds to enjoy Disneyland the way Walt Disney envisioned it: with families dressed in suits and skirts instead of fanny packs and cargo shorts. Now, Dapper Day attracts around 20,000 (the "dapper" folk nearly outnumber regular visitors) in the one day, and it's spread to include the Disney parks in Orlando and Paris.
Hw To Get Tickets To / Comic Cons / WonderCon / Geek Travel / Comic Book Travel / Anaheim Travel / Events / → All Tags
How To Get Tickets To This Weekend's WonderCon
WonderCon, which is kinda like Comic-Con's warm-up act, is taking place this weekend in Southern California.
This year, along with appearances by legends of the comic, anima and sci-fi worlds, there are also several Hollywood Panels scheduled including 21 Jump Street with Jonah Hill and Channing Tatum, Resident Evil; Retribution and The Amazing Spider-Man with Emma Stone.
And, for the first time, WonderCon, which is usually held in San Francisco, will be held at the Anaheim Convention Center. To celebrate the show's change of venue, some of the area's other local attractions are offering badgeholders special perks.
Theme Parks / Amusement Parks / Theme Park Travel / Disney / Disneyland / Walt Disney World / → All Tags
Disney's 'D23 Expo' Dishes the Dirt on New Rides, Attractions, and More
You might not be hardcore Disney enough to have attended this year's D23 Expo, but we're sure that you are probably interested about what it means for the theme parks. The ultimate disney fan event—their words, not ours—took place last weekend, and it produced some pretty decent news on the update front.
Down in Florida at Walt Disney World, upgrades are still on schedule for the Magic Kingdom. Over in Fantasyland, theme park officials are working on a new Beauty and the Beast section that will focus on meeting and greeting some of your favorite characters from the film. If you've outgrown character autographs—we understand—just make your way over to Ariel's Undersea Adventure, an attraction copying the blueprints from a similar ride out in California.
Celeb Travel / Disneyland / Disney Travel / Jennifer Lopez / Amusement Park Travel / → All Tags
Jennifer Lopez Sticks to the Classic Rides at Disneyland
Jennifer Lopez took advantage of a little downtime over the weekend and spent the day with her family at Disneyland. On Saturday she was spotted on the Dumbo Ride at the Anaheim, California theme park with her three-year-old daughter Emme. Her son Max, mother Guadalupe and sisters Lynda and Leslie also tagged along for a day of Disney magic.
Of course Jennifer wouldn't be expected to walk through the park on her own, so Disney accommodated the Lopez family by providing them with a personal escort for the day who kept fans at bay.
Disney Travel / Disney / Theme Park Travel / Disney California Adventure / Amusement Parks / Theme Parks / → All Tags
June 3 is the Most Important Day at Disneyland This Year
We've mentioned all the bulldozers at Disneyland and Disney's California Adventure on and off for quite some time, and it looks like Mickey is still busy in his construction worker outfit as the warmer weather approaches.
The two parks are already getting ready for the influx of locals and tourists, and this year visitors are going to have quite the summer. Projects to revamp the park across from Disneyland have been ongoing, but this summer another big milestone arrives. The front entrance of the park will be changing—so get ready to enter in some kind of weird maze way—but once you're inside get ready for a whole new ride.
Movie Set Travel / Disney Travel / Disney California Adventure / Tron Legacy / Movie Travel / Amusement Parks / Theme Parks / → All Tags
Step into the World of 'Tron:Legacy' at Disney's New ElecTRONica Club
Disney has spent some serious cash on Tron: Legacy (in theaters today), with promotions that have include everything from a Tronorail to a Pop-Up Shop.
To help keep the hype going long after the movie leaves theaters, Disney California Adventure has transformed a once dormant corner of their Anaheim, CA theme park into a pulsating, neon-lit nightclub.
Theme Parks / Amusement Parks / Disneyland / Disney / Theme Park Travel / → All Tags
Lasers, Lights, and Fire Await At Disney's World of Color
Things have been pretty busy at the theme park across the street from Disneyland, and thanks to all the bulldozers and construction equipment, Disney's California Adventure is finally ready to reveal what's been going on behind the scenes. After years of construction the park will debut debut one of the major features of its billion-dollar makeover, and maybe it will finally be worth the price of admission.
Disney's World of Color has begun testing out its water jets, fountains, and screens of mist after hours at the park, and the official unveil is set to happen on June 11. The park is so excited about the new nighttime attraction that they're throwing a party worthy of a major Hollywood release; however, we wouldn't expect too many A-list stars.
Earthquakes / California Travel / Disneyland / Travel News / → All Tags
Easter Sunday Earthquake Sends Tourists Scurrying From Disneyland
When a 6.9-7.2 magnitude earthquake struck in southern California and Mexico yesterday, right in the middle of a beautiful Easter Sunday, the first thing that many did was turn to Twitter for instant-breaking news and commiseration. Among the tweets were pictures snapped by those on the scene in California, and the most compelling (aside from this huge crack on a Mexican street), was the above picture of the masses of merrymakers fleeing Disneyland in Anaheim.
Concerned for the safety of their guests, although not worried about structural collapse, Disneyland closed their park for a safety inspection before allowing people to return to having fun as usual. They announced via Twitter:
Disneyland has no reports of injury or damage following the earthquake. After a safety inspection, nearly all attractions are now operating.
Although mild aftershocks continued to roll through San Diego and up through the rest of California, none are expected to impact tourist sites...unless you're heading below the border to Mexicali, Mexico, where some houses have partially collapsed. The best thing to do is just keep an ear to the news and not plan any major skyscraper or treehouse excursions anytime soon.
Related Stories:
· @Disneyland [Twitter]
· Earthquake at Disneyland: What Happens When the Ground Shakes at 'The Happiest Place on Earth' [Examiner]
· Travel News [Jaunted]
[Photo: TwitPic/ms_kristin]
Theme Parks / Amusement Parks / Disney / Disneyland / Michael Jackson / Retro Travel / → All Tags
Michael Jackson Is Making One Last Appearance At Disneyland
The biggest theme park news lately has been all about Harry Potter, but there's something else pretty interesting ready to reappear at Disneyland. Captain EO, the snazzy laser-filled 3D movie starring Michael Jackson, is set to return to Tomorrowland sometime this month. We knew it was coming since late last year, but it seems that sneak peeks of the retro attraction might begin any day now.
Apparently testing is already underway as Disneyland employees were invited to check out the attraction last week. An email was sent out to Disney cast members—that's Mickey Mouse language for employees—describing the testing involved with the movie's return. Of course they requested that all the secrets of the attraction remain hush-hush, but it looks like someone immediately leaked the email. We're all for sharing a few secrets among friends, because that's pretty much why the Internet was invented.


text:
Sam "Buddy" Brayfield JEFFERSON CITY MEDICAL GROUP, OSAGE BEACH
Just shy of collecting his pre-med degree, two things detoured Sam "Buddy" Brayfield: First, the University of Missouri declined to accept him into its school of medicine. About that time, some friends in a new Springfield band were looking for a keyboard specialist. "I'll try this for a while," he decided.
Thus began his association with the fledgling Ozark Mountain Daredevils, and Brayfield went along for a four-year ride that saw them achieve national fame in Southern rock. The pull of medicine, though, remained strong, and Brayfield left the band to earn his degree at A.T. Still University in Kirksville. Today he's with Jefferson City Medical Group's clinic in Osage Beach, where he is certified in family practice, hospice and palliative care. He also has developed an expertise in the medical aspects of child abuse.
But the music bug? It never went away, he confesses. "There's a group of fine musicians in the lake area, and we call ourselves Buddy and the Notes," says Brayfield, now 61. "This has opened a whole new world, musically. I've got some original songs I've been working on for years, and one day, we may put down a CD."
Hank Waters COLUMBIA TRIBUNE
This just in: The newspaper industry isn't dying. The big-city newspapers may be going belly-up, but community newspapers are doing more than just hanging on. Why? Because smaller papers invariably have someone like a Hank Waters behind them. For 44 years, Waters was publisher of the Columbia Tribune, and he still hits the keyboard most every day, batting out the first-person editorials that might best be described as … candid. Hank Waters says what he thinks. Take media ownership, for instance. "If I could pass a law for the journalism profession, I would require all media outlets to be under local individual ownership," Waters declares. "Only in this model is ownership so responsive from and to the local community. When anyone in this town wants to have contact with Tribune owners, they know us and how to make instant connection." The Tribune has been in the Waters family for four generations, and Waters' son Jack is now the general manager, a source of joy for Hank as he ponders the direction of the paper in the coming years.
Grace Nichols STATE HIGHWAY COMMISSION, ST. CHARLES
Some people talk a good community-service game. There is no talk in Grace Nichols—she's pure performance. She's been a senior circuit judge in St. Charles County, was in private law practice for years, served two terms as mayor of St. Charles and had stints on the City Council and Board of Adjustment. And she's got a long list of civic and non-profit efforts to her name, too.
It all stemmed, she said, from her interest in the folks around her. "I have always been interested in people and just naturally got involved in civic affairs and community service." Those connections gave her some insights into the character of fellow Missourians. "They don't call it the Show-Me State for nothing," Nichols says. "Missourians want honest answers based on facts but they are willing to listen, for the most part."
If you can give people honest answers, she says, and listen before you make a decision, "most people are reasonable."
After retiring from the bench, she's not slowing down; she holds a seat on the Missouri Highway and Transportation Commission into 2013, an organization with a mission vitally important to the state's economic future.
How has she managed to pack all of that into one career? She credits the support she received from her husband, John, and their three "perfect" sons ("I can hear them laughing hilariously," she wisecracks) for giving her space to be so involved.
Niel Johnson HARRY TRUMAN IMPRESSIONIST, INDEPENDENCE
Get Niel Johnson talking about the current state of affairs in the U.S., even over
the phone, and you'd swear you were chatting with Harry Truman. Which is fitting:
For the past 20 years, Johnson has been a one-man cottage industry with his portrayals of the 33rd president, Missouri's most famous contribution to White House lineage.
By his count, Johnson has donned the trademark bowtie and porkpie hat close to 700 times since his impersonations began on a whim in 1993. That was about the time he'd retired as an archivist at the Truman Presidential Library in Independence, where for 15 years he absorbed the late president's life without knowing where that was about to take him.
Johnson first bought the double-breasted suit and accessories to help in a Park University class he was recruited to teach. After favorable reception at a symposium in Chicago, "one thing led to another, so I just went with the flow." It fit pefectly. "I was fortunate," says Johnson, now 80. "I grew up on an Illinois farm during the Depression; we lost our house and my mother lost her life savings to a banker—that was before the New Deal and the FDIC. So I feel a kinship with Truman the farmer."
Truman, he notes, was in debt most of his life, so he knew that even people who did the right thing could still end up behind a financial 8-ball. "He was a great example of fairness and justice," Johnson says.
"Fortunately," Johnson cracks, "I didn't have to pretend very much."


text:
Credits & Info
- Uploaded
- Sep 13, 2002 | 2:57 PM EDT
If you liked this, check these out!
Author Comments
i was bored!....what can i say...:) and i am also sick! so don't expect much of a movie which was made by a bored and sick guy.
NOTE: it is my house and KGB guys are the ones that you will see in the new version of alien hominid. Sorry Fulp if that was a secret. (they weren't drawn by me)
Rated 5 / 5 stars September 14, 2002
hastala viesta... baby ! BOOM !
Rated 5 / 5 stars December 27, 2003
You are officially one of my favorite authors. This is only the 4th thing I've seen of yours but wow. And the classroom, awesome game. I liked how you could only see their heads most of the time, that's what made it sweet. Make more stuff, because you are my most favorite author! That's right, your # 1! You outdid the guy who made gunny bunny and madness. You should feel accomplished.
Rated 5 / 5 stars August 24, 2004
its ok but u killed hominid!!!! :(
Rated 5 / 5 stars November 13, 2004
Lol, thats pretty funny!
Its good graphics for alien hominid, and it fits in, nice nice.
(*I like your classroom 2 and 1 by the way.*)
Rated 5 / 5 stars October 21, 2004
If YOU did that to Hominid, I'm never gonna piss you off in my life.


text:
Servings: 8
Prep Time: 15 min
Cook Time: 40 min
Difficulty: Easy
2 teaspoons olive oil
2 shallots, thinly sliced
2 garlic cloves, minced
1 (10-ounce) package frozen chopped spinach, thawed and squeezed dry
1 (3-ounce) package reduced-fat cream cheese (Neufchâtel)
1 cup reduced fat (1%) milk
1/2 cup half-and-half
4 egg whites
2 large eggs
2/3 cup shredded Cheddar cheese
1/4 cup grated Parmesan cheese
1/4 teaspoon salt
Pinch ground red pepper
Preheat the oven to 375°F. Spray a 9 x 9-inch baking dish with cooking spray.
Heat the oil in a large nonstick skillet over medium-high heat. Add the shallots and garlic and cook, stirring often, until softened, 2 – 3 minutes. Add the spinach and cook, stirring, until the spinach is tender and any liquid is completely evaporated, about 5 minutes. Stir in the cream cheese until blended. Remove from the heat; let cool 5 minutes.
Meanwhile, whisk together the milk, half-and-half, egg whites, eggs, Cheddar, Parmesan, salt, and ground red pepper until blended. Stir in the spinach mixture until well combined. Pour into the baking dish.
Bake until the filling is set and a knife inserted into the center comes out clean, about 40 minutes. Let stand 10 minutes; then cut into 8 squares.
Original recipe courtesy Paula Deen: Crustless Spinach Quiche
Lightened Up recipe courtesy of the Deen Brothers and the Paula Deen Test Kitchen
Recipe Courtesy of Jaime and Bobby Deen


text:
today these two kids in my math class were hitting each other with pencils and my teacher glared at them and said "could you try to be a little more mature?"
one of them screamed "TAXES" and punched the other kid in the face
(Source: prouvarian, via runningwithbats)Reblogged from prouvarian
*quietly mumbles* some feminists aren't asswads
*stares at ground* I don't think cis people are horrible
*covers head with arms* men aren't horrible either
*hugs a puppy* white people aren't horrible either
*hides under a blanket* groups aren't asswads, individuals are asswads
*curls into fetal position* i just want everyone to love each other
(Source: lightrainandmeteors, via potatjo)Reblogged from lightrainandmeteors
Diet Mtn Dew (Uncensored Demo)
Lana Del Rey
Born To Die
a joke: two queer women walk into a bar. they end up talking all night, exchange numbers, and agree to see each other again. they hang out more and more and eventually end up having a healthy and loving relationship with each other, one with three cats and a dog and frequent trips to theme parks and cuddling while yelling at the social network together. wait, did i say joke? I meant to say: what i want to be represented on popular media but society treats it like a joke, my bad.
(Source: yukikoamagi, via pastizi)Reblogged from yukikoamagi


text:
Made as-is, it was too dry and lacked flavor depth--I honestly couldn't taste the poblano, so I would guess it was intended to add moisture, but it hardly even did that. It is a good base, though, but would need a lot of tweaks to improve flavor and bump up rating. It was better the next day when I added extra lime juice. This IS filling, so if you really are a vegetarian and have trouble finding vegetarian meals that fill you up, I would recommend making changes: add a seeded/finely chopped jalapeno or serrano and 2 tsp cumin to the sope mix. For the salad, it was better, but as I said, needed more lime juice, so I'd do 2 tbsp and serve with a lime wedge per plate so people can add as needed. I'm not sure that the quinoa cooks properly to digest the full protein (been told by versed veg*ns that it should be translucent and the coil visible to digest all the benefits), so if you're worried about extra protein, throw some black beans in the salad.
Poblano Sopes with Avocado Salad
alphabetizing Posted: 07/31/13
mijenn2 Posted: 07/29/13
Truly, a "good, solid recipe..." 3.5 stars! Pleasantly surprised by this hearty dish; sometimes, vegetarian entrees feel more like tapas, but I very much enjoyed the balance, substance, and variety of ingredients. Used up the bounty from the farmer's market by pairing it with a fruit salad with queso fresco from CL. Summer on a plate.
kayakGirl21 Posted: 09/25/13
My family, including a 5 year old, thought this was great. I didn't have any Quinoa so I used Couscous instead and I also added 1/4 t. of cumin to the Sopes but other than that I didn't change anything else and we didn't think the meal was dry or bland. Will definitely make again.
StephanieLark Posted: 08/23/13
This dish is worth trying, but with a few modifications. I agree with the other reviewers that the poblano got lost in this recipe - I'm wondering if upping it to 2-3 even would help with both moisture and give it a bit more spicy/smoky flavor. I LOVED that I could easily make the patties the night before & that I could bake them all at once (so I didn't have to stand at the stove browning them off in batches) which gave me more time to finish up the salad. Served these with refried black beans on top of the patties and then the salad on top of that (more traditional sopes have both refried beans & then usually some kind of meat before they're topped with lettuce/avadado/cheese). Loved the grown-up version with this salad. I agree, 2 sopes was VERY filling, especially with the added beans - served with fresh melon, but most of us were too full to eat any of it.
bjane1 Posted: 10/17/13
Fun, different, easy recipe! I agree that the sopes need a bit more spice but overall really enjoyed this meal...will try adding cumin, smoked salt, and red pepper flakes next time. Hubby raved. Served with a side of steamed broccoli...1 sopa was plenty. Had them again...topping them with refried beans per the suggestion of another reader was delicious!
sprky182 Posted: 08/22/13
These were kind of bland and I didn't love the texture. The arugula salad with avocado was tasty but the sopas didn't really add anything.
megdawg517 Posted: 08/13/13
I thought these were great - and great-looking too (I'm a sucker for pretty food!). This was a fun recipe for me, too, because I got to use fresh poblanos, black cherry tomatoes, and yellow pear tomatoes from the garden. The sopes are dry, but using an abundance of tomatoes really helps to juice things up. They are NOT kidding about this being filling - my husband and I each tried to eat 2 sopes and we were incredibly uncomfortably full afterwards! When we served up leftovers, we stuck to 1 each. :o)
lesliefo Posted: 09/12/13
Added 1/2 a jalapeno and 1/4 teaspoon each cumin and oregano, based on previous reviews. It was still bland and dry.


text:
This is what makes me ship George/Peter
This is what makes me ship George/Peter
a hard day's night
Because they're like an old married couple. Just like Sherlock and Jawn.
sigh…..i miss just sitting down with trev and just talking like these two gentlemen….
I was thinking about it. They had an interesting chemistry.
this film is so great


text:
Categories > Cartoons > Codename: Kids Next Door > Operation H.O.L.L.Y.
Chapter 20 Reviews
Information about Havoc.
"Did that just happen?" Numbuh two asked.
The question seemed to echo. Did they all really see Another Holly kidnap Numbuh 59? And promise to see them real soon?
No. No way.
"How'd Holly get an issue of Havoc? I didn't even know they existed" Numbuh five pursed her lips.
"Numbuh four? Are you okay?" Numbuh three looked at Numbuh four with concern in her eyes.
Numbuh four stared at the black screen. His eyes were wide and empty.
"Yeah. I'm fine. I'm fine. Are you okay?" Numbuh smiled weakly.
"Wait. Wait. Numbuh five, what's 'avoc?" Numbuh five pushed his glasses up his nose as he whirled around to face Numbuh five. "You've never heard of Havoc? Where've you Been, Numbuh one?" Numbuh five sat down on the floor of the clubhouse.
Numbuh one glared.
"Okay, okay, don't make that face. Havoc's a comic. And apparently they. like, take real kids from here and write them into the comic. And then those kids are in the comic. But they don't exist. It's a myth! An urban legend!" Numbuh five sighed.
"Oh really? Urban legend? Then wot just took my cousin? A hallucination?"
Numbuh four glowered, then looked back at Numbuh Five. "Is...Holly gonna be okay?" Numbuh four chewed on his lip.
Numbuh five sighed. "Numbuh five can't be sure. There's all sorts of tricks in Havoc. But she probably will be. She's Numbuh 59"
"We'll check out Numbuh 59's 'ouse tomorrow for issues of 'avoc. Nobody goes anywhere tonight" Numbuh one announced and strode out.