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David Gilbertson
|David Gilbertson
|Current Court Information:
|South Dakota Supreme Court
|Chief justice
|Appointed by:
|Gov. Bill Janklow
|Past post:
|Judge, South Dakota Fifth Judicial Circuit
|Past term:
|Personal History
|South Dakota State University, 1972
|Law School:
|University of South Dakota School of Law, 1975
David E. Gilbertson is chief justice of the South Dakota Supreme Court. Republican Governor Bill Janklow appointed him to this court on April 3, 1995. He represents the state's 5th Supreme Court district. His term ends in 2014.
Gilbertson was first elected by his peers on the court to a four-year term as its chief justice in 2001. He was then re-elected in 2005 and then again for a third term in June 2009.[1] On May 28, 2013, Gilbertson became the first chief justice in the history of the state to be elected to a fourth term as chief, which will expire in 2017.[2]
Gilbertson received his undergraduate degree from South Dakota State University in 1972 and his J.D. from the University of South Dakota School of Law in 1975.[3]
Gilbertson established a private practice in Sisseton, South Dakota and simultaneously served as a Roberts County deputy state's attorney and city attorney for Sisseton. In 1986, former Governor Bill Janklow, a Republican, appointed Janklow circuit judge of the South Dakota Fifth Judicial Circuit. Gilbertson joined the South Dakota Supreme Court in 1995. When then-Chief Justice Robert A. Miller retired in 2001, Gilbertson was elected to take his place.[1]
Awards and associations
- 2006: Distinguished Service Award, National Center for State Courts
- 2005-2007: Member, Board of Directors of the National Conference of Chief Justices
- Past president, South Dakota Judges Association
- Member, Conference of Chief Justices
- Member, Judicial-Bar Liaison Committee, State Bar Association
- Court counselor, South Dakota Boys State[1]
Gilbertson was retained by the state's voters in 1998 and 2006. [4][5]
Political ideology
In October 2012, political science professors Adam Bonica and Michael Woodruff of Stanford University attempted to determine the partisan ideology of state supreme court justices in their paper, State Supreme Court Ideology and 'New Style' Judicial Campaigns. A score above 0 indicated a more conservative leaning ideology while scores below 0 are more liberal. Gilbertson received a Campaign finance score (CFscore) of 1.13, indicating a conservative ideological leaning. This is more conservative than the average CF score of 1.05 that justices received in South Dakota. The study is based on data from campaign contributions by judges themselves, the partisan leaning of contributors to the judges or, in the absence of elections, the ideology of the appointing body (governor or legislature). This study is not a definitive label of a justice, but an academic gauge of various factors.[6]
See also
- Courts in South Dakota
- South Dakota Supreme Court
- News: South Dakota Chief Justice praises drug courts in state of judiciary speech, January 16, 2012
External links
- South Dakota Unified Judicial System, "Supreme Court"
- Project Vote Smart, "Chief Justice David E. Gilbertson (SD)"
- South Dakota Unified Judicial System, "Chief Justice Gilbertson's 2011 Chief of Judiciary address"
- ↑ 1.0 1.1 1.2 South Dakota Unified Judicial System, "Supreme Court"
- ↑ The Daily Republic, "Gilbertson gets new term as SD Supreme Court chief," June 5, 2013
- ↑ Project Vote Smart, "Chief Justice David E. Gilbertson (SD)," Retrieved June 28, 2013
- ↑ South Dakota Secretary of State, "1998 Supreme Court retention election results"
- ↑ South Dakota Secretary of State, "2006 Supreme Court retention election results"
- ↑ Stanford University, "State Supreme Court Ideology and 'New Style' Judicial Campaigns," October 31, 2012
John Konenkamp • David Gilbertson • Steven Zinter • Glen A. Severson • Lori Wilbur •
|Richard Sabers • Judith Meierhenry • Roger Wollman •


text: i found the 12-Month Xbox Live Vision Gold Pack Cheap at sears the other day they have a section for clearance stuff so started look around and i found a box i picked it up and it was the Vision Gold Pack and when i saw the price OMG!!! 33.97! and it was they only one they had,the 12 month alone is 49.99!

subset: commoncrawl


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Home > New Yachts > Boston Whaler Yachts > 31l
Boston Whaler Yachts 31l
If you are looking to buy a used or new Boston Whaler Yachts 31l yacht, we have all the information you need. List price for the 31l is $169,900.00, with a bottom price of $36,550.00, typical price of $42,500.00 and top price of $50,150.00. The 31l features 2 300 HP Diesel engine and is 31 feet in length. A whaler yacht, the 31l's hull is made of fiberglass, features a 11 foot 10 inch beam and weighs in at a net 12,500 pounds.
The 31l was manufactured during the years: .
The most popular sales locations by state for the 31l are: Virginia, North Carolina, California, Wisconsin, Florida, Ohio, Alabama, Texas, Missouri, New York, South Carolina, Illinois, Minnesota, Michigan, Louisiana, Georgia, New Jersey, Delaware, Washington and Tennessee.


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St. Petersburg Hotels
St. Petersburg Hotel Reviews
The former imperial capital still captivates, with accommodations that are often nothing short of sumptuous. In fact, as elsewhere in modern Russia, where luxury almost always means opulence, sophisticated minimalist interiors are few and far between here. Instead, heavy curtains, tapestries, ornate furniture, and deep carpeting grace the interiors of many of the top hotels, some of which are set in stately 19th-century mansions and charge prices to match the surroundings. One pervasive shortcoming is service, and in even in some of the grandest hotels you might encounter a somewhat haughty staff.
Like Moscow, St. Petersburg has a shortage of moderately priced hotels, and even economy-class hotels cost about twice the price you'd pay in almost any other European city. The best budget options are some of the guesthouses in former mansions that were converted to communal apartments during the Soviet era. Much nicer in this reincarnation, they're intimate, have a genial atmosphere, are often furnished with antiques, and charge rates that often include home-cooked breakfasts and modern comforts, such as free Wi-Fi.
On an organized tour, you're likely to land in one of the old standbys run by Intourist, the Soviet tourist agency monopoly. Most U.S. and British tour operators take advantage of the discounted rates at the Moskva or the Oktyabrskaya. If you're traveling on your own, the main reason to choose one of these hotels is their lower rates; many of them aren't convenient to major attractions.
An expanding number of realty agents like City Realty can organize a suitable and safe apartment rental, usually in the center of the city. The prices for such apartments usually run the level of three-star hotels, but accommodations often have much more space.
Browse St. Petersburg Hotels
St. Petersburg Fodor's Choice Hotels
- Alexander House
- $$$
- Admiralteisky
- Astoria
- $$$$
- Admiralteisky
- Grand Hotel Europe
- $$$$
- City Center
- Kempinski Hotel Moika 22
- $$$$
- City Center
- Sokos Hotel Palace Bridge
- $$$$
- Vasilievsky Island
- Taleon Imperial Hotel
- $$$$
- City Center
Browse St. Petersburg Hotels By Location
Want to stay at the finest properties when you travel? Check out our annual list of the 100 best hotels in the world.More
Fodor's Moscow & St. PetersburgView Details
St. Petersburg - Fodor's TravelDownload Now


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i love her but man she can be stupid
she's nearly 5'10" (apparently 148 lbs) with a 27 inch waist and she calls herself fat
i love her but man she can be stupid
she's nearly 5'10" (apparently 148 lbs) with a 27 inch waist and she calls herself fat
(Source: dreamingwithcaution)
okay i really need to vent,
i have hypothryoidism and PCOS which are what I like to call the unattractive deseases
they make me have extra facial hair all over my body, like if i didn't tweaz my face every fucking week i would have a noticeable beard and mustache
and when I'm done with my accutane treatment (which i probably wouldn't have to have gotten in the first place but my hormones were so screwed up due to my hypothryoidism that i'm crater-face wonderland!) i'm going to wax it off
I also have fucking brown armpits, and trust me, I wash my armpits. it's the skin that's black. And I'm seriously considering using a cream on them that contains a chemical that causes cancer to get rid of it because it's so fucking embarrassing.
and i'm loosing weight so slowly even though I'm trying hard and I just want to cry.
Healthy food ;)
I also got a few canvases so I can paint again
I've missed art
Now I'm bugging my memaw to take me to walmart so I can buy some ingredients I need for these healthy recipes I wanna try. Also I really need to get some proper work out clothes but I guess t shirts and jeans will have to do for now :/
(Source: the-healing-nest)
i was in rue 21 i found this cool headband with butterfly wings on the sides so it looked like you had butterfly wings on your head (it was really cute and i almost got it)
but when i saw it was like "omggg ahhh" and when i said that and picked it up some chick who was looking at stuff near me looked up and looked at me for a good 4 seconds until i looked up
but seriously what was her problem?
did she think i was a freak or what :'(
i was at the mall
and there was this chick
and i was so jealous because she was so pretty
seriously, she had really good bangs, board-straight blond hair
and perfectly clear face (it didn't seem like was was wearing foundation either) and really nice eyemakeup
and she was so skinny, but still had a figure
idk i was really jealous Dx
lol i should use her as my motivation
but that would be creepy


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Mustafa Mustafa Dont Worry Mustafa Kadhal Desam
Lyrics & Chords
This is from the movie Kadhal Desam sung by A.R Rahman. Here is a link to the original.
This was recorded at Moksha Studios – Charlotte. Thanks to Srini and Vijay Pilli for their help with the recording.
Vijay Pilli said
Great singing Arvind! You are a very natural singer and great feelings. Loved being part of this. Would love to see more of yours coming through. Cheers!
Vinay Chowdary said
Very nice singing bro :) Keep 'em comin !!!
Venmegam pennaga
Sowmya Srini (getting back slowly....) said
Well done Arvind! You have a great vocal range……very expressive and effortless singing.
My latest
uploaded almost 3 years ago
with Vijay Pilli
Recording help
- 398 Plays. Last played on September 23, 2014
- 0 Favorites
- 4 Likes
- 3 Comments
- 0 Mustafa Mustafa Dont Worry ... MP3 Download


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Awesome! Thanks for the updates :>
Awesome! Thanks for the updates :>
Proud Administrator Of Emutalk.net
As of this weekend, CP1 support is starting to make it's way in the revised core. LaC's fire demo now works. It also fixes the old "flicker" bug that was always present in the old core, and runs at a very comparable speed to what hackturax's demo on youtube shows... looks like the rewrite was worth it!


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The Kremlin, a Look at Moscow's Jewel (Part I)
Several months back we took a look at Russia's other Kremlin, the
at Kazan
, but thus far we haven't spent any time admiring Russia's most majestic Kremlin, the one found in Moscow. Our took a look at the city from a bird's eye view, but let us now admire Moscow's Jewel, the Kremlin.
History of Kremlin
The ralph lauren france Kremlin's history is a long and arduous one. The region has been populated from the second century BC. The point at which the Neglinnaya River flowed into the Moskva River was ideal for farming and pasture, and so settlers are said to have begun expansion from there. Over the years chemise ralph lauren the area grew, and the land below the Kremlin took on a more regal persona.
Early Soviet archaeologists claim moncler outlet to have evidence of a metropolis in this region dating back to
the late 11th century, but with little excavation it is difficult to say for sure. Few doubt the validity of their claims, but far moncler jackets more excavating would need to be done to properly date the early inhabitants of Moscow, something that is doubtful to happen in our lifetime.
The Kremlin is thought to be from where Moscow sprang. Before the 14th century, the Kremlin was known as "The Grad of Moscow". The Grad of Moscow has been around for hundreds of years until Prince Yuri Dolgorukiy greatly expanded its area. Later, during the Mongol conquests, it was burned to the ground. It wasn't until its rebuilding after the expulsion of the Mongols where the name the Kremlin was first recorded.
Since its rebuilding, the Russian Tsar's made the Kremlin their place of coronation, a place of grand balls and a place of Russian opulence. For centuries now, visitors to Moscow have been amazed at its grandness and ornate design. Even when Russia's capital was moved to St. Petersburg, the Kremlin stood tall as Russia's most lavish structure.
Planning your tour to Kremlin
To this day, tourists from around the world flock to the Kremlin's walls, reveling in its majesty. Anyone who visits Moscow is bound moncler sale to end up at the Kremlin. However, not everyone is aware of the many tours within its walls. If you plan on visiting Moscow, it is
highly recommended that you to go inside moncler uk the Kremlin's walls so that you can get a real taste for Russian grandeur.
Since the Kremlin is situated on Red Square, stands right besides St Basil's Cathedral and http://www.the-way.co.uk/ is a 2 minute walk from the Cathedral of Christ the Savior, it really would be crazy for any tourist of Moscow to miss it. The State Historical Museum of Moscow is also on Red Square, not to mention the endless supply or restaurants and shopping centers. While the Kremlin dwarfs them all in stature, they are all great places to visit. A properly planned trip to the Kremlin will take all day, especially if you plan on going inside.
A photo-tour of the Kremlin
The perspective these photos represent are incredibly unique, very few people are given the opportunity to shoot the Kremlin from atop its walls or from within its gardens. I hope these images impress you as much as they've impressed me.
All the images below were taken by one of Russia's most renown photographers, Ilya Varlamov. His can be found here which has substantially more photos of the Kremlin's exterior. is loaded with photos of Russia, as well as much of the world, making it a must see for anyone who truly admires photography and travel.
by the sunset.
The Kremlin is even more beautiful after the sun sets.


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The Miami Dolphins will continue their long streak of regular-season games broadcast on television in South Florida on Sunday against the St. Louis Rams.
The game is not a sellout, but the Dolphins announced Thursday that they have complied with the NFL's blackout policy requiring that 85 percent of non-premium tickets be sold 72 hours before kickoff. The game will be on channels 7 and 29 beginning at 1 p.m. Sunday.


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35 Candidates Vie To Be Next Minneapolis Mayor
Polls are open in Minneapolis, where voters are choosing among 35 candidates for mayor, Jason DeRusha reports (1:50).
WCCO This Morning - November 5, 2013
WCCO This Morning - November 5, 2013
Noon Weather ReportWCCO Interview: Kate Wetherhead Of ' The...How Was A Fence-Jumper Able To Run...Groups Looking For New Ways To Curb...Police Investigating Baby Death In North...MSHSL Dealing With Guidelines For...WCCO Radio Celebrates 90 Years On The...6 A.M. Weather Report4 Things To Know For Sept. 30, 2014White House Fence Jumper Made It 'Much...Drinking And Working Out? Research Says...Cub Foods Targeted By Data Breach, Again5 A.M. Weather ReportThe Lowdown: Amanda Bynes In Trouble...How To Avoid Paying Record-High ATM FeesMinnesotan To Meet: Scientist Roger...Morning Headlines For Sept. 30, 20144:30 A.M. Weather ReportViral Vid Of The Day: University...What Are Twins Looking For In A New...


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Well 2013 was a big year for me. I'd recently got a new job in travel at the end if 2012. I had also photographed my first year wedding in New Zealand in September the same year. So things were looking up. I had been asked and honoured, to photograph many…
This post was written at the end of August last year but never posted… Hope you enjoy…
So, another work trip was on the horizon. This was after three stag trips on the bounce. Two one weekend after the other. The first was a visit to London which was a…
Me and R-Kid at the #RLWC2103
We don't like Manchester United but it's a great venue for the #RLWC2103 (at Old Trafford)
Just been sent this from work!!! Who knew?? :-)
This wedding was photographed in a small village in rural France. The French people were truly…
#patcash racquet and head band for charity… (at David Lloyd Leisure Club)
Johnny's massive nose
Rugby League World Cup…
Keep it simple, keep it Northern… #manchesterairport #northernsimplicity
One if the best photos ever… (at fuck knows)
Little Olivia… Check this out to have a better look http://www.gavinpriestley.com/little-olivia/ #gavinpriestley.com #babyphotography
Little Olivia #gavinpriestley.com #photography #babyphotography
Never forgotten… (at Mailly-Maillet)
Me and Hannah sharing lunch with these people earlier today!!!


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A single-vehicle crash claims the life of a Maplesville man Friday.
Alabama State Troopers say 69-year-old Billy C. Hawkins died from injures he received when his 2006 Chrysler 200 left the roadway and struck a tree.
The accident occurred at 6:10 p.m. on Chilton County 36 12 miles west of Thorsby. Officials say seat belts were not in use at the time of the crash.
No other information is available as troopers continue to investigate.
Copyright 2014 WSFA 12 News. All rights reserved.
12 East Delano Avenue
Montgomery, AL 36105
(334) 288-1212
FCC Public File
EEO Report
Closed Captioning


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Show More Likes
Welcoming these neon hotties to my shoe collection. Thank you @windsorstore >3
Show More Comments
Love the picture!
Those are amazing!! Barbie shoes!
I have beauties just like this!~
Love the color but looks so painful...ouch!
What photo editor did you use? It's amazing!
@evelinabarry what app do you use as a photo editor?
@evelinabarry they are savage!!!
Love them ware can I get them
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By | April 18, 2012, 11:42 am IST Motorsport
Obama welcomes Tony Stewart and other NASCAR drivers to the White House.
NASCAR driver Tony Stewart (L) and US President Barack Obama walk to the South Lawn of the White House for an event April 17, 2012 in Washington. Obama was joined by NASCAR drivers to honor Tony Stewart's Sprint Cup Series Championship.


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If you have been looking for a networking group that has ties to a local community, then Whittier Leads Club is the place for you! Each month, Members of the Whittier Leads Club make an effort to participate in local business meetings, such as Chamber of Commerce, as well as other area social events. Whittier [...]
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Leads Club Whittier Participates In Many Local Business Events
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A Rough WeekThrough the empty hallways of the abandoned office building, the echoing 'clomp clomp' of the young boy's year-old sneakers were the only sounds that pervaded in one of his last sanctuaries. The little boy wore a yellow name-brand shirt with a safety orange raincoat over it and khaki pants. Armed only with a baseball bat, he ducked under the windows, carefully looking out through the corners to see if he could spot the alien he knew was nearby.He reached a door and tested the knob, entering quietly once he was sure it was open. He followed the hallway rapidly, not as inclined to stealth since there were no windows, but as he walked passed an adjacent hall, he doubled back and looked to the end of it.A part of the wall was destroyed, and as he looked on, he heard the low thuds of the alien approaching. Ducking behind the wall, he stood as still as he possibly could, wrapping the bat up in his jacket to keep it from waving around unnecessarily. The booming footfalls drew closer, then s
Solitude: chapter 6The truck nearly had air time as it rocketed from the underground entrance, the computer incessantly warning of the stress on the jets. Derrik was bent on doing what he could to buy Siyyu the time she needed for her allies to arrive. They had already returned an acknowledgement to the distress beacon, so it was only a matter of time. He just hoped he could stall them long enough.{}We have a confirmed signal above ground, sir. one of the crew said aloud.Home in and make for it once we enter the atmosphere. Jeremiah Innes, or Jerry to his friends, paced around the small bridge, looking over the shoulder of every crew member.Agent Innes, you may be with Intelligence, but I'd prefer to stay in charge of my own ship. the Captain said with a moderately annoyed tone. Four days of orbiting a gas giant, and now they were chasing a lone traitor across a barren moon. He felt like a detective on stakeout.The medium-sized reconnaissance ship entered the atmo
Solitude: ch 1Roaring from the friction upon hitting the mostly Helium atmosphere, the meteor burned red, then orange, then white in mere seconds. It fell with the intent of leaving its mark on the moons surface and struck it with such incredible force it could have annihilated a populated city and lay waste to the surrounding area.Fortunately for everyone, this moon was barren as could be. The Helium atmosphere and lack of natural resources short of the silicon in the soil which gave it it's yellow coloring from space didn't really make it a prime location for terraforming. Another feature of the moon was an irregularity in its magnetic field, which drew a vast majority of the asteroids and meteors that came near straight to it.In an underground compound on the planet, some 200 miles from the impact site, a red light blinked in harmony with a chirping alarm. The base was originally a meteorite examination facility with the purpose of gathering samples and learning what they could from them. Built
Solitude ch. 5Ess...kews mee, Dehr-rik, mey aye...peek yoo...hup? her accent was strong, but the important thing was Siyuu had spoken a complete sentence and Derrik understood it.Very good! You speak well! he clapped his hands looking up at her, feeling so proud of both of them. Three long weeks of learning each other's alphabet and sentence structure were starting to pay off. The walls were covered in various colors of paint with their exchange, half of it was Siyuu's 'small' and simple strokes to display what turned out to be a massive alphabet of some seventy or more characters. They seemed to be comparable to English print, but far more specific in their phonetic representation.One of the first things he learned was that her name wasn't pronounced 'Sah-yoo' but more like 'Sye-yoo'. Derrik had a hard time keeping track of most of the Alarian letters, so he made a piece of paper that he used to compare them to English sounds. Likewise, Siyuu seemed to have a problem figur
Solitude ch 3It was a bit of a rocky start, but how often had first encounters been smooth throughout human history? Derrik was still a bit shaken by the whole ordeal, not sure what to take from it. She seemed very 'human', though the term, scientifically, was a bit bias. To him, it implied that what he witnessed from this intelligent creature was something that was not expected from anything but a human, and it did not sit well with him.Her... race? Species? Her PEOPLE were easily as far along the evolutionary process as Homo Sapians, and they probably had their own word for 'humanity', a fact that rattled Derrik a bit, though he knew it shouldn't. He was a scientist, a person who did not hold biases, but lack of a suitable example left him with nothing more than the sense to get over such things. One thing was for certain, nothing he could say would offend her, because they had no way to properly communicate.After Derrik had knelt there for a time, holding his face against the soft blue skin of
Solitude ch. 4At Siyyu's request, D'rik put on more movies, starting with the second part of the movie she had seen last night. This time, he was up watching the whole time while sitting on her thigh, a spot she 'ushered' him to. She was sure their fun earlier had put them on the right track to being good friends.Siyyu was enthralled about her small friend, but tried her hardest to keep from turning him around in her hand. The euphoria she had experienced was most likely caused by the 'chah-klet' she had eaten, something she was little ashamed of, since she forced D'rik into a position he did not feel safe in. However, she was ultimately glad about the ordeal, since D'rik seemed to trust her much more now.It was probably best to assume that smaller steps were necessary if she wanted to keep D'rik comfortable, but her curious nature was hard to suppress. When the movie seemed to be going into greater exposition, which she couldn't appreciate since she didn't know anything about the human language,
Solitude ch 2"...and I was in so much trouble that I didn't tell her it was broken right away. My mother was so upset because it was one of the first vases she ever crafted on her own." Siyyu Sen was discussing one of her embarrassing moments with some of the other crew members. Her close friend, Jeuno Kali, among them.Siyyu was a technician who was rather new to this ship. She had never been on a battle cruiser, it was a big leap from a frigate to say the least. There were so many people and other technicians that did their job much better than her, she knew the only reason she was on the ship was because of Jeuno's, the ships navigator, recommendation.Jeuno and two of the other crew members were listening with interest, while a taller one with exotically shaped blond hair was lying back in the booth with her eyes closed. She was apparently an engineer of some sort Jeuno had befriended since being on the ship, and was easily the tallest Alarian on the ship since Siyyu barely came up to her shoul
Legacy Chr: Non-Lethal TacticsAlright, ladies, I've got a real treat for you today. their instructor called to them. She walked with authority in front of the line of recruits who were nearly done with their training. Each of them had done very well in her opinion, but she wasn't about to tell them that.Today, you're going to witness a different kind of 'Hands-on Learning'. the instructor gave a sly grin, but to what, the recruits didn't know. She was an imposing woman, taller than most of them, but she had been fair to each of them. The only one she never seemed to address though, was Thendria Kol, an up and coming young soldier who had proven without a doubt that she was going to be one hell of a close combat specialist.Thendria stood at the front end of the line, a place she had been assigned very early on in their training. Her long white hair darkened at the end to a stormy gray, reaching almost the base of her thigh. An attentive look was present on her stern face, her nearly crimson
Wish Upon a Star"Star light, star bright; first star I see tonight. I wish I may, I wish I might...have the wish, I wish tonight." the small red haired girl sang to the quiet night sky. "I wish for a fairy godmother who will help me find my parents."The little girl stood in the middle of the empty road. A whistling wind blew through the town without being dampened by the voices of thousands of bustling people, and found its way over and around every abandoned building and alleyway. Cars were left as is, thought they all lead to the space port where a great deal of ruckus obviously happened recently.She hadn't a clue why everyone ran, and could only remember her parents faces as they were swept away in a sea of upset people that really wanted to get to the space port. She cried for sometime, only to realize after a while that her crying was the only sound she could hear and found all the people were missing, including her parents.Her mother had always told her to stay in place in case she got lost,
Soldiers of FortuneHeres everything I know about war. Somebody wins, somebody loses,and nothing is ever the same again.Admiral Constanza Stark------------------They became recruits at the same time. They were the best of their squads. They believed nothing could stop them, that nothing could stand in their way. How foolish they were, before they got that real taste of battle.------------------Nath Lloyd smiled as he readied his weapons, a sniper rifle and a pair of SMGs. Sergeant Mark Williams shook his head, Boy, youre never going to take down an Alarian with those things. You need something with a bit more power. If ya dont youll never pierce their armor. Nath laughed, Im not going to pierce their armor, Im going to shoot at the cracks in it. Nath looked over at his friend, Illiam Hatch, and said Besides, if they get to close you can blast em, right? Illiam nodded with a smile, Right.The pilot spoke o
Legacy - The Long Haul The Long Haul "This is Starry Mist to Command Station Ugros, over, prepping for departure.""Ugros acknowledges, departure green. You're free to go."With an audiable ka-chunk, Leesen's cargo hauler flew free of the docking clamps, the thrusters burning brightly, moving the ship away of the space station. This had been his first run alone and for once in his life he didn't screw it up. He was surprised, actually. Leesen then eased the thruster power up to cruising speed, watching slower space traffic fall behind him. Activating the auto-pilot, he got up from his chair, stretched and decided to forge around in the galley.Leesen was a Xasheen, a tall, wiry humanoid with pale green skin. His eyes were dark, his pupils white, like all the people of his race. His noseless face was smooth and defined, his hairless head tattooed with various tribal symbols of an ancient tribe he
ITLOE: Chapter I'******' -- indicate a point of view switch.'......' -- indicate time shift.~Flashback~words in italics -- thoughts and emphasized words.Chapter I Assessing the SituationEyes opening up to a strange new world around her, Michelle Clara Knight sat up with an audibly loud groan. What did I do...? It feels like I have the hangover of the century! More importantly... She looked around briefly at the unfamiliar territory. Where the heck am I?Impossibly large peach-colored walls towered above her on all sides and when she looked above to the ceiling, she saw a chandelier, appropriately separated from its siblings also on different sections of the ceiling, hanging by a post. It was stunningly breathtaking...not to mention rather expensive looking...which once again raised the question of where Michelle currently was.She looked down at her clothes for a moment, seeing the same outfit that she was in previously. Huh...now that's pecu
Shipwrecked Discovery"*Pant...Pant...Pant....*"I couldn't believe the luck I had...Of all the places for my plane to crash, it had to be on a remote island that is probably nowhere near civilized shores. It's been 2 days since I crashed here...and no sign of human life anywhere. The only living things here are the masses of tropical plants and many various birds and fish. Thankfully, to my luck, there was a freshwater stream nearby, so I was thankful for that. With the fruit and fish found here, plus natural freshwater, I could probably survive here for awhile until I can see a boat come by....if ever.My only main problem was lack of shelter. My plane was a total wreck from the crash, and almost nothing was left of it to make a suitable makeshift house. This island I had crashed on seemed to not have any sort of mountains or cliffs...it was all tropical jungle, from one coast to the other, it seemed. With that said, finding decent shelter for the night was rather difficult, especially since I've had to e
SnaredDeath came in many forms. His was going to be a human.Oh, Warren, what a sorry excuse for a wood nymph you are, he scolded himself miserably. Can't even take a simple walk without getting captured!Warren shifted uncomfortably in the rope trap that hung from a tree limb, rocking gently in the night breeze. It had probably been meant for something bigger than him, but that didn't help him in the slightest. The openings between the patterns of rope were only big enough to get a limb out at a time, if he was lucky.Slumping against at the bottom of the bag-like trap, he buried his face in his hands. He was surely as good as dead. From what he gathered, humans were merciless, especially toward things they didn't understand very well. A wood nymph wouldn't be an exception. A human wouldn't lay a trap without checking it later. It was only a matter of time. To make the situation more helpless, he was quite a distance from home. No help would be coming.Trembling, he checked on
Legacy Chr: Earned not GainedNow you understand, you will be the first Alarian to do this. There are skeptics from both races, and you will be scrutinized over everything. Janice, the human social worker paced along the giant table. Sitting next to, but easily manging to loom over the table was a very large alaerin, quite tall even among her own people. With one hand, she twirled her silvery blue hair, with the other, she flipped through pictures of smiling human children on an appropriately sized terminal, her bright green eyes affectionately gazing at each digital image.I'm aware of the people that are worried, but don't, I'll be the best faster mother possible. Ronoon replied. She couldn't help but smile and adore each child as she glanced at their likes and dislikes, she wished she could simply adopt all of them, but the terms were one child until he or she reached adulthood.Foster mother. Janice corrected, You're adopting a child...A human child. I can respect that
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Luscious Lemon Frosting
This recipe goes with Luscious Lemon Cake
Yield: Makes 4 cups
More From Southern Living
Recipe Time
Prep Time:
- 1 cup butter, softened
- 2 teaspoons lemon zest
- 1/4 cup fresh lemon juice
- 1 (32-oz.) package powdered sugar
- 1 to 2 tablespoons half-and-half (optional)
- 1. Beat butter at medium speed with an electric mixer until creamy; stir in lemon zest and juice. (Mixture will appear curdled.) Gradually add sugar; beat at high speed 4 minutes or until spreading consistency. Gradually beat in up to 2 Tbsp. half-and-half, if necessary, for desired consistency.
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Luscious Lemon Frosting Recipe at a Glance
- COURSE: Cakes/Frostings
- MAIN INGREDIENT: Dairy
- PUBLICATION: Southern Living
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Educational links, listed below, are provided for your convenience. Neither the links nor their content are endorsed by the University of Nebraska Medical Center.
The American Academy of Otolaryngic Allergy
Dedicated to the education and communication of how to handle allergies, especially those directly affecting the ears, nose and throat
Cleft Lip and Palate
Features issues related to cleft lip and palate
The Ear
Web site intended to answer common questions about conditions of the ears, nose and throat in children
Ear, Nose and Throat
American Academy of Otolaryngology - Head and Neck Surgery
Web site of the national organization dedicated to the specialty of Ear, Nose and Throat physicians
Medical Textbooks
Medical textbooks for health professionals available for use by the general public
Oral, Head and Neck cancer
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Features an online resource list, a newsletter and product descriptions
The Oral Cancer Foundation is a national public service, non-profit entity designed to reduce suffering and save live through prevention, education, research, advocacy and support activities.
American Academy of Maxillofacial Prosthetics
The Academy is devoted to the study and practice of methods used to rehabilitate esthetics and function of patients with acquired, congenital and developmental defects of the head and neck; and of methods used to maintain the oral health of patients exposed to cancer-cidal doses of radiation or cytotoxic drugs.
The Nose
Patient information about sinusitis
Plastic Surgery
American Academy of Facial Plastic & Reconstructive Surgery
Explanations of a variety of plastic surgery procedures
A resource for parents of children who have had a tracheotomy developed by a nurse, Cynthia Bissell, R.N., of Grafton, Massachusetts, who describes her own experiences with her son's surgery and provides useful information on tracheotomy in children
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David Zeppieri, the Transportation Security Administration's chief information officer, has resigned for personal reasons after working for a year at the troubled agency. No replacement has been named, but Joe Parks, once TSA's acting deputy CIO, is the agency's acting CIO for now.
Retired Air Force Reserve Col. Janice Manijak Morrow has been named
director of strategic initiatives at Sentel.
Virginia Gov. Mark Warner has appointed Maloy Jones, vice president of global sales and client solutions in EDS' Government Solutions unit, to the board of directors for Virginia's Innovative Technology Authority and Center for Innovative Technology.
Rita Reed was named the principal deputy assistant secretary of management at the Department of Veterans Affairs.
Tom Mazich has joined SAS Americas as vice president of U.S. Government Operations.
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London - United Kingdom
The London Open House event will be on Saturday, January 26.
This is an excellent opportunity to visit our campus in the heart of London. Hult's central London Campus is located in Bloomsbury. You will get the chance to meet Hult staff, professors, current students, alumni and, of course, fellow Hult applicants.
Some of our acclaimed professors will be giving sample lectures in different topics to offer you a better understanding of what it is like to be in a classroom at Hult.
January 26,
11:00a.m. to 5:00p.m.
Hult International Business School46-47 Russell Square - BloomsburyLondon WC 1B 4JPUnited Kingdom


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I also met Gail Simone! I made mi hermanos come with me to all the signings because I'm dork and too nervous to go alone, but also because she is super important to all of us. Of course Nick here actually had something for her to sign and a nice story to tell her, which left me even more awkward. She did sign my notebook with a cute little sketch. I know at one point while drawing that she asked how my convention was going, but I really don't remember anything I said. I remember realizing how dry my mouth was and it became really hard for me to speak because I was so nervous and didn't really have anything to say because Nick said it all already. Oh well, it was really nice to meet her anyway. And I really really can't wait for Red Sonja now.
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The security week that was: 10/01/10 (organized retail crime)
A weekly surveillance of the news shaping your profession
In other news:
ADT moving to a new HQ, Stanley's scoreboard, India wants CCTV in hotels, more...
ADT will be moving to a new headquarters building in Boca Raton, Fla. The new facility will have ADT operations for North America, as well as SimplexGrinnell, ADT Latin America and some Tyco positions. Part of the HQ move can be credited to the acquisition of Broadview Security (formerly Brink's Home Security). ... The Eiffel Tower was evacuated again on Tuesday due to a phoned-in bomb threat. That roughly coincides with the uncovering of plans for "Mumbai-style shooting sprees" that would be used to attack European cities. ... Stanley CSS unveiled a "scoreboard" of metrics that the firms commercial customers can use to manage their account. ... A shooting at an Omaha hospital left two police officers injured. The incident was believed to have been related to a domestic dispute. ... Indian authorities are calling for a greater use of video surveillance inside hotels.
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How Not To Blow Your Website Refresh
Every so often, houses need to be renovated or gutted; the same goes for Websites. But without the right approach and planning, a Website overhaul is a waste of time, effort and money.
To take a Website to the next level, there are key steps that must happen, otherwise you're simply flying by the seat of your pants. read »


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In my old home, I wasn't allowed on furniture, but thanks to WIN I know the joy of a leather sofa! I'm sure I could get down long enough to lead a silly old parade though! Vote for me, Abbey W!
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Jr Doozer Kong Fraggle Rock ShirtProduct Sku: FRAGG054
$ 20.00
- This Fraggle Rock shirt shows a Doozer building a video game level that looks a lot like Donkey Kong. This Doozer has made this shirt look good enough for Fraggles to eat. The Doozers were known for their elaborate constructions.
Size Width (A) Length (B) Small 16.5" 23" Medium 17.5" 25" Large 18.5" 25" XL 19.5" 26"
*Measurements are listed in US Inches.
*Bust or chest is done by doubling the width measurement.
*For full circumference of the waistline, double the waist measurement.
- • Product Type: T-shirts
• Color: Black
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• Graphic: Distressed Screen Print
Distressed refers to the worn appearance in the image or lettering on a garment. A distressed print may include faded areas, missing color, or other irregularities. This is an intentional occurrence in the product and adds to the vintage look of the design.• Tag Location: TaggedThis t-shirt features a traditional fabric tag with sizing and composition information located on the back neck seam inside the shirt.
• Made of: 100% Cotton
• Fits like: Slim-Fit
• Fabric Softness: StandardT-shirts of STANDARD SOFTNESS are composed of traditional material and are considered to be your standard weight classic T-shirts.


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Ya, I felt the same about this. The HG/SS and B/W cartridges are slightly transparent black though. So, technically, Pokemon Black version is the only DS game cartridge to have the same treatment as the early games had. So, actually…most of the games are black cartridges.
Pearl - gray cartridge
Diamond - gray cartridge
HeartGold - black cartridge
SoulSilver - black cartridge
Black - black cartridge
White - black cartridge
P.S. If you're thinking "the black cartridges aren't transparent". Yes they are, if you look VERY carefully. Get them under a bright light. ;)


text:
Century Vinyl 6 lb Medicine BallItem Number: 13063679
Price: $23.99
Free Shipping Eligible on Qualifying Purchases Over $49! Up to $15 Shipping Credit. (See Promotion Details)
Product Information
Customer Reviews
Buying Guide
Tone up and shake up your regular workout routine with the Century® Vinyl 6 lb Medicine Ball. This 6 lb vinyl medicine ball is sand-weighted for unbeatable durability, a solid grip and long term wear and tear. Perfect for both cardio and strength training routines, this versatile workout aid can help improve your coordination, endurance and overall fitness to help you reach your goals.
- Weighs 6 lbs
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- Build and tone muscles during aerobic or strength training workouts
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Country of Origin: Imported


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The labeling today by Ken Clarke of a large number of his erstwhile colleagues as 'extreme' Europhobes is not something the public will be that surprised about as the Prime Minister enters the budget negotiations over the next week.
Once again (and its now true to form) the Tory right are trying to claim – incorrectly – that Labour is being inconsistent on Europe. That somehow you cant be pro-European unless you are calling for a massive budget increase with more powers devolved to Brussels plutocrats; or anti-European without wanting to undermine the very Economic union which has led to decades of peace and economic growth across the continent. It is a sad parody on our media that these two extremist and absolutist positions are totally false arguments devoid of political reality.
It is a fallacy to state that you cant wish to remain in the European Union as a full trading partner, with the benefits of an open market, but also wish for a budget cut to the European Union in light of fiscal tightening, which is happening in all national budgets across all of Europe. The two are entirely consistent and actually present a rational argument in stating we want a European Union which works at a time of cuts. Why are the right lampooning this argument which I suspect most reasonable people would subscribe? Indeed, one which the Conservative leader himself can subscribe, were it not for his weakness on the negotiation table.
I suspect today Ed Miliband will rightly emphasize the One Nation willingness to engage in some of the more positive aspects of Europe because in a global world you can retain a national identity whilst working with partners to create economic growth; the notion of peace across the continent; the leverage it allows us to manage trading relationships in an increasingly economically regionalised world and one which allows resources to be pooled and standards maintained.
This does not mean that Labour is slavishly devoted to joining the Euro and selling our rights down the river, or that people on the left are happy with the bureaucratic meddling of Brussels, or the increasingly opaque nature of budgetary management. We are not. I am, like the next person, very unhappy with the current state of Europe and its management but I also know that by leaving we would lose out on trading relationships. Europe does have a democratic deficit problem; its budgets and its processes are opaque and there is a serious argument for major reform of CAP and political process within the structure. I also believe that at some point the British public will need to be consulted on our relationship to settle the issue once and for all; I don't agree that the best time to consult was during the biggest economic crisis in 80 years.
Once upon a time people with views like mine would have been welcomed in the Conservative movement as being pragmatic and reasoned. We would have been respectfully listened and engaged, but such is now those with moderate voices are lynched by the right in quite literal modern day witch-burnings on ConHome or beyond. The centrists in the Tory party are quite literally purged and cast adrift before our eyes.
It is true that there is populism in being anti-European but then there is populism in lots of issues where government has a wider responsibility; it is always easier to win an audience of sorts, but as we saw last week a lot of the support for UKIP does not switch to mainstream political parties were UKIP not to exist. UKIP support at the PCC ballot on second preference went to extremist parties. The problem with courting this type of absolutist vote is that you will never be able to appease it; it will simply continue to bite and nibble away because its only outcome is self-interest. UKIPs self-interest is to ensure that wherever a mainstream party positions it ensures it does just enough to ensure it lies outside and hoovers up this vote at European elections.
How does the Tory machine placate a single-issue, rabidly-populist and well resourced UKIP; well stop giving them legitimacy in debates in Westminster and by talking and hacking over Europe is one such answer. The problem is that UKIP know that some Tories are very happy to engage and in my mind partner on the issue; it allows them to move the party to the right.
I suggested in 2008 that Cameron could have shown a 'clause four' moment by ridding himself of this anti-European caucus by setting a centrist position and challenging the critics openly. Instead he took one look at his ageing membership and decided to go for a cast-iron guarantee on a referendum and shift to the right at a time of leadership weakness. His mistake, and lack of leadership, is the reason why the Conservative Party lost the general election – because people didn't believe a leopard had changed its spots and the same mistake for them is happening again. Picking Lynton Crosby today; who played a right wing card and lost in 2005 (and badly) and who barely scrapped a victory against a long-toothed lefty in London is straw clutching. They have quite literally given their campaign to the Wizard of Oz such is the fairy-tale of his reputation.
The Tory obsession with Europe is what is leading to the UKIP vote increase because Tory MPs keep putting the issue back into the public eye. On all polls about which the public care; they care little for the cause of constant European debates. When turnouts for European elections are just above PCC levels you know in reality the cause is one which little outside a small minority have a passion about. It is also of note that over the last 12 months the Tories have been moaning about this topic that the polls have not budged above 33% (or the core vote).
Conservative absolutists however are not interested in reasoned argument or positioning; you are either with us or against us and for all intents and purposes a strong UKIP allows leverage on the party. The problem is with this convulsion is that not only do you lose voters as a result but it pushes the party further from the centre.
Labour has an opportunity to articulate a reasoned One Nation 'conservative' message on Europe. I also believe that most sensible and reasoned people are open to that message, which is why as we come to the close of 2012, it will be Labour leading the polls after a European meeting and not, like last year, a bulldog Cameron.


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Supposedly the Master Chief that can override my entry into any MOS that requires a security clearance is due to return from leave sometime this week. Here's hoping that he can work his Navy magic and allow me to resume my intended career path.
For some added inspiration, here are some SEALs being some hard ass motherfuckers.


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Have an outrageous and lively Halloween this year by looking your best in one of our Women's Designer Costumes. We offer brand name outfits that come in some of the most unique fashions. These are high quality ensembles that come with all sorts of amazing accessories. We offer you complete designer attires that come in styles such as: Moulin Rouge, Burlesque, Gypsy, Brazilian Show girl and many other exotic themes. You'll be seen as a vision of pure beauty by everyone at the party. Whenever you enter a room all eyes will fall on you, they won't be able to escape your entrancing splendor. So if you want a show stopping outfit for your upcoming Halloween party, look no further than our Women's Designer dresses.
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This section contains 174 words
(approx. 1 page at 400 words per page)
Brians, Paul, "The Enlightenment," Washington State University, www.wsu.edu (May 18, 2000).
Caine, Barbara, "Victorian Feminism and the Ghost of Mary Wollstonecraft," in Women's Writings, Vol. 4, No. 2, 1997, pp. 261-75.
Clark, Jenifer D., "Women in the French Revolution: The Failure of the Parisian Women's Movement in Relation to the Theories of Feminism of Rousseau and Condorcet," in the Concord Review, Vol. 7, 1992, pp. 115-27.
Green, Karen, "For Wollstonecraft (Obituary)," in Hypatia, Vol. 12, No. 4, Fall 1997, pp. ix-x.
Murray, Iain, "The New Science of Sex," in The American Enterprise Vol. 14, No. 6, September 2003, pp. 34-35.
Todd, Janet, "Mary Wollstonecraft: A 'Speculative and Dissenting Spirit,"' British Broadcasting Association, www.bbc.co.uk/history/society_culture/protest_reform/wollstonecraft_01.shtml (April 19, 2002).
Wallace, Heather E., "Sophie: Woman's Education According to Rousseau and Wollstonecraft," Georgetown University, www...
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Five factors for your asset allocation
Published on - June 26th, 2013 (by Robert Brokamp)
This is a post from staff writer Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service.
When you think of your portfolio, visions of stocks, bonds and cash likely dance in your head. Generally, the mix of those investments is based on some measure of risk tolerance, with a little bit of time horizon calculation thrown in, and — voila! — you have yourself a nice portfolio pie.
While that's a fine start, those two factors probably deserve a bit more consideration than they're given. Plus, there are a few other variables that might influence what other investments you buy. Permit me to elaborate…
When you'll need the money
The conventional wisdom is that the farther you are away from your investment goal, the more risk you can take. While that's generally true, discussions of investment time horizon usually focus on one point in time, and that's usually when someone will retire. However, a retiree won't need all the money all at once. She'll take a bit out the first year — let's say 4 percent, since that's the safe withdrawal rate that most studies hover around (though there's plenty of debate about it) — but the rest will remain invested. Then she'll take out a bit the next year, and then a bit three years later, and so on… for decades. Retirement isn't a single financial goal, but a series of 30 or so (depending on life expectancy) progressively longer goals that must be met each subsequent year.
These goals must meet two criteria: 1) The money must last as long as the retiree does, and 2) provide income that keeps up with inflation. The implication is that retirees should still have money in stocks, since a portfolio dominated by bonds and cash would have trouble accomplishing both of those criteria.
The reality of risk
If you visit a financial adviser or use some kind of asset allocation software, you'll be asked a series of questions that will attempt to determine your risk tolerance. What this is really asking is how much of a decline you can stand before you panic and sell. However, thanks to the Great Recession, you already know the answer to that question. From October 2007 to March 2009, the S&P 500 fell more than 50 percent. Did you sell your stocks, hold on, or buy more? If you just couldn't take that big of a drop, then you need to have something that will hold up the next time the market tanks — and there will be a next time, we just don't know when.
Risk and time horizon intersect at another portfolio decision point, and that is how flexible you are with your goals. If you absolutely need a certain amount of money at a specific time, then you need to invest in less volatile investments such as cash or short-term bonds. But then to reach those goals, you'll have to save more since you'll earn very little in the way of returns. However, if the timing of your goal is more flexible, you can invest more in stocks and possibly accomplish your goal sooner – or, if the market disappoints, later. The more you invest in stocks, the more you broaden the range of possible future values of your portfolio, for better and for worse.
Other sources of retirement income
You might be among the lucky minority that will receive a defined-benefit pension (i.e., a monthly retirement check for the rest of your life, courtesy of your employer). Or you might decide to purchase such a benefit yourself in the form of an income annuity. Maybe you own some property and receive rents every month. Whatever the source, a reliable stream of retirement income can factor into an asset allocation.
Retirees whose total retirement expenses are covered by a pension (or other income) can take more risk since a market downturn likely won't change their lifestyle or require them to go back to work. For those who rely on their portfolio for at least some of their income, they have to play it safer. Retirees should keep at least five years' worth of expenses out of the stock market. That might be safe enough for some investors, especially those who have a pension as a safety net. For those whose pension doesn't cover much, then the portfolio should be closer to a traditional mix of stocks, bonds and cash.
However, all this depends on how safe that income stream is. Just as bond issuers occasionally go bankrupt, there's a chance the company behind your "guaranteed" retirement income will go belly-up. Pensioners need to regularly assess the financial viability of their pension provider. Even many state and local government pensions are underfunded, to the tune of $3 trillion across all government plans, according to ratings agency Moody's. Just ask the pensioners of Detroit, who are currently facing potential cuts. Private pensions are backstopped by the Pension Benefit Guaranty Corp. (PBGC), but it only insures benefits up to a certain amount ($57,477 for plans terminating in 2013). Plus, the PBGC itself is underfunded by more than $20 billion. Government pensions are backed by the power to raise taxes, which will lead to some heated debates as more and more Boomers retire and strain government budgets. As for annuities, make sure the insurance company sending the checks is rated A or higher by Moody's, Fitch and S&P.
Your human capital
If you're still working, you're a living, breathing money machine. Every workday, you exchange your hours for dollars. Some experts think those dollars should be taken into account when you allocate the dollars in your portfolio.
Your ability to earn (and grow) a paycheck is known as your "human capital." It can include your skills, education, network, charisma, and other traits that you can turn into a paycheck. But not all paychecks are created equal. Some are relatively stable and secure, others are more variable and unpredictable.
Finance professor Moshe Milevsky has written about this quite a bit, often asking this question: "Are you a stock or a bond?" (In fact, that's the title of one of his books.) If your job is safe and your income steady and reliable, you're more like a bond and can take more risks with your assets. On the other hand, if your job and compensation are very sensitive to the health of the economy, you might play it safer to mitigate the risk that your paycheck and portfolio are down significantly at the same time.
You also don't want too much of your human capital and your investment capital reliant on the same company, or even industry. This most obviously applies to workers who own company stock. One rule of thumb is that investors should have no more than 5 percent of their portfolios in one stock. But if that one stock is in the company that also puts food on your table, then even 5 percent might be too much since you don't want your paycheck and a large portion of your portfolio to disappear in case your company becomes the next Blockbuster Video, Circuit City, Lehman Brothers, or other company that once seemed on top of the world but is now gone or barely breathing.
Your adviser diversity
Your portfolio was built on a foundation of education, judgment and advice. Investments made it into your accounts thanks to the decisions of one or more people who think they know a thing or two about investing. One of those people may be a financial adviser, who recommended that you buy certain stocks or funds. Others could be the managers of the funds you own, who decide what the fund itself should own. Then, of course, there's you – the person who plays the role of portfolio bouncer, standing at the front door and deciding who gets to come in and who gets thrown out.
Here's the thing about people: They're not perfect… and that includes you (as smart and good-smelling as you are). Even the world's greatest investors make mistakes, and some turn out to be not as great as we all thought. The investing world is full of examples of once-great funds or fund managers who lost their touch — assuming they had it in the first place, and their "outperformance" wasn't really "dumb luck."
To mitigate this "everyone's fallible" risk, make sure you're incorporating a diversity of analyses and opinions into your portfolio.
This article is about Investing, Planning, Retirement
I'm one of those folks that folded and dumped a lot of stock in the 2008 crash! After such a big mistake, I am slowly trying to train myself to get back into stocks (namely market index funds).
Hopefully this time around I'll be able to stick with the swings more and pickup additional stocks as we go down.
I'm trying to keep the 30-year outlook in the front of my mind and not worry about daily gyrations!
I think the 30 year outlook is definitely the way to do it. Its just hard to stay the course after you have taken a serious beating like we did in 2008.
I would also think that other things could be considered outside of the stock portfolio when it comes to your allocation as well. Say you have 100k in stocks, 20k in savings account, real estate, and side hustles making money. Its easier for that people to take more risk possibly in the market knowing that all around they are diversified. When people look at allocation it should be a total picture of their financial situation and not just want is invested in stock in my opinion.
Great stuff here. I've taken those "risk tolerance" surveys and I honestly can't believe that they have much value. You really have to live through a crash to know how you'll react. Hopefully people remember their feelings during 2008 and don't let the run-up over the last few years completely cloud their judgment.
One thing that people often fail to recognize is that there is real long-term risk with stocks. When you look at 30 year periods, the thing people focus on is that the returns are always positive. But the difference between a 6% annual return and a 10% annual return is HUGE over that period of time and will really affect how much money you're left with. Don't get me wrong, I think that having a strong allocation to stocks is a big part of long-term investing, but there is real risk involved that people should understand.
When the stock market tanked, I was still buying stocks. The only reason I did so was due to my age. I felt like I had time on my side. If I was 55, instead of 35, then I would have probably freaked out and sold the stock as well. The time horizon is a huge factor for me.
I don't know if this is the smartest thing, but I have two different Target Date Funds with different companies – Schwab and T. Rowe Price. I don't like to put all my eggs in one basket but I worry that I may end up spread too thin. No matter what I do, there is somebody doing it better than me. I guess I have to remember to do what makes me sleep best at night.
I bought heavily into Las Vegas Sands and Ford Motors in late 2008 and early 2009. I thank my lucky stars I had the courage to make those purchase$.
There are a few great tips here. It's so common that people plan their asset allocation based on the year they want to retire when in reality, they'll only take out a small portion that year and for the 30 years following. I also thought the metaphor of whether your job is a stock or bond is a valid one as well.
Pensions- They are joke right now. 3 Trillion is a very conservative # of how much they are underfunded. If you were to look at all Pensions in the U.S. they are probably close 20 trillion to 50 trillion underfunded depending on calculation methods used. Many promises were made that can't be kept and the taxpayers will revolt if they jack taxes up more because they don't have anymore wiggle room to be paying for other peoples pensions.
Stocks-Most people underperform any returns including indexing because they try to time the market or just from fear of losses. Every study has proven the majority of investors shouldn't be touching their investments very often because they have no clue. At the same time I believe the only way to be truly successful is take responsibility and educate yourself. It really is a catch-22 for most people. I have taken the personal mantra of only buying assets when they are close to historical lows adjusted for inflation and then only indexing to protect myself. Most people thing the game is rigged and they are right. The house has most of the cards and tricks so for the average person if you aren't counting cards or have a camera behind the dealers back you have no chance.
Boomers- In general they and the aging pop. are the elephant in the room. Between pensions, s.s. and medicare the unfunded obligations exceed well over 100 trillion. Medicare is probably the biggest issue, when 1 hospital visit costs 100k it makes s.s. look like a small issue. These issues will be shoved down are throat in the next 10 years because they will be unavoidable. My relatives from the g. gen and s. gen. I have seen hospital visits cost 100′s of thousands of dollars in repeat visits. If you start multiplying that by 65 million, that will be the final nail in the debt coffin. The tax base isn't there to support these unfunded obligations.
My philosophy has always been save as much money as possible when possible, but even then its tough. The cost of everything has increased dramitically in the last 30 years. Trying to send kids to college and helping out parents simultaneously can cost a small fortune.
People often forget that their investments for the future (college savings, retirement, etc.) have to keep up with inflation. And the money still has to be there far into the future for when you will need it. Good advice.
Pensions vary widely, especially when you're in the private sector. Good information here.
We need a small army of people with your wit and wisdom teaching financial literacy to young people before they go out into the world! I was able to stay strong through the recession with my "ostrich strategy" of not looking at my 401K until it was almost over. And I do smell good; thanks for noticing
Not bad info. I would like to point out that people trade work for money, not hours. if I come to work and just sit at my desk I won't get paid for it.
And don't forget to continue live life and save for retirement. There are things in life that are best experienced when you are young and fit, and there is no guarantee you'll live another day. so, I say take a balanced approach between saving, spending, and giving.
I especially like Robert's point about your job being a stock or a bond. This plays into how big your emergency fund should be. If you are in a sales position, you may need a year's worth of expenses, but if you work for the government, three months should suffice.
Along those lines, you don't want too much company stock. Robert is right that this is way too much risk.
As usual, Mr. Brokamp tackles a complex issue with knowledge and humour, which ends up being a fantastic post. Thank you for pulling me back to GRS, time and again.


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My Big, Gigantic Drum Kit
So let's talk a little about this freedom they're always going on about. Or, to paraphrase Lenin, the libertarian's ultimate nemesis: freedom for who to do what?
Most American adults spend about half their waking hours at a job. And during that time, libertarians do not give a flying fuck about your liberty. Instead, they condone the most brutal of tyrannies all in the name of a private employer's freedom.
Racial discrimination, verbal abuse, random drug testing, body-searches, sexual harassment, illegal termination, email monitoring, union busting, even withholding piss-breaks–ask any libertarian how they feel about workplace unfreedom and they'll tell you: "Hey man, if you don't like it, you have the freedom to get another job." If folks are hiring. But with four-and-a-half applicants for every job, they're probably not.
Here's another thing libertarians always forget to mention: a free-market capitalist society has never and by definition can never lead to full-employment. It has to be made to by—you guessed it—the Nanny State. Free market capitalism actually requires a huge mass of the unemployed—it's not just a side effect.
And make no mistake: corporate America loves a high unemployment rate.
When most everyone has a job, workers are less likely to take shit. They do nutty things like join unions, demand better wages and refuse to work off-the-clock. They start to stand up to real power: not to the EPA, and not the King of England, but to their bosses.
But with a real unemployment rate close to 20 percent, that ain't happening. Well, fuck. Better sign up for that Big Government welfare state they're always whining about. Hey, don't worry. You could always sell a little crack and turn a few tricks. Libertarians totally support that.
After all, that's your freedom, dude!"
There is a photo hanging in my childhood bedroom of me and a bunch of my high school friends on the Tower of Terror, faces frozen...
All research enquiries sound insane. Sometimes, as when you are squodging through a sewage tunnel researching Neverwhere, they seem insane to you...


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I returned this item because the holster is extra small. I assumed since it was a NATO holster it would hold a small 9mm semi-auto, I don't own a pistol small enough to use it. Maybe S G could provide some addl. info for customers to evaluate the products applications.
Used NATO Military Surplus Drop-leg Holster, Tan with Camo Fabric
Item # WX2-580059
- Google+
- Details & Specs
"Vet" NATO Military Surplus Drop-leg Holster.
Packing heat? Get this tried and true NATO Holster for your small frame handgun. Mission-ready for a second tour of duty.
- Adjustable 1 3/4" web drop strap and leg strap with quick-release buckle
- Holster and both mag pouches are removable. 13"l., 1 lb. Imported.
Condition: used in very good shape.
!!! Limited Quantities !!!
- Reviews
Customer Reviews
New, very nice little holster for smaller frame guns (like the CZ82, LC9, etc.)
Holster is sized for a CZ82 pistol. Fits exactly including both retention straps. If you want a good solid drop leg rig, get this and replace the holster with any size you need. The holster slides onto a short wide belt and is held firm on the leg pad by stiching, snap, and and a buckle. I replaced my holster with a cheap Uncle Mike clip on (clip removed) sized for my Glock 22. The original holster has a large belt loop and can still be used as a belt holster.
Not happy with the size, I dont know of any 9mm handguns that will fit it. I had hopes to use this for my beretta but not even the tip of the barrel fits. I even tried my m&p shield which is a compact single stack 9 and that doesnt even fit...very misleading, not sure what Nato 9mm this was made for??
Good quality. But to small for a full size glock or m9
The only thing I was disappointed in was the size. I was hoping to carry a full size 1911 pistol in this. It may just barely fit, but not too securely and the magazines are a really tight fit. But still a good find overall.
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Ranked #1 in 8 out of the 10 evaluated specialties by U.S. News
MyPatients provides referring primary care providers with secure access to their patients' information.
Boston Children's has launched the world's 1st program dedicated to offering hand transplants to children who qualify.
First-of-its-kind international contest takes first steps toward establishing "best practices" for using genomic sequencing
Read the latest blog by a Boston Children's doctor, clinician or staff member.
Support the hospital with a donation that helps kids get the care they need.
Identification and characterization of novel genes in left sided congenital heart disease
A significant proportion of heart malformations in children are due to a genetic cause. We are only beginning to uncover what those genetic causes are. One form of heart malformation that affects the left side of the heart is often seen more than once in a family with a range of seriousness from mild to lethal without surgical intervention. Although all of us have repetition in our DNA that does not cause disease, occasionally duplications of genetic material can cause medical problems. There are two cases at our institution of children with a left sided heart malformation who have a genetic duplication (extra genetic material) that we believe caused their heart defect. There are dozens of genes within each duplicated region and we believe that several of these genes must be important for the normal development of the heart. We will study heart tissue from children with left sided heart defects to see if any of the genes in these two regions are more or less expressed when compared to healthy cardiac tissue. We will determine if mutations in the genes that are different in their expression in children with heart malformations can cause heart disease in a larger group of children born with a heart problem. It is our hope that by better understanding the genetic causes of heart malformations, there will be improved diagnostics, treatments, and disease management with the ultimate goal of preventing the heart abnormalities in the first place.
If this is a medical emergency, please dial 9-1-1. This form should not be used in an emergency.
This department is currently not accepting appointment requests online. Please call us at: 617-355-6000. International +1-617-355-6000.
This department is currently not accepting appointment requests online. Please call us at: 617-355-6000. International +1-617-355-6000.
If you have questions or would
like more information, please call:
The future of pediatrics will be forged by thinking differently, breaking paradigms and joining together in a shared vision of tackling the toughest challenges before us."


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November car sales set 4.5-year high
Fallout from superstorm Sandy, discounts by the Asian automakers and a pre-holiday bump for luxury brands work in automakers' favor.
The industry benefited from discounts by the Asian automakers, a pre-holiday bump for luxury brands and buyers whose late-October purchases were delayed due to superstorm Sandy or who needed replacement vehicles for their damaged or destroyed cars.
While dealerships were hit hard by the storm, we reported early on that sales would rebound starting at the end of November. For many automakers, the entire month turned out quite well.
Porsche came out the big winner, with the 911 experiencing a 94 percent jump in sales over last November and the Panamera getting an 80 percent boost. November was the best sales month on record for Porsche in the U.S. Lexus, BMW, Infiniti and Acura also reported significant gains in the luxury category.
Honda sales were up by 39 percent thanks to strong interest in the redesigned Accord and incentives on the 2012 Civic, which was replaced by a new version last month.
Meanwhile, Chevrolet floundered. Sales were flat over last year, and brands such as the Silverado pickup suffered, dropping by 10 percent.
General Motors has lagged behind its competitors all year, and November was no different. The company's uptick was the lowest, at just 3 percent. Part of the reason may be that GM's incentives were a third lower than those being offered by the likes of Hyundai, Kia and Nissan.
[Sources: San Francisco Chronicle, PR Newswire]
Tips to put more dollars in your wallet, not in your car.
Cars are cool, and here at MSN Autos we love everything about them, but we also know they're more than simply speed and style: a car is an essential tool, a much-needed accessory to help you get through your day-to-day life. What you drive is also one of the most important investments you can make, so we'll help you navigate your way through the car buying and ownership experiences. We strive to be your daily destination for news, notes, tips and tricks from across the automotive world. So whether it's through original content from our world-class journalists or the latest buzz from the far corners of the Web, Exhaust Notes helps you make sense of your automotive world.
Have a story idea? Tip us off at firstname.lastname@example.com.


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Of all the things I've seen beauty-wise for Christmas so far, the Too Faced Joy To The Girls palette is far and away my top recommendation. The shades are beautiful, and the quality – it's incredible. It out-performs almost every premium brand in blendability and pay-off.
The colours are perfectly edited to give a wide range of looks, and with instructions on the inside to guide you along, you can free-style or copy.
The shadows are so smooth on application, they were a joy to swatch!
So, above, we have: Cookie Dough, Cheers!, Prancer, Sugar Plum, Mulberry and Snow Angel.
Then, Powdered Sugar, Too-Too, Yule Log, Chestnut, Twinkle, Joy, Spike The Punch, Chimney and Coal.
The set comes with a full size Lashgasm Mascara. It's worth every penny of the £38 HERE.


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Starting August 9, 2013, GSUSA will be updating their online membership and program registration system (currently called, "E-biz"). In addition to parents using this system to renew membership or to sign up for programs for themselves and their daughter(s), the "Troop Management" part of this system has been used by Troop Leaders to purchase memberships/programs and manage communications with their members.
As part of this upgrade of the online registration system to a new family-based registration system, the site will be down from 5:00 PM EDT on Friday, August 9, 2013 until 8:00 AM EDT on Tuesday, August 13, 2013. Once the system comes back online on August 13th, the registration information for all individual and troop accounts will be retained. However, the user name and password that you have used in the past to access your account will be deactivated.
Therefore, beginning on August 13, 2013, all adults will be required to reactivate their account (one time only!) with the registration system in order to use Troop Management, renew membership, or register for council programs.
The reactivation process is very easy. You will be asked a few questions (such as name, email address, and date of birth) so that the system can identify you and allow you to access your registration account. If you choose, you can register on the new system using the same user name and password that you used in the past. We hope that you will be very happy with the new family registration system which will allow you to manage the membership and program registration for all of your family members, as well as the troops which you lead.
If you need further assistance, please contact GSSEM's Help Desk at firstname.lastname@example.com.
Thank you!


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Click the links below to download the complete agenda for each location.
Chicago LDI Conference Agenda
New York LDI Conference Agenda
Agenda Sessions
LDI 2.0 Allstate's Path to LDI Implementation and Evolution
Allstate implemented an LDI strategy for its pension plans in 2009 with the intent to review the strategy at least triennially. In the second quarter of 2012, Allstate began work. This session will cover Allstate's initial transition to LDI, lessons learned following the initial adoption, and how those lessons are influencing the second iteration of LDI for Allstate. The session will also cover some of the internal challenges associated with transitioning from a traditional asset only framework to an LDI framework.
Mike Downing
Vice President and Chair, Pension Investment Committee
Allstate Corporation
CASE STUDY: PQ Corporation
PQ Corporation's Kevin Doran and Vanguard's Paul Bosse describe the conditions that led to the corporation's implementing an LDI strategy for its pension plan and adopting a dynamic asset allocation policy based on funded status. They will report on progress to date, along with how the plan's portfolio helped hedge an actuarial loss when interest rates began their downward spiral last year.
Speaker: Kevin Doran | Vice President, HR and Communications| PQ Corporation
Paul Bosse | Principal | Vanguard
CASE STUDY: Rolls-Royce
Rolls-Royce's Mike Elliott will discuss the history behind his company's adoption of its LDI strategy for its pension plan. He will outline the rationale for the key strategic decisions made and share how the LDI performance is being measured and monitored.
Speaker: Mike Elliott | North American Group Treasurer | Rolls-Royce
CASE STUDY: CBS Corporation
CBS has been a pioneer among plan sponsors in using customized "cash flow based" liability benchmarks for their DB plan. CBS' Ken Hill will discuss the evolution of their benchmarks, the resulting alignment of interest with their investment managers, and various practical issues with using these types of benchmarks. He will also share his thoughts on various approaches to derisking the plan and reducing the pension surplus volatility.
Speaker: J. Kenneth Hill, CFA | Senior Vice President, Treasurer | CBS Corporation
Gary Knapp, CFA, FRM | Managing Director and Product Manager | Prudential
Glenn O'Brien | Managing Director | Prudential
CASE STUDY: United Technologies
During this case study session, Loomis Sayles' David Waldman and United Technologies' Charles Van Vleet will discuss the dynamics of liability driven investing. More specifically, they will touch upon the roles of fixed income in the context of an overall pension plan and how these roles have evolved over time.
Speaker: Charles C. Van Vleet | Director, Portfolio Investments | United Technologies Corporation
David Waldman | VP, Director of Quantitative Research Risk Analysis | Loomis, Sayles & Company, L.P.
PRESENTATION: Politics, Regulation and Pensions
Governments and pensions have always been closely interlinked, through: regulation, tax policy, direct sponsorship, and governmental impact on investment performance. This will be even more true in the next few years, as governments focus on cleaning up after the financial crisis and wrestling with the Euro Crisis, U.S. fiscal deficits, recessions, near recessions, and crucial upcoming elections. This presentation will focus on how to prepare for what's coming out of Washington, Brussels and other capitals.
Speaker: Douglas Elliott | Fellow, Economic Studies, Initiative on Business and Public Policy |The Brookings Institution
PRESENTATION: Is LDI Really Happening?
Corporate pension sponsors have shown great interest in de-risking and LDI strategies. But are they really implementing them? And do they have the conviction to stick to their plans, especially in light of low interest rates and low funded status? In this session, we will review the LDI strategies that have been developed and discuss how plan sponsors and fiduciaries are managing the implementation challenges of these solutions. We will also review the ultimate end state for LDI, plan settlements, and the emergence of new opportunities in that market.
PANEL DISCUSSION: Derisking versus Rerisking
In this era of low interest rates and volatile stock prices – and continued pressure on funding status - it can be difficult to continue to implement a derisking strategy such as LDI. This raises the question of whether it is ever appropriate to rerisk. This panel discussion will debate the pros andcons of rerisking – when, why and how should a plan rerisk? Or should a plan sponsor stick to the derisking path it has adopted. The panel will also consider the future of LDI as a significant derisking strategy in the defi ned benefit arena.
WORKSHOP: Implementing a Custom LDI Solution
This session will cover the key considerations when implementing a truly custom LDI solution - one where the LDI benchmark is defined as the plan's liabilities. This session will focus on addressing the key questions that arise as a result of moving away from implementing an LDI solution with market benchmarks towards implementing an LDI solution with an explicit liability benchmark. Based on our experience these key questions tend to be:
WORKSHOP: The Various Roles of Fixed Income in Pension Plans
Aligning the objectives of a portfolio with the specific role it is designed to play in an overall investment plan is one of the defining characteristics of liability driven investing. A typical investment plan decomposes assets into two groups: "return seeking" and "liability hedging." The fixed income portion of an allocation is often associated with "liability hedging," but it can in fact assume a variety of roles that cut across these two dimensions. Fixed income assets can serve as a hedge and provide diversification benefits to other portions of the plan, maintain a targeted funding ratio on a pro-rated basis, and help close funding gaps. Each role implies different return and risk tradeoffs, which must be considered in determining the optimal fixed income portfolio structure.
WORKSHOP: LDI: Where Do We Go From Here?
Liability-driven investing is an effective risk reduction tool for pension liabilities, but with low rates and tightening corporate spreads, many questions arise. Are there ways to enhance LDI returns? Are there limits to what LDI can achieve? Is the answer to increase credit risk in the LDI portfolio? This workshop will consider these questions as well as potential global factors like international credit risk and diversification and importantly, the 'end-game' —should you purchase annuities or "roll your own?"
WORKSHOP: Aligning Risk & Return Using LDI
This workshop will review a case study of a corporate defined benefit pension plan, comparing the funded ratio volatility and contribution volatility of the plan's current investment allocation to a comprehensive LDI strategy. The workshop will then investigate the traditional methods of quantifying risk and offer some alternative measures. Finally, the workshop will construct a dynamic milestone plan, aligning the plan's investment strategy and risk tolerance along an efficient de-risking path.
WORKSHOP: Hedging or Diversification: Which One and When?
A key tenet of investing is that portfolio diversification reduces risk. But a pension's liability risk focus alters the usual equation casting doubt on the standard diversification rules. Liability hedging with bonds may offer a better risk solution, but is it iron clad? This session researches the pension perspective on diversification and its efficacy relative to hedging, and finishes with a look at strategies that efficiently remove risk in a low cost way.


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Mala Murthy, assistant professor in PNI and Molecular Biology, was selected as a 2011 Alfred P. Sloan Foundation Fellow. The Sloan Research Fellowships seek to stimulate fundamental research by early-career scientists and scholars of outstanding promise. These two-year fellowships are awarded yearly to 118 researchers in recognition of distinguished performance and a unique potential to make substantial contributions to their field. For more info: http://www.sloan.org/
Archive – March 2011
The Alumni Council's Committee on Academic Programs for Alumni (CAPA) is proud to sponsor the 2011 Hoffman Scholars Presentation, which will honor outstanding graduate students and introduce their work to Princeton's alumni and friend community. The three recipients have all accepted the honor and are looking forward to presenting fifteen-minute talks on their research and taking questions from attendees in an event on April 14. The three students and their dis